1. 2017 Open Enrollment Full-Time Employees

2. 3 Things you Need to Know November 15, 2016 thru November 30, 2016
Full Time Employees Enroll Thru ADP
(All Full Time Employees Need to Elect or Waive)
Three New Medical Plans

3. Medical Plans and Deductibles Available

4. How Much Does the Employer Contribute for each Plan
High Deductible
Low Deductible
Employer Pays 96% of Total Premium
Normal Deductible
Employer Pays 75% of Total Premium
Employer Pays 82% of Total Premium

5. Semi Monthly Cost -- Utah
Low Deductible $500/$1000 Plan
Normal Deductible $1500/$3000 Plan
High Deductible Health Plan (HDHP)
$2600/$5200 Deductible Plan
Plus Employer Match to H S A
Employer Match For Health Savings Account
Single $25/Per Pay Period
Two Party/Family $50/Per Pay Period

6. Semi Monthly Cost –Out of Utah
Low Deductible $500/$1000 Plan
Normal Deductible $1500/$3000 Plan
High Deductible Health Plan (HDHP)
$2600/$5200 Deductible Plan
Plus Employer Match to H S A
Employer Match For Health Savings Account
Single $25/Per Pay Period
Two Party/Family $50/Per Pay Period

7. HSA at a glance WHAT is an HSA WHO is eligible HOW it works WHY HSA
◦ A personal tax advantaged savings account
◦ Helps individuals manage current and future health care costs
Individuals who:
◦ Are at least 18 years of age
◦ Enrolled in a High Deductible Plan (HDHP)
◦ Cannot be claimed as a dependent on someone else’s tax return
◦ Cannot be enrolled in Medicare
◦ Have no other health coverage, except what is permitted by IRS
◦ Employee, employer or both contribute to health savings accounts
◦ Individual uses the funds to pay for qualified medical costs
◦ Funds roll over from year to year (no use it or lose it)
◦ Pre-tax contributions
◦ Savings grow tax-free
◦ Withdrawals for qualified health care expenses are tax-free

8. Health Savings Account
YOUR CHOICE IN A HEALTH PLAN WILL DETERMINE
YOUR OTHER COVERAGE OPTIONS
$2600 High Deductible Health Plan (HDHP)
$500 Deductible Plan
$1500 Deductible Plan
Regular
Flex Spending Account
Can be used for
Office Copays
and
Medical Expenses
Health Savings Account
(HSA)
A personal savings account that can be used for medical expenses and copays also includes an employer match
Limited
Flex Spending Account
Can only be used for Dental Copays
and
Vision Copays

9. No Copays Deductibles First
$500/$1000 Deductible Plan
$1500/$3000 Deductible Plan
HDHP
$2600/$5200 Deductible Plan
Copays
Office Visit – $30
After Deductible – 20%
Emergency Outpatient – $250
Outpatient Therapy – $30
*Preventative is covered 100%
Copays
Office Visit – $30
After Deductible – 20%
Emergency Outpatient – $250
Outpatient Therapy – $30
*Preventative is covered 100%
No Copays Deductibles First
Office Visit – You pay 100%
After Deductible – 20%
Emergency Outpatient – 20%
Outpatient Therapy – 20%
*Preventative is covered 100%
In Network
Out-of-Pocket Limit
Individual – $4,500
Family – $9,000
In Network
Out-of-Pocket Limit
Individual – $6,000
Family – $12,000
In Network
Out-of-Pocket Limit
Individual – $5,200
Family – $10,400

10. Coverage

11. Prescription Tier Level Retail Up to a 31-day Supply *Mail Order
$500 Deductible Plan
$1500 Deductible Plan
Prescription
Tier Level
Retail
Up to a 31-day Supply
*Mail Order
Up to a 90-Day Supply
Network
Non-Network
Tier 1
$15
$37.50
Tier 2
$35
$87.50
Tier 3
$65
$162.50
Tier 4
$100
$250
HDHP
$2600 Deductible Plan
With the HDHP you will pay 100% of the cost of your prescription drugs until you hit your deductible and then you will pay the copays listed above.
*Only certain Prescription Drug Products are available through mail order

12. Additional Information
VIDEO
Benefit Guides
Corporate Office Benefit Fair
Benefit Team to Assist All Full Time Employees
Webex

13. Other Benefits Vision Dental AllState Life Insurance Home and Auto
Guarantee Issue at Open Enrollment this year!!
Home and Auto
401K
CaptionCall Perks

14. 3 Things To Remember November 15, 2016 thru November 30, 2016
Full Time Employees Enroll Thru ADP
(All Full Time Employees Need to Elect or Waive)
Three New Medical Plans