1. 2006 UPlan Open Enrollment for calendar year 2007

2. Open Enrollment Basics

3. What is Open Enrollment? • Your annual chance to review your benefit elections November 1 – November 30 of each year • Most employee changes made on-line at: http://hrss.umn.edu Same sex domestic partner applications done by paper – not available online at this time • Additional information on Employee Benefits website at: http://www.umn.edu/ohr/benefits/

4. What benefits can I change? • Add or cancel Medical, or change plan options • Add or cancel Dental, or change plan options • Add, change, or cancel your dependents

5. What benefits can I change? • Elect to participate in the Health Care and /or Dependent Care Flexible Spending Account • New election required each year • Elect to participate in Voluntary Long Term Disability coverage for Civil Service and Represented employees, or change your LTD benefit amount

6. What if I don’t want to change anything? • You don’t need to go on-line and change your elections • unless you’re an FSA participant and want to continue for 2007 • if you only want to change clinics, call your health plan directly • 2006 is a voluntary open enrollment – no changes required

7. Will I get new cards for 1/1/2007? • You will receive a new card if you enroll in a new plan • These plans will issue new cards: • All Medica Plans • HealthPartners U Classic Plus Medical Plan • Delta Dental Plans • These plans will not issue new cards • RxAmerica • HealthPartners Dental Plan

8. When are the Benefits Fairs? • UMD – November 2 - Kirby Student Center • St. Paul – November 8 – St. Paul Student Center • Minneapolis – November 9 – Coffman Memorial Union – Great Hall • All Fairs run from 10 a.m. to 3 p.m.

9. Where can I get a flu shot? • Free Flu Shots at all Benefit Fairs • Other Flu Shot clinics at all campuses • No copay for flu shots at MinuteClinic • No copay for flu shots at your own medical clinic

10. 2007 Medical Plan Options

11. Are the same Medical Plans available? • Yes, all options remain the same as in 2006 • The base plan choices are: • Medica Elect / Essential for Twin Cities and Duluth • Medica Choice Regional for Greater Minnesota

12. Are the same Medical Plans available? • All other plans also remain the same: • U Classic Plus by HealthPartners • Insights by Medica (tiered network) • Medica Choice National (open network) • Medica Direct Health Reimbursement Account (HRA) • Medica Direct Health Savings Account (HSA)

13. Are there changes within any of the Medical Plans? • Most plans remain the same • Changes are: • New Travel Benefit for Base Plans and Insights by Medica • Copay Increases for Insights by Medica • Medica Direct HRA / HSA Program Improvements

14. How does the new Travel Benefit work? • New Travel Benefit added to: • Medica Elect and Essential • Medica Choice Regional • Insights by Medica • U Classic Plus by HealthPartners • Note: National coverage already available in Medica Choice National and Medica Direct HRA / HSA Plans

15. How does the new Travel Benefit work? • Provides in-network coverage for travelers and out of area students. • Permanent residence must be in MN or surrounding states • Must use network providers: • Contact your plan, either online or by phone, to determine which providers you may use. • Medica’s network excludes certain providers

16. What are the new copayments for Insights? • Medica Insights • Copay increases needed for Medica Insights to keep rates affordable

17. What are the improvements in the Medica Direct HRA / HSA Plans? • Medica Direct HRA & HSA Plans improved for 2007 • University’s contribution to HRA / HSA Accounts increased: • Employee Only - $500 to $1000 • Family Coverage - $1,000 to $2,000 • HSA coinsurance reduced from 20% to 10%

18. What are the improvements in the Medica Direct HRA / HSA Plans?

19. 2007 Medical Plan Rates

20. 2007 Medical Rates – Employee Only

21. 2007 Medical Rates – Employee + Spouse or Same Sex Domestic Partner

22. 2007 MedicalRates – Employee and Child / Children

23. 2007 Medical Rates – Employee and Spouse / SSDP + Child / Children

24. UPlan Pharmacy Program

25. Does the UPlan Pharmacy Program have any changes for 2007? • No, RxAmerica will continue as the pharmacy benefit manager for all UPlan Medical options in January, 2007. • Rx copays will remain the same for 2007 for all plans except the Medica HRA/HSA’s

26. What else should I know about the UPlan Pharmacy Program? • If you or your doctor request that you take a brand drug when a chemically equivalent generic is available, you pay the Generic Plus copay + the difference between the cost of the generic and brand drugs, unless you have a prior authorization in place.

