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Presented by Human Resources

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Presented by Human Resources

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    2. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    3. ICUBA Members - 8,100 employees (13,400 members)- 8,100 employees (13,400 members)

    4. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    5. Benefit Plans at Rollins Benefits administered through ICUBA: Health Insurance FSA & HRA / Debit Cards Employee Assistance Program (EAP)+ Dental Insurance Voluntary Vision Insurance*+ Voluntary Life Insurance*+ Basic Life Insurance Long Term Disability Additional voluntary plan offered at Rollins: Voluntary Long Term Care Insurance*+ *Voluntary Plans are made available to employees of Rollins College from various insurance companies. These benefit programs are not sponsored or maintained or endorsed by Rollins College, and participation in these programs is completely voluntary for employees. +Part time benefits eligible employees (1000-1462 hrs/yr) are eligible for EAP, vision, voluntary life, and long term care. All other benefits listed above are for full time benefits eligible employees only

    6. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    7. Wellness Health Fairs Attendance dropped from 2008, but trending back up Personal Health Assessment (PHA) 17% participation (Rollins) 43% of all plan members not aware of $25 HRA incentive Total medical costs are 10.47% lower for those who complete PHA Lower ER (3.5%) Lower inpatient (11.68%) Lower outpatient (22.90)

    8. Personal Health Assessment Results WELCOA Cholesterol and BP controlled by Rx Focus on those who are borderline group not to get worse and high risk to be controlledWELCOA Cholesterol and BP controlled by Rx Focus on those who are borderline group not to get worse and high risk to be controlled

    9. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    10. Top 10 Causes of Death in US Diseases of heart Malignant neoplasms (cancer) Chronic lower respiratory diseases (such as chronic bronchitis, emphysema, and asthma) Stroke Accidents Alzheimer’s disease Diabetes mellitus Kidney disease Influenza and pneumonia Intentional self-harm (suicide) 2010 National Center of Health Statistics Homicide fell off the list2010 National Center of Health Statistics Homicide fell off the list

    11. Obesity Trend Medical expenses more than 41% higher than non-obese Complications High cholesterol and triglycerides Type 2 diabetes High blood pressure Metabolic syndrome Heart disease Stroke Cancer Sleep apnea Depression Gallbladder disease Nonalcoholic fatty liver disease Osteoarthritis Skin problems, such as poor wound healing

    12. Medical Plan Experience Medical Claims National claims: 70% attributed to lifestyle choices Top 5 diagnostic categories by claims expense (Rollins) Neoplasms (cancer) Musculoskeletal system (arthritis, back pain, inflammation) Digestive System Circulatory Endocrine (diabetes) WELCOA Musculoskeletal - Rhumatoid arthritis/Inflamation, back Endocrine - Diabetes WELCOA Musculoskeletal - Rhumatoid arthritis/Inflamation, back Endocrine - Diabetes

    13. Medical Plan Experience Preventive Care Underutilized

    14. Pharmacy Plan Experience Plan trends Top Drug Categories by Volume (Rollins) Psychostimulants-antidepressants Lipotropics (cholesterol) Antihypertensives Other Cardiovascular Contraceptives Narcotic Analgesics Thyroid Diabetic Therapy Glucocorticoids (ant-inflammatory) Bronchial Dilators

    15. Pharmacy Plan Experience Plan costs Plan costs trending at 12% increase from prior year Top Drugs by Cost (Rollins) Lipitor (cholesterol) Gleevec (neoplasm) Adviar Diskus (asthma) Actos (diabetic therapy) Nexium (GERD) Singulair (asthma) Crestor (cholesterol) Lexapro (anxiety/depression) Nexavar (neoplasm) Tarceva (neoplasm)

    16. Pharmacy Plan Experience Generic Utilization Priced 80-85% less than brand Average member savings of $660/year Trending at 69.01% generic fill rate For every 1% increase in generic fill rate, plan saves 2% Drug Channels 90 day supply Reduces cost for member and plan Encourages adherence

    17. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    18. Medical Coverage What’s staying the same BlueCross BlueShield of Florida (BCBSFL) plans Risk/Reward Choice Risk/Reward Options PPO 70 Choice PPO 70 Options PPO 80 (no new enrollments) HRA contributions with ICUBA Benefits MasterCard Free wellness office visit, in-network labs, immunizations, diagnostics, and preventive benefits BCBSFL “Know Before You Go” at 888-476-2227 Blue 365® from BCBSFL at www.bcbsfl.com - No increase to deductible would mean premium increase of 9% - Less than 10% of Rollins members met the deductible last year- No increase to deductible would mean premium increase of 9% - Less than 10% of Rollins members met the deductible last year

