Option Period

1. Option Period Benefits Enrollment

2. All State Employees Are Required To: • Choose a health and dental plan • Enroll in basic life insurance ($20,000) • Enroll in disability insurance

3. All State Employees may Choose to: • Enroll in Vision Benefits • Enroll in Supplement Life & Dependent Life Insurance • Add Dependent Coverage (health, life, dental & vision) These are optional benefits

4. Online enrollment - Fast, easy, and available 24 hours a day. Enroll online through midnight November 2, 2007 at www.ebc.state.ok.us. Use the handy Benefits Calculator. orPaper Enrollment - Your Benefits Coordinator will provide you with your paper enrollment form. Complete, sign, date the form and return it to your Coordinator prior to your Coordinator’s established deadline. TWO WAYS TO complete your ENROLLMENT

5. Use the Online Benefits Calculator to see how different benefit elections affect your take-home pay. Select the Easy Plan Calculator link on the EBC Home Page. BENEFITS CALCULATOR

6. Join the Revolution! Enroll Online • Locate your Welcome/Password letter • Have your USER ID and password ready • Log on to www.ebc.state.ok.us • Find the login section in the upper right corner • Enter your User ID and password Enroll Online at www.ebc.state.ok.us

7. ONLINE ENROLLMENT PASSWORD LETTER Log onto www.ebc.state.ok.us Locate User ID on letter Employee ID used (no longer using social security number)

8. Type your ID and Password here for Online Enrollment

9. Make your selections Sign and date your Enrollment Form List dependents on back of form Complete separate form for Supplemental Life (Additional documentation may be required) Check with your Benefits Coordinator for the deadline to submit your enrollment form Paper Enrollment Tips

10. ENROLLMENT PAPER FORM Add or drop your dependent coverage in plans by completing the back side of the paper enrollment form. Remember! If you cover one dependent, you must cover all dependents.

11. MATERIALS FOR PLAN YEAR 2008 You should have the following materials:Benefits Enrollment Guide 2008Health Plans Comparison Guide 2008 (Gold Booklet)Provider Guide 2008

12. You should also have the following: Paper Enrollment FormBAS Letter with User ID and passwordOnline Enrollment BAS brochure

13. You will be automatically enrolled in premium conversion unless you choose “no” during online enrollment or on your paper form Nearly 97% of employees currently choose premium conversion You pay NO TAX on eligible insurance premiums Premium Conversion = Tax Savings Enrollment Options

14. Health Plan options available for 2008 include: HealthChoice HighHealthChoice Basic HealthChoice S-AccountAetna Standard HMOAetna Alternative HMOCommunityCare Standard HMOCommunityCare Alternative HMOGlobalHealth Standard HMOGlobalHealth Alternative HMOPacifiCare Standard HMOPacifiCare Alternative HMO HEALTH PLAN OPTIONS THE TRICARE SUPPLEMENT DOES NOT RETURN

15. All HMO carriers return with NO CHANGE in the Standard and Alternative plan designs. Check your Enrollment Guide for the new 2008 coverage areas and premium rates. HMO PLAN OPTIONS

16. All HealthChoice plans will no longer require a six month waiting period for pre-existing conditions. Pre-certification of specific diagnostic imaging services will be required or a penalty will apply. Prior authorization for smoking cessation drugs will no longer be required. Limit of two treatment cycles per year. HEALTHCHOICE PLAN CHANGES

17. HealthChoice S – Account $1,500 Single Deductible $3,000 Family Deductible Important! Requires verification that a Health Savings Account has been opened at the financial institution of your choice. Verification must be received by December 15, 2007 or enrollment will default to previous year’s enrollment elections. You will lose Flexible Spending Account enrollment. NEW HealthChoice High Deductible Health Plan

18. No participation in Flexible Spending HealthCare Account Not eligible to elect S-Account if participating in spouse’s Flexible Spending HealthCare Account Please carefully read the introduction to the plan on page 6 of the Enrollment Guide and review the Health Plan Comparison Booklet HealthChoice S-Account limits include:

19. Be sure to look at your Gold Health Plan Comparison Booklet carefully to review all health plan designs offered.

20. Federal legislation has changed the Retired Military Opt-Out rule. TRICARE Supplement Insurance will no longer be available. See page 5 of your Enrollment Guide. www.ebc.state.ok.us/en/Benefits/Militaryoptout/ RETIRED MILITARY OPT-OUT

21. Seven plans available for 2008 Assurant Heritage Prepaid Assurant Secure Prepaid Assurant Freedom PPO CIGNA Prepaid Dental Delta’s Choice Delta Dental PPO - POS HealthChoice Dental DENTAL PLAN OPTIONS

