2013 - 2014EHA Early Retiree Plan Benefit Options

1. 2013 - 2014EHAEarly Retiree Plan Benefit Options

2. INTRODUCTIONS Greg Long – EHA Field Representative Kent Trelford-Thompson – BCBSNE Account Executive Bobbi Hannigan – Union Bank

3. AGENDA • Plan & Rate Renewal • Benefit Changes • $750 PPO Plan • $1,650 PPO Plan • $3,100 High Deductible Health Plan • Health Savings Accounts • How to Enroll

4. 2013-2014 EHA Rate Renewal • The Medical rates for all Early Retiree categories will increase by 9.44%. • The Dental rates for all participants will increase by 5.94%.

5. 2013/14 Plan Rates/Early Retirees

6. Early Retiree Rate Comparison

7. 2013-2014 Benefit Changes Deductibles • The $600 Deductible Plan will become a $750 Deductible Plan. • The Dual Option $1,500 Deductible Plan will become a $1,650 Deductible Plan. • The Dual Option $2,850 Deductible Plan will become a $3,100 Deductible Plan. • Out‐of‐Network deductibles will be adjusted to retain the current relationships to in-network amounts.

8. 2013-14 Benefit Changes Coinsurance Out‐of‐Pocket Maximums • The maximum on the $750 Deductible Plan will increase to $2,250 employee and $4,500 family. • The maximum on the Dual Option $1,650 Deductible Plan will increase to $3,250 employee and $6,500 family. • There is no in‐network coinsurance on the Dual Option $3,100 Deductible Plan. • Out‐of‐Network coinsurance maximums will be adjusted to retain the current relationships

9. 2013-14 Benefit Changes Copays a. The current $35 primary physician copay will decrease to $30. b. The current $35 specialty physician copay will increase to $50. c. The current $35 urgent care physician copay will increase to $50. d. There will be a new $75 copay on emergency room visits. e. On the Dual Option $1,650 Plan, the current $50 physician copay will be changed to copays of $45, $65, $65 and $90 for primary physician, specialty physician, urgent care and emergency room, respectively. f. There will continue to be no copays on the $3,100 HSA eligible Plan.

10. $750 PPO Plan Option Deductible: $750 Employee Only or $1,500 Family Coinsurance 80% / 20%: $2,250 Employee Only or $4,500 Family Office Visit Copay: $30, $50, $50, $75 Routine Care Benefit: Expanded Benefits due to PPACA. Pharmacy Benefit: Generic 25% Coinsurance ($5 Min $25 Max) Formulary Brand 25% Coinsurance ($30 Min $60 Max) Non-Formulary Brand 50% Coinsurance (60 Min $90 Max)

11. $1650 PPO Plan Option Deductible: $1,650 Employee Only or $3,300Family Coinsurance 70% / 30%: $3,250 Employee Only or $6,500 Family Office Visit Copay: $45, $60, $60, $90 Routine Care Benefit: Expanded Benefits due to PPACA. Pharmacy Benefit: Generic 30% Coinsurance ($7 Min $30 Max) Formulary Brand 30% Coinsurance ($35 Min $70 Max) Non-Formulary Brand 50% Coinsurance (60 Min $90 Max)

12. High Deductible Health Plans What they are: PPO and Rx plan that meets specific Federal requirements Consumer Driven Health Insurance Advantages 1. Lower Premiums 2. Coverage for serious illness or injury 3. Earnings and Investments 4. 100% coverage 5. Put up to 100% of your deductible in an HSA.

13. $3,100 HDHP/HSA Deductible: $3,100 Employee Only or $6,200 Family Coinsurance 100% / 0% $0 employee only or $0 Family . Office Visit Copay: Applies to Deductible Routine Care Benefit: Expanded Benefits due to PPACA. Pharmacy Benefit: Applies to deductible. NOTE: Any coverage other than Employee Only the entire family deductible must be reached prior to benefits being paid at 100%.

14. Maximum Plan Out of Pocket $750 PPO option: $3,000 Single/$6,000 Family $1,650 PPO option: $4,900 Single/$9,800 Family $3,100 HDHP: $3,100 Single/$6,200 Family *All PPO plans have an additional Rx maximum copay of $2,500 Single/$5,000 Family ($3,100 HDHP Rx max is included in the deductible)

15. Plan Benefit Comparison

16. Example of Out-of-Pocket Cost

17. Health Savings Accounts Bobbi Hannigan, Health Savings Account Coordinator Union Bank & Trust

18. How to Enroll By Mid-July, eligible participants will receive information from BCBSNE: Call 402-458-4800 or 1-800-562-6394. Submit the Application by August 5 to ensure coverage for September 1. If changing to the HDHP/$1,500 PPO on January 1st, must have the application completed by December 2, 2013.

19. Key Points to keep in Mind Once you move to a higher deductible, you cannot move back to a lower deductible option Enrollment for the HDHP can be either September 1 or January 1. Annual Membership Dues are for September 1- August 31. No additional dues are charged for changes Members receive tax reduction of between 15%-35% depending on their status

20. Key Points to Remember • If you move to one of the higher deductible plans, you must stay on that option for 3 years or until you reach the age of 65. • HSA Accounts provide Triple Tax Savings • Application Deadlines: For September 1, August 5, 2013 For January 1, December 2, 2013 • EHA Customer Service- 1-877-721-2583 • Other questions you can call:

21. Contact Information Greg Long – EHA Field Representative greg@ehaplan.org (402) 440-1358 (Kent Trelford-Thompson Account Executive BCBSNE Kent.trelford-thomps@nebraskablue.com (402) 458-4810

22. Questions? Thank you!