Waco ISD 2013 Open Enrollment

1. Waco ISD 2013 Open Enrollment GHC24354 02/12

2. Agenda • 2013 Medical Benefits • Vision Plan • Humana Resources

3. 2013 Medical Plans

4. Humana NPOS HDHP with HSA

5. How the High Deductible Health Plan works • The High Deductible Health Plan has two key components: • Integrated deductible: medical and prescription costs apply to the same deductible • Coinsurance: once the deductible is met, the plan pays coinsurance – a percentage of your health care costs • Other High Deductible Health Plan features: • For family coverage, costs for all covered members apply to same aggregate deductible • Includes coverage for preventive care services at no cost regardless of whether the deductible is met

6. Background on Health Savings Accounts • A Health Savings Account, or HSA, is a financial account used to pay for qualified medical expenses. • HSAs combine the benefits of both traditional and Roth 401(k)s and IRAs for medical expenses. • Taxpayers receive a 100% income tax deduction on annual contributions, they may withdraw HSA funds tax-free to reimburse themselves for qualified medical expenses, and they may defer taking such reimbursements indefinitely without penalties. • HSAs are unique—“IRAs on Steroids”—with triple tax advantages: • Tax-deductible contributions • Tax-free accumulation of interest and dividends tax-free, and • Tax-free distributions for qualified medical expenses. • 2013 Max Contribution: Individual $3250 / Family $6450 • Catch up Contribution (if age 55 or older) additional $1000 per year

7. Contributing money to an HSA • It’s a fund you can use to cover your qualified healthcare costs • Humana oversees the administration of both your plan and the HSA, which is managed by our partner bank, UMB • Receive a Humana Access card to use as payment for qualified expenses • You, your employer, and anyone else can contribute to your account • Once money goes into the account, it’s yours forever • Unused money carries over from year to year (unlike FSA - use it or lose it) • If you leave your current employer, HSA funds can stay in the same account or roll into another HAS • HSA contributions are credited to account monthly, not lump sum at beginning of year like an FSA • IRS Rule - You cannot contribute to an HSA unless you are enrolled in an HDHP * Please refer to IRS.gov or your Humana enrollment packet for detailed tax and HDHP/HSA information.

8. Humana NPOS 70/50 Copay Plan

9. Humana NPOS Simplicity PlanCopays Only – No Deductibles or Coinsurance!

10. Humana NPOS 80/50 Copay Plan

11. Pharmacy Benefits

12. Women’s Preventive Care Updates for 2013

13. Vision Plan Automatically included to ALL Waco ISD Humana medical members at no additional cost!

15. Pharmacy Tools Access RightSource Rx registration and maintenance information Compare drug costs and view alternative medications View prior authorization requirements Locate local pharmacies Maximize your benefit

16. Physician Finder • Go to www.humana.com • Under Resources and & Support tab, click on “Find a Doctor” • Under Type of Coverage, ensure Employer Group Plan is selected, input zip code • For network, please select National Point of Service- Open Access • Agree to terms, select parameters and go!

17. Concentra in Waco Save Money on Urgent Care

18. Humana Vitality Comprehensive wellness program Integrates rewards with health and wellness Provides the tools and support necessary to help Humana members live healthier lives. Humana Vitality members rewarded for making healthier choices, i.e. attending preventive screenings, exercising regularly and quitting smoking.

19. Clinical Program available for Humana Members Programs available: Asthma Diabetes Heart Disease Pregnancy Renal Failure Ask a Humana representative today about getting involved in these programs

20. Get Engaged: Member Communications Humana will be reaching out to members using various communication methods: Phone Calls directly to member’s homes Email communication regarding preventive reminders, clinical programs available, etc. Plan Professor Newsletters Member Welcome Guide Maximize your benefit Smart EOB

21. Questions