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HomeMy WebLinkAboutThe VEBA Plan i the VEBil, 100 p an e _ OR PAP.'F1CIP T] NG SL RV SIC E €.,()O.P AiTIl'.I. MEMBERS an open-access health plan Rising health care costs, Growing How this plan option works The VEBA 100 Plan from the Participating Minnesota demand for more involvement in Service Cooperatives and Blue Cross and Blue Shield of Minnesota is an open-access health plan designed to work health care. The need.for solutions with a personal health account.Members can see any health care provider of their choice for most covered services— is clear— which is why we've without referrals.For some services,the best benefits are available when members see providers in the Minnesota developed a high-deductible plan Provider network, a network for Participating Service Cooperative members.The network includes primary to pair with a personal health care clinics,specialists and hospitals. account. You're in control of costs; Network providers mean savings When members use network providers,they avoid your employees are in control of hidden costs.All have agreed to accept the"allowed amount"specified in their contracts as full payment their care. And it's from the for covered services. Participating Minnesota Service If a member sees a provider who doesn't have a contract with us,they're responsible for any deductible,the coinsurance Cooperatives and Blue Cross and amount applied to the allowed amount,plus the difference between the actual bill and the allowed amount. Blue Shield of Minnesota, a health Expect more with BluePrint for Health' at Work plan with more than 70 years of Members can take advantage of these important features: •24-hour nurse phone care•stop-smoking program •BluePrint for Health Online,easy-to-use health information experience.focusing on the healthy y at bluecrossmn.com.Ask your Blue Cross sales representative future of organizations like yours. or agent about other BluePrint for Health at Work options. at�.} or vQV ti the VEBA 100 plan for Participating Service Cooperative Members PLAN HIGHLIGHTS MIDI tIFS; ' 'A l ROVt ER NETWORK EXTENDED/OUP'-OF-NETWORK Annual deductible options $1,200/person—$2,400/family Employers choose one of four options. t. $1,850/person—$3,700/family One deductible applies to services from 0 $2,250/person—$4,500/family all providers.Deductible amounts may fl $2,600/person—$5,200/family increase annually to keep pace with inflation. Out-of-pocket maximum Out-of pocket maximum is equal to $3,500/person—$6,500/family annual deductible. Lifetime maximum $5 million for services from all providers Office visits • Illness or injury 100%after deductible 80%after deductible • Behavioral health care(mental health, 100%after deductible 80%after deductible chemical dependency,eating disorders and autism) • Chiropractic manipulation 100%after deductible 80%after deductible;no benefits for services from out-of-network providers • In-office surgery/allergy-related services 100%after deductible 80%after deductible Preventive care • Well-child services and immunizations 100% 80%after deductible • Prenatal care 100% 80%after deductible • Cancer screenings 100% 100% • Routine physicals and eye exams 100%to$350 maximum per person 100%to$350 maximum per person per per year.Any excess eligible expenses year.Any excess eligible expenses subject to deductible. subject to deductible and 80%coinsurance. Lab and X-ray services 100%after deductible 80%after deductible In-and outpatient hospital services • Facility services(includes behavioral 100%after deductible 80%after deductible health care) • Professional services(includes behavioral 100%after deductible 80%after deductible health care) Emergency care • Facility services 100%after deductible 100%after deductible • Professional services 100%after deductible 80%after deductible Ambulance services 100%after deductible 100%after deductible Medical supplies 100%after deductible 80%after deductible for services from out-of-network providers Therapy services • Chiropractic,occupational and 100%after deductible 80%after deductible;no benefits for physical therapy services from out-of-network providers • Speech therapy 100%after deductible 80%after deductible Prescription drugs • 31-day supply;3-cycle supply for 100%after deductible 100%after deductible;you pay the pharmacy oral contraceptives;formulary drugs only and file a claim. In addition to deductibles, • Mail-order drugs(90-day supply) 100%after deductible members will be responsible for amounts in excess of the allowed amounts Note:There are three drug plans