Welcome To Temple University Health System 1

Welcome To Temple University Health System! 1

One System, One Program Eligible dependents: (medical, prescription drug, dental and vision plan benefits) Children – – Birth children* Step-children Adopted children* For whom you have legal custody under age 26 Children, cont. § Any age, totally and permanently disabled § Qualified Medical Child Support Orders Spouse § Legally married spouse (*) Dependents eligible for TUHS Tuition Remission Program 2

To enroll your dependents … § Proof of relationship § Social Security numbers & birth dates required for all covered dependents – If your dependent does not have a social security number, please write in their nationality § If enrolling a handicapped dependent child over the age of 26 – Evidence of prior group coverage – IBC handicapped certificate required for review 3

Life Events • You have 30 days from a life event to make the appropriate change to your enrollments • Marriage • Add spouse to current coverage • Divorce • Remove former spouse from current coverage • Birth, adoption • Add child(ren) to current plans • Loss of other benefits of no fault of your own • Elect medical, dental or vision 4 YOUR TOMORROW BEGINS HERE

Your Enrollment Form 5

Medical Benefits § Personal Choice Plans – Temple Care – Advantage Plan – High Option 6

Medical Plan Features § Self-insured § Three Personal Choice options that offer: – Competitive array of covered services – Different ways to receive & pay for services – Financial incentives to use Temple Network – 3 -tier drug program – Health & wellness education supporting informed choice § $75 Emergency Copay § Mid-year changes only for life events (30 days from life event to make change); open enrollment in Dec. for Jan 1 plan year 7

Understanding the networks Temple. Care Network (900+) All providers are in Personal Choice network with privileges at TUHS facilities TPI /TUP employed docs: no copays TUH hospitals + CHOP & St. Chris Make sure you understand the out-ofpocket costs when selecting your insurance plan and if choosing nonnetwork providers and facilities. Out-of-Network Providers not in Personal Choice Network Annual deductible Higher out-of-pocket costs Personal Choice Network Benefits not as high as Temple Network All Temple providers are in Personal Choice Higher out-of-pocket than Temple Network Co-pays and deductibles Blue Card services across the country 8

TUHS Medical Plan Options Temple. Care Option No “per paycheck” cost Higher out-of-pocket costs for docs or hospitals: § In Personal Choice Network (non-Temple) § Out-of-Network High Option Advantage Option Highest “per paycheck” cost Lowest out-of-pocket cost Higher out-of-pocket costs for docs or hospitals out-ofnetwork Same benefits level for docs or hospitals in Personal Choice or Temple Network Mid-level “per paycheck” cost Balance between Temple. Care & High Option Common benefit design No copays collected by Temple-employed physicians. 9

Which Option Is Best For You? § Ask these questions: • Do you already use Temple facilities and providers or do you plan to? • Do you travel or have children away at school? • Do you anticipate a procedure in the future at a facility other than TUHS? • Do you prefer to pay more out of your paycheck and less at the doctor’s office? • Or, less out of your paycheck and more at the time of service? 10

Temple. Care Option Temple Network Personal Choice Network Out-of-Network Annual Deductible None $500/person $1, 500/family $1, 000/person $3, 000/family Coinsurance Maximum None $3, 000/person $9, 000/Family $4, 000/person $12, 000/family Out-of-Pocket Maximum $1, 000/person $3, 000/family $4, 200/person $10, 700/family None Lifetime Maximum Unlimited Primary Care Physician 100% after $5 co-pay 100% after $20 co-pay 60% after deductible Specialist 100% after $5 co-pay 100% after $20 co-pay 60% after deductible Inpatient Hospital 100% $2, 000 per admission, then plan pays 80% after reaching deductible 60% after deductible 11

High Option Personal Choice Network (includes Temple Network providers) Out-of-Network Annual Deductible None $500/person $1, 500/family Coinsurance Maximum None $1, 000/person $3, 000/family Out-of-Pocket Maximum* $1, 000/person $3, 000/family None Lifetime Maximum Unlimited $1 million Primary Care Physician 100% after $10 co-pay 80% after deductible Specialist 100% after $10 co-pay 80% after deductible Inpatient Hospital 100%, up to 365 days 80% after deductible, up to 70 days 12

