Benefits Open Enrollment 2015-2016 Jubilee Academic Center Human Resource

Agenda I.Introduction II.Online Enrollment III.Medical Plans IV.Supplemental Plans

Open Enrollment Schedule AUG 2015 Benefits effective 9/1/2015 8/31/2016 SunMonTueWedThuFriSat 1 2345678 9101112131415 16171819202122 23242526272829 3031 Deadline for Cards

Refer to www.esc20bc.ner

Steps for Annual Benefits Enrollment Enrollment is Mandatory by all eligible staff Flexible Spending Accounts (Healthcare/Dependent Care) and Health Saving Accounts are reset Access THEbenefitsHUB 24/7 from home, office, etc. If unable to enroll between August 1 August 28 Contact Human Resources or call (800) 583-6908.

Steps for Annual Benefits Enrollment Passwords Have Been Reset

Steps for Annual Benefits Enrollment Review and update all information Fields in bold are required Dependent information required Social Security Numbers (by Affordable Care Act) Other missing information (ex: Date of Birth) Videos available for most supplemental benefits Elect/Waive each benefit Complete required forms (if applicable): Evidence of Insurability (EOI) Voluntary Term Life Insurance (late enrollees/increasing coverage) Permanent Life Due in HRS by August 28, 2015.

Final Steps for Annual Benefits Enrollment Review/Update Beneficiary Information Click Finish to submit enrollment HRS does not require a printed copy Review Consolidated Enrollment Form Verify Flexible Spending Account and/or Health Savings Account Amounts Re-verify elections prior to Deadline: August 28, 2015.

TRS-ActiveCare Increase in Individual and Family Out-of-Pocket Maximums Now includes pharmacy copayments, coinsurance, and deductibles Allegian Health Plans Increase in Individual and Family Out-of-Pocket Maximums Cigna Dental Increased rates for High and Low Plans Plan Design Change for Low Plan

ActiveCare Plan Highlights 2014-2015 Plan Year2015-2016 Plan Year TRS-AC 1-HD Deductible Employee/Family $2,500/$5,000 Out-of Pocket Maximum* Employee/Family $6,350/$9,200$6,450/$12,900 TRS-AC Select Deductible Individual/Family $1,200/$3,600 Out-of Pocket Maximum* Individual/Family $6,350/$9,200$6,600/$13,200 TRS-AC 2 Deductible Individual/Family $1,000/$3,000 Out-of Pocket Maximum* Individual/Family $6,000/$12,000$6,600/$13,200 Increased out-of-pocket maximums now include Pharmacy copayments, coinsurance, and deductibles (new)

ActiveCare 1-HD and 2 Network vs Non-Network Network: Statewide no need to: Select a Primary Care Physician Obtain referrals for specialist care Receive highest level of benefits: Pay less for care No balance billing No claim forms: Provider files claim for you Non-Network: You pay more of the cost of out-of-network benefits Higher deductibles, coinsurance You may need to file your own claim You could be balance billed for amounts over allowed amount Always verify provider network status

ActiveCare Select Network Only Plan: No need to: Select a Primary Care Physician Obtain referrals for specialist care Two Networks: Aetna Whole Health (ACO) Aetna Select (Open Access) Receive highest level of benefits: No balance billing No claim forms: Provider files claim for you Non-Network: No coverage except in a true emergency Always verify provider network status

ActiveCare Plans

ActiveCare Select Doc Find Aetna Whole Health Network (ACO) Bexar, Comal, Guadalupe, Kendall Aetna Open Access Network Outside ACO Counties Select Plan or Once plan is selected, pop up will appear

Aetna Navigator Check benefits and claims Search for doctors in the network Order additional ID cards, or print a temporary ID card Cost of Care tools Know the cost before you go Aetna Mobile Secure Site Log-in Required Find a network doctor Check your plan coverage Check on a claim Show you ID card Contact TRS-ActiveCare Customer Service iTriage Check a symptom Look up a conditions Find the right doctor Check on ER wait times