available: Plan A:Drugs subject to deductible and coinsurance Plan B:Greater of a$14 copay or 25%coinsurance up to a$750 person/$1,000 family out-of-pocket Plan C:25%coinsurance up to a$750 person/$1,000 family out-of-pocket Please discuss these drug plans with your representative Administered by: This is only an outline of plan benefits.The Summary Plan Description includes complete details of what is and isn't covered.Services not covered include s eyeglasses,hearing aids,services that are cosmetic,experimental,not medically necessary,or covered by workers'compensation or no-fault auto insurance. Preexisting conditions may not be covered for a limited period of time.This limit is reduced by prior continuous coverage and doesn't apply to pregnancy, newborns,adopted children or handicapped dependents.We feature a large network of health care providers.Each provider is an independent contractor BlueCross BlueShield and is not our agent.Blue Cross and Blue Shield of Minnesota is an independent licensee of the Blue Cross and Blue Shield Association. of Minnesota This benefit chart reflects 2006 benefits. F7445R05(10/05) (Plan numbers a 830,b 831,c 832,d 833) O 0 O co v cfl m• # 6 6 O 0 0 O M 0 10 • CO CV # M CO CO b4 ER O • N 0� 4. NM W CO # CO CO 69 64 CO 0 0 0 10 M C▪O • W dJ # M CD E09 64` m O N- O 0 0 0 M cNi • co to 0> d! # M CD ER ER W 0' o M O to CO 04 cNi cc; NO cr # NJ ERJ.ER. O O o' 1n N 0 0 NN 00 00 N e W o 0 LO 0 0 0> N :0. 'r O N N 6+ ER fR. W O r 0 0 0.. 0 co N 0::LCJ.o co N 4fe co co ER H3: CO W 0 W 0 d 0 10 N • 7 * V fR fl O 3 n U V m o (." U- U h- Q J -J 0 0''r C m 0 0; N G W'W T __J_J:. a 1- CO 03 O0rr 0;'0 • m O • R • z N o .0 0 � ,L^ a 5 5 r 1 Your health. Your money. You're in charge. Y 9 d1 Y Cd fr ?d0 Hrtb v. P -. �� F � The VEBA Plan ....,00„6. ., ..,.,,.,.. U ?pqA JPnA¢4p�' �doa, . f . .._..,„_... . . . . . ..• ,, , .„ ...,,,.,•, ........,,,, „,...t..,, . II -.... .:,4„' ... ......„.„..........,„.,6 I f,F.,,, 101 vov © . s�r,r 1 < r 0 E r You make decisions about your health and health care every day. Sometimes, they're simple: You buckle your seatbelt. You take medication only as directed. You limit caffeine. You try to get eight hours of sleep. But more often, health care decisions are complex or confusing: What kind Your health plan is of specialist should I see? What's the smartest way to treat my high blood administered by Blue Cross pressure? Is there a generic drug available instead of the higher-priced brand and Blue Shield of name? How do I know which hospital is best for me? How can I budget for medical expenses? Minnesota, a company It's time you had a little help with big decisions. with more than 70 years experience serving Enter the VEBA Plan people throughout It's not just a health plan. It's an entirely new way of thinking about health care, brought to you by the Participating Minnesota Service Cooperatives, your Minnesota. Peace of mind employer, and Blue Cross and Blue Shield of Minnesota. The VEBA Plan is is part of the plan. affordable and simple, and it will give you the satisfaction you're looking for by putting health care information in the right hands: yours. It's a unique combination. The VEBA Plan offers you: • A solid, reliable health plan with broad coverage I I • A tax-exempt VEBA account funded by your employer to help you pay for your health care expenses or save for the future • Online information resources and easy-to-use decision tools i • Programs to help improve your health 1 � ." ■ M, td M • tin The Participating Minnesota i Service Cooperatives and Blue Cross are your partners in health. Together, they e' help organizations like yours meet their benefit needs through innovative, flexible plan design, member health So, what's a VEBA anyway? improvement programs, The VEBA Plan is your health plan. In fact, it was designed by Blue Cross and the Participating Minnesota Service Cooperatives specifically for member competitive pricing and organizations—organizations like yours. dedicated customer service The VEBA Plan is short for the Voluntary Employee's Beneficiary Association and support. Plan. This innovative approach to health care helps manage rising costs while giving you the coverage you want and need, along with financial assistance in the form of the VEBA account, and the resources you need to manage your I, money and your health. Why the new approach? It makes sense, and it's about time. You've always been in charge of your buying decisions—everything from cereal to services—and that's perfectly reasonable. � 4 $K It's your money, so of course you spend it with care. But