1 NORTHERN ARIZONA PUBLIC EMPLOYEES BENEFIT TRUST Open Enrollment Coconino Community College Plan Year July 1, 2011 – June 30, 2012 April 18 – May 18 2011

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NORTHERN ARIZONA PUBLIC EMPLOYEES BENEFIT TRUST

Open

Enrollment

Coconino Community College

Plan Year

July 1, 2011 – June 30, 2012

April 18 – May 18

2011

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NAPEBT Medical Plans

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NAPEBT – TrendsNAPEBT Health PremiumTrend versus National Health Premium Trend

$0

$100

$200

$300

$400

$500

$600

95-96

96-97

97-98

98-99

99-00

00-01

01-02

02-03

03-04

04-05

05-06

06-07

07-08

08-09

09-10

10-11

Plan Year

Mo

nth

ly E

mp

loye

e R

ate

NationalTrendNAPEBT

National health premium trend data is from the Hay Benefits Reports (Hay Group) adjusted from a calendar year basis to correspond with NAPEBT's fiscal year. The 2010 trend data was not available from Hay, therefore, the 2009 trend increase percentage was used. For the 2006-2007 plan year the NAPEBT contribution rates are a blend of the one plan offered (7/1/06-12/31/06) and three plans offered (1/1/07-6/30/07) weighted by enrollment. For the 2008-2009 and 2009-2010 plan years the NAPEBT rates are a blend of all three plans weighted by enrollment.

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NAPEBT – Large Medical Claims Paid

Claims per Employee per Month

$476.41

$450.30

$525.59

$400.00

$420.00

$440.00

$460.00

$480.00

$500.00

$520.00

$540.00

FY08 FY09 FY10

Fiscal Year Total ClaimsAverage # of Employees

Claims per Employee per Month

FY08 $19,499,142 3,609 $450.30

FY09 $21,078,317 3,687 $476.41

FY10 $22,797,920 3,615 $525.59

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NAPEBT – Total Claims Paid

Northern Arizona Public Employees Benefit TrustPaid Claims > $75,000

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1

7

1417

6 6

2

31

12

7

3

86

36

21

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5 5 4

46

0

5

10

15

20

25

30

35

40

45

50

$75,000-$99,999

$100,000-$124,999

$125,000-$149,999

$150,000-$199,999

$200,000+ TOTAL

Num

ber

of C

laim

s

7/1/2006-6/30/2007 7/1/2007-6/30/20087/1/2008-6/30/2009 7/1/2009-6/30/2010

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NAPEBT Medical PlansBlue Cross Blue Shield of Arizona

NAPEBT Rx PlansCVS Caremark


Plan Year

July 1, 2011 – June 30, 2012

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NAPEBTNorthern Arizona Public Employees Benefit Trust

• Coconino County

• City of Flagstaff

• Coconino Community College

• Flagstaff Unified School District

• NAIPTA

Northern Arizona Intergovernmental Public Transit Authority

• Housing Authority

• Accommodation Schools

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MEDICAL PLAN EFFECTIVE July 1, 2011

In-Network Buy-Up Plan Base Plan HDHPCalendar Year Deductible: Per person Per family

$500$1,000

$750$1,500

$1,250**$2,500**

PCP Copay – Per visit $25 $35 80%/20%

Specialist Copay – Per visit $35 $45 80%/20%

Chiropractic Copay $35 $45 80%/20%

Urgent Care Copay $50 $75 80%/20%

Emergency Room Access Fee $100* $150* $100*

Inpatient Hospital Admit Fee $100* $100* Does not apply

Member Coinsurance 20% after ded 20% after ded 20% after ded

Out of Pocket Maximum: Per person Per family

$3,000

$6,000

$3,000

$6,000

$4,000

$8,000

Rx Retail Copay $5/$35/$55/$105 $5/$35/$55/$105 After ded – 20% or $5

Rx Retail 90 day Copay 2.5x Copay 2.5x Copay After ded – 20% or $5

Rx Mail Order 90 day Copay 2x Copay 2x Copay After ded – 20% or $5

Out-of-NetworkCalendar Year Deductible: Per person Per family

$1,000$2,000

$1,500$3,000

$1,250**$2,500**

Member Coinsurance 40% after ded 40% after ded 40% after ded*Access/Admit Payment and Deductible applied prior to 80%/20% coinsurance **The In and Out-of-Network deductibles are combined for HDHP.

