FastFacts Feature Presentation

1. FastFactsFeature Presentation October 9, 2008 • We are using audio during this session, so please dial in to our conference line… • Phone number: 877-322-9648 • Participant code: 182500

2. Today’s Topic We’ll be taking a look at… 2009 Benefits Update

3. Today’s Presenter Michael McCormickBenefits Consultant/Trainer

4. Session Segments Presentation Michael will address 2009 benefits updates. During Michael’s presentation, your phone will be muted. Q&A After the presentation, we’ll hold a Q&A session. We’ll open up the phone lines, and you’ll be able to ask questions. Michael will answer as many of your questions as time allows.

5. Contact Us If you would like to submit a question during the presentation or if you’re having technical difficulties, you can email us at: fastfacts@jhu.edu You can also send us an instant message! GoogleTalk – HopkinsFastFacts@gmail.com AOL Instant Messenger – HopkinsFastFacts MSN – FastFacts@jhu.edu

6. Survey Survey At the end of this FastFacts session, we’ll ask you to complete a short survey. Your honest comments will help us to enhance and improve future FastFacts sessions.

7. 2009 Benefits Update

8. What’s new! • No plan changes. • Words you don’t often hear at annual enrollment • 2009 rates rise. • JHU pays the largest portion your health and prescription coverage • Faculty and staff will see moderate rate increases this year • See the rates online when you access the enrollment site • Rate relief for employees earning $40,000 or less during the 2009 calendar year • Online enrollment process improved • JHED ID and password to access online enrollment

9. Benefit Dollars / Rate Relief • Employees earning $40,000 or less in base salary as of 9/30/2008 are awarded an additional $200 for rate relief. • You may be eligible to get as much as $1,100. $800 Benefit dollars all faculty and staff + $100 Award for completing the HRA + $200 Rate relief ---------------- $1,100 Benefit Dollars

10. Health Risk Assessment • Personal and confidential online survey. • Takes only 15 minutes to complete. • Answer questions about your current health and lifestyle. • You immediately receive a personal wellness profile . • Complete a confidential health risk assessment online or at the Benefits Fair. • www.benefits.jhu.edu / Healthy at Hopkins

11. Healthy@Hopkins • CONFIDENTIALITY: JHU will not have access to personal data gathered on the HRA. Johns Hopkins Health Care will only be sharing data in aggregate—to enable JHU to plan future wellness programs and offerings.

12. Total Rewards • Your Total Rewards eStatement recaps benefits and compensation for 2007 and supplies a quick snapshot of your benefit elections for the current year. • Knowing your numbers can help you to make benefits CHOICES for 2009! • Check your postcard or go to www.benefits.jhu.edu

13. Know Your Numbers • If you want to take charge of your physical—and financial—health, where’s the best place to start? • Know your numbers such as blood pressure, body mass index, cholesterol, insurance premiums and investments.

14. Benefits Fair October 17, 2008 Homewood Campus, Levering Hall, Glass Pavilion 10 a.m. to 4 p.m.

15. NEW THIS YEAR!!! • Biometric Screenings • Stop by and check your blood pressure, cholesterol, blood sugar and body mass index

16. At the Fair! • Learn more about your comprehensive benefits package. • Visit with: American Century; CareFirst BlueCross BlueShield; CIGNA; EHP; Fidelity; Kaiser Permanente , Medco; MetLife; TIAA-CREF; United Concordia; VALIC; Vanguard; WageWorks and others.

17. Communications for 2009 • Watch for details on the website, www.benefits.jhu.edu • Postcards…postcards…postcards • Oct/Nov newsletter will be online soon

18. Annual Enrollment

19. Enrollment is Oct 27 - Nov 10 (online) • Enroll if you wish to make changes or sign up for a flexible spending account in ’09. • Go online and confirm your choices and ’09 costs. • JHU is going green.This year faculty and staff will receive a reminder card for annual election, no other paperwork! • No change to the Bargaining Unit Annual Election.

20. Annual Enrollment Checklist • Go to www.benefits.jhu.edu, click on enrollment link. • Access using JHED ID and password. • Click “SUBMIT” to process your CHOICES, and remember to print your confirmation notice before logging off. • FOLLOW UP FORMS!!!!!

22. Dependent Age Limits • Dependent children will be covered until the day before their 25th birthday. • NO student certification required. • Proof of dependency required. Tax forms are the best means of verifying.