22. Annual maximum benefit has increased to $2,000 Annual orthodontic benefit minimum has increased to $1,800 Prepaid Plans: Must choose primary care dentist from network, copayment required for services Traditional plans: (HealthChoice and Delta Dental) have statewide network, share costs through co-insurance plan design DENTAL PLANS

23. Assurant Secure Prepaid Lower premiums Moderately higher copays Must choose a primary care dentist in-network Check rates and plan designs for all dental carriers on pages 8 & 9 of Enrollment Guide New Dental Plan Available

24. All five vision plans return this year. Coverage is provided by the following: CompBenefits Primary Vision Care Services (PVCS) Spectera Superior Vision Services Vision Service Plan (VSP) Be sure to make an enrollment election if you want to change your vision carrier or do not want vision in 2008. VISION PLANS

25. BENEFIT ALLOWANCEState employees receive a generous benefit allowance from the State that offsets premium costs. The benefit allowance amounts for 2008 are as follows:

26. For expenses not covered by your health plan, use a Flexible Spending Account. This is a great way to fund out of pocket expenses and receive tax savings. Two types are available: Health Care Account Dependent Care Account FLEXIBLE SPENDING ACCOUNTS

27. Use a Debit Card for most eligible FSA expenses! Just swipe the card to pay! Enroll for debit card during online enrollment or check “yes” on paper form. Had a card last year and want to use it again in 2008? Check “yes” online or on paper, and use the same card you presently have. Debit card is only available when participating in a Flexible Spending Account. Convenient and Free!

28. The Health Care Account maximum contribution is $350 per month. Contribute as little as $10 per month.Dependent Care Account minimum monthly contribution is $50. The maximum monthly contribution is $416.66.www.ebc.state.ok.us

29. You also have additional time to incur eligible expenses. Eligible expenses can be incurred until March 15th after the end of the Plan Year. To estimate your eligible expenses use the online FSA calculator on EBC’s web site – www.ebc.state.ok.us or visit www.mybenny.com

30. Coverage available in $20,000 units. $300,000 maximum or 5x salary, whichever is LESS. Complete Life Application Form & send directly to address on form. Deadline for submission is postmark of November 9, 2007 Salary verification required for increases in coverage SUPPLEMENTAL LIFE

31. Premier Option $20,000 spouse/$10,000 ea child/$1,000 newborn to 6 months Standard Option $10,000 spouse/$5,000 ea child/$1,000 newborn to 6 month Low Option $6,000 spouse/$3,000 ea. Child/$1,000 newborn to 6 months DEPENDENT LIFE

32. Monthly Maximum Disability Income for Short-term disability is $2,500 per month Monthly Maximum Disability Income for Long-term disability is $3,000 per month DISABILITY INSURANCE

33. Enroll in a free program to assess your health and receive up to 23 visits free with a professional mentor. Your agency may provide an additional financial incentive to participate. Enroll online at www.ebc.state.ok.us/en/okhealth If you are already enrolled, you do not need to enroll again. OK HEALTH Mentoring Program

34. This is the time of year to add or drop dependents from coverage. Remember: If you cover one dependent, you must cover all dependents for that benefit election. Your benefit choices and dependent elections are irrevocable. Changes after Option Period are only allowed if you qualify for certain events described by the IRS. When selecting a benefits plan, remember that you select the plan, not your doctor. If your doctor ceases to participate in your plan’s network during the Plan Year, you will not be able to switch plans. You will, however, be able to choose another doctor. Your enrollment materials contain valuable phone numbers and web site addresses. Important Notes

35. To participate in a health care or dependent care reimbursement account, you must re-enroll each year. Choose only one method of enrollment – Online or Paper Important Notes

36. Be sure to enroll on time. Take your enrollment seriously. Failure to enroll may have consequences you didn’t intend. If you fail to enroll, your medical, dental and vision plan elections will remain the same as your 2007 elections. Elections for Flexible Spending Accounts terminate if you fail to enroll. You will automatically be enrolled in Premium Conversion Enroll Online at www.ebc.state.ok.us Make your elections on or before November 2, 2007 ENROLLMENT IS IMPORTANT!

37. Use the Online Benefits Calculator to see how different benefit elections affect your take-home pay. Select the Easy Plan Calculator link on the EBC Home Page. Remember the BENEFITS CALCULATOR! www.ebc.state.ok.us

38. Login to enroll Online on or after October 8th. Option Period Runs from October 8th through November 2nd or your agency’s deadline ENROLL ONLINE!