NORTHERN ARIZONA PUBLIC EMPLOYEES BENEFIT TRUST Open April

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

NAPEBT Medical Plans 2

NAPEBT – Trends 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. 3

NAPEBT – Large Medical Claims Paid Fiscal Year Total Claims Average # of Employees Claims per Employee per Month FY 08 $19, 499, 142 3, 609 $450. 30 FY 09 $21, 078, 317 3, 687 $476. 41 FY 10 $22, 797, 920 3, 615 $525. 59 4

NAPEBT – Total Claims Paid 5

NAPEBT Medical Plans Blue Cross Blue Shield of Arizona NAPEBT Rx Plans CVS Caremark Coconino Community College Plan Year July 1, 2011 – June 30, 2012 6

NAPEBT Northern Arizona Public Employees Benefit Trust • Coconino County • City of Flagstaff • NAIPTA Northern Arizona Intergovernmental Public Transit Authority • Coconino Community College • Housing Authority • Flagstaff Unified School District • Accommodation Schools 7

MEDICAL PLAN EFFECTIVE July 1, 2011 In-Network Buy-Up Plan Base Plan HDHP $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* Does not apply 20% after ded $3, 000 $6, 000 20% after ded $4, 000 $8, 000 $5/$35/$55/$105 After ded – 20% or $5 2. 5 x Copay After ded – 20% or $5 2 x Copay After ded – 20% or $5 $1, 000 $2, 000 $1, 500 $3, 000 $1, 250** $2, 500** 40% after ded Calendar Year Deductible: Per person Per family Member Coinsurance Out of Pocket Maximum: Per person Per family Rx Retail Copay Rx Retail 90 day Copay Rx Mail Order 90 day Copay Out-of-Network Calendar Year Deductible: Per person Per family Member Coinsurance *Access/Admit Payment and Deductible applied prior to 80%/20% coinsurance **The In and Out-of-Network deductibles are combined for HDHP. 8

MEDICAL PLAN EFFECTIVE July 1, 2011 Medical Plan FY 12 Employee Cost per pay period Employee Cost per month Employer (CCC) Cost per month Total Buy-Up Plan - $500 Deductible $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 $ 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 Employee Base Plan - $750 Deductible Employee HDHP/HSA - $1, 250 Deductible * $27. 68 per month employer contribution to HSA or FSA $ 0. 00 $ 425. 10 Dependent $ 215. 02 $ 430. 04 $ 425. 10 $ 855. 14 Employee + Family $ 387. 18 $ 774. 36 $ 425. 10 $ 1199. 46 Employee 9

MEDICAL PLAN EFFECTIVE July 1, 2011 Employee Cost Sharing Approved & 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). 10

MEDICAL PLAN EFFECTIVE July 1, 2011 Employee Premium Holiday One Month at Last Year’s Rates! This will occur in February of 2012 Medical Plan FY 12 Buy-Up Plan Employee + 1 Employee + Family Savings Per Paycheck Savings For Month $ 11. 57 $ 31. 06 $ 46. 67 $ 23. 14 $ 62. 12 $ 93. 34 $ 10. 00 $ 27. 91 $ 42. 25 $ 20. 00 $ 55. 82 $ 84. 50 Base Plan Employee + 1 Employee + Family HDHP Employee $ 0. 00 ($10 deposited to Employee + 1 Employee + Family $ 16. 10 $ 28. 99 HSA or FSG) $ 0. 00 ($20 deposited to HSA or FSG) $ 32. 20 $ 57. 98 Total Cost to NAPEBT for Employee Premium Increase Holiday: $ 75, 100 11

MEDICAL PLAN EFFECTIVE July 1, 2011 HDHP Employer Contribution • $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 & enrolled) Individuals covered under another non-HDHP Individuals enrolled in AHCCCS or Medicaid or have used IHS • Flexible Spending Account if NOT Eligible for HSA 12

MEDICAL PLAN EFFECTIVE July 1, 2011 CVS/Caremark New Rx Vendor Ø Two ID cards – Medical and Rx –Continue to use same pharmacies Ø Mail Order e of th ne nd oade by atte ion tions m: at formesenta ark on in ore ing pr /Carem 132 or m llow CVS oom F fo om 30 r d Ro o 2: –Will need a new prescription –Fast Start program t ar 2: 00 0 Bo 11: 0 y 4 • Ma th 0: 30 to 1 ay 5 M th • Ø 90 days at Retail for 2 -1/2 times co-pay Ø 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 Ø Register at Caremark. com – Check drug costs – Compare prices of Generic vs. Retail 13

MEDICAL PLAN EFFECTIVE July 1, 2011 FYI… Useful Information Ø 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 Ø 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 14

MEDICAL PLAN EFFECTIVE July 1, 2011 FYI… Useful Information Ø Deductibles run on calendar year - January 1 st – December 31 st Ø Dual-spouse Deductible Coordination - Husband 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. Ø Member ID Cards - Have available at every appointment! 15

MEDICAL PLAN EFFECTIVE July 1, 2011 Patient Protection and Affordable Care Act Healthcare Reform Ø Pre-existing Condition Restrictions - Removed for children younger than age 19 - Still applies for adults until 2014 Ø Preventative Services - No office visit co-pay for recommended screenings, general physicals and vaccinations Ø 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 16