Access 24/7/365 ActiveCare 2 and Select plans, Co-Pay Waived ActiveCare 1-HD plan, $40 consultation fee Board certified providers (Family Practice, Internal Medicine, and Pediatrics) Diagnosis and treat common conditions (ie: upper respiratory infection, bronchitis, ear infections, and common cold) Guaranteed member call back within 60 minutes! Prescriptions sent to your pharmacy Alternate option: MDLive

Health and Wellness Resources For personal help with health conditions, challenges and goals Simple Steps To A Healthier Life Aetna Health Connections Beginning Right Maternity Program Aetna Care Advocate Team National Medical Excellence Program 24-Hour Nurse Information Line 1-800-556-1555 Aetna Discount Program Discounts on health-related products/services (e.g., vision and hearing care, gym memberships, weight management, etc.)

Benefit includes both a retail and mail component Caremark has its own mail-order pharmacy

Caremark Service Overview FeaturesActiveCare 1-HDActiveCare SelectActiveCare 2 Drug Deductible (per person, per plan year) Subject to plan year deductible $0 generic; $200 brand $0 generic; $200 brand Retail Short-Term (up to 31-day supply) Tier 1 (Generic) Tier 2 (Preferred Brand) Tier 3 (Non-Preferred Brand) 20% coinsurance after deductible $20 $40* 50% coinsurance $20 $40* $65* Retail Maintenance (after first fill, up to 31-day supply) Tier 1 (Generic) Tier 2 (Preferred Brand) Tier 3 (Non-Preferred Brand) $25 $50* 50% coinsurance $25 $50* $80* Mail Order % Retail-Plus (up to 90-day supply) Tier 1 (Generic) Tier 2 (Preferred Brand) Tier 3 (Non-Preferred Brand) $45 $105* 50% coinsurance $45 $105* $180* Specialty Medications (retail or mail) 20% coinsurance after deductible 20% coinsurance per fill $200 per fill (up to 31-day supply) $450 per fill (32-to 90-day supply)

Caremark Participant Website Check prescription status Download forms My Rx Choices / Price a Medication Locate a participating pharmacy Order mail order refills, receive refill alerts (remaining, last, past due) Pre-log in functions Scan to refill multiple Rx checkout Pill identifier Drug interaction checker After log in functions available Find drug costs Find a pharmacy in network View digital ID card See prescription orders and history Refill prescriptions

JAC will be contribute $341 per employee/ per month. Covered Members Total Monthly Premium JAC Contribution Employee Monthly Cost Employee Semi- Monthly Cost TRS ActiveCare 1-HD Employee Only$341 $0 Employee /Spouse$914$341$573$286.50 Employee /Child(ren)$615$341$274$137.00 Employee /Family$1,231$341$890$445.00 TRS ActiveCare Select Employee Only$473$341$132$66.00 Employee/Spouse$1,122$341$781$390.50 Employee/Child(ren)$762$341$421$210.50 Employee/Family$1,331$341$990$495.00 TRS ActiveCare 2 Employee Only$614$341$273$136.50 Employee/Spouse$1,478$341$1,137$568.50 Employee/Child(ren)$992$341$651$325.50 Employee/Family$1,521$341$1,180$590.00

Valley Baptist Medical Center- Harlingen Valley Baptist Medical Center- Brownsville Harlingen Medical Center- Harlingen Knapp Medical Center- Weslaco McAllen Medical Center McAllen Heart Hospital Doctors Hospital at Renaissance Edinburg Regional Hospital Edinburg Childrens Hospital Cornerstone Regional Hospital Mission Hospital Starr County Memorial Hospital Driscoll Childrens Hospital Our hospital network includes the following: www.allegianhealthplans.com www.allegianhealthplans.com www.allegianhealthplans.com (click on the TRS-ActiveCare Member Tab). www.allegianhealthplans.com

JAC will be contribute $341 per employee/ per month. Coverage Members Total Monthly Premium JAC Contribution Employee Monthly Cost Employee Semi-Monthly Cost Employee Only$413.38$341$72.38$36.19 Employee/Spouse$1,001.88$341$660.88$330.44 Employee/Child(ren)$647.94$341$306.94$153.47 Employee/Family$1,022.16$341$681.16$340.58

