Marietta 2016 Benefits Open Enrollment Review

City of Marietta 2016 BENEFITS OPEN ENROLLMENT REVIEW 1

ShawHankins Service Center- can answer questions on all benefits Available 8:00 am 5:00 pm during open enrollment 800-994-7429 Benefit Resource Center- shawhankinsbenefits.net/cityofmarietta All elections will be made using the ShawHankins bswift enrollment portal 2

Changes for 2016 BCBS POS and PPO Plans No Changes to these Medical Plans Piedmont/Wellstar plan will no longer be offered Dental plan-new buy up option Optional Vision Plan- new buy up option Life insurance and VTL will be administered by Lincoln Financial Basic Life now cover 3 x salary up to $300,000 max VTL now purchased in $10,000 increments instead of salary 3

Changes for 2016 Disability coverage will be administered by Lincoln Financial STD will now be on a group plan with lower premiums (was Colonial) LTD will increase from coverage of 50% of salary to 60% of salary Legal coverage vendor changing to ARAG Additional coverage for divorce, real estate disputes, identity theft New Benefits through Unum Whole life with Long Term Care Accident Critical Illness 4

Open Enrollment Open Enrollment is October 26-November 13 Enrollment Assistance will be available November 2-6 ShawHankins will be available to answer questions and assist with online enrollment Open Enrollment is your opportunity to make elections for 2016 Only time you can make a change to those elections is if you experience a qualifying event: Marriage, divorce Birth or adoption Change in your or your spouse s work status that affects benefits Spouse s annual open enrollment period Change in dependent eligibility status Change in eligibility for Medicaid or Medicare Death of dependent Court order 5

Bswift Online Enrollment Make all elections through Bswift enrollment portal www.cityofmarietta.bswift.com Username: first letter of first name, last name, and year of birth Example: JSmith1972 Password: employee ID number If you do not make elections through the enrollment portal, your coverage will roll over for the 2016 plan year. You will not be permitted to make changes after the open enrollment period ends, unless you experience a qualifying event. You must make new FSA elections for 2016 to continue to participate in this plan. You will now be able to enroll in the FSA through bswift. 6

Benefits Fair Monday November 2nd 7:00 am-4:00 pm Custer Park Gym 7

Medical and Prescription Coverage 8

BCBS GA POS Plan In-Network Key Benefit Lifetime Maximum Deductible Coinsurance Unlimited $750 per person $2,250 per family 80% plan / 20% member $6,600 per person $13,200 per family Maximum Annual Out-of-Pocket Limit Out of Pocket Maximum includes deductible, coinsurance and all copays Office Visit, Urgent Care, Emergency Room and Prescriptions $35 $40 $75 Office Visits Primary Care Physician Specialty Care Physician Urgent Care Facilities Routine Preventive Care No Charge Inpatient Hospital Facility Services, Physician s Visits/Consultations, Professional Services Plan pays 80% after deductible Outpatient Facility Services, Professional Services Plan pays 80% after deductible Hospital Emergency Room $200 per visit copay, Co-pay waived if admitted 9

PPO Plan-Grandfathered Employees In-Network Out of Network Key Benefit Lifetime Maximum Unlimited Deductible $800 per person $2,400 per family $1,200 per person $3,600 per family Coinsurance 70% plan / 30% member 80% plan / 20% member $6,600 per person $13,200 per family Out of Pocket Maximum includes deductible, coinsurance and all copays Office Visit, Urgent Care, Emergency Room and Prescriptions No maximum Maximum Annual Out-of-Pocket Limit Office Visits Primary Care Physician Specialty Care Physician Urgent Care Facilities Plan pays 80% after deductible Plan pays 70% after deductible Routine Preventive Care No charge Plan pays 70% after deductible Inpatient Hospital Facility Services, Physician s Visits/Consultations, Professional Services $300 per admit , then plan pays 70% after deductible Plan pays 80% after deductible Outpatient Facility Services, Professional Services Hospital Emergency Room Plan pays 80% after deductible Plan pays 70% after deductible Plan pays 80% after deductible 10

BCBS POS Plan BCBS PPO Plan PharmAvail-Prescription Drugs Benefit Rx Calendar Year Deductible None $200 per individual/ $600 max for family Retail Pharmacy 30 Day Supply Tier 1 Tier 2 Tier 3 Tier 4-Specialty Drugs $10 $40 $65 10% to $200 max 20% 25% 30% 30% Retail Pharmacy 90 Day Supply Tier 1- Generic Tier 2- Preferred Brand Tier 3- Non-preferred Brand Tier 4- Specialty Drugs $20 Coinsurance applies $80 $130 Not Available Step Therapy required for), Hyper-Liptropics (Crestor), Fibromyalgia Agents (Lyrica), Migraine Treatment Triptan-Class (Sumavel), Selective Cox-2 Inhibitors (Celebrex), Anti-Hypertensives-ACE & ARB (Diovan) Proton Pump Inhibitors (Nexium) covered OTC if available, instead of prescription version Prior Authorization and Step Therapy is required on all Specialty Medications (i.e. Humira, Enbrel) 11

