TRS Active Care Changes

1. TRS Active Care Changes 2013-2014

2. Why changes? TRS posted the following information on why changes were made.

4. The following slides explain: • Major changes • Changes in Active Care 1 HD • Comparison of Active Care 1HD and Active Care 1 • Changes in Active Care 2 • Changes in Active Care 3 • Our monthly premium and comparison of prior year and current year rates

5. TRS-Active Care changes for 2013-2014: • Eliminated Active Care 1 for Individual and Family. Active Care 1 qualifies as a high deductible plan for employee only but not for family coverage • Active Care 1 HD qualifies as a high deductible for all tiers • Those in Active Care 1 will automatically be enrolled to Active Care 1 HD effective September 1, 2013 • If employee does not want Active Care 1 HD, the employee may choose to enroll in Active Care 2 or Active Care 3 • No changes in Active Care 3 because benefit reductions would cause Active Care 3 to no longer be in compliance with law requiring it to be comparable to Health Select

6. Active Care 1 HD DIFFERENCE DDIFFERENCE $0 $2,400 $850 $(800) DIFFERENCE $ 27 $ 63 $106 $103 • Changes in Active Care 1 HD: • Restructured • Deductible for plan year increased for Family • Out-of-pocket maximum for plan year increased for individual but decreased for family. • Rate increase in premiums • Premium amounts listed is employer and employee amount

7. ACTIVE CARE 1 –ELIMINATED. COMPARISON WITH ACTIVE CARE 1HD • Difference between Active Care 1 and Active Care 1 HD • Deductible per plan year for individual increased by $1,200 • Deductible per plan year for Family increased by $1,800 • Out-of-pocket maximum per plan year for individual increased by $1,850 • Out-of-pocket maximum per plan year for family decrease by $1,800 • Premium rates in 1 HD are 9%-22.7% higher than 1 • Premium amounts listed is employer and employee amount

8. Active Care 2

9. ACTIVECARE 2-Changes for 2013-2014 • Deductible per plan year for individual increase to $250 • Deductible per plan year for Family increase to $750 • Out-of-Pocket maximum per plan year for individual increase to $2,000 • Out-of-Pocket maximum per plan year for family increase to $2,000 • 15% increase of premium in all tiers • Premium amounts listed is employer and employee amount • $5 increase in copays for 31 day supply of drug purchased at retail, (from 30 day supply)

10. Active Care 3 • No benefit changes • 25% increase of premiums in each tier • Premium amounts listed is employer and employee amount

11. 2013-2014 TRS ACTIVE CARE RATESEmployee monthly premiums cost