July 1, 2010 – June 30, 2011 Benefit Overview. Annual Open Enrollment The Glendale open enrollment period for the 2010/2011 employee benefit plan year

July 1, 2010 – June 30, 2011

Benefit Overview

Annual Open Enrollment

The Glendale open enrollment period for the 2010/2011 employee benefit plan year will begin May 1, 2010 and conclude on May 21, 2010. Open enrollment meetings will start on April 19, 2010.

Open enrollment changes will be effective July 1, 2010.

This is your once a year opportunity to add, drop or change existing coverage.

Next opportunity to make a change without a qualifying event will be May 2011 for a July 1, 2011 effective date.

Agenda Glendale Online Enrollment System

Medical Presentation

July 1, 2010 Renewal Summary

Glendale Employee Benefit Website

Glendale Online Enrollment System

© 2008 UnitedHealthcare

To Access the Glendale Online Enrollment System


1. Go to GESD homepage2. Click on Human Resources3. Select iVisions4. Log-in5. Go to Employee Resources, from drop-down

menu select Benefits Enrollment.








Medical


What We Will Cover Today

Medical Plan Options • Choice Plus Plan 003• Choice Plus Plan 104• HSA $2,500 (new for 2010)

UHC Tools and Resources


Three key issues experts agree on

1. People are removed from the true cost of health care

2. Health care costs are skyrocketing 3. There’s a need to save for future health care

costs

Solution…

Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.

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A High Deductible Health Plan with a Health Savings Account provides you:

• More choices • More control • Dedicated support to help you

Lower your costs Improve your health Save for the future


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What this means for you

• Introduction of a new medical plan that will give you the opportunity to save

• You’ll have consumer tools to assist you in evaluating the true cost of health care

• Focus on wellness and prevention of illness• District funded savings account to help you pay for

higher deductibles• Lower family premiums


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Preventive care can be the key to better health

• Preventive care is covered 100 percent• Regular preventive care helps

– Reduce risk of disease – Detect health problems early– Protect you from higher costs down the road – Save your life

• No copayments for doctor visits – take advantage• Covers immunizations recommended by the Advisory

Committee on Immunization Practices (ACIP) of the Centers for Disease Control and Prevention (CDC)


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Preventive care services include:Adults

• Annual routine office visit and exam

• Immunizations appropriate to age

• Annual influenza vaccination (flu shot)

• H1N1 flu vaccination

• Cholesterol screening

• Annual mammogram, every 1-2 years beginning at age 40, for normal risk populations

• Annual Pap smear and pelvic exam, every 1-3 years, beginning at age 18

• Colorectal cancer screening beginning at age 50, for normal risk populations

Children

• Well child visits appropriate to age

• Developmental screening appropriate to age


• H1N1 flu vaccination

• Lead-level testing, where applicable

UnitedHealthcare has adopted preventive care guidelines based on the recommendations of the U.S. Preventive Services Task Force (USPSTF). Listing of services are only summaries. For complete guidelines, visit www.cdc.gov/hip

http://www.cdc.gov/hip


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Preventive care vs diagnostic

Examples of preventive care

• Mammogram – annually for women starting at age 40 for normal risk populations

• Colonoscopy – every 10 years starting at age 50 for normal risk populations


• Pap smear – once annually for women who are 18 years of age or older

Examples of diagnostic care

• Breast biopsy to identify abnormality on a mammogram

• Colonoscopy and biopsy in a person with unexplained bleeding

• Examination and biopsy following consecutive abnormal Pap smears

UnitedHealthcare has adopted preventive care guidelines based on the recommendations of the U.S. Preventive Services Task Force (USPSTF). Listing of services are only summaries. For complete guidelines, visit www.cdc.gov/hip

Preventive care: screenings on persons without symptoms for early identification of problems when they are easiest to treat.

http://www.cdc.gov/hip

Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.17

Health Savings Account (HSA) $2,500 Plan


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HSA plan topics we will cover