for many reasons, most people don't think of health care services as purchases. Typically, you might choose a health plan based on coverage and 2 premium, but that's where your decision usually ends. The most important person —you, the purchaser— is often left out of the loop when it comes to costs, quality, research and more. The VEBA Plan puts information about your health, the services you receive and their cost back where it belongs: with you. Here's how: Your employer contributes money to a VEBA account to help with your health care expenses. As you use services, claims are paid automatically out of your account, if you're enrolled in crossover. If you choose not to use your account for health care expenses, the money continues to earn interest and can be used to pay for eligible health care expenses now or in retirement. In the meantime, you have Coinsurance is the portion access to the resources you need to make decisions, keep track of your care of health care expenses— and costs, and weigh important alternatives. usually a percentage The health plan: Excellent, broad coverage that you pay after you've Like many health plans, the VEBA Plan covers a broad range of services after met your deductible. Not a deductible: doctor visits, hospital care, surgery, tests and much more. all health plans have Once your deductible is paid, the health plan pays a percent of the eligible charges for your care. You pay any coinsurance. You also pay any charges coinsurance. Check your over the plan's allowed amount if you see an out-of-network doctor or other benefit summary to see if provider. With some plans, coinsurance amounts may be higher for out-of- network care, so check your benefit summary to make sure you know what you're paying. this applies to you. There are some distinct advantages that make the VEBA Plan appealing: �' 9 pp 9� is '." • Doctors and specialists you choose, no referrals needed • You and your family are covered wherever you go—worldwide , • Caring, knowledgeable customer service representatives dedicated to your needs • The security of an experienced, respected plan administrator • Coverage for preventive care services so you can get the care you need to stay healthy throughout the year and for years to come The health plan portion of the VEBA Plan also includes some "extras" at no cost to you, like BluePrint for Health®Online, a rich resource for health and wellness information, and a stop-smoking program that helps smokers quit in their own way and at their own pace. Meeting your deductible For individuals with a Blue Cross health plan While there are funds in your VEBA account You visit the doctor Network doctor files your claim You're responsible for paying the doctor 4 If you have crossover, your VEBA account reimburses you for your expense, either by check or direct deposit to your own bank account The VEBA account: Money from your employer Your VEBA account With the VEBA Plan, you have a unique opportunity to manage your care and balance is reduced by Y q pP Y 9 Y the amount paid to you your money, in partnership with your employer. If you've spent your VEBA account funds Your employer contributes tax-free dollars to a VEBA account for you. Employees are not allowed to make contributions to their VEBA account. You pay no You visit the doctor taxes on the money; not now and not when you use it for eligible health care expenses. Throughout the year, you can save the money or use it Network to pay for eligible health care expenses as outlined in Section 213(d) of the IRS doctor files code (a complete list can be found in the back of this brochure). Once a claim your claim is submitted, you'll be reimbursed promptly, by check or by direct deposit into your personal checking or savings account—the choice is yours. You pay the doctor While there are funds in your VEBA account, these dollars can be used to pay claims for eligible medical expenses. Any unused VEBA account dollars are The claim counts toward rolled over and added to the next year's starting amount until you retire. That your remaining deductible and out-of-pocket maximum money accrues interest and is yours to use for eligible health care expenses 4 now or in retirement. If your employer also offers a Flexible Spending Account (FSA), claims will be paid out of your FSA first, then any remaining amount owed will be sent to your VEBA account for payment if you have crossover. However, make sure you understand how crossover works before deciding if it's the right choice for you. To learn more, read "The VEBA Plan. Understanding crossover" brochure. Paying