2009 Health Insurance Plan Options

1. 2009 Health Insurance Plan Options

2. Overview • We continue to face increasing costs for health insurance • Initial increase from Blue Cross was 15.6% • Benefits Committee worked with our consultants to make changes to current plans to reduce increase • Negotiated increase with plan design changes 8.2%

3. Key Points • All three plans cover same health services • All three plans offer same network of doctors, clinics and hospitals • Plans differ in what employee pays in out-of-pocket expenses including premiums • The out-of-pocket maximums differ with each plan • All three plan offer same prescription drug coverage and co-pays • All plans offer preventive care benefits

4. Changes to the Aware Gold Plan

5. Changes to Aware PPO Plan

6. Changes to Options Blue Plan

7. 2009 Premiums

8. Resources • Health Plan Selector tool available on HR web site • Blue Cross and Blue Shield web site – http://www.bluecrossmn.org • Blue Cross and Blue Shield Customer Service – (866) 870-0348 • One on One appointments scheduled with Kerstin or Linda during the open enrollment period

9. Dental Insurance Update • No change in plan design for either plan for 2009 • No change in premiums for either plan for 2009

10. On-line Enrollment Process • 2009 is an active enrollment year. Every employee will need to enroll or waive coverage using the on-line tool. • No paper enrollment forms will be sent out. • Open Enrollment will run from November 3 through November 14.

11. On-line enrollment…what you’ll need. • Your log-in and password will be a combination of your name and your social security number. Name: Josephine Sample SSN: 123-45-6789 log-in: samplej6789 password: 123456789 (you will be prompted to change your password once you log-in) • Social Security numbers for all of your dependents System provides bank level security to protect all of your information