About the HSA plan

How it works

Examples of how it works

OptumHealth BankSM

Free information and advice

Ways to learn more


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HSA Plan Components

Medical Plan United HealthCare

Health Savings Account

Optum Health Bank• Network and non-network coverage• Annual deductible• Protection from high out-of-pocket costs• 100 percent preventive care• No copayments

• Your personal bank account• Take it with you if you leave your job• Triple-tax benefits• Use it for medical & pharmacy bills• No “use it or lose it” rule


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About the HSA Plans

Health Coverage

HSA AnnualDeductible

Pre

ven

tive

Ca

re

• Preventive care covered 100 percent by your employer

With an HSA you can:• Deposit dollars• Grow your savings• Save on taxes• Pay for health care

now or later

Medical plan pays (coinsurance)

Tools and resources • Available via telephone or Web• Health coaches• Cost/Quality comparisons

• Must be satisfied before health coverage begins

• Preventive care not subject to deductible

Out-of-pocket maximum• Protects you from

high costs• Gives you peace of mind


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About the HSA $2,500 Plan

AnnualDeductible

$2,500

Max HSA contribution$3,050

Pre

ve

nti

ve

Ca

re:

100%

Employee Only Employee + 1 or more

DistrictContribution

$2,000

AnnualDeductible

$5,000

Max HSA Contribution:

$6,150

Pre

ve

nti

ve

Ca

re:

100%

DistrictContribution

$2,000

Health CoveragePlan pays 80% $4,500 Out-of-

Pocket maximum

Health CoveragePlan pays 80%$9,000 Out-of-

Pocket maximum


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Retail Mail order

Tier 1 $10 Copayment31-Day Supply

$25 Copayment90-Day Supply

Tier 2$30 Copayment31-Day Supply $75 Copayment

90-Day Supply

Tier 3 $50 Copayment31-Day Supply

$125 Copayment90-Day Supply

HSA Pharmacy Benefits – Members are subject to their Medical/Pharmacy deductible before copay’s apply. Medications listed on Preventative Drug List are subject to copays.


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To open and contribute to an HSA you must:

• Be covered by high-deductible health plan (HDHP) • Not covered by other non-HDHP health insurance • Not enrolled in Medicare or TRICARE • Not eligible to be claimed as a dependent on another

person’s tax return


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HSA key points

• Triple tax advantage• Pay for health care expenses now or save it for future• No minimum contribution; start or stop any time• May earn interest• Investment options for long-term growth• Keep all receipts in case of audit• For more details, go to myuhc.com

Investments are not FDIC insured, are not guaranteed by the bank and may lose value.


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Contributing to the HSA

• The District will contribute $2,000 to your HSA account for the 7/1/10 plan year!!!

• For 2010, you and/or your employer can contribute up to the IRS maximum of: – $3,050 (single) – $6,150 (family)

• Age 55 and older, “catch-up” contributions of $1,000• Contributions may be made via:

– Payroll deduction (if allowed – and it’s pre-tax)– Direct to OptumHealth Bank by check or on myuhc.com


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How it works – ChristopherHis reasons for selecting the HSA $2,500 were:• Opportunity to save on taxes and save for future

health care expenses• Preventive care and preventive medications covered

100 percent

Annual deductible: $2,500District funds HSA: $2,000Maximum HSA contribution: $3,050

Health coverage (network):20 percentOut-of-pocket maximum: $4,500


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Christopher – Year One HSA $2,500 Plan

Preventive care $ 250

Non-preventive

1 Urgent Care visit $ 200

2 Prescriptions 75

$ 275

HSA pays $ 275

Remains in HSAfor Year Two $ 2,225

Chris funds his HSA $ 500

District funds HSA $ 2,000

Member pays $ 0

Health Coverage20% coinsurance

$4,500 out-of-pocket max

AnnualDeductible

$2,500

Pre

ven

tive

Ca

re:

100%

HSAHSA

$2,500

$275$275

$25

0

Note: Assumes all network care – different coinsurance levels on non-network care apply.

