2013 Benefit Options Presentation

1. 2013 Benefit Options Presentation Plan Year January 1 through December 31, 2013

2. The Employee BenefitOptions Guide • How to access the Guide: • View the Guide on the OSEEGIB website at www.sib.ok.gov or www.healthchoiceok.com • Complete the online request to get one by mail • Contact your Insurance Coordinator • Contact OSEEGIB Member Services

3. Topics • 2013 Plan Changes • Health Plans • Dental Plans • Vision Plans • HealthChoice Life Insurance Plan • Eligibility

4. For More Information • 2013 Employee Benefit Options Guide • Frequently Asked Questions at www.sib.ok.gov or www.healthchoiceok.com • Plan websites and customer service representatives • Your Insurance Coordinator • OSEEGIB Member Services

5. Index • Click the links below to access a particular section of this presentation. • 2013 Plan Changes • HealthChoice Health Plans • Dental Plans • Vision Plans • HealthChoice Life Insurance Plan • Eligibility

6. 2013 PLAN CHANGES

7. Eligibility Changes There are no eligibility changes for plan year 2013.

8. HealthChoice Plan Changes • Tobacco-free Attestation • To enroll in or remain enrolled in the HealthChoice High or Basic Plan, you must attest that you and your covered dependents are tobacco-free • The Attestation is available: • On the OSEEGIB website • By calling HealthChoice Member Services

9. HealthChoice Plan Changes • If you cannot complete the Attestation, you must either: • Enroll in the quit tobacco program AND complete three coaching calls, or • Provide a letter from your doctor indicating it is not medically advisable for you or your dependent to quit tobacco. • If you do not complete the Attestation or complete one of the reasonable alternatives as defined previously, you will be enrolled in the HealthChoice High Alternative or Basic Alternative Plan with a higher deductible and out-of-pocket limit.

10. Dental Plan Changes • HealthChoice Dental • Plan year maximum is increasing to $2,500

11. Vision Plan Changes NEW! • Superior Vision • $25 copay for standard progressive lenses in-Network; plan pays up to $49 out-of-Network • 5% to 50% discount off surgical fees for laser vision correction

12. HealthChoice Life Insurance Plan Changes • There are no changes to the HealthChoice Life Insurance Plan for Plan Year 2013 • Continue • Return to Index • End Presentation

13. HEALTHCHOICEHEALTH PLANS

14. Click here to view HealthChoice plan changes • Available Plans • HealthChoiceHigh • HealthChoice High Alternative • HealthChoice Basic • HealthChoice Basic Alternative • HealthChoice S-Account • HealthChoice USA • Using a HealthChoice Network Provider will lower your out-of-pocket costs.

15. High • When using a Network Provider: • $30 copay for primary care office visits • $50 copay for specialist office visits • Annual deductible $500 for an individual or $1,500 for a family • Plan pays 80% and member pays 20% of Allowed Charges up to the out-of-pocket limit of $2,800 for an individual or $8,400 for a family

16. High Alternative • When using a Network Provider: • Benefits the same as High Plan except deductible and out-of-pocket limit • Annual deductible $750 for an individual or $2,250 for a family • Plan pays 80% and member pays 20% of Allowed Charges up to the out-of-pocket limit of $3,050 for an individual or $9,150 for a family

17. Basic • When using a Network Provider: • Office visit copays do not apply • Plan pays first $500 then member pays next $500 as deductible; $1,000 deductible for a family of two or more • Plan then pays 50% until the out-of-pocket limit is met; $5,500 for an individual or $11,000 for a family • Plan then pays 100% of Allowed Charges

18. Basic Alternative • When using a Network Provider: • Office visit copays do not apply • Plan pays first $250 then member pays next $750 as deductible; $1,500 deductible for a family of two or more • Plan then pays 50% until the out-of-pocket limit is met; $5,750 for an individual or $11,500 for a family • Plan then pays 100% of Allowed Charges

19. S-Account • Plan designed for members with a Health Savings Account (HSA) • When using a Network Provider: • Combined $1,500 deductible for an individual and $3,000 for a family* • Entire deductible must be met before benefits are paid (including prescriptions) • $50 copay for office visits • The calendar year out-of-pocket limit is $3,000 for an individual or $6,000 for a family • *Individual deductible does not apply if two or more family members are covered.