Advantage Option Temple Network Personal Choice Network Out-of-Network Annual Deductible None $250/person $750/family $500/person $1, 500/family Coinsurance Maximum None $2, 000/person $6, 000/family $3, 000/person $9, 000/family Out-of-Pocket Maximum* $1, 000/person $3, 000/family $3, 750/person $10, 700/family None Lifetime Maximum Unlimited $1 million Primary Care/Specialist 100% after $15 copay 100% after $20 co-pay 70% after deductible Inpatient Hospital 100% up to 365 days $250 per admission co-pay, then plan pays 90% after deductible, up to 365 days 70% after deductible, up to 70 days 13

TUHS Employee Cost Rates subject to change Single Bi-Weekly Temple. Care $0. 00 Advantage Plan $31. 88 $84. 13 High Option 14 Family $55. 82 $148. 66

Accolade • New Service to Assist employees navigate the healthcare system! • Accolade Health Assistants serve as a single point of contact for all of your health benefits and healthcare needs • Provide services such as assistance with claims issues, finding a physician, or general questions regarding the TUHS medical and prescription plans • Connect with your health assistant by calling 888 -659 -8302 Monday – Friday 8 AM – 8 PM 15

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Prescription drug benefits CVS/Caremark § Features of our Prescription Plan: – Use of Generics • Where there is an exact chemical equivalent, you must use the generic – Generic Step Therapy • Certain medications require that you use a generic first. Refer to your handout “Brand Medications Requiring Use of a Generic First” 17

Prescription drug benefits – Maintenance Choice Program • Long term medications need to be dispensed at your local CVS pharmacy or through CVS/Caremark mail order service only • If using your local CVS pharmacy, you must receive a 90 day supply • Fills through CVS/Caremark mail order be filled for lesser quantities if you would like (30, 60 or 90 days) • One time fills at any participating pharmacy 18

Prescription drug benefits – Specialty Guideline Management • Specialty Guideline Management is a comprehensive specialty utilization management program that helps to ensure appropriate, safe and effective medication use, including review both before therapy initiation and during ongoing treatment • Refer to the listing of “Specialty Guideline” medications 19

Prescription Drug Benefits Three-tier coinsurance structure: If you purchase a… Generic drug A drug that’s the chemical equivalent of an advertised brand-name drug Performance brand-name drug A drug that’s within select therapeutic categories 20% Non-performance brand-name drug 20 You’re choosing … Your coinsurance amount is … A brand-name drug not on the Performance Drug List 35% 15%

Dental Benefits § United Concordia (UCCI) Dental Plan § Alliance Preferred Provider Network – UCCI. com/client corner § Offers freedom of choice in providers § Manage your own dental care costs – Passive PPO Plan means benefits in- and outof-network – Stay in-network: enjoy discounted, prenegotiated fees – Out-of-network: subject to dentist’s balance billing 21

Schedule of Benefits § § Concordia Flex Schedule of Benefits – Plan Pays Class I Services – Exams 100% – All X-Rays 100% – Cleanings 100% – Fluoride Treatments 100% – Space Maintainers 100% – Palliative Treatment 100% Class II Services – Basic Restorative 100% – Endodontics 100% – General Anesthesia 100% – Simple Extractions 100% $1, 000 person annual benefit § § All services listed on this Schedule of Benefits are subject to the Schedule of Exclusions and Limitations. Participating Dentists accept the Maximum Allowable Charge as payment in full.

Vision benefits § Providers – TU Department of Ophthalmology • 215 -707 -5300 • Boyer Pavilion, 6 th floor • Fort Washington • Jeanes Hospital – The Eye Institute of the Pennsylvania College of Optometry • 215 -276 -6111 § Benefits – Routine eye exam every 2 years – AND one of the following: • Glass, selected single vision lenses and plastic frame • Glass, selected bifocal lenses and plastic frame • Contact lens credit 23

Medical Flexible Spending Account Make the most of pre-tax savings … manage your out of pocket medical, dental or drug costs using your Medical FSA! Benefit runs 7/1 – 12/13/16, reenroll at OE for 2017 Use your Flex Card: § At most pharmacies and doctor offices § To prescription eyewear or contact lenses § To pay for prescription coinsurance amounts 24

Medical Flexible Spending Account Here’s how it works … § Elect now for 2016 or each December at OE you can elect to participate in a medical flexible spending account (FSA) for the following calendar year* § You can put away up to $2, 550 (pre-tax!) per household in a medical FSA § You can submit your claims for reimbursement from your medical FSA until March 31 of the following plan year * Unless you experience a qualified Life Event throughout the year 25

