1. Saint Louis University Employee Benefits SAINT LOUIS UNIVERSITY 2012 Annual Enrollment

2. Saint Louis University 1 Benefits Overview—Coverages Offered  Medical/Pharmacy  Voluntary Dental  Flexible Spending Accounts  Employee Term Life and Accidental Death & Dismemberment (AD&D)  Voluntary Term Life  Voluntary AD&D  Long Term Disability  Business Travel Accident S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx Please hold all questions until the conclusion of this presentation. We will take time to address questions at the end.

3. Medical/Pharmacy Benefits Annual Enrollment 2012

4. Saint Louis University 3  The Vitality™ Wellness Program  Save $30 per month on premium and earn rewards!  Health screenings are needed to participate in the Vitality program  Medical changes  Primary Plan eliminated  New qualified High Deductible Health Plan (HDHP)  New optional Health Savings Account (HSA) for the HDHP  No dental plan design changes  Express Scripts  Walgreens update  New copays for Plus Plan  New 4 th tier copay for Plus Plan for self injectables  “Preventive” medications under HDHP covered at 100%  John Hancock – Long Term Care  Exiting marketplace for new apps  Will service existing policyholders  Applications up until 12/31/11 Highlights Effective January 1, 2012 S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

5. Saint Louis University 4 2012 Medical Plan Options Plus PlanHSA Plan SLUCareIn-NetworkOut-of-NetworkSLUCareIn-NetworkOut-of-Network DeductibleNon-Embedded: (One member can satisfy entire family deductible) Individual$0$250$750$1,500 $3,000 Family$0$500$1,500$3,000 $6,000 Coinsurance0%10%40%0%10%40% Out-of-Pocket Maximum (includes deductibles)Non-Embedded: (One member can satisfy entire family OOP Max) Individual$0$1,250$4,750$1,500$3,000$6,000 Family$0$2,500$9,500$3,000$6,000$12,000 Physician Office Visits Primary Care$10 copay 10% after ded.40% after ded.0% after ded.10% after ded.40% after ded. Specialist Care$20 copay Preventive Care100% Inpatient Hospital 10% after ded.40% after ded.10% after ded.40% after ded. Emergency Room $100 copay 10% after ded.40% after ded. Urgent Care Center $50 copay 10% after ded.40% after ded. S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

6. Saint Louis University 5 2012 Pharmacy Plan Options Plus PlanHSA Plan Express Scripts Retail (34-day supply) Express Scripts Mail Order (90-day supply) Express Scripts Retail (34-day supply) Express Scripts Mail Order (90-day supply) Tier 1$8$16Medical Deductible and Coinsurance Tier 2$30$60Medical Deductible and Coinsurance Tier 3$50$100Medical Deductible and Coinsurance Tier 420% to $150Medical Deductible and Coinsurance Preventive MedicationsPriced according to the tier in which they fallCovered at 100%, no copay or deductible NEW! Under the proposed HSA plan, certain preventive, or “maintenance,” medications would be covered at 100%... NO copay or deductible would need to be satisfied by you or your family! For a list of these drugs go to www.slu.edu S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

7. Saint Louis University 6 What is an HSA? Health Savings Accounts (HSAs) are designed to help you save and pay for your health care S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

8. Saint Louis University 7 Putting Money INTO an HSA  #1 Important Lesson:  Rules when you can put money IN; no rules to pull money OUT  #2 Important Lesson:  Need $0.00 in your healthcare FSA before opening an HSA S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

9. Saint Louis University 8 HSA Eligibility You are eligible to open and contribute to an HSA if you: Are covered by an eligible high deductible health plan Are not covered by a healthcare FSA Are not claimed as a dependent on someone else’s tax return Have not received VA benefits within the past 3 months Are not enrolled in Medicare, Medicaid, or TRICARE Are not covered by any other health plan that is not a high deductible plan S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