20. USA • For members who live and work outside of Oklahoma and Arkansas for more than 90 consecutive days • Benefits are the same as the HealthChoice High Plan • Members have access to the USA Plan’s nationwide provider network

21. Network Pharmacy Benefits • Prescriptions can be filled at HealthChoice Network Pharmacies • Benefits are the same for all plans; S-Account members must meet the Plan deductible before benefits are paid • You are responsible for the cost difference when choosing a brand-name if a generic is available

22. Network Pharmacy Benefits • When purchasing up to a 30-day supply: • Generic – cost of medication up to a $10 copay • Preferred brand-name – maximum copay of $30 • Non-Preferred brand-name – maximum copay of $60

23. Network Pharmacy Benefits • When purchasing up to a 90-day supply • Generic – cost of medication up to a $25 copay • Preferred brand-name – maximum copay of $60 • Non-Preferred brand-name – maximum copay of $120 • 90-day fill does not apply to medications with quantity or dosage limits

24. Network Pharmacy Benefits • Certain prescription tobacco cessation medications for a $0 copay • A calendar year pharmacy out-of-pocket limit of $2,500 per person (does not apply to S-Account Plan) • Specialty medications must be purchased through Accredo Health, the HealthChoice specialty care, delivery service pharmacy • Continue • Return to Index • End Presentation

25. DENTAL PLANS

26. Dental Plans Available • Assurant Freedom Preferred • Assurant Heritage Plus with SBA (Prepaid) • Assurant Heritage Secure (Prepaid) • CIGNA Dental Care Plan (Prepaid) • Delta Dental PPO • Delta Dental Premier • Delta Dental PPO – Choice • HealthChoice

27. Dental Benefits • All the dental plans have the same core benefits which are divided into four different classes: • Preventive Care includes cleanings, bitewing x-rays, and routine oral exams • Basic Care includes fillings, extractions, root canals, endodontics, and periodontics

28. Dental Benefits • Major Care includes dentures, bridgework, crowns, and implants • Orthodontic Care* is covered for members under age 19 and members age 19 or older with temporomandibular joint dysfunction (unless otherwise noted) * HealthChoiceand Assurant Freedom Preferred have a 12-month waiting period for orthodontic care unless you provide proof of prior group dental coverage.

29. Freedom Preferred Dental Plan • Preventive Care is covered at 100% • A $25 deductible applies to Basic and Major Care. • After the deductible: • Basic Care is covered at 85% • Major Care is covered at 60% • Orthodontic Care under age 19 covered at 60%; lifetime maximum benefit $2,000 • All other services have a combined $2,000 maximum annual benefit

30. Heritage Plus with SBA Dental Plan • No deductible or annual maximum for general dentist • You must select a Primary Care Dentist for each covered person • Preventive Care is covered at 100% • Copay schedule applies to other services • Orthodontic Care for children and adults • The Special Benefit Amendment provides an additional discount for network specialists

31. Heritage Secure Dental Plan • No deductible or annual maximum with general dentist • You must select a Primary Care Dentist for each covered person • Preventive Care is covered at 100% • Copay schedule applies to other services • Orthodontic Care for children and adults

32. Dental Care Plan • No deductible or maximum annual benefit • You must select a Primary Care Dentist for each covered person • After a $5 copay, routine cleanings, x-rays, and evaluations are covered at 100% • A copay schedule applies to other services, including specialist care • Orthodontic Care for children and adults

33. Delta Dental PPO • Preventive Care is covered at 100% • $25 annual deductible for Basic and Major Care • Preventive Care is covered at 100% • Basic Care is covered at 85% • Major Care is covered at 60% • Orthodontic Care for children and adults is covered at 60% with a$2,000 lifetime maximum benefit • $2,500 maximum annual benefit for other services

34. DeltaDental Premier • A $50 combined deductible applies to Diagnostic, Preventive, Basic, and Major Care • Preventive Care is covered at 100% • Basic Care is covered at 70% • Major Care is covered at 50% • Orthodontic Care for children and adults is covered at 60% with a lifetime maximum of $2,000 • $3,000 maximum annual benefit