Dependent Care Flexible Spending Account Make the most of pre-tax savings … manage your dependent care costs using your dependent care FSA! Benefit runs 1 st of the month following hire for the calendar year, reenroll at OE for 2017 § Easy to use § You are able to use your Flex Card in some approved day care locations 26

Dependent Care Flexible Spending Account Here’s how it works … § Elect now for 2016 or each December at OE you can elect to participate in the dependent care flexible spending account (FSA) for the following calendar year* § You can put away up to $5, 000 (pretax!) per household in a dependent care FSA § You can submit your claims for reimbursement from your dependent care FSA until March 31 after the end of the plan year 27 * Unless you experience a qualified Life Event throughout the year

Basic Life and Basic Accidental Death & Dismemberment (AD&D) The Health System pays the full cost of your basic life and AD&D insurance coverage! § Basic life insurance coverage equals $10, 000 benefit § Basic Accidental Death & Disability insurance coverage equals $10, 000 benefit 28

Supplemental (Voluntary) Life Enhanced coverage options are available through the Universal Program § Supplemental employee only coverage available § Employees may buy from one and a half (1. 5) to five (5) times their salary on an post-tax basis ($1, 000 max) § Coverage for four (4) or five (5) times salary or above $500, 000 requires completion of an Evidence of Insurability application and approval by the insurance company § Term coverage that is in effect during your employment with TUHS 29

Accidental Death and Dismemberment Insurance § Employees may purchase insurance on posttax basis for: – Spouse – Eligible children § Coverage available in $10, 000 increments, maximum $150, 000 (benefits prorated for family members) – $2. 25/mo for single coverage of $150, 000 – $3. 75/mo for family coverage of $150, 000 30

TUHS Short Term Disability § Coverage is 60% of base weekly pay after the later of a 30 day elimination period or the exhaustion of other paid time – Maximum weekly benefit $1, 250 § If approved, payments made through the 90 day elimination period for LTD § Pre-existing condition clause. 3/12 – If you were treated in the past 3 months from the date of issue for a condition that condition will be excluded for the next 12 months 31

Long Term Disability § § 32 Eligible Class: – RESIDENTS, INTERNS AND FELLOWS WORKING AT LEAST 20 HOURS PER WEEK Eligibility Waiting Period: – None Monthly Benefit: – The Monthly Benefit will be an amount equal to $2, 000, less any other income. Elimination Period: – 90 days per Period of Disability § Maximum Benefit Duration by age at time of disability: – LESS THAN AGE 60 TO AGE 65 – 61 TO AGE 65 – 62 42 MONTHS – 63 36 MONTHS – 64 30 MONTHS – 65 24 MONTHS – 66 21 MONTHS – 67 18 MONTHS – 68 15 MONTHS – 69 AND OVER 12 MONTHS

Retirement Savings Tax Sheltered Annuity § All employees are eligible to participate § Save additional funds for retirement on a pre-tax or Roth tax basis § Employees under age 50 are eligible to contribute up to $18, 000 in 2016* § Employees age 50+ are eligible to contribute up to $24, 000 in 2016* § Enrollment materials in your folder * 33 This amount includes all pre-tax contributions with any employer to a 401 k or 403 b plan in 2016 as well as required employee contributions to the TUHS Pension Plan if eligible

Want to speak with the experts? § You can schedule a personal retirement counseling session with TIAA-CREF – 800 732 -8353 § Telephone customer service representatives available, evenings and weekends – Call 800 -842 -2776 or – On the web www. tiaa-cref. org 34

Next Steps § Draw a on the top of your application if immediate medical services are needed § Complete your enrollment application – Names, DOB and SS#’s for all dependents § Place competed application in the envelope provided with required copies of proof of relationship § Return envelope to Benefits Representatives at top of steps § If you do not have all required documentation or have not fully completed the Enrollment Form, bring it to HR or place it in the inter-office mail by June 16 th 35

Questions? § The Benefits Department can also be reached Monday through Friday from 8 am to 5 pm at 215 -707 -2500, option #2 § We are also available by e-mail: HR 4 U@tuhs. temple. edu § Please feel free to stay if you have individual benefits questions 36

Thank You For Your Attention 37