1. Oncor Retiree Benefits
2017 ANNUAL ENROLLMENT
September 5, 2016

2. Annual Enrollment begins on 10/10/2016 and ends on 10/21/20169 10 11 12 13 14 15 16 17 18 19 20 21 22
Annual enrollment materials will have the Oncor Live Well logo. You will continue to make changes through ePeople at or log onto If you do not want to make a change, you do not need to take any action.
Access important benefit information and videos on the Oncor retiree website at

3. What About the Costs?
Your monthly contribution amounts will be on your personalized worksheet that will be included in your 2017 annual enrollment materials.
You will notice a change in your medical contributions from 2016 to 2017 depending on your rate band and medical plan option.
Dental Plan A rates are increasing slightly ($ $2.00) for There is no change to the vision and life insurance premiums.
If you are paying Chard-Snyder with a bank draft, you must contact them to update your 2017 contribution amount. Failure to update this amount may cause your account to be in arrears, and may lead to termination of your benefits.

4. Smart Phone App
Oncor’s “On the Go” smart phone app so that you have access to your benefit information on our cell phone!

5. Smart Phone App
Benefit contact information is just a click away!

6. Smart Phone App
To download the app onto your phone, follow the instruction below for the phone you have:
iPhone or iPad – enter to your internet browser toolbar. Tap on the arrow at the bottom of the page then tap on “Add to Home Screen”
Android - enter to your internet browser toolbar. Tap menu the bookmark button. Choose add the site to your book marks. Access your bookmarks, tap and hold the bookmark you created. Select the “Add shortcut to Home” option
Blackberry – enter to your internet browser toolbar. At the top of your screen, click the icon of the globe with an arrow pointing down. Select “Add to Home Screen”. Tap “Add” button

7. Pre-65 Retiree Medical Plan

8. Incentive Structure for Non-Medicare HRA and HSA Plans
Oncor’s focus is on wellness and preventive screenings. In 2017, Oncor’s Healthy Incentive as a way for you to earn additional incentive dollars if you meet certain healthy targets or complete a health coaching program.
Cover-Tek is Oncor’s new provider for biometric screenings. You may have your biometrics done at your doctor’s office. Have your doctor complete the form and fax it to Cover-tek. To download the form go to or you can contact Evive and request one.
Your health risk factors will be measured by Cover-tek from your biometric results. You can receive a $325 incentive if you have 2 or fewer health risk factors. If you have 3 or more health risk factors, you can complete a health coaching program to receive the incentive.
Metabolic Syndrome Criteria
Elevated Blood Pressure
High Blood Sugar Level (Glucose)
Elevated Waist Circumference
Low HDL (good) Cholesterol
High Triglycerides

9. Incentive Structure for Non-Medicare HRA and HSA Plans
Earn an additional $100 incentive by enrolling with Compass and Evive.
Age and Gender Screening incentive is available to covered spouses
Age and Gender Screening incentive for a retiree will be $500 and for a spouse will be $325

10. Health Tools Incentives
Compass helps participants be more informed about their health care decisions. A Compass Health Pro offers a variety of valuable services to help participants navigate through their health care decisions:
Assistance in choosing a doctor
Provider quality and cost information
Benefit questions
Assistance with complex claim and billing questions
To register, go to the Compass website at and follow the steps. If you have already registered with Compass in the past, you do not need to register again to get the incentive.
Evive Health manages the medical option incentives for the retiree HRA and HSA
medical plan options. To register with Evive, log onto
If you register in the Get Connected with Compass and Evive, you will earn a $100 incentive.

11. 2017 Pre-65 Incentive Design Pre-65 - Incentive Chart Incentives 2016
HRA
2017
HSA
Biometric Screening
(Physician Form Only)
$50 RET
Annual Physical
$300 RET $300 SP $450 RET/CH
$300 RET $300 SP $450 EE/CH
$650 RET $650 SP $1,500 RET/CH
$650 RET
$650 SP $1,500 EE/CH
Age and Gender Screenings
$500 RET
$325 SP
Healthy Tools Incentive
(Compass and Evive)
$100 RET
Healthy Incentive
$325 RET
Total Incentives RET ONLY
$1,275
$1,625
Total Incentives RET&SP
$1,900
$2,600
Total Incentives RET&CH
$1,425
$2,425
$2,475
Total Incentives FAMILY

12. What You Need To Do
You should get your biometric screening at your doctor’s office
You and your spouse should have an annual physical
You and your spouse have your age and gender screenings
If you need to complete a targeted health coaching program (for the retiree only), you will need to enroll in one of the two programs offered. Completion of the program must be reported to Evive by July 31, 2017.

