Knowledge is Power A Brief Overview of the MEUHP & Your Benefits

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1 Knowledge is Power A Brief Overview of the MEUHP & Your Benefits Know your benefits. Save your money. Third-Party Plan Administrator for MEUHP Plan Year

2 Largest Statewide 118 School Districts Most Transparent Member Governed Self-Funded Health Plan

3 Consistency & Service Good News for You and Your District 5 Tiers allow for consistently healthier Districts to be rewarded over time* BEST *One tier change maximum per renewal 1 st year Districts with less than 12 months in MEUHP no tier change first renewal. State-of-art online enrollment services -- FTJConnect One Child Rate (60% of employee rate)

4 Missouri Educators Unified Health Plan BY YOUR SIDE AND ON YOUR SIDE Get the most from your health and well-being benefits Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates a 07/17

5 Cigna MEUHP s Network, Pharmacy and Claims Administrator Cigna serves over 20,000 members in Missouri Schools 85% of Cigna s business is focused on self-funded programs Best in industry on medical cost trend control* Provider Network National and international network with over 1 million providers *U.S. Medical Cost Trend Cigna vs. National Competitors * Source: 2010 Q2 2017results analyst calls publicly available information.

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7 Fulton MEUHP Health Plan Options All plans fully ACA compliant Includes routine preventive care at no cost to members. Plan out-of-pocket maximum (OOP) INCLUDES deductible. Copays on Rx apply AFTER deductible on HSA Integrated HSA banking available through HSA Bank. HSA 2700 & HSA 4000 include Preventive Rx program. Plans offered on Cigna s largest statewide, nationwide and worldwide network. (OAP)

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9 HSAs Triple Tax Advantages Employer and Employee Contributions are Tax-Free 2019 max contribution: $3,500 individual; $7,000 family $1,000 additional catch-up for those 55+ Maximum contribution limits includes employer and employee contributions Your HSA Account Balance can be used Tax-Free for withdrawals for qualified medical expenses including health, dental and vision for you and family members* Investment Earnings are Tax-Deferred until withdrawal after age 65 for supplemental retirement funds *For non-qualified expenses.withdrawals taxed at individual s tax rate, plus 20% excise tax **No excise tax on withdrawals after age 65.

10 Building Blocks to HSA Funding Success

11 HSA Accounts Know Your Responsibilities Who is eligible to open and fund a Health Savings Account? IRS Publication 969 What are eligible expenses to be paid with HSA funds? IRS Publication 502

12 Booklet available on FTJConnect and at Information also available from the I.R.S. at

13 HSA Members Preventive Rx Benefit NO COST maintenance medications for HSA members with: Asthma Blood Clots Diabetes Heart Health Issues High Blood Pressure High Cholesterol Osteoporosis Stroke

14 How do you get the most from your health plan?

15 Register on mycigna.com Log on to: Click on: Register Now to get started

16 Download the mycigna Mobile App in the App Store or Google Play Very User Friendly!

17 Many Valuable Resources Available Find in-network doctors, hospitals and other medical services View Identification card information Review your plan coverage Manage and track claims Order refills or talk with a pharmacist for Cigna Home Delivery Use Cigna s Prescription Drug Price Quote tool to compare drug pricing that is specific to your plan Compare cost and quality of care information for doctors and hospitals Access a variety of health and wellness tools Sign up to receive alerts Track your account balances and deductibles

18 18 Stay in-network whenever possible Cigna s network for MEUHP is: Open Access Plus (OAP) My Health Assistant

19 19 Compare Cost & Quality of Care Prices can vary greatly for the same procedure!

