2011 Virtual Open Enrollment Presentation

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DynaVox Mayer-Johnson2011 Open Enrollment : 

DynaVox Mayer-Johnson2011 Open Enrollment November 1st-12th 2010

Questions? Please Contact… : 

Questions? Please Contact… James Mills HR Generalist/Benefits Administrator (412) 209-6582 [email protected] Michelle Killinger HR Associate (412) 209-6624 [email protected]

DynaVox Wellness Committee : 

DynaVox Wellness Committee We are looking for volunteers to participate in our 2011 Healthcare Initiatives/Wellness Committee Limited to 6 members Participation is for 1 year 2-3 hours a month Please provide a short statement on what strengths you would bring to the committee For more information or to volunteer email: [email protected]

Agenda : 

Agenda What’s New for 2011 Enrollment Process Health Benefits Medical: Highmark BCBS Dental: Highmark BlueEdge Vision: Davis Vision Supplemental Benefits Questions & Answers

Current Trends : 

Current Trends Health Care Industry Trend 15-17% for the employees in the Western PA Region Total U.S. health care expenditures are estimated to have grown to $2.6 trillion in 2010 (“The Next Boom”- Jake W. Plunkett)

What’s New for 2011 : 

What’s New for 2011 Name Changes Name Changes for the Medical/RX Programs Core Plan  Highmark 80/20 PPO Plan Buy-Up Plan  Highmark 90/10 PPO Plan Drug Changes Added a fourth copay to both the Highmark 90/10 & 80/20 Plans for specialty drugs A 90 day supply of maintenance drugs trough mail order for 2.5 copays Highmark 90/10 plan reduced the Generic Copay to $10 and increased the copay of the formulary drugs to $30 and non-formulary drugs to $50. Dental Changes Cigna Dental to Highmark BlueEdge Dental Vision Changes Vision Benefits of America to Davis Vision offered through Highmark

Healthcare Reform: Young Adult Coverage : 

Healthcare Reform: Young Adult Coverage Beginning January 1, 2011 your dependent may remain on the medical plan or enroll in coverage under the DynaVox Systems health plan if they are under the age of 26. Adult children are eligible whether or not they are married, living with you, in school, financially dependent on you or able to enroll in their employers plan. The DynaVox Systems program is not required to enroll their spouse or their children. Individuals may request enrollment for such children starting November 1st through November 30th. Enrolment will be effective January 1, 2011 (Must complete a 2011 Enrollment Form)

How Does Healthcare reform Impact Me? : 

How Does Healthcare reform Impact Me? Elimination of Limits on Essential Benefits January 1, 2011 Lifetime limits on “essential” benefits are prohibited. Annual dollar limits on “essential” benefits are phased out. To Read more go to www.healthcare.gov/law/provisions/limits/limits.html Preventative Care January 1,2011 coverage for certain preventative care services will be offered with no cost sharing. To read more visit www.healthcare.gov/law/provisions/preventive/index.html Flexible Spending Accounts January 1, 2011 al over-the-counter medications eligible for reimbursement must be accompanied by a doctor’s prescription. No longer be purchased using the debit card option

Enrollment Process : 

Enrollment Process Passive Enrollment If you would like to carryover you current elections please sign and return a copy of your ‘Personal Benefit Summary’ To make changes to your elections please complete the 2011 Benefits Enrollment Form Return all forms to the Human Resources Department by November 12, 2o1o Reminder: Flexible Spending Accounts will require re-enrollment

Enrollment Process (Cont.) : 

Enrollment Process (Cont.)

Enrollment Process (Cont.) : 

Enrollment Process (Cont.)

Highmark Website just a few clicks away…. : 

Highmark Website just a few clicks away…. Your Coverage: review your member information & benefits, request replacement ID cards Your Spending: View your claims, access deductible and out-of-pocket information Your Health: assess your wellness and get information on lifestyle improvement & access preventive health schedule Choose Providers: access provider directory, provider & hospital comparisons Health Topics: read health articles, get information in the Health Encyclopedia and find latest information on surgeries and procedures Wellness Discount Program: Save money on fitness classes, health-related programs, services and products Highmark Website Registration Visit www.highmarkbcbs.com Select ‘Members Tab’ Select ‘Register Now’ Create a log on ID & Password A PIN will be created and sent to your home

What is a PPO? : 

What is a PPO? PPO (Preferred Provider Organization) is a plan that offers 2 levels of benefits: In Network: higher level of coverage when receiving care from network providers Out of Network: lower level of coverage when receiving care from providers outside of the network PCP selection not required No referrals needed

Network of Providers : 

Network of Providers Large network of providers in the WPA area Large national network of providers Provider Directory available online at: www.highmarkbcbs.com