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Medical Plan FY12 Employee Cost per pay period

Employee Costper month

Employer (CCC) Costper month

Total

Buy-Up Plan - $500 Deductible

Employee $30.90 $ 61.80 $ 452.78 $ 514.58

Employee +1 $291.12 $ 582.24 $ 452.78 $ 1035.02

Employee + Family $499.52 $999.04 $ 452.78 $ 1451.82

Base Plan - $750 Deductible

Employee $ 10.00 $ 20.00 $ 452.78 $ 472.78

Employee +1 $ 249.11 $ 498.22 $ 452.78 $ 951.00

Employee + Family $ 440.59 $ 881.18 $ 452.78 $ 1333.96

HDHP/HSA - $1,250 Deductible * $27.68 per month employer contribution to HSA or FSA

Employee $ 0.00 $ 0.00 $ 425.10 $ 425.10

Dependent $ 215.02 $ 430.04 $ 425.10 $ 855.14

Employee + Family $ 387.18 $ 774.36 $ 425.10 $ 1199.46

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Employee Cost SharingApproved & Adopted by NAPEBT

• Historically, NAPEBT Employers funded 100% of employee base level premium

• Due to cost, NAPEBT will be shifting a portion of the base level premium to employees.

•$20 will be added to your Cafeteria dollars ($200 to $220 per month).

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Medical Plan FY12 Savings

Per Paycheck

Savings

For Month

Buy-Up PlanEmployeeEmployee + 1Employee + Family

$ 11.57$ 31.06$ 46.67

$ 23.14$ 62.12$ 93.34

Base PlanEmployeeEmployee + 1Employee + Family

$ 10.00$ 27.91$ 42.25

$ 20.00$ 55.82$ 84.50

HDHPEmployee

Employee + 1Employee + Family

$ 0.00 ($10 deposited to HSA or FSG)

$ 16.10$ 28.99

$ 0.00 ($20 deposited to HSA or FSG)

$ 32.20$ 57.98

Employee Premium Holiday

One Month at Last Year’s Rates!This will occur in February of 2012

Total Cost to NAPEBT for Employee Premium Increase Holiday: $ 75,100


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• $27.68 per month ($332.16 per year)

•$20 CAF money can be contributed (totaling $572.16 per year!)

• Health Savings Account if Eligible

• Who is NOT eligible for an HSA? Individuals entitled to Medicare (eligible & Individuals entitled to Medicare (eligible &

enrolled)enrolled)

Individuals covered under another non-HDHPIndividuals covered under another non-HDHP

Individuals enrolled in AHCCCS or Medicaid or Individuals enrolled in AHCCCS or Medicaid or have used IHShave used IHS

• Flexible Spending Account if NOT Eligible for HSA

HDHP Employer Contribution


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Two ID cards– Medical and Rx –Continue to use same pharmacies

Mail Order

–Will need a new prescription

–Fast Start program

90 days at Retail for 2-1/2 times co-pay

Grandfathering of drugs – first 6 months

– A small percentage of drugs will change tiers after 6 months (January 1, 2012)

– Will receive a letter if your drug is changing

Register at Caremark.com

– Check drug costs– Compare prices of Generic vs. Retail

CVS/Caremark New Rx Vendor


For more information attend one of

the following presentations made

by CVS/Caremark on:

• May 4th 2:00 to 2:30 room 132

•May 5th 10:30 to 11:00 Board Room

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Mayo Clinic in Arizona- Is an in-network Provider on all plans- Includes Mayo Clinic and Mayo Clinic Hospital Services- Identify as member of NAPEBT

Waivers of Medical Coverage

- Other coverage under a qualified group plan other than another NAPEBT employer, Medicare or Other Public Health Coverage - Must provide enrollment confirmation

FYI… Useful Information


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Deductibles run on calendar year

- January 1st – December 31st

Dual-spouse Deductible Coordination- Husband and wife employed by a NAPEBT employer.- Base and buy-up plans only.- One spouse must have family coverage. - Indicate on the Blue Cross enrollment form that your spouse works for NAPEBT and provide the spouse’s ID number.



Member ID Cards

- Have available at every appointment!

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Patient Protection and Affordable Care Act Healthcare Reform

Pre-existing Condition Restrictions

- Removed for children younger than age 19

- Still applies for adults until 2014

Preventative Services

- No office visit co-pay for recommended screenings, general physicals and vaccinations

Eligible Dependents to Age 26- Without regard to

- Student Status- Marital Status- Financial Dependence

- Only applies to legal child of employee- Does not extend to the spouse or child(ren) of the adult child - Applies ONLY to Medical plan and Flexible Spending Accounts


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Wellness Incentive Program

July 2012 – June 2013

NAPEBT – Self-funded Plan• Rates driven by claims experience

• Increase of large claims

• Increased frequency of in-patient hospitalization

Improved Health of Employees• Long-term results

Return on Investment• Studies show a $4 return for every dollar spent on Wellness programs.

• Lower costs for everyone

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Wellness Incentive Program

July 2012 – June 2013

$20 Cost Share with Employee• $20 per month increase to employee cost for Base and Buy-Up plans totaling $40 per month.