Supplemental Benefits Review

Section 125 Plan A Section 125 plan allows an employer to offer employees a choice between taxable and nontaxable benefits. A cafeteria plan is a plan maintained by an employer that provides participants an opportunity to receive certain benefits on a pre-tax basis. Region 20 benefits that qualify for pre-tax deduction are: Accident Cancer Dental Flexible Spending Accounts Medical Reimbursement Dependent Care Reimbursement Health savings accounts Limited Benefit Medical Supplement Medical (TRS-ActiveCare) Vision

HSA Provided by HSA Bank Flex Accounts Provided by NBS MEDLink Supplement (Gap Plan) Provided by American Public Life Accident Provided by American Public Life Cancer Provided by American Public Life Dental Provided by Cigna Disability Provided by UNUM Identity Theft Provided by ID Watchdog Group Term Life and AD&D Provided by Cigna Permanent Life Provided by TexasLife Telehealth Provided by MDLive Vision Provided by Superior Vision Supplemental Benefit Options Benefits effective 9/1/2015 8/31/2016

What is a Health Savings Account (HSA)? An HSA works with a High Deductible Health Plan (HDHP) and allows you to set aside a portion of your paycheck before taxes into a bank account to help you pay for medical expenses before you reach your deductible or that arent covered by your plan. HSA Advantages: Tax-deductible Contributions to the HSA are 100% deductible (up to the legal limit) just like an IRA. 2015 Calendar Year Maximum Deduction $3,350/year single $6,650/year - family Tax-free Withdrawals to pay qualified medical expenses, including dental and vision, are never taxed. Tax-deferred Interest earnings accumulate tax-deferred, and if used to pay qualified medical expenses, are tax-free. HSA money is yours to keep Unused money in your HSA rolls over from year to year; it continues to grow tax-deferred; you can take it with you even if you change jobs. You are eligible to enroll in an HSA if you are enrolled in TRS-ActiveCare 1-HD. Health Saving Account (HSA)

HSA Eligibility & Plan Highlights You must participate in a High Deductible Health Plan (HDHP) to be eligible to contribute to an HSA (TRS-ActiveCare 1-HD). Lump Sum deposits are available as well as monthly contributions through payroll deduction. You will be issued a Visa Debit card you can use to pay for approved medical expenses. An HSA works differently than an FSA - you only have access to the balance of funds in your account (similar to a checking account). Monies are not front-loaded for the year. Youll be given access to a secure, easy-to-use web portal to track your account balance. Request reimbursement distributions online for purchases not made with your debit card (payment will be made based on your available funds). An employee making contributions to an HSA is only eligible to participate in a Limited- Purpose Healthcare Flexible Spending Account (FSA). Health Saving Account (HSA)

An FSA allows an employee to set aside a portion of earnings to pay for qualified expenses such as medical and dependent care. Money deducted from an employees pay into an FSA is not subject to payroll taxes, resulting in payroll tax savings. Advantage of an FSA: plan year funds available when plan begins. Disadvantage of an FSA: Limited to $500 rollover! Plan Year for Flexible Spending Accounts (FSA) 9/1/2015 - 08/31/2016 Web portal for participants to view balance and claim information. Toll Free Number to call and check your FSA balance even after normal business hours by calling 800.274.0503 (must have your social security number). Must re-elect every year will not rollover. Any amount over $500 is lost! Flexible Spending Accounts (FSA)

Flexible Spending Accounts: NBS Plan Year: 09/01/2015 08/31/2016 Medical Reimbursement $2,550/ plan year maximum Advance allowed Dependent Care Reimbursement $5,000/plan year maximum (married filing jointly) $2,500/plan year maximum (filing single) Advance NOT allowed The NBS flex card will be provided to all participants of the Medical Reimbursement Account. The flex card is provided to you at NO COST! Flex cards are valid for 3 years. Remember to keep your itemized receipts in the event you are asked to substantiate a card swipe. Flex Accounts are allowed a maximum of $500 rollover per each plan and amounts must be re-elected every year they will not rollover.

