2013 annual enrollment and benefit changes for u.s. employees october 5, 2012

2013 Annual Enrollment and

Benefit Changes for U.S. Employees

October 5, 2012

2013 Benefits and Annual Enrollment

Over the next 45 minutes… Our Benefits Philosophy Benefits Partner Changes Overview of Benefits for 2013 Benefit Program Changes Benefit Plan Basics Annual Enrollment Process Retirement Benefits Additional Questions

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Our Benefits Philosophy

Our benefits philosophy Provide a comprehensive package of benefits Provide a high quality customer service experience Foster better health care decision-making through plan design Encourage appropriate benefit choices Provide plan design and cost that are at market median Those who use more health care benefits will pay more

Our benefits program is based on caring for your total health, and we are committed to: Provide benefits that support personal, physical and financial health for

you and your family Offer wellness programs, tools and resources to help enhance your life Establish customer service and health advocacy as a priority

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Your Commitment

Your commitment to use what we provide to: Take care of yourself

Wellness and Incentive program details will be mailed to your home address in November

Make informed benefit choices 2013 Benefits Enrollment Guide Medica’s Cost Advisor tool

Make informed personal, physical and financial health decisions Utilize Medica’s health coach program to get you started

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Benefit Partner Changes Medica will replace Aetna as our medical plan administrator

Medica partners with United HealthCare (UHC) to provide networks across the U.S.

Better customer service Goal of getting you the right answer

Delta Dental will become our new dental plan administrator Same PPO-type of plan as now, with similar benefits Larger provider network Enhanced customer service

OptumHealth Bank is our new HSA provider Your contributions and the H.B. Fuller contribution will be deposited to

your new HSA with OptumHealth beginning January 1. If you keep your J.P. Morgan Chase HSA you will be responsible for

fees associated with that account. There are several ways to transfer existing balances from J.P. Morgan

Chase to OptumHealth Bank. You will receive additional information by mail to your home address.

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Overview of Benefits for 2013

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Value 750 Option High Deductible with HSA optionIn-network Out-of-network In-network Out-of-network

Annual Deductible$750 Single

$1,500 Family$1,500 Single$3,000 Family

$2,000 Single$4,000 Family


Company-funded HSA N/A$500/Single

$1,000 Employee + 1 & Family(paid per pay period throughout 2013

Out-of-pocket maximum (includes deductible & coinsurance





Primary Care Physician Office Visit

$40does not apply to deductible and out-of-pocket maximum

You pay 40% after deductible

Plan pays 80% after deductible


Specialist Office Visit$40

does not apply to deductible and out-of-pocket maximum




Preventive carePlan pays 100%; no

deductibleNo coverage

Plan pays 100%; no deductible

No coverage

Emergency carePlan pays 80% after deductible and $150*

copaymentCovered as in-network


Covered as in-network

Outpatient surgeryPlan pays 80% after

deductiblePlan pays 60% after



deductible

Medical Plan Design


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Value 750 Option High Deductible with HSA Option

In-network Out-of-network In-network Out-of-network

Retail Prescription Drugs(Cost shown is for a 31-day supply. You can also get a 93 day supply at retail at 3x cost shown)

Tier 1:$10 or the cost of the drug if less

than $10Tier 2:

You pay 30% (minimum $25/maximum $50)

Tier 3:You pay 50% (minimum

$65/maximum $130)


You pay 20% after deductible for Tier 1 and Tier 2.

You pay 40% after deductible for Tier 3.


Specialty Pharmacy

Tier 1 and Tier 2: You pay 50% (maximum $200)

Rx costs do not apply toward deductible or out-of-pocket max

No coverageTier 1 and Tier 2: You pay 20%

after deductibleNo coverage

Mail Order Drugs(93 day supply)

You pay 2 copays for a 93-day supply for the same drug

Rx costs do not apply toward deductible or

Out-of-pocket max

No coverage You pay 20% after deductible No coverage

Prescription Drug Benefits


Premium Rates Changing medical and dental plan premiums to align rates with the

cost of providing coverage for family members

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Value 750 Option High Deductible with HSA Option

