Open Enrollment Employee Benefits Presentation for The King’s Academy Presented by

1. Open Enrollment Employee Benefits Presentation for The King’s Academy Presented by

2. BenefitEdge Insurance Services, Inc. (888) 995-EDGE (3343) (408) 995-EDGE (3343) www.benefitedge.net Lic#0F37564

3. Who is BenefitEdge Insurance? We are the Employee Benefits Broker for your Medical, Dental, Vision, & Life Insurance Plans We will work in support of your HR team in resolving any benefit related issues throughout the year

4. Servicing Reminder for 2010 Website Address: www.tkabenefits.com Email: tka@benefitedge.net

5. 2010 Benefit Enhancements • Keeping the same medical, dental carriers and plans • Contributions are only going up slightly • HSA funding will remain • Voluntary vision insurance plan

6. Medical Insurance This is open enrollment and your opportunity to make changes to your plans Any requested changes after open enrollment will require a “qualifying event”. Any changes will take effect on October 1, 2010.

7. Medical Insurance There are currently medical insurance plan options provided through two different insurance carriers – Kaiser Permanente & Blue Shield of California

8. Medical Insurance - HMO Kaiser plan, you have to use their facilities Blue Shield - You must use a primary care physician (PCP) for each of your family members Your PCP will provide all of your routine care and with a few exceptions, must provide a referral in order for you to receive care from a specialist

10. Medical Insurance - PPO • Blue Shield – With the PPO plan you can see any doctor of your choice and will save money using a contracted provider • You have access to a larger network of doctors and also allows you to use non-contract physicians at a reduced coverage level • You do not need a referral to use a specialist. You may “self direct” your care as needed

12. Health Savings Account (H.S.A.) What is an H.S.A? Health Savings Accounts are tax-exempt accounts where funds grow to pay for medical expenses. They were created to help give control back to consumers and lower healthcare costs.

13. Health Savings Account (H.S.A.) 2 Parts A High Deductible, IRS Approved Health Plan A Health Savings Account (Bank Account) Intended to cover serious illness or injury once the deductible has been met. Used to cover all IRS approved medical expenses until the deductible is met.

14. Part 1

15. Part 2 Health Savings Account (H.S.A.) • Funds are deposited into your account • Funds deposited and not used remain in your account and they roll over every year • Your HSA funds can be used for any medically necessary expenses per IRS rules.

16. Part 2 • Health Savings Account (H.S.A.) • Who is Eligible? • Members covered by an HSA-compatible, IRS approved plan • Who is Not Eligible? • Anyone enrolled in Medicare or 65 or older

17. Part 2 APPENDIX: SAMPLE OF HSA QUALIFIED EXPENSES (Short List) Source: IRS Code Sec 213(d) Publication 502 (WWW.IRS.GOV) Acupuncture Chiropractic Blood tests Blood transfusions Contact Lenses Dental, Dental X-rays, Dentures Drugs (prescription)  Eyeglasses Gum treatment ***Also pays for COBRA, long term care and Medicare part B & D premiums. Hearing aids Hospital bills Insulin Lab tests Optician Optometrist Oral surgery Prenatal care Psychotherapy Vaccines Vitamins (if prescribed) X-rays

18. Part 2 Accessing Funds • Signature Based Debit Visa Card • Received 2-3 weeks after account set up • Online Access • Register for the site with SS#, Debit Card #, Zip Code • Track deposits, balances, and payments

19. Part 2 Health Savings Account Limits

20. Part 2 TKA Contribution Annually

21. Part 2 • HSA Comparison • Items for Consideration before making a change: • Your monthly contributions from your paycheck • Amount you typically spend out of pocket on your medical expenses per year • Medical plan deductibles • Medical plan out-of-pocket maximums

22. HSA vs. HMO – Example 1 – Employee Only Coverage

23. HSA vs. HMO – Example 2 – Employee + Spouse Coverage

24. HSA vs. HMO – Example 3 – Employee Only Coverage

25. HSA vs. HMO – Example 4 – Employee + Children

26. HSA vs. PPO – Example 5 – Employee + Spouse

27. HSA vs. PPO – Example 6 – Employee + Family

28. Dental Insurance – Guardian • Guardian Dental PPO • $50 deductible which is waived for preventive care. • Calendar year maximum out-of-pocket is $1,500 In Network and $1,000 Out -of-network. • Preventive services are covered at 100% • Rollover Benefit – 2011 calendar year

29. Dental Insurance – Guardian • Preventive Advantage - Reminder • Members can access preventive care without having the benefit deducted from their annual maximum. • The entire annual maximum amount is preserved for other dental needs • Examples of preventive items - Oral exams, cleanings, x-rays, fluoride treatments

30. * UCR (Usual, Customary, Reasonable)

31. DHMO Option

32. Vision Discount Plan

33. NEW Voluntary Vision Insurance – Guardian VSP

34. Basic Life Insurance Plan

35. Colonial Voluntary Products

36. Additional Benefits

37. Employee Resource Online System • Personal Benefits Portal • Access to all of your plan and benefit information at any time • View benefit summaries, carrier information and websites, & contributions

38. Employee Resource Online System • STEP 1 • Click on the link provided in the email from the HR Department • Enter your Username = first initial and last name (no spaces/no hyphens, up to 10 characters) • Enter your Password = last four digits of your social security number or the password you previously setup • Review your personal information on the My Family page. It is important to review all of your personal information • to ensure accuracy

39. Steps • Click the Make Changes link to update your personal info. You can also change your password in this area. • Click here to add your spouse. • Click here to add your dependents.

40. STEP 2 Enroll in your benefits If your enrollments have not been previously set up in the system, you can make your selections by following the instructions below: Click a link under the Benefits menu to review a particular category of benefits. In each benefit block, make a selection from your list of Manage Benefit options and click Go.

41. STEP 3 Change existing benefits Your current elections will appear in a similar fashion as shown in the picture below. To make a change, select an option from the list in the Manage Benefit section and click Change. Click here to select a Manage Benefits option, then click Go. The system will guide you through the process of making changes to your elections.

42. STEP 4 Finalize your changes, then approve them You can review your changes during the log out process

43. Making Your Enrollment Changes • All enrollment changes will be made using the BeneTrac system • Changes must be made between September 6th – 15th • All Employees must log in and confirm their personal information and elections for 2010-2011

44. Thank you for your time. Please make sure to make your changes online between September 6th - 15th We look forward to serving you and helping with any benefit related issues. Please don’t hesitate to call.

45. Frequently Asked Questions: • How long will it take to receive my cards? It will take 2-3 weeks • What if I need to see a Doctor? If you need to see a Doctor before you receive your member cards, you may have your doctor contact our office to verify coverage. Also, the temporary card will suffice until the permanent one arrives. • What if I need a prescription? Try to refill prescription prior to September 30th if you are changing plans or carriers. If you need a prescription before you receive your member cards, you may need to pay the cost of the prescription and then do one of the following; • If you receive your member card with 1-2 weeks of purchasing the prescription, most pharmacies will allow you to present your member card and they will provide you with a refund. • If the pharmacy will not refund your cost, you can submit a claim directly to the insurance carrier. We will provide you with the claim form and assist you.