Benefits Open Enrollment November 1 st through November 15 th Jason - PowerPoint PPT Presentation

Benefits Open Enrollment  November 1 st through November 15 th Jason Dempster Associate Director of Compensation & Benefits Kelly Fang Well-being Program Manager and Certified Wellness Coach

Today’s Focus Dental Plan Renewal Health Plan Renewal New Benefit Offering Life, Long-term Disability Wellness & Health at Macalester Online Benefit Enrollment System Questions and Answers

Dental Pla lan Renewal Preventive Dental Vendor Design Service/Feature PPO Delta Premier Out of Network Annual Maximum Benefit Unlimited Unlimited Unlimited No Change Annual Deductible $0 $0 $0 Diagnostic & Preventive Covered at 100% Covered at 100% Covered at 100% Exams, cleanings, x-rays, sealants Structure Network Type % of Expected Admin Trend Total Preventive 103% 0.0% 3.4% 106.4% Current Preventive Dental Rates 2020 Preventive Dental Rates Tier Per EE Premium Per EE Premium $ Change per Mo % Change $4.36 $4.40 $0.04 1% EE Only $13.10 $12.60 -$0.50 -4% EE+1 $20.41 $21.00 $0.59 3% EE+(2+)

Dental Pla lan Renewal Comprehensive Dental Service/Feature PPO Delta Premier Out of Network Annual Max Benefit $1500/$2,000 $1,250/$1,500 $1,000 Annual Deductible $0/person; $25/person; $50/person; Current Comprehensive Dental Rates Not applicable to preventive and $0/family $75/family $150/family diagnostics Tier Per EE Premium Diagnostic & Preventive $24.53 EE Only Covered at 100% Covered at 100% Covered at 100% Exams, cleanings, x-rays, sealants EE+1 $57.71 Basic Services Covered at 80% Covered at 50% Covered at 50% EE+(2+) $92.44 Fillings, Emergency treatment for pain Endodontics, Periodontics Covered at 75% Covered at 50% Covered at 50% Root canals Oral Surgery Covered at 75% Covered at 50% Covered at 50% Extractions Prosthetics Covered at 50% Covered at 50% Not Covered Denture adjustments, repairs Major Restoratives 2020 Comprehensive Dental Rates Covered at 50% Covered at 50% Not Covered Dentures, Resins, Crowns Per EE Premium $ Change per Mo % Change Orthodontics $24.00 -$0.53 -2% Covered at 50% Covered at 50% Not Covered $1,000 lifetime maximum $57.40 -$0.31 -1% $98.00 $5.56 6% Type % of Expected Admin Trend Total Comprehensive 92% 0.0% 2.3% 94.3%

Dental In Insurance Premium Changes (sin (since 201 2013) 30.00% 26.61% 25.00% 20.00% 15.00% 10.00% 5.00% 3.00% 2.02% 1.50% 0.00% 0.00% 0.00% 2013 2014 2015 2016 2017 2018 2019 2020 -1.54% -5.00% -7.55% -10.00% -15.00%

Dental In Insurance Premium Changes 150.0 140.0 130.0 National Average = 5.6% 120.0 110.0 100.0 90.0 80.0 2013 2014 2015 2016 2017 2018 2019 2020 Comp EE+2+ Comp EE+1 Comp EE Prev EE+2+ Prev EE+1 Prev EE Nat'l Avg

ACA Tax Form rm – 1095c

Health Pla lan Design COVERAGE FOR: HDHP (2020) PPO (2020) In-Network* Out-of-Network In-Network* Out-of-Network CALENDAR YEAR DEDUCTIBLE Single $3,200/person $12,800/person $500/person $2,000/person $1,000/Family $4,000/Family Family $6,400/family $25,600/family PREVENTIVE CARE SERVICES Routine Health Exams, Cancer Screening, Eye and Hearing Exams, Immunizations, 100% of charges incurred 100% of charges incurred 100 % of charges incurred No coverage Prenatal & Postnatal Services The first 3 visits free, then E-visits - virtuwell Deductible, then 100% Deductible, then 100% $10 co-pay per visit No coverage thereafter Vendor Design CONVENIENCE CLINICS Deductible, then 100% Deductible, then 100% $10 co-pay, then 100% 60% of charges incurred Minute Clinic ALLERG Y INJECTIONS Deductible, then 100% Deductible, then 100% No out of pocket cost 60% of charges incurred PRIMARY CARE OF F ICE VISITS MD Visits (includes ancillary services Deductible, then 100% Deductible, then 100% $30 co-pay, then 100% 60% of charges incurred received in provider’s office and palliative care) BEHAVIORAL HEALTH/SUBSTANCE Deductible, then 100% Deductible, then 100% $30 co-pay, then 100% 60% of charges incurred ABUSE - Outpatient No Change URG ENT CARE VISITS Deductible, then 100% Deductible, then 100% $50 co-pay, then 100% $50 co-pay, then 100% SPECIALTY OF F ICE VISITS Chiropractic, Physical Therapy, Speech Deductible, then 100% Deductible, then 100% $50 co-pay, then 100% $50 co-pay, then 100% Therapy, Occupational Therapy, Acupuncture, etc. AMBULANCE SERVICES Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred INPATIENT HOSPITALIZATION Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred EMERG ENCY ROOM VISITS Structure Network Deductible, then 100% Deductible, then 100% $100 co-pay, then 100% $100 co-pay, then 100% (coverage for emergency conditions only) ANNUAL OUT-OF -POCKET MAX Single - Medical $3,200/person $12,800/person $3,200/person $12,800/person $6,400/family $6,400/family Family Medical $25,600/family $25,600/family PRESCRIPTION DRUG S G eneric F ormulary Drugs $15 co-pay and then 100% Deductible, then 100% Deductible, then 100% 60% of charges incurred - 31 day supply thereafter Brand F ormulary Drugs $40 co-pay and then 100% Deductible, then 100% Deductible, then 100% 60% of charges incurred - 31 day supply thereafter 20% co-pay up to $300 per Specialty Drugs - Brand Non-F ormulary Deductible, then 100% Deductible, then 100% perscription, 100% 60% of charges incurred - 31 day supply covered thereafter Mail Order - G eneric F ormulary Drugs $30 co-pay and then 100% Deductible, then 100% Deductible, then 100% 60% of charges incurred - 90 day supply thereafter Mail Order - Brand F ormulary Drugs $80 co-pay and then 100% Deductible, then 100% Deductible, then 100% 60% of charges incurred - 90 day supply thereafter OTHER COVERED SERVICES Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred LIF ETIME MAXIMUM Unlimited $1,000,000 Unlimited $1,000,000