HSA pays $275

Remains in HSA$2,225


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Christopher – Year TwoHSA $2,500 Plan

Preventive care $ 275

Non-preventive

3 Physician Visits $ 350

4 Prescriptions 225

$ 575

HSA pays $ 575

Remains in HSAfor Year Three $ 4,150

HSA funds from year 1 $ 2,225

Chris Funds his HSA $ 500

District Funds HSA $ 2,000

Total $ 4,725

Member pays $ 0



AnnualDeductible

$2,500

Pre

ven

tive

Ca

re:

100%

HSA

HSA$4,725

$575$575

$27

5

Note: Assumes all network care – different coinsurance levels on non-network care apply.

HSA pays $575

Remains in HSA$4,150


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How it works – Jane

Her reasons for selecting the HSA $2,500 Plan were:• No upfront cost for preventive care visits• Free preventive medications, list of 2010 Core List of

Preventive Medications

Annual deductible: $2,500District funds HSA: $2,000Maximum HSA contribution: $3,050

Health coverage (network):20 percentOut-of-pocket maximum: $4,500


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Jane – Year OneHSA $2,500 Plan

Preventive Care $ 250

Non-Preventive1 ER Visit $ 2,250Hospitalization 28,0504 Physician’s visits 70011 Prescriptions 1,500

$ 32,500

HSA Pays Deductible $ 2,500

Remaining Amount: $ 30,000Coinsurance @ 20% $ 6,000But out of pocket is: $ 4,500

Jane Funds her HSA $ 500

District Funds HSA $ 2,000



AnnualDeductible

$1,500

Pre

ven

tive

Ca

re:

100%

HSAHSA$2,500

$32,500

$2,500 deductible paid

by HSA $250

$2,000 Coinsurance

$28,000 paid by Health Plan

So Jane pays: $ 2,500Health Plan pays: 30,000

So only $2,500 comes out of Jane’s pocket on a $32,500 bill.

Note: Assumes all network care – different coinsurance levels on non-network careapply.

HSA$0


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The HSA payment process

1 43

Present ID card

to doctor.

1

Doctor sends

claim to

UnitedHealthcare

2

If you owe payment

as part of your

deductible, your

provider will bill

you the discounted

amounts for the

services provided.

3a

When you have

claim activity, you

will receive a Health

Statement.

4

If you have

satisfied your

deductible, Health

Coverage will pay

the provider. The

provider will bill

you for your

portion.

3b


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HSA Plan Components

Medical Plan United HealthCare

Health Savings Account

Optum Health Bank• Network and non-network coverage• Annual deductible• Protection from high out-of-pocket costs• 100 percent preventive care• No copayments

• Your personal bank account• Take it with you if you leave your job• Triple-tax benefits• Use it for medical & pharmacy bills• No “use it or lose it” rule


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OptumHealth BankSM

• A leader in health care banking and HSAs • Member FDIC • A UnitedHealth Group company


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Easy access to funds• Use at the point of service

(doctor’s office, pharmacy)• Can withdraw cash at

ATM where MasterCardis accepted*

• Can ask for additional cards for covered family members

• Free online bill pay• Checks (optional, $10 for

25 checks)

OptumHealth BankSM

*Access fees may also be charged by ATM owner.


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Three HSA Choices - Only from OptumHealth BankSM

for active health care spendersHealth eAccessSM

HSA

for those looking to earn competitive interest rates

Health eSaverSM

HSA

for those who plan to build and grow their HSA balances

Health eInvestorSM

HSA


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Choose the Right Mix of Fees and Interest

Understand the rates, fees and features for each account type:

Investments are not FDIC-Insured, are not guaranteed, and may lose value.

