Open Enrollment 2014

1. Open Enrollment 2014 Prepared for:

2. HEALTH CARE REFORM UPDATE • Notice of Marketplace Exchange • You should have received this notice on or around October 1, 2013. • No action is required by you. • This is a required notice to be sent by your employer to inform you of your options in the federal marketplace exchange. • The notice contained information specific to the plans offered by the Diocese of Cheyenne. • Individual Mandate • Beginning January 1, 2014, all taxpaying, U.S. Citizens must be covered by a health care plan that meets minimum standards. • If you fail to meet this requirement, you may be subject to a penalty through the IRS. • For more information, visit www.healthcare.gov

3. YOUR BENEFITS IN 2014 • Medical • NEW for 2014: • Diocese of Cheyenne Health Plan is joining the Reta Trust • Reta Trust is a Catholic Healthcare Trust that has been in existence since the 70’s • Advantages: • Adhere to Catholic directives • Online enrollment portal • Wellness program through WebMD • Buying power in larger numbers • New Plan offerings – through Aetna • PPO Plan - $1,000 deductible – pharmacy plan through Optum • HSA Plan - $2,500 deductible – pharmacy plan through Aetna • New ID Cards for Aetna (new group number) and Optum • Health Savings Account with Aetna/Payflex • Flexible Spending Account for Health and Dependent Care • Dental • Remain with Aetna PPO Dental Plan – no plan changes – use same ID card • Vision • VSP - no plan changes • Life/AD&D and Long-Term Disability • Basic & Voluntary Life coverage and Long-Term Disability with Christian Brothers/MetLife

4. MEDICAL - AETNA • Out-of-Network benefits available. Please see plan summary for details.

5. PREVENTIVE SERVICES Preventive services are covered at 100%! • Preventive services may include:* • Routine physicals • Well-baby exams • Immunizations • Mammograms • PSA Tests • Pap Smears • Colonoscopies • If your doctor codes your exam as “Diagnostic”, it will NOT be covered at 100%. *Services are age-specific and not covered as preventive for everyone. They may also be limited in frequency. See plan documents for details. If you are not sure whether your procedure will be covered as preventive or not, ask your doctor to file a Predetermination of Benefits before you go in for your appointment.

6. New 2014 Wellness • Take Control and Be Accountable for your Health • Health and wellness begins with an individuals choice and lifestyle . Reta and The Diocese want to support you, their employee, with tools and resources in helping you achieve a healthier outcome. 2014 will bring new opportunities to earn wellness financial credits. Watch your mailbox for more information. • Financial Incentive opportunities include: • Completion of the Health Quotient through WebMD ($50) • Completion of 3 Health Coach Calls or 5 Weekly Digital Health Plans ($100) • Biometric Screening Participation • January & February 2014 • Biometric Healthy Results • BMI • Blood Pressure • Cholesterol • Hemoglobin • Tobacco Free

7. MAXIMIZE YOUR BENEFITS • Be proactive! • Ask your doctor how medical procedures will be billed • Ask for a Pre-Determination of Benefits • Added value benefits & discount programs • Stay in the network! • Confirm the provider is IN the network • Out-of-Network providers will cost more • Get educated about your prescriptions! • Consider Generic • Take advantage of discount pharmacy programs • Wal-Mart: $4 (30-day) and $10 (90-day) • Shop around • Sam’s Club: No membership needed • Ask your doctor for samples

8. New HSA 101 – What is an HSA? There are two components to an HSA: The Insurance Plan – QualifiedHigh Deductible Health Plan (HDHP) The Bank Account – a Health Savings Account (HSA) is IRS regulated and allows you to save money on a pre-tax basis for qualified medical expenses PART 1: High Deductible Health Plan (HDHP) Protects you from big medical bills Health Savings Account Plan Helps pay your deductible Tax-deductible deposits PART 2: Savings Account (HSA) Tax-deferred growth Tax-free for medical care

9. HSA 101 – What are the benefits? Participating in an HSA offers a healthy return on your investment. • Control– You decide how much money to put into the account and when to use it to pay for medical expenses. You can stop contributing at any time. • Affordability– Lower your health insurance premiums by participating in a health insurance plan with a higher deductible. • Tax Savings– Tax deductions when you contribute to your account, tax-free earnings through investment, tax-free withdrawals for qualified medical expenses. • Portability– You keep the account even if you change insurance plans, jobs or retire. • Flexibility– Use the funds to pay for current medical expenses or save the money for future needs. • Savings– Grow your account through investment earnings.

10. HSA 101 – What expenses qualify? • Qualified Medical Expenses • Use for Medical, Dental, and Vision expenses for you, your spouse, or your dependent children – even if they are not covered by your High Deductible Health Plan (HDHP) • Note: You may not use your HSA funds to pay for medical premiums for you or your spouse • COBRA, Long-Term Care and Medicare premiums • Non-Qualified Medical Expenses • Subject to ordinary income tax and a 20% premature withdrawal penalty if: • Made before age 65 AND • Used to pay non-qualifying medical expenses • Withdrawals are NOT subject to a premature withdrawal penalty if: • Made after turning age 65 • Due to death or disability (at any age)

11. HSA 101 – Contribution Limits The IRS sets maximum limits on HSA Contributions for a calendar year. • HSA Bank Account Registration: • Go to retaenroll.org and pull information how to set up your account online • .

