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Agreement A-21-217 with HUB International Services Inc..pdf
Agreement No . 21-217 AGREEMENT 1 2 3 THIS AGREEMENT is made and entered into this 22nd day of June , 2021 , by and between 4 the COUNTY OF FRESNO , a Political Subdivision of the State of California , hereinafter referred to as 5 "COUNTY", and Hub International Insurance Services, Inc., a California corpo ration, whose address is 6 4695 MacArthur Court , Suite 600 , Newport Beach , CA 92660 , hereinafter referred to as "CONTRACTOR". 7 WI T N E S S E T H: 8 WHEREAS, the COUNTY has a need for employee health care and benefit plan consulting 9 services to assist the COUNTY in ensuring legal and regulatory compliance and ident ifying and evaluating 1 0 all health care and benefit plan alternatives ; and 11 WHEREAS , the COUNTY desires to contract for employee health care and benefit plan consult ing 12 services as described in Request for Proposals number 21-033 ("RFP No . 21-033 "); and 13 WHEREAS, CONTRACTOR has demonstrated their ability to provide such consulting services in 14 their response to RFP No . 21-033 . 15 NOW, THEREFORE , in consideration of the mutual covenants , terms and conditions herein 16 contained , the parties hereto agree as follows: 17 1. OBLIGATIONS OF THE CONTRACTOR 18 CONTRACTOR shall provide the following consulting services , as described in COUNTY 's RFP 19 number 21-033 (including Addendum Number One (1 )), attached hereto as Exhibit A and incorporated 20 herein by reference, and CONTRACTOR'S Response to RFP number 21-033 , attached hereto as 21 Exhibit Band incorporated herein by reference : 22 A. Administrative services for health and ancillary/voluntary benefit plans, including 23 24 1) 2) Benefit Design Assistance Participant Communications , including annual Open Enrollment materials 25 and assistance with website design 26 3) Legal & Regulatory Compl iance Support ; 27 28 B. Vendor relations for health and ancillary/voluntary benefit plans , including 1) RFP/RFQ Development and Administration -1- -2- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 2) Contract Development 3) Vendor Management; C. Data analysis and reporting for health benefit plans, including reviewing health and other benefit rates for accuracy and providing actuarial, underwriting and fiscal support for health benefit plans; D. Assist COUNTY with moving to pre-payment and monthly eligibility for COUNTY’s health and other benefit plans; and E. Assist the COUNTY with procuring vendors related to the COUNTY’s annual Health and Benefits Fair 2. OBLIGATIONS OF THE COUNTY A. COUNTY will authorize its health and benefit plan vendors to provide CONTRACTOR with current health and benefits plan data and necessary information as required for CONTRACTOR to provide the services described in Section 1 – OBLIGATIONS OF THE CONTRACTOR, above. B. COUNTY will assist CONTRACTOR in preparing the scope of services and any other content, at COUNTY’s discretion, related to health and ancillary/voluntary benefits RFP or request for quotations (“RFQ”) processes. The COUNTY shall provide final approval of any RFP or RFQ before release to potential vendors. C. COUNTY will make CONTRACTOR broker of record on all assignable ancillary/voluntary benefits currently in place and will direct ancillary/voluntary commissions to CONTRACTOR. CONTRACTOR shall credit such commissions to COUNTY, pursuant to Section 5 – COMPENSATION/INVOICING, below. 3. TERM The term of this Agreement shall be for a period of three (3) years, commencing on July 12th, 2021, through and including July 11th, 2024. This Agreement may be extended for two (2) additional consecutive twelve (12) month periods upon written approval of both parties no later than ninety (90) days prior to the first day of the next twelve (12) month extension period. The Director of Human Resources or their designee is authorized to execute such written approval on behalf of COUNTY based on CONTRACTOR’S -3- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 satisfactory performance. 4. TERMINATION A. Non-Allocation of Funds: The terms of this Agreement, and the services to be provided hereunder, are contingent on the approval of funds by the appropriating government agency. Should sufficient funds not be allocated, the services provided may be modified, or this Agreement terminated, at any time by giving the CONTRACTOR thirty (30) days advance written notice. B. Breach of Contract: The COUNTY may immediately suspend or terminate this Agreement in whole or in part, where in the determination of the COUNTY there is: 1) An illegal or improper use of funds; 2) A failure to comply with any term of this Agreement; 3) A substantially incorrect or incomplete report submitted to the COUNTY; 4) Improperly performed service. In no event shall any payment by the COUNTY constitute a waiver by the COUNTY of any breach of this Agreement or any default which may then exist on the part of the CONTRACTOR. Neither shall such payment impair or prejudice any remedy available to the COUNTY with respect to the breach or default. The COUNTY shall have the right to demand of the CONTRACTOR the repayment to the COUNTY of any funds disbursed to the CONTRACTOR under this Agreement, which in the judgment of the COUNTY were not expended in accordance with the terms of this Agreement. The CONTRACTOR shall promptly refund any such funds upon demand. C. Without Cause: Under circumstances other than those set forth above, this Agreement may be terminated by COUNTY upon the giving of ninety (90) days advance written notice of an intention to terminate to CONTRACTOR. 5. COMPENSATION/INVOICING A. Annual Fees COUNTY agrees to pay CONTRACTOR and CONTRACTOR agrees to receive compensation for services rendered pursuant to this agreement as follows: 1) For the 12-month period beginning July 12, 2021: $125,000.00 2) For the 12-month period beginning July 12, 2022: $128,000.00 -4- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 3) For the 12-month period beginning July 12, 2023: $131,000.00 4) For the 12-month period beginning July 12, 2024 (if applicable): $134,000.00 5) For the 12-month period beginning July 12, 2025 (if applicable): $137,000.00. Annual Fees shall be paid on a quarterly basis. In no event shall services performed under this Agreement be in excess of $655,000.00 during the period July 12, 2021 through July 11, 2026. It is understood that all expenses incidental to CONTRACTOR'S performance of services under this Agreement shall be borne by CONTRACTOR. B. Performance Guarantees and Fees at Risk 1) Pursuant to Paragraph C of Section 1 - OBLIGATIONS OF THE CONTRACTOR, above, CONTRACTOR shall ensure that the final rates for the health and other benefit plans which are approved by the COUNTY Board of Supervisors are correct. CONTRACTOR shall refund 5% of its fees from any contract year in which it fails to ensure the accuracy of the final health and other benefit rates described in this paragraph, which results in such rates needing to be re-approved by the COUNTY Board of Supervisors. 2) Pursuant to Paragraph A.2 of Section 1 - OBLIGATIONS OF THE CONTRACTOR, above, CONTRACTOR shall provide the final version of electronic Open Enrollment communications to the COUNTY no later than September 15 of each calendar year (or the closest business day preceding September 15); provided, that CONTRACTOR has received all information/approvals from the COUNTY and outside vendors/carriers that would impact Open Enrollment materials by August 15th. Should CONTRACTOR be in receipt of all relevant information, approvals, and materials by the August 15th deadline and fail to produce Open Enrollment materials by September 15th of each year, CONTRACTOR shall refund 5% of its fees from any contract year in which it fails to meet the deadlines described in this paragraph. C. Commissions CONTRACTOR shall credit the COUNTY with commissions it receives from COUNTY’s health and benefit plan vendors on all assignable ancillary/voluntary benefits from all employer- and employee-paid benefits on a quarterly basis. -5- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 D. Invoices CONTRACTOR shall invoice COUNTY quarterly in advance for Annual Fees by the fifteenth day of the first month of the quarter for which Annual Fees are due. Beginning the second quarter of the Agreement, the quarterly invoice for Annual Fees shall detail any credit due to the COUNTY for commissions received by CONTRACTOR during the preceding quarter as well as refunds due to the COUNTY for performance deficiencies set forth in Section 3.B. above. All invoices shall be submitted to the County of Fresno Department of Human Resources at the address listed in the Notices section of this Agreement. Invoices which do not include such commission detail will not be paid by COUNTY. CONTRACTOR agrees that payment of said invoice will be made no sooner than forty-five (45) days from the date of receipt of invoice by the COUNTY. 6. HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT: The parties agree to comply with the terms of the Business Associate Agreement, attached hereto as Exhibit C and incorporated herein by this reference. 7. INDEPENDENT CONTRACTOR: In performance of the work, duties and obligations assumed by CONTRACTOR under this Agreement, it is mutually understood and agreed that CONTRACTOR, including any and all of the CONTRACTOR'S officers, agents, and employees will at all times be acting and performing as an independent contractor, and shall act in an independent capacity and not as an officer, agent, servant, employee, joint venturer, partner, or associate of the COUNTY. Furthermore, COUNTY shall have no right to control or supervise or direct the manner or method by which CONTRACTOR shall perform its work and function. However, COUNTY shall retain the right to administer this Agreement so as to verify that CONTRACTOR is performing its obligations in accordance with the terms and conditions thereof. CONTRACTOR and COUNTY shall comply with all applicable provisions of law and the rules and regulations, if any, of governmental authorities having jurisdiction over matters the subject thereof. Because of its status as an independent contractor, CONTRACTOR shall have absolutely no right to employment rights and benefits available to COUNTY employees. CONTRACTOR shall be solely liable and responsible for providing to, or on behalf of, its employees all legally-required employee benefits. In -6- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 addition, CONTRACTOR shall be solely responsible and save COUNTY harmless from all matters relating to payment of CONTRACTOR'S employees, including compliance with Social Security withholding and all other regulations governing such matters. It is acknowledged that during the term of this Agreement, CONTRACTOR may be providing services to others unrelated to the COUNTY or to this Agreement. 8. MODIFICATION: Any matters of this Agreement may be modified from time to time by the written consent of all the parties without, in any way, affecting the remainder. 9. NON-ASSIGNMENT: Neither party shall assign, transfer or sub-contract this Agreement nor their rights or duties under this Agreement without the prior written consent of the other party. 10. HOLD HARMLESS: CONTRACTOR agrees to indemnify, save, hold harmless, and at COUNTY'S request, defend the COUNTY, its officers, agents, and employees from any and all costs and expenses (including attorney’s fees and costs), damages, liabilities, claims, and losses occurring or resulting to COUNTY in connection with the performance, or failure to perform, by CONTRACTOR, its officers, agents, or employees under this Agreement, and from any and all costs and expenses (including attorney’s fees and costs), damages, liabilities, claims, and losses occurring or resulting to any person, firm, or corporation who may be injured or damaged by the performance, or failure to perform, of CONTRACTOR, its officers, agents, or employees under this Agreement, except to the extent COUNTY has caused or significantly contributed to the error or omission. 11. INSURANCE Without limiting the COUNTY's right to obtain indemnification from CONTRACTOR or any third parties, CONTRACTOR, at its sole expense, shall maintain in full force and effect, the following insurance policies or a program of self-insurance, including but not limited to, an insurance pooling arrangement or Joint Powers Agreement (JPA) throughout the term of the Agreement: A. Commercial General Liability Commercial General Liability Insurance with limits of not less than Two Million Dollars ($2,000,000.00) per occurrence and an annual aggregate of Four Million Dollars ($4,000,000.00). This policy shall be issued on a per occurrence basis. COUNTY may require specific coverages including completed operations, products liability, contractual liability, Explosion-Collapse-Underground, fire legal liability or any other liability insurance deemed necessary because of the nature of this contract. -7- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 B. Automobile Liability Comprehensive Automobile Liability Insurance with limits of not less than One Million Dollars ($1,000,000.00) per accident for bodily injury and for property damages. Coverage should include any auto used in connection with this Agreement. C. Professional Liability If CONTRACTOR employs licensed professional staff, (e.g., Ph.D., R.N., L.C.S.W., M.F.C.C.) in providing services, Professional Liability Insurance with limits of not less than One Million Dollars ($1,000,000.00) per occurrence, Three Million Dollars ($3,000,000.00) annual aggregate. D. Worker's Compensation A policy of Worker's Compensation insurance as may be required by the California Labor Code. Additional Requirements Relating to Insurance CONTRACTOR shall obtain endorsements to the Commercial General Liability insurance naming the County of Fresno, its officers, agents, and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned. Such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by COUNTY, its officers, agents and employees shall be excess only and not contributing with insurance provided under CONTRACTOR's policies herein. This insurance shall not be cancelled or changed without a minimum of thirty (30) days advance written notice given to COUNTY. CONTRACTOR hereby waives its right to recover from COUNTY, its officers, agents, and employees any amounts paid by the policy of worker’s compensation insurance required by this Agreement. CONTRACTOR is solely responsible to obtain any endorsement to such policy that may be necessary to accomplish such waiver of subrogation, but CONTRACTOR’s waiver of subrogation under this paragraph is effective whether or not CONTRACTOR obtains such an endorsement. Within Thirty (30) days from the date CONTRACTOR signs and executes this Agreement, CONTRACTOR shall provide certificates of insurance and endorsement as stated above for all of the foregoing policies, as required herein, to the County of Fresno, Hollis Magill, Director of Human Resources 2220 Tulare Street, 14th Floor, Fresno, CA 93721, stating that such insurance coverage have been -8- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 obtained and are in full force; that the County of Fresno, its officers, agents and employees will not be responsible for any premiums on the policies; that such Commercial General Liability insurance names the County of Fresno, its officers, agents and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned; that such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by COUNTY, its officers, agents and employees, shall be excess only and not contributing with insurance provided under CONTRACTOR's policies herein; and that this insurance shall not be cancelled or changed without a minimum of thirty (30) days advance, written notice given to COUNTY. In the event CONTRACTOR fails to keep in effect at all times insurance coverage as herein provided, the COUNTY may, in addition to other remedies it may have, suspend or terminate this Agreement upon the occurrence of such event. All policies shall be issued by admitted insurers licensed to do business in the State of California, and such insurance shall be purchased from companies possessing a current A.M. Best, Inc. rating of A FSC VII or better. 12. AUDITS AND INSPECTIONS: The CONTRACTOR shall at any time during business hours, and as often as the COUNTY may deem necessary, make available to the COUNTY for examination all of its records and data with respect to the matters covered by this Agreement. The CONTRACTOR shall, upon request by the COUNTY, permit the COUNTY to audit and inspect all of such records and data necessary to ensure CONTRACTOR'S compliance with the terms of this Agreement. If this Agreement exceeds ten thousand dollars ($10,000.00), CONTRACTOR shall be subject to the examination and audit of the Auditor General for a period of three (3) years after final payment under contract (Government Code Section 8546.7). 13. NOTICES: The persons and their addresses having authority to give and receive notices under this Agreement include the following: COUNTY CONTRACTOR COUNTY OF FRESNO HUB International Hollis Magill, Director of Human Resources Shannon Taylor, EVP & Pacific Region President 2220 Tulare Street, 14th Floor 9855 Scranton Rd Fresno, CA 93721 San Diego, CA 92121 All notices between the COUNTY and CONTRACTOR provided for or permitted under this -9- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Agreement must be in writing and delivered either by personal service, by first-class United States mail, by an overnight commercial courier service, or by telephonic facsimile transmission. A notice delivered by personal service is effective upon service to the recipient. A notice delivered by first-class United States mail is effective three COUNTY business days after deposit in the United States mail, postage prepaid, addressed to the recipient. A notice delivered by an overnight commercial courier service is effective one COUNTY business day after deposit with the overnight commercial courier service, delivery fees prepaid, with delivery instructions given for next day delivery, addressed to the recipient. A notice delivered by telephonic facsimile is effective when transmission to the recipient is completed (but, if such transmission is completed outside of COUNTY business hours, then such delivery shall be deemed to be effective at the next beginning of a COUNTY business day), provided that the sender maintains a machine record of the completed transmission. For all claims arising out of or related to this Agreement, nothing in this section establishes, waives, or modifies any claims presentation requirements or procedures provided by law, including but not limited to the Government Claims Act (Division 3.6 of Title 1 of the Government Code, beginning with section 810). 14. GOVERNING LAW: Venue for any action arising out of or related to this Agreement shall only be in Fresno County, California. The rights and obligations of the parties and all interpretation and performance of this Agreement shall be governed in all respects by the laws of the State of California. 15. DISCLOSURE OF SELF-DEALING TRANSACTIONS This provision is only applicable if the CONTRACTOR is operating as a corporation (a for-profit or non-profit corporation) or if during the term of the agreement, the CONTRACTOR changes its status to operate as a corporation. Members of the CONTRACTOR’s Board of Directors shall disclose any self-dealing transactions that they are a party to while CONTRACTOR is providing goods or performing services under this agreement. A self-dealing transaction shall mean a transaction to which the CONTRACTOR is a party and in which one or more of its directors has a material financial interest. Members of the Board of Directors shall disclose any self-dealing transactions that they are a party to by completing and signing a Self-Dealing Transaction Disclosure Form, attached hereto as Exhibit D and incorporated herein by -10- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 reference, and submitting it to the COUNTY prior to commencing with the self-dealing transaction or immediately thereafter. 16. ENTIRE AGREEMENT: This Agreement constitutes the entire agreement between the CONTRACTOR and COUNTY with respect to the subject matter hereof and supersedes all previous Agreement negotiations, proposals, commitments, writings, advertisements, publications, and understanding of any nature whatsoever unless expressly included in this Agreement. In the event of any inconsistency in interpreting the documents which constitute this Agreement, the inconsistency shall be resolved by giving precedence in the following order of priority: (1) the text of this Agreement (including Exhibit “C”, but excluding Exhibit "A", COUNTY'S Request for Proposal No. 21-033 and Exhibit “B”, the CONTRACTOR'S Proposal in response thereto); (2) Exhibit "A"; and (3) Exhibit “B”. /// /// /// /// /// /// /// /// /// /// /// /// /// /// /// /// /// /// 1 IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year 2 first hereinabove written . 3 4 5 6 7 8 9 10 11 12 13 14 15 16 CONTRACTOR HUB International Insurance Services, Inc. -~~-(Authorized Signature) Shannon Taylor Print Name Executive Vice President & Pacific Region President Title (Authorized Signature) Tim Kennedy Print Name Executive Vice President, 17 Employee Benefits Market Leader Title 18 19 20 21 22 23 24 25 26 27 28 Mailing Address FOR ACCOUNTING USE ONLY: Fund : 1060 Subclass: 10000 ORG: 89250200 Account: 7295 COUNTY OF FRESNO Stev Brandau , Chairman of the Board of Supervisors of the County of Fresno ATTEST: Bernice E. Seidel Clerk of the Board of Supervisors County of Fresno , State of California Deputy -11- EXHIBIT A G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx PD-040 (10/21/2019) COUNTY OF FRESNO REQUEST FOR PROPOSAL NUMBER: 21-033 COUNTY OF FRESNO HEALTH AND BENEFITS CONSULTANT Issue Date: February 23, 2021 Closing Date: MARCH 23, 2021 AT 10:00 AM All Questions and Responses must be electronically submitted on the Bid Page on Public Purchase. For assistance, contact Mr. Shannon W. Kirby at Phone (559) 600-7110. BIDDER TO COMPLETE Undersigned agrees to furnish the commodity or service stipulated in the attached at the prices and terms stated in this RFP. Bid must be signed and dated by an authorized officer or employee. COMPANY CONTACT PERSON ADDRESS CITY STATE ZIP CODE ( ) TELEPHONE NUMBER E-MAIL ADDRESS AUTHORIZED SIGNATURE PRINT NAME TITLE G:\PUBLIC\RFP\FY 2020-21\21-033 COUNTY OF FRESNO HEALTH AND BENEFITS CONSULTANT\21-033 ADDENDUM 1.DOCX (10/21/2019) COUNTY OF FRESNO ADDENDUM NUMBER: ONE (1) RFP NUMBER: 21-033 COUNTY OF FRESNO HEALTH AND BENEFITS CONSULTANT Issue Date: March 3, 2021 Closing Date: March 23, 2021 at 10:00 AM All Questions and Proposals must be electronically submitted to the Bid Page on Public Purchase. For assistance, contact Mr. Shannon W. Kirby at (559) 600-7110. NOTE THE FOLLOWING AND ATTACHED ADDITIONS, DELETIONS AND/OR CHANGES TO THE REQUIREMENTS OF REQUEST FOR PROPOSAL NUMBER: 21-033 AND INCLUDE THEM IN YOUR RESPONSE. PLEASE SIGN AND RETURN THIS ADDENDUM WITH YOUR PROPOSAL. Questions and Answers ACKNOWLEDGMENT OF ADDENDUM NUMBER ONE (1) TO RFP 21-033 COMPANY NAME: (PRINT) SIGNATURE: NAME & TITLE: (PRINT) Purchasing Use: SWK:st ORG/Requisition: 89250200 / 8922100131 Addendum No. ONE (1) Page 2 Request for Proposal Number: 21-033 March 3, 2021 G:\PUBLIC\RFP\FY 2020-21\21-033 COUNTY OF FRESNO HEALTH AND BENEFITS CONSULTANT\21-033 ADDENDUM 1.DOCX QUESTIONS AND ANSWERS Q1. Can you please provide a summary report of your most recent audit results (as described in Section I. Administrative Services, 4.c.)? We would like to understand the depth of the annual audit the County is seeking. A1. The County expects the consultant to be familiar with our plan documents and policies so that they may suggest changes to those plan documents and policies based on changes in laws/regulations and/or changes to industry best practices. The County expects that such audits would occur as needed, but no less than annually. Q2. III. Vendor Relations, 2.e. indicates meetings/conf calls with vendors are required no less than one time per quarter. Are there standing meetings/calls between the County and it's vendors? If so, are they standing calls with all eight current vendors? On average, how many meetings occur each quarter with all the vendors in which the Consultant will participate? A2. Currently there are no standing meetings or conference calls with vendors. These are scheduled with individual vendors as needed to receive updates and review plan performance/utilization. Q3. What is the method/process for enrolling employees on the Voya voluntary plans? A3. The County utilizes MyWorkplace.net for benefits enrollment. Q4. Would the county be interested in rolling out a campaign to encourage enrollment on the Voya voluntary plans? The participation percentage appears to be very low as of right now. A4. The County would be interested in rolling out a campaign to encourage enrollment on the Voya voluntary plans. Vendors are encouraged to include their detailed strategy to enhance the benefit programs offered by the County, as well as expanding enrollment in these programs. Q5. Please clarify the scope of service for Part A. Is this an RFP for both the consultant for the SJVIA as well as the consultant for the County of Fresno? Or, is this specifically for the County of Fresno and a separate contract with the current broker remains in place for the SJVIA consulting? A5. This RFP is specifically for the County of Fresno, not the SJVIA. Q6. The $295,000 that was paid to the current consultant, was that for only the County of Fresno consulting and not their work directly with the SJVIA? Does the $295,000 annual cap stated in the Keenan agreement include the commissions they received on the ancillary/voluntary products in addition to the flat fee that is paid by the County? A6. The current agreement between the County of Fresno and Keenan & Associates is not related to the SJVIA. The $295,000 cap represents the maximum the County of Fresno would pay and would be offset by commissions received by Keenan from voluntary benefits. Addendum No. ONE (1) Page 3 Request for Proposal Number: 21-033 March 3, 2021 G:\PUBLIC\RFP\FY 2020-21\21-033 COUNTY OF FRESNO HEALTH AND BENEFITS CONSULTANT\21-033 ADDENDUM 1.DOCX Q7. Q15 in the Scope of Services requests the number of RFP projects we have conducted in the various categories. As a firm, we do not track this information at this level. Will we be considered non-responsive if we respond with "not available" for this table? A7. Bidders will not be considered non-responsive if they do not complete the table within Q15 of the Scope of Work Proposal Requirements. However, we expect a bidder to provide as much information as possible regarding this question, as it speaks to their level of experience and expertise in administering an RFP process, which is vital to the role of Health and Benefits Consultant. Q8. Does the current consultant directly pay for any services on behalf of the County such as COBRA, Printing, etc? If so, please state which services and the amount of annual commitment for each. A8. The current consultant does not pay for these services on behalf of the County of Fresno. Proposal No. 21-033 Page 2 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx TABLE OF CONTENTS PAGE OVERVIEW ..................................................................................................................... 3 BACKGROUND ............................................................................................................... 3 KEY DATES .................................................................................................................... 6 GENERAL REQUIREMENTS & CONDITIONS ............................................................... 7 INSURANCE REQUIREMENTS ................................................................................... 10 BID INSTRUCTIONS .................................................................................................... 12 SCOPE OF WORK ........................................................................................................ 14 SCOPE OF WORK PROPOSAL REQUIREMENTS ..................................................... 19 COST PROPOSAL ........................................................................................................ 21 AWARD CRITERIA ....................................................................................................... 23 PROPOSAL CONTENT REQUIREMENTS ................................................................... 24 TRADE SECRET ACKNOWLEDGEMENT ................................................................... 26 DISCLOSURE – CRIMINAL HISTORY & CIVIL ACTIONS ........................................... 27 CERTIFICATION ........................................................................................................... 29 REFERENCE LIST ........................................................................................................ 30 PARTICIPATION ........................................................................................................... 31 CHECK LIST ................................................................................................................. 32 EXHIBITS ...................................................................................................................... 33 Proposal No. 21-033 Page 3 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx OVERVIEW The County of Fresno is requesting proposals from qualified vendors to provide consulting services related to our health and benefits programs (“Health & Benefits Consultation Services”). The County has been in a contract with Keenan & Associates since July of 2016 and at this time is requesting proposals for Health & Benefits Consultation Services consistent with the County’s standard process of periodically re-bidding services. The County seeks a consultant that is well versed in the health benefits market (including self- funded plans), experienced in advising comparable public agencies, able to provide legislative updates on both proposed and new legislation, and that works well with various levels of labor, staff and management. While the primary focus of this request for proposals is Health Insurance Consultation Services, the County also requires consulting and broker of record services for Ancillary/Voluntary Benefits (life, disability and voluntary benefits), Flexible Spending Accounts (Health Care, Dependent Care, and Commuter benefits), Wellness Program and the Employee Assistance Program. Proposals that include only health benefit consultation services will not be considered. Prospective bidders should familiarize themselves with County-sponsored benefits by visiting our website: https://www.co.fresno.ca.us/departments/human-resources/employee-benefits. BACKGROUND The primary focus of Health Consultation Services will be as an advocate for the County in our relationship with the San Joaquin Valley Insurance Authority (the “SJVIA” – review the “County Health and Benefits” section, below, for more information) to ensure that the SJVIA rates are competitive, review rates from an actuarial perspective, the procurement and administration of health benefits to retired employees and compliance with applicable state and federal laws and regulations. The primary focus of Non-Health Consultation Services will be in the procurement and administration of Life Insurance, Disability Insurance, Voluntary Benefits, Flexible Spending Accounts, and the Employee Assistance Program. The County anticipates entering into a new agreement with the prospective consultant by July of 2021 and expects said consultant to be prepared to solicit proposals for benefits immediately upon contract execution (please see contract expiration information in the “County Health and Benefits” section, below). The County’s annual Open Enrollment period for 2022 is scheduled to begin in October and the plan year begins December 13, 2021. The County uses MyWorkplace.net for benefit enrollment services. Plans that expire at the end of 2021 include: • Retiree health and pharmacy benefits management services for retired employees • Employer and employee-paid life insurance • The EAP provider for active employees The County seeks Health & Benefits Consultation Services provided on a flat fee retainer basis. For reference, the County has paid $295,000 in consulting fees under our current agreement with Keenan & Associates. The County is asking for bids under two (2) scenarios: 1) The Consultant credits all commissions received back to the County; and 2) The Consultant retains commissions for employee-paid benefits (under both scenarios, the County will retain commissions on County- paid benefits). Full details are available in the Cost Proposal section of this RFP. Proposal No. 21-033 Page 4 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx COUNTY HEALTH & BENEFITS PROGRAMS Please note that benefit enrollment statistics are provided in Exhibits A & B to this RFP. Active Employee Health Insurance On October 6, 2009 the County approved the execution of a Joint Exercise of Powers Agreement creating the San Joaquin Valley Insurance Authority (SJVIA) with the County of Tulare. The purpose of the SJVIA is to negotiate, purchase or otherwise fund health, pharmacy, vision, and dental insurance for employees of both counties at more favorable rates while administering those insurance programs with greater efficiency than could be obtained by their individual efforts. More information may be found on the SJVIA website at sjvia.org. The County currently utilizes plans/benefits through the SJVIA: • Health/Mental Health (Anthem Blue Cross EPO, PPO, HDPPO medical plans along with fully insured Kaiser HMO) • Dental (Delta Dental DPPO and DHMO) • Vision (VSP) • PBM services (EmpiRx) • COBRA administration Each year, the County signs a one-year participation agreement with the SJVIA for plans and services. The County’s consultant would be responsible for evaluating the best health insurance options available to the County. This would include an analysis of the proposed rates and plan design options from the SJVIA and potentially soliciting bids from other carriers outside of the SJVIA. Retiree Health Insurance and Pharmacy Benefit Management Services The County unblended the active and pre-65 health insurance rates in 2006 thereby eliminating the GASB 45 liability. The County offers four (4) plans to Pre-65 and Medicare-eligible County retirees which are not through the SJVIA. Pre-65 retirees may utilize the Anthem Blue Cross HDPPO. Medicare-eligible retirees may utilize one of three plans: • A Medicare Supplemental plan provided by United American/Retiree First with United HealthCare Rx providing the prescription coverage. • Two Medicare Advantage plans are offered through Kaiser Senior Advantage with a high and low option. All Retiree benefits will require the solicitation of bids by the consultant for the 2022 plan year. Ancillary/Voluntary Benefits The County offers a variety of employer- and employee-paid benefits to its employees, including: • Employer-paid life and accidental death & dismemberment (AD&D) insurance through Voya/ReliaStar • Employer-paid long-term disability insurance for unrepresented management employees through Met Life • Employee-paid life, critical illness, accident, and hospital confinement insurance through Voya Proposal No. 21-033 Page 5 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx • Employee-paid short-term disability insurance benefits through California SDI (most employees are covered under this policy). • Employee-paid personal property (e.g., car and/or homeowner) insurance through Liberty Mutual Please note that the employer- and employee-paid life insurance policies will require solicitation of bids by the consultant for the 2022 plan year. Personal Property Insurance The County offers personal property insurance, such as auto and homeowner insurance, from Liberty Mutual. This arrangement is through the California State Association of Counties. Solicitation of bids by the consultant is not immediately required, but may be requested by the County at any point in the future. Employee Assistance Program The County’s Employee Assistance Program is currently provided by ComPsych Corporation. We utilize a three (3) visit per six (6) month model, with an on-site hour bank of 110 hours. These services are provided under the County’s Life Insurance agreement with Voya/ReliaStar. As we are in the final year of our agreement with Voya/ReliaStar, County requires solicitation of bids by the consultant for the 2022 plan year. Flexible Spending Account Program The County offers flexible spending accounts pursuant to Section 125 and 132 of the Internal Revenue Code. We offer Health, Dependent Care, Parking and Transit benefits. Our current administrator is Navia Benefit Solutions. We are currently in the fourth year of a five-year agreement; County will require solicitation of bids by the consultant for the 2023 plan year. Wellness Program The wellness program strives to promote the health and well-being of County of Fresno employees through health education and wellness program activities with a focus on building a healthy lifestyle through nutrition, fitness, and weight management. The consultant would be expected to coordinate wellness challenges, advocate for sufficient wellness funding through the SJVIA, act as a liaison between County and the healthcare providers to provide wellness services, such as mammograms and biometric screenings. Proposal No. 21-033 Page 6 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx KEY DATES RFP Issue Date: February 23, 2021 Written Questions for RFP Due: March 2, 2021 at 10:00 AM Questions must be submitted on the Bid Page. RFP Closing Date: March 23, 2021 at 10:00 AM Proposals must be electronically submitted on the Bid Page. Proposal No. 21-033 Page 7 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx GENERAL REQUIREMENTS & CONDITIONS TERM: It is County's intent to contract with the successful bidder for a term of three years with the option to renew for up to two additional one year periods based on mutual written consent. The County reserves the right to terminate any resulting contract upon written notice. AWARD: The award will be made to the vendor offering the proposal that is deemed the most advantageous to the County. Past performance (County contracts within the past seven years) and references may factor into awarding of a contract. The County will be the sole judge in making such determination. The County reserves the right to reject any and all proposals. Award Notices are tentative. Acceptance of an offer made in response to this RFP shall occur only upon execution of an agreement by both parties or issuance of a valid Purchase Order by Purchasing. After award, all bids shall be open to public inspection. The County assumes no responsibility for the confidentiality of information offered in a bid. Award may require approval by the County of Fresno – Board of Supervisors. PARTICIPATION: The bidder may agree to extend the terms of the resulting contract to other political subdivisions, municipalities, and tax-supported agencies. Such participating governmental bodies may make purchases in their own name, make payment directly to the bidder, and be liable directly to the bidder, holding the County of Fresno harmless. CONFIDENTIALITY: Services performed by the bidder shall be in strict conformance with all applicable Federal, State of California and/or local laws and regulations relating to confidentiality, including but not limited to, California Civil Code, California Welfare and Institutions Code, Health and Safety Code, California Code of Regulations, Code of Federal Regulations. The bidder shall submit to County’s monitoring of said compliance. The bidder may be a Business associate of County, as that term is defined in the “Privacy Rule” enacted by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). As a HIPAA Business Associate, vendor may use or disclose protected health information (“PHI”) to perform functions, activities or services for or on behalf of County, as specified by the County, provided that such use or disclosure shall not violate HIPAA and its implementing regulations. The uses and disclosures of PHI may not be more expansive than those applicable to County, as the “Covered Entity” under HIPAA’s Privacy Rule, except as authorized for management, administrative or legal responsibilities of the Business Associate. The bidder shall not use or further disclose PHI other than as permitted or required by the County, or as required by law without written notice to the County. The bidder shall ensure that any agent, including any subcontractor, to which vendor provides PHI received from, or created or received by the vendor on behalf of County, shall comply with the same restrictions and conditions with respect to such information. SELF-DEALING TRANSACTION DISCLOSURE: Contractor agrees that when operating as a corporation (a for-profit or non-profit corporation), or if during the term of the agreement the Contractor changes its status to operate as a corporation, members of the Contractor’s Board of Directors shall disclose any self-dealing transactions that they are a party to while Contractor is providing goods or performing services under the agreement with the County. A self-dealing transaction shall mean a transaction to which the Contractor is a party and in which one or more of its directors has a material financial interest. Members of the Board of Directors shall disclose any self-dealing transactions that they are a party to by completing and signing a Fresno County Self-Dealing Transaction Disclosure Form and submitting it to the County prior to commencing with the self-dealing transaction or immediately thereafter. LOCAL VENDOR PREFERENCE: The Local Vendor Preference does not apply to this Request for Proposal. Proposal No. 21-033 Page 8 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx CONFLICT OF INTEREST: The County shall not contract with, and shall reject any bid or proposal submitted by the persons or entities specified below, unless the Board of Supervisors finds that special circumstances exist which justify the approval of such contract: 1. Employees of the County or public agencies for which the Board of Supervisors is the governing body. 2. Profit-making firms or businesses in which employees described in Subsection (1) serve as officers, principals, partners or major shareholders. 3. Persons who, within the immediately preceding twelve (12) months, came within the provisions of Subsection (1), and who were employees in positions of substantial responsibility in the area of service to be performed by the contract, or participated in any way in developing the contract or its service specifications. 4. Profit-making firms or businesses in which the former employees described in Subsection (3) serve as officers, principals, partners or major shareholders. 5. No County employee, whose position in the County enables him to influence the selection of a contractor for this RFP, or any competing RFP, and no spouse or economic dependent of such employee, shall be employees in any capacity by a bidder, or have any other direct or indirect financial interest in the selection of a contractor. 6. In addition, no County employee will be employed by the selected vendor to fulfill the vendor’s contractual obligations to the County. DISCLOSURE: The bidder is required to disclose if, within the three-year period preceding the proposal, their owners, officers, corporate managers and partners have been convicted of, or had a civil judgment rendered against them for: • fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a public (federal, state, or local) transaction or contract under a public transaction; • violation of a federal or state antitrust statute; • embezzlement, theft, forgery, bribery, falsification, or destruction of records; or • false statements or receipt of stolen property Within a three-year period preceding their proposal, they have had a public transaction (federal, state, or local) terminated for cause or default. ORDINANCE 3.08.130 – POST-SEPARATION EMPLOYMENT PROHIBITED: No officer or employee of the County who separates from County service shall for a period of one year after separation enter into any employment, contract, or other compensation arrangement with any County consultant, vendor, or other County provider of goods, materials, or services, where the officer or employee participated in any part of the decision making process that led to the County relationship with the consultant, vendor or other County provider of goods, materials or services. Pursuant to Government Code section 25132(a), a violation of the ordinance may be enjoined by an injunction in a civil lawsuit, or prosecuted as a criminal misdemeanor. TIE BIDS: In the event of a tie score between two or more proposals at the completion of the evaluation process, the evaluation team will break the tie by re-evaluating the proposals and coming to a consensus on which proposal to award. Additional information or interviews may be requested from bidders with the tied proposals. DATA SECURITY: Individuals and/or agencies that enter into a contractual relationship with the County for the purpose of providing services must employ adequate controls and data security measures, both internally and externally to ensure and protect the confidential information and/or data provided to contractor by the County, preventing the potential loss, misappropriation or inadvertent access, viewing, use or disclosure of County data including sensitive or personal client information; abuse of County resources; and/or disruption to County operations. Proposal No. 21-033 Page 9 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx Individuals and/or agencies may not connect to or use County networks/systems via personally owned mobile, wireless or handheld devices unless authorized by County for telecommuting purposes and provide a secure connection; up to date virus protection and mobile devices must have the remote wipe feature enabled. Computers or computer peripherals including mobile storage devices may not be used (County or Contractor device) or brought in for use into the County’s system(s) without prior authorization from County’s Chief Information Officer and/or designee(s). No storage of County’s private, confidential or sensitive data on any hard-disk drive, portable storage device or remote storage installation unless encrypted according to advance encryption standards (AES of 128 bit or higher). The County will immediately be notified of any violations, breaches or potential breaches of security related to County’s confidential information, data and/or data processing equipment which stores or processes County data, internally or externally. County shall provide oversight to Contractor’s response to all incidents arising from a possible breach of security related to County‘s confidential client information. Contractor will be responsible to issue any notification to affected individuals as required by law or as deemed necessary by County in its sole discretion. Contractor will be responsible for all costs incurred as a result of providing the required notification. AUDITS & RETENTION: The Contractor shall maintain in good and legible condition all books, documents, papers, data files and other records related to its performance under this contract. Such records shall be complete and available to Fresno County, the State of California, the federal government or their duly authorized representatives for the purpose of audit, examination, or copying during the term of the contract and for a period of at least three (3) years following the County's final payment under the contract or until conclusion of any pending matter (e.g., litigation or audit), whichever is later. Such records must be retained in the manner described above until all pending matters are closed. PAYMENT: County will make partial payments for all purchases made under the contract and accumulated during the month. Terms of payment will be net forty-five (45) days. DISPUTE RESOLUTION: The ensuing contract shall be governed by the laws of the State of California. Any claim which cannot be amicably settled without court action will be litigated in the U. S. District Court for the Eastern District of California in Fresno, CA or in a state court for Fresno County. ASSIGNMENTS: The ensuing proposed contract will provide that the vendor may not assign any payment or portions of payments without prior written consent of the County of Fresno. ASSURANCES: Any contract awarded under this RFP must be carried out in full compliance with The Civil Rights Act of 1964, The Americans With Disabilities Act of 1990, their subsequent amendments, and any and all other laws protecting the rights of individuals and agencies. The County of Fresno has a zero tolerance for discrimination, implied or expressed, and wants to ensure that policy continues under this RFP. The contractor must also guarantee that services, or workmanship, provided will be performed in compliance with all applicable local, state, or federal laws and regulations pertinent to the types of services, or project, of the nature required under this RFP. In addition, the contractor may be required to provide evidence substantiating that their employees have the necessary skills and training to perform the required services or work. LICENSES AND CERTIFICATIONS: Any license(s) and/or certification(s) required in this RFP must be obtained by the bidder prior to submitting a proposal and must be active and in good standing. Proposals submitted without the proper license(s) and/or certification(s) will be deemed non-responsive. PUBLIC CONTRACT CODE SECTION 7028.15: Where the State of California requires a Contractor’s license; it is a misdemeanor for any person to submit a bid unless specifically exempted. Proposal No. 21-033 Page 10 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx INSURANCE REQUIREMENTS Without limiting the County's right to obtain indemnification from contractor or any third parties, contractor, at its sole expense, shall maintain in full force and effect, the following insurance policies or a program of self- insurance, including but not limited to, an insurance pooling arrangement or Joint Powers Agreement (JPA) throughout the term of the Agreement: A. Commercial General Liability: Commercial General Liability Insurance with limits of not less than Two Million Dollars ($2,000,000.00) per occurrence and an annual aggregate of Four Million Dollars ($4,000,000.00). This policy shall be issued on a per occurrence basis. County may require specific coverage including completed operations, product liability, contractual liability, Explosion-Collapse- Underground, fire legal liability or any other liability insurance deemed necessary because of the nature of the contract. B. Automobile Liability: Comprehensive Automobile Liability Insurance with limits of not less than One Million Dollars ($1,000,000.00) per accident for bodily injury and for property damages. Coverage should include any auto used in connection with this Agreement. C. Professional Liability: If Contractor employs licensed professional staff, (e.g., Ph.D., R.N., L.C.S.W., M.F.C.C.) in providing services, Professional Liability Insurance with limits of not less than One Million Dollars ($1,000,000.00) per occurrence, Three Million Dollars ($3,000,000.00) annual aggregate. This coverage shall be issued on a per claim basis. Contractor agrees that it shall maintain, at its sole expense, in full force and effect for a period of three years following the termination of this Agreement, one or more policies of professional liability insurance with limits of coverage as specified herein. D. Worker's Compensation: A policy of Worker's Compensation insurance as may be required by the California Labor Code. Additional Requirements Relating to Insurance: Contractor shall obtain endorsements to the Commercial General Liability insurance naming the County of Fresno, its officers, agents, and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned. Such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by County, its officers, agents and employees shall be excess only and not contributing with insurance provided under Contractor's policies herein. This insurance shall not be cancelled or changed without a minimum of thirty (30) days advance written notice given to County. Contractor hereby waives its right to recover from County, its officers, agents, and employees any amounts paid by the policy of worker’s compensation insurance required by this Agreement. Contractor is solely responsible to obtain any endorsement to such policy that may be necessary to accomplish such waiver of subrogation, but Contractor’s waiver of subrogation under this paragraph is effective whether or not Contractor obtains such an endorsement. Within thirty (30) days from the date Contractor executes this Agreement, Contractor shall provide certificates of insurance and endorsement as stated above for all of the foregoing policies, as required herein, to the County of Fresno, Human Resources, Attn: David Joseph, 2220 Tulare Street, 14th Floor, Fresno, CA 93721, stating that such insurance coverage have been obtained and are in full force; that the County of Fresno, its officers, agents and employees will not be responsible for any premiums on the policies; that such Commercial General Liability insurance names the County of Fresno, its officers, agents and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned; that such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by County, its officers, agents and employees, shall be excess only and not contributing with insurance provided under Contractor's policies herein; and that this insurance shall not be cancelled or changed without a minimum of thirty (30) days advance, written notice given to County. Proposal No. 21-033 Page 11 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx In the event Contractor fails to keep in effect at all times insurance coverage as herein provided, the County may, in addition to other remedies it may have, suspend or terminate this Agreement upon the occurrence of such event. All policies shall be with admitted insurers licensed to do business in the State of California. Insurance purchased shall be purchased from companies possessing a current A.M. Best, Inc. rating of A FSC VII or better. Proposal No. 21-033 Page 12 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx BID INSTRUCTIONS • All prices and notations must be typed or written in ink. • Unless otherwise noted, prices shall remain firm for 180 days after the closing date of the bid. • Proposals must be electronically submitted on the forms provided in this RFP with all pages numbered. • Additional material may be submitted with the proposal as attachments. Any additional descriptive material that is used in support of any information in your proposal must be referenced by the appropriate paragraph(s) and page number(s). • Bidders must electronically submit their proposal in .pdf format, no later than the proposal closing date and time as stated on the front of this document, to the Bid Page on Public Purchase. The County will not be responsible for and will not accept late bids due to slow internet connection or incomplete transmissions. • County of Fresno will not be held liable for any costs incurred by vendors in responding to this RFP. • Bidders are instructed not to submit confidential, proprietary and related information within the request for proposal. If you are submitting trade secrets, it must be electronically submitted in a separate PDF file clearly named “TRADE SECRETS” and marked as Confidential, see Trade Secret Acknowledgement section. • If a bidder finds any discrepancies or has any questions, submit all inquiries to the Bid Page on Public Purchase or contact Mr. Shannon W. Kirby at (559) 600-7110. Any change in the RFP will be made only by written addendum issued by the County. The County will not be responsible for any other explanations or interpretations. • Failure to respond to all questions or to not supply the requested information could result in rejection of your proposal. Merely offering to meet the specifications is insufficient and will not be accepted. Each bidder shall submit a complete proposal with all information requested. • Proposals received after the closing date and time will NOT be considered. • Proposals will be evaluated by an evaluation team led by County Purchasing and may consist of County of Fresno department staff, community representatives from advisory boards, and other members as appropriate. If a proposal does not respond adequately to the RFP or the bidder is deemed unsuitable or incapable of delivering services, the proposal may be eliminated from consideration. Upon review and evaluation, the evaluation team will make the final recommendation to the County department. • Appeals must be submitted in writing within seven (7) working days after notification of proposed recommendations for award. A “Notice of Award” is not an indication of County’s acceptance of an offer made in response to this RFP. Appeals shall be submitted to County of Fresno Purchasing, 333 W. Pontiac Way, Clovis, CA 93612 and in Word format to gcornuelle@FresnoCountyCA.gov. Appeals should address only areas regarding RFP contradictions, procurement errors, proposal rating discrepancies, legality of procurement context, conflict of interest, and inappropriate or unfair competitive procurement grievance regarding the RFP process. Purchasing will provide a written response to the complainant within seven (7) working days unless the complainant is notified more time is required. If the appealing bidder is not satisfied with the decision of Purchasing, bidder shall have the right to appeal to the County Administrative Office within seven (7) working days after Purchasing’s notification; if the appealing bidder is not satisfied with CAO’s decision, the final appeal is with the Board of Supervisors. Please contact Purchasing if the appeal will be going to the Board of Supervisors. Proposal No. 21-033 Page 13 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx • All communication regarding this RFP shall be directed to an authorized representative of County Purchasing. The specific Analyst managing this RFP is identified on the cover page, along with his or her contact information, and he or she should be the primary point of contact for discussions or information pertaining to the RFP. Contact with any other County representative, including elected officials, for the purpose of discussing this RFP, its content, or any other issue concerning it, is prohibited unless authorized by Purchasing. Violation of this clause, by the vendor having unauthorized contact (verbally or in writing) with such other County representatives, may constitute grounds for rejection by Purchasing of the vendor’s quotation. The above stated restriction on vendor contact with County representatives shall apply until the County has awarded a purchase order or contract to a vendor or vendors, except as follows. First, in the event that a vendor initiates a formal appeal against the RFP, such vendor may contact the Purchasing Manager who manages that appeal as outlined in the County’s established appeal procedures. All such contact must be in accordance with the sequence set forth under the appeal procedures. Second, in the event a public hearing is scheduled before the Board of Supervisors to hear testimony prior to its approval of a purchase order or contract, any vendor may address the Board at scheduled Board Meeting. Proposal No. 21-033 Page 14 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx SCOPE OF WORK The successful vendor will be expected to provide, at a minimum, the services to the County health and benefits programs detailed in this Scope of Work. Prospective bidders will note that while Health Benefits Consultation Services (Part A of this Scope of Work) is the primary focus of this RFP, the County also expects bidders to respond to Part B of this Scope of Work, which details the County’s ancillary/voluntary benefit consulting needs: life, disability and other personal insurance benefits, Flexible Spending Accounts (Health Care, Dependent Care, and Commuter benefits), and Employee Assistance Program. Proposals that do not include provision of services described in Part B will not be considered. Vendor will provide a summary of their understanding of the County’s needs (as detailed in this Scope of Work) and how the vendor plans to meet these needs: 1. The County is seeking a summary that includes the vendor’s broad understanding of the scope of the County’s request and a summary of the vendor’s entire proposal. 