ANNUAL ENROLLMENT MESSAGE - myjcbenefits.com

1 ANNUAL ENROLLMENT MESSAGE Rising healthcare costs have meant that, unlike last year, our Health Insurance Rates have increased for 2018 . Nonetheless, we have worked hard to negotiate the best rates we can for you and your family. As we have done for many years, Johnston County will continue to pay 100% of the Employee Only rate for the Core plan . HHEEAALLTTHH PPLLAANNSS Aetna will continue as our medical plan administrator. You will continue to have the option to choose between the Core plan and the Plus plan . A brief overview of the major benefits of both plans, which include benefit changes from the previous plan year, follows: Core The Core plan will offer a $1,250 ANNUAL deductible which is increased from FY 17-18 and a 20% coinsurance. The primary care office visit co-payment will increase to $25 while the specialist co-payment will remain $40. The emergency room co-payment is $250 and the Urgent Care co-payment is $50.

2 Prescription drug co-payments are $10 / $30 / $50 / $150 for specialty drugs. The vision hardware allowance for the Core plan is $75. The coinsurance maximum has been eliminated and the total out of pocket maximum will increase to $7,350 in accordance with the Affordable Care Act. Plus The Plus plan will offer a $850 ANNUAL deductible which is increased from FY 17-18 and a 15% coinsurance. The primary care office visit co-payment will increase to $20 while the specialist co-payment will remain $35. The emergency room co-payment is $200 and the Urgent Care co-payment is $40. Prescription drug co-payments are $10 / $25 / $40 / $150 for specialty drugs. The vision hardware allowance for the Plus plan is $125. The coinsurance maximum has been eliminated and the total out of pocket maximum is $6,600. High Tech Diagnostic Services (examples include but are not limited to: MRI, CAT / PET Scans, MRA, Echo, Nuclear Medicine) will continue to be applied to deductible and coinsurance without regard to place of service for the Core and Plus plans.

3 Express Scripts will continue to serve as our pharmacy benefit manager (PBM). Effective 7/1/ 2018 , Express Scripts will be implementing the Walgreen s Smart 90 Program. This program allows members to receive a 90 day supply of maintenance medications at a times copay when purchasing at a Walgreen s Pharmacy. Those opting to purchase their 90 day maintenance medications at other retail pharmacies will be limited to a 30 day supply at the regular monthly copay amount. Additionally, Johnston County will be participating in Express Scripts Advanced Utilization Management program. This program will introduce enhanced step therapy, prior authorization and drug quantity limits for new prescriptions written on or after 7/1/ 2018 . Aetna Behavioral Health will continue to serve as the Mental Health and Substance Abuse benefit coordinator. Johnston County will continue to provide Teladoc as a free benefit at no cost to you.

4 Teladoc is a convenient alternative to urgent care or ER visits. board-certified physicians licensed in North Carolina are available anytime, anywhere and can resolve many non-emergency medical issues via phone, skype, facetime or webcam. When medically necessary, these physicians can prescribe medications for a wide range of conditions. You and your household dependents have access to Teladoc regardless of your Medical plan ENROLLMENT . To learn more, please view the Teladoc video on the benefit portal at or feel free to download the Teladoc app to your Apple or Android device (phone, tablet, etc.). Health Payroll Deductions per Pay Period. Increased premiums will be deducted from your June 2018 payroll check for July 1st coverage. Health Plans Core plan Plus plan Employee Only $ $ Employee & Spouse $ $ Employee & 1 Child $ $ Employee & 2+ Children $ $ Employee & Family $ $ Premiums prorated for part-time, permanent employees contact HR for rates.

5 VVOOLLUUNNTTAARRYY DDEENNTTAALL PPLLAANNSS MetLife will continue as the dental insurance carrier. MetLife will offer both High plan and Low plan UCR options where dental services are based upon payments made in accordance with usual, customary and reasonable charges (UCR). Both plans offer the opportunity to visit any dental provider of choice; however, you could save money by seeing a participating dentist. A brief overview of the major benefits of each plan follows: The High plan offers a $50 ANNUAL deductible with a $1,250 ANNUAL benefit maximum. Preventive services will be paid at 100% of UCR, Basic services will be paid at 80% of UCR after deductible and Major services will be paid at 50% of UCR after deductible. Orthodontia will be paid for dependent children only at 50% of UCR with a $1,000 lifetime benefit maximum. The Low plan offers a $50 ANNUAL deductible with a $750 ANNUAL benefit maximum.

