Health Insurance and Flexible Benefits

1. Health Insurance and Flexible Benefits Annual Open EnrollmentMay 1 – May 23, 2014 presented by Employment & Benefits Department of Human Resources

2. Health Insurance and Flexible Benefits2014 Open Enrollment Open Enrollment Options Changes for July 1, 2014 Deadlines & Effective Dates Benefits at a Glance • COVA Care • COVA HealthAware • COVA High Deductible Health Plan (HDHP) • TRICARE Voluntary Supplement Premiums Effective July 1, 2014 • Reflected on July 16 pay date

3. Health Insurance and Flexible Benefits2014 Open Enrollment Types of Membership Eligible Dependents Making Changes Outside Open Enrollment Flexible Spending Accounts • over-the-counter drug/medical expenses How to Enroll/Make Changes Resources and Questions

4. Open Enrollment Options • Health Care Coverage • enroll in or change your health plan • keep your current plan • consider optional buy-ups • add or remove eligible family members • waive health care coverage • Premium Rewards • enroll or remain in COVA Care or COVA HealthAware to qualify • Flexible Spending Accounts (FSAs) • enroll in a health or dependent care FSA

5. Changes for July 1, 2014 New Premiums for all plans except COVA HDHP & TRICARE voluntary supplement COVA Care • prescription drug copay tiers 2-4 increase $5 retail and $10 for home delivery COVA HealthAware • two new “do rights” for the HRA COVA Care & COVA HealthAware • Asthma/COPD and hypertension incentive programs added to MyActiveHealth COVA Care, COVA HealthAware & COVA HDHP • Residential treatment centers added to behavioral health services Flexible Spending Accounts (FSAs) • Period to file claims changes if your account ends before 06/30/15

6. COVA Care & COVA HDHP Overviewadministered by Anthem & Delta Dental COVA Care is a preferred provider organization (PPO) • Pay copayments or coinsurance • Must meet deductible for certain services COVA HDHP is a high deductible health plan • Must meet deductible and then pay 20% coinsurance for service up to the out of-pocket limit • Allows member to set up a Health Savings Account (HSA) to help you pay for health care expenses or save towards retirement • Must set up HSA through local bank or financial institution

7. COVA Care & COVA HDHP Overviewadministered by Anthem & Delta Dental COVA Care & COVA HDHP includes; • all doctors & hospitals in the Anthem BC/BS PPO network for medical, behavioral health and pharmacy services in Virginia and; • the BlueCare PPO & BlueCard Worldwide programs for coverage outside of VA • Both plans include an Employee Assistance Program (EAP) Optional Buy-up are available for an additional premium

8. COVA Care & COVA HDHP Overviewadministered by Anthem & Delta Dental Dental benefits are through the Delta Dental network • employee is responsible for co-pays and deductible if services are through the DD network • if services are outside the network, DD will pay the allowable charge and employee may be balanced billed by the provider Consider your dental needs carefully • basic plan covers only routine exams and cleaning • expanded dental provides basic dental plan coverage plus coverage for primary, complex restorative and orthodontic services

9. COVA HealthAwareadministered by Aetna Plan includes an employer paid HRA • employee/retiree only = $600 • employee/retire + spouse = $1200 Coverage paid at 100 % for in-network preventive medical, dental, vision, and hearing exams Provides out-of-network coverage Optional benefits (additional premium): • expanded dental • expanded dental & vision Initial contribution to your HRA Opportunity to earn more HRA contributions by completing “do rights”

10. COVA HealthAwareadministered by Aetna Earn “Do Rights” to Get More HRA Dollars • receive $50 in your HRA for each “do right” up to $150 for 3 activities • spouse also eligible for up to $150 for completing 3 “do rights” • total of up to $300 for both employee and spouse Eligible “Do Rights” • routine annual physical exam • routine dental exam • routine vision exam (new) • annual flu shot • MyActiveHealth health tracker usage • MyActiveHealth coaching module completion (new) Unused HRA funds roll over into the new plan year with no limit as long as you stay in the plan

11. MyActiveHealthCOVA Care, COVA HDHP and COVA HealthAware Participants MyActiveHealth allows you to access your health information 24/7 Go to www.MyActiveHealth.com/COVA • Health information in one place • Personalized health action items • Easy-to-use health tips, tools, and trackers Programs include: • Health Insights to help manage chronic conditions • Free prescription drugs & supplies when requirements are met • Diabetes management • Asthma and COPD (new) • Hypertension (new) • Depending on Plan, hospital co-pay waiver or HRA contribution when requirements are met • Bariatric surgery education

12. MyActiveHealthCOVA Care, COVA HDHP and COVA HealthAware Participants • Healthy Beginnings for expectant moms • Helps moms be healthier so their babies will be too • Includes incentives when you have certain conditions that qualify • Depending on Plan, hospital co-pay waiver or HRA contribution when requirements are met • Healthy Lifestyles • For those generally healthy but need help staying on track • Includes coaching on : • nutrition, • exercise, • stress management and • quiting tobacco

