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Open Enrollment

NORTHERN ARIZONA PUBLIC EMPLOYEES BENEFIT TRUST. May 2 – 31 2011. Open Enrollment. Plan Year July 1, 2011 – June 30, 2012. OPEN ENROLLMENT OBJECTIVES. NAPEBT Trends and History Medical Plans Dental Plans Vision Plans Life Insurance Plans Flexible Spending Accounts

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Open Enrollment

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  1. NORTHERN ARIZONA PUBLIC EMPLOYEES BENEFIT TRUST May 2 – 31 2011 OpenEnrollment Plan Year July 1, 2011 – June 30, 2012

  2. OPEN ENROLLMENT OBJECTIVES • NAPEBT Trends and History • Medical Plans • Dental Plans • Vision Plans • Life Insurance Plans • Flexible Spending Accounts • Health Savings Account • Considering Retirement?

  3. NAPEBT Medical PlansTrends & History

  4. NAPEBT Northern Arizona Public Employees Benefit Trust • Coconino County • City of Flagstaff • Coconino Community College • Flagstaff Unified School District • NAIPTA • Northern Arizona Intergovernmental Public Transit Authority • Housing Authority • Accommodation Schools

  5. NAPEBT – Trends National health premium trend data is from the Hay Benefits Reports (Hay Group) adjusted from a calendar year basis to correspond with NAPEBT's fiscal year. The 2010 trend data was not available from Hay, therefore, the 2009 trend increase percentage was used. For the 2006-2007 plan year the NAPEBT contribution rates are a blend of the one plan offered (7/1/06-12/31/06) and three plans offered (1/1/07-6/30/07) weighted by enrollment. For the 2008-2009 and 2009-2010 plan years the NAPEBT rates are a blend of all three plans weighted by enrollment.

  6. NAPEBT – Total Medical Claims Paid

  7. NAPEBT – Large Medical Claims Paid

  8. NAPEBT Medical Plans Blue Cross Blue Shield of Arizona Group # 19676 NAPEBT Rx Plans CVS/Caremark#3172 Plan Year July 1, 2011 – June 30, 2012

  9. MEDICAL PLAN EFFECTIVE July 1, 2011

  10. MEDICAL PLAN EFFECTIVE July 1, 2011 CVS/Caremark New Rx Vendor • Two ID cards • Medical and Rx • Continue to use same pharmacies • Mail Order • Will need a new prescription • Fast Start program • 90 days at Retail for 2-1/2 times copay • Grandfathering of drugs – first 6 months • A small percentage of drugs will change tiers after 6 months (January 1, 2012) • Will receive a letter if your drug is changing • Register at Caremark.com • Check drug costs • Compare prices of Generic vs. Retail Dedicated NAPEBT phone line available on 6/13/11 877-456-0109 10

  11. MEDICAL PLAN EFFECTIVE July 1, 2011 Employee Cost SharingApproved & Adopted by NAPEBT • Historically, NAPEBT Employers funded 100% of employee base level premium • NAPEBT Employers cannot continue to shoulder full cost • $20 per month cost share applied to all medical plans offered by the Trust The Board of Supervisors has approved the payment of the $20 cost share on behalf of County employees for FY 12 only • $240 savings for employees enrolled in medical plan • County contribution - $20 per employee per month (1,042) =$229,240 • Trust Reserves – One month at $20 per employee (1,042) employees = $20,840

  12. Wellness Incentive ProgramJuly 2012 – June 2013 • NAPEBT – Self-funded Plan • Rates driven by claims experience • Increase of large claims • Increased frequency of in-patient hospitalization • Improved Health of Employees • Long-term results • Return on Investment • Studies show a $4 return for every dollar spent on Wellness programs. • Lower costs for everyone

  13. Wellness Incentive ProgramJuly 2012 – June 2013 • Opportunity to Waive $20 • Employee participates in Wellness Program • Complete Biometric Testing • Fall 2011 Health Fair • Wellness participation Jan – May 2012 • Complete MyBluePrint Health Assessment • www.azblue.com More information coming soon! • $20 Employee Cost Share • $20 per month added to employee cost for Base and Buy-Up plans • $20 decrease to HSA / FSA contribution on HDHP.