Premium Bi-weekly Monthly%

ChangeBi-weekly Monthly

% Change

EEEE + Spouse or Domestic PartnerEE + Child(ren)EE + Family*

$35.54 $82.15 $72.92$119.54

$77.00$178.00$158.00$259.00

8.8%14.7%

(20.9%)9.8%

$28.15$66.00$58.15$96.00

$61.00$143.00$126.00$208.00

(5.7%).8%

(29.0%)(3.7%)

Delta Dental PPO

Bi-Weekly Monthly % ChangeEE $5.08 $11.00 0%EE + Spouse or Domestic Partner $9.69 $21.00 0%EE + Child(ren) $10.62 $23.00 0%EE + Family* $14.77 $32.00 0%

* Family includes spouse or domestic partner and child(ren)

Benefit Program Changes

2013 Government Mandated Benefit Changes Women’s health preventive care covered at 100% W-2 Reporting Summary of Benefit Coverage (was sent 10/1 with Enrollment

materials) Maximum you can contribute to an HSA in 2013 is increasing to

$3,250 for employee and $6,450 for employee plus one or more If you are age 55 or older, you may contribute an additional $1,000 to

your HSA Maximum you can contribute to a Health Care Flexible Spending

Account is decreasing to $2,500 per IRS rules

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Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.

WELCOME TO MEDICA!


About MedicaOur market standing

• Online• Personal Health

Profile• My Health Rewards

• Pharmacy• Nurse line• Main Street Medica

• Rewards• Transparency• Improved Health

• Lifestyle• Condition Support

Medica has been in business more than 37 years.

Provide health coverage and related services to approximately 1.5 million members

Fastest growing health plan 2001-2011: 80% growth

Medica Health Plan: A Rated*

*Weiss Rating, Inc. rates health insurers on financial strength and stability


LET’S GET STARTED


Medica Choice® Passport

>670K National providers

>5K National hospitals

>60K National pharmacies


Medica Choice® Passport Network

National provider network See any network doctor without a referral

• Medica Choice Passport• UnitedHealthcare Choice

Plus


BENEFITS OVERVIEW


Your Summary of Benefits Choice Passport


Benefit Program ChangesMedical Plan Administration Adopted many Medica standard practices

No specific age or frequency limits for preventive care, instead, physician recommendations are followed

Immunizations covered at 100% Value 750 plan: Lab tests covered at 100% in-network Complex imaging (X-rays, MRI, etc.) covered at 20% coinsurance

regardless of where administered (doctor’s office, hospital, lab) Acupuncture covered for other services at office visit copay with 15 visit

annual limit Orthopedic shoes are covered when a diagnosis of diabetes is present;

foot orthotics are covered No precertification penalties Obesity treatments not covered out of network, but no frequency limit

with in-network Centers of Excellence

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Benefit Plan Basics

Convenience Care – Value 750 Plan

$25 copay for office visits (as opposed to $40)

Participating facilities include: Minute Clinic (CVS Pharmacy) - National Target Clinic – National Take Care Health (at select Walgreens) – National Rcmh Llc – Texas Little Clinic – Georgia

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HEALTH SAVINGS ACCOUNT (HSA)


Think of it like a medical savings account:

An individually owned savings account* used to pay for current and future health care

It’s a way to plan, save and pay for health care services income tax free

What is an HSA?

*Savings and investments managed by OptumHealth Bank

High deductible plan reduces premium costs

Deposit the cost savings into your HSA account

Instead of paying all costs towards

one traditional plan


Benefit Plan Basics

Health Savings Account You can open a Health Savings Account (HSA) only if you

participate in the High Deductible Option Triple tax advantage

H.B. Fuller contribution $500 for Employee or $1,000 for Employee plus one or more

You can contribute pre-tax money to your account Up to $3,250 for employee or $6,450 for employee + one or more

Use for medical expenses (deductibles, coinsurance, etc.), dental and vision expenses – or save to use later in your retirement Income tax liability plus 20% penalty if used for anything other than

eligible medical expenses HSA funds grow at money market interest rates

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No “use it or lose it” rule for HSAs


You are Eligible if You:

Note: Eligibility is based on your status as an employee (not your spouse or dependents).

