International Teams – Stateside

1. International Teams – Stateside Effective 1/1/2014 Shelia McAnally

2. Agenda • GuideStone’s Ministry • Medical plans • Dental Plans • Resources for your family • How to enroll or make changes • Q & A

3. GuideStone’s Ministry is Serving You • Serving thousands of ministry employees for 95 years • GuideStone health plans respect Christian convictions • Invested in helping you access the care you need, where and when you need it • Committed to helping your family manage your health care budget • GuideStone cares about your ministry’s success

4. GuideStone Brings Together Best-in-Class Providers Nationwide Medical Network Prescription Drug Pharmacy Worldwide Dental Network

5. Medical PPO Plan Option

6. Maximum Out-of-Pocket Limit: Individuals • Out-of-pocket costs for all eligible, in-network services — including deductible, co-pay and co-insurance — count toward the annual maximum out-of-pocket. • Once you reach the limit, your health plan covers all eligible, in-network health care expenses for the rest of the year! • Note: Out-of-network expenses accumulate separately and do not contribute to the maximum out-of-pocket limit.

7. Maximum Out-of-Pocket Limit: Family Coverage • The below applies to plans with an embedded deductible: • Out-of-pocket costs for all eligible, in-network services — including medical and prescription co-pays, annual deductible, and co-insurance — count toward the family maximum out-of-pocket limit. • Once one family member reaches the individual maximum out-of-pocket limit, all of their eligible, in-network benefits will be paid at 100% for the rest of the year. • The remaining amount of the family maximum out-of-pocket limit can be accumulated by one or all of the family members. • Once the family reaches the family maximum out-of-pocket limit, all of their eligible, in-network benefits will be paid at 100% for the rest of the year. • Note: Out-of-network and ineligible medical expenses do not accumulate toward, or contribute to, the maximum out-of-pocket limit.

8. Health Choice 2000

9. Vision Exam BenefitHighmark BCBS National PPO Network • One annual eye health examination for each participant, including: • Dilation • Refraction for eyeglasses or contact lens prescription • In-network providers fall under the primary office visit co-pay for traditional PPO plans • Out-of-network providers require out-of-network deductible and co-insurance

10. Wellness BenefitPer Preventive Care Schedule • The Preventive Care Schedule is based on services required under the Patient Protection and Affordable Care Act of 2010 (PPACA). • Scheduled, in-network services are covered at 100% and are not subject to co-pay, co-insurance or deductible. • Specific recommendations are based on age and gender. • Well-child visits and immunizations are covered up to age 18. • Services not listed on the Preventive Care Schedule such as EKGs and lung X-rays are not included in the 100% preventive exam. These services are included as diagnostic under deductible/co-insurance benefits.

11. Lab and X-ray BenefitsHighmark BCBS National PPO Network • Preventive lab work and X-rays • You pay nothing because eligible services are covered at 100%, per the Preventive Care Schedule. • This applies to: • A wellness visit at an in-network provider • A wellness-related visit at an in-network, out-patient hospital or free-standing facility • Mammograms covered annually starting at age 40

12. Lab and X-ray BenefitsHighmark BCBS National PPO Network • Diagnostic X-ray or lab work at a doctor’s office • Office visit co-pay applies when an in-network doctor performs lab work or X-ray in his or her office • Office visit co-pay applies regardless of where the doctor has the lab work or X-ray processed or read

13. Lab and X-ray BenefitsHighmark BCBS National PPO Network • Free-standing diagnostic X-ray or lab facility • You pay your deductible and co-insurance when you receive a diagnostic X-ray or lab work at a free-standing facility outside your physician's office. • Note: This facility may be adjacent to or within the same suite as your doctor’s office.

14. Traditional PPO PlansPrescription Benefits • 1If a preferred or non-preferred drug is purchased when a generic is available, the cost difference will not apply toward the participant’s deductible or maximum out-of-pocket limit. After the deductible is met, the participant must pay the cost difference between the preferred/non-preferred drug and its generic equivalent, if available. If the cost of the prescription is less than the co-pay, the participant will pay the full cost of the prescription.

15. Questions?

16. Federally-qualified High Deductible Health Plans (HDHPs)

17. What is a federally-qualified HDHP? • Medical plan design defined by federal government • Designed to be paired with a Health Savings Account (HSA), which has a triple tax advantage: • You are not taxed on HSA contributions • Earnings from contributions are not taxed • Withdrawals for qualified medical expenses are not taxed • Participants must first meet the deductible with all first-dollar costs, then medical or prescription drug claims are paid by the plan • Exception: Eligible, in-network preventive care covered at 100% (not subject to deductible)

18. Health Saver 3000How does an aggregate deductible work? • Employee-only coverage • Responsible for medical and prescription costs up to the individual deductible • After the deductible is met, the plan pays at 100%

19. Health Saver 3000How does an aggregate deductible work? • Employees with dependent coverage • Responsible for medical and prescription costs up to the family deductible • Family deductible must be met before anyone receives benefits — everyone’s expenses count toward the family deductible • After the deductible is met, the plan pays at 100%

20. Health Saver 3000 1Your deductible is met by both medical and prescription drug expenses.

21. Health Saver 3000Prescription Benefits 1Your deductible is met by both medical and prescription drug expenses.

22. Health Saver 3000Prescription Benefits • Combined medical and prescription drug deductible • If a preferred or non-preferred drug is purchased when a generic is available, the participant pays the full cost of the generic RX and the difference between the cost of the generic and preferred/non-preferred • The cost difference will not apply toward the participant’s deductible • After the deductible is met, the participant must continue to pay the cost difference between the preferred/non-preferred drug and its generic equivalent, if available.

