CPChem Benefits Presentation Open Enrollment Preview
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1 CPChem Benefits Presentation 2016 Open Enrollment Preview October 2015
2 Contents 2016 Open Enrollment Overview What s New for 2016 (Benefits Changes) Premium changes Meet ALEX Value CDH Plan changes Prescription Drug Plan changes Teladoc Expanded Dental Coverage FSA/HSA contribution limits increasing 2
3 2016 Open Enrollment Overview Open Enrollment Period: October 8 th 25 th Elections can be made two ways: (available 24 hours/day) Calling , option 1 (available 8:00 AM to 5:00 PM central time, Monday through Friday) Open enrollment closes on Sunday this year. The Mercer call center will effectively close for OE elections on Friday October 23th at 5:00 PM Central time. Website will remain open until midnight Central time on October 25 th. 3
4 2016 Open Enrollment Overview Open Enrollment is the one time per year that employees can make changes to their benefits without a life event Most elections will roll over. If no changes are made during the enrollment period, current elections for medical, dental, vision, supplemental life and AD&PL insurance, LTD, critical illness and group legal will continue for Flexible Spending Account (FSA) and Health Savings Account (HSA) contribution elections do not carry over employees must re-elect these every year Dependents removed during Open Enrollment are not offered COBRA 4
5 2016 Benefits Changes Premiums for most medical options are increasing Individual rates depend on coverage level and plan option selected All medical plan options subsidized at equal dollar value The Select EPO will see the highest employee rate increase at 12% Select EPO continues to see the highest claim volume Choice PPO increasing at 4.1% The Value CDH Plan will again be offered at no cost to the employees for all coverage tiers All other benefits rates, including dental and vision, will remain unchanged from
6 Your Medical Plan Options CPChem contributes at least 80% of medical premiums 6
7 2016 Medical Rates 7
8 2016 Medical Item Select EPO Plan Choice PPO Plan Value CDH Plan Monthly Premiums Employee Only Employee + Spouse Employee + Child(ren) Employee + Family $ $ $ $ $69.40 $ $ $ $0.00 $0.00 $0.00 $0.00 Out-of-Network Coverage No Yes Yes Company pays 100% for designated services Preventive Care Coverage Lower copays for selected drugs/conditions In-Network Deductible $300/$600/$900/$900 $550/$1,100/$1,650/$1,650 $1,300/$2,600 Annual Out-of-Pocket Maximum $2,000/$4,000/$6,000/$6,000 $3,000/$6,000/$9,000/$9,000 $4,500/$9,000/$9,000/$9,000 Co-pays/Co-insurance (your portion) 8 Co-pays for PCP, Specialist, Urgent Care; 10% co-insurance for other services 20% In-Network 40% Out-of-Network After deductible 30% In-Network 50% Out-of-Network After deductible Prescription Drugs Deductible N/A N/A Medical Deductible Retail - Generic 15% ($10min, $50 max) 15% ($10 min, $50 max) 30% after deductible - Brand Formulary 20% ($25 min, $100 max) 20% ($25 min, $100 max) 30% after deductible - Brand Non-formulary 30% ($45 min, $150 max) 30% ($45 min, $150 max) 30% after deductible $10 copay (generic) $20 copay (brand) $10 copay (generic) $20 copay (brand) $10 copay (generic) $20 copay (brand) - Preventive Mail Order - Generic $25 $25 30% after deductible - Brand Formulary $68 $68 30% after deductible - Brand Non-formulary $120 $120 30% after deductible - Preventive $20 copay (generic) $40 for (brand) $20 copay (generic) $40 for (brand) $20 copay (generic) $40 for (brand) Health Savings Account (Company Funding) No No $500/$1,000
9 2016 Benefits Changes Meet ALEX ALEX is our new easy to use on-line decision support tool! Fun and interactive Shows your most likely and worst case cost scenarios Includes medical, dental, vision and FSA/HSA Easy to understand Check out ALEX online at 9
10 10 ALEX Results - Most Likely Case
11 11 ALEX Results Worst Case
12 2016 Benefits Changes Value CDH Plan The Value CDH Plan Out-of-Pocket Maximum will be family style Meaning that for any coverage tier, no one person will have to contribute more than the individual out-of-pocket maximum The out-of-pocket maximum amounts will be $4,500 per person, up to a family maximum of $9,000 CPChem will continue to fund the HSA with $500 for employee only coverage and $1,000 for all other tiers 12
13 2016 Benefits Changes Prescription Drug Plan For the Select EPO and the Choice PPO the separate $100/person prescription drug deductible will be eliminated coinsurance for non-preferred brand drugs will increase to 30% (from 20%), with a minimum copay of $45 and a maximum of $150 (from $125) For all plans, the brand name preventive drug copays will increase from $10 to $20 at retail and from $20 to $40 through mail order Preventive generic drugs will remain the same at $10 retail copay for 30-day supplies and $20 copay for mail-order/cvs 90-day supplies The Step Therapy Program will be eliminated. Prior Authorization will remain in place Beginning in 2016 we will move to Aetna s standard formulary, meaning higher member cost for drugs moving from preferred brand to nonpreferred brand, but no loss of coverage All bulk chemical compound medications will no longer be covered, with the exception of children s medications 13
14 2016 Benefits Changes Telemedicine Teladoc For those covered under one of CPChem s medical plans you will have access to a doctor, through Teladoc, that can diagnose non-emergency medical problems and can even call in a prescription Teladoc can treat many of the following: cold & flu symptoms, allergies, bronchitis, sinus problems, respiratory infections. For examples of when to use Teladoc go to TELADOC ( ) or 24 hours a day/7 days a week from home or work Reduced copay of $20/visit for the Select EPO Deductible then coinsurance for Choice PPO and Value CDH, but total cost of $40/visit 14
15 2016 Benefits Changes Expanded Dental Coverage The dental plans will cover composite (tooth colored) fillings in addition to the current coverage of amalgam (metal) fillings 15
16 2016 Benefits Changes Increase to HSA/FSA Limits The Health Care FSA and the Limited Purpose FSA annual limits will increase from $2,500 to $2,550 The Health Savings Account (HSA) annual contribution limit will increase from $6,650 to $6,750 for all coverage tiers with the exception of employee only, which will remain the same at $3,350 16
17 Open Enrollment Next Steps Communication Item Date Open Enrollment Reminder October 21, 2015 Mercer Call Center Closes October 23, 2015 Web Site Closes October 25, 2015 Confirmation Statements Mailing November 20, 2015 New ID Cards (as needed) Prior to January 1, 2016 Thank you for participating in CPChem s 2016 Open Enrollment! 17
18 Notice to Participants This Chevron Phillips Chemical Benefits presentation, including the examples contained herein, are not intended to constitute a promise or contractual commitment by the Company or a right to benefits under any of its employee benefit plans. The Company reserves the right to unilaterally change or terminate any or all of its employee benefit plans at any time and without prior notice. Also, modifications may be necessary to comply with applicable legal requirements. In the event of any inconsistency between a statement contained in this presentation and the relevant plan document, the plan document will control. Employees covered by collective bargaining agreements will also be subject to the benefit plan provisions contained in the applicable collective bargaining agreements. In addition, this presentation is not intended to be and should not be treated as investment advice or tax advice. Participants should not rely upon the information contained in this presentation as a substitute for obtaining specific tax advice or investment advice from their tax advisor or financial planner. 18
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