35. Delta Dental PPO – Choice • You must select a Primary Care Dentist for each covered person • No deductible for Preventive or Basic Care • $100 deductible for Major Care • Copay schedule for all other services • Orthodontic Care for children and adults has a maximum lifetime benefit of $1,800 • $2,000 maximum annual benefit for Preventive, Basic, and Major Care

36. Dental • When using a Network Provider: • Preventive Care is covered at 100% • A $25 deductible applies to Basic and Major Care • Basic Care is covered at 85% • Major Care is covered at 60% • Orthodontic Care is covered at 50% —no lifetime maximum • A $2,500 calendar year maximum applies to all other services • Continue • Return to Index • End Presentation

37. VISION PLANS

38. Vision Plans Available • Humana CompBenefitsVisionCare Plan • Primary Vision Care Services (PVCS) • Superior Vision Plan • United Healthcare Vision • Vision Service Plan (VSP)

39. Vision Plans Overview • Each vision plan has its own provider network • A copay schedule for services and materials • The toll-free number and website address of each plan is listed in the Employee Benefit Options Guide • Contact each vision plan for specific benefit questions

40. When using an in-network provider: • $10 copay for an annual eye exam • $25 copay for lenses and frames; one pair per year • Discounts are available for other vision services and lens options • Contact lenses are available instead of glasses; $130 allowance • Discount through TLC for laser surgery

41. When using an in-network provider: • There is no copay or limit on the number of eye exams • Lenses and frames are sold at wholesale cost • There is no limit on the number of pairs of glasses • Benefits available for contact lenses • Discount through TLC for laser surgery

42. When using an in-network provider: • $10 copay for eye exams; one per year • $25 copay for lenses and frames; one pair per year • Contact lenses – available instead of glasses; $25 copay/standard fitting then plan pays 100% or $25copay/specialty fitting then plan pays up to $50 • Discounts available for other vision services and lens options, including laser vision correction

43. When using an in-network provider: • $10 copay for eye exams; one per year • $25 copay for lenses and frames; one pair per year • Lens UV coating and tints are covered in full • Contact lenses are available instead of glasses • Discounts available for other vision services and lens options including laser vision correction

44. When using an in-network provider: • $10 copay for eye exams; one per year • $25 copay for lenses and frames; one pair per year • No copay for contact lens exam with network provider • Contact lenses are available instead of glasses • Discounts are available for glasses and other vision benefits, including laser vision correction • Continue • Return to Index • End Presentation

45. LIFE INSURANCE PLAN

46. Employee Life • Basic and Supplemental Life for You • First $20,000 of life coverage (Basic Life) • All additional coverage is known as Supplemental Life • $500,000 of Supplemental Life coverage is available with an approved Life Insurance Application • Basic Life and the first $20,000 of Supplemental Life include Accidental Death and Dismemberment (AD&D) benefits

47. Employee Life • During initial enrollment: • You can enroll in Guaranteed Issue (two times your annual salary rounded up to the next $20,000) without a Life Insurance Application • You can apply for amounts above Guaranteed Issue; a Life Insurance Application is required

48. Employee Life • During Option Period: • You can enroll in Basic Life • You can enroll in Supplemental Life • You can enroll in up to $500,000 of Supplemental Life insurance coverage • An approved Life Insurance Application is required

49. Beneficiary Designation • Keep your beneficiary designation up-to-date • Beneficiaries can be changed at any time • Review your beneficiaries if you have a change, such as a marriage, divorce, death of a family member, or birth of a child • Beneficiary Designation Forms are available online, from your Insurance Coordinator, or by calling OSEEGIB Member Services

50. Dependent Life You must be enrolled in Basic Life coverage to enroll your eligible dependents in Dependent Life. Premier Option Spouse $20,000 Child $10,000 Standard Option Spouse $10,000 Child $5,000 Low Option Spouse $6,000 Child $3,000 All three options offer $1,000 of coverage for dependents under six months of age. • Continue • Return to Index • End Presentation