OUC EMPLOYEE SUMMARY OCTOBER 17 NOVEMBER 18, 2016

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1 2017 ANNUAL ENROLLMENT OUC EMPLOYEE SUMMARY OCTOBER 17 NOVEMBER 18, 2016 Enrollment is your opportunity to review and make changes to your benefit options that will take effect January 1, This Benefits Edition provides important updates and new rates to assist you in understanding the plans being offered. OUC is committed to creating a sustainable Well-Being culture to successfully attract, motivate, and retain employees while achieving organizational growth & success. The Employee Self Service (ESS) website will again be your online tool to make any changes to your 2017 benefits. This is the one time of year when you can make changes to your health enrollment benefits without having a qualifying status change. 18 Changes, enrollments and cancellations must be submitted by Friday, November 18, 2016 for coverage starting January 1, If you want to have a Flexible Spending Account (FSA) for the 2017 calendar year, you must re-enroll. Also, forms are required for additional voluntary term life insurance enrollment. If you have any questions, please contact HR Benefits. CHANGES FOR 2017 Meet ALEX your on-line Benefit Counselor. Aetna specialty pharmacy benefit design change. $500 Roll over allowed for your 2017 FSA HRA Plan subsidy increased to $1,020 per year. Annual deductible will apply for Emergency Room and Outpatient Surgery. Premium plan will require pre-certification for complex imaging. For example, MRI s and Cat Scans. ALEX SOFTWARE ON-LINE BENEFITS COUNSELOR ALEX is an easy-to-use online tool that will help you select the best medical plan option for you and your family. ALEX will ask you a few questions about your health care needs (your answers remain anonymous, of course), crunch some numbers, and recommend a plan that s best for your personal needs. It s that easy! For more information about Alex visit OUCWEB. Meet ALEX at OUC EMPLOYEE ENROLLMENT 1SUMMARY OCTOBER 2016

2 GETTING STARTED ANNUAL HEALTH PLAN CHANGES THROUGH EMPLOYEE SELF SERVICE At work, access the ESS website by going to OUCweb and clicking on the E1/Employee Self Svc. link or type From home, go to and sign in. For assistance logging in, please contact IT Support Center at ext Go to the Employee Self Service tab and look for the ANNUAL ENROLLMENT column. EMPLOYEE SELF SERVICE (ESS) allows you to: View your current benefits and calculate your retirement benefits Access your benefit providers and other payroll/benefit information Update your address and phone number Update your emergency contacts Update your OUC Beneficiary(ies) Change your Voya or Nationwide deferred compensation deductions Review your pay stubs Update your W4 Review your paid time off balances View Quarterly Investment Reports for the OUC Pension Plan, OUC Defined Contribution Pension Plan, Nationwide and Voya. OUC WELLBEING PROGRAM WE CARE ABOUT THE HEALTH AND WELLBEING OF OUR EMPLOYEES, RETIREES AND THEIR FAMILIES. Your Wellness team is thrilled to announce an all-new website designed to allow you to continue your well-being journey like never before. OUCWellBeing.com will be a one-stop portal for health resources, fitness tracking friendly coworker competition, a reward system and so much more! Official launch coming in January 2017! To enhance early detection and disease prevention and to promote healthy lifestyles, we have developed a comprehensive OUC Wellness Program. BUT it only works if you use it: 100% paid routine adult physical exams (vision exam) 100% paid routine well woman exams 100% paid routine well child exams 100% paid routine adult and child immunizations 100% paid bi-annual dental routine check-ups 100% paid annual eye exams 100% paid Wellbeing Programs 100% paid YMCA Movement Matters Program 100% paid EAP online wellness and health resource 100% paid annual Wellness Expo Quest Diagnostic Lab. Aetna Health provides direct access to registered nurses to answer questions about conditions and treatment. Aetna Disease Management Program provides support to help people understand and stay with their treatment. Remember your 100% paid eye exam and annual physical exams are two ways to be as healthy as you can be! 2

