2019 –How’s Your Plan Working

1. 2019 –How’s Your Plan Working February 26, 2019

2. REVIEW OF 2019 PLAN OPTIONS • MEDICAL INSURANCE • High Deductible-based Plan (HDBP), Deductible-based Plan (DBP) and • Point of Service (POS) Plan options remain in place, with all plans transitioned from United Healthcare to Aetna effective January 1, 2019. • All three plans offer: • Preventive services and annual wellness exams (including, but not limited to, mammograms, colonoscopies and immunizations) are covered at 100%. • Nationwide in-network provider options, regardless of plan election. • Note: Our disruption report shows Aetna’s network is as good as or better than United Healthcare. • Toll-free dedicated Aetna concierge for UHart members (1-866-275-9086). • Teladoc (similar to Virtual Visits) allows members to see/speak to a contracted provider regarding non-emergency medical conditions directly from a mobile device or computer 24 hours a day, seven days a week without an appointment (member cost share is determined by plan election). • Out-of-network benefits for providers who do not participate in Aetna’s network, subject to a calendar year deductible.

3. AETNA CONCIERGE

4. Aetna members can single-sign-on (SSO) through aetna.com, Aetna navigator.

5. Under “See Coverage & Costs”, select your account name This will take you to the PayFlex member website.

6. AETNA MEDICAL MAINTENANCE CHOICE PROGRAM Aetna members (and their qualified dependents) can fill larger supplies of maintenance medications (treating conditions such as asthma, diabetes and/ or high cholesterol) at a lower cost, and have them delivered right to their home! Members will receive a letter from Aetna if they (or one of their qualified dependents) are impacted by dispensing rules administered under Aetna’s Maintenance Choice Program. At that time, the following options will be outlined: • OPTION ONE: Choose prescription delivery or pick-up. A 90-day supply of maintenance medications (with the appropriate prescription) can be delivered to your home (via Aetna Rx Home Delivery Pharmacy) or picked at a local CVS Pharmacy. You can choose from two easy ways to order your 90-day refills: • Call Aetna’s Customer Care number at 1-888-RX-AETNA (1-888-792-3862) and Aetna will contact your doctor for a new prescription and handle all the details. • Submit your order online at www.aetna.com. • OPTION TWO: Aetna pharmacy benefits for maintenance medications cover a 30-day supply with up to two refills at a retail network pharmacy. After that, for best coverage, you should fill your 90-day supplies with Aetna Rx Home Delivery pharmacy or at a local CVS Pharmacy. If you want to continue filling a 30-day supply at another retail pharmacy (not CVS), you must call Aetna at 1-888-792-3862. With this notice, you will continue to pay the regular retail cost for your 30-day supply. If you do not contact Aetna, you will pay 100% of the cost of the medication.

7. 2019 HEALTH CARE REFORM DRUG LIST • Under the Affordable Care Act, also known as health care reform, you can get some drugs at no member cost share. This means the prescriptions are covered 100 percent by our plan. • Examples of qualified drugs include: • Tobacco-cessation medications • Contraceptives • Certain risk reducing medications • Flyer regarding qualified medications can be found at the HRD website: • http://hartford.edu/hrd/files/pdf-new/2019-hcr-preventive-care-drug-list.pdf

8. HEALTH SAVINGS ACCOUNTS (HSA) (partners ONLY with the HDBP and DBP) Administered by PayFlex Personally owned bank account where funds can continue to be carried over from one year to the next, allowing eligible participants to save for future qualified expenses, earn interest on deposits, or invest in mutual funds. There is currently no monthly maintenance fee. CY 2019 annual contribution limits - $3,500 * for individual coverage election $7,000 * for family coverage election *If you are over age 55, the IRS catch-up provision allows you to contribute an additional $1,000 per year. HSA funds are accessible as they are deposited.