HSA - FSA Comparison Chart 2015 Health Savings Account(HSA) Flexible Savings Account (FSA) Funds (Money in Account) Available as they are deposited (not front-loaded) Money is loaded upfront Underlying Insurance Requirements High Deductible health planNone Max Deductions $3,350 Single $6,650 Family $2,550 (Medical) Year-to-year rollover of account balance Yes$500 Max Account Earns InterestYesNo PortableYesNo Cash-Outs of Unused Amounts (if no medical expenses) Permitted, but subject to current tax rate plus 20% penalty (waived after age 65) Not Permitted

Medical Expense Supplement Gap Insurance Gap Insurance MEDlink - American Public Life Designed to supplement your medical plan. This plan provides supplemental coverage to help offset out-of-pocket costs that you may experience due to deductibles and coinsurance for an inpatient hospital stay. In-Hospital Benefit Pays expenses you incur as an Inpatient (at least 18 continuous hours) up to $1,500 or $2,500 per confinement (based on plan you select). Out-patient Benefit Pays up to $200.00 per treatment in: (Emergency Room, Outpatient Surgery, Diagnostic testing) Physician Benefit Physician visits for sickness, or injury due to an accident: $25.00 per visit, maximum five visits per family per calendar year, for treatment received. (Physicians office, Hospital Outpatient Clinic, Free-standing Emergency Care Clinic)

Accident Plan American Public Life Accident insurance is designed to be a supplement and helps pay for out-of- pocket costs not covered by your medical insurance. This plan pays actual charges per accident (up to $500 maximum) for physicians treatment, surgery, x-rays, reduction of fractures and dislocations or other emergency treatment expenses. There is a $50 deductible for emergency room expenses, per occurrence. Expenses must commence within 60 days of the covered accident. Plan Benefits also Include: $75 Hospital confinement benefit (up to 30 days) Ambulance benefit up to $1,250 (within 21 calendar days of a covered accident) $5,000 Accidental death benefit

Cancer Plan American Public Life Cancer insurance is designed to be a supplement and helps pay for out of pocket costs not covered by your medical insurance. This coverage is offered on a guarantee issue basis, however, no benefits are payable for any loss during the first year of a Covered Persons coverage as the result of a Pre-Existing Specified Disease. Plan Benefit Options: Option 1 (Low Plan): $500/month Radiation/Chemo benefit, and a $100 daily room benefit Option 2 (Low Plan): Option 1 with an Intensive Care Unit Rider Option 3 (High Plan): $1,500/month Radiation/Chemo benefit, and a $300 daily room benefit Option 4 (High Plan): Option 3 with an Intensive Care Unit Rider Standard Benefit in all plans: A $2,500 Lump Sum Critical Illness benefit for Cancer or Heart/Stroke. Reimburses up to $50 per calendar year for each insured person for cancer screening tests. Intensive Care Unit Rider: $600 per day.

There are 3 plan options available: DHMO Plan, Low Dental PPO, and High Dental PPO. PPO High Plan Allows you to visit any dentist! Has a $50 deductible and $1,500 annual maximum benefit. Children under age 19 have a $1,000 lifetime max for Orthodontics. Covers 100% Preventative, 80% Basic, and 50% Major & Ortho. No Waiting Periods. Low Plan (MAC) In-Network is Highly Recommended. Out-of-Network benefits are based on Maximum Allowable Charge (MAC). Patients who visit a non-participating dentist will have a higher balance-billing. The patient will pay the difference between the out of network maximum and the dentists fee. Has a $50 deductible and $750 annual maximum benefit. Covers 100% Preventative, 60% Basic, and 40% Major (No Ortho Benefit). No Waiting Periods. DHMO Plan High quality features & benefits while minimizing employee cost. No waiting periods, no maximums, and a large group of providers. Must see a contracted Cigna Dental Provider designate choice through online enrollment. Dental Plan Cigna JAC Pays $10.80