27. Where do I find the RxAmerica formulary? • www.rxamerica.com/umn/welcome/ • RxAmerica’s website also includes: • Pharmacy locator • Copay finder • Your claims history • Mail order information • Formulary and drug information

28. Dental Program Changes

29. Are there any changes in the Dental Plans for 2007? • Open enrollment – changed from alternate years to annual, beginning in 2006 • Plan benefits will not change

30. Are there any changes in the Dental Plans for 2007? • New names for Delta Dental options • Networks remain the same with typical minor changes in providers • No changes in names for HealthPartners Dental options

31. 2007 Dental Plan Rates

32. 2007 Dental Rates – Employee Only

33. 2007 Dental Rates - Employee + Spouse/SSDP

34. 2007 Dental Rates – Employee + Child/Children

35. 2007 Dental Rates – Employee and Spouse/SSDP + Child/Children

36. Flexible Spending Accounts Health Care and Dependent Care

37. What do I need to know about Flexible Spending Accounts for 2007? • The UPlan includes: • Healthcare Flexible Spending Account • Dependent Care Flexible Spending Account • Your contributions to both accounts are made with pre-tax dollars • No Federal, state, or Social Security taxes • You must re-enroll in the FSA Program to participate in 2007

38. What do I need to know about Flexible Spending Accounts for 2007? • Health Care or Dependent Care FSAs • Minimum - $100 • Maximum - $5,000 • Dependent care maximum per family - $5,000

39. What do I need to know about Flexible Spending Accounts for 2007? • 2007 Contributions are made during the calendar year • 2007 Claims can be incurred between 1/1/2007 and 3/15/2008 • “Use it or lose it” • Any amount remaining after 3/15/2008 is forfeited • Note: 2006 Claims can be incurred through 3/15/2007

40. Disability Coverage

41. Are there any changes in Voluntary Disability coverage? • Effective 1/1/2007 Voluntary Short and Long Term Disability coverage will move: • Standard Insurance Company • Well-respected Disability Insurance carrier • Located in Portland, Oregon • Founded in 1906

42. Are there any changes in Voluntary Disability coverage? • Benefits remain the same • Employees with coverage now will automatically transfer to Standard Insurance Company • Employees out on disability will remain with the current carrier • All STD and LTD rates will be reduced!

43. Can I enroll in Long Term Disability during Open Enrollment? • Civil Service / Represented Employees may enroll in Long Term Disability coverage during open enrollment • Pre-existing Condition Limit: Disabilities related to medical issues occurring during 2006 will not be covered for 24 months

44. Can I enroll in Short Term Disability during Open Enrollment? • You can enroll or increase your Short Term Disability coverage at any time. • New STD enrollments or increases in coverage will require proof of good health • If interested, contact Employee Benefits for a paper application, and instructions for providing health information • Changes effective 1/1/07 or later

45. Are there changes to the Faculty Income Protection Program? • FIP is renamed the Academic Disability Program. • Changes from Minnesota Life to The Standard effective 1/1/2007 • All coverage automatically transfers • Additional information will be sent to covered Faculty and P&A members

46. Will the claims process change? • New telephonic claims filing process begins 1/1/2007 • No forms to complete for disability claims • Medical information goes directly to The Standard, not through your department • FMLA claims are still filed with your department

47. Life & Long Term Care Insurance

48. When can I change my Life Insurance? • Life Insurance • Additional Life Insurance can be increased or decreased at any time during the year • Contact Employee Benefits for a paper application • Proof of good health will be required for any increases

49. Are there any changes for Long Term Care Insurance? • Long Term Care Insurance • Coverage will change from CNA to John Hancock, effective 4/1/2007 • New program will include: • Improved benefits • Lower rates for many participants • Expanded eligibility • Guaranteed issue coverage for all active employees • Detailed information will be provided beginning in January

50. UPlan Wellness