Janice L. Wavra Corporate Benefits Specialist

1. WCA Group Health Insurance PlanHealth Reimbursement Arrangement Plan (HRA)March 4th and March 6th, 2014 • Janice L. Wavra • Corporate Benefits Specialist

2. Agenda • The Insurance Center • Group Health Insurance Plan • Understanding your Explanation of Benefits (EOB) • Health Reimbursement Arrangement Plan (HRA) • How to File HRA Claims • Cost Savings Ideas • Recap & Questions

3. The Insurance Center • Locally Owned, Established in 1960 • Located 701 Sand Lake Road, Onalaska, WI • Service Team • Janice L. Wavra (22 years) • Kim Ness (19 years) • Nancy Silbaugh (28 years) • Kari Steele (11 years) • Stacey Sila (16 years)

4. WCA Group Health Trust Health Insurance Plan ** Any portion of the current deductible met from January 1, 2013-August 31, 2013 will apply to the new plan’s deductible on September 1, 2013 and run through June 30, 2014.

5. Explanation of Benefits “EOB” Patient Network

6. 90% Coin surance “EOB” Continued B C A A minus B minus C = Coinsurance Maximum HRA Benefit: $250 Single ~ $500 Family

7. Health Reimbursement Arrangement Plan “HRA” The HRA plan is 100% funded and paid by the District so there is no additional cost to you and your family. • Single Coverage: The HRA plan will reimburse up to the maximum of $250 in coinsurance expenses. • Family Coverage: The HRA plan will reimburse up to the maximum of $500 in coinsurance expenses. • In order to be eligible for the HRA plan, you must be enrolled in the District’s group health plan with WCA Group Health Trust. • The plan year runs September 1, 2013 through June 30, 2014.

8. What is My Maximum Out-of-Pocket Exposure? ** Plan year September 1, 2013 and through June 30, 2014

9. How Does the HRA Plan Work for In-Network Providers? Note: Copays for Office Visits, Chiropractors, Emergency Room, and Prescriptions do NOT apply to the Deductible, Co-Insurance, or Maximum Out-of-Pocket.

10. How to Use the HRA Plan Your health care provider submits the claim to WCA. When receiving a service, you must present your WCA ID Card to your health care provider. You must submit your HRA claim for reimbursement to EBC by completing an EBC HRA Claim Form and attaching a copy of the EOB from WCA. WCA reviews and processes the claim and provides you with the Explanation of Benefits (EOB).

11. How to File Your HRA Claims to EBC • Fax 608-831-4790 • Email participantservices@ebcflex.com • Online www.ebcflex.com • Mail Employee Benefit Corporation PO Box 44347 Madison, WI 53744-4347 • Phone Support 800-346-2126 or 608-831-8445 M-F 8:00-5:00 Central

12. EBC’S HRA Claim Form Name Name Email Employer Code “H”

13. EBC’S HRA Claim Form Continued

14. Preventive Care Services 100% Coverage for: • Preventive Care Exams • Well-Child Care • Well-Woman Gynecological Exams • Mammograms • Adult and Child Immunizations • Hearing Exam (1 per calendar year) • Vision Exam (1 per calendar year)

15. Cost Savings Ideas • Preventive Care Services • Utilize In-Network Providers • Health Care Access • Neighborhood Family Clinic • ChiroMed, LLC • Nurses Help Line • $4 Script Programs

16. WCA Group Health TrustIn-Network Providers Website: www.umr.com • Click on: “Find A Provider” • Then, “Medical”, “Medical Provider Search”, Select “U” • Select a Plan “United Healthcare Option” • Click on, “Medical, click here to access the UHC Provider Search Application” • Select State, City, Physician, or Facility

17. Health Care Access

18. Urgent Care vs Emergency Room Average Urgent Care Visit $185 Average Emergency Room Visit $800 Gundersen Lutheran **1900 South Avenue, La Crosse, M-F: 7am – 9pm, Sat-Sun: 9am – 7pm 3111 Gundersen Drive, Onalaska, M-F: 7am – 9pm, Sat-Sun: 9am – 5pm Franciscan Skemp ** West Ave & Market, La Crosse, Daily: 6am – Midnight 191 Theater Road, Onalaska, M-F: 5pm – 9pm, Sat-Sun: 9am – 5pm 1303 Main, Holmen, M-Thur: 7am – 7pm, Fri: 7am – 5pm Winona Health M-Thur: 8am – 8pm, Fri-Sun: 8am – 5pm ** Note: All services at this location are billed as emergency room.

19. Recap & Questions