Benefits Open Enrollment November 1 st through November 16 th Jason - PowerPoint PPT Presentation

Benefits Open Enrollment  November 1 st through November 16 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 Retirement Plan Wellness Program Online Benefit Enrollment System Questions and Answers

Dental Pla lan Renewal Preventive Dental Comprehensive Dental Service/Feature PPO Delta Premier Out of Network Service/Feature PPO Delta Premier Out of Network Annual Maximum Benefit Unlimited Unlimited Unlimited Annual Max Benefit $1,500 $1,250 $1,000 Annual Deductible $0 $0 $0 Annual Deductible $0/person; $25/person; $50/person; Diagnostic & Preventive Not applicable to preventive and $0/family $75/family $150/family Covered at 100% Covered at 100% Covered at 100% diagnostics Exams, cleanings, x-rays, sealants Diagnostic & Preventive Covered at 100% Covered at 100% Covered at 100% Exams, cleanings, x-rays, sealants Basic Services Covered at 80% Covered at 50% Covered at 50% Fillings, Emergency treatment for pain Vendor Design Endodontics, Periodontics Covered at 75% Covered at 50% Covered at 50% Root canals Oral Surgery Covered at 75% Covered at 50% Covered at 50% No Change Extractions Prosthetics Covered at 50% Covered at 50% Not Covered Denture adjustments, repairs Major Restoratives Covered at 50% Covered at 50% Not Covered Structure Network Dentures, Resins, Crowns Orthodontics Covered at 50% Covered at 50% Not Covered $1,000 lifetime max per child

Performance & Premiums Type % of Expected Trend Admin Total Preventive 94% 0.0% 3.5% 98% Comprehensive 92% 0.0% 3.5% 96% Renewal Current Preventive Dental Rates 2019 Preventive Dental Rates Per EE Premium Per EE Premium $ Change per Mo % Change $4.64 $4.36 -$0.28 -6% $13.93 $13.10 -$0.84 -6% $21.71 $20.41 -$1.30 -6% Current Comprehensive Dental Rates 2019 Comprehensive Dental Rates Per EE Premium Per EE Premium $ Change per Mo % Change $26.66 $24.53 -$2.13 -8% $62.73 $57.71 -$5.02 -8% $100.48 $92.44 -$8.04 -8%

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% 1.50% 0.00% 0.00% 0.00% 2013 2014 2015 2016 2017 2018 2019 -1.54% -5.00% -7.00% -10.00%

ACA Tax Form rm – 1095c

Health Pla lan Design COVERAGE FOR: HDHP (2019) PPO (2019) 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% No coverage $10 co-pay per visit thereafter 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 Vendor Design 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 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 No Change Deductible, then 100% Deductible, then 100% $50 co-pay, then 100% $50 co-pay, then 100% Therapy, Occupational Therapy, Acupuncture, etc. Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred AMBULANCE SERVICES INPATIENT HOSPITALIZATION Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred EMERG ENCY ROOM VISITS 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 Structure Network Family Medical $6,400/family $25,600/family $6,400/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 Individual 2012 $2,400/$4,800 $2,400/$4,800 Deductible Mac Adjusted Contribution Deductible 2013 $2,500/$5,000 $2,500/$5,000 • $3,200 • $1,722 • $1,478 2014 $2,600/$5,200 $2,600/$5,200 2015 $2,600/$5,200 $2,600/$5,200 Employee+1 or Family 2016 $3,000/$6,000 $3,000/$6,000 Deductible Mac Adjusted Contribution Deductible 2017 $3,000/$6,000 $3,000/$6,000 • $6,400 • $3,444 • $2,956 2018 $3,200/$6,400 $3,200/$6,400 2019 $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 2019 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 2019 Unmatched Contribution Maximum IRS Limits Contribution Employee Only $2,244 $3,200 $3,500 $1,256 Family $4,488 $6,400 $7,000 $2,512 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 2019 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 2019 Unmatched Contribution Maximum IRS Limits Contribution Employee Only $1,482 $3,200 $3,500 $2,018 Family $2,964 $6,400 $7,000 $4,036 Open enrollment is an ideal time to review and update your HSA contributions

Health In Insurance Factors Inpatient Outpatient Pharmacy High Cost Ambulance Hospital Hospital Claimants Type % of Expected Admin Trend Regression Reserve HDHP 77% -26.04% -3.15% 3.12% -28.00% PPO 86% -26.04% -0.30% 3.12% -28.00%

2019 Healt lth In Insurance Rates (fu (full ll-time) Renewal Current Full-Time HDHP Rates 2019 Full-Time HDHP Rates Tier Per month EE Premium Per EE Premium $ Change per Mo % Change EE Only $112.93 $96.50 ($16.43) -15% EE+1 $340.08 $287.31 ($52.77) -16% EE+(2+) $496.65 $418.82 ($77.82) -16% Current Full-Time PPO Rates 2019 Full-Time PPO Rates Tier Per month EE Premium Per EE Premium $ Change per Mo % Change EE Only $165.08 $145.14 ($19.94) -12% EE+1 $501.72 $438.01 ($63.70) -13% EE+(2+) $734.23 $640.30 ($93.93) -13%

2019 Health In Insurance Rates (p (part-time) Renewal Current Part-time HDHP Rates 2019 Part-Time HDHP Rates Tier Per EE Premium Per EE Premium $ Change per Mo % Change EE Only $221.85 $188.00 ($33.86) -15% EE+1 $564.13 $475.51 ($88.62) -16% EE+(2+) $825.08 $694.71 ($130.37) -16% Current Part-Time PPO Rates 2019 Part-Time PPO Rates Tier Per EE Premium Per EE Premium $ Change per Mo % Change EE Only $326.17 $285.29 ($40.88) -13% EE+1 $833.53 $726.69 ($106.84) -13% EE+(2+) $1,221.06 $1,063.84 ($157.22) -13%