• $20 decrease to HSA / FSA contribution on HDHP.

Opportunity to Waive the $20 Increase in FY 2013• Employee participates in Wellness Program

• Complete Biometric Testing

• Fall 2011 Health Fair

• Jan – May 2012

• Complete MyBluePrint Health Assessment

• www.azblue.com

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NAPEBT Dental PlansDelta Dental of Arizona


Plan Year

July 1, 2011 – June 30, 2012

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DENTAL PLAN EFFECTIVE JULY 1, 2011

Dental Plan FY12

Annual Maximum Benefit per Person

Routine Services

Basic Services

Major Services

Calendar Year Deductible

Base Plan

$1,000

100%

80%

50%

$50 per person

$150 per family

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No premium increase to dental rates

Dental Plan FY12Monthly Premium

Employee Cost per

Pay period

Base Plan$1,000 Annual Benefit

Employee $ 32.86 $ 16.43

Family $ 92.20 $ 46.10

DENTAL PLAN EFFECTIVE JULY 1, 2011

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NAPEBT Vision PlansVSP


Plan Year

July 1, 2011 – June 30, 2012

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VISION PLAN EFFECTIVE JULY 1, 2011

Vision Plan FY12 Buy-Up PlanBase Plan

Employee OnlyIn-Network

Eye ExamOnce every 12 months

$15.00 Co-pay $15.00 Co-pay

Prescription LensesOnce every 12 months

$25 Material Co-payLenses and/or Frames

20% Discount on a complete pair of glasses.Frames

Once every 24 months

$25 Material Co-pay Lenses and/or Frames

$120 Allowance

20% off additional cost

ContactsInstead of Glasses

15% discount off contact lens exam

$120 allowance for exam & contacts

15% Discount on Contact Lens

Exam

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No premium increase to vision rates

VISION PLAN EFFECTIVE JULY 1, 2011

Vision Plan FY12Monthly Premium CCC Cost Employee Cost

per MonthEmployee Cost per Paycheck

Buy-Up Plan

Employee $ 6.97 $ 0.77 $ 6.20 $ 3.10

Employee + Family

$ 14.97 $ 0.77 $ 14.20 $ 7.10

Base PlanEmployee ONLY

Employee $ 0.77 $ 0.77 $ 0.00 $ 0.00

Employee + Family

$ 1.76 $ 0.77 $ 0.99 $ 0.50

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NAPEBT Life Insurance PlansMinnesota Life


Plan Year

July 1, 2011 – June 30, 2012

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LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011

Basic Term Life & Accidental Death & Dismemberment InsuranceCoverage is 2 x annual salary up to $100,000

• Provided by Coconino Community College at no cost to the employee

• May convert to an individual policy upon separation of employment

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Voluntary Term Life Insurance• Employee may increase elected coverage amount by $10,000 at Open Enrollment without underwriting (up to the Guaranteed Issue limit of $100,000)

• $100,000 guaranteed issue at original enrollment

• Maximum coverage amount = 5x annual salary up to $500,000

• Insure spouse up to half of employee’s voluntary coverage election

• Insure children @ $10,000

•Please see rate chart to calculate correct deduction.


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Voluntary Term Life Insurance• Rate Change

• % of Increase Varied by Age Bracket

• Child Rate – No Change

Examples (see new rate chart) Previous Monthly Rate Effective July 1, 2011

Employee – Age 36

$80,000 Coverage

$ 5.60 $ 7.20

Employee – Age 52

$100,000 Coverage

$ 19.00 $ 23.00

Spouse – Age 47

$25,000 Coverage

$ 3.25 $ 4.75

Spouse – Age 59

$40,000 Coverage

$ 14.40 $ 21.20

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Flexible Spending Accounts

ASI Flex


Plan Year

July 1, 2011 – June 30, 2012

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Flexible Spending Accounts

Reduce Tax Liability

Health Care FSA (HCFSA) – allows you to set aside pre-tax dollars to pay for eligible health care expenses not covered by insurance or reimbursed from any other source.• Limited Purpose Health Care FSA (use with a High Deductible

Health Plan (HDHP) and Health Savings Account (HSA)

(dental, vision and preventive care expenses only)• General Purpose Health Care FSA (qualified health care

expenses)

Dependent Care FSA (DCFSA) – allows you to set aside pre-tax dollars to pay for eligible day care expenses for children up to the age of 13, disabled children over age 13, and elder care.

FSA PLAN EFFECTIVE JULY 1, 2011

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FSA – Medical• Unreimbursed Medical, Prescription, Dental, & Vision expenses

• Up to $3,000 Per Year

• Debit Card

• Reimbursement by Check or Direct Deposit

• Full Amount Elected Available Immediately

• MUST RE-ENROLL EACH YEAR!

