Benefits Open Enrollment November 1-30, 2012

1. Benefits Open EnrollmentNovember 1-30, 2012

2. Presentation Overview • UPlan Benefit Changes for 2013 • Open Enrollment Basics • Open Enrollment Assistance • Common Questions

3. UPlan Benefit Changes for 2013

4. No Copays on Select Medications in 2013 • Generic Plus contraceptives • Formulary and non-formulary contraceptives—one copay for 90 day supply • Certain preventative prescription medications • Breast cancer • Fluoride supplements • Tobacco cessation • Certain over-the-counter medications with a prescription • 81mg aspirins • Folic acid supplements • Tobacco cessation medications • Iron • Vitamin D supplements

5. No Copays on Select Medical Services in 2013 • Lactation counseling and supplies, such as breast pumps • Counseling • HIV • Sexually transmitted diseases • Domestic violence • Personal violence

6. Reduced Costs of Emergency Services • Out-of-network Emergency Services now coveredat the higher in-network benefits • Emergency ambulance • Emergency room visits • Emergency hospital admissions • Urgent care

7. New Offering: Consult A Doctor 24/7 • 24/7 phone or online advice from physicians for medical non-emergencies • Copay is $10 • To register: • Call a Medica care coordinator at 1-855-993-7633, or • Visit www.medica.com/consultadoctor and click on “Activate Account”

8. What will UPlan Members pay for Medical and Dental Coverage in 2013? • Standard employee contributions for medical coverage will increase by 5.3% — lower than many other medical plan increases in the market. • Qualified Wellness Points Bank participants will pay less than they did in 2012. • No change to dental rates.

9. Help for Lower-Paid Employees to Pay Medical Coverage Premiums • Medical premium relief program extended through June 2013. • Credit based on plan selected and household income. • Credits range from $100-$225 • Pro-rated credit appears in each paycheck through June 2013. • Current participants do not need to re-apply if coverage status is the same. • New applications are being accepted through the December 17, 2012 deadline.

10. 2013 Wellness Points Bank Enhancements • Longer program year (October 1, 2012—August 31, 2013) • Increased points values for some activities • Fit Choices now worth 75 points • Bike Commuter program now worth 75 points • Medical Condition Management now worth 200 points • New Wellness My Way option

11. 2013 Flexible Spending Account Changes • Maximum reduced from $5,000 to $2,500 per employee for health care accounts • ADP Benefit Solutions is new FSA administrator. • FSA debit card used to pay doctor and pharmacy copays • Daily claims processing • Participants will need to register bank account information with ADP for direct deposit. • Real-time, online account information • http://storyportfolio.com/ADP/FSASolutions/employees/

12. 2013 Short-Term Disability Coverage • Employees can increase their existing amount of coverage up to $200 per month, without providing evidence of good health, but cannot exceed the monthly maximum. • For more information about short-term disability coverage visit www.umn.edu/ohr/benefits/disability/shortterm

13. Open Enrollment Basics

14. When and How to Enroll • Open enrollment is November 1-30, 2012. • You can make changes to your benefits selections online at http://hrss.umn.edu. • If you or your dependent are age 45 or older, you will need to provide your Social Security Number.

15. During Open Enrollment You Can: • Add or cancel Medical or Dental coverage • Select a different Medical or Dental plan • Change your designated dependents • Choose to participate in the Health Care or Dependent Daycare Flexible Spending Accounts

16. During Open Enrollment You Can: • Increase your amount of Short-term Disability coverage up to $200 per month. • Select or change the benefit amount of your voluntary Long-term Disability Coverage (Civil Service and Labor Represented employees only).

17. No need to go online and make any changes, unless you want to: • Set up a FSA account for 2013. • Change your Medical or Dental Plan or dependent coverage. • To change your clinic election only, just call Medica: 952-992-1814 or 1-877-252-5558. • Increase your Short-term Disability coverage. • Add or increase your Long-term Disability coverage.

18. Open Enrollment Assistance

19. Open Enrollment Assistance • Phone: 612-624-9090 or 1-800-756-2363, Option 2 • Email: benefits@umn.edu • Benefits Fairs • Computer Labs (Twin Cities): Room 315 Donhowe Bldg. • Nov. 21, 28, 29, and 30 (8 a.m. – 4:30 p.m.)

20. Benefits Fairs • Duluth: Nov. 1 • Kirby Student Center Ballroom, 10 a.m. to 2:30 p.m. • St. Paul: Nov 7 • St. Paul Student Center North Star Ballroom, 10 a.m. to 4:30 p.m. • Minneapolis: Nov. 8 • Coffman Memorial Union Great Hall, 10 a.m. to 4:30 p.m. • Morris: Nov 12 • Oyate Hall, UMM Student Center, 11 a.m. to 1 p.m. • Cookston: Nov. 13 • Prairie Lounge Student Center, 11 a.m. to 12 p.m.

