Welcome to NEO A&M College

1. Welcome to NEO A&M College Benefits & New Hire Enrollment Presented by: NEO Human Resources Department

2. Topics • Retirement • Norse Pride • Annual Leave/Vacation/Sick Time • BCBS Health Plans • Flexible Spending Accounts • Premium Rates • Dental Insurance • Vision Insurance • Life Insurance • Long-Term Disability • Enrollment Forms • American Fidelity Supplemental Plans

3. NEO Retirement • Faculty & Staff are eligible to participate in Oklahoma Teachers Retirement (OTRS) provided you are a full-time employee. • After 5 years a retiree becomes vested under OTRS. • Retirement under OTRS at age 62 with 5 years of service or when age plus service equals 80 or 90. • Retirees should get estimate from OTRS at least 90-120 days prior to retirement.

4. NORSE PRIDE“Keeping the Tradition Alive” Should you wish to support a specific NEO department on campus, athletic program, etc you may elect to have a specific amount withheld from your paycheck on a recurring basis. The authorization for payroll deduction form may be obtained in the Human Resources office.

5. Administrative & Faculty Vacation

6. BlueCross BlueShieldHealth Insurance

7. Eligibility for BlueCross BlueShield • Employee Eligibility: 6-Month Regular Appointment at least 75% FTE • Health Benefits: Employee Only Coverage Employee/Spouse Coverage Employee/Child(ren) Coverage Family Coverage • Dependent Coverage: Coverage to age 26

8. NEO Health Plans • BlueOptions Features two Network Options • BlueEdge HDHP (HSA) • High Deductible Health Plan paired with a Health Savings Account through Benefit Wallet.

9. Helpful Terms • Network Group of Providers who agreed to discount charges • Deductible for Calendar Year Amount you pay before benefits are paid by Plan • Co-insurance Amount you pay after the deductible is met • Annual Maximum Out-of-Pocket Maximum amount you pay each calendar year before the Plan pays 100%

10. Helpful Terms • Portability Continuous coverage with another major medical plan (no more than a 63-day break) Pre-existing condition exclusion is waived • Pre-existing Condition Exclusion Treated, diagnosed, or medication prescribed six months prior to beginning coverage, BCBS excludes those conditions 12 months from initial enrollment

11. BlueOptionsHealth Insurance Plan

12. BlueOptions Network Information • Network Options BluePreferred Network BlueChoice Network • Provider Listings www.bcbsok.com/osu Call: 877-258-6781 • BlueOptions PPO Discounts Use any BluePreferred or BlueChoice Provider Freedom to go out-of-network

13. BlueOptions • $30 PCP/$50.00 Specialist office visit co-pay, in-network • $750 individual, $2,250 family deductible • 80/20 co-insurance BluePreferred Network • 70/30 co-insurance BlueChoice Network • $3,000 per person out-of-pocket max, after deductible, $3,500.00 per person, non-network. • No lifetime maximum on health benefits

14. BlueOptions • Receive a $250 credit towards BlueOptions deductible each year by completing assessment.

15. BlueOptions/BlueEdge • Enroll in Special Beginnings Maternity Program • Call BlueCross BlueShield to enroll • Enroll within first trimester • Condition Management Programs are available to all BCBS covered employees. Call BCBS Customer Service to inquire about programs that may be of assistance to you.

16. Pharmacy Coverage BlueOptions

17. BlueOptions Pharmacy Coverage • Generics $4 • $50 name Brand Drugs • $100 Non-Preferred • $150 Triessent Specialty • $200 Non-Triessent Specialty

18. Pharmacy Extras • No lifetime maximum for Pharmacy coverage • Pharmacy and medication lists are available at www.bcbsok.com/osu or call 877-258-6781 • Mail order available • BlueCard access available

19. BlueEdge Plan HDHP (HSA) • High Deductible Health Insurance Plan • Health Savings Account (HSA) through Benefit Wallet • If you certify you are tobacco free you will receive a $20.00 monthly credit off your premium • $80.46 per month will be placed into the HSA • Office Visit – No Co-Pay – Subject to the Calendar Year Deductible, Coinsurance and Out of Pocket Maximum. • $1,500 deductible for individual • $3,000 deductible for family • Out of Pocket Individual Maximum - $4,000.00 • Out of Pocket Family Maximum - $8,000.00 • Pharmacy – No co-pay – Subject to the Calendar Year Deductible, Coinsurance and Out of Pocket Maximum. 20% discount after you have met your deductible.

