myBenefits

1. myBenefits The following slides are a duplicate of information available in the ASU online enrollment portal myBenefits. >

2. MyBenefits • Welcome to Arkansas State University MyBenefits. MyBenefits was designed to make managing your benefits easy. You may enroll or make changes here, if the following circumstances apply: • New benefits eligible employee within 31 days of employment • Annual Open Enrollment • Within 31 days of a qualified family change in family status • You may make the following changes anytime: • Update beneficiary • Change contributions to supplemental retirement plans • Drop non-tax sheltered benefits > <

3. Your Healthy Options Benefit Plans As a benefits eligible employee of Arkansas State University and a consumer of its fringe benefits program, benefit options were designed with you in mind. You need to be familiar with your benefit package and avail yourself of all opportunities provided by Arkansas State University. < >

4. Just as life changes, so do your benefit needs. Don’t miss your once-a-year opportunity to make new benefit elections for you and your family. Arkansas State University has an Open Enrollment period each year. During Open Enrollment, you should consider the benefits you have today, and ask yourself if they will serve you and your loved ones well in the coming plan year. Open Enrollment < >

5. Point. Click. Go. • When you are ready to begin your enrollment, follow the onscreen instructions. • First, review and update any personal information about you or your covered dependents. Social Security numbers are required for all dependents covered under any of your ASU benefit plans. • For each benefit plan, you will see a short series of slides that provide an overview of the plan along with your coverage options. • For some voluntary benefits, you may have to answer some health questions to be approved for coverage. You will find more information online when you are on the enrollment screens for these plans. < >

6. How Long Will This Take? • About 15 minutesif you already know what you want and have your dependent information ready to go. • About 20-30 minutesif you aren’t sure which plans or coverage options you want. < >

7. Be sure to review your personal information to make sure that it’s up-to-date. Before You Begin • Is all of your information complete? • Have you moved recently? • Are you adding or removing eligible dependents? • Are the birth dates and Social Security numbers of your dependents correct? Click “Next” button below to go to benefit election screen. <

8. Health Insurance Cost • ASU is a self-insured health plan. Employees and ASU pay premiums into the plan, and those premiums are used to pay claims, administrative fees, and excess loss insurance for our very large claims. • Each year we analyze the costs to the health plan and adjust premiums or cost sharing to ensure we have enough funding in our plan to pay projected claims. • Good news! In 2016, due to careful management of expenses and selection of a new third-party administrator, our premiums will not increase in 2017. >

9. Keeping Health Care Affordable • You can help keep our health plan affordable by: • Selecting a primary care physician. He or she will: • Provide preventive care and teach healthy lifestyle choices; • Identify and treat common medical conditions; • Assess the urgency of your medical problems and direct you to the best place for that care; and • Make referrals to medical specialists when necessary. • Using the 24/7/365 service offer by Cigna by calling the toll-free number printed on the back of your Cigna ID card 24 hours a day, seven days a week, 365 days a year. You can: • Get answers to health claims and plan questions; • Find a health advocate for help with improving specific health issues; • Talk to a nurse to get help deciding where and when you should get treatment. >

10. Keeping Health Care Affordable • You can also help keep our health plan affordable by: • Using the myCigna mobile app or visit myCigna.com to help manage your health care. You can: • Find doctors and compare costs and quality rates; • Track your claims, account balances, and deductibles; and • Refill your prescription drugs online and check order status. • Seeking appropriate non-emergency care after-hours. You can: • Seek care at an urgent care center; • Call your physician’s office – they may have a nurse available by phone on nights and weekends; or • Call the toll-free number on the back of your card to speak to a nurse who can help you decide where and when you should get treatment. >

11. Health Insurance Changes The following changes will become effective January 1, 2017: • The new plan administrator is Cigna. • There are some network changes, including the addition of Methodist Hospital and the exclusion of Baptist Hospital in Memphis, Tennessee. • Copays for in-network outpatient rehabilitation and chiropractic care will be $35 per visit. • Breastfeeding rental equipment is covered at 100% when using a network supplier. • Expanded case management for medical services include mental health, substance abuse, and radiology. >

12. Health Insurance • ASU utilizes the Cigna Open Access Plus Plan. • A list of providers for the Cigna Open Access Plan is available on the ASU System website at: • www.asusytem.edu/mybenefits >

13. In-Network Benefits: Preventive care and immunizations – covered 100% Primary care physician office visit - $35 per visit Specialist office visit - $50 per visit Outpatient short-term rehabilitation and chiropractic visit - $35 per visit Annual deductible - $600 ($1,200 family aggregate) Other covered services - 80% / 20% subject to deductible Annual individual out-of-pocket maximum - $2,500 (inclusive of deductible, coinsurance, and office and RX copays) Out-of-Network Benefits: Annual deductible - $850 deductible ($1,700 family aggregate) Other covered services - 70% / 30% subject to deductible Annual out-of-pocket maximum - $3,050 (inclusive of out-of-network deductible, coinsurance, and RX copays) Cigna Plan Details < >