  14. MEDICAL PLAN EFFECTIVE July 1, 2011

  15. MEDICAL PLAN EFFECTIVE July 1, 2011 Employee Premium HolidayThe Month of December at Last Year’s Rates! Total Cost to NAPEBT for Employee Premium Increase Holiday: $ 75,100

  16. MEDICAL PLAN EFFECTIVE July 1, 2011 FYI… Useful Information • Mayo Clinic in Arizona • Is an in-network Provider on all plans • Includes Mayo Clinic and Mayo Clinic Hospital Services • Identify as member of NAPEBT • Waivers of Medical Coverage • other coverage under a qualified group employer’s plan that is not through another NAPEBT employer, under Medicare or a qualified public health plan such as AHCCCS • Must provide enrollment confirmation

  17. MEDICAL PLAN EFFECTIVE July 1, 2011 FYI… Useful Information • Deductibles run on calendar year • January 1st – December 31st • Dual-spouse Deductible Coordination • Husband and wife employed by a NAPEBT employer. • Base and buy-up plans only. • One spouse must have family coverage. • Indicate on the Blue Cross enrollment form that your spouse works for NAPEBT and provide the spouse’s ID number. • Member ID Cards • Have available at every appointment! 17

  18. MEDICAL PLAN EFFECTIVE July 1, 2011 Patient Protection and Affordable Care ActHealthcare Reform • Pre-existing Condition Restrictions • Removed for children younger than age 19 • Still applies for adults until 2014 • Preventive Services • No office visit co-pay for recommended screenings, general physicals and vaccinations • Lifetime Benefit Maximum • Lifetime benefit limits removed • Eligible Dependents to Age 26 • Without regard to • Student Status • Marital Status • Financial Dependence • Only applies to legal child of employee • Does not extend to the spouse or child(ren) of the adult child • Applies ONLY to Medical plan and Flexible Spending Accounts 18

  19. NAPEBT Dental Plans Delta Dental of Arizona Group # 1331 Plan Year July 1, 2011 – June 30, 2012

  20. DENTAL PLAN EFFECTIVE JULY 1, 2011

  21. DENTAL PLAN EFFECTIVE JULY 1, 2011

  22. NAPEBT Vision Plans VSP Group # 12239817 Plan Year July 1, 2011 – June 30, 2012

  23. VISION PLAN EFFECTIVE JULY 1, 2011

  24. VISION PLAN EFFECTIVE JULY 1, 2011 So what’s the bottom line?There is no change to employee payroll deductions for vision coverage for 2011-2012.

  25. NAPEBT Life Insurance Plans Minnesota Life Policy # 33585 Plan Year July 1, 2011 – June 30, 2012

  26. LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011 • Basic Term Life & Accidental Death & Dismemberment Insurance • $40,000 coverage • Provided by Coconino County at no cost to the employee ($7.40 x 1,042 = $92,530/annual cost to County) • May convert to an individual policy upon separation of employment • Remember to keep Beneficiary information up to date

  27. LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011 • Voluntary Term Life Insurance • Employee may increase elected coverage amount by $10,000 at Open Enrollment without underwriting (up to the Guaranteed Issue limit of $100,000) • Insure spouse up to half of employee’s voluntary coverage election • Insure children @ $10,000

  28. LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011 • Voluntary Term Life Insurance • Rate Change • % of Increase Varied by Age Bracket • Child Rate – No Change

  29. Flexible Spending Accounts ASI Flex Plan Year July 1, 2011 – June 30, 2012

  30. FSA PLAN EFFECTIVE JULY 1, 2011 Flexible Spending Accounts • Reduce Tax Liability • Health Care FSA (HCFSA) – allows you to set aside pre-tax dollars to pay for eligible health care expenses not covered by insurance or reimbursed from any other source. • Limited Purpose Health Care FSA (use with a High Deductible Health Plan (HDHP) and Health Savings Account (HSA) • (dental, vision and preventive care expenses only) • General Purpose Health Care FSA (qualified health care expenses) • Dependent Care FSA (DCFSA) – allows you to set aside pre-tax dollars to pay for eligible day care expenses for children up to the age of 13, disabled children over age 13, and elder care.

