Open Enrollment Plan Year 2014 November 11 th – 22nd, 2013

1. Open Enrollment Plan Year 2014November 11th – 22nd, 2013

2. Agenda • Positive Enrollment, Dates, & Method • Tobacco Certification & Medical Plan Changes • Voluntary Benefits Platform • Dental • Vision • Life Insurance Options • Disability (Short & Long) • FSA, HSA & new limited use FSA • Sick leave pool • Questions

3. Positive Enrollment, Dates & Method • November 11th – November 22nd, 2013 • Benefit plans are now uniform among USG • KSU specific dental, vision, etc. no longer available • All employees must confirm or decline choices in new plans • Active employees must make elections via the ADP portal under the “My Benefits” tab

4. Tobacco Certification • All employees currently in or electing a medical plan for 2014 will be required to certify the tobacco status of all covered individuals age 18 and over. • Certification will include examples of tobacco usage (cigarettes, cigars, chewing tobacco, electronic cigarettes, etc.) • A surcharge of $50 per person per month will be added to the premium amount for your coverage.

5. Tobacco Certification

6. Tobacco Certification

7. Tobacco Surcharge • Increased clarification of penalties and fines for not answering truthfully and not updating your status if it changes • If your tobacco status changes after 1/1/14 and you notify HR, the premium differences will take affect the first of the month following. • HR and the Wellness Center will be offering increased resources for smoking cessation. Contact KSU’s Wellness Coordinator, Farrah Spellman, for details.

8. Medical Plans • Good News! 2014 Premium Rates • No increase for any BCBS plan • Small increase (4.3%) for Kaiser participants

9. Plan Changes Open Access POS • Increase Emergency Room co-pay from $50 to $150 • Prescription drug changes/programs: • –Increase Preferred Brand Name prescription co-pay from $30 to $35 • Remember to ask for generic! $10 for 30 day supply • Maintenance medications now have an option to use mail order Rx • Out-of-network deductible increase ($400 to $500 for individual and from $1,200 to $1,500 for family) • Out-of-network annual maximums increase ($2,000 to $3,000 for individual and $4,000 to $5,000 for family) • Co-payments for office visits and emergency room will be included in out-of-pocket maximum • No premium increases • Remember to think about an FSA

10. Plan Changes HSA Open Access POS (HDHP) • Increase of co-insurance from 10% to 15% • Separate out-of-network deductible of $2,500 for individual and $5,000 for family • Maintenance medications will now have a mail order option • No premium increases • Remember to activate your HSA for your matching seed money

11. Plan Changes – Blue Choice HMO • Increase in PCP co-pay from $15 to $20 • Maintenance medications will now have mail order option • Now has an annual out-of-pocket maximum of $6,350 for individual and $12,700 for family • No premium increases • Remember to think about an FSA

12. Plan Changes – Kaiser HMO • Increase in PCP co-pay from $15 to $20 • Now has an annual out-of-pocket maximum of $6,350 for individual and $12,700 for family • Premium increase of 4.3% • Remember to think about an FSA

13. Medical ID Cards • All covered members will receive a new medical ID cards for 2014. • Make sure that your address is correct within the ADP portal.

14. Voluntary Benefits Platform • With the exception of basic life insurance coverage, all premiums are employee paid. • New premium tier for dental and vision will be employee + children.

15. Delta Dental • Two plan options • Diagnostic & preventive does not count towards annual maximums, only restorative services will. • No waiting on orthodontia; available for children and adults • No waiting on replacement crowns and implants (with some limitations) • Covers implants and mouth guards

16. Delta Dental Network “A network within a network” PPO Network – Highest savings as providers have agreed to fee schedule 208,500 providers Premier Network – Moderate savings as providers have agreed to a discount 294,000 providers All other dental providers. No additional savings; will be balance billed

17. Delta Dental *Preventive services don’t count toward the deductible **Benefit limits on replacement dentures or crowns apply Coverage Tier Base Plan High Plan Employee $24.82 $30.66 Employee + Spouse $49.62 $61.30 Employee & Child(ren) $47.12 $58.24 Family $79.38 $98.10 • In-network benefits for PPO network result in lowest cost. • In-network benefits for Premier network result in moderate savings. • Out-of-network will result in balance billing.