20. BlueCross BlueShield Information

21. BlueExtras and BlueRewards • BlueAccess for Members-www.bcbsok.com/osu • Personal Health Manager • Immediate access to healthcare information • Easy to use tools • Take health risk assessments • Set Doctor appointment reminders • Check status of claims • Obtain estimated costs for various medical procedures • 24/7 Nurseline

22. BCBS Helpful Information • Insurance ID Cards • Receive in 4-6 weeks • Mailed to home address • Print temporary cards at www.bcbsok.com/osu • Important phone numbers on card • BCBS Member Services • Pre-certification • Keep in your wallet for proof of insurance

23. BCBS Helpful Information • OSU BlueCross BlueShield Team • 877-258-6781 • www.bcbsok.com/osu • Need Additional Help - Contact the HR Department

24. BCBS Premiums • Please refer to your new hire materials received upon hire or contact the Human Resources Office for current health premiums.

25. Flexible Spending and Dependent Care Accounts

26. Flexible Spending & Dependent Care Accounts • Healthcare FSA • Out-of-pocket medical expenses, prescription drugs, deductibles, co-payments, dental, and vision for you and your eligible dependents • Pre-funded • Minimum Annual Goal of $300.00 up to $2,500 Current Max per IRS Regulations (Refer to IRS for updated max) • Dependent Care FSA • Daycare expenses for children under 13 • Not pre-funded • Maximum of $5,000 per tax year for reimbursement of dependent care expenses ($2,500 if you are married and file a separate return – Per IRS Regulations – Refer to IRS for updated max)

27. OMES: EGID - OSEEGIB Dental and Vision Eligibility

28. State Insurance Board Dental and Vision Insurance • Dependent Coverage • Member must be covered before dependents are covered • Dependents enrolled in same plan as member • Cover dependents until age 26 • Spouse Exclusion • Dental coverage only • Vision coverage requires spouse to have other group coverage • Signature is required on enrollment form

29. OMES: EGID - OSEEGIB Dental Insurance

30. Dental Plan Options • Dental Plans • HealthChoice(Has the most providers) • Assurance Freedom Preferred • Assurant Heritage Plus with SBA (Prepaid) • Assurant Heritage Secure (Prepaid) • CIGNA Dental Care Plan (Prepaid) • Delta Dental PPO • Delta Dental Premier • Delta Dental PPO Choice • Provider listings at sib.ok.gov

31. Dental Coverage • Dental Coverage • HealthChoice • Has the most providers • $2,000 Calendar Calendar Year Maximum • No Lifetime Maximum for Orthodontia • Pays 50% • 12 month waiting if not covered by another group dental plan prior to enrolling • Dental Plans Cover Two cleanings and a set of X-rays per year - Check your Employee Benefit Options Guide or Online

32. HealthChoice Dental Premiums • Refer to current rate guide for most up-to-date premiums. The rate guide can be found on the web http://www.ok.gov/sib/Member/Handbooks/index.html • Remember • Current Premiums in Option Guide • Cover yourself to cover dependents • Cover one dependent, cover all dependents

33. OMES: EGID (OSEEGIB) Vision Insurance

34. Vision Plan Options • Vision Plans • Vision Service Plan (VSP) • Primary Vision Care Services • Superior Vision Plan • United Healthcare Vision • Humana/Comp Benefits Vision Care Plan • Primary Vision Care

35. Vision Coverage • Vision Service Plan (VSP) • Has the most providers • No ID Card • Calendar Year Benefits Include • Exam, $10 co-pay • Prescription Glasses, $25 co-pay • Lenses and/or frames covered up to $120 each year • 20% discount on remaining balance • Contact lens covered up to $120 each year, no co-pay • Mail order available • Check your Employee Benefit Options Guide for further details and updated info.