14. Routine Physical Exam One annual wellness exam In-Network paid at 100% Must be billed with a “routine diagnosis” or wellness visit Routine Gynecological Exam One In-Network per calendar year paid at 100% Mammography One In-Network screening per calendar year, paid at 100% Age 35-39 one exam; Age 40 and over annual exam Immunizations Covered adult and child immunizations are paid at 100%. Vaccines covered are subject to recommended age and population ASU Wellness Benefits < >

15. Generic copay - $12 Preferred brand name copay - $35 Non-preferred brand name copay - $60 Save with mail order or with Cigna 90 Now – three months of some maintenance medications for two monthly copays through mail order or with Cigna 90 Now designated pharmacies. Pharmacy Plan Click “Next” button below to go to benefit election screen. <

16. As an eligible employee, you have a choice between two dental options provided by Arkansas BlueCross BlueShield: BCBS Dental High Plan BCBS Dental Low Plan A list of providers can be found on the Arkansas Blue Cross website at www.arkansasbluecross.com/members/dental/default.aspx Dental Benefits >

17. BCBS Dental Plans • Both plans have an annual deductible of $50 and then pay a percentage of charges for covered services. • Each plan has a $1,500 annual maximum per member per calendar year. • Orthodontia coverage is provided on the High Plan for dependent children age 18 and under with a maximum lifetime benefit of $1,500. • Dependent children are covered (until the age of 26) for all eligible benefits, with the exception of orthodontia coverage (for ages 18 and under). • Each plan has a rollover benefit option. < >

18. BCBS Dental Plans *$50 deductible per calendar year, per member--with a maximum of 3 deductibles per contract, per year, per family. Deductible is waived on diagnostic and preventive services. ** Additional cleanings may be applicable under certain specified medical diagnoses. Click “Next” button below to go to benefit election screen. <

19. As an eligible employee, you may choose to enroll in vision benefits through VSP. You may select a vision provider from a directory of optometrists, ophthalmologists, or retail providers. Vision Benefits When you use a VSP vision provider, the plan pays the following benefits: You pay a $10 copay for routine vision exams. (available every 12 months) You pay a $10 copay for frames, lenses, or contacts (up to an allowance of $150) Lenses or contacts are allowed every 12 months Frames are allowed every 24 months A VSP provider list can be found at www.vsp.com. Click “Next” button below to go to benefit election screen.

20. Basic Life and AD&D Insurance We all want the best for our loved ones, especially if the unexpected should happen. Life insurance provides protection for you and your family. • ASU provides eligible employees with basic life and AD&D (accident death and dismemberment) insurance equal to one and half times your annual salary, up to a maximum of $50,000. • Spousal coverage of $2,000 • $2,000 coverage for dependent children ages 6 month through age 19 (up to the age of 25, if a full time student) • $1,000 coverage for dependent children live birth to 6 months • These benefits are provided at no cost to you. Click “Next” button below to go to benefit election screen.

21. Supplemental Employee Life Insurance ASU also provides the opportunity for you to purchase additional life insurance. Here’s how it works: • May be purchased in increments of $25,000 up to 5 times your annual salary, up to a maximum of $250,000 • Guaranteed issue if elected within the first 31 days of employment. Employees may increase $25,000 during annual Open Enrollment, unless you have previously been denied for additional coverage through the ASU provider. Additional coverage is subject to evidence of insurability prior to coverage approval. >

22. Supplemental Dependent Life Insurance ASU provides the opportunity for you to purchase optional life insurance for your dependents. Here’s how it works: • New employees may purchase spouse life insurance in $5,000 increments up to a maximum-guaranteed issue of $25,000. During Open Enrollment, employees may increase spouse life insurance by $5,000 with a guaranteed issue. Increases over $25,000, up to $50,000, is subject to evidence of insurability prior to coverage approval. • The spouse benefit may not exceed 50% of the employee optional life benefit. • You may purchase additional coverage for your dependent children. Child benefit options are $5,000 or $10,000. • You must have elected optional coverage on yourself to be eligible for optional life for your dependents. Click “Next” button below to go to benefit election screen.

23. Evidence of Insurability (EOI) Each year during Open Enrollment, you may request an increase in your coverage level, unless you have been previously denied coverage by UNUM. If you request a coverage increase of more than $25,000, you will be required to provide evidence of insurability before coverage is effective. If you are requesting optional coverage for the first time and you were previously eligible, evidence of insurability will be required. (Employees 65 or over may not apply for or increase coverage.) Click “Next” button below to go to benefit election screen. <

24. Accidental Death & Dismemberment Accidental Death & Dismemberment Insurance may be purchased in increments of $25,000, up to $250,000, based on annual salary. This coverage is also available for your spouse and child(ren). You may increase, decrease, or maintain current coverage during Open Enrollment. Employees over 65 may not elect new or additional coverage but may maintain their current coverage. Click “Next” button below to go to benefit election screen.