  31. FSA PLAN EFFECTIVE JULY 1, 2011 • FSA – Medical • Unreimbursed Medical, Prescription, Dental, & Vision expenses • Up to $3,000 Per Year • Debit Card • Reimbursement by Check or Direct Deposit • Full Amount Elected Available Immediately • MUST RE-ENROLL EACH YEAR! • Use or Lose – Be Conservative!

  32. FSA PLAN EFFECTIVE JULY 1, 2011 • Ineligible Health Care Expenses • Cosmetic Expenses • Rogaine, bleaching of teeth, cosmetic surgery (other than reconstructive surgery following a mastectomy for cancer) • Dietary Supplements such as Vitamins • Personal Use Items • Health Club Memberships • Tanning Salon • Over-the-Counter Medications Unless Prescribed by a Doctor

  33. FSA PLAN EFFECTIVE JULY 1, 2011 • FSA – Dependent Care • Up to $5,000 per year • Reimbursement by Check or Direct Deposit • Funds Available as Contributed • MUST RE-ENROLL EACH YEAR! • Use or Lose – Be Conservative!

  34. FSA PLAN EFFECTIVE JULY 1, 2011 • Ineligible Dependent Care Expenses • School Expenses for Children in Kindergarten or Older • Overnight Camping • Expenses for a Child Age 13 or older (unless disabled) • Expenses for Nighttime Babysitting • Daycare Expenses During an Extended Leave of Absence • When a Dependent is Providing Child Care • Expenses Paid to Your Child Under the Age of 19 • (even if child is not your dependent)

  35. Health Savings Accounts HealthEquity Plan Year July 1, 2011 – June 30, 2012

  36. HSA PLAN EFFECTIVE July 1, 2011 HDHP Employer Contribution • $47.68 per month ($572.16 per year) • Health Savings Account if Eligible • Who is NOT eligible for an HSA? • Individuals entitled to Medicare (eligible & enrolled) • Individuals covered under another non-HDHP • Individuals enrolled in AHCCCS or Medicaid or have used IHS • If NOT Eligible for HSA you will be enrolled in Flexible Spending Account (Health)

  37. HSA PLAN EFFECTIVE JULY 1, 2011 Health Savings Accounts • Only available with election of HDHP • Reduce Tax Liability • Use like flexible spending account for Medical, Prescription, Dental and Vision • Unspent money rolls over year after year; NOT use it or lose it • Take it with you when you leave or retire • Pay for COBRA, Medicare or Long Term Care Premiums • Never pay taxes as long as used for qualified expenses

  38. HSA PLAN EFFECTIVE JULY 1, 2011 FYI… Useful Information • HealthEquity and Blue Cross Blue Shield of Arizona have created an integrated Health Savings Account (HSA) solution. • Your claims information will now be available with your HSA account information for easier management of claims payment and review. • When you login to the Blue Cross web site (www.blueaz.com) you can click on a link to take you to the HealthEquity portal where you can view your claims, see how much you owe, and process payment (pay a provider, or yourself) – all from the same website.

  39. Considering Retirement? Coconino County Retiree Benefits

  40. RETIREMENT EFFECTIVE JULY 1, 2011 Considering Retirement? • 10 Years of Continuous Service with Coconino County • Retiring with a Pension through an AZ State Retirement System • Medical, Dental and Vision Benefits end at age 65 • Life Insurance Reduces to ½ Face Value at Age 65; End at Age 70 • Contact Human Resources with retirement questions

  41. OPEN ENROLLMENT 2011 Questions? ? ? ?

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