Designed to provide a monthly income to an individual that is disabled due to an accident or illness. The disability benefit replaces a portion of your pre-disability earnings, less the income you may receive from other sources. The benefit amount is up to 66 2/3% of your monthly earnings. Pre-existing Condition Exclusion (3/12). 0/7* 14/14* 30/30* 60/60 90/90 180/180 * If, because of your disability, you are hospital confined as an inpatient, benefits begin on the first day of inpatient confinement. Disability Plan - UNUM

Identity Theft Protection ID Watchdog This plan monitors your personal information for threats of identity theft: Monthly reporting alerts Full resolution services should your identity be compromised while utilizing IDWatchdog services At the end of open enrollment, IDWatchdog will contact enrollees via email or a letter with instructions on activating your account. Be sure to update your email in the online benefits enrollment system.

Permanent Life Insurance: TexasLife Permanent Life Insurance: TexasLife Voluntary Permanent Life Insurance can be an ideal compliment to your Group Term Life Insurance (Cigna). It is designed to be enforced when you die, is yours to keep, even when you change jobs or retire, as long as you pay the premium. Minimum cash value. Long guarantees. Enjoy the assurance of the policy that has a guaranteed death benefit to age 121. Refund of premium Offers a refund of 10 years premium should you surrender the policy if the premium you pay when you buy the policy is ever increased. Accelerated Death Benefit Should you be diagnosed with a terminal illness, you will have the option to receive a portion of the death benefit. Simplified Medical Underwriting Form (3 questions)

Permanent Life Insurance: TexasLife Permanent Life Insurance: TexasLife Contact FBS (800) 583-6908

Voluntary Group Term Life Insurance - Cigna This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. Employees must elect coverage on themselves in order to cover dependents. The premium you pay for coverage is based on your age each year. Employees may apply for up to 7 times annual salary (up to $500,000) on themselves. You may also insure spouses for up to 100% of the employee benefit, and dependent children up to $10,000. Accidental Death and Dismemberment coverage may also be elected for employee or family coverage (eligible family members are covered at a percentage of the employee face amount). New Hire Guarantee Issue Amounts $200,000 for employee $50,000 for spouse $10,000 for children JAC Pays $10,000

Telehealth - MDLive 24/7/365 on-demand access to affordable, quality healthcare, anytime, anywhere. Offers on-demand access to a national network of board-certified doctors that can diagnose, recommend, and prescribe medication. What can be treated? Allergies Asthma Bronchitis Cold and Flu Ear Infections Joints Aches and Pain Respiratory infection Sinus Problems And More $5.00/semi-month Employee & Family Coverage

In-network co-pay is $10 for exams and $25 for materials. The insured is responsible for paying charges in excess of plan allowances. Out-of-network vision services are reimbursed up to a certain dollar amount for covered expenses. Benefits are covered for Exam, Lenses and Frames once every 12 months. The plan covers contacts in lieu of glasses. Vision Superior Vision JAC Pays for Vision

ID Cards Mailed August 15th Family Style up to five members listed; additional card if needed 24-Hour Nurse Information Line 1-800-556-1555 Customer Service Affordable Care Act (ACA) Jan 1, 2014 Individual mandate for healthcare coverage took effect. Everyone in the U.S. (limited exceptions apply)is required to have health insurance. Penalty applied to federal income tax if not covered by health insurance.

What if I Have Questions? TRS-ActiveCare - Aetna/Caremark 1-800-222-9205 (Mon Fri, 8:00 a.m. 6:00 p.m. CST) Allegian Health Plans 1-855-463-7264 (Mon Fri, 8:00 a.m. 5:00 p.m. CST) Supplemental Benefit Plans - Financial Benefits Services 1-800-583-6908 (Mon Fri, 7:00 a.m. 6:00 p.m. CST) Enrollment Deadline: August 28, 2015 Benefit Elections Effective Benefit Elections Effective September 1, 2015 - August 31, 2016 September 1, 2015 - August 31, 2016

Documents

Benefits Open Enrollment 2015-2016 Jubilee Academic Center Human Resource