1. 1 Annual Enrollment for 2012 Plan Year Northern Kentucky University

2. 2 Talking Points  Are you buying the right amount of coverage for you and your family?  Just because it costs more than other options, does not mean that it’s the best choice for you  There are several changes to the plan options this year - options that might be better for you and your family  New…Northern Kentucky HMO-Total Care Plan  Going away…90/60 and the Coverage First plans

3. 3 2012 Annual Enrollment Questions to Ask Yourself at Open Enrollment How does your family use healthcare services? How much do you spend on your benefits each paycheck? How much do you pay out of your own pocket? Would you rather pay less toward the premium and more when you receive care – or vice versa? Up-Front Costs Paycheck contributions Pay-as-you-go Costs Co-payments Deductible Coinsurance Out of Pocket Maximum Once you know the answers, decide by: Comparing the available plans Using the online tools for guidance Choosing the plan that meets your healthcare needs and budget

4. 4 Preventive Services  Covered Services at 100% on all plans –Routine Immunizations (to age 18) –Routine Pap smear –Annual routine mammogram –Routine lab and X-ray –Preventive endoscopy (colonoscopy) –Routine adult physical –Routine child exams (to age 18)  Please ensure your provider knows you are there for a preventive visit

5. 5 New - Your Northern KY HMO Plan To learn more about HMOs, visit this Website: StaySmartStayHealthy.com Health Maintenance Organization (HMO) plan:  Lower, more predictable costs  Better care coordination using a Primary Care Physician (PCP)  Tighter network with access only to in-network providers in the NKY HMO – Total Care Plan  St. Elizabeth Healthcare System based network  Copayment and deductible driven plan option unique to Humana  PCP selection and referrals are required on this plan

6. 6 Northern KY HMO – Total Care Plan  What is the Total Care Plan? –A new plan offering from Humana – an HMO built around the St. Elizabeth Healthcare and affiliated providers system –Coverage is for in-network providers only, except in an emergency or specialty care* * Out of network specialty care must be pre-approved prior to treatment –You select a Primary Care Physician (PCP) who oversees and coordinates your health care needs –Your PCP will refer you to specialists and other in-network providers* * OBGYN and GYN do not need a referral * Family Planning is covered on this plan by specific providers

7. 7 Northern KY HMO – Total Care Plan  Why would this plan be a good option for me? –Cost effectiveness: lower premiums but still have copayment and deductible structured plan –Comfort: you work directly with your selected in network PCP for your care –St. Elizabeth Healthcare system: you and your family may already be using providers in the network* * Cincinnati Children’s Hospital included in network

8. 8 Northern KY HMO – Total Care Plan  How to select your in-network Primary Care Physician (PCP) –You will use the Humana.com search tool, “Find a Doctor” and “Physician Finder Plus” to search and choose your provider –Remember, your network is NKY HMO -Total Care Plan –Also, you will want to write down the PCP ID #. The PCP that you choose will appear on your new medical id card * Instructions on how to search for a provider will be included with your enrollment materials

9. 9 Northern KY HMO – Total Care Plan  Once I select a PCP, now what? –Your PCP selection will appear on your id card –You can change your PCP as often as you like through Humana Customer Service or MyHumana.com –Each family member can choose their own PCP (ex. internist, pediatrician) –PCP changes will be effective the 1 st of the following month –If one is not selected, then one will be initially chosen based on your zip code…you can then update or change to your preference

10. 10 Copayments (In Network) (Out-of-Network) 2012 Medical Plan Options – NKY HMO In-Network Only Physician100% after $25 copay Specialist100% after $55 copay Urgent Care100% after $75 copay Emergency Room100% after $250 copay Outpatient Non-Surgical80% after deductible Outpatient Surgery80% after deductible Inpatient Hospital80% after deductible Annual Deductibles$2,000 ind/ $4,000 fam Out-of-Pocket (coinsurance & medical copayments) $2,500 ind/ $5,000 fam Rx4 Copays (mail order is 2.5x) $10/$35/$55/25%

11. 11 Your POS Plan  Flexibility to choose your doctors, hospitals, and other healthcare providers  Potential higher “upfront” premium, lower “pay as you go” cost To learn more about POS, visit this Website: StaySmartStayHealthy.com Point of Service (POS) plan:  Comprehensive coverage  Caps on out-of-pocket spending in a plan year  Lower costs when you use in- network providers Benefits of a POS :

12. 12 Copayments (In Network) (Out-of-Network) 2012 Medical Plan Options - NPOS 80/50 In-NetworkOut-of-Network Physician100% after $25 copay50% after deductible Specialist100% after $40 copay50% after deductible Urgent Care100% after $40 copay50% after deductible Emergency Room100% after $200 copay Outpatient Non-Surgical80% after deductible50% after deductible Outpatient Surgery80% after deductible50% after deductible Inpatient Hospital80% after deductible50% after deductible Annual Deductibles$750 ind/ $1,500 fam$2,250 ind/ $4,500 fam Out-of-Pocket (coinsurance only) $3,000 ind/ $6,000 fam$9,000 ind/ $18,000 fam Rx4 Copays (mail order is 2.5x) $10/$35/$55/25%70% after copay

13. 13 Rx4: 4-tiered benefit design  Tier 1: Low-cost generic and some brand- name drugs  Tier 2: Higher-cost generic and brand-name drugs  Tier 3: Higher-cost drugs – usually have generic or brand-name alternatives in Tiers 1 and 2 99 percent of all Humana’s prescription drugs are in Tiers 1–3  Tier 4: Self-administered injectables and high-technology drugs that are often newly approved by FDA – doesn’t include insulin Tier 1 $10 Ex: Naproxen Tier 2 $35 Ex: Omrepizole Tier 3 $55 Ex: Lipitor Tier 4 25% *Max $2500