2. The summary will also include a statement that the vendor will provide all the services included in this Scope of Work. If the vendor is unable to provide any of the service(s), they will describe which of the service(s) they are unable to provide. PART A – SCOPE OF HEALTH BENEFITS CONSULTATION SERVICES I. ADMINISTRATIVE SERVICES: 1. Benefit Design Assistance a. Provide an initial in-depth review of the County’s existing health insurance programs and assist in the development of long-range plans and financial, operational and utilization goals. Provide an annual assessment as to whether long term objectives are being met. b. Review and analyze vendor documents, including but not limited to contracts, policies, rate documents and coverage booklets, provide interpretations and recommendations. c. Determine methods of reporting plan performance for the purpose of recommending strategies to lower cost and maintain quality. d. Recommend wellness and disease management strategy with a focus on measuring the return on investment of such efforts. e. Provide general guidance on trends in benefits offered and eligibility requirements. 2. Communications a. Provide editorial and compliance review of Open Enrollment and other County-produced benefit communications including memos, materials and presentations for employee meetings. b. Coordinate with vendors as necessary; leverage availability of vendor communication materials and resources. c. Review vendor’s plan summaries and other materials for benefit accuracy and basic compliance. d. Provide assistance in the development and analysis of surveys to acquire employee feedback on the performance of plans. 3. Meeting Attendance & General Availability a. Attend quarterly meetings of the Health Benefits Advisory Committee (HBAC) (4 meetings per year). The HBAC consists of one representative from each County bargaining unit, as well as retiree and management members. b. Attend meetings of the San Joaquin Valley Insurance Authority (SJVIA) as needed The SJVIA meets 5 – 6 times per year Proposal No. 21-033 Page 15 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx c. The consultant shall assist in the preparation of a variety of materials required for labor negotiations including, but not be limited to, cost estimates for new or upgraded benefit programs, rate calculations, and written material such as analyses, summaries, and graphs/spreadsheets. d. Participate in conference calls with County staff no less than once per month. e. Meet in person twice a year f. Provide prompt and effective responses to ad hoc requests from County staff for information or analysis. g. Assist County staff with technical issues affecting the administration and processing procedures of the benefit programs as they arise, including plan document interpretation and eligibility determination. 4. Legal & Regulatory Compliance Support and Updates a. Provide advice and interpretation on all local, state, and federal benefit regulations impacting the County health plans, including but not limited to: i. Patient Protection and Affordable Care Act (PPACA) ii. Family and Medical Leave Act (FMLA) iii. California Family Rights Act (CFRA) iv. Consolidated Omnibus Budget Reconciliation Act (COBRA) v. Health Insurance Portability and Accountability Act (HIPAA) vi. Americans with Disability Act (ADA) vii. Fair Employment and Housing Act (FEHA) viii. Uniformed Services Employment Reemployment Rights Act (USERRA) b. Notify the County of necessary steps towards compliance with new legislation impacting County health plans. c. Review plan documents and internal County policies to ensure compliance with appropriate laws and regulations and to ensure that the County is adhering to industry best practices. Make recommendations regarding necessary amendments to plan documents or internal policies and assist in their preparation. d. On an annual basis, audit the County’s current health insurance administration practices (including, but not limited to, forms and communications to participants) to ensure compliance with applicable laws and regulations, as well as applicable plan documents and internal policies. Make recommendations regarding necessary changes to current practices. e. Assist in an advisory capacity in reviewing and ruling on appeals from members covered by the County’s Cafeteria Plan (includes Health Insurance and Flexible Spending Accounts). II. DATA ANALYSIS AND REPORTING: 1. Monitor, analyze and report monthly claim experience, identifying trends and changes in large claims activity on a monthly basis. 2. Monitor, analyze and report claim utilization data in a format that is clear, concise and actionable. III. VENDOR RELATIONS: 1. RFP and Contract Development a. Development of requests for proposals (RFP) and submitting RFPs to viable medical (including mental health), dental, vision, and prescription providers. b. Review and evaluate vendor responses to RFP and present a summary of the results to the Proposal No. 21-033 Page 16 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx County. Schedule and coordinate finalist interviews and communicate results to vendors. c. Assist in negotiating fee agreements with selected vendors and provide an executive summary report of results of negotiations and final rates/fees. d. Facilitate the transition to new vendor (if necessary). e. Please provide sample RFP materials (i.e., any evaluation tools you will use to accomplish the tasks described in paragraphs a – d above, as well as a sample timeline) 2. Vendor Management a. Establish appropriate vendor performance guarantees in collaboration with the County. b. Ensure that vendors are in compliance with the terms of their agreement, including insurance requirements with the County and monitor performance guarantees. c. Upon request of County staff or whenever appropriate, act as a liaison between the County and vendors, including but not limited to, participating in problem resolution and strategic planning. d. Conduct annual strategic sessions with vendors to discuss performance, opportunities, and updates. e. Attend meetings or conference calls with vendors as requested by the County, but no less than once per quarter. f. Monitor insurance companies for financial solvency where applicable. IV. ACTUARIAL, UNDERWRITING AND FISCAL SUPPORT: 1. Provide actuarial cost projections for various plan feature changes and improvements. 2. Analyze rates developed by the San Joaquin Valley Insurance Authority from an independent actuary perspective. 3. Analyze and recommend plan funding alternatives. 4. Prepare financial projections from alternative benefit designs and/or employee contributions. PART B – SCOPE OF OTHER BENEFIT CONSULTATION SERVICES Current benefits covered in this Part B include: 1. Group Insurance Policies and Current Providers a. Employer-paid – i. Basic Life and Accidental Death & Dismemberment Insurance (Voya) ii. Long-term Disability Insurance (Met Life, but going through the RFP process) b. Employee-paid – i. Accident Insurance (Voya) ii. Critical Illness Insurance (Voya) iii. Hospital Confinement Indemnity Insurance (Voya) iv. Term Life Insurance (Voya) v. Personal Property (i.e., Auto & Homeowner) Insurance (Liberty Mutual, through CSAC-EIA) Proposal No. 21-033 Page 17 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx 2. Benefit Programs and Current Providers a. Sections 125 & 132 Flexible Spending Program (Navia Benefit Solutions) b. Employee Assistance Program (ComPsych Corporation, as a rider to the life insurance agreement with Voya) c. County Wellness Program I. ADMINISTRATIVE SERVICES: 1. Benefit Design Assistance a. Provide an initial in-depth review of the County’s existing insurance policies and benefit programs and assist in the development of long-range plans and financial, operational and utilization goals. Provide an annual assessment as to whether long term objectives are being met. b. Review and analyze vendor documents, including but not limited to contracts, policies and coverage booklets, provide interpretations and recommendations. c. Provide general guidance on trends in benefits offered and eligibility requirements. d. Act as broker of record for insurance policies as needed. 2. Communications a. Assist in coordinating open enrollment efforts for voluntary insurance policies. b. Review vendor’s plan summaries and other materials for benefit accuracy and basic compliance. c. Assist in communicating the resources available through the flexible spending account, wellness, and employee assistance programs, with the goal of expanding the utilization of each program. d. Provide assistance in the development and analysis of surveys to acquire employee feedback on the performance of plans. 3. Meeting Attendance & General Availability a. Provide prompt and effective responses to ad hoc requests from County staff for information or analysis. b. Assist County staff with technical issues affecting the administration and processing procedures of the benefit programs as they arise, including plan document interpretation and eligibility determination. 4. Legal & Regulatory Compliance Support and Updates a. Notify the County of necessary steps towards compliance with new legislation impacting County the Section 125 and Section 132 Flexible Spending Programs. b. Review plan documents and internal County policies to ensure compliance with appropriate laws and regulations and to ensure that the County is adhering to industry best practices. Make recommendations regarding necessary amendments to plan documents or internal policies and assist in their preparation. c. On an annual basis, audit the County’s current benefits administration practices (including, but not limited to, forms and communications to participants) to ensure compliance with applicable laws and regulations, as well as applicable plan documents and internal policies. Make recommendations regarding necessary changes to current practices. d. Assist in an advisory capacity in reviewing and ruling on appeals from members covered by the County’s Cafeteria Plan (includes Health Insurance and Flexible Spending Accounts). Proposal No. 21-033 Page 18 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx II. VENDOR RELATIONS: 1. RFQ/RFP Process It is expected that the Consultant will provide the following services for all Ancillary/Voluntary Benefits offered by the County, including the Flexible Spending Account administrator and the County’s EAP provider. The cost to provide these services should be included in your Cost Proposal. a. Develop requests for quotations (RFQ) for Insurance Policies and requests for proposals (RFP) for Program Administrators/Providers in compliance with County purchasing requirements. b. Identify and distribute RFP/RFQ to appropriate vendors c. Review and evaluate vendor responses to RFP/RFQ and contact vendor references. d. Present a summary of the results to the County and make finalist recommendations, if applicable. e. Assist in negotiating agreements with selected vendors. f. Facilitate the transition to new vendor. 2. Vendor Management a. Establish appropriate vendor performance guarantees in collaboration with the County. b. Ensure that vendors are in compliance with the terms of their agreement with the County and monitor performance guarantees. c. Upon request of County staff or whenever appropriate, act as a liaison between the County and vendors, including but not limited to, participating in problem resolution and strategic planning. d. Conduct strategic meetings or conference calls with vendors and County staff to discuss performance, opportunities, and updates, no less than once per quarter. e. Monitor insurance companies for financial solvency where applicable. Proposal No. 21-033 Page 19 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx SCOPE OF WORK PROPOSAL REQUIREMENTS Vendor shall provide the following information in a separate section of their proposal entitled “SCOPE OF WORK PROPOSAL REQUIREMENTS”. Vendors shall restate each question then provide the vendor response. 1. How long has your firm provided consultant services as described in the Scope of Work? Is your firm qualified and licensed to conduct business in California? Please provide appropriate documentation. 2. Regarding the principal consultant advising the County: a. Please describe their experience and qualifications, including their current number of clients. b. If the principal consultant were to leave your firm, how would service be provided? How soon would a new principal consultant be assigned to the County’s account and will you agree to give the County the right of approval of any staff member assigned to this account? 3. What resources does your firm have available in the area of developing employee communications? Provide an example of communication materials developed by your organization for use in a client’s health benefit communication campaigns, including Open Enrollment and New Employee Orientation materials. 4. Does your firm publish newsletters and other informative publications that are routinely provided to clients? Have you prepared reviews of topics related to the health, life insurance and actuarial fields that are routinely provided to your clients? Describe your publication and provide sample copies. 5. Provide a description of any electronic or internet-based tools your firm provides to clients. 6. Describe your firm’s view of the role wellness programs have on controlling health care costs. What resources and tools do you offer clients around wellness initiatives? What service does your firm provide for developing a Wellness Program? 7. Indicate your firm’s ability to meet frequently (at minimum 8-10 times annually) with County of Fresno staff – either face-to-face or virtually at the County’s discretion – to discuss industry, regulatory and service issues. 8. How many days of advance notice would your company require in order to attend ad-hoc meetings? Do you have any limitations with attending face to face meetings? 9. What is your firm's policy/standard for returning phone calls and providing responses to emails or written questions? 10. Describe your firm’s experience with labor contract negotiations, as well as with a joint labor/management task force or committee. 11. Describe your firm’s experience and expertise with the Patient Protection and Affordable Care Act (ACA). How have you provided assistance to your clients in monitoring compliance with the ACA? 12. Detail your ability to monitor regulatory and legislative developments at both the state and federal level as well as how your firm alerts clients of changes and assists in compliance. Describe or provide examples of these communications. 13. Describe your firm’s legal research capabilities and ability to provide legal opinions. Does your firm have access to a benefits attorney who could render opinions to the County? 14. Tell us how you monitor and report on provider performance. Provide a sample of provider performance reports your firm has completed for current clients. Proposal No. 21-033 Page 20 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx 15. Discuss your firm’s experience conducting RFP/RFQ processes for health, voluntary/ancillary insurance (life, disability and other benefits, such as critical illness insurance) carriers, as well as employee assistance program (“EAP”) and flexible spending account (“FSA”) administrators. Please provide a sample RFP/RFQ for each benefit type. In the table below, state how many RFP projects for these providers/services your firm completed in 2018, 2019, and 2020. RFP/RFP Type 2018 2019 2020 Health Insurance Voluntary/Ancillary EAP Provider FSA Administrator 16. Does your firm have a conflict of interest policy? If so, please provide a copy. Also, please describe any conflicts that have arisen within the firm and how they were resolved. 17. If your firm proposes to offset its fees through commissions on voluntary insurance products, discuss how your method of compensation will be transparent and reported to the County. How frequently will your firm report its commission-based revenue to the County? 18. By submitting a response, you agree to all of the County specifications in this RFP. Proposal No. 21-033 Page 21 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx COST PROPOSAL The County of Fresno is seeking Cost Proposals under Option 1 and Option 2 below. While the County prefers Option 1 since it provides maximum transparency and minimizes conflicts of interest, the County will consider Cost Proposals under Option 2. Under both options, the County is requesting the prospective bidder to outline performance guarantees and the penalties associated with failure to meet such guarantees. Option 1 – Annual Consulting Fees where Commissions from both Ancillary and Voluntary Insurance Products are credited to the County Under this Option, any/all commissions on all benefits offered to County employees – whether employer- or employee-paid – will be credited back to the County in order to offset consulting fees. A. Provide the annual flat fee retainer to provide consultant services to the County as described in the Scope of Work. B. In the table below, provide the annual flat fee to provide the services described in the Scope of Work, for each year of the contract, based on a three (3) year contract term with two one (1) year renewals. Contract Year: 1 2 3 4 5 Annual Fee: C. If there is an additional fee to administer the RFP/RFQ processes for the County’s Flexible Spending Account Administrator and/or EAP Provider, pursuant to Section II.1 of Part B of the Scope of Work, please state that cost. D. Outline any and all performance guarantees and the monetary or other penalties associated with failure to meet such guarantees. In particular, failure to meet deadlines on projects, such as the bid solicitation process, are of significant concern to the County. E. List all possible administrative charges that would not be included in the flat rate fee structure. Option 2 – Annual Consulting Fees where Commissions from Voluntary Insurance Products are credited to the Consultant; commissions from Ancillary (Employer-paid) benefits are credited to the County Under this Option – • Commissions on employee-paid benefits placed by Consultant or for which Consultant is Broker of Record, are credited to Consultant; and • Commissions on County-paid benefits will be credited back to the County in order to offset consulting fees. • To provide for maximum transparency under this Option 2 – o All commissions received by the Consultant must be disclosed to the County; and o The County prefers a cap on the amount of annual compensation (County-paid fees + commissions) that the consultant may receive. A. Provide the annual flat fee retainer to provide consultant services to the County as described in the Scope of Work. B. In the table below, provide the annual flat fee to provide the services described in the Scope of Work, for each year of the contract, based on a three (3) year contract term with two one (1) year renewals. Proposal No. 21-033 Page 22 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx Contract Year: 1 2 3 4 5 Annual Fee: C. If there is an additional fee to administer the RFP/RFQ processes for the County’s Flexible Spending Account Administrator and/or EAP Provider, pursuant to Part B, Section II.1 of the Scope of Work, please state that cost. D. Identify any and all potential commissions associated with the voluntary, employee-paid policies and describe how these commissions will offset your annual fee. For example, what percentage of fees will be offset by commissions? E. Outline any and all performance guarantees and the monetary or other penalties associated with failure to meet such guarantees. In particular, failure to meet deadlines on projects, such as the bid solicitation process, are of significant concern to the County. F. List all possible administrative charges that would not be included in the flat rate fee structure. G. Current annual commissions from employee-paid insurance policies. Please note that there is not enough data on the Accident, Critical Illness, and Hospital Confinement insurance policies to provide meaningful commission information. (a) Term Life (Voya/ReliaStar): Approximately $40,000 per year. (b) Personal Property Insurance (Liberty Mutual): Approximately $12,000 per year. H. Future commissions from the employee-paid insurance policies may be reassigned as follows: (a) Term Life (Voya/ReliaStar): 10% of premiums paid, calculated monthly (b) Accident (Voya/ReliaStar): 15% of premiums paid, calculated monthly (c) Critical Illness (Voya/ReliaStar): 15% of premiums paid, calculated monthly (d) Hospital Confinement (Voya/ReliaStar): 15% of premiums paid, calculated monthly (e) Personal Property Insurance (Liberty Mutual): i) New Business: 3% for payroll-deducted premiums and 2% for non-payroll-deducted premiums ii) Existing Business: 2% for payroll-deducted premiums and 1% for non-payroll-deducted premiums Proposal No. 21-033 Page 23 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx AWARD CRITERIA Selection of the winning bidder will be based on the following criteria. Please note that the list below is not ordered by level of importance; proposals will be judged on how well they meet all of the criteria. COST A. Cost, as submitted in the Cost Proposal section. Please note that the County intends to award the contract to the proposing firm whose proposal is determined to be most advantageous to the County, taking into account both technical merit and price. CAPABILITY AND QUALIFICATIONS A. Completeness of Response: Responses to this RFP must be complete and include all proposal content requirements identified within this RFP and subsequent addenda (if applicable). B. Proposing firm’s inclination and ability to accept the terms and conditions of the model County of Fresno contract. C. The vendor has demonstrated that it has the qualifications, including staff, experience and resources to provide the consultation services requested by the County. D. The service descriptions address all the areas identified in the RFP, including the services as set forth in the Scope of Work that will fulfill County's consultation service needs. E. The vendor has clearly explained its knowledge and understanding of the needs of the County associated with providing the services requested, including: 1. The broad landscape of employee health benefits; 2. Employee Benefits product markets; 3. Applicable laws, regulations, statutes; and 4. Effective operating principles required to provide this consulting service. F. The vendor has current relevant experience in a comparable California County or similar public agency. MANAGEMENT PLAN A. The vendor has demonstrated that its organizational plan and management structure are adequate and appropriate for comprehensive implementation of the requested consultation services. Proposal No. 21-033 Page 24 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx PROPOSAL CONTENT REQUIREMENTS It is required that the vendor submit his/her proposal in accordance with the format and instructions provided under this section. I. RFP PAGE 1 AND ADDENDUM(S) PAGE 1 (IF APPLICABLE) completed and signed by participating individual or agency. II. COVER LETTER: A one-page cover letter and introduction including the company name and address of the bidder and the name, address and telephone number of the person or persons to be used for contact and who will be authorized to make representations for the bidder. A. Whether the bidder is an individual, partnership or corporation shall also be stated. It will be signed by the individual, partner, or an officer or agent of the corporation authorized to bind the corporation, depending upon the legal nature of the bidder. A corporation submitting a proposal may be required before the contract is finally awarded to furnish a certificate as to its corporate existence, and satisfactory evidence as to the officer or officers authorized to execute the contract on behalf of the corporation. III. TABLE OF CONTENTS IV. CONFLICT OF INTEREST STATEMENT: The Contractor may become involved in situations where conflict of interest could occur due to individual or organizational activities that occur within the County. The Contractor must provide a statement addressing the potential, if any, for conflict of interest and indicate plans, if applicable, to address potential conflict of interest. This section will be reviewed by County Counsel for compliance with conflict of interest as part of the review process. The Contractor shall comply with all federal, state and local conflict of interest laws, statutes and regulations. V. TRADE SECRET: A. Sign where required. VI. CERTIFICATION – DISCLOSURE – CRIMINAL HISTORY & CIVIL ACTIONS VII. REFERENCES VIII. PARTICIPATION IX. EXCEPTIONS: This portion of the proposal will note any exceptions to the requirements and conditions taken by the bidder. If exceptions are not noted, the County will assume that the bidder's proposals meet those requirements. The exceptions shall be noted as follows: A. Exceptions to General Conditions. B. Exceptions to General Requirements. C. Exceptions to Specific Terms and Conditions. D. Exceptions to Scope of Work and/or Scope of Work Proposal Requirements. E. Exceptions to Proposal Content Requirements. F. Exceptions to any other part of this RFP. X. VENDOR COMPANY DATA: This section should include: A. A narrative which demonstrates the vendor’s basic familiarity or experience with problems associated with this service/project. B. Descriptions of any similar or related contracts under which the bidder has provided services. C. Descriptions of the qualifications of the individual(s) providing the services. Proposal No. 21-033 Page 25 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx D. Any material (including letters of support or endorsement) indicative of the bidder's capability. E. A brief description of the bidder's current operations, and ability to provide the services. F. Copies of the audited Financial Statements for the last three (3) years for the agency or program that will be providing the service(s) proposed. If audited statements are not available, compiled or reviewed statements will be accepted with copies of three years of corresponding federal tax returns. This information is to be provided after the RFP closes, if requested. Do not provide with your proposal. G. Describe all contracts that have been terminated before completion within the last five (5) years: 1. Agency contract with 2. Date of original contract 3. Reason for termination 4. Contact person and telephone number for agency H. Describe all lawsuit(s) or legal action(s) that are currently pending; and any lawsuit(s) or legal action(s) that have been resolved within the last five (5) years: 1. Location filed, name of court and docket number 2. Nature of the lawsuit or legal action I. Describe any payment problems that you have had with the County within the past three (3) years: 1. Funding source 2. Date(s) and amount(s) 3. Resolution 4. Impact to financial viability of organization. XI. SCOPE OF WORK: A. Bidders are to use this section to describe the essence of their proposal. B. This section should be formatted as follows: 1. A general discussion of your understanding of the project, the Scope of Work proposed and a summary of the features of your proposal. 2. A detailed description of your proposal as it relates to each item listed under the "Scope of Work Proposal Requirements" section of this RFP. Bidder's response should be stated in the same order as are the "Scope of Work Proposal Requirements" items. Each description should begin with a restatement of the "Scope of Work Proposal Requirements" item that it is addressing. Bidders must explain their approach and method of satisfying each of the listed items. C. When reports or other documentation are to be a part of the proposal a sample of each must be submitted. Reports should be referenced in this section and submitted in a separate section entitled "REPORTS." D. A complete description of any alternative solutions or approaches to accomplishing the desired results. XII. COST PROPOSAL: Quotations may be prepared in any manner to best demonstrate the worthiness of your proposal. Include details and rates/fees for all services, materials, equipment, etc. to be provided or optional under the proposal. XIII. CHECK LIST Proposal No. 21-033 Page 26 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx TRADE SECRET ACKNOWLEDGEMENT Each proposal submitted is public record under the California Public Records Act (Cal. Gov. Code, secs. 6250 and following) and is therefore open to inspection by the public as required by Section 6253 of the California Government Code. This section generally states that "every person has a right to inspect any public record". The County will not exclude any proposal or portion of a proposal from treatment as a public record except information that it is properly submitted as a “trade secret” (defined below), and determined by the County to be a “trade secret” (if not otherwise subject to disclosure, as stated below). Information submitted as “proprietary”, “confidential” or under any other terms that might state or suggest restricted public access will not be excluded from treatment as public record. "Trade secrets" as defined by Section 6254.7 of the California Government Code are not treated as a public record under that section. This section defines trade secrets as: "...Trade secrets," as used in this section, may include, but are not limited to, any formula, plan, pattern, process, tool, mechanism, compound, procedure, production data or compilation of information that is not patented, which is known only to certain individuals within a commercial concern who are using it to fabricate, produce, or compound an article of trade or a service having commercial value and which gives its user an opportunity to obtain a business advantage over competitors who do not know or use it." Such information must be submitted in a separate PDF file named "Trade Secret" and marked as “Confidential” in the Public Purchase system. Bidders must include a clear and concise statement that sets out the reasons for confidentiality in accordance with the foregoing definition of “trade secret.” Examples of information not considered trade secrets are pricing, cover letter, promotional materials, references, and the like. Information submitted by a bidder as "trade secret" will be reviewed by County of Fresno's Purchasing Division, with the assistance of the County’s legal counsel, to determine conformance or non-conformance to the foregoing definition. Information that is properly identified as “trade secret” and which the County determines to conform to the definition will not become public record (if not otherwise subject to disclosure, as stated below). The County will safeguard this information in an appropriate manner, provided however, in the event of a request, demand, or legal action by any person or entity seeking access to the “trade secret” information, the County will inform the bidder of such request, demand, or legal action, and the bidder shall defend, indemnify, and hold harmless the County, including its officers and employees, against any and all claims, liabilities, damages, or costs or expenses, including attorney’s fees and costs, relating to such request, demand or legal action, seeking access to the “trade secret” information. Information submitted by bidder as trade secret and determined by the County not to be in conformance with the foregoing California Government Code definition shall be excluded from the proposal and deleted by the County. The County shall not in any way be liable or responsible for the disclosure of any proposals or portions thereof, if (1) they are not electronically submitted in a separate PDF that is marked "Trade Secret" and marked as Confidential in the Public Purchase system; or (2) disclosure thereof is required or allowed under the law or by order of court. Bidders are advised that the County does not wish to receive trade secrets and that bidders are not to supply trade secrets unless they are absolutely necessary. I have read and understand, and agree to the above "Trade Secret Acknowledgement." BIDDER MUST CHECK ONE OF THE FOLLOWING: Has bidder submitted certain bid information that is a “trade secret,” as defined by Section 6254.7 of the California Government Code, and in compliance with the requirements of this Trade Secrets Acknowledgement? By marking “NO”, bidder does not claim any confidentiality of any bid information submitted to the County. _____ YES _____ NO ACKNOWLEDGED AND AGREED BY BIDDER: Signature Date Print Name Title Proposal No. 21-033 Page 27 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx DISCLOSURE – CRIMINAL HISTORY & CIVIL ACTIONS In their proposal, the bidder is required to disclose if any of the following conditions apply to them, their owners, officers, corporate managers and partners (hereinafter collectively referred to as “Bidder”): 1. Within the three-year period preceding the proposal, they have been convicted of, or had a civil judgment rendered against them for: a. fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a public (federal, state, or local) transaction or contract under a public transaction; b. violation of a federal or state antitrust statute; c. embezzlement, theft, forgery, bribery, falsification, or destruction of records; or d. false statements or receipt of stolen property 2. Within a three-year period preceding their proposal, they have had a public transaction (federal, state, or local) terminated for cause or default. Disclosure of the above information will not automatically eliminate a Bidder from consideration. The information will be considered as part of the determination of whether to award the contract and any additional information or explanation that a Bidder elects to submit with the disclosed information will be considered. If it is later determined that the Bidder failed to disclose required information, any contract awarded to such Bidder may be immediately voided and terminated for material failure to comply with the terms and conditions of the award. Any Bidder who is awarded a contract must sign an appropriate Certification Regarding Debarment, Suspension, and Other Responsibility Matters. Additionally, the Bidder awarded the contract must immediately advise the County in writing if, during the term of the agreement: (1) Bidder becomes suspended, debarred, excluded or ineligible for participation in federal or state funded programs or from receiving federal funds as listed in the excluded parties list system (http://www.epls.gov); or (2) any of the above listed conditions become applicable to Bidder. The Bidder will indemnify, defend and hold the County harmless for any loss or damage resulting from a conviction, debarment, exclusion, ineligibility or other matter listed in the signed Certification Regarding Debarment, Suspension, and Other Responsibility Matters. Proposal No. 21-033 Page 28 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx CERTIFICATION REGARDING DEBARMENT, SUSPENSION, AND OTHER RESPONSIBILITY MATTERS - PRIMARY COVERED TRANSACTIONS INSTRUCTIONS FOR CERTIFICATION 1. By signing and submitting this proposal, the prospective primary participant is providing the certification set out below. 2. The inability of a person to provide the certification required below will not necessarily result in denial of participation in this covered transaction. The prospective participant shall submit an explanation of why it cannot provide the certification set out below. The certification or explanation will be considered in connection with the department or agency's determination whether to enter into this transaction. However, failure of the prospective primary participant to furnish a certification or an explanation shall disqualify such person from participation in this transaction. 3. The certification in this clause is a material representation of fact upon which reliance was placed when the department or agency determined to enter into this transaction. If it is later determined that the prospective primary participant knowingly rendered an erroneous certification, in addition to other remedies available to the Federal Government, the department or agency may terminate this transaction for cause or default. 4. The prospective primary participant shall provide immediate written notice to the department or agency to which this proposal is submitted if at any time the prospective primary participant learns that its certification was erroneous when submitted or has become erroneous by reason of changed circumstances. 5. The terms covered transaction, debarred, suspended, ineligible, participant, person, primary covered transaction, principal, proposal, and voluntarily excluded, as used in this clause, have the meanings set out in the Definitions and Coverage sections of the rules implementing Executive Order 12549. You may contact the department or agency to which this proposal is being submitted for assistance in obtaining a copy of those regulations. 6. Nothing contained in the foregoing shall be construed to require establishment of a system of records in order to render in good faith the certification required by this clause. The knowledge and information of a participant is not required to exceed that which is normally possessed by a prudent person in the ordinary course of business dealings. Proposal No. 21-033 Page 29 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx CERTIFICATION (1) The prospective primary participant certifies to the best of its knowledge and belief, that it, its owners, officers, corporate managers and partners: (a) Are not presently debarred, suspended, proposed for debarment, declared ineligible, or voluntarily excluded by any Federal department or agency; (b) Have not within a three-year period preceding this proposal been convicted of or had a civil judgment rendered against them for commission of fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a public (Federal, State or local) transaction or contract under a public transaction; violation of Federal or State antitrust statutes or commission of embezzlement, theft, forgery, bribery, falsification or destruction of records, making false statements, or receiving stolen property; (c) Have not within a three-year period preceding this application/proposal had one or more public transactions (Federal, State or local) terminated for cause or default. (2) Where the prospective primary participant is unable to certify to any of the statements in this certification, such prospective participant shall attach an explanation to this proposal. Signature: Date: (Printed Name & Title) (Name of Agency or Company) Proposal No. 21-033 Page 30 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx REFERENCE LIST VENDOR MUST COMPLETE AND RETURN WITH REQUEST FOR PROPOSAL Firm: Provide a list of at least five (5) customers for whom you have recently provided similar services. If you have held a contract for similar services with the County of Fresno within the past seven (7) years, list the County as one of your customers. Please list the person most familiar with your contract. Be sure to include all requested information. Reference Name: Contact: Address: City: State: Zip: Phone No.: ( ) Project Date: Service Provided: Reference Name: Contact: Address: City: State: Zip: Phone No.: ( ) Project Date: Service Provided: Reference Name: Contact: Address: City: State: Zip: Phone No.: ( ) Project Date: Service Provided: Reference Name: Contact: Address: City: State: Zip: Phone No.: ( ) Project Date: Service Provided: Reference Name: Contact: Address: City: State: Zip: Phone No.: ( ) Project Date: Service Provided: Failure to provide a list of at least five (5) customers may be cause for rejection of this RFP. Proposal No. 21-033 Page 31 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx PARTICIPATION The County of Fresno is a member of the California Association of Public Procurement Officials (CAPPO) Central Valley Chapter. This group consists of Fresno, Kern, Kings, and Tulare Counties and all governmental, tax supported agencies within these counties. Whenever possible, these and other tax supported agencies co-op (piggyback) on contracts put in place by one of the other agencies. Any agency choosing to avail itself of this opportunity, will make purchases in their own name, make payment directly to the contractor, be liable to the contractor and vice versa, per the terms of the original contract, all the while holding the County of Fresno harmless. If awarded this contract, please indicate whether you would extend the same terms and conditions to all tax supported agencies within this group as you are proposing to extend to Fresno County. * Note: This form/information is not rated or ranked for evaluation purposes. Yes, we will extend contract terms and conditions to all qualified agencies within the California Association of Public Procurement Officials (CAPPO) Central Valley Chapter and other tax supported agencies. No, we will not extend contract terms to any agency other than the County of Fresno. (Authorized Signature) Title Proposal No. 21-033 Page 32 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx CHECK LIST This Checklist is provided to assist vendors in the preparation of their RFP response. Included are important requirements the bidder is responsible to submit with the RFP package in order to make the RFP compliant. Check off each of the following (if applicable): 1. Signed cover page of Request for Proposal (RFP). 2. Check http://www.FresnoCountyCA.gov/departments/internal-services/purchasing/bid- opportunities for any addenda. 3. Signed cover page of each Addendum. 4. Provide a Conflict of Interest Statement. 5. Signed Trade Secret Form as provided with this RFP (Trade Secret Information, if provided, must be electronically submitted in a separate PDF file and marked as Confidential). 6. Signed Criminal History Disclosure Form as provided with this RFP. 7. Signed Participation Form as provided with this RFP. 8. The completed Reference List as provided with this RFP. 9. Complete 5 year Cost Proposal. 10. Indicate all of bidder exceptions to the County’s requirements, conditions and specifications as stated within this RFP. Return Checklist with your RFP response Proposal No. 21-033 Page 33 G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx EXHIBITS A. Health Plan Enrollment B. Employee Paid Benefits C. Activities D. COBRA Booklet E. Retiree Booklet F. 2021 SJVIA Health Plan Agreement Agenda Item G. Model County Agreement H. Agreement With Keenan and Associates Active Employees Active Enrollment Dependent Enrollment Total Enrollment Retirees Active Enrollment Dependent Enrollment Total Enrollment Plan & Enrollment Tier Plan & Enrollment Tier Employee Only 1600 Retiree Only 80 Employee + Spouse 284 Retiree + Spouse 10 Employee + Children 824 Retiree + Children 5 Employee + Family 286 Retiree + Family 5 Active Kaiser HMO Subtotal 2994 1599 4593 Retiree Anthem HDPPO Subtotal 100 37 137 Employee Only 1476 Retiree Only 349 Employee + Spouse 128 Retiree + Spouse 94 Employee + Children 489 Retiree Medicare - RetireeFirst SubTotal 443 94 537 Employee + Family 133 Active Anthem EPO Subtotal 2226 2966 5192 Retiree Only 198 Retiree + Spouse 63 Employee Only 58 Retiree Medicare - Kaiser High Subtotal 261 64 325 Employee + Spouse 4 Employee + Children 3 Employee + Family 2 Retiree Only 43 Active Anthem PPO $250 Subtotal 67 15 82 Retiree + Spouse 14 Retiree Medicare - Kaiser Low Subtotal 57 14 71 Employee Only 32 Employee + Spouse 3 Employee + Children 3 Primary Dependents Total Employee + Family 1 6810 4876 11686 Active Anthem PPO $1000 Subtotal 39 11 50 Employee Only 29 Employee + Spouse 2 Employee + Children 1 Employee + Family 1 Active Anthem HDPPO $1500 Subtotal 33 7 40 Employee Only 550 Employee + Spouse 14 Employee + Children 19 Employee + Family 7 Active Anthem HDPPO $3000 Subtotal 590 69 659 Retiree Medicare - Kaiser Low Combined Total Enrollment - Active Actives SJVIA/Anthem PPO $1000 Actives SJVIA/Anthem HDPPO $3000 HEALTH PLAN ENROLLMENT (Beginning of Plan Year 2021) Actives SJVIA/Kaiser HMO Retiree Anthem HDPPO Retiree Medicare - RetireeFirst Retiree Medicare - Kaiser High Actives SJVIA/Anthem EPO Actives SJVIA/Anthem PPO $250 Actives SJVIA/Anthem HDPPO $1500 RFP 21-033 EXHIBIT A Disability Insurance Vendor Enrollment Annual Premium Short-term Disability Insurance EDD 6,392 n/a Life Insurance Vendor Enrollment Annual Premium Employee Term Life Insurance Voya 2070 $487,767 Spouse Term Life Insurance Voya 854 $109,332 Child Term Life Insurance Voya 1099 $18,463 Total Life:4023 $615,562 Other Voluntary Insurance Vendor Enrollment Annual Premium Personal Property Insurance Liberty Mutual 676 $1,839,122 Critical Illness Insurance Voya 318 $79,426 Accident Insurance Voya 299 $41,911 Hospital Confinement Insurance Voya 183 $56,238 Disability Insurance Vendor Enrollment Volume Long-term Disability Insurance Met Life 627 n/a Life and AD&D Vendor Enrollment Volume Basic Life - Class 1 Voya 5915 $59,150,000 Basic AD&D - Class 1 Voya 5915 $59,150,000 Basic Life - Class 2 Voya 295 $15,045,000 Basic AD&D - Class 2 Voya 295 $15,045,000 Basic Life - Class 3 Voya 315 $78,750,000 Basic AD&D - Class 3 Voya 315 $78,750,000 Flexible Spending Accounts Vendor Enrollment Volume Health Care FSA Navia Benefit Solutions 1630 $2,263,207 Dependent Care FSA Navia Benefit Solutions 78 $259,336 Parking/Transit FSA Navia Benefit Solutions 33 $57,950 Total FSA:1741 $2,580,493 Employer-paid Benefits Employee-paid Benefits RFP 21-033 EXHIBIT B RFP 21-033 Exhibit C COUNTY OF FRESNO | OPEN ENROLLMENT | PLAN YEAR 2021 OPEN ENROLLMENT CONTENTS WůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐďLJƉŚŽŶĞĂƚ;ϱϱϵͿϲϬϬ- ϭϴϭϬ Žƌ ďLJ ĞŵĂŝů ƚŽ ,ZĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ͘ ĚĚŝƟŽŶĂůůLJ͕LJŽƵĐĂŶǀŝƐŝƚƚŚĞKƉĞŶ ŶƌŽůůŵĞŶƚǁĞďƐŝƚĞĂƚ ǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ͘ dŚĞ ƐŝƚĞ ŝŶĐůƵĚĞƐ ƌĂƚĞƐ͕ĨŽƌŵƐ͕ĚĞƚĂŝůĞĚƐƵŵŵĂƌŝĞƐ͕ĂŶĚŵƵĐŚŵŽƌĞ͊ QUESTIONS? 2 KƉĞŶ ŶƌŽůůŵĞŶƚ 2 /ŵƉŽƌƚĂŶƚZĞŵŝŶĚĞƌƐ 3 ŝǁĞĞŬůLJWƌĞŵŝƵŵƐ 4 ĞŶƚĂůŽǀĞƌĂŐĞ 4 sŝƐŝŽŶŽǀĞƌĂŐĞ 5 DĞĚŝĐĂůŽǀĞƌĂŐĞ 5 WƌĞƐĐƌŝƉƟŽŶŽǀĞƌĂŐĞ 7 &ůĞdžŝďůĞ^ƉĞŶĚŝŶŐ ĐĐŽƵŶƚƐ;&^Ϳ 8 ^ƵƉƉůĞŵĞŶƚĂů>ŝĨĞ /ŶƐƵƌĂŶĐĞ EMPLOYEES 9 sŽůƵŶƚĂƌLJĞŶĞĮƚƐ 11 &ƌĞƋƵĞŶƚůLJƐŬĞĚ YƵĞƐƟŽŶƐ 12 KƚŚĞƌKƉƟŽŶƐƚŽ ^ĞĞŬĂƌĞ CONTENTS OPEN ENROLLMENT KƉĞŶ ŶƌŽůůŵĞŶƚ ŝƐ ƚŚĞ ŽŶĞ ƟŵĞ ĚƵƌŝŶŐ ƚŚĞ LJĞĂƌ ƚŚĂƚ LJŽƵ ŵĂLJ ŵĂŬĞ ĐŚĂŶŐĞƐ ƚŽ LJŽƵƌ ŚĞĂůƚŚ ŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞ͕ĞŶƌŽůů͕ŽƉƚŽƵƚ͕ƌĞŵŽǀĞĂŶĚĞŶƌŽůůĚĞƉĞŶĚĞŶƚƐǁŝƚŚŽƵƚĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ͕ĂŶĚ ĞŶƌŽůůŝŶƚŚĞŚĞĂůƚŚĂŶĚͬŽƌĚĞƉĞŶĚĞŶƚĐĂƌĞŇĞdžŝďůĞƐƉĞŶĚŝŶŐĂĐĐŽƵŶƚ;ƐͿĨŽƌƚŚĞϮϬϮϭƉůĂŶLJĞĂƌ͘/Ŷ ĂĚĚŝƟŽŶ͕ĞŵƉůŽLJĞĞƐŵĂLJĞŶƌŽůůŝŶƐƵƉƉůĞŵĞŶƚĂůůŝĨĞŝŶƐƵƌĂŶĐĞ͕ĂƐǁĞůůĂƐƚŚƌĞĞŶĞǁǀŽůƵŶƚĂƌLJďĞŶĞĮƚƐ͗ ĐĐŝĚĞŶƚ/ŶƐƵƌĂŶĐĞ͕ƌŝƟĐĂů/ůůŶĞƐƐ/ŶƐƵƌĂŶĐĞ͕ĂŶĚ,ŽƐƉŝƚĂůŽŶĮŶĞŵĞŶƚ/ŶĚĞŵŶŝƚLJ/ŶƐƵƌĂŶĐĞ͘ /ĨLJŽƵĚĞĐŝĚĞƚŽŶŽƚŵĂŬĞĂŶLJĐŚĂŶŐĞƐŽƌŝĨLJŽƵĂƌĞŶŽƚďĞŐŝŶŶŝŶŐŽƌŵĂŝŶƚĂŝŶŝŶŐŽƉƚŽƵƚƐƚĂƚƵƐ͕ ƚŚĞŶŶŽĂĐƟŽŶŝƐƌĞƋƵŝƌĞĚŽŶLJŽƵƌƉĂƌƚĂŶĚLJŽƵǁŝůůƌĞŵĂŝŶĞŶƌŽůůĞĚŝŶLJŽƵƌĐƵƌƌĞŶƚŚĞĂůƚŚƉůĂŶ ĞůĞĐƟŽŶƐ͘dŽƌĞǀŝĞǁƚŚĞϮϬϮϭƌĂƚĞƐ͕ƉůĞĂƐĞƐĞĞƉĂŐĞϯ͘dŚĞŶĞǁƌĂƚĞƐ͕ĂůŽŶŐǁŝƚŚĂŶLJƉůĂŶĐŚĂŶŐĞƐ LJŽƵŵĂŬĞ͕ĂƌĞĞīĞĐƟǀĞĞĐĞŵďĞƌϭϰ͕ϮϬϮϬ͘zŽƵǁŝůůƐĞĞƚŚĞĮƌƐƚĚĞĚƵĐƟŽŶƐĨŽƌƚŚĞϮϬϮϭƉůĂŶLJĞĂƌ ŽŶLJŽƵƌ:ĂŶƵĂƌLJϴ͕ϮϬϮϭƉĂLJĐŚĞĐŬ͘ October 12 - November 6, 2020 IMPORTANT REMINDERS How to Enroll/Make Changes >ŽŐŝŶ ƚŽǁǁǁ͘ŵLJǁŽƌŬƉůĂĐĞ͘ŶĞƚŽŶ ĂŶLJ ĐŽŵƉƵƚĞƌŽƌĚĞǀŝĐĞƵƐŝŶŐŽŶĞŽĨƚŚĞƐƵƉƉŽƌƚĞĚ ďƌŽǁƐĞƌƐ͘ /Ĩ ĂƉƉůŝĐĂďůĞ͕ ƐƵďŵŝƚ ĂŶLJ ƌĞƋƵŝƌĞĚ ƐƵƉƉŽƌƟŶŐ ĚŽĐƵŵĞŶƚĂƟŽŶ ƚŽ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ͘ 2021 Opt Outs ůůĞŵƉůŽLJĞĞƐǁŚŽǁŝƐŚƚŽŽƉƚŽƵƚĚƵƌŝŶŐƚŚĞ ϮϬϮϭ ƉůĂŶ LJĞĂƌ ;ŝŶĐůƵĚŝŶŐ ƚŚŽƐĞ ƚŚĂƚ ĂƌĞ ĐƵƌͲ ƌĞŶƚůLJ ŽƉƚĞĚ ŽƵƚͿ͕ ŵƵƐƚ ƐƵďŵŝƚ Ă ĐŽŵƉůĞƚĞĚ ϮϬϮϭ KƉƚ KƵƚ ĂŶĚ ƉƌŽǀŝĚĞ ĐƵƌƌĞŶƚ͕ ǁƌŝƩĞŶ ƉƌŽŽĨ ŽĨ ŽƚŚĞƌ ĞŵƉůŽLJĞƌ-ƐƉŽŶƐŽƌĞĚ ŐƌŽƵƉ ŚĞĂůƚŚĐŽǀĞƌĂŐĞ͘WƌŽŽĨƐƵďŵŝƩĞĚŵƵƐƚŝŶĐůƵĚĞ ƚŚĞĞŵƉůŽLJĞĞ͛ƐŶĂŵĞĂŶĚŝƐƐƵďũĞĐƚƚŽĂƉƉƌŽǀĂů ŽĨ ŵƉůŽLJĞĞĞŶĞĮƚƐƐƚĂī͘ Submission ůůƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐŵƵƐƚďĞƌĞĐĞŝǀĞĚďLJ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ Žƌ ƵƉůŽĂĚĞĚ ƚŽ ǁǁǁ͘ŵLJǁŽƌŬƉůĂĐĞ͘ŶĞƚŶŽ ůĂƚĞƌ ƚŚĂŶϱ͗ϬϬƉŵ ŽŶ &ƌŝĚĂLJ͕ EŽǀĞŵďĞƌ ϲ͕ ϮϬϮϬ͘ KŶĐĞ KƉĞŶ ŶƌŽůůŵĞŶƚ ĐůŽƐĞƐ͕ ƉůĂŶ ĐŚĂŶŐĞƐ ǁŝůů ŽŶůLJ ďĞ ƉĞƌŵŝƩĞĚŝĨLJŽƵĞdžƉĞƌŝĞŶĐĞĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ ĂƐ ĚĞĮŶĞĚ ďLJ ƚŚĞ /Z^ ĂŶĚ ĚĞƚĂŝůĞĚ ŝŶ ŽƵƌ ĐĂĨĞƚĞƌŝĂƉůĂŶĚŽĐƵŵĞŶƚ͘&ŽƌŵŽƌĞŝŶĨŽƌŵĂƟŽŶ ŽŶƋƵĂůŝĨLJŝŶŐĞǀĞŶƚƐ͕ƉůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ͘ Flexible Spending Accounts (FSA) EĂǀŝĂ ĞŶĞĮƚ ^ŽůƵƟŽŶƐ ǁŝůů ĐŽŶƟŶƵĞ ƚŽ ĂĚŵŝŶŝƐƚĞƌ ƚŚĞ &^Ɛ ĨŽƌ ƚŚĞ ϮϬϮϭ ƉůĂŶ LJĞĂƌ͘ WůĞĂƐĞŶŽƚĞ͗zŽƵŵƵƐƚƌĞ-ĞŶƌŽůůŝŶŚĞĂůƚŚĂŶĚͬ Žƌ ĚĞƉĞŶĚĞŶƚ ĚĂLJĐĂƌĞ &^ ĞǀĞƌLJ LJĞĂƌ ŝĨ LJŽƵ ǁŝƐŚƚŽĐŽŶƟŶƵĞƉĂƌƟĐŝƉĂƟŽŶŝŶƚŚĞƉƌŽŐƌĂŵ͘ zŽƵ ĂƌĞ ŶŽƚ ĂƵƚŽŵĂƟĐĂůůLJ ƌĞ-ĞŶƌŽůůĞĚ͘ &Žƌ ĂĚĚŝƟŽŶĂůŝŶĨŽƌŵĂƟŽŶ͕ƐĞĞƉĂŐĞϳ͘ Ϯ ATTENTION: Due to COVID-19, the Employee Benefits office is CLOSED to walk-ins. IMPORTANT DATES W>Eϭ W>EϮ W>Eϯ DĞĚŝĐĂůͬDĞŶƚĂů,ĞĂůƚŚ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ ,DK ŶƚŚĞŵůƵĞƌŽƐƐ WK ŶƚŚĞŵůƵĞƌŽƐƐ WWKϮϱϬ WƌĞƐĐƌŝƉƟŽŶ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ ŵƉŝZdž ŵƉŝZdž sŝƐŝŽŶ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ ĞŶƚĂůWůĂŶƐ ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK DW>Kz K^d DW>Kz K^d DW>Kz K^d ŵƉůŽLJĞĞKŶůLJ ΨϳϮ͘Ϯϵ Ψϲϭ͘ϳϮ ΨϳϮ͘Ϯϵ Ψϲϭ͘ϳϮ ΨϮϭϯ͘ϭϯ ΨϮϬϮ͘ϱϲ ŵƉůŽLJĞĞн^ƉŽƵƐĞ ΨϯϭϮ͘ϱϲ ΨϮϵϳ͘ϰϴ ΨϯϭϮ͘ϱϲ ΨϮϵϳ͘ϰϴ ΨϳϮϰ͘ϯϰ ΨϳϬϵ͘Ϯϲ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ ΨϮϭϱ͘Ϯϭ ΨϮϬϱ͘Ϭϰ ΨϮϭϱ͘Ϯϭ ΨϮϬϱ͘Ϭϰ Ψϲϭϭ͘Ϯϴ ΨϲϬϭ͘ϭϭ ŵƉůŽLJĞĞн&ĂŵŝůLJ Ψϱϱϰ͘ϵϭ Ψϱϯϵ͘ϯϵ Ψϱϱϰ͘ϵϭ Ψϱϯϵ͘ϯϵ Ψϭ͕ϭϳϮ͘Ϭϳ Ψϭ͕ϭϱϲ͘ϱϱ W>Eϰ W>Eϱ W>Eϲ DĞĚŝĐĂůͬDĞŶƚĂů,ĞĂůƚŚ ŶƚŚĞŵůƵĞƌŽƐƐ WWKϭϬϬϬ ŶƚŚĞŵůƵĞƌŽƐƐ ,WWKϭϱϬϬ ŶƚŚĞŵůƵĞƌŽƐƐ ,WWKϯϬϬϬ WƌĞƐĐƌŝƉƟŽŶ ŵƉŝZdž ŶƚŚĞŵůƵĞƌŽƐƐ ŶƚŚĞŵůƵĞƌŽƐƐ sŝƐŝŽŶ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ ĞŶƚĂůWůĂŶƐ ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK DW>Kz K^d DW>Kz K^d DW>Kz K^d ŵƉůŽLJĞĞKŶůLJ Ψϳϭ͘ϵϯ Ψϲϭ͘ϯϲ Ψϯϯ͘ϴϴ ΨϮϯ͘ϯϭ ΨϬ͘ϬϬ ΨϬ͘ϬϬ ŵƉůŽLJĞĞн^ƉŽƵƐĞ ΨϰϮϳ͘ϵϱ ΨϰϭϮ͘ϴϳ Ψϯϰϴ͘Ϭϲ ΨϯϯϮ͘ϵϴ ΨϮϭϮ͘ϭϱ Ψϭϵϳ͘Ϭϳ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ ΨϯϰϮ͘ϳϱ ΨϯϯϮ͘ϱϴ ΨϮϳϬ͘ϯϴ ΨϮϲϬ͘Ϯϭ Ψϭϰϭ͘Ϯϭ Ψϭϯϭ͘Ϭϰ ŵƉůŽLJĞĞн&ĂŵŝůLJ ΨϳϲϮ͘ϱϵ Ψϳϰϳ͘Ϭϳ ΨϲϱϮ͘Ϯϯ Ψϲϯϲ͘ϳϭ Ψϰϱϰ͘ϳϭ Ψϰϯϵ͘ϭϵ ELIGIBLE DEPENDENTS Eligible Dependents Required Document(s) ^ƉŽƵƐĞ ĞƌƟĮĞĚDĂƌƌŝĂŐĞĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚ ŽŵĞƐƟĐWĂƌƚŶĞƌ ĞĐůĂƌĂƟŽŶŽĨŽŵĞƐƟĐWĂƌƚŶĞƌƐŚŝƉĮůĞĚǁŝƚŚƚŚĞĂůŝĨŽƌŶŝĂ^ĞĐƌĞƚĂƌLJŽĨ^ƚĂƚĞ ŚŝůĚ ĞƌƟĮĞĚŝƌƚŚĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚ ĚŽƉƚĞĚŚŝůĚ ĚŽƉƟŽŶKƌĚĞƌŽƌƚŚĞĞƌƟĮĞĚŝƌƚŚĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚ ^ƚĞƉŚŝůĚ ĞƌƟĮĞĚŝƌƚŚĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚĂŶĚĂĞƌƟĮĞĚDĂƌƌŝĂŐĞĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚͬĞĐůĂƌĂƟŽŶŽĨŽŵĞƐƟĐWĂƌƚŶĞƌƐŚŝƉƐŚŽǁŝŶŐLJŽƵƌƐƉŽƵƐĞͬƌĞŐŝƐƚĞƌĞĚĚŽŵĞƐƟĐƉĂƌƚŶĞƌĂƐƚŚĞĐŚŝůĚ͛ƐƉĂƌĞŶƚ ŚŝůĚŽĨ>ĞŐĂů'ƵĂƌĚŝĂŶƐŚŝƉ >ĞƩĞƌƐŽĨ'ƵĂƌĚŝĂŶƐŚŝƉĮůĞĚǁŝƚŚƚŚĞĐŽƵƌƚƐ WůĞĂƐĞŶŽƚĞ͗ƚŚĞƌĞƋƵŝƌĞĚĚŽĐƵŵĞŶƚƐůŝƐƚĞĚĂďŽǀĞŵƵƐƚďĞƐƵďŵŝƩĞĚĞĂĐŚƟŵĞĂĚĞƉĞŶĚĞŶƚŝƐĂĚĚĞĚƚŽLJŽƵƌŚĞĂůƚŚŝŶƐƵƌĂŶĐĞ͕ ƌĞŐĂƌĚůĞƐƐŝĨƚŚĞĚĞƉĞŶĚĞŶƚŚĂƐďĞĞŶĐŽǀĞƌĞĚƵŶĚĞƌLJŽƵƌƉůĂŶƉƌĞǀŝŽƵƐůLJ͘ ĞůŽǁŝƐĂůŝƐƚŽĨĞůŝŐŝďůĞĚĞƉĞŶĚĞŶƚƐĂŶĚƚŚĞƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐƌĞƋƵŝƌĞĚƚŽĞŶƌŽůůƚŚĞŵŝŶƚŽ LJŽƵƌŚĞĂůƚŚŝŶƐƵƌĂŶĐĞƉůĂŶ͘ĞƉĞŶĚĞŶƚĐŚŝůĚƌĞŶĂƌĞĞůŝŐŝďůĞƵŶƟůƚŚĞLJƌĞĂĐŚϮϲLJĞĂƌƐŽĨĂŐĞ͘ BIWEEKLY PREMIUMS dŚĞƌĂƚĞƐďĞůŽǁĂƉƉůLJƚŽĂƌŐĂŝŶŝŶŐhŶŝƚƐϮ͕ϳ͕ϭϬ͕ϭϭ͕ϭϯ͕ϭϵ͕Ϯϱ͕ϯϬ͕ϯϭ͕ϯϵ͕ϰϮ͕ϰϯ͕ĂƐǁĞůůĂƐhEZ͕ D'd͕^D'͕,^͕ĂŶĚ >ĞŵƉůŽLJĞĞƐ͘ϭdŚĞƐĞƌĂƚĞƐŝŶĐůƵĚĞƚŚĞĨŽůůŽǁŝŶŐĞŵƉůŽLJĞƌĐŽŶƚƌŝďƵƟŽŶƐ͗ ͻ ŵƉůŽLJĞĞKŶůLJ͗ΨϯϲϴͻWůƵƐ^ƉŽƵƐĞ͗ΨϰϳϴͻWůƵƐŚŝůĚƌĞŶ͗ΨϰϳϴͻWůƵƐ&ĂŵŝůLJ͗Ψϰϴϯ ŵƉůŽLJĞĞƉƌĞŵŝƵŵĐŽƐƚƐĨŽƌƉůĂŶLJĞĂƌϮϬϮϭϮ͗ ϭĂƌŐĂŝŶŝŶŐhŶŝƚƐϯ͕ϰ͕ϭϮ͕ϮϮ͕ĂŶĚϯϲĂƌĞƉĞŶĚŝŶŐĂƉƉƌŽǀĂů͘WůĞĂƐĞĐŽŶƚĂĐƚLJŽƵƌďĂƌŐĂŝŶŝŶŐƵŶŝƚƌĞƉƌĞƐĞŶƚĂƟǀĞĨŽƌĂĚĚŝƟŽŶĂů ŝŶĨŽƌŵĂƟŽŶ͘ ϮdŚĞƐĞƌĂƚĞƐĚŽŶŽƚĂƉƉůLJƚŽƉĂƌƚ-ƟŵĞĞŵƉůŽLJĞĞƐǁŚŽĂƌĞĞůŝŐŝďůĞĨŽƌŚĞĂůƚŚŝŶƐƵƌĂŶĐĞ͘&ŽƌĂĐŽƉLJŽĨƉĂƌƚ-ƟŵĞƌĂƚĞƐ͕ƉůĞĂƐĞǀŝƐŝƚƚŚĞ KƉĞŶ ŶƌŽůůŵĞŶƚǁĞďƐŝƚĞĂƚǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚŽƌĐĂůů ŵƉůŽLJĞĞĞŶĞĮƚƐĂƚ;ϱϱϵͿϲϬϬ-ϭϴϭϬ͘ DENTAL COVERAGE ϰ Äã½ ½ãÄã½WWK ½ãÙh^,DK ŶŶƵĂůĞĚƵĐƚŝďůĞ ΨϱϬWĞƌWĞƌƐŽŶͬΨϭϱϬWĞƌ&ĂŵŝůLJ ;ĂůĞŶĚĂƌLJĞĂƌͿ EŽĞĚƵĐƚŝďůĞ DĂdžŝŵƵŵĞŶĞĨŝƚƐ ΨϮ͕ϱϬϬWĞƌWĞƌƐŽŶWĞƌzĞĂƌ EŽŶŶƵĂůDĂdžŝŵƵŵ WƌĞǀĞŶƚŝǀĞ^ĞƌǀŝĐĞƐ ϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϭϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ĂƐŝĐ^ĞƌǀŝĐĞƐ ϭϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϭϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ŽƉĂLJŵĂLJďĞƌĞƋƵŝƌĞĚĨŽƌ ƵƉŐƌĂĚĞĚŵĂƚĞƌŝĂůƐͬƐĞƌǀŝĐĞƐ DĂũŽƌ^ĞƌǀŝĐĞƐ ;/ŶĐůƵĚĞƐWĞƌŝŽĚŽŶƟĐ͕ ŶĚŽĚŽŶƟĐ͕ĂŶĚKƌĂů^ƵƌŐĞƌLJͿ ϱϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϱϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ŽƉĂLJŵĂLJďĞƌĞƋƵŝƌĞĚĨŽƌ ƵƉŐƌĂĚĞĚŵĂƚĞƌŝĂůƐͬƐĞƌǀŝĐĞƐ KƌƚŚŽĚŽŶƚŝĂŚŝůĚ ĚƵůƚ Ψϭ͕ϲϲϬŽƉĂLJ Ψϭ͕ϴϴϬŽƉĂLJ KŶĐĞƉĞƌůŝĨĞƚŝŵĞ DĂdžϮϰŵŽŶƚŚƐŽĨƚƌĞĂƚŵĞŶƚ Ψϭ͕ϳϬϬŽƉĂLJ Ψϭ͕ϵϬϬŽƉĂLJ WƌĞ-ĂŶĚƉŽƐƚ-ƚƌĞĂƚŵĞŶƚƐĞƌǀŝĐĞƐ ŚĂǀĞĂĚĚŝƚŝŽŶĂůĐŽƉĂLJŵĞŶƚƐ 'ŽŽĚŽƌĂůŚLJŐŝĞŶĞŝƐŝŵƉŽƌƚĂŶƚƚŽLJŽƵƌŽǀĞƌĂůůŚĞĂůƚŚ͘dŚĞŽƵŶƚLJŽĨ&ƌĞƐŶŽŽīĞƌƐƚǁŽ;ϮͿĐŚŽŝĐĞƐŝŶ ĚĞŶƚĂůƉůĂŶƐ͗ĞůƚĂĞŶƚĂůWWK͕ǁŚŝĐŚŝƐĂĨĞĞ-ĨŽƌ-ƐĞƌǀŝĐĞƉůĂŶǁŝƚŚƚŚĞďĞƐƚĚŝƐĐŽƵŶƚƐƉƌŽǀŝĚĞĚ ǁŝƚŚŝŶƚŚĞĞůƚĂĞŶƚĂůWWKŶĞƚǁŽƌŬ͖ĂŶĚĞůƚĂĂƌĞh^,DKǁŚŝĐŚŚĂƐƐĞƚĐŽƉĂLJƐĨŽƌƐĞƌǀŝĐĞƐ ǁŚĞŶƉƌŽǀŝĚĞĚďLJLJŽƵƌƉƌŝŵĂƌLJĐĂƌĞĚĞŶƟƐƚ͘ s®Ý®ÊÄ;/Ä-EãóÊÙ»Ϳ s^W <®ÝÙ džĂŵŽƉĂLJͬ&ƌĞƋƵĞŶĐLJ ΨϭϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ŽŶƚĂĐƚůůŽǁĂŶĐĞͬ&ƌĞƋƵĞŶĐLJ ΨϭϱϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ &ƌĂŵĞůůŽǁĂŶĐĞͬ&ƌĞƋƵĞŶĐLJ ΨϭϱϬͬ ǀĞƌLJϮϰDŽŶƚŚƐ >ĞŶƐĞƐŽƉĂLJͬ&ƌĞƋƵĞŶĐLJ ^ŝŶŐůĞsŝƐŝŽŶ >ŝŶĞĚŝĨŽĐĂů >ŝŶĞĚdƌŝĨŽĐĂů ^ƚĂŶĚĂƌĚWƌŽŐƌĞƐƐŝǀĞ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ Ψϱϱͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϭϳϱůůŽǁĂŶĐĞͬ ǀĞƌLJϮϰŵŽŶƚŚƐ VISION COVERAGE LJĞĞdžĂŵƐƐƵƉƉŽƌƚĞLJĞĂŶĚŽǀĞƌĂůů ŚĞĂůƚŚ͘/ƚŝƐŝŵƉŽƌƚĂŶƚƚŽŚĂǀĞĂŶ ĞdžĂŵŽŶĐĞĂLJĞĂƌƚŽĞŶƐƵƌĞƚŚĂƚ LJŽƵƌĞLJĞƐĂƌĞŚĞĂůƚŚLJ͘/ĨLJŽƵĂƌĞŝŶ ĂŶŶƚŚĞŵŚĞĂůƚŚƉůĂŶ͕LJŽƵƌǀŝƐŝŽŶ ŝŶƐƵƌĂŶĐĞŝƐƚŚƌŽƵŐŚsŝƐŝŽŶ^ĞƌǀŝĐĞ WůĂŶ ;s^WͿ͘ <ĂŝƐĞƌ WĞƌŵĂŶĞŶƚĞ ŵĞŵďĞƌƐ ŚĂǀĞ ǀŝƐŝŽŶ ĐŽǀĞƌĂŐĞ ƚŚƌŽƵŐŚ <ĂŝƐĞƌ ĚŝƌĞĐƚůLJ͘ <ĂŝƐĞƌ ŵĞŵďĞƌƐŵƵƐƚĂĐĐĞƐƐƐĞƌǀŝĐĞƐĂƚĂ <ĂŝƐĞƌ ĨĂĐŝůŝƚLJ͕ ƵŶůĞƐƐ ŽƚŚĞƌǁŝƐĞ ĂƉƉƌŽǀĞĚďLJ<ĂŝƐĞƌ͘ D®½ <®ÝÙWÙÃÄÄã ,DK Äã«Ã WK ;®Ä-ÄãóÊÙ»ÊĽùͿ /ŶĚŝǀŝĚƵĂůĞĚƵĐƚŝďůĞ ΨϬ ΨϬ &ĂŵŝůLJĞĚƵĐƚŝďůĞ ΨϬ ΨϬ /ŶĚŝǀŝĚƵĂůKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž Ψϭ͕ϬϬϬ Ψϭ͕ϬϬϬ &ĂŵŝůLJKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž ΨϮ͕ϬϬϬ ΨϮ͕ϬϬϬ WƌĞǀĞŶƚŝǀĞĂƌĞ ΨϬ ΨϬ KĨĨŝĐĞsŝƐŝƚŽƉĂLJ Ψϭϱ Ψϭϱ ŵĞƌŐĞŶĐLJZŽŽŵsŝƐŝƚ ΨϭϬϬ ΨϭϬϬ /ŶƉĂƚŝĞŶƚ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ ΨϬ ΨϬ y-ƌĂLJĂŶĚ>Ăď ;ƐŝŵƉůĞ͕ŶŽŶ-ĚŝĂŐŶŽƐƚŝĐͿ ΨϬ ΨϬ ŚŝƌŽƉƌĂĐƚŝĐ ΨϭϬ ΨϭϬ DÄã½,½ã« <®ÝÙWÙÃÄÄã Äã«Ã½çÙÊÝÝ /ŶƉĂƚŝĞŶƚ ΨϬ ΨϬ KƵƚƉĂƚŝĞŶƚ Ψϭϱ Ψϭϱ W«ÙÃù <®ÝÙWÙÃÄÄã ÃÖ®Zø 'ĞŶĞƌŝĐ ΨϭϬ ΨϭϬ WƌĞĨĞƌƌĞĚ ΨϮϬ ΨϮϬ EŽŶ-WƌĞĨĞƌƌĞĚ Eͬ Ψϯϱ KƵƚƉĂƚŝĞŶƚ^ƵƌŐĞƌLJ Ψϭϱ ΨϬ Äã«ÃWWKϮϱϬ ;®Ä-ÄãóÊÙ»Ϳ ΨϮϱϬͬWůĂŶzĞĂƌ ΨϱϬϬͬWůĂŶzĞĂƌ Ψϯ͕ϬϬϬ Ψϱ͕ϬϬϬ ΨϬϭ ΨϮϬϭ ΨϭϬϬ ΨϬ ΨϬ ΨϬ ΨϬ Äã«Ã½çÙÊÝÝ ΨϬ ΨϮϬϭ ÃÖ®Zø ΨϭϬ ΨϮϬ Ψϯϱ MEDICAL & PRESCRIPTION COVERAGE ŚŽŽƐŝŶŐĂŵĞĚŝĐĂůƉůĂŶƚŚĂƚŝƐƌŝŐŚƚĨŽƌLJŽƵĂŶĚLJŽƵƌĨĂŵŝůLJŝƐĂŶŝŵƉŽƌƚĂŶƚĚĞĐŝƐŝŽŶ͘dŚĞŽƵŶƚLJŽĨ &ƌĞƐŶŽŽīĞƌƐƐŝdž;ϲͿĚŝīĞƌĞŶƚƉůĂŶƐƚŽĂůůŽǁLJŽƵƚŽƐĞůĞĐƚƚŚĞĐŽǀĞƌĂŐĞƚŚĂƚďĞƐƚŵĞĞƚƐLJŽƵƌŶĞĞĚƐ͘ ϭĞĚƵĐƟďůĞtĂŝǀĞĚ͘ ϮKŶĞŵĞŵďĞƌŵĂLJďĞƌĞƐƉŽŶƐŝďůĞĨŽƌƵƉƚŽΨϮ͕ϴϬϬŽĨƚŚĞĚĞĚƵĐƟďůĞďĞĨŽƌĞƉůĂŶƐƚĂƌƚƐĐŽŶƚƌŝďƵƟŶŐĨŽƌƚŚĂƚŵĞŵďĞƌ͘^ƵďƐĞƋƵĞŶƚ ŵĞŵďĞƌƐĂƌĞƌĞƐƉŽŶƐŝďůĞĨŽƌƌĞŵĂŝŶŝŶŐΨϮϬϬďĞĨŽƌĞƉůĂŶƐƚĂƌƚƐĐŽŶƚƌŝďƵƟŶŐ͘ ϯŽĞƐŶŽƚĂƉƉůLJƚŽǁĂƌĚƐƚŚĞĚĞĚƵĐƟďůĞ͖ĂƉƉůŝĞƐƚŽƚŚĞŽƵƚ-ŽĨ-ƉŽĐŬĞƚŵĂdžŝŵƵŵ͘ ϱ PLAN COMPARISON CHART WƌĞĨĞƌƌĞĚ WƌŽǀŝĚĞƌ KƌŐĂŶŝnjĂƚŝŽŶ ;WWKͿ džĐůƵƐŝǀĞ WƌŽǀŝĚĞƌ KƌŐĂŶŝnjĂƚŝŽŶ ; WKͿ ,ĞĂůƚŚ DĂŝŶƚĞŶĂŶĐĞ KƌŐĂŶŝnjĂƚŝŽŶ ;,DKͿ WƌŝŵĂƌLJĂƌĞWŚLJƐŝĐŝĂŶ;WWͿƌĞƋƵŝƌĞĚ͍ ZĞĨĞƌƌĂůƌĞƋƵŝƌĞĚƚŽƐĞĞĂƐƉĞĐŝĂůŝƐƚ͍ ͞/Ŷ-ŶĞƚǁŽƌŬ͟ďĞŶĞĨŝƚƐ͍ EŽŶ-ĞŵĞƌŐĞŶĐLJ͞ŽƵƚ-ŽĨ-ŶĞƚǁŽƌŬ͟ďĞŶĞĨŝƚƐ͍ ŵĞƌŐĞŶĐLJĐŽǀĞƌĂŐĞ͍ D®½ Äã«ÃWWKϭϬϬϬ ;®Ä-ÄãóÊÙ»Ϳ Äã«Ã,WWKϭϱϬϬ ;®Ä-ÄãóÊÙ»Ϳ Äã«Ã,WWKϯϬϬϬ ;®Ä-ÄãóÊÙ»Ϳ /ŶĚŝǀŝĚƵĂůĞĚƵĐƚŝďůĞ Ψϭ͕ϬϬϬͬWůĂŶzĞĂƌ Ψϭ͕ϱϬϬͬĂůĞŶĚĂƌzĞĂƌ Ψϯ͕ϬϬϬͬĂůĞŶĚĂƌzĞĂƌ &ĂŵŝůLJĞĚƵĐƚŝďůĞ ΨϮ͕ϬϬϬͬWůĂŶzĞĂƌ Ψϯ͕ϬϬϬͬĂůĞŶĚĂƌzĞĂƌϮ Ψϲ͕ϬϬϬͬĂůĞŶĚĂƌzĞĂƌ /ŶĚŝǀŝĚƵĂůKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž Ψϰ͕ϬϬϬ Ψϯ͕ϬϬϬ Ψϯ͕ϬϬϬ &ĂŵŝůLJKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž Ψϴ͕ϬϬϬ Ψϱ͕ϬϬϬ Ψϲ͕ϬϬϬ WƌĞǀĞŶƚŝǀĞĂƌĞ ΨϬϭ ΨϬϭ ΨϬϭ KĨĨŝĐĞsŝƐŝƚŽƉĂLJ Ψϰϱϭ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ ŵĞƌŐĞŶĐLJZŽŽŵsŝƐŝƚ ΨϭϬϬнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ /ŶƉĂƚŝĞŶƚ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ Ψϭ͕ϬϬϬͬLJĞĂƌϯнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ KƵƚƉĂƚŝĞŶƚ^ƵƌŐĞƌLJ ΨϮϱϬͬƐƵƌŐĞƌLJнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ y-ƌĂLJĂŶĚ>Ăď ;ƐŝŵƉůĞ͕ŶŽŶ-ĚŝĂŐŶŽƐƚŝĐͿ ΨϬ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ ŚŝƌŽƉƌĂĐƚŝĐ ΨϮϱϭ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ DÄã½,½ã« Äã«Ã½çÙÊÝÝ Äã«Ã½çÙÊÝÝ Äã«Ã½çÙÊÝÝ /ŶƉĂƚŝĞŶƚ Ψϭ͕ϬϬϬͬLJĞĂƌϯнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ KƵƚƉĂƚŝĞŶƚ Ψϰϱϭ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ W«ÙÃù ÃÖ®Zø Äã«Ã½çÙÊÝÝ Äã«Ã½çÙÊÝÝ 'ĞŶĞƌŝĐ ΨϭϬ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ WƌĞĨĞƌƌĞĚ ΨϮϬ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ EŽŶ-WƌĞĨĞƌƌĞĚ Ψϯϱ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ ϲ MEDICAL & PRESCRIPTION COVERAGE (cont.) dŚŝƐĐŚĂƌƚŝƐĂƐƵŵŵĂƌLJŽĨďĞŶĞĮƚƐ͘WůĞĂƐĞƐĞĞƚŚĞ ǀŝĚĞŶĐĞŽĨŽǀĞƌĂŐĞ; KͿĨŽƌĂĨƵůůĚĞƐĐƌŝƉƟŽŶ ŽĨďĞŶĞĮƚƐ͘/ĨƚŚĞƌĞĂƌĞĂŶLJĚŝƐĐƌĞƉĂŶĐŝĞƐďĞƚǁĞĞŶƚŚŝƐƐƵŵŵĂƌLJĂŶĚƚŚĞ K͕ƚŚĞ KǁŝůůƉƌĞǀĂŝů͘ FLEXIBLE SPENDING ACCOUNTS (FSA) &^ƐĂůůŽǁLJŽƵƚŽƐĞƚĂƐŝĚĞƉƌĞƚĂdžŵŽŶŝĞƐƚŽƉĂLJĨŽƌŵĞĚŝĐĂů ĂŶĚ ĚĞƉĞŶĚĞŶƚ ĚĂLJĐĂƌĞ ĞdžƉĞŶƐĞƐ͕ ĂƐ ǁĞůů ĂƐ ƚƌĂŶƐŝƚ ĂŶĚ ƉĂƌŬŝŶŐĞdžƉĞŶƐĞƐ͘/Z^ůŝŵŝƚƐĨŽƌϮϬϮϭĂƌĞĂƐĨŽůůŽǁƐ͗ ͻ,ĞĂůƚŚΨϮ͕ϳϱϬͻĞƉĞŶĚĞŶƚĂLJĐĂƌĞΨϱ͕ϬϬϬƉĞƌŚŽƵƐĞŚŽůĚ ͻdƌĂŶƐŝƚΨϮϳϬƉĞƌŵŽŶƚŚͻWĂƌŬŝŶŐΨϮϳϬƉĞƌŵŽŶƚŚ͘ /ĨLJŽƵǁŝƐŚƚŽƉĂƌƟĐŝƉĂƚĞŝŶƚŚĞ,ĞĂůƚŚ&^ĂŶĚͬŽƌĞƉĞŶĚĞŶƚĂLJĐĂƌĞ&^͕LJŽƵŵƵƐƚĞŶƌŽůůĚƵƌŝŶŐ KƉĞŶ ŶƌŽůůŵĞŶƚ͕ďĞŐŝŶŶŝŶŐDŽŶĚĂLJ͕KĐƚŽďĞƌϭϮ͕ϮϬϮϬƚŚƌŽƵŐŚϱ͗ϬϬƉŵŽŶ&ƌŝĚĂLJ͕EŽǀĞŵďĞƌϲ͕ ϮϬϮϬ͘&ŽƌŝŶĨŽƌŵĂƟŽŶŽŶŚŽǁƚŽĞŶƌŽůů͕ƐĞĞƉĂŐĞϮ͕ƵŶĚĞƌ/ŵƉŽƌƚĂŶƚZĞŵŝŶĚĞƌƐ͘ /ĨLJŽƵǁŝƐŚƚŽƉĂƌƟĐŝƉĂƚĞŝŶĐŽŵŵƵƚĞƌďĞŶĞĮƚƐ͕ĞŝƚŚĞƌdƌĂŶƐŝƚŽƌWĂƌŬŝŶŐ&^͕LJŽƵĐĂŶĞŶƌŽůůĂŶLJƟŵĞ ƚŚƌŽƵŐŚŽƵƚ ƚŚĞ LJĞĂƌ ĚŝƌĞĐƚůLJ ƚŚƌŽƵŐŚ EĂǀŝĂ͛Ɛ ǁĞďƐŝƚĞ͕ǁǁǁ͘ŶĂǀŝĂďĞŶĞĮƚƐ͘ĐŽŵ͘ &Žƌ ŵŽƌĞ ŝŶĨŽƌŵĂƟŽŶƉůĞĂƐĞĐŽŶƚĂĐƚEĂǀŝĂĞŶĞĮƚ^ŽůƵƟŽŶƐĚŝƌĞĐƚůLJ͘ŽŶƚĂĐƚŝŶĨŽƌŵĂƟŽŶŝƐůŽĐĂƚĞĚŽŶƚŚĞ ďĂĐŬĐŽǀĞƌ͘ Current Participants zŽƵŵƵƐƚƌĞ-ĞŶƌŽůůŝŶŚĞĂůƚŚĂŶĚͬŽƌĚĞƉĞŶĚĞŶƚĚĂLJĐĂƌĞ&^ĞǀĞƌLJLJĞĂƌŝĨLJŽƵǁŝƐŚƚŽĐŽŶƟŶƵĞ ƉĂƌƟĐŝƉĂƟŽŶŝŶƚŚĞƉƌŽŐƌĂŵ͘zŽƵĂƌĞŶŽƚĂƵƚŽŵĂƟĐĂůůLJƌĞ-ĞŶƌŽůůĞĚ͘ ƐĂƌĞŵŝŶĚĞƌ͕ƚŚĞϮϬϮϬ&^WůĂŶzĞĂƌĞŶĚƐŽŶĞĐĞŵďĞƌϯϭ͕ϮϬϮϬ͖ŚŽǁĞǀĞƌ͕LJŽƵǁŝůůŚĂǀĞƵŶƟů DĂƌĐŚϭϱ͕ϮϬϮϭƚŽƵƐĞĂŶLJƌĞŵĂŝŶŝŶŐϮϬϮϬĨƵŶĚƐ͘WůĞĂƐĞŶŽƚĞ͗ŝĨLJŽƵĚŽŶŽƚƐƉĞŶĚĂůůŽĨLJŽƵƌϮϬϮϬ ĨƵŶĚƐďLJDĂƌĐŚϭϱ͕ϮϬϮϭLJŽƵĨŽƌĨĞŝƚƚŚĞƌĞŵĂŝŶŝŶŐŵŽŶŝĞƐŝŶLJŽƵƌĂĐĐŽƵŶƚ͘zŽƵĚŽŚĂǀĞƵŶƟůDĂLJ ϭϱ͕ϮϬϮϭƚŽƐƵďŵŝƚĐůĂŝŵƐĨŽƌĂŶLJĞdžƉĞŶƐĞƐŝŶĐƵƌƌĞĚƚŚƌŽƵŐŚDĂƌĐŚϭϱ͕ϮϬϮϭ͘ Dependent Daycare FSA dŚĞ ĞƉĞŶĚĞŶƚ ĂLJĐĂƌĞ &^ ŝƐƵƐĞĚ ĨŽƌ ǁŽƌŬ- ƌĞůĂƚĞĚĐŚŝůĚĐĂƌĞĞdžƉĞŶƐĞƐĂŶĚƚŽƉĂLJĨŽƌǁŽƌŬ- ƌĞůĂƚĞĚĞdžƉĞŶƐĞƐĨŽƌŽůĚĞƌƚĂdžĚĞƉĞŶĚĞŶƚƐǁŚŽ ĂƌĞŶŽƚĐĂƉĂďůĞŽĨƐĞůĨ-ĐĂƌĞ͘zŽƵĐĂŶĞůĞĐƚƵƉƚŽ Ψϱ͕ϬϬϬƉĞƌŚŽƵƐĞŚŽůĚ͕ƉĞƌĐĂůĞŶĚĂƌLJĞĂƌ;ΨϮ͕ϱϬϬ ŝĨ ŵĂƌƌŝĞĚ ĂŶĚ ĮůŝŶŐ ƐĞƉĂƌĂƚĞ ŝŶĐŽŵĞ ƚĂdž ƌĞƚƵƌŶƐͿ͘ Health Care FSA dŚĞ ,ĞĂůƚŚ ĂƌĞ &^ ƉƌŽǀŝĚĞƐLJŽƵǁŝƚŚ ĂŶ ŽƉƉŽƌƚƵŶŝƚLJƚŽƵƐĞƵƉƚŽΨϮ͕ϳϱϬƉĞƌLJĞĂƌŽĨ ƉƌĞƚĂdž ĚŽůůĂƌƐ ƚŽ ƉĂLJ ĨŽƌ ŽƵƚ-ŽĨ-ƉŽĐŬĞƚ ŵĞĚŝĐĂů͕ĚĞŶƚĂů͕ǀŝƐŝŽŶ͕ĂŶĚŚĞĂƌŝŶŐĞdžƉĞŶƐĞƐ ĨŽƌ LJŽƵ͕ LJŽƵƌ ƐƉŽƵƐĞ͕ ĂŶĚ ĂŶLJ ŽĨ LJŽƵƌ ĚĞƉĞŶĚĞŶƚƐ ;ĞǀĞŶ ŝĨ ƚŚĞLJ ĂƌĞ ŽŶ Ă ĚŝīĞƌĞŶƚ ŝŶƐƵƌĂŶĐĞƉůĂŶͿ͘ Mass Transit/Van Pooling Account zŽƵĐĂŶƐĞƚĂƐŝĚĞƵƉƚŽΨϮϳϬƉĞƌŵŽŶƚŚŽĨ ƉƌĞƚĂdž ŵŽŶĞLJ ƚŽ ƉĂLJ ĨŽƌ ǁŽƌŬ-ƌĞůĂƚĞĚ ĐŽŵŵƵƟŶŐĞdžƉĞŶƐĞƐĨŽƌďƵƐŽƌǀĂŶƉŽŽůŝŶŐ͘ Parking Account zŽƵĐĂŶƐĞƚĂƐŝĚĞƵƉƚŽΨϮϳϬƉĞƌŵŽŶƚŚŽĨ ƉƌĞƚĂdžŵŽŶĞLJƚŽƉĂLJĨŽƌƉĂƌŬŝŶŐĞdžƉĞŶƐĞƐLJŽƵ ŝŶĐƵƌ Ăƚ Žƌ ŶĞĂƌ LJŽƵƌ ǁŽƌŬ ƉůĂĐĞ͕ Žƌ ĨƌŽŵ ǁŚĞƌĞLJŽƵĐŽŵŵƵƚĞ͘ New Participants ϳ SUPPLEMENTAL LIFE INSURANCE dŚĞKƉĞŶ ŶƌŽůůŵĞŶƚƉĞƌŝŽĚĨƌŽŵKĐƚŽďĞƌϭϮ–EŽǀĞŵďĞƌϲ͕ ϮϬϮϬŝƐLJŽƵƌŽƉƉŽƌƚƵŶŝƚLJƚŽĞůĞĐƚĂƚĞƌŵůŝĨĞŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞ ĨŽƌ LJŽƵƌƐĞůĨ͕ LJŽƵƌ ƐƉŽƵƐĞ͕ ĂŶĚͬŽƌ LJŽƵƌ ĐŚŝůĚƌĞŶ͕ ǁŝƚŚŽƵƚ Ă ƋƵĂůŝĨLJŝŶŐ ĞǀĞŶƚ͘ dŚĞ ƉŽůŝĐŝĞƐ ŽīĞƌĞĚ ŝŶ ƚŚĞ ďĞůŽǁ ƚĂďůĞ ĂƌĞ ŐƵĂƌĂŶƚĞĞĚ ŝƐƐƵĞ ĚƵƌŝŶŐ ƚŚĞ ĚĞƐŝŐŶĂƚĞĚ KƉĞŶ ŶƌŽůůŵĞŶƚ ƉĞƌŝŽĚ͘ϭ/ĨLJŽƵĞŶƌŽůůĚƵƌŝŶŐƚŚŝƐ ƟŵĞ͕ƚŚĞĞǀŝĚĞŶĐĞŽĨŝŶƐƵƌĂďŝůŝƚLJ; K/ͿŝƐŶŽƚƌĞƋƵŝƌĞĚ;ŝ͘Ğ͘ŶŽ ŵĞĚŝĐĂůƋƵĞƐƟŽŶƐĂƐŬĞĚͿ͘WŽůŝĐŝĞƐǁŝůůďĞĞīĞĐƟǀĞ:ĂŶƵĂƌLJϭ͕ϮϬϮϭ͕ǁŝƚŚƚŚĞĮƌƐƚĚĞĚƵĐƟŽŶŽĐĐƵƌƌŝŶŐ ŽŶLJŽƵƌ:ĂŶƵĂƌLJϴ͕ϮϬϮϭƉĂLJĐŚĞĐŬ͘Ϯ zŽƵĐĂŶĞŶƌŽůůŽŶůŝŶĞĂƚǁǁǁ͘ŵLJǁŽƌŬƉůĂĐĞ͘ŶĞƚ͘/ŶŽƌĚĞƌƚŽĂĚĚLJŽƵƌƐƉŽƵƐĞĂŶĚͬŽƌĐŚŝůĚ;ƌĞŶͿƚŽƚŚĞ ĂďŽǀĞƉŽůŝĐŝĞƐ͕ĞŶƌŽůůŵĞŶƚŝŶĞŵƉůŽLJĞĞĐŽǀĞƌĂŐĞŝƐƌĞƋƵŝƌĞĚ͘WůĞĂƐĞŶŽƚĞ͕LJŽƵĚŽŶŽƚŚĂǀĞƚŽďĞĂ ŚĞĂůƚŚŝŶƐƵƌĂŶĐĞƉĂƌƟĐŝƉĂŶƚƚŽĞŶƌŽůů͕ŶŽƌŝƐĂŶLJďĂƌŐĂŝŶŝŶŐƵŶŝƚĞdžĐůƵĚĞĚĨƌŽŵĐŽǀĞƌĂŐĞ͘/ŶĂĚĚŝͲ ƟŽŶ͕ŝĨLJŽƵĂƌĞĐƵƌƌĞŶƚůLJŽŶĂůĞĂǀĞŽĨĂďƐĞŶĐĞĚƵƌŝŶŐƚŚĞKƉĞŶ ŶƌŽůůŵĞŶƚƉĞƌŝŽĚ͕LJŽƵŵĂLJĞŶƌŽůů ǁŝƚŚŝŶϯϬĚĂLJƐŽĨƌĞƚƵƌŶŝŶŐƚŽǁŽƌŬ͘&ŽƌĂĚĚŝƟŽŶĂůŝŶĨŽƌŵĂƟŽŶ͕ƉůĞĂƐĞǀŝƐŝƚsŽLJĂ͛ƐǁĞďƐŝƚĞ͕ ŚƩƉƐ͗ͬͬƉƌĞƐĞŶƚƐ͘ǀŽLJĂ͘ĐŽŵͬ ZͬK&͕ŽƌĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐ͘ How to Enroll ŵƉůŽLJĞĞZĂƚĞƐ WŽůŝĐLJ͗ΨϭϬϬ͕ϬϬϬ ^ƉŽƵƐĞZĂƚĞƐ WŽůŝĐLJ͗ΨϱϬ͕ϬϬϬ ŚŝůĚ;ƌĞŶͿZĂƚĞ WŽůŝĐLJ͗ΨϭϬ͕ϬϬϬ ŐĞ dǁŝĐĞ-DŽŶƚŚůLJ ŐĞ dǁŝĐĞ-DŽŶƚŚůLJ ŐĞ dǁŝĐĞ-DŽŶƚŚůLJ hŶĚĞƌϮϱ Ψϯ͘ϬϬ hŶĚĞƌϮϱ Ψϭ͘ϱϬ Ϭ-Ϯϲ ΨϬ͘ϳϬ ;&ŽƌĂůůĐŚŝůĚƌĞŶ ĞŶƌŽůůĞĚ͕ƌĞŐĂƌĚͲ ůĞƐƐŽĨƚŚĞŶƵŵͲ ďĞƌ͘Ϳ Ϯϱ-Ϯϵ Ψϯ͘ϱϬ Ϯϱ-Ϯϵ Ψϭ͘ϳϱ ϯϬ-ϯϰ Ψϰ͘ϬϬ ϯϬ-ϯϰ ΨϮ͘ϬϬ ϯϱ-ϯϵ Ψϱ͘ϱϬ ϯϱ-ϯϵ ΨϮ͘ϳϱ ϰϬ-ϰϰ Ψϴ͘ϬϬ ϰϬ-ϰϰ Ψϰ͘ϬϬ ϰϱ-ϰϵ Ψϭϭ͘ϱϬ ϰϱ-ϰϵ Ψϱ͘ϳϱ ϱϬ-ϱϰ Ψϭϴ͘ϱϬ ϱϬ-ϱϰ Ψϵ͘Ϯϱ ϱϱ-ϱϵ ΨϯϬ͘ϬϬ ϱϱ-ϱϵ Ψϭϱ͘ϬϬ ϮϳĂŶĚ ŽůĚĞƌ ŽŶŽƚ ƋƵĂůŝĨLJ ϲϬ-ϲϰ Ψϰϳ͘ϬϬ ϲϬ-ϲϰ ΨϮϯ͘ϱϬ ϲϱ-ϲϵ ^ĞĞďĞůŽǁΎ ϲϱ-ϲϵ ^ĞĞďĞůŽǁΎ ϳϬĂŶĚŽůĚĞƌ ^ĞĞďĞůŽǁΎ ϳϬĂŶĚŽůĚĞƌ ^ĞĞďĞůŽǁΎ ΎDŽŶƚŚůLJĐŽƐƚƉĞƌΨϭ͕ϬϬϬŽĨĐŽǀĞƌĂŐĞŝƐΨϭ͘ϳϲĨŽƌĂŐĞƐϲϱ-ϲϵ͕ĂŶĚΨϮ͘ϴϱĨŽƌĂŐĞƐϳϬĂŶĚŽůĚĞƌ͘ĞŶĞĮƚĂŵŽƵŶƚ;ƐͿƌĞĚƵĐĞƚŽ ϲϱйŽĨŽƌŝŐŝŶĂůĐŽǀĞƌĂŐĞĂƚĂŐĞϲϱ͕ƚŽϱϬйŽĨŽƌŝŐŝŶĂůĐŽǀĞƌĂŐĞĂƚĂŐĞϳϬ͕ƚŽϮϱйŽĨŽƌŝŐŝŶĂůĐŽǀĞƌĂŐĞĂƚĂŐĞϳϱ͕ĂŶĚƚŽϮϬй ŽĨŽƌŝŐŝŶĂůĐŽǀĞƌĂŐĞĂƚĂŐĞϴϬĂŶĚĂŌĞƌ͘zŽƵƌƉƌĞŵŝƵŵƉĂLJŵĞŶƚƐǁŝůůďĞĂĚũƵƐƚĞĚĂĐĐŽƌĚŝŶŐůLJ͘ dŚĞďŝǁĞĞŬůLJƌĂƚĞƐĂƌĞŝŶƚŚĞƚĂďůĞďĞůŽǁ͘ZĂƚĞƐĂƌĞďĂƐĞĚŽŶLJŽƵƌĂŐĞĂƐŽĨƚŚĞĂŶŶƵĂůƌĞŶĞǁĂů ĚĂƚĞ͖ƚŚĞƌĞĨŽƌĞ͕LJŽƵƌĐŽƐƚǁŝůůŝŶĐƌĞĂƐĞǁŚĞŶLJŽƵĞŶƚĞƌĂŶĞǁĂŐĞďĂŶĚ͘WůĞĂƐĞŶŽƚĞƚŚĂƚƉƌĞŵŝƵŵƐ ĂƌĞĚĞĚƵĐƚĞĚŽŶĂŶĂŌĞƌ-ƚĂdžďĂƐŝƐ͕ĂŶĚŝŶŵŽŶƚŚƐǁŝƚŚƚŚƌĞĞ;ϯͿƉĂLJĚĂƚĞƐ͕ƚŚĞďŝǁĞĞŬůLJĚĞĚƵĐƟŽŶ ǁŝůůŽŶůLJďĞƚĂŬĞŶĨƌŽŵƚŚĞĮƌƐƚƚǁŽ;ϮͿƉĂLJĚĂƚĞƐ͘ Rate Information ϭ/ĨĂŶ K/ǁĂƐƐƵďŵŝƩĞĚƚŽsŽLJĂĂŶĚƉƌĞǀŝŽƵƐůLJĚĞŶŝĞĚ͕LJŽƵǁŝůůŶŽƚďĞĞůŝŐŝďůĞƚŽĞŶƌŽůůǁŝƚŚŐƵĂƌĂŶƚĞĞĚŝƐƐƵĞĂƚƚŚŝƐƟŵĞ͘ ϮdŚĞƌĞŝƐĂƚǁŽ;ϮͿLJĞĂƌĐŽŶƚĞƐƚĂďŝůŝƚLJƉĞƌŝŽĚƚŚĂƚŝŶĐůƵĚĞƐƐƵŝĐŝĚĞ͘ ϴ VOLUNTARY BENEFITS ŽƵŶƚLJ ŽĨ &ƌĞƐŶŽ ŝƐ ƉůĞĂƐĞĚ ƚŽ ŽīĞƌ Ă ƌĂŶŐĞ ŽĨ ǀŽůƵŶƚĂƌLJ ŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞƐƚŚĂƚĐĂŶŚĞůƉƌĞůŝĞǀĞƐŽŵĞŽĨƚŚĞĮŶĂŶĐŝĂů ƉƌĞƐƐƵƌĞďƌŽƵŐŚƚĂďŽƵƚďLJƚŚĞƵŶĞdžƉĞĐƚĞĚ͕ŝŶĐůƵĚŝŶŐ͗ ͻĐĐŝĚĞŶƚ/ŶƐƵƌĂŶĐĞ ͻƌŝƟĐĂů/ůůŶĞƐƐ/ŶƐƵƌĂŶĐĞ ͻ,ŽƐƉŝƚĂůŽŶĮŶĞŵĞŶƚ/ŶĚĞŵŶŝƚLJ/ŶƐƵƌĂŶĐĞ /ĨLJŽƵǁŝƐŚƚŽĞŶƌŽůůŝŶƚŽĂŶLJŽĨƚŚĞƐĞƉŽůŝĐŝĞƐ͕LJŽƵŵƵƐƚĞŶƌŽůůŽŶůŝŶĞĚƵƌŝŶŐKƉĞŶ ŶƌŽůůŵĞŶƚ͕ DŽŶĚĂLJ͕KĐƚŽďĞƌϭϮ͕ϮϬϮϬƚŚƌŽƵŐŚϱ͗ϬϬƉŵ͕&ƌŝĚĂLJ͕EŽǀĞŵďĞƌϲ͕ϮϬϮϬ͘&ŽƌŝŶĨŽƌŵĂƟŽŶŽŶŚŽǁƚŽ ĞŶƌŽůů͕ƐĞĞƉĂŐĞϮ͕ƵŶĚĞƌ/ŵƉŽƌƚĂŶƚZĞŵŝŶĚĞƌƐ͘ WůĞĂƐĞǀŝƐŝƚƚŚĞsŽLJĂ ŵƉůŽLJĞĞĞŶĞĮƚƐZĞƐŽƵƌĐĞĞŶƚĞƌĂƚŚƩƉƐ͗ͬͬƉƌĞƐĞŶƚƐ͘ǀŽLJĂ͘ĐŽŵͬ ZͬK&ĨŽƌ ŵŽƌĞŝŶĨŽƌŵĂƟŽŶĂďŽƵƚƚŚĞƐĞƉŽůŝĐŝĞƐ͘ ĐĐŝĚĞŶƚ/ŶƐƵƌĂŶĐĞĐĂŶŚĞůƉƌĞůŝĞǀĞƚŚĞĮŶĂŶĐŝĂůƐƚƌĞƐƐƚŚĂƚĐŽŵĞƐǁŝƚŚĂŶĂĐĐŝĚĞŶƚĂůŝŶũƵƌLJ͘/ƚƉĂLJƐ ďĞŶĞĮƚƐĨŽƌƐƉĞĐŝĮĐ͕ĐŽǀĞƌĞĚĂĐĐŝĚĞŶƚƐĂŶĚŝŶũƵƌŝĞƐƚŚĂƚŚĂƉƉĞŶŽŶŽƌĂŌĞƌLJŽƵƌĐŽǀĞƌĂŐĞĞīĞĐƟǀĞ ĚĂƚĞ͘dŚĞďĞŶĞĮƚĂŵŽƵŶƚĚĞƉĞŶĚƐŽŶƚŚĞƚLJƉĞŽĨŝŶũƵƌLJLJŽƵŝŶĐƵƌ͕ĂŶĚƚŚĞƚƌĞĂƚŵĞŶƚLJŽƵƌĞĐĞŝǀĞ͘ ĐĐŝĚĞŶƚ/ŶƐƵƌĂŶĐĞŝŶĐůƵĚĞƐĐĐŝĚĞŶƚĂůĞĂƚŚĂŶĚŝƐŵĞŵďĞƌŵĞŶƚĐŽǀĞƌĂŐĞ͕ĂƐǁĞůůĂƐĂ^ƉŽƌƚƐ ĐĐŝĚĞŶƚĞŶĞĮƚ͘ dŚĞďŝǁĞĞŬůLJƌĂƚĞƐĂƌĞŝŶƚŚĞƚĂďůĞďĞůŽǁ͘WůĞĂƐĞŶŽƚĞƚŚĂƚƉƌĞŵŝƵŵƐĂƌĞĚĞĚƵĐƚĞĚŽŶĂŶĂŌĞƌ-ƚĂdž ďĂƐŝƐ͕ĂŶĚŝŶŵŽŶƚŚƐǁŝƚŚƚŚƌĞĞ;ϯͿƉĂLJĚĂƚĞƐ͕ƚŚĞďŝǁĞĞŬůLJĚĞĚƵĐƟŽŶǁŝůůŽŶůLJďĞƚĂŬĞŶĨƌŽŵƚŚĞ ĮƌƐƚƚǁŽ;ϮͿƉĂLJĚĂƚĞƐ͘ Accident Insurance >ŽǁWůĂŶ ,ŝŐŚWůĂŶ dŝĞƌ ^Ğŵŝ-DŽŶƚŚůLJŽƐƚ dŝĞƌ ^Ğŵŝ-DŽŶƚŚůLJŽƐƚ ŵƉůŽLJĞĞKŶůLJ ΨϮ͘ϯϳ ŵƉůŽLJĞĞKŶůLJ Ψϯ͘ϱϴ ŵƉůŽLJĞĞн^ƉŽƵƐĞ Ψϰ͘ϰϴ ŵƉůŽLJĞĞн^ƉŽƵƐĞ Ψϲ͘ϰϱ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ Ψϰ͘ϱϴ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ Ψϳ͘Ϯϱ ŵƉůŽLJĞĞн&ĂŵŝůLJ Ψϲ͘ϲϵ ŵƉůŽLJĞĞн&ĂŵŝůLJ ΨϭϬ͘ϭϮ ϵ VOLUNTARY BENEFITS (cont.) Critical Illness Insurance ŵƉůŽLJĞĞZĂƚĞƐďLJ ŽǀĞƌĂŐĞŵŽƵŶƚ ^ƉŽƵƐĞZĂƚĞƐďLJ ŽǀĞƌĂŐĞŵŽƵŶƚ ŚŝůĚ;ƌĞŶͿZĂƚĞƐďLJ ŽǀĞƌĂŐĞŵŽƵŶƚ ŐĞ ΨϭϬ͕ϬϬϬ ΨϮϬ͕ϬϬϬ ŐĞ Ψϱ͕ϬϬϬ ΨϭϬ͕ϬϬϬ Ψϱ͕ϬϬϬ ΨϭϬ͕ϬϬϬ hŶĚĞƌϯϬ Ψϭ͘ϴϵ Ψϯ͘ϭϵ hŶĚĞƌϯϬ Ψϭ͘Ϯϰ Ψϭ͘ϴϵ ΨϬ͘ϳϬ Ψϭ͘ϰϬ ϯϬ-ϯϵ Ψϳ͘ϬϬ Ψϰ͘Ϭϵ ϯϬ-ϯϵ Ψϭ͘ϰϳ ΨϮ͘ϯϰ ϰϬ-ϰϵ Ψϴ͘ϬϬ Ψϴ͘ϯϵ ϰϬ-ϰϵ ΨϮ͘ϱϰ Ψϰ͘ϰϵ ϱϬ-ϱϵ Ψϭϭ͘ϬϬ Ψϭϵ͘ϳϵ ϱϬ-ϱϵ Ψϱ͘ϯϵ ΨϭϬ͘ϭϵ ϲϬ-ϲϰ Ψϭϲ͘ϬϬ ΨϯϮ͘Ϯϵ ϲϬ-ϲϰ Ψϴ͘ϱϮ Ψϭϲ͘ϰϰ ϲϱ-ϲϵ ΨϮϯ͘ϬϬ Ψϰϯ͘Ϯϵ ϲϱ-ϲϵ Ψϭϭ͘Ϯϳ ΨϮϭ͘ϵϰ ϳϬн Ψϯϳ͘ϬϬ Ψϲϲ͘ϯϵ ϳϬн Ψϭϳ͘Ϭϰ Ψϯϯ͘ϰϵ Hospital Confinement Indemnity Insurance ĂŝůLJĞŶĞĮƚ͗ΨϭϬϬ ĂŝůLJĞŶĞĮƚ͗ΨϮϬϬ dŝĞƌ ^Ğŵŝ-DŽŶƚŚůLJŽƐƚ dŝĞƌ ^Ğŵŝ-DŽŶƚŚůLJŽƐƚ ŵƉůŽLJĞĞKŶůLJ Ψϱ͘Ϯϯ ŵƉůŽLJĞĞKŶůLJ Ψϭϭ͘ϳϬ ŵƉůŽLJĞĞн^ƉŽƵƐĞ ΨϭϬ͘ϯϱ ŵƉůŽLJĞĞн^ƉŽƵƐĞ ΨϮϯ͘ϭϳ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ Ψϴ͘ϭϮ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ Ψϭϳ͘ϵϭ ŵƉůŽLJĞĞн&ĂŵŝůLJ Ψϭϯ͘Ϯϱ ŵƉůŽLJĞĞн&ĂŵŝůLJ ΨϮϵ͘ϯϴ ,ŽƐƉŝƚĂů/ŶĚĞŵŶŝƚLJ/ŶƐƵƌĂŶĐĞĐĂŶŚĞůƉĞĂƐĞƚŚĞĮŶĂŶĐŝĂůďƵƌĚĞŶŽĨĂŚŽƐƉŝƚĂůƐƚĂLJ͘/ƚƉĂLJƐĂĚĂŝůLJ ďĞŶĞĮƚŝĨLJŽƵŚĂǀĞĂĐŽǀĞƌĞĚƐƚĂLJŝŶĂŚŽƐƉŝƚĂů͕ĐƌŝƟĐĂůĐĂƌĞƵŶŝƚ͕ŽƌƌĞŚĂďŝůŝƚĂƟŽŶĨĂĐŝůŝƚLJŽŶŽƌĂŌĞƌ LJŽƵƌĐŽǀĞƌĂŐĞĞīĞĐƟǀĞĚĂƚĞ͘ ,ŽƐƉŝƚĂů/ŶĚĞŵŶŝƚLJ/ŶƐƵƌĂŶĐĞŝŶĐůƵĚĞƐĂŶ/ŶŝƟĂůŽŶĮŶĞŵĞŶƚĞŶĞĮƚǁŚŝĐŚƉƌŽǀŝĚĞƐĂŶĂĚĚŝƟŽŶĂů ďĞŶĞĮƚƉĂLJŵĞŶƚĨŽƌƚŚĞĮƌƐƚĚĂLJLJŽƵƐƉĞŶĚŝŶĂŚŽƐƉŝƚĂů͕ĐƌŝƟĐĂůĐĂƌĞƵŶŝƚŽƌƌĞŚĂďŝůŝƚĂƟŽŶĐĞŶƚĞƌ͘ ,ŽƐƉŝƚĂů/ŶĚĞŵŶŝƚLJ/ŶƐƵƌĂŶĐĞĂůƐŽŝŶĐůƵĚĞƐĂŶĂŶŶƵĂůtĞůůŶĞƐƐĞŶĞĮƚƚŚĂƚƉĂLJƐLJŽƵĂŶĚĞǀĞƌLJŽŶĞ ĐŽǀĞƌĞĚŽŶLJŽƵƌĐĞƌƟĮĐĂƚĞ;ΨϱϬĨŽƌLJŽƵĂŶĚLJŽƵƌƐƉŽƵƐĞ͖ΨϮϱĨŽƌƵƉƚŽĨŽƵƌĐŚŝůĚƌĞŶͿďLJĐŽŵƉůĞƟŶŐ ĂŶĞůŝŐŝďůĞŚĞĂůƚŚƐĐƌĞĞŶŝŶŐƚĞƐƚ͘ dŚĞďŝǁĞĞŬůLJƌĂƚĞƐĂƌĞŝŶƚŚĞƚĂďůĞďĞůŽǁ͘WůĞĂƐĞŶŽƚĞƚŚĂƚƉƌĞŵŝƵŵƐĂƌĞĚĞĚƵĐƚĞĚŽŶĂŶĂŌĞƌ-ƚĂdž ďĂƐŝƐ͕ĂŶĚŝŶŵŽŶƚŚƐǁŝƚŚƚŚƌĞĞ;ϯͿƉĂLJĚĂƚĞƐ͕ƚŚĞďŝǁĞĞŬůLJĚĞĚƵĐƟŽŶǁŝůůŽŶůLJďĞƚĂŬĞŶĨƌŽŵƚŚĞ ĮƌƐƚƚǁŽ;ϮͿƉĂLJĚĂƚĞƐ͘ ƌŝƟĐĂů/ůůŶĞƐƐ/ŶƐƵƌĂŶĐĞƉĂLJƐĂůƵŵƉ-ƐƵŵďĞŶĞĮƚŝĨLJŽƵĂƌĞĚŝĂŐŶŽƐĞĚǁŝƚŚĂĐŽǀĞƌĞĚŝůůŶĞƐƐŽƌĐŽŶͲ ĚŝƟŽŶƚŚĂƚŽĐĐƵƌƐŽŶŽƌĂŌĞƌLJŽƵƌĞīĞĐƟǀĞĐŽǀĞƌĂŐĞĚĂƚĞĂŶĚŝƐĂůŝŵŝƚĞĚďĞŶĞĮƚƉŽůŝĐLJ͘ ƌŝƟĐĂů/ůůŶĞƐƐ/ŶƐƵƌĂŶĐĞŝŶĐůƵĚĞƐĂŶĂŶŶƵĂůtĞůůŶĞƐƐĞŶĞĮƚƚŚĂƚƉĂLJƐLJŽƵĂŶĚĞǀĞƌLJŽŶĞĐŽǀĞƌĞĚŽŶ LJŽƵƌĐĞƌƟĮĐĂƚĞ;ΨϱϬĨŽƌLJŽƵĂŶĚLJŽƵƌƐƉŽƵƐĞ͖ΨϮϱĨŽƌƵƉƚŽĨŽƵƌĐŚŝůĚƌĞŶͿďLJĐŽŵƉůĞƟŶŐĂŶĞůŝŐŝďůĞ ŚĞĂůƚŚƐĐƌĞĞŶŝŶŐƚĞƐƚ͘ dŚĞďŝǁĞĞŬůLJƌĂƚĞƐĂƌĞŝŶƚŚĞƚĂďůĞďĞůŽǁ͘ZĂƚĞƐĂƌĞďĂƐĞĚŽŶLJŽƵƌĂŐĞĂƐŽĨƚŚĞĂŶŶƵĂůƌĞŶĞǁĂů ĚĂƚĞ͖ƚŚĞƌĞĨŽƌĞ͕LJŽƵƌĐŽƐƚǁŝůůŝŶĐƌĞĂƐĞǁŚĞŶLJŽƵĞŶƚĞƌĂŶĞǁĂŐĞďĂŶĚ͘WůĞĂƐĞŶŽƚĞƚŚĂƚƉƌĞŵŝƵŵƐ ĂƌĞĚĞĚƵĐƚĞĚŽŶĂŶĂŌĞƌ-ƚĂdžďĂƐŝƐ͕ĂŶĚŝŶŵŽŶƚŚƐǁŝƚŚƚŚƌĞĞ;ϯͿƉĂLJĚĂƚĞƐ͕ƚŚĞďŝǁĞĞŬůLJĚĞĚƵĐƟŽŶ ǁŝůůŽŶůLJďĞƚĂŬĞŶĨƌŽŵƚŚĞĮƌƐƚƚǁŽ;ϮͿƉĂLJĚĂƚĞƐ͘ EMPLOYEE’S GUIDE TO HEALTH PLANS FREQUENTLY ASKED QUESTIONS tŚĂƚĚŽ/ŶĞĞĚƚŽĚŽŝĨ/ĚĞĐŝĚĞŶŽƚƚŽĐŚĂŶŐĞŚĞĂůƚŚŽƌĚĞŶƚĂůƉůĂŶƐŽƌŵĂŬĞĂŶLJĚĞƉĞŶĚĞŶƚĐŚĂŶŐĞƐ͍ EŽ ĨƵƌƚŚĞƌ ĂĐƟŽŶ ŝƐ ƌĞƋƵŝƌĞĚ ŽŶ LJŽƵƌ ƉĂƌƚ͕ƵŶůĞƐƐ LJŽƵ ǁŝƐŚ ƚŽ ĐŽŶƟŶƵĞ ƚŽ ŽƉƚ ŽƵƚ ŽĨĐŽǀĞƌĂŐĞ ĨŽƌ ƚŚĞ ϮϬϮϭ ƉůĂŶ LJĞĂƌ͕ LJŽƵ ǁŽƵůĚůŝŬĞƚŽĞŶƌŽůůͬƌĞ-ĞŶƌŽůůŝŶĂŶ&^ĨŽƌƚŚĞϮϬϮϭƉůĂŶLJĞĂƌ͕ŽƌLJŽƵǁŽƵůĚůŝŬĞƚŽĞŶƌŽůůŝŶŽŶĞŽƌŵŽƌĞŽĨƚŚĞsŽLJĂǀŽůƵŶƚĂƌLJďĞŶĞĮƚƐ͘ ĂŶ/ĐŚĂŶŐĞƚŽĂŶŽƚŚĞƌŚĞĂůƚŚŽƌĚĞŶƚĂůƉůĂŶĂŶĚͬŽƌ ŵĂŬĞ ĚĞƉĞŶĚĞŶƚ ĐŚĂŶŐĞƐ ĂŌĞƌ ƚŚĞKƉĞŶ ŶƌŽůůŵĞŶƚƉĞƌŝŽĚĞŶĚƐ͍ EŽ͘ /Ĩ ĐŚĂŶŐĞƐ ĂƌĞ ŶŽƚ ŵĂĚĞ ŝŶǁǁǁ͘ŵLJǁŽƌŬƉůĂĐĞ͘ŶĞƚďLJ ϱ͗ϬϬƉŵ ŽŶ &ƌŝĚĂLJ͕EŽǀĞŵďĞƌ ϲ͕ ϮϬϮϬ͕ LJŽƵ ǁŝůů ŶŽƚ ďĞ ĂďůĞ ƚŽŵĂŬĞƉůĂŶĐŚĂŶŐĞƐƵŶƟůŶĞdžƚKƉĞŶ ŶƌŽůůŵĞŶƚ͕ƵŶůĞƐƐLJŽƵĞdžƉĞƌŝĞŶĐĞĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ͘ /Ĩ/͛ŵŵĂŬŝŶŐKƉĞŶ ŶƌŽůůŵĞŶƚĐŚĂŶŐĞƐŽŶůŝŶĞ͕ĚŽ/ƐƟůůŶĞĞĚƚŽƚƵƌŶŝŶƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐ͍ zĞƐ͘ ŶLJ ƐƵƉƉŽƌƟŶŐ ĚŽĐƵŵĞŶƚƐ ƐƵĐŚ ĂƐĐĞƌƟĮĞĚďŝƌƚŚĐĞƌƟĮĐĂƚĞƐŽƌĐĞƌƟĮĞĚŵĂƌƌŝĂŐĞĐĞƌƟĮĐĂƚĞƐĂƌĞƐƟůůƌĞƋƵŝƌĞĚ͘ tŚĂƚŝĨ/ŚĂǀĞĂĚĚŝƟŽŶĂůƋƵĞƐƟŽŶƐƚŚĂƚĂƌĞŶŽƚůŝƐƚĞĚŚĞƌĞ͍ zŽƵĐĂŶĮŶĚĂĚĚŝƟŽŶĂůŝŶĨŽƌŵĂƟŽŶĂďŽƵƚƚŚĞŚĞĂůƚŚƉůĂŶƐŽŶŽƵƌKƉĞŶ ŶƌŽůůŵĞŶƚǁĞďƐŝƚĞ͕ǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ͘ &ŽƌƐƉĞĐŝĮĐƋƵĞƐƟŽŶƐŝƚŝƐƌĞĐŽŵŵĞŶĚĞĚƚŚĂƚLJŽƵ ĐŽŶƚĂĐƚ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ ĚŝƌĞĐƚůLJ͘ŽŶƚĂĐƚ ŝŶĨŽƌŵĂƟŽŶ ŝƐ ůŽĐĂƚĞĚ ŽŶ ƚŚĞ ďĂĐŬĐŽǀĞƌ͘ Definition Health Maintenance Organization (HMO) ŽǀĞƌƐƐĞƌǀŝĐĞƐƉĞƌĨŽƌŵĞĚƐŽůĞůLJďLJƉƌŽǀŝĚĞƌƐŝŶĂŶĞƚǁŽƌŬ͘dŚŝƐƚĞŶĚƐƚŽďĞĂůŽǁĐŽƐƚƐLJƐƚĞŵ͕ďƵƚŝƐŵŽƌĞƌĞƐƚƌŝĐƟǀĞƚŚĂŶ ŽƚŚĞƌ ƉůĂŶƐ͘ ƉƌŝŵĂƌLJ ĐĂƌĞ ƉŚLJƐŝĐŝĂŶ ;WWͿĐŽŽƌĚŝŶĂƚĞƐ Ăůů ŵĞĚŝĐĂů ĐĂƌĞ ĂŶĚ ŵƵƐƚ ŵĂŬĞ ƌĞĨĞƌƌĂůƐ ƚŽƐƉĞĐŝĂůƚLJ ƉƌŽǀŝĚĞƌƐ͘ ^ĞƌǀŝĐĞƐ ďLJ ŽƵƚ-ŽĨ-ŶĞƚǁŽƌŬ ƉƌŽǀŝĚĞƌƐĂƌĞŶŽƚƚLJƉŝĐĂůůLJĐŽǀĞƌĞĚƵŶĚĞƌƚŚĞƉůĂŶ͘ Preferred Provider Organization (PPO) ,ĂƐĂŶĞƚǁŽƌŬŽĨƉƌŽǀŝĚĞƌƐ͕ďƵƚĂůƐŽĂůůŽǁƐƵƐĞŽĨŵĞĚŝĐĂůƉƌŽǀŝĚĞƌƐ ŽƵƚƐŝĚĞ ŽĨ ƚŚĞ ƉůĂŶ͛Ɛ ŶĞƚǁŽƌŬ ;ƚLJƉŝĐĂůůLJ ǁŝƚŚŚŝŐŚĞƌĞŵƉůŽLJĞĞĐŽƐƚͿ͘/ƚŝƐŵŽƌĞŇĞdžŝďůĞƚŚĂŶĂŶ,DK͕ďƵƚĂůƐŽŵŽƌĞĞdžƉĞŶƐŝǀĞŐĞŶĞƌĂůůLJ͘zŽƵĐĂŶŐŽƚŽĂŶLJŚĞĂůƚŚĐĂƌĞƉƌŽĨĞƐƐŝŽŶĂůLJŽƵĐŚŽŽƐĞŝŶƐŝĚĞLJŽƵƌŶĞƚǁŽƌŬǁŝƚŚŽƵƚĂWWƌĞĨĞƌƌĂů͘ High Deductible Health Plan (HDHP) ,ĂƐĂŚŝŐŚĞƌĚĞĚƵĐƟďůĞƚŚĂŶĂƚƌĂĚŝƟŽŶĂůŚĞĂůƚŚŝŶƐƵƌĂŶĐĞƉůĂŶǁŝƚŚƚLJƉŝĐĂůůLJůŽǁĞƌƉƌĞŵŝƵŵƐ͘/ƚŝƐŽŌĞŶƉĂŝƌĞĚǁŝƚŚĂƚĂdž-ĂĚǀĂŶƚĂŐĞĚĂĐĐŽƵŶƚ͕ƐƵĐŚĂƐĂ,ĞĂůƚŚ^ĂǀŝŶŐƐĐĐŽƵŶƚ;,^Ϳ͕ƚŽƉĂLJĨŽƌŵĞĚŝĐĂůĞdžƉĞŶƐĞƐ͘ Out-of-Pocket Maximum (OOPM) dŚĞƚŽƚĂůĂŵŽƵŶƚƉĂŝĚĞĂĐŚLJĞĂƌďLJƚŚĞŵĞŵďĞƌĨŽƌƚŚĞĚĞĚƵĐƟďůĞ͕ĐŽŝŶƐƵƌĂŶĐĞ͕ĐŽƉĂLJŵĞŶƚƐĂŶĚŽƚŚĞƌŚĞĂůƚŚĐĂƌĞĞdžƉĞŶƐĞƐ͕ĞdžĐůƵĚŝŶŐƚŚĞƉƌĞŵŝƵŵ͘ŌĞƌƌĞĂĐŚŝŶŐƚŚĞŽƵƚ-ŽĨ-ƉŽĐŬĞƚ ŵĂdžŝŵƵŵ͕ ƚŚĞ ƉůĂŶ ƉĂLJƐ ϭϬϬй ŽĨ ƚŚĞ ĂůůŽǁĂďůĞĐŚĂƌŐĞƐĨŽƌĐŽǀĞƌĞĚƐĞƌǀŝĐĞƐƚŚĞƌĞƐƚŽĨƚŚĞLJĞĂƌ͘ Deductible ƐĞƚ ĚŽůůĂƌ ĂŵŽƵŶƚ ƚŚĂƚ Ă ƉĞƌƐŽŶ ŵƵƐƚ ƉĂLJ ďĞĨŽƌĞŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞĨŽƌŵĞĚŝĐĂůĞdžƉĞŶƐĞƐĐĂŶďĞŐŝŶ͘ Exclusive Provider Organization (EPO) WKƉůĂŶƐĐŽŵďŝŶĞƚŚĞŇĞdžŝďŝůŝƚLJŽĨWWKƉůĂŶƐǁŝƚŚƚŚĞĐŽƐƚƐĂǀŝŶŐƐŽĨ,DKƉůĂŶƐ͘zŽƵǁŽŶΖƚŶĞĞĚƚŽĐŚŽŽƐĞĂƉƌŝŵĂƌLJĐĂƌĞ ƉŚLJƐŝĐŝĂŶ͕ ĂŶĚ LJŽƵ ĚŽŶΖƚ ŶĞĞĚ ƌĞĨĞƌƌĂůƐ ƚŽ ƐĞĞ ĂƐƉĞĐŝĂůŝƐƚ͘KƵƚ-ŽĨ-ŶĞƚǁŽƌŬƉƌŽǀŝĚĞƌƐĂƌĞŶŽƚĐŽǀĞƌĞĚ͘ ϭϭ Urgent Care Emergency Room ^ŚŽƌƚĞƌǁĂŝƚƟŵĞ >ŽŶŐĞƌǁĂŝƚƟŵĞ >ŽǁĞƌĐŽ-ƉĂLJŵĞŶƚ ,ŝŐŚĞƌĐŽ-ƉĂLJŵĞŶƚ >ĞƐƐ^ĞƌŝŽƵƐŽŶĚŝƟŽŶƐƐƵĐŚĂƐ͗ · ŽůĚ͕ŇƵ͕ŽƌƐŝŶƵƐƉĂŝŶ · ^ƉƌĂŝŶ · ZĂƐŚĞƐĂŶĚŵŝŶŽƌďƵƌŶƐ · ^ŽƌĞƚŚƌŽĂƚ · ĂƌƉĂŝŶ · ŶŝŵĂůŽƌŝŶƐĞĐƚďŝƚĞ · &ĞǀĞƌŽǀĞƌϭϬϭ͘ϱ >ŝĨĞdŚƌĞĂƚĞŶŝŶŐ ŵĞƌŐĞŶĐŝĞƐƐƵĐŚĂƐ͗ · ^ƵĚĚĞŶƐŚŽƌƚŶĞƐƐŽĨďƌĞĂƚŚ · /ŶƚĞŶƐĞĐŚĞƐƚƉĂŝŶ · ^ĞǀĞƌĞĂŶĚƐƵĚĚĞŶƐƚŽŵĂĐŚƉĂŝŶ · ƌŽŬĞŶďŽŶĞ · ^ĞǀĞƌĞďƵƌŶŽƌďůĞĞĚŝŶŐ · ƌƵƐŚŝŶŐŝŶƚĞŶƐĞŚĞĂĚĂĐŚĞ · KƉĞŶǁŽƵŶĚƐ WůĞĂƐĞŶŽƚĞ͗ƚŚŝƐŝƐĨŽƌĐŽŵƉĂƌŝƐŽŶƉƵƌƉŽƐĞƐŽŶůLJ͘/ĨLJŽƵĂƌĞŚĂǀŝŶŐĂŵĞĚŝĐĂůĞŵĞƌŐĞŶĐLJ͕ƉůĞĂƐĞŐŽƚŽLJŽƵƌŶĞĂƌĞƐƚŚŽƐƉŝƚĂůŽƌ ĐŽŶƚĂĐƚϵϭϭŝŵŵĞĚŝĂƚĞůLJ͘ OTHER OPTIONS TO SEEK CARE URGENT CARE VS. EMERGENCY ROOM VISIT Anthem Kaiser Deer Oaks ϮϰͬϳEƵƌƐĞĚǀŝĐĞ>ŝŶĞ ;ϴϬϬͿϯϲϴ-ϰϰϮϰ EƵƌƐĞĚǀŝĐĞ>ŝŶĞ ;ϱϱϵͿϯϮϰ-ϱϭϬϬ ,ĞůƉůŝŶĞŶƵŵďĞƌ ;ϴϴϴͿϵϵϯ-ϳϲϱϬ >ŝǀĞ,ĞĂůƚŚKŶůŝŶĞ ŶƚŚĞŵŵĞŵďĞƌƐŚĂǀĞĂĐĐĞƐƐƚŽĚŽĐƚŽƌƐ ƚŚĂƚ ĂƌĞ ĂǀĂŝůĂďůĞ ϮϰͬϳƚŚƌŽƵŐŚ>ŝǀĞ,ĞĂůƚŚKŶůŝŶĞ͘ŽǁŶͲůŽĂĚ ƚŚĞ ƉƉ ŽŶ 'ŽŽŐůĞ WůĂLJ ŽƌƚŚĞ ƉƉůĞ ^ƚŽƌĞ͘ ŽƉĂLJƐ ĂƌĞ ĂƐĨŽůůŽǁƐ͗ WK͗Ψϭϱ WWKϮϱϬ͗ΨϮϬ WWKϭϬϬϬ͗Ψϰϱϭ ,WWKϭϱϬϬ͗Ψϰϵϭ ,WWKϯϬϬϬ͗Ψϰϵϭ dĞůĞƉŚŽŶĞĂŶĚͬŽƌsŝĚĞŽ ƉƉŽŝŶƚŵĞŶƚϮ <ĂŝƐĞƌ ŵĞŵďĞƌƐ ĐĂŶƐĐŚĞĚƵůĞĂƚĞůĞƉŚŽŶĞŽƌĂǀŝĚĞŽ ĂƉƉŽŝŶƚŵĞŶƚ ŽŶůŝŶĞĂƚǁǁǁ͘ŬƉ͘ŽƌŐŽƌ ĚŽǁŶͲůŽĂĚ ƚŚĞ <ĂŝƐĞƌ ƉƉ ŽŶ'ŽŽŐůĞ WůĂLJ Žƌ ƚŚĞ ƉƉůĞ^ƚŽƌĞ͘EŽĐŽƉĂLJƌĞƋƵŝƌĞĚ͘ ŵƉůŽLJĞĞƐƐŝƐƚĂŶĐĞ WƌŽŐƌĂŵ; WͿ ŵƉůŽLJĞĞƐĂŶĚƚŚĞŝƌĨĂŵŝůLJŵĂLJĂĐĐĞƐƐƚŚĞ WďLJĐĂůůͲŝŶŐƚŚĞ,ĞůƉůŝŶĞŶƵŵďĞƌ͕ŽƌĚŽǁŶůŽĂĚƚŚĞŝŽŶŶĞĐƚzŽƵƉƉŽŶ'ŽŽŐůĞWůĂLJŽƌƚŚĞƉƉůĞ^ƚŽƌĞ͘EŽĐŽƉĂLJƌĞͲƋƵŝƌĞĚ͘^ĞƌǀŝĐĞƐŝŶĐůƵĚĞ͗ ŽƵŶƐĞůŝŶŐϯ >ĞŐĂůƐƐŝƐƚĂŶĐĞ tŽƌŬͬ>ŝĨĞ^ĞƌǀŝĐĞƐ dĂŬĞƚŚĞ,ŝŐŚZŽĂĚϰ ϭĞĚƵĐƟďůĞǁĂŝǀĞĚ͘ ϮsŝĚĞŽĂƉƉŽŝŶƚŵĞŶƚƐƌĞƋƵŝƌĞĂŶŝWŚŽŶĞŽƌŶĚƌŽŝĚƉŚŽŶĞ͕ƉƉůĞŽƌŶĚƌŽŝĚĚĞǀŝĐĞǁŝƚŚǁŝƌĞůĞƐƐĐŽŶŶĞĐƟŽŶ͕ŽƌĂŶƉƉůĞŽƌW ĐŽŵƉƵƚĞƌǁŝƚŚǁĞďĐĂŵĂŶĚŚŝŐŚƐƉĞĞĚŝŶƚĞƌŶĞƚĐŽŶŶĞĐƟŽŶ͘ ϯ ŝŐŚƚ;ϴͿƐĞƐƐŝŽŶƐƉĞƌLJĞĂƌ͘ ϰKŶĞ-ƟŵĞĐĂďƌĞŝŵďƵƌƐĞŵĞŶƚĚƵĞƚŽŝŶĐĂƉĂĐŝƚĂƟŽŶ͕ƵƉƚŽΨϰϱ HUMAN RESOURCES Employee Benefits Division Address ϮϮϮϬdƵůĂƌĞ^ƚƌĞĞƚ͕ϭϰƚŚ&ůŽŽƌ &ƌĞƐŶŽ͕ϵϯϳϮϭ Phone ;ϱϱϵͿϲϬϬ-ϭϴϭϬ Fax ;ϱϱϵͿϰϱϱ-ϰϳϴϳ Email ,ZďĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ Stop Mail ^ƚŽƉηϭϴϴ HUMAN RESOURCES MEDICAL Anthem Blue Cross WŚŽŶĞ;ϴϬϬͿϵϲϳ-ϯϬϭϱ ǁǁǁ͘ĂŶƚŚĞŵ͘ĐŽŵͬĐĂ Kaiser Permanente WŚŽŶĞ;ϴϬϬͿϰϲϰ-ϰϬϬϬ ǁǁǁ͘ŬĂŝƐĞƌƉĞƌŵĂŶĞŶƚĞ͘ŽƌŐ DENTAL Delta Dental DPPO WŚŽŶĞ;ϴϬϬͿϳϲϱ-ϲϬϬϯ www͘deltadentalins.com DeltaCare USA DHMO WŚŽŶĞ;ϴϬϬͿϰϮϮ-ϰϮϯϰ www.ĚĞůƚĂĚĞŶƚĂůŝŶƐ.com VISION Vision Service Plan (VSP) WŚŽŶĞ;ϴϬϬͿϴϳϳ-ϳϭϵϱ www.ǀƐƉ.com PRESCRIPTION EmpiRx WŚŽŶĞ;ϴϳϳͿϮϲϮ-ϳϰϯϱ www.ĞŵƉŝƌdžŚĞĂůƚŚ.com FLEXIBLE SPENDING ACCOUNT Navia Benefit Solutions WŚŽŶĞ;ϴϬϬͿϲϲϵ-ϯϱϯϵ www.ŶĂǀŝĂďĞŶĞĮƚƐ.com RFP 21-033 Exhibit D OCT 12 - NOV 6 , 2020 CONTENTS WůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐďLJƉŚŽŶĞĂƚ;ϱϱϵͿϲϬϬ- ϭϴϭϬŽƌďLJĞŵĂŝůƚŽ,ZĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ͘ĚĚŝͲ ƟŽŶĂůůLJ͕ LJŽƵ ĐĂŶ ǀŝƐŝƚ ƚŚĞ KƉĞŶ ŶƌŽůůŵĞŶƚ ǁĞďƐŝƚĞ Ăƚ ǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ͘ dŚĞ ƐŝƚĞ ŝŶĐůƵĚĞƐ ƌĂƚĞƐ͕ĨŽƌŵƐ͕ĚĞƚĂŝůĞĚƐƵŵŵĂƌŝĞƐ͕ĂŶĚŵƵĐŚŵŽƌĞ͊ QUESTIONS? 2 KƉĞŶ ŶƌŽůůŵĞŶƚ 2 &YƐ 3 DŽŶƚŚůLJWƌĞŵŝƵŵƐ 4 ĞŶƚĂůŽǀĞƌĂŐĞ 4 sŝƐŝŽŶŽǀĞƌĂŐĞ 5 DĞĚŝĐĂůŽǀĞƌĂŐĞ 5 WƌĞƐĐƌŝƉƟŽŶŽǀĞƌĂŐĞ COBRA IMPORTANT DATES CONTENTS OPEN ENROLLMENT October 12 - November 6, 2020 FREQUENTLY ASKED QUESTIONS What is COBRA? dŚĞŽŶƐŽůŝĚĂƚĞĚKŵŶŝďƵƐƵĚŐĞƚZĞĐŽŶĐŝůŝĂƟŽŶ Đƚ;KZͿŝƐƚŚĞ&ĞĚĞƌĂů>ĂǁƚŚĂƚĂůůŽǁƐLJŽƵ ĂŶĚͬŽƌLJŽƵƌĐŽǀĞƌĞĚĚĞƉĞŶĚĞŶƚ;ƐͿƚŚĞŽƉƉŽƌƚƵŶŝͲ ƚLJ ƚŽ ĐŽŶƟŶƵĞ LJŽƵƌ ŚĞĂůƚŚ ŝŶƐƵƌĂŶĐĞ ĐŽǀĞƌĂŐĞ ǁŚĞŶLJŽƵĞdžƉĞƌŝĞŶĐĞĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚƌĞƐƵůƟŶŐ ŝŶĂůŽƐƐŽĨĐŽǀĞƌĂŐĞ͘ŽǀĞƌĂŐĞŝƐĐŽŶƟŶƵĞĚĂƚƚŚĞ ƐĂŵĞ ďĞŶĞĮƚ ůĞǀĞů ŝŵŵĞĚŝĂƚĞůLJ ƉƌĞĐĞĚŝŶŐ ƚŚĞ ƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ͖ŚŽǁĞǀĞƌ͕LJŽƵĂŶĚͬŽƌLJŽƵƌĐŽǀͲ ĞƌĞĚĚĞƉĞŶĚĞŶƚ;ƐͿĂƐƐƵŵĞƚŚĞĨƵůůƉƌĞŵŝƵŵĐŽƐƚ͘ zŽƵĂŶĚͬŽƌLJŽƵƌĐŽǀĞƌĞĚĚĞƉĞŶĚĞŶƚ;ƐͿĂƌĞĞůŝŐŝͲ ďůĞĨŽƌƵƉƚŽƚŚŝƌƚLJ-Ɛŝdž;ϯϲͿŵŽŶƚŚƐŽĨKZĐŽǀͲ ĞƌĂŐĞǁŝƚŚƚŚĞĮƌƐƚĞŝŐŚƚĞĞŶ;ϭϴͿŵŽŶƚŚƐĐŽǀĞƌĞĚ ƵŶĚĞƌ&ĞĚĞƌĂůKZ͕ĂŶĚƚŚĞƐĞĐŽŶĚĞŝŐŚƚĞĞŶ ;ϭϴͿ ŵŽŶƚŚƐ ĐŽǀĞƌĞĚ ƵŶĚĞƌ Ăů-KZ͘ Ăů- KZĐŽǀĞƌĂŐĞĞdžĐůƵĚĞƐĚĞŶƚĂůĂŶĚǀŝƐŝŽŶĐŽǀĞƌͲ ĂŐĞ͘ &ĞĚĞƌĂůKZĂŶĚĂů-KZĐŽǀĞƌĂŐĞĐĂŶďĞ ĐĂŶĐĞůĞĚĂƚĂŶLJƟŵĞ͘ Can I make changes to my health in- surance plan once Open Enrollment is closed? KŶĐĞKƉĞŶ ŶƌŽůůŵĞŶƚĐůŽƐĞƐ͕LJŽƵǁŝůůŶŽƚďĞƉĞƌͲ ŵŝƩĞĚƚŽĞŶƌŽůůĚĞƉĞŶĚĞŶƚƐ͕ŽƌŵĂŬĞƉůĂŶĐŚĂŶŐͲ ĞƐƵŶƟůƚŚĞŶĞdžƚKƉĞŶ ŶƌŽůůŵĞŶƚƉĞƌŝŽĚ͕ƵŶůĞƐƐ LJŽƵĞdžƉĞƌŝĞŶĐĞĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚĂƐĚĞĮŶĞĚďLJ ƚŚĞ/Z^;Ğ͘Ő͘ŵĂƌƌŝĂŐĞ͕ďĞĐŽŵŝŶŐDĞĚŝĐĂƌĞĞůŝŐŝͲ ďůĞ͕ĞƚĐ͘Ϳ͘/ĨLJŽƵĞdžƉĞƌŝĞŶĐĞĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ͕LJŽƵ ŵƵƐƚƐƵďŵŝƚƚŚĞƌĞƋƵŝƌĞĚĚŽĐƵŵĞŶƚĂƟŽŶƚŽ ŵͲ ƉůŽLJĞĞĞŶĞĮƚƐǁŝƚŚŝŶƚŚŝƌƚLJ;ϯϬͿĚĂLJƐŽĨƚŚĞƋƵĂůͲ ŝĨLJŝŶŐĞǀĞŶƚĚĂƚĞ͘zŽƵŵĂLJƌĞŵŽǀĞĚĞƉĞŶĚĞŶƚƐ ĂŶLJ ƟŵĞ ĚƵƌŝŶŐ ƚŚĞ ƉůĂŶ LJĞĂƌ͘ &Žƌ ŵŽƌĞ ŝŶĨŽƌͲ ŵĂƟŽŶŽŶƋƵĂůŝĨLJŝŶŐĞǀĞŶƚƐ͕ƉůĞĂƐĞĐŽŶƚĂĐƚ ŵͲ ƉůŽLJĞĞĞŶĞĮƚƐ͘ How do I make changes to my health insurance? ŽŵƉůĞƚĞ ƚŚĞ ĂƉƉůŝĐĂďůĞ ĨŽƌŵ ĂŶĚ ƐƵďŵŝƚ ƚŽ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ͕ ĂůŽŶŐ ǁŝƚŚ ĂŶLJ ƌĞƋƵŝƌĞĚ ƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚĂƟŽŶ͘&ŽƌŵƐĐĂŶďĞĨŽƵŶĚ ŽŶůŝŶĞĂƚǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ ŽƌĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐƚŽŽďƚĂŝŶƚŚĞĂƉͲ ƉůŝĐĂďůĞĨŽƌŵ͘^ƵďŵŝƚĐŽŵƉůĞƚĞĚĨŽƌŵĂŶĚƐƵƉͲ ƉŽƌƟŶŐĚŽĐƵŵĞŶƚĂƟŽŶďLJŽŶĞŽĨƚŚĞĨŽůůŽǁŝŶŐ ǁĂLJƐ͗ &Ădž͗;ϱϱϵͿϰϱϱ-ϰϳϴϳ ŵĂŝů͗,ZďĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ h^W^DĂŝů͗ϮϮϮϬdƵůĂƌĞ^ƚ͕͘ϭϰƚŚ&ůŽŽƌ͕ &ƌĞƐŶŽ͕ϵϯϳϮϭ Ϯ WůĞĂƐĞ ŶŽƚĞ͗ůů ĨŽƌŵƐ ĂŶĚ ƐƵƉƉŽƌƟŶŐ ĚŽĐƵŵĞŶƚƐ ŵƵƐƚ ďĞ ƌĞĐĞŝǀĞĚ ďLJ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ ŶŽ ůĂƚĞƌ ƚŚĂŶ ϱ͗ϬϬƉŵ ŽŶ &ƌŝĚĂLJ͕ EŽǀĞŵďĞƌ ϲ͕ ϮϬϮϬ͘ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ ŝƐ ŶŽƚ ƌĞƐƉŽŶƐŝďůĞĨŽƌĨŽƌŵƐƐĞŶƚƚŚƌŽƵŐŚh^W^ŵĂŝů ƚŚĂƚ ĂƌĞ ůŽƐƚ Žƌ ĚĞůĂLJĞĚ ĂŶĚ ƚŚĞƌĞĨŽƌĞ ŶŽƚ ƌĞĐĞŝǀĞĚ ďLJ ƚŚĞ ĚĞĂĚůŝŶĞ͘ /ƚ ŝƐ LJŽƵƌ ƌĞƐƉŽŶƐŝďŝůŝƚLJ ƚŽ ĞŶƐƵƌĞ ƚŚĂƚ Ăůů ĨŽƌŵƐ ĂŶĚ ƐƵƉƉŽƌƟŶŐ ĚŽĐƵŵĞŶƚƐ͕ ŝĨ ĂƉƉůŝĐĂďůĞ͕ ĂƌĞ ƌĞĐĞŝǀĞĚďLJƚŚĞĚĞĂĚůŝŶĞ͘/ŶŽƌĚĞƌƚŽĐŽŶĮƌŵ ƌĞĐĞŝƉƚŽĨĨŽƌŵƐĂŶĚͬŽƌƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐ͕ ƉůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐďLJƉŚŽŶĞĂƚ ;ϱϱϵͿ ϲϬϬ-ϭϴϭϬ Žƌ ĞŵĂŝů ƚŽ ,ZĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ͘ ATTENTION: Due to COVID-19, the Employee Benefits office is CLOSED to walk-ins. KƉĞŶ ŶƌŽůůŵĞŶƚŝƐƚŚĞŽŶĞƟŵĞĚƵƌŝŶŐƚŚĞLJĞĂƌƚŚĂƚLJŽƵŵĂLJŵĂŬĞĐŚĂŶŐĞƐƚŽƚŚĞŚĞĂůƚŚŝŶƐƵƌĂŶĐĞ ƉůĂŶƐLJŽƵĂƌĞĐƵƌƌĞŶƚůLJĞŶƌŽůůĞĚŝŶĂŶĚĞŶƌŽůůĚĞƉĞŶĚĞŶƚƐǁŝƚŚŽƵƚĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ͘zŽƵŵĂLJƌĞͲ ŵŽǀĞĚĞƉĞŶĚĞŶƚƐĂŶLJƟŵĞĚƵƌŝŶŐƚŚĞƉůĂŶLJĞĂƌ͘ /ĨLJŽƵĚŽŶŽƚǁŝƐŚƚŽĞŶƌŽůůŽƌŵĂŬĞĂŶLJĐŚĂŶŐĞƐƚŽƚŚĞŚĞĂůƚŚŝŶƐƵƌĂŶĐĞƉůĂŶƐLJŽƵĂƌĞĐƵƌƌĞŶƚůLJĞŶͲ ƌŽůůĞĚŝŶ͕ŶŽĂĐƟŽŶŝƐƌĞƋƵŝƌĞĚŽŶLJŽƵƌƉĂƌƚ͘dŽƌĞǀŝĞǁƚŚĞϮϬϮϭƌĂƚĞƐ͕ƉůĞĂƐĞƐĞĞƉĂŐĞϯ͘dŚĞŶĞǁ ƌĂƚĞƐ͕ĂůŽŶŐǁŝƚŚĂŶLJƉůĂŶĐŚĂŶŐĞƐLJŽƵŵĂŬĞ͕ĂƌĞĞīĞĐƟǀĞ:ĂŶƵĂƌLJϭ͕ϮϬϮϭ͘ W>Eϭ W>EϮ W>Eϯ DĞĚŝĐĂůͬDĞŶƚĂů,ĞĂůƚŚ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ ,DK ŶƚŚĞŵůƵĞƌŽƐƐ WK ŶƚŚĞŵůƵĞƌŽƐƐ WWKϮϱϬ WƌĞƐĐƌŝƉƟŽŶ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ ŵƉŝZdž ŵƉŝZdž sŝƐŝŽŶ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ ĞŶƚĂůWůĂŶƐ ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK DW>Kz K^d DW>Kz K^d DW>Kz K^d ŵƉůŽLJĞĞKŶůLJ ŵƉůŽLJĞĞн^ƉŽƵƐĞ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ ŵƉůŽLJĞĞн&ĂŵŝůLJ W>Eϰ W>Eϱ W>Eϲ DĞĚŝĐĂůͬDĞŶƚĂů,ĞĂůƚŚ ŶƚŚĞŵůƵĞƌŽƐƐ WWKϭϬϬϬ ŶƚŚĞŵůƵĞƌŽƐƐ ,WWKϭϱϬϬ ŶƚŚĞŵůƵĞƌŽƐƐ ,WWKϯϬϬϬ WƌĞƐĐƌŝƉƟŽŶ ŵƉŝZdž ŶƚŚĞŵůƵĞƌŽƐƐ ŶƚŚĞŵůƵĞƌŽƐƐ sŝƐŝŽŶ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ ĞŶƚĂůWůĂŶƐ ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞ h^,DK DW>Kz K^d DW>Kz K^d DW>Kz K^d ŵƉůŽLJĞĞKŶůLJ ŵƉůŽLJĞĞн^ƉŽƵƐĞ ŵƉůŽLJĞĞнŚŝůĚ;ƌĞŶͿ ŵƉůŽLJĞĞн&ĂŵŝůLJ FEDERAL COBRA PREMIUMS CAL-COBRA PREMIUMS EŽƚĞ͗Ăů-KZĐŽǀĞƌĂŐĞĞdžĐůƵĚĞƐĚĞŶƚĂůĂŶĚǀŝƐŝŽŶĐŽǀĞƌĂŐĞ͘dŚĞŽƵŶƚLJĚŽĞƐŶŽƚŽīĞƌƐĞƉĂƌĂƚĞ ĚĞŶƚĂůĂŶĚǀŝƐŝŽŶĐŽǀĞƌĂŐĞ͖ŚŽǁĞǀĞƌ͕ƌĞƟƌĞĚĞŵƉůŽLJĞĞƐŵĂLJĐŽŶƚĂĐƚZ &KďLJĐĂůůŝŶŐ;ϱϱϵͿϰϯϭ- ϱϬϯϮŽƌǀŝƐŝƟŶŐƚŚĞŝƌǁĞďƐŝƚĞ͕ǁǁǁ͘ƌĞĨĐŽϭ͘ŽƌŐĨŽƌŝŶĨŽƌŵĂƟŽŶŽŶŽƚŚĞƌƉůĂŶƐƚŚĂƚŵĂLJďĞĂǀĂŝůĂďůĞ͘ ϯ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ,DK ŶƚŚĞŵůƵĞƌŽƐƐ WK ŶƚŚĞŵůƵĞƌŽƐƐWWKϮϱϬ ŶƚŚĞŵůƵĞƌŽƐƐWWKϭϬϬϬ ŶƚŚĞŵůƵĞƌŽƐƐ,WWKϭϱϬϬ ŶƚŚĞŵůƵĞƌŽƐƐ,WWKϯϬϬϬ WĂƌƚŝĐŝƉĂŶƚ KŶůLJ WĂƌƚŝĐŝƉĂŶƚн ^ƉŽƵƐĞ WĂƌƚŝĐŝƉĂŶƚн ŚŝůĚ;ƌĞŶͿ WĂƌƚŝĐŝƉĂŶƚн &ĂŵŝůLJ DENTAL COVERAGE ϰ Äã½ ½ãÄã½WWK ½ãÙh^,DK ŶŶƵĂůĞĚƵĐƚŝďůĞ ΨϱϬWĞƌWĞƌƐŽŶͬΨϭϱϬWĞƌ&ĂŵŝůLJ ;ĂůĞŶĚĂƌLJĞĂƌͿ EŽĞĚƵĐƚŝďůĞ DĂdžŝŵƵŵĞŶĞĨŝƚƐ ΨϮ͕ϱϬϬWĞƌWĞƌƐŽŶWĞƌzĞĂƌ EŽŶŶƵĂůDĂdžŝŵƵŵ WƌĞǀĞŶƚŝǀĞ^ĞƌǀŝĐĞƐ ϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϭϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ĂƐŝĐ^ĞƌǀŝĐĞƐ ϭϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϭϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ŽƉĂLJŵĂLJďĞƌĞƋƵŝƌĞĚĨŽƌ ƵƉŐƌĂĚĞĚŵĂƚĞƌŝĂůƐͬƐĞƌǀŝĐĞƐ DĂũŽƌ^ĞƌǀŝĐĞƐ ;/ŶĐůƵĚĞƐWĞƌŝŽĚŽŶƟĐ͕ ŶĚŽĚŽŶƟĐ͕ĂŶĚKƌĂů^ƵƌŐĞƌLJͿ ϱϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϱϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ŽƉĂLJŵĂLJďĞƌĞƋƵŝƌĞĚĨŽƌ ƵƉŐƌĂĚĞĚŵĂƚĞƌŝĂůƐͬƐĞƌǀŝĐĞƐ KƌƚŚŽĚŽŶƚŝĂŚŝůĚ ĚƵůƚ Ψϭ͕ϲϲϬŽƉĂLJ Ψϭ͕ϴϴϬŽƉĂLJ KŶĐĞƉĞƌůŝĨĞƚŝŵĞ DĂdžϮϰŵŽŶƚŚƐŽĨƚƌĞĂƚŵĞŶƚ Ψϭ͕ϳϬϬŽƉĂLJ Ψϭ͕ϵϬϬŽƉĂLJ WƌĞ-ĂŶĚƉŽƐƚ-ƚƌĞĂƚŵĞŶƚƐĞƌǀŝĐĞƐ ŚĂǀĞĂĚĚŝƚŝŽŶĂůĐŽƉĂLJŵĞŶƚƐ 'ŽŽĚŽƌĂůŚLJŐŝĞŶĞŝƐŝŵƉŽƌƚĂŶƚƚŽLJŽƵƌŽǀĞƌĂůůŚĞĂůƚŚ͘dŚĞŽƵŶƚLJŽĨ&ƌĞƐŶŽŽīĞƌƐƚǁŽ;ϮͿĐŚŽŝĐĞƐŝŶ ĚĞŶƚĂůƉůĂŶƐ͗ĞůƚĂĞŶƚĂůWWK͕ǁŚŝĐŚŝƐĂĨĞĞ-ĨŽƌ-ƐĞƌǀŝĐĞƉůĂŶǁŝƚŚƚŚĞďĞƐƚĚŝƐĐŽƵŶƚƐƉƌŽǀŝĚĞĚ ǁŝƚŚŝŶƚŚĞĞůƚĂĞŶƚĂůWWKŶĞƚǁŽƌŬ͖ĂŶĚĞůƚĂĂƌĞh^,DK͕ǁŚŝĐŚŚĂƐƐĞƚĐŽƉĂLJƐĨŽƌƐĞƌǀŝĐĞƐ ǁŚĞŶƉƌŽǀŝĚĞĚďLJLJŽƵƌƉƌŝŵĂƌLJĐĂƌĞĚĞŶƟƐƚ͘ s®Ý®ÊÄ;/Ä-EãóÊÙ»Ϳ s^W <®ÝÙ džĂŵŽƉĂLJͬ&ƌĞƋƵĞŶĐLJ ΨϭϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ŽŶƚĂĐƚůůŽǁĂŶĐĞͬ&ƌĞƋƵĞŶĐLJ ΨϭϱϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ &ƌĂŵĞůůŽǁĂŶĐĞͬ&ƌĞƋƵĞŶĐLJ ΨϭϱϬͬ ǀĞƌLJϮϰDŽŶƚŚƐ >ĞŶƐĞƐŽƉĂLJͬ&ƌĞƋƵĞŶĐLJ ^ŝŶŐůĞsŝƐŝŽŶ >ŝŶĞĚŝĨŽĐĂů >ŝŶĞĚdƌŝĨŽĐĂů ^ƚĂŶĚĂƌĚWƌŽŐƌĞƐƐŝǀĞ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ Ψϱϱͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϭϳϱůůŽǁĂŶĐĞͬ ǀĞƌLJϮϰŵŽŶƚŚƐ VISION COVERAGE LJĞ ĞdžĂŵƐ ƐƵƉƉŽƌƚ ĞLJĞ ĂŶĚ ŽǀĞƌĂůůŚĞĂůƚŚ͘/ƚŝƐŝŵƉŽƌƚĂŶƚƚŽ ŚĂǀĞĂŶĞdžĂŵŽŶĐĞĂLJĞĂƌƚŽĞŶͲ ƐƵƌĞƚŚĂƚLJŽƵƌĞLJĞƐĂƌĞŚĞĂůƚŚLJ͘ /ĨLJŽƵĂƌĞŝŶĂŶŶƚŚĞŵŚĞĂůƚŚ ƉůĂŶ͕ LJŽƵƌ ǀŝƐŝŽŶ ŝŶƐƵƌĂŶĐĞ ŝƐ ƚŚƌŽƵŐŚ sŝƐŝŽŶ ^ĞƌǀŝĐĞ WůĂŶ ;s^WͿ͘<ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞŵĞŵͲ ďĞƌƐ ŚĂǀĞ ǀŝƐŝŽŶ ĐŽǀĞƌĂŐĞ ƚŚƌŽƵŐŚ <ĂŝƐĞƌ ĚŝƌĞĐƚůLJ͘ <ĂŝƐĞƌ ŵĞŵďĞƌƐ ŵƵƐƚ ĂĐĐĞƐƐ ƐĞƌǀŝĐĞƐ ĂƚĂ<ĂŝƐĞƌĨĂĐŝůŝƚLJ͕ƵŶůĞƐƐŽƚŚĞƌͲ ǁŝƐĞĂƉƉƌŽǀĞĚďLJ<ĂŝƐĞƌ͘ WƌĞĨĞƌƌĞĚ WƌŽǀŝĚĞƌ KƌŐĂŶŝnjĂƚŝŽŶ ;WWKͿ džĐůƵƐŝǀĞ WƌŽǀŝĚĞƌ KƌŐĂŶŝnjĂƚŝŽŶ ; WKͿ ,ĞĂůƚŚ DĂŝŶƚĞŶĂŶĐĞ KƌŐĂŶŝnjĂƚŝŽŶ ;,DKͿ WƌŝŵĂƌLJĂƌĞWŚLJƐŝĐŝĂŶ;WWͿƌĞƋƵŝƌĞĚ͍ ZĞĨĞƌƌĂůƌĞƋƵŝƌĞĚƚŽƐĞĞĂƐƉĞĐŝĂůŝƐƚ͍ ͞/Ŷ-ŶĞƚǁŽƌŬ͟ďĞŶĞĨŝƚƐ͍ EŽŶ-ĞŵĞƌŐĞŶĐLJ͞ŽƵƚ-ŽĨ-ŶĞƚǁŽƌŬ͟ďĞŶĞĨŝƚƐ͍ ŵĞƌŐĞŶĐLJĐŽǀĞƌĂŐĞ͍ PLAN COMPARISON CHART D®½ <®ÝÙWÙÃÄÄã ,DK Äã«Ã WK ;®Ä-ÄãóÊÙ»ÊĽùͿ /ŶĚŝǀŝĚƵĂůĞĚƵĐƚŝďůĞ ΨϬ ΨϬ &ĂŵŝůLJĞĚƵĐƚŝďůĞ ΨϬ ΨϬ /ŶĚŝǀŝĚƵĂůKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž Ψϭ͕ϬϬϬ Ψϭ͕ϬϬϬ &ĂŵŝůLJKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž ΨϮ͕ϬϬϬ ΨϮ͕ϬϬϬ WƌĞǀĞŶƚŝǀĞĂƌĞ ΨϬ ΨϬ KĨĨŝĐĞsŝƐŝƚŽƉĂLJ Ψϭϱ Ψϭϱ ŵĞƌŐĞŶĐLJZŽŽŵsŝƐŝƚ ΨϭϬϬ ΨϭϬϬ /ŶƉĂƚŝĞŶƚ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ ΨϬ ΨϬ y-ƌĂLJĂŶĚ>Ăď ;ƐŝŵƉůĞ͕ŶŽŶ-ĚŝĂŐŶŽƐƚŝĐͿ ΨϬ ΨϬ ŚŝƌŽƉƌĂĐƚŝĐ ΨϭϬ ΨϭϬ DÄã½,½ã« <®ÝÙWÙÃÄÄã Äã«Ã½çÙÊÝÝ /ŶƉĂƚŝĞŶƚ ΨϬ ΨϬ KƵƚƉĂƚŝĞŶƚ Ψϭϱ Ψϭϱ W«ÙÃù <®ÝÙWÙÃÄÄã ÃÖ®Zø 'ĞŶĞƌŝĐ ΨϭϬ ΨϭϬ WƌĞĨĞƌƌĞĚ ΨϮϬ ΨϮϬ EŽŶ-WƌĞĨĞƌƌĞĚ Eͬ Ψϯϱ KƵƚƉĂƚŝĞŶƚ^ƵƌŐĞƌLJ Ψϭϱ ΨϬ Äã«ÃWWKϮϱϬ ;®Ä-ÄãóÊÙ»Ϳ ΨϮϱϬͬWůĂŶzĞĂƌ ΨϱϬϬͬWůĂŶzĞĂƌ Ψϯ͕ϬϬϬ Ψϱ͕ϬϬϬ ΨϬϭ ΨϮϬϭ ΨϭϬϬ ΨϬ ΨϬ ΨϬ ΨϬ Äã«Ã½çÙÊÝÝ ΨϬ ΨϮϬϭ ÃÖ®Zø ΨϭϬ ΨϮϬ Ψϯϱ MEDICAL & PRESCRIPTION COVERAGE ŚŽŽƐŝŶŐĂŵĞĚŝĐĂůƉůĂŶƚŚĂƚŝƐƌŝŐŚƚĨŽƌLJŽƵĂŶĚLJŽƵƌĨĂŵŝůLJŝƐĂŶŝŵƉŽƌƚĂŶƚĚĞĐŝƐŝŽŶ͘dŚĞŽƵŶƚLJŽĨ &ƌĞƐŶŽŽīĞƌƐƐŝdž;ϲͿĚŝīĞƌĞŶƚƉůĂŶƐƚŽĂůůŽǁLJŽƵƚŽƐĞůĞĐƚƚŚĞĐŽǀĞƌĂŐĞƚŚĂƚďĞƐƚŵĞĞƚƐLJŽƵƌŶĞĞĚƐ͘ ϭĞĚƵĐƟďůĞtĂŝǀĞĚ͘ ϮKŶĞŵĞŵďĞƌŵĂLJďĞƌĞƐƉŽŶƐŝďůĞĨŽƌƵƉƚŽΨϮ͕ϴϬϬŽĨƚŚĞĚĞĚƵĐƟďůĞďĞĨŽƌĞƉůĂŶƐƚĂƌƚƐĐŽŶƚƌŝďƵƟŶŐĨŽƌƚŚĂƚŵĞŵďĞƌ͘^ƵďƐĞƋƵĞŶƚ ŵĞŵďĞƌƐĂƌĞƌĞƐƉŽŶƐŝďůĞĨŽƌƌĞŵĂŝŶŝŶŐΨϮϬϬďĞĨŽƌĞƉůĂŶƐƚĂƌƚƐĐŽŶƚƌŝďƵƟŶŐ͘ ϯŽĞƐŶŽƚĂƉƉůLJƚŽǁĂƌĚƐƚŚĞĚĞĚƵĐƟďůĞ͖ĂƉƉůŝĞƐƚŽƚŚĞŽƵƚ-ŽĨ-ƉŽĐŬĞƚŵĂdžŝŵƵŵ͘ ϱ D®½ Äã«ÃWWKϭϬϬϬ ;®Ä-ÄãóÊÙ»Ϳ Äã«Ã,WWKϭϱϬϬ ;®Ä-ÄãóÊÙ»Ϳ Äã«Ã,WWKϯϬϬϬ ;®Ä-ÄãóÊÙ»Ϳ /ŶĚŝǀŝĚƵĂůĞĚƵĐƚŝďůĞ Ψϭ͕ϬϬϬͬWůĂŶzĞĂƌ Ψϭ͕ϱϬϬͬĂůĞŶĚĂƌzĞĂƌ Ψϯ͕ϬϬϬͬĂůĞŶĚĂƌzĞĂƌ &ĂŵŝůLJĞĚƵĐƚŝďůĞ ΨϮ͕ϬϬϬͬWůĂŶzĞĂƌ Ψϯ͕ϬϬϬͬĂůĞŶĚĂƌzĞĂƌϮ Ψϲ͕ϬϬϬͬĂůĞŶĚĂƌzĞĂƌ /ŶĚŝǀŝĚƵĂůKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž Ψϰ͕ϬϬϬ Ψϯ͕ϬϬϬ Ψϯ͕ϬϬϬ &ĂŵŝůLJKƵƚ-ŽĨ-WŽĐŬĞƚDĂdž Ψϴ͕ϬϬϬ Ψϱ͕ϬϬϬ Ψϲ͕ϬϬϬ WƌĞǀĞŶƚŝǀĞĂƌĞ ΨϬϭ ΨϬϭ ΨϬϭ KĨĨŝĐĞsŝƐŝƚŽƉĂLJ Ψϰϱϭ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ ŵĞƌŐĞŶĐLJZŽŽŵsŝƐŝƚ ΨϭϬϬнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ /ŶƉĂƚŝĞŶƚ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ Ψϭ͕ϬϬϬͬLJĞĂƌϯнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ KƵƚƉĂƚŝĞŶƚ^ƵƌŐĞƌLJ ΨϮϱϬͬƐƵƌŐĞƌLJнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ y-ƌĂLJĂŶĚ>Ăď ;ƐŝŵƉůĞ͕ŶŽŶ-ĚŝĂŐŶŽƐƚŝĐͿ ΨϬ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ ŚŝƌŽƉƌĂĐƚŝĐ ΨϮϱϭ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ DÄã½,½ã« Äã«Ã½çÙÊÝÝ Äã«Ã½çÙÊÝÝ Äã«Ã½çÙÊÝÝ /ŶƉĂƚŝĞŶƚ Ψϭ͕ϬϬϬͬLJĞĂƌϯнϮϬй ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ KƵƚƉĂƚŝĞŶƚ Ψϰϱϭ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ W«ÙÃù ÃÖ®Zø Äã«Ã½çÙÊÝÝ Äã«Ã½çÙÊÝÝ 'ĞŶĞƌŝĐ ΨϭϬ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ WƌĞĨĞƌƌĞĚ ΨϮϬ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ EŽŶ-WƌĞĨĞƌƌĞĚ Ψϯϱ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ΨϬĨƚĞƌĞĚƵĐƚŝďůĞ ϲ MEDICAL & PRESCRIPTION COVERAGE (cont.) dŚŝƐĐŚĂƌƚŝƐĂƐƵŵŵĂƌLJŽĨďĞŶĞĮƚƐ͘WůĞĂƐĞƐĞĞƚŚĞ ǀŝĚĞŶĐĞŽĨŽǀĞƌĂŐĞ; KͿĨŽƌĂĨƵůůĚĞƐĐƌŝƉƟŽŶ ŽĨďĞŶĞĮƚƐ͘/ĨƚŚĞƌĞĂƌĞĂŶLJĚŝƐĐƌĞƉĂŶĐŝĞƐďĞƚǁĞĞŶƚŚŝƐƐƵŵŵĂƌLJĂŶĚƚŚĞ K͕ƚŚĞ KǁŝůůƉƌĞǀĂŝů͘ HUMAN RESOURCES MEDICAL Anthem Blue Cross WŚŽŶĞ;ϴϬϬͿϵϲϳ-ϯϬϭϱ ǁǁǁ͘ĂŶƚŚĞŵ͘ĐŽŵͬĐĂ Kaiser Permanente WŚŽŶĞ;ϴϬϬͿϰϲϰ-ϰϬϬϬ ǁǁǁ͘ŬĂŝƐĞƌƉĞƌŵĂŶĞŶƚĞ͘ŽƌŐ DENTAL Delta Dental DPPO WŚŽŶĞ;ϴϬϬͿϳϲϱ-ϲϬϬϯ www͘deltadentalins.com DeltaCare USA DHMO WŚŽŶĞ;ϴϬϬͿϰϮϮ-ϰϮϯϰ www.ĚĞůƚĂĚĞŶƚĂůŝŶƐ.com VISION Vision Service Plan (VSP) WŚŽŶĞ;ϴϬϬͿϴϳϳ-ϳϭϵϱ www.ǀƐƉ.com PRESCRIPTION EmpiRx WŚŽŶĞ;ϴϳϳͿϮϲϮ-ϳϰϯϱ www.ĞŵƉŝƌdžŚĞĂůƚŚ.com THIRD PARTY ADMINISTRATOR Administrative Solutions , Inc. (ASI) WŚŽŶĞ;ϱϱϵͿϮϱϲ-ϭϯϮϬ www.ĂƐŝďĞŶĞĮƚƐ͘ĐŽŵ HUMAN RESOURCES Employee Benefits Division Address ϮϮϮϬdƵůĂƌĞ^ƚƌĞĞƚ͕ϭϰƚŚ&ůŽŽƌ &ƌĞƐŶŽ͕ϵϯϳϮϭ Phone ;ϱϱϵͿϲϬϬ-ϭϴϭϬ Fax ;ϱϱϵͿϰϱϱ-ϰϳϴϳ Email ,ZďĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ Stop Mail ^ƚŽƉηϭϴϴ RFP 21-033 Exhibit E COUNTY OF FRESNO OPEN ENROLLMENT | PLAN YEAR 2021OPEN ENROLLMENT ZĞƟƌĞĞĮƌƐƚ^ĞƌǀŝĐĞƐΘ džƉĞƌŝĞŶĐĞŚĂƌƚ CONTENTS WůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐďLJƉŚŽŶĞĂƚ;ϱϱϵͿϲϬϬ- ϭϴϭϬ Žƌ ďLJ ĞŵĂŝů ƚŽ ,ZĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ͘ ĚĚŝƟŽŶĂůůLJ͕LJŽƵĐĂŶǀŝƐŝƚƚŚĞKƉĞŶ ŶƌŽůůŵĞŶƚǁĞďƐŝƚĞĂƚ ǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ͘ dŚĞ ƐŝƚĞ ŝŶĐůƵĚĞƐ ƌĂƚĞƐ͕ĨŽƌŵƐ͕ĚĞƚĂŝůĞĚƐƵŵŵĂƌŝĞƐ͕ĂŶĚŵƵĐŚŵŽƌĞ͊ QUESTIONS? 2 KƉĞŶ ŶƌŽůůŵĞŶƚ 2 /ŵƉŽƌƚĂŶƚ/ŶĨŽƌŵĂƟŽŶ 3 /ŵƉŽƌƚĂŶƚĂƚĞƐ 4 DŽŶƚŚůLJWƌĞŵŝƵŵƐ 5 ĞŶƚĂůŽǀĞƌĂŐĞ 5 sŝƐŝŽŶŽǀĞƌĂŐĞ 6 EŽŶ-DĞĚŝĐĂƌĞ DĞĚŝĐĂůŽǀĞƌĂŐĞ 7 DĞĚŝĐĂƌĞDĞĚŝĐĂů ŽǀĞƌĂŐĞ 9 RETIREES 8 hŶŝƚĞĚŵĞƌŝĐĂŶͬ ZĞƟƌĞĞĮƌƐƚǁŝƚŚ hŶŝƚĞĚ,ĞĂůƚŚĐĂƌĞZdž 10 &ƌĞƋƵĞŶƚůLJƐŬĞĚ YƵĞƐƟŽŶƐ CONTENTS OPEN ENROLLMENT KƉĞŶ ŶƌŽůůŵĞŶƚŝƐƚŚĞŽŶĞƟŵĞĚƵƌŝŶŐƚŚĞLJĞĂƌƚŚĂƚLJŽƵŵĂLJĞŶƌŽůůŝŶŽŶĞŽĨƚŚĞŽƵŶƚLJ͛Ɛ ŚĞĂůƚŚƉůĂŶƐ͕ŵĂŬĞĐŚĂŶŐĞƐƚŽƚŚĞŚĞĂůƚŚŝŶƐƵƌĂŶĐĞƉůĂŶƐLJŽƵĂƌĞĐƵƌƌĞŶƚůLJĞŶƌŽůůĞĚŝŶ͕ĂŶĚ ĞŶƌŽůůĚĞƉĞŶĚĞŶƚƐǁŝƚŚŽƵƚĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ͘ dŽƌĞǀŝĞǁƚŚĞϮϬϮϭƉůĂŶLJĞĂƌƌĂƚĞƐ͕ƉůĞĂƐĞƐĞĞƉĂŐĞϰ͘dŚĞŶĞǁƌĂƚĞƐ͕ĂůŽŶŐǁŝƚŚĂŶLJƉůĂŶ ĐŚĂŶŐĞƐLJŽƵŵĂŬĞ͕ĂƌĞĞīĞĐƟǀĞ:ĂŶƵĂƌLJϭ͕ϮϬϮϭǁŝƚŚƚŚĞĮƌƐƚĚĞĚƵĐƟŽŶŽĐĐƵƌƌŝŶŐŽŶLJŽƵƌ ĞĐĞŵďĞƌϯϭ͕ϮϬϮϬƉĞŶƐŝŽŶƐƚĂƚĞŵĞŶƚ͘ October 12 - November 6, 2020 IMPORTANT INFORMATION Health Plan Changes dŚĞƌĞ ĂƌĞ ŶŽ ŚĞĂůƚŚ ƉůĂŶ ĐŚĂŶŐĞƐ ĨŽƌ ƚŚĞ ϮϬϮϭƉůĂŶLJĞĂƌ͘/ĨLJŽƵĚŽŶŽƚǁŝƐŚƚŽĞŶƌŽůů ŽƌŵĂŬĞĂŶLJĐŚĂŶŐĞƐƚŽƚŚĞŚĞĂůƚŚŝŶƐƵƌĂŶĐĞ ƉůĂŶƐ LJŽƵ ĂƌĞ ĐƵƌƌĞŶƚůLJ ĞŶƌŽůůĞĚ ŝŶ͕ŶŽ ĂĐƟŽŶŝƐƌĞƋƵŝƌĞĚŽŶLJŽƵƌƉĂƌƚ͘ Changes After Open Enrollment KŶĐĞ KƉĞŶ ŶƌŽůůŵĞŶƚ ŝƐ ĐůŽƐĞĚ͕ LJŽƵ ŵĂLJ ƚĞƌŵŝŶĂƚĞ ĐŽǀĞƌĂŐĞ ĂŶĚͬŽƌ ƌĞŵŽǀĞ ĚĞƉĞŶĚĞŶƚƐ ǁŝƚŚŽƵƚ Ă ƋƵĂůŝĨLJŝŶŐ ĞǀĞŶƚ Ăƚ ĂŶLJƟŵĞĚƵƌŝŶŐƚŚĞƉůĂŶLJĞĂƌǁŚĞŶĂϯϬĚĂLJ ŶŽƟĐĞ ŝƐ ƉƌŽǀŝĚĞĚ͘ KŶĐĞ KƉĞŶ ŶƌŽůůŵĞŶƚ ĐůŽƐĞƐ͕LJŽƵǁŝůůŶŽƚďĞƉĞƌŵŝƩĞĚƚŽĞŶƌŽůůŽƌ ŵĂŬĞ ĐŚĂŶŐĞƐ ƵŶƟů ƚŚĞ ŶĞdžƚ KƉĞŶ ŶƌŽůůŵĞŶƚƉĞƌŝŽĚ͕ƵŶůĞƐƐLJŽƵĞdžƉĞƌŝĞŶĐĞĂ ƋƵĂůŝĨLJŝŶŐĞǀĞŶƚĂƐĚĞĮŶĞĚďLJƚŚĞ/Z^;Ğ͘Ő͘ ŵĂƌƌŝĂŐĞ͕ďĞĐŽŵŝŶŐDĞĚŝĐĂƌĞĞůŝŐŝďůĞ͕ĞƚĐ͘Ϳ͘ /Ĩ LJŽƵ ĞdžƉĞƌŝĞŶĐĞ Ă ƋƵĂůŝĨLJŝŶŐ ĞǀĞŶƚ͕ LJŽƵ ŵƵƐƚƐƵďŵŝƚƚŚĞƌĞƋƵŝƌĞĚĚŽĐƵŵĞŶƚĂƟŽŶƚŽ ŵƉůŽLJĞĞĞŶĞĮƚƐǁŝƚŚŝŶƚŚŝƌƚLJ;ϯϬͿĚĂLJƐŽĨ ƚŚĞƋƵĂůŝĨLJŝŶŐĞǀĞŶƚĚĂƚĞ͘WůĞĂƐĞŶŽƚĞ͕ŝĨLJŽƵ ďĞĐŽŵĞ DĞĚŝĐĂƌĞ ĞůŝŐŝďůĞ Ăƚ ĂŶLJ ƟŵĞ ƚŚƌŽƵŐŚŽƵƚƚŚĞLJĞĂƌ͕LJŽƵǁŝůůďĞƉĞƌŵŝƩĞĚ ƚŽ ĞŶƌŽůů ŝŶ ŽŶĞ ŽĨ ƚŚĞ ƌĞƟƌĞĞ DĞĚŝĐĂƌĞ ƐƵƉƉůĞŵĞŶƚĂů Žƌ ĂĚǀĂŶƚĂŐĞ ƉůĂŶƐ͘ /ƚ ŝƐ ƌĞĐŽŵŵĞŶĚĞĚƚŚĂƚLJŽƵĐŽŶƚĂĐƚŽƵƌŽĸĐĞĂƐ ƐŽŽŶĂƐLJŽƵƌĞĐĞŝǀĞLJŽƵƌDĞĚŝĐĂƌĞĐĂƌĚ͘&Žƌ ŵŽƌĞ ŝŶĨŽƌŵĂƟŽŶ ŽŶ ƋƵĂůŝĨLJŝŶŐ ĞǀĞŶƚƐ͕ ƉůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐ͘ How to make Changes/Enroll ŽŵƉůĞƚĞƚŚĞĂƉƉůŝĐĂďůĞĨŽƌŵ;ƐͿĂŶĚƐƵďŵŝƚ ƚŽ ŵƉůŽLJĞĞ ĞŶĞĮƚƐ͕ ĂůŽŶŐ ǁŝƚŚ ĂŶLJ ƌĞƋƵŝƌĞĚƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚĂƟŽŶ͘WůĞĂƐĞ ǀŝƐŝƚǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ ŽƌĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐƚŽŽďƚĂŝŶƚŚĞ ĂƉƉůŝĐĂďůĞĨŽƌŵ͘^ƵďŵŝƚĐŽŵƉůĞƚĞĚĨŽƌŵ;ƐͿ ĂŶĚ ƐƵƉƉŽƌƟŶŐ ĚŽĐƵŵĞŶƚĂƟŽŶ ďLJ ŽŶĞ ŽĨ ƚŚĞĨŽůůŽǁŝŶŐǁĂLJƐ͗ &Ădž͗;ϱϱϵͿϰϱϱ-ϰϳϴϳ ŵĂŝů͗,ZďĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ h^W^DĂŝů͗ϮϮϮϬdƵůĂƌĞ^ƚ͕͘ϭϰƚŚ&ůŽŽƌ͕ &ƌĞƐŶŽ͕ϵϯϳϮϭ Ϯ Submission ůůĨŽƌŵƐĂŶĚƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐŵƵƐƚďĞƌĞĐĞŝǀĞĚďLJ ŵƉůŽLJĞĞĞŶĞĮƚƐŶŽůĂƚĞƌƚŚĂŶ ϱ͗ϬϬƉŵŽŶ&ƌŝĚĂLJ͕EŽǀĞŵďĞƌϲ͕ϮϬϮϬ͘ ŵƉůŽLJĞĞĞŶĞĮƚƐŝƐŶŽƚƌĞƐƉŽŶƐŝďůĞĨŽƌĨŽƌŵƐƐĞŶƚ ƚŚƌŽƵŐŚh^W^ŵĂŝůƚŚĂƚĂƌĞůŽƐƚŽƌĚĞůĂLJĞĚ͕ĂŶĚƚŚĞƌĞĨŽƌĞŶŽƚƌĞĐĞŝǀĞĚďLJƚŚĞĚĞĂĚůŝŶĞ͘/ƚŝƐ LJŽƵƌƌĞƐƉŽŶƐŝďŝůŝƚLJƚŽĞŶƐƵƌĞƚŚĂƚĂůůĨŽƌŵƐĂŶĚƐƵƉƉŽƌƟŶŐ ĚŽĐƵŵĞŶƚƐ͕ŝĨĂƉƉůŝĐĂďůĞ͕ĂƌĞ ƌĞĐĞŝǀĞĚďLJƚŚĞĚĞĂĚůŝŶĞ͘/ŶŽƌĚĞƌƚŽĐŽŶĮƌŵƌĞĐĞŝƉƚŽĨĨŽƌŵƐĂŶĚͬŽƌƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐ͕ ƉůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐ͘ ATTENTION: Due to COVID-19, the Employee Benefits office is CLOSED to walk-ins. ϯ IMPORTANT DATES ELIGIBLE DEPENDENTS ĞůŽǁŝƐĂůŝƐƚŽĨĞůŝŐŝďůĞĚĞƉĞŶĚĞŶƚƐĂŶĚƚŚĞƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐƌĞƋƵŝƌĞĚƚŽĞŶƌŽůůƚŚĞŵŝŶƚŽ LJŽƵƌŚĞĂůƚŚŝŶƐƵƌĂŶĐĞƉůĂŶ͘ĞƉĞŶĚĞŶƚĐŚŝůĚƌĞŶĂƌĞĞůŝŐŝďůĞƵŶƟůƚŚĞLJƌĞĂĐŚϮϲLJĞĂƌƐŽĨĂŐĞ͘ Eligible Dependents Required Document(s) ^ƉŽƵƐĞ ĞƌƟĮĞĚDĂƌƌŝĂŐĞĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚ ŽŵĞƐƟĐWĂƌƚŶĞƌ ĞĐůĂƌĂƟŽŶŽĨŽŵĞƐƟĐWĂƌƚŶĞƌƐŚŝƉĮůĞĚǁŝƚŚƚŚĞĂůŝĨŽƌŶŝĂ^ĞĐƌĞƚĂƌLJŽĨ^ƚĂƚĞ ŚŝůĚ ĞƌƟĮĞĚŝƌƚŚĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚ ĚŽƉƚĞĚŚŝůĚ ĚŽƉƟŽŶKƌĚĞƌŽƌƚŚĞĞƌƟĮĞĚŝƌƚŚĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚ ^ƚĞƉŚŝůĚ ĞƌƟĮĞĚŝƌƚŚĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚĂŶĚĂĞƌƟĮĞĚDĂƌƌŝĂŐĞĞƌƟĮĐĂƚĞͬďƐƚƌĂĐƚͬĞĐůĂƌĂƟŽŶŽĨŽŵĞƐƟĐWĂƌƚŶĞƌƐŚŝƉƐŚŽǁŝŶŐLJŽƵƌƐƉŽƵƐĞͬƌĞŐŝƐƚĞƌĞĚĚŽŵĞƐƟĐƉĂƌƚŶĞƌĂƐƚŚĞĐŚŝůĚ͛ƐƉĂƌĞŶƚ ŚŝůĚŽĨ>ĞŐĂů'ƵĂƌĚŝĂŶƐŚŝƉ >ĞƩĞƌƐŽĨ'ƵĂƌĚŝĂŶƐŚŝƉĮůĞĚǁŝƚŚƚŚĞĐŽƵƌƚƐ WůĞĂƐĞŶŽƚĞ͗ƚŚĞƌĞƋƵŝƌĞĚĚŽĐƵŵĞŶƚƐůŝƐƚĞĚĂďŽǀĞŵƵƐƚďĞƐƵďŵŝƩĞĚĞĂĐŚƟŵĞĂĚĞƉĞŶĚĞŶƚŝƐĂĚĚĞĚƚŽLJŽƵƌŚĞĂůƚŚŝŶƐƵƌĂŶĐĞ͕ ϰ EKE-D /Z ;hŶĚĞƌŐĞϲϱͿ D /Z ^hWW> D Ed> ;ŐĞϲϱĂŶĚKǀĞƌͿ W>Eϭ W>EϮ DĞĚŝĐĂůͬDĞŶƚĂů,ĞĂůƚŚ ŶƚŚĞŵůƵĞƌŽƐƐ,WWK hŶŝƚĞĚŵĞƌŝĐĂŶ WƌĞƐĐƌŝƉƚŝŽŶ ŶƚŚĞŵůƵĞƌŽƐƐ hŶŝƚĞĚ,ĞĂůƚŚĐĂƌĞZdž sŝƐŝŽŶ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ sŝƐŝŽŶ^ĞƌǀŝĐĞWůĂŶ;s^WͿ ĞŶƚĂůWůĂŶƐ ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞh^ ,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞh^ ,DK Zã®ÙÊÝã Zã®ÙÊÝã ZĞƚŝƌĞĞKŶůLJ ΨϵϵϬ͘ϱϵ Ψϵϲϳ͘ϲϴ Ψϰϵϲ͘ϱϮ Ψϰϳϯ͘ϲϭ ZĞƚŝƌĞĞн^ƉŽƵƐĞ Ψϭ͕ϳϯϳ͘ϯϲ Ψϭ͕ϳϬϰ͘ϲϴ Ψϵϱϰ͘ϰϰ ΨϵϮϭ͘ϳϲ ZĞƚŝƌĞĞнŚŝůĚ;ƌĞŶͿ Ψϭ͕ϱϯϲ͘ϰϱ Ψϭ͕ϱϭϰ͘ϰϬ ZĞƚŝƌĞĞн&ĂŵŝůLJ ΨϮ͕Ϯϳϵ͘ϴϱ ΨϮ͕Ϯϰϲ͘ϮϮ EKE-D /Z ΘD /Z ;hŶĚĞƌŐĞϲϱǁŝƚŚŶƚŚĞŵнŐĞϲϱĂŶĚKǀĞƌǁŝƚŚhŶŝƚĞĚŵĞƌŝĐĂŶͬZĞƟƌĞĞĮƌƐƚͿ ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞh^ ,DK ZĞƟƌĞĞDĞĚŝĐĂƌĞн^ƉŽƵƐĞEŽŶ-DĞĚŝĐĂƌĞ Ψϭ͕ϰϲϱ͘ϭϰ Ψϭ͕ϰϯϮ͘ϰϲ ZĞƟƌĞĞEŽŶ-DĞĚŝĐĂƌĞн^ƉŽƵƐĞDĞĚŝĐĂƌĞ Ψϭ͕ϰϲϱ͘ϭϰ Ψϭ͕ϰϯϮ͘ϰϲ D /Z sEd' W>E^ ;ŐĞϲϱĂŶĚKǀĞƌͿ W>Eϯ W>Eϰ DĞĚŝĐĂůͬDĞŶƚĂů,ĞĂůƚŚ <ĂŝƐĞƌ^ĞŶŝŽƌĚǀĂŶƚĂŐĞ,ŝŐŚ <ĂŝƐĞƌ^ĞŶŝŽƌĚǀĂŶƚĂŐĞ>Žǁ WƌĞƐĐƌŝƉƚŝŽŶ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ sŝƐŝŽŶ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ <ĂŝƐĞƌWĞƌŵĂŶĞŶƚĞ ĞŶƚĂůWůĂŶƐ ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞh^ ,DK ĞůƚĂĞŶƚĂů WWK Žƌ ĞůƚĂĂƌĞh^ ,DK Zã®ÙÊÝã Zã®ÙÊÝã ZĞƚŝƌĞĞKŶůLJ Ψϯϵϲ͘ϰϰ Ψϯϳϯ͘ϱϯ ΨϯϮϮ͘ϵϭ ΨϯϬϬ͘ϬϬ ZĞƚŝƌĞĞн^ƉŽƵƐĞ Ψϳϱϱ͘ϱϳ ΨϳϮϮ͘ϴϵ ΨϲϬϴ͘ϱϭ Ψϱϳϱ͘ϴϯ Zã®ÙÊÝã EŽƚĂůůZĞƟƌĞĞƌĂƚĞĐĂƚĞŐŽƌŝĞƐĂƌĞŝŶĐůƵĚĞĚŝŶƚŚŝƐĐŽŵƉĂƌŝƐŽŶƐŚĞĞƚ͘WůĞĂƐĞĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐĂƚ;ϱϱϵͿϲϬϬ-ϭϴϭϬŽƌĞŵĂŝůƵƐĂƚ,ZĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀŝĨLJŽƵƌƐŝƚƵĂƟŽŶŝƐŶŽƚŝĚĞŶƟĮĞĚ͘ MONTHLY PREMIUMS DENTAL COVERAGE Äã½ ½ãÄã½WWK ½ãÙh^,DK ŶŶƵĂůĞĚƵĐƚŝďůĞ ΨϱϬWĞƌWĞƌƐŽŶͬΨϭϱϬWĞƌ&ĂŵŝůLJ ;ĂůĞŶĚĂƌLJĞĂƌͿ EŽĞĚƵĐƚŝďůĞ DĂdžŝŵƵŵĞŶĞĨŝƚƐ ΨϮ͕ϱϬϬWĞƌWĞƌƐŽŶWĞƌzĞĂƌ EŽŶŶƵĂůDĂdžŝŵƵŵ WƌĞǀĞŶƚŝǀĞ^ĞƌǀŝĐĞƐ ϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϭϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ĂƐŝĐ^ĞƌǀŝĐĞƐ ϭϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϭϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ŽƉĂLJŵĂLJďĞƌĞƋƵŝƌĞĚĨŽƌ ƵƉŐƌĂĚĞĚŵĂƚĞƌŝĂůƐͬƐĞƌǀŝĐĞƐ DĂũŽƌ^ĞƌǀŝĐĞƐ ;/ŶĐůƵĚĞƐWĞƌŝŽĚŽŶƟĐ͕ ŶĚŽĚŽŶƟĐ͕ĂŶĚKƌĂů^ƵƌŐĞƌLJͿ ϱϬйŽŝŶƐƵƌĂŶĐĞ;/Ŷ-EĞƚǁŽƌŬͿ ϱϬйŽŝŶƐƵƌĂŶĐĞ;KƵƚ-ŽĨ-EĞƚǁŽƌŬͿ ΨϬŽƉĂLJ;DŽƐƚ^ĞƌǀŝĐĞƐͿ ŽƉĂLJŵĂLJďĞƌĞƋƵŝƌĞĚĨŽƌ ƵƉŐƌĂĚĞĚŵĂƚĞƌŝĂůƐͬƐĞƌǀŝĐĞƐ KƌƚŚŽĚŽŶƚŝĂŚŝůĚ ĚƵůƚ Ψϭ͕ϲϲϬŽƉĂLJ Ψϭ͕ϴϴϬŽƉĂLJ KŶĐĞƉĞƌůŝĨĞƚŝŵĞ DĂdžϮϰŵŽŶƚŚƐŽĨƚƌĞĂƚŵĞŶƚ Ψϭ͕ϳϬϬŽƉĂLJ Ψϭ͕ϵϬϬŽƉĂLJ WƌĞ-ĂŶĚƉŽƐƚ-ƚƌĞĂƚŵĞŶƚƐĞƌǀŝĐĞƐ ŚĂǀĞĂĚĚŝƚŝŽŶĂůĐŽƉĂLJŵĞŶƚƐ 'ŽŽĚŽƌĂůŚLJŐŝĞŶĞŝƐŝŵƉŽƌƚĂŶƚƚŽLJŽƵƌŽǀĞƌĂůůŚĞĂůƚŚ͘dŚĞŽƵŶƚLJŽĨ&ƌĞƐŶŽŽīĞƌƐƚǁŽ;ϮͿĐŚŽŝĐĞƐŝŶ ĚĞŶƚĂůƉůĂŶƐ͗ĞůƚĂĞŶƚĂůWWK͕ǁŚŝĐŚŝƐĂĨĞĞ-ĨŽƌ-ƐĞƌǀŝĐĞƉůĂŶǁŝƚŚƚŚĞďĞƐƚĚŝƐĐŽƵŶƚƐƉƌŽǀŝĚĞĚ ǁŝƚŚŝŶƚŚĞĞůƚĂĞŶƚĂůWWKŶĞƚǁŽƌŬ͖ĂŶĚĞůƚĂĂƌĞh^,DKǁŚŝĐŚŚĂƐƐĞƚĐŽƉĂLJƐĨŽƌƐĞƌǀŝĐĞƐ ǁŚĞŶƉƌŽǀŝĚĞĚďLJLJŽƵƌƉƌŝŵĂƌLJĐĂƌĞĚĞŶƟƐƚ͘ s®Ý®ÊÄ;/Ä-EãóÊÙ»Ϳ s^W <®ÝÙ,®¦«KÖã®ÊÄ džĂŵŽƉĂLJͬ&ƌĞƋƵĞŶĐLJ ΨϭϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ŽŶƚĂĐƚůůŽǁĂŶĐĞͬ&ƌĞƋƵĞŶĐLJ ΨϭϱϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ &ƌĂŵĞůůŽǁĂŶĐĞͬ&ƌĞƋƵĞŶĐLJ ΨϭϱϬͬ ǀĞƌLJϮϰDŽŶƚŚƐ >ĞŶƐĞƐŽƉĂLJͬ&ƌĞƋƵĞŶĐLJ ^ŝŶŐůĞsŝƐŝŽŶ >ŝŶĞĚŝĨŽĐĂů >ŝŶĞĚdƌŝĨŽĐĂů ^ƚĂŶĚĂƌĚWƌŽŐƌĞƐƐŝǀĞ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϬͬ ǀĞƌLJϭϮDŽŶƚŚƐ Ψϱϱͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϭϳϱůůŽǁĂŶĐĞͬ ǀĞƌLJϮϰŵŽŶƚŚƐ <®ÝÙ>ÊóKÖã®ÊÄ ΨϮϱͬ ǀĞƌLJϭϮDŽŶƚŚƐ ΨϭϳϱůůŽǁĂŶĐĞͬ ǀĞƌLJϮϰŵŽŶƚŚƐ VISION COVERAGE LJĞ ĞdžĂŵƐ ƐƵƉƉŽƌƚ ĞLJĞ ĂŶĚ ŽǀĞƌĂůůŚĞĂůƚŚ͘/ƚŝƐŝŵƉŽƌƚĂŶƚƚŽ ŚĂǀĞ ĂŶ ĞdžĂŵ ŽŶĐĞ Ă LJĞĂƌ ƚŽ ĞŶƐƵƌĞ ƚŚĂƚ LJŽƵƌ ĞLJĞƐ ĂƌĞ ŚĞĂůƚŚLJ͘/ĨLJŽƵĂƌĞŝŶĂŶŶƚŚĞŵ Žƌ hŶŝƚĞĚ ŵĞƌŝĐĂŶ ŚĞĂůƚŚ ƉůĂŶ͕ LJŽƵƌ ǀŝƐŝŽŶ ŝŶƐƵƌĂŶĐĞ ŝƐ ƚŚƌŽƵŐŚ sŝƐŝŽŶ ^ĞƌǀŝĐĞ WůĂŶ ;s^WͿ͘ <ĂŝƐĞƌ WĞƌŵĂŶĞŶƚĞŵĞŵďĞƌƐŚĂǀĞǀŝƐŝŽŶ ĐŽǀĞƌĂŐĞƚŚƌŽƵŐŚ<ĂŝƐĞƌĚŝƌĞĐƚůLJ͘ <ĂŝƐĞƌ ŵĞŵďĞƌƐ ŵƵƐƚ ĂĐĐĞƐƐ ƐĞƌǀŝĐĞƐĂƚĂ<ĂŝƐĞƌĨĂĐŝůŝƚLJ͕ƵŶůĞƐƐ ŽƚŚĞƌǁŝƐĞĂƉƉƌŽǀĞĚďLJ<ĂŝƐĞƌ͘ ϱ Ɛ Ă ƌĞƟƌĞĞ͕ ƚŚĞ ŚĞĂůƚŚ ďĞŶĞĮƚƐ ĂǀĂŝůĂďůĞ ƚŽ LJŽƵƉƌŽǀŝĚĞŝŵƉŽƌƚĂŶƚƉƌŽƚĞĐƟŽŶĨŽƌLJŽƵĂŶĚ LJŽƵƌĨĂŵŝůLJŝŶĐĂƐĞŽĨŝůůŶĞƐƐŽƌŝŶũƵƌLJ͘ dŚĞŽƵŶƚLJŽīĞƌƐĂƐĞƌŝĞƐŽĨŚĞĂůƚŚĐŽǀĞƌĂŐĞ ŽƉƟŽŶƐ͘ŚŽŽƐŝŶŐĂŚĞĂůƚŚĐŽǀĞƌĂŐĞŽƉƟŽŶŝƐ ĂŶ ŝŵƉŽƌƚĂŶƚ ĚĞĐŝƐŝŽŶ͘ dŽ ŚĞůƉ LJŽƵ ŵĂŬĞ ĂŶ ŝŶĨŽƌŵĞĚĐŚŽŝĐĞ͕LJŽƵƌƉůĂŶŵĂŬĞƐĂǀĂŝůĂďůĞĂ ^ƵŵŵĂƌLJ ŽĨ ĞŶĞĮƚƐ ĂŶĚ ŽǀĞƌĂŐĞ ;^Ϳ͕ ǁŚŝĐŚ ƐƵŵŵĂƌŝnjĞƐ ŝŵƉŽƌƚĂŶƚ ŝŶĨŽƌŵĂƟŽŶ ĂďŽƵƚĂŶLJŚĞĂůƚŚĐŽǀĞƌĂŐĞŽƉƟŽŶŝŶĂƐƚĂŶĚĂƌĚ ĨŽƌŵĂƚ͕ƚŽŚĞůƉLJŽƵĐŽŵƉĂƌĞŽƉƟŽŶƐ͘ dŚĞ ^ ŝƐ ĂǀĂŝůĂďůĞ ŽŶ ƚŚĞ ǁĞď Ăƚ ǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ͘ ƉĂƉĞƌĐŽƉLJŝƐĂůƐŽĂǀĂŝůĂďůĞ͕ĨƌĞĞŽĨĐŚĂƌŐĞ͕ ďLJĐĂůůŝŶŐ ŵƉůŽLJĞĞĞŶĞĮƚƐĂƚ;ϱϱϵͿϲϬϬ-ϭϴϭϬ͘ ϭOne member responsible for up to $2,800 of the deductible before the plan starts contributing for that member. Second member responsible for remaining $200 before plan starts contributing. ϮDeductible Waived. Äã«Ã½çÙÊÝÝ,WWK /Ä-EãóÊÙ» Kçã-Ê¥-EãóÊÙ» ½ÄÙzÙçã®½Ý /ŶĚŝǀŝĚƵĂů Ψϭ͕ϱϬϬ Ψϭ͕ϱϬϬ &ĂŵŝůLJ Ψϯ͕ϬϬϬϭ Ψϯ͕ϬϬϬϭ ÄÄç½Kçã-Ê¥-WÊ»ãDø /ŶĚŝǀŝĚƵĂů Ψϯ͕ϬϬϬ ΨϭϬ͕ϬϬϬ &ĂŵŝůLJ Ψϱ͕ϬϬϬ Ψϭϱ͕ϬϬϬ ^Ùò®Ý WƌĞǀĞŶƚŝǀĞĂƌĞ ΨϬϮ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ KĨĨŝĐĞsŝƐŝƚŽƉĂLJ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ ŵĞƌŐĞŶĐLJZŽŽŵsŝƐŝƚ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ /ŶƉĂƚŝĞŶƚ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ y-ƌĂLJĂŶĚ>Ăď;ƐŝŵƉůĞ͕ŶŽŶ-ĚŝĂŐŶŽƐƚŝĐͿ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ ůůĞƌŐLJdĞƐƚŝŶŐ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ ŚŝƌŽƉƌĂĐƚŝĐ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ ,ĞĂƌŝŶŐŝĚ;ϭŝĚWĞƌ Ăƌ ǀĞƌLJϯzĞĂƌƐͿ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ DÄã½,½ã« /ŶƉĂƚŝĞŶƚ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ KƵƚƉĂƚŝĞŶƚ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ WÙÝÙ®Öã®ÊÄÝ 'ĞŶĞƌŝĐ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ WƌĞĨĞƌƌĞĚ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ EŽŶ-WƌĞĨĞƌƌĞĚ ϮϬйĨƚĞƌĞĚƵĐƚŝďůĞ ϰϬйĨƚĞƌĞĚƵĐƚŝďůĞ NON-MEDICARE MEDICAL & PRESCRIPTION COVERAGE ϲ dŚĞŽƵŶƚLJŽĨ&ƌĞƐŶŽŽīĞƌƐƚŚƌĞĞ;ϯͿĚŝīĞƌĞŶƚDĞĚŝĐĂƌĞŵĞĚŝĐĂůƉůĂŶƐƚŽĂůůŽǁLJŽƵƚŽƐĞůĞĐƚƚŚĞ ĐŽǀĞƌĂŐĞƚŚĂƚďĞƐƚŵĞĞƚƐƚŚĞŶĞĞĚƐĨŽƌLJŽƵĂŶĚLJŽƵƌĨĂŵŝůLJ͘dŚĞhŶŝƚĞĚŵĞƌŝĐĂŶͬZĞƟƌĞĞĮƌƐƚƉůĂŶ ŝƐ ƐƵƉƉůĞŵĞŶƚĂů ƚŽ LJŽƵƌ DĞĚŝĐĂƌĞ ĐŽǀĞƌĂŐĞ ĂŶĚ ŚĞůƉƐ ƉĂLJ ƚŚĞ DĞĚŝĐĂƌĞ-ĞůŝŐŝďůĞ ĚĞĚƵĐƟďůĞƐ͕ ĐŽƉĂLJŵĞŶƚƐ ĂŶĚ ŽƵƚ-ŽĨ-ƉŽĐŬĞƚ ŵĞĚŝĐĂů ĞdžƉĞŶƐĞƐ ŶŽƚ ĨƵůůLJ ĐŽǀĞƌĞĚ ďLJ DĞĚŝĐĂƌĞ͘ dŚĞ <ĂŝƐĞƌ WĞƌŵĂŶĞŶƚĞ,ŝŐŚĂŶĚ>ŽǁKƉƟŽŶƐĂƌĞ^ĞŶŝŽƌĚǀĂŶƚĂŐĞƉůĂŶƐƚŚĂƚƐĞƌǀĞĂƐĂƉƌŝǀĂƚĞŝŶƐƵƌĂŶĐĞ ĂůƚĞƌŶĂƟǀĞƚŽŽƌŝŐŝŶĂůDĞĚŝĐĂƌĞĂŶĚĂůůŽǁLJŽƵƚŽŐĞƚĂůůLJŽƵƌWĂƌƚĂŶĚWĂƌƚďĞŶĞĮƚƐƚŚƌŽƵŐŚŽŶĞ ƉůĂŶ͘ /DWKZdEd͗KƵƌDĞĚŝĐĂƌĞƉůĂŶƐƌĞƋƵŝƌĞLJŽƵƚŽŚĂǀĞDĞĚŝĐĂƌĞWĂƌƚƐĂŶĚ͘dŚĞŽƵŶƚLJDĞĚŝĐĂƌĞ ƉůĂŶƐŚĂǀĞƉƌĞƐĐƌŝƉƟŽŶĚƌƵŐĐŽǀĞƌĂŐĞ;WĂƌƚͿŝŶĐůƵĚĞĚ͘dŚĞƌĞĨŽƌĞ͕ŝĨLJŽƵĞŶƌŽůůŝŶŽŶĞŽĨƚŚĞƐĞ DĞĚŝĐĂƌĞƉůĂŶƐ͕ĚŽŶŽƚƐŝŐŶƵƉĨŽƌĂŶŽƚŚĞƌWĂƌƚƉƌŽŐƌĂŵĂƐƚŚŝƐǁŝůůĐĂŶĐĞůLJŽƵƌĐŽǀĞƌĂŐĞƚŚƌŽƵŐŚ ƚŚĞŽƵŶƚLJŽĨ&ƌĞƐŶŽ͘ This chart is only a summary of benefits. Please see the Evidence of Coverage (EOC) for a full description of benefits. If there are any discrepancies between this summary and the EOC, the EOC will prevail. <®ÝÙWÙÃÄÄã ,®¦«KÖã®ÊÄ <®ÝÙWÙÃÄÄã >ÊóKÖã®ÊÄ ^Ùò®Ý WƌĞǀĞŶƚŝǀĞĂƌĞ ΨϬ ΨϬ KĨĨŝĐĞsŝƐŝƚŽƉĂLJ Ψϭϱ ΨϮϱ ŵĞƌŐĞŶĐLJZŽŽŵsŝƐŝƚ ΨϱϬ Ψϳϱ /ŶƉĂƚŝĞŶƚ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ ΨϬ ΨϮϱϬ KƵƚƉĂƚŝĞŶƚ^ƵƌŐĞƌLJ ΨϱϬ ΨϮϱ WŚLJƐŝĐĂů͕KĐĐƵƉĂƚŝŽŶĂů͕^ƉĞĞĐŚdŚĞƌĂƉLJ Ψϭϱ ΨϮϱ y-ƌĂLJĂŶĚ>Ăď ;ƐŝŵƉůĞ͕ŶŽŶ–ĚŝĂŐŶŽƐƚŝĐͿ ΨϬ ΨϬ ŚŝƌŽƉƌĂĐƚŝĐ ΨϭϬ ΨϮϬ ,ĞĂƌŝŶŐŝĚ;ϭŝĚWĞƌ Ăƌ ǀĞƌLJϯzĞĂƌƐͿ Ψϭ͕ϬϬϬůůŽǁĂŶĐĞWĞƌ Ăƌ Ψϭ͕ϬϬϬůůŽǁĂŶĐĞWĞƌ Ăƌ DÄã½,½ã« /ŶƉĂƚŝĞŶƚ ΨϬ ΨϮϱϬ KƵƚƉĂƚŝĞŶƚ Ψϭϱ ΨϮϱ WÙÝÙ®Öã®ÊÄ 'ĞŶĞƌŝĐ ΨϱĨŽƌϭϬϬĂLJ^ƵƉƉůLJ ΨϭϬĨŽƌϯϬĂLJ^ƵƉƉůLJ ΨϮϬĨŽƌϲϬĂLJ^ƵƉƉůLJ ΨϯϬĨŽƌϭϬϬĂLJ^ƵƉƉůLJ WƌĞĨĞƌƌĞĚ ΨϮϬĨŽƌϭϬϬĂLJ^ƵƉƉůLJ ΨϮϱĨŽƌϯϬĂLJ^ƵƉƉůLJ ΨϱϬĨŽƌϲϬĂLJ^ƵƉƉůLJ ΨϳϱĨŽƌϭϬϬĂLJ^ƵƉƉůLJ EŽŶ-WƌĞĨĞƌƌĞĚ Eͬ Eͬ MEDICARE MEDICAL & PRESCRIPTION COVERAGE KAISER PERMANENTE ϳ hÄ®ãÃÙ®Äͬ Zã®Ù¥®ÙÝãΙ hÄ®ã,½ã«ÙZø ^Ùò®Ý WƌĞǀĞŶƚŝǀĞĂƌĞ ΨϬ KĨĨŝĐĞsŝƐŝƚŽƉĂLJ ΨϬ ŵĞƌŐĞŶĐLJZŽŽŵsŝƐŝƚ ΨϬ /ŶƉĂƚŝĞŶƚ,ŽƐƉŝƚĂůŝnjĂƚŝŽŶ ΨϬ KƵƚƉĂƚŝĞŶƚ^ƵƌŐĞƌLJ ΨϬ WŚLJƐŝĐĂů͕KĐĐƵƉĂƚŝŽŶĂů͕^ƉĞĞĐŚdŚĞƌĂƉLJ ΨϬ y-ƌĂLJĂŶĚ>Ăď ;ƐŝŵƉůĞ͕ŶŽŶ–ĚŝĂŐŶŽƐƚŝĐͿ ΨϬ ŚŝƌŽƉƌĂĐƚŝĐ ΨϬ ,ĞĂƌŝŶŐŝĚ EŽƚŽǀĞƌĞĚ DÄã½,½ã« /ŶƉĂƚŝĞŶƚ ΨϬ KƵƚƉĂƚŝĞŶƚ ΨϬ WÙÝÙ®Öã®ÊÄ 'ĞŶĞƌŝĐ ΨϬ WƌĞĨĞƌƌĞĚƌĂŶĚ ΨϮϬ EŽŶ-WƌĞĨĞƌƌĞĚƌĂŶĚ ΨϯϬ ^ƉĞĐŝĂůƚLJ;ϯϬ-ĚĂLJƌĞƚĂŝůŽŶůLJͿ ΨϮϬ This chart is only a summary of benefits. Please see the Evidence of Coverage (EOC) for a full description of benefits. If there are any discrepancies between this summary and the EOC, the EOC will prevail. ϴ UNITED AMERICAN/RETIREEFIRST & UNITED HEALTHCARE RX MEMBER/RETIREEFIRST EXPERIENCE CHART RETIREEFIRST CONCIERGE SERVICE tŚĂƚĐĂŶZĞƟƌĞĞĮƌƐƚĚŽĨŽƌLJŽƵ͍ŽLJŽƵŚĂǀĞƋƵĞƐƟŽŶƐŽŶǁŚĂƚƚŚĞƉůĂŶŵĂLJŽƌŵĂLJŶŽƚ ĐŽǀĞƌ͍tŚĂƚŝĨLJŽƵŚĂǀĞŝƐƐƵĞƐĂĐĐĞƐƐŝŶŐƐĞƌǀŝĐĞƐ͍ZĞƟƌĞĞĮƌƐƚĐĂŶŚĞůƉ͊ZĞƟƌĞĞĮƌƐƚŽīĞƌƐĨƌĞĞ ĐŽŶĐŝĞƌŐĞƐĞƌǀŝĐĞ͗ · ĞĚŝĐĂƚĞĚWŚŽŶĞEƵŵďĞƌ- DĞŵďĞƌƐǁŝůůŚĂǀĞĂŽƵŶƚLJƐƉĞĐŝĮĐůŽĐĂůƉŚŽŶĞŶƵŵďĞƌ͕;ϱϱϵͿϱϴϴ-ϰϰϮϮ͕ĂŶĚĂƚŽůů-ĨƌĞĞ ƉŚŽŶĞŶƵŵďĞƌ;ϴϯϯͿϮϯϲ-ϮϬϵϮ͘ · 'ĞŶĞƌĂůYƵĞƐƟŽŶƐ- WůĂŶĚĞƐŝŐŶ͕ĐŽƉĂLJƐ͕ĚƌƵŐůŽŽŬƵƉ͕ƉƌŽǀŝĚĞƌŶĞƚǁŽƌŬƐ͕ůŽƐƚ/ĐĂƌĚƐ͕ĞƚĐ͘ · WƌŽǀŝĚĞƌΘWŚĂƌŵĂĐLJ^ƵƉƉŽƌƚ- ZĞĂů ƟŵĞ ƉŚĂƌŵĂĐLJ ĂŶĚ ƉŚLJƐŝĐŝĂŶ ƐƵƉƉŽƌƚ ƚŽ ŵĞŵďĞƌƐ ǁŝƚŚ Ă ŵĞŵďĞƌ ƐĞƌǀŝĐĞ ĂĚǀŽĐĂƚĞ ǁŽƌŬŝŶŐĚŝƌĞĐƚůLJǁŝƚŚƚŚĞƉŚĂƌŵĂĐLJĂŶĚƉƌŽǀŝĚĞƌƐƚĂī͘ · ^^/ΘD^^ƵƉƉŽƌƚ- ZĞƟƌĞĞĮƌƐƚĐĂŶĐŽŵŵƵŶŝĐĂƚĞĚŝƌĞĐƚůLJǁŝƚŚ^ŽĐŝĂů^ĞĐƵƌŝƚLJĂŶĚD^ŽŶƚŚĞŵĞŵďĞƌ͛ƐďĞŚĂůĨ ĨŽƌƚŚŝŶŐƐƐƵĐŚĂƐ͗ĞŶƌŽůůŵĞŶƚŝŶDĞĚŝĐĂƌĞ͕ŚĞůƉƐŽůǀĞŝŶƐƵƌĂŶĐĞƌĞůĂƚĞĚŝƐƐƵĞƐ͕ĂŶĚĂƉƉůLJŝŶŐ ĨŽƌ>Žǁ/ŶĐŽŵĞ^ƵďƐŝĚŝĞƐ͘ DĞŵďĞƌ ĐĂůůƐ ZĞƟƌĞĞĮƌƐƚ ƐƚĂƟŶŐ ΗWŚĂƌŵĂĐLJ ƐĂŝĚ ŵLJ ĚƌƵŐ ǁĂƐ ŶŽƚ ĐŽǀĞƌĞĚ͘Η ZĞƟƌĞĞĮƌƐƚĐĂůůƐƚŚĞŵĞŵďĞƌďĂĐŬƚŽ ƵƉĚĂƚĞ ƚŚĞŵ ŽŶ ƚŚĞ ŝƐƐƵĞ ĂŶĚ ůĞƚƐ ƚŚĞŵŬŶŽǁƚŚĞLJǁŝůůƚĂŬĞĐĂƌĞŽĨŝƚ͘ ZĞƟƌĞĞĮƌƐƚĐĂůůƐƚŚĞŵĞŵďĞƌƚŽŶŽƟͲ ĨLJƚŚĞŵƚŚĞLJĐĂŶƉŝĐŬƵƉƚŚĞŝƌƉƌĞͲ ƐĐƌŝƉƟŽŶ͘ KDW> d/KE>>͗ ZĞƟƌĞĞĮƌƐƚ ƌĞĂĐŚĞƐ ŽƵƚ ƚŽ ƚŚĞ ŵĞŵďĞƌƚŽĐŽŶĮƌŵƚŚĂƚƚŚĞLJǁĞƌĞ ĂďůĞƚŽƉŝĐŬƵƉƚŚĞŝƌŵĞĚŝĐĂƟŽŶĂŶĚ ŝŶƋƵŝƌĞŝĨƚŚĞƌĞŝƐĂŶLJƚŚŝŶŐĞůƐĞƚŚĞLJ ĐĂŶŚĞůƉƚŚĞŵǁŝƚŚ͘ ZĞƟƌĞĞĮƌƐƚĐĂůůƐƚŚĞ WŚĂƌŵĂĐLJƚŽŝĚĞŶƟĨLJ ƚŚĞ ŝƐƐƵĞ͗dŚĞŵĞŵďĞƌŶĞĞĚƐĂWƌŝŽƌƵƚŚŽƌŝnjĂƟŽŶ ;WͿĨŽƌƚŚĞĚƌƵŐ͘ ZĞƟƌĞĞĮƌƐƚĐĂůůƐƚŚĞŵĞŵďĞƌƐĚŽĐƚŽƌƚŽƌĞƋƵĞƐƚ ƚŚĞWďĞƐĞŶƚ͘ ZĞƟƌĞĞĮƌƐƚ ĐĂůůƐ ƚŚĞ ĂƌƌŝĞƌ ƚŽ ƐĞĞ ŝĨ ƚŚĞLJ ƌĞͲ ĐĞŝǀĞĚƚŚĞWĨƌŽŵƚŚĞĚŽĐƚŽƌ͗EKdZ /s ZĞƟƌĞĞĮƌƐƚĐĂůůƐĚŽĐƚŽƌĨŽƌƐƚĂƚƵƐƵƉĚĂƚĞ͗^ Ed ZĞƟƌĞĞĮƌƐƚĐŚĞĐŬƐǁŝƚŚƚŚĞĐĂƌƌŝĞƌ͗ WZ /s ΘWWKs ZĞƟƌĞĞĮƌƐƚ ĐĂůůƐ ƚŚĞ WŚĂƌŵĂĐLJ ƚŽ ĐŽŶĮƌŵ ƚŚĞ ƉƌĞƐĐƌŝƉƟŽŶŝƐŶŽǁƉƌŽĐĞƐƐĞĚĐŽƌƌĞĐƚůLJ͘ ϵ FREQUENTLY ASKED QUESTIONS ϭϬ tŚĞŶǁŝůů/ƐĞĞƚŚĞŶĞǁƉƌĞŵŝƵŵĚĞĚƵĐƟŽŶƐĨƌŽŵŵLJƉĞŶƐŝŽŶ͍ /ĨĂƉƉůŝĐĂďůĞ͕LJŽƵǁŝůůƐĞĞƚŚĞĮƌƐƚĚĞĚƵĐƟŽŶƐŽŶLJŽƵƌĞĐĞŵďĞƌϮϬϮϬƉĞŶƐŝŽŶƐƚĂƚĞŵĞŶƚ͘ tŚĂƚĚŽ/ŶĞĞĚƚŽĚŽŝĨ/ĚĞĐŝĚĞŶŽƚƚŽĐŚĂŶŐĞŚĞĂůƚŚŽƌĚĞŶƚĂůƉůĂŶƐŽƌŵĂŬĞĂŶLJĚĞƉĞŶĚĞŶƚĐŚĂŶŐĞƐ͍ EŽĨƵƌƚŚĞƌĂĐƟŽŶŝƐƌĞƋƵŝƌĞĚŽŶLJŽƵƌƉĂƌƚ͘ /Ĩ/͛ŵŵĂŬŝŶŐKƉĞŶ ŶƌŽůůŵĞŶƚĐŚĂŶŐĞƐƚŽĂĚĚĂĚĞƉĞŶĚĞŶƚ;ƐͿĚŽ/ŶĞĞĚƚŽƚƵƌŶŝŶƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐ͍ zĞƐ͘ŶLJƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶƚƐƐƵĐŚĂƐĐĞƌƟͲĮĞĚďŝƌƚŚĐĞƌƟĮĐĂƚĞƐŽƌĐĞƌƟĮĞĚŵĂƌƌŝĂŐĞĐĞƌͲƟĮĐĂƚĞƐĂƌĞƐƟůůƌĞƋƵŝƌĞĚ͘ ĂŶ/ĐŚĂŶŐĞƚŽĂŶŽƚŚĞƌŚĞĂůƚŚŽƌĚĞŶƚĂůƉůĂŶĂŶĚͬŽƌ ŵĂŬĞ ĚĞƉĞŶĚĞŶƚ ĐŚĂŶŐĞƐ ĂŌĞƌ ƚŚĞKƉĞŶ ŶƌŽůůŵĞŶƚƉĞƌŝŽĚĞŶĚƐ͍ EŽ͘ /Ĩ ĨŽƌŵƐ ĂƌĞ ŶŽƚ ƌĞĐĞŝǀĞĚ ďLJ ŵƉůŽLJĞĞĞŶĞĮƚƐďLJϱ͗ϬϬƉŵŽŶ&ƌŝĚĂLJ͕EŽǀĞŵďĞƌϲ͕ϮϬϮϬ͕ LJŽƵ ǁŝůů ŶŽƚ ďĞ ĂďůĞ ƚŽ ŵĂŬĞ ƉůĂŶĐŚĂŶŐĞƐ ƵŶƟů ŶĞdžƚ KƉĞŶ ŶƌŽůůŵĞŶƚ͕ ƵŶůĞƐƐLJŽƵĞdžƉĞƌŝĞŶĐĞĂƋƵĂůŝĨLJŝŶŐĞǀĞŶƚ͘ tŝƚŚ ƚŚĞ ĐŚĂŶŐĞ ƚŽ ƚŚĞ hŶŝƚĞĚ ŵĞƌŝĐĂŶͬZĞƟƌĞĞĮƌƐƚDĞĚŝĐĂƌĞ^ƵƉƉůĞŵĞŶƚĂůƉůĂŶ͕ĐĂŶ/ĐŽŶƟŶƵĞƚŽŐŽƚŽŵLJĐƵƌƌĞŶƚƉƌŽǀŝĚĞƌƐ͍ zĞƐ͘zŽƵĐĂŶĐŽŶƟŶƵĞƚŽƐĞĞĂŶLJƉƌŽǀŝĚĞƌƚŚĂƚĂĐĐĞƉƚƐDĞĚŝĐĂƌĞ͘ /ƐƚŚĞƌĞĂDĂŝůKƌĚĞƌWŚĂƌŵĂĐLJƚŚƌŽƵŐŚhŶŝƚĞĚ,ĞĂůƚŚĐĂƌĞZdž͍ zĞƐ͕ďƵƚLJŽƵĐĂŶĂůƐŽƵƐĞŵŽƐƚƌĞƚĂŝůƉŚĂƌŵĂͲĐŝĞƐĨŽƌƚŚĞƐĂŵĞϵϬĂLJĮůů͘ ,ŽǁĐĂŶ/ƚĞůůŝĨŵLJƉƌĞƐĐƌŝƉƟŽŶƐĂƌĞĐŽǀĞƌĞĚƚŚƌŽƵŐŚhŶŝƚĞĚ,ĞĂůƚŚĐĂƌĞZdž͍ dŚĞ hŶŝƚĞĚ ,ĞĂůƚŚĐĂƌĞ Zdž ĨŽƌŵƵůĂƌLJ ůŝƐƚ ŝƐƉŽƐƚĞĚŽŶŽƵƌǁĞďƐŝƚĞ͕ ǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ͘ /ĨLJŽƵƐŚŽƵůĚŚĂǀĞĂŶLJƋƵĞƐƟŽŶƐ͕ƉůĞĂƐĞĐĂůůZĞƟƌĞĞĮƌƐƚĂƚ;ϴϯϯͿϮϯϲ-ϮϬϵϮ͘ tŚĂƚŝĨ/ŚĂǀĞĂĚĚŝƟŽŶĂůƋƵĞƐƟŽŶƐƚŚĂƚĂƌĞŶŽƚůŝƐƚĞĚŚĞƌĞ͍ zŽƵĐĂŶĮŶĚĂĚĚŝƟŽŶĂůŝŶĨŽƌŵĂƟŽŶĂďŽƵƚƚŚĞŚĞĂůƚŚƉůĂŶƐŽŶŽƵƌKƉĞŶ ŶƌŽůůŵĞŶƚǁĞďƐŝƚĞ͕ǁǁǁ͘ĐŽ͘ĨƌĞƐŶŽ͘ĐĂ͘ƵƐͬŽƉĞŶĞŶƌŽůůŵĞŶƚ͘ &Žƌ ƐƉĞĐŝĮĐ ƋƵĞƐƟŽŶƐ͕ ŝƚ ŝƐ ƌĞĐŽŵŵĞŶĚĞĚƚŚĂƚLJŽƵĐŽŶƚĂĐƚ ŵƉůŽLJĞĞĞŶĞĮƚƐĚŝƌĞĐƚůLJ͘ŽŶƚĂĐƚ ŝŶĨŽƌŵĂƟŽŶ ŝƐ ůŽĐĂƚĞĚ ŽŶ ƚŚĞ ďĂĐŬĐŽǀĞƌ͘ /ƐƚŚĞ ŵƉůŽLJĞĞĞŶĞĮƚƐŽĸĐĞŽƉĞŶĨŽƌǁĂůŬ-ŝŶƐŽƌĂƉƉŽŝŶƚŵĞŶƚƐĚƵƌŝŶŐKƉĞŶ ŶƌŽůůŵĞŶƚ͍ EŽ͕ĚƵĞƚŽKs/-ϭϵ͕ƚŚĞ ŵƉůŽLJĞĞĞŶĞĮƚƐŽĸĐĞŝƐĐůŽƐĞĚƚŽƚŚĞƉƵďůŝĐ͘zŽƵǁŝůůŶŽƚďĞĂďůĞƚŽƐƵďŵŝƚĨŽƌŵƐŽƌƐƵƉƉŽƌƟŶŐĚŽĐƵŵĞŶͲƚĂƟŽŶ͕ŽƌƉŝĐŬƵƉĨŽƌŵƐŝŶƉĞƌƐŽŶ͘KƉƟŽŶƐƚŽƐƵďŵŝƚ ĚŽĐƵŵĞŶƚĂƟŽŶ ĂƌĞ͗ ĨĂdž͕ ĞŵĂŝů͕ Žƌh^W^ŵĂŝů͘/ĨLJŽƵƐŚŽƵůĚŚĂǀĞƋƵĞƐƟŽŶƐŽŶŚŽǁƚŽƐƵďŵŝƚĚŽĐƵŵĞŶƚĂƟŽŶŽƌŚŽǁƚŽƌĞͲƚƌŝĞǀĞ ĂƉƉůŝĐĂďůĞ ĨŽƌŵƐ͕ ƉůĞĂƐĞ ĐŽŶƚĂĐƚ ŵͲƉůŽLJĞĞĞŶĞĮƚƐĚŝƌĞĐƚůLJ͘ŽŶƚĂĐƚŝŶĨŽƌŵĂƟŽŶŝƐůŽĐĂƚĞĚŽŶƚŚĞďĂĐŬĐŽǀĞƌ͘ HUMAN RESOURCES HUMAN RESOURCES Employee Benefits Division Address ϮϮϮϬdƵůĂƌĞ^ƚƌĞĞƚ͕ϭϰƚŚ&ůŽŽƌ &ƌĞƐŶŽ͕ϵϯϳϮϭ Phone ;ϱϱϵͿϲϬϬ-ϭϴϭϬ Fax ;ϱϱϵͿϰϱϱ-ϰϳϴϳ Email ,ZďĞŶĞĮƚƐΛĨƌĞƐŶŽĐŽƵŶƚLJĐĂ͘ŐŽǀ NON-MEDICARE MEDICAL Anthem Blue Cross HDPPO WŚŽŶĞ͗;ϴϲϲͿϵϲϳ-ϯϬϭϱ ǁǁǁ͘ĂŶƚŚĞŵ͘ĐŽŵͬĐĂ MEDICARE MEDICAL Retireefirst (United American & United Healthcare) WŚŽŶĞ͗;ϴϯϯͿϮϯϲ-ϮϬϵϮŽƌ;ϱϱϵͿϱϴϴ-ϰϰϮϮ ǁǁǁ͘ƌĞƟƌĞĞĮƌƐƚ͘ĐŽŵ Kaiser Permanente Senior Advantage High and Low Option WŚŽŶĞ͗;ϴϬϬͿϰϲϰ-ϰϬϬϬ ǁǁǁ͘ŬĂŝƐĞƌƉĞƌŵĂŶĞŶƚĞ͘ŽƌŐ DENTAL Delta Dental DPPO WŚŽŶĞ;ϴϬϬͿϳϲϱ-ϲϬϬϯ ǁǁǁ͘ĚĞůƚĂĚĞŶƚĂůŝŶƐ͘ĐŽŵ DeltaCare USA DHMO WŚŽŶĞ;ϴϬϬͿϰϮϮ-ϰϮϯϰ ǁǁǁ͘ĚĞůƚĂĚĞŶƚĂůŝŶƐ͘ĐŽŵ VISION Vision Service Plan (VSP) WŚŽŶĞ;ϴϬϬͿϴϳϳ-ϳϭϵϱ ǁǁǁ͘ǀƐƉ͘ĐŽŵ Board Agenda Item 62 DATE:December 15, 2020 TO:Board of Supervisors SUBMITTED BY:Paul Nerland, Director of Human Resources SUBJECT:County Health Plan Agreements for Plan Year 2021 RECOMMENDED ACTION(S): 1. Approve and authorize the Chairman to execute Participation Agreement with the San Joaquin Valley Insurance Authority (SJVIA), for the purpose of participating in the SJVIA health insurance (Anthem Blue Cross and Kaiser), pharmacy program (EmpiRx), dental insurance (Delta Dental) and vision insurance (Vision Service Plan) for employees and retirees, effective December 14, 2020 through December 31, 2021. 2. Approve and authorize the Chairman to execute an Agreement with Kaiser Permanente for group medical services for the period January 1, 2021 through December 31, 2021, for retirees. 3. Approve and authorize the Chairman to execute Agreements with MyWorkplace, Inc. and Administrative Solutions - Fresno, LLC, for Medicare retiree eligibility, billing, and accounting services, effective January 1, 2021 through December 31, 2021. 4. Approve and authorize the Director of Human Resources, or designee, to execute related health plan documents, business associate agreements and other agreements, amendments, thereto, subject to review and approval by County Counsel and the Auditor-Controller/Treasurer-Tax Collector. Approval of the recommended actions will authorize the Chairman to execute health insurance agreements for Plan Year 2021 for employees, retirees, and their dependents. This item is countywide. ALTERNATIVE ACTION(S): Your Board may choose to consider benefit modifications that would affect premiums, copayments or deductibles. However, benefit modifications for plans through the SJVIA would require approval by the SJVIA Board. SUSPENSION OF COMPETITION/SOLE SOURCE CONTRACT: On April 28, 2020, your Board made a finding that it was in the best interest of the County to waive the competitive bidding process consistent with Administrative Policy No. 34 under the “unusual or extraordinary circumstances” exception for the solicitation of health benefits plan proposals for Plan Year 2021. This allowed the County the flexibility needed to negotiate directly with health insurance providers and maximize cost effective alternatives that best meet the needs of the County, its active employees, retirees, Page 1 County of Fresno File Number: 20-1337 RFP 21-033 EXHIBIT F File Number: 20-1337 and their dependents. FISCAL IMPACT: On September 22, 2020, your Board approved the biweekly and monthly health insurance premiums for active employees, retirees, and their dependents for Plan Year 2021. Appropriations and related projected revenue of $100.1 million has been included in the Risk Management Org 8925 FY 2020-21 Adopted Budget for pass-through health insurance premiums of County employees, retirees, and dependent coverage. Of this amount, approximately $91.3 million is for active employees and $8.8 million is for retirees. DISCUSSION: The County has traditionally offered multiple plans to allow employees the choice of the doctor, hospital or delivery system that meets their needs. The current plans allow access to all local hospitals depending on the plan selected. Beginning in 2010, the County began participating in the SJVIA with the County of Tulare to contribute to lower fixed costs and additional value-added services. Additionally, the plans offered through Anthem Blue Cross are self-insured with the SJVIA. Recommended Action No. 1 would execute the County’s Participation Agreement with the SJVIA for Plan Year 2021 and allow the County to continue to take part in the plans and services available through the SJVIA. Below is a summary of the plans and services being offered for Plan Year 2021: 1. Health Plans - Active & Pre-65 Retirees: a. Anthem Blue Cross (SJVIA): o An EPO plan that is similar to a traditional HMO plan, but allows access to doctors and hospitals within its PPO network. o A PPO plan with a $250 deductible for employee or $500 deductible for family. o A PPO plan with a $1,000 deductible for employee or $2,000 deductible for family. o A High Deductible PPO with a $1,500 deductible for employee or $3,000 for family. o A High Deductible PPO with a $3,000 deductible for employee or $6,000 deductible for family. ·Participants in either HDPPO plan may contribute to a “Health Savings Account” (HSA). HSAs are tax-favored savings accounts that are combined with a qualifying high deductible health insurance plan. In addition, the SJVIA has entered into an agreement with its pharmacy benefit manager, EmpiRx Health, to provide prescription coverage to participants. b. Kaiser (SJVIA): An HMO option through Kaiser is offered as an integrated, pre-paid health delivery system. The entire range of care for members is provided and coordinated through their system, including doctors, hospitals, and pharmacies. c. Administrative Services (SJVIA): The SJVIA continues to offer additional services as part of the total rate structure, including Consolidated Omnibus Budget Reconciliation Act (COBRA) administration and billing, Family Medical Leave Act (FMLA) billing and consolidated eligibility/billing services. These services are contracted through the SJVIA with MyWorkplace, Inc. and Administrative Solutions - Fresno, LLC. Recommended Action No. 3 would execute separate County agreements with MyWorkplace, Inc. and Administrative Solutions - Fresno, LLC to match pricing and services offered through Page 2 County of Fresno File Number: 20-1337 RFP 21-033 EXHIBIT F File Number: 20-1337 the SJVIA, ensuring consistency and efficiency in services offered with the health plans. 2. Health Plans - Post-65 / Medicare Retirees: The County offers two types of plans to Medicare eligible retirees called Medicare Supplemental (United American/UnitedHealthcare) and Medicare Advantage (Kaiser Senior Advantage High/Low). On October 22, 2019, your Board approved an agreement with Retiree First to provide health benefit management and administrative services for the United American/UnitedHealthcare Supplemental plan. The agreement with Retiree First is effective through December 31, 2022. Recommended Action No. 2 would execute an agreement with Kaiser to provide Medicare plan services for Plan Year 2021. 3. Dental Plans (SJVIA): The DPPO and DHMO Delta Dental plans are made available to the County through its participation in the SJVIA. The DHMO offers a limited network of providers in exchange for enhanced coverage, whereas the DPPO offers access to an expanded network of providers and specialists in exchange for higher deductibles. Recommended Action No. 1 would authorize the Chair to execute the Participation Agreement with the SJVIA which would include Delta Dental DPPO and DHMO for Plan Year 2021. 4. Vision Plan (SJVIA): Employees enrolled in the Anthem Blue Cross EPO, PPO, and HDPPO, pre-65 retirees enrolled in the Anthem Blue Cross HDPPO, and post-65 retirees enrolled in the United American/UnitedHealthcare plan all receive vision coverage through the SJVIA in an agreement with Vision Services Plan (VSP). Recommended Action No. 1 would authorize the Chair to execute the Participation Agreement with the SJVIA which would include VSP for Plan Year 2021. OTHER REVIEWING AGENCIES: Keenan & Associates, the County’s Health and Benefits consultant, has reviewed the agreements and is recommending approval of the recommended actions. REFERENCE MATERIAL: BAI #49, September 22, 2020 BAI #32, April 28, 2020 BAI #42, December 10, 2019 BAI #32, October 22, 2019 BAI #38, July 12, 2016 BAI #35, July 9, 2013 BAI #9, October 6, 2009 ATTACHMENTS INCLUDED AND/OR ON FILE: On file with Clerk - SJVIA Participation Agreement On file with Clerk - Kaiser Permanente Agreement On file with Clerk - MyWorkplace, Inc. Agreement On file with Clerk - Administrative Solutions - Fresno, LLC Agreement CAO ANALYST: Yussel Zalapa Page 3 County of Fresno File Number: 20-1337 RFP 21-033 EXHIBIT F -1- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 A G R E E M E N T THIS AGREEMENT is made and entered into this day of [Month] , [Year] , by and between the COUNTY OF FRESNO, a Political Subdivision of the State of California, hereinafter referred to as "COUNTY", and [Contractor] , a (Type of business) (Note to County staff: Type of business the contractor is; such as a corporation – including the state in which they are incorporated, e.g., a California corporation; a partnership; a private, non-profit corporation; or a sole proprietorship), whose address is "[Contractor's Address]" , hereinafter referred to as "CONTRACTOR". W I T N E S S E T H: (Add WHEREAS Clauses) (Note to County staff: explains the need/purpose for the contract and the process by which the Contractor was chosen) NOW, THEREFORE, in consideration of the mutual covenants, terms and conditions herein contained, the parties hereto agree as follows: 1.OBLIGATIONS OF THE CONTRACTOR A. B.(etc.) 2.OBLIGATIONS OF THE COUNTY A. B.(etc.) 3.TERM The term of this Agreement shall be for a period of three (3) years, commencing on (Effective Date) through and including (Last day of three year period) . This Agreement may be extended for two (2) additional consecutive twelve (12) month periods upon written approval of both parties no later than thirty (30) days prior to the first day of the next twelve (12) month extension period. The (Title of department head) or his or her designee is authorized to execute such written approval on behalf of COUNTY based on CONTRACTOR’S satisfactory performance. 4.TERMINATION A.Non-Allocation of Funds - The terms of this Agreement, and the services to RFP 21-033 EXHIBIT G -2- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 be provided hereunder, are contingent on the approval of funds by the appropriating government agency. Should sufficient funds not be allocated, the services provided may be modified, or this Agreement terminated, at any time by giving the CONTRACTOR thirty (30) days advance written notice. B. Breach of Contract - The COUNTY may immediately suspend or terminate this Agreement in whole or in part, where in the determination of the COUNTY there is: 1) An illegal or improper use of funds; 2) A failure to comply with any term of this Agreement; 3) A substantially incorrect or incomplete report submitted to the COUNTY; 4) Improperly performed service. In no event shall any payment by the COUNTY constitute a waiver by the COUNTY of any breach of this Agreement or any default which may then exist on the part of the CONTRACTOR. Neither shall such payment impair or prejudice any remedy available to the COUNTY with respect to the breach or default. The COUNTY shall have the right to demand of the CONTRACTOR the repayment to the COUNTY of any funds disbursed to the CONTRACTOR under this Agreement, which in the judgment of the COUNTY were not expended in accordance with the terms of this Agreement. The CONTRACTOR shall promptly refund any such funds upon demand. C. Without Cause - Under circumstances other than those set forth above, this Agreement may be terminated by COUNTY upon the giving of thirty (30) days advance written notice of an intention to terminate to CONTRACTOR. 5. COMPENSATION/INVOICING: (Note to County staff: If sales tax is applicable and to be paid to an out-of-state vendor, it must be separated from the total compensation and the vendor must have a California Sales Tax Permit Number.) COUNTY agrees to pay CONTRACTOR and CONTRACTOR agrees to receive compensation as follows: "[Enter compensation]" . CONTRACTOR shall submit monthly invoices in triplicate to the County of Fresno "[Enter Department Name]" . In no event shall services performed under this Agreement be in excess of "[Enter maximum contract amount]" during the term of this Agreement. It is understood that all expenses incidental to CONTRACTOR'S performance of services under this Agreement shall be borne by RFP 21-033 EXHIBIT G -3- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 CONTRACTOR. (Note to County staff: If the number of days within which payment must be made is specified, this paragraph must provide for payment after a minimum of forty-five (45) days from date of receipt of invoice by the COUNTY.) 6. INDEPENDENT CONTRACTOR: In performance of the work, duties and obligations assumed by CONTRACTOR under this Agreement, it is mutually understood and agreed that CONTRACTOR, including any and all of the CONTRACTOR'S officers, agents, and employees will at all times be acting and performing as an independent contractor, and shall act in an independent capacity and not as an officer, agent, servant, employee, joint venturer, partner, or associate of the COUNTY. Furthermore, COUNTY shall have no right to control or supervise or direct the manner or method by which CONTRACTOR shall perform its work and function. However, COUNTY shall retain the right to administer this Agreement so as to verify that CONTRACTOR is performing its obligations in accordance with the terms and conditions thereof. CONTRACTOR and COUNTY shall comply with all applicable provisions of law and the rules and regulations, if any, of governmental authorities having jurisdiction over matters the subject thereof. Because of its status as an independent contractor, CONTRACTOR shall have absolutely no right to employment rights and benefits available to COUNTY employees. CONTRACTOR shall be solely liable and responsible for providing to, or on behalf of, its employees all legally-required employee benefits. In addition, CONTRACTOR shall be solely responsible and save COUNTY harmless from all matters relating to payment of CONTRACTOR'S employees, including compliance with Social Security withholding and all other regulations governing such matters. It is acknowledged that during the term of this Agreement, CONTRACTOR may be providing services to others unrelated to the COUNTY or to this Agreement. 7. MODIFICATION: Any matters of this Agreement may be modified from time to time by the written consent of all the parties without, in any way, affecting the remainder. 8. NON-ASSIGNMENT: Neither party shall assign, transfer or sub-contract this Agreement nor their rights or duties under this Agreement without the prior written consent of the other party. 9. HOLD HARMLESS: CONTRACTOR agrees to indemnify, save, hold harmless, and at COUNTY'S request, defend the COUNTY, its officers, agents, and employees from any and all costs and expenses (including attorney’s fees and costs), damages, liabilities, claims, and losses occurring or RFP 21-033 EXHIBIT G -4- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 resulting to COUNTY in connection with the performance, or failure to perform, by CONTRACTOR, its officers, agents, or employees under this Agreement, and from any and all costs and expenses (including attorney’s fees and costs), damages, liabilities, claims, and losses occurring or resulting to any person, firm, or corporation who may be injured or damaged by the performance, or failure to perform, of CONTRACTOR, its officers, agents, or employees under this Agreement. 10. INSURANCE Without limiting the COUNTY's right to obtain indemnification from CONTRACTOR or any third parties, CONTRACTOR, at its sole expense, shall maintain in full force and effect, the following insurance policies or a program of self-insurance, including but not limited to, an insurance pooling arrangement or Joint Powers Agreement (JPA) throughout the term of the Agreement: A. Commercial General Liability Commercial General Liability Insurance with limits of not less than Two Million Dollars ($2,000,000.00) per occurrence and an annual aggregate of Four Million Dollars ($4,000,000.00). This policy shall be issued on a per occurrence basis. COUNTY may require specific coverages including completed operations, products liability, contractual liability, Explosion-Collapse-Underground, fire legal liability or any other liability insurance deemed necessary because of the nature of this contract. B. Automobile Liability Comprehensive Automobile Liability Insurance with limits of not less than One Million Dollars ($1,000,000.00) per accident for bodily injury and for property damages. Coverage should include any auto used in connection with this Agreement. C. Professional Liability If CONTRACTOR employs licensed professional staff, (e.g., Ph.D., R.N., L.C.S.W., M.F.C.C.) in providing services, Professional Liability Insurance with limits of not less than One Million Dollars ($1,000,000.00) per occurrence, Three Million Dollars ($3,000,000.00) annual aggregate. D. Worker's Compensation A policy of Worker's Compensation insurance as may be required by the California Labor Code. E. Molestation RFP 21-033 EXHIBIT G -5- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 [Note to County Staff: Include this paragraph E. only for agreements relating to services to vulnerable classes of persons (e.g., children, elderly).] Sexual abuse / molestation liability insurance with limits of not less than One Million Dollars ($1,000,000.00) per occurrence, Two Million Dollars ($2,000,000.00) annual aggregate. This policy shall be issued on a per occurrence basis. Additional Requirements Relating to Insurance CONTRACTOR shall obtain endorsements to the Commercial General Liability insurance naming the County of Fresno, its officers, agents, and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned. Such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by COUNTY, its officers, agents and employees shall be excess only and not contributing with insurance provided under CONTRACTOR's policies herein. This insurance shall not be cancelled or changed without a minimum of thirty (30) days advance written notice given to COUNTY. CONTRACTOR hereby waives its right to recover from COUNTY, its officers, agents, and employees any amounts paid by the policy of worker’s compensation insurance required by this Agreement. CONTRACTOR is solely responsible to obtain any endorsement to such policy that may be necessary to accomplish such waiver of subrogation, but CONTRACTOR’s waiver of subrogation under this paragraph is effective whether or not CONTRACTOR obtains such an endorsement. Within Thirty (30) days from the date CONTRACTOR signs and executes this Agreement, CONTRACTOR shall provide certificates of insurance and endorsement as stated above for all of the foregoing policies, as required herein, to the County of Fresno, (Name and Address of the official who will administer this contract), stating that such insurance coverage have been obtained and are in full force; that the County of Fresno, its officers, agents and employees will not be responsible for any premiums on the policies; that such Commercial General Liability insurance names the County of Fresno, its officers, agents and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned; that such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by COUNTY, its officers, agents and employees, shall be excess only and not contributing with insurance provided under CONTRACTOR's policies herein; and that this insurance shall not be cancelled or changed without a minimum of thirty (30) days advance, RFP 21-033 EXHIBIT G -6- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 written notice given to COUNTY. In the event CONTRACTOR fails to keep in effect at all times insurance coverage as herein provided, the COUNTY may, in addition to other remedies it may have, suspend or terminate this Agreement upon the occurrence of such event. All policies shall be issued by admitted insurers licensed to do business in the State of California, and such insurance shall be purchased from companies possessing a current A.M. Best, Inc. rating of A FSC VII or better. 11. AUDITS AND INSPECTIONS: The CONTRACTOR shall at any time during business hours, and as often as the COUNTY may deem necessary, make available to the COUNTY for examination all of its records and data with respect to the matters covered by this Agreement. The CONTRACTOR shall, upon request by the COUNTY, permit the COUNTY to audit and inspect all of such records and data necessary to ensure CONTRACTOR'S compliance with the terms of this Agreement. If this Agreement exceeds ten thousand dollars ($10,000.00), CONTRACTOR shall be subject to the examination and audit of the Auditor General for a period of three (3) years after final payment under contract (Government Code Section 8546.7). 12. NOTICES: The persons and their addresses having authority to give and receive notices under this Agreement include the following: COUNTY CONTRACTOR COUNTY OF FRESNO [click here to enter Contractor] [click here to enter County Address] [click here to enter Contractor Address] [click here to enter County Address] [click here to enter Contractor Address] [click here to enter County City/State] [click here to enter Contractor City/State] All notices between the COUNTY and CONTRACTOR provided for or permitted under this Agreement must be in writing and delivered either by personal service, by first-class United States mail, by an overnight commercial courier service, or by telephonic facsimile transmission. A notice delivered by personal service is effective upon service to the recipient. A notice delivered by first-class United States mail is effective three COUNTY business days after deposit in the United States mail, postage prepaid, addressed to the recipient. A notice delivered by an overnight commercial courier service is effective one COUNTY business day after deposit with the overnight commercial courier service, delivery fees prepaid, with delivery instructions given for next day delivery, addressed to the recipient. A notice delivered by RFP 21-033 EXHIBIT G -7- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 telephonic facsimile is effective when transmission to the recipient is completed (but, if such transmission is completed outside of COUNTY business hours, then such delivery shall be deemed to be effective at the next beginning of a COUNTY business day), provided that the sender maintains a machine record of the completed transmission. For all claims arising out of or related to this Agreement, nothing in this section establishes, waives, or modifies any claims presentation requirements or procedures provided by law, including but not limited to the Government Claims Act (Division 3.6 of Title 1 of the Government Code, beginning with section 810). 13. GOVERNING LAW: Venue for any action arising out of or related to this Agreement shall only be in Fresno County, California. The rights and obligations of the parties and all interpretation and performance of this Agreement shall be governed in all respects by the laws of the State of California. 14. DISCLOSURE OF SELF-DEALING TRANSACTIONS This provision is only applicable if the CONTRACTOR is operating as a corporation (a for-profit or non-profit corporation) or if during the term of the agreement, the CONTRACTOR changes its status to operate as a corporation. Members of the CONTRACTOR’s Board of Directors shall disclose any self-dealing transactions that they are a party to while CONTRACTOR is providing goods or performing services under this agreement. A self-dealing transaction shall mean a transaction to which the CONTRACTOR is a party and in which one or more of its directors has a material financial interest. Members of the Board of Directors shall disclose any self-dealing transactions that they are a party to by completing and signing a Self-Dealing Transaction Disclosure Form, attached hereto as Exhibit A and incorporated herein by reference, and submitting it to the COUNTY prior to commencing with the self-dealing transaction or immediately thereafter. 