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2. 2015 Benefit Open Enrollment Presentation

3. Items Being Reviewed Today… Cost of Medical Coverage Immanuel Benefit changes Choices for Medical Services US Bank pay card How to Enroll Benefits through Ulti-Pro Tax Forms Reminders

4. 20092010201120122013201420152016 EE Only$48.00$38.00 $41.75$45.75$49.75$52.75$53.81 Savings 0% Neutral 10% Increase 10% Increase 9% Increase 6% Increase 2% Increase The table shows Employee Only per pay period premiums for the last 8 years. Our premiums have only increased $5.81/mo over this period. This year there is only a small premium increase of $1.06 per pay period for employee only.

5. 2016 Medical Premiums (FTE.7 up to an FTE 1.0) –EE Only $53.81 Bi-weekly (+$1.06) $48.43 Subsidized Rate** (+$0.95) –EE+Spouse $181.56 Bi-weekly (+3.56) $163.40 Subsidized Rate** (+3.20) –EE+Child(ren)$168.30 Bi-weekly (+3.30) $151.47 Subsidized Rate** (+2.97) –EE+Family $206.04 Bi-weekly (+4.04) $185.44 Subsidized Rate** (+3.94) **Employees with a wage of $14.50/hour or less receive a 10% discount on medical premiums.

6. Coventry Recently Merged with Aetna Expanded Network of Aetna Providers Employees will receive new cards near January 1st $1,750 Single Deductible (with a $3,000 Max Out-of-Pocket) $3,500 Family Deductible (with a $6,000 Max Out-of-Pocket) Once the Deductible is Met, Co-Pays apply (i.e. Doctor Visits) Plan pays 100% on services without copays

7. Medical Plan Design Changes 2016 Immanuel Plan Design CoverageEE OnlyEE + Dependents Deductible$1,750.00 $3,500.00 Coinsurance100% except for copays Maximum Out-of-Pocket (Includes Copays)$3,000.00 $6,000.00 After Deductible is Reached Primary Care Office Visit$25.00 After Deductible Specialist Office Visit$50.00 After Deductible Chiropractic Visit$25.00 After Deductible Urgent Care$75.00 After Deductible Emergency Room $150.00 After Deductible waived if admitted into hospital $150.00 After Deductible waived if admitted into hospital Physical Therapy$25.00 After Deductible Out-Patient Mental Health / Chemical Dependency $25.00 After Deductible Rx - generic$10.00 After Deductible Rx - name brand preferred (formulary)$35.00 After Deductible Rx - name brand non-preferred$65.00 After Deductible Rx - specialty$100.00 After Deductible 7

8. Emergency Room/Urgent Care/Teladoc/Nurseline What should I do??? ASK - Do I have time to call the Nurse Line? Do I already know that I will need a prescription so I want to talk to a doctor? Does this need immediate attention so I’m going to Urgent Care or the Emergency Room for treatment?” Cost of a call to Nurse Advisor Line Free Teladoc cost is $40 ($0 after deductible) Average cost of an Urgent Care Visit is $163 Average cost of an Emergency Room Visit is $1,477

9. NEW Added Feature to our Medical Plan! US board-certified doctor Available 24/7 365 days a year $40 per visit/call that goes towards annual deductible After deductible $0 cost and $0 copay Why use Teladoc? – Convenience – Lower Out-of-Pocket Expense – No Appointment Needed 9

10. Nurseline 24-hour nurse line for your health questions – Get information on health and wellness topics – Get emails from a nurse with videos that are relevant – Make smarter health care decisions – Find out more about a medical test or procedure It is a toll free call at 800-556-1555 You can also go to www.aetna.comwww.aetna.com – Use the symptom checker – Learn about a medical test that’s coming up – Research a new medication you’re taking 10

11. Medical Ins Comparison of Competitors Immanuel HospitalHospital/Dr’s ClinicSr. Living Services High Deductible Plan Traditional PPO Plan Calendar Yr Deductible $1,750 single/$3,500 family $2,000 single/$4,000 family $2,600 single/$5,200 family$2,500 Out-of-Pocket Limit$3,000 single/$6,000 family $5,000 single/$10,000 family $6,000 single/$12,000 family $5500 single/$11,000 family Preventive CarePays 100% Office Visit$25 copay after deductible20% after deductible 25% after deductible20% after deductible Specialist Visit$50 copay after deductible 20% after deductible 25% after deductible 20% after deductible Emergency Room$150 copay after deductible 20% after deductible $200 copay after deductible20% after deductible Prescriptions Generic$10 copay after deductible35% after D $10 min/$100 max $15 copay every time Formulary$35 copay after deductible35% after D $30 min/$100 max $35 copay every time Non-Formulary$65 copay after deductible35% after D $50 min/$100 max $55 copay every time Specialty$100 copay after deductible35% after D $160 min/$300 max $100 copay every time 11