21. Enrollment Information

22. Enrolling Online • New employees hired before December 1 may make two elections to participate in FSA for 2012 and 2013 • Multiple elections can be made online, but not at the same time; wait a day between enrollments • Benefits will send an e-mail to affected employees • Employees with appointments ending prior to January 1, 2013, cannot enroll online - they are not anticipated to be active employees in 2013

23. Open Enrollment Communications • Employees with enrolled same-sex domestic partners will receive a letter and instructions for Open Enrollment. Elections can be made online if currently enrolled, or on paper, if not. • Materials are sent to employees on LOA & to those without computer access • An e-mail will be sent on November 1 to announce the start of Open Enrollment • A final reminder will be sent near the end of November

24. Benefit Materials for 2013 • U & Your Benefits newsletters • Guide for UPlan Benefits Open Enrollment • COBRA instructions & rates • Benefit summaries for prospective employees • Summary of Benefits for Medical & Dental Plans • Managers Toolkit on OHR website http://www.umn.edu/ohr/debcp/index.html

25. Common Questions

26. Will I receive a printed Open Enrollment Booklet? • Open enrollment booklets will be posted online. • Select employees will receive a printed booklet. • Everyone will receive a printed open enrollment newsletter with enrollment details. • Will arrive in your campus mailbox

27. Will HealthPartners Medical Group Clinics be available through Medica? • All HPMG clinics will still be available in Tier 1 of Medica Insights. • Includes Como & Riverside clinics and Regions Hospital • However, UMP clinics will move from Tier 3 down to Tier 2 in Insights. • Limited HPMG clinics are available in Medica Elect/Essential, Choice & HSA.

28. Who can I cover on my UPlan Medical and Dental Plans? • Yourself • Your spouse or registered same-sex domestic partner • Your dependent children to age 26 • For the definition of eligibility visit www.umn.edu/ohr/benefits/eligibility/index.html

29. With Medica, will I need a referral to see a specialist? • Some Medica Plans do not require a referral to see an in-network specialist. • Medica Insights • Medica Choice National • Medica HSA • Medica Elect/Essential have special guidelines. • No referral needed in your care system • Referral needed to see an in-network provider who is not in your care system. • For all plans, you’ll need a referral from your care system and Medica to receive in-network benefits from an out-of-network provider.

30. Will I receive New Medical and Dental ID Cards? • Members will receive a new card from Medica and from Delta Dental if that is their dental plan. • New enrollees will receive HealthPartners Dental and Prime Therapeutics Pharmacy cards. • Replacement cards can be obtained from your health plan.

31. Will flu shots be available this year? • Yes, seasonal flu shots will be available at no cost. • On campus • Walk-in clinics and flu clinics • On the Twin Cities campus schedule an appointment online at www.bhs.umn.edu/public-health/flu.htm • Employee Health & Benefits Fairs • Your medical clinic • Retail pharmacies (no cost if pharmacy is in Prime Therapeutics’ network)

32. Who is eligible for the Medication Therapy Management Program? • You are eligible if you take four or more medications for chronic conditions. • The program offers: • UPlan-paid consultations with a MTM pharmacist (HSA members pay full cost of consultations. • $10 copy reduction for all Generic Plus and Brand medications for six month

33. How do I contact the Health Plans? • Medica • 952-992-1814 • 1-877-252-5558 • Delta Dental • 651-406-5916 • 1-800-448-3815 • HealthPartners Dental • 952-883-5000 • 1-800-883-2177 • Prime Therapeutics • 1-800-727-6181 • Fairview Specialty Pharmacy • 612-672-5289 • 1-877-509-5115

34. How does the Wellness Points Bank work? • Accumulate points for participating in Wellness Points Bank activities • Must earn the minimum number of points by August 31. • 300 points for employee-only or employee plus children • 400 points for employees who cover a spouse/same-sex domestic partner • Covered spouses/partners can contribute up to 100 of the 400 total points required. • Receive either a $300/$400 reduction in your 2014 UPlan Medical Program rates.

35. How do I earn Wellness Points?

36. Wellness My Way • Self-directed approach to reach a personal wellness goal and increase wellness points • Earn 50 points for completing your goal by August 31 • Examples of Wellness My Way activities: • Athletic events, such as marathons, triathlons, 10k walks • U of M sponsored programs, such as GSX or MBSR • Regular exercise at home, such as a treadmill or swimming pool • Alternative weight management programs • Team sports or fitness classes, such as yoga, zumba, tennis • Self-report activity in the Wellness Points Bank

37. 2012 Results • 13,987 Wellness Assessment participants (including spouses/partners) • Up from 10,800 in 2011 • Health screening participants • 7,535 versus 951 in 2011 • On-site Health Coaching • 474 versus 173 in 2011 • Fit Choices participation • 59% earned credit versus 48% in 2011 • 5,756 UPlan members achieved their point goal and premium reduction • Up from 2,933 with follow-up programs in 2011

38. Return on Investment – 2006 - 2010 • Compared Wellness Program participants with those eligible and declined • Disease Management – reduced employee health care costs by $2,073 per participant year • Lifestyle Management – reduced health care costs for spouses and dependents by $2,401

39. Return on Investment – 2006 - 2010 Second positive ROI for total wellness program Saved $1.76 for every $1.00 invested in total program 28% reduction in hospitalizations.

40. Do you have a Wellness Advocate for your Department? • Wellness Advocates Program: • Looking for Wellness Advocates from each College, Department • Lead departmental Wellness initiatives • Wellness Program to provide support, materials, and training • Plus special programs for wellness advocates • Interested? Email to well@umn.edu

41. Enroll Now • Open Enrollment, November 1-30, 2012 • Enroll at http://hrss.umn.edu • Coverage changes made during Open Enrollment are effective on January 1, 2013.