POS Plan Active Employees Hired Prior to November 1, 2006 PPO Plan Active Employees Hired Prior to November 14, 1996 Weekly Weekly Employee + Spouse Employee + Children Employee + Spouse Employee + Children Employee Family Employee Family $0.00 $43.08 $34.46 $85.29 $0.00 $13.59 $10.87 $24.91 Monthly Monthly Employee + Spouse Employee + Children Employee + Spouse Employee + Children Employee Family Employee Family $0.00 $186.66 $149.34 $369.61 $0.00 $58.89 $47.10 $107.94 POS Plan Active Employees Hired November 1, 2006 or Later Weekly Employee + Spouse Employee + Children Employee Family $11.28 $25.77 $22.87 $36.19 Monthly Employee + Spouse Employee + Children Employee Family $48.88 $111.67 $99.10 $156.82 12

Dental Coverage No change to current plan design or cost with BCBSGA New Buy Up Plan option Locate participating providers at bcbsga.com- Prime and Complete Network CURRENT- BCBS Dental Base Plan In-network Annual maximum $1,000 per person NEW-BCBS Dental Buy Up Plan Out-of-network In-network Out-of-network $1,500 per person Deductible (Single/Family) $25/$75 $25/$75 $25/$75 $25/$75 Diagnostic/preventive services* 100% 100% 100% 100% Basic benefit services 80% 80% 80% 80% Major benefit services 50% 50% 50% 50% Orthodontic services Not Covered Not Covered 50% to $1,000 Lifetime Max 50% to $1,000 Lifetime Max 13

Flexible Spending Accounts Will be administered by TASC for 2016 Participants will receive a new Debit Card Two separate accounts- Medical Spending Account and Dependent Care Spending Account Allows you to set aside pre-tax dollars to spend on qualified expenses, saving on your taxable income Must make new elections for 2016- via bswift 14

Flexible Spending Accounts Medical Spending Account Maximum contribution of $2,500 Some eligible expenses- Deductibles, copayments, dental expense, vision services and materials Dependent Care Spending Account $5,000 for married couple filing joint income tax returns, $2,500 if unmarried or married and filing separate income taxes Some eligible expenses- any care of a dependent that allows you and your spouse to work: day care, after school program, in-home care, camps May rollover up to $500 left in the Medical Spending Account at the end of the year. Any other unused funds will be forfeited. 15

Basic Life and AD&D City of Marietta provides basic life and AD&D benefit at no cost to you Provided through Lincoln Financial City Council Employees: $150,000 Closed Group of Public Safety Employees: $40,000 All Other Employees: 3 x your annual earnings, maximum $300,000* 16

Optional Life Insurance Purchase coverage for yourself in $10,000 increments up to a max of 5 x earnings or $420,000 Elect coverage for your spouse in increments of $5,000 up to $100,000, or 50% of employee election Coverage for your children of $10,000 If you are currently enrolled, you may elect to increase current coverage by 2 benefit increments for yourself and your spouse. without submitting evidence of insurability. Employees that have declined this coverage in the past and wish to add coverage at this time may purchase up to $20,000 for themselves and up to $10,000 for their spouse without submitting evidence of insurability. 17

Long Term Disability Coverage Provided through Lincoln Financial Pays a benefit after you are disabled for 180 days Covers 60% of your earnings up to a maximum of $5,300 per month. Continues to pay until you can return to work or reach SSNRA Elect coverage through bswift For 2016, there will be an open enrollment for the Long Term Disability coverage. If you enroll now, you will not be required to submit evidence of insurability to enroll. 18

Short Term Disability Coverage Now have group Short Term Disability coverage through Lincoln Financial-lower premiums Pays after you are disabled for 14 days Covers 60% of your salary, up to $2,500 per week Pays for up to 24 weeks of disability Enroll through bswift For 2016, there will be an open enrollment for the Long Term Disability coverage. If you enroll now, you will not be required to submit evidence of insurability to enroll. 19

Optional Vision Coverage May choose between current plan (no change in plan or rates) and new Buy Up Plan Avesis Vision CURRENT Base Plan Out-of-network reimbursement Exam $10 copay Avesis Vision NEW-Buy Up Plan Out-of-network reimbursement $45 In-network In-network $35 $10 copay Standard lenses $25 copay $25 single, $40 bifocal, $50 trifocal $15 copay $40 single, $60 bifocal, $80 trifocal Frames $50 wholesale allowance $130 allowance $45 $65 wholesale allowance $150 allowance Paid in full $75 Contact lenses $130 $150 Medically necessary contact lenses Paid in full $250 $250 Laser vision correction $150 allowance $150 allowance $300 allowance $300 20

Legal Services Will be available through ARAG for 2016 Access to a nationwide network of attorneys Work with you in person, over the phone or online on legal issues Review or prepare documents Make calls or write letters on your behalf Represent you in court Family law, real estate matters, civil damage claims, criminal matters, debt related matters, dispute with a landlord, government benefits, small claims court, tax issues, traffic matters, Includes ID theft protection-monitoring, restoration, lost wallet service, $1,000,000 in insurance 21

Unum Benefit Options Whole Life with Long Term Care Rider Option Accident Insurance Critical Illness Insurance, with Cancer coverage Please note: UNUM will provide all worksite products for 2016 (Whole life, Critical Illness, and Group Accident Plans) If you prefer to retain your Colonial coverage, you must decline Unum coverage and pay Colonial directly. Your current Colonial coverage will rollover to the Unum plans if you make no election for 2016. 22

Questions? 23