Measurement Specialties 2013 OE

Open Enrollment2014Prepared for:

Gen4Gen412HEALTH CARE REFORM UPDATE

Notice of Marketplace ExchangeYou should have received this notice on or around October 1, 2013.

No action is required by you.

This is a required notice to be sent by your employer to inform you of your options in the federal marketplace exchange.

The notice contained information specific to the plans offered by the Diocese of Cheyenne.

Individual MandateBeginning January 1, 2014, all taxpaying, U.S. Citizens must be covered by a health care plan that meets minimum standards.

If you fail to meet this requirement, you may be subject to a penalty through the IRS.

For more information, visit www.healthcare.gov

23YOUR BENEFITS IN 2014MedicalNEW for 2014: Diocese of Cheyenne Health Plan is joining the Reta TrustReta Trust is a Catholic Healthcare Trust that has been in existence since the 70sAdvantages: Adhere to Catholic directives Online enrollment portalWellness program through WebMDBuying power in larger numbersNew Plan offerings through AetnaPPO Plan - $1,000 deductible pharmacy plan through OptumHSA Plan - $2,500 deductible pharmacy plan through AetnaNew ID Cards for Aetna (new group number) and OptumHealth Savings Account with Aetna/PayflexFlexible Spending Account for Health and Dependent Care

DentalRemain with Aetna PPO Dental Plan no plan changes use same ID cardVisionVSP - no plan changes

Life/AD&D and Long-Term DisabilityBasic & Voluntary Life coverage and Long-Term Disability with Christian Brothers/MetLife34MEDICAL - AETNAType of IN-NETWORK ServicePPO PlanHSA PlanDeductible (Individual/Family)$1,000 / $2,000$2,500 / $5,000 Coinsurance(In-/Out-of-Network)80% / 60%80% / 60%Maximum Out-of-Pocket (Individual/Family)$5,000 / $10,000(Includes deductible & coinsurance)$5,000 / $10,000(Includes deductible & coinsurance)Preventive Services 100%100%Office Visits$25 copay PCP / $40 copay Specialist80% after deductible Lab and X-Ray80% after deductible80% after deductibleInpatient/ Outpatient Services80% after deductible80% after deductible Emergency Services$200 copay, 80% after deductible$200 copay,80% after deductible

Out-of-Network benefits available. Please see plan summary for details.

45PREVENTIVE SERVICES

Preventive services may include:*Routine physicalsWell-baby examsImmunizationsMammogramsPSA TestsPap SmearsColonoscopiesPreventive services are covered at 100%!*Services are age-specific and not covered as preventive for everyone. They may also be limited in frequency. See plan documents for details.

If you are not sure whether your procedure will be covered as preventive or not, ask your doctor to file a Predetermination of Benefits before you go in for your appointment.If your doctor codes your exam as Diagnostic, it will NOT be covered at 100%.5Take Control and Be Accountable for your Health

Health and wellness begins with an individuals choice and lifestyle . Reta and The Diocese want to support you, their employee, with tools and resources in helping you achieve a healthier outcome. 2014 will bring new opportunities to earn wellness financial credits. Watch your mailbox for more information.

Financial Incentive opportunities include:

Completion of the Health Quotient through WebMD ($50)

Completion of 3 Health Coach Calls or 5 Weekly Digital Health Plans ($100)

Biometric Screening Participation January & February 2014Biometric Healthy ResultsBMIBlood PressureCholesterolHemoglobinTobacco Free

62014 WellnessNew 67MAXIMIZE YOUR BENEFITSBe proactive!Ask your doctor how medical procedures will be billedAsk for a Pre-Determination of BenefitsAdded value benefits & discount programs

Stay in the network!Confirm the provider is IN the networkOut-of-Network providers will cost more

Get educated about your prescriptions!Consider GenericTake advantage of discount pharmacy programsWal-Mart: $4 (30-day) and $10 (90-day)Shop aroundSams Club: No membership neededAsk your doctor for samples

78HSA 101 What is an HSA?There are two components to an HSA:The Insurance Plan Qualified High Deductible Health Plan (HDHP)

The Bank Account a Health Savings Account (HSA) is IRS regulated and allows you to save money on a pre-tax basis for qualified medical expensesHealth Savings Account PlanPART 1:High Deductible Health Plan (HDHP)PART 2:Savings Account (HSA)Protects you from big medical billsHelps pay your deductibleTax-deductible depositsTax-deferred growthTax-free for medical careNew 8

9HSA 101 What are the benefits?Participating in an HSA offers a healthy return on your investment.Control You decide how much money to put into the account and when to use it to pay for medical expenses. You can stop contributing at any time.