13. 2014 Benefits at a Glance

14. 2014 Benefits at a Glance

15. 2014 Benefits at a Glance

16. 2014 Benefits at a Glance

17. 2014 Benefits at a Glance

18. 2014 Benefits at a Glance

19. 2014 Benefits at a Glance

20. 2014 Benefits at a Glance

21. 2014 Benefits at a Glance

22. Health Plan Monthly PremiumsEffective 07/01/2014

23. Health Plan Monthly PremiumsEffective 07/01/2014

24. Premium Rewards Already earning a Premium Reward? • keep it through 06/30/15 as long as you stay in COVA Care or COVA HealthAware How to Earn a Premium Reward • be enrolled in COVA Care or COVA HealthAware • complete and submit both a Health Assessment and a Biometric Screening by May 31, 2014 • go to www.myactivehealth.com/cova to begin • if you do not have access to the Internet or need help call ActiveHealth at 866-938-0349

25. Premium Rewards Health Assessment • go to the health assessment link to answer the questions • click “complete and save” • you or your spouse need to register separately and complete your own health assessment Biometric Screening • go to the biometric screening link • print either a: • Biometric Screening Physician Form and take it to your doctor or • Lab Corp authorization to take to a location convenient for you • follow all instructions on the form or authorization

26. Premium Rewards New to COVA Care or COVA HealthAware on July 1, 2014? Follow the steps in the Spotlight to receive the rewards Complete both requirements by July 31, 2014 • premium rewards begins August 1, 2014 Complete both requirements by August 31, 2014 • premium rewards begin September 1, 2014

27. Types of Membership • Employee Single – employee only • Employee Plus One – employee plus one eligible family member (spouse or child) • Family Coverage - employee and two or more eligible family members

28. Eligible Dependents • Legally married spouse • Natural and adopted children, stepchildren, children placed for adoption under age 26 • Unmarried children in the court-ordered sole, permanent custody of the employee • Must reside full-time with the employee • Employee provides more than half of dependent’s support • Court ordered custody must be awarded prior to the child’s 18th birthday • Disabled children

29. Eligibility Documentation

30. Flexible Spending AccountsPlan Year 2014-2015 FSA available to all eligible employees • Save on health care out-of-pocket costs • Pay for eligible medical or dependent care expenses with pre-tax dollars FSA Open Enrollment concurrent with Health Insurance Open Enrollment July 1, 2014 Effective Date for New Accounts FSAs are use it or lose it so don’t overestimate expenses If you take no action, you will have no FSA

31. Flexible Spending AccountsPlan Year 2014-2015 Maximum Contributions: • Health FSA: up to $2,500 • Dependent Care FSA: up to $5,000 • depending on tax filing status Minimum Contribution: $10 per pay period Administrative Fee: $3.65 monthly on a pre-tax basis for one or both FSA accounts If enrolled in COVA HealthAware, the HRA pays health expenses first If enrolled in FSA for only part of plan year you must file for claims within three months after coverage period ends (new) If account ends 06/30/15 you still have until 09/3015 to file for reimbursement

32. Flexible Spending AccountsFSA Benefit Card Annual contribution available on July 1, 2014 Will automatically receive an Elite VISA Benefit card when you enroll in Medical FSA • instructions on using the new card will be provided with the card – read carefully Card accepted when: • used with a provider, i.e., doctor or hospital, and the charge is equal to the co-pay amount • Over-the-counter and prescriptions purchases only accepted at IIAS certified merchants • IIAS = inventory information approval system

33. ALEX is Back and ALEX can Help! ALEX is an online interactive assistant designed to help you decide which plan may be the most cost-effective for you. Visit www.alexforcova.com and follow the prompts. ALEX will: • ask questions about your individual needs; • explain the plans offered; • estimate the lowest cost plan option for you; and • provide a plan comparison. The final decision is yours!

34. Open EnrollmentHow to Enroll/Make Changes Enroll on-line • Go to www.DHRM.virginia.gov • Click on the Employee Direct link and register a new account. • Must use your 7-digit Employee Number • Number is included in the ID number used in Payline and is also within the ID number on the HI card • Date of Birth entered as (MM/DD/YYYY) • Valid state or personal E-mail Address • Employee Direct available 24/7 • Enroll using paper forms • Drop by Human Resources • No Appointment Necessary • Deadline Friday, May 23, 2014 at 5:00 p.m.

35. 2014 Open Enrollment Department of Human Resources 314B Tyler Place, 2nd Floor 831-5008 Larry Ashby, Mgr, Employment & Benefits Carmella Carter, HR Generalist Alicia Dials, HR Generalist Jack Wright, Sr. HR Generalist