    19. BCBS Plan Components Deductible: Amount that you must pay in the Plan Year before benefits will be paid by the Plan. (No Deductibles for Physician office visits, Therapy office visits, Urgent Care visits, Emergency Room visits and Prescription Drugs.) Coinsurance: Defined percentage of a covered expense that you pay after the satisfaction of any applicable deductible. Copays (Co-payments): Fixed dollar amount to pay each time a particular service is used. The copay does apply to out-of-pocket but does not reduce amounts applied to the Deductible or co-insurance. A copay may be $20 for an office visit. Annual Out-of-Pocket Maximum: Maximum amount of deductible, co-insurance and co-payments paid during the Plan Year before the Plan begins to pay 100% of Covered Expenses for the balance of the Plan Year. - No increase to deductible would mean premium increase of 9% - Less than 10% of Rollins members met the deductible last year- No increase to deductible would mean premium increase of 9% - Less than 10% of Rollins members met the deductible last year

    20. Medical Coverage What’s changing Deductible increase of $250 for all plans 96% of members did not meet the deductible in prior plan year Deductibles apply to hospitalizations, surgeries outside a physician office, ambulance, diagnostic imaging, medical equipment, and other major services outside a physician office No Deductibles for Physician office visits, Therapy office visits, Urgent Care visits, Emergency Room visits and Prescription Drugs Premium increase of 6% to all plans Market average around 11% ICUBA risk pool reduces premium increase for Rollins

    21. Medical Plan Comparison Risk/Reward vs. PPO 70 Similarities Catalyst Rx Prescription Drug Benefit Free Wellness Benefit All Free ICUBA CaresTM Benefits Plan Rules 24/7 Health Info Hotline ER & Urgent Care Differences Premiums Blue Options Provider Network vs. Blue Choice Network Deductibles Coinsurance Copays Annual Out-of-Pocket Maximums HRA contributions The three PPO plan designs are the same. The prescription drug benefit, wellness benefits and provider network are the same for all plans. The three PPO plan designs are the same. The prescription drug benefit, wellness benefits and provider network are the same for all plans.

    23. Risk/Reward Monthly Rates

    24. Risk/Reward Monthly Rate Changes ``

    25. PPO 70 Monthly Rates

    26. PPO 70 Monthly Rate Changes

    27. PPO 80 Monthly Rates*

    28. PPO 80 Monthly Rate Changes*

    29. Behavioral Health, Substance Abuse and EAP Benefits Free Employee Assistance Program (EAP) services Up to 6 counseling sessions per issue per plan year are available to ALL employees and everyone in an employee’s household Do not need to be enrolled in any ICUBA benefit plan in order for you or a household member to access EAP services Behavioral Health Plan Same as medical benefits (primary care, specialist, etc.) Client Connect® Provider Matching Service Assists members in locating an appropriate provider MHNet website www.mhnet.com Articles; interactive health and wellness instruments; health assessments and videos; family, personal, and mental health information; on-line seminars; discounts to vendors and community resources Username: ICUBA Password: 8773985816 MHNet contact information is on the back of the Blue CrossBlue Shield of Florida ID card

    30. Pharmacy Coverage What’s staying the same CatalystRx, formerly Walgreens Health Initiatives Benefits/Co-pays Network Coverage of aspirin and generic pre-natal vitamins Walgreens product discount card What’s changing Expansion of free prescribed diabetic supplies to all brands Includes meters, lancing devices, lancets, test strips, control solution, needles, and syringes Explain Catalyst bought Walgreens HIExplain Catalyst bought Walgreens HI

    31. Diabetic Supplies Covered at 100% Explain Catalyst bought Walgreens HIExplain Catalyst bought Walgreens HI

    32. Pharmacy Benefit Tiered Copays Whenever possible, have your doctor consult your Preferred Medication List for the lowest cost generic or brand medications available for your therapy. You may visit www.walgreenshealth.com or call Member Services at 1-800-207-2568.

    33. Dental Coverage What’s staying the same Humana plans DHMO PPO High PPO Low Rates What’s changing No changes

    34. Dental Monthly Rates*

    35. Dental Plan Comparison 35

    36. Vision Coverage What’s staying the same Advantica plan Benefits What’s changing Reduced premiums with a 4 year rate guarantee Employee Monthly Premium: $3.98 Family Monthly Premium: $10.18

    37. Vision Plan Summary

    38. Life Insurance– 4/1/2012 What’s staying the same Benefits Rates, with a 3-year rate guarantee What’s changing New carrier: CIGNA Current benefit option will roll over into new plan year One-time Evidence of Insurability (EOI) exception during open enrollment for 2012/2013 Option to elect insurance up to guaranteed issue (GI) amount ($150,000 employee/$50,000 spouse) with no EOI Regardless if have any coverage Ongoing EOI Requirements for future open enrollments/status changes If you have coverage, you can elect up to the GI amounts of $150,000 employee and $50,000 spouse with no EOI; If you do not have any coverage, ANY increase is subject to EOI Explain Medical UnderwritingExplain Medical Underwriting

