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Lets take a Trip Around the World

of Benefits!

2015 Benefit Open Enrollment Presentation

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

Immanuel’s Premium History2009 2010 2011 2012 2013 2014 2015 2016

EE Only $48.00 $38.00 $38.00 $41.75 $45.75 $49.75 $52.75 $53.81

<21%>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.

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.

Medical Plan• 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

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Medical Plan Design Changes2016 Immanuel Plan Design

Coverage EE Only EE + DependentsDeductible $1,750.00 $3,500.00

Coinsurance 100% except for copays 100% except for copaysMaximum Out-of-Pocket (Includes Copays) $3,000.00 $6,000.00

After Deductible is Reached After Deductible is ReachedPrimary Care Office Visit $25.00 After Deductible $25.00 After Deductible

Specialist Office Visit $50.00 After Deductible $50.00 After Deductible

Chiropractic Visit $25.00 After Deductible $25.00 After Deductible

Urgent Care $75.00 After Deductible $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 $25.00 After DeductibleOut-Patient Mental Health / Chemical

Dependency $25.00 After Deductible $25.00 After Deductible

Rx - generic $10.00 After Deductible $10.00 After Deductible

Rx - name brand preferred (formulary) $35.00 After Deductible $35.00 After Deductible

Rx - name brand non-preferred $65.00 After Deductible $65.00 After Deductible

Rx - specialty $100.00 After Deductible $100.00 After Deductible

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

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Teladoc 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

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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.com– Use the symptom checker

– Learn about a medical test that’s coming up

– Research a new medication you’re taking

Medical Ins Comparison of Competitors

Immanuel Hospital Hospital/Dr’s Clinic Sr. Living Services

High Deductible Plan High Deductible Plan High Deductible Plan Traditional PPO PlanCalendar 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 Care Pays 100% Pays 100% Pays 100% Pays 100%

Office Visit $25 copay after deductible 20% after deductible 25% after deductible 20% 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 deductible 20% after deductible

Prescriptions

Generic $10 copay after deductible 35% after D $10 min/$100 max $15 copay every time

Formulary $35 copay after deductible 35% after D $30 min/$100 max $35 copay every time

Non-Formulary $65 copay after deductible 35% after D $50 min/$100 max $55 copay every time

Specialty $100 copay after deductible 35% after D $160 min/$300 max $100 copay every time

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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 **Employees who start after July 1st each year are grandfathered for wellness points.

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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Benefit Provider Apps

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.

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Before you Begin Open Enrollment

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

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How to Begin Open Enrollment

*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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First Steps in Open Enrollment

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Verify Beneficiaries and/or Dependents

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Enrolling in Plans

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Enrolling in Plans

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Reviewing and Submitting Elections

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You Can Make Changes in your Elections until November 23rd!

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New Payroll Cards

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

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• 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

New Payroll Cards

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– 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 1st and used funds from your accounts in 2015, you will be receiving two 1099 forms. One form from Mutual 1st and one from Wells Fargo.

Tax Forms

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New ACA Regulations

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.

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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.

New ACA Regulations

Reminders • 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.

Reminders Continued…

• 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.org

• Some informational handouts are on the table.

Don’t forget to take a few minutes to fill out the Benefit Survey.

We appreciate your feedback.

We’re all on this Journey Together!

Thank You for Coming to the Benefits Tour Around the World!