36. Vision Service Plan Premiums (VSP) • Please contact the Personnel Office should you need a copy of the current monthly premiums for VSP or any other Vision plans.

37. Life Insurance (Voya)

38. VoyaEmployee Benefits • NEO Employee Coverage • Provided by VoyaEmployee Benefits/Reliastar • NEO pays the monthly life premium as a benefit up to two times your annualized salary • With $200,000 maximum • Benefits reduce at age 65 • Accidental Death and Dismemberment • Safe Driver Benefit – 10% • Safe Driver Benefit with Airbags – 15% Updated each December 31

39. VoyaEmployee Benefits • NEO Employee Coverage • Provided by VoyaEmployee Benefits/Reliastar • Opportunity to purchase up to two-times annualized salary • 5,000 increments • Not to exceed $250,000 • With Proof of Good Health • Employee may increase up to five times annualized salary, not to exceed $750,000 • Portability - If you leave NEO you may keep your Supplemental Life. However premiums would be paid by the employee and premiums are not tax sheltered.

40. VoyaEmployee Benefits Supplemental Life • Voluntary enrollment • Employee • Spouse • Dependent(s) • Premiums paid by employee • Premiums not tax sheltered

41. VoyaEmployee Benefits Supplemental Life • New Employee Enrollment • Spouse guaranteed issue within first 30 days of hire • Opportunity to purchase up to one-times employee annualized salary • $5,000 increments • Not to exceed $125,000 • With Proof of Good Health • Employee may increase spouse life, not to exceed 50% of employees combined amounts, up to $375,000 • Cannot cover spouse if spouse is an NEO employee Premiums are paid be employee – Premiums are not tax sheltered

42. VoyaEmployee Spouse Supplemental Rates

43. VoyaChild(ren) Supplemental Rates If you and your spouse are employed by NEO, only one parent can cover child(ren)

44. Beneficiaries • Primary Beneficiary • First in line • Share equally • Person/Corporation/Charitable Institution • Contingent • Collect in Primary Predeceases • Keep Beneficiary Information Current • Contact NEO Human Resources to Update

45. American Fidelity Assurance (AFA) Long-Term Disability

46. Long-Term Disability • Long-Term Disability • Salary Protection Program • 30 days to enroll • NEO pays premium 100% • Pre-existing condition clause • LTD Process • First 180 days, Elimination • Next 6 months, Own Occupation • After 12 months, Any Occupation • See your AFA LTD Certificate for more details Example for 60% LTD Cost paid by NEO: $29,000/12=$2,417/100=$24.17 x .49 = $12.56 per month

47. Long-Term Disability • Your Plan Pays A Monthly Disability Benefit • 60% of you Monthly Compensation not to exceed: (1) a maximum Monthly Disability Benefit of $3,600.00; (b) a maximum covered Monthly Compensation of $6,000.00; and (3) the amount for which premium is being paid. If applicable, your Disability Benefit will be reduced by Deductible Sources of Income.

48. Long-Term Disability • Less Income From Other Sources • AFA will ask you to apply for: • Social Security Disability • Oklahoma Teachers’ Retirement Disability • Workers’ Compensation • Unemployment Compensation • AFA will calculate your salary guarantee Example of 60% LTD pay out: AFA salary guarantee: SS = $600.00 OTR = $950.00 ____________________ $1,550.00 AFA will pay $100 minimum benefit

49. American Fidelity Assurance (AFA) *Cancer Protection**Accident Only Insurance Plan**AF Term Life Insurance**Short Term Disability**AF Critical Choice*

50. Cancer Protection • Offers financial help for out-of-pocket expenses • Annual Screenings • Travel and Lodging • Loss of Income • Child care expenses • Limitations, exclusions, and waiting periods apply • Employee pays premiums • Answer medical questions One-on-one appointment contact: Diane Czachowski 800-365-2782 ext. 405