Are covered by a federally qualified high-deductible health plan

Are not covered by other health insurance• Includes a spouse’s medical

coverage or medical FSA (if it covers you)

• Does not apply to injury insurance, accident, disability, dental care, vision care and long-term care

Have not elected Medicare

Can’t be claimed as a dependent on someone else’s tax return


How You Benefit:


Deposit Your Health Care Dollars

Both you and your employer can contribute

Make contributions through payroll deduction or by mailing a deposit to OptumHealth Bank

In 2013, contributions limited to $3,250 for single coverage and $6,450 for family coverage

Special catch-up provision for those over age 55 ($1,000)


Grow Your Savings

The money is yours The account earns interest Change employers? Take it with you Use it or save it; balances roll over If you die, remaining funds go to

your beneficiary


Investment Options

Once you have $2,000 in your account, you have the opportunity to invest and earn interest

Investments are made in $100 blocks Variety of fund families – samples below

Mutual Fund TypeMorningstar Rating

John Hancock Classic Value Large Cap Value

American Funds BalancedLarge Cap Balance

Neuberger Berman Fasciano Small Cap

Vanguard Global Equity International

Vanguard S&P 500 Index Index

Federated U.S. Government 2 to 5 Year Maturity

Fixed Income

PIMCO Real Return Fund Fixed Income

Federated Master Trust Money Market N/A


Save on Taxes

Money put into your HSA is income tax-deductible

Money taken out to pay for qualified healthcare expenses is tax-free (www.irs.gov)

Any interest earned is not taxable


Pay for Health Care, Now or Later

Use your HSA to pay deductibles, copayments, coinsurances, and other qualified expenses

After you reach the out-of-pocket maximum, the plan pays 100% of covered expenses

After age 65, use the funds for any purpose without penalty (taxes may apply)


Methods of Payment

MasterCard® prepaid debit card (used like credit card)

Withdraw cash at ATM to reimburse yourself for out-of-pocket (transaction fees apply)

Free online bill payment (pay doctor, pay yourself)

Checks (available for purchase online in quantities of 25; cost is $10)


OptumHealth HSA Debit Card Convenient access to your HSA funds for medical

and pharmacy claims

Account information is available on mymedica.com

Can be used only up to the value of funds currently in your HSA

Your Debit Card and Pin number are mailed separately in plan white envelopes


HSA Claims Process

1 2 3 4 5 6

Visit your Dr.

Dr. sends bill to

Medica

Medica processes claim:

Explanation of

Benefits (EOB)

sent to you & Dr.

You receive the bill from

your Dr.

You pay your Dr.

Applies discount


2013 Cost Comparison Example

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Carol (Employee Only) Value 750 HSA Comments

Annual premium 924.00 732.00

Office Visits (3@$140) 120.00 420.00$40 copay 750100% HDHP

Annual Exam (1 @ $200) $0 $0 Preventive covered

Lab Tests (1@$150) $0 $0 Preventive covered

Prescription Drugs-Generic (5 @ $25) 50.00 125.00$10 for 750100% for HDHP

Total paid out of pocket 170.00 545.00

Total applied toward deductible 0.00 545.00

Annual out of pocket cost 1,094.00 1,277.00 Paid + Premium

HBF HSA Contribution NA -500.00

Annual out of pocket (if using HSA) 1,094.00 777.00


MOVING YOUR HSA FUNDS TO OPTUM HEALTH BANK


MEMBER ID CARD


Member ID Card - Medica Choice® Passport

Your name and covered dependents Your copayment amounts Important phone numbers Secure ID number Show your Medica ID card at Doctor

& Pharmacy after January 1, 2013

Your individual identification numberYour employer’s identification number


PRESCRIPTION DETAILS


Tier 1 $ $ $ $ $

Least expensive

Brand-name equivalent

Tier 2

$ $ $ $ $

Generally more expensive

Not all brand-name drugs have generic equivalents

Tier 3

$ $ $ $ $

Generally most expensive

Other equivalent and less expensive drugs are available

Reviewing Your Pharmacy Benefits

Find out if your medications are covered:


Mail Order Prescriptions

Save time & money!