Health eAccess Health eSaver Health eInvestor

Monthly Maintenance Fee

Balance Required to Obtain APY

Investment Threshold

Monthly Investment Fee

$0-$499.99

$500-$999.99

$1,000-1,999.99

$2,000-$4,999.99

$15,000+

$5,000-$14,999.99

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

Annual Percentage Yield (APY) Annual Percentage Yield (APY) Annual Percentage Yield (APY)

$2,000 $2,000 $500

$3 $0 $2.50

$0 if balance exceeds $500$1 if balance is $1-$499.99

$0 if balance exceeds $5,000$3 if balance is $1-$4,999.99

$0 if balance exceeds $5,000$3 if balance is $1-$4,999.99

Variable based on balanceVariable based on balance Variable based on balance


Medical ID Cards All employees who move to a new medical plan will

receive new ID cards. The cards will be shipped to your home mailing address.

Continue to use your current ID cards until 6/30/10. Use the new ID cards effective 7/1/10.

Employees who enroll in the HSA $2,500 medical plan option will receive a debit card by 7/1/10.

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Medical Plan Evaluator Tool brought to you by

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This tool is available on the Glendale Elementary School District employee benefit website.

To access the website: Go to www.thebagnallcompany.com Select the “Benefit Login” box Enter the District’s password in all lowercase letters: glendale

When you enter the Glendale Elementary employee benefit website, select the “Medical Plan Evaluator Tool” tab on the left toolbar.

If you have 23 pay periods:Click the link “If you have 23 pay periods click here to access the tool”User name: gesd23Password: gesd23 If you have 25 pay periods:Click the link “If you have 25 pay periods click here to access the tool”User name: gesd25Password: gesd25 *Make sure you use all lowercase letters.

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http://www.thebagnallcompany.com/


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Additional UnitedHealthcare Tools & Resources

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Hospital Comparison Program

• On myuhc.com• Find national quality ratings

and cost information on 54 procedures and conditions

• Side-by-side hospital comparisons on cost and quality based on specific procedures


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Treatment Cost Estimator

• Provides cost estimates for specific treatments and procedures based on selected physician’s costs

• Helps you understand the cost of treatment

• Allows you to plan in advance of your health care need



Additional Benefits


Vision - UnitedHealthcareExamination ($15 copay, once every year):

Receive a comprehensive eye examination from a state licensed optometrist or ophthalmologist, covered-infull, after exam copay.

Materials ($30 copay):

The materials copay is a single payment that applies to the entire purchase of eyeglasses (lenses and frames), or contacts in lieu of eyeglasses.


Base Dental – MetLife


Carrier MetLifeCurrent Plan

MetLifeEffective 7/1/2010

Base Plan Base PlanBenefits In-Network Out-of-

NetworkIn-Network Out-of-

Network

Basic Information Annual Deductible Individual $50 $50 Family $150 $150Annual Plan Maximum $1,500 $1,500Benefits Composite fillings Not Covered Covered on molarsAnesthesia Under Type II & III Under Type I, II & IIIType I - Diagnostic & Preventive 100% 100% 90%Type II - Basic Service (fillings & crowns) 80% 80% 70%Type III - Major Services (bridges & dentures)

50% 50% 40%

Type IV - Orthodontic Services N/A N/A Orthodontia Age Limitation N/A N/A Orthodontia Lifetime Maximum N/A N/A Orthodontia Lifetime Deductible N/A N/A Adult Orthodontia N/A N/APeriodontic Coverage 80% 80%Endodontic Coverage 80% 80%


Buy Up Dental – MetLife


Carriers MetLifeCurrent

MetLifeEffective 7/1/2010

Buy Up Plan Buy Up PlanBenefits In-Network Out-of-

NetworkIn-Network Out-of-

NetworkBasic Information Annual Deductible Individual $50 $50 Family $150 $150Annual Plan Maximum $2,000 $2,000Benefits Composite fillings Not Covered Covered on molarsAnesthesia Under Type II & III Under Type I, II & IIIType I - Diagnostic & Preventive 100% 100% 90%Type II - Basic Service (fillings & crowns) 80% 80% 70%Type III - Major Services (bridges & dentures) 50% 50% 40%Type IV - Orthodontic Services 50% 50% Orthodontia Age Limitation Children to age 25 Children to age 25 Orthodontia Lifetime Maximum $1,000 $1,000 Orthodontia Lifetime Deductible None None Adult Orthodontia Not Covered Not CoveredPeriodontic Coverage 80% 80%Endodontic Coverage 80% 80%


