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2016 Open Enrollment Meetings for

August, 2016

© 2015 RCM&D. All Rights Reserved.

Who is RCM&D?

What’s new for 2016?

Choosing your health plan (including new HSA option)

Enrolling in your health plan

Using your health plan

Making things easier with tips and resources

DISCLAIMER:

This is not a contract or policy. This overview of coverage is only a summary of benefits. If there are any differences between this policy and

the group policies, the provision in the group policies will govern.

Material regarding Health Savings Accounts discussed in this proposal is for general illustration and/or informational purpose only and is not to

be construed as tax or legal advice. Therefore, the information should only be relied upon when coordinated with an individual professional.

Welcome: What Will We Discuss Today?

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© 2015 RCM&D. All Rights Reserved.

RCM&D Overview

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Founded in 1885

Independent and Employee Owned

Baltimore Bethesda

Richmond Virginia Beach Harrisburg Philadelphia

© 2015 RCM&D. All Rights Reserved.

Removing the KeyCare 30/2000/30 benefit Adding HSA benefit

90 day retail pharmacy benefits now included

What’s new for 2016?

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Choosing your plan

Your health care needs are unique. Choose the plan that's right for you.

All plans include: • Access to doctors, hospitals and health care professionals • Prescription drug benefits with a money-saving home delivery service • Free preventive care, like annual checkups and vaccinations • Health and wellness tools that help you get the most out of your plan

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Key terms

Copay A flat amount you pay for covered services like doctor visits.

Deductible The amount you pay each year before your plan starts to pay for care.

Your percentage of the costs (coinsurance) After meeting your deductible, this is your percentage of the costs you pay for care.

Out-of-pocket maximum The most you have to pay out of pocket each plan year for health care services. <Copays and deductibles are part of your out-of-pocket maximum.>

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How the KeyCare plan works

Copay You pay a set amount for doctors’ visits and services.

Annual deductible The amount you pay each year before the plan starts to pay for care.

Your percentage of the costs You pay a percentage of the costs for most other services, such as outpatient surgery, hospital care or tests.

Out-of-pocket maximum Once you pay the annual maximum for your percentage of the costs, the plan pays 100% of other covered expenses for that year.

+ = +

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What is a Health Savings Account?

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•A Health Savings Account (HSA) is an account created for individuals who are covered under high-deductible health plans (HDHPs) to save for current health expenses and future qualified medical and retiree health expenses that HDHPs do not cover.

•Contributions are made into the account by the individual and/or the individual's employer and are limited to a maximum amount each year.

•The account is owned by the employee and is completely portable from employer to employer.

•There are limits on the amount that can be contributed to an HSA each year. For single coverage, the amount is $3,400 per year in 2017. For family coverage the amount is $6,750.

•Note that all IRS regulations related to HSA accounts will be the responsibility of each employee and not ACPS.

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How the HSA plan works

Health savings account (HSA) • You can put money into an

HSA, pre-tax, to help pay for covered medical expenses, like office visits, lab work, tests and prescription drugs.

• HSA funds are accessed through the plan-provided debit card or online bill pay.

• Unused HSA funds roll over from year to year.

• This plan puts more decisions in your hands.

Annual deductible

• You pay a yearly deductible before the plan begins to pay a percentage of your covered expenses.

• You can use the money in an HSA to help meet your deductible.

Major medical benefits (your percentage of the costs) • After you meet your annual deductible,

you pay a percentage of the costs for covered care.

• If you still have money in the HSA after you've met your annual deductible, you can use the funds to pay your percentage of the costs.

• Once you pay the annual maximum for your percentage of the costs, the plan pays 100% of other covered expenses.

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Key features Things to consider

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The HSA plan

• If you visit a doctor who isn’t in the plan, you may be asked to pay for services at the time of your visit and you may have to file a claim.

• If you don't put money in the HSA, you’ll have to pay your deductible and your percentage of the costs during the year.

• Funds can be used during the current year or saved for future expenses.

• The HSA contribution is not taxed, as long as you spend your funds on covered services.

• You get to keep the money you put in the HSA if you change plans or leave the company.

• ACPS will put $600 per year ($50 per month) and cover the monthly fee for your HSA account.

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HSA plan

Carol’s HSA plan $3,350 annual contribution Expenses HSA

balance OB/GYN visit and lab tests covered

at 100% $3,350

Prescription drugs $150 $3,200

HSA ROLLOVER TO NEXT YEAR $3,200

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The Wilson family’s HSA plan $2,200 annual contribution Expenses HSA

balance Preventive visits and lab tests

covered at 100%

$2,200

Physical therapy $800 $1,400

Prescription drugs $200 $1,200

HSA ROLLOVER TO NEXT YEAR $1,200 12

HSA plan

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HSA Fees and Rates

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Medical plans KeyCare 300 KeyCare

30/1000 HSA 997

Doctors in your plan Doctors in your plan Doctors in your plan

Preventive Care 100% 100% 100% + certain preventive medications

Embedded Deductible

Employee $300 $1000 $2800

Family $600 $2000 $5600

Office visits Doctor $20 $30 20% after ded

Specialist $20 $50 20% after ded

Your percentage of the costs after deductible 20% 20% 20%

Out-of-pocket limit

Employee $3500 $4500 $5000

Family $7000 $9000 $10,000

Prescription drugs

Retail $10/$30/$50/20% $10/$30/$50/20% 20% after ded

Home delivery $25/$75/$125/20% $25/$75/$125/20% 20% after ded

Retail 90 $30/$90/$150/20% $30/$90/$150/20% 20% after ded 14

Comparing plans

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Save money • Ask your doctor if there’s a generic

equivalent for the brand-name medications you’ve been taking.

