2012-2013 Plan Year

1. 2012-2013 Plan Year Effective September 1, 2012

2. PPO Plan Overview ActiveCare 1-HD, 1, 2 and 3 Plans2012-2013 Plan Year

3. Enrollment Summary (Employees by Plan, Feb. 2012) FirstCare Health Plans 2.5% Scott & White Health Plan 2.5% Valley Baptist Health Plans 0.3% 280,753 Employees • 477,346 Members (Employees and Dependents)

4. Cost Of Coverage Cost of Coverage (Active Care 1-HD, 1,2,3) • Rate increase effective September 1, 2012 ActiveCare 1-HD ActiveCare1 ActiveCare2 ActiveCare 3 4% 4% 6% 9% • Increases are driven by rising health care costs and higher use of medical and prescription drug services.

5. PPO Plan Overview (Network Level of Benefits) • No Medical Plan Changes for 2012-2013 Primary means care provided by family practitioners, internists, OB/GYNsandpediatricians.All other physicians are specialists.

6. PPO Plan Overview (Network Level of Benefits) • Sample services include: annual physical exams, well-woman and well-child care, routine mammograms, immunizations, routine colonoscopies, and more • Refer to Plan Highlights on the website or see Enrollment Guide for a list of covered services when using network providers • Covered services under this benefit must be billedby the provider as “preventive care”

7. Prescription Drugs ActiveCare 1-HD,1, 2 & 32012-2013 Plan Year

8. Medco administers your prescription drug plans on behalf of TRS • ActiveCare 1-HD, 1, 2, and 3 plans • Benefit includes both a retail and mail component • Medco has its own mail-order pharmacy – Medco By Mail – where specialist pharmacists focus on compliance and lower cost options for the patient, and the automated filling system ensures the prescription is filled accurately.* Medco only buys medication from the most reputable suppliers Your Medco Prescription Drug Plan *Medco’s mail-order pharmacies fill about 2 million prescriptions per week through a highly automated process that is 99.9997% accurate and is 23 times more accurate than a retail pharmacy “Dispensing Error Rate in a Highly Automated Mail-Service Pharmacy Practice”; Nov. 2007, Pharmacology, a peer-reviewedjournal of the American College of Clinical Pharmacy

9. Prescription Drug Benefits – Network Level * If you obtain a brand-name drug when a generic equivalent is available, you are responsible for the generic copayment plus the cost difference between the brand-name drug and the generic drug. Chart illustrates benefits when network pharmacies are used. Non-network benefits are also available; see Enrollment Guide for more information.

10. Premiums vary by age Purchase Age Cost Per Month Coverage for a 45-year old Age 50 $23.49 Under this program can be Age 55 $32.91 as low as $17.95 per month— Age 60 $47.52 Less than a dollar a day Age 65 $75.50 Long Term Care Insurance

11. Program Sources Benefits Administrator Website Only: http://genworth.com/trs Username: TRSADMIN Password: groupltc Apply online or call Customer Service 1-866-659-1970 Program Sources

12. Enrollment • Open Enrollment Periods for 2012-2013 Plan Year: • April 23 - May 25 (Spring Enrollment) • August 1 - August 31 (Summer Enrollment) • No pre-existing condition exclusion applies except for those who previously declined coverage (may be reduced by prior creditable coverage) • Passive enrollment – If no plan or coverage changes, then no form required • Premium adjusted to reflect any rate change, effective September 1

13. ID Cards (mailed to your home) • PPO plans (ActiveCare 1-HD, 1, 2 and 3) • Separate cards for medical and prescription drugs • Blue Cross and Blue Shield of Texas • Medco • No medical plan changes; BCBSTX will NOT reissue ID cards to existing plan participants (medical plan ID cards do not expire) • Prescription drug ID cards will be reissued by Medco for ActiveCare 2 and ActiveCare 3 plan participants

14. What if I Have Questions? Call TRS-ActiveCare customer service for: Claim questions/status Network provider information Membership and eligibility Medical and prescription drug coverage questions Inquiries (telephone and e-mail) ID card requests Transition of care information Help with online tools! Personalized Service Customer Service1-866-355-5999

