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October 1, 2010 - September 30, 2011

Benefit Year 2011. How to Choose the Right Benefits for You and Your Family. October 1, 2010 - September 30, 2011. Maximum Out of Pocket Expense $2,500/individual and $5,000/family. 100% Preventive Care Coverage. Which Plan Will Work Best For Me. Value. Plus. Lower Payroll Deduction

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October 1, 2010 - September 30, 2011

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  1. Benefit Year 2011 How to Choose the Right Benefits for You and Your Family October 1, 2010 - September 30, 2011

  2. Maximum Out of Pocket Expense $2,500/individual and $5,000/family 100% Preventive Care Coverage Which Plan Will Work Best For Me Value Plus • Lower Payroll Deduction • Moderate Deductible • Co-insurance on major services • Higher Payroll Deduction • Lower Deductible • Copays on most services

  3. Which Plan Will Work Best For Me

  4. Which Plan Will Work Best For Me

  5. How Else Can I Save With My Plan • Prescriptions • Generics • Mail Order • Retail Specials • Adherence • Right Care - Right Place • Care On Call • UCC vs. ER • Network Providers • Prevention • Annual Check Up • Mammogram • Colonoscopy • Wellness

  6. Change: National Health Care Reform Bill – dependent children can be on your plan up to age 26 years.

  7. MyHealth I.Q. Health Risk AssessmentandTelephonic Lifestyle Management Coaching Healthways www.healthways.com

  8. Prevention and Wellness Programs Start by saving money! Annually complete the MyHealth I.Q. Health Risk Assessment on-line or telephonically Receive $120 discount per year off your health insurance premium by completing the HRA by August 31st. Receive $110 discount per year off your health insurance premium by completing the HRA by September 30th. Looking for a way to feel better and improve your health? After you complete the Health Risk Assessment, if you have health risks, you could be eligible for the Telephonic Lifestyle Management Coaching Program. www.healthways.com

  9. Health Risk Assessment – How to get started? Know your HEALTH NUMBERS! Obtain them from you doctor or attend a Free on-site health screening. Dates and locations for screenings are available at www.optimahealth.com/norf Log on to: https://www.myhealthiq.com/ Enter User Name and Password provided to you in welcome email. You will be prompted to change your User Name and Password during registration if you are a first time visitor to the site. Returning visitors: Input the User Name/Password you established during the initial registration. Click Log In and begin the survey. You can take the survey telephonically if desired. www.healthways.com

  10. Health Risk Assessment – Important Logistics Health Risk Assessment is a confidential benefit operated by Healthways. To earn your premium discount you must complete this survey annually. If you need an additional copy of your welcome email (including your User Name/Password) or don’t have access to the internet, please contact Healthways customer support at 1-866-449-9705. www.healthways.com

  11. Health Risk Assessment: What to Expect? After completing authorization and registration process, you will begin the survey. Assessment will include questions regarding: Demographics Health history Current conditions Lifestyles Preventive care Emotional health Weight Management Nutrition Physical Activity Tobacco Etc. After completing the HRA, you will have access to additional programs within the myhealthIQ site. www.healthways.com

  12. Lifestyle Management – Telephonic Coaching What to expect next: If risks are identified through the Health Risk Assessment you may receive a phone call from one of the Healthways Lifestyle Management Coaches. Program is confidential, free and voluntary. Risks addressed will include physical inactivity, weight management, tobacco cessation, nutrition, hypertension, high cholesterol, etc. Coaches are trained in behavior change and are from backgrounds including nursing, exercise science, nutrition and health education. Two levels of programs are offered - 6 month and 12 month programs. www.healthways.com

  13. Optima Health and Norfolk are offering this new program designed to • Improve health for employees with specific health conditions • Asthma • Coronary Artery Disease • Congestive Heart Failure • Diabetes • Partners in Pregnancy • Reduce medical costs through employee participation in health management programs

  14. Employees can earn up to $560 in a Wellness Plan to help pay for your health care expenses. • This program does not replace your doctor or your wellness coach – it adds another resource to help you. • More details will come out before October 1st and will be posted on your benefits site at www.optimahealth.com/norf

