1. 2016
Annual Enrollment

2. 2016 Annual Enrollment Period:
October 26 – November 10, 2015
Action Required

3. Committed to conserving resources
All Annual Enrollment materials are available online
Materials will not be sent to your home

4. Action required or pay more in 2016
Tobacco User Surcharge
New for 2016:
$300 (Individual) & $600 maximum (Family)
Annual Surcharge (Default)
You Must Take Action to Avoid the Surcharge
Non-tobacco users: Certify that you, your covered spouse or domestic partner and/or children age 19 and over are not tobacco users
Tobacco users: Enroll in a tobacco cessation program by December 31, 2015 !
New for 2016:
Group Universal Life Insurance
Higher premiums will be applied should you use tobacco or fail to attest.
Tobacco user rates will also apply to spouse or domestic partner coverage under Dependent Term Life Insurance

5. Avoid the tobacco use surcharge
Tobacco products:
Cigarettes
Smokeless tobacco
Cigars
Electronic cigarettes
Pipes
Tobacco cessation programs
WebMD Tobacco Cessation Program
Prudential Health Clinic Fresh Start Program
Check with your health care program carrier
Tobacco cessation program of your choice
At no cost to you
May provide discounted or free programs
At your own cost

6. What’s changing for 2016
Tobacco surcharge applied to your medical contributions will increase to $ Also, an additional $300 surcharge that will be applied if any of your covered dependents age 19 and over use tobacco
Tobacco usage, or failure to attest of non-usage will result in higher premiums for Group Universal Life Insurance and Dependent Term Life Insurance
High Deductible Health Program In-Network Out-of-pocket Maximum for family coverage is decreasing from $8,000 to $6,850
Effective February 20, 2016, the Cigna HSA will be administered by HSA bank instead of JPMorgan Chase
Additional losses will be covered for Business Travel Accident and Accidental Death and Dismemberment
Due to the continued rising cost of the health care, your contributions may be higher; however, the aggregate cost share is not changing and will remain at 72%/28% for 2016

7. What’s changing for 2016
Prescription Drug Changes administered by Express Scripts
Unless physician required brand name for a certain medication, participants will be responsible for the difference between brand name and generic price if generic exist
Specialty drugs will be required to be filled through Accredo, Express Scripts’ specialty pharmacy
Aetna and Cigna medical program participants who are age 18 and older may receive vaccines for a variety of conditions at no charge when received at an Express Scripts participating pharmacy
Long Term Disability benefit of 50% of monthly eligible earnings up to a new maximum of $12,500 per month
You can elect Optional Long Term Disability and pay for an increase in your benefits to 65% of your monthly eligible to reach a new monthly benefit maximum of $25,000 per month for grades 7P-18P, and $40,000 per month for grades 1P-6P

8. Consider the High Deductible Health Program with a Health Savings Account
Health Savings Account (HSA)
Triple Federal Tax Advantage:
Contributions are pre-tax
Interest is tax-free
Investment income is tax-free
At your own cost
There is no “use it or lose it” rule
The money in the HSA is yours to keep and
is 100% portable

9. Dependent Care Reimbursement Account Annual Maximum for 2016
Action required: Flexible Spending Accounts Health Care and Dependent Care Reimbursement Accounts !
You must make an election for 2016 if you want to participate elections will not carry over.
Health Care Reimbursement Account (HCRA) and Limited Purpose HCRA Annual Maximum for 2016
$2,550
Dependent Care Reimbursement Account Annual Maximum for 2016
$5,000
(Includes Prudential match of 25% up to $1,000)

10. Smart choices, healthy lives Health and wellness tools and resources

11. HealthQuotient + 2 healthy activities (HQ+2)
Wellness Incentive
Health Risk Assessment
HealthQuotient + 2 healthy activities (HQ+2)
$150 Wellness Incentive
To Get a $150 Wellness Incentive…
Complete the HQ+2…
In 2015
Before November 30, 2015
In 2016
Before November 30, 2016

12. Smart choices, healthy lives
Cigna and Aetna Care Counselors
The Cigna and Aetna medical programs offer access to Care Counselors
For employees facing an upcoming hospitalization, surgery, chronic disease or other health condition
When you engage with and complete at least two goals set by a care counselor, you can receive a $100 incentive.
24-Hour Nurseline
Every medical program has a nurseline
For employees who have immediate
questions or concerns

13. Smart choices, healthy lives
Tools available to assist you on the Prudential Benefits Center and My Pru
Medical Program Contribution Tool – obtain costs for all the medical programs that are available to you
Medical Expense Estimator – estimate and compare costs for 2016 medical programs based on the medical care you and your family may need
Health Savings Account Estimator – helps you calculate the amount you could save for both current and future health care costs through the Health Savings Account.
Flexible Spending Account Estimator – help you determine how much you might want to contribute to a Health Care of Dependent Care Reimbursement Account
Life Insurance Needs Estimator – helps you asses whether you have the right amount of life insurance
Disability Estimator – helps you calculate how much disability coverage you might need

14. Smart choices, healthy lives
Cigna and Aetna cost transparency tools:
Show how significant the cost of a test can be from one provider to another for the same procedure in the same area
Help you compare non-emergency procedures so you can spend your health care dollars effectively
Hand X-ray in Northern NJ: $26 – $568
MRI of the leg in Greater Philadelphia: $400 – $3,700
The tools also provide information about the quality of providers in the networks.

15. Smart choices, healthy lives
Cigna cost transparency tool

16. Smart choices, healthy lives
Aetna cost transparency tool

17. Smart choices, healthy lives
Maternity and new mother support programs
Not just for first time mothers
Visit My Prudential for more information
Aetna and Cigna maternity programs both include incentives up to $150 for participation
Details can be found in the Health Management Programs brochure
Before You Enroll
Enrolling For Your Benefits

18. Smart choices, healthy lives
You can find more details on 2016 changes as well as descriptions of program features in the 2016 Annual Enrollment Guide and the 2016 Benefit Program Summary
Where to find them:
My Prudential – Benefits Enrollment 2016
Annual Enrollment Extranet – (See the 2016 Annual Enrollment Guide for details on how to access the Extranet)

19. Online Annual Enrollment information
Prudential Benefits Center Website
Booklets, other enrollment information and tools
Personalized information
Medical Program Contribution Tool
Accessible within or outside of Prudential
The only place to enroll for benefits
My Prudential
Booklets and other enrollment information
Medical Program Contribution Tool
Accessible within Prudential
Annual Enrollment Extranet
Booklets and other enrollment information
Accessible outside of Prudential
2016 Annual Enrollment Guide
2016 Benefit Program Summary
2016 Tools and Resources
2016 Legal Notices
What you can find online: