1. Southeast Missouri State University Benefits Orientation

2. 2 Your 2010 Benefits Your benefits are effective on your date of hire  Medical Insurance Anthem Blue Cross & Blue Shield  Vision Insurance Vision Service Plan  Dental Insurance Delta Dental of Missouri  Flexible Spending Accounts  Health Savings Account

3. 3 Your 2010 Benefits (continued)  Life Insurance Anthem Life  Retirement MOSERS (Faculty & Staff) CURP (Faculty only)  Educational Benefits  Employee Assistance Program **You will complete enrollment forms during orientation. You are allowed 31 days from date of hire to finalize benefit elections.**

4. 4 Medical Insurance Basics  Blue Access PPO Network Nationwide access Worldwide access  Unlimited lifetime maximum  Website: http://www.anthem.comhttp://www.anthem.com  Pre-existing conditions: 12 months exclusion, can be waived by providing a HIPAA certification (a statement certifying proof of prior coverage)

5. 5 Medical Insurance Basics  Dependent Coverage Up to age 25 regardless of student status If not enrolled at employee’s date of hire – dependents can enroll during annual open enrollment Dependents can enroll within 31 days of an IRS Qualifying Change in Family Status (e.g., marriage, divorce, birth of child, change in spouse’s coverage status, etc.) Pre-existing conditions for 12 months unless a HIPAA certification is provided.

6. 6 Medical Insurance Basics  Coordination of Benefits Anthem Blue Cross and Blue Shield will coordinate benefits with other group health coverage that you or your covered family members may have. To ensure that Anthem has up-to-date information they may periodically ask members about other health insurance coverage. If any information regarding your or your families health insurance changes, please fill out a coordination of benefit form and send to Anthem.

7. 7 Medical Insurance Basics  Problems with Claims? Contact Anthem Call physician’s office View your claims online at: http://www.anthem.comhttp://www.anthem.com Contact the Human Resources Office for further assistance.

8. 8 Medical Insurance Basics HIPAA (Health Insurance Portability and Accountability Act) HIPAA improves the portability, security and privacy of protected health information. When obtaining assistance regarding claims issues through the Human Resources Office, employees must sign an authorization for release of information form.

9. 9 Medical Insurance Basics Prescription Drugs Coverage  Visiting Network Retail Pharmacies 30-day supply No RX Copays Pharmacist processes Rx through Anthem computer system 20% Cost share after deductible

10. 10 Medical Insurance Basics Prescription Drugs Coverage  Anthem Mail Services 90-day supply No RX Copays Pharmacist processes Rx through Anthem computer system 10% Cost share after deductible

11. 11 Medical Insurance Basics Prescription Drugs Coverage  Prior Authorization Goal: To assist employees with cost control of medications The process of obtaining approval of benefits before certain prescriptions may be filled. Must be obtained by your physician in order to receive benefits To find out which drugs require prior authorization visit: www.anthem.comwww.anthem.com

12. 12 Medical Insurance Basics Medical Insurance Opt Out Provisions Employees can decline individual health coverage. If opting out:  Employee’s premium dollars are not available  Cannot return to Anthem Blue Cross and Blue Shield until next annual open enrollment or IRS Qualifying Event  Must sign disclaimer form verifying intention to decline coverage

13. 13 Medical Insurance Basics Health Incentive Accounts (HIA) Allows members to earn health care dollars through various plan incentives Features within Medical Plans A and B  Medical Plan A – reduces plan deductible  Medical Plan B – payable to employee as gift cards Unused health incentives carry over

14. 14 Medical Insurance Basics  Types of Incentives Health Assessment - $50 Personal Health Coach - $100  $200 incentive when achieving goals through program Smoking Cessation Program - $50 Weight Management Program - $50  All incentive programs available through the Anthem website: www.anthem.comwww.anthem.com

15. 15 Medical Plan A  Anthem Blue Cross and Blue Shield  Cafeteria Plan Funding for Plan A

16. 16 2010 Medical Insurance Medical Plan A  $500 Individual Deductible  $1,000 Family Deductible  20%/80% after deductible met  Full Preventive Care coverage (well woman, PSA, mammogram, annual physical, immunizations, etc.)

17. 17 2010 Medical Insurance Medical Plan A  Office Visit Copays: No Office Visit Copays (employee pays 100% of cost up to the deductible; then cost share applies)  Out of Pocket Maximum: Individual: $3,500/year Family: $7,000/year All deductibles and coinsurance apply toward the out of pocket maximum including prescription drugs.

18. 18 Cafeteria Plan A Plan Summary

19. 19 Medical Plan A Cafeteria Plan Contributions  Employer Cafeteria Plan Funding: $750/year  You must be an employee with the University on December 31 to be eligible to receive the Cafeteria Plan Funding. If you are hired mid year, this benefit will not be available until the next open enrollment period.

20. 20 Medical Plan A Cafeteria Plan Funding Employer Cafeteria Plan Funding = $750/year Dependent Medical Dependent Care Assistance (DCAP) Employee & Dependent Dental Medical Reimbursement Account (MRA) Employee & Dependent Vision Cafeteria Plan A Option Part-time employee funding prorated by percent of assignment. The University will use the cafeteria plan dollars first to pay for employee and dependent medical premiums; then vision, dental, MRA and DCAP.

21. 21 Medical Plan B  Anthem Blue Cross and Blue Shield  Cafeteria Plan Funding for Plan B

22. 22 2010 Medical Insurance Medical Plan B  $1,500 Individual Deductible  $3,000 Family Deductible  20%/80% after deductible met  Full Preventive Care coverage (well woman, PSA, mammogram, annual physical, immunizations, etc.)

23. 23 2010 Medical Insurance Medical Plan B  Office Visit Copays: No Office Visit Copays (employee pays 100% of cost up to the deductible; then cost share applies)  Out of Pocket Maximum: Individual: $5,000/year Family: $10,000/year All deductibles and coinsurance apply toward the out of pocket maximum including prescription drugs.

24. 24 Cafeteria Plan B Plan Summary

25. 25 Medical Plan B Cafeteria Plan Contributions  Employer Cafeteria Plan Funding: $1,486.32  You must be an employee with the University on December 31 to be eligible to receive the Cafeteria Plan Funding. If you are hired mid- year, this benefit will not be available until the next open enrollment period.

26. 26 Medical Plan B Cafeteria Plan Contributions Employer Cafeteria Plan Funding = $1,486.32/year Dependent Medical Dependent Care Assistance (DCAP) Employee & Dependent Dental Health Savings Account (HSA) Employee & Dependent Vision Cafeteria Plan B Option Part-time employee funding prorated by percent of assignment. The University will first fund the HSA; then dependent medical premium, vision, dental and/or DCAP.

27. 27 Medical Insurance 2010 Monthly Premiums Medical Insurance – Anthem Blue Cross and Blue Shield Medical Plan A Medical Plan B w/MRA option w/HSA optionCost Employee$512.68*Employee$437.50* Spouse$512.68Spouse$437.44 Children$384.44Children$328.08 Family$897.14Family$765.56 * Full-time employee premium 100% funded * Effective July 1, 2009, new hire part-time employee premium funding is prorated by percentage of assignment.

28. 28 Medical Plan A or B An Analysis - Which is right for you? Medical Plan A - $500 Deductible (w/MRA option) Medical Plan B - $1,500 Deductible (w/HSA option) General Office Visits/Rx 4 Office Visits ($51/visit) = $ 204 4 Labs ($150/lab) = $ 357 4 Rx purchases ($100/Rx) = $ 80 Total Cost = $ 641 Less MRA Funding = $ (750) Net Savings (leftover MRA)= $ (109) General Office Visits/Rx 4 Office Visits ($51/visit) = $ 204 4 Labs ($150/lab) = $ 600 4 Rx purchases ($100/Rx) = $ 400 Total Cost = $ 1,204 Less HSA Funding = $(1,486) Net Savings (HSA carryover) = $ (282) A $50,000 Surgery 4 Office Visits ($100/visit) = $ 400 4 Labs ($150/lab) = $ 200 4 Rx purchases ($100/Rx) = $ 80 Deductible & OOP Maximum = $ 2,820 Total Cost = $ 3,500 Less MRA Funding = $ (750) Net Cost = $ 2,750 A $50,000 Surgery 4 Office Visits ($100/visit) = $ 400 4 Labs ($150/lab) = $ 600 4 Rx purchases ($100/Rx) = $ 400 Deductible & OOP Maximum = $ 3,600 Total Cost = $ 5,000 Less HSA Funding = $(1,486) Net Cost = $ 3,514

29. 29 Vision Insurance Plan Summary

30. 30 Vision Insurance  Vision Service Plan (VSP)  Two Plan Options Exam Plus Plan A – Low Option Enhanced Plan B – High Option  Extra Discounts & Savings Laser Vision Correction Prescription Glasses Contacts

31. 31 Vision Insurance Exam Plus Plan A  In-Network providers: Annual eye exam with a $10 copay 20% discount on lenses and frames 15% discount off the contact lens fitting and evaluation exam. This exam is in addition to your vision exam.

32. 32 Vision Insurance Enhanced Plan B  In-Network providers: Annual eye exam with a $10 copay Lenses covered in full–every 12 months Frames – every other plan year (frames of your choice covered up to $120, plus 20% off any out-of-pocket costs) or Contact Lens care-every 12 months  No copay applies Prescription glasses-$25 copay

33. 33 Vision Insurance 2010 Monthly Premiums Vision Insurance – Vision Service Plan Plan A-Exam PlusPlan B-Signature PlanCost* Employee$2.88Employee$10.80 Spouse$4.06Spouse$17.32 Children$4.12Children$17.68 Family$6.10Family$28.52 *Total premium includes employee only cost.

34. 34 Dental Insurance Plan Summary

35. 35 Dental Insurance  Delta Dental of Missouri  Two Plan Options Plan A – Low Option Plan B – High Option (with orthodontia) Annual Maximum (per person/year): $1,000 Utilize Delta Premier Network providers  Listing of Network providers can be located at: http://www.deltadentalmo.com http://www.deltadentalmo.com

36. 36 Dental Insurance  Preventive Plan A – Low Option  Coverage A only at 100% of UCR Oral exams – twice in any benefit year Fluoride patients under age 14 – once in any benefit year Molar sealants for dependent children under age 16 – once in 5 years Bitewings x-rays: one set in any benefit period

37. 37 Dental Insurance  Plan B – High Option Individual Deductible: $50 Waived for Coverage A Dental Services Includes Coverage A, B, C and D  Coverage A Services (100% of UCR) Oral exams – twice in any benefit year Fluoride patients under age 14 – once in any benefit year Molar sealants for dependent children under age 16 – once in 5 years Bitewing x-rays: one set in any benefit period

38. 38 Dental Insurance  Coverage B Services Fillings, extractions, Full-mouth x-rays at 80% after $50 deductible  Coverage C Services Periodontics, endodontics, surgical extractions, crowns, complex oral surgery, bridges at the following schedule:  1 st year – 10%  2 nd year – 25%  3 rd year and beyond – 50%

39. 39 Dental Insurance  Coverage D Services Orthodontia care for dependent children to age 19 at 50% Maximum: $1,500, available starting in 3 rd year of coverage Orthodontics is not covered for care started prior to the 3 rd year of benefits

40. 40 Dental Insurance 2010 Monthly Premiums Dental Insurance – Delta Dental of Missouri Plan A-Low OptionPlan B-High Option Cost* Cost* Employee$12.30Employee$28.42 Spouse$26.38Spouse$56.12 Children$40.96Children$71.14 Family$54.22Family$102.50 *Total premium includes employee only cost.

41. 41 Flexible Spending Accounts Plan Summary

42. 42 Flexible Spending Accounts  Medical Reimbursement Account (MRA) Tax-deferred payroll reduction: $5,000 annual maximum Applicable expenses: Deductibles, copays, coinsurance, Rx, vision, dental, certain over-the- counter items  Dependent Care Assistance Program (DCAP) Tax-deferred payroll reduction: $5,000 annual maximum Applicable expenses: day care for children and elder care for adults

43. 43 Flexible Spending Accounts  PowerGroup Administrators  Account feature Direct Deposit Option for Dependent Care  Print Form from website: www/myflexonline.comwww/myflexonline.com Debit Card for Medical Reimbursement Account  Submitting Claims Expenses incurred through 12/31 of current year Claims filing deadline: 03/31 of upcoming year Claim forms can be faxed or mailed

44. 44 Flexible Spending Accounts  PowerGroup’s Contact Information Claims filing email address: pgaclaimsfaxes@pgcompanies.com pgaclaimsfaxes@pgcompanies.com Customer Service: (800) 847-0038 Flex Account Hotline: (913) 789-4600 Fax: (913) 491-6379

45. 45 Health Savings Account (HSA) Plan Summary

46. 46 Health Savings Account (HSA) Definition  An interest bearing savings account owned by the employee to pay for current and future medical expenses  Offered with a High Deductible Health Plan – Medical Plan B  Works similar to a flexible spending account, yet unused monies roll over year after year and continue drawing interest  Portable

47. 47 Health Savings Account (HSA) Account Contributions  Both employer and employee pre-tax contributions are permissible  2010 maximum annual contribution (employer and employee contributions combined) $3,050 for employee only coverage $6,150 for family coverage  Catch-up Provision at age 55: $1,000  Employee contributions can be changed mid- year via form completion in Human Resources office

48. 48 Health Savings Account (HSA) Who is NOT Eligible?  Employees covered by Medical Plan A  Employees covered by other medical insurance that is a non-high deductible health plan (at least $1,200)  Employees enrolled in Medicare coverage  Employees claimed as a dependent child on someone else’s tax returns

49. 49 Health Savings Account (HSA) Account Distributions  Tax-free if used for qualified medical expenses  Qualified medical expenses incurred on or after account is established  Withdrawal only for monies in the account at time of distribution  Can apply qualified medical expenses of spouse and children, even if not covered by your medical insurance

50. 50 Health Savings Account (HSA) Account Distributions (continued)  Qualified Medical Expenses: Deductibles, cost shares, and out of pocket costs on medical insurance claims Over-the-counter medical items COBRA continuation of coverage premiums Qualified long term care insurance premiums

51. 51 Health Savings Account (HSA) Account Features  HSA services through Mellon Bank  Upon electing the Medical Plan B coverage and electing an HSA, Welcome Kits will be mailed to home address  Forms must be completed by the employee and returned to Mellon Bank ASAP  Competitive mutual fund investment options available once account reaches $1,500

52. 52 Health Savings Account (HSA) Account Features (continued)  Online management access of personal benefits and HSA details  Monthly account activity statements  MasterCard – a debit card to pay for qualified medical expenses  Checkbook Usage - initial 40 checks supply; free of charge  Setup and monthly fees paid by Southeast

53. 53 Health Savings Account (HSA) How to use your money…  If seeing an Anthem provider Provider files insurance claim with Anthem Provider bills the member for out of pocket responsibility due Member uses HSA account dollars to make payment to provider via debit card or check  Network Retail Pharmacies/Mail Order Services Pharmacist/Precision Rx processes Rx through Anthem computer system Member uses HSA account dollars to cover the cost of prescriptions via debit card or check

54. 54 Health Savings Account (HSA) Account Features (continued) Questions: Customer Service: (888) 224-4902 www.anthem.com, My Account page www.anthem.com

55. 55 Life Insurance Plan Summary

56. 56 Life Insurance  Anthem Life  Basic Life Insurance The University provides up to 2 ½ x base salary coverage up to a maximum of $50,000 at no cost to the employee Term Coverage – ends upon termination of employment

57. 57 Life Insurance  Supplemental Life Insurance  1x, 2x, or 3x base salary coverage Guarantee issue limit is the lesser of 3x your base salary or $100,000, without evidence of insurability, if enrolling as a new employee. Rates <40$0.06 per thousand/per month 40 – 49$0.15 per thousand/per month 50 & over$0.54 per thousand/per month