20 Cigna: Real Savings. Real Service! I received a call from Cigna suggesting that I compare imaging centers in the area. It turns out that I was able to save more than $600 by choosing Advanced Imaging in Jefferson City. The MEUHP is an excellent plan and has recruited the best claims administrator for its clients. Lane Novinger MEUHP Retired Member Buchanan Co. R-IV

21 Verify the accuracy of your Medical Bills Mistakes happen every day and that could cost you money! Duplicate Charges Services that weren t performed Incorrect patient information 21

22 22 Manage Prescription Costs Prices can vary greatly between pharmacies Check out your mail order benefits of your plan for maintenance drugs When you find a lower cost, it s like getting a raise! This Photo by Unknown Author is licensed under CC BY-NC-ND

23 Save on Generic Prescriptions Ask if a generic is available. In many cases they will perform the same at a fraction of the cost.

24 MEUHP Information is Power! Keep your magnet in a handy spot

25 24 Hour Nurse Line No cost!

26 Employee Assistance Program In addition to your health plan, you have access to the Employee Assistance Program (EAP). 3 face-to-face counseling sessions for you and your household members Phone or online consultation Log-on to Cignabehavioral.com Employer ID: meuhp Search the directory and request a referral to a licensed behavioral health professional in your community Call for assistance or a referral to a service in your community on topics such as: Legal consultations* Parenting and childcare Senior care Pet care Identity theft Financial consultations *Legal consultations related to employment matters are not available under this program.

27 Online / TeleHealth MDLIVE For Cigna Amwell For Cigna

28 Avoid ER for non-emergencies In 2016 the average ER visit cost the MEUHP over $1,400 per visit AND the average member $500 per visit! ER visits cost on average 10 times more than a doctor s office visit. Cough Colds Minor Rashes Allergy Ear Pain Fever Flu Headache Pinkeye

29 Ask Questions! Ask your physician about tests they recommend to ensure they are necessary. In some cases your physician may recommend the same treatment regardless of the tests outcome. In cases like this it makes you wonder why they recommend the test to begin with. Remember it s always up to us.

30 Get your Wellness Screening! Why is this important? Covered at 100% Preventive care is significant because getting the right services at the right time can help you stay healthy and prevent diseases. Detecting a problem at the earliest stage makes it much easier to treat and may provide a better outcome.

31 MotivateMe Incentives Awards are available to primary insured employees and retirees on the MEUHP medical plan.

32 Complete program information available from your District s payroll supervisor or at mycigna.com.

33 ***Start Up Goals Required before qualifying for other incentives except the Healthy Pregnancy, Health Babies Coaching.

34 Incentives run July 1 to June 30

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36 MotivateMe Employee Incentive Program Just received my $150 prepaid VISA card from the Cigna Incentive Awards Program. Filled out a survey, sent in my bloodwork from the health fair and went to my doctor for a checkup/physical. Three steps and I have $150 in hand! Never thought I could be pleased with a health insurance plan and NOT be in the hospital at the same time. Lee Baker MEUHP Member School of the Osage

37 School District Wellness Incentive Program Each District can earn up to $20 per covered employee-retiree by completing four criteria Superintendent wellness survey Staff education meeting Wellness ambassador position 35% participation of employees in biometric screening and health risk assessment 25 Districts earned over $47,000 for plan year With a comprehensive and integrated wellness program, the MEUHP is investing in the future health of members the biggest key to long-term health plan sustainability. Tom Quinn Executive Director and CFO

38 One-stop, paperless online enrollment.

39 65+ Supplemental Health & Rx Options For Retirees and Dependents of Employees Medicare Supplements Part D Prescription Plans Medicare Open Enrollment is October 15 through December 7 Bruce Kallmeyer, MBA FTJ Senior Products Manager ext bkallmeyer@ftj.com

40 Take Care of Yourself! You are the only self you have! Your lifestyle is the single most important factor to impact your health and your health care costs. It s up to you and even the smallest steps can make a BIG difference! Exercise! Try to eat better Take advantage of the weight management program Considering quitting smoking? Free resources on line

41 It s Your Plan Your Future We Appreciate Serving You! Third-Party Plan Administrator for MEUHP , ext info@meuhp.com