9. HEALTH SAVINGS ACCOUNTS (HSA) • Administered by PayFlex • For the HDBP, the University will contribute* (if annualized) – • $1,200 for the individual medical insurance coverage election or • $2,400 for the family medical insurance coverage election. • For the DBP, the University will contribute* (if annualized) – • $750 for the individual medical insurance coverage election or • $1,500 for the family medical insurance coverage election. • The University will deposit half of its annual contribution into a HSA on the first pay in January, and the other half on the first pay date in July. • Note: Academic year employees who receive their pay on the academic year cycle will receive the second half of their HSA contribution with their first available pay in the new academic year.

10. WHAT HAPPENS TO MY OPTUM HSA? You will have the following options: • OPTION ONE: Retain your Optum Bank HSA and continue to spend down the available balance. You will continue to be charged a $1.00 monthly account maintenance fee if your HSA has less than a $500 balance (if your HSA balance is greater than $500, you will not be charged this maintenance fee). Your Optum Bank HSA can continue to be accessed using your current debit card until funds are depleted or until you decide to transfer the funds to another eligible account. You must close this account when the account reaches a zero balance to avoid any additional fees. Note: This option does not replace the PayFlex HSA, which was opened automatically for all eligible participants effective January 1, 2019. Charges will be higher if you have an investment account • OPTION TWO: Transfer any available balance from Optum Bank to PayFlex. You will be charged a one-time fee of $20 (deducted from your Optum Bank HSA at the time of transfer) to process this transfer of funds. You must initiate this transfer, which requires the completion of a trustee-to-trustee form (available at www.hartford.edu/hrd). This completed form must then be submitted to PayFlexfor processing on or after January 1, 2019. This option will take anywhere from 2-5 weeks to be completed.

11. Using your HSA online features

12. PAYFLEX Aetna members can single-sign-on (SSO) through aetna.com, Aetna navigator.

13. PAYFLEX Creating your profile

22. Flexible Spending Account (FSA) (partners with POS Plan; DBP-HRA and HDBP-HRA for those currently enrolled in Medicare Parts A & B and/or those employees collecting Social Security income benefits; OR those who do not elect UHart coverage) Administered by PayFlex Health Care FSA – Annual contribution limit - $2,700 for calendar year 2019. Allows eligible participants to set aside pre-tax dollars for qualified expenses. FSAs are subject to a “use it or lose it” provision under current IRS guidelines and provide access to the full CY election immediately at onset of the plan year. A $500 roll-over will be managed by PayFlex and these funds are available upon the conclusion of the run-out period (March 31, 2019). These roll-over funds must be used before the end of the 2019 plan year. -Participants will likely not see roll-over funds until April/May 2019 -Will likely be asked to verify expenses, SAVE YOUR RECEIPTS Dependent Care FSA – Annual contribution limit - $5,000. Allows eligible participants to set aside pre-tax dollars for qualified expenses. Participants have access to funds as they are deposited. Unused funds remaining at the end of 2019 will be forfeited.

23. Using your FSA online features

24. PAYFLEX FSA

25. PAYFLEX

26. WHAT HAPPENS TO MY UHC PORTAL? Members will have access to their information on the www.myuhc.com site for 18 months after the end of the 2018 calendar year.

27. DENTAL INSURANCE • The University retained Aetna to administer the • Freedom of Choice dental insurance plan, with a very modest increase in premium. • Inherent within this plan is afeature that allows members to enroll in either the Dental Maintenance Organization (DMO) or Passive Preferred Provider Organization (PPO) network, offering members the ability to move back and forth between the DMO and PPO through the course of the year. Effective January 1, 2019, the following enhancements will be added to the PPO Schedule of Benefits: • Members will no longer be subject to an annual deductible when receiving class one preventative services (such as routine cleanings and exams) both in and out-of-network. • In-network class one preventative services will be covered at 100% (members will no longer have a co-insurance obligation). • The out-of-network member co-insurance obligation for class one preventative services will decrease from 20% of reasonable and customary charges to 10% of reasonable and customary charges. • The annual maximum benefit will increase from $1,000 to $2,000.

28. VIEWING YOUR CURRENT BENEFIT ELECTIONS ON YOUR SELF-SERVICE PORTAL

29. VIEWING YOUR CURRENT BENEFIT ELECTIONS ON YOUR SELF-SERVICE PORTAL

30. Q & A’s Thank you for attending. We hope you found the information useful.