claims ... it's fast and convenient Your VEBA account can help pay for part of your deductible, you pay the rest out-of-pocket. When the whole deductible has been paid, your health plan It's important to think begins to pay the benefit amount. You pay any coinsurance until you reach about the entire cost of a your out-of-pocket maximum. If you see a doctor outside the network, you pay doctor visit or prescription any amount over the allowed amount in addition to coinsurance. drug when you're planning With the VEBA Plan, pharmacy purchases are simple. Just visit one of nearly 55,000 participating pharmacies nationwide and show your Blue Cross and and budgeting. Blue Shield member ID card. If you are an active employee with the VEBA Plan, the pharmacist will look up your health plan and VEBA account information. The prescription cost will be deducted from your account automatically as long as , funds are available and you elect crossover. If there are no funds, you pay for prescriptions until your deductible has been met. The health plan pays once your deductible has been met. In some instances, a coinsurance may apply. You'll have time to plan for future expenses while the money in your account covers a portion of your current expenses. Build your nest egg If you're looking for ways to protect your assets and your future health care . needs, you can consider using your VEBA account as a long-term savings 6 • vehicle. To do so, complete the VEBA Account Access Form found online at www.miilife.com to "block" your VEBA account so it's not used to pay claims. Your VEBA account earns interest at a current money market rate. Plus, you have the added benefit of an investment opportunity when the money in your VEBA account reaches $1,000. Anything above $1,000 can be invested in a variety of mutual funds through our investment partner. You'll experience 5 gains or losses on this money based on the performance of those mutual funds. 1 Your take-charge online tools Here's the real strength of the VEBA Plan: innovative online resources and tools, yours when you enroll. There's nothing else quite like them to help you take charge of your health and your health care dollars. • Your spouse has diabetes. Questions keep popping into your mind. Where can you learn more about managing the condition? • You think there's a generic drug substitute for the brand-name drug your doctor prescribed. Maybe you can save some money. Where can you find out? Many people are used to • You're scheduled for surgery. The surgeon works at two hospitals. paying only a copay, and Which one is better for you? have never received a bill With online decision tools from the VEBA Plan, you can get answers to all of these questions, without ever leaving home. Simply visit showing the full cost of a www.bluecrossmn.com/mnservcoop. doctor visit or prescription drug. In fact, the nation- At your fingertips The online member service center helps you choose where and how your wide average cost of an health care dollars are spent. You can compare generic drug prices to brand- office visit is $130. name prices. Investigate a hospital's quality, safety and customer satisfaction ratings. Find regional cost information for dozens of common conditions and procedures. The information puts you "in the know" about facts and figures that are usually invisible to health plan members. Visit wwwbluecrossmn.com/mnservcoop to: • Review your claims history • Find a doctor • Use a mail-order prescription service • Learn more about your health plan and programs • Order a replacement ID card • E-mail customer service with questions about your claims Visit www.miilife.com to: • Check your account balances • Get forms 6 • E-mail customer service about your accounts ,.M L f , a Y , p xa};; , " � ,,a, „ The allowed amount ,e4f'' is the dollar amount Blue Cross negotiates to pay providers for a covered 1 1 service. Network providers i ''.:, t °' accept the allowed amount III — which is less than what you would normally pay— ■ ` as full payment. a ' t, 1 Mfr; ■ Personalized health information VEBA Plan members can click on BluePrint for Health® Online for trustworthy `' s information anytime, day or night. You can sign up for a personalized newsletter ," ` tailored to your preferences. Look for answers in one of the most comprehensive / Y - medical libraries on the Internet. Wellness tools, like target heart rate finders and body mass calculators, give you information you can use to live a healthier life. Plus, there are self-care centers you can visit for extra support if you have a chronic condition. The VEBA Plan: Much more than a health plan Starting today, think of your health care as a very important purchase, not an invisible, unpredictable expense. From the excellent health plan to the i employer-funded account to the online member service center, the VEBA Plan can give you the coverage you need and the control you want. 7 F Which eligible medical expenses can be paid for with VEBA funds? Eligible medical expenses are defined as those expenses paid for care as described in Section 213(d) of the Internal Revenue Code. Below are lists of eligible and non-eligible medical expenses that may help determine whether an expense is eligible for VEBA reimbursement. 