13. What are Health Risk Factors?
There are two types of health risk factors:
Those beyond a person’s control such as age, gender, and heredity;
Those that are affected by behavior and lifestyle
Medical experts have identified five risk factors that can be affected by behavior and lifestyle which may be key in developing certain conditions, such as heart disease, stroke, and diabetes.

14. Health Risk Factor Chart
What It Means*
The Healthy Target
Low HDL Cholesterol
HDL cholesterol helps remove cholesterol from the arteries, so a high level of HDL is good. A low HDL cholesterol level raises your risk of heart disease.
For men: Greater than or equal to 40 mg/dL
For women: Greater than or equal to 50 mg/dL
High Triglycerides
Triglycerides are a type of fat found in the blood, and high triglycerides increase the risk of developing heart disease.
Less than 150 mg/dL
High Blood Glucose
Also known as blood sugar, glucose is what the body uses for energy. High glucose may be a sign of diabetes and can affect kidney functions.
Less than 100 mg/dL
High Blood Pressure
Blood pressure is the force of blood pushing against the walls of your arteries as your heart pumps blood. Your heart can be damaged and develop plaque buildup if your blood pressure rises and stays high over time.
Systolic less than 130 mmHg Diastolic less than 85;
Waist Circumference
Abdominal obesity (excess fat in the stomach area) is a greater risk factor for heart disease than excess fat in other areas of the body, such as on the hips.
For men: Less than 40 inches
For women: Less than 35 inches
*Source: National Heart, Lung, and Blood Institute

15. Health Coaching Programs
In 2017, Oncor will again offer two health coaching programs. If you have 3 or more risk factors you can enroll in one of the following programs to earn your $325 incentive.
Naturally Slim Program is a 10 week online program that focuses on nutrition, exercise, and lifestyle choices to help people lose weight and reduce the risks associated with Metabolic Syndrome
Ultimate Health Matters is a 12 week personalized program with telephonic sessions with a coach whose focus is to teach people how to adopt a healthier lifestyle to reduce risks associated with Metabolic Syndrome

16. Incentive Compliance Period
Incentives are validated through claims and may have up to a 3 month lag period from time of service to funding. The earlier you complete an activity, the sooner your HRA or HSA will be funded.
In the newsletter that will be mailed to you shortly, there is a compliance period schedule which lists the timing of 2016 and incentive activities and an estimated time when you can expect to receive funding for the completed activity.

17. Scott & White Health Plan Option
The Scott & White option is not available to new participants. If you currently participate in this option, you may want to consider the advantage to changing to the HRA or HSA option. Points to consider are:
Scott & White providers are in the BCBS of TX network
Coverage will be available for both in and out of network providers
You will have an opportunity to earn incentives to fund your HRA or HSA account
No change to your prescription drug plan

18. What To Do When You Turn 65
Medicare eligibility begins the first of the month in which your 65th birthday occurs. If your birthday happens to fall on the 1st day of the month, then your Medicare eligibility will be the first day of the month preceding your birthday month.
About 3 months before your Medicare eligibility begins you should receive a notice from Medicare and an age-in letter from ePeople regarding your change in medical plans. You should elect Medicare Parts A and B. Do not elect Part D if you plan to enroll in an Oncor Indemnity plan with prescription drug coverage.
Call ePeople to give them the Health Insurance Claim Number (HICN) as it appears on the card to avoid an unnecessary delay in your prescription drug coverage.
If you or your covered dependent(s) are not Medicare eligible, there will no change in the pre-65 retiree medical plan. You and your covered dependent(s) will be in a split plan.