15. ENTIRE AGREEMENT: This Agreement constitutes the entire agreement between the CONTRACTOR and COUNTY with respect to the subject matter hereof and supersedes all previous Agreement negotiations, proposals, commitments, writings, advertisements, publications, and understanding of any nature whatsoever unless expressly included in this Agreement. [If applicable, add the following: In the event of any inconsistency in interpreting the documents which constitute this RFP 21-033 EXHIBIT G -8- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Agreement, the inconsistency shall be resolved by giving precedence in the following order of priority: (1) the text of this Agreement (excluding Attachment "A", the COUNTY'S Request for Quotation/Proposal No. "[Enter RFQ/RFP No.]" and the CONTRACTOR'S Quote/Proposal in response thereto); (2) Attachment "A"; (3) the COUNTY'S Request for Quotation/Proposal No. "[Enter RFQ/RFP No.]" ; and (4) the CONTRACTOR'S quotation/proposal made in response to COUNTY'S Request for Quotation/Proposal No. "[Enter RFQ/RFP No.]" /// /// /// /// IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first hereinabove written. CONTRACTOR COUNTY OF FRESNO (Authorized Signature) [Note: Insert Current Chairman’s Name], Chairman of the Board of Supervisors of the County of Fresno Print Name & Title Mailing Address ATTEST: Bernice E. Seidel Clerk of the Board of Supervisors County of Fresno, State of California By: Deputy FOR ACCOUNTING USE ONLY: Fund: RFP 21-033 EXHIBIT G -9- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Subclass: ORG: Account: RFP 21-033 EXHIBIT G -1- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 A G R E E M E N T THIS AGREEMENT is made and entered into this 12th day of July, 2016, by and between the COUNTY OF FRESNO, a Political Subdivision of the State of California, hereinafter referred to as "COUNTY", and Keenan & Associates, a California corporation, whose address is 2355 Crenshaw Blvd., Suite 200, Torrance, CA 90510, hereinafter referred to as "CONTRACTOR". W I T N E S S E T H: WHEREAS, Federal and State laws and regulations related to employee health care and benefits plans are subject to changes; and WHEREAS, the employee health care and benefit plan industry is a fluid market with many new alternative products being offered; and WHEREAS, the COUNTY has a need for employee health care and benefit plan consulting services to assist the COUNTY in ensuring legal and regulatory compliance and identifying and evaluating all health care and benefit plan alternatives; and WHEREAS, CONTRACTOR has the expertise and resources to provide employee health care and benefit plan consulting services; NOW, THEREFORE, in consideration of the mutual covenants, terms and conditions herein contained, the parties hereto agree as follows: 1.OBLIGATIONS OF THE CONTRACTOR A.CONTRACTOR shall, under this Agreement, provide COUNTY employee benefit plan consultation services (hereinafter referred to as “Consultation Services”) as described in COUNTY’s Request for Proposal (RFP) number 964-5439 (including Addendum number 1) attached hereto as Exhibit “A” and incorporated herein by reference, and CONTRACTOR’s response to said RFP, excluding those services described in Appendix 2 of the CONTRACTOR’s response to said RFP, attached hereto as Exhibit “B” and incorporated by reference, including, but not limited to: 1)Administrative Services for Health and Ancillary/Voluntary Benefit RFP 21-033 EXHIBIT H -2- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Plans a. Benefit Design Assistance b. Participant Communications c. Legal & Regulatory Compliance Support 2) Vendor Relations for Health and Ancillary/Voluntary Benefit Plans a. RFP/RFQ Development b. Contract Development c. Vendor Management 3) Data Analysis and Reporting for Health Benefit Plans 4) Actuarial, Underwriting and Fiscal Support for Health Benefit Plans 2. OBLIGATIONS OF THE COUNTY A. COUNTY will authorize its health and benefit plan vendors to provide CONTRACTOR with current health and benefits plan data and necessary information including, but not limited to, the following: 1) COUNTY will direct CONTRACTOR in preparing the content or scope of services to be specified in any health and benefits RFP and/or RFP to current insurance carriers for renewing the provision of benefits each currently provides to active employees and retiree members (living inside or outside of California) and their dependents. The COUNTY shall provide final approval of requests for quotations (RFQ) and/or RFP before release to potential vendors; 2) Health and benefit plan contracts, enrollment and relevant reports and data as required for CONTRACTOR to provide Consultation Services. B. COUNTY will make CONTRACTOR broker of record on all assignable ancillary/voluntary benefits currently in place and will direct ancillary/voluntary commissions to CONTRACTOR. CONTRACTOR shall also be assigned broker of record on any new policies placed by CONTRACTOR and shall receive commissions earned from those policies. 3. TERM The term of this Agreement shall be for a period of three (3) years, RFP 21-033 EXHIBIT H -3- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 commencing on July 12th, 2016 through and including July 11th, 2019. This Agreement may be extended for two (2) additional consecutive twelve (12) month periods upon written approval of both parties no later than thirty (30) days prior to the first day of the next twelve (12) month extension period. The Director of Human Resources or his or her designee is authorized to execute such written approval on behalf of COUNTY based on CONTRACTOR’S satisfactory performance. 4. TERMINATION A. Non-Allocation of Funds - The terms of this Agreement, and the services to be provided hereunder, are contingent on the approval of funds by the appropriating government agency. Should sufficient funds not be allocated, the services provided may be modified, or this Agreement terminated, at any time by giving the CONTRACTOR thirty (30) days advance written notice. B. Breach of Contract 1) The COUNTY may immediately suspend or terminate this Agreement in whole or in part, where in the determination of the COUNTY there is an illegal or improper use of funds. 2) Additionally the COUNTY may terminate this Agreement if, after notice and a thirty (30) day cure period CONTRACTOR fails to correct any of the following: a. A failure to comply with any term of this Agreement; b. A substantially incorrect or incomplete report submitted to the COUNTY; or c. Improperly performed service. In no event shall any payment by the COUNTY constitute a waiver by the COUNTY of any breach of this Agreement or any default which may then exist on the part of the CONTRACTOR. Neither shall such payment impair or prejudice any remedy available to the COUNTY with respect to the breach or default. The COUNTY shall have the right to demand of the CONTRACTOR the repayment to the COUNTY of any funds disbursed to the CONTRACTOR under this Agreement, which in the judgment of the COUNTY were not expended in accordance RFP 21-033 EXHIBIT H -4- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 with the terms of this Agreement. The CONTRACTOR shall promptly refund any such funds upon demand. C. Without Cause - Under circumstances other than those set forth above, this Agreement may be terminated by COUNTY upon the giving of thirty (30) days advance written notice of an intention to terminate to CONTRACTOR. Under the terms of this paragraph 4.C, the Director of Human Resources is authorized to terminate this Agreement on behalf of COUNTY. 5. COMPENSATION/INVOICING: A. COUNTY agrees to pay CONTRACTOR and CONTRACTOR agrees to receive compensation as follows: COUNTY elects the compensation structure under “Option 2” of CONTRACTOR’s Cost Proposal contained in CONTRACTOR’s response to COUNTY’s RFP #964-5439, which annual fees are as follows: 1) $55,000 in Year 1, beginning July 12, 2016 2) $57,500 in Year 2, beginning July 12, 2017 3) $60,000 in Year 3, beginning July 12, 2018 4) $60,000 in Year 4, beginning July 12, 2019 5) $62,500 in Year 5, beginning July 12, 2020 CONTRACTOR will receive said compensation every year in which CONTRACTOR provides Consultation Services as set forth in this Agreement. In no event shall the total annual fees paid by COUNTY to CONTRACTOR exceed $295,000.00 during the term of this Agreement. B. COUNTY will make CONTRACTOR broker of record on all assignable Ancillary Benefit policies currently in place and any new policies placed by CONTRACTOR with commissions being directed to CONTRACTOR. CONTRACTOR agrees that COUNTY will select health and benefit policies that are beneficial to the COUNTY and its employees and that this Agreement does not obligate the COUNTY to select policies which will pay commissions to CONTRACTOR. For purposes of this agreement “Ancillary Benefits” are those benefits paid for by the COUNTY. Commissions received by CONTRACTOR for the Ancillary Benefits coverages placed by CONTRACTOR under this Agreement will be credited to COUNTY. At the RFP 21-033 EXHIBIT H -5- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 end of each contract year (“Calculation Period”), recognizing that the County shall su bmit quarterly payments of CONTRACTOR‘s annual fee, CONTRACTOR will report all commissions that have been received by CONTRACTOR from the placement of COUNTY’s employer paid benefits coverages (“Ancillary Commissions”) and will forward to COUNTY an amount equal to the amount reported within sixty (60) days following the end of the contract year. C. COUNTY will make CONTRACTOR broker of record on all assignable Voluntary Benefit policies currently in place and any new policies placed by CONTRACTOR with commissions being directed to and retained by CONTRACTOR. The term “Voluntary Benefits” means those voluntary benefits purchased by employees with their own funds, and “Voluntary Commissions” means the commissions earned from the sale of Voluntary Benefits. Beginning with Year 2, and continuing through Year 5 of the Agreement, CONTRACTOR’s annual fee will also be reduced, based upon the Voluntary Commissions received from Voluntary Benefits in the prior year as follows: 1) $5,000.00 reduction, if prior year Voluntary Commissions are between $10,000.00 and $35,000.00 2) $10,000.00 reduction, if prior year Voluntary Commissions are between $35,000.01 and $50,000.00 3) $15,000.00 reduction, if prior year Voluntary Commissions are between $50,000.01 and $75,000.00 4) $15,000.00 reduction plus a reduction equal to 50% of the Voluntary Commissions in excess of $75,000.00 until the annual fee is reduced to $0. CONTRACTOR shall perform a year-end reconciliation of all commissions received by CONTRACTOR from the placement of COUNTY employee paid Voluntary Benefits and notify the COUNTY in writing within 60 days of the beginning of Years 2 through 5 whether there will be a reduction in the annual fee due CONTRACTOR from COUNTY. D. Consistent with industry practices, insurers may also pay insurance brokers, such as CONTRACTOR, indirect compensation based upon volume efficiencies, client renewals, marketing services, product development, technology investments and other additional RFP 21-033 EXHIBIT H -6- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 services. The parties agree that CONTRACTOR will not receive any such indirect compensation related to any COUNTY health or benefit policy, either currently in place or placed by CONTRACTOR. E. CONTRACTOR shall submit quarterly invoices to the County of Fresno Department of Human Resources-Employee Benefits, 2220 Tulare Street, 14th Floor, Fresno, CA 93721. Payment will be made within 45 days of receipt of invoice by the COUNTY. F. It is understood that all expenses incidental to CONTRACTOR'S performance of services under this Agreement shall be borne by CONTRACTOR. 6. INDEPENDENT CONTRACTOR: In performance of the work, duties and obligations assumed by CONTRACTOR under this Agreement, it is mutually understood and agreed that CONTRACTOR, including any and all of the CONTRACTOR'S officers, agents, and employees will at all times be acting and performing as an independent contractor, and shall act in an independent capacity and not as an officer, agent, servant, employee, joint venturer, partner, or associate of the COUNTY. Furthermore, COUNTY shall have no right to control or supervise or direct the manner or method by which CONTRACTOR shall perform its work and function. However, COUNTY shall retain the right to administer this Agreement so as to verify that CONTRACTOR is performing its obligations in accordance with the terms and conditions thereof. CONTRACTOR and COUNTY shall comply with all applicable provisions of law and the rules and regulations, if any, of governmental authorities having jurisdiction over matters the subject thereof. Because of its status as an independent contractor, CONTRACTOR shall have absolutely no right to employment rights and benefits available to COUNTY employees. CONTRACTOR shall be solely liable and responsible for providing to, or on behalf of, its employees all legally-required employee benefits. In addition, CONTRACTOR shall be solely responsible and save COUNTY harmless from all matters relating to payment of CONTRACTOR'S employees, including compliance with Social Security withholding and all other regulations governing such matters. It is acknowledged that during the term of this Agreement, CONTRACTOR may be providing services to others unrelated to the COUNTY or to this RFP 21-033 EXHIBIT H -7- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Agreement. 7. MODIFICATION: Any matters of this Agreement may be modified from time to time by the written consent of all the parties without, in any way, affecting the remainder. 8. NON-ASSIGNMENT: Neither party shall assign, transfer or sub-contract this Agreement nor their rights or duties under this Agreement without the prior written consent of the other party. 9. HOLD HARMLESS: CONTRACTOR agrees to indemnify, save, hold harmless, and at COUNTY'S request, defend the COUNTY, its officers, agents, and employees from any and all costs and expenses, damages, liabilities, claims, and losses occurring or resulting to COUNTY in connection with the performance, or failure to perform, by CONTRACTOR, its officers, agents, or employees under this Agreement, and from any and all costs and expenses, damages, liabilities, claims, and losses occurring or resulting to any person, firm, or corporation who may be injured or damaged by the performance, or failure to perform, of CONTRACTOR, its officers, agents, or employees under this Agreement. 10. INSURANCE Without limiting the COUNTY's right to obtain indemnification from CONTRACTOR or any third parties, CONTRACTOR, at its sole expense, shall maintain in full force and effect, the following insurance policies or a program of self-insurance, including but not limited to, an insurance pooling arrangement or Joint Powers Agreement (JPA) throughout the term of the Agreement: A. Commercial General Liability Commercial General Liability Insurance with limits of not less than One Million Dollars ($1,000,000) per occurrence and an annual aggregate of Two Million Dollars ($2,000,000). This policy shall be issued on a per occurrence basis. COUNTY may require specific coverages including completed operations, products liability, contractual liability, Explosion-Collapse-Underground, fire legal liability or any other liability insurance deemed necessary because of the nature of this contract. RFP 21-033 EXHIBIT H -8- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 B. Automobile Liability Comprehensive Automobile Liability Insurance with limits for bodily injury of not less than Two Hundred Fifty Thousand Dollars ($250,000.00) per person, Five Hundred Thousand Dollars ($500,000.00) per accident and for property damages of not less than Fifty Thousand Dollars ($50,000.00), or such coverage with a combined single limit of Five Hundred Thousand Dollars ($500,000.00). Coverage should include owned and non-owned vehicles used in connection with this Agreement. C. Professional Liability If CONTRACTOR employs licensed professional staff, (e.g., Ph.D., R.N., L.C.S.W., M.F.C.C.) in providing services, Professional Liability Insurance with limits of not less than One Million Dollars ($1,000,000.00) per occurrence, Three Million Dollars ($3,000,000.00) annual aggregate. D. Worker's Compensation A policy of Worker's Compensation insurance as may be required by the California Labor Code. CONTRACTOR shall obtain endorsements to the Commercial General Liability insurance naming the County of Fresno, its officers, agents, and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned. Such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by COUNTY, its officers, agents and employees shall be excess only and not contributing with insurance provided under CONTRACTOR's policies herein. This insurance shall not be cancelled or changed without a minimum of thirty (30) days advance written notice given to COUNTY. Within Thirty (30) days from the date CONTRACTOR signs and executes this Agreement, CONTRACTOR shall provide certificates of insurance and endorsement as stated above for all of the foregoing policies, as required herein, to the County of Fresno, (Name and Address of the official who will administer this contract), stating that such insurance coverage have been obtained and are in full force; that the County of Fresno, its officers, agents and employees RFP 21-033 EXHIBIT H -9- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 will not be responsible for any premiums on the policies; that such Commercial General Liability insurance names the County of Fresno, its officers, agents and employees, individually and collectively, as additional insured, but only insofar as the operations under this Agreement are concerned; that such coverage for additional insured shall apply as primary insurance and any other insurance, or self-insurance, maintained by COUNTY, its officers, agents and employees, shall be excess only and not contributing with insurance provided under CONTRACTOR's policies herein; and that CONTRACTOR shall notify COUNTY within three (3) days following its first notice or awareness of any actual or proposed termination or cancellation of, or material change in the required insurance coverage. In the event CONTRACTOR fails to keep in effect at all times insurance coverage as herein provided, the COUNTY may, in addition to other remedies it may have, suspend or terminate this Agreement upon the occurrence of such event. All policies shall be issued by admitted insurers licensed to do business in the State of California, and such insurance shall be purchased from companies possessing a current A.M. Best, Inc. rating of A FSC VII or better. 11. AUDITS AND INSPECTIONS: The CONTRACTOR shall at any time during business hours, and as often as the COUNTY may deem necessary, make available to the COUNTY for examination all of its records and data with respect to the matters covered by this Agreement. The CONTRACTOR shall, upon request by the COUNTY, permit the COUNTY to audit and inspect all of such records and data necessary to ensure CONTRACTOR'S compliance with the terms of this Agreement. If this Agreement exceeds ten thousand dollars ($10,000.00), CONTRACTOR shall be subject to the examination and audit of the Auditor General for a period of three (3) years after final payment under contract (Government Code Section 8546.7). 12. NOTICES: The persons and their addresses having authority to give and receive notices under this Agreement include the following: COUNTY CONTRACTOR COUNTY OF FRESNO Keenan & Associates Attention: Employee Benefits Attention: Steve Gedestad RFP 21-033 EXHIBIT H -10- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 2220 Tulare Street, 14th Floor 2355 Crenshaw Blvd., #200 Fresno, CA 93721 Torrance, CA 90501 All notices between the COUNTY and CONTRACTOR provided for or permitted under this Agreement must be in writing and delivered either by personal service, by first-class United States mail, by an overnight commercial courier service, or by telephonic facsimile transmission. A notice delivered by personal service is effective upon service to the recipient. A notice delivered by first-class United States mail is effective three COUNTY business days after deposit in the United States mail, postage prepaid, addressed to the recipient. A notice delivered by an overnight commercial courier service is effective one COUNTY business day after deposit with the overnight commercial courier service, delivery fees prepaid, with delivery instructions given for next day delivery, addressed to the recipient. A notice delivered by telephonic facsimile is effective when transmission to the recipient is completed (but, if such transmission is completed outside of COUNTY business hours, then such delivery shall be deemed to be effective at the next beginning of a COUNTY business day), provided that the sender maintains a machine record of the completed transmission. For all claims arising out of or related to this Agreement, nothing in this section establishes, waives, or modifies any claims presentation requirements or procedures provided by law, including but not limited to the Government Claims Act (Division 3.6 of Title 1 of the Government Code, beginning with section 810). 13. GOVERNING LAW : Venue for any action arising out of or related to this Agreement shall only be in Fresno County, California. The rights and obligations of the parties and all interpretation and performance of this Agreement shall be governed in all respects by the laws of the State of California. 14. DISCLOSURE OF SELF-DEALING TRANSACTIONS This provision is only applicable if the CONTRACTOR is operating as a corporation (a for-profit or non-profit corporation) or if during the term of the agreement, the CONTRACTOR changes its status to operate as a corporation. RFP 21-033 EXHIBIT H -11- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Members of the CONTRACTOR’s Board of Directors shall disclose any self - dealing transactions that they are a party to while CONTRACTOR is providing goods or performing services under this agreement. A self-dealing transaction shall mean a transaction to which the CONTRACTOR is a party and in which one or more of its directors has a material financial interest. Members of the Board of Directors shall disclose any self-dealing transactions that they are a party to by completing and signing a Self-Dealing Transaction Disclosure Form, attached hereto as Exhibit C and incorporated herein by reference, and submitting it to the COUNTY prior to commencing with the self-dealing transaction or immediately thereafter. 15. ENTIRE AGREEMENT: This Agreement constitutes the entire agreement between the CONTRACTOR and COUNTY with respect to the subject matter hereof and supersedes all previous Agreement negotiations, proposals, commitments, writings, advertisements, publications, and understanding of any nature whatsoever unless expressly included in this Agreement. In the event of any inconsistency in interpreting the documents which constitute this Agreement, the inconsistency shall be resolved by giving precedence in the following order of priority: (1) the text of this Agreement (excluding Exhibit "A", the COUNTY'S RFP No. 964-5439 and Exhibit “B”, the CONTRACTOR'S proposal in response thereto); (2) Exhibit "A", the COUNTY'S RFP No. 964-5439; and (3) Exhibit “B”, the CONTRACTOR'S proposal made in response to COUNTY'S RFP No. 964.5439. RFP 21-033 EXHIBIT H 1 IN WITNESS WHEREOF, the parties hereto have executed this Agreement 2 as of the day and year first hereinabove written . 3 COUNTY OF FRESNO 4 5 6 7 8 2355 Crenshaw Blvd ., Suite 200 Torrance, CA 90501 9 Mailing Address 10 11 12 13 14 15 16 17 DATE: I I · 18 APPROVED AS TO LEGAL FORM 19 20 21 22 23 24 25 26 27 28 -12- ATTEST: Ernest Buddy Mendes Chairman, Board of Supervisors Bernice E. Seidel Clerk , Board of Supervisors BY: .Su ~. bA~ctp DEPUTY REVI EWED & RECOMMEND~D FO ~APPROVAL --,~~ Paul Nerland Director of Human Resources APPROVED AS TO ACCOUNTING FORM Vicki Crow Auditor-ControllerfTreasurer-Tax Collector RFP 21-033 EXHIBIT H EXHIBIT B 1 HUB International Insurance Services, Inc. Response to: COUNTY OF FRESNO Request for Proposal Number: 21-033 County of Fresno Health and Benefits Consultant Presented by HUB International 4695 MacArthur Court, Suite #600 Newport Beach, CA 92660 CA License No. 0757776 March 23, 2021 2 I. RFP Page 1 and Addendums Page 1 COUNTY OF FRESNO REQUEST FOR PROPOSAL NUMBER: 21-033 County of Fresno Health & Benefits Consultant Issue Date: February 23, 2021 Closing Date: MARCH 23, 2021 AT 10:00 AM All Questions and Responses must be electronically submitted on the Bid Page on Public Purchase. For assistance, contact Mr. Shannon W. Kirby at Phone (559) 600-7110. BIDDER TO COMPLETE Undersigned agrees to furnish the commodity or service stipulated in the attached at the prices and terms stated in this RFP. Bid must be signed and dated by an authorized officer or employee. HUB International Limited COMPANY James "Chip" Stuart CONTACT PERSON 4695 MacArthur Court, Suite 600 ADDRESS Newport Beach CA 92660 CITY STATE ZIP CODE (310)568-5906 james.stuart@hubinternational.com TELEPHONE NUMBER E-MAIL ADDRESS AUTHORIZED SIGNATURE James Stuart Chief Sales Officer PRINT NAME TITLE G:\Public\RFP\FY 2020-21\21-033 County of Fresno Health and Benefits Consultant\21-033 County of Fresno Health and Benefits Consultant.docx. PD-040 (10/21/2019) 3 COUNTY OF FRESNO ADDENDUM NUMBER: ONE (1) RFP NUMBER: 21-033 COUNTY OF FRESNO HEALTH AND BENEFITS CONSULTANT Issue Date: March 3, 2021 Closing Date: March 23, 2021 at 10:00 AM All Questions and Proposals must be electronically submitted to the Bid Page on Public Purchase. For assistance, contact Mr. Shannon W. Kirby at (559) 600-7110. NOTE THE FOLLOWING AND ATTACHED ADDITIONS, DELETIONS AND/OR CHANGES TO THE REQUIREMENTS OF REQUEST FOR PROPOSAL NUMBER: 21- 033 AND INCLUDE THEM IN YOUR RESPONSE. PLEASE SIGN AND RETURN THIS ADDENDUM WITH YOUR PROPOSAL. Questions and Answers ACKNOWLEDGMENT OF ADDENDUM NUMBER ONE (1) TO RFP 21-033 COMPANY NAME: HUB International Limited (PRINT) SIGNATURE: NAME & TITLE: James Stuart, Chief Sales Officer (PRINT) Purchasing Use: SWK:st ORG/Requisition: 89250200 / 8922100131 G:\PUBLIC\RFP\FY 2020-21\21-033 COUNTY OF FRESNO HEALTH AND BENEFITS CONSULTANT\21-033 ADDENDUM 1.DOCX (10/21/2019) 4 II. Cover Letter. Mr. Shannon W. Kirby County of Fresno March 23, 2021 Re: Response to Request for Proposal, Number 21-033 County of Fresno Health and Benefits Consultant Dear Mr. Kirby: Following you will find our response to the County of Fresno’s Request for Proposal (RFP) for Health and Benefits Consultant Services. On behalf of the staff and partners of HUB International, I thank you for your consideration of our proposal. We appreciate this opportunity to present our employee benefits management capabilities. We look forward to the prospect of becoming your consultant and broker. In this proposal we have put forth the very best of HUB International’s people, resources and services to be selected as your trusted insurance and risk advisor. As the fourth largest insurance brokerage in the world, HUB prides itself in providing tailored solutions for complex employee benefits and risk management needs. Our scope and size enable us to access a wide range of resources, offer a deep bench of industry experts, and utilize exceptional market buying power on your behalf, all while maintaining the feel of a local benefits firm. In addition to the Account Team selected to work with the County of Fresno, HUB offers you access to specialists with a wide range of expertise in areas such as group health and wellness, workforce management, income protection, life, disability and all areas of commercial and professional insurance. We also have a complete range of technological resources to help you manage your risk. Our multi- disciplinary approach assures that your core service team can quickly bring in experts to recommend and deliver solutions as special needs arise. Our response describes our expertise in the key areas that you identified as important criteria in your Health and Benefits Consultant selection process. We are confident that HUB International is uniquely qualified to provide the customized coverage and services you need to achieve your strategic goals. As the Chief Sales Officer, I am authorized to contractually obligate our company and to negotiate a contract with the County of Fresno. My contact information is as follows: Phone: (310) 568-5906 Email: james.stuart@hubinternational.com Address: 4695 MacArthur Court, Suite 600, Newport Beach, CA 92660 5 Any questions related to the contents of this proposal should be directed to Lee Exton, Senior Vice President. His contact information is: Mobile: 310-709-0379 Email: lee.exton@hubinternational.com We look forward to discussing our proposal with you in greater detail. Sincerely, James Stuart Chief Sales Officer 6 III.Table of Contents I. RFP Page 1 and Addendums Page 1 ........................................................................ 2 II. Cover Letter. .............................................................................................................. 4 III. Table of Contents ..................................................................................................... 6 IV. Conflict of Interest Statement ................................................................................. 7 V. TRADE SECRET ACKNOWLEDGEMENT ................................................................ 8 VI. CERTIFICATION | DISCLOSURE – CRIMINAL HISTORY & CIVIL ACTIONS ...... 10 VII. REFERENCES ....................................................................................................... 11 VIII. PARTICIPATION ................................................................................................... 13 IX. Exceptions .............................................................................................................. 14 X. Vendor Company Data ........................................................................................... 15 XI. Scope of Work ........................................................................................................ 29 Executive Summary .............................................................................................................. 29 Scope of Work Summary ...................................................................................................... 35 Scope of Work Proposal Requirements .................................................................... 39 XII. COST PROPOSAL ................................................................................................. 57 XIII. CHECK LIST ......................................................................................................... 60 Appendix 7 IV.Conflict of Interest Statement HUB International’s Code of Ethics includes this statement regarding Conflicts of Interest: Required Business Conduct of Directors, Officers and Employees Conflicts of Interest. Each director, officer and employee must not engage in any activity that could create a conflict of interest, or the appearance of one, between such director, officer or employee and HUB. A conflict of interest occurs when an individual’s private interests interfere in any way, or even appear to interfere, with the interest of HUB. A conflict of interest can arise when a director, officer or employee takes action or has an interest that may make it difficult to perform his or her work objectively and effectively. Conflicts of interest also arise when a director, officer, employee or family member is in a position to receive improper personal benefits as a result of his or her relationship with HUB. Each director, officer and employee is expected to avoid any outside activity, financial interest or relationship that may present a possible conflict of interest or the appearance of a conflict. Each director, officer and employee is required to disclose any conflict of interest. These disclosures should be made to such officer’s, or employee’s, manager or the Legal Department and, in the case of a director, to the Legal Department. While it is not feasible to specify all the activities that may give rise to a conflict of interest, or the appearance of one, the follow are some rules regarding specific areas where such conflict might occur. These rules are not exhaustive and do not limit the generality of the conflict of interest policy. 8 V.TRADE SECRET ACKNOWLEDGEMENT Each proposal submitted is public record under the California Public Records Act (Cal. Gov. Code, secs. 6250 and following) and is therefore open to inspection by the public as required by Section 6253 of the California Government Code. This section generally states that "every person has a right to inspect any public record". The County will not exclude any proposal or portion of a proposal from treatment as a public record except information that it is properly submitted as a “trade secret” (defined below), and determined by the County to be a “trade secret” (if not otherwise subject to disclosure, as stated below). Information submitted as “proprietary”, “confidential” or under any other terms that might state or suggest restricted public access will not be excluded from treatment as public record. "Trade secrets" as defined by Section 6254.7 of the California Government Code are not treated as a public record under that section. This section defines trade secrets as: "...Trade secrets," as used in this section, may include, but are not limited to, any formula, plan, pattern, process, tool, mechanism, compound, procedure, production data or compilation of information that is not patented, which is known only to certain individuals within a commercial concern who are using it to fabricate, produce, or compound an article of trade or a service having commercial value and which gives its user an opportunity to obtain a business advantage over competitors who do not know or use it." Such information must be submitted in a separate PDF file named "Trade Secret" and marked as “Confidential” in the Public Purchase system. Bidders must include a clear and concise statement that sets out the reasons for confidentiality in accordance with the foregoing definition of “trade secret.” Examples of information not considered trade secrets are pricing, cover letter, promotional materials, references, and the like. Information submitted by a bidder as "trade secret" will be reviewed by County of Fresno's Purchasing Division, with the assistance of the County’s legal counsel, to determine conformance or non-conformance to the foregoing definition. Information that is properly identified as “trade secret” and which the County determines to conform to the definition will not become public record (if not otherwise subject to disclosure, as stated below). The County will safeguard this information in an appropriate manner, provided however, in the event of a request, demand, or legal action by any person or entity seeking access to the “trade secret” information, the County will inform the bidder of such request, demand, or legal action, and the bidder shall defend, indemnify, and hold harmless the County, including its officers and employees, against any and all claims, liabilities, damages, or costs or expenses, including attorney’s fees and costs, relating to such request, demand or legal action, seeking access to the “trade secret” information. Information submitted by bidder as trade secret and determined by the County not to be in conformance with the foregoing California Government Code definition shall be excluded from the proposal and deleted by the County. The County shall not in any way be liable or responsible for the disclosure of any proposals or portions thereof, if (1) they are not electronically submitted in a separate PDF that is marked "Trade Secret" and marked as Confidential in the Public Purchase system; or (2) disclosure thereof is required or allowed under the law or by order of court. Bidders are advised that the County does not wish to receive trade secrets and that bidders are not to supply trade secrets unless they are absolutely necessary. I have read and understand, and agree to the above "Trade Secret Acknowledgement." BIDDER MUST CHECK ONE OF THE FOLLOWING: Has bidder submitted certain bid information that is a “trade secret,” as defined by Section 6254.7 of the California Government Code, and in compliance with the requirements of this Trade Secrets Acknowledgement? By marking “NO”, bidder does not claim any confidentiality of any bid information submitted to the County. YES X NO ACKNOWLEDGED AND AGREED BY BIDDER: Signature Date Print Name Title James Stuart Chief Sales Officer 03/23/2021 9 CERTIFICATION REGARDING DEBARMENT, SUSPENSION, AND OTHER RESPONSIBILITY MATTERS - PRIMARY COVERED TRANSACTIONS INSTRUCTIONS FOR CERTIFICATION 1.By signing and submitting this proposal, the prospective primary participant is providing the certification set out below. 2.The inability of a person to provide the certification required below will not necessarily result in denial of participation in this covered transaction. The prospective participant shall submit an explanation of why it cannot provide the certification set out below. The certification or explanation will be considered in connection with the department or agency's determination whether to enter into this transaction. However, failure of the prospective primary participant to furnish a certification or an explanation shall disqualify such person from participation in this transaction. 3.The certification in this clause is a material representation of fact upon which reliance was placed when the department or agency determined to enter into this transaction. If it is later determined that the prospective primary participant knowingly rendered an erroneous certification, in addition to other remedies available to the Federal Government, the department or agency may terminate this transaction for cause or default. 4.The prospective primary participant shall provide immediate written notice to the department or agency to which this proposal is submitted if at any time the prospective primary participant learns that its certification was erroneous when submitted or has become erroneous by reason of changed circumstances. 5.The terms covered transaction, debarred, suspended, ineligible, participant, person, primary covered transaction, principal, proposal, and voluntarily excluded, as used in this clause, have the meanings set out in the Definitions and Coverage sections of the rules implementing Executive Order 12549. You may contact the department or agency to which this proposal is being submitted for assistance in obtaining a copy of those regulations. 6. Nothing contained in the foregoing shall be construed to require establishment of a system of records in order to render in good faith the certification required by this clause. The knowledge and information of a participant is not required to exceed that which is normally possessed by a prudent person in the ordinary course of business dealings. 10 VI. CERTIFICATION | DISCLOSURE – CRIMINAL HISTORY & CIVIL ACTIONS Regarding Debarment, Suspension, And Other Responsibility Matters - Primary Covered Transactions (1)The prospective primary participant certifies to the best of its knowledge and belief, that it, its owners, officers, corporate managers and partners: (a)Are not presently debarred, suspended, proposed for debarment, declared ineligible, or voluntarily excluded by any Federal department or agency; (b)Have not within a three-year period preceding this proposal been convicted of or had a civil judgment rendered against them for commission of fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a public (Federal, State or local) transaction or contract under a public transaction; violation of Federal or State antitrust statutes or commission of embezzlement, theft, forgery, bribery, falsification or destruction of records, making false statements, or receiving stolen property; (c)Have not within a three-year period preceding this application/proposal had one or more public transactions (Federal, State or local) terminated for cause or default. (2)Where the prospective primary participant is unable to certify to any of the statements in this certification, such prospective participant shall attach an explanation to this proposal. Signature: Date: 3/23/2021 James Stuart, Chief Sales Officer HUB International Ltd. (Printed Name & Title) (Name of Agency or Company) 11 VII.REFERENCES VENDOR MUST COMPLETE AND RETURN WITH REQUEST FOR PROPOSAL Firm: HUB International Provide a list of at least five (5) customers for whom you have recently provided similar services. If you have held a contract for similar services with the County of Fresno within the past seven (7) years, list the County as one of your customers. Please list the person most familiar with your contract. Be sure to include all requested information. Reference Name San Diego County Regional Airport Authority Contact Monty Bell, Director, Talent, Culture & Capability Address 3225 N. Harbor Drive City San Diego State CA Zip 92101 Phone 619-400-2518 Date 2014 to present Service(s) Provided Comprehensive Employee Benefit Plan Management and Consulting, Retiree Benefit Plan Management & Consulting services | All lines of coverage (medical, dental, vision, EAP, life/disability, FSA, COBRA) Reference County of Kern Contact Susan Wells Address 1115 Truxtun Avenue, 5th Floor City Bakersfield State CA Zip 93301 Phone (661) 319-0984 Date 2004 - 2013 Reference Name County of Stanislaus Contact Paul Loehr Address 1010 Tenth Street, Fifth Floor City Modesto State CA Zip 95354 Phone 209-525-5718 Date 2011 through present. Service(s) Provided Comprehensive Employee Benefit Plan Management and Consulting services | All lines of coverage (medical, dental, vision, EAP, life/disability, FSA, COBRA) Reference Name City of National City Contact Robert Meteau, Human Resources Director Address 140 East 12st Street, Suite A City National City State CA Zip 91950 Phone 619-336-4308 Date 2009 to present Service(s) Provided Comprehensive Employee Benefit Plan Management and Consulting services, Retiree Benefit Plan Management & Consulting services | All lines of coverage (medical, dental, vision, EAP, life/disability, FSA, COBRA) Reference Name City of Escondido Contact Patrice Russell, Human Resources Manager Director Address 201 North Broadway City Escondido State CA Zip 92025 Phone 619-336-4308 Date 2006 to present Service(s) Provided Comprehensive Employee Benefit Plan Management and Consulting, Retiree Benefit Plan Management & Consulting services | All lines of coverage (medical, dental, vision, EAP, life/disability, FSA, COBRA) 12 Service(s) Provided Comprehensive Employee Benefit Plan Management and Consulting, Retiree Benefit Plan Management & Consulting services | All lines of coverage (medical, dental, vision, EAP, life/disability, FSA, COBRA) Reference Name Bakersfield Heart Hospital Contact Linda Hansen Address 3001 Sillect Avenue City Bakersfield State CA Zip 93308 Phone (661) 808-1006 Date 2009 to present Service(s) Provided Comprehensive Employee Benefit Plan Management and Consulting Reference Optimum Contact Kevin Gramian Address 2530 Redhill Ave City Santa Ana State CA Zip 92705 Phone 949-650-7800 x201 Date 2011 to present Service(s) Provided Comprehensive Employee Benefit Plan Management and Consulting Failure to provide a list of at least five (5) customers may be cause for rejection of this RFP. 13 VIII. PARTICIPATION The County of Fresno is a member of the California Association of Public Procurement Officials (CAPPO) Central Valley Chapter. This group consists of Fresno, Kern, Kings, and Tulare Counties and all governmental, tax supported agencies within these counties. Whenever possible, these and other tax supported agencies co-op (piggyback) on contracts put in place by one of the other agencies. Any agency choosing to avail itself of this opportunity, will make purchases in their own name, make payment directly to the contractor, be liable to the contractor and vice versa, per the terms of the original contract, all the while holding the County of Fresno harmless. If awarded this contract, please indicate whether you would extend the same terms and conditions to all tax supported agencies within this group as you are proposing to extend to County of Fresno. * Note: This form/information is not rated or ranked for evaluation purposes. Yes, we will extend contract terms and conditions to all qualified agencies within the California Association of Public Procurement Officials (CAPPO) Central Valley Chapter and other tax supported agencies. No, we will not extend contract terms to any agency other than the County of Fresno. (Authorized Signature) Title X James Stuart, Chief Sales Officer 14 IX. Exceptions In regard to the following: A. Exceptions to General Conditions. B. Exceptions to General Requirements. C. Exceptions to Specific Terms and Conditions. D. Exceptions to Scope of Work and/or Scope of Work Proposal Requirements. E. Exceptions to Proposal Content Requirements. F. Exceptions to any other part of this RFP. There are no terms, conditions nor stipulations with which we cannot nor will not comply. 15 X. Vendor Company Data A. A narrative which demonstrates the vendor’s basic familiarity or experience with problems associated with this service/project. Your HUB Team has experience providing consulting services for a third (6) of the 20 California counties that operate under County Employees Retirement Law of 1937 (37 Act). Your lead consultant Lee Exton, CEBS, was the employee benefits consultant for Fresno County in 2000-2004. He worked closely with management. the labor unions, retirees, and the Board of Supervisors to put in place a competitive program that reflected the expressed needs of each of these stakeholder populations. Lee spent many hours in on-site meetings educating each of these groups about the current state of the benefit programs while sharing with them options that they could consider. The unions found this helpful because they could take this info back to their membership for further discussion and this brought the employee benefit department and the unions closer together in their ongoing discussions. Lee has extensive experience working with public sector governmental entities. He has served as lead consultant for Alameda County, ACERA (Alameda County’s retirement association), Santa Barbara County, and the State of Ohio. He is a frequent speaker in a number of employee benefit related forums, has been an instructor for the International Foundation for Employee Benefits Plans, and has appeared in numerous journals with commentary on current situations. Lee has appeared on ABC’s Financial Watch and has been featured in the Wall Street Journal with regard to various benefit-related topics. The experience he has had working with public sector labor organizations, has given him a deep understanding of the needs and the operating process that the various public sector unions have. . He also has deep experience working with redesigning and negotiating healthcare programs that meet the specific needs of diverse employee populations. Implementing wellness programs that improve the health of employees and retirees is a deep passion of his. He has sat across from numerous board members and been able to answer their questions to provide them with a better understanding of what decisions need to be made. 16 Multi-Year Strategic Plan Our approach is designed to help you solve immediate, short-term challenges while developing a multi- year strategic plan that is based on the goals and objectives you determine. Throughout the year, we measure results against the goals you set and make adjustments as needed. This systematic process ensures that we are continually working toward achieving your goals and that the solutions we implement are compatible with your work culture and company philosophy. We use this proprietary planning tool to guide the conversation. The Multi-Year Strategic Plan becomes the roadmap for our future collaboration and success measurement. Step 1 – Opportunity Assessment Our first priority is to get to know you. It is important for your HUB team to understand your business objectives, the recent history of your benefit programs, and what drives your decision-making. Your HUB team will listen first and then work with you to develop solutions. During this process, you will quickly realize that your HUB team has depth of experience and broad perspective on key benefit issues. Additionally, each team member has a solid track record in managing complex projects along with the skill, knowledge, and resources to respond to your needs. SAMPLE - MULTI-YEAR STRATEGY 2021 2022 2023 Overall Program Design Assess program design and fill in gaps to improve competitive positioning, e.g., add VB products & telemedicine; consider student loan assistance Move to Care Coordination model with advocacy-type customer service, steerage to COEs/narrow networks, transparency tools, wellbeing tools, etc. Monitor plan performance and efficiency of benefits administration; survey employees and make adjustments where necessary Funding Arrangements Self-funding feasibility analysis, including level-funded options Move to self-funding or other alternate funding mechanism Unbundled self-funding analysis for greater savings and program effectiveness Plan Design & Cost Management ◦ Benchmark plans vs industries and companies County of Fresno competes with for talent ◦ Make appropriate product, plan design and employee contribution decisions ◦ Persona analysis to better understand FRESNO COUNTY employee cohorts disparate benefits needs ◦ Continue to optimize FRESNO COUNTY portfolio of benefit offerings – some can be tied to wellbeing incentives ◦ Maintain plan design compliance; implement new Rx management programs ◦ Consider Lifestyle and financial well-being benefit offerings; i.e. Pet insurance, student loan programs ◦ Update PTO policies 17 2021 2022 2023 Employee Contributions ◦ Benchmark contributions ◦ Focus on contribution strategy and competitiveness ◦ Evaluate impact of defined contribution strategy ◦ Make data driven decisions, i.e., transition to defined contribution ◦ Implement activity- based wellness contributions and spousal surcharge ◦ Full implementation of defined contribution ◦ Consider results-based wellness contributions Health & Performance ◦ Develop custom County of Fresno wellness strategy ◦ Create County of Fresno wellness committee and determine executive sponsor(s) ◦ Evaluate data and identify needs of employees ◦ Decide on initial programs and communication campaign ◦ Expand program per multi-year wellness plan ◦ Continue wellness education and program promotion ◦ Provide incentives for healthy behaviors; day off for charitable work; challenge programming; promote C-Suite support ◦ Continue to reinforce healthy behavior; encourage work/life balance; provide stress management and resilience tools Employee Engagement & Communication ◦ Rebrand benefits and wellbeing into a Total Rewards message/educational campaign ◦ Continue robust Total Rewards communication; educate on specific offerings like HDHP/HSA advantages ◦ Continue robust Total Rewards communication; educate on HDHP/HSA advantages; provide more decision support tools HR/Benefits Technology Solution ◦ Assess current HRIS systems and processes effectiveness ◦ Review alternate technology vendors as appropriate ◦ Transition to new payroll, benefits administration site Client (HR) Advocacy ◦ Promote HUB’s advocacy program in communications throughout year ◦ Explore My Benefits Champion and Health Advocate services ◦ Monitor advocacy effectiveness and adjust as appropriate Compliance ◦ Compliance Review – identify areas of improvement and risk ◦ Provide additional HIPAA training and support, sick leave policy review with workforce management team ◦ Continued risk assessment Employee Contributions ◦ Focus on employee; increase family coverage at greater rate ◦ Evaluate impact of defined contribution strategy ◦ Start to transition to defined contribution ◦ Implement tobacco/non-tobacco rates and spousal surcharge ◦ Full implementation of defined contribution ◦ Add surcharge for not meeting/improving biometric factors Step 2 – Analyze and Develop Recommendations The second step is to research, develop, and analyze specific solutions to support the strategy. The solutions will incorporate your company’s short and long-term objectives. During this step we will: o Analyze data o Perform benchmarking analysis 18 o Research alternatives o Recommend action steps o Build out the Annual Service Calendar Our goal, whenever possible, is to utilize a data-driven, fact-based approach that enables you to identify potential costs and proactively develop targeted intervention programs. As part of this step, we will conduct audits to identify gaps in compliance as well as opportunities to enhance employee communication and improve efficiencies with regard to program administration. Step 3 – Deliver Solutions HUB will identify the services and tools needed to support your employee benefits strategy. Our recommended plan design and other program recommendations will focus on high-impact areas and the most significant cost-saving opportunities. Following your approval, we will present your program to pre- qualified carriers and administrators. Once we have completed the marketing and negotiations, the next step is to implement the programs. Proper implementation is critical to the carrier’s ability to administer the program. Attention to detail increases the likelihood of a smooth launch that will ultimately lead to satisfied employees. Step 4 – Robust Communication The most comprehensive benefits package will not make an impact if members do not understand or appreciate their value. We will collaborate with your team to develop the right messages and delivery methods to ensure employees understand which benefits are right for them and how to use them effectively. Our communication strategy does not just apply to open enrollment. It encompasses a year- long progression of communication so that new concepts have time to capture attention, and employees have time to plan for changes that impact their planning and their pay. Step 5 – Measure Results We will measure performance against goals in several key areas including financial, compliance, wellness, and service. Both carrier/vendor service levels, as well as HUB service to your team, will be measured and reported. On a quarterly basis, we provide reports on the following: o High level cost illustration of claims paid versus premium paid o Cost utilization by service type; identifying areas of potential exposure and providing recommendations to address potential over-utilization o Pharmacy utilization analysis o Provider discount analysis – actual vs. promised (when available from carriers) o Additionally, we will be following the recommended Annual Renewal planning and milestones schedule. Other Considerations Long COVID aka Longhaulers The Center for Disease Control has pronounced that 10% of individuals who have contracted COVID, whether mild to severe, have been experiencing a long-lasting constellation of symptoms. These symptoms range from severe anxiety and depression to vertigo, skin rashes, and hair loss. Many of the individuals have been reporting symptoms eight to ten months after the initial onset. The needs of this 19 select population need to be addressed in the overall medical plan design to assure they are getting proper treatment. We will work with you to identify the latest available information regarding recommended treatment protocols and the associated networks of specialty long-term COVID facilities. Annual Renewals & Yearly Milestones Each and every one of HUB’s clients have unique objectives, so every year our Employee Benefits teams work with our clients to develop a custom calendar of activities, initiatives, and strategies to meet their specific goals. This allows us to adapt to changing objectives and service needs as a true partner to our clients. Annual Renewals are no longer once a year. Our strategic planning platform allows us to focus on the objectives of your organization. Specific attention is placed on vendor renewal, but the story does not stop there. We do not want to just deliver a number to you. Through our High-Performance Team meetings, we will be sharing and discussing your renewal with you long before the annual renewal cycle begins for carriers. Six months prior to your carrier renewal date, we will be able to provide you with a projection of expected cost factors, including vendor renewal impact. (A Sample Annual Project Detail is included in the Appendix.) Proposed Annual Renewal Timeline (a typical strategy year) 1_Sample Annual Renewal Process Timeline B. Descriptions of any similar or related contracts under which the bidder has provided services. Lee Exton, the lead consultant for this proposal, was Fresno County’s consultant previously and spent a considerable amount of time educating your numerous Certified Employee Organizations, many of whom appear in the following list: 20 Organization Unit(s) Association Of County Engineers Unit 42 - Engineers Association Of Engineering Technicians Unit 25 - Engineering Technicians California Nurses Association Unit 7 - Nurses Fresno County Deputy Probation Officers Association Unit 11 - Deputy Probation Officers Fresno County District Attorney Investigators Association Unit 10 - DA Investigators Fresno County Prosecutors Association Unit 30 - Deputy District Attorneys Fresno County Public Safety Association Unit 2 - Sheriff's And Probation Personnel Fresno County Sheriff's Captain Association Unit 38 - Sheriff's Captains Fresno Deputy Sheriffs Association Unit 1 - Law Enforcement Personnel Fresno Sheriff's Correctional Sergeants Association Unit 37 - Correctional Sergeants Fresno Sheriff's Sergeants Assoc. Unit 14 - Supervisory Peace Officers Management Unit - Sheriff's Department Unit 35 - Sheriff's & Correctional Lts. Professional Association County Employees Unit 31 - Public Defenders Professional Association Of Employees Unit 19 - Professional Employees SEIU - Local 521 Service Employees International Union Bargaining Units: 03 - Mental Health Professionals & Social Workers 04 - Eligibility Workers 12 - Clerical, Paramedical, Building & Service Employees 22 - Professional, Para-Professional & Technical Employees 36 - Supervisory Employees 21 Following are several case studies describing services that we’ve provided for similar organizations and the results they’ve realized. Case Study A: County of Stanislaus The County of Stanislaus had a one-size-fits-all approach to healthcare which they felt didn’t address their specific populations. Based on HUB’s recommendations, the County implemented a different approach that significantly reduces the influence that health plans have on annual program renewals. Plus, it’s given them more influence and control over the management of annual health plan expenditures. Using market-based trend increases and adding the costs associated to PPACA for insured plans and premium taxes, we helped the County of Stanislaus embrace flexibility, engage stakeholders, and save millions of dollars. Case Study B: County of Fresno Lee Exton, the lead consultant for this proposal, was the Employee Benefits consultant for Fresno County from 2000-2004. During that time, he identified undisclosed expenses, and assisted with getting the contracts updated to reflect the true financial arrangement. Lee negotiated health plan expenses, worked with the various union groups to help them understand more completely the existing health plan arrangement, and discussed numerous design options for consideration. He participated in discussions with the Board of Supervisors to finalize program changes and orchestrated the implementation process. Lee worked closely with former Fresno County management: Janet Coleman, Cheryl Carlson, Annie Lee, Irene Vazquez and Ralph Jimenez. Case Study C: Large Retail Organization (20,000 employees) Lee is an expert in self-funded healthcare programs. He designed and implemented a program for a large retail company with resulted in $90 