Benefits 2014Updates and Changes

TIAA CREF Live Webinars

O The Starting Line! O Woman2Woman booth located in the

Exhibit HallO Access articles and on-demand

presentations on personal finance and long-term investing

O Join in interactive learning facilitated by TIAA-CREF Financial Consultants

http://vshow.on24.com/vshow/TIAACREF_VE?l=en#home

One-on-One O Alicia Scaly O On campus in Miller BldgO Must make an appointmentO Twice a month

Dental and VisionO No increase since 2010O $.62/$3.25 per month visionO $2.50/$13.75 per month dental

Dental and VisionO Life time Benefit Solution

HIPPA O Law requires that you have a release

on file for all family members for each insurance company.

O Complete a form today in case you need to call or advocate for a family member.

O Complete one for your family member to inquire or advocate for you

Changes in Health Insurance

O Beginning Oct 1O You will receive new cards

PPO O Reduced Premiums by about 4%

Coverage Currently OCT 1

Specialist $15 $25

In patient Hospital

$0 $150

ER $50 $75

Rx $5/$15/$30 $5/$25/$50

High Deductible

Coverage Currently Oct 1

Deductible $1300/$2600 $1800/$3600

ASC Contribution to HSA

$1300/$2600 $1500/$3000

After Deductible 20%/80% 10%/90%

RX 10%/40%/50% $5/$35/$70

Wellness ---- Healthy Dollars

Reduce premiums just over 3%

Deductible 2014 - HDHP

O Deductible and out-of-pocket maximums met so far this calendar year will rollover

O They will reset 1/1/15

Healthy Dollars- only High Deductible

O Health Club MembershipO Open to the public

O Children’s Fitness ActivitiesO Community Based soccer, dance,

bowlingO Weight Management Programs

O Jenny Craig or Weight WatchersO Adult Physical Classes/Lesson

O Tai Chi, Yoga, Zumba, Jazzercise, Dance, Personal trainer

Blue 4 UO All who have ASC Health InsuranceO Onsite screening – BMI, blood

pressure, blood sugar, cholesterolO Every 6 monthsO Send individualize information based

on resultO Send info to your DoctorO Can see trends over time

Savings on Prescriptions

O Drug Discount cards (including Pets)O Not greater than your plan card

O Discount Pharmacy ServicesO Hundreds of drugs for $4 for 30 day

supplyO Patient Assistance Programs

Savings on Prescriptions

O Prime Mail O Wegman’s *New

O Three month supply for only 2 copays

O 33% savings

There’s an app for that

Find a Blue Cross provider – Urgent care while traveling- Child at College- Find in-network

specialist

- Iphone only

Brain Health O Mental HealthO Protecting brain from traumaO Directing the body functionsO ThinkingO Memory

Don’t pay taxes !Health Savings Accounts

Flexible Savings Accounts

Limit $1850/$3650 $2500

Rolls over year to year Roll over $500 year to year

Triple Tax free Double Tax Free

Use in after you leave employment

Cannot use after you leave employment

FSA/HSAO Use this for unreimbursed ( not paid

by insurance)O Dental O VisionO MedicalO PrescriptionO Hearing

O Why are you still paying taxes on these dollars?

Ask the PharmacistO Email and response within 3 days

O Over the counter sleep aidsO Grapefruit and Birth ControlO Calcium supplementsO Medicine storageO Time of day

Blue 365O Discount Program

O Blue Cross members receive discounts O Reebok sneakerO Hearing AidsO Nutri systems/Jenney Craig

January 2016O IRS forms 1094c

Questions?O Michelle BrackinO Sue Michales

Forms, Links & Phone numbers CORTLANDASC.COM click employees