Benefits Overview

1. Benefits Overview Presented by NPS Benefits Department

2. General Information • All benefit changes will be effective October 1, 2010 with the exception of Flexible Spending which will be effective on September 1, 2010 • Online enrollment is available beginning June 1, 2010 via www.optimahealth.com/nps; Employer Access Code is SEN1016

3. Health Insurance Reform Updates • Effective October 1, 2010, you will be able to cover your dependents up to age twenty-six on your health insurance, regardless if they are in school, live with you, are married or are offered coverage through their employer. • Effective January 1, 2011, you will no longer be able to use your flexible spending debit card to purchase over the counter medications.

4. Optima Plus POS Deductible of $100/individual or $200/family Highest premium Less out of pocket expense for services Set copays for services Out of pocket max $2500/individual, $5000/family Optima Value POS Deductible of $250/individual or $500/family Lower premium/pay period than Plus Greater out of pocket expense for services Cost sharing on some services; employee is responsible for 20% of cost, Optima is responsible for 80% of cost Out of pocket max $2500/individual, $5000/family Health Insurance • Optima Design HMO • Deductible of $500/individual or $1000/family; pharmacy deductible of $250 on tiers 2-4 • Coupled with NPS supported Health Reimbursement Account (HRA) • Lowest premium • Greater out of pocket expense for services • Cost sharing on some services; employee is responsible for 20% of cost, Optima is responsiblefor 80% of cost • Out of pocket max $4000/individual, $8000/family A discount vision plan is included with all NPS health insurance plans; EyeMed Access Plan $6 discount per pay period for completion of the Health Risk Assessment

5. How the Health Reimbursement Account works… Amount you can choose to contribute to your FSA or leave unfunded. • Due to the larger deductible of $500/individual or $1000/family and the deductible of $250/pharmacy tiers 2-4, the Design HMO plan will be offered in conjunction with a HRA • A HRA is similar to a Flexible Spending Account (FSA); however, a HRA consists of employer dollars & rolls over from year to year. This is dissimilar from a FSA as funds expire at the end of the plan year. • If you cover yourself & child on your health insurance and elect the Design HMO plan, NPS will contribute $500 to your HRA account. If you do not use the $500, those funds will be available for your use again next year. FSA $0-$5000 HRA $500 NPS contribution to your Health Savings Account

6. MyLife MyPlan Rewards is a program designed to offset the cost of medical & pharmacy expenses for employees with certain medical conditions • Optima Health offers programs for the following conditions: • Asthma • Coronary Artery Disease • Congestive Heart Failure • Diabetes • Pregnancy (Partners in Pregnancy program) • Participants can earn up to $560/annually towards medical & pharmacy expenses! • Start earning money today! Enroll by calling 687-6340 or 877-817-3037.

7. Dental Insurance • 608x • Requires that services are performed by a participating network dentist • $10.00 copay office visit • Basic and Major services covered between 65-100% when performed by DHMO dentist • 25% specialist discount • Orthodontia covered at 45% for children & adults • No annual maximum limit • 3.5% increase over current premium • 5 new dentists added effective June 1, 2010

8. Dental Insurance con’t • Basic PPO • Allows services to be performed by any licensed dentist • Basic and Major services covered at 50% • Covers $1000 services/member/year • No premium increase this year

9. Dental Insurance con’t • High PPO • Allows services to be performed by any licensed dentist • Basic and Major services covered between 50-80% • Orthodontia covered at 50% for children • Covers $1500 services/member/year • No premium increase this year

10. Medical Allows employees to set aside pre-tax dollars for eligible post tax medical, dental or vision expenses Funds are available on the first day of the plan year VISA debit card may be used for qualified purchases Annual election may be between $120 and $5000 Use or loose benefit, important to only elect an amount that will be used during the plan year Dependent Care Allows employees to set aside pre-tax dollars for post tax dependent care expenses Childcare & pre-k tuition as well as before & after care Funds must be withdrawn from your paycheck prior to receiving reimbursement Annual election may be between $120 and $5000 Use or loose benefit, important to only elect an amount that will be used during the plan year Flexible Spending Accounts (FSA) Over the counter medications will no longer be able to be purchased with your FSA debit card effective 1/1/2011

11. Benefits without changes: • Long Term Disability insurance • Critical Illness insurance • Optional Life insurance • Long Term Care insurance • The legal benefit has been reduced to one plan, the Comprehensive plan. Employees enrolled in the Access plan will be able to continue their enrollment, Legal Resources will simply discontinue offering this option going forward. • Tax Sheltered Annuities (403(b) and 457 plans) are still offered, but representatives have changed. Please review the most up to date listing on the open enrollment website. • Other changes, those to medical, dental and flexible spending were discussed previously Benefits with changes:

12. If you have any questions, please ask me today, call NPS Benefits at 628-3912, e-mail NPS Benefits at NPS_Benefits_Department@npsk12.com or visit our open enrollment website on or after June 1, 2010; www.optimahealth.com/npsBenefits Team MembersAllison Myers, Senior CoordinatorTracy Munoz, Wellness CoordinatorTamila Freeman, Benefits SpecialistPat Collington, Benefits SpecialistTonae Wiggins, Benefits Assistant