Rx delivered to your home

Up to three-month supply (ask your doctor if a 93-day prescription is appropriate)


Choice90Rx Retail Pharmacy Program

Convenient, saves time Up to 3-month supply

• You pay 3 copays for a 3-month supply

• Ask your doctor if a 93-day Rx is appropriate

You choose how to order• From participating retail

pharmacies• Online ordering is available from

many pharmacies


Specialty Pharmacy Program

Specialty medications: Defined as self-injectable, oral, high-

tech or high cost For treatment of diseases requiring

complex therapies May require special handling Most often prescribed by specialists

Specialty drug vendors: Walgreens Specialty Pharmacy Fairview Specialty Pharmacy


HEALTH AND WELLNESS


Health & Wellness Coaching

High blood pressure Diabetes Cholesterol Low back pain Obesity

Diet & exercise Depression Stress

Anxiety

Health & Wellness

Call 866.905.7430 to get started

Topics limited only by the goals you establish!

It’s like a coach without the whistle

One-to-one or group support for chronic conditions, physical challenges and mental issues, such as:


Tobacco Cessation Program

Enroll in the program to receive:

Up to five sessions with a quit-coach A personalized quit plan and self-help materials Information about medications that can help you quit Free 8-week supply of nicotine replacement therapy (gum, patches,

lozenges), if medically appropriate Online tools and support 24/7

Health & Wellness

Call 1.800.934.4824 when you are ready to quit


Healthy Pregnancy Program

Get off to a good start

Medica’s Healthy Pregnancy program can help you:

Take care of yourself during pregnancy Adjust during your baby’s first six weeks of life

Learn more about the text4baby program text4baby.org

Health & Wellness

Call 1.888.992.3875 to sign up


24-Hour Nurse Line

Your nurse is one call away

Health & Wellness

Call 1.800.962.9497 to access a registered nurse

Chat live with a nurse online at mymedica.com

Immediate support for your health concerns

Help in making decisions about your health

Available 24-7


Employee Assistance Program (EAP)

Help with life’s hurdles

Start with one easy call to the Medica EAP (available 24/7)

Whatever your concern:

Find a new day care for your child

Manage credit card debt

Research addiction support options

Look for a family counselor

Deal with grief

Call 1.800.626.7944 Tailored support when you need it – free and easy


Medica is There to HelpMedica’s Open Enrollment Website for H.B. Fuller

http://enroll.medica.com/hbfuller

Medica Customer Service Monday - Friday, 8 a.m. - 6 p.m. Central Time (Closed Wednesdays, 8 a.m. - 9 a.m.) E-mail Medica by visiting medica.com/contactmedica Call Medica at:

• 952-945-8000 or 1-800-952-3455• TTY for hearing impaired: 952-992-3190 or

1-800-841-6753

Customer Service


Personalize. Empower. Improve.


Helpful Resources found on http://enroll.medica.com/hbfuller




DO THE MATHResources to help you compare plan offerings


Coverage Advisor

Helps you consider the financial impact of your plan

Takes about 10 minutes to complete

Provides cost estimates based on info you submit

Offers a plan-comparison tool


IS YOUR DOCTOR IN THE NETWORK?


Find a Network Physician or Facility

Search by provider name, specialty, address, etc. Find out if doctor is board certified and

accepting patients Get driving directions


Medica Premium Designation Program

Look for doctors with stars after their names when searching for a doctor using Medica’s search tool

Quality care Quality + cost-efficient care

Premium Designation physicians:

• Have lower surgery repeat rates

• Follow nationally recognized guidelines for care

• More likely to be aware of the latest research and clinical trials


What is Continuity of Care?

A request to continue ongoing medical care with a provider that is not part of your network (at the highest benefit level) because the member is engaged in a current course of treatment.