14. 14  Accuracy and safety  Convenient home delivery by mail  Integrated service  2.5X for HMO and NPOS plans  3X for HDHP plan Ordering New Prescriptions  Get a new prescription from your doctor for a 90 day or 3 month supply  Submit your order and payment  Check your mailbox Mail-order pharmacy advantages StaySmartStayHealthy.com

15. 15 Your High Deductible Health Plan (HDHP)  No copayment for office visits or prescriptions  All covered medical and prescription expenses go toward the same integrated deductible  Plan covers expenses at the coinsurance level after deductible: 100 percent in-network 70 percent out-of-network Components of the HDHP Security and peace of mind by limiting Maximum Out-of-pocket Preventive Services covered at 100 percent Upfront deductible Member may use Health Savings Account to cover the member cost-share To learn more about the HDHP, visit this Website: StaySmartStayHealthy.com

16. 16 Copayments (In Network) (Out-of-Network) 2012 Medical Plan Options - HDHP In-NetworkOut-of-Network Physician100% after deductible70% after deductible Specialist100% after deductible70% after deductible Urgent Care100% after deductible70% after deductible Emergency Room100% after deductible Outpatient Non-Surgical100% after deductible70% after deductible Outpatient Surgery100% after deductible70% after deductible Inpatient Hospital100% after deductible70% after deductible Annual Deductibles$3,000 ind/ $6,000 fam$6,000 ind/ $12,000 fam Out-of-Pocket100% once deductible is met$10,000 ind/ $20,000 fam Rx Benefit (mail order is 3x) 100% after deductible70% after deductible

17. 17 What’s a Health Savings Account (HSA)?  A Health Savings Account (HSA) is a tax-free bank account that helps you: –Budget for health care expenses this year –Build savings for the future  You must be enrolled in a High Deductible Health Plan to contribute to an HSA  You don’t pay federal taxes on money in your HSA if used for qualified expenses  HSA interest and investment earnings are tax-free

18. 18 Financial Features of an HSA Important Features of a (HSA)  Maximum 2012 Contributions $3,100 single/$6,250 family  NKU Contributions – Annual Amount $750 single/$1,500 family  Contribution Strategy 2012- Per pay period  Catch-Up Contributions $1000 for 55 and older  Use funds to pay for medical, prescription, dental, and vision expenses To learn more about the HSA, visit this Website: StaySmartStayHealthy.com Tax Advantages of a Health Savings Account … Easy as 1, 2, 3 Member controls how to save or spend money Contributions are tax-free Withdrawals are tax-free Interest is earned tax-free

19. 19 Humana’s Health Savings Account Three simple ways to access your HSA funds 1. HumanaAccess TM Visa  Debit Card 2. Interactive voice response (IVR) toll-free number 3. Online at MyHumana.com HSA funds are limited to qualified medical expenses. For a full list of qualified expenses, visit www.irs.gov. HumanaAccess Card Spending decisions are now in your hands Convenient, accurate access to healthcare funds that:  Help you stay on top of your healthcare spending decisions  Provide immediate, secure access to healthcare funds

20. 20 Other Helpful Resources HumanaFirst ® Nurse Advice Line: 24-hour toll-free health information line  Automated Information Line: Quick and easy way to get answers to general  Questions – call Humana Customer Care at 1-800-4-HUMANA  Personal Nurse ® : One-on-one guidance for members who we believe may benefit from additional support  Humana Beginnings ® : Helps members learn more about their pregnancy, follow their baby’s development, and practice healthy habits along the way  PlanProfessor SM : A free publication for members  Disease management programs: Help manage chronic or severe conditions

21. 21 Coverage that’s just right for you! Humana’s online tools help you:  Compare plans based on expected use Estimate costs for procedures Estimate healthcare costs  Find possible cost-saving alternatives to medications Rx Calculator  How to access the comparison tools at Humana.com: Go to Humana.com and select the tab “Insurance through Employer” Locate the title “Enrollment Center” and select the link “Enroll Online” Select the “Enroll Now” option Choose how you would like to log in – as a Non-Registered User or a Registered User Follow the prompts through out

22. 22 Benefits Planner Tools: Closest to My Current Plan Closest to My Current Plan visually indicates which plan is most similar to user’s current plan

23. 23 Use the calculator to estimate how you and your covered dependents might use healthcare services in the upcoming year Primary Care Physician Specialist Outpatient Surgeries Hospital Admissions Prescriptions filled Benefits Planner Tools: My Estimated Expenses

24. 24 Benefits Planner Tools: My Estimated Expenses My Estimated Expenses: results for each plan are displayed

25. 25 Points to Remember!  When?Meetings: Dates and Times available on HR website 1 on 1 Sessions: Information available on HR website  Where?Refer to annual enrollment bulletin from HR and HR website  How?http://myNKU.edu, Employee Self-Service Open Enrollmenthttp://myNKU.edu  Need Help?Enrollment Help Center on Campus: October 6 through October 21 in Steely Library room 235 Humana Online Comparison: website opens 9/19/11 Humana Enrollment Hotline: 1-888-393-6765 All employees must enroll for 1/1/2012 coverage by October 21 deadline If you do not enroll, you will NOT have coverage Remember to show your I.D. card to all of your providers beginning 1/1/2012.

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