Slide 1

2014 Benefits

Open EnrollmentElections made during open enrollment will become effective on January 1, 2014.

East Central College offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.

All enrollment forms must be submitted to the Human Resource Office by November 15, 2013.

22Who is Eligible? Full-time employees who work a minimum 30 hours per week are eligible for Medical, Dental, Vision, Voluntary Life, and Disability.

Spouses and dependent children of eligible full-time employees may enroll in Medical, Dental, Vision and Voluntary Life.

33How to Make ChangesUnless you have a qualified event, you cannot make changes to the benefits you elect until the next open enrollment period. Qualified events include:

Marriage DivorceLegal separationBirth or adoption of a childChange in childs dependent statusDeath of spouse, child, or other qualifying dependentChange in spouses benefits or employment status

44Medical Plan and Network OptionsPlan OptionsDeductibleCoinsurance Base Plan $50080%Buy-Up Plan$0100%H.S.A. Plan$2500100%

5 Each plan offers two network options:

Blue Access Choice (BAC)

Blue Preferred Select (BPS)5Anthem NetworksBlue Access Choice (BAC) Network

Includes BJC Providers.

Blue Preferred Select (BPS) Network

Does NOT include BJC Providers.

6BJC Providers:

MO Baptist St. Louis, St. Louis Childrens Hospital, Barnes, Christian Northeast and Northwest, and doctors with Washington University. The BPS Network does include Missouri Baptist Sullivan Hospital. 6Medical Plan OptionsIn-Network BenefitsBenefitsBase PlanBuy-Up PlanH.S.A. PlanDeductible Individual Family $500$1,000$0$0$2,500$5,000Coinsurance 80%100%100%Out-of-Pocket Maximum*Individual Family $2,500$5,000$1,000$2,000$3,500**$7,000**

7* Includes copayments and coinsurance.

** Prescriptions also apply to the Out-of-Pocket Maximum for the H.S.A. Plan. 7Medical Plan Options In-Network Benefits

8BenefitsBase PlanBuy-Up PlanH.S.A. PlanPhysician Copay$20$20Deductible then CoinsuranceSpecialist Copay$40$40Deductible then CoinsuranceUrgent Care Copay$50$50Deductible then CoinsuranceEmergency Room Copay$200$200Deductible then Coinsurance8Medical Plan OptionsIn-Network BenefitsPrescription DrugBase PlanBuy Up PlanH.S.A. PlanTier 1 $10$10Deductible then $15Tier 2 $35$35Deductible then $30Tier 3 $60$60Deductible then $50

99IRS H.S.A. Contribution Limits2014 Contribution LimitIndividual Coverage$3,300Family Coverage$6,550Catch up (Age55 to 65)$1,000

1010East Central CollegeH.S.A. Contribution 11BPS NetworkBAC NetworkMonthly Contribution$196.86$196.86Monthly Network Incentive$24.68-Total Annual Contribution*$2,658.48$2,362.32

* For employees who enroll in additional coverage, the H.S.A. contribution will be applied to spouse, dependent or family premium. East Central Colleges contribution into your H.S.A. goes towards the 2014 IRS contribution limit.ECC Base Plan IncentiveEmployees that enroll in employee only coverage in the BPS Base plan will receive a deposit of $22.98 monthly into their F.S.A.

For employees who enroll in additional coverage, the F.S.A. contribution of $22.98 has been taken off the monthly premium.

1212Medical Cost BPS Network

13Monthly Cost to the Employee ElectionBPS H.S.A. PlanBPS Base Plan *BPS Buy-Up Plan *Employee Only$0.00$0.00$144.24Employee & Spouse$135.36$567.70 $923.50Employee & Child(ren)$61.54$458.54 $780.94Family $400.94$998.94 $1,486.72The BPS Network does not include BJC Providers. * Employees that enroll in additional coverage in the base or buy-up plan, $22.98 has already been deducted from the monthly premium.

** East Central College pays $588.62 toward every employees health plan.13Medical Cost BAC Network

14Monthly Cost to the Employee ElectionBAC H.S.A. PlanBAC Base PlanBAC Buy-Up PlanEmployee Only$0.00$0.00$184.78Employee & Spouse$182.84$628.36$1,019.04Employee & Child(ren)$104.32$512.22$867.40Family $465.36$1,087.60$1618.24The BAC Network does include BJC Providers. *East Central College pays $588.62 toward every employees health plan. 14

www.Anthem.com15Register HereFind a Provider15

Find A ProviderChoose Provider SpecialtyPut in location16Select what you are looking forSelect your networkSelect PPO as Plan Type/Network16DentalCoverage TypeEmployee Monthly Cost Employee Only$0.00Employee & Spouse$30.80Employee & Child(ren)$67.72Family$101.38

17Guardian will remain our carrier and there are no changes to the current benefits.

There is an increase for dependent coverage.

If you want to make a change to your current election, please contact the HR office.17Vision

18Coverage TypeEmployee Monthly Cost Employee Only$0.00Employee & Spouse$3.72Employee & Child(ren)$3.93Family$10.14VSP will remain the carrier and there are no changes to the current benefits.

There is no change in cost.

If you want to make a change to your current election, please contact the HR office.18Basic Life & Voluntary LifeEast Central College pays for a $50,000 basic life policy on all full-time employees. You may purchase additional life insurance. Please contact the Human Resource office to make changes to your voluntary life policy. Now is a great time to update your beneficiaries. To update yours please contact the Human Resource office.

1919Flexible Spending Account (F.S.A.)20Healthcare providers (including dentists and eye doctors) are obligated to bill your insurance first. You do not need to pay anything until you have received the following:

Your Explanation of Benefits (EOB).

The bill from your provider showing the balance you owe after your insurance has paid its portion of the claim.

F.S.A. Benny Card 21Once you get the bill from your provider, here is how to make a payment using your Flex Spending Benny Card:

Write your card number on the portion of the bill that allows for credit card payment.

Sign in the appropriate area.

Provide the expiration date.

You may also need to include a CBB (3 digit number on back of your card).

Return the completed form to your provider.

F.S.A. Benny Card22What you can use your Benny Card for:

Covered prescription and doctor copayments and deductibles

LASIK surgery and eyeglasses

Mail order and online prescriptions copayments and deductibles

Health plan deductibles and coinsurance

Patient balance due (For claims incurred in current plan year)

Orthodontia

Over-the-counter (OTC) items (if covered by your Plan) at participating pharmacies

Flexible Spending Account (F.S.A.)Web Tools: www.guardiananytime.com

Quickly create and upload claims

View current F.S.A. elections

View claims history

View account balances

View flexible spending account summary

Download and print plan documents

Access F.S.A. administration forms and frequently asked questions (FAQs)

23

2324

Reminder! All packets must to be turned into Human Resources by November 15, 2013.

If you want to make any changes to your vision, dental, or voluntary life plans you must complete a change form that can be picked up in the Human Resource office. All changes must be received by November 15, 2013.

2525Questions26