• Use or Lose – Be Conservative!


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Ineligible Health Care Expenses• Cosmetic Expenses

• Rogaine, bleaching of teeth, cosmetic surgery (other than reconstructive surgery following a mastectomy for cancer)

• Dietary Supplements such as Vitamins (unless prescribed by a physician)

• Personal Use Items

• Health Club Memberships

• Tanning Salon

• Over-the-Counter Medications Unless Prescribed by a Doctor


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FSA – Dependent Care• Up to $5,000 per year

• Reimbursement by Check or Direct Deposit

• Funds Available as Contributed

• MUST RE-ENROLL EACH YEAR!

• Use or Lose – Be Conservative!


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Ineligible Dependent Care Expenses• School Expenses for Children in Kindergarten or Older

• Overnight Camping

• Expenses for a Child Age 13 or older (unless disabled)

• Expenses for Nighttime Babysitting

• Daycare Expenses During an Extended Leave of Absence

• When a Dependent is Providing Child Care

• Expenses Paid to Your Child Under the Age of 19

(even if child is not your dependent)


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Health Savings Accounts

HealthEquity


Plan Year

July 1, 2011 – June 30, 2012

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HSA PLAN EFFECTIVE JULY 1, 2010

Health Savings Accounts

Only available with election of HDHP Reduce Tax Liability Use like flexible spending account for Medical,

Prescription, Dental and Vision Unspent money rolls over year after year; NOT use it or

lose it

Take it with you when you leave or retire• Pay for COBRA, Medicare or Long Term Care

Premiums• Never pay taxes as long as used for qualified

expenses

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• Health Equity and Blue Cross Blue Shield of Arizona have created an integrated Health Savings Account (HSA) solution.

• Your claims information will now be available with your HSA account information for easier management of claims payment and review.

• When you login to the Blue Cross web site (www.blueaz.com) you can click on a link to take you to the Health Equity portal where you can view your claims, see how much you owe, and process payment (pay a provider, or yourself) – all from the same website.


HSA PLAN EFFECTIVE JULY 1, 2010

To learn more attend one of the following

information sessions presented by Health

Equity on:

•May 4th 1:30-2:00 room 132

•May 5th 10:00-10:30 Board Room

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Voluntary Short-term Disability

Assurant


Plan Year

July 1, 2011 – June 30, 2012

Assurant Short Term Disability

Benefit amount can not exceed 66 2/3 of your regular monthly salary.

Elimination Period: 7 days for injury, 7 days for sickness.

Duration: 6 months

Pre-Existing Condition Limitation: Benefits are not payable for disabilities that commence within 12 months of

your effective date that are caused by, contributed by, or resulting from a pre-existing condition. A pre-existing condition means a condition you received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs for the condition in the 12 months just prior to your effective date.

Portability: You may continue coverage after your employment ends. Coverage will be

continued at 50% of the monthly benefit you are insured for at the time you ended employment.

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Assurant RatesGuarantee Issue Amount: $2,000

Minimum Gross Annual Salary

Maximum Monthly Benefit

Monthly Premium

$6,480 $360 $8.36

$9,180 $510 $11.68

$13,500 $750 $16.94

$18,000 $1,000 $22.44

$21,600 $1,200 $26.84

$27,000 $1,500 $33.44

$30,600 $1,700 $38.38

$36,000 $2,000 $45.14

$40,500 $2,250 $50.78

$45,000 $2,500 $56.42

$49,500 $2,750 $62.06

$54,000 $3,000 $67.72

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403(b) and 457(b) plans

ING, Valic, The Hartford, MetLife, and Security Benefit


Plan Year

July 1, 2011 – June 30, 2012

403(b), 457(b) and Roth 403(b) Plans

This a convenient way to set money aside, tax free for future needs such as education and/or retirement.

Who’s eligible to participate: All employees who work at least 20 weeks/fiscal year and at

least 20 hours per week are eligible to participate.

Part-time Faculty.

The Companies available for the 403 (b) and 457 (b) plans are ING, VALIC, The Hartford, MetLife, and Security Benefit.

To set up an account: First contact a vendor.

Then complete the Salary Reduction Agreement form.

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Open Enrollment Instructions

How to make changes


Plan Year

July 1, 2011 – June 30, 2012

Changes online and complete forms

Complete the appropriate forms. Each vendor has their own form.

Forms available on intranet and hard copies in Human Resources.

Remember to update beneficiaries. Unable to make changes on-line at this time.

Must be done by May 18, 2011.

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Questions?

Open Enrollment 2011

Documents

1 NORTHERN ARIZONA PUBLIC EMPLOYEES BENEFIT TRUST Open Enrollment Coconino Community College Plan Year July 1, 2011 – June 30, 2012 April 18 – May 18 2011