Annual Enrollment February 1 , 2014 – January 31, 2015

1. 2014-2015 Employee Benefits Annual Open Enrollment Presentation Annual Enrollment February 1, 2014 – January 31, 2015

2. Our insurance plans are designed to help you attain the health and dental services you need on a regular basis as well as to protect you against a catastrophic financial loss in the event of a serious health condition, disability or death. They represent a significant part of the total compensation package you have with Lindley Habilitation Services. Please review the employee benefits package carefully, and don’t hesitate to ask questions.

3. Overview Introduction Medical Plan • Payroll Deductions • Medical Benefits/Features • Claims Examples Other Benefits • Dental • Vision • Health Advocate • Colonial Things to Remember What’s Next

4. HR, Senn Dunn, & Health Advocate Please contact Human Resources as your primary source of contact for any benefit-related questions or concerns. If for some reason, the Human Resources staff is not available, please contact Health Advocate. These are clinical staff, mostly nurses, that can help you with claims, benefits questions, ID cards, etc. You may also contact Senn Dunn, our Employee Benefits Advisors. Senn Dunn has dedicated Account Managers available to assist you with you with any questions or concerns regarding your benefits. Senn Dunn Insurance Employee Benefits Services 855.313.1075 ebservices@senndunn.com 866.695.8622 members.healthadvocate.com

5. Annual Open Enrollment • Medical Benefits start over February 1, 2014 • Annual Open Enrollment each year is your only opportunity to make changes, unless you experience a mid year qualifying event • Everyone enrolled in Medical or Dental will receive a new BCBS and/or Ameritas ID card. Open ALL mail over the next few weeks. • If your enrollment, or any change, requires any additional information, HR will let you know.

6. 2014-2015 Medical Payroll Deductions Benefit Enhancements: No increase in employee premiums LHS will help employee with their deductible Office copays now count towards out of pocket max No more Pre-existing conditions Better Provider Network, even on the Coast We have no annual or lifetime maximum on our medical benefit Health Advocate can help you keep costs down

7. Healthcare Reimbursement Arrangement- HRA If your Deductible related expenses exceeds $2,000, you will submit your EOB from BCBS to LHS HR and they will cut you a check to reimburse you up to the remaining $1,000 of Deductible Examples: 1. If your deductible related expenses are $800, you will receive no HRA reimbursement 2. If your deductible related expenses are $2,700, then HR will reimburse you $700

8. Medical Plan Benefits

9. Medical Plan Benefits

10. Prescription Drug Benefits Don’t forget to Check Walmart, Walgreens, Target, Costco, Sam’s Club etc. for their $4 generics list

11. Employee Only Coverage Fairly healthy individual whose only medical care for the year was a preventive exam with a primary care physician $300 annual preventive exam TOTAL Cost = $300 Claims Example: Preventive Exam

12. Employee Only Coverage Overall healthy individual with a couple sick care office visits and prescriptions throughout the year (e.g., sinus infection, strep throat) $160 annually in office visits Estimated 2 office visits (not preventive) at contracted rate of $80 each $300 annual preventive exam $45 annually in Rx Estimated 3 generic medications at $15 each TOTAL Cost= $505 Claims Example: Common Illness

13. Family Coverage Overall healthy family with a few sick care office visits and prescriptions throughout the year (e.g., sinus infection, strep throat) $480 annually in office visits Estimated 6 office visits (not preventive) at contracted rate of $80 each $1,200: 4 Annual Preventive Exams $270 annually for Rx Estimated 6 generic medications at $15 each Estimated 3 preferred brand name medications at $60 each TOTAL Cost = $1,950 Claims Example: Common Illness

14. Claims Example: Chronic Condition Employee Only Coverage • Chronic condition such as high blood pressure or diabetes that requires several office visits and medications throughout the year $1,360 annually for office visits • Estimated 8 office visits (2 PCP average $80 each & 6 specialist average $200 each $300 Annual Preventive Exam $1,440 annually for Rx • Estimated 4 monthly generics average $15 each & 1 monthly preferred brand average $60 TOTAL Cost = $3,100

15. Claims Example: Chronic Condition, ER, and IP stay Family Coverage • Chronic condition such as high blood pressure or diabetes that requires several office visits and medications throughout the year $2,720 annually for office visits • Estimated 16 office visits (4 PCP, average $80 each & 12 SPC average $200 each $1,200 4 Annual Prev Exams $1,300 ER visit $19,000 Inpatient Stay $3,840 annually for Rx • Estimated 8 monthly generics average $15 each & 2 monthly Non-preferred brand average $100 each TOTAL Cost = $28,060

16. Dental Plan Benefits: Ameritas Please always Keep UCR (Usual, Customary, and Reasonable) pricing in mind. If your charges will be more than $250, it is always wise to obtain a benefit estimate.

17. Voluntary Vision Coverage: Community EyeCare

18. Voluntary Worksite Benefits: Colonial Accident Plan • This provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need. Examples of covered injuries include: broken bones, torn ligament, concussion, etc. Short Term Disability Plan • This will pay when a disability occurs, depending on the amount of the policy that you purchase. This can ease the burden of additional medical expenses as well as lowered income while out of work. Critical Illness Plan • This can help fill the gaps in major medical coverage, and pays directly to you, a lump sum benefit upon the diagnosis of a covered critical illness. Cancer Policy • This can help fill the gaps in major medical coverage, and pays directly to you, a lump sum benefit upon the diagnosis of cancer.

19. Things to remember: • Please turn in your election form to HR, no later than Friday January 31st. You need to turn in your form even if you are declining all voluntary benefits, or making no changes • Colonial packets have been sent to each location, Speak to Colonial if you wish to make any changes or enroll. • This has been a summary overview of employee benefits provided/offered by Lindley Habilitation Services – See Plan Documents for details • The updated 2014 Benefit Summary booklet and your election form, both of which were emailed to you, and have both been posted to the LHS website.