6 Preventive services will be paid at 90% of UCR, Basic services will be paid at 60% of UCR after deductible and Major services will be paid at 30% of UCR after deductible. Orthodontia will be paid for dependent children only at 30% of UCR with a $1,000 lifetime benefit maximum. Employees/dependents not currently covered that wish to join the plan July 1st will be considered late entrants and will only have coverage for exams, cleaning and child fluoride for the first 12 months. Dental Payroll Deductions per Pay Period No increase in premiums. Premiums will be deducted from your June 2018 payroll check for coverage effective July 1st. Dental Plans Low plan High plan Employee Only $ $ Employee & Spouse $ $ Employee & 1 Child $ $ Employee & 2+ Children $ $ Employee & Family $ $ EEmmppllooyyeeee AAssssiissttaannccee PPrrooggrraamm ((EEAAPP)) Provided by BHS / Frank Horton Associates (FHA) If you need assistance with Work Stress, Family/Parenting Issues, Coping with Change, Anxiety or Depression, Anger Management, Alcohol/Drug Dependencies, Marital/Relationship Problems, Grief or Bereavement, please call BHS at (919)850-3410 or (800)326-3864 for confidential counseling services.

7 Effective July 1st, employees will be eligible for 6 free visits per problem episode. FFlleexxiibbllee SSppeennddiinngg AAccccoouunnttss ((FFSSAA)) FSAs are administered by Interactive Medical Systems (IMS) The Healthcare FSA enables you to pay for medical, dental, vision, and hearing expenses that are not paid by insurance and other out-of-pocket expenses with pre-tax dollars. Expenses may include office visit co-payments, deductibles, coinsurance, prescription co-payments, chiropractic care, vision expenses, and dental/orthodontia care. The Dependent Care FSA allows you to pay for qualified childcare centers, preschools, and before and after-school care on a pre-tax basis. Additionally, please be aware that even if you participated in the FSA over the past year, you must re-enroll for the new plan year that begins on July 1, 2018 . Healthcare FSA maximum ANNUAL contribution amount increasing to $2,650. Dependent Care FSA maximum ANNUAL contribution amount remains $5,000.

8 VVoolluunnttaarryy SShhoorrtt TTeerrmm DDiissaabbiilliittyy JJuullyy 11sstt,, 22001188 OOppeenn EEnnrroollllmmeenntt Provided by Unum As an active Johnston County employee working 30 hours or more per week, you are eligible to purchase voluntary short term disability insurance. The voluntary short term disability insurance provided by Unum covers up to 60% of your weekly salary with a maximum of $600 per week. The benefit, should you become disabled as a result of a non-work related illness or injury, will begin following a 30-day elimination period and will continue up to 52 weeks. Should you have elected the Voluntary Short Term Disability plan during your new hire ENROLLMENT process, then you can now receive up to a maximum of $600 in coverage per week, salary permitting. If you did not previously enroll in this benefit, now is your opportunity! This is a one-time Open ENROLLMENT offered by Unum. This allows you the opportunity to purchase Voluntary Short Term Disability coverage without having to answer any health questions (guarantee issue).

9 If you do not elect coverage at this year s Open ENROLLMENT and wish to apply at a later date, you will be required to answer health questions and Unum can either accept or decline coverage. Voluntary short term disability is available at an after-tax monthly cost of $ per $ of weekly benefit with a maximum premium of $ if your ANNUAL base salary exceeds $52,000. Regardless of whether you were previously enrolled or want to enroll in the benefit for the first time, your customized payroll deduction for the Voluntary Short Term Disability plan will be referenced in the online ENROLLMENT tool while electing your benefits. AAddddiittiioonnaall NNootteess Please be reminded of the following Patient Protection Affordable Care Act (PPACA) changes that became effective in previous plan years which will remain applicable for the upcoming plan year: Preventive services, which include but are not limited to, routine physicals, standard immunizations and well child visits provided by a participating provider covered at 100%, Unlimited maximum lifetime benefit, Dependent children may be covered under the medical and dental insurance plans up to the age of 26, Women s wellness services, including generic contraception, covered at 100%, Summaries of Benefits and Coverage are available for all medical plans and EAP, All co-payments, including prescription drug co-payments, will be counted as part of your Total Out of Pocket Maximum.

10 Your medical, dental and FSA payroll deductions will automatically be under the Section 125 (pre-tax) plan unless you specify otherwise in writing to the Human Resources Department. Under a Section 125 plan , you will save money in taxes because premiums are deducted from your gross pay before Federal, State or FICA taxes are calculated. Please the ANNUAL ENROLLMENT period is the one and only time during the year that you can add or remove dependents, and elect or cancel plans without a family or life status change, also known as a qualifying event . During the plan year, the IRS regulations allow changes to be made within 30 days of the qualifying event due to birth, death, marriage, divorce, change of employment or substantial change in insurance. WWhhaatt YYoouu NNeeeedd TToo DDoo 1. VISIT http://hansen/benefitsvideos/ to VIEW ONLINE VIDEO in its entirety and obtain more detailed information on benefit options or VIEW VIDEO at in conjunction with the online ENROLLMENT process or ATTEND INFORMATIONAL SESSION.