2014 Employee Benefits Review & Open Enrollment

1. 2014 Employee Benefits Review & Open Enrollment William Jewell College October 28th, 2013

2. Today’s Agenda Good News! There are NO benefit changes for 2014!!!

3. Open Enrollment

4. Health Care Reform – What does it mean for me?

6. 2014 Benefit Plans Blue-Care HMO Preferred-Care Blue PPO

7. Your 2014 Medical Plan Options • Blue-Care – HMO (Health Maintenance Organization) • Select a Primary Care Physician (PCP); in-network only; metro Kansas City area coverage only • Preferred-Care Blue – PPO (Preferred Provider Organization) • No selection of PCP; In and Out of Network; National and International Coverage

9. *Copay includes Office Charge & Lab services in Physician’s office or Independent Lab

10. Hospital Locatorwww.bluekc.com

11. Preventive Care: What to Know! Your BCBSKC plans will cover Preventive Care Services at 100%, according to established government guidelines: Annual Physicals Childhood Immunizations Well Women Exams PSA Tests Services MUST be Preventive and received by In-network providers Effective: January1, 2014 Generic Contraceptive drugs at 100% Contraceptive implants, injectables & devices at 100% Breastfeeding support, supplies (pumps) and counseling at 100%

12. Prescription Drug CoverageRetail and Mail-Order – Both Plans Certain drugs may require prior authorization, have quantity limitations or require step therapy (Generics First). Refer to www.BlueKC.com for additional details. 34 day supply In-Network Pharmacy Tier 1: $10 Tier 2: $50 Tier 3: $70 102 day supply Mail-Order Tier 1: $20 Tier 2: $100 Tier 3: $140

13. Urgent Care Receive care for non-life threatening conditions You are responsible for the $60 Urgent Care copaywhen using a Network Urgent Care Facility Use Take-Care Centers or Minute ClinicsNOTthe Emergency Room Outside of the BCBSKC service area? Contact your PCP prior to treatment Emergency Care Go to the nearest Emergency Room or call “911”. Receive treatment and pay the $100 ER copay if treated and released. The ER copay is waived if admitted to an HMO hospital for the same condition within 24 hours. YOU MUST contact your PCP within 48 hours (or as soon as reasonably possible) after you receive medical attention. Need To Know… HMO Blue-Care PlanUrgent Care and Emergency Care Please Login to www.bluekc.comfor a complete list of Urgent Care Facilities in your area.

14. National Network • Access through • BlueCard® • 1,177,194 Physicians • 6,776 Hospitals • Access in ALL 50 States Welcomed in over 200countries Worldwide BlueCard PPO Network Worldwide Network of PPO Healthcare Providers

15. 2014 Wellness Program My Rewards: Members and spouses on the plan can redeem up to a total of $75 when 75 points are achieved.

16. www.bluekc.com View Your Claims, Print a Temporary ID card & Find Added Value Info

17. 24-Hour Nurse Line 877-852-5422 • Access to Care Advisors to help you with symptoms or answer health-related questions • How Can They Help? • Gain convenient access to quality care • Become better informed about healthcare • Gain confidence when speaking to providers • Become educated on self-care for non-urgent situations • Improve knowledge of drugs and medications • 24 hours a day…365 days a year!

18. A value-added program exclusively for Blue KC members. Helping you live healthy means more than regular doctor visits Blue365® is a national program that is part of your Blue KC membership Provides exclusive access to information, discounts, and savings Blue365 can: Add exclusive value-added extras to an already attractive and competitive benefit package Be a strong health and wellness resource Exclusively For Our Members

19. Preferred-Care DentalBluePremier Network

20. Consumer-Driven Tools

21. Flexible Spending Accounts Information + Enrollment = Savings

22. What is an FSA anyway? An FSA adds spendable income and covers many expenses. You may redirect part of your paycheck into a pretax account. FSA Benefit Buckets Available: IRS Determines Limits 1- HEALTHCARE FSA: Medical, Dental, Vision, Pharmacy & approved OTC. $2,500 and/or 2- DEPENDENT CARE FSA: Daycare expenses. $5,000 You can participate in one or both types of FSA

23. How will it benefit me? • Paycheck Advantages: • - Increased take-home pay • - Lower income taxes • $$ Double benefit $$ • Average family of four in the U.S. can save hundreds of dollars in taxes. …. • Immediate availability of Healthcare account funds

24. Expenses covered? • Medical & Dental • Deductibles & co-pays • Prescription drugs • Vision (exams, glasses, laser eye surgery, contact lens solution) • Diabetic supplies • Hearing Aids • Medical travel expenses • Chiropractic services • Dental (cleanings, fillings, orthodontia, dentures) • And many more! *Over the counter….what qualifies…. • Dependent Care • Daycare (child under age 13) • Private Nanny or Babysitter • Adult Daycare

25. How to submit claims • Option 1: The Benny Card. The card is used at the point of service at hospitals, doctor’s offices and pharmacies. The card cannot be used to purchase over-the counter medication without a prescription. Save all receipts as you may be asked to substantiate your expense. Keep your Benny Cards! • NEW !! Grace Period is now available on Benny Card Swipes and Manual Claims for 75 days • For the 2013 plan year, the last day to use your 2013 funds is March 16, 2014 • For the 2014 plan year, the last day to use your 2014 funds is March 16, 2015 Option 2: Paper Claims. Fax or mail a claim form to Phillips Resource Network with an Explanation of Benefits (EOB) and/or receipt. Receipts must include a patient name, date of service, type of service and dollar amount. 2014 PLAN YEAR: On January 1, 2014, your Benny Card will be loaded with your new plan year dollars. Please DO NOT use your card to go back and pay for any services in 2013 past the 75 days. 2013 PLAN YEAR: 75 day extension on allowable expenses with an additional 30 days to submit claims from any monies remaining from the 2013 bucket. Services must be incurred while actively employed and will be applied to the applicable plan year.

26. Things to remember… • Choose plan election amounts carefully • Use it or Lose it Rule • Contribution amounts can only be changed during the plan year due to a qualifying event(i.e., marriage or birth of a child) • Expenses are reimbursed through an FSA after they are incurred; pre-payments are reimbursed as services are received • Participation at any level will increase your take home pay!

27. We’re here to help! PLEASE DIRECT QUESTIONS TO PHILLIPS RESOURCE NETWORK, INC. OUR PHONE NUMBER AND EMAIL ADDRESS IS ON EVERY CLAIM FORM. REMEMBER BY ENROLLING IN THIS PLAN, THE MONEY YOU REDIRECT IS NOT SUBJECT TO FEDERAL, STATE, OR SOCIAL SECURITY TAXES! Every employee must complete a 2014 FLEX form even if waiving coverage or not making any changes

28. William Jewell CollegeEmployer Paid Benefits(All Full-Time Employees and All Regular Part-Time Employees and Adjunct Faculty who are enrolled in the Employer’s Group Health Plan) Basic Life Insurance • 1 times annual salary for employees • $50,000 minimum amount to $150,000 maximum Dependent Life Insurance • $2,000 benefit for spouse • $1,000 benefit for children from 14 days to 20 (26 if full time student) years of age Basic Accidental Death and Dismemberment • $25,000 for employees Long Term Disability • 60% of monthly salary to $5,000 maximum monthly benefit • Payable after 120 days of disability • Payable to later of age 65 or SSNRA

29. William Jewell College Voluntary (Employee Paid) Options(All Full-Time Employees and All Regular Part-Time Employees and Adjunct Faculty who are enrolled in the Employer’s Group Health Plan) Voluntary Life • Choice of $10,000 increments of coverage for yourself not to exceed the lesser of 5 times salary or $500,000 maximum benefit for employees. • Choice of $5,000 increments of coverage for your spouse not to exceed ½ of employee amount or $250,000. • Choice of $2,500 increments of coverage for children after 6 months of age to a maximum benefit of $10,000. • You or your spouse may elect or increase coverage by one or two increment levels on a guaranteed acceptance basis during your company’s defined annual open enrollment period, provided that you or your spouse have not been previously declined for coverage or withdrawn a previous application for coverage. Voluntary AD&D • Choice of $25,000 increments of coverage not to exceed 10 times salary or $500,000 maximum benefit for the employees on the Employee Only Plan or Family Plans • If elected, Spouse is provided 60% of employee amount when Children are not covered on the Family Plan. • If elected, Spouse is provided 50% of employee amount and Children are covered for 10% of the employee amount (not to exceed $15,000) when all are covered on the Family Plan. • If elected, Child is provided 15% of employee amount (not to exceed $15,000) if only Children are covered on the family plan. • There is an annual open enrollment for coverage on Voluntary AD&D.

30. EyeMed Exam & Materials Plan

31. EyeMed Materials Only Plan

32. EyeMed – Providers One of the largest, and most diverse vision panels Includes thousands of private practice optometrists, ophthalmologists and opticians Composition of panel – 75% independent, 25% retail Includes the nation’s top optical retailers, including:

33. Online Management for Members • Once registered online at www.eyemedvisioncare.com the member will be able to: • Locate a provider – choose the “Select” network • View benefit details • Order replacement ID card • View claims

34. Voluntary Short-Term Disability • Guaranteed-issue Short-Term Disability • Guaranteed, renewable to age 70 • Benefits paid regardless of any other insurance • 3-Month Benefit for illness or off-the-job accident • $500 to $3000 in monthly benefit guaranteed issue • Waiting period defined by each individual’s needs • Partial disability benefit • Payroll deduction

35. Income Replacement Example Jewell employees are provided long-term disability that begins after 120 days for an illness or off-the-job accident. Aflac short-term disability can be purchased to provide income replacement for the first 90 days, reducing the income gap to only 30 days

36. Example: $34,000 Annual SalaryAge: 18 - 49 • 14/14 • 14 calendar days waiting for an off-the-job accident • 14 calendar days waiting for an illness • 3 Month Benefit period • Qualify for $1,700 Monthly Benefit • $28.73 monthly premium

37. Example: $50,000 Annual SalaryAge: 18 - 49 • 14/14 • 14 calendar days waiting for an off-the-job accident • 14 calendar days waiting for an illness • 3 Month Benefit period • Qualify for $2,500 Monthly Benefit • $42.25 monthly premium

38. Commerce BankSpecial employee banking benefitsNo ATM fee when using the on-campus ATM located in Yates-Gill College Union

39. IMPORTANT • Forms to turn in: • 2014 FLEX form • Any changes to other benefits* • Open Enrollment: October 28th through November 15th • ALL applications and changes must be turned in no later than November 15th to the Office of Human Resources • *Examples of changes include: • Changing plan options • Adding or Removing dependents • Address or phone number changes • Changing beneficiary designation • If you have any additional questions please contact the Office of Human Resources.