million of savings over an eight-year period of time. Pharmacy benefits were carved out to a more effective platform and alternative medicine benefits were added with a focus on Health and Wellness. The program became a state-of-the-art flagship model for their continued nationwide rollout of stores. Lee worked closely with the owners of the organization to completely redesign their programs from a Total Rewards perspective. To do this he captured demographic data for the entire employee population and created focused benefit options that addressed the unique needs of each employee group. Feedback from employees was extremely positive regarding the new options that were made available as a result of this benefits program overhaul. Lee created a utilization and experience tracking tool that monitored the monthly emerging claims data so that trends that needed to be addressed could be identified proactively. Case Study D: County of Alameda (8,000 employees, 7,000 retirees) Lee assisted the county in negotiating an arrangement between the active employee population and the retiree association. Following a number of well-attended board meetings, we agreed to pass a value of an implicit subsidy that existed and charged the retiree association accordingly. This addressed the difference between true active rates and retiree rates, and the complexity that arises from blending the rates. Case Study E: Hospital System (20,000 employees) Lee Exton led the team that developed a custom network with preferred pricing to the health systems narrow network. This program allowed employees to use services in the narrow network and receive the 22 best level of benefits, while they could also go out of the narrow network to the umbrella PPO network and receive a medium level of benefits, for those who wanted to elect an out-of-network option, made allowances for that as well. Case Study F: State of Ohio Lee led the team that implemented a high deductible health plan (HDHP) program for the state of Ohio. This model has been embraced by hundreds of other organizations since it was implemented, and it laid the foundation for the high deductible HAS plans that are now prevalent across the country. C. Descriptions of the qualifications of the individual(s) providing the services. Proposed Staff: Name/Title/Tenure Brief Description of Areas of Responsibility Brief Description of Education, Experience and Professional Qualifications Executive Sponsors Shannon Taylor / President Pacific Region Employee Benefits / HUB Tenure: 8+ Years Executive Sponsor Education: Northwestern University, MBA, Strategy, Organization & Leadership, University of Illinois, BS Business; Career Experience: 40+ Years: CIGNA, UnitedHealthcare, Intercare Insurance Solutions; Professional Qualifications: Life & Health License in Multiple States Mike Der Manouel, CPA / President Central California Executive Sponsor Education: California State University, Fresno, B.A., Business Administration, Accounting Career Experience: 24+ years Professional Qualifications: CPA, P&C License CORE Team Proposed Staff: Name/Title/Tenure Brief Description of Areas of Responsibility Brief Description of Education, Experience and Professional Qualifications Lee Exton, CEBS / Sr Vice President, Total Rewards & Employee Benefits / HUB Tenure: 1+ Years Consulting Team Lead Education: University of California, Irvine: BS, Biology; BA, Economics / Management Emphasis; Wharton School, Certified Employee Benefits Specialist (CEBS); Career Experience: 30+ Years: Mercer, Keenan, Watson Wyatt, Allergan; Lee has consulted with 20+ organizations with 3,000+ employees including: Nordstrom (25K EEs), American Honda (60K), Dignity (CHW) (30K), AHMC (8K), Boeing (90K), Rockwell (20K), Prospect Medical Holdings (20K), Eisenhower Medical Center (4K), Alameda County (8K), ACERA (7K); Instructor for the International Foundation of Employee Benefits Plans (IFEBP); Professional Qualifications: Certified Employee Benefits Specialist (CEBS), Alumni Appointment to UCI Board of Directors, Toastmasters President & Competent Communicator (CC) Designation, Life & Health Licenses in Multiple States 23 Nicole Floyd, CPA / Regional VP Employee Benefits / HUB Tenure: 5+ Years Co-Team Lead Education: University of Washington, BA, Business Administration, Accounting; Career Experience: 20+ Years: Washington Society of Certified Public Accountants (WSCPA), DigiDeal Corporation, Emspring Corporation; Professional Qualifications: Certified Association Executive (CAE), Certified Public Accountant (CPA), Sr Professional in Human Resources (SPHR) Ann Wilson / Employee Benefits Practice Leader / HUB Tenure: 9+ Years Employee Benefits Practice Leader Education: UC Irvine, BA, Political Science & Government; Career Experience: 20+ Years: Benefits Resource, Lakeshore Learning Materials; Professional Qualifications: Certificate in Global Benefits Management (GBM) Peter Meilak / Account Executive, Employee Benefits / HUB Tenure: 5+ Years Account Executive Education: California State University, Fullerton, BA, Financial Management; Career Experience: 30+ Years: Crews MacQuarrie, Buck @ Xerox, Sanwa Bank, Rockwell Collins - Boeing Professional Qualifications: Life & Health License in Multiple States, Numerous Microsoft Certifications Wendy McKinney / Senior Benefits Analyst / HUB Tenure: 9+ Years Senior Benefits Analyst Education: University of California, Riverside, MA, Art History; Rutgers, BA, Art History; Career Experience: 20+ Years: Dignity Health, Hexcel; Professional Qualifications: Life & Health License Michelle Acosta / Account Representative / HUB Tenure: 4+ Years Account Representative Education: California State University, Fullerton, BS, Kinesiology; Cal Poly Pomona, Teaching Credential, Adaptive Physical Education; Career Experience: 10+ Years: A Snail’s Pace, Placentia Unified School District; Professional Qualifications: Life & Health License, Teaching Credential Liliana Salazar, JD / Chief Compliance Officer, Pacific Region / HUB Tenure: 4+ Years Legal & Compliance Education: Universidad de Los Andes, JD; Career Experience: 20+ Years; Professional Qualifications: Juris Doctor Chuck Der Manouel, Executive Vice President Commercial Education: 1992 BSBA, Management, UNLV Career Experience: 18+ years Insurance Industry; 11+ Retail industry Professional Qualifications: P&C License Bree Owens, Employee Benefits Department Manager Client Services Education: Clovis High School Career Experience: 18+ years Insurance Industry; Customer Service Professional Qualifications: Life and Health License 24 Proposed Staff: Name/Title/Tenure Brief Description of Areas of Responsibility Brief Description of Education, Experience and Professional Qualifications Specialty Consulting Team Mark Guajardo, ASA, MAAA / Consulting Actuary & Director of Analytics / HUB Tenure: 3+ Years Actuarial Expert Education: University of Texas, Austin, BS, Mathematics; Career Experience: 25+ Years: Mercer, Milliman, IPS Advisors; Professional Qualifications: ASA, MAAA, Life, General Lines: Accident, Health & HMO License Dan Openshaw / Director of Analytics / HUB Tenure: 6+ Years Claims Analytics Education: Brigham Young University; Career Experience: 20+ Years: Towers Perrin, Intercare Health Insurance; Professional Qualifications: Life & Health License Barbara Hawes / National Pharmacy Practice Leader / HUB Tenure: 1+ Years Pharmacy / PBM Expert Education: DePaul University, MBA; Purdue University, BS, Pharmacy; Career Experience: 25+ Years: Caremark, Towers Perrin, Watson Wyatt, Aon, Lockton; Professional Qualifications: Registered Pharmacist (RPh) Dan Fisher / Sr VP Strategic Accounts / HUB Tenure: 5+ Years Self-Funding Strategist Education: University of Washington, BA, Business; Career Experience: 30+ Years: Direct Administrators, ProSential Group, Emspring Corporation; Professional Qualifications: Board President, Washington Society of CPAs, Chartered Global Management Accountant Lindsay Steckler / West Region Health & Performance Consultant / HUB Tenure: 6+ Years Health & Performance (Wellness) Expert Education: Boston University, BS, Exercise Science; Career Experience: 14+ Years: Health Fitness Corporation, MediFit Corporate Services, Intercare; Professional Qualifications: National Certification from American College of Sports Medicine Mackenzie Mills / Technology Practice Lead / HUB Tenure: 5+ Years Human Resources Information Systems (HRIS) Expert Education: California State University, Sacramento, Political Science & Government; American River College: English Communications & Literature; Career Experience: 10+ Years: State Farm, benefits CONNECT; Professional Qualifications: Numerous Computer System Certifications Mingee Kim / SVP, National Practice Leader / HUB Tenure: 6+ Years Workforce Absence Management Expert Education: University of Illinois, Masters in Health Services Administration (MHSA), University of Illinois, Champaign-Urbana, BS, Molecular & Cellular Biology, Communication; Career Experience: 4+ Years: Laurus Strategies; Professional Qualifications: Certified Leave Management Specialist (CLMS), Certified Professional Disability Management (CPDM) 25 Meagan Tyson / National Director Employee Communications / HUB Tenure: 6+ Years Communications Expert Education: San Diego State University, BA, Communications/Public Relations; Career Experience: 7+ Years: Intercare Health Insurance; Professional Qualifications: Numerous National Communications Awards Peter Duncan / Executive Vice President / HUB Tenure: 10+ Years Professional Employer Organization (PEO) Expert Education: American College, MS, Financial Services; Career Experience: 40+ Years: Sidles, Duncan & Associates, Blue Shield, Health Net; Professional Qualifications: Certified Employee Benefits Specialist (CEBS), Certified Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Life & Health License; Board Vice Chair, OneOC Heather Garbers / Vice President Voluntary Benefits / HUB Tenure: 6+ Years Voluntary Benefits Expert Education: University of Nebraska, BA, Business Admin with Finance; Career Experience: 14+ Years: United Professionals Agency, All State Benefits, GBS Benefits; Professional Qualifications: Science of Wellbeing Certification, Yale University, Women in Leadership, Navigating the Double Bind, Certified Voluntary Benefits Specialist (CVBS), Colorado Long-Term Care, Life & Health License Eric Barthel / Senior Vice President, Employee Benefits / HUB Tenure: 8+ Years Custom Narrow Networks Expert Education: Glendale College: Music; Career Experience: 30+ Years: Aetna, United Healthcare, Creative Benefit Concepts, Sidles Duncan & Associates; Professional Qualifications: Life & Health Licenses in Multiple States Ashley Thomalla, PhD / Sr. Human Resources Consultant / HUB Tenure: 4+ Years HR Consulting Expert Education: University of Nebraska, PhD, Industrial / Organizational Psychology, MA, Industrial / Organizational Psychology, BA, Psychology / Sociology; Career Experience: 15+ Years: SilverStone Group, University of Nebraska, Center for Applied Psychological Services, US Strategic Command's Global Innovation & Strategy Center; Professional Qualifications: Seven Benchmarks: Advance Certification, WELCOA, Certified Compensation Professional (CCP), WorldatWork, Global Remuneration Professional, WorldatWork 26 D. Any material (including letters of support or endorsement) indicative of the bidder's capability. Earlier in the response, we talk about our services for the County of Stanislaus, a 3,500 employee health plan. This case study, and the endorsing quote from their Executive Director, further illustrates the capabilities that HUB International brings to its California Clients. “With over $120 million in savings, a happy board of supervisors, administrators and members, this program demonstrated that the current way of doing business doesn’t work for all employers and with creative solutions and exceptional partners, we can do something very special.” - Jody Hayes, Chief Executive Officer, County of Stanislaus The Challenge The County of Stanislaus had a one-size-fits-all approach to healthcare which they felt didn’t address their specific populations. In fact, they felt it missed the unique characteristics of communities within their service areas, leaving the employer with few tools. In spite of HMO success, there were important gaps: o Transparency o Provider-specific outcomes data and clinical results o Health plans did not allow employer to competitively bid for best in market services The Solution Based on HUB’s recommendations, the County implemented a different approach that significantly reduces the influence that health plans have on annual program renewals. Plus it gives them more influence and control over the management of annual health plan expenditures: o Create a competitive environment between health plans for County enrollment o Use health plan data to evaluate health plan financial and clinical performance and improve participant health o Reduce overall County health plan costs The Results Using market-based trend increases and adding the costs associated to PPACA for insured plans and premium taxes, we helped the County of Stanislaus: o Save over $120 million dollars (in 72-month period) o Create complete financial and clinical transparency o Embrace flexibility – we can reply on the advice and counsel of our consultants and vendors, but we retain ultimate authority on the management of the plan o Improve clinical outcomes through collaboration with providers o Provide concierge-level support for members with chronic and complex medical cases o Engage stakeholders 27 E. A brief description of the bidder's current operations, and ability to provide the services. As the world’s fourth largest insurance broker/consultant, HUB International LTD (HUB) is extremely familiar with all profiles of purchasers, including the self-funded and alternately funded public sector market. Public sector purchasers are very unique and require consultants with expertise in these key areas: o Negotiated benefits o Collective bargaining relationships o Product/program procurement o Legal/policy and regulatory requirements o Communications o Managing relationships with parties who may have competing agendas Both nationally and locally, HUB consistently demonstrates proficiency through effective management of complex, public sector benefit plans. This is achieved by: o Comprehensive understanding of the cost and quality of healthcare and knowing how to use the tools to improve the cost and quality of healthcare o Providing timely and accurate responses to client queries and needs o Fully understanding all aspects of the Affordable Care Act (the ACA) and all other relevant regulatory and legislative requirements for plan sponsors and guiding purchasers to make informed and compliant decisions o Development and implementation of a comprehensive strategic plan for our clients and effectively communicating that strategy to all benefit plan stakeholders. An example of our work with clients similar to County of Fresno can be found in the Case Study: Controlling Health Care Costs – The County of Stanislaus’ Transition from Insurance Buyer to Healthcare Purchaser in D, above. HUB has local expertise with large, self-funded public agencies and an infrastructure that provides tremendous support in these key areas: o Legal and compliance resources With in-house and available legal counsel o Employee communications Through our award-winning graphics and communications team o Technology expertise Healthcare data warehousing Private exchange platforms Implementation of on-line member support systems o Wellness program development and implementation Data-based analysis of clinical gaps in healthcare to develop programs which have the greatest opportunity for success with specific populations HUB has local offices in County of Fresno. They are located at 548 West Cromwell, #101, Fresno, CA 28 93711. Having feet-on-the-ground nearby is an added value that we bring to your organization. The local organization is run by the Der Manouel brothers, who have many clients in the Fresno County area. F. Copies of the audited Financial Statements for the last three (3) years for the agency or program that will be providing the service(s) proposed. If audited statements are not available, compiled or reviewed statements will be accepted with copies of three years of corresponding federal tax returns. This information is to be provided after the RFP closes, if requested. Do not provide with your proposal. If awarded the contract, HUB would provide the requested Financial Statements. G. Describe all contracts that have been terminated before completion within the last five (5) years: There have been no contracts terminated for members of the proposed Team during the last five years. 1. Agency contract with: N/A 2. Date of original contract: N/A 3. Reason for termination: N/A 4. Contact person and telephone number for agency: N/A H. Describe all lawsuit(s) or legal action(s) that are currently pending; and any lawsuit(s) or legal action(s) that have been resolved within the last five (5) years: 1. Location filed, name of court and docket number 2. Nature of the lawsuit or legal action HUB International has pending lawsuits; however, nothing that would be considered unusual for a broker of our size. We are unable to discuss or describe any ongoing investigations being vetted through the proper legal channels. I. Describe any payment problems that you have had with the County within the past three (3) years: 1. Funding source 2. Date(s) and amount(s) 3. Resolution 4. Impact to financial viability of organization. None. 29 XI. Scope of Work A general discussion of your understanding of the project, the Scope of Work proposed and a summary of the features of your proposal. The primary focus of Health Consultation Services will be as an advocate for the County in our relationship with the San Joaquin Valley Insurance Authority (the “SJVIA” – review the “County Health and Benefits” section, below, for more information) to ensure that the SJVIA rates are competitive, review rates from an actuarial perspective, the procurement and administration of health benefits to retired employees and compliance with applicable state and federal laws and regulations. The primary focus of Non-Health Consultation Services will be in the procurement and administration of Life Insurance, Disability Insurance, Voluntary Benefits, Flexible Spending Accounts, and the Employee Assistance Program. 1. The County is seeking a summary that includes the vendor’s broad understanding of the scope of the County’s request and a summary of the vendor’s entire proposal. Executive Summary Based on our past interactions with County of Fresno, we have a general understanding of how the organization is structured and the unique needs of the local community. We will discuss with your benefits team the changes they would like to see made. We will work to guide and consult you in your interaction with the San Joaquin Valley Insurance Authority. Overview Lee Exton and his team are the most qualified health and benefits consultant for the County of Fresno. We are experienced with advising California Counties regarding Health Insurance Broker and Consultation Services, and Ancillary Benefits including life, disability, Employee Assistance Plan (EAPs), Flexible Spending Accounts (FSAs), Pharmacy Benefit Management (PBM), Wellness and individual voluntary benefits. What Makes Our Team the Most Qualified to Be Your Consultant Below is a description of how your team lead, Lee Exton, more than satisfies your stated requirements. Well-versed in the health benefits market Lee Exton has over 25 years consulting on employee benefits. He has advised over 20 employers that have over 3,000 employees including counties, cities, states and other municipal organizations. He helped develop a purchasing coalition for an alliance of three counties and is well versed in what can be achieved through combining membership for greater leverage in negotiation. Self-funded plans Lee has consulted on over 30 self-funded programs ranging from a few hundred employees to over 60,000. He is familiar with the broad array of Point solutions that can enhance the results of self funded programs (e.g. Livongo, Carrot, Hinge). Self-funded program success requires coordination with stoploss partners, and Lee has negotiated a wide variety of stop loss arrangements. Lee is also very familiar with navigation platforms provided by Quantum and Accolade that significantly improve the Net Promoter Score (NPS) of health care programs. Experienced in advising comparable public agencies 30 Lee has advised Fresno County, Santa Barbara County, Alameda County, Tulare Regional Medical Center, and the State of Ohio, all of which have thousands of covered members. Lee is familiar with the unique needs of 37 Act counties. Purchasing Alliance Experience Having constructed a purchasing alliance for other California counties, Lee has added insight to advocate for the County in our relationship with the San Joaquin Valley Insurance Authority (SJVIA) to ensure your rates are competitive, review costs from an actuarial perspective, procure and administer health benefits, and provide guidance regarding applicable state and federal regulations. HUB has broad experience working with a large number of purchasing alliances and can provide clear guidance in this area. Wellness Consulting Expertise HUB has a Health and Wellness practice that provides state of the art advice in this area. Lee Exton has designed award winning, state of the art wellness programs. Systems Consulting Expertise We have a specialized Technology practice that is available to help with two of the systems you have in place: o PeopleSoft Human Resource Management System o MyWorkplace.net Able to Provide Legislative Updates on Both Proposed and New Legislation HUB has an internal legislative analysis department that provides commentary on proposed and new legislation. Supporting Labor Lee has worked with probably all of the labor organizations that currently represent the Fresno County employees and retirees. Supporting Staff Lee worked to provide appropriate support for the Human Resources team at Fresno County, and has worked closely with many other HR teams. Supporting Management Lee has worked with the management teams of many organizations, both public and private. When Lee was the consultant for Fresno County, he worked with Janet Coleman, Cheryl Carlson, Annie Lee, Irene Vazquez and Ralph Jimenez. Cheryl Carlson would be happy to describe the working relationship I had with her team. She can be reached at: cac3645@gmail.com, 559-259-2772. Lee has extensive experience meeting with Boards of Supervisors and addressing their questions. Importance of Transparency We believe it was not fully appreciated how much the consultant you selected in 2016 would be receiving from a combination of consulting fees and commissions. We applaud your effort to achieve complete transparency regarding fees and commissions. HUB is committed to being fully transparent regarding all fees and commissions we receive. Your RFP states: “there is not enough data on the Accident, Critical Illness, and Hospital Confinement insurance policies to provide meaningful commission information.” We utilized the information provided in Exhibit B, statistics from various sources including the Employee 31 Benefits Research Institute (EBRI) combined with available pricing of similar programs available on the internet. Our “Best Guess” Estimate is that additional commissions were in the range of $90,000 to $150,000 annually. These are in addition to consulting fees. HUB’s Proposals o Option 1 - $125,000 per year adjusted for inflation. HUB credits all commissions received back to the County. o Option 2 - $125,000 per year adjusted for inflation offset by commissions HUB receives. HUB retains commissions for employee-paid benefits. These commissions will be used to offset fees or pay for other services. County will retain commissions on County-paid benefits. A New Need for You to Consider: COVID-19 Longhaulers The news is reporting long-term effects of COVID. The CDC reports that at least 10% of individuals who have had COVID, regardless of whether the case was mild to severe, are experiencing a constellation of long-term symptoms. We believe that standard health plan benefits may be insufficient to address the unique needs of this group of survivors, and that supplemental programs may need to be provided. To date there have been over 30,500,000 COVID cases in the US. Based on CDC estimates, this means over 3,500,000 Americans will be dealing with long term COVID symptoms, some of which are lasting months. The magnitude of this impact is just starting to be appreciated. The list of over 100 long term post COVID symptoms being experienced include: Anxiety, Depression, Hair Loss, Debilitating Pain, Breathing Issues, Loss of Taste & Smell, and Sleep Problems. HUB Is Ready to Hit the Ground Running We understand that you expect us to be prepared to solicit proposals for benefits immediately upon contract execution in July. To this end we have developed a detailed calendar of scheduled activities, along with deliverables, and responsible parties. This Proposed TimeLine is in the Appendix. Our experience working with other Counties and Government Entities, including Fresno County gives us a running start. Our involvement working with large 37 Act California counties, across the various stakeholder groups: Labor, Management, Retirees, Actives, Board of Supervisors provides us a solid foundation upon which we will consult with Fresno County going forward. As you know, there are a lot of moving parts during the review of proposals, selection of finalists, further negotiation, selection of the new program, and approval from the Board of Supervisors. Communicating the benefits of the program that is ultimately selected to the various stakeholders in the County is critical to ongoing success and appreciation of what is being provided. Additional References The following references don’t fit within the RFP format, but they are all benefit managers with whom Lee Exton personally consulted at other California Counties and Government Agencies prior to HUB. They are available to tell you what it was like to work with him. Cheryl Carlson Fresno County - Former Benefits Manager 559-259-2772 cac3645@gmail.com Sharen Stanek Alameda County & Alameda County Retiree Association (ACERA) – Former Benefits Manager 415-977-7967 sstanek@delta.org 32 Brooke Brown Tulare Regional Medical Center – Former Benefits Manager 559-901-6803 sbkkbrwn@gmail.com Timeline o Open Enrollment period for 2022 begins in October. o Plan year begins December 13, 2021. Additional Benefits Topics You May Want to Investigate There are a number of benefits related topics that you may want us to explore with you including: o Long COVID o Narrow Networks o Navigators: Quantum / Accolade o Point Solutions: Livongo, Carrot & Hinge o Self-Funding and other Alternative Funding o Dependent Eligibility Audit o Wellness: Biometric Screening o Long Term Care o Cancer Coverage o Financial Wellness o Student Loan Payoff o Identity Theft Protection o Legal Services o Pet Insurance HUB’s Expansive Scope of Consulting Support HUB has an expansive panel of consultants to assist the County across many different areas. o HRIS o HR Consulting o Compensation o Property & Casualty o Workers Compensation What Fresno County Needs We are prepared to assist you with the following plans expiring at the end of 2021: o Retiree health o Pharmacy benefits management services for retired employees o Employer and employee-paid life insurance o EAP provider for active employees 33 Fresno County Benefit Program We understand that the County currently utilizes the following plans/benefits through the SJVIA. We have he experience working with other purchasing programs, to guide the analysis of your existing arrangement. o Health/Mental Health o Anthem Blue Cross o EPO o PPO o HDPPO o Kaiser HMO o Dental o Delta Dental DPPO o DHMO o Vision (VSP) o PBM services (EmpiRx) o COBRA administration HUB’s Role We are prepared to assist you with the one-year participation agreement with the SJVIA for plans and services. We will help you evaluating the best health insurance options available to the County, including consideration of a narrow network option similar to the program we developed for Stanislaus County. We are ready to analyze the proposed rates and plan design options from the SJVIA and to solicit bids from other carriers outside of the SJVIA at your direction. Retiree Health Insurance and Pharmacy Benefit Management Services The County offers four plans to Pre-65 and Medicare-eligible County retirees which are not through the SJVIA. Pre-65 Retirees Pre-65 retirees may utilize the Anthem Blue Cross HDPPO. Medicare Programs Medicare-eligible retirees may utilize one of three plans: o A Medicare Supplemental plan provided by United American/Retiree First with United HealthCare Rx providing the prescription coverage. o Two Medicare Advantage plans through Kaiser Senior Advantage with a high and low option. HUB’s Role All Retiree benefits will require the solicitation of bids by the consultant for the 2022 plan year. Ancillary/Voluntary Benefits o Employer-paid life and accidental death & dismemberment (AD&D) insurance through Voya/ReliaStar o Employer-paid long-term disability insurance for unrepresented management employees through Met Life o Employee-paid life, critical illness, accident, hospital confinement through Voya o Employee-paid short-term disability insurance benefits through California SDI (most employees are covered under this policy) 34 o Employee-paid personal property (e.g., car and/or homeowner) insurance through Liberty Mutual HUB’s Role For employer- and employee-paid life insurance policies solicit bids for the 2022 plan year. Personal Property Insurance The County offers personal property insurance, such as auto and homeowner insurance, from Liberty Mutual. This arrangement is through the California State Association of Counties. Solicitation of bids by the consultant is not immediately required but may be requested by the County at any point in the future. Employee Assistance Program The EAP is provided by ComPsych Corporation. The County utilizes a three (3) visit per six (6) month model, with an on-site hour bank of 110 hours. These services are provided under the County’s Life Insurance agreement with Voya/ReliaStar. As we are in the final year of our agreement with Voya/ReliaStar… HUB’s Role County requires solicitation of bids by the consultant for the 2022 plan year. Flexible Spending Account Program o Health o Dependent Care o Parking and Transit Current administrator is Navia Benefit Solutions. The County is currently in the fourth year of a five-year agreement. HUB’s Role HUB will solicit bids the 2023 plan year. Wellness Program With a focus on building a healthy lifestyle through nutrition, fitness, and weight management. HUB’s Role We will: o coordinate wellness challenges, o advocate for sufficient wellness funding through the SJVIA, o act as a liaison between County and the healthcare providers to provide wellness services, such as mammograms and biometric screenings. 35 Scope of Work Summary 2. The summary will also include a statement that the vendor will provide all the services included in this Scope of Work. If the vendor is unable to provide any of the service(s), they will describe which of the service(s) they are unable to provide. HUB International would provide all services to the County of Fresno as detailed in this Scope of Work. HUB International is uniquely qualified to perform the services outlined in the Scope of Services referenced in the County’s RFP. Specifically, we will include the following services in our contract with the County should HUB International be awarded with the contract: Thorough analysis of the following o Existing lines of coverage Financial Clinical Administrative o County plan-participant demographics and any other related data o County healthcare delivery Utilized hospitals, healthcare providers and ancillary care providers Hospital quality Medical group quality Community healthcare adequacy of services Tertiary care provided outside the community Pharmacy providers and local trends o Most recent renewal exhibits Development of alternative healthcare program viability study o Establish benchmarks for self-funded plan benefit costs Healthcare costs Administrative costs PPACA cost implications Development of the Strategic Plan for County Health Benefits Meet with County benefits teams and other stakeholders as identified by the County o Establish 1 year, 3 year and 5-year targets and objectives Bid all lines of coverage based on plan analysis and County direction Audit County plan documents, process and notices for compliance: o Contracts o Summary Plan Descriptions (SPDs) and Evidence of Coverage documents o Wrap SPD 36 o Employee notices o Medicare Part D and other IRS/DOL reports o Plan design o Affordable Care Act (ACA) compliance Contributions Plan designs Appeals Administrative performance o Analysis and recommendations o On-line and other technology plan benefit solutions Attend meetings with County staff/executives, employees/plan participants, collective bargaining groups, retirees and County elected officials Ongoing reporting of plan performance o Financial o Clinical o Administrative Develop recommendations and proposals for County consideration Actuarial analysis, as necessary o Determination of GASB liability for retiree coverage Assess and develop benefit plan communication strategy o Member communication o Provider communications o Collective bargaining communication Your HUB team has excelled in existing engagements with purchasers similar to the County that reflect and focus on: Strategic planning – some of the questions we seek answers to include: o What are the County’s financial, clinical and administrative objectives? o What are the key business and clinical issues impacting healthcare of County plan participants? o What it the County’s mission for employee healthcare? o What are the gaps preventing the County from achieving its mission? o Engage collective bargaining units, as appropriate Innovative approach to benefit design and management o Thorough analysis of plan-sponsor’s benefit plan data demographics, healthcare delivery models and local healthcare delivery systems Proven track record o Our team achieved $30 million in savings for Stanislaus County’s health benefit plan while maintaining benefit levels (i.e., no increase in member cost-sharing), representing approximately a 17% savings over their fully insured plans 37 Innovative program design o Establish viability of High-Deductible Health Plans and Health Savings Account Arrangements o Development of proprietary network strategy Implementation Management o Implementation of plan-specific care-management models o Pharmacy care management Underwriting expertise o Can provide cost estimates and financial modeling for a variety of alternative plan financial and plan-design structures Benefit plan management o Plan financial management Regularly meet with County benefits team to review plan performance and to ensure strategic planning objectives are met Assist with the development of projected plan pricing in support of the County’s budgeting process Plan cost relative to “plan” Plan financial and clinical performance relative to local and other benchmarks Review of financial trends Corrective action, as needed, based on emerging plan data Provide meaningful, data-based recommendations, based on the County’s objectives o RFPs for all lines of coverage Carrier/vendor negotiations for all dimensions of performance and cost o Implementation of new programs and vendors o Employee communications Employee newsletters Open enrollment benefit guides Retiree newsletter o Compliance PPACA/HIPAA/COBRA/State regulations and mandates • County staff training and education • Process and documentation • Plan design • Assist with IRS/DOL filings • Cadillac Tax implications and financial modeling • Identify services that can be transitioned to outside vendors, evaluate viability 38 • Develop process and/or identify tools to assist County implement dependent eligibility audits Vendor contract adherence o Support for plan participants: Open enrollment and employee communications, including the development of benefit guides and other benefit-related documents Ongoing meetings with plan participants, local providers and plan vendors in support of member health and education Assist with vendor disputes Ensure vendor compliance with all plan requirements pertaining to participant rights Support the appeals process with legal and clinical support, as needed Plan administrative management o Manage vendor performance o Measure and monitor plan administrative activity Contractual obligations/performance guarantees Industry standard plan activity • Claim and Member Service results o Examine what technologies exist to meet the County’s objectives for plan management 39 Scope of Work Proposal Requirements 1. How long has your firm provided consultant services as described in the Scope of Work? Is your firm qualified and licensed to conduct business in California? Please provide appropriate documentation. HUB International incorporated in 1999 in the US and has provided health and benefits brokerage and consulting services since then. We are a licensed broker in California. An image of our California license follows. 2. Regarding the principal consultant advising the County: a. Please describe their experience and qualifications, including their current number of clients. As mentioned in A under X. Vendor Company Data, Lee Exton will be the principal consultant advising the County. Lee has been an employee benefits consultant for over 25 years. He has extensive experience advising cities, counties, states and other municipalities. Lee Exton served as County of Fresno’s consultant from 2000 to 2004 working closely with the prior director, Janet Coleman, and the employee benefits manager, Cheryl Carlson. Lee gave presentations to County of Fresno union organizations, County Management, the Board of Supervisors and the Retirees. He currently works with seven employee benefits clients ranging in size from 100 to 14,000 employees. 40 Over his career, Lee has been employed by the following insurance organizations as a consultant prior to joining HUB International: Mercer, Towers Watson, Keenan & Associates, and the Segal Company. Other counties that your HUB team has advised include: Fresno, Alameda, Stanislaus, Santa Barbara, Kern, and Tulare. Case Study Synopsis When the State of Ohio wanted to implement a high deductible health plan, they reached out to Lee because of his unique expertise in the area. The program Lee and his team developed for the State has served as a model for numerous other public entities. In their first year, they migrated approximately 10% of the employee population into this plan. Lee’s complete bio is included in the Appendix. b. If the principal consultant were to leave your firm, how would service be provided? How soon would a new principal consultant be assigned to the County’s account and will you agree to give the County the right of approval of any staff member assigned to this account? If the principal consultant were to leave HUB, the service would be provided by one of HUB’s other experts in public sector programs. We will provide the County with an opportunity to meet and approve other staff members that are assigned to the account. It is important that you feel comfortable with all of your consulting team. 3. What resources does your firm have available in the area of developing employee communications? Provide an example of communication materials developed by your organization for use in a client’s health benefit communication campaigns, including Open Enrollment and New Employee Orientation materials. In the area of communication and design (C&D), HUB helps organizations build communication strategies to drive employee engagement. Our Communication and Design practice – an innovative, highly creative, results-driven team, is focused solely on creating bright, engaging experiences that make employees stand up and take notice. We are different from other firms whose account managers and benefits staff also are responsible for developing communications. In contrast, HUB has a cohesive team of 20 across the country: strategists, writers, graphic designers, consultants, project managers and video developers. All day long our team creates campaigns that reflect your culture and brand – and we deliver measurable results! The proof is in the prize – in 2014, 2015, 2016, 2017, 2018, and 2019, HUB won multiple Platinum and Gold MarCom Awards for client communications campaigns. MarCom Awards recognizes outstanding creative achievement by marketing and communication professionals. The Awards are an international creative competition for companies involved in the concept, writing and design of print, visual, audio and web materials and programs. A few examples of employee communication pieces are included in the Appendix and we invite the County to visit our company’s C&D website for more: hubinternationalcd.com. Communications Because HUB is in the unique position of having an in-house communications department, we have direct oversight to ensure the quality of all materials created for your employee benefits. Should the County have a preferred group that produces employee communications, HUB’s team can work with them to assure that the “look and feel” of your message and branding is carried through. The following are examples of creative solutions developed by HUB to successfully increase the employees understanding and participation in their benefits program. Samples are included in the Appendix. 41 HUB’s in-house Communications and Design (C&D) practice are skilled strategists, writers, graphic designers and consultants who build communications strategies that drive employee engagement. This practice uses a 12/12 approach to campaigns to ensure County employees are educated 12 months prior to open enrollment with consistent, engaging follow-up all the way through post open enrollment. Whether a company seeks print, digital or mobile, the C&D practice brings your culture, brand and message into a single strategy that empowers employees and strengthens their relationship with County of Fresno. With the cost of providing benefits to employees averaging upwards of $11,000 per employee per year, investing in communications is vital to ensure that employees appreciate the benefits their employer offers. After years of building and executing communication campaigns, we’ve found it’s not the dollar amount that employers spend on benefits that matters but rather, how well employees are engaged about the benefits being offered. Adhering to this belief, we’ve fine-tuned our process, offering two approaches to address your distinct needs: Our Core services are included in our fee, while our Custom work will be scoped on a per project basis. We understand the importance of an educated workforce and the value of a proactive and consistent employee communication process. Helping employees understand and appreciate their benefits is a critical first step toward empowering them to make cost-effective decisions and, later, embrace employer initiatives when benefits change. This includes assuring communications are made available in the languages needed. Before we address our Enrollment and Communication approach, we want to understand more about your employee population. We do this through the use of our proprietary tool, Persona Analysis. 42 Persona Analysis Our proprietary employee demographic evaluation tool, Persona Analysis, translates your employee census into actionable data around plan preferences, communication styles, and what matters most to your employees. This then becomes part of our three-year strategic plan, as it also anticipates changes in your employee population’s needs as it changes and grows. The analysis goes beyond just generational segments. It gives you a multi-dimensional understanding of your employees. Give us a standard census, plus six additional pieces of data about your workforce and we’ll give you a custom report that identifies the following: o Key personas within your workforce o Benefit gaps that put your employees at risk o Recommendations on how to align benefits, communication and wellness strategies to have the greatest and most meaningful impact o Insights into what is driving your costs, your turnover and how attractive your benefits offering is to recruit potential and new employees Employee Focus Groups After completing our Persona Demographic Analysis, we recommend having HUB conduct Focus Groups with employees from each of the demographic categories. Through this process we often uncover previously unvoiced issues that typically impact certain employee segments. It really adds depth to Human Resources’ appreciation of what employees are experiencing. When we know what concerns employees are having, we are equipped to work with your vendors, communications team and others to address them. 4. Does your firm publish newsletters and other informative publications that are routinely provided to clients? Have you prepared reviews of topics related to the health, life insurance and actuarial fields that are routinely provided to your clients? Describe your publication and provide sample copies. HUB is actively engaged with you from day one, providing industry and service-relevant communiques direct to your Inbox as well as posting regular blog articles on a variety of topics like risk, cost management, directors and officers, business insurance insights, workers’ compensation, compliance and voluntary benefits. Subscribe or simply visit our blog to search for articles by industry, keyword or topic. Following is a screenshot of the types of items you’ll find on our website, including links to on-demand webinars and downloadable ebooks. 43 As mentioned in our answer about Compliance services and support, we communicate legislative information to clients through a variety of channels. Our HUB Bulletins are regularly sent to your Human Resources team via email. Releases will contain Department of Labor Technical Releases, EEOC Publications, HHS Guidance and PPACA Final Rules and Amendments. Our client updates will include citations of the Federal or State agency that issued the guidance. The timely legal compliance updates inform clients, prospects, and our internal HUB specialists, while providing specific action steps, sample forms, suggested plan language, and other tools. Types of compliance communications you can expect from HUB International (Samples of communications sent to your Inbox have been included in the Appendix). HUBInternational.com - HUB’s website is updated regularly with the latest information, webinars on demand, and a library of compliance bulletins. Client email alerts - As important developments arise, HUB sends e-mail alerts to keep your staff well- informed of current events in the employee benefits industry. Webinars – examples of webinar topics include: o Beyond COVID-19: Vaccines and the Workplace - Evolving Risks and Lessons Learned o State Family Leave Laws o HUB HR Anti-Harassment Training o Implementing an Employee Vaccination Program: Cost, Access, and Communication 5. Provide a description of any electronic or internet-based tools your firm provides to clients. HUB’s dedicated Employee Benefits Technology Practice recognizes that there is no effective “one size fits all” solution, so our strategy considers your budget, goals, and timeline. As a result of the changing times, technology has drastically transformed today’s businesses, from productivity to organizational changes to a changing workforce demanding remote and mobile job opportunities, and HR has had to adjust swiftly. Our Technology Practice will perform an evaluation of the County of Fresno’s existing technology solutions, environment and practices, and begin to formulate alternatives that will help you communicate more efficiently and effectively with your employees. We will recommend a solution that is tailored to your business’ need. It could be as simple as a BenefitHUB site (no additional cost) where all benefits and compliance information can be housed and quickly accessed by a mobile phone. Or perhaps you need a system overhaul to include benefits administration, human resource Leverage HUB’s Technology Practice for simple or complex benefits, HRIS, compliance and payroll solutions. 44 information system, human capital management (HCM), compliance tracking and payroll. Technology Assessments – if a client is interested in looking at a new payroll and/or HRIS system, Mackenzie will work through a discovery process, vet the vendors that are most appropriate and prepare a side-by-side analysis of the services and support provided. He will also schedule the demos and negotiate pricing on behalf of the employer. In addition to the HUB Technology Practice, HUB partners with a variety of third-party vendors to provide HR Resources to our clients. Coronavirus Resource Center In 2020, HUB developed the Coronavirus Resource Center (visit it here: https://bit.ly/HUBCoronaResource) to assist our clients and partners in the quickly changing developments of COVID-19. This ever-evolving resource center has information on: o Business Continuity & Claims o Employee Relations & Benefits o Legal & Regulatory Considerations o Retirement Plans and Market Outlook o Personal Risk & Wealth Management o Webcasts & Virtual Events o Government & Other Resources HUB Connected Portal HUB Connected is a value-added service HUB provides to clients as a self-serve or assisted-serve Risk Management and Human Resources library with a variety of topics at your fingertips. With thousands of easily searchable materials, HUB Connected is your one-stop resource on topics including compliance, safety, risk management and employee newsletters. Plus, access an online OSHA log to simplify OSHA recordkeeping compliance. 45 ThinkHR ThinkHR is the leader in Live HR advice. In addition to live support, ThinkHR also provides access to: Over 200 on-demand training courses, online HR library which includes thousands of templates, forms, guides, Employee Handbook builder. The system allows for tracking by management to ensure the appropriate staff members have completed their training modules. HUB University The HUB University series provides complimentary, valuable, up-to-date information that helps to develop your business, improve processes and policies, and reduce your risk. These professionally facilitated workshops are offered on a variety of subjects including: o Contractual Liability o ACA and Compliance o Harassment o Cyber Breach o Employment Law o Workers’ Compensation Guardian HR Platinum – Law and Human Resource *Additional fee. Guardian HR helps businesses navigate the complexities of employment law and human resource regulations. Each client is assigned a dedicated consultant. Platinum services include: o Unlimited access via telephone and email to HR professionals and attorneys o Employee Handbook – updating/review or creation o 24/7 access to online forms library at www.guardian-hr.com o Access to various HR webinars with accompanying PowerPoints o Annual In-depth HR Audit – with your HR Consultant o Email HR Law Alerts – keeps you apprised of changes in employment legislation and HR practices 46 Online Employee Communication Options Benefit Spot HUB’s Benefit Spot is our turnkey mobile benefits solution. With it, employees have easy access to their benefits information with just a tap of an app. Features include: o Up to nine home page buttons o “Tap to call” function o Unique company code employees can enter when opening the app, to access your company's benefits information o Links to benefit resources, including Benefits Guide and plan documents o Links to cost comparison tools and carrier contact information o Compatible with Apple and Android devices Virtual Open Enrollment This Open Enrollment (OE) tool allows you to host all your OE benefits resources and information in one spot. With eight different web page sections, you can link your employees to whichever resources you decide are most important from the Benefits Guide to Videos. This tool allows you to host all your Open Enrollment benefits resources and information in one spot. With eight different web page sections, you can link your employees to whichever resources you decide are most important, including: o Benefits Guide o FAQs o Videos o Calendar of events o One-click contact to HR o And more! Your site can also host an Open Enrollment webinar or video, so your employees can attend a meeting—even if they are working from home. In addition to setting up your web page, we offer site notifications, analytics and one-touch Spanish translation to keep it all running smoothly. Whether your employees have questions about their benefit plans or want to contact their health insurance directly, you can point them to one resource that will address all their Open Enrollment needs. Ask Alex (Jelly Vision) *Additional fees may apply. What is Ask Alex? Ask Alex or Jelly Vision is a platform of interactive SaaS employee communication software that walks employees through big life challenges like selecting a health insurance plan, saving for retirement, managing finances, and managing a leave of absence—helping them make smarter decisions while saving HR leaders time, money and headaches. 47 HUB partners closely with Ask Alex to provide our clients access to this fun, interactive, decision support tool that helps employees choose the best plan for them based on information personalized to County of Fresno’s plan. Employees answer a series of questions about their family status and typical medical needs and Ask Alex quickly and easily provides a cost analysis, taking the uncertainty and fear out of the open enrollment process. Ask Alex was designed by a company that used to design video games. Using this background, the designers have created a fun, gamified experience for employees of all ages and levels of comfort with benefits and technology. You can visit this link to view a brief video about Jelly Vision: https://youtu.be/zGuv50Pzxr4. Compliancedashboard® *Additional fees may apply. An online compliance solution designed to help employers understand the compliance obligations associated with their benefit plans and support their actions to minimize risk. This customized system gives you the information you need, when you need it. Compliance Dashboard offers employers the necessary automated tools to easily identify compliance obligations, track progress, and document activity. Your compliance obligations are at your fingertips, organized in a single calendar, customized to your plan. Using time- sensitive email reminders direct to your Inbox, your compliance activities are broken down into easy-to-understand tasks. Plus, you can pull reports on-demand to demonstrate compliance activities to internal management or auditors. 6. Describe your firm’s view of the role wellness programs have on controlling health care costs. What resources and tools do you offer clients around wellness initiatives? What service does your firm provide for developing a Wellness Program? We believe organizations focused on health as a strategic initiative lead to the improved health of their employees and a more efficient and effective company. Guided by this principle, we develop strategies and implement programs that complement our clients’ goals and create environments where positive mental and physical health can thrive. HUB has successfully created a paradigm shift in corporate culture for our clients from managing disease to supporting holistic wellbeing led by a strategic framework. The results: increased productivity, increased morale and retention, and a measurable value on investment including reductions in health insurance trend. Employee benefits and wellbeing / wellness thrive together and should be integrated into a single solution to deliver the optimal results. With this in mind, we have significantly invested in HUB’s solutions over the last ten years to include one of the most experienced and robust Health & Performance consulting practices in the industry. We collaborate with our clients to design benefits and incentives that engage and encourage employees to lead healthier lifestyles to align with a culture of wellness. HUB’s experienced Health & Performance team is comprised of 18 dedicated full-time employees each with a minimum of 4 years in the benefits and corporate wellness industry. Our clients have received local and national awards for their accomplishments in wellbeing and wellness. Additionally, we are a known leader in the wellness industry by the medical carriers. HUB works closely with each of the major carriers and vendors, staying on top of the latest trends, and in many cases are the innovators of new solutions and designs which 48 we can leverage and integrate into our clients’ overall strategy. Most importantly, we ensure compliance with regulations on the programs and strategies we implement. ACA, EEOC, ADA, and GINA each have very specific stipulations and notifications that must be implemented. HUB understands these complexities and works closely with our clients to ensure compliance. HUB’s Health and Performance practice was built on research that supports this premise: Employee health and company performance are inextricably linked. Organizations that approach employee health and wellbeing as a business imperative, rather than a tactical action item, experience positive impact to organizational performance. Instead of taking a one-size-fits-all approach, our HUB Health and Performance model is rooted in a sound understanding of our client’s culture, business goals and desired outcomes. HUB’s Health & Performance Service Model consists of three distinct pillars: HUB’s Health & Performance Service Model consists of three distinct pillars: Core Consulting – Using deep industry knowledge, our H&P Consultants will work with your company to develop a goal-specific annual roadmap and multi-year strategy to deliver the best results for your unique organization. Programs and Solutions - Based on your organizational goals and strategy, our Consultants will work with you to identify the most effective solutions given your internal and external resource allocation. We pay special attention to your workplace culture, budget and demographics. Value Added Resources - As a client of HUB, you will have complimentary access to our proprietary resource portal, ChooseWell Online, in addition to a library of other resources curated by our Health & Performance Consultants specifically for client use. ChooseWell Online delivers the information and resources HR needs to implement a broad range of wellness strategies and programs. ChooseWell Online is 100% free to our clients and provides turn-key resources in the following areas: o Getting Started with Wellness includes an annual planning calendar, gaining leadership support, and a guide on starting a wellness committee o Data Collection and Evaluation includes sample surveys, environmental assessments, and case studies o Over 30 turn-key Awareness Campaigns and easy-to-administer Wellness Challenges o Program Planning Tools and Guidance including sample program policies, a wellness program and compliance checklist, incentive designs and budgeting calculators, guides on how to deploy a successful health fair or flu shot event, and more o Employee Communication Pieces including unique monthly newsletters, tip sheets, posters and flyers o Many clients have benefitted by using ChooseWell Online to both design their own wellness programming (for example, through a wellness committee) and supplement their partnership with a wellness vendor (for example, conducting an environmental assessment). With a deep understanding of our clients’ business and culture, we provide the strategy, solutions, and expertise to accomplish your employee health and performance goals. Our Process encompasses a successful wellness methodology which directs our clients through a phased, multi-year path. 49 HUB partners with our clients and utilizes a variety of potential metrics to measure the effectiveness of a wellness program and strategy. As part of the initial discovery process, we will work with you to identify program goals and desired outcomes, required resources, and establish potential program investment. We will then identify and establish the metrics required to track our progress towards the desired outcomes. EAP utilization, preventive care compliance, retention rates, and employee surveys can all be utilized to evaluate current state or present indicators. In addition, we can use historical medical claims, Rx utilization, and worker’s compensation claims (lagging indicators) to determine those areas that present the most risk on a plan design level that require focus and attention. When data analytics tools are in place, or HUB’s Data Analytics team is engaged, unique population groups can be measured to assess the impact of wellness programs over time. High-risk members can easily be identified and tracked over time using claims information, biometric screening data and, (if applicable) clinic participation. Health and performance is a key component of HUB’s value proposition and multi-year strategy. Strategic Consultation – When partnering with HUB, you’ll be guided by a Health & Performance industry expert as we work toward your specific Health & Performance targets. Should you engage our team, the process will include the following key steps and deliverables: o Annual Strategy and Program Plan o Wellness Compliance Expertise o Wellness Funding and Budget Guidance o Incentive & Contribution Calculations o Facilitate Vendor Proposal Process o Guidance and Education on Carrier Tools & Resources At our disposal we can track health improvement progress on a year-over-year basis by utilizing leading indicators collected from biometric screening events and health risk assessments. Leading indicators include comparative analysis on participation, identified risk factors, modifiable risks, and lifestyle behaviors. Organizational Culture & Employee Performance – HUB recognizes that every dimension of an employee’s 50 performance and productivity is interconnected, and we work with clients to broaden the focus from individual wellbeing to an organizational culture of health. Our approach is to identify the key success metrics that influence a person’s overall health and productivity, and then develop a comprehensive strategy for your workforce to thrive as it achieves each of these success metrics. Incentive & Compliance – We know that customized incentives are critical to creating engagement in a wellbeing initiative. Our job is to help you create the right blend of motivators based on our knowledge of your workplace culture and workforce demographics. During this process, our Health & Performance consultants work closely with our HUB compliance attorneys to ensure the final incentive design complies with all state and federal regulations. Resources & Programs - During this action phase, HUB will work with you to identify and assist in the deployment of the most effective resources and/or programs to carry out your strategy. Annual Review & Evaluation - During our strategic planning review process, we’ll evaluate progress toward performance targets and verify that the go-forward strategy aligns with organizational, human capital and benefit design goals. We’ll then make ongoing adjustments to ensure continued success. We develop strategies and implement programs that complement our clients’ goals and create environments where positive mental and physical health can thrive. HUB has successfully created a paradigm shift in corporate culture for our clients from managing disease to supporting holistic wellbeing led by a strategic framework. Our Health & Performance Team has designed a myriad of resources that can be utilized by our clients at no cost and based on your over-arching wellness initiatives and appetite. The results: increased productivity, increased morale and retention, and a measurable value on investment including reductions in health insurance trend. 