  15. Dominion Dental – Select Plan Option • Select Plan (Same as a DHMO) • Great Value, Fixed Copayments, Lower Premium • Must use participating dentist • Comprehensive benefits • No pre-existing condition exclusions, waiting periods, deductibles, or maximum dollar limits • Least expensive premium • No pre-authorization forms, claim forms, or related paperwork • Important Tip • The Select Plan is the right choice if you: • Need extensive dental work that would exceed the Access PPO maximum • of $1000 or $1500 • Need adult orthodontia – other plans do not have this covered • Are willing to work in a smaller network to minimize your costs

  16. Dominion Dental – PPO Plan Option • Access PPO Plans • Maximum Access, Convenience and Flexibility • Larger provider network • Flexibility to use any dentist (Access PPO) • Lower out-of-pocket costs when using a network dentist • Participating dentists will accept benefit assignment • Important Tip • The Access PPO is the right choice if you: • Want the flexibility to see ANY dentist • Want your child to be able to use a pedodontist for services • Use a dentist or specialist who does not participate with the Select plan

  17. Dominion Dental Plan Co-pays

  18. The Importance of Preventive Dental Care Dominion’s plans emphasize prevention and early detection of dental problems and can help you diagnose medical problems before they become serious and expensive. Routine dental checkups can discover oral cancer, heart disease, diabetes, respiratory ailments, skin diseases, thyroid problems and leukemia.1,2 Nearly 75% of American adults suffer from various forms of periodontal (gum) disease and don’t know it.1 Over 20 million workdays are lost each year due to dental illness.3 The death rate for oral cancer is higher than that of cervical cancer, Hodgkin’s lymphoma, thyroid cancer and skin cancer.3 Tooth decay is the single most chronic childhood disease - five times more common than asthma and seven times more common than hay fever.4 1  Gustin, K.M. (2006, Dec.). Discussing dental. National Provisioner. 220(12). 26-29.2  According to the American Dental Hygienists' Association (2008).3  Source: National Association of Dental Plans (NADP). 4 Oral Health in America: A Report of the Surgeon General (September 2000).

  19. Dominion Dental - Monthly Premium Rates

  20. Flexible Spending Accounts (FSA) Save on Health and Dependent Care • Use pre-tax dollars for every day expenses for yourself, spouse, qualifying child, or qualifying relative. • Cover health care needs, dependent care, or both • For further explanation on who is considered to be a qualified dependent, please visit the Wage Works website at www.wageworks.com. • You do not have to be enrolled in a City of Norfolk medical plan to enroll. • Employees who are already enrolled in an FSA account through their spouse’s employer can still enroll. However, it is solely the participant’s responsibility to follow IRS regulations and guidelines.

  21. Health Care Expense… It’s Covered! • The Health Care FSA covers your out of pocket responsibility (co-payments, co-insurance, and deductibles) on the following eligible health care expenses and more: • Prescriptions for almost any medical condition • Over-the-counter health care products like aspirin, allergy medicine, antacid, antibiotics, band-aids & etc. (over-the-counter medication is covered until December 31, 2010) • Dental care, both preventive and restorative • Orthodontia, child and adult • Vision care, eyeglasses, contact lenses, solutions • Eye surgery, including laser vision correction • Counseling and therapy • Psychology and psychiatry • Chiropractic care and acupuncture

  22. Dependent Care Expense… It’s Covered! • The Dependent Care FSA covers your out of pocket costs for the following eligible dependent care expenses and more: • Before- and after-school programs • Day care and nursery schools • Pre-school programs • Elder care services • Visit www.wageworks.com for more information

  23. Must Enroll Annually in an FSA Account • Enroll during the designated Open Enrollment Period • $4,000 is the Maximum Plan Year Election for Health Care Account (Min is $120) • $5,000 is the Maximum Plan Year Election for Dependent Care Account (Min is $120) • Health Care and Dependent Care claims incurred from10/1/10 through 9/30/11must be submitted to WageWorks for processing by12/31/2011. • Determine your annual election amount carefully asany funds left in the plan after the 12/31/11claims filing deadline, will be forfeited(“use it or lose it”).

