1. Open Enrollment for 2018
Benefits and Wellness

2. Overview Medical Plan Changes Dental & Vision Updates
Flexible Spending Accounts
Supplemental Insurance
Wellness – AWC (Jiff) & WTA

3. Medical Plan Changes
Kaiser $10 co-pay plan is ending on December 31, 2017
195 of us are on this plan
195 MUST change plans
Still have Kaiser PPO plan and Regence 250 plan
Adding new 3rd plan option for January 1, 2018: Kaiser 200

4. Definitions
Network: The facilities, providers and suppliers your health insurer has contracted with to provide services.
Co-insurance: Your share of the cost of a covered service, calculated as a percent (for example, 10%) of the allowed amount for this service
Copayments: A dollar amount (for example, $20) you pay for a covered health care service, usually when you receive the service.
Deductible: The amount you owe (for example, $250) for covered health care services before your health insurance begins to pay. The deductible may not apply to all services.
4th Quarter Carryover: Any portion of your annual deductible that is met during the last three months of the calendar year also applies to the deductible for the following year.

5. New Kaiser 200 Plan AWC Video Link $200 Deductible ($400 per family)
Some exceptions
First 4 office visits
Prescriptions
First $500 in labs
4th quarter carryover
Copay & coinsurance
$20 copay
10% coinsurance
Not applied toward deductible
Out of pocket maximum
$2500 per person or $5000 per family
Labs, X-rays and other diagnostics
First $500 covered
Additional services subject to deductible
Hospital Care
10% coinsurance for facility charges and physician services
Emergency Room
$75 copay & 10% coinsurance
Copay waived if admitted
Outpatient rehabilitative therapy
60 visits for massage & physical therapy
Spinal manipulations: 10 visits
Acupuncture: 8 visits
$20 copay
10% co-insurance
Prescriptions
Generics $10
Preferred Brand $20
Non-preferred brand $40

6. WTA EMPLOYEE MEDICAL PLAN CONTRIBUTIONS
3 Medical Plans to Choose from for 2018
Regence 250
Kaiser 200
Kaiser PPO
See plan comparisons for details of coverage
WTA EMPLOYEE MEDICAL PLAN CONTRIBUTIONS
Regence
Kaiser Permanente
Wellness
Non-Wellness
Employee Only $
$135.00
$ 37.50
$ 72.50
Employee + Spouse $
$165.00
$ 67.50
$102.50
Employee + Child
Employee + Children
Employee, Spouse + Child
$150.00
$185.00
$ 87.50
$122.50
Employee, Spouse + Children

7. Regence 250 Kaiser 200 Kaiser PPO
Deductible: $250 ($750 per family)
Out-of-Pocket Maximum: $3,000 per person ($6,000 per family)
Typical patient responsibility: 10% coinsurance
Preventative care: covered 100% for in-network
Emergency room: $75 co-pay then 10% coinsurance
Prescriptions:
Generic: $5
NameBrand Formulary: $25
NameBrand NonFormulary: $50
Specialty Medications: $100
Kaiser 200
Deductible: $200 ($400 per family)
Out-of-Pocket Maximum: $2,500 per person ($5,000 per family)
Typical patient responsibility: $20 co-pay then 10% coinsurance
Preventative care: covered 100% for in-network
Emergency room: $75 co- pay then 10% coinsurance
Prescriptions:
Preferred Generic: $10
Preferred Brand: $20
Non-Preferred: $40
Kaiser PPO
Deductible: $250 ($750 per family)
Out-of-Pocket Maximum: $2,500 per person ($5,000 per family)
Typical patient responsibility: $10 co-pay - primary care/$20 co-pay - specialist
some services -10% coinsurance
Preventative care: covered 100% for in-network
Emergency room: $150 co- pay then 10% coinsurance
Prescriptions:
Preferred Generic: $10
Preferred Brand: $35
Non-Preferred: $70
Please see the plan summaries for full details. This is not inclusive information.

