ONU HEALTH BENEFIT PLANS

ONU HEALTH BENEFIT PLANS 2016 OPEN ENROLLMENT PRESENTATION AVAILABLE ON THE HUMAN RESOURCES WEBSITE

AGENDA Plan Review Benchmarking Plan Performance USI 2016 Cost Projection Plan Design Changes & Review Employee Contribution Changes Online Enrollment Packet & Portal Healthy Campus Review HealthWise Wellness Portal Questions & Answers

PLAN REVIEW

PLAN DESIGN BENCHMARK Plan A Richer than benchmark Core Plan Within benchmark for some benefits HSA Plan Mixed (some richer some less rich)

PLAN DESIGN BENCHMARK Average total health benefit cost per employee* ONU vs. Benchmark ONU Higher Ed Regional Area $10,653 $8,017 $8,747 * Total health cost includes medical & RX 2014

PLAN PERFORMANCE

PLAN PERFORMANCE Plan A 151% of budget for 2015 YTD Core Plan 52% of budget for 2015 YTD Plan B 79% of budget for 2015 YTD We now have enough information available to analyze each plan

USI COST PROJECTION

ONU PLAN COST PROJECTION Budget rates developed in conjunction with USI Salary bands continue to be offered at the three current levels Plan utilization is up almost $1M Anthem projected increased renewal costs = $691,282 ONU 2015 expected costs = $5.6M ONU projected 2016 costs = $6.3M

PLAN DESIGN CHANGES

PLAN CHANGES 2016 ONU Plan Options Deductible Plan A Core Plan Plan B Network Non-network Network Non-network Network Non-network Single: $500.00 $1,000.00 $1,000.00 $2,000.00 $1,500.00 $3,000.00 Family: $1,000.00 $2,000.00 $2,000.00 $4,000.00 $3,000.00 $6,000.00 Then paid at: 90% 60% 80% 50% 90% 60% Max out of Single: $2,500.00 $5,000.00 $3,500.00 $7,000.00 $3,250.00 $6,500.00 pocket (includes deductible) Family: $5,000.00 $10,000.00 $7,000.00 $14,000 $6,500.00 $13,000.00 Office visit copays: $20.00 Ded. & Coins. $25.00 Ded. & Coins. Deductible & Coinsurance Emergency room visit: Flexible Spending Account (FSA): Health Savings Account (HSA): $100.00 copay (waived if $100.00 copay (waived if admitted) Deductible & Coinsurance admitted) $2,550 per year maximum contribution for health care & $5,000 maximum for dependent day care per year $3,350 single & $6,750 family Only available if enrolled in Plan B maximum annual contribution Plan A & Core Plan deductible and out-of-pocket increases Plan B deductible increases Preferred generics incentive for Plan A & Core Plan participants All plans will include vision coverage with no changes Flexible Spending Account healthcare maximum contribution increase Health Savings Account family plan maximum contribution increase Elimination of domestic partnership

CONTRIBUTIONS FOR 2016 Continued shift in overall employee / employer contribution target - 25/75 (1% move for 2016) Different results by Plan and Tier Current rates vs. plan performance (not across-the-board) Each is at a different starting point Core plan is producing at levels that are currently sustainable. Small to no increase ACA impact will economically eliminate Plan A by 2018 Implementing a spousal surcharge for 2016

SPOUSAL SURCHARGE 2016 Reduce costs and keep ONU s plan affordable Spousal surcharge reflects market conditions Spousal surcharge $125 per month Any spouses that choose to be on the ONU plan but have coverage offered through their own employer Spousal Affidavits If spouse does NOT have coverage available through their employer, no surcharge will be assessed in 2016

SUPERIOR DENTAL CARE Coverage Level & Benefit Basic Plan (Preventative) No plan design changes for 2016 enrollment Buy-up Plan (Enhanced) Preventative care inclusions: 2 oral exams & 2 cleanings per year, fluoride, bitewing x-rays, intraoral periapical x-rays, & minor emergency treatment 100% 100% Basic care inclusions: Some oral surgery, endodontics, restoratives, space maintainers, & repair of crowns, bridges, & partials 50% 90% Major care inclusions: Periodontics/surgical periodontics, oral surgeries, sealants, prosthodontics, crowns & onlays 0% 50% Maximum payment per member per year (including preventative care) $750.00 $1000.00 RATES: With Med Dental Only With Med Dental Only Employee Only Included $17.68 $22.08 $39.76 Employee + 1 Dependent Included $37.01 $46.49 $83.50 Employee + multiple dependents (Family) Included $53.24 $66.09 $119.33 Rate increases for both Basic and Buy-up dental plans ONU will continue to pay the full cost of the basic dental plan for those employees enrolled in medical coverage