3 2017 EMPLOYEE RATES OUC is proud to offer competitive benefits to our employees and retirees. One of the most important of these is comprehensive health care for you and your family. To assist employees with costs in 2017, OUC will be responsible for the largest share, but there will be a small increase in premiums for dependents, which we believe are offset by significant enhancements to benefits. THE FOLLOWING WILL TAKE EFFECT JANUARY 1, 2017: 2017 EMPLOYEE Weekly Medical, Prescription and Dental Insurance Premiums 2017 Medical, Dental & Prescription Options Core Plan ($1,000 Deductible) Health Reimbursement (HRA) Plan ($3,000 Deductible) Employee $ 0.00 $ 0.00 $ Employee plus one dependent $ $ $ Employee plus family $ $ $ Premium Plan ($300 Deductible) 2017 EMPLOYEE Weekly Aetna Vision Preferred Eyewear Insurance Premiums* Employee $0.98 Employee + 1 Dependent $1.86 Employee and Family $2.74 *This coverage is a pre-tax plan and is subject to IRS rules and qualifying status change. OUC PAYS THE FOLLOWING 2017 OUC Monthly Group Medical, Prescription and Dental Insurance Premiums 2017 Medical, Dental & Prescription Options Core Plan ($1,000 Deductible) Health Reimbursement (HRA) Plan ($3,000 Deductible) Employee $ $ * $ Employee plus one $1, $1,107.28* $1, Employee plus family $1, $1,549.41* $1, *Plus the $1020 HRA Contribution Premium Plan ($300 Deductible) FLEXIBLE SPENDING ACCOUNT (FSA) The limits for the 2016 Flexible Spending Account (FSA) are $2,550 for FSA health care and $5,000 for FSA Dependent Care. At this time, the IRS has not confirmed the 2017 Calendar Year Limits. As soon as information is released, HR Benefits will post on the OUCweb and ESS. FSA is an annual enrollment process and can now be done online through the ESS website. NEW THIS YEAR - Effective in the 2017 Plan Year: Employees will now be able to roll over $500 of unused 2017 funds into their 2018 medical FSA without penalty and without losing those funds. Employees will still need to be mindful of their allocation and ensure they are saving appropriately. 3

4 Health Benefits Choices. At a Glance Choose your plan based on your needs! Medical, Prescription and Dental Plan Design 2017 Medical & Prescription Options (In-Network Only) Core Plan ($1,000 Deductible) Health Reimbursement (HRA) Plan ($3,000 Deductible) Routine Adult Physical 100% 100% 100% Routine Well Child 100% 100% 100% Preventive Women 100% 100% 100% Routine Eye Exam 100% 100% 100% Primary Care Office Visit $25 co-pay $50 co-pay $20 co-pay Specialist Office Visit $45 co-pay $65 co-pay $35 co-pay Urgent Care, Guidewell $45 co-pay $65 co-pay $35 co-pay Convenience Clinics (Take Care Clinic, Minute Clinic) $25 co-pay $50 co-pay $20 co-pay Premium Plan ($300 Deductible) Diagnostic/Lab & X-ray 100%; deductible waived 100%; deductible waived 100%; deductible waived Outpatient Surgery (surgery and facility) 80%; after deductible 80%; after deductible 80%; after deductible Emergency Room 80%; after deductible 80%; after deductible 80%; after deductible Annual Deductible Combined Medical and Prescription Calendar Year Out-of-Pocket Payment Limit (Individual/Family) Diagnostic X-ray Complex Imaging Services (MRI & Cat Scan) $1,000 Individual $3,000 Family $3,000 Individual $9,000 Family $300 Individual $900 Family $6,600/$13,200* $6,600/$13,200* $4,500/$9,000* 80% after deductible 80% after deductible 80% after deductible Precertification required Inpatient Hospital 80% after deductible 80% after deductible 80% after deductible Non-Emergency Care in Emergency Room 50% after deductible 50% after deductible 50% after deductible Durable Medical Equipment 80% after deductible 80% after deductible 80% after deductible Aetna Specialty Pharmacy Aetna Prescription Drugs 80%; deductible waived max. co-insurance $200 Retail: $10/$50/$75 Mail Order: $20/$100/$150 80%; deductible waived max. co-insurance $200 Retail: $10/$50/$75 Mail Order: $20/$100/$150 80%; deductible waived max. co-insurance $200 Retail: $10/$30/$45 Mail Order: $20/$60/$90 Annual Health Reimbursement n/a $1020 n/a Account * Only in-network medical deductible, medical and prescription copayments and coinsurance expenses will apply towards the calendar year out-of-pocket payment limit. UPDATE SPECIALTY MEDICATION BENEFIT Some medical conditions require treatment with special prescriptions classified as specialty medications, which are not available through retail pharmacies or the normal mail order program. Effective January 1, 2016 the annual deductible was waived. Effective January 1, 2017 we have made an additional improvement by adding a $200 co-insurance maximum. 4

