2010-11 Open Enrollment Benefits Presentation

1. 2010-11 Open Enrollment Benefits Presentation

2. OPEN ENROLLMENT April 12 – April 30, 2010 Employees must make elections online

3. Open Enrollment: April 12 – 30, 2010 New carrier for Health Insurance CIGNA HealthCare effective July 1, 2010 Online enrollment – Enroll online for medical at: www.yourbenefitchoices.com/hcc Online enrollment – Enroll in all other benefits at: http://hccfl.edu/benefits/benefits.cfm Importance of the completion of Health Risk Assessment 2010 -11 Benefits

4. Medical Plan Benefits

5. Plan Highlights Open Access Plus In-Network (OAPIN) Similar to an HMO Use providers contracted with the OAP network Open Access Plus (OAP) Similar to a PPO In and Out of Network benefits Lowers costs if you use In-Network Providers Open Access Plus w/ Health Savings Account (HSA) HCC funds the first $625 You can add tax free contributions The maximum contribution with what HCC provides and what you contribute combined is $3,050 individual or $6,150 per family 100% Preventive Care Coverage with no maximum limits In and Out of Network benefits Lower costs if you use In-Network Providers CHANGE for 2010: Pharmacy Costs now apply to deductible and Out of Pocket Maximum

6. Provider Directory.Go towww.CIGNA.com Click on either links to access Provider Directory

7. Transition of Care Transition of Care coverage allows you to continue to receive services for specified medical and behavioral conditions for a defined period of time with health care professionals who do not participate in the CIGNA network Must apply during enrollment or no later than 30 days after July 1, 2010 Example of conditions include but not limited to Pregnancy Newly diagnosed or relapsed cancer Trauma Transplant candidate Recent major surgeries Durable medical equipment Forms can be obtained by calling the pre-enrollment hotline at 800-569-4472 or online at www.yourbenefitchoice.com/hcc

8. Premiums

9. Medical Plan Highlights

10. Medical Plan Highlights (Cont’d)

11. Karen • Single, in her 50s • Heart disease; controlling health through medication • Looking to save money for future health expenses HSA Deposits by Karen $2425 by HCC $625 Preventive Care$ 398 ER Visit $2,600 4 PCP Visits $ 320 Generic Rx (12) $ 288 Brand Rx (3) $ 240 Medical Expenses $3,448 How Expenses Are Paid Preventive (100%) $ 398 Applied to deductible $1,250 Paid by Plan (80%) $1,440 Paid by Karen (20%) $360 100% after $5,000/$10,000* Preventive Care 100% Health Coverage80%/60%* Total HSA Contribution $3,050.00 What Karen Paid from HSA $1.610.00 Remaining HSA Balance $1,440.00 Out-of-Pocket Max Deductible $1,250/$25000* Deductible Contribution $500 Employer + Employee $2,550 *In/Out-of-Network Coverage Level 11

12. Life StatusCoverage Change During Plan Year If Increasing Coverage: • Additional HSA funds are added and adjusted based on the effective date of the change in coverage level. Deductible and out-of-pocket levels also increase to the higher level. • Additional HSA funds are available to pay for claims incurred after the effective date of the new coverage level. If Decreasing Coverage: • HSA funds are reduced to the lower coverage level amount based on the effective date of the change. The deductible and out-of-pocket maximum are also reduced to the lower level. • The higher amount will remain available to pay for claims incurred prior to the effective date of the new coverage level.

13. Prescription Drug Coverage

14. Prescription Plan Highlights *TEL-DRUG (Home Delivery)—saves the cost of 1 copay for a 90-day supply.

15. Completely CONFIDENTIAL Provides you a personal health report and access to health plan-sponsored programs 90% participation will qualify employees for a premium reduction You and your covered dependents 18 years and older need to complete to be eligible for the reduction Take the Health Assessment Click Here to Register Complete the Health Assessment and you’ll be entered in a drawing to win a Wii – Fit or IPOD

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17. QUESTIONS?? CIGNA Pre-enrollment line—available 24/7/365: 1.800.569.4472

18. Flexible Spending AccountSection 125 of the IRS Code

19. Medical Reimbursement • Dependent Care • A flex benefits plan increase your spendable income • Use tax free dollars for qualified expenses Flexible Spending Account FSA

20. What Qualifies? • Medical – Deductibles, co-pay, prescriptions • Vision – Exams. Glasses, contacts, contact lens solutions • Dental – Co-pay, deductibles, orthodontics Medical Reimbursement

21. Who Qualifies • Child(ren) under 13 years age • Child, spouse or other dependent who is physically or mentally incapable of self care • Qualified expenses include • Adult & child daycare centers • Preschool and before/after school care • Care may be given in the home • Employee & spouse must be working to use dependent care Dependent Care FSA

22. No cost to employee to participate • Spouse and children expenses may be reimbursed even if they are not on the HCC Health Plan Other Fee Information FSA

23. FSA Debit Card • Debit card options • 12 dollars per year will be deducted from your annually elections. • Debit card allows 75 to 80 percent of claims to automatically adjudicated (no claim form required) • Please refer to your brochure for complete information

24. Hospital Indemnity Plus

25. The costs associated with health care are on the rise. A typical hospital stay averages more than $17,000. Features • Benefits are paid directly to employee • Pays cash benefits directly to you • Cover your entire family Hospital Indemnity Plus

26. HI Plus Benefits • Guaranteed Issue – No Health Questions • No Pre-existing condition (except pregnancy) • Benefits Include: • Doctors visits (6 visits per year @ $50 each) • Daily Hospital Benefit ($200 per day – max 30 days) • Hospital Admission Benefit ($250 per admission) • Hospital Intensive Care ($250 per day – max 30 days) • Wellness Benefit ($50 per calendar year) • Medical Fees ($300/Accident) • Well Baby Care (4 visits per year @ $50 each)

27. HI Plus Semi-Monthly Rates (24 times a year) **Premiums will be payroll deducted on pre-tax basis**