2011 Benefits Changes 90/10 Plan : 

2011 Benefits Changes 90/10 Plan Prescription Drug All Major Chains in the Network Largest Formulary Formulary: list of FDA approved drugs put together by a panel of physicians and pharmacists and are FDA approved Retail (30/60/90 day supply) $10 generic copay $30 brand copay $50 non-formulary brand copay $100 copay for specialty Rx Mail Order (90 day supply) via Medco $25 generic copay $75 brand copay $125 non-formulary brand copay

2011 Benefits Changes 80/20 Plan : 

2011 Benefits Changes 80/20 Plan Prescription Drug All Major Chains in the Network Largest Formulary Formulary: list of FDA approved drugs put together by a panel of physicians and pharmacists and are FDA approved Retail (30/60/90 day supply) $10 generic copay $40 brand copay $60 non-formulary brand copay $125 copay for specialty Rx Mail Order (90 day supply) via Medco $25 generic copay $100 brand copay $150 non-formulary brand copay

Slide 17: 

One website for both your medical and dental information www.highmarkbcbs.com Expense summaries Claims Information EOBs (Explanation of Benefits) Find a provider (Advantage Plus Network) Large national network of over 70,000 providers Plan Enhancements for 2011 Preventive Incentive (Class I Services do not count against the annual maximum) Smile For Health Additional teeth cleaning for pregnant women Additional coverage for non surgical periodontic services, diagnostic tests and expanded preventive care. BlueEdge Dental

Slide 18: 

Preventive IncentiveSM Preventive IncentiveSM Is available to you from day one – no waiting until the next plan year to enjoy the feature. And without the need to monitor which services are received or understand paragraphs of fine print, Preventive IncentiveSM offers you a simple way to make the most of your benefits.

Slide 20: 

BlueEdge DentalSM

Slide 22: 

Have a Greater Hand in your Health!

Flexible Spending Accounts (FSA) : 

Flexible Spending Accounts (FSA) Important Note: Due to changes made with the Healthcare Reform Bill of 2010 effective January 1, 2011 all over-the-counter medications will no longer be eligible for reimbursement under a Flexible Spending Account without a prescription from a physician.

Flexible Spending Accounts (FSA) : 

Flexible Spending Accounts (FSA) Health Care Deductibles Coinsurances Copayments Dependent Care Licensed nursery schools Day Care Centers Babysitter (with a tax ID) For a complete list of eligible expenses visit www.irs.gov

Flexible Spending Accounts (FSA) : 

Flexible Spending Accounts (FSA) Health Care Minimum: $130 Maximum: $5,000 Dependent Care Minimum: $130 Maximum: $5,000* *$2,500 if you and your spouse contribute into a plan “Use it or Lose It”

Life/AD&D Insurance : 

Life/AD&D Insurance Basic Life 1x Base Salary Minimum: $50,000 Maximum: $550,000 Supplemental 1x, 2x, 3x Base Salary Maximum: $500,000 Evidence of insurability (EOI) is required for coverage that exceeds 3x earning or $100,000. Basic Life 1x Base Salary Minimum: $50,000 Maximum: $550,000 Supplemental 1x, 2x, 3x Base Salary Maximum: $500,000 Evidence of insurability (EOI) is required for coverage that exceeds 3x earning or $100,000. In addition, you can buy family coverage Life Insurance AD&D Insurance

Life/AD&D Insurance : 

Life/AD&D Insurance Spousal Life Insurance $5,000 increments Maximum: $100,000 Cannot exceed 50% of the amount of supplemental life insurance EOI required for increase or new coverage Child Coverage $5,000 – Birth, but less than 6 months $10,000 – 6 months to 25* years *If a full-time student

Disability : 

Disability Short Term Provided at no cost to the employee 60% of your base weekly pay up to $1,000 per week up to 26 weeks Benefits begin on the 8th consecutive calendar day of illness or on the first day of hospitalization. Long Term Employee Paid 180 day waiting period 60% of your monthly base salary up to a maximum of $10,000 per month

Employee Assistance Program (EAP) : 

Employee Assistance Program (EAP) Get extra support for handling life’s demands Work/Life support programs Legal Consultation Parenting Senior Care Child Care Anonymous Program Just a few examples of support available to you Call 800.538.3543

Healthy Rewards : 

Healthy Rewards Provides discounts on many health and wellness programs and services from participating retail and online providers Smoking Cessation Programs Fitness Club Membership Massage Therapy Etc. www.cigna.com/rewards Or call 800.258.3312

2011 Rates : 

2011 Rates

Thank You for your time! : 

Thank You for your time! Questions? Reminder: All forms are due to Human Resources by November 12th Highmark Giveaways

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