1 ELIGIBLE MEDICAL EXPENSES NON-ELIGIBLE MEDICAL EXPENSES Abdominal supports Elastic hosiery(prescription) Over-the-counter drugs Advance payment for services to 1 Abortion Eyeglasses (except for the purchase of be received next year Acupuncture Fees paid to health institute vitamins and supplements) Athletic club membership Air conditioner prescribed by a doctor Oxygen and oxygen Automobile insurance premium 1 (when necessary for relief FICA and FUTA tax paid for equipment allocable to medical coverage from an allergy or for relief medical care service Pediatrician Boarding school fees from difficulty in breathing) Fluoridation unit Physician Bottled water Alcoholism treatment Guide dog Physiotherapist g Cosmetic surgery and procedures Ambulance Gum treatment Podiatrist Cosmetics, hygiene products Anesthetist Gynecologist Postnatal treatments and similar items r Arch supports Healing services Practical nurse for medical Diaper service Artificial limbs services Hearing aids and batteries Domestic help Autoette(when used for Prenatal care Hospital bills Funeral, cremation or burial expenses relief of sickness/disability) Prescription medicines Hydrotherapy Health programs offered by resort Birth control pills Psychiatrist Insulin treatments hotels, health clubs, and gyms Blood tests Psychoanalyst Insurance premiums Illegal operations and treatments 1 Blood transfusions Psychologist cholo g ist Lab tests Illegally procured drugs Braces Psychotherapy Lasik eye surgery Maternity clothes 1 Cardiographs Radium therapy Lead paint removal Premiums for life insurance, income Chiropractor Legal fees Registered nurse protection, disability, loss of limbs, Christian Science Lodging (away from home Special school costs for sight or similar benefits practitioner the handicapped for outpatient care) Scientology counseling Contact lenses Spinal fluid test Metabolism tests Social activities Contraceptive devices Neurologist Splints Special food or beverages Convalescent home(for Sterilization Nursing (including board and Specially designed car for the medical treatment only) Surgeon meals) g handicapped other than an autoette Crutches Obstetrician Telephone or TV equipment ' or special equipment Dental treatment Operating room costs to assist the hard-of-hearing Stop-smoking programs Dental x-rays Ophthalmologist Therapy equipment Supplements Dentures Transportation expenses Optician Swimming pool Dermatologist (relative to health care) Optometrist Travel for general health improvement Diagnostic fees Ultraviolet ray treatment Oral surgery Tuition and travel expenses for a child Diathermy Vaccines y Organ transplant(including with special needs at a particular school I Drug addiction therapy donor's expenses) Vasectomy Vitamins Drugs(prescription) Orthopedic shoes Wheelchair Weight loss programs Orthopedist X-rays Osteopath These lists are intended to serve as a quick reference and are provided with the understanding that Blue Cross is not engaged in rendering tax advice. For more detailed information, please refer to IRS Publication 502, "Medical and Dental Expenses," Catalog Number 15002Q. Publications can be ordered from the IRS by calling 1-800-TAX-FORM(1-800-829-3676). If tax advice is required,seek the services of a competent professional. 