7. Indicate your firm’s ability to meet frequently (at minimum 8-10 times annually) with County of Fresno staff – either face-to-face or virtually at the County’s discretion – to discuss industry, regulatory and service issues. Your principal consultant and other team members will be available to meet as outlined in the question. As HUB currently provides health benefit consulting services to many large, Central Valley employers (public and private), we are able to provide regular and consistent on-site visits with the County as described above. In addition, as mentioned above, Lee Exton has worked with the County of Fresno as a consultant previously and understands the importance of monthly meetings. We have become experts at leading meetings in today’s virtual environment and will be available for in person meetings when the situation permits. 8. How many days of advance notice would your company require in order to attend ad-hoc meetings? Do you have any limitations with attending face to face meetings? This will vary based on individual schedules and staff commitments. Under most circumstances, members of your HUB management team can be available with three-days’ notice. When necessary, we will do our best to be there as soon as possible. 9. What is your firm's policy/standard for returning phone calls and providing responses to emails or written questions? We make every effort to return calls as soon as possible, within minutes is ideal. The longest it should ever take our consultants to get back to you is 24 hours. HUB International is dedicated to maintaining and upholding the highest standards of ethical conduct and integrity in all of our dealings with you, our client. We want to be your trusted risk advisor, and as such, we need to earn your confidence. So, we are making a promise. We call it The HUB Advantage. Our mission is to make the advantage yours – and this is our commitment. We take our responsibility to our customers very seriously. As part of this commitment, we pay attention to the day-to-day details, always available and you 51 stay informed. If at any time you feel that we are not fulfilling your expectations – that we are not meeting our Client Commitment – please contact your account executive or call our toll-free client hotline at 1-866-857- 4073, and your concerns will be addressed as soon as possible. 10. Describe your firm’s experience with labor contract negotiations, as well as with a joint labor/management task force or committee. Lee Exton has extensive experience working with labor contract negotiations of other organizations. In fact, when he worked on the County of Fresno account, he encouraged open communication and education with the labor groups (such as SEIU). Helping labor groups understand existing challenges faced by healthcare and other benefit programs can lead to a stronger working relationship between management and he unions. The team assigned to the County has extensive experience in supporting public agencies’ labor negotiations and labor/management benefit committees. As a specific example, with the County of Kern we collaborated with labor representatives to develop alternatives to the benefit plan structure to provide more affordable options while maintaining the financial viability of the plan. Additionally, with the assistance of a clinical pharmacist, the labor representatives supported changes to the County’s prescription drug formulary that resulted in plan savings of approximately $1,000,000. For the County of Stanislaus, we were instrumental in ongoing engagement with County labor groups in the transition from an insured program to a self-funded plan. These changes are outlined in detail in the attached case study. In all cases, we have provided actuarial and underwriting support and legal guidance to both labor and management regarding plan changes under negotiation. 11. Describe your firm’s experience and expertise with the Patient Protection and Affordable Care Act (ACA). How have you provided assistance to your clients in monitoring compliance with the ACA? When at a prior firm, Lee was appointed by senior management to develop the ACA pricing tool that came to be used across the organization. Lee has a strong programming background and understands the many intricacies of the ACA requirements. He has also developed compliance calendars and tools for his clients to keep them abreast of the many requirements and emerging legislation. Regulations like the Affordable Care Act have an outsize impact on organizations. HUB’s account teams are keenly aware of the risks of not being compliant and provide education around remaining fully compliant with current benefit laws. Beginning in the Strategic Planning phase, our Compliance Team will engage in a review to identify potential gaps in your current plan compliance as well as compliance issues that are important to you. Our compliance team is experienced with the implications of the Affordable Care Act and regularly consults with employers on these matters including employee classification under the ACA; measurement, administrative and stability periods; offers of coverage; changes in employee status; and ACA reporting. We recognize that every employer has a unique population and thus faces unique issues related to ACA compliance. Our goal is to help formulate a tailored solution that is the best fit for your population and needs of your business. HUB’s Compliance Team also provides blog posts, webinars, and to-your-inbox bulletins that address any ACA legislation changes. When it comes to Health Plan Compliance and Regulatory Expertise, included on your core account team is HUB’s Chief Compliance Officer, Pacific Region, Liliana Salazar, JD. Liliana has more than 20 years of experience in addressing the compliance and regulatory needs of employers as well as their group health plans. She has counseled our clients on the benefits and challenges that the ACA and other benefits compliance presents. 52 She has actively worked with carriers and clients in ensuring their compliance with the HIPAA Privacy, Security, and HITECH Act rules, GASB 45 obligations, and the Patient Protection and Affordable Care Act (PPACA or ACA). She is also a regular speaker at national and state conferences. Liliana is available to consult directly with County of Fresno to address a variety of compliance needs. Her services include: o ACA Consulting o ERISA Consulting o HIPAA Consulting o FMLA Consulting o Compliance Audits o Best-in-Class Briefs and Tools o Annual Legal Update Workshop Additionally, because HUB places a heavy focus on compliance, with a team of 10 in-house ERISA and compliance attorneys, we will guide County of Fresno in all compliance related matters. A Note on HIPAA As it relates to the Broker responsibilities, HUB International is steadfast with respect to HIPAA compliance including a safe, secure physical environment for client files, commitment to a “clean desk policy,” and locking file cabinets for storing physical documents. All electronic communication and documents are sent securely. Files are audited on a regular basis to assure our procedures are followed appropriately. All staff members receive annual HIPAA training, and each HUB office has an appointed HIPAA Compliance Officer on site. We also require each of our clients to enter into a Business Associates Agreement at the beginning of our relationship to ensure that we are properly afforded authority to handle personal health information (PHI) on behalf of their health plans and members. The stipulations in this agreement hold our firm to the utmost liability to ensure that all PHI is guarded and that HIPAA regulations are followed. In the event of a breach, this document protects your team against any potential liability. 12. Detail your ability to monitor regulatory and legislative developments at both the state and federal level as well as how your firm alerts clients of changes and assists in compliance. Describe or provide examples of these communications. HUB clients are regularly updated on legislative and regulatory developments through a robust offering of in person seminars, webinars and written communications. HUB services teams and our Regional Chief Compliance Officer are available to discuss compliance concerns as they relate to your internal processes and procedures as well as how impending changes could impact your organization. Our Regional Chief Compliance Officer is available via email or phone to consult on compliance matters. Below please find links to recent written communications that have been included in our monthly In Compliance newsletter. https://www.hubinternational.com/products/employee-benefits/compliance- bulletins/2020/03/coronavirus-testing-coverage/ https://www.hubinternational.com/products/employee-benefits/compliance-bulletins/2020/03/texas-v- california-challenging-aca/ https://www.hubinternational.com/products/employee-benefits/compliance- bulletins/2020/04/medicare-part-d-creditable-coverage-2021/ HUB will conduct a compliance audit with your team and advise you on updates, changes and where there may be gaps in plan or communication compliance. On a regular basis, we provide timely, accurate updates on a wide range of legislative and regulatory issues so you can respond quickly to new developments. Your 53 Benefit Consultant will meet with your HR team face-to-face to review legislation that affects your health plan. As a HUB client, you will be kept well-informed on state, regional and national trends in benefit plan design and administration. 13.Describe your firm’s legal research capabilities and ability to provide legal opinions. Does your firm have access to a benefits attorney who could render opinions to the County? HUB International is not licensed to practice law. We are, however, able to provide guidance based on our reading of rules and regulations. In the large majority of cases, engaging outside legal counsel is not necessary. From time-to-time, we obtain opinions from outside legal counsel. They would bill the County directly for such services. We have access to legal counsel outside of our firm to which we could refer the County. Additionally, HUB’s internal compliance team is headed by experienced, in-house ERISA attorneys, and provides you with education around establishing a compliant platform as well as maintaining the good standing of your employee benefit programs. Your HUB Chief Compliance Officer will be assigned to work with County of Fresno, and the following services will be available to you: o One-on-one consultation o Seminars and webinars o Proprietary HUB Compliance Navigator tool provides you a comprehensive reference guide with annual timelines tailored to your specific plan o Online COVID-19 Resource Center which includes a library of guidance on COVID-19 available 24/7. Get access to the latest updates and information whenever you need o Timely, accurate updates on a wide range of legislative and regulatory issues including but not limited to PPACA, ERISA, COBRA, HIPAA, FLMA, CFRA, ADA, Medicare, and IRS rules. As a client, you will be automatically subscribed to our email o External compliance resources to supplement state compliance issues o Legal review (and update if necessary) of legally mandated plan documents and materials o Compliance audit of Regulations imposed by DOL, ERISA, HHS, IRS, among others o Review of employee manual to ensure all policies and procedures are in compliance o Review contracts, employee policies, administration and communications of compliance practices o A review of plan operations to ensure compliance with plan documents and applicable employee benefits regulations such as Section 125 and ERISA 14.Tell us how you monitor and report on provider performance. Provide a sample of provider performance reports your firm has completed for current clients. This question could be answered in a couple of ways. The first, the utilization of services the provider is offering. We summarize utilization and claim reports so that the information is easy to understand and provides guidance for future decision-making. The second is through performance guarantees. In addition to utilization reporting, we believe it’s important to maintain performance guarantees with each of the vendors. Under the performance guarantee – is to hold an annual vendor performance summit. This could be conducted virtually. During this discussion, key objectives regarding the performance of customer service will be highlighted, and expectations made very clear to all participants. On a quarterly basis, we review each vendor’s performance against mutually agreed upon measurements. Falling short of established targets ideally results in a performance guarantee payment back to you, the plan sponsor. (Please see our Reporting 54 sample(s) in the Appendix.) Throughout the year, our team keeps a close watch on your claims data, ensuring that your leadership and human resources teams are consistently informed on the current utilization of your employees. During our monthly touchpoint meetings and at our strategic planning meeting, we review with your team potential opportunities for employee education and improvement on overall utilization including midyear telehealth promotional materials, wellness campaigns, reminders about urgent care centers and generic alternatives, etc. We provide client-tailored reporting packages on a monthly basis that would include the following: o High level cost illustration of claims paid versus premium paid o Monitoring of HUB’s recommended accrual/funding rates for self-insured plans o Cost utilization by service type; identifying areas of potential exposure and providing recommendations to address potential over-utilization o Pharmacy utilization analysis o Provider discount analysis – actual vs. promised Additionally, we will assist you with employee claim interpretations and adjudication of specific claims when requested, including contacting the carrier and utilizing our leverage to escalate service issues regarding out- of-network providers and maximizing discounts through active involvement in large claims. Our account management team will provide you the following support: o Serve as a liaison between the client and all insurance companies/vendors o Monitor administrative process and assist in the smooth resolution of elevated issues o Act as an employee/employer advocate in the resolution of ongoing claims issues o Monitor vendor goals and performance and report findings at quarterly meetings o Review plan performance as directed o Review and provide guidance on diagnostic data o Identify and monitor potential catastrophic claims and review large claims management activity o Support with ongoing management of COBRA, FSA and HSA administration We not only act in a support function, but we proactively reach out to you regularly to ensure that vendors are meeting your needs. HUB will manage and measure each vendor’s performance against baseline outcomes and normative-adjusted data. For example, we will measure operational results, clinical outcomes, financial controls, claims, member services, and quality of services, among other key areas. Some of the measures will come from external sources; however, most can be obtained from your claims data, if available. As part of this process, HUB will perform the following: o Manage vendor relationships in a manner that promotes a spirit of collaboration and partnership o Advise and communicate with you on vendor issues o Negotiate performance guarantees, fees at risk, and performance measurements o Conduct site visits with vendor finalists, where appropriate o Provide project management oversight in the implementation of any new programs, systems, vendors, and processes o Communicate with appropriate parties to ensure that all involved entities are kept fully informed. 15. Discuss your firm’s experience conducting RFP/RFQ processes for health, voluntary/ancillary insurance (life, disability and other benefits, such as critical illness insurance) carriers, as well as 55 employee assistance program (“EAP”) and flexible spending account (“FSA”) administrators. Please provide a sample RFP/RFQ for each benefit type. In the table below, state how many RFP projects for these providers/services your firm completed in 2018, 2019, and 2020. Given the size of HUB International, our total number of RFPs and RFQs performed are in the tens of thousands, so the below table is an estimate of company-wide RFP/RFQ activity. RFP/RFP Type 2018 2019 2020 Health Insurance 25,000+ 25,000+ 25,000+ Voluntary/Ancillary 5,000+ 5,000+ 5,000+ EAP Provider 5,000+ 5,000+ 5,000+ FSA Administrator 5,000+ 5,000+ 5,000+ We send out 300+ RFPs for Voluntary Benefits for clients/prospects in the state of California every year. We are carrier agnostic and tailor our requests to vendors that would provide a) the client with a smooth implementation process, are compatible with existing technology and leverage discounting where applicable, and b) provide the member with the most competitive plans considering benefits, pricing, and tools/resources to simplify the claims process. A sample of our vendor RFQ/RFP template used in these cases is included in the Appendix. HUB will assist you in leveraging voluntary benefits to enhance employee wellbeing and meet your benefits objectives with offerings that support the full spectrum of an employee’s financial, physical and mental needs. Your Account Team includes Heather Garbers, a Certified Voluntary Benefit Specialist (CVBS) and an Executive Member of the National Advisory Board for the Voluntary Benefits Association. Her carrier agnostic strategy allows us to truly partner clients with the best fit for their and their employees’ needs. 16. Does your firm have a conflict-of-interest policy? If so, please provide a copy. Also, please describe any conflicts that have arisen within the firm and how they were resolved. Accident Critical Illness Cancer Hospital Indemnity Disability Life Insurance Identity Theft Legal Coverage Long-Term Care Paycheck Advances Pet Insurance Student Loan Programs Telemedicine Workplace Banking & Loans Discounts/ Perks 56 As stated in Section IV, the following is our HUB Conflict of Interest Statement, as HUB International’s Code of Ethics includes this statement regarding Conflicts of Interest. Required Business Conduct of Directors, Officers and Employees Conflicts of Interest. Each director, officer and employee must not engage in any activity that could create a conflict of interest, or the appearance of one, between such director, officer or employee and HUB. A conflict of interest occurs when an individual’s private interests interfere in any way, or even appear to interfere, with the interest of HUB. A conflict of interest can arise when a director, officer or employee takes action or has an interest that may make it difficult to perform his or her work objectively and effectively. Conflicts of interest also arise when a director, officer, employee or family member is in a position to receive improper personal benefits as a result of his or her relationship with HUB. Each director, officer and employee are expected to avoid any outside activity, financial interest or relationship that may present a possible conflict of interest or the appearance of a conflict. Each director, officer and employee are required to disclose any conflict of interest. These disclosures should be made to such officer’s, or employee’s, manager or the Legal Department and, in the case of a director, to the Legal Department. While it is not feasible to specify all the activities that may give rise to a conflict of interest, or the appearance of one, the follow are some rules regarding specific areas where such conflict might occur. These rules are not exhaustive and do not limit the generality of the conflict- of-interest policy. 17. If your firm proposes to offset its fees through commissions on voluntary insurance products, discuss how your method of compensation will be transparent and reported to the County. How frequently will your firm report its commission-based revenue to the County? HUB International is happy to report any commissions to the County in any way satisfactory to the County. We recommend that we report that information from all lines of coverage on a quarterly basis. We have provided approaches for your Fee Options 1 and 2 which provide transparency regarding commission received. 18. By submitting a response, you agree to all of the County specifications in this RFP. HUB International fully agrees with all of the County specifications in this RFP. 57 XII. COST PROPOSAL The County of Fresno is seeking Cost Proposals under Option 1 and Option 2 below. While the County prefers Option 1 since it provides maximum transparency and minimizes conflicts of interest, the County will consider Cost Proposals under Option 2. Under both options, the County is requesting the prospective bidder to outline performance guarantees and the penalties associated with failure to meet such guarantees. HUB is agreeable to using Option 1 or Option 2. Please note that in Section G, we provide our analysis-based estimate for how the Voluntary products commissions may currently be paid. Option 1 – Annual Consulting Fees where Commissions from both Ancillary and Voluntary Insurance Products are credited to the County. Under this Option, any/all commissions on all benefits offered to County employees – whether employer- or employee-paid – will be credited back to the County in order to offset consulting fees. A.Provide the annual flat fee retainer to provide consultant services to the County as described in the Scope of Work. This flat fee is outlined in the table in B, below. B.In the table below, provide the annual flat fee to provide the services described in the Scope of Work, for each year of the contract, based on a three (3) year contract term with two one (1) year renewals. Contract Year: 1 2 3 4 5 Annual Fee: $125,000 $128,000 $131,000 $134,000 $137,000 C.If there is an additional fee to administer the RFP/RFQ processes for the County’s Flexible Spending Account Administrator and/or EAP Provider, pursuant to Section II.1 of Part B of the Scope of Work, please state that cost. The administration of the RFP/RFQ processes is included. There is no additional fee. D.Outline any and all performance guarantees and the monetary or other penalties associated with failure to meet such guarantees. In particular, failure to meet deadlines on projects, such as the bid solicitation process, are of significant concern to the County. We are willing to discuss establishing mutually agreed upon performance guarantees tied to those factors which are most important to the County. E.List all possible administrative charges that would not be included in the flat rate fee structure. It is our intent for the services that we provide to be as comprehensive as possible. If there are additional services outside of the scope of our proposal that could possibly incur an additional cost, we would discuss what that might be with you. In our experience, we rarely need to assess a charge above the fees that we charge. Our clients like to say it’s a one stop shopping experience. Option 2 – Annual Consulting Fees where Commissions from Voluntary Insurance Products are credited to the Consultant; commissions from Ancillary (Employer-paid) benefits are credited to the County. 58 Under this Option – •Commissions on employee-paid benefits placed by Consultant or for which Consultant is Broker of Record, are credited to Consultant; and •Commissions on County-paid benefits will be credited back to the County in order to offset consulting fees. •To provide for maximum transparency under this Option 2 – o All commissions received by the Consultant must be disclosed to the County; and o The County prefers a cap on the amount of annual compensation (County-paid fees + commissions) that the consultant may receive. A.Provide the annual flat fee retainer to provide consultant services to the County as described in the Scope of Work. B.In the table below, provide the annual flat fee to provide the services described in the Scope of Work, for each year of the contract, based on a three (3) year contract term with two one (1) year renewals. Contract Year: 1 2 3 4 5 Annual Fee: $125,000 Less any commissions received by HUB $128,000 Less any commissions received by HUB $131,000 Less any commissions received by HUB $134,000 Less any commissions received by HUB $137,000 Less any commissions received by HUB If the commissions we receive exceed our fees, we can refund the difference to the County, or you can use those fees to pay for additional vendor services. Sometimes fees like these are used to pay for compensation consulting from our Total Rewards Practice, enhanced Wellness Benefits, and even offering additional benefit coverage through the plan. C.If there is an additional fee to administer the RFP/RFQ processes for the County’s Flexible Spending Account Administrator and/or EAP Provider, pursuant to Part B, Section II.1 of the Scope of Work, please state that cost. The administration of the RFP/RFQ processes is included. There is no additional fee. D.Identify any and all potential commissions associated with the voluntary, employee-paid policies and describe how these commissions will offset your annual fee. For example, what percentage of fees will be offset by commissions? Any and all commissions associated with the voluntary and employee-paid policies will directly offset the annual fee on a dollar-for-dollar basis. It’s possible that commissions generated from these lines of coverage could offset 100% of the fees. E.Outline any and all performance guarantees and the monetary or other penalties associated with failure to meet such guarantees. In particular, failure to meet deadlines on projects, such as the bid solicitation process, are of significant concern to the County. We are willing to discuss establishing mutually agreed upon performance guarantees tied to those factors which are most important to the County. Including failure to meet deadlines on projects. For instance, we may be willing to put 10% of our fees at risk in a performance guarantee situation. F.List all possible administrative charges that would not be included in the flat rate fee structure. It is our intent for the services that we provide to be as comprehensive as possible. If there are additional services outside of the scope of our proposal that could possibly incur an additional cost, we would discuss 59 what that might be with you. In our experience, we rarely need to assess a charge above the fees that we charge. Our clients like to say it’s a one stop shopping experience. G.Current annual commissions from employee-paid insurance policies. Please note that there is not enough data on the Accident, Critical Illness, and Hospital Confinement insurance policies to provide. meaningful commission information. (a)Term Life (Voya/ReliaStar): Approximately $40,000 per year. (b)Personal Property Insurance (Liberty Mutual): Approximately $12,000 per year. H.Future commissions from the employee-paid insurance policies may be reassigned as follows: (a)Term Life (Voya/ReliaStar): 10% of premiums paid, calculated monthly (b)Accident (Voya/ReliaStar): 15% of premiums paid, calculated monthly (c)Critical Illness (Voya/ReliaStar): 15% of premiums paid, calculated monthly (d)Hospital Confinement (Voya/ReliaStar): 15% of premiums paid, calculated monthly (e)Personal Property Insurance (Liberty Mutual): i)New Business: 3% for payroll-deducted premiums and 2% for non-payroll-deducted premiums ii)Existing Business: 2% for payroll-deducted premiums and 1% for non-payroll-deducted premiums We used statistical information from various sources including the Employee Benefits Research Institute to estimate the commission dollars being paid for each of your Voluntary lines of coverage. Below is a table depicting our analysis results. 60 XIII.CHECK LIST This Checklist is provided to assist vendors in the preparation of their RFP response. Included are important requirements the bidder is responsible to submit with the RFP package in order to make the RFP compliant. Check off each of the following (if applicable): 1.X Signed cover page of Request for Proposal (RFP). 2.X Check http://www.FresnoCountyCA.gov/departments/internal-services/purchasing/bid- opportunities for any addenda. 3.X Signed cover page of each Addendum. 4.X Provide a Conflict-of-Interest Statement. 5.X Signed Trade Secret Form as provided with this RFP (Trade Secret Information, if provided, must be electronically submitted in a separate PDF file and marked as Confidential). 6.X Signed Criminal History Disclosure Form as provided with this RFP. 7.X Signed Participation Form as provided with this RFP. 8.X The completed Reference List as provided with this RFP. 9.X Complete 5-year Cost Proposal. 10.X Indicate all of bidder exceptions to the County’s requirements, conditions and specifications as stated within this RFP. Return Checklist with your RFP response Per II. A. Page 4 Business License & Certificates of Insurance Coverage California Department of Insurance HUB INTERNATIONAL INSURANCE SERVICES INC License # 0757776 OBA: AL.GENTIS l NtCE SERVICES OBA: AXEUA INSURANCE SER\IICES OBA: BYARS ntOt,PSON 8UCIWtAN "'SURAHCE & FIWOAL SERVICES OBA: CCI FflAHCIAL & INSURANCE SOWTIONS OBA: CX)l.TQf INSURANCE ASSOCIATES OBA: & ASSOCIATES INSURANCE AGENCY OBA: DER MANOUEL NSURANCE & FINANCW,. SERVICES‚ OBA: DI\/ERSFIED RISK INSURANCE BROKERS OBA: EMPI.OY'ERSRESO<,<lCE GRO<A' FtWICIAI.& OISURANCE SERVICES l OBA: FAS-EBA INSURANCE SERVICES C. _ \'-":OBA: FOSTER & PARKER INSllW4CE AGENCY OBA:G.P.BARICHNSU<AHCEAOOfCY J:1...- DBA: HEAL.TH CARE CONffflAJM NSURAHCE SERVICES - , OBA: tU3 M'ERHATOW. • KUolEINSURAHOE S8MCES O J OBA: NlANO SlA<ETY 90NOS & NSURANCE SERVICES ::! \ OBA: JOHN 0. BRONSON CO, INC. _, OBA: KUPEAMAN INSIJIW<CE SERVICES .. I ,, . OBA:LAWSON-HAWKSINSURAHCEAGENC)' , ' OBA: USSC ffll.lRA.NCE SERVICES OBA: MARRS MADOOCICS & ASSOCIATES INSl.lW«'.::E SERVICES 08A: MONTEREY INSURANCE AGENCIES OBA: PA TRION INSURANCE SERVICES, INC. OBA: PICl<Eff.,., ASSOCIATES INSUIW<CE AGENCV / OBA: RIVIERA NSURANCE SERI/IC‹, / OBA: SEEGat BENEFITS& INSURANCE SERVICES OBA: SIX411iREE HSURANCE SERVICES 08A: SNEET & SAXER 911S\RW4CE 8R()l(ERS. OBA: TEVIS NSURANCE SOLUT!ae OBA: WHORTOtt'KI.IPERMAN INSURANCE SERVICES OBA: AARON e,suRANCE SERVICES OBA: 81.Afi JARCIC NSURANCE AGENCY 08A:CALIFORNIACOASTAL NSURANCE OBA:CITYNSURANCE SERVICES OBA:COSTB.1.0 &SONS INSllRAICE BROKERS OBA: DAVIS & G-INS'-"ANCE SERI/IC‹, 08A: DESERT EMPIRE INSURANCE SERVICES OBA: El..KWlls-J0tES ICSURANCE AGENCY 08A: EOOITY RISK PARTMERS SERVICES OBA;FORT PONT INSURANCE SERVICES OBA: FRAMBERGER EMPl.oYEE BENEF1TS ANO INSUAANCE SERVICES 08A:GNW-EVERGREEN INS\R6.HCE SERVICES OBA: HMBD INSlRANCE SERVICES DBA:tfUB INTEAHATtONAL sountwEST INSURANCE AGEHCY OBA: INTERCAAE INSll!ANCE SOWT10NS OBA: JOHNSON & Vli'OOO NSURANCE SERVICES 08A:t.AU8ACtER lfSlRANOE NlEICYIC OBA: LAWSON'KA""'5 flSUIWICEASSOCIATES OBA: l.&ARK D FREDRIOCSEN INSURANCE SERVICES 08A:MOAFIN,t,,NCW. NSURANCESEfMCES 08A;•MORENOVIUEY lrtS\IRAHCE. DBA:PETERSON, 1.&11.ANEY NSIJFWfCE TES. INC. 08A:RAIHl'REE NSURAHCE-A 08A: SANJER A. KESSLER & ASSOCIATES NC. OBA: SIX.ES DUNCAN & ASSOC TES IG.IRANCE SERVICES, I«:. OBA: SPECTllA MANAGEMENT INSURANCE saMCES 08A: TECIS IIISl.lW'CES SERVICES DBA:VICENC & BUCKLEY INSURANCE SERVICES _..A'ursuanl to the requirements of the State of California Insurance Code. RNATIONAL INSURANCE SERVICES INC. is authorized to act in the following capacil Rica, �'J>.�/clliil! \ffi!'IW,lltfi<A\ll!Rissioner Effective Date 01/0311989 01/0311989 This coverage applies to all U.S. operations of Hub International Limited. 11/15/2020 11/15/2021 Ironshore Indemnity, Inc.23647 PEO901139-01 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED? (Mandatory in NH) DESCRIPTION OF OPERATIONS belowIf yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCE DAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIREDAUTOS ONLY 2/25/2021 Hub International Northeast Limited -NY1065 Avenue of the Americas/5 Bryant ParkNew York NY 10018 212-338-2000 212-338-2100 Zurich American Insurance Company 16535 021071 Fireman's Fund Insurance Company 21873Hub International Limitedc/o Hub International N.E. Limited1065 Avenue of the AmericasNew York NY 10018 1355048266 A X 1,000,000 X 1,000,000 10,000 1,000,000 2,000,000 X GLO5472010-08 6/1/2020 6/1/2021 2,000,000 Host Liquor Liab.1,000,000 A 1,000,000 X X X BAP5472012-08 6/1/2020 6/1/2021 B X X 25,000,000USL00670220U6/1/2020 6/1/2021 25,000,000 X 10,000 FOR EVIDENCE PURPOSES ONLY For Evidence SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED? (Mandatory in NH) DESCRIPTION OF OPERATIONS belowIf yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCE DAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIREDAUTOS ONLY 11/18/2020 HUB International Midwest Limited55 East Jackson BoulevardChicago IL 60604 312-922-5000 866-748-9821 CSUChicago@hubinternational.com Indian Harbor Insurance Company 36940 HUBINTE-20 Hub International Limited300 N. LaSalle St17th FloorChicago IL 60654 1624772175 A Cyber Liability-Primary MTP9034206 04 11/15/2020 11/15/2021 $10,000,000 $100,000 Retention Coverage: Excess Cyber LiabilityInsurer: Liberty Surplus InsuranceNAIC: 10725Policy No: EO5CHABWDUH002Policy Term: 11/15/20 to 11/15/21Limit: $10,000,000 excess of $10,000,000 Coverage: Excess Cyber LiabilitySee Attached... Evidence of Insurance ACORD 101 (2008/01) The ACORD name and logo are registered marks of ACORD © 2008 ACORD CORPORATION. All rights reserved. THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER:FORM TITLE: ADDITIONAL REMARKS ADDITIONAL REMARKS SCHEDULE Page of AGENCY CUSTOMER ID: LOC #: AGENCY CARRIER NAIC CODE POLICY NUMBER NAMED INSURED EFFECTIVE DATE: HUBINTE-20 1 1 HUB International Midwest Limited Hub International Limited300 N. LaSalle St17th FloorChicago IL 60654 25 CERTIFICATE OF LIABILITY INSURANCE Insurer: Endurance AmericanNAIC: 10641Policy No. PRX10010198404Policy Term: 11/15/20 to 11/15/21Limit: $10,000,000 excess $20,000,000 Coverage: Excess Cyber LiabilityInsurer: Berkley Assurance Co.NAIC: 39462Policy No. BCRS2-2000119-01Policy Term: 11/15/20 to 11/15/21Limit: $10,000,000 excess $30,000,000 Coverage: Excess Cyber LiabilityInsurer: Scottsdale Insurance CompanyNAIC: 41297Policy No. XMS2001452Policy Term: 11/15/20 to 11/15/21Limit: $10,000,000 excess $40,000,000 Annual Renewal Project Timeline Detail Per X. Vendor Company Data, A., Page 19 Page 1 of 2 Client:Fresno County Current Date:3/22/21 Employee Benefits - Proposed Project Timeline Start Date Target End Date Completion Date Responsibility - FRESNO / HUB 1 Planning Phase q Submit Proposal 3/23/21 3/23/21 HUB q Notification that HUB is selected as finalist April April FRESNO q Proposal Final Presentation April April HUB/FRESNO q Notification that HUB is selected June July HUB q Introduce Team Members April April HUB/FRESNO q Release Broker of Record Letter to all Parties July July HUB q Share Organization Contacts April July HUB/FRESNO q Furnish List of all Coverage Lines & Vendors March March FRESNO q Determine Strategic Objectives April June HUB/FRESNO q Benefit Administration Platform - Implementation Timeline April June FRESNO q Annual Meeting Schedule April July HUB/FRESNO q Finalize Plan Timetable June July HUB/FRESNO 2 Information Gathering q Review Historical Information March June HUB q Request Missing Information June June HUB q - Historical claims data June June HUB q - Summary Plan Descriptions June June HUB q - Master Plan Document and Amendments June June HUB q - Rate, benefit and financial history June June HUB q Census Data: Employees & Retirees June July HUB q Request Updated Claims, Contracts, Rates From Carriers June July HUB 3 Discuss Potential Plan Design Changes q Conduct Claims & Utilization Analysis June June HUB q Evaluate Analysis Findings June July HUB q Evaluate Current Plan Design Offerings June July HUB q Discuss Potential Changes June July HUB/FRESNO q - Pharmacy Benefit Administration June July HUB/FRESNO q - Centers of Excellence June July HUB/FRESNO q - Examine Cost-Cutting Measures June July HUB/FRESNO q - Discuss Employee & Employer Contributions June July HUB/FRESNO q - Voluntary Benefits June July HUB/FRESNO q - Wellness June July HUB/FRESNO q Final Decision on Plan Designs August August FRESNO q Update Relevant Plan Documents August September HUB 4 Develop Vendor Bid Specifications q Inventory Current Services Provided March June HUB q Review Contractual Obligations of Current Vendors March June HUB q Discuss Desired Vendor Services and Create List March June HUB q - Life/AD&D March June HUB q - Disability March June HUB q - Medical March June HUB q - Dental March June HUB q - Vision March June HUB q - Prescription Drug March June HUB q - Critical Illness, Hospital & Accident March June HUB q Prepare final specifications & Select Vendors June July HUB 5 Request for Proposal (RFP) q Send RFP 7/5/21 7/5/21 HUB q Healthcare Organizations as Alternative to SJVIA July July HUB q Retiree Benefits: Anthem HDHP, United American, Kaiser High & Low July July HUB q Employer & Employee Paid Life July July HUB q Employee Assistance Program July July HUB Page 2 of 2 Client:Fresno County Current Date:3/22/21 Employee Benefits - Proposed Project Timeline Start Date Target End Date Completion Date Responsibility - FRESNO / HUB q Request SJVIA Renewal July July HUB q Wellness Plan Components July July HUB q Answer Vendor Questions 7/12/21 7/12/21 HUB q Receive Proposals 7/26/21 7/26/21 VENDORS 6 Vendor Selection q Conduct Review of SJVIA Renewal: Rates & Plan Design July/August July/August HUB q Request Updated Firm Proposals 8/5/21 8/12/21 HUB q Conduct Reference Checks 8/12/21 8/12/21 HUB q Evaluate Final Proposals 8/12/21 8/19/21 HUB q Develop Report & Recommendations Regarding Finalists 8/19/21 8/21/21 HUB q Conduct Rate Negotiations August August HUB q Review contracts of finalists August August HUB q Negotiate Contractual Provisions / Performance Guarantees August August HUB q Select Successful Bidders 8/26/21 8/26/21 FRESNO 7 Open Enrollment q Evaluate Past Open Enrollments; Identify Areas to Improve July August HUB/FRESNO q Discuss Ideas to Improve Enrollment Process: Both HR & Employees July August HUB/FRESNO q Develop Enrollment Plan and Timeline July August HUB/FRESNO q Plan Employee Communications July August HUB/FRESNO q - Benefits meeting(s)July August HUB/FRESNO q - Communication Strategies for Employees Prior To and During OE July August HUB/FRESNO q - Provide Plan Documents and Benefits Summaries to Employees July August HUB/FRESNO q Conduct Open Enrollment (2 Weeks)10/18/21 10/18/21 FRESNO 8 Employee Communications q Review Prior/Current Communications March July HUB q Discuss Where Communication is Lacking April July HUB/FRESNO q If Necessary Develop New Communication Plan - To Include:July August HUB q - Health and wellness materials July August HUB q - Benefits education July August HUB q - Health care consumerism education July August HUB q Review Communications July August FRESNO q Sign Off on Communications July August FRESNO 9 Compliance q Discuss Any Hurdles or Concerns With Compliance July August HUB/FRESNO q - Employee Benefits Regulations and Laws July August HUB/FRESNO q - Employment Laws July August HUB/FRESNO q - Health Care Reform July August HUB/FRESNO q - Retirement Benefits July August HUB/FRESNO q - Wellness Plan July August HUB/FRESNO q - State-Specific Compliance July August HUB/FRESNO q Create a plan for addressing these compliance challenges July August HUB 10 Reporting q Discuss Reporting Needs April July HUB/FRESNO q - Changes / Enhancements April July HUB/FRESNO q - Timing April July HUB/FRESNO 11 Wellness q Coordinate Wellness Challenges Year Round Year Round HUB/FRESNO q Advocate for sufficient funding through SJVIA July August HUB/FRESNO q Liaison for wellness services: mammograms and biometric screenings Year Round Year Round HUB/FRESNO 12 Plan Year q Plan Year Begins 12/13/21 12/13/21 FRESNO q ID Card Distribution 12/1/21 12/1/21 VENDORS q Verification of programs being effective 12/1/21 12/1/21 HUB q Review Process and Suggest Improvements 1/15/22 1/15/22 HUB/FRESNO q HUB Performance Review Quarterly Quarterly HUB/FRESNO Account Team Bios Per X. Vendor Company Data, C. Page 22 Shannon Taylor President, Pacific Region | Employee Benefits Shannon Taylor is HUB International’s Pacific Region President of Employee Benefits. With over 30 years of experience in employee benefits, Shannon oversees strategic planning, organizational design and resource allocation for HUB’s Pacific region employee benefits team. He brings to this role a strong background in leadership, employee benefits strategy and a track record of delivering exceptional sales and client results. Shannon is a member of Hub International’s Executive Committee (ECM). Prior to joining HUB International, Shannon served as Vice President of Sales at UnitedHealthcare where he led the company’s Southern California sales team. Prior to UnitedHealthcare, he held sales positions with Cigna Healthcare and Metropolitan Life Insurance Company. hubinternational.com Education Northwestern University, J.L. Kellogg Graduate School of Management MBA, Strategy & Organization, Leadership University of Illinois BS, Business Marketing 9855 Scranton Road San Diego,CA 92121 Direct –(858) 373-6911 Mobile –(714) 519-4971 Shannon.Taylor@hubinternational.com Click on icon to insert pic. Michael Der Manouel, Jr. President, HUB Central California Michael Der Manouel, Jr. leads the Central California Region of HUB International. In addition to managing a large book of business, Mike specializes in Property and Casualty and Workers’ Compensation Insurance. Mike is a 1985 graduate of California State University, Fresno with a degree in Business Administration, Accounting. He obtained his CPA designation in the State of Indiana in 1991. Mike is passionate about the company’s purpose -to mobilize HUB’s resources to help each and every client become the best in their respective industries. Mike is very active and visible in the Fresno County area and is involved with numerous Boards and Charities. He resides in Fresno with his wife, Melissa. The Der Manouel's have two children; Grant, a 2019 graduate of Columbia University who currently resides in New York City, and Evie, a rising junior at the University of Southern California, class of 2023. hubinternational.com Certifications/Licenses Property and Casualty Insurance License #0A92543 Education BA, Business Administration, Accounting 548 W. Cromwell Ave., Suite 101 Fresno, CA 93711 Direct –(559) 375 –3712 Mobile –(559) 906 -4374 Mike.Dermanouel@hubinternational.com Click on icon to insert pic. Lee Exton, CEBS Senior Vice President | Employee Benefits Lee Exton is a Senior Vice President, Employee Benefits, and a proven thought leader at HUB International. His clients include those in the technology, financial, healthcare, retail, and automotive space. Lee helps organizations look at their employee benefit offerings from a Total Rewards perspective, evaluating employee value against delivery cost. He developed one of the first consumer-driven health plans in the country and an early high deductible plan that’s served as a model for other companies. His funding approaches include the design of fully insured as well as self- funded programs. His self-funded benefit design methods are leading edge, often including specialized vendors to address specific population needs, or strongly incentivized wellness components. Ultimately, clients benefit from Lee’s focus on making best practice, data driven recommendations. Exercising a true consultative partner attitude, he’s helped organizations find exceptional HR talent and assisted in potential acquisitions, providing due diligence reports. Lee is also a sought-after presenter/educator in Benefits, having served as an instructor for the International Foundation of Employee Benefit plans, helping many students obtain CEBS certification. hubinternational.com Certifications/Licenses Certified Employee Benefits Specialist (CEBS) Education University of California, Irvine BS, Economics and Biology 4695 Mac Arthur Court Suite 600 Newport Beach, CA 92660 Mobile –(310) 709-0379 Lee.Exton@hubinternational.comLee.Exton@hubinternational.com Click on icon to insert pic. Ann Wilson, GBM Employee Benefits Practice Leader Ann Wilson leads the employee benefits practices for HUB’s Los Angeles and Orange County regions. She provides overall management and stewardship for the employee benefits team, as well as mentoring and leadership for the service personnel who work with HUB’s clients. With more than 16 years of experience in the insurance industry, Ann brings a broad depth of knowledge to her employee benefits consulting. Aside from her practice leader role, she is also a senior account executive for key accounts within the region, consulting on clients ranging from 1,000 to 8,000 employees with national and international presence. She is well-versed in self-funding and alternate funding programs. Before joining HUB, Ann worked at Benefits Resource (Digital Benefit Advisors), where she built and managed the COBRA and Leave of Absence outsourcing team for the organization. She transitioned into an account management role, where she led a consulting team for clients ranging from 50 to 2,000 employees. Prior to working in the insurance industry, Ann was a special projects manager for Lakeshore Learning Materials, in a role that supported the project management of major company initiatives as well as in negotiating key vendor agreements. hubinternational.com Certifications/Licenses Global Benefits Management (GBM) Certification, International Foundation of Employee Benefits Plans CA Life and Health License Education University of California, Irvine Bachelor of Arts, Political Science, Cum Laude 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 Direct –(949) 208-9593 Ann.Wilson@hubinternational.com Click on icon to insert pic. Nicole Floyd, CPA, SPHR Regional Vice President, Sales | Employee Benefits Nicole Floyd’s 20+ years of experience in insurance, financial management, human resources, sales and international business make her a highly effective employee benefits consultant. Prior to her tenure with HUB Northwest, she provided HR consulting and strategy advice to broker-of- record clients for a leading Washington State employee benefits brokerage. Nicole has also held executive roles at the corporate and association levels, including CFO of Digideal Corporation and Director of Finance & Administration for the Washington Society of CPAs. Her unique background that combines financial expertise and human resource experience and creativity enables her to identify with clients in a very unique way. She has a passion for strategy and employee engagement while keeping a focus on managing the financial aspect of health plans. As Regional Vice President of Employee Benefits for HUB Northwest, Nicole also has oversight for the region’s sales personnel, working with regional leadership. In addition, she leads the effort to vet and fully integrate the company’s service and technology solutions, providing direct consultation to key clients and prospects. Nicole is an active member of SHRM, the AICPA, and serves as the Chair of Numerica Credit Union’s Audit Committee. hubinternational.com Certifications/Licenses Certified Public Accountant (CPA) Senior Professional in Human Resources Management (SPHR) Certified Association Executive (CAE) Licensed Insurance Broker—Washington, Oregon, Alaska, California Education Michael G. Foster School of Business, University of Washington BA, Business Administration 12100 NE 195th Street, Ste 200 835 N Post St #203 Bothell, WA 98011 Spokane, WA 99201 Direct –(509) 462-7876 Mobile –(509) 998-8227 Nicole.Floyd@hubinternational.com Click on icon to insert pic. Peter Meilak, GBDS Account Executive As an Account Executive with more than 20 years of experience in group benefits, Peter leads the planning, development, and implementation of his clients’ employee benefits strategies. Working closely with clients at both the HR Manager/Director and the C-Suite level, he also partners with HUB’s Senior Vice Presidents to help his clients achieve their goals. Peter develops and maintains professional collaborative relationships with insurance carriers, business partners, and HUB colleagues as well as his clients. He advises clients of new offerings and solicits feedback on HUB’s performance. He quarterbacks each client’s account team on all projects and deliverables, and he prepares and conducts financial, technical, and product presentations and demonstrations for his clients. Peter’s deep industry knowledge and experience helps him guide clients to the decisions that benefit them the most. Prior to joining HUB, he held a senior benefit consulting position for 12 years at Crews MacQuarrie & Associates. There he worked with self-funded clients ranging in size from 1,000 to 125,000 lives and with annual Health and Welfare expenses up to $500 million. He’s also served as a Health and Welfare Benefits Consultant with Buck Consultants and has been a senior compensation analyst and retirement plan analyst. Peter is also proficient in extensive hardware, software and front office applications. hubinternational.com Certifications/Licenses CA Life and Health License Group Benefits Disability Specialist (GBDS) Designation Education California State University Bachelor of Arts in Financial Management 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 Direct –(949) 623-1022 Mobile –(714) 269-0989 Peter.Meilak@hubinternational.com Click on icon to insert pic. Wendy McKinney Senior Benefits Analyst Regional Analyst Practice Leader Wendy McKinney has been a Senior Benefit Analyst with HUB International for over four years. As a Senior Benefit Analyst, she leads the marketing and data analytics for her clients’ benefit plans, works with underwriting to develop premium equivalents and IBNR reports, prepares bid specifications, provides spreadsheet analysis of marketing results and provides training and development leadership for other analysts. Prior to HUB, Wendy worked at Dignity Health, a nonprofit hospital provider with 50,000 employees in California, Nevada and Arizona. As a Benefit Analyst, Wendy was in charge of data analytics, pricing for union and non- union plans, and all self-funded analysis. She has a strong knowledge of HIPAA and COBRA compliance rules and standards. Prior to that, Wendy worked at Hexcel in a Benefit Analyst role on the HR team. hubinternational.com Education University of California, Riverside MA, Art History BA, Rutgers University Office Street Address City, State Zip Code Direct –(949) 208-9592 Wendy.McKinney@hubinternational.com Click on icon to insert pic. Michelle Acosta Account Representative Michelle is part of the Newport Beach, California Employee Benefits Team. She is focused on assisting clients meet compliance requirements, develop effective plan documentation and vendor management. As an Account Representative, Michelle collaborates with senior account management to design and administer health and welfare programs for her clients. Michelle provides support for day-to-day client management administration, vendor management, benefit communication materials and compliance for her clients. In addition, Michelle shares responsibility for maintaining the internal online account management system, as well as facilitating new product and service implementation with her clients. Michelle brings to her position 4 years of experience in employee benefits. She partners with her clients in health care plan design, setup structure/analysis, vendor implementation and plan documentation compliance with her extensive systems knowledge. hubinternational.com Certifications/Licenses CA Life and Health License Education California State University, Fullerton Bachelor of Science in Kinesiology | Clinical Exercise Science California Polytechnic University, Pomona Physical Education Credential | Adapted Physical Education Specialist 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 Direct –(949) 623-3985 Mobile –(949) 431-3124 Michelle.Acosta@hubinternational.com Click on icon to insert pic. Liliana Salazar, Esq. Chief Compliance Officer, Pacific Region Employee Benefits As Chief Compliance Officer for the Pacific Region for HUB International Limited, Liliana is responsible for addressing public and private employers’ health and welfare responsibilities under federal and state laws and city ordinances. She works closely with HUB’s service teams and clients to develop short-and long-term strategies that will allow clients to remain in compliance while addressing clients’ financial and human capital needs. Liliana interacts with regulatory agencies such as the Department of Labor, the Internal Revenue Service, the U.S. Treasury Department, the Centers of Medicare and Medicaid Services, the Department of Health and Human Services, the Equal Employment Opportunity Commission and state insurance departments to discuss the applicability of laws and regulations to group health plans. Liliana possesses 22 years of experience in addressing the compliance and regulatory needs of employers and their group health plans. She actively worked with carriers and clients in ensuring their compliance with the HIPAA Privacy, Security, and HITECH Act rules, GASB 45 obligations, and more recently the Patient Protection and Affordable Care Act (PPACA or ACA). Prior to joining HUB, Liliana was National Practice Leader for the Employee Benefits Compliance Practice of Wells Fargo Insurance Services, and Vice President of Compliance for ABD Insurance Services. Liliana is a regular speaker at national and state conferences sponsored by private and public employers, employee benefit chapters and HR associations, including ISCEBS, SHRM, CALPELRA, PELRA, NAFOA and others and is also a regular contributor to national and regional employee benefit publications. Due to her contributions to employee benefits and the insurance industry in general, Liliana was the recipient of the 2013 Women to Watch Award from Business Insurance. Juris Doctor - Universidad de Los Andes, Colombia Member of the American Bar Association - Health Law and Joint Committee on Employee Benefits Member of the California Bar Association -Health Law Chapter Principal at the National Association of Health Underwriters (NAHU) Interests: Reading, hiking, travel and volunteer work hubinternational.com (310)568-5912 Liliana.salazar@hubinternational.com Mark Guajardo, ASA, FCA, MAAA Consulting Actuary | Director of Analytics Mark Guajardo is a consulting actuary who leads the Analytics group within the Texas Employee Benefits region. Mark is instrumental in driving thought leadership and content for key client engagements, with an emphasis on targeting bottom line impact of healthcare arrangements by wasteful spend. Mark has over 25 years of experience working in the defined benefit actuarial space, with expertise in accounting / funding valuations for retiree welfare plans under the Financial Account Standards Board (FASB), Governmental Accounting Standards Board (GASB), and International Accounting Standards Board (IASB). Prior to joining HUB International (IPS Advisors), Mark led efforts at Milliman and at Mercer within their respective Dallas offices to manage internal and external relationships in the retiree welfare benefit plan arena. hubinternational.com Certifications/Licenses Life & Health License Associate, Society of Actuaries Education University of Texas, Austin BS, Mathematics Direct –(214) 443-2487 Mobile –(972) 979-9332 Mark.Guajardo@hubinternational.com Click on icon to insert pic. Dan Openshaw Director of Analytics | Employee Benefits Pacific Region Dan Openshaw currently serves as HUB’s Pacific Region Director of Analytics. He leads a team of financial consultants responsible for the development and analysis of multi-year client strategies. He has a passion for the details and is integral in the development of many proprietary models. He continues to develop tools for our Analytics, Underwriting, Compliance, Voluntary, and Health and Performance teams as well as continuing enhancement of our core employee benefits offerings from financial and analytical perspectives on a regional and national basis. Prior joining HUB, he began his Employee Benefits consulting career with Towers Perrin in Connecticut and then transferred his family to sunny Southern California. He continued his consulting career with Towers as a Health & Welfare Consultant working with employers across the West region playing a key role in the analysis and implementation of