Insurance Open Enrollment April 22 – May 24, 2013 2013-2014 Plan Year

1. Insurance Open EnrollmentApril 22 – May 24, 20132013-2014 Plan Year Denton ISD

2. Voluntary Insurance Changes for 2013-14

3. PPO Dental Plan

4. DHMO Dental Plan

5. Vision Plan- High and Low Options

6. Cancer Plan

7. Basic & Voluntary Group Term Life Plan

8. Standard Insurance Disability

9. Fidelity Permanent Life Plan

10. Humana Accident

11. Medical Gap Plan

12. Medical Gap Example 1

13. Medical Gap Example 2

14. Medical Gap Plan (cont.)How Employees Can Save on Medical Premiums

15. The Following Slides Are For Informational Purposes Only TRS ActiveCare Medical

16. TRS ActiveCare • Rate increase effective September 1, 2013 ActiveCare 1HDActiveCare 2ActiveCare 3 9% 15% 25% Why did rates increase? • Increase was driven by rising health care costs, higher use of medical and prescription drug services. • Claims expense exceeded premiums by $142 million

17. TRS ActiveCare High Cost Claimant Impact 2011-2012 Plan YearClaimants with Over2010-2011 Plan Year 1,732 $100,000 in paid claims 1,362 366 $250,000 in paid claims 265 15 $1 million in paid claims 5 $3.4 million Top Claimant $1.7 million

18. TRS ActiveCare District and state contributions have not increased since TRS inception in 2002. The majority of the participating districts/entities contribute the minimum amount required to the cost of TRS-ActiveCare coverage: • $75 per month from the state ($900 per year) • $150 per month from employer ($1,800 per year)

19. TRS ActiveCare Plan Changes TRS ActiveCare Plan 1 • Plan no longer offered in 2013-2014

20. TRS ActiveCare Plan Changes (cont.) TRS ActiveCare Plan 1HD • $2400 applies to employee only coverage • Family deductible from $2,400 to $4,800 – this can be met by one family member or a combination of family members. • Individual Out-of-Pocket Max from $3,000 to $3,850 • Family Out-of-Pocket Max from $5,000 to $4,200 (Out-of-pocket max exclude deductibles and copays)

21. TRS ActiveCare Plan Changes (cont.) TRS ActiveCare Plan 1HD (cont.) • Meets IRS definition of a high deductible health plan for all coverage tiers • May contribute pretax dollars into a health savings account (HSA) • Individual can establish an HSA with banks and credit union (the district does not offer the HSA)

22. TRS Active Care Plan Changes (cont) TRS ActiveCare Plan 2 • Individual deductible from $750 to $1,000 • Family deductible from $2,250 to $3,000 • Individual Out-of-Pocket Max from $2,000 to $4,000 • Family Out-of-Pocket Max from $6,000 to $8,000 • Increase in retail short term and retail maintenance prescription co-pays by $5 (Out-of-pocket max excludes deductibles and copays)

23. TRS Active Care Plan Changes (cont) TRS ActiveCare Plan 3 • There were no plan changes

24. TRS ActiveCare Plan Rates 2012-2013 2013-2014 *Amounts reflected are after $235 contributed by district.

25. TRS ActiveCare Plan Rates (cont.) 2012-2013 2013-2014 *Amounts reflected are after $235 contributed by district.