58. 58 Life Insurance  Dependent Life Insurance  One price covers all dependents, not per person Cost $5,000 policy$1.50 per month $10,000 policy$3.00 per month $15,000 policy$4.50 per month

59. 59 Long Term Disability Plan Summary

60. 60 Long Term Disability  Anthem Life  LTD is for individuals who are certified by a physician as having a disability which does not allow them to continue employment  Works in conjunction with sick leave policy After you have been off work 180 days, you are eligible to apply for LTD LTD payments are based on 60% of salary, offset by Social Security disability

61. 61 Retirement Benefits Plan Summary

62. 62 Retirement Benefits  MOSERS Missouri State Employees Retirement System  Faculty & Staff  CURP College and Universities Retirement Program  Faculty only

63. 63 Retirement Benefits  MOSERS  Southeast contributes: FY10: 12.75% FY11: 13.81%  Five-year vesting requirement  Prior Service Credit Once you are vested, active military service (or training) or prior public sector service in Missouri may be acquired to increase your MOSERS  Interactive web site – www.mosers.orgwww.mosers.org View personal benefit information Access forms and publications Find “free” educational seminar

64. 64 Retirement Benefits  CURP  Southeast contributes FY10: 7.71% FY11: 7.77%  TIAA-CREF will automatically... Designate your estate as beneficiary of your contract Invest contributions to TIAA-CREF Lifecycle Funds (asset allocation)  www.tiaa-cref.org/curp www.tiaa-cref.org/curp  Telephone Counseling Center: (800) 842-2776

65. 65 Other Retirement Options  Tax Sheltered Annuity Investment (403(b) Tax Deferred Annuities/457 Deferred Compensation) Payroll reductions available  Three Easy Steps: Contact an authorized Broker/Fund Company Complete Salary Reduction Agreement Form Submit Salary Reduction Agreement Form to the Benefits Office for processing

66. 66 Educational Benefits Plan Summary

67. 67 Educational Benefits  Employee Tuition Fee Waiver Program Credit-bearing courses only Must earn “C” or better grade Funding of undergraduate incidental fees: 90% Funding of graduate incidental fees: 70% Must apply every semester Application form can be downloaded and printed from the Human Resources forms website (due no later than the first day of classes for the semester)

68. 68 Educational Benefits  Dependent Tuition Reimbursement Program Spouse and eligible dependent children Undergraduate Courses only Must earn “C” or better grade Reimbursement at end of each semester: 50% Must apply at beginning of academic year (August) Application form can be downloaded and printed from the Human Resources forms website (due no later than the first day of classes for the semester)

69. 69 Educational Benefits  Cooperative Graduate Program Graduate courses offered in partnership between Southeast and another state institution  Masters in Higher Education Administration (University of Missouri – St. Louis)  Doctor of Education in Education Leadership (University of Missouri – Columbia) Reimbursement for courses with “B” or better grade: 70% Application form can be downloaded and printed from the Human Resources forms website

70. 70 Employee Assistance Program Plan Summary

71. 71 Employee Assistance Program  Employee Counseling and Employee Assistance Services Benefits to you and your immediate family Provides seven free, confidential counseling  Family problems and relationship issues  Job conflicts and concerns  Grief and loss issues  Stress related emotional issues  Depression and anxiety  Alcohol and drug concerns Call local office for an appointment:  (573) 334-7667 (800) 455-7327

72. 72 Additional Benefits…  Group Banking Benefit Program  Missouri State Credit Union  M.O.S.T. Program  U.S. Savings Bonds  AFLAC’s Personal Cancer Indemnity Plan

73. 73 My Southe@st  http://portal.semo.edu http://portal.semo.edu  Southeast Key required (Contact IT Department) Extension: HELP (4357) Academic Hall – Room 140  Allows access to: Benefits and Deductions Campus Directory Leave Balances Pay Information Tax Forms (W4 information, W2 Form) Time Sheet

74. Any Questions?  Visit our Website: http://www4.semo.edu/humanresources/Benefits/index.htm  Stop by our Office: Human Resources Office Academic Hall, Room 220  Call Us: (573) 651-2206