• Get a 90-day supply of maintenance drugs via mail for less money than if you’d purchased your medication at a pharmacy.

Save time • Refill your prescriptions online

or over the phone. • Take advantage of home delivery.

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Prescription drug plan

Anthem’s pharmacy program includes 64,000 pharmacies across the country, plus an easy home delivery option.

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• Annual checkups are covered — no deductible.

• Easy access to any dentist or specialist.

• Discounts with dentists in the plan.

Dental Prime Dental Complete

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Dental Benefits

Dental plans Basic Plan Buy-

Up/Comprehensive Plan

Calendar Year Maximum $1500 $1500

Annual Deductible (waived for Diagnostic/Preventive Services)

$50 / person $150 / family

$50 / person $150 / family

Diagnostic and Preventive Care 100% 100%

Basic Services (i.e. fillings) 80% 100%

Basic or Major Services

Crowns Not covered 50%

Prosthodontics Not covered 50%

Endodontics / Periodontics

80% 50%

Oral Surgery 80% 50%

Orthodontia Not covered Not covered

Waiting Periods None 12 months for Major Services

Network Passive Passive

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Eye exams are good for everyone.

If not caught early, some eye diseases can cause permanent vision loss.

Eye doctors can often be the first to see signs of a number of chronic eye and health conditions.

Routine eye exams can reveal problems before they get serious.

Whether or not you need vision correction, you should have routine eye exams.

Children with uncorrected vision can often be misdiagnosed as having learning disorders.

Early diagnosis can lead to faster treatment and a better outcome.

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Blue View Vision plan SM

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Using your health plan

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Search for doctors.

Check your claims.

Estimate your costs.

Review your medical benefits.

View your ID card.

Refill a prescription.

The benefits of registering at anthem.com

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When you register online, you have great personalized tools to help you:

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LiveHealth Online See a doctor or therapist at home • Have a private video visit with a doctor or therapist on

your smartphone, tablet or computer with a webcam.

• Choose from board-certified doctors and licensed therapists.

• You can be at home or even on vacation.

• Sign up at livehealthonline.com or download the app.

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• Get health information instantly. • Talk with registered nurses.

• Call 24 hours a day, toll-free.

24/7 NurseLine

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• Get screenings and support during pregnancy.

• Consult with nurse coaches.

• Call 24 hours a day, toll-free. • For HSA enrollees: Earn up to

$200 when you complete the Future Moms program.

Future Moms

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Case management

• Learn about your health issue and treatment options.

• Get tips on saving money and connecting with local resources.

• Get help talking with your doctors and getting your health care team on the same page.

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co-branding logo here

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Healthy Lifestyles

• Take a private well-being assessment to help set goals and build a customized lifestyle change plan.

• Access custom exercise, stress, weight and water trackers.

• View wellness resources like videos, articles, healthy recipes and more.

• Connect with people who have the same goals to motivate each other.

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Discounts

• Save money with stuff that’s good for you at our site, anthem.com.

• Access healthy discounts on weight-loss programs, gym memberships, vitamins, glasses and much more.

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If you can, go to an urgent care center instead of an emergency room. Unless you have an immediate emergency, you can save money by choosing to get care from an urgent care center. You pay a <$X> urgent care copay or a <$X> copay at the ER.

See doctors in your plan. Save with a lower deductible and pay a lower percentage of the costs.

Preapprove hospital services (PPO plans). Call to preapprove services to avoid the <$X> admission deductible.

Use the Estimate Your Cost tool to check costs. Find cost ranges for services with different doctors and check quality reviews for doctors.

Save money on stuff that’s good for you. Get discounts on health-related products and services.

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Tips and tools

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Stay connected

• Download our free mobile app.

• Become a member of our Facebook group: AskAnthem.

• Follow us on Twitter: @AskAnthem.

• Sign up for a weekly health-related text message.

© 2015 RCM&D. All Rights Reserved. 29

Use This Free Service For Advice To Assist With Family Matters,

Work – Life Matters Confidential and Private Phone or One-On-One Consultations

Local: (434) 845-1246 Toll-Free: (800) 645-1246

© 2015 RCM&D. All Rights Reserved.

New Anthem medical enrollments

Anthem change forms

ACPS Waiver/Notification form

Anthem dental enrollments

Deadline: DUE BY AUGUST 26th

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© 2015 RCM&D. All Rights Reserved.

Questions?

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