12. Wellness Reward 2017 Must earn 150 Points (plus biometrics, health risk assessment, & tobacco affidavit) Try our New Learning Series! Stress Management - 40 Points Weight Management - 40 Points Smoking Cessation - 40 Points Check Out the New Wellness Website at: www.wellworksforyoulogin.com www.wellworksforyoulogin.com **Employees who start after July 1 st each year are grandfathered for wellness points.

13. 2016 Dental Premiums –EE Only $8.39 Bi-weekly (+$0.40) –EE + Spouse $15.94 Bi-weekly (+$0.76) –EE + Child(ren)$15.94 Bi-weekly (+$0.76) –EE + Family $26.07 Bi-weekly (+$1.24) The maximum allowance per plan year is $1,200

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15. How to Enroll for Benefits New Open Enrollment Software---Ulti-Pro All Benefit Eligible Employees Need to Confirm their Previous Elections /or Make Changes to their Current Benefit Coverages Deadline for Benefit Enrollment is November 23rd It is necessary that you review your benefits you need for going forward. Otherwise there will be no coverage in January.

16. 16 Please Verify All Contact Info: SSN; Birth Date; Full Name; Phone #; Etc.

17. 17 *Prior to Open Enrollment, make sure all your dependent/beneficiaries are up to date. For Step-by-Step Instructions, Click on the Highlighted Tour Above.

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24. 24 US Bank Focus Card Payroll cards are essentially prepaid debit cards that are loaded up by Immanuel every pay period. The cards can make purchases at a point of sale and be used at ATMs to withdraw funds loaded on them or taken into US Bank for cash withdrawal. Ph # 877-474-0010

25. No More Live Check Distribution No Cost to Sign Up; Credit Checks; or Bank Account Required $$$ are Immediately Loaded to your Card on Payday $$$ are Protected if Lost or Stolen Features to the Focus Card: –You can Track your Spending –Get Text or E-mail Alerts –Mobile App to quickly get balances –Cash Back Rewards 25

26. –IRS 1099 form received for the HSA account. –Reports all distributions from your HSA on Form 1099-SA. –IRS requires you to prepare Form 8889 and attach it to your tax return. Check with your tax preparer for more information if needed. –If you were participating in our HSA prior to June 1 st and used funds from your accounts in 2015, you will be receiving two 1099 forms. One form from Mutual 1 st and one from Wells Fargo. 26

27. Overview Three new tax forms relevant to individuals, employers and health insurance providers. –1095-A, if you had coverage through the marketplace –1095-B, if you had coverage through an employer with less than 50 employee –1095-C, if you had coverage through a large employer These forms help determine your compliance. There may be a penalty fee charged if you didn't have health insurance in 2015. 27

28. Form 1095-C, provides information about the coverage your employer offered and whether or not you chose to participate. You need this form to complete your tax return. 28

29. Immanuel provides tuition reimbursement for FT employees up to a maximum of $4,000 per fiscal yr. and regular PT employees up to a maximum of $2,000 per fiscal yr. This was increased in July to further help employees! If you elect the Flexible Spending accounts for Dependent Day Care or Medical or Limited, you must reapply for calendar year 2016. Special Enrollment on the Supplemental Spouse Life policy! During this open enrollment only, all spouses can get up to the lesser of $75,000 or 50% of the employee’s supplemental life amount. Special Enrollment on the Voluntary Cancer policy! If you do not currently have the cancer policy and would like to get the cancer policy, you will not have to complete a health questionnaire. There is a guarantee issue for this open enrollment only. Wellness Reimbursement on the cancer policy--$50 on the Low policy and $100 on the High policy. Outpatient physician reimbursement on Accident policy-- $25 on the Low policy and $50 on the High policy.

30. Immanuel provides a 401k plan with a 3% safe harbor contribution to eligible employees and matches $0.50 on the $1 of the first 6% of employees contributions after eligibility is met. There have been a few questions about a recent letter and the Verizon employer discount of 22%. EVERY Benefit Eligible person must enroll or they will not have insurance on 1/1/2016! Questions – Contact your HR Manager or You can reach us at benefits@ihsi.orgbenefits@ihsi.org Some informational handouts are on the table.