Agenda. Healthcare changes. Medical plan resources. Perks! New and old. Consider disability coverage. Enroll!

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1 What s New for 2016

2 Agenda Healthcare changes Medical plan resources Perks! New and old Consider disability coverage Enroll!

3 Healthcare Changes

4 Healthcare Changes UHC Consumer HSA UHC PPO Kaiser HSA North Freezing enrollment for employees Kaiser HSA South Kaiser HMO North Kaiser HMO South! If you re currently enrolled in these plans, you can stay in it for 2016.

5 Healthcare Changes UHC Consumer HSA Employee: $38.67 Employee + Spouse: $73.34 UHC PPO Employee: $ Employee + Spouse: $ Kaiser HSA North Employee: $32.74 Employee + Spouse: $72.03 Kaiser HSA South Employee: $25.29 Employee + Spouse: $55.63 Kaiser HMO North Employee: $ Employee + Spouse: $ Kaiser HMO South Employee: $87.65 Employee + Spouse: $ Employee: $38.67 Employee + Spouse: $73.34 Employee: $ Employee + Spouse: $ Employee: $36.70 Employee + Spouse: $80.73 Employee: $25.29 Employee + Spouse: $55.63 Employee: $ Employee + Spouse: $ Employee: $87.65 Employee + Spouse: $192.82

6 Healthcare Changes UHC Consumer HSA Employee + Children: $64.39 Employee + Family: $ UHC PPO Employee + Children: $ Employee + Family: $ Kaiser HSA North Employee + Children: $65.48 Employee + Family: $98.23 Kaiser HSA South Employee + Children: $50.58 Employee + Family: $75.87 Kaiser HMO North Employee + Children: $ Employee + Family: $ Kaiser HMO South Employee + Children: $ Employee + Family: $ Employee + Children: $64.39 Employee + Family: $ Employee + Children: $ Employee + Family: $ Employee + Children: $73.39 Employee + Family: $ Employee + Children: $50.58 Employee + Family: $75.87 Employee + Children: $ Employee + Family: $ Employee + Children: $ Employee + Family: $262.94

7 Healthcare Changes How we fund your Health Savings Account Plan January Payout July Payout UHC Consumer HSA Individual: $625 Family: $1,250 Individual: $625 Family: $1,250 Kaiser HSA Individual: $500 Family: $1,000 Individual: $500 Family: $1,000

8 Healthcare Changes New prescription vendor OptumRx (part of UHC) offers a more seamless experience: 1 card 1 site

9 Healthcare Changes Telemedicine Diagnose minor illnesses Prescribe prescriptions Answer questions

10 Healthcare Changes Switching dental providers from Delta Dental to Guardian With Guardian, you ll enjoy better prices and a larger network. Most of your dentists will be in the new Guardian network, too. Increasing the annual maximum benefit by $500 so you can get more care if you need it. Now, it s $2,000!

11 Healthcare Changes Personalized For the whole family Explore tools Go on health missions Enter sweepstakes Earn rewards

12 Understand Your Plan

13 Resources for You

14 Perks!

15 New Perks! Pet Insurance through Petplan: Take care of your furry family members at discounted rates. College Tuition benefit through our new dental provider, Guardian.

16 New Perks! Policy Year Subscriber Reward* Subscriber s Reward Balance (balance does not accrue interest) Initial Registration, Subscriber & Student Rewards 2,500 (2, ) 2 2,000 4, ,000 6, ,500 (Bonus Year) 11, ,000 13, ,000 15, ,000 17,000

17 Discounts and Other Perks Plus Volunteer time off $500 FlexPerk

18 Short-Term Disability

19 Short-Term Disability (STD) 84% of HDS employees are enrolled in our Short-Term Disability (STD) plan. Why? Because NO ONE wants to go 365 days with out pay! Short-Term Disability provides income if you re unable to work for an extended period of time. You pay just a small amount per paycheck..8% total salary 24

20 Your Enrollment Checklist

21 Your Enrollment Checklist Explore what s new and changing at benefits.hds.com Select your medical, dental and vision coverage for 2016 Increase your HSA contribution Enroll or re-enroll in your Health Care and/or Dependent Care Flexible Spending Account (FSA) Provide Social Security numbers for any covered dependents over age 1 Check that personal information is up to date Enroll or make changes through HDS Benefits Direct by November 20

22 Thank you!