18. EyeMed Vision Employees who enroll will receive an ID card Coverage Tier Monthly Premium Employee $6.38 Employee + Spouse $14.38 Employee & Child(ren) $12.14 Family $18.84

19. EyeMed Insight Network Premium Private Practitioners Fashion Function Economic

20. EyeMed Vision • 40% off on unlimited addition pairs • 20% of any item not covered by the plan • 20% of any frame balance • Lasik discount – 15% of retail pricing or 5% of promotion price at U.S. Laser locations

21. Life Insurance – Minnesota Life • Employee basic coverage • No change: employer provided coverage of $25,000 plus matching AD&D • Employee supplemental life with matching AD&D • From 1x to 8x with maximum of $2.5 million • Based on age as of 1/1 each plan year • No age reductions • Can increase current election additional 1x without health questions for this open enrollment only

22. Life Insurance – Minnesota Life • Spouse life coverage • Coverage options of $10,000 to $500,000 in $10,000 increments • Health questions are required for any increase from current spouse coverage amounts • Special note for those currently enrolled in Cigna $10,000 dependent life coverage (DPLF $4.70 a month) – the system will indicate that EOI (health questionnaire) will be required but that will be removed manually by SSC after the fact.

23. Life Insurance – Minnesota Life • Child life coverage • $5,000, $10,000, or $15,000 coverage options • No health questions required • AD&D plans • Employee or Family coverage levels with options of $10,000 to $500,000 • No health questions required

24. Short Term Disability - MetLife • 14 day elimination period (can use sick and vacation during this time, if available) • 60% of salary up to $2,500 per week • No pre-existing conditions if you enroll during open enrollment (Nov 2013) • Covers for up to 11 weeks of medical disability

25. Long Term Disability - MetLife • 90 day elimination period (can use sick, vacation, or short term disability during this time) • 60% of salary up to $15,000 per month • 12 month delay on eligibility for pre-existing condition diagnosed within the previous 3 months of coverage • Previous coverage under KSU plans will count towards this pre-x delay period

26. Long Term Disability - MetLife • Premiums for LTD previously paid by KSU but BOR restrictions now prohibit • One time structural salary adjustment for covered plan members as of 10/1/13 to take effect 1/1/14 • Premiums will be after tax deductions so that benefits paid out will not be taxable

27. Medical Flexible Spending Account – US Bank • For employees enrolled in either HMO or in the Open Access POS • Pre-tax account to reimburse yourself for out of pocket expenses such as copays, deductibles, dental charges, & vision expenses • $2,500 annual maximum deduction • Services must be provided in calendar year 2014; “use it or lose it” • Current FSA elections to do roll over; must be elected each year

28. Health Savings Account – US Bank • For employees (under age 65) enrolled in the HSA POS HDHP • Pre-tax savings account which allows you to reimburse yourself for out of pocket expenses like an FSA • Annual limits are $3,300 for individual & $6,550 for family (inclusive of any employer match) • KSU pays dollar for dollar match up to $375 for individual & $750 for family (leaving $2,925 or $5,800 available for employees to contribute) • Account balance rolls over each year; deduction amount can be adjusted mid-year • Can transition from Credit Union of GA or leave in separate accounts • New vendor will allow for investing balances over $1,000

29. Limited Purpose FSA – US Bank • For employees enrolled in HSA POS HDHP • Up to $2,500 can be set aside for use in conjunction with the HSA plan • Specifically for reimbursement of vision and dental expenses; not medical • FSA rules apply • Must be elected annually • Must be for services within calendar year 2014 • Account balance does not roll over; use it or lose it

30. Dependent Care FSA – US Bank • Pre-tax deductions for reimbursement of dependent care expenses • $5,000 annual maximum • Services must be provided in calendar year 2014; “use it or lose it” • Current FSA elections to do roll over; must be elected each year

31. US Bank • Payment card for direct payment at the point of sale rather than seek reimbursement; anywhere that MasterCard is accepted • Initiate online reimbursements if expenses are paid out of pocket • Issue online bill pay directly to a provider • Mobile apps available • 90% of claims can be auto-substantiated

32. Sick Leave Pool • Enrollees must donate a minimum of 8 hours of sick time every other year. • Must have a minimum of 48 hours of sick time to enroll • Participation can bridge the gap to disability coverage or assist when someone does not have disability coverage • Paper enrollment form is linked at the bottom of the HR OE webpage; should be completed and faxed or scanned to HR.

33. Questions not answered today? Send an email to benefits@kennesaw.edu Check out the HR Open Enrollment website: https://web.kennesaw.edu/hr/content/2014-benefits-open-enrollment Watch the OE site for an update of Q&A that comes from these education sessions