Medica requests medical records and supporting documentation

Each request is reviewed on a case-by-case basis

Coverage may be granted at the highest benefit level up to 120 days

Forms are available at today’s meeting or call

Medica Customer Service at 1-800-952-3455


MANAGE YOUR BENEFITS ONLINEmymedica.com


mymedica.com

You’re in control Find out what’s covered by

your plan Track your claims Check to see if your doctor is

in your network See which drugs are covered Order ID cards View account balances


mymedica.com


mymedica.com

Pharmacy Resources: Price a Medication

Benefit Plan Basics

Teladoc is: A phone and/or video resource to help resolve routine but urgent

medical issues (ear infections, pink eye, etc.) A national network of board certified doctors available 24/7 Available to all participants in the H.B. Fuller medical plan A cost effective and efficient alternative to the ER or Urgent Care

No cost to you as long as you complete your health profile in advance

Teladoc is not: A replacement for your primary care physician

Look for more information in the Fall 2012 newsletter

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Benefit Plan Basics

Dental Plan Coverage

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Service Deductible Coinsurance Plan Maximum

Preventive $0 $0 None*

Maintenance, Restorative,Oral Surgery

$25 Employee$50 Employee

You pay 20% AD $1,000 annual per covered person

Orthodontia Included You pay 20% AD $1,500 lifetime per covered person

*Preventive care does not count toward your $1,000 annual maximum

Dental Plan Networks

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Delta Dental PPO80,000

Delta Dental Premier139,000

Non-participating 21,000

Significant discounts

Negotiated discounts No discounts

PPO Networks50,000-80,000

Non-Participating80,000+

Discounts No discounts

Delta Dental Networks

Other Dental PPO Carriers

Benefit Plan Basics

Flexible Spending Accounts Health Care Flexible Spending Account

Pay for eligible medical, dental and vision expenses, plus some OTC IRS Maximum for 2013 is $2,500

Limited Health Care FSA for High Deductible Plan participants Pay for eligible dental and vision expenses, plus some OTC IRS Maximum for 2013 is $2,500

Dependent Care Flexible Spending Account Pay for dependent care expenses that enable you to work outside the

home – NOT for dependent medical expenses IRS Maximum for 2013 is $5,000 (same as 2012)

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“Use it or lose it”

IRS requires you to forfeit any unused FSA money each year

Benefit Plan Basics

Other Benefit Options Supplemental Life Insurance

Employee - up to 4 times eligible earnings Spouse – up to 50% of employee amount or $500K, whichever is less Child - $5,000 or $10,000

Supplemental AD&D Insurance Employee - up to $500,000 Spouse - up to $250,000 Child – 10% of employee coverage with maximum $25,000

Vision Service Plan (VSP) ARAG Legal Plan Long-Term Disability

You pay premium; however, the Company will reimburse you for the premium amount

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Annual Enrollment Process

Go online at www.BenefitsConnection.MercerHRS.com

(24/7 access)

OR

Call Benefits Connection at 800-798-5446

(hours are 8:00 to 6:00 Monday-Friday CT)

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Annual Enrollment begins October 23 and ends

November 6, 2012

http://www.benefitsconnection.mercerhrs.com/


Who is Benefits Connection? Our resource for benefits eligibility and enrollment First source of information for benefit plan questions, except:

Medica handles medical claims, precertification, Delta Dental handles dental claims questions

Online access to your benefits information – current coverage, covered dependents, life insurance/AD&D beneficiaries

Links to various other benefits resources and information Enrollment Guides, newsletters, OE presentations Summary Plan Descriptions and required disclosures

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Verify Your Enrollment Choices

Make sure that your enrollment is correct. To do so: Print a copy of your enrollment elections at the end of your online session

Review your confirmation statement carefully

Call Benefits Connection immediately, if you need to make corrections.

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No benefit changes until next Open Enrollment period,

unless you have a qualifying Life Event Change (such as

getting married, having a child, etc.)

Retirement Benefits

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Retirement Benefits (Former Forbo) H.B Fuller’s retirement program includes two components:

401(k) feature 100% company match on the first 4% you contribute each year Immediate vesting in company match Variety of investment funds to meet your retirement planning strategy

Defined Contribution Retirement feature H.B. Fuller contribution of a flat 3% of pay for all eligible employees Vesting in company contribution after 3 years Same investment fund options as 401(k) feature

Both components administered by JP Morgan During the transition, you will have an opportunity to choose new

investment funds through JP Morgan. More information to come

Assets from the former Forbo plans will automatically roll over to the J.P. Morgan accounts.

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Thank You!

Questions?

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2013 annual enrollment and benefit changes for u.s. employees october 5, 2012

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