Affordability Lower your health insurance premiums by participating in a health insurance plan with a higher deductible.

Tax Savings Tax deductions when you contribute to your account, tax-free earnings through investment, tax-free withdrawals for qualified medical expenses.

Portability You keep the account even if you change insurance plans, jobs or retire.

Flexibility Use the funds to pay for current medical expenses or save the money for future needs.

Savings Grow your account through investment earnings.

910HSA 101 What expenses qualify?Qualified Medical Expenses

Use for Medical, Dental, and Vision expenses for you, your spouse, or your dependent children even if they are not covered by your High Deductible Health Plan (HDHP) Note: You may not use your HSA funds to pay for medical premiums for you or your spouseCOBRA, Long-Term Care and Medicare premiumsNon-Qualified Medical Expenses

Subject to ordinary income tax and a 20% premature withdrawal penalty if:Made before age 65 ANDUsed to pay non-qualifying medical expenses

Withdrawals are NOT subject to a premature withdrawal penalty if:Made after turning age 65Due to death or disability (at any age)10

11HSA 101 Contribution LimitsThe IRS sets maximum limits on HSA Contributions for a calendar year.Coverage2014 Calendar Year IRS MaximumEmployee Only $3,300Employee + 1 or More$6,550Catch Up Contribution(age 55+)$1,000HSA Bank Account Registration:

Go to retaenroll.org and pull information how to set up your account online

.1112PRESCRIPTION DRUG BENEFIT PPO PLANSeparate ID Card Benefit administered through OptumReta Value Option Program AppliesPRESCRIPTIONCO-PAYSRetail Up to 30 Day SupplyMail Order Up to 90 Day Supply Tier 1: Generic$10$20 Tier 2: Preferred Brand$20 $40 Tier 3: Non-Preferred$30 $60

Using Mail Order for maintenance medications can save you money!

1213PRESCRIPTION DRUG BENEFITThe RVO program will help you and your doctor identify lower cost prescription drugs for treating some very common health conditions. These lower cost drugs are called preferred drugs under the RVO program. If you use a drug that is not on the preferred drug list (called a non-preferred drug), your out-of-pocket cost will likely be much higher. If you will be affected based on current drug utilization, you will receive a letter from Optum prior to January 1, 2014, explaining your medication options. The RVO program is only applicable to those who elect the PPO Plan.

1314PRESCRIPTION DRUG BENEFIT HSA PLAN - AETNAAfter your $2,500 or $5,000 deductible has been met, you pay co-pays for prescriptions, up to your Out-of-Pocket MaximumPRESCRIPTIONCO-PAYSRetail Up to 30 Day SupplyMail Order Up to 90 Day Supply Tier 1: Generic$10$20 Tier 2: Preferred Brand30% 30% Tier 3: Non-Preferred50% 50%

Using Mail Order for maintenance medications can save you money!

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15DENTAL Aetna TYPE OF IN-NETWORK SERVICE*BENEFITSCalendar Year Maximum $1,000 per personPreventative100% Deductible (Applies to Basic & Major)$50 per person Max 3 per family ($150)Basic: Fillings, Extractions, Oral Surgery, Endodontics, Periodontics Deductible + 80%Major: Anesthesia, Implantology, Dentures, Bridges, Crowns, Inlays, OnlaysDeductible + 50%Orthodontia (Children up to age 19)Not covered*Out-of-Network benefits are paid based on Usual & Customary Rates.Use Contracted Providers when possible to make your maximum go farther

Use same ID Card you have today Same Group NumberNo change to covered benefits1516VISION - VSPIN-NETWORK SERVICES*NetworkOut-of-NetworkExams$10 co-payPaid up to $50Lenses$25 copay, allowed every 12 monthsAllowed every 12 months, amount dependent on single ($50), lined bifocal ($75), lines trifocal ($100)FramesCovered up to $130 retail, allowed every 24 monthsPaid up to $70 frame, allowed every 24 monthsContact lenses (in lieu of frames)Covered up to $130

Paid up to $105 in lieu of framesNo ID Cards neededUse VSP providers stretch your vision dollars farther

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17Basic Life and AD&D1.5x Annual Salary up to $150,000 maximumDoubled in the event of Accidental Death100% Employer PaidImportant InformationAge Reduction applies at age 65Update your beneficiary at any timeLIFE / AD&D BasicMetLife through Christian Brothers1718DISABILITY Long Term DisabilityLong-Term Disability (LTD)Elimination Period: Accident, Illness Day 90Total Duration: to age 65 or SSNRACoverage Amount: 60% salary up to $5,000 per month100% Employer Paid

Long-Term Disability helps replace a portion of your income for an extended period of time if you are unable to work.