10. Saint Louis University 9 Putting Money INTO an HSA  How Much, and When?  $3,100 for an individual; SLU will contribute $250  $6,250 for a family; SLU will contribute $500  You must aggregate the employer and employee contributions: SLU’s Seed Money ($250 or $500) + Your contribution = $3,100 or $6,250  55+ can fund an additional $1,000/year “catch-up” contribution  Employee and spouse get one bite at the maximum contribution apple each year…they may allocate the maximum between their HSAs S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

11. Saint Louis University 10 Putting Money INTO an HSA Must be considered an “Eligible Individual”  Employee has single coverage under HDHP, but is also covered under spouse’s non-HDHP plan  Employee has single coverage under HDHP, but spouse has a traditional FSA  Employee has family coverage under HDHP, spouse has employee-only non-HDHP coverage  Employee has single coverage under HDHP, spouse has employee + children coverage under non-HDHP S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

12. Saint Louis University 11 HSA Qualified Medical Expenses Any money you take out of your HSA for qualified medical expenses is income-tax free Medical plan deductibles and coinsurance Medical, dental and vision care and services Use HSA dollars to pay for medical expenses for your spouse or dependents S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

13. Saint Louis University 12 Taking Money OUT of an HSA  Issues in Distributions  Reimbursement of expenses for employee, opposite-sex spouse and Tax Code “dependents” are tax free…if the expense was incurred on or after the date the HSA was established  “Medical expenses” include: SAVE YOUR RECEIPTS!!!  Section 213 expenses (OTC Rx with prescriptions)  COBRA premiums  Medicare premiums  Qualified long-term care premiums  Retiree health insurance after age 65, but not Medigap/Supplement plans  Other withdrawals are taxable  Income tax, plus…  Subject to 20% excise tax if withdrawn prior to age 65  Withdrawal by HSA account holder, who is not yet 65, to pay Medicare premiums for spouse, who is at least age 65, are taxable and subject to excise tax S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

14. Saint Louis University 13 How an HSA Helps You Save Steve Steve puts his money into his HSA pre- tax 1 The amount not spent during this year carries over for use in future years. 4 Any money Steve withdraws from his HSA to pay for qualified medical expenses is withdrawn income tax-free. 2 Steve may earn interest on his account, and it is not taxable. 3 S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

15. Saint Louis University 14 How You Can Make the Most of Your Coverage Health Care Consumerism Make informed choices Look for ways to lower health care costs Own your health care decisions Understand your medical coverage Maintain a healthy lifestyle Use your preventive care coverage to catch health issues early S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

16. Saint Louis University 15 Paying for Non-Qualified Expenses S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx Any funds used for purposes other than to pay for qualified medical expenses are: Taxable as income 20% tax penalty The tax penalty does not apply to account holders age 65 and older, those who become disabled or enroll in Medicare.

17. Saint Louis University 16 Making Deposits Payroll Deduction Arrange a regular automatic payroll deduction. Mail a Check Mail a deposit at any time to deposit additional dollars into your account. e-Contribute Arrange a regular electronic transfer from an account at another financial institution. S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

18. Saint Louis University 17 Access Your HSA Funds Use your UnitedHealthcare Health Savings Account Debit MasterCard ® Use HSA checks Pay with personal funds and reimburse yourself from your HSA Sign up for automatic bill pay and online banking S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

19. Saint Louis University 18  Treatment cost estimator  Check statements  Check interest rates  Pay bills to health care providers  Download forms  Update personal information  Arrange for deposits  Manage investment activities  Learn about HDHPs and HSAs  HSA calculators Managing Your HSA with myuhc.com Investments are not FDIC insured, are not guaranteed by OptumHealth Bank and may lose value. S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

