Open Enrollment Presentation for Milpitas Christian Schools Presented by

1. Open Enrollment Presentation for Milpitas Christian Schools Presented by

2. BenefitEdge Insurance Services, Inc. (888) 995-EDGE (3343) (408) 995-EDGE (3343) www.benefitedge.net Lic#0F37564

3. Who is BenefitEdge Insurance? We are the Benefits Broker for your Medical, Dental, Vision, Life, LTD, LTC Insurance Plans We will work in support of your HR team to resolve any benefits related issues throughout the year

4. Reminder for 2010 Website: www.mcsihr.com Email: mcsi@benefitedge.net

5. 2010 Benefit Enhancements Changing dental, vision, life, and LTD/STD to Guardian – larger network, better plan design. All benefit eligible employees will receive $25,000 of basic life insurance Voluntary life insurance with guarantee issue up to $100,000. MCSI will contribution $50 per month for employees that choose a Health Savings Account Plan

6. Medical Insurance This is our open enrollment period and your opportunity to make changes to your plans. Any requested changes after open enrollment will require a “qualifying event”. Any changes will take effect on July 1, 2010.

7. Medical Insurance There are currently medical insurance plan options provided through two different insurance carriers – Kaiser Permanente & HealthNet

8. Medical Insurance - HMO Kaiser plan, you have to use their facilities HealthNet HMO - You must use a primary care physician (PCP) for each of your family members Your PCP will provide all of your routine care and with a few exceptions, must provide a referral in order for you to receive care from a specialist

10. Medical Insurance - PPO • HealthNet – With the PPO plan you can see any doctor of your choice and will save money using a contracted provider • You have access to a larger network of doctors and it also allows you to use non-contract physicians at a reduced coverage level • You do not need a referral to use a specialist. You may “self direct” your care as needed

12. Health Savings Account (H.S.A.) What is an H.S.A? Health Savings Accounts are tax-exempt accounts where funds grow to pay for medical expenses. They were created to help give control back to consumers and lower healthcare costs.

13. Health Savings Account (H.S.A.) 2 Parts A High Deductible, IRS Approved Health Plan A Health Savings Account (Bank Account) Intended to cover serious illness or injury once the deductible has been met. Used to cover all IRS approved medical expenses until the deductible is met.

14. Part 1

15. Part 1

16. Part 2 Health Savings Account (H.S.A.) • Funds deposited and not used remain in your account and they roll over every year • Your H.S.A. funds can be used for any medically necessary expenses per IRS rules.

17. Part 2 • Health Savings Account (H.S.A.) • Who is Eligible? • Members covered by an HSA-compatible, IRS approved plan • Who is Not Eligible? • Anyone enrolled in Medicare or 65 or older • If you are claimed as a dependent on another person’s tax return

18. Part 2 APPENDIX: SAMPLE OF HSA QUALIFIED EXPENSES (Short List) Source: IRS Code Sec 213(d) Publication 502 (WWW.IRS.GOV) Acupuncture Chiropractic Blood tests Blood transfusions Contact Lenses Dental, Dental X-rays, Dentures Drugs (prescription)  Eyeglasses Gum treatment ***Also pays for COBRA, long term care and Medicare part B & D premiums. Hearing aids Hospital bills Insulin Lab tests Optician Optometrist Oral surgery Prenatal care Psychotherapy Vaccines Vitamins (if prescribed) X-rays

19. Part 2 Accessing Funds • Signature Based Debit Visa Card • Received 2-3 weeks after account set up • Online Access • Track deposits, balances, and claims

20. Part 2 Health Savings Account Limits • MCSI will deposit $50 per month into your HSA bank account

21. HSA Comparison • Items for Consideration before making a change: • Your monthly contributions from your paycheck • Amount you typically spend out of pocket on your medical expenses per year • Medical plan deductible • Medical plan out-of-pocket maximum

26. New Dental Carrier – Guardian • Dental PPO • $50 deductible which is waived for preventive care. • Calendar year annual maximum is $3,000 in-network and $2,000 out-of-network • Preventive services are covered at 100% • Orthodontia Benefit for Adult and Children

27. New Dental Carrier – Guardian • Dental PPO • $50 deductible which is waived for preventive care. • Calendar year annual maximum is $3,000 in-network and $2,000 out-of-network • Preventive services are covered at 100% • Orthodontia Benefit for Adult and Children

28. New Dental Carrier – Guardian • Dental PPO • $50 deductible which is waived for preventive care. • Calendar year annual maximum is $3,000 in-network and $2,000 out-of-network • Preventive services are covered at 100% • Orthodontia Benefit for Adult and Children

29. * Subject to UCR (Usual, Customary, Reasonable)

30. New Vision Insurance – Guardian VSP

31. New Life Insurance – Guardian • MCSI will provide $25,000 of Basic Life Insurance for all Employees.

32. New Voluntary Life Insurance – Guardian • Additional life insurance up to $300,000 • Guarantee issue up to $100,000, any amount above $100,000 will be subject to underwriting • Life insurance available for spouse and children • Employee paid through payroll deductions

33. New LTD and STD Carrier - Guardian

34. Long Term Care Insurance • Covers Expenses In the Event You are Disabled and Need Assistance With the Functions of Daily Life • Base Plan Provided By Milpitas Christian School After 10 Years of Service • You Can Increase the Coverage Level on a Voluntary Basis and Contribute the Difference in Premium • You May Also Purchase Voluntary Coverage Prior to Your 10 Year Anniversary

35. Voluntary Benefits

36. Pre-Paid Legal Services • Unlimited letters written on your behalf • Direct access to a local law-firm • Various of hours of legal support based upon your total length of time with PPL

37. Five Common Types of Identity Theft Social Security Medical Character/ Criminal Drivers License Financial

38. Identity Theft Response • Monitor your credit on a monthly basis • Identifies possible breeches in your identity • If identity is stolen will work to repair your credit

39. Pre-Paid Legal and Identity Theft Cost • Prepaid Legal - $15.95 per month • Identity Theft - $12.95 per month • Both - $25.90 per month

40. Flexible Spending Account - FSA

41. Thank you for your time. Please make sure to submit your changes before May 21 to Leslie. We look forward to serving you and helping with any benefit related issues. Please don’t hesitate to call.

42. Frequently Asked Questions: • How long will it take to receive my cards? It will take 2-3 weeks • What if I need to see a Doctor? If you need to see a Doctor before you receive your member cards, you may have your doctor contact our office to verify coverage. Also, the temporary card will suffice until the permanent one arrives. • What if I need a prescription? Try to refill prescription prior to June 30 if you are changing plans or carriers. If you need a prescription before you receive your member cards, you may need to pay the cost of the prescription and then do one of the following; • If you receive your member card with 1-2 weeks of purchasing the prescription, most pharmacies will allow you to present your member card and they will provide you with a refund. • If the pharmacy will not refund your cost, you can submit a claim directly to the insurance carrier. We will provide you with the claim form and assist you.