25. Long Term Disability is an employer paid benefit that provides income to you if you become disabled and can no longer work. Coverage becomes effective the first of the month following 90 days of employment. If you become disabled and are approved for disability benefits, your monthly benefit will be equal to 60% of your monthly salary (maximum of $6,000 per month) up to age 65*. Benefits are reduced by amounts received from Social Security Disability. These benefits are subject to federal and state taxes A pre-existing condition will not be covered in the first 24 months following the coverage effective date *Employees who become disabled after age 64 and are approved for disability benefits receive benefits for up to two years depending on age at disability. Long Term Disability

26. Voluntary Short Term Disability Income Program provides benefits if approved for up to 26 weeks depending on option chosen. Pays benefits for covered non-occupational injuries and illnesses, including: Maternity Medical Illness Mental Health These benefits are paid independent of any sick or vacation leave. These benefits are not subject to federal, state, or Social Security taxes. A pre-existing condition will not be covered in the first 12 months following the coverage effective date. A special open enrollment, not subject to evidence of insurability, will be offered during open enrollment for January 1, 2017 effective date. Pre-existing conditions will not be covered for the first 12 months of coverage. Short Term Disability >

27. There are two plan designs to choose from: AccidentSicknessMax Duration 8th Day 8th Day 26 Weeks OR 15th Day 15th Day 26 Weeks The 8th Day policy starts paying on the 8th day of your disability, and the 15th Day policies starts paying on your 15th day of disability. Premiums are calculated based on age and salary. Premiums will increase at ages 30, 40, 45, 50, 55, 60, and 65, and 70. Short Term Disability Click “Next” button below to go to benefit election screen. <

28. ASU contributes and amount equal to 10% of your salary to your retirement plan, and you must also contribute 6%. Plan Options*: TIAA VALIC An election must be made within 30 days of employment. NOTE: Employer and mandatory employee deductions will be retroactive to the first day of employment. Employees may also make voluntary pre-tax contributions to a 403(b) or a 457(b) in addition to their mandatory contribution. These contributions will be effective on the first pay period after the election is made. *Employees hired prior to 2012 may be enrolled in a state retirement plan. Retirement Benefits >

29. TIAA is a full-service financial services company, specializing in the needs of those who work in the academic, research, medical and cultural fields.  It manages more than $889 billion in assets, serves five million participants, is the largest global agricultural investor and the third largest real estate manager in the world. To find out more about TIAA, visit its website at www.tiaa.org. The TIAA funds that have been selected by ASU include a wide range of investments.  If you select TIAA as your retirement plan, but do not select a fund, you will default into a Lifecycle fund based on your age.  You may change to other funds managed by TIAA at any time, either online or by contacting TIAA. TIAA < >

30. VALIC is a leading provider in K-12, higher-education, health care, and government institutions. It has 86 billion in assets and helps nearly 2 million people plan for retirement.  To find out more about VALIC, visit its website at www.valic.com. The VALIC funds that are offered at ASU include a wide range of investments.  If you select VALIC as your retirement plan, but do not select a fund, you will default into a Lifecycle fund based on your age.  You may change to other accounts offered by VALIC at any time, either online or by contacting VALIC. VALIC Click “Next” button below to go to benefit election screen. <

31. Flexible Spending Plan (FSA) • The IRS tax code Section 125 allows an employee to tax-shelter a portion of his/her income to: • Pay family health care expenses (Health Care FSA) • Pay child-care expenses (Dependent Care FSA) • Pay third-party insurance premiums (3rd Party FSA) >

32. Plan Your FSA Expenses Carefully • Be conservative when planning your FSA contributions. • Target 80% - 85% of your eligible expenses. • Services incurred during the plan year are eligible. • Any money left over in your FSA at the end of the plan year will be forfeited. <

33. Health Care FSA • Gives you the opportunity to pay for qualified medical, dental and vision expenses for you and your family members with pre-tax dollars. • You can set aside up to $2,600 per year in this account. >

34. Health Care FSA You may use a Health Care FSA for items that include: • Health plan copays • Dental work and orthodontia • Doctor's fees • Eye exams and eyeglasses • Contact lenses • Hearing aids • Chiropractic treatment • Laboratory fees • Prescriptions • Mental health counseling <

35. Dependent Care FSA • Gives you the opportunity to pay for qualified dependent/child-care expenses with pre-tax dollars. • You may set aside up to $5,000 per year in this account (or $2,500 if married and filing a separate tax return). You may use a Dependent Care FSA if: • You and your spouse both work; or • You are a single, working parent; or • Your spouse is a full-time student for at least 5 months out of the calendar year. • The Dependent Care FSA does not cover medical expenses for dependents. You must use the Health Care FSA for medical expenses. >

36. Dependent Care FSA Eligible Dependent Care Expenses • Care before and after normal school hours – under age 13. • Nursery school (pre-school) • Day camps – primary purpose must be custodial care and not educational in nature. • Au pair or nanny expenses (including their associated payroll taxes.) • Day care for a disabled spouse or dependent parent who lives with you. • The Dependent Care FSA does not cover medical expenses for dependents. You must use the Health Care FSA for medical expenses. <

37. Third Party Insurance FSA Employees may also elect to tax-shelter non-group insurance premiums for themselves or their spouses. Please discuss this option with a tax advisor if you are interested in this option. Some premiums that are tax-sheltered may result in the payout of those benefits as taxable income.