1 11 It's your health. It's your money. Take control of both with the VEBA Plan. 8 Questions? We can help. Participating Minnesota Service Cooperatives Service Cooperative Phone Northwest Service Cooperative (218) 681-8007 Lakes Country Service Cooperative (218) 739-3273 Resource Training & Solutions (320) 255-3236 Northeast Service Cooperative (218) 748-7607 Southeast Service Cooperative (507) 281-6691 South Central Service Cooperative (952) 873-2691 Appletree Institute (507) 537-7008 'ar icipa ing T inneso a ervice oopera Ives ' ;' sand Blue Cross and Blue Shield of Minnesota 4, ,,,,,„;9•;,1 ',,,,' =• ,,a, a oz 11.4 .",,, :171:":Tti r'-'''' '''''''''''l e'''''''::'7';''::'''''''':*:7'''';1.7''''''''.:,:...:i::4. The VEBA Plan Affordability, simplicity and satisfaction — for you, for your employees c;E dPl� •Slow down health care cost increases •Streamline your benefits to save time •Help your employees plan for medical expenses now and in retirement Your organization struggles to manage health care costs for your employees. ' You want to offer good coverage,but it's getting more difficult every year. You need to recruit and retain the best employees,but you've got to watch your bottom line.What if you could help employees understand and — better yet — be more responsible for their health care spending?You're not alone. Employers everywhere want to gain control of their costs while ' employees wish for more flexibility and control. ~� t/ G /` Through the Participating Minnesota Service Cooperatives and Blue Cross and Blue Shield of Minnesota, we've always offered a range of options. G/ cr-ut We listen to your needs and work to develop products that meet them. That's why we've developed the VEBA (voluntary employees'beneficiary il association) Plan. It gives you a way to reduce your health care costs while allowing employees more control and choice in their health care usage. Simply put, we've created a health plan that works alongside a tax-exempt VEBA personal health account.The health plan features a higher deductible, so premiums can be significantly lower than traditional plan coverage. The interest-earning account is employer-funded and can be used to pay for qualified medical expenses until the deductible has been satisfied.Since the funds in the account are not taxed,your health care dollar goes farther. IN ,:r.... °°° A fresh solution For your organization The difference is in the details ABC,an employer,wants to change its low deductible health plan to A health plan with the features employees want: the new plan. Because it's a high- deductible plan,ABC's premiums Access and choice will be substantially lower. Since The Minnesota Provider network offered through the Participating Minnesota Service Cooperatives and Blue Cross includes nearly every health care provider its overall health care costs have in the state so chances are your employees can keep their current physician. decreased by switching to the new With the VEBA Plan, they're free to see the physicians and specialists they plan, the organization decides to choose,without referrals.And with the BlueCard®program,wherever members offer its employees VEBA personal live or travel,they can see any provider that contracts with local Blue Cross and health accounts and contributes to Blue Shield plans. them. Contributions made by the Better health and peace of mind company are excluded from the For nearly 70 years, Blue Cross has meant quality,trust and peace of mind employees' incomes. to people across the state. Our exclusive BluePrint for Health® at Work programs help your employees take better care of themselves.These inno- F o r your employees vative programs,and our Web site packed with health information,can help Jan, an employee of ABC,twists employees improve their health while lowering overall health care costs. her ankle one Sunday evening.After Visit bluecrossmn.com/blueprint. calling the nurse phone care line, she decides that the situation does VEBA accounts really add up: not warrant the cost of an emer- Tax free and interest-earning gency room visit. Instead, she waits It's simple, really.As an employer,you contribute to a tax-free personal health until Monday morning,when she account.What's more,the account funds may be invested by the employee in can see her family doctor at signif a range of mutual funds.And, since employees know they're building funds icantly less cost. The visit is $60. for the future,they are encouraged to make wise health care decisions. Jan requests a reimbursment distri- Employees use the money as needed for medical expenses or bution of$60 from her account. watch it grow Because it's a qualifying medical Employees withdraw money as needed to pay for qualified expenses, even expense, she receives the money ones not covered by their health plan,like laser eye surgery or complementary care.Any money left in the account at year-end can be rolled over to cover tax- and penalty-free.Also, the future expenses. amount will be applied to Jan's family's deductible for the year. Designed for sim licit simplicity Your account is administered by experts The Participating Minnesota Service Cooperatives and Blue Cross have chosen to work closely with MII Life Inc.,a seasoned account administrator,to