Annual Enrollment

1. Annual Enrollment Presented by Stephanie Bell School of Medicine

2. Annual Enrollment Changes • Change Health Plan • Increase Employee Optional Life • Enroll in Medical/ Dependent Spending Account • Other reminders • How to make changes

3. Types of Changes to Health Plans • Change your health plan • From one plan to another • Types of Health Plans • Savings • Standard • Blue Choice HMO • CINGA HMO (certain counties) • Medicare Supplemental Plan

4. Savings Health Plan • No Increase in Premiums in 2009 • High deductable health plan • $3000 deductable for single • $6000 deductable for family • Coinsurance • In network- Plan pays 80% • Out of network- Plan pays 60% • Prescription Drugs • Plan will reimburse 80% of the allowed amount, you pay 20% • Employee can enroll in HSA and deduct $$$ pre-tax from their paycheck for qualifying medical expenses

5. Standard Health Plan • No Increase in Premiums in 2009 • Standard health plan • $350 deductable for single • $700 deductable for family • Coinsurance • In network- Plan pays 80% • Out of network- Plan pays 60% • Prescription Drugs • Three tier coverage $10,$25, and $40

6. Blue Choice HMO Health Plan • Increase in Premiums in 2009 • HMO health plan (referral needed for specialists) • $250 deductable for single • $500 deductable for family • Coinsurance • HMO pays 90% • Prescription Drugs • Three tier coverage $7, $35, $55

7. CIGNA Health Plan • No Increase in Premiums in 2009 • HMO health plan (referral needed for specialists) • $0 deductable for single • $0 deductable for family • Coinsurance • HMO pays 80% • Prescription Drugs • Three tier coverage $7, $25, $50 • Only available in certain counties

8. Medicare Supplemental Health Plan • Available to retirees and covered dependents who are eligible for Medicare • Medicare Supplemental Plan • Pays Medicare Part A and Part B deductibles • Coinsurance • Pays Part B coinsurance of 20% • Prescription Drugs • Three tier coverage $10, $25, $40 • Refer to page 8-9 of Insurance Advantage for applicable rates

9. MUSC Options No Longer Available • MUSC Options, a health plan offered in Berkeley, Charleston, Colleton, and Dorchester counties, will not longer be available as of January 1, 2009. • Subscribers enrolled in the plan should choose another plan. • Those who do not make a choice will be assigned to the State Health Plan Standard Plan.

10. Changes you CAN’T make with health or dental insurance • You CAN’T add or remove your spouse or dependent children unless you have a qualifying event to do so and it is within 31 days

11. Dental Insurance • This year employees are not able to make changes in the dental plan • Dental changes will be allowable during Open Enrollment, 2010 • Dental Plus Premiums are increasing

12. Changes in Optional Life Insurance • Without medical evidence form: • Employees may enroll and/or increase their optional life insurance for up to $50,000 in $10,000 increments • Employees without optional life insurance may enroll for up to $50,000 in $10,000 increments • Employees can enroll children for $15,000, $1.24 per month for any number of children • Employees can always decrease or cancel Optional Life or Dependent Life coverage

13. Changes in Optional Life Insurance • With medical evidence • Employees may enroll their spouses in $10,000 increments for up to 50% of their Employees Optional Life coverage or $100,000, whichever is less. • Employees may enroll for above $50,000 with medical evidence

14. MoneyPlu$ Programs • To participate in MoneyPlu$ accounts in 2009 • You must enroll or re-enroll • You can do this online https://www.myfbmc.com • You must meet eligibility requirements of having been employed by January 1st 2008.

15. HSA (Health Savings Account) • You must be covered by the State Health Savings Plan or another high deductible health plan • You cannot be covered by any other type of health plan, including Medicare (Part A or B) and you cannot be claimed as a dependent on another person’s tax return • If you were enrolled in an HSA in 2008, you do not need to re-enroll in 2009 if you remain eligible but you may change the amount you contribute monthly

16. You must enroll or re-enroll in this if you wish to participate in 2009 You may deduct up to $2500 if on taxes you file married, filing separately You may deduct up to $5000 for single, head of household or married, filing jointly You may not be refunded for $$ you have not yet put in Dependent Care Account

17. Medical Spending Account • You must enroll or re-enroll in this if you wish to participate in 2009 • You may receive reimbursement for eligible medical expenses incurred by you or your family members up to $5000 maximum annually • You may be refunded for $$ you have not yet put it in. For example, if you enrolled for $3000 and you have surgery costing $3000 on 01/01/2009 you are eligible to claim and receive the full amount.

18. Medical Spending Account • MSA subscribers may sign up for an EZ Reimburse MasterCard. • Check box on enrollment form • Not available for limited-use MSA • Advantages include instant reimbursement for health care expenses, instant approval of some medical, prescription, vision and dental expenses, easy access to your account funds

19. 2010 Increased Health Plan Premiums • For tobacco users, premiums will increase in 2010 • Free and Clear® Quit for Life • State Health Plan subscribers and covered dependents ages 18 and older may participate at no charge • A research-based program that has been successful in helping people stop tobacco use. • For more info call 1-866-Quit-4-Life (866-784-8454)

20. Health Management Program • Blue Cross identifies participants for the program from healthcare information received from medical, pharmacy and lab claims. • If you are identified as someone who could benefit from the program, you are automatically sent a welcome letter giving you more information. • Examples the program is designed to assist with… diabetes or asthma

21. Mothers-To-Be • You must call Medi-Call within the first trimester to enroll in the Maternity Management Program • Once you are enrolled in the maternity management program, you can correspond online with your case manager and receive relevant articles from recognized medical resources.

22. Long Term Care • Prudential is our New Long Term Care Provider • If an employee was already covered under AETNA they will automatically receive a package sometime in September telling them what they need to do to change to Prudential • If an employee was not covered under AETNA and wants to enroll, Prudential is holding a ONETIME Open Enrollment from February 16-March 6,2009 to enroll employees with no medical evidence forms. • Premiums will no longer be payroll deducted so employees will be directly billed for the service

23. Annual Enrollment • October 1st through October 31st, 2008 • Employees may make annual enrollment changes on MyBenefits, 24 hours per day, 7 days per week • www.eip.sc.gov and select “My Benefits” • Employees may also come to 1 MP, Suite 340 for assistance from HR to make any allowable changes

24. What are Your Questions?