Deductibles & Out-of of-Pocket Maximums Over Tim ime Year Deductible Out-of-Pocket Max 2012 $2,400/$4,800 $2,400/$4,800 2013 $2,500/$5,000 $2,500/$5,000 Deductible Mac Adjusted Contribution Deductible 2014 $2,600/$5,200 $2,600/$5,200 • $3,200 • $1,722 • $1,478 2015 $2,600/$5,200 $2,600/$5,200 2016 $3,000/$6,000 $3,000/$6,000 Deductible Mac Adjusted 2017 $3,000/$6,000 $3,000/$6,000 Contribution Deductible 2018 $3,200/$6,400 $3,200/$6,400 • $6,400 • $3,444 • $2,956 2019 $3,200/$6,400 $3,200/$6,400 2020 $3,200/$6,400 $3,200/$6,400

Healt lth Sa Savi vings Account (H (HSA) Contributions Health Macalester A HSA is a Does not have are made on a Savings highly funds true savings the “use it or “ pre-tax ” Accounts are HSA’s through account lose it” clause basis through only available employer payroll to those who contributions deductions have elected to your HSA the High account Deductible Health Plan (HDHP)

Healt lth Sa Savi vings Account (H (HSA) ) Co Contrib ibutio ions 2020 Full-Time HSA Contributions Mac Monthly EE Monthly Mac Monthly EE Monthly Mac Monthly EE Monthly Contribution Contribution Contribution Contribution Contribution Contribution Level 1 Level 1 Level 2 Level 2 Level 3 Level 3 $100.00 $0.00 $121.75 $21.75 $143.50 $43.50 $200.00 $0.00 $243.50 $43.50 $287.00 $87.00 $200.00 $0.00 $243.50 $43.50 $287.00 $87.00 Max Matched Annual Max Amount for Mac Out-of-Pocket 2020 Unmatched Contribution Maximum IRS Limits Contribution Employee Only $2,244 $3,200 $3,550 $1,306 Family $4,488 $6,400 $7,100 $2,612 Open enrollment is an ideal time to review and update your HSA contributions

Healt lth Sa Savi vings Account (H (HSA) ) Co Contrib ibutio ions 2020 Part-Time HSA Contributions Mac Monthly EE Monthly Mac Monthly EE Monthly Mac Monthly EE Monthly Part-Time Contribution Contribution Contribution Contribution Contribution Contribution .50-.74 FTE Level 1 Level 1 Level 2 Level 2 Level 3 Level 3 Employee Only $80.00 $0.00 $90.88 $10.88 $101.75 $21.75 Employee + (1) $160.00 $0.00 $181.75 $21.75 $203.50 $43.50 Employee + (2+) $160.00 $0.00 $181.75 $21.75 $203.50 $43.50 Max Matched Annual Max Amount for Mac Out-of-Pocket 2020 Unmatched Contribution Maximum IRS Limits Contribution Employee Only $1,482 $3,200 $3,550 $2,068 Family $2,964 $6,400 $7,100 $4,136 Open enrollment is an ideal time to review and update your HSA contributions

Health In Insurance Factors Inpatient Outpatient Pharmacy Ambulance High Cost Office Visits Hospital Hospital Claimants -46% -11% +19% +600% -43% +33% Type % of Expected Admin Trend Regression Reserve HDHP 112% 3.19% 3.22% 3.48% -24.65% PPO 87% 3.19% 2.44% 3.48% -24.65%

Claims by Relationship Total Claimants Claims Paid Dependent 32% Dependent Employee 13% 47% Employee Spouse 36% 21% Spouse 51% Add Spouse to Wellness Program Add $2 to EE+1 and Family Coverage Access to wellness portal & incentives