19. Post-65 Retiree Medical Plan

20. Medicare Eligible Retirees - OneExchange Option
As you know, Oncor has partnered with OneExchange (Extend Health) in order to offer you an extensive menu of plan options from which to choose.
One Exchange is the nation’s largest private Medicare exchange serving over 650,000 retirees with their health care needs. Their licensed agents can help you find medical, pharmacy, dental, and vision plans that fit your healthcare needs. Often times, the cost of these plans is less than what you would pay to participate in one of our traditional plans.
When you enroll in a plan through OneExchange, Oncor will set up an HRA account and fund that account with the same amount it would have spent on your coverage in a traditional plan. Any unused balance is carried over year after year as long as you are enrolled in a plan through OneExchange.

21. Medicare Eligible Retirees- OneExchange Option
OneExchange partners with 85 different insurance companies throughout the U.S. Some of these insurance companies are AARP, BCBS, Aetna, Humana, Express Scripts, and Cigna just to name a few.
OneExchange Benefit Advisors are:
L icensed by the State Department of Insurance
Accredited by the State Department of Insurance in Texas
Certified & appointed by every carrier they represent
100% domestic workforce
All Medicare Plan types are offered:
Medicare Advantage
Medicare Supplement (Medigap)
Medicare Part D prescription plans
Dental & Vision

22. Medicare Eligible Retirees- OneExchange Option
Following are brief descriptions of the various Medicare plan types.
Medigap (Medicare Supplement) fills the gap in original Medicare Parts A & B coverage to help pay the difference between your costs and the amount Medicare pays. They also may provide additional coverage for your medical care expenses
Part D Plans provide prescription drug coverage
Medicare Advantage plan provides an all-in-one plan that bundles Medicare Parts A, B, & D and are typically network based plans

23. Medicare Eligible Retirees - OneExchange Option
Many affordable choices exist. To find out more about what is offered in your area, contact OneExchange to set up an appointment with one of their benefit advisors. There is no obligation to enroll and no cost to just checking it out.
To find out more, call OneExchange at to make an appointment with a licensed benefit advisor to discuss your health care needs and a plan that may fit those needs.
You have the flexibility to change plans each year if your circumstances change.

24. OneExchange HRA Funding Amounts
The amount Oncor will contribution to your OneExchange is the same amount it would have otherwise contributed to a traditional plan election according to your point determined rate band.
You may use this money to reimburse yourself for eligible medical expenses which include premiums and certain out-of-pocket expenses such as copays and coinsurance.
Description
Rate Band
Retiree Only
Retiree & Spouse
Spouse Only
OneExchange
Grandfathered
$4,455.82
$8,911.24 B
$3,614.72
$7,374 C
$2,586.08
$5,172,16 D
$1,803.28
$2,444 E $0
If your service is split between regulated and non-regulated, the amount of HRA funding will be calculated on an individual basis according to your regulated allocation factor.

25. Your Retiree Company Discount Programs
As an Oncor retiree, you are eligible for certain discounts and company perk programs.
Retirees are eligible for the Blue Cross Blue Shield gym membership discount program. Log onto to and select Fitness Program from the Quick Links menu on the left for assistance in locating a participating fitness centers near you.
There are also company discount programs offered to Oncor retirees:
Ford Motor Company new vehicle purchase, go to enter Oncor’s Fleet ID number (FIN) UH060
Texas Ranger Tickets, use password ONCOR15
Six Flags, go to , username ONCOROT, password, SixFlags9
Dallas Mavericks tickets (for Oct. Nov. & Dec games) Discounts will apply for play-off tickets
Dallas Stars tickets,
For more information about the company discount programs, go to and select the HR Toolkit link.

26. Your Online Benefit Resources
HR Toolkit
Click on HR Toolkit
Enter user name: EXTARINSO\EXT_ONC_RET
Enter password: ONC;3456
On the Go App for your phone
Circle of Resources on your phone 24/7

27. Any Questions?
Options and plans provided in this communication, as well as other communications materials, are intended only to be summaries of certain provisions of the plans. The plans are governed by formal plan documents and, in the event of a discrepancy, the formal plan documents will prevail. Oncor reserves the right to amend and/or terminate all of its employee benefit plans, in whole or in part, from time to time.