Antioch University

Open Enrollment Presentation

November, 2010

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Medical Benefits - What are my options?

Benefit options for 2011:

1. Anthem PPO Plan

2. Anthem Lumenos Health Savings Account (HSA)

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Your 2011 Anthem PPO Plan

PPO Medical Benefits Network Benefits

Deductible $400/$800

Coinsurance 85% Plan, 15% Member

Out of Pocket Maximum $800/$1,600

Office Visits $20 copay

Preventive Care, not Diagnostic $20 copay

Emergency Room $75

Urgent Care $75

All Other Covered Expenses Deductible + 15%

These benefits denote in-network coverage. Please refer to the complete benefit summary for out-of-network benefits and other benefit details which differ from the amounts noted above.

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Your 2011 Anthem PPO Plan

PPO Prescription Benefits

Retail

Tier 1 $10 copay

Tier 2 $30 copay

Tier 3 $40 copay

Mail

Tier 1 $20 copay

Tier 2 $50 copay

Tier 3 $70 copay

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HSA – How It Works

HealthSavingsAccount

Plan

High

Deductible

Insurance

Health

Savings

Account

+

Protects you from big

Medical bills

Helps pay your deductible

Tax-deductible deposits

Tax-deferred growth

Tax-free for medical care

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Opening Your Health Savings Account

Banks, credit unions, insurance companies and other financial institutions are permitted to be trustees or custodians of these accounts. YOU MUST OPEN YOUR OWN HSA ACCOUNT to deposit your HSA Contributions. Account should be open before 1/1/2011.

If you cannot locate a local institution willing to establish your account, try visiting www.hsainsider.com, a link recommended by the U.S. Department of the Treasury.

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HSA – Who can not have one?

Anyone can enroll in the HSA plan, but you can not open the HSA bank account if you are:

─ Enrolled in Medicare─ Enrolled in any other health plan that is not an HSA

compatible health plan─ Active in the military─ Claimed as a dependent on another individual’s tax

return

The IRS has specific rules on who can open an HSA.

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HSA Eligible Expenses

The IRS determines which health care services are eligible for reimbursement by your HSA, up to $3,050 single and $6,150 family. Examples of eligible expenses are:

─ Medical services applied to your deductible or out of pocket maximum under your Anthem HSA plan

─ OTC medications with a prescription─ Dental expenses─ Vision Expenses

(Medical expenses incurred by or on behalf of domestic partners or their children are ineligible for tax-free reimbursement from an HSA, unless the domestic partner qualifies as a dependent under IRC section 152.)

A Limited Purpose FSA can be set up for dental or vision expenses not reimbursed through HSA. Infrequently selected, this option is normally chosen when high-dollar expenses are being expected (braces, laser vision correction) and plan members want to protect their HSA dollars.

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HSA Contributions

Antioch University - Annual Contributions:

* January: $300 Contribution, April – December: $100/mo. ** January: $600 Contribution, April – December: $200/mo.

2011 Annual HSA Contribution Maximums

(includes Antioch University Contributions):─ Single: $3,050─ Family: $6,150

Catch Up Provision for those that are 55+ is $1,000 for 2011.

Employee $1,200*

Employee + 1 $2,400**

Employee + 2 or More $2,400**

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Your 2011 Anthem HSA Plan

HSA Medical Benefits Network Benefits

Deductible $2,500/$5,000

Coinsurance 100% Plan, 0% Member

Out of Pocket MaximumAfter deductible is met, rx copays apply $3,500/$7,000

Office Visits Deductible + 0%

Preventive Care, not Diagnostic 100%, no Deductible

Emergency Room Deductible + 0%

Urgent Care Deductible + 0%

All Other Covered Expenses Deductible + 0%

Enrolling in this plan gives you the opportunity to open a Health Savings Account (HSA) and enjoy lower payroll contributions

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Your 2011 Anthem HSA Plan

HSA Prescription Benefits

Retail Tier 1 $10 copay

Tier 2 $30 copay

Tier 3 $50 copay

30 Day Supply Tier 4 25% up to $150 maximum

Mail Tier 1 $10 copay

Tier 2 $75 copay

Tier 3 $150 copay

30 Day Supply Tier 4 25% up to $150 maximum

After deductible is met, the following copays apply for all prescriptions until your copays equal $1,000 (single) and $2,000 (family) out of pocket.