5 EYEWEAR MATERIALS (FRAMES AND LENSES) COVERAGE This coverage is a great way to save money on contact lenses, frames, lenses and even LASIK surgery. You can choose from designer brands such as Oakley, Ray-Ban and Vogue. The Aetna network includes popular chains such as Pearl Vision, LensCrafters, JCPenney Optical, Target Optical and Sears Optical, along with many other neighborhood eye doctors and optical shops. Finding an eye care provider is easy. Just use the Aetna online directory at Aetna VisionSM Preferred Eyewear Materials (Frames and Lenses) Coverage To discover what the plan covers, review the following: Eyeglass Lenses/Lens Options In Network Use your Lens coverage once every calendar year to purchase either 1 pair of eyeglass lenses OR 1 order of contact lenses. Single, Bifocal, Trifocal, & Lenticular Vision lenses $25 Copay Standard Progressive Vision lenses $90 Copay Premium Progressive Vision lenses* Member pays discounted fee of $25 plus $85-$110 (amount varies by brand) Other Premium Progressive lenses Member pays $90 copay plus 80% of retail cost minus $120 allowance UV Treatment Member pays discounted fee of $15 Tint (Solid and Gradient) Member pays discounted fee of $15 Standard Plastic Scratch Coating Member pays discounted fee of $15 Standard Polycarbonate lenses Adult Member pays discounted fee of $40 Standard Polycarbonate Lenses - Children to age 19 Member pays discounted fee of $40 Standard Anti-Reflective Coating Member pays discounted fee of $45 Photochromic/Transitions plastic Member pays discounted fee of $75 Polarized Member pays 80% of Retail Contact Lenses In Network Use your Contact Lens coverage once every calendar year to purchase either 1 pair of eyeglass lenses OR 1 order of contact lenses. Conventional contact lenses $130 Allowance* Additional 15% off balance over the allowance Disposable contact lenses $130 Allowance Medically necessary contact lenses $0 Copay Frames Use your Frame coverage once every 2 calendar years. Any Frame available, including frames for prescription sunglasses In Network $130 Allowance Additional 20% off balance over the Allowance. In-Network PPO Dental Plan Design Benefits In-Network Benefit Out-of-Network Benefit Deductible (Individual/Family) $50 / $100 $50 / $100 Preventive Services 100% 100% Basic Services 90% 80% Major Services 60% 50% Calendar Year Max $1,500 $1,500 Orthodontia Lifetime Maximum 60% up to $1,500 60% up to $1,500 5

6 ALLSTATE VOLUNTARY SUPPLEMENTAL INSURANCE PLAN Allstate is the provider for the supplemental insurance program. The Allstate products available to employees are: Group Voluntary Accident Plan Group Voluntary Cancer Plan Group Voluntary Critical Illness Plan Group Voluntary Hospital Indemnity Plan You may enroll/add/drop/cancel by contacting Allstate at Please contact Allstate to make your plan changes by Friday, November 18. VOLUNTARY TERM LIFE INSURANCE During annual enrollment, you may apply for the following amounts of voluntary term life insurance. For additional information, please refer to the Voluntary Group Term Reliance Brochure, which is posted on the Employee Self Service /Annual Enrollment tab. Employee Voluntary Term Life Insurance Benefit Amount During annual enrollment, there is a guaranteed issue of $10,000 coverage per year with a maximum cumulative amount of $100,000 without medical evidence as long as you are under the age of 60 and have not been previously declined for insurance coverage by Reliance Standard, terminated coverage or withdrawn an application. Benefit Amount If you have $100,000 and are under the age of 60, you may apply for additional $10,000 coverage per year with a maximum of $50,000 (over five consecutive years) without medical evidence as long as you have not been previously declined for insurance coverage by Reliance Standard, terminated coverage previously or withdrawn an application. Optional Dependent Life Insurance Spouse: Employee and spouse may select an amount of insurance from a minimum of $10,000 in increments of $10,000 up to a maximum of $500,000. Evidence of insurability is required. You may enroll for the voluntary spouse term life coverage when purchasing any coverage on yourself. Dependent Child: $2,000 (age 14 days to 6 months) Unmarried Dependent Child: $5,000 or $10,000 (age 6 months to 19 years; 20 to 26 years if full-time student) Please note that in order to insure your dependent child(ren), either yourself or your dependent spouse must have current coverage through the Reliance Standard Voluntary Group Term Life policy. Reminder: If your child is no longer eligible, it is your responsibility to contact HR Benefits to cancel coverage LIMIT FOR NATIONWIDE & VOYA DEFERRED COMPENSATION 457 (B) PLANS Currently, the elective deferral (contribution) limit is $18,000. The IRS is expected to post the same amount, $18,000 for 2017 calendar year. If you would like to change your contribution, please go to the ESS website. Current contributions will continue into 2017 unless a change is requested. Please note the deferred compensation programs offer employees age 50 and older a catch-up provision. For more details, contact Nationwide or Voya. The catch-up contribution limit is $6,000. Don t forget your Roth option which allows for post-tax contributions, but earnings are not taxable if held for at least five years. 6