15. Proposed 2012-2013 RISD Health Plan Rates Heath Plans District Employee Total Contribution Contribution TRS Premium TRS-ActiveCare 1HD $287.00 $11.00 $298.00 TRS-ActiveCare 1 $287.00 $51.00 $338.00 TRS-ActiveCare 2 $287.00 $173.00 $460.00 TRS-ActiveCare 3 $287.00 $350.00 $637.00 EXAMPLE ONLY NOT APPROVED BY RISD

16. Voluntary Benefit Review- 2012-2013 • Annual Open Enrollment- April 23- May 25 ONLY. • Dental and Vision Carriers will be Changing. • New Critical Illness Offering for 2012 with Guaranteed issue Opportunities. • Every Employee should login to InRoll to Double Check and Confirm Benefit Selections for 2012- 2013. • Please Update Beneficiary Designations and Dependent Information if Needed. • Take Advantage of Open Enrollment Opportunities- Remember, you are responsible for the benefit elections you make. Make Sure they are correct to avoid eligibility problems in the future.

17. Dental • New Carrier for 2012-13 • Lincoln Financial Group • Full Take Over of Currently Insured Employees • 3 Options Still Available- High, Medium, Low • PPO Plan Design- You can use any dentist • Benefit Structure will Remain the Same • Rates Guaranteed for 2 years High OptionMiddle OptionLow Option E/O $37.18 $31.55 $17.74 E+1 $72.36 $61.39 $34.52 E/F $126.07 $106.97 $60.15

18. Long Term Disability • Standard Insurance • Same Carrier as last Year • 8 plan Options to Choose From- 4 short term, 4 long term • Insures Against a Loss of Income Due to Sickness or Accident • Insures up to 66 2/3% of Income • Guaranteed issue, Open Enrollment

19. Supplemental Term Life • Standard Insurance • Rockwall ISD Provides $15,000 Coverage on all Employees • Employees can Purchase Additional Coverage • Very Affordable Group rates • Coverage amounts up to $200,000 or 5 Times Annual Salary on Employee • Coverage Amounts up to 50% of Employee Amount on Spouse • Coverage Available on Children • Easy Underwriting Process- simple to complete/evidence of insurability form is required for all enrollments.

20. Permanent Life Insurance • Fidelity Life • $25,000 - $150,000 Benefit Amounts. • Premiums will Never Change. • Take the Coverage with You When You Leave Portable. • Simple Underwriting Process. • Coverage for Employee, Spouse, Children.

21. Accidental Death and Dismemberment- AD&D • Standard Insurance • Same Carrier as last Year • Coverage amounts up to $500,000 • Very Affordable Group Rates- $500,000 coverage for only $10.00 • Coverage Amounts up to 50% of Employee Amount on Spouse • Coverage Available on Children • Guaranteed Issue. No Health Questions

22. Critical Illness- New for 2012-13 • Lincoln Financial Group • Provides Lump Sum Benefit for Critical Illnesses • Cancer, Heart Attack, Stroke, Quality of Life, etc. • Coverage amounts up to $20,000 • Very Affordable Group Rates • Available for Employee, Spouse, Children • Guaranteed Issue. No Health Questions

23. Vision • New Carrier for 2012-13 • Block Vision • Full Take Over of Currently Insured Employees • Much Improved Benefits • Premiums Remain the same • Very Large Provider Network, Including Walmart • Benefits for Exams, lenses, Frames, Contacts E/O $7.88 E+1 $14.18 E/F $21.86

24. Legal Plan/ Identity Theft • Legal Plan of America • Provides Free and Discounted Legal Care • Tax Preparation and Advice • Financial Education & Credit Counseling Services • Identity Theft Solutions • Life Events Counseling One Low Rate- $14.00

25. Flexible Spending Accounts

26. Rockwall ISD-2012 Enrollment Calendar

27. Questions Thank you for attending Presentation will be on the District Benefits Website next week. www.rockwallisd.com Click on Staff Link Click on Employee Benefits Click on Benefits Information/Education Session