new strategies such as, consumer driven approach, care management, and wellness initiatives. Years later he made the strategic move to California-based Intercare Insurance Solutions as Vice President. Dan's self-funded experience is robust managing multi-site self-funded companies ranging in size from 500 to 45,000 employees. He has been integral in the analysis of funding options, recommending fully insured to self-funding where appropriate, evaluating self-funded plan designs, unique network options, and implementing creative designs to meet client goals. hubinternational.com Certifications/Licenses CA Life and Health License Education Brigham Young University BA, European Studies & International Relations 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 Direct –(949) 208-9590 Dan.Openshaw@hubinternational.com Click on icon to insert pic. Barbara Hawes, R.Ph., MBA National Pharmacy Practice Leader Barbara is the National Pharmacy Practice Leader for HUB International.She is an accomplished industry leader with over 25 years of experience in the Pharmaceutical /Employee Benefit Consulting business.During her tenure,she has held a variety of senior management roles with Pharmacy Benefit Managers and nationally recognized consulting firms.In addition to business acumen,Barbara has deep technical and clinical expertise related to prescription drug impact on health,wellness and program cost and clear understanding of the complex prescription drug delivery system. At HUB,Barbara directs all aspects of pharmacy benefit management consulting activities including developing and managing key strategic relationships,tools and services to delivering value added solutions directly to clients. Barbara earned her BS in Pharmacy from Purdue University and her MBA at DePaul University. hubinternational.com 713-300-0864 barbara.hawes@hubinternational.com Daniel W. Fisher, CPA, CGMA Senior Vice President, Strategic Accounts Dan Fisher provides large employer groups with consultative benefits and cost management strategies, backed by more than 20 years of experience in the employee benefits field, financial and cost analysis expertise, pension and self-funded healthcare plans for employers, and TPA operational knowledge. Dan was the founder of EmSpring (acquired in 2015 by HUB International) and its predecessor, FCG Benefits, both intensely focused on the needs of larger, self-funded health plan sponsors, not -for-profits, local government and healthcare organizations. As CEO at EmSpring, he provided cost effective solutions to clients small and large, for-profit and not-for-profit, private and governmental, with self-funded and fully insured benefit plans. A past president of the Washington Society of CPAs, Fisher is a frequent presenter at association meetings, and heavily involved in Financial Literacy programs with Junior Achievement of Washington and the AICPA. Topics of Expertise •Health Care Reform •Benefits Strategies •Self Funding (Self Insured Plans) •Employee Benefits & Compensation •Regulatory Compliance hubinternational.com Certifications/Licenses Life & Health Licenses in WA, OR, ID Certified Public Accountant -Inactive Chartered Global Management Accountant Education University of Washington, Business Administration, Economics, Literature 835 N Post St., Ste 203 Spokane,WA 99201 Direct –(509) 426-6151 Dan.Fisher@hubinternational.com Click on icon to insert pic. Lindsay Steckler Health & Performance Manager, West Region With over 10 years of experience in the wellness industry, Lindsay has a proven track record in strategic planning, program development and vendor management. In her role with HUB International, Lindsay consults with a wide variety of organizations, ranging in size from 50-15,000 employees, to deliver results oriented wellbeing strategies. Lindsay assists clients in data analytics, business planning, incentive design and program evaluation. Additionally, she contributes to the identification, creation and development of new health and performance solutions for all HUB International West Region clients. Before joining HUB International, Lindsay worked for both HealthFitness and MediFit where she was part of an on-site team responsible for the planning, implementation, and evaluation of internal wellness programs for several fortune 100 companies. Lindsay received her Bachelor of Science degree in Exercise Science from Boston University. Lindsay also holds a national certification though the American College of Sports Medicine. hubinternational.com 858-373-6980 Lindsay.Steckler@hubinternational.com Mackenzie Mills Technology Practice Leader, West Mackenzie Mills is the Technology Practice Lead for the Western Region. In this role, she consults with Hub clients to deliver solutions for their internal Human Resources teams. She can assist with analyzing the client’s current software systems and work flows, then match their needs with software vendors that can help increase operational efficiencies. Mackenzie has more than eleven years of experience in the Insurance Industry, specializing in the technology associated with the industry. She has demonstrated success in leading, managing and delivering technology solutions. Mackenzie started her career on the broker side, as an Account Manager, working closely with the Human Resource teams to solve their benefit needs. From there she moved into Property and Causality, managing an office and its operations in the Sacramento area. Prior to her current role as Regional Practice Lead, Mackenzie spent three years working directly for a Benefits Administration software platform, where she led the platform implementation team and was the Corporate Trainer for both internal and external clients. Mackenzie launched the first training department for both the platforms employees and clients, for which she established processes, material, and conducted all employee and client trainings. Mackenzie built strong partnerships with her clients, becoming a vital resource for their questions and benefits administration needs. With more than eleven years of experience with HR, software and benefit broker development, Mackenzie has a comprehensive view of the many facets and needs of the benefits industry. Making her an excellent guide for Hub and its clients through the complexities of Human Resource technology. Mackenzie attended Sacramento State University and American River College with degrees in Social Sciences and English Communications. She has three children, two are off in college, with the last one in high school. In her spare time, she is an avid reader, wine lover, and self-proclaimed “foodie”. hubinternational.com 916-223-5437 Mackenzie.mills@hubinternational.com Mingee Kim, MHSA, CPDM, CLMS Senior Vice President, National Practice Leader Workforce Absence Management, Risk Services Division Mingee Kim serves as the national practice leader for HUB’s Workforce Absence Management practice, which focuses on absence management.She has ten years of experience in integrated absence management and process improvement. She has worked with a wide range of customers both in size and industry, including manufacturing, food and beverage distribution, educational services and health care. Mingee has worked with these organizations to address the linkage between individual health, program/process design and workforce productivity.Mingee analyzes Disability, Leave, Workers’ Compensation, Paid Time Off (PTO) and Medical programs to identify commonalities across these programs and how these benefits are perceived and utilized. She develops and implements evidence-based, data-driven strategic solutions to improve employee experience and contain costs. From 2011 to 2013, Mingee pioneered a new role and service at Laurus Strategies as a leave management consultant. She served as an employer and employee advocate to facilitate return to work for Workers’ Compensation, Family Medical Leave and Disability claimants.The role required large process improvement initiatives and considerable education to internal employer stakeholders that resulted in significant success in aggregate loss reduction and cost savings. Specifically, she was able to reduce the employer’s Workers’ Compensation loss ratio from 125 percent to 30 percent in two and a half years. As a result, Mingee developed extensive knowledge about the employer’s experience when employees are absent from work and equally important, the role of work to the individual employee. hubinternational.com Certifications/Licenses Certified Professional Disability Management (CPDM) Certified Leave Management Specialist (CLMS) Life and Health Producers License, State of IL 55 East Jackson Blvd. Chicago, IL 60604 Direct -(312) 878-3178 Mingee.Kim@hubinternational.com Meagan Tyson West Region Director, Client Communications As the West Region Director of Client Communications for HUB International, Meagan Tyson is responsible for leading and developing a team of strategists, designers and writers that creates dynamic and effective employee communication campaigns. The team works closely with organizations of all sizes to create communication plans that engage and educate all employee groups. Under Meagan’s leadership, the HUB Communications Team has been the proud recipient of the highly coveted national MarCom Awards for 8 years in a row, including 2016. Prior to her career at HUB, Meagan worked as a Communications Director for Intercare, a Southern California brokerage firm. Meagan worked closely with clients and account teams to create customized, client specific employee benefit communications. She was also responsible for developing marketing and prospect communication materials to support the sales and client service teams with their design and product execution needs. Meagan received her Bachelor of Art degree in Communications with an emphasis in Public Relations from San Diego State University. hubinternational.com 858.373.6910 meagan.tyson@hubinternational.com Peter Duncan Professional Employer Organizations Executive Vice President Peter Duncan has over 40 years of industry experience, with specific expertise in Professional Employer Organizations (PEO). In addition to his time with HUB International, he’s been a partner with Sidles, Duncan & Associates. Peter has also held executive positions with BlueShield and HealthNet. hubinternational.com Certifications/Licenses Certified Employee Benefits Specialist (CEBS) Certified Life Underwriter (CLU) Chartered Financial Consultant (ChFC) Life & Health License Board Vice Chair, OneOC Education American College MS, Financial Services 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 Direct –(714) 389-7501 Peter.Duncan@hubinternational.com Click on icon to insert pic. Heather Garbers Vice President - Voluntary Benefits Heather Garbers is responsible for driving Voluntary Benefit strategy and solutions at HUB International. In this capacity, she partners with the HUB team and clients to put together strategies to engage employees in benefits with custom benefit, enrollment, and communication solutions. Her carrier agnostic strategy allows us to truly partner clients with the best fit for their and their employees’ needs. She is very passionate about the Voluntary Benefits industry and its ability to allow employees to personalize benefits to their unique needs, by providing financial wellness solutions to protect themselves and their loved ones. Heather is a Certified Voluntary Benefit Specialist (CVBS) and an Executive Member of the National Advisory Board for the Voluntary Benefits Association. She has also been recognized as a leader in the industry including recipient of Employee Benefit News 2015 Voluntary Advisor of the Year Award and was named one of the “15 Women in Insurance You Need to Know” by LifeHealthPro in March 2016 Prior to joining HUB International, Heather was a Voluntary Sales Executive with a Regional Brokerage and Regional Sales Manager and Training Specialist with a Carrier. Overall, her insurance industry experience spans 14+ years. Heather earned a Bachelor’s of Science degree in Business Administration from the University of Nebraska-Lincoln. hubinternational.com Direct Line: 303-335-8463 Email: Heather.Garbers@hubinternational.com Eric Barthel Senior Vice President, Employee Benefits Narrow Networks Expert Eric Bartel brings over 30 years of employee benefits experience to his clients. His focus is on finding ways to improve the cost and quality of healthcare for employers, public entities and healthcare providers. Eric employs a variety of tools and services to analyze dimensions of healthcare performance with a view of optimizing the cost, delivery and quality of care to consumers and payors. Thorough thoughtful analysis, learning consumer/payor needs and developing effective strategies and partnerships, Eric and his team have been able to demonstrate significant improvement in healthcare. Prior to HUB International, Eric was a partner at Sidles Duncan & Associates, where he was a health benefits consultant to large self-funded employers, with a focus on disease management and health improvement initiatives. His experience includes operating his own firm, Creative Benefit Concepts, as well as executive roles at Aetna and United Healthcare. hubinternational.com Certifications/Licenses Life & Health Licenses, Multiple States Education Glendale College Music 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 Direct –(714) 389-5577 Eric.Barthel@hubinternational.com Click on icon to insert pic. Ashley Thomalla, PhD, CCP, GRP Sr. Human Resources Consultant As a Senior HR Consultant, Ashley Thomalla applies over 15 years of industry expertise combined with a deep background in industrial / organizational psychology to help clients see the big picture in their organization. Her commonsense approach and ability to balance science and practice prove to be crucial to her consulting role. Ashley brings an outside perspective to clients in financial services, healthcare, non-profits and utilities. Her education and experience in employee compensation and rewards help clients focus on and develop rewards strategies. She routinely provides clients with compensation recommendations to help them attract, motivate and retain qualified employees. Ashley encourages a pay for performance culture and has designed market- competitive, pay for performance plans to motivate desired employee behaviors that lead to positive organizational outcomes. Ashley’s background includes senior HR consulting and Human Capital consulting roles with the SilverStone Group, as well as working with the University of Nebraska, the Center for Applied Psychological Services, and at US Strategic Command's Global Innovation & Strategy Center. hubinternational.com Certifications/Licenses Seven Benchmarks, Advance Certification, WELCOA, Certified Compensation Professional (CCP), WorldatWork Global Remuneration Professional (GRP), WorldatWork Education University of Nebraska PhD, Industrial / Organizational Psychology MA, Industrial / Organizational Psychology BA, Psychology / Sociology Direct –(402) 964-5409 Ashley.Thomalla@hubinternational.com Click on icon to insert pic. Employee Communications Samples Per Scope of Work Proposal Requirements 3., Page 40 Your 201X Benefits Enrollment eGuide January 1 - December 31, 201X Y o u r H e a l t h Your Family Your Life LOGO PLACEMENT 1 / 8 SAMPLE Eligibility You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Eligible family members include: Your legally married spouse Your Registered Domestic Partner (RDP) or their children, where applicable by state law Your children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may continue on your health coverage. Required Information At enrollment you are required to enter the Social Security Number for all covered dependents. Healthcare Reform law requires the company to report this information to the IRS each year to show that you and your dependents have coverage and are not subject to a penalty. This information will be securely submitted to the IRS and will remain confidential. When Coverage Begins You must complete the enrollment process within 30 days of your date of hire. If you enroll on time, coverage is effective on the first day of the month following your date of hire. If you fail to enroll on time, you will NOT have benefits coverage (except for Company-paid benefits). Changes made during Open Enrollment are effective at the start of the plan year. Choose Carefully! Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have a Qualifying Event during the year. Following are examples of the most common Qualifying Events: To make changes to your benefit elections, you MUST contact Human Resources within 30 days of the Qualifying Event (including newborns). Be prepared to show documentation of the event such as a marriage license, birth certificate, or a divorce decree. If changes are not submitted on time, you must wait until the next Open Enrollment period to make your election changes. WELCOME Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of quality benefits to protect your health, your family and your way of life. This brochure was designed to answer some of the basic questions you may have about your benefits. Please read it carefully along with any supplemental materials you receive. How to Enroll To enroll for benefits go to www. websiteaddress.com. There you will find detailed information about the plans available to you, and instructions for enrolling. Marriage or divorce Birth or adoption of a child Child reaching the maximum age limit Death of a spouse, Registered Domestic Partner (RDP), or child Change in child custody Change in coverage election made by your spouse/RDP during his/her employer’s Open Enrollment period You lose coverage under your spouse’s/RDP’s plan 2 / 8 201X BENEFITS eGUIDE Inside Medical Plans Dental Plans Vision Plan Flexible Spending Accounts (FSA) Life and Accidental Death & Dismemberment Insurance Disability Insurance Employee Assistance Program (EAP) Voluntary Benefits Valuable Extras Contact InformationSAMPLE HMO Plan With the HMO plan, you select a Primary Care Physician (PCP) from the participating network of providers who will coordinate your healthcare needs including referrals to specialists and approving further medical treatment. Services received outside of the HMO are not covered, except in the case of emergency medical care. PPO Plan The PPO plan gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the (carrier name/network name) network. The calendar year deductible must be met before certain services are covered. Medical Plans ABC Company is proud to offer you a choice between three different medical plans through (carrier name). Coverage under all plans includes comprehensive medical care and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle. Following is a brief description of each plan. 3 / 8 201X BENEFITS eGUIDE SAMPLE Medical Plans (Cont’d) The chart below provides a high-level overview of your medical plan options. Key Medical Benefits (Carrier) Plan name 1 (Carrier) Plan name 2 (Carrier) Plan name 3 In-Network Only In-Network Out-of-Network 1 In-Network Out-of-Network1 Deductible (per calendar year) Individual / Family Out-of-Pocket Maximum (per calendar year) Individual / Family Company Contribution to Your Health Savings Account (HSA) Individual / Family Covered Services Office Visits (physician/specialist) Routine Preventive Care Outpatient Diagnostic Lab & X-ray Complex Imaging Chiropractic Ambulance Emergency Room Urgent Care Facility Inpatient Hospital Stay Outpatient Surgery Prescription Drugs (Tier 1/Tier 2/Tier3) Retail Pharmacy (30-day supply) Mail Order (90-day supply) Coinsurance percentages and copay amounts shown in the above chart represent the percentages that the member is responsible for paying. * Benefits with an asterisk ( * ) require that the deductible be met before the Plan begins to pay. 1. If you use an out-of-network provider, you will be responsible for any charges above the maximum allowed amount. 4 / 8 201X BENEFITS eGUIDE SAMPLE Dental Plans ABC Company is proud to offer you a choice between two different dental plans through (carrier name). HMO Plan – With this plan, you choose a primary dental provider to manage your care. There are no charges for most preventive services, no claim forms and no deductibles. Reduced, pre-set charges apply to other services. PPO Plan – This plan offers you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a dentist who participates in the (carrier name/network name) network. The chart below provides a high-level overview of your dental plan options. Key Dental Benefits (Carrier) Plan name 1 (Carrier) Plan name 2 In-Network Only In-Network Out-of-Network 1 Deductible (per calendar year) Individual / Family Benefit Maximum (per calendar year; Preventive, Basic, and Major Services combined) Per Individual Covered Services Preventive Services Basic Services Major Services Orthodontia Coinsurance percentages and copay amounts shown in the above chart represent the percentages that the member is responsible for paying. * Benefits with an asterisk ( * ) require that the deductible be met before the Plan begins to pay. 1. If you use an out-of-network provider, you will be responsible for any charges above the maximum allowed amount. Vision Plan You have an opportunity to enroll in the (carrier name) vision plan. This plan offers you the freedom and flexibility to use the vision provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the (carrier name/network name) network. The chart below provides a high- level overview of the vision plan. Key Vision Benefits In-Network Out-of-Network Reimbursement Exam (once every 12 months) Materials Copay Lenses (once every 12 months) Single Vision Bifocal Trifocal Frames (once every 24 months) Contact Lenses (once every 12 months; in lieu of prescription glasses) 5 / 8 201X BENEFITS eGUIDE SAMPLE Life/AD&D Insurance Life Insurance provides your named beneficiary(ies) with a benefit in the event of your death. Accidental Death and Dismemberment (AD&D) Insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot, or eye). In the event that your death occurs due to a covered accident, both the Life and the AD&D benefit would be payable. Basic Life/AD&D (Company-paid) This benefit is provided at NO COST to you through (carrier). Benefit Amount Supplemental Life/AD&D (Employee-paid) If you determine you need more than the Company-paid Basic Life/AD&D coverage, you may purchase additional coverage for yourself and your eligible family members. Benefit Option Guarantee Issue* Employee Spouse/RDP Child(ren) *During your initial eligibility period only, you can receive coverage up to the Guarantee Issue amounts without having to provide Evidence of Insurability (information about your health). Coverage amounts that require Evidence of Insurability will not be effective unless approved by the insurance carrier. 6 / 8 201X BENEFITS eGUIDE SAMPLE Voluntary Benefits During an annual Open Enrollment period, you will have an opportunity to purchase voluntary benefits through (carrier name)at affordable group rates. This coverage complements your medical plan by providing cash benefits that can be used to help pay for the out-of-pocket expenses your plan may not cover such as deductibles, coinsurance, and copays. Benefits are paid directly to you — not to a doctor or healthcare provider. Hospital Indemnity Insurance Would a trip to the hospital leave your finances in serious condition? Hospital Indemnity Insurance can help. This coverage pays you a lump-sum cash benefit, directly to you, when you are admitted to the hospital for a covered hospital stay. Accident Insurance If you have an accident, will it hurt your bank account too? Accident Insurance gives you something to fall back on. Accident Insurance pays you a lump-sum cash benefit, directly to you, for specific injuries you receive and the treatment you need, including hospitalization. Valuable Extras ABC Company also offers the following additional benefits: 401(k) Retirement Plan Travel Assistance (Company-paid) Group Legal Plan Home and Auto Group Insurance Pet Insurance Disability Insurance You are provided with Short-Term and Long-Term Disability Insurance at NO COST to you through (carrier). Disability Insurance provides benefits that replace part of your lost income when you become unable to work due to a covered injury or illness. Short-Term Disability Long-Term Disability Benefit Percentage Weekly Benefit Maximum When Benefits Begin Maximum Benefit Duration Employee Assistance Program (EAP) Life is full of challenges and sometimes balancing it is difficult. ABC Company is proud to provide a confidential program dedicated to supporting the emotional health and well- being of our employees and their families. The EAP is provided at NO COST to you through (administrator) and can help with the following issues, among others: Stress, anxiety or depression Relationships Problems with your children Substance abuse Grief and loss Marital conflicts Empty-nesting Workplace conflict Legal issues Mental health EAP Services Assistance for you or a household family member Up to three (3) in-person sessions with a counselor,per year, per individual Unlimited toll-free phone access 24/7 Online resources 24/7 Work/life services for assistance with child care, elder care, financial issues, plus much more 7 / 8 201X BENEFITS eGUIDE SAMPLE Coverage Carrier Phone # Website/Email Medical Dental Vision Life/AD&D Flexible Spending Accounts (FSA) Disability Employee Assistance Program (EAP) Voluntary Benefits Contact Information Cost of Benefits Your contributions toward the cost of benefits are automatically deducted from your paycheck. The amount will depend upon the plan you select and if you choose to cover eligible family members. Please refer to the separate insert rate sheet for your contributions. Benefits Website Our benefits website, www.websiteaddress.com, can be accessed anytime you want additional information on our benefits programs. Questions? If you have additional questions, you may also contact: (first last name) at (phone number) / name@company.com Important Note: The material in this benefits brochure is for informational purposes only and is neither an offer of coverage or medical or legal advice. It contains only a partial description of plan or program benefits and does not constitute a contract. Please refer to the Summary Plan Description (SPD) for complete plan details. In case of a conflict between your plan documents and this information, the plan documents will always govern. Annual Notices: ERISA and various other state and federal laws require that employers provide disclosure and annual notices to their plan participants. The Company will distribute all required notices annually. 8 / 8 201X BENEFITS eGUIDE SAMPLE Millennials are 154 percent more likely to want to receive benefits- related information texted to their mobile device.1 Text messaging allows you to send important reminders to your employees instantaneously and keep them engaged in their benefits throughout the year. Text messaging is the most pervasive form of communication; in fact, 8.6 billion texts are sent per day in the U.S.2 and text messages have a 98 percent open rate.2 That is why HUB International has identified a preferred vendor to offer you a quick, convenient and cost-efficient text message communication platform. Our team can assist you with any or all of the following steps to make your text messaging campaign a success: • Initial account creation • Materials to promote company text messages to employees • Drafting and scheduling of all benefits-related messages Text Messaging Costs With the Pay & Go service, you can select a custom keyword for only $25 per month! Then, each message you send costs only $0.05 per contact. For example, if you send one text message per month to 1,000 employees your cost would be: $25 + $50 (1,000 x $0.05) = $75/month. Employees opt in to receive updates by texting your custom keyword to 313131. Those who do opt in will give you a better idea of how many of your employees prefer to receive communications by phone. hubinternational.com Are You Communicating to Your Employees at Their Point of Need? 1. “Employees Speak Up About Benefits Communications”. GuideSpark. April 2014 Survey Report. 2. “Communicate Like a Marketer For a Successful Open Enrollment”. PlanSource. September 2016 Webinar. 1 of 2 At ABC Company we care about the health and well-being of our employees and want to provide you with the knowledge, tools and motivation you need to improve your health. Whether you’d like to lose weight, become more active, improve your diet or simply maintain a healthy lifestyle, the wellness program offers a pathway to help you reach your wellness goals. It also helps you identify preventive measures to avoid the onset or worsening of an illness or disease. Wellness Program STEP 1: Health Screening Our wellness program starts with an annual health screening event. Health screenings are available through an on-site event sponsored by ABC Company, through Labcorp, or your personal physician. A health screening is a brief health exam that includes a blood draw and a height, weight, and blood pressure evaluation to help determine your risk for common diseases like diabetes, heart disease and other medical conditions. Screening includes comprehensive blood testing: Cholesterol panel, Chemistry panel, and a complete Blood Count (CBC). Health Screening must be completed by MM/DD/YY. STEP 2: Health Assessment Completing the online health assessment helps you evaluate your current health habits and determine potential areas for improvement. Before you take the health assessment, you should have your health screening information handy, To take the health assessment, do the following: 1. 2. 3. Health Assessment must be completed by MM/DD/YY. STEP 3: 200 Wellness Points You must earn 200 wellness points by completing positive lifestyle activities and behaviors. (Most of the activities you are doing already earn you points.) See reverse side for point values of activities. 200 Wellness Points must be earned by MM/DD/YY. GET REWARDED — Save Money on Your Medical Contributions! To encourage you to live a healthy lifestyle, ABC Company will discount the employee contributions to the medical plan by $50 a month (up to $600/year) to all medical plan members who qualify. LOGO PLACEMENT To qualify for a discount on your medical plan contributions, you must complete all of the following three steps by the stated deadline. 2 of 2 Required Steps Frequency Verified as Completed Via Points Health Screening Annual Receipt 50 Health Assessment Annual Computer generated receipt 50 Preventive Exams Frequency Verified as Completed Via Points Pneumonia Vaccine Recommended Every 10 Years Evidence of Benefits (EOB)25 Influenza Vaccine Recommended Yearly Evidence of Benefits (EOB)25 Vitamin B12 Vaccine Recommended once per year Evidence of Benefits (EOB)25 Dental Checkup Recommended Twice a Year Evidence of Benefits (EOB)25 Vision Exam Recommended Once a Year Evidence of Benefits (EOB)25 Child Immunizations Based on doctor recommended advice Evidence of Benefits (EOB)25 Dermatology Screening Recommended once per year Evidence of Benefits (EOB)25 Colon Cancer Screening Based on doctor recommended advice Evidence of Benefits (EOB)25 Breast Screening Based on doctor recommended advice Evidence of Benefits (EOB)25 Osteoporosis Screening Recommended for Women Over 65 Evidence of Benefits (EOB)25 Prostate Screening (PSA)Based on doctor recommended advice Evidence of Benefits (EOB)25 Activity Participation Frequency Verified as Completed Via Points Participate in a sports league Participate in Up to 2 Leagues Per Year Show paid registration form 25 Local Walk or Run (i.e. 5k/10k event)Participate in Up to 2 Events Per Year Show bib issued by the event 25 Complete a Half Marathon Participate in Up to 2 Events Per Year Show bib issued by the event 25 Complete a Full Marathon Participate in Up to 2 Events Per Year Show bib issued by the event 25 Complete a Triathlon Participate in Up to 2 Events Per Year Show bib issued by the event 25 Complete a Biking Race Participate in Up to 2 Events Per Year Show bib issued by the event 25 Additional Wellness Points Frequency Verified as Completed Via Points Attend Lunch-n-Learn To be held quarterly Sign in and out 10 Donate Blood Participate in Up to 1 Event Per Year Sticker saying you've donated!10 Wellness Points You earn wellness points by engaging in any of the following prevention, education, fitness and healthy living activities. Proof of completion will need to be submitted to Human Resources. All wellness program information can be found at: www.WellnessWebsite.com Selecting a health plan for yourself and your family is one of the most important decisions you make. A new Health Savings Account (HSA) health plan option will be introduced during open enrollment and we want you to be informed about how this new plan works. Over the next several weeks we’ll be sending out a series of newsletters to help you learn about the HSA plan and how it works. WHAT IS AN HSA PLAN? An HSA plan pairs a high-deductible PPO health plan with a health savings account (HSA). An HSA is designed to empower you to take control of the money you spend on your health care and allows you to save money for future health care expenses. The account is controlled by you and if the funds are not used, the money will continue to grow over time. You and The Company can put money in the HSA anytime, up to an IRS yearly maximum. The 2015 annual IRS contribution limits are $3,350 for individual coverage and $6,650 for family coverage. Individuals age 55 and older can contribute an additional $1,000 per year. YOUR NEW HSA HEALTH PLAN Newsletter Series 1 of 4 HOW THE HSA PLAN WORKS You seek medical services You and The Company put money into your health savings account (HSA) Unused money in your account rolls over every year to be used for future medical expenses Once the deductible is met, the plan pays for a certain % of services The deductible and coinsurance are paid out-of -pocket or with money in your HSA 1 2 3 4 5 201X RATE SHEET Medical (Monthly / Semi-Monthly / Bi-Weekly) Employee Contributions Coverage Tier Plan 1 Plan 2 Plan 3 Employee Only $115.01 $129.55 $33.47 Employee + Spouse/RDP $241.52 $272.05 $70.28 Employee + Child(ren)$218.52 $246.15 $63.59 Employee + Family $345.03 $388.65 $100.40 Your contributions toward the cost of medical, dental and vision coverage are automatically deducted from your paycheck before taxes. Dental (Monthly / Semi-Monthly / Bi-Weekly) Employee Contributions Coverage Tier Plan 1 Plan 2 Employee Only $1.18 $3.78 Employee + Spouse/RDP $2.40 $7.73 Employee + Child(ren)$2.40 $7.73 Employee + Family $3.77 $12.13 Vision (Monthly / Semi-Monthly / Bi-Weekly) Employee Contributions Coverage Tier Plan Employee Only $0.00 Employee + Spouse/RDP $2.71 Employee + Child(ren)$2.84 Employee + Family $6.91 Registered Domestic Partner (RDP) Contributions: Your contributions to cover an RDP are the same as those to cover a legal spouse. However, because of Internal Revenue Code (IRC) restrictions, in most cases, the fair market value of your RDP’s or RDP’s children’s (if they are not federal tax dependents) healthcare coverage will be taxable to you as imputed income. This value is determined by the amount that The Company pays in premium for RDP coverage. This amount raises your taxable gross income. Also, the payroll deductions to cover an RDP must be taken on an after-tax basis. Supplemental Life/AD&D Deductions for supplemental Life/AD&D are taken from your paycheck after taxes. Rates are available online during enrollment. BENEFITS 201X Open Enrollment YOUR HEALTH YOUR FAMILY YOUR LIFE LOGO PLACEMENT This is your once-a-year opportunity to make changes to your benefits, without a Qualifying Event. During Open Enrollment you can: Add, cancel, or change your coverage Add or remove eligible family members Enroll or re-enroll in the Health Care and/or Dependent Care Flexible Spending Accounts WHAT’S HAPPENING KEY DATES Open Enrollment Dates November 1 - November 15, 201X Deadline to Enroll Friday, November 15. 201X Benefit Elections Effective January 1, 201X Open Enrollment is MANDATORY this year, even if you are not making any changes. To learn more and make your benefit elections, log in to: www.BenefitsWebsite.com BENEFITS 201X Open Enrollment YOUR HEALTH YOUR FAMILY YOUR LIFE LOGO PLACEMENT WHAT’S HAPPENING KEY DATES Open Enrollment Dates November 1 - November 15 201X Deadline to Enroll Friday, November 15, 201X Benefit Elections Effective January 1, 201X LOGO PLACEMENTBENEFITS 2015 Open Enrollment YOUR HEALTH YOUR FAMILY YOUR LIFE LOGO PLACEMENTBENEFITS 201X Open Enrollment YOUR HEALTH YOUR FAMILY YOUR LIFE NOV. 1 - NOV. 15 This is your once-a-year opportunity to make changes to your benefits, without a Qualifying Event. During Open Enrollment you can: Add, cancel, or change your coverage Add or remove eligible family members Enroll or re-enroll in the Health Care and/or Dependent Care Flexible Spending Accounts Open Enrollment is MANDATORY this year, even if you are not making any changes. To learn more and make your benefit elections, log in to: www.BenefitsWebsite.com Per Scope of Work Proposal Requirements 4., Page 42 Newsletter Samples 3/22/2021 https://hub.hubinternational.com/acton/rif/43188/e-015a-2103/-/l-tst:28/l-tst/showPreparedMessage?sid=TV2:obR4sdzff https://hub.hubinternational.com/acton/rif/43188/e-015a-2103/-/l-tst:28/l-tst/showPreparedMessage?sid=TV2:obR4sdzff 1/2 Click Here if you are having trouble viewing this message. Compliance Alert Disaster Relief or Relief Disaster? Every COBRA, Special Enrollment, or Claims Event Gets Its Own COVID-Extended Deadline The agencies have now extended the Outbreak Period “pause” for COBRA, special enrollment rights, and claims deadlines. The “pause” will now apply separately to each event. Read Now Summary Previously, the Outbreak Period “pause” was supposed to end on February 28 for everyone. The agencies now say it will apply to each event separately. Employers will need to communicate this change and consider a robust ongoing communication plan. Employers will also need to coordinate with their insurance carriers and administrators to make sure the “pause” is applied properly. Read the complete Compliance Alert here. Click here to unsubscribe or to change your Subscription Preferences. This information is provided for general information purposes only. It does not constitute professional advice and does not create a broker-client relationship. Please consult a HUB advisor about your specific needs before taking any action. 3/19/2021 https://hub.hubinternational.com/acton/rif/43188/e-0130-2101/-/l-tst:28/l-tst/showPreparedMessage?utm_term=Here&utm_campaign=TEST-In Compli… https://hub.hubinternational.com/acton/rif/43188/e-0130-2101/-/l-tst:28/l-tst/showPreparedMessage?utm_term=Here&utm_campaign=TEST-In Compliance January 2…1/3 Click Here if you are having trouble viewing this message. Here's What We're Tracking This Month To Keep You In The Know Employee Benefits Predictions for a Biden Presidency, Redux Employer Reporting for State Individual Mandates (and Other Deadlines) Fiduciary Duties Regarding Participant Funds – Traps for the Unwary ERISA Does Not Preempt Arkansas PBM Statute. What’s Next? Grandfathered Plans Get (a Little) More Flexible Employee Benefits Predictions for a Biden Presidency, Redux What could employers expect from a Biden presidency? Now that the two Senate runoffs in Georgia have both been called for the Democratic challengers, it is time to revisit our earlier thoughts. >Read More Employer Reporting for State Individual Mandates (and Other Deadlines) While multi-state employers tend to focus (appropriately) on federal requirements, the past few years have seen a proliferation of additional state and local obligations. >Read More Fiduciary Duties Regarding Participant Funds – Traps for the Unwary 3/19/2021 https://hub.hubinternational.com/acton/rif/43188/e-0130-2101/-/l-tst:28/l-tst/showPreparedMessage?utm_term=Here&utm_campaign=TEST-In Compli… https://hub.hubinternational.com/acton/rif/43188/e-0130-2101/-/l-tst:28/l-tst/showPreparedMessage?utm_term=Here&utm_campaign=TEST-In Compliance January 2…2/3 A late 2020 court decision, Hammer v. Johnson Senior Ctr., stresses the importance of protecting ERISA plan participant funds while also identifying health and welfare plan fiduciaries and their responsibilities. >Read More ERISA Does Not Preempt Arkansas PBM Statute. What’s Next? Late last year the U.S. Supreme Court ruled ERISA did not preempt an Arkansas statute regulating the prices that pharmacy benefit managers pay to pharmacies. >Read More Grandfathered Plans Get (a Little) More Flexible On December 15, 2020, the Departments of Treasury, Labor, and Health and Human Services released changes to the grandfathered plan rules under the ACA. >Read More Don't Forget These Deadlines February 1 Provide Forms W-2, which may include the following: (1) the cost of group health coverage (for employers that were required to issue 250 or more W-2s last year); (2) imputed income arising from excess group term life insurance, some LTD programs, and domestic partner coverage; and (3) HSA contributions. March 1 IRS Form 1094/95 – B & C filing due (if filing on paper). Every employer that offers, and every person that provides, minimum essential coverage to an individual during a calendar year must file an information return reporting the coverage. If filing Form 8809, deadline for filing with the IRS extends out 30 days. Only employers furnishing fewer than 250 of these forms are permitted to file by paper; all others must file electronically. The deadline is Sunday, February 28. By law, the deadline moves to Monday, March 1. March 1 For calendar year plans, deadline to submit Annual Notice of Medicare Part D Creditable Coverage to CMS. March 2 (UPDATED) Provide Forms 1095-C and 1095-B (if applicable) to employees. This applies to employers who are self-funded and/or subject to the ACA employer mandate. The original deadline was January 31. For deadlines based on the timing of your plan year, contact your HUB account manager or refer to the HUB Compliance Calendar. From the Archives 3/19/2021 https://hub.hubinternational.com/acton/rif/43188/e-0130-2101/-/l-tst:28/l-tst/showPreparedMessage?utm_term=Here&utm_campaign=TEST-In Compli… https://hub.hubinternational.com/acton/rif/43188/e-0130-2101/-/l-tst:28/l-tst/showPreparedMessage?utm_term=Here&utm_campaign=TEST-In Compliance January 2…3/3 Congress Passes COVID-19 Relief With Additional Benefits Provisions At the end of last year Congress passed the COVID-19 relief bill which included several provisions of interest to health plan sponsors that require prompt attention in 2021. >Learn More Upcoming Webinar Implementing an Employee Vaccination Program: Cost, Access, and Communication Tuesday, February 2nd, 2021 | 12:00 PM CT / 1:00 PM ET As the COVID-19 vaccine becomes more widely available, employers who have established their workplace policy, need to turn their attention to program implementation. Successful vaccination programs require careful planning and communication on the potential risks and benefits of vaccines to properly address employee fears and concerns. >Register Today! Contributing authors to In Compliance: Carrie Cherveny, Chief Compliance Officer, Southeast Region; Senior Vice President, Strategic Client Solutions. Russell Denver, Compliance Attorney, New England. Dennis Fiszer, Senior Vice President & Chief Compliance Officer, Northeast Region. Lisa Burkhart, Compliance Manager, Mid-South Cory Jorbin, Chief Compliance Officer, West Region. Jack McStravock, Chief Compliance Officer, Central Region. Liliana Salazar, Chief Compliance Officer, Pacific Region. Kayla McDaniel, Compliance Manager, Pacific Region Click here to unsubscribe or to change your Subscription Preferences. This information is provided for general information purposes only. It does not constitute professional advice and does not create a broker-client relationship. Please consult a HUB advisor about your specific needs before taking any action. HUB International, 300 N. LaSalle Street, Chicago, IL 60654 © 2021 HUB International Limited. All rights reserved. 3/19/2021 American Rescue Plan & COBRA | HUB International https://www.hubinternational.com/products/employee-benefits/compliance-bulletins/2021/03/american-rescue-plan-and-cobra/1/5 American Rescue Plan Brings More Benefits Changes MARCH 12, 2021 By: HUB’s EB Compliance Team Among the many parts of the $1.9 trillion (the “Act”) are a few benefits-related items that employers will need to address. Dulling COBRA’s Bite The Act provides a 100% subsidy for COBRA and continuation coverage under state mini- COBRA laws beginning with April 1, 2021 going through September 30. (For simplicity, we will refer only to COBRA, although the rules apply to both.) This is only available to: employees or dependents who became COBRA-eligible due to the employee’s termination of employment or reduction in hours, BUT NOT if the employee voluntarily resigned. In other words, these COBRA-covered individuals will not have to pay any part of the premium. If the COBRA-covered individual pays the premium, the insurer or employer, as applicable, is required to refund it within 60 days. Ending Early. The premium assistance can end before September 30 if the individual is eligible for other major medical coverage or Medicare (not including excepted benefits, health FSAs, or qualified small employer health reimbursement arrangements).Individuals are required to give notice of other coverage or face a $250 penalty (or more if the failure to notify is intentional). American Rescue Plan By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies 3/19/2021 American Rescue Plan & COBRA | HUB International https://www.hubinternational.com/products/employee-benefits/compliance-bulletins/2021/03/american-rescue-plan-and-cobra/2/5 Chance to Re-up.Individuals who do not have a current COBRA election in effect or who had COBRA, but then dropped it before April 1 will have a new 60-day election period to take COBRA. However, this does not extend the maximum COBRA coverage period they would have had based on their original qualifying event.It’s unclear how this new election period dovetails with the “pause” on COBRA deadlines announced by the DOL and IRS that we discussed . Optional Election Window. The Act also allows (but does not require) employers to offer a 90-day window following when they become eligible for the subsidy for the individual to elect less expensive major medical coverage available to active employees. The other coverage cannot be only excepted benefits, a health FSA, or a qualified small employer health reimbursement arrangement. Notices. Perhaps most importantly, COBRA notices must be revised to include a discussion of premium assistance and the 90-day election window (if it is offered). The Act contains specific requirements that must be included and directs the applicable agencies to develop a model notice within thirty (30) days of enactment. This additional information can be included in a separate document.Employers should work with their COBRA administrators to make sure they are updating their notices appropriately. The Act also requires that individuals be given notice when their premium assistance is about to end. Specifically, no more than 45 days, and no less than 15 days before the subsidy expiration date, plan administrators must provide notice to subsidy recipients informing them that their subsidy will expire. Model notices will be issued for this too. Paying for This. The COBRA subsidy is paid for by a credit against the hospital insurance (or “HI”) tax. This is the 1.45% tax on payroll intended to help fund Medicare.It is not subject to a wage cap. For fully-insured plans not subject to federal COBRA (i.e., those subject only to state mini-COBRA laws), the credit belongs to the carrier; for fully-insured plans subject to federal COBRA and all self-funded plans, the credit belongs to the employer. If the HI tax liability is not enough to cover the cost of the COBRA subsidy, the excess is treated as a tax overpayment which will be refunded by the IRS (including in advance). Increased Exclusion for Employer-Provided Dependent Care Assistance here By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies 3/19/2021 American Rescue Plan & COBRA | HUB International https://www.hubinternational.com/products/employee-benefits/compliance-bulletins/2021/03/american-rescue-plan-and-cobra/3/5 The Act also increases, just for taxable years beginning in 2021 (calendar year 2021, for nearly all dependent care plans), the dependent care maximum amount from $5,000 to $10,500 (or half that amount for married individuals filing separately). Plans have until the end of the 2021 plan year to amend to add this, contrary to the standard rule that cafeteria plans cannot be amended retroactively. Employers wanting to adopt this increased limit will need to amend their plans by this deadline and operate their plans accordingly. Premium Tax Credit Changes The Act also makes several changes related to premium tax credit subsidies that help individuals buy individual health coverage on the Affordable Care Act (“ACA”) exchanges/marketplaces. These changes have implications for employers subject to the ACA employer mandate since an employee receiving a tax credit is one of the requirements to trigger an employer mandate penalty (more information on the mandate is available ). Specifically: The Act increases the size of the subsidies. For 2021 and 2022, the Act reduces the maximum amount an individual has to pay for individual coverage from 9.5% of income (as adjusted annually) to 8.5% of income. Importantly, this does not flow through to the ACA employer mandate. This means the affordability percentage for the ACA employer mandate will remain at 9.83%. If affordable coverage (using 9.83%) is offered by the employer, the individual will not be eligible for a premium tax credit. The Act increases the group of individuals eligible for subsidies. For 2021 and 2022, the Act removes the income cap on affordability for premium tax credit purposes. Prior to the Act, only those making under 400% of the federal poverty line (for 2021, $51,520 for an individual; $106,000 for a family of four) could receive these subsidies. Now, as a result of the Act, anyone, regardless of income, can receive subsidized individual health coverage on the ACA exchanges/marketplaces for 2021 and 2022. This could increase exposure to employers subject to the ACA employer mandate since now any employee not offered affordable, minimum value coverage by an employer subject to the mandate could trigger a penalty. here By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies 3/19/2021 American Rescue Plan & COBRA | HUB International https://www.hubinternational.com/products/employee-benefits/compliance-bulletins/2021/03/american-rescue-plan-and-cobra/4/5 The Act gives larger subsidies to people who received unemployment compensation.Individuals who received unemployment compensation in 2021 are treated as having income of 133% of the federal poverty line for the entire year. This means they will be entitled to the maximum available subsidy for individual coverage (which, under the Act, could cover the individual’s entire premium). As a result, an employer hiring someone who received unemployment assistance may find that this person will not want to enroll in the employer’s coverage in 2021. Next Steps Employers should work with their COBRA vendors and, if subject to federal COBRA, their payroll tax providers to address the implementation issues around the COBRA subsidy. Specifically: 1. Making sure notices are updated with language about the subsidies; and 2. Addressing how the HI tax credit will be claimed. Additionally, employers looking to expand their dependent care assistance programs should notify their administrators promptly if they are choosing to increase the maximum level of reimbursement for 2021. They should then amend their plans accordingly. Finally, employers subject to the ACA employer mandate, but not currently offering affordable, minimum value coverage should consider whether to start offering it (or increasing their contributions to their current coverage to make it affordable). The increased availability of premium tax credits could lead to increased exposure to potential penalties. For the latest information on COVID-19 and the vaccines, please keep visiting HUB’s . If you have any questions, please contact your . You can also view more compliance articles in our . NOTICE OF DISCLAIMER The information herein is intended to be educational only and is based on information that is generally available. HUB International makes no representation or warranty as to its accuracy and is not obligated to update the information should it change in the future. Coronavirus and Vaccine Resource Center HUB Advisor Compliance Directory By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies 3/19/2021 American Rescue Plan & COBRA | HUB International https://www.hubinternational.com/products/employee-benefits/compliance-bulletins/2021/03/american-rescue-plan-and-cobra/5/5 The information is not intended to be legal or tax advice. Consult your attorney and/or professional advisor as to your organization’s specific circumstances and legal, tax or other requirements. © 2021 HUB International Limited. 300 N LaSalle St., 17th Floor, Chicago,IL 60654. All rights reserved. Privacy Statement Terms & Conditions Sitemap By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies Per Scope of Proposal Requirements 6., Page 47 Wellness ebook Workplace Wellness Trends Shaping Today’s Workforce What are the top trends affecting the health and productivity of your workforce — and what can you do to help? Risk & Insurance | Employee Benefits | Retirement & Private Wealth Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 2 Contents Chapter 1: Financial Wellness 3 Financial stress impacts employee productivity and wellbeing. Learn how to develop a holistic financial wellbeing strategy that helps your employees become financially secure. Chapter 2: Humanizing Your Workplace 5 Employers who want to maximize performance need to look after their employees as more than just task performers. Learn how to engage your employees with strategies that boost energy, foster creativity and enhance communication. Chapter 3: Mental Health 7 Poor mental health has a greater impact on the workplace than poor physical health. Learn how to take a preventive approach to avoid lost productivity, reduce stigma, and increase access to care. Chapter 4: Intrinsic Motivators 9 Extrinsic motivators like financial incentives often yield short-term benefits. Learn how to achieve long-term benefits through intrinsic motivators that inspire and drive employee engagement. Executive Summary While economic expansion has created a shortage of skilled workers, new developments in behavioral science continue to push back against the traditional biometric-based wellness programming model. Employers have responded by shifting their focus away from just disease management to a more holistic approach to total wellbeing. This year’s Workplace Wellness Trends from HUB International highlight an emphasis on influencing culture and offering initiatives to improve the employee experience, while continuing to reinforce the impact of mental health and financial stress on employee wellbeing. Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 3 Chapter 1: Financial Wellness When an employee is stressed financially, their physical, mental, and emotional health suffers. Employees are happier and healthier when they have a sense of financial well- being, and their performance is better as well. Close the gaps in your financial wellness program so you can offer your employees the resources they need to manage their finances more effectively. Some of these benefits and tools include: ȋ Medical, Rx, long-term and short-term disability plans ȋ Voluntary benefits to cover unexpected expenses (critical illness, accident) ȋ Student loan resources & assistance (tuition reimbursement, repayment options) ȋ College savings plans ȋ Retirement savings matching, automatic contribution increases, and education ȋ HSA/HRA contributions ȋ Discounts and deals sites ȋ Short-term loans, daily access to paycheck funds, automatic savings programs ȋ Health plan transparency tools ȋ Financial Wellness behavior change programs and online educational websites FINANCIAL STRESS SOURCES, BY THE NUMBERS Where does employees’ financial stress come from? Let’s break it down. 54%64%25% Of employees are stressed about their finances Of employees are impacted by student loans Of employees say access to unbiased financial wellness counselors would be the most desired employer benefit that they don’t already have Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 4 WHAT CAN YOU DO? Three ways to start addressing the impact of financial stress: Survey your employees to learn more about which financial issues keep them up at night, and how prepared they currently are to address them. Evaluate your current benefits and financial wellness programs to identify where gaps exist. Connect with a HUB advisor to develop a formal Financial Wellness program to enable and engage employees to earn, save, protect, invest, and manage money effectively. 1 2 3 Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 5 Chapter 2: Humanizing Your Workers With the pressure to exceed company goals and continually innovate, it’s not uncommon for businesses to lose sight of the fact that employees are real people with real feelings, struggles and needs inside and outside of work. When employees don’t feel like their needs and feelings are being addressed, they tend to disengage in their work and have lower job satisfaction overall. When you humanize your workplace, you: ȋ Build happiness, boost employee energy, and increase retention ȋ Engage employees and allow them to create a sense of achievement ȋ Give employees flexibility in their workplace and choice in their career path ȋ Encourage social interactions and individuality HOW TO CREATE A HUMANIZED WORKPLACE The following ideas can help employees feel valued and engaged. RECOGNITION Show your employees that you care about their personal success, value their efforts, and appreciate their loyalty. CHOICE Stop doing wellness “to” employees, and partner “with” employees to offer well-being solutions on their terms. ENVIRONMENT Purposeful workplace design is one of the easiest ways to ignite employees’ senses and enhance their creativity. PURPOSE Put “purpose” at the center of your well-being programs. Individuals with a defined purpose in life have fewer health risk factors and, reduced incidence of chronic disease. REMOVE BARRIERS Make your wellness initiatives more accessible to employees. BALANCE Make sure employees feel that they can manage both their jobs and their personal lives without having to give up one for the other.SOCIAL COMMUNITY Your well-being programs should reflect the digital age we live in — embrace technology, social networks, and actively engage in online communities. Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 6 Sources: Consumer Health Mindset Survey; Virgin Pulse (2015), “4 Simple Ways to Help Employees Beat Burnout” WHAT CAN YOU DO? Three ways you can work to humanize your workplace: Consider a vendor or partner who can add tools for recognition and engagement. Rework elements of your physical workplace to be more accommodating to social interaction and individuality. Provide choice in benefits, career paths, and working hours, to enable employees to align careers with their life purposes. 