23. Lab and X-ray Benefits • Preventive lab work and X-ray • You pay nothing because eligible services are covered at 100%, per the Preventive Care Schedule • This applies to: • A wellness visit at an in-network provider • A wellness-related visit at an in-network, out-patient hospital or free-standing facility • Mammograms covered annually starting at age 40 • Diagnostic lab work and X-ray • Charges apply towards deductible and coinsurance

24. HDHP Vision Exam BenefitHighmark BCBS National PPO Network • You are responsible for the cost of the vision benefit if you have not yet met your deductible. • The cost of the refractive exam accumulates toward your deductible. • After the deductible has been met, the refractive exam cost will be covered under the co-insurance benefit of your plan. • Search for Optometrists www.highmarkbcbs.com for eligible network providers. • Out-of-network providers require out-of-network deductible and co-insurance

25. Wellness BenefitPer Preventive Care Schedule • The Preventive Care Schedule is based on services required under the Patient Protection and Affordable Care Act of 2010 (PPACA). • Scheduled, in-network services are covered at 100% and are not subject to deductible or co-insurance. • Specific recommendations are based on age and gender. • Well-child visits and immunizations are covered up to age 18. • Services not listed on the Preventive Care Schedule such as EKGs and lung X-rays are not included in the 100% preventive exam. These services are included as diagnostic under deductible/co-insurance benefits.

26. Questions?

27. Health Savings Account (HSA)

28. What is a Health Savings Account (HSA)? • Must be paired with a federally-qualified High Deductible Health Plan (HDHP) • Individually owned — no “use it or lose it” rule • It’s your money — and it moves with you if you change employers • Can be saved to build HSA year after year to pay for retiree medical expenses

29. An HSA has Tax Advantages • An HSA’s triple tax advantage: • You are not taxed on HSA contributions • Earnings from contributions are not taxed • Withdrawals for qualified medical expenses are not taxed

30. Who is eligible to open an HSA? • Individuals who are covered by a federally-qualified High Deductible Health Plan (HDHP) are eligible to open an HSA, with the following exceptions: • Individuals who are covered by any other first-dollar health plan, including: • Specific injury insurance • Accident/disability • Dental care • Vision care • Long-term care insurance • Individuals who are claimed as a dependent on someone else’s tax return • Individuals who are enrolled in Medicare

31. What can I use my HSA for? • HSA monies (disbursements) can be used tax-free for qualified medical expenses: • Section 213(d) items • Reminder: Over-the-counter drugs are eligible for reimbursement only with a prescription. • HSA monies (disbursements) can be used for your dependents’ and your expenses: • Person covered by qualified HDHP • Spouse • Dependent(s)

32. What can I use my HSA for? • HSA disbursements cannot be used to pay premiums, except for: • COBRA, Medicare or long-term care coverage • Health premiums while receiving unemployment compensation • If you take an HSA disbursement and do not use it for qualified medical expenses, then: • The amount is taxed as income • A 20% penalty is levied • For more information: Search “HSA” or “Form 969” at www.treasury.gov

33. HSA Contribution Rules • Can contribute up to federal maximums: • 2014 annual maximums: • $3,300 (self-coverage) • $6,550 (dependent coverage) • Contributions can be made by employee, employer or someone else on employee’s behalf

34. HSA Contribution Rules • Employees age 55 and older can make “catch-up” contributions of $1,000 per year • IRA funds may be used to open an HSA one time only • If you enroll in an HDHP mid-year, you may contribute up to full annual maximums • Note: If you terminate your HDHP coveragemid-year, eligible HSA contributions are based on number of months enrolled (prorated)

35. Questions?

36. Dental Plans

37. Plan ComparisonPremier and Choice Dental Care Plans

38. Tools and Resources for Your Family

39. MyGuideStone.org • Sign in once and you’re done! No need to re-enter your login credentials for vendor sites. • Single point of access to everything you need: • Review your insurance product details • Download detailed plan booklets • Find a provider • Access wellness support and information • Learn more about health care reform

40. www.GuideStone.org • Download forms and resources for your plan • Get wellness support and inspiration • Learn more about health care reform • Find education about a range of personal finance, insurance, wellness and retirement topics

41. Tools and ResourcesHighmark Blue Cross Blue Shield® • www.HighmarkBCBS.com • www.Express-Scripts.com Cigna Dental • www.myCigna.com

42. Questions?

43. How to Enroll

44. Key Date • All employees must select a plan option by:Monday, November 11, 2013 • If you have any questions regarding enrollment changes or your employee benefits, please notify your benefits administrator.

45. Next Steps • Refill your prescriptions so you have enough on hand while you wait for your new ID card • Provide your pharmacy with this information: • Administrator: Express Scripts • Group number: ABSBC01

46. Before You Receive Your ID Cards • If you need to see a doctor or fill a prescription before you receive your ID cards, use the information on the “Important Reminders” page of your enrollment packet. • Watch the mail for ID cards for medical AND pharmacy.

47. This information only highlights the depth of coverage and benefits you can receive when you protect yourself with GuideStone Financial Resources. Limitations and exclusions apply. This material is a general summary of the plans. The official plan documents and contracts set forth the eligibility rules, limitations, exclusions and benefits. These alone govern and control the actual operation of the plan. In the event of a conflict with the description in this material, the terms of the official plan documents and contracts will control its operation. GuideStone Financial Resources of the Southern Baptist Convention reserves the right to change or cancel these programs at any time. This material does not imply an employment contract or guarantee of benefits. Medical underwriting could be required.