help manage the personal health accounts. In fact, the relationship between the health plan and the account is practically seamless,so the VEBA Plan is easy for you,easy for your employees.The administrator offers: Service you can depend on •Account management skill and experience gained from administering a range of flexible spending accounts for employers of all sizes •Dedicated staff to assist agents, employers and members •Medical expense screening for tax code qualification Convenience you need •Systems and capabilities compatible with the health plan for customer convenience •Paperless claims — automatic claims processing— members save time and hassle •Automatic, electronic disbursements for prescriptions •Internet access to account information and forms •Quick turnaround on distribution requests •Electronic deposit of distributions into checking or savings accounts Value you can appreciate •Contribution tracking •No minimum contribution requirements •Quarterly statements • Interest credited on entire account balance Easy to use The health plan and a personal health account are as simple to use as any other health plan product.When members visit a pharmacy,for example,they just present a card and funds are automatically withdrawn and paid directly to the pharmacy,thanks to electronic transfer of funds. Members are free to visit the physicians of their choice.With our crossover feature, claims are automatically submitted and reimbursed. A solution in touch with changing times As you can see, with the VEBA Plan for public employees you could con- siderably reduce your organization's health care costs, and increase your employees'satisfaction. Please discuss your situation with your service cooperative representative, agent or Blue Cross sales representative to determine how the VEBA Plan could improve your employees'health and lower your organization's health care cost. Participating Minnesota Service Cooperatives Service Cooperative&Contact Phone E-mail Northwest Service Cooperative Jerry Nesland (218) 681-8007 jnesland @nw-service,kl2.mn.us Kristi Lane klane @nw-service.kl2.mn.us Lakes Country Service Cooperative Jill Bartlett (218) 739-3273 bartlett @Icsc.org DuWayne Balken dbalken @Icsc.org Resource Training & Solutions Rob Cavanna (320) 255-3236 rcavanna@resourcetraining.com Northeast Service Cooperative Mike Grahek (218) 748-7607 mgrahek @nesc.k12.mn.us Southeast Service Cooperative Janie Granger (507) 421-1070 jgranger @ssc.coop South Central Service Cooperative Wanda Nielsen (952) 873-2691 wkn@frontiernet.net Appletree Institute Jeff Kruse 888-635-3276 atree@appletreoins.org A VEBA is a"Voluntary Employees'Beneficiary Association"under Section 501(c)(9)of the Internal Revenue Code.It's a tax-exempt trust for funding health and welfare benefits.Among the benefits Participating that may be provided through aVEBA are medical Minnesota expense reimbursement arrangements for active Service employees or retirees.When an employee retires, Cooperatives money left in the account is transferred to the post-retirement health care savings plan and may asa BlueCross BlueShield continue to be used for medical expenses.This ©69 a of Minnesota brochure discusses the VEBA health plan and account for active employees- Ti/72 11e102, CITY OF OAK PARK HEIGHTS C1157 January 1 , 2006 Renewal 9/20/2005 4:14 PM South Central Region of the City,County, and Other Governmental Agency Service Cooperative January 1, 2006 Renewal TABLE OF CONTENTS 1) Renewal Rates 2) Projected Renewal Year Claims and Renewal Development Summaries 3) Combined Experience Reports for Periods 1, 2, and 3 4) High Case Report 5) Component Summary Report 6) Utilization Graph 7) Population Distribution Graph 8) Age Distribution Graph 9) Claims Distribution Report 10) Miscellaneous January 1, 2006 Renewal Rates for CITY OF OAK PARK HEIGHTS CI157 Renewal Rates enewal Rates Y Single Family Increase Single Family o 8.0!a DOUBLE GOLD $454.50 $1,250.00 $491.00 $1,350.00 9/20/2005 4:14 PM 1 IC) O -a O O T (N d r- O �- N- t� N o CO C9 O CO 63 CO ° CD In N ° N N- O CO IC) N ti ti CO Ni 0) 69 CO N O CO N O 0) N ER 69 ER `- (f? 69- U EA- ( • Lo o a) O -cE cE it N N w• C) = O 0 O O O co 6O M O M o T- N o N V ) Cr) et O r Ee, O r CO C9 `- O r .,- Q) r h. 1.6 CNI Cf} O O (N N U Eq 67 ER EA O O Q N X .- N w o ECn o O .as O M 0 U c7 __ °_ -� M N o ti O M ° O L. 