Nicholls State University Human Resources

1. Nicholls State University Human Resources Annual Enrollment Overview

2. IMPORTANT • This year members are required to make a selection during the annual enrollment period. • All employees who are currently enrolled in a plan and do not make a selection by the end of the enrollment period, will be moved into the Pelican HRA 1000 – a new, low premium plan that offers a nationwide network and an employer contribution that can be used to offset out-of-pocket medical expenses.

3. Key Changes for 2015 • All employees who are enrolled in a plan for 2014 MUST select a plan for 2015 or they will be moved into the Pelican HRA 1000 • All new plan offerings • New ways to enroll (paper, online, or HR) • No opportunity to make changes until next year’s annual enrollment period (except for a qualifying event)

4. NEW TIMELINE • Oct 1stAnnual Enrollment Begins • Nov 30th Annual Enrollment Ends • March 1, 2015 plan year begins

5. During Annual Enrollment, you may... • Enroll in a health plan • Drop or add dependents • Discontinue OGB coverage • Determine the amount of your HSA contribution (Active Employees only) • Enroll or change contribution to flexible spending account (Active Employees only)

7. Pelican Plans • OGB’s Pelican plans offer low premiums, in combination with employer contributions, to create the most affordable options for members in 2015. • Pelican plans offer coverage within the Blue Cross nationwide network, as well as out-of-network coverage.

8. Pelican HRA 1000 • The Pelican HRA 1000 includes employer contributions in a health-reimbursement arrangement (HRA) that can be used to offset deductible and other out-of-pocket medical expenses throughout the year. Any unused funds roll up to the in-network, out-of-pocket maximum, allowing members to build up balances that cover eligible medical expenses. (Prescription drugs are not reimbursable by the HRA.) • Current members who do not make a selection for 2015 will be moved into this plan.

10. Pelican HSA 775 (Actives only) • The Pelican HSA 775 includes a health savings account (HSA) funded by both employers and employees. Employers contribute $200, then match any employee contributions up to $575. Employees can contribute additional funds on a pre-tax basis, up to $2,775 for single and $5,875 for family, to cover out-of-pocket medical and pharmacy costs. • Unused funds are rolled over every year with no limit. Unlike the HRA option, the money in an HSA follows the member even if he or she changes jobs or retires. • This plan is most like our current CDHP (high-deductible) plan.

12. HRA vs. HSA • A Health Reimbursement Arrangement, or HRA, is an account that employers use to reimburse employees' healthcare expenses, such as deductibles and eligible medical costs. The HRA funds are available as long as you remain employed by an OGB-participating employer. • A Health Savings Account, or HSA, is an employee-owned account used to pay for qualified medical expenses, including deductibles, prescriptions and other eligible medical costs. • To enroll in an OGB HSA, you must enroll in the Pelican HSA 775. • Both employees and employers can contribute to a HSA, but the funds are owned by the employee. • The HSA funds are available even if you are no longer employed by an OGB-participating employer.

14. Magnolia Plans • Magnolia plans offer lower deductibles than the Pelican plans in exchange for higher premiums. • The Magnolia Local and Local Plus are traditional plans that offer $25 primary care co-pays (excluding wellness visits) and $50 specialty care co-pays. • The Magnolia Open Access Plan differs from the other Magnolia plans in that members enrolled in the open access plan will not pay co-payments at physician visits. Instead, once a member’s deductible is met, he or she will pay 10% of the allowable charge for in-network care and 30% of the allowable charge, plus 100% of the difference between the allowable charge and billed amount for out-of-network care.

15. Magnolia Local Only for members who live in the Baton Rouge (East & West Baton Rouge and Ascension Parishes), Shreveport (Caddo and Bossier Parishes), and New Orleans communities(Orleans and Jefferson Parishes).

16. Magnolia Local Plus • The Magnolia Local Plus option offers the same coverage as the Magnolia Local plan, with the additional benefit of a nationwide network. The Local Plus plan is ideal for members who prefer the predictability of co-payments rather than using employer funding to offset out-of-pocket costs. • This plan provides care in the Blue Cross nationwide network. Out-of-network coverage is provided in emergencies. • This plan is most like our current HMO plan.

18. Magnolia Open Access • The Magnolia Open Access Plan offers coverage both inside and outside of Blue Cross’s nationwide network. It differs from the other Magnolia plans in that members enrolled in the open access plan will not pay co-payments at physician visits. Instead, once a member’s deductible is met, he or she will pay 10% of the allowable charge for in-network care and 30% of the allowable charge, plus 100% of the difference between the allowable charge and billed amount for out-of-network care. • Though the premiums for the open access plan are higher than OGB’s other plans, its moderate deductibles combined with a nationwide network make it an attractive plan for members who live out of state or travel regularly. • This plan is most like our current PPO plan.

20. Vantage Medical Home HMO • Deductible/co-pay system like Magnolia Plans. • Statewide networks (Affinity Health Network Providers) • Tier I/Tier II Providers

22. Which plan is most like your current plan?

24. What’s Different? • Current PPO plan Magnolia Open Access Plan • Increased In-Network Deductible: $500 to $1,000 for Active Employee (Retirees from $300 to $1000) • Coinsurance In-Network: No Change (90/10) • Network: No Change – Blue Cross Nationwide Network • Coverage: No Change in out-of-network coverage (70/30) • Out-of-Pocket Max increase for In-Network: $1,500 to $3,000 Employee Only • CDHP - HRA 1000 & HSA 775 • Yearly plan contributions that rollover to cover out of pocket expenses • Lower premiums • Higher deductibles

25. What’s Different? • Current HMO plan Magnolia Local Plus Plan • Increased primary care and specialty co-pays: PCP $15 to $25, SCP $25 to $50 • ER and hospital co-pays: ER $100 to $150; Hospital – no change • Network: No Change • Coverage: No out-of-Network coverage on the Local Plus Plan and Local Plan • Deductible and co-insurance on services where co-pay does not apply • Out-of-Pocket Max In-Network Increase - $1,000 to $3,000 Employee Only

31. FAQ’s Q: Is my network changing? A: If you are enrolled in a Blue Cross plan, you will have access to the same nationwide network as last year. The only exception is the Magnolia Local plan (for BR, NO, & S’port only)

32. FAQ’s Q: What if I choose a plan and then change my mind? A: If you wish to change your plan selection during the annual enrollment period, simply visit the annual enrollment portal and select a new plan. Your most recent choice will be considered valid. If you change your mind after annual enrollment is over, you won’t be able to change your plan until next year’s annual enrollment period unless you experience a qualifying event.

33. FAQ’s Q: What does it mean when there is no out-of- network coverage available? A: Out-of-network coverage is coverage outside of your available network. OGB’s plans offer Blue Cross’s nationwide network, making it easy to stay in-network for your care. Several OGB plans also offer options for out-of-network care, including OGB’s Pelican plans and the Magnolia Open Access plan. No matter which plan you choose, emergencies are covered both in and out of network.

34. Resources • Annual Enrollment Site: https://www.annualenrollment.groupbenefits.org/ • Main OGB site: www.groupbenefits.org • Customer Service: 1-800-272-8451