EMPLOYEE CONTRIBUTION CHANGES

2016 EMPLOYEE CONTRIBUTIONS PLAN A Salary Range/Tier Plan A $35,000 2015 2016 Diff Employee Only $99.00 $128.00 $29.00 Employee + Spouse/Partner $354.00 $492.00 $138.00 Employee + 1 Child $294.00 $397.00 $103.00 Employee + Family $580.00 $793.00 $213.00 Dual Employee Family $343.00 $454.00 $111.00 *Healthy Campus monthly discount PEPM $15.00 $15.00 $0 $35,001 - $90,000 2015 2016 Diff Employee Only $137.00 $159.00 $22.00 Employee + Spouse/Partner $491.00 $523.00 $32.00 Employee + 1 Child $407.00 $428.00 $21.00 Employee + Family $804.00 $824.00 $20.00 Dual Employee Family $475.00 $524.00 $49.00 *Healthy Campus monthly discount PEPM $20.00 $20.00 $0 $90,001+ 2015 2016 Diff Employee Only $200.00 $241.00 $41.00 Employee + Spouse/Partner $712.00 $800.00 $88.00 Employee + 1 Child $590.00 $663.00 $73.00 Employee + Family $1,166.00 $1,300.00 $134.00 Dual Employee Family $691.50 $807.00 $115.50 *Healthy Campus monthly discount PEPM $25.00 $25.00 $0

2016 EMPLOYEE CONTRIBUTIONS CORE PLAN Salary Range/Tier Core Plan $35,000 2015 2016 Diff Employee Only $80.00 $80.00 $0 Employee + Spouse/Partner $282.00 $287.00 $5.00 Employee + 1 Child $234.00 $237.00 $3.00 Employee + Family $461.00 $470.00 $9.00 Dual Employee Family $275.25 $278.00 $2.75 *Healthy Campus monthly discount PEPM $15.00 $15.00 $0 $35,001 - $90,000 2015 2016 Diff Employee Only $110.00 $110.00 $0 Employee + Spouse/Partner $392.00 $392.00 $0 Employee + 1 Child $324.00 $324.00 $0 Employee + Family $641.00 $641.00 $0 Dual Employee Family $380.25 $380.00 $.25 *Healthy Campus monthly discount PEPM $20.00 $20.00 $0 $90,001+ 2015 2016 Diff Employee Only $160.00 $160.00 $0 Employee + Spouse/Partner $568.00 $568.00 $0 Employee + 1 Child $469.00 $469.00 $0 Employee + Family $930.00 $930.00 $0 Dual Employee Family $552.50 $553.00 $.50 *Healthy Campus monthly discount PEPM $25.00 $25.00 $0

2016 EMPLOYEE CONTRIBUTIONS PLAN B Salary Range/Tier Plan B $35,000 2015 2016 Diff Employee Only $36.00 $44.00 $8.00 Employee + Spouse/Partner $128.00 $166.00 $38.00 Employee + 1 Child $106.00 $138.00 $32.00 Employee + Family $209.00 $250.00 $41.00 Dual Employee Family $124.25 $151.00 $26.75 *Healthy Campus monthly discount PEPM $15.00 $15.00 $0 $35,001 - $90,000 2015 2016 Diff Employee Only $46.00 $60.00 $14.00 Employee + Spouse/Partner $160.00 $208.00 $48.00 Employee + 1 Child $131.00 $169.00 $38.00 Employee + Family $261.00 $298.00 $37.00 Dual Employee Family $157.25 $195.00 $37.75 *Healthy Campus monthly discount PEPM $20.00 $20.00 $0 $90,001+ 2015 2016 Diff Employee Only $83.00 $104.00 $21.00 Employee + Spouse/Partner $291.00 $306.00 $15.00 Employee + 1 Child $239.00 $256.00 $17.00 Employee + Family $448.00 $467.00 $19.00 Dual Employee Family $278.00 $325.00 $47.00 *Healthy Campus monthly discount PEPM $25.00 $25.00 $0

WORKTERRA

WORKTERRA Provides Ease for Online Benefit Enrollment Streamlined Step-by-Step Enrollment Process Offers Supportive Comparison Tools Customer Service Assistance Lab Workshops to be Scheduled Online Portal Available November 1

WORKTERRA Online Open Enrollment Portal

OPEN ENROLLMENT REMINDERS

OPEN ENROLLMENT REMINDERS Review the deductible, out-of-pocket and premium changes before enrolling into a healthcare plan for 2016 Everyone must enroll online through the open enrollment portal Workterra If you wish to enroll in a Flexible Spending Account in 2016, you must complete the online enrollment form in Workterra Any questions, please contact Human Resources x2013

2015 HEALTHY CAMPUS REVIEW

HEALTHY CAMPUS REVIEW Currently self-reporting structure in Moodle Points needed for 2015 50 points How can I still get my points? Fall Health Screenings & Flu Shots: Saturday, October 17 6:00-9:00 am Wednesday, October 28 6:00-9:00 am Check your OE packet for more opportunities! (2016 HCP Announcement coming in January)

WELLWORKS

FEATURES Participate in various wellness activities to earn an incentive at the end of the Wellness Year! Some features of your new program include: Personal Wellness Portal Know Your Number Health Risk Assessment Lunch & Learns Onsite Screenings And More!

WELLNESS PORTAL Your Wellness Portal contains all of the tools you need to get started on your path to Wellness! Fitness and Nutrition Dashboard Device/App Integration Wellness Learning Series Wellness Toolbox Weekly Recipes and Grocery Lists Wellness Resources And More!

ONU FALL BENEFIT FAIR OCTOBER 21 10:30 AM 1:30 PM MCINTOSH ACTIVITIES ROOM QUESTIONS & ANSWERS