8. Pick your medical plan for 2018
If you are currently enrolled in the Kaiser $10 copay plan
AND
You want to be on the Kaiser 200 Plan
Print and sign your name on the Kaiser 200 list in HR or at the optional evening meetings
If you do not make a selection by November 17th you will be defaulted to the Kaiser 200 plan
You want to be on the Kaiser PPO Plan or the Regence Plan
Fill out a full enrollment form to make the change
If you are currently enrolled in the Kaiser PPO plan or Regence plan
You want to switch to a different plan
You want to stay on that plan
No need to fill out an enrollment form

9. Do you waive medical coverage for your spouse or child(ren)?
Bring in a copy of their insurance card to HR to verify other coverage
Are you adding or dropping your spouse or child(ren) to/from your health benefits?
Fill out a new enrollment form for 2018

10. Other Plan Updates LTD(non-CDL positions): Dental remains unchanged
VSP Vision:
Increase in annual frame allowance from $120 to $150 on first and second pair
LTD(non-CDL positions):
Increase benefit maximum from “to age 65” to “Social Security Normal Retirement Age (SSNRA)”

11. Flexible Spending Account Navia Benefit Solutions
Tax deferred
Total annual election amount deducted in equal increments from each paycheck throughout the year
Health Care FSA
Maximum Amount: $2500
Common Eligible Expenses: Prescription drugs, copays and coinsurance, deductibles, office visits, dental work, orthodontia, chiropractic, massage etc…
Day Care FSA
Maximum Amount: $5000
Common Eligible Expenses: Child care, preschool, before and after school care, day camps etc…
Does not automatically re-enroll. You MUST re-enroll each year to keep this benefit

12. Colonial Supplemental Benefits. -Brian Burkhart, Benefits Counselor
Colonial Supplemental Benefits -Brian Burkhart, Benefits Counselor Contact phone:
Colonial Supplemental Benefits includes a variety of benefit choices to suit your needs.
Disability Insurance - Replaces a portion of your income if you miss work as a result of a covered accident or sickness
Accident Insurance - Helps offset unexpected medical expenses that can result from a covered accident.
Cancer Insurance - Helps offset the out-of-pocket medical and indirect non-medical expenses related to cancer diagnosis and treatment, including benefits for specified cancer screening tests.
Critical Illness Insurance - Pays a lump sum benefit upon diagnosis of a covered critical illness such as heart attack (myocardial infarction), end stage renal failure, coronary artery bypass surgery, stroke or major organ failure, permanent paralysis, coma, blindness, etc Life Insurance - Helps protect your family in the event of an unexpected death
Find out more about all of the benefits available to you during your Whatcom Transportation Authority Benefits Enrollment.

13. How are we going to STAY HEALTHY?

14. Employees and spouses get a $35 reward for completing required steps
Wellness Program
Participation saves you $35 per month on your medical premium contributions.
Required:
Register for Jiff
Complete Health Assessment
Print or completion certificate
Covered spouses must also complete required steps
Employees invite spouses by entering while signed in to Jiff
Employees and spouses get a $35 reward for completing required steps
Deadline: November 17th

15. Wellness Program Optional in Jiff: WTA offers even more!
Tracking food
Tracking steps
Tracking sleep
Coaching – Telephonic or Digital
WTA offers even more!
Don’t forget about your wellness calendars, participating in campaigns and saving those receipts
For those enrolled for 2017
Reimbursement forms will be due January 15th
Up to $180 per covered employee/spouse for July - Dec 2017

16. Get Fit for the Feast Starts TODAY!
Sign up in HR and get tracking packet
Set a goal and track your activities
Complete and earn $120 toward wellness reimbursement

17. Action Items
Choose a medical plan and fill out appropriate paperwork (if changing)
Verify other coverage of waived spouse/dependents
Enroll or re-enroll in Flexible Spending Account
Enroll in Wellness Program through JIFF
Sign up for Fit for the feast
Consider Supplemental Insurance

18. Attend an Optional Informational Meeting
Monday, November Ferndale WECU Community Room 5:30pm - 8:00pm
Karissa from AWC will be there to help answer questions
Wednesday, November MOAB Training Room 5:00pm - 8:00pm
Open House style so spouses are encouraged to attend and kiddos are okay too

19. AWC Healthy Decisions – Take Care of Yourself!
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20. Team WTA – Jingle Bell Run December 9, 2017