1. 2015 BENEFITS ANNUAL ENROLLMENT Wednesday, October 8 to Friday, October 17

2. Mandatory Enrollment Must enroll in the following to have coverage in 2015: Dental Flexible spending accounts Medical Health savings accounts Vision

3. Optional Enrollment You do not need to enroll in the following unless you wish to make a change: Dependent life Optional life Short Term Disability

4. No changes No change to design or pricing: Dental Dependent life insurance Flexible spending accounts Optional life insurance Short term disability Vision

5. Medical Plans for 2015 Changes: POSHMOHDHP DesignYesNoYes Rx Covered drugsYes No PA, QL, STYes PricingYes No

6. POS Design Changes Annual Expenses20142015 Deductible Individual Family $ 750 $1,500 $1,000 $2,000 Coinsurance20%No change Coinsurance Maximum Individual Family $3,000 $6,000 No change Out of Pocket Maximum Individual Family $3,750 $7,500 $4,000 $8,000

7. HDHP Design Changes Annual Expenses20142015 Deductible Individual Family $2,500 $5,000 No change CoinsuranceNot applicable10% Coinsurance Maximum Individual Family Not applicable$1,500 $3,000 Out of Pocket Maximum Individual Family $2,500 $5,000 $4,000 $8,000

8. Health Savings Account Maximums 20142015 NKU$ 625No change EE <55$2,675$2,725 EE 55+$3,675$3,725 NKU$1,250No change EE+1<55$5,300$5,400 EE+1 55+$6,300$6,400

9. Pricing Changes NKU beginning move to provide same subsidy for all options. POS is ‘richest’ coverage and will be highest cost HMO network results in more modest price increase HDHP plan design changes allow for no cost increase

10. Questions?