Valley View School District 365U

1. Valley View School District 365U January 1, 2012 Employee Benefits Open Enrollment Presentation

2. 2012 Program Overview • 2012 Program Overview • Open Enrollment • Health Care Reform 2011 Recap • Medical, Prescription Drug, Dental and Vision Plan Summary • FSA / Dependent Care Plan Summary

3. 2012 Program Overview Medical / Prescription Drug BCBS of IL PPO Plan (Mail Order: Prescription Prime Therapeutics) Dental BCBS of IL PPO Plan Flexible Spending and Dependent Care Pay Flex Flexible Spending Account Pay Flex Dependent Care Account Vision VSP Vision PPO Plan Life SunLife Life AD&D Plan Long Term Disability SunLife Long Term Disability Plan

4. OpenEnrollment

5. Open Enrollment Process • Open Enrollment Period: November 1st – November 30th • Current Enrollment Elections: Medical and Dental elections will automatically continue with no paperwork required. Federal Government requires annual re-enrollment in Flexible Spending and Dependent Care Accounts. Applications must be completed to enroll in accounts effective January 1, 2012.

6. Enrollment Forms can be found at www.vvsd.org. Elections are to be returned to Human Resources no later than Wednesday,November 30, 2011 11:59pm. All Elections are effective January 1, 2012 – December 31, 2012. Open Enrollment Process

7. During the open enrollment period you are eligible to make the following enrollment changes to the medical and dental programs for a January 1, 2012 effective date: Elect Coverage Previously Declined Add Spouse, Civil Union Partner or Eligible Dependents Terminate Existing Coverage Terminate Spouse, Civil Union Partner or Eligible Dependents Open Enrollment Rights

8. The only other times during the plan year when you are eligible to make changes to your current election(s) is when the following life events occur: Birth Death Marriage / Civil Union Divorce / Civil Union Dissolution Adoption Loss of Coverage Spouse, Civil Partner, Dependents loss of coverage Special Enrollment Rights

9. Health Care Reform 2011 Recap

10. Health Care Reform 2011 Recap • Effective LAST January 1, 2011: • Dependent Children Eligibility to age 26 Regardless Student, Residential or Marital Status. • Dependent Children (up to age 19) 3/12 Pre Existing Condition Limitation was Removed. • Flexible Spending Account Eligible Expenses Excludes over the Counter Medications unless in the case of Insulin or a Script from a Provider. • Health Plan Essential Benefit Lifetime and Annual Maximums were Removed or Converted to Visit Maximums.

11. Health Care Reform2011 RecapEssential BenefitPlan Maximums

12. 2012 Contractual Changes

13. Contractual Changes • Civil Union Partner Eligibility • Applicable to the Medical, Prescription Drug, Dental and Vision Plans • Effective June 1, 2011State Law was passed to allow for civil unions in the state of Illinois. Civil union dependents from the state of Illinois or any other state are eligible for our medical, prescription drug, dental, and vision plans effective June 1, 2011. Civil union dependents are not eligible for our Section 125, FSA and Dependent Care Federally regulated programs.The Federal government does not recognize civil union dependents as eligible dependents. • Adult Pre-Existing Waiting Period • Applicable to the Medical Plan • The Health Plan has new enrollee pre-existing condition waiting periods for adults (age 19 or older). Conditions treated in the 3 months prior to the effective date of the Plan are not be eligible for medical coverage for the first 6 months for employees and the first 12 months for adult dependents.  • Effective January 1, 2012 pre-existing condition waiting periods can be reduced or waived by providing the Plan proof of prior credible coverage. The Plan will reduce the medical care pre-existing condition waiting period a month for every month of prior credible coverage.   

14. Medical / Prescription Drug / Dental Plans

15. BCBS of IL Medical & RX Plan Overview Deductible has a 3 x Family Maximum. Out of Pocket has a 2 x Family Maximum.

16. BCBS of IL Dental Plans Overview Annual Deductible has a 3 x Family Maximum. Orthodontia deductible has no Family Maximum.

17. BCBS of IL “Blue Access” For Members Online Internet Site • Provider Finder • News & Updates • Formulary RX List / Forms • View Current Enrollment • View Explanation of Benefits • Order ID Cards • Access to Blue Care Connection • Blue Points Redeemable for Prizes

18. BCBS of IL “Blue Extras” Services For Members • 24 Hour / 7 Day a Week Nurseline • Blue Care Advisors • Access to Health & Wellness • Special Beginnings • Tobacco Cessation

19. BCBS of IL “Blue Extras” Discounts For Members • Alternative Medicine 35,000 providers • Vitamins / Herbal Supplements / Health Magazines • Weight Management Seattle Sutton, Jenny Craig, Lifetime Fitness • Vision Davis Vision • Hearing TruHearing

20. Vision Plan

21. VSP Vision Plan Overview

22. Flexible Spending Plan

23. PayFlex Plan Details • Valley View School District 365U provides you the opportunity to pay for out-of-pocket medical dental, vision, and dependent care expenses with pre-tax dollars. • Flexible Spending Account Annual Maximum Election: $2,500 • Dependent Care Account Household Annual Maximum Election: $5,000

24. PayFlex Transition FSA – HealthCare Expenses Examples of Eligible Expenses • Prescriptions • Deductibles • Copayments • Coinsurance • Vision Care Expenses • Medical Care Expenses • Dental Care Expenses Examples of Ineligible Expenses • Health care premiums • Expenses reimbursed by any other plan • Expenses you incur before you enroll in the plan • Expenses you claim as a deduction or credit on your federal income taxes • Over the counter equivalents (Unless Insulin or script from a provider) Where can you find a list of eligible expenses? Visit http://www.irs.gov/publications/p502/index.html

25. Open Enrollment Recap

26. Open Enrollment Recap • Open Enrollment Period: November 1st – November 30th • Medical and Dental elections will automatically continue with no paperwork required. Federal Government requires annual re-enrollment in FSA and Dependent Care accounts. • Forms are available at www.vvsd.org. • Elections are to be returned to Human Resources no later than Wednesday,November 30th 11:59pm. Effective Date of Elections are January 1, 2012.

27. Questions?Please Contact:Lorrie Alsobrooks Administrative Assistant for Employee BenefitsValley View School District 365UPhone: 815-886-2700 x 233Email: alsobrooksl@vvsd.orgRenee Formell Insurance Consultant Mesirow Financial Insurance ServicesPhone: 312-595-7341Email: rformell@mesirowfinancial.com