MetLife through Christian Brothers1819FLEXIBLE SPENDING ACCOUNT (FSA)Full Health Care FSAContribute up to $2,500 per year(6-month election up to $1,250)

Use for Medical, Dental, and Vision expenses for you, your spouse, or your dependent children even if they are not covered under your employers benefit plan(s)

NOT AVAILABLE if you are contributing to a Health Savings Account (HSA)Limited Health Care FSAContribute up to $2,500 per year (6-month election up to $1,250)

Use is limited to Dental and Vision expenses for you, your spouse, or your dependent children

ALL Medical expenses, including over-the-counter, should be filed under your Health Savings Account (HSA)

1920FSA 101 What are the benefits?Participating in an FSA allows you to lower your taxable income.

Choose your contribution during Open Enrollment

Maximum annual contributionHealth Care: $2,500Dependent Care: $5,000(6-month election beginning in January only half the annual amounts allowed)

Tax Savings - Contributions are made pre-tax via payroll deduction

Accessibility - Money available up-front at beginning of plan year (Health Care FSA only)

Money does NOT roll over....use it or lose it!

2021FLEXIBLE SPENDING ACCOUNT (FSA)Dependent Care FSAContribute up to $5,000 per year ($2,500 if married filing separately)

Use for daycare, after-school care, and summer day camp program expenses for child(ren) under age 13

Care of disabled dependents over the age of 13

Adult daycare for disabled spouse or dependent

2122FSA vs. HAS - The difference is in the S.

FAQFSAHSAWho can enroll?Full Health Care FSA Employees waiving MedicalLimited Health Care FSA HSA Plan EnrolleesDependent Care FSA - AnyoneHSA Plan EnrolleesAre Contributions Pre-Tax?YesYesWill My End-of-Year Balance Roll Over?No. If it isnt spent, its lostYes. If it isnt spent it, the money rolls overWhat is the maximum I can contribute annually?Medical = $2,500Dependent Care = $5,000Per Calendar year: $3,300 if only covering myself, $6,550 if covering dependentsWill I have to submit receipts?Yes, for charges other than co-pay amountsNo, but keep the receipts in case of an IRS auditDoes the company contribute to the account?NoNoWhat happens to unused funds if I leave the company?Kiss them good-byeYou take them with youSpendingSavings2223ContributionsSee the enrollment guide or online enrollment platform for monthly contributions for both medical plans, the dental plan, and the voluntary vision plan.

Basic Life insurance and Long-Term Disability are paid for in full by your location.

2324NEXT STEPS

To enroll or make changes to your 2014 benefits:Go to www.retatrust.org to enroll online(see enrollment guide for login instructions)Paper option is also availableLast day to make changes: November 22, 2013

Changes effectiveJanuary 1st, 2014 This will be a short plan year (6 months). Therefore, elections will be good up to 7/1/14. You will have another open enrollment in the Spring 2014 for a July 1 effective date.

Open Enrollment is the only time during the year that you can make changes to your benefit plan(s) without a qualifying event.New 24

www.retatrust.org

27NEXT STEPSQualifying Events30 days from date of qualifying event to make changesMarriage or DivorceBirth or adoptionDeath of a spouse or dependentGain or loss of other coverageENROLLMENT:We highly encourage you to go online and confirm your elections and/or change your coverage. If you do not have access to enroll online, you can obtain a paper enrollment form from your location administrator or from the Diocese of Cheyenne website (www.dioceseofcheyenne.org) If you do not actively make your elections online, your coverage will be continued for 2014 with the exception of your flexible spending account contributions. FSA elections must be made annually. Your current medical plan election (PPO or Health Fund) will be transferred as follows:PPO Plan = new PPO Plan for 2014Health Fund = new HSA Plan for 2014

2728QUESTIONSIf you have ANY questions regarding your benefits, please contact your location coordinator or Human Resources.

Thank you for attending theGallagher Benefit Servicesbenefit presentation for theDiocese of Cheyenne

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