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 17

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 My. Blue. Print Health Assessment • www. azblue. com 18

NAPEBT Dental Plans Delta Dental of Arizona Coconino Community College Plan Year July 1, 2011 – June 30, 2012 19

DENTAL PLAN EFFECTIVE JULY 1, 2011 Dental Plan FY 12 Base Plan Annual Maximum Benefit per Person $1, 000 Routine Services 100% Basic Services 80% Major Services 50% Calendar Year Deductible $50 person $150 per family 20

DENTAL PLAN EFFECTIVE JULY 1, 2011 No premium increase to dental rates Monthly Premium Employee Cost per Pay period Employee $ 32. 86 $ 16. 43 Family $ 92. 20 $ 46. 10 Dental Plan FY 12 Base Plan $1, 000 Annual Benefit 21

NAPEBT Vision Plans VSP Coconino Community College Plan Year July 1, 2011 – June 30, 2012 22

VISION PLAN EFFECTIVE JULY 1, 2011 Vision Plan FY 12 Buy-Up Plan Base Plan Employee Only In-Network Eye Exam Once every 12 months $15. 00 Co-pay Prescription Lenses Once every 12 months $25 Material Co-pay Lenses and/or Frames Once every 24 months $120 Allowance 20% Discount on a complete pair of glasses. 20% off additional cost Contacts Instead of Glasses 15% discount off contact lens exam $120 allowance for exam & contacts 15% Discount on Contact Lens Exam 23

VISION PLAN EFFECTIVE JULY 1, 2011 No premium increase to vision rates Monthly Premium CCC Cost Employee Cost per Month Employee Cost per Paycheck Employee $ 6. 97 $ 0. 77 $ 6. 20 $ 3. 10 Employee + Family $ 14. 97 $ 0. 77 $ 14. 20 $ 7. 10 Employee $ 0. 77 $ 0. 00 Employee + Family $ 1. 76 $ 0. 77 $ 0. 99 $ 0. 50 Vision Plan FY 12 Buy-Up Plan Base Plan Employee ONLY 24

NAPEBT Life Insurance Plans Minnesota Life Coconino Community College Plan Year July 1, 2011 – June 30, 2012 25

LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011 Basic Term Life & Accidental Death & Dismemberment Insurance Coverage 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 26

LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011 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 = 5 x 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. 27

LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011 Voluntary Term Life Insurance • Rate Change • % of Increase Varied by Age Bracket • Child Rate – No Change Examples (see new rate chart) Employee – Age 36 Previous Monthly Rate Effective July 1, 2011 $ 5. 60 $ 7. 20 $ 19. 00 $ 23. 00 $ 3. 25 $ 4. 75 $ 14. 40 $ 21. 20 $80, 000 Coverage Employee – Age 52 $100, 000 Coverage Spouse – Age 47 $25, 000 Coverage Spouse – Age 59 $40, 000 Coverage 28

Flexible Spending Accounts ASI Flex Coconino Community College Plan Year July 1, 2011 – June 30, 2012 29

FSA PLAN EFFECTIVE JULY 1, 2011 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. 30

FSA PLAN EFFECTIVE JULY 1, 2011 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! 31

FSA PLAN EFFECTIVE JULY 1, 2011 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 32

FSA PLAN EFFECTIVE JULY 1, 2011 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! 33

FSA PLAN EFFECTIVE JULY 1, 2011 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) 34

Health Savings Accounts Health. Equity Coconino Community College Plan Year July 1, 2011 – June 30, 2012 35

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 36

HSA PLAN EFFECTIVE JULY 1, 2010 FYI… Useful Information • 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 on (pay a provider, or yourself) – all from the same website. rmati fo in owingty on: foll i of theealth Equ ne y H nd o e atteesented b 0 room 132 mor r oom learn essions p th 1: 30 -2: 0 o T s ard R 4 0 Bo • May 0 -10: 3 th 10: 0 ay 5 • M 37

Voluntary Short-term Disability Assurant Coconino Community College Plan Year July 1, 2011 – June 30, 2012 38

Assurant Short Term Disability ØBenefit amount can not exceed 66 2/3 of your regular monthly salary. ØElimination Period: 7 days for injury, 7 days for sickness. ØDuration: 6 months ØPre-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. ØPortability: · 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. 39

Assurant Rates Guarantee 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 40

403(b) and 457(b) plans ING, Valic, The Hartford, Met. Life, and Security Benefit Coconino Community College Plan Year July 1, 2011 – June 30, 2012 41

403(b), 457(b) and Roth 403(b) Plans ØThis a convenient way to set money aside, tax free for future needs such as education and/or retirement. ØWho’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. ØThe Companies available for the 403 (b) and 457 (b) plans are ING, VALIC, The Hartford, Met. Life, and Security Benefit. ØTo set up an account: · First contact a vendor. · Then complete the Salary Reduction Agreement form. 42

Open Enrollment Instructions How to make changes Coconino Community College Plan Year July 1, 2011 – June 30, 2012 43

Changes online and complete forms Ø Complete the appropriate forms. Each vendor has their own form. Ø Forms available on intranet and hard copies in Human Resources. Ø Remember to update beneficiaries. Unable to make changes on-line at this time. Ø Must be done by May 18, 2011. 44

Open Enrollment 2011 Questions? 45