    39. HRA and FSA Comparison

    40. Health Care Flexible Spending Account (FSA) What’s staying the same ICUBA Funded by employee with pre-tax contributions Used to pay for qualified healthcare (medical, Rx, dental, vision) expenses Funds are available as of 4/1/2012 ICUBA Benefits MasterCard Deadline to use funds 6/15/2013 or forfeit remaining balance (have until 6/30/2013 to submit all claims through 6/15/2013) MUST elect every year, does not roll over File your claims online at http://icubabenefits.org What’s changing Maximum annual contribution reduced to $2,500 per Health Care Reform Remind about OTCRemind about OTC

    41. Dependent Care Flexible Spending Account (FSA) What’s staying the same ICUBA Funded by employee with pre-tax contributions Used to pay for qualified dependent day care expenses (not healthcare for dependents) Maximum annual limit of $5,000 per family Funds are available as they are deducted from payroll Dependents: dependent under age 13, physically or mentally challenged adults who are unable to care for themselves ICUBA Benefits MasterCard Deadline to use funds 3/31/2013 or forfeit remaining balance (have until 6/30/2013 to submit all claims through 3/31/2013) MUST elect every year, does not roll over File your claims online at http://icubabenefits.org What’s changing No plan changes

    42. Long Term Care Insurance Administered by CNA Covers Facility and Home-Based Care Employee, spouse, parents, grandparents Premiums are after tax and do not increase with age Three levels of Daily Facility Care benefit & Lifetime Max Available with or without future benefit guarantee Life insurance built in Guaranteed benefit increase option Guaranteed Issue Portable Contact HR for detail, rates, and enrollment forms Can enroll at any time

    43. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    44. Open Enrollment 2012/2013 2/7/2012 - 2/17/2012 Current elections will carry over to 2012/2013, except FSAs Must enroll if: Want to make changes to any plans Want to add or drop dependents Want to have FSA for 2012-2013 (current election will default to $0) Elections effective 4/1/2012-3/31/2013 No changes after 2/17/2012 unless you experience a qualified status change Must notify HR within 31 days of a qualified status change

    45. Open Enrollment 2012/2013 Web Enrollment Enroll by logging onto http://icubabenefits.org Company key for password reset is ICUBA Select the Open Enrollment icon Suggest log on and review coverage and beneficiaries Enrollment Assistance Rollins Open Enrollment Information website available Tuesday, 2/7 Predictive Modeling Tool Click on the link labeled “View Detailed Plan Comparison” on the Medical Election Page Human Resources

    46. Open Enrollment Checklist Review Open Enrollment Information on HR website for basic information Log into the ICUBA benefits site Review plan information in the Benefits Library section Review current benefits and covered dependents Review beneficiaries for life insurance Complete the online open enrollment process on the ICUBA benefits site Must click “I Agree” for elections to be saved!! Review & print confirmation Can be retrieved later by logging back into ICUBA Benefits Site Submit forms to HR by 2/17/2012 if: Elect Long Term Care Insurance; or Add domestic partner or child of domestic partner to coverage Submit EOI to HR or CIGNA if: Elect Voluntary Life Insurance over the guaranteed issue amount ($150,000 employee / $50,000 spouse)

    47. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    48. Healthcare Tips Preventive care FREE ICUBA Cares™ In-Network Benefits: Aspirin for adults with a physician prescription Prescribed folic acid and generic pre-natal vitamins for pregnancy Prescribed diabetic supplies (meters, lancing devices, lancets, test strips, control solution, needles, and syringes) Dental preventive exams/cleanings

    49. Healthcare Tips Urgent care vs. ER vs. Clinics Blue Cross Blue Shield of Florida “Know Before You Go” www.bcbsfl/com 888-476-2227 Clinical Care Consultant 888-476-2227 Employee Assistance Program (EAP) All full time and part time employees and household members Generic or mail order prescriptions Wellness incentives Better You From Blue™ Health Fairs $25 annual incentive for health risk assessment online or at health fair Healthy Additions $25 incentive for each pregnant member enrolled in program Free on-site fitness facility and classes

    50. Agenda Benefit Plans Wellness Plan Experience 2012/2013 Benefits Open Enrollment Healthcare tips Summary Questions

    51. Summary Changes Medical: Premium increase by 6% & Deductible increase by $250 Pharmacy: Expansion of free prescribed diabetic supplies to all brands Vision: Reduced premium Life: New carrier (CIGNA) with same premium Health Care Savings Account: Maximum annual contribution reduced to $2,500 Open Enrollment 2/7 - 2/17 Save your changes!

    52. Plans

    53. Questions? HR staff and plan representatives are available to discuss plan details and questions

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