District Paid Life/AD&D and Optional Life

Minnesota Life will replace SunLife

All employees will be automatically rolled over based on current elections

One time opportunity to enroll up to the Optional Life guaranteed issue amount without completing medical questions!!!

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Basic Life/AD&D

100% paid by Glendale!!!

2 x Base Annual Earnings rounded to the next higher multiple of $1,000 to a maximum benefit of $500,000


Optional Life Employee: An amount between $10,000 and $500,000, in increments of $10,000, not to exceed

5x basic annual earnings. Guaranteed Issue Amount is $100,000. Benefits cease at retirement. Any amount in force prior to age 70 reduces to $30,000 from age 70-79, and then

$1,000 at age 80+.

Spouse: An amount between $5,000 and $250,000, in increments of $5,000. Guaranteed Issue amount is $50,000. Spouse Optional Life coverage may not exceed 50% of the employee’s coverage. Any amount in force prior to age 70 reduces to $15,000 at age 70.

Children: 14 days – 6 months = $500 6 months – 19 years = Increments of $2,000 to a maximum of $10,000


Short Term Disability (STD)

Optional Employee Paid STD offered by Assurant Benefit up to 66 2/3% of your monthly salary Waiting period: 0 days injury, 3 days sickness 3 Month Duration Proof of good health is required for any amount greater than $2,000. Proof

of good health is required for all late enrollments.

District Paid STD offered by UNUM Benefit up to 66 2/3% of your weekly salary up to $1,155 per week Waiting period: 89th day injury, 89th day sickness 12 Week Duration

PRE‐EXISTING CONDITIONSNo benefits are payable for disabilities that commence within 12 months of your effective date if you

received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines for the disabling condition in the 12 months just prior to your

effective date.

Jodi Finnesy

Doesn't pre existing only apply to Vol STD - if so this should be moved up to be under it. Also add Employee enrolling for the first time must complete a hard copy enrollment form that is dowloaded from the benefit screen during the enrollment process or picked up here today at the meeting.Add to the District Paid STD that employees are automatically enrolled in this benefit.


Flexible Spending Account – Wage Works

Contribute to up to $3,000 per year to the health savings account and/or up to $5,000 per year to the dependent care savings account.

Money is deducted from your paycheck on a “before tax” basis to cover the cost of eligible items such as: copays, glasses, dental work, prescriptions, daycare for your children, etc.

Don’t forget the use-it-or-lose-it rule

Should you enroll in the new HSA $2,500 plan, you can enroll in a Limited Purpose FSA to receive reimbursement for Dental, Vision and/or Dependent Care expenses. The HSA account can be used for Medical, Dental and Vision expenses as well.


Don’t Forget About….


Prepaid Legal & Identity Theft

This benefit is not included in the online enrollment system. You must complete a hard copy enrollment form that can be picked up at the meeting today.

Liberty Mutual insurance discounted rates for home, auto and recreational vehicles.

Employees must contact Dan Klith at 623-572-4440 ext 56470


Benefit Plan Information

Go to www.thebagnallcompany.com

Click on the “Benefits Login” button

Enter your password in all lowercase letters:

glendale

http://www.thebagnallcompany.com/



© 2008 UnitedHealthcareConfidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group. © 2009 United HealthCare Services, Inc.

UHCEW439246-000

Documents

July 1, 2010 – June 30, 2011 Benefit Overview. Annual Open Enrollment The Glendale open enrollment period for the 2010/2011 employee benefit plan year