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Health Savings Account – IRS Limits for 2011

Single FamilyCoverage

Coverage

Annual HSA Contribution Max $3,050 $6,150

These limits apply to the combined employer and employee contributions

Limited Purpose FSA Contribution Max $4,000 $4,000

Catch-Up Contribution $1,000 $1,000

Allowed if age 55 +

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Earn Rewards – HSA Participants Only

Earn gift card reward dollars for activities that contribute to your health and well-being: $50 for completing the online MyHealth Assessment

(one per family) $100 for enrolling in a health coaching program for an

eligible condition (per qualified family member) $200 for graduating from a health coaching program for an

eligible condition (per qualified family member) $50 for completing the Healthy Lifestyles: Tobacco-Free

Program (per qualified employee and/or spouse) $50 for completing the Healthy Lifestyles: Healthy Weight

Program (per qualified employee and/or spouse)

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Redeem Rewards – HSA Participants Only

Redeem your rewards dollars for gift cards to select health-focused retailers like:

Dick’s Sporting Goods Foot Locker The Athlete’s Foot City Sports And More

The process is simple:

1. Earn your reward dollars

2. Receive a letter from IncentOne, which includes a code and password and instructions for redeeming your gift card reward online or by phone

3. Select from available retailers and redeem your gift card reward

4. Receive your gift card by mail

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Two Fundamental Questions

1. How much do I have to pay out of my pocket when I use the health insurance plan?

2. How much does the health insurance plan cost out of my paycheck?

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How much do I pay when I use the insurance?

Network Medical Benefits PPO HSA

Deductible $400/$800 $2,500/$5,000

Coinsurance 15% 0%

Out of Pocket MaximumAfter Antioch HSA Contribution

$800/$1,600 $3,500/$7,000$2,300/$4,600

Office Visits $20 copay Deductible + 0%

Preventive Care, not Diagnostic $20 copay 100% - No Deductible

Emergency Room $75 Deductible + 0%

Urgent Care $75 Deductible + 0%

All Other Covered Expenses

Deductible + 15% Deductible + 0%

These benefits denote in-network coverage. Please refer to the complete benefit summary for out-of-network benefits and other benefit details which differ from the amounts noted above.

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How much do I pay when I use the insurance?

Prescription Benefits PPO HSA

Out-of-Pocket Application

Copays do not apply to Out-of Pocket Max

Copays apply after deductible, until $1,000/$2,000 copay max,

then 100% coverage

Retail Tier 1 $10 copay $10 copay

Tier 2 $30 copay $30 copay

Tier 3 $40 copay $50 copay

30 Day Supply Tier 4 See Tier 3 25% up to $150 max

Mail Tier 1 $20 copay $10 copay

Tier 2 $50 copay $75 copay

Tier 3 $70 copay $150 copay

30 Day Supply Tier 4 See Tier 3 25% up to $150 max

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How much do I pay to have the insurance?

Bi-Weekly Contributions:

  PPO HSA

Employee Only $57.34 $46.39

Employee + 1 $124.21 $94.65

Employee + 2 or More $185.08 $143.83

Monthly Contributions:

  PPO HSA

Employee Only $124.24 $100.52

Employee + 1 $269.14 $205.08

Employee + 2 or More $401.01 $311.63

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Anthem’s Online Health Tools

MyHealth Assessment Preventive Care Guides MyHealth Record Condition Centers Surgical Guides and

Hospital Comparisons Traditional and

Alternative Health Library And more

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Flexible Spending Account vs. HSA

Flexible Spending Account orLimited Purpose FSA

• Use-it-or-lose-it• Claim must be filed • Annual binding election• Not portable• Access to entire elected

amount immediately• Any IRS-approved health

expense• Limited Purpose FSA

Health Savings Account

• No use-it-or-lose-it• No election required• Portable• Use of accumulated

account balance only• You have total control• Must be in a HDHP• IRS Form 8889

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Review your enrollment package thoroughly.

If you are making any changes to your current Anthem medical election or dental benefits administered by MedBen, you MUST complete an enrollment form.

In order to participate in the FSA or Limited Purpose FSA benefits, you MUST complete an enrollment form.

Forms are available in the HR Office and must be completed no later than December 3, 2010.

Open Enrollment Procedures