23. Life Events • Change elections at Annual Enrollment or Life Event • Examples of IRS defined Life Event • Marriage • Birth • Change in employment status • Change in employment status of spouse

24. Short-term DisabilityLong-term Disability

25. Short-term Disability • 14 calendar day elimination period. • Pays 60% of salary ($1,000 per week max). • Pays up to 11 weeks. • If elected at annual enrollment, subject to pre-existing conditions. • Carrier: The Hartford

26. Long-term Disability • Premium paid by JHU. • One year waiting period (may be waived). • Elimination period is 90 days. • Pays 60% of salary; up to $10,000/month max. • Benefits continue (medical, dental, life insurance). • 10% of pre-disability monthly base salary contributed to a JHU 403(b) plan.

27. Flexible Spending Accounts

28. Flexible Spending Accounts • Administered by WageWorks • Tax-free dollars = IRS rules • Use for eligible health and/or dependent care expenses • Health Care FSA (Medical/Dental) - $5,000/yr. • Dependent Care FSA - $5,000/yr. (family limit) • Review eligible expense list in CHOICES Guide • “Use It…or…Lose It”

29. FSA Reimbursement • Using Your WageWorks Reimbursement Card • Effective 1/1/2009, accepted at doctors’ offices, medical facilities, hospitals and qualified or IIAS certified merchants the same as a debit card; it allows you to pay for eligible health care products directly from your flexible spending account. • If the merchant is not qualified or IIAS certified, the reimbursement card cannot be used at that location. • Certified = sells greater than 90% flexible spending account eligible items • A list of the certified merchants can be found at www.sig-is.org. Click on SIGIS Merchant List under Publications.

30. FSA Reimbursement • When activating your reimbursement card online, update your email address in the contact information box since all WageWorks communication to participants is by email. • If you would prefer to receive paper statements, you can elect to do so at any time by logging in, selecting the FSA, then choosing View Account Statement.

31. Medical Plans

32. CareFirst BCBS • Deductible - $250 individual, $750 family • Inpatient Admission Copay - $250 per admission • Emergency Room Copay - $75.00 per visit • Coinsurance - Plan pays 80% of allowed amount • Out-of-Pocket - $1,500 individual, $4,500 family • Routine Care (Adult) • Physical and or OB/GYN exam • Vision screening (614-TEST)

33. EHP Classic • Emergency Room Copay - $75.00 per visit • Inpatient Admission Copay - $250 per admission • Out of network Deductible - $250/$750 Out-of-Network • Coinsurance • In-Network - Plan pays 80% allowed amount • Out-of-Network - Plan pays 70% allowed amount, balance billing • Out-of-Pocket Maximum (total of coinsurance) • In-Network - $1,500 individual, $4,500 family • Out-of-Network - $3,000 individual, $9,000 family

34. BlueChoice and Kaiser • Emergency Room Copay - $75.00 per visit • Inpatient Admission Copay - $250 per admission • Must use network providers, PCP required • Employee with two or more children may elect coverage under the Parent/Child option -- less expensive than family coverage! • Kaiser includes preventive dental care

35. Dental Plans

36. CareFirst PPO and CIGNA PPO • Deductible • Out-of-network deductible dentist $50 individual, per year • Coinsurance • In-Network - Plan & Member %’s up to allowed amount • Out-of-Network – Member pays balance of charges after Plan %

37. United Concordia • $5 copay for oral evaluation. • Set fee schedule for services. • Orthodontics – Pre-existing limitations! • Member pays $2,900 (2 year case) • Must use primary care dentist. • Referral required for specialist care. • No claim forms to file!

38. 403(b) • There is no change to the JHU 403(b) plan. • Review your investments closely • Contact us for information on roll-overs and transfers.

39. Benefits Service Centers • JHU at Eastern • 1101 E. 33rd St. Suite D-100, Baltimore, MD 21218 • East Baltimore • by appointment • Phone - 410-516-2000 • Fax - 443-997-5820 • Email - benefits@jhu.edu • Website - www.benefits.jhu.edu

40. Thank you!

41. We’re going to open the phone lines now! There will be a slight pause, and then a recorded voice will provide instructions on how to ask questions over this conference call line. We’ll be answering questions in the order that we receive them. We’ll also be answering the questions that were emailed to us during the presentation. If there’s a question that we can’t answer, we’ll do some research after this session, and then email the answer to all participants. Q&A

42. Thank You! Thank you for participating! We would love to hear from you. Are there certain topics that you would like us to cover in future FastFacts sessions? Would you like to be a FastFacts presenter? Please email us at: fastfacts@jhu.edu

43. Survey Before we close, please take the time to complete a short survey. Your feedback will help us as we plan future FastFacts sessions. Click this link to access the survey… http://connect.johnshopkins.edu/fastfactssurvey/ Thanks again!