12. PRESCRIPTION DRUG BENEFIT – PPO PLAN Separate ID Card – Benefit administered through Optum Reta Value Option Program Applies • Using Mail Order for maintenance medications can save you money!

13. PRESCRIPTION DRUG BENEFIT The RVO program will help you and your doctor identify lower cost prescription drugs for treating some very common health conditions. These lower cost drugs are called preferred drugs under the RVO program. If you use a drug that is not on the preferred drug list (called a non-preferred drug), your out-of-pocket cost will likely be much higher. If you will be affected based on current drug utilization, you will receive a letter from Optum prior to January 1, 2014, explaining your medication options. The RVO program is only applicable to those who elect the PPO Plan.

14. PRESCRIPTION DRUG BENEFIT – HSA PLAN - AETNA After your $2,500 or $5,000 deductible has been met, you pay co-pays for prescriptions, up to your Out-of-Pocket Maximum • Using Mail Order for maintenance medications can save you money!

15. DENTAL – Aetna Use same ID Card you have today – Same Group Number No change to covered benefits • *Out-of-Network benefits are paid based on Usual & Customary Rates. • Use Contracted Providers when possible to make • your maximum go farther

16. VISION - VSP • No ID Cards needed • Use VSP providers – stretch your vision dollars farther

17. LIFE / AD&D – Basic MetLife through Christian Brothers • Basic Life and AD&D • 1.5x Annual Salary up to $150,000 maximum • Doubled in the event of Accidental Death • 100% Employer Paid • Important Information… • “Age Reduction” applies at age 65 • Update your beneficiary at any time

18. DISABILITY – Long Term Disability MetLife through Christian Brothers • Long-Term Disability (LTD) • Elimination Period: Accident, Illness – Day 90 • Total Duration: to age 65 or SSNRA • Coverage Amount: 60% salary up to $5,000 per month • 100% Employer Paid Long-Term Disability helps replace a portion of your income for an extended period of time if you are unable to work.

19. FLEXIBLE SPENDING ACCOUNT (FSA) • Full Health Care FSA • Contribute up to $2,500 per year • (6-month election up to $1,250) • Use for Medical, Dental, and Vision expenses for you, your spouse, or your dependent children – even if they are not covered under your employer’s benefit plan(s) • NOT AVAILABLE if you are contributing to a Health Savings Account (HSA) • Limited Health Care FSA • Contribute up to $2,500 per year • (6-month election up to $1,250) • Use is limited to Dental and Vision expenses for you, your spouse, or your dependent children • ALL Medical expenses, including over-the-counter, should be filed under your Health Savings Account (HSA)

20. FSA 101 – What are the benefits? Participating in an FSA allows you to lower your taxable income. • Choose your contribution during Open Enrollment • Maximum annualcontribution • Health Care: $2,500 • Dependent Care: $5,000 • (6-month election beginning in January – only half the annual amounts allowed) • Tax Savings - Contributions are made pre-tax via payroll deduction • Accessibility - Money available up-front at beginning of plan year (Health Care FSA only) • Money does NOT roll over....use it or lose it!

21. FLEXIBLE SPENDING ACCOUNT (FSA) • Dependent Care FSA • Contribute up to $5,000 per year ($2,500 if married filing separately) • Use for daycare, after-school care, and summer day camp program expenses for child(ren) under age 13 • Care of disabled dependents over the age of 13 • Adult daycare for disabled spouse or dependent

22. FSA vs. HAS - The difference is in the “S.” Spending Savings

23. Contributions See the enrollment guide or online enrollment platform for monthly contributions for both medical plans, the dental plan, and the voluntary vision plan. Basic Life insurance and Long-Term Disability are paid for in full by your location.

24. NEXT STEPS Open Enrollment is the only time during the year that you can make changes to your benefit plan(s) without a qualifying event. • To enroll or make changes to your 2014 benefits: • Go to www.retatrust.orgto enroll online • (see enrollment guide for login instructions) • Paper option is also available • Last day to make changes: November 22, 2013 • Changes effective • January 1st, 2014 • This will be a short plan year (6 months). • Therefore, elections will be good up to 7/1/14. • You will have another open enrollment in the • Spring 2014 for a July 1 effective date. New

25. www.retatrust.org

27. NEXT STEPS ENROLLMENT: We highly encourage you to go online and confirm your elections and/or change your coverage. If you do not have access to enroll online, you can obtain a paper enrollment form from your location administrator or from the Diocese of Cheyenne website (www.dioceseofcheyenne.org) If you do not actively make your elections online, your coverage will be continued for 2014 with the exception of your flexible spending account contributions. FSA elections must be made annually. Your current medical plan election (PPO or Health Fund) will be transferred as follows: PPO Plan = new PPO Plan for 2014 Health Fund = new HSA Plan for 2014 • Qualifying Events • 30 days from date of qualifying event to make changes • Marriage or Divorce • Birth or adoption • Death of a spouse or dependent • Gain or loss of other coverage

28. QUESTIONS If you have ANY questions regarding your benefits, please contact your location coordinator or Human Resources. Thank you for attending the Gallagher Benefit Services benefit presentation for the Diocese of Cheyenne