  24. Our Beliefs About DisabilityAre You at Risk? • Each year, more than one in ten U.S. adults suffers a long-term disability. [U.S. Census Bureau, 2004] • A disabling injury occurs every 1.3 seconds ― on and off the job. • That’s over 63,000 every day, more than 23 Million every year. [National Safety Council, Injury Facts 2005-2006 Edition] • Almost 3 in 10 of today's 20 year-olds will become disabled before age 67. [Social Security Administration, Social Security Fact Sheet, July 2006] • Once someone has been disabled for 90 days, the average length of their disability is two years. [Commissioners Group Disability Basic Table, Society of Actuaries, 1987] People insure — Their possessions • Houses • Cars Their lives • Income protection for their survivors Their health But they don't think about insuring or protecting their income. "Optimism Bias" can keep people from believing they could suffer a disability — “It can’t happen to me.”

  25. The Causes of Disability How Disability Insurance Helps Employees • Safeguard lifestyle • Protect loved ones • Peace of mind Employers • Retention/recruiting tool • Good will — when employees understand the benefit, they appreciate the “safety net” • Plan provisions (like Return to Work) can help your valuable employees get back to a more productive and rewarding life Disability can be caused by an accident, but … Most disabilities are caused by common illnesses. Major causes include: • Heart disease • Back problems • Diabetes • Depression

  26. Prepare for a Secure Future • If you become sick or injured outside of work, • We have a plan for you. • First: Accumulated leave – receive 100% of your earnings • Second: Short Term Disability Program - Sick Leave Bank – receive 100% of your earnings • Third: Long Term Disability Insurance – The Standard Insurance – receive 67% of your earnings

  27. Norfolk Sick Leave Bank • To become a participant you must: • Enroll within the first 30 days of employment with the City, or • Have at least ten (10) days of Sick Leave saved to enroll during open enrollment. • Policy and Procedures: • Applications for “withdrawal” from the Bank should be submitted as soon as you know that you will be on an extended absence from work for a non-occupational medical condition. • You must be absent from work for at least thirty (30) workdays AND exhaust all accrued leave before becoming eligible to withdraw from the Sick Leave Bank. • You must maintain contact with your department and the HR Sick Leave Bank Coordinator and submit updated documents in order to maintain eligibility. • The maximum amount you can withdraw from the Sick Leave Bank is 100 days per disability or per 12 month period. Once your total “lifetime” withdrawal reaches 250 days you are no longer eligible to participate. • The Sick Leave Bank Policy is detailed in the Administrative Policies Manual on the HR intranet. http://intranet/hr/Policies/admin/admin_policies.pdf

  28. Long Term Disability (LTD) Insurance • LTD insurance kicks in 90 days from the time of the event • You will receive 67% of your earnings after all other forms of leave has been exhausted. • Benefit payments are offset by other sources of income you eligible for (i.e. Worker’s Compensation and Social Security) • LTD payments will not be less than $100 or more than $10,000 per month • Benefit payments are not subject to Federal or State income taxes. • Eligible to receive benefits until age 65if disability occurs before age 62. If disability occurs at age 62 or older, benefits duration is based on the age when disability occurred.

  29. Bon Secours Employee Assistance Program (EAP) What?Short-term and confidential problem-solving for employees and their immediate family membersWhere?Conveniently located throughout the Hampton Roads areaWhen?Appointments are available throughout the day and evenings by calling our main office Monday-Friday from 8am-5pm Why? The EAP can help with a broad range of issues that include but are not limited to depression, job stress, marital issues, substance abuse and financial concerns Who? Bon Secours EAP counselors are trained professionals who specialize in a wide range of personal and job issues Call (757)398-2374 or visit us on the web: www.eap-hamptonroads.org

  30. OTHER BENEFITS INCLUDE: • “Once a member, always a member.” • Insured up to $250,000by the National Credit Union Administration (NCUA), an agency of the Federal Government. • Check out our web site at www.norfolkcu.org or call us at (757) 664-4273 for more information. • Visit us on the 1st floor of the City Hall Building to become a member-owner of your credit union. • WHAT IS A CREDIT UNION? • A not‐for‐profit financial institution owned by its members. • In a bank, profits go to outside shareholders. In a credit union, net profits are returned to the members. • Members benefit by: Earning higher dividends (interest) on savings. • Getting lower rates on loans. • Access to no‐fee or low‐fee products. In Short: A cheaper bank with nicer people, great savings and loan rates and personal service.

  31. BY2011 E-Benefits Information • For further information, visit: www.optimahealth.com/norf • Receive a Benefits CD upon request

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