20. Saint Louis University 19 2012 Cost Sharing  If you enroll in the HSA Qualified Plan for 2012, SLU will contribute funds to help you build your balance:  $250 for Single Enrollees  $500 for Enrollees with Family Members  Wellness Incentive increased from $20 to $30 for 2012 Plus Plan Monthly Payroll DeductionsWith Wellness IncentiveWithout Wellness Incentive Single$94.34$124.34 Employee and Spouse$313.79$343.79 Employee and Child(ren)$283.90$313.90 Family$448.26$478.26 HSA Qualified Plan Monthly Payroll DeductionsWith Wellness IncentiveWithout Wellness Incentive Single$29.81$59.81 Employee and Spouse$178.28$208.28 Employee and Child(ren)$161.30$191.30 Family$254.68$284.68 S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

21. Saint Louis University 20 2012 Cost Sharing – Biweekly Rates  Wellness Incentive increased from $9.23 to $13.85 per biweekly payperiod for 2012 Plus Plan Biweekly Payroll DeductionsWith Wellness IncentiveWithout Wellness Incentive Single$43.54$57.39 Employee and Spouse$144.83$158.67 Employee and Child(ren)$131.03$144.88 Family$206.89$220.74 HSA Qualified Plan Biweekly Payroll DeductionsWith Wellness IncentiveWithout Wellness Incentive Single$13.76$27.60 Employee and Spouse$82.28$96.13 Employee and Child(ren)$74.45$88.29 Family$117.54$131.39 S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

22. Saint Louis University 21 2012 Cost Sharing Annual Contribution Difference vs. 2011 Plus Plan  If you enroll in the HSA Qualified Plan for 2012, SLU will contribute funds to help you build your balance:  $250 for Single Enrollees  $500 for Enrollees with Family Members Plus Plan Annual Difference in Payroll DeductionsWith Wellness Incentive Single$304.44 Employee and Spouse$181.92 Employee and Child(ren)$164.52 Family$259.80 HSA Qualified Plan Annual Difference in Payroll DeductionsWith Wellness Incentive Single($469.92) Employee and Spouse($1,444.20) Employee and Child(ren)($1,306.68) Family($2,063.16) S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

23. Saint Louis University 22 Dependent Eligibility Audit SLU has a responsibility to:  Administer the plan as stated in the plan document  Administer the plan consistently for all employees  Monitor the costs of the plan SLU will complete a Dependent Eligibility Audit in early 2012  Employees will be asked to provide verification for enrolled dependents  Ineligible dependent will be removed from the plan  Claims paid for ineligible dependents may be recovered and the expenses would become the responsibility of the employee S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

24. Saint Louis University 23 Eligible Dependents Definition of an Eligible Dependent: Legal spouse or dependent child under 26 years of age of the employee or the employee's spouse. The term child includes any of the following:  Natural child  Stepchild  Legally adopted child  Child placed for adoption  Child for whom legal guardianship has been awarded S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

25. Vitality Annual Enrollment 2012

26. Saint Louis University 25 Vitality Check  Where do I go?  SLU provides the opportunity on campus by calling 977-3500 or you can visit your physician in November  What’s in it for me?  To get the $30 monthly reduction in your medical premiums, you must get a Vitality Check and complete the health risk assessment (HRA) in November S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

27. Saint Louis University 26 Other Activities  Review and activate your personal health goals  Update or confirm your email contact information  Complete an online Course to learn about a health topic  Complete a Vitality Check™ biometric screening with a Vitality partner  Schedule a preventive screening  Schedule a Healthy Habit  Donate blood  Complete a Fitness Assessment with a Vitality partner  Track your workouts using a Vitality-approved fitness device  Sign up at a Partner Health Club  Sign up for an Athletic Event  Complete online health tool calculators  Get CPR or first aid certified Please note: This list does not cover the program in its entirety. Please refer to the web site for complete program activities, rules and details. S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

28. Voluntary Dental Benefits Annual Enrollment 2012

29. Saint Louis University 28 Voluntary Dental Benefits  Coverage will continue through Delta Dental  Choose among three dental plan options  Benefits will remain the same for 2012  Contributions increasing 3.2% S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