7 AETNA NAVIGATOR As an Aetna member, you get tools and resources to help you easily manage your health and your benefits. All of your health benefits and health insurance plan information and cost savings tools are in one place your Aetna Navigator member site, NEW IRS INCOME TAX REQUIREMENT IRS Form 1095-C OUC is in compliance with the Affordable Care Act (ACA) mandate of offering health insurance coverage to full-time employees and their eligible children. The ACA, in conjunction with the IRS, is requiring OUC to issue Form 1095-C to all employees eligible for health insurance and non-medicare retirees enrolled in the retiree health insurance. OUC is also required to send this information to the IRS. More information regarding the distribution of Form 1095-C will be communicated at a later date. The IRS will use the information from Form 1095-C to administer the Employer Shared Responsibility provision. The Form also helps the IRS administer premium tax credits for any employee who qualified and enrolled for coverage at the Health Insurance Marketplace rather than enrolling in OUC s plan. DEPENDENT ELIGIBILITY & VERIFICATION Please review the eligible dependent definition carefully to ensure that the dependents you wish to cover will continue to meet the eligibility requirements during If you are eligible and you elect medical, prescription and dental for yourself, you also may elect to cover your eligible dependents. Part-time employees dependent(s) are now eligible for the health plan. Eligible dependents include: Your legal spouse (opposite-sex or same-sex) Children under age 26 who: Are your biological children; or Are your stepchildren; or Are your legally adopted children; or Are your foster children; or Is a child for whom the employee is the court-ordered legal guardian; or Live with you and whose parent is your child and the parent is covered as a dependent under the plan. Your unmarried children age 26 or older: Your unmarried child(ren) age 26 or older if fully handicapped: He or she is not able to earn his or her own living because of mental retardation or a physical handicap which started prior to the date he or she reaches the maximum age for dependent children under your plan; and He or she depends on you for support, maintenance and must live with you. REMINDERS! If your child is ineligible for any OUC benefits, it is your responsibility to contact HR Benefits to remove them from the plan. You have two years from your date of hire to enroll in the optional 1-2 percent pre-tax contribution to the OUC Defined Contribution 401(a) Pension Plan. After this period, you will not be eligible to enroll in the extra 1-2 percent optional pre-tax deferrals. You will always be eligible to enroll in the post-tax option. The deadlines for the 2016 Flexible Spending Account benefit are as follows: December 31, 2016: Deadline to utilize your account balance March 31, 2017: Deadline to file 2016 claims 7

8 KEY CONTACTS FOR OUC HR/BENEFITS OUC s HR/Benefits staff is here to assist you. If you have any questions concerning your OUC Benefits, please contact the following staff: Human Resources/Benefits (benefits@ouc.com) or ext W Anderson St, Orlando, FL Human Resources/Benefits Fax or ext OUC Employees Self Service (ESS) Aetna Medical Choice POS II Aetna Dental PPO Aetna Navigator CONTACT LIST OF BENEFIT PROVIDERS Aetna Pharmacy Management Aetna Prescription Home Delivery (mail-order) Aetna Specialty Pharmacy (ASRx) Aetna Vision Preferred Plan Aetna/PayFlex Flexible Spending Account (FSA) or Aetna Hearing Discount Program Health Reimbursement Account (HRA) P&A Group Allstate Supplemental Benefits Aflac Supplemental Benefits Aetna Resources for Living Employee Assistance Program (EAP) Matrix (FMLA and/or Short-Term Disability) Bud or Cindy Wimer Debby Cross Log On: ouc Password: ouc Reliance Voluntary Term Life (VG001624) Fidelity Investment Defined Contribution (DC) Plan or Supplemental Retirement Plan Nationwide Retirement Solution Voya Financial Partners Sandy Andaverde andavs1@nationwide.com Pat Tierney or pat@gaboragency.com Orlando Federal Credit Union OUC Micro Computer Support , ext