2011 Benefits Presentation all chapter for 325 327 370

Slide 1: 

BENEFITS 2011 Overview of Benefits

2011 Benefits : 

2011 Benefits Eligibility You and your dependents Dependents include: Legal Spouse or Adult Benefit Recipient Your Children – up to the age of 26 Children can include: Biological child, adopted child, foster child, step child or a child for whom you are the court appointed legal guardian.

2011 Benefits : 

2011 Benefits Re-enrollment of dependents You can re-enroll a dependent that was deemed ineligible due to the recent audit Dependent needs to meet eligibility requirements Documents will be required when re-enrolling someone who was deemed ineligible You will be contacted by ConSova after open enrollment for documents

2011 Benefits : 

2011 Benefits Health Incentive PPO Plan Incentive Employee: 10% contribution back ($54 per month) Take biometric health screening by December 1, 2010 Added Incentive: If Spouse /ABR is covered on your plan and they also complete a biometric screening, you will receive an additional $200 in your paycheck in the 1st quarter of 2011. ProvSelect HSA Incentive $450 for employee and $450 for covered spouse/adult benefit recipient – deposited into open HSA account Take biometric health screening and online health assessment by December 1, 2010

2011 Benefits : 

2011 Benefits Health Care Reform Dependents up to age 26 can be on the medical, dental, vision, life and AD&D plans but cannot have coverage with their own employer and be on our plan Emergency Room co-insurance is covered at the highest in network amount allowed in plan regardless of network or facility. Preventive Care is covered at 100% in ALL plans (not subject to deductible or copayment) Lifetime Maximums/Organ Transplant maximum increased to unlimited for all plans with no waiting periods New rules now require prescriptions for some over the counter medicines if you would like to have these expenses reimbursed from your health care flexible spending account or health savings account (HSA)

2011 Medical Options : 

2011 Medical Options Choose From Two Medical Plan Options ProvPreferred PPO ProvSelect HSA

ProvPreferred PPO : 

ProvPreferred PPO Preferred Provider Organization Annual Deductible: $250 per member, $750 family Out-of-pocket maximum: $1,500 individual, $4,500 family Preventive care covered at 100% In Network Office Visits (80% coinsurance after deductible is met) Out of Network (50% coinsurance after deductible is met) Emergency Room Copay: $150 For more information, please refer to your medical comparison guide.

ProvPreferred PPO : 

ProvPreferred PPO Three tier prescription drug copay: $15/$25/$40 (generic/formulary brand/non-formulary) 90-day supply of maintenance drugs for two copays through mail order If you request a brand name drug or if your physician prescribes a brand name drug when a generic is available, you will be responsible for the difference in cost between the brand name drug and the generic drug, in addition to your brand name drug copay.

ProvSelect HSA : 

ProvSelect HSA Two parts Insurance coverage (high deductible PPO) Health Savings Account

ProvSelect HSA : 

ProvSelect HSA Insurance Coverage Annual Deductible $1,500 employee only tier $3,000 for all other tiers– no individual deductible Out-of-pocket maximum $2,500 employee only coverage $5,000 for all other tiers – no individual out of pocket maximum Preventive Care is covered at 100% (age and frequency schedules apply) In-Network Office Visits covered at 80% coinsurance after deductible is met Out-of-Network Office Visits covered at 50% coinsurance after deductible is met For more information, please refer to your medical plan comparison guide.

ProvSelect HSA : 

ProvSelect HSA Insurance Coverage (continued) Inpatient Care is covered after the deductible is met 100% at a Providence Facility 80% for in-network facilities and 50% for Community Health System and out-of-network Prescription Drugs Preventive generic and brand formulary drugs are covered at 100% Preventive drugs list is available at: www.providence-healthforlife.com Non-preventive drugs are covered at 80% subject to deductible

ProvSelect HSA : 

ProvSelect HSA Health Savings Account Eligibility to open a Health Savings Account Enrolled in a qualified high deductible plan (ProvSelect HSA qualifies) You cannot be enrolled in another plan (including a Providence plan) as a spouse/adult benefit recipient (ABR) You cannot be enrolled in a state or federal Medicare or Medicaid Plan Contributions to a Health Savings Account Providence can contribute You can contribute

ProvSelect HSA : 

ProvSelect HSA Health Savings Account - Seeding

ProvSelect HSA : 

ProvSelect HSA A savings account for you to save before-tax dollars to pay for qualified health care expenses 14 + $3,050 for an individual $6,150 for a family Contribute an additional $1,000 in 2011 if you are age 55 or older Automatic before-tax payroll deductions or by personal check to WageWorks, the HSA administrator All contributions are deposited to Mellon Bank through Wage Works – you have to open an account or your money is forfeited = + 2011 catch-up contributions (if eligible) Total 2011 maximum, combined contributions to HSA Employee contributions (optional) Providence 2011 contributions

ProvSelect HSA : 

ProvSelect HSA Health Savings Account Advantages Free pre-tax money from Providence and opportunity to earn even more free money through health incentive Utilize HSA to pay for deductibles and coinsurance as well as eligible expenses (the same list as flexible spending accounts) Use as a vehicle for retiree medical savings Your contributions reduce your taxable income The funds you withdraw to pay for qualified medical expenses remain untaxed Your HSA earns interest - tax free and once your account is at $1,000 you can invest in mutual funds HSA balance rolls over from year to year