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IC) O O N M N Q) rico BlueCross BlueShield W BluePlus of Minnesota 2006 Group Renewal Bulletin Small Group Service Cooperative Blue Cross Effective with January 2006 renewals, Small Group Service Cooperative groups will be required to select a standard Small Group product offered by Blue Cross or a Common Benefit plan as designated by your regional Service Cooperative. Upon each renewal thereafter, you will be required to change your benefits as designated by Blue Cross, Service Cooperative and/or State and Federal legislation. Please contact your agent or sales representative if you have any questions regarding these changes. Thank you for renewing your Plan. We appreciate your business. Legislative Changes and Annual Reminders Annual Notification to Employees and Dependents who are Minnesota Comprehensive Health Association (MCHA)Enrollees—Minnesota law requires employers to notify their employees who are covered by MCHA of their right to enroll in the group plan on the renewal date.The employee can choose to join the group plan or stay with MCHA.Please notify your employees and dependents with MCHA coverage about this option. If they want to apply,ask them to complete a health history application and mail the completed application Blue Cross immediately.Blue Cross will review the application and reserves the right to adjust your group rates. The applicant's coverage will be effective on your renewal date. Benefit Changes These changes represent our commitment to remaining competitive in both cost and plan design. Change to Comprehensive Major Medical Deductible Plans(Plans 122 and 123)-The office visit copay will be increased from$25 to$30 on the$1,000 and$2,000 deductible plans. Change to Aware Gold with Copay(Plan 4)-The in-network out-of-pocket maximum will be reduced from$2,500 to$1,500. Increased Emergency Room copay(Plans 1,4, 113, 114, 118, 120, 122 and 123)—The ER copay will increase from$60 to$75. Deductible and Out-of-Pocket Increases on the High Deductible Health Plans compatible with HSAs (Plans 170, 172, 174, 176, 178 and 180)—An attractive feature of the HSA product is that the range for deductibles and out-of-pockets increases annually based on the Consumer Price Index(CPI)to keep pace with inflation.The Department of Labor generally issues the new ranges in December of the prior year. Please talk to your agent or sales representative for more information. Pharmacy Network Change(Applies to all Blue Cross plans)—Your plan is currently using the National Drug Network available through Prime Therapeutics, Inc. The National Drug Network is being replaced with the Select Drug Network effective with your 2006 renewal. The two networks are very similar as both offer broad nationwide access.The Select Drug Network provides additional cost savings through negotiated network discounts. Prescription Drug Benefit Change(Plans 4, 113, 114, 118, 120, 122 and 123)—We are changing the prescription drug benefit to a three-tier benefit design, $5 Generic Copay/$30 Formulary Brand Copay/$45 NonFormulary Brand Copay with mandatory generic. Page 1 of2 FINAL 8/18/05 2006 Blue Cross Small Group Service Cooperative Over-the-Counter Drug Coverage(A pp lies to all Blue Cross plans except Aware Gold Plan 1 and the High Deductible Health Plans compatible with HSAs Plans 170, 172, 174, 176, 178 and 180)—Effective with your 2006 renewal,we are adding over-the-counter(OTC)drug coverage for drugs in a limited number of classes.The key features of this benefit include: • A physician's prescription required • $0 copay for covered OTC's • Up to a 31-day supply limit, subject to package size limitations r Jv The focus of this benefit will be on the Proton Pump I ibitor and Antihistamine drug classes. Covered OTC alternatives will serve as replacements for some prescription drugs in these classes that will no longer be covered. Specialty Drug Benefits(Applies to all Blue Cross plans except Aware Gold Plan 1)—Specialty drugs are used to treat complex or rare conditions including multiple sclerosis,rheumatoid arthritis,hepatitis C and hemophilia,just to name a few.These drugs,which are often derived from complex mixtures and have storage restrictions,are associated with much higher costs,ranging from$1,000 -$10,000 per patient per month.In an effort to manage this unique category of drugs,Blue Cross is implementing a Specialty Drug Benefit consisting of a new Specialty Pharmacy Network and a list of covered specialty drugs.The new Specialty Drug Benefits will be effective upon renewal in 2006. Lifetime Maximum (Applies to all Blue Cross plans except the Mandated Plans 23 and 24)—The lifetime maximum is increasing to$5 million for services from all providers. Page 2 of 2 FINAL 8/18/05 2006 Blue Cross Small Group Service Cooperative