30. Saint Louis University 29 Voluntary Dental Plan—Delta Dental S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx Flex OptionBasic PlusBasic In-NetworkOut-of-Network In-Network Only Deductible Individual$50 $25 Family$150$50$75 Calendar Year Maximum Per person$1,000 $750 Preventive Care 0% no deductible Basic Restorative Care 10% after deductible30% after deductible Major Restorative Services 40% after deductible60% after deductible 65% after deductible Not covered Orthodontia Lifetime maximum (per person)$1,000 Not covered Orthodontia 50% For adults and children 60% For adults and children 50% For children only Not covered

31. Saint Louis University 30 Dental Payroll Deductions FlexBasic PlusBasic Monthly Single$32.00$20.89$14.91 Two-person$62.64$39.46$28.98 Family$107.24$67.45$51.84 Bi-Weekly Single$14.77$9.64$6.88 Two-person$28.91$18.21$13.38 Family$49.50$31.13$23.93 S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

32. Flexible Spending Accounts Annual Enrollment 2012

33. Saint Louis University 32 Flexible Spending and Dependent Care Accounts  Administration will remain with ConnectYourCare  You must make a new election for the 2012 Plan Year; current elections cannot be carried forward  Can be used at authorized vendors (medical facilities, hospitals, pharmacies, etc.)  Debit card allows direct payment at time of service  Cards are good for three years – don’t throw yours away!  Remember if you are electing the HSA plan option, the IRS requires your current healthcare balance to be $0.00 before opening the HSA S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

34. Saint Louis University 33 Flexible Spending and Dependent Care Accounts  Annual maximum for the health care FSA will remain at $5,000  Annual maximum for the Dependent Care Account Contribution will remain at $5,000 ($2,500 if married and filing separate returns)  For the health care FSA, your total election amount less previous reimbursements is available at the time of transaction  For the Dependent Care FSA, only the cash balance in your account is available at the time of transaction  You cannot roll over unused balances from one year to the next; carefully estimate your expenses for the next plan year S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

35. Saint Louis University 34 Eligible Traditional Medical FSA Expenses  Copays, co-insurance and deductibles for medical, prescription and dental plans  Eye exams, contacts and eyeglasses  Laser eye surgeries  Hearing aids  Over-the-counter medical supplies (but not medications)  Bandages, splints, contact lens solution, etc.  Insulin  Some expenses not covered by your health care plan S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

36. Saint Louis University 35 Advantages of FSAs—Tax Savings Example S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx Without FSA Pretax SavingsWith FSA Pretax Savings Annual Base Pay $25,000 Health Care Account Expenses -$0-$1,000 Dependent Care Account Expenses -$0-$2,000 Annual Taxable Income $25,000$22,000 Estimated Federal Income Taxes -$3,750-$3,300 After-tax Cost of Expenses -$3,000-$0 Annual Net Pay $18,250$18,700 Tax Savings $450 Assumes individual filer w/federal income tax rate of 15%; example does not include state, city, or other taxes

37. Annual Enrollment 2012 S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

38. Saint Louis University 37 Elections Are Binding For The Plan Year Unless There Is A Life Status Change  Marriage  Birth/adoption  Divorce  Death  Change in employment status  Change in dependent status Life status change allows you to make benefit election changes and adjust your FSA elections Benefits department must be notified within 31 days of life change S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

39. Saint Louis University 38 Final Words  Enrollment season is November 1 st through 30 th  All employees must enroll or make changes through Banner Self-Service  Update beneficiary information if necessary  All materials to benefits office no later than Wednesday, November 30, 2011 S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx

40. Saint Louis University 39 Contact Information  Please email questions or comments to: benefits@slu.edu or wellness@slu.edu  Your feedback is important!!! S:\EB\Clients\STLUN08\EE Comm\2012\2012 Enrollment Presentation.pptx