ProvSelect HSA : 

100% of in-network preventive care services Including preventive prescription drugs Deductible $1,500 Providence Health Savings Account Contribution Employee Health Savings Account Contribution In-network Coinsurance Providence 80% - 100% Employee 0% - 20% Comprehensive Protection Out-of-pocket maximum $2,500 100% of in-network preventive care services Including preventive prescription drugs Deductible $3,000 Providence Health Savings Account Contribution Employee Health Savings Account Contribution In-network Coinsurance Providence 80% - 100% Employee 0% - 20% Comprehensive Protection Out-of-pocket maximum $5,000 Employee Only Coverage Employee plus family coverage (all tiers) ProvSelect HSA

Flexible Spending Accounts : 

Flexible Spending Accounts Administered by Wage Works Significant cost savings for health care and dependent care expenses through pre-tax payroll deductions. Plan wisely…you are only reimbursed for actual expenses incurred. Don’t over estimate. REMINDER: You will have until March 15, 2012 to spend all of your 2011 allocation. Reimbursements must be submitted no later than March 31, 2012.

Flexible Spending Accounts : 

Flexible Spending Accounts Health Care FSA (HCFSA) Minimum contributions of $120 per year Maximum contribution of $5,000 per year Debit Visa Card which allows for eligible expenses to be paid at point of service. Spouse card is also available. Total amount you elect to contribute to this account can be used immediately if you have health care expenses that qualify for reimbursement Important to keep receipts, as WageWorks will request verification of purchases, per IRS regulations Exception: if your card is used at IIAS pharmacy no substantiation will be required

Flexible Spending Accounts : 

Flexible Spending Accounts Health Care FSA (HCFSA) Examples of eligible expenses: Prescription copays Deductibles, copays, coinsurance Dental expenses Vision expenses Note: beginning in 2011 some over the counter medicines are no longer covered unless you have a prescription

Flexible Spending Accounts : 

Flexible Spending Accounts Health Care FSA (HCFSA) – Limited Purpose Account You can still utilize your Health Care FSA even if you participate in the HSA but there are rules! Limited availability for medical expenses Can be used for medical expenses once the deductible has been met Can be used for out of pocket vision, dental and orthodontia expenses not covered by the plan

Health Savings Account vs. Health Care FSA : 

Health Savings Account vs. Health Care FSA

Flexible Spending Accounts : 

Flexible Spending Accounts Dependent Care FSA (DCFSA) Minimum contribution of $120 per year Maximum family contribution of $5,000/year Reason for expense: to work or be a full-time student Eligible for dependent child(ren) under 13 disabled dependent of any age elderly dependent who resides with you at least 8 hours/day Service must be for the physical care of the child, not for education, meals, or lessons such as sailing or photography, etc.

Delta Dental PPO 1500 : 

Delta Dental PPO 1500 Annual deductible: $25/person, $75/family Preventative (100% coinsurance) Basic Services (80% coinsurance) Major (50% coinsurance) Annual Maximum Dental Benefit - $1,500 NO Orthodontia benefits available

Delta Dental PPO 2000 : 

Delta Dental PPO 2000 Annual deductible: $50/person, $150/family Preventative (100% coinsurance) Basic Services (80% coinsurance) Major (50% coinsurance) Annual Maximum Dental Benefit - $2,000 Lifetime Adult/Child Orthodontia Benefit – 50% up to $2,000

Vision : 

Vision Administered by VSP VSP Provider Benefits: Eye Exam: Covered at 100% after a $15 copay/once every 12 months Frames: 100% up to $120/once every 24 months Lenses: 100% once every 12 months Contact Lens: 100% up to $200/once every 12 months Non VSP Provider: Eye Exam: Up to $50 paid after $15 copay/once every 12 months Frames: Up to $45/once every 24 months Lenses: Pricing varies depending on lenses (single, bifocal, trifocal) Contact Lens: Up to $200/once every 12 months

Other Benefits : 

Other Benefits Providence Provided – no cost to employee Basic Life Insurance and Accidental Death and Dismemberment (AD&D) Long Term Disability- basic plan paid for by Providence – with buy up options available to most ministries Employee Assistance Plan (EAP) www.APSHelplink.com Life Balance www.lifebalanceprogram.com

Other Benefits : 

Other Benefits Employee Paid Supplemental Life and AD&D – increments of $10,000 to $1 million (up to 4x pay or $500,000 whichever is less) During Open Enrollment ONLY: you can increase your supplemental life by $20,000 without requiring a statement of health (SOH) Supplemental Spouse/DP Life and AD&D – increments of $10,000 up to $500,000 During Open Enrollment ONLY: you can increase their Spouse/DP supplemental life by $10,000 without requiring an SOH, up to $50,000 Supplemental Child Life and AD&D: $10,000 per child

Questions about Benefits? : 

Questions about Benefits? HR Service Center is here to Assist Email: WAMTREGHRSC@providence.org Phone: 1-888-687-3753, select option 2 Hours: Monday – Friday 6:30 a.m. – 5:00 p.m. (Pacific Standard Time)