1 2 3 Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 7 Chapter 3: Mental Health The impact poor mental health has on the workplace is greater than that of poor physical health. In fact, more workers are absent due to mental health issues than physical illness or injuries. By taking a preventative vs. reactive approach to psychological health, employers can: ȋ Create a culture of acceptance, free from the stigma of seeking out mental health help ȋ Avoid lost productivity due to mental health absences or lack of engagement ȋ Improve employee satisfaction MENTAL HEALTH BY THE NUMBERS 1 IN 5 WORKING ADULTS experience a diagnosable mental illness each year 1 IN 10 FULL-TIME EMPLOYEES has an addiction Of employees with a mental illness take time off because of it — up to 10 days a year 40%More than 35% of managers feel they receive no formal support or resources to help employees 35 % Mental illnesses are the leading cause of disability worldwide Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 8 Sources: https://www.inc.com/matthew-jones/how-mental-health-can-save-businesses-225-billion-each-year.html National Business Group on Health (https://www.businessgrouphealth.org/) WHAT CAN YOU DO? Three ways to take a preventative stance on mental health: Address stigma and create a culture of acceptance. Methods could include conducting in-house campaigns or bringing employee assistance program (EAP) staff and mental health care providers onsite to decrease stigma and increase care. Create alternative strategies for expanding access to mental care services. Promote telehealth services and include access to complementary and alternative medicine services like acupuncture and chiropractic care. Digital health tools have the potential to dramatically increase the ability to address several conditions, and they are often low-cost or even no-cost. HUB offers a wide range of online resources for clients. 1 2 3 Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 9 Chapter 4: Intrinsic Motivators The key to employee engagement is targeted, effective communication and the right incentives. There are two kinds of incentives, extrinsic and intrinsic. Extrinsic incentives like cash are transactional and their impact is often short- term. On the other hand, intrinsic incentives can: ȋ Inspire and motivate employees in the moment and throughout the year ȋ Encourage employees to make their own decisions and actions to reach a personal or professional goal ȋ Increase employee engagement and happiness EXTRINSIC VS. INTRINSIC INCENTIVES ȋ Cash ȋ Premium incentives ȋ Gift cards ȋ Prizes ȋ Time off ȋ Recognition ȋ Personal fulfillment/values ȋ Social connection ȋ Happiness ȋ Trust/responsibility EXTRINSIC INCENTIVES INTRINSIC INCENTIVES Risk & Insurance | Employee Benefits | Retirement & Private Wealth hubemployeebenefits.com | 10 WHAT CAN YOU DO? Three ways to encourage the behavior you’d like to see in your employees: Field a custom Health Culture Survey to better understand what will motivate your workforce to be more engaged and take actions that incorporate that input. Reduce extrinsic/external incentive values and shift the focus and resources into employee recognition and building culture. Provide a focused, but broader range of health and wellbeing programs and services that will allow participants to choose how they want to engage in their personal journey toward health improvement. 1 2 3 © 2020 HUB International Limited. All rights Reserved. Tailored support that puts you in control We can advise you on how to confidently navigate change, and help develop a strategy to support and engage your people by promoting a culture of health and high performance. Contact a HUB advisor today at: hubemployeebenefits.com Ready for tomorrow. Risk & Insurance | Employee Benefits | Retirement Private Wealth Reports Per Scope of Work Proposal Requirements 14., Page 53 Utilizers Monthly Average Plan Cost $1,892,980 $1,580,907 SPECIALTY NON SPECIALTY SPECIALTY NON SPECIALTY 45.5% [6.00%]54.5% [-4.51%] 40.87% National Average 59.13% National Average T O T A L $3,473,887 [ 31.48% ] before Projected Rebates $2,434,696 [ 29.35% ] with Projected Rebates $52.44 [12.32%] $43.82 [24.72%] SPECIALTY NON SPECIALTY Jan 2019 -Mar 2019Jan 2020 -Mar 2020 43.82 52.44 96.26 35.13 46.69 81.82 0 20 40 60 80 100 120 Non Specialty PMPM Specialty PMPM Total PMPM $96.26 [ 17.64% ] before Projected Rebates Plan Cost PMPM $67.46 [ 15.73% ] with Projected Rebates $97.88 before Projected Rebates You are 1.65%below the National Average National Average Total Rx 26,587 [14.8%] 26,198 [14.6%] NON SPECIALTYSPECIALTY 389 [31.0%] Members Monthly Average EMPLOYEES DEPENDENTS12,018 [11.7%] 5,671 [11.1%] 6,347 [12.2%] •Variances are rate of increase/decrease from Jan 2020 -Mar 2020 to Jan 2019 -Mar 2019. Which is noted in parentheses [ ##.#% ] •All calculations do not take into account any rebates estimated or received unless otherwise noted. 88.93% [0.1%] Generic Dispense Rate 86.40% National Average 88.93%88.81% 11.07%11.19% 0% 25% 50% 75% 100% Jan 2020 - Mar 2020 Jan 2019 - Mar 2019 Generic Brand Trend & Plan Cost Dashboard: Your Performance Sample ClientReport Date: Jan 2020 -Mar 2020 4,172 [ 13.1% ] Monthly Exposure EE Count Member Count Utilizers Gross Cost Plan Cost Member Cost Gross Cost PMPM Plan Cost PMPM Specialty Plan Cost PMPM Non Specialty Plan Cost PMPM Scripts PMPM Generic Dispense Rate ( % ) Mail Rate ( % ) Variance Trend Variance 11.12%11.71%13.14%26.93%31.48%12.75%13.58%17.64%12.32%24.72%2.73%0.1%-10.89% Trend Variance after rebates 24.19%29.35%11.14%15.73%14.22%19.00% Jan 2019 -Mar 2019 Jan 2019 -Mar 2019 5,104 10,758 3,688 $3,489,683 $2,642,051 $847,632 $108.09 $81.82 $46.69 $35.13 0.72 88.81%11.76% Rebates $759,764 $759,764 Totals after Rebates $2,729,919 $1,882,287 $84.56 $58.29 $39.83 $18.46 Jan 2020 -Mar 2020 1/1/2020 5,649 11,989 4,190 $1,179,504 $834,873 $344,630 $98.38 $69.64 $30.47 $39.17 0.74 89.98%10.85% 2/1/2020 5,638 11,961 4,052 $1,451,500 $1,131,093 $320,407 $121.35 $94.57 $54.27 $40.30 0.70 88.93%9.27% 3/1/2020 5,727 12,104 4,275 $1,798,572 $1,507,920 $290,652 $148.59 $124.58 $72.59 $51.99 0.78 87.96%11.20% Totals 5,671 12,018 4,172 $4,429,576 $3,473,887 $955,689 $122.78 $96.26 $52.44 $43.82 0.74 88.93%10.48% Rebates $1,039,191 $1,039,191 Totals after rebates $3,390,385 $2,434,696 $93.97 $67.46 $45.49 $21.96 •Paid claims PMPM are up 17.64% over previous reporting period. The numbers above do not include rebates estimated or receive d unless otherwise noted. •Specialty cost are up on a PMPM basis, however, accounts for 54.5% of Sample Client’s total net cost. •The GDR did increase to 88.93% which is higher than the national trend of 86.40% •All calculations do not take into account any rebates estimated or received unless otherwise noted. Rebates outlined in this report are based on projected rebates. Trend & Plan Cost Analysis: Navigating Your Monthly Claims Sample ClientReport Date: Jan 2020 -Mar 2020 Plan Cost (before projected rebates) without Hemlibra $ 3,299,110 $91.50 PMPM Plan Cost (after projected rebates) without Hemlibra $ 2,359,919 $65.45 PMPM 8.8K 8.4K 9.4K8.2K 7.3K 7.7K $ $50 $100 $150 $200 2.0K 4.0K 6.0K 8.0K 10.0K Jan Feb Mar You are 34.54%above the National Average National Average $97.12 before Projected Rebates National Average 8.8K 8.2K 9.2K8.1K 7.2K 7.6K $ $20 $40 $60 $80 2.0K 4.0K 6.0K 8.0K 10.0K Jan Feb Mar National Average 87 139 1639796 104 $ $1.0K $2.0K $3.0K $4.0K $5.0K $6.0K 50 100 150 200 Jan Feb Mar Jan 2020 -Mar 2020 Claim Count Jan 2019 -Mar 2019 Claim Count Jan 2020 -Mar 2020 Plan Cost Per Claim before Projected Rebates Jan 2020 -Mar 2020 Plan Cost Per Claim after Projected Rebates Jan 2020 -Mar 2020 Plan Cost Per Claim National Average TOTAL Plan Cost Per Claim $130.66 [14.6%] before Projected Rebates $91.57 [12.69%] with Projected Rebates SPECIALTY Plan Cost Per Claim $4,866.27 [-4.1%] before Projected Rebates $4,221.86 [-2.51%] with Projected Rebates NON SPECIALTY Plan Cost Per Claim $60.34 [21.6%] before Projected Rebates $30.25 [16.03%] with Projected Rebates •Variances are rate of increase/decrease from Jan 2020 -Mar 2020 to Jan 2019 -Mar 2019. Which is noted in parentheses [ ##.#% ] •All calculations do not take into account any rebates estimated or received unless otherwise noted. You are 21.47%above the National Average $4,006.10 before Projected Rebates You are 11.05%above the National Average $54.34 before Projected Rebates Trend & Plan Cost Analysis: Measuring Claims Utilization Overall, Specialty, Non Specialty Sample ClientReport Date: Jan 2020 -Mar 2020 $834.9K $1.1M $1.5M$837.5K $803.7K $1.0M $ $20 $40 $60 $80 $100 $120 $140 $ $500.0K $1.0M $1.5M $2.0M Jan Feb Mar TOTAL Plan Cost PMPM $96.26 [17.64%] before Projected Rebates $67.46 [15.73%] with Projected Rebates You are 1.65%below the National Average National Average $97.88 before Projected Rebates SPECIALTY Plan Cost PMPM $52.44 [12.32%] before Projected Rebates $45.49 [14.22%] with Projected Rebates You are 35.72%above the National Average National Average $38.64 before Projected Rebates $469.6K $482.0K $629.3K$377.1K $342.9K $414.3K $ $10 $20 $30 $40 $50 $60 $ $100.0K $200.0K $300.0K $400.0K $500.0K $600.0K $700.0K Jan Feb Mar NON SPECIALTY Plan Cost PMPM $43.82 [24.72%] before Projected Rebates $21.96 [19.00%] with Projected Rebates You are 23.26%below the National Average National Average $57.10 before Projected Rebates $365.3K $649.1K $878.6K$460.4K $460.9K $586.5K $ $20 $40 $60 $80 $ $200.0K $400.0K $600.0K $800.0K $1.0M Jan Feb Mar Jan 2020 -Mar 2020 Plan Cost Jan 2019 -Mar 2019 Plan Cost Jan 2020 -Mar 2020 Plan Cost PMPM before Projected Rebates Jan 2020 -Mar 2020 Plan Cost PMPM after Projected Rebates Jan 2020 -Mar 2020 Plan Cost PMPM National Average Trend & Plan Cost Analysis: Measuring PMPM Plan Cost Impact Overall, Specialty, Non Specialty Sample ClientReport Date: Jan 2020 -Mar 2020 •Variances are rate of increase/decrease from Jan 2020 -Mar 2020 to Jan 2019 -Mar 2019. Which is noted in parentheses [ ##.#% ] •All calculations do not take into account any rebates estimated or received unless otherwise noted. Plan Cost Plan Cost PMPM by Drug Type $2.9M $580.6K Brand Generic Jan 2020 -Mar 2020 Jan 2019 -Mar 2019 Variance Drug Type Plan Cost Plan Cost %Plan Cost PMPM % of Claims # of Claims Plan Cost*Plan Cost PMPM* Plan Cost Variance % Ingredient Cost Variance % Brand $2,893,303 83.29%$80.16 11.07%2,942 $2,266,325 $70.19 27.66%24.29% Generic $580,583 16.71%$16.10 88.93%23,645 $375,726 $11.64 54.52%40.46% •PMPM is based on the average monthly member count (12,018) •Variances are rate of increase/decrease from Jan 2019 -Mar 2019 to Jan 2020 -Mar 2020 •All calculations do not take into account any rebates estimated or received. •* Denotes Jan 2019 -Mar 2019 data Trend & Plan Cost Analysis: Understanding Brand/Generic Influence Sample ClientReport Date: Jan 2020 -Mar 2020 Plan Cost Plan Cost PMPM by Channel $268.7K $754.2K $558.0K $1.9M Mail Maintenance Choice Retail Specialty Jan 2020 -Mar 2020 Jan 2019 -Mar 2019 Variance Channel Plan Cost Plan Cost %Plan Cost PMPM % of Claims # of Claims Plan Cost*Plan Cost PMPM* Plan Cost Variance % Ingredient Cost Variance % Mail $268,692 7.73%$7.45 10.48%2,786 $228,651 $7.08 17.51%10.40% Maintenance Choice $754,225 21.71%$20.91 26.71%7,101 $556,580 $17.24 35.51%40.40% Retail $557,991 16.06%$15.47 61.35%16,311 $349,102 $10.81 59.84%37.96% Specialty $1,892,980 54.49%$52.44 1.46%389 $1,507,718 $46.69 25.55%20.77% Trend & Plan Cost Analysis: Understanding Channel Influence Sample ClientReport Date: Jan 2020 -Mar 2020 •PMPM is based on the average monthly member count (12,018) •Variances are rate of increase/decrease from Jan 2019 -Mar 2019 to Jan 2020 -Mar 2020 •All calculations do not take into account any rebates estimated or received. •* Denotes Jan 2019 -Mar 2019 data $1.6M $1.9M Non Specialty Specialty Plan Cost Plan Cost PMPM Jan 2020 -Mar 2020 Jan 2019 -Mar 2019 Variance Specialty Plan Cost Plan Cost %Plan Cost PMPM % of Claims # of Claims Utilization Utilization %Plan Cost*Plan Cost PMPM*Utilization*Utilization %* Plan Cost Variance % Ingredient Cost Variance % Non Specialty $1,580,907 45.51%$43.82 98.54%26,198 7,158 57.63%$1,134,333 $35.13 6,365 57.10%39.37%33.96% Specialty $1,892,980 54.49%$52.44 1.46%389 159 1.28%$1,507,718 $46.69 133 1.19%25.55%20.77% Trend & Plan Cost Analysis: Understanding Specialty Influence Sample ClientReport Date: Jan 2020 -Mar 2020 •PMPM is based on the average monthly member count (12,018) •Variances are rate of increase/decrease from Jan 2019 -Mar 2019 to Jan 2020 -Mar 2020 •All calculations do not take into account any rebates estimated or received. •* Denotes Jan 2019 -Mar 2019 data 60% 70% 80% 90% $ $500.0K $1.0M $1.5M $2.0M Jan 2020 Feb 2020 Mar 2020 Member Cost Plan Cost Plan Cost % Cost Breakdown Dependent Employee Total Members 1 6,554 5,866 12,420 Utilizers 1 3,125 3,789 6,914 % Utilizers 47.7%64.6%55.7% Plan Cost $1,490,328 $1,983,559 $3,473,887 Member Cost $482,274 $473,416 $955,689 High Cost Utilizers Jan 2020 -Mar 2020 Jan 2019 -Mar 2019 Variance Utilizers Plan Cost Utilizers Plan Paid Per Utilizers % Utilizers % Paid Utilizers Plan Paid Per Utilizers % Utilizers % Paid Plan Cost Plan Paid Per Utilizers All Utilizers 6,914 $502.44 100.00%100.00%6,177 $427.72 100.00%100.00%31.48%17.47% Utilizers Plan Cost > $5,000 123 $17,345.89 1.78%61.42%93 $16,811.23 1.51%59.18%36.46%3.18% $ 0 -$ 5,000 6,791 $197.37 98.22%38.58%6,084 $177.29 98.49%40.82%24.27%11.33% $ 5,001 -$ 10,000 56 $6,806.21 0.81%10.97%47 $7,038.50 0.76%12.52%15.22%-3.30% $ 10,001 -$ 20,000 36 $13,845.05 0.52%14.35%26 $14,506.09 0.42%14.28%32.15%-4.56% $ 20,001 -$ 50,000 27 $30,416.91 0.39%23.64%16 $26,686.63 0.26%16.16%92.34%13.98% $ 50,001 -$ 75,000 1 $63,565.12 0.01%1.83%2 $58,271.99 0.03%4.41%-45.46%9.08% $ 75,001 -$ 100,000 2 $79,692.05 0.03%4.59%1 $75,443.81 0.02%2.86%111.26%5.63% > $100,000 1 $209,768.62 0.01%6.04%1 $236,502.94 0.02%8.95%-11.30%-11.30% •1Utilizers & Member counts are total over the reporting period and not monthly averages. •Variances are rate of increase/decrease from Jan 2019 -Mar 2019 to Jan 2020 -Mar 2020 •All calculations do not take into account any rebates estimated or received. Trend & Plan Cost Analysis: Understanding Your High Cost Utilizers Sample ClientReport Date: Jan 2020 -Mar 2020 Sample ClientAccruals & Employee Contributions ReportCurrent Plan Year: January 20xx through December 20xxProjection Plan Year: January 20xx through December 20xx Sample Client2021 Self-Funded Accruals Analysis(A) EnrollmentA1. PPO PlanA2. HSA PlanA3. Other Plan #1A4. Other Plan #2A5. Other Plan #3A6. Total Employee EnrollmentA7. Total Member Enrollment(B) Current LiabilitiesB1. 2020 Fully Insured Premium - AnnualizedB2.2020 HRA Utilization - AnnualizedB3. 2020 Total LiabilityB4. 2021 Fully Insured Premium Renewal - AnnualizedB5.2021 HRA Utilization - Assumed Same As 2020B6. 2021 Total Liability(C) Fixed CostsPEPMAnnualizedC1.$31.30$204,000C2.$63.00$410,500C3.$4.22$27,500C4.$0.00$0C5.$0.00$0C6.$0.00$0C7.HMA AdministrationSun Life Individual Stop Loss Premium Sun Life Aggregate Stop Loss Premium Fees (can be built in if desired) HSA Funding (can be built in if desired) Other Fixed Costs #1Total Fixed Costs for 2021 Accruals$98.52$642,000(D) Variable CostsPEPMAnnualizedD1. Sun Life Expected Claims$498.47$3,248,000D2. Sun Life Maximum Claims$623.09$4,060,100D3. 2021 HRA Utilization - Removed for 2021$0.00$0D4. Other Variable Costs #1$0.00$0D5.Other Variable Costs #2$0.00$0D6. Recommended Claims for Accruals (Target 18% Year-End Claims Reserve)$591.94$3,857,100543820$4,255,200$145,100$4,400,300$4,660,800$145,100$4,805,900419124n/an/an/a Sample Client2021 Self-Funded Accruals Analysis(E) Total Annual Projection for Accrual RatesPEPMAnnualizedE1. Fixed Costs$98.52$642,000E2.Claims$591.94$3,857,100E3. Total Annual Projection for Accrual Rates$690.46 $4,499,100(F) Accrual Relativities & Tier RatiosF1. PPO PlanF2. HSA PlanF3. Other Plan #1F4. Other Plan #2F5. Other Plan #3F6. Employee OnlyF7. Employee Plus SpouseF8. Employee Plus Child(ren)F9. Employee Plus Family(G) 2021 Accrual RatesEnrolled2021 Monthly AccrualsG1. HSA PlanEE Only91$483.00EE + SP11$1,014.00EE + CH(N)9$894.00FAM13$1,425.00Total Monthly124 $81,700Total Annual$980,400G2. PPO PlanEE Only311 $538.00EE + SP17 $1,130.00EE + CH(N)64 $995.00FAM27$1,587.00Total Monthly419 $293,100Total Annual$3,517,200G3. Total Monthly543 $374,800Total Annual (Difference from E3 Due to Rounding)$4,497,600(H) 2021 Year-End ExpectationsH1. Total Accruals (G3)H2.Expected Costs (C7 + D1 +D3)H3. 2021 Year-End Expected SurplusH4. Expected Surplus % of Expected Claims18.7%$3,890,000$607,6001.0000.897$4,497,6002.95n/an/an/a1.002.101.85 Sample Client2021 Employee Contributions Analysis(I) 2021 Savings ExpectationsI1. 2021 Fully Insured Premium Renewal + HRA (B6)$4,805,900I2. 2021 Total Accruals (H1)$4,497,600I3. 2021 Booked Savings Estimate $308,300I4. 2021 Fully Insured Premium Renewal + HRA (B6)$4,805,900I5. 2021 Total Expected Costs (H2)$3,890,000I6. 2021 Expected Savings Estimate$915,900I7. 2021 Fully Insured Premium Renewal + HRA (B6)$4,805,900I8. 2021 Total Maximum Costs (C7 + D2)$4,702,100I9. 2021 Minimum Savings Estimate$103,800(J) Employee Contributions - Scenario DescriptionsJ1.Scenario 1:Round per pay period payroll deductions down to the nearest $10 increment (for optics)J2.Scenario 2:Lower PPO deductions to share in savingsJ3.Scenario 3:Scenario 2, plus add $10 per pay period deduction to PPO Employee Only coverage tier J4.Scenario 4:Scenario 3, plus add $30 per pay period HSA seed to non-single coverage tiers(K) Employee Contributions - All Amounts Are Per Pay PeriodK1. PPO PlanCurrent Enrolled20202021 - Scenario 12021 - Scenario 22021 - Scenario 32021 - Scenario 4Employee Only311$0.00$0.00$0.00$10.00$10.00Employee Plus Spouse17$239.52$230.00$180.00$180.00$180.00Employee Plus Child(ren)64$150.43$150.00$120.00$120.00$120.00Employee Plus Family27$389.95$380.00$300.00$300.00$300.00Total Annual419 $629,900 $618,000 $489,800 $570,700 $570,700K2. HSA PlanCurrent Enrolled20202021 - Scenario 12021 - Scenario 22021 - Scenario 32021 - Scenario 4Employee Only91-$30.00-$30.00-$30.00-$30.00-$30.00Employee Plus Spouse11$138.46$130.00$130.00$130.00$100.00Employee Plus Child(ren)9$92.31$90.00$90.00$90.00$60.00Employee Plus Family13$230.77$230.00$230.00$230.00$200.00Total Annual124 $68,200 $65,000 $65,000 $65,000 $39,300K3. Total Annual Employee Contributions543$698,100$683,000$554,800$635,700$610,0002021 - $ Change-$15,100 -$143,300 -$62,400 -$88,1002021 - % Change-2.2% -20.5% -8.9% -12.6%(L) Benchmarks - Adjusted to 26 Pay PeriodsAnnual MedianDeductible / HSA Seed2020 Payroll Deductions10-499 EmployeesPayroll Deductions500-999 EmployeesPayroll DeductionsWestPayroll DeductionsFinancial ServicesPayroll DeductionsL1. PPO | Employee Only$750 / None$0.00$108.46$78.46$69.69$75.23L2. PPO | Composite Family$1,500 / None$224.33$311.08$296.31$269.54$276.46L3. HSA | Employee Only$2,000 / $500$0 (no HSA)$60.00$40.15$37.38$41.08L4. HSA | Composite Family$4,000 / $1,000$162.24$270.00$175.85$149.54$186.92 Sample ClientSelf-Funded Cost ProjectionAssumptions & CaveatsItem1234DescriptionAll fixed cost information provided by HMA and Sun LifeMaximum and expected claims expectations provided by Sun LifeHMA's fees include claims administration, network access, care management, Rx carve-out fees, fiduciary services, nurseline, and MDLive (full suite)Benchmarks based on 2019 National Survey Executive Affordability Scorecard Prior Period: 9/1/20xx - 8/31/20xx Current Period: 9/1/20xx - 8/31/20xx Current Period Claims processed through 9/30/20xx UnitedHealthcare Norm Executive Affordability Scorecard • Contents - Demographic Summary - Claim Cost Sharing - High Cost Claimants - Cost Savings Overview - Claim Costs by Category - Network Utilization Overview - Managed Pharmacy - Glossary 2 Executive Affordability Scorecard Demographics, Cost Sharing and High Cost Claimants Demographic Summary Prior Period Current Period Change UnitedHealthcare Norm Variance Subscribers 643 739 15.0%N/A N/A Members 1,182 1,313 11.1%N/A N/A Contract Size 1.84 1.78 -3.4%1.83 -2.9% Unique Claimants 1,184 1,275 7.7%N/A N/A % of Members Utilizing the Plan 100.1% 97.1% -3.0%97.5% -0.4% Average Family Size 3.3 3.2 -3.0%3.2 0.0% Demographic Factor 0.967 0.978 1.1%1.074 -9.0% Claim Cost Sharing Prior Period Current Period Change UnitedHealthcare Norm Variance Employer Cost $3,932,386 $4,463,268 13.5%N/A N/A Employee Cost $888,443 $1,032,402 16.2%N/A N/A Employer Cost Sharing 81.6% 81.2% -0.4%84.2% -3.0% High Cost Claimants (>=$50K) Prior Period Current Period Change UnitedHealthcare Norm Variance Number of Claimants 9 12 33.3%N/A N/A Net Paid Per Claimant $177,161 $166,356 -6.1%$122,900 35.4% Net Paid PMPM $112.37 $126.68 12.7%$113.37 11.7% % of Total Net Paid 40.5%44.7%4.2%38.5%6.2% Impact of High Cost Cases 0% 20% 40% 60% 80% 100% Prior Period Current Period UnitedHealthcare Norm 40.5% 44.7% 38.5% 59.5% 55.3% 61.5% Catastrophic Non-Catastrophic Employer Cost Sharing 0% 20% 40% 60% 80% 100% 81.6%81.2%84.2% Prior Period Current Period UnitedHealthcare Norm 3 Executive Affordability Scorecard Cost Management Overview Cost Savings Overview Totals Totals Per Claimant Prior Period Current Period Change Prior Period Current Period Change UnitedHealthcare Norm Variance Submitted Charges $13,451,485$16,041,741 19.3% $10,900.72$12,143.63 11.4% $10,026.94 21.1% Savings Due to Ineligible Charges $1,628,527 $1,668,606 2.5%$1,319.71 $1,263.14 -4.3%$1,041.00 21.3% Eligible Charges $11,822,958$14,373,135 21.6% $9,581.00$10,880.50 13.6% $8,985.94 21.1% Savings Due to Discounts $6,284,760 $8,535,657 35.8%$5,093.00 $6,461.51 26.9%$4,781.59 35.1% Covered Amount $5,538,198 $5,837,478 5.4% $4,488.00 $4,418.98 -1.5% $4,200.93 5.2% Savings due to Deductibles $443,913 $625,630 40.9%$359.74 $473.60 31.7%$362.82 30.5% Savings due to Coinsurance $250,893 $183,848 -26.7%$203.32 $139.17 -31.5%$180.12 -22.7% Savings due to Copays $193,637 $222,924 15.1%$156.92 $168.75 7.5%$109.17 54.6% Gross Payable $4,649,755 $4,805,076 3.3% $3,768.03 $3,637.45 -3.5% $3,547.97 2.5% Other Savings $717,369 $341,808 -52.4%$581.34 $258.75 -55.5%$80.15 222.8% Net Paid $3,932,386 $4,463,268 13.5% $3,186.70 $3,378.70 6.0%$3,467.83 -2.6% Net Paid PMPM $277.14 $283.24 2.2%N/A N/A N/A N/A N/A Distribution of Charges 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Prior Period Current Period UnitedHealthcare Norm 29% 28% 35% 12% 10% 10% 47% 53% 48% 7% 6% 7% 5% 3% 0% Employer Cost Ineligible Discounts Employee Cost Other Savings Distribution of Charges - Current Period 28% Employer Cost 6% Employee Cost 66% Savings 4 Executive Affordability Scorecard Costs By Category, Network Utilization Claim Costs by Category Prior Period Current Period Change UnitedHealthcare Norm Variance Net Paid PMPM Net Paid PMPM PMPM PMPM PMPM Inpatient Facility $1,439,269 $101.44 $1,454,798 $92.32 -9.0%$75.51 22.3% Emergency Room $426,165 $30.03 $493,757 $31.33 4.3%$20.08 56.0% Other Outpatient Facility $974,474 $68.68 $1,354,375 $85.95 25.1%$91.17 -5.7% Primary Care Physician $275,948 $19.45 $296,147 $18.79 -3.4%$18.04 4.2% OB/GYN $119,877 $8.45 $133,771 $8.49 0.5%$6.78 25.3% Specialist $629,770 $44.38 $673,849 $42.76 -3.7%$51.28 -16.6% Allied Health $66,200 $4.67 $55,541 $3.52 -24.5%$8.52 -58.6% Pharmacy $628,377 $44.29 $919,675 $58.36 31.8%$53.73 8.6% Network Utilization Overview Prior Period Current Period Change UnitedHealthcare Norm Variance Eligible Facility Expenses Paid In-Network 95.7% 98.4% 2.7%96.8% 1.6% Eligible Physician Expenses Paid In-Network 96.8%96.2%-0.7%95.0%1.2% Average UHC Network Provider Discount 57.5% 60.5% 3.0%55.1% 5.4% Total Discount PMPM $442.93 $541.67 22.3%$405.69 33.5% Net Paid PMPM by Category $0 $50 $100 $150 $200 $250 $300 $350 Allied Health Inpatient Facility Other Outpatient Facility Specialist Emergency Room OB/GYN Primary Care Physician Pharmacy Prior Period Current Period UnitedHealthcare Norm Total Expenses Paid In-Network 0% 20% 40% 60% 80% 100%95.4%97.7%96.0% Prior Period Current Period UnitedHealthcare Norm 5 Executive Affordability Scorecard Managed Pharmacy Managed Pharmacy Overview Prior Period Current Period Change UnitedHealthcare Norm Variance Number of Claimants 988 1,047 6.0%N/A N/A Number of Prescriptions 9,604 10,787 12.3%N/A N/A Prescriptions per Claimant 9.72 10.30 6.0%11.14 -7.5% Net Paid Per Claimant $635.32 $877.41 38.1%$1,033.70 -15.1% Prescriptions PMPY 8.12 8.21 1.1%9.30 -11.6% Net Paid PMPM $44.24 $58.30 31.8%$71.90 -18.9% Net Paid Per Prescription $65.36 $85.16 30.3%$92.82 -8.3% Average Copay Per Prescription $15.61 $11.03 -29.3%$12.95 -14.9% Managed Pharmacy by Delivery Method and Tier - Current Period Retail Home Delivery Retail and Home Number of Prescriptions Prescriptions PMPY Average Net Paid Per Prescription Average Net Paid PMPM Tier One 8,548 6.51 $10.68 $5.79 Tier Two 1,319 1.00 $397.33 $33.26 Tier Three 790 0.60 $369.72 $18.54 Total 10,657 8.12 $85.15 $57.59 Tier One 105 0.08 $11.19 $0.07 Tier Two 10 0.01 $116.72 $0.07 Tier Three 15 0.01 $591.44 $0.56 Total 130 0.10 $86.26 $0.71 Combined Total 10,787 8.21 $85.16 $58.30 Net Paid PMPM $0 $20 $40 $60 $80 $100 $120 $44.24 $58.30 $71.90 Prior Period Current Period UnitedHealthcare Norm Prescriptions By Tier-Current Period 12% Tier 2 ... 8% Tier 3 ... 80% Tier 1 ... 6 Executive Affordability Scorecard Glossary Allied Health non-physician health care practitioners such as dentists, optometrists, chiropractors, podiatrists, mental health professionals, and nurses. Equivalent to Allied Health in Health Care Cost Category Detail. Average Family Size the estimated number of people covered by any one subscriber with dependent coverage. The calculation is: [Number of Subscribers with Dependents + Number of Dependents] ÷ Number of Subscribers with Dependents. Average UHC Network Provider Discount discounts as a percent of the eligible amount for Contracted, National PPO and National Ancillary providers. Category (Claim Costs)method of segregating claim costs based on Health Care Cost Category and Service Type Summary. Catastrophic high cost claims, e.g. claims greater than or equal to $50,000. Contract Size the number of members divided by the number of subscribers. Demographic Factor a ratio that illustrates the degree of variance from the mean (1.0) in regards to the impact that the age and gender distribution of the selected population is likely to have on overall health care expenses paid by the plan. Eligible Facility Expenses Paid In-Network the amount remaining from a submitted charge for facility services (equivalent to Facility in Provider Type Category) covered at a network benefit level equal to UHG Network + Customer Network + Neutral after all expenses not covered by the health plan have been removed. Eligible Physician Expenses Paid In-Network the amount remaining from a submitted charge for physician services (equivalent to Professional in Provider Type Category) covered at a network benefit level equal to UHG Network + Customer Network + Neutral after all expenses not covered by the health plan have been removed. Employee Cost the total expenses (i.e. deductibles, coinsurance, and copay) subscribers pay toward health care claims. Employer Cost the number of dollars paid by the plan after excluding any plan provisions (i.e., discounts, employee cost, and other savings)., i.e. Net Paid. Employer Cost Sharing proportion of the dollars paid by the plan after excluding any plan provisions in relation to the sum of Employee Cost and Employer Cost. Home Delivery pharmaceutical orders filled via fax, mail or the Internet and delivered via a postal carrier (usually for maintenance drugs). Managed Pharmacy coverage for pharmaceuticals under a UnitedHealthcare plan of benefits that channels utilization to types of drugs and submission methods that are designed to be cost effective. Medical Pharmacy a medical benefit for pharmaceuticals purchased under the medical plan (e.g., medications given during an inpatient hospitalization). Non-Catastrophic non-high cost claims, e.g. claims less than $50,000. Other Outpatient Facility a building or place where health care services are provided (excluding emergency room) that does not require admission. Equivalent to Facility Outpatient in Health Care Cost Category Detail minus Emergency Room in Service Type Summary. Other Savings costs paid by another insurance carrier, according to a coordination of benefits (COB) arrangement. Also included in this category are provider sanctions, claims withholding and identified overpayments. Pharmacy coverage for pharmaceuticals, includes both Medical Pharmacy and Managed Pharmacy. Equivalent to Medical Pharmacy plus Managed Pharmacy in Health Care Cost Category Detail. Prescription Tier indicates if a pharmaceutical order was filled with a drug on the prescription drug list. Consists of 4 Tiers, see eCR glossary for further details. Primary Care Physician a physician providing basic or general care. Includes family practitioners, pediatricians, and internal medicine practitioners. Equivalent to Primary Care in Health Care Cost Category Detail. Retail a pharmaceutical order (i.e. prescription) presented for fulfillment at a local pharmacy establishment. Specialist a physician providing care in a distinct branch of medicine, e.g. Cardiology, Orthopedics, etc. Equivalent to Specialty in Health Care Cost Category Detail. Unique Claimants number of unique members who submitted at least one eligible claim during the reporting period. UnitedHealthcare Norm aggregated values based on UnitedHealthcare's book of business that are used to provide a comparison. 7 Health Plan Budget Monitoring Report ABC Company 2020 Plan Year | Data Through February 2020 This executive summary focuses on the medical/Rx plans only; additional detail for other self-funded plans is included in this report The 2019 year-end loss ratio was 82.8%, resulting in a surplus of approximately $2.4M In 2019, no claimants that have exceeded the $250,000 specific stop loss deductible In 2020, the stop loss deductible increased to $300,000 per individual The 2020 plan year is immature for the merging population; as such, we expect a surplus in the first few months of the plan year The loss ratio in the medical plan for January/February 2020 was 74.7%, reflecting the immature experience versus our mature funding rates Dental, vision, short term disability, and other utilization information is provided in the body of this report 2017 Actual 2018 Actual 2019 Actual Total Actual Costs $9,993,220 $9,703,094 $11,516,965 Budget $11,424,643 $12,298,528 $13,903,727 Loss Ratio 87.5%78.9%82.8% Employee Contributions $1,700,455 $1,750,309 $2,077,448 Enrolled Employees 942 1,002 1,119 Total Actual Costs $10,607 $9,686 $10,290 Budget $12,126 $12,277 $12,422 Employee Contributions $1,805 $1,747 $1,856 * Actual costs are net of Rx rebates and stop loss reimbursements, and include employer HSA fundingPEPY(for graph)Aggregate$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $10,607 $9,686 $10,290 $12,126 $12,277 $12,422 $1,805 $1,747 $1,856 Total Actual Costs Budget Employee Contributions -9% +1% -3% +6% +1% +6% Executive Summary Highlights of this report: Your per employee per year (PEPY) costs over time: Medical Plans Summary Includes: All Business Units, All Plan Designs Medical Plans Note on Loss Ratios: Actual costs include all costs associated with the self- funded plans: Medical/Rx claims Administration Individual stop loss premium HSA Funding Budgeted costs are calculated off of HUB's recommended funding rates, which are shown in the back of this report Total Actual Cost vs. Budget Comparison $13,457,636 $16,372,112 $834 $1,014 $0 $200 $400 $600 $800 $1,000 $1,200 $0 $2,000,000 $4,000,000 $6,000,000 $8,000,000 $10,000,000 $12,000,000 $14,000,000 $16,000,000 $18,000,000 Total Actual Cost Budget Rolling 12 | Total Actual Cost vs. Budget Total PEPM Rolling 12 | March 2019 through February 2020 82.2% Loss Ratio ($2,914,476 surplus) Medical Plans Enrollment 546 222 109 101 368 Rolling 12 | Enrollment Employee Only Employee plus Spouse Employee plus Child Employee plus Child(ren) Employee plus Family $2,552,454 $10,905,183 Rolling 12 | 81.0% ER Share Employee Contributions Employer Actual Cost Cost Sharing Average Enrollment: 1345 2.29 Members Per Employee Rolling 12 | March 2019 through February 2020 Employee Plan Participation Notes and Observations: Employees have shared in approximately 19% of actual costs The average family size is approximately 2.29 members Medical Plans $- $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 | Monthly Financials Claims Fixed Costs Budget Maximum Claims 72% 26% 0%0%0% Rolling 12 | Claims Cost Components Medical Rx Vision Stop Loss Reimbursements Received Rx Rebates Cost Summary Rolling 12 | March 2019 through February 2020 Notes and Observations: Fixed costs amount to 19% of actual costs Typically Rx accounts for approximately 15 - 25% of claims Claims volatility is inherent in healthcare, particularly with large medical claimants The individual stop loss deductible is $300,000 per member in 2020 The 2020 plan year is immature for the merging population 27% 26% 47% Rolling 12 | Fixed Costs Components Administration ISL Premium HSA funding81% 19% Rolling 12 | Plan Cost Components Claims Fixed Costs Medical Plans Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 420 424 436 432 426 439 448 452 461 473 1,074 1,067 546 407 34.1% Employee plus Spouse 181 184 182 183 189 190 190 192 192 190 393 394 222 158 40.4% Employee plus Child 92 93 90 89 92 93 92 94 92 92 193 195 109 86 27.1% Employee plus Child(ren)82 84 82 82 84 85 89 91 92 93 171 172 101 73 38.4% Employee plus Family 324 323 325 321 318 322 326 329 328 331 584 588 368 301 22.3% Total Enrollment 1,099 1,108 1,115 1,107 1,109 1,129 1,145 1,158 1,165 1,179 2,415 2,416 1,345 1,025 31.3% Members 2,590 2,600 2,602 2,580 2,595 2,629 2,667 2,704 2,708 2,729 5,308 5,325 3,086 2,396 28.8% Claims Medical 506,947$ 603,319$ 481,067$ 504,746$ 590,303$ 365,814$ 474,413$ 741,894$ 793,388$ 680,627$ 839,254$ 1,500,151$ 8,081,924$ 5,572,881$ 45.0% Rx 178,817$ 206,177$ 214,007$ 250,368$ 217,227$ 246,439$ 271,238$ 275,347$ 221,687$ 270,830$ 261,230$ 331,953$ 2,945,321$ 2,248,382$ 31.0% Vision 170$ -$ 177$ -$ -$ 89$ 94$ 162$ -$ 113$ 100$ 144$ 1,050$ 609$ 72.4% Stop Loss Reimbursements Received -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ (31,585)$ -100.0% Rx Rebates (10,205)$ (11,200)$ (11,500)$ (12,250)$ (11,975)$ (12,650)$ (15,780)$ (14,965)$ (12,160)$ (14,930)$ (13,743)$ (14,038)$ (155,396)$ (131,630)$ 18.1% Claims 675,730$ 798,296$ 683,752$ 742,864$ 795,556$ 599,692$ 729,965$ 1,002,437$ 1,002,915$ 936,640$ 1,086,841$ 1,818,211$ 10,872,898$ 7,658,658$ 42.0% PEPM 615$ 720$ 613$ 671$ 717$ 531$ 638$ 866$ 861$ 794$ 450$ 753$ 673$ 623$ 8.1% PMPM 261$ 307$ 263$ 288$ 307$ 228$ 274$ 371$ 370$ 343$ 205$ 341$ 294$ 266$ 10.2% Maximum Claims -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PEPM -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PMPM -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Fixed Costs Administration 48,081$ 48,475$ 48,781$ 48,431$ 48,519$ 49,394$ 50,094$ 50,663$ 50,969$ 51,581$ 109,134$ 109,179$ 713,300$ 518,640$ 37.5% ISL Premium 50,565$ 50,979$ 51,301$ 50,933$ 51,025$ 51,945$ 52,681$ 53,280$ 53,602$ 54,246$ 71,605$ 71,634$ 663,796$ 709,308$ -6.4% HSA funding 95,708$ 95,533$ 94,017$ 93,050$ 92,467$ 93,825$ 94,067$ 94,792$ 94,692$ 94,617$ 132,108$ 132,767$ 1,207,642$ 1,110,733$ 8.7% Fixed Costs 194,355$ 194,987$ 194,099$ 192,414$ 192,011$ 195,164$ 196,842$ 198,734$ 199,262$ 200,444$ 312,847$ 313,580$ 2,584,738$ 2,338,682$ 10.5% PEPM 177$ 176$ 174$ 174$ 173$ 173$ 172$ 172$ 171$ 170$ 130$ 130$ 160$ 190$ -15.8% PMPM 75$ 75$ 75$ 75$ 74$ 74$ 74$ 73$ 74$ 73$ 59$ 59$ 70$ 81$ -14.2% Totals Total Actual Cost 870,084$ 993,283$ 877,851$ 935,278$ 987,566$ 794,857$ 926,806$ 1,201,171$ 1,202,177$ 1,137,084$ 1,399,688$ 2,131,791$ 13,457,636$ 9,997,340$ 34.6% PEPM 792$ 896$ 787$ 845$ 891$ 704$ 809$ 1,037$ 1,032$ 964$ 580$ 882$ 834$ 813$ 2.5% PMPM 336$ 382$ 337$ 363$ 381$ 302$ 348$ 444$ 444$ 417$ 264$ 400$ 363$ 348$ 4.5% Budget 1,139,747$ 1,146,237$ 1,149,759$ 1,141,696$ 1,144,869$ 1,161,707$ 1,176,760$ 1,189,616$ 1,192,209$ 1,202,495$ 2,360,133$ 2,366,884$ 16,372,112$ 12,620,672$ 29.7% PEPM 1,037$ 1,035$ 1,031$ 1,031$ 1,032$ 1,029$ 1,028$ 1,027$ 1,023$ 1,020$ 977$ 980$ 1,014$ 1,027$ -1.2% PMPM 440$ 441$ 442$ 443$ 441$ 442$ 441$ 440$ 440$ 441$ 445$ 444$ 442$ 439$ 0.7% Loss Ratio 76.3%86.7%76.4%81.9%86.3%68.4%78.8%101.0%100.8%94.6%59.3%90.1%82.2%79.2% Employee Contributions 169,164$ 170,633$ 171,737$ 170,833$ 172,566$ 174,472$ 177,247$ 179,361$ 178,912$ 181,175$ 402,595$ 403,759$ 2,552,454$ 1,808,652$ 41.1% PEPM 154$ 154$ 154$ 154$ 156$ 155$ 155$ 155$ 154$ 154$ 167$ 167$ 158$ 147$ 7.5% PMPM 65$ 66$ 66$ 66$ 66$ 66$ 66$ 66$ 66$ 66$ 76$ 76$ 69$ 63$ 9.6% Employer Actual Cost 700,920$ 822,651$ 706,113$ 764,445$ 815,000$ 620,384$ 749,560$ 1,021,810$ 1,023,265$ 955,909$ 997,093$ 1,728,032$ 10,905,183$ 8,188,688$ 33.2% PEPM 638$ 742$ 633$ 691$ 735$ 549$ 655$ 882$ 878$ 811$ 413$ 715$ 675$ 666$ 1.4% PMPM 271$ 316$ 271$ 296$ 314$ 236$ 281$ 378$ 378$ 350$ 188$ 325$ 294$ 285$ 3.4% Rolling 12 | March 2019 through February 2020 $500 Deductible Plan Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 78 78 80 77 74 77 82 88 91 97 345 341 126 70 79.3% Employee plus Spouse 25 27 28 29 31 30 30 29 28 28 83 84 38 22 73.2% Employee plus Child 21 22 20 18 18 17 17 17 17 18 67 68 27 16 69.3% Employee plus Children 10 10 10 10 12 13 14 14 14 15 24 24 14 5 198.2% Employee plus Family 24 24 24 24 24 23 23 24 22 24 58 58 29 21 41.9% Total Enrollment 158 161 162 158 159 160 166 172 172 182 577 575 234 133 75.6% Members 311 317 318 311 318 317 324 333 328 346 993 993 434 256 69.8% Claims Medical 140,093$ 308,711$ 96,931$ 64,038$ 197,941$ 75,004$ 125,256$ 95,690$ 116,735$ 57,297$ 199,817$ 444,750$ 1,922,263$ 903,948$ 112.7% Rx 33,730$ 41,432$ 62,258$ 52,997$ 44,992$ 44,732$ 46,917$ 69,663$ 47,484$ 70,700$ 76,223$ 90,054$ 681,183$ 733,212$ -7.1% Vision 53$ -$ 53$ -$ -$ -$ -$ 162$ -$ -$ 100$ -$ 368$ -$ n/a Stop Loss Reimbursements Received -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Rx Rebates -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Claims 173,875$ 350,143$ 159,242$ 117,035$ 242,933$ 119,736$ 172,173$ 165,515$ 164,219$ 127,996$ 276,141$ 534,805$ 2,603,814$ 1,637,160$ 59.0% PEPM 1,100$ 2,175$ 983$ 741$ 1,528$ 748$ 1,037$ 962$ 955$ 703$ 479$ 930$ 929$ 1,026$ -9.4% PMPM 559$ 1,105$ 501$ 376$ 764$ 378$ 531$ 497$ 501$ 370$ 278$ 539$ 500$ 534$ -6.4% Maximum Claims -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PEPM -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PMPM -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Fixed Costs Administration 6,913$ 7,044$ 7,088$ 6,913$ 6,956$ 7,000$ 7,263$ 7,525$ 7,525$ 7,963$ 26,075$ 25,984$ 124,246$ 67,359$ 84.5% ISL Premium 7,270$ 7,408$ 7,454$ 7,270$ 7,316$ 7,362$ 7,638$ 7,914$ 7,914$ 8,374$ 17,108$ 17,049$ 110,073$ 91,864$ 19.8% Fixed Costs 14,182$ 14,451$ 14,541$ 14,182$ 14,272$ 14,362$ 14,900$ 15,439$ 15,439$ 16,336$ 43,183$ 43,033$ 234,320$ 159,222$ 47.2% PEPM 90$ 90$ 90$ 90$ 90$ 90$ 90$ 90$ 90$ 90$ 75$ 75$ 84$ 100$ -16.2% PMPM 46$ 46$ 46$ 46$ 45$ 45$ 46$ 46$ 47$ 47$ 43$ 43$ 45$ 52$ -13.4% Totals Total Actual Cost 188,057$ 364,595$ 173,783$ 131,218$ 257,205$ 134,098$ 187,073$ 180,954$ 179,658$ 144,333$ 319,323$ 577,838$ 2,838,133$ 1,796,383$ 58.0% PEPM 1,190$ 2,265$ 1,073$ 830$ 1,618$ 838$ 1,127$ 1,052$ 1,045$ 793$ 553$ 1,005$ 1,013$ 1,126$ -10.0% PMPM 605$ 1,150$ 546$ 422$ 809$ 423$ 577$ 543$ 548$ 417$ 322$ 582$ 545$ 586$ -7.0% Budget 142,550$ 145,736$ 146,630$ 144,730$ 147,524$ 146,462$ 150,262$ 154,173$ 151,044$ 159,705$ 471,349$ 471,070$ 2,431,234$ 1,428,912$ 70.1% PEPM 902$ 905$ 905$ 916$ 928$ 915$ 905$ 896$ 878$ 878$ 817$ 819$ 868$ 895$ -3.1% PMPM 458$ 460$ 461$ 465$ 464$ 462$ 464$ 463$ 461$ 462$ 475$ 474$ 467$ 466$ 0.2% Loss Ratio 131.9%250.2%118.5%90.7%174.3%91.6%124.5%117.4%118.9%90.4%67.7%122.7%116.7%125.7% Employee Contributions 38,909$ 39,860$ 40,177$ 39,924$ 41,016$ 40,554$ 41,442$ 42,295$ 41,100$ 43,393$ 135,887$ 135,994$ 680,552$ 372,885$ 82.5% PEPM 246$ 248$ 248$ 253$ 258$ 253$ 250$ 246$ 239$ 238$ 236$ 237$ 243$ 234$ 4.0% PMPM 125$ 126$ 126$ 128$ 129$ 128$ 128$ 127$ 125$ 125$ 137$ 137$ 131$ 122$ 7.5% Employer Actual Cost 149,148$ 324,734$ 133,606$ 91,293$ 216,189$ 93,543$ 145,632$ 138,659$ 138,557$ 100,939$ 183,436$ 441,844$ 2,157,581$ 1,423,498$ 51.6% PEPM 944$ 2,017$ 825$ 578$ 1,360$ 585$ 877$ 806$ 806$ 555$ 318$ 768$ 770$ 892$ -13.7% PMPM 480$ 1,024$ 420$ 294$ 680$ 295$ 449$ 416$ 422$ 292$ 185$ 445$ 414$ 464$ -10.8% Rolling 12 | March 2019 through February 2020 $1200 Deductible Plan Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 100 100 106 109 107 114 119 118 123 128 355 354 153 91 67.6% Employee plus Spouse 68 68 66 66 69 70 69 70 71 70 175 175 86 58 48.8% Employee plus Child 17 18 19 22 23 24 23 25 27 26 59 60 29 15 90.6% Employee plus Children 15 16 16 15 16 16 18 19 20 19 74 76 27 15 82.9% Employee plus Family 119 121 127 126 128 130 134 134 132 133 291 290 155 105 47.4% Total Enrollment 319 323 334 338 343 354 363 366 373 376 954 955 450 284 58.3% Members 793 809 838 843 862 883 910 920 925 926 2,306 2,310 1,110 698 59.0% Claims Medical 121,799$ 110,829$ 192,354$ 131,232$ 162,831$ 164,564$ 213,017$ 244,166$ 232,938$ 330,707$ 442,964$ 714,930$ 3,062,329$ 1,988,715$ 54.0% Rx 99,230$ 116,426$ 108,164$ 135,474$ 123,801$ 140,457$ 145,769$ 117,539$ 112,103$ 123,608$ 149,279$ 193,838$ 1,565,688$ 1,156,001$ 35.4% Vision -$ -$ 124$ -$ -$ 89$ 94$ -$ -$ 113$ -$ 144$ 565$ 609$ -7.3% Stop Loss Reimbursements Received -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Rx Rebates -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Claims 221,028$ 227,254$ 300,642$ 266,706$ 286,632$ 305,110$ 358,880$ 361,705$ 345,041$ 454,427$ 592,243$ 908,912$ 4,628,581$ 3,145,326$ 47.2% PEPM 693$ 704$ 900$ 789$ 836$ 862$ 989$ 988$ 925$ 1,209$ 621$ 952$ 857$ 922$ -7.0% PMPM 279$ 281$ 359$ 316$ 333$ 346$ 394$ 393$ 373$ 491$ 257$ 393$ 347$ 375$ -7.5% Maximum Claims -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PEPM -$ -$-$-$-$-$-$-$-$-$-$-$ -$ -$ n/a PMPM -$ -$-$-$-$-$-$-$-$-$-$-$ -$ -$ n/a Fixed Costs Administration 13,956$ 14,131$ 14,613$ 14,788$ 15,006$ 15,488$ 15,881$ 16,013$ 16,319$ 16,450$ 43,111$ 43,156$ 238,911$ 143,942$ 66.0% ISL Premium 14,677$ 14,861$ 15,367$ 15,551$ 15,781$ 16,288$ 16,702$ 16,840$ 17,162$ 17,300$ 28,286$ 28,316$ 217,131$ 196,473$ 10.5% Fixed Costs 28,633$ 28,992$ 29,980$ 30,339$ 30,788$ 31,775$ 32,583$ 32,852$ 33,480$ 33,750$ 71,397$ 71,472$ 456,042$ 340,415$ 34.0% PEPM 90$ 90$ 90$ 90$ 90$ 90$ 90$ 90$ 90$ 90$ 75$ 75$ 84$ 100$ -15.3% PMPM 36$ 36$ 36$ 36$ 36$ 36$ 36$ 36$ 36$ 36$ 31$ 31$ 34$ 41$ -15.8% Totals Total Actual Cost 249,662$ 256,247$ 330,622$ 297,045$ 317,420$ 336,885$ 391,463$ 394,557$ 378,521$ 488,177$ 663,640$ 980,384$ 5,084,624$ 3,485,741$ 45.9% PEPM 783$ 793$ 990$ 879$ 925$ 952$ 1,078$ 1,078$ 1,015$ 1,298$ 696$ 1,027$ 942$ 1,022$ -7.8% PMPM 315$ 317$ 395$ 352$ 368$ 382$ 430$ 429$ 409$ 527$ 288$ 424$ 382$ 416$ -8.3% Budget 369,968$ 375,140$ 387,173$ 388,207$ 395,885$ 405,086$ 414,832$ 417,881$ 420,712$ 422,291$ 1,024,203$ 1,024,584$ 6,045,963$ 3,933,473$ 53.7% PEPM 1,160$ 1,161$ 1,159$ 1,149$ 1,154$ 1,144$ 1,143$ 1,142$ 1,128$ 1,123$ 1,074$ 1,073$ 1,120$ 1,153$ -2.9% PMPM 467$ 464$ 462$ 461$ 459$ 459$ 456$ 454$ 455$ 456$ 444$ 444$ 454$ 469$ -3.3% Loss Ratio 67.5%68.3%85.4%76.5%80.2%83.2%94.4%94.4%90.0%115.6%64.8%95.7%84.1%88.6% Employee Contributions 66,797$ 67,757$ 69,772$ 69,713$ 71,260$ 72,692$ 74,393$ 74,948$ 75,190$ 75,312$ 180,799$ 180,873$ 1,079,505$ 708,700$ 52.3% PEPM 209$ 210$ 209$ 206$ 208$ 205$ 205$ 205$ 202$ 200$ 190$ 189$ 200$ 208$ -3.7% PMPM 84$ 84$ 83$ 83$ 83$ 82$ 82$ 81$ 81$ 81$ 78$ 78$ 81$ 85$ -4.2% Employer Actual Cost 182,865$ 188,490$ 260,850$ 227,332$ 246,160$ 264,193$ 317,070$ 319,610$ 303,331$ 412,865$ 482,841$ 799,512$ 4,005,119$ 2,777,040$ 44.2% PEPM 573$ 584$ 781$ 673$ 718$ 746$ 873$ 873$ 813$ 1,098$ 506$ 837$ 742$ 814$ -8.9% PMPM 231$ 233$ 311$ 270$ 286$ 299$ 348$ 347$ 328$ 446$ 209$ 346$ 301$ 331$ -9.3% Rolling 12 | March 2019 through February 2020 $2850 Deductible Plan Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 209 212 214 212 213 219 217 215 216 216 325 322 233 216 7.8% Employee plus Spouse 82 82 81 81 82 82 83 84 84 83 123 124 89 72 24.8% Employee plus Child 50 49 47 45 47 48 48 48 44 44 61 61 49 51 -3.4% Employee plus Children 55 56 54 55 54 54 55 56 56 56 71 70 58 52 11.8% Employee plus Family 171 168 164 162 157 160 160 162 165 165 217 222 173 165 4.4% Total Enrollment 567 567 560 555 553 563 563 565 565 564 797 799 602 555 8.3% Members 1,383 1,368 1,338 1,323 1,314 1,329 1,332 1,347 1,351 1,349 1,837 1,851 1,427 1,340 6.5% Claims Medical 240,766$ 181,401$ 189,403$ 308,291$ 228,326$ 118,654$ 131,464$ 396,756$ 271,748$ 289,815$ 186,568$ 313,616$ 2,856,808$ 2,586,870$ 10.4% Rx 44,907$ 47,732$ 42,996$ 60,750$ 47,661$ 59,727$ 77,992$ 85,869$ 60,664$ 74,098$ 34,872$ 46,624$ 683,891$ 353,566$ 93.4% Vision 118$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ 118$ -$ n/a Stop Loss Reimbursements Received -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Rx Rebates -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Claims 285,790$ 229,133$ 232,399$ 369,041$ 275,987$ 178,380$ 209,456$ 482,625$ 332,412$ 363,912$ 221,440$ 360,240$ 3,540,816$ 2,940,436$ 20.4% PEPM 504$ 404$ 415$ 665$ 499$ 317$ 372$ 854$ 588$ 645$ 278$ 451$ 491$ 441$ 11.2% PMPM 207$ 167$ 174$ 279$ 210$ 134$ 157$ 358$ 246$ 270$ 121$ 195$ 207$ 183$ 13.1% Maximum Claims -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PEPM -$ -$-$-$-$-$-$-$-$-$-$-$ -$ -$ n/a PMPM -$ -$-$-$-$-$-$-$-$-$-$-$ -$ -$ n/a Fixed Costs Administration 24,806$ 24,806$ 24,500$ 24,281$ 24,194$ 24,631$ 24,631$ 24,719$ 24,719$ 24,675$ 36,016$ 36,107$ 318,086$ 281,062$ 13.2% ISL Premium 26,088$ 26,088$ 25,766$ 25,536$ 25,444$ 25,904$ 25,904$ 25,996$ 25,996$ 25,950$ 23,631$ 23,690$ 305,990$ 384,995$ -20.5% HSA funding 92,500$ 92,200$ 90,600$ 89,800$ 89,300$ 90,700$ 90,900$ 91,500$ 91,400$ 91,200$ 126,900$ 127,600$ 1,164,600$ 1,073,900$ 8.4% Fixed Costs 143,394$ 143,094$ 140,866$ 139,617$ 138,937$ 141,235$ 141,435$ 142,214$ 142,114$ 141,825$ 186,547$ 187,397$ 1,788,675$ 1,739,957$ 2.8% PEPM 253$ 252$ 252$ 252$ 251$ 251$ 251$ 252$ 252$ 251$ 234$ 235$ 248$ 261$ -5.1% PMPM 104$ 105$ 105$ 106$ 106$ 106$ 106$ 106$ 105$ 105$ 102$ 101$ 104$ 108$ -3.4% Totals Total Actual Cost 429,184$ 372,227$ 373,264$ 508,658$ 414,924$ 319,615$ 350,891$ 624,840$ 474,526$ 505,737$ 407,988$ 547,637$ 5,329,492$ 4,680,393$ 13.9% PEPM 757$ 656$ 667$ 917$ 750$ 568$ 623$ 1,106$ 840$ 897$ 512$ 685$ 738$ 702$ 5.1% PMPM 310$ 272$ 279$ 384$ 316$ 240$ 263$ 464$ 351$ 375$ 222$ 296$ 311$ 291$ 7.0% Budget 589,208$ 585,943$ 575,664$ 570,739$ 564,315$ 573,362$ 574,433$ 578,930$ 581,821$ 580,643$ 801,476$ 808,649$ 7,385,182$ 6,820,224$ 8.3% PEPM 1,039$ 1,033$ 1,028$ 1,028$ 1,020$ 1,018$ 1,020$ 1,025$ 1,030$ 1,030$ 1,006$ 1,012$ 1,023$ 1,023$ 0.0% PMPM 426$ 428$ 430$ 431$ 429$ 431$ 431$ 430$ 431$ 430$ 436$ 437$ 431$ 424$ 1.7% Loss Ratio 72.8%63.5%64.8%89.1%73.5%55.7%61.1%107.9%81.6%87.1%50.9%67.7%72.2%68.6% Employee Contributions 61,854$ 61,326$ 60,099$ 59,614$ 58,708$ 59,558$ 59,744$ 60,364$ 60,866$ 60,715$ 82,919$ 83,989$ 769,756$ 707,741$ 8.8% PEPM 109$ 108$ 107$ 107$ 106$ 106$ 106$ 107$ 108$ 108$ 104$ 105$ 107$ 106$ 0.4% PMPM 45$ 45$ 45$ 45$ 45$ 45$ 45$ 45$ 45$ 45$ 45$ 45$ 45$ 44$ 2.2% Employer Actual Cost 367,330$ 310,901$ 313,165$ 449,044$ 356,216$ 260,058$ 291,147$ 564,476$ 413,660$ 445,022$ 325,069$ 463,648$ 4,559,736$ 3,972,652$ 14.8% PEPM 648$ 548$ 559$ 809$ 644$ 462$ 517$ 999$ 732$ 789$ 408$ 580$ 632$ 596$ 6.0% PMPM 266$ 227$ 234$ 339$ 271$ 196$ 219$ 419$ 306$ 330$ 177$ 250$ 266$ 247$ 7.8% Rolling 12 | March 2019 through February 2020 $6550 Deductible Plan Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 33 34 36 34 32 29 30 31 31 32 49 50 35 30 16.3% Employee plus Spouse 6 7 7 7 7 8 8 9 9 9 12 11 8 7 28.2% Employee plus Child 4 4 4 4 4 4 4 4 4 4 6 6 4 4 13.0% Employee plus Children 2 2 2 2 2 2 2 2 2 3 2 2 2 2 19.0% Employee plus Family 10 10 10 9 9 9 9 9 9 9 18 18 11 10 11.2% Total Enrollment 55 57 59 56 54 52 53 55 55 57 87 87 61 52 16.7% Members 103 106 108 103 101 100 101 104 104 108 172 171 115 102 13.0% Claims Medical 4,289$ 2,379$ 2,379$ 1,185$ 1,206$ 7,593$ 4,676$ 5,282$ 171,967$ 2,809$ 9,905$ 26,855$ 240,525$ 93,347$ 157.7% Rx 951$ 587$ 591$ 1,146$ 773$ 1,523$ 560$ 2,275$ 1,436$ 2,425$ 856$ 1,437$ 14,559$ 5,603$ 159.8% Vision -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Stop Loss Reimbursements Received -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Rx Rebates -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Claims 5,241$ 2,965$ 2,969$ 2,331$ 1,979$ 9,116$ 5,235$ 7,557$ 173,403$ 5,234$ 10,761$ 28,292$ 255,083$ 98,951$ 157.8% PEPM 95$ 52$ 50$ 42$ 37$ 175$ 99$ 137$ 3,153$ 92$ 124$ 325$ 351$ 159$ 120.9% PMPM 51$ 28$ 27$ 23$ 20$ 91$ 52$ 73$ 1,667$ 48$ 63$ 165$ 185$ 81$ 128.1% Maximum Claims -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PEPM -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a PMPM -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ -$ n/a Fixed Costs Administration 2,406$ 2,494$ 2,581$ 2,450$ 2,363$ 2,275$ 2,319$ 2,406$ 2,406$ 2,494$ 3,932$ 3,932$ 32,057$ 26,278$ 22.0% ISL Premium 2,531$ 2,623$ 2,715$ 2,577$ 2,485$ 2,393$ 2,439$ 2,531$ 2,531$ 2,623$ 2,580$ 2,580$ 30,603$ 35,977$ -14.9% HSA funding 3,208$ 3,333$ 3,417$ 3,250$ 3,167$ 3,125$ 3,167$ 3,292$ 3,292$ 3,417$ 5,208$ 5,167$ 43,042$ 36,833$ 16.9% Fixed Costs 8,145$ 8,450$ 8,713$ 8,277$ 8,014$ 7,793$ 7,924$ 8,228$ 8,228$ 8,533$ 11,719$ 11,678$ 105,701$ 99,088$ 6.7% PEPM 148$ 148$ 148$ 148$ 148$ 150$ 150$ 150$ 150$ 150$ 135$ 134$ 145$ 159$ -8.6% PMPM 79$ 80$ 81$ 80$ 79$ 78$ 78$ 79$ 79$ 79$ 68$ 68$ 77$ 81$ -5.6% Totals Total Actual Cost 13,386$ 11,415$ 11,682$ 10,608$ 9,992$ 16,909$ 13,159$ 15,785$ 181,631$ 13,767$ 22,480$ 39,970$ 360,784$ 198,039$ 82.2% PEPM 243$ 200$ 198$ 189$ 185$ 325$ 248$ 287$ 3,302$ 242$ 258$ 459$ 496$ 318$ 56.1% PMPM 130$ 108$ 108$ 103$ 99$ 169$ 130$ 152$ 1,746$ 127$ 131$ 234$ 261$ 162$ 61.2% Budget 38,020$ 39,419$ 40,293$ 38,020$ 37,146$ 36,797$ 37,234$ 38,632$ 38,632$ 39,856$ 63,105$ 62,580$ 509,734$ 438,063$ 16.4% PEPM 691$ 692$ 683$ 679$ 688$ 708$ 703$ 702$ 702$ 699$ 725$ 719$ 701$ 703$ -0.3% PMPM 369$ 372$ 373$ 369$ 368$ 368$ 369$ 371$ 371$ 369$ 367$ 366$ 369$ 358$ 3.0% Loss Ratio 35.2%29.0%29.0%27.9%26.9%46.0%35.3%40.9%470.2%34.5%35.6%63.9%70.8%45.2% Employee Contributions 1,603$ 1,690$ 1,690$ 1,582$ 1,582$ 1,668$ 1,668$ 1,755$ 1,755$ 1,755$ 2,990$ 2,903$ 22,642$ 19,327$ 17.2% PEPM 29$ 30$ 29$ 28$ 29$ 32$ 31$ 32$ 32$ 31$ 34$ 33$ 31$ 31$ 0.4% PMPM 16$ 16$ 16$ 15$ 16$ 17$ 17$ 17$ 17$ 16$ 17$ 17$ 16$ 16$ 3.7% Employer Actual Cost 11,782$ 9,725$ 9,992$ 9,026$ 8,411$ 15,240$ 11,491$ 14,030$ 179,876$ 12,012$ 19,490$ 37,066$ 338,143$ 178,712$ 89.2% PEPM 214$ 171$ 169$ 161$ 156$ 293$ 217$ 255$ 3,270$ 211$ 224$ 426$ 465$ 287$ 62.1% PMPM 114$ 92$ 93$ 88$ 83$ 152$ 114$ 135$ 1,730$ 111$ 113$ 217$ 245$ 146$ 67.4% Rolling 12 | March 2019 through February 2020 Dental Plans Summary Includes: All Business Units, All Plan Designs Dental Plans Note on Loss Ratios: Actual costs include all costs associated with the self- funded plans: Dental claims Administration Budgeted costs are calculated off of HUB's recommended funding rates Total Actual Cost vs. Budget Comparison $916,115 $1,183,346 $53 $68 $0 $10 $20 $30 $40 $50 $60 $70 $80 $0 $200,000 $400,000 $600,000 $800,000 $1,000,000 $1,200,000 $1,400,000 Total Actual Cost Budget Rolling 12 | Total Actual Cost vs. Budget Total PEPM Rolling 12 | March 2019 through February 2020 77.4% Loss Ratio ($267,231 surplus) Dental Plans Enrollment 530 271 116 103 430 Rolling 12 | Enrollment Employee Only Employee plus Spouse Employee plus Child Employee plus Child(ren) Employee plus Family $316,312 $599,803 Rolling 12 | 65.5% ER Share Employee Contributions Employer Actual Cost Cost Sharing Average Enrollment: 1449 Rolling 12 | March 2019 through February 2020 Employee Plan Participation Notes and Observations: Employees have shared in approximately 35% of actual costs thus far in the plan year Dental Plans $- $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 | Monthly Financials Claims Fixed Costs Budget Cost Summary Rolling 12 | March 2019 through February 2020 Notes and Observations: Fixed costs amount to 9% of actual costs Dental claims have less volatility than medical/Rx claims The 2020 plan year is immature for the merging population 93% 7% Rolling 12 | Plan Cost Components Claims Fixed Costs Dental Plans Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 399 400 412 411 409 423 432 438 448 458 1,050 1,074 530 384 37.9% Employee plus Spouse 228 232 229 228 232 232 230 233 233 233 470 477 271 202 34.4% Employee plus Child 97 99 96 94 95 98 97 100 97 98 207 209 116 84 38.3% Employee plus Child(ren)86 87 84 84 86 87 87 87 88 89 187 187 103 75 37.5% Employee plus Family 378 376 379 374 374 377 378 381 381 382 687 688 430 344 24.9% Total Enrollment 1,188 1,194 1,200 1,191 1,196 1,217 1,224 1,239 1,247 1,260 2,601 2,635 1,449 1,089 33.1% Claims Dental 60,118$ 86,891$ 59,704$ 63,120$ 82,716$ 60,369$ 65,834$ 68,017$ 56,911$ 65,883$ 39,240$ 145,224$ 854,026$ 629,727$ 35.6% Claims 60,118$ 86,891$ 59,704$ 63,120$ 82,716$ 60,369$ 65,834$ 68,017$ 56,911$ 65,883$ 39,240$ 145,224$ 854,026$ 629,727$ 35.6% PEPM 51$ 73$ 50$ 53$ 69$ 50$ 54$ 55$ 46$ 52$ 15$ 55$ 49$ 48$ 1.9% Fixed Costs Administration 4,241$ 4,263$ 4,284$ 4,252$ 4,270$ 4,345$ 4,370$ 4,423$ 4,452$ 4,498$ 9,286$ 9,407$ 62,089$ 46,631$ 33.1% Fixed Costs 4,241$ 4,263$ 4,284$ 4,252$ 4,270$ 4,345$ 4,370$ 4,423$ 4,452$ 4,498$ 9,286$ 9,407$ 62,089$ 46,631$ 33.1% PEPM 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 0.0% Totals Total Actual Cost 64,359$ 91,154$ 63,988$ 67,372$ 86,985$ 64,713$ 70,203$ 72,440$ 61,363$ 70,382$ 48,526$ 154,631$ 916,115$ 676,358$ 35.4% PEPM 54$ 76$ 53$ 57$ 73$ 53$ 57$ 58$ 49$ 56$ 19$ 59$ 53$ 52$ 1.7% Budget 82,669$ 82,962$ 83,142$ 82,375$ 82,763$ 83,842$ 84,089$ 85,021$ 85,300$ 85,914$ 171,830$ 173,438$ 1,183,346$ 898,914$ 31.6% PEPM 70$ 69$ 69$ 69$ 69$ 69$ 69$ 69$ 68$ 68$ 66$ 66$ 68$ 69$ -1.1% Loss Ratio 77.9%109.9%77.0%81.8%105.1%77.2%83.5%85.2%71.9%81.9%28.2%89.2%77.4%75.2% Employee Contributions 21,622$ 21,713$ 21,735$ 21,520$ 21,626$ 21,832$ 21,854$ 22,136$ 22,196$ 22,380$ 48,638$ 49,060$ 316,312$ 227,669$ 38.9% PEPM 18$ 18$ 18$ 18$ 18$ 18$ 18$ 18$ 18$ 18$ 19$ 19$ 18$ 17$ 4.3% Employer Actual Cost 42,737$ 69,441$ 42,253$ 45,852$ 65,359$ 42,881$ 48,349$ 50,304$ 39,166$ 48,001$ (112)$ 105,570$ 599,803$ 448,689$ 33.7% PEPM 36$ 58$ 35$ 38$ 55$ 35$ 40$ 41$ 31$ 38$ (0)$ 40$ 34$ 34$ 0.4% Rolling 12 | March 2019 through February 2020 Base Dental Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 237 240 250 247 246 258 266 267 272 273 522 538 301 240 25.8% Employee plus Spouse 102 101 98 98 102 99 97 100 100 101 155 156 109 91 20.3% Employee plus Child 52 53 51 49 49 51 52 53 52 52 85 86 57 51 12.3% Employee plus Children 24 25 23 24 24 25 24 24 25 25 50 50 29 24 18.7% Employee plus Family 163 161 163 162 162 163 163 163 162 163 220 218 172 156 10.4% Total Enrollment 578 580 585 580 583 596 602 607 611 614 1,032 1,048 668 561 19.1% Claims Dental 21,485$ 27,867$ 18,108$ 13,986$ 28,872$ 16,724$ 22,672$ 24,276$ 14,169$ 19,348$ 7,005$ 44,590$ 259,102$ 238,178$ 8.8% Claims 21,485$ 27,867$ 18,108$ 13,986$ 28,872$ 16,724$ 22,672$ 24,276$ 14,169$ 19,348$ 7,005$ 44,590$ 259,102$ 238,178$ 8.8% PEPM 37$ 48$ 31$ 24$ 50$ 28$ 38$ 40$ 23$ 32$ 7$ 43$ 32$ 35$ -8.7% Fixed Costs Administration 2,063$ 2,071$ 2,088$ 2,071$ 2,081$ 2,128$ 2,149$ 2,167$ 2,181$ 2,192$ 3,684$ 3,741$ 28,617$ 24,026$ 19.1% Fixed Costs 2,063$ 2,071$ 2,088$ 2,071$ 2,081$ 2,128$ 2,149$ 2,167$ 2,181$ 2,192$ 3,684$ 3,741$ 28,617$ 24,026$ 19.1% PEPM 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 0.0% Totals Total Actual Cost 23,548$ 29,938$ 20,196$ 16,057$ 30,953$ 18,852$ 24,822$ 26,443$ 16,350$ 21,540$ 10,689$ 48,332$ 287,719$ 262,204$ 9.7% PEPM 41$ 52$ 35$ 28$ 53$ 32$ 41$ 44$ 27$ 35$ 10$ 46$ 36$ 39$ -7.9% Budget 35,531$ 35,488$ 35,611$ 35,368$ 35,586$ 36,086$ 36,222$ 36,499$ 36,586$ 36,785$ 58,024$ 58,492$ 476,279$ 409,265$ 16.4% PEPM 61$ 61$ 61$ 61$ 61$ 61$ 60$ 60$ 60$ 60$ 56$ 56$ 59$ 61$ -2.3% Loss Ratio 66.3%84.4%56.7%45.4%87.0%52.2%68.5%72.4%44.7%58.6%18.4%82.6%60.4%64.1% Employee Contributions 3,577$ 3,536$ 3,534$ 3,519$ 3,562$ 3,545$ 3,523$ 3,556$ 3,541$ 3,567$ 5,016$ 4,997$ 45,472$ 40,121$ 13.3% PEPM 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 5$ 5$ 6$ 6$ -4.8% Employer Actual Cost 19,971$ 26,401$ 16,662$ 12,538$ 27,391$ 15,307$ 21,298$ 22,887$ 12,809$ 17,973$ 5,673$ 43,335$ 242,247$ 222,084$ 9.1% PEPM 35$ 46$ 28$ 22$ 47$ 26$ 35$ 38$ 21$ 29$ 5$ 41$ 30$ 33$ -8.4% Rolling 12 | March 2019 through February 2020 Plus Dental Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 162 160 162 164 163 165 166 171 176 185 528 536 228 144 58.1% Employee plus Spouse 126 131 131 130 130 133 133 133 133 132 315 321 162 111 45.8% Employee plus Child 45 46 45 45 46 47 45 47 45 46 122 123 59 33 78.6% Employee plus Children 62 62 61 60 62 62 63 63 63 64 137 137 75 51 46.4% Employee plus Family 215 215 216 212 212 214 215 218 219 219 467 470 258 188 36.9% Total Enrollment 610 614 615 611 613 621 622 632 636 646 1,569 1,587 781 528 48.1% Claims Dental 38,633$ 59,024$ 41,596$ 49,134$ 53,844$ 43,645$ 43,161$ 43,741$ 42,742$ 46,535$ 32,236$ 100,633$ 594,924$ 391,549$ 51.9% Claims 38,633$ 59,024$ 41,596$ 49,134$ 53,844$ 43,645$ 43,161$ 43,741$ 42,742$ 46,535$ 32,236$ 100,633$ 594,924$ 391,549$ 51.9% PEPM 63$ 96$ 68$ 80$ 88$ 70$ 69$ 69$ 67$ 72$ 21$ 63$ 63$ 62$ 2.6% Fixed Costs Administration 2,178$ 2,192$ 2,196$ 2,181$ 2,188$ 2,217$ 2,221$ 2,256$ 2,271$ 2,306$ 5,601$ 5,666$ 33,472$ 22,605$ 48.1% Fixed Costs 2,178$ 2,192$ 2,196$ 2,181$ 2,188$ 2,217$ 2,221$ 2,256$ 2,271$ 2,306$ 5,601$ 5,666$ 33,472$ 22,605$ 48.1% PEPM 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 4$ 0.0% Totals Total Actual Cost 40,811$ 61,216$ 43,792$ 51,315$ 56,032$ 45,862$ 45,382$ 45,997$ 45,012$ 48,842$ 37,837$ 106,299$ 628,396$ 414,154$ 51.7% PEPM 67$ 100$ 71$ 84$ 91$ 74$ 73$ 73$ 71$ 76$ 24$ 67$ 67$ 65$ 2.5% Budget 47,138$ 47,474$ 47,532$ 47,007$ 47,177$ 47,756$ 47,867$ 48,522$ 48,714$ 49,129$ 113,806$ 114,946$ 707,068$ 489,649$ 44.4% PEPM 77$ 77$ 77$ 77$ 77$ 77$ 77$ 77$ 77$ 76$ 73$ 72$ 75$ 77$ -2.5% Loss Ratio 86.6%128.9%92.1%109.2%118.8%96.0%94.8%94.8%92.4%99.4%33.2%92.5%88.9%84.6% Employee Contributions 18,045$ 18,177$ 18,201$ 18,001$ 18,064$ 18,287$ 18,331$ 18,580$ 18,656$ 18,814$ 43,621$ 44,063$ 270,840$ 187,548$ 44.4% PEPM 30$ 30$ 30$ 29$ 29$ 29$ 29$ 29$ 29$ 29$ 28$ 28$ 29$ 30$ -2.5% Employer Actual Cost 22,766$ 43,039$ 25,591$ 33,314$ 37,968$ 27,574$ 27,051$ 27,417$ 26,357$ 30,028$ (5,784)$ 62,236$ 357,557$ 226,606$ 57.8% PEPM 37$ 70$ 42$ 55$ 62$ 44$ 43$ 43$ 41$ 46$ (4)$ 39$ 38$ 36$ 6.6% Rolling 12 | March 2019 through February 2020 Vision Plans Summary Includes: All Business Units, All Plan Designs Vision Plans Note on Loss Ratios: Actual costs include all costs associated with the self- funded plans: Vision claims Administration Budgeted costs are calculated off of HUB's recommended funding rates Total Actual Cost vs. Budget Comparison $170,812 $190,689 $12 $13 $0 $2 $4 $6 $8 $10 $12 $14 $16 $0 $50,000 $100,000 $150,000 $200,000 $250,000 Total Actual Cost Budget Rolling 12 | Total Actual Cost vs. Budget Total PEPM Rolling 12 | January 2019 through December 2019 89.6% Loss Ratio ($19,877 surplus) Vision Plans Enrollment 431 176 58 166 348 Rolling 12 | Enrollment Employee Only Employee plus Spouse Employee plus Child Employee plus Child(ren) Employee plus Family $83,478 $87,334 Rolling 12 | 51.1% ER Share Employee Contributions Employer Actual Cost Cost Sharing Average Enrollment: 1179 Rolling 12 | January 2019 through December 2019 Employee Plan Participation Notes and Observations: Employees have shared in approximately 49% of actual costs Vision Plans $- $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000 $20,000 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Rolling 12 | Monthly Financials Claims Fixed Costs Budget Cost Summary Rolling 12 | January 2019 through December 2019 Notes and Observations: Fixed costs amount to 14% of actual costs Claims volatility is inherent in healthcare, particularly with large medical claimants The 2020 plan year is immature for the merging population 86% 14% Rolling 12 | Plan Cost Components Claims Fixed Costs Vision Plans Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 410 409 413 416 425 426 422 430 442 452 456 471 431 391 10.4% Employee plus Spouse 167 171 173 174 174 173 180 182 179 182 181 179 176 150 17.4% Employee plus Child 55 57 57 57 58 58 59 60 60 60 60 59 58 49 18.0% Employee plus Child(ren)164 163 162 166 163 161 163 166 169 170 171 172 166 144 15.3% Employee plus Family 349 347 351 350 350 348 346 344 344 349 347 350 348 315 10.6% Total Enrollment 1,145 1,147 1,156 1,163 1,170 1,166 1,170 1,182 1,194 1,213 1,215 1,231 1,179 1,048 12.5% Claims Vision 15,904$ 12,850$ 14,216$ 13,200$ 11,090$ 11,949$ 12,690$ 12,658$ 11,482$ 9,564$ 9,900$ 10,884$ 146,387$ 128,309$ 14.1% Claims 15,904$ 12,850$ 14,216$ 13,200$ 11,090$ 11,949$ 12,690$ 12,658$ 11,482$ 9,564$ 9,900$ 10,884$ 146,387$ 128,309$ 14.1% PEPM 14$ 11$ 12$ 11$ 9$ 10$ 11$ 11$ 10$ 8$ 8$ 9$ 10$ 10$ 1.4% Fixed Costs Administration 1,974$ 1,978$ 1,992$ 2,006$ 2,018$ 2,012$ 2,022$ 2,042$ 2,059$ 2,094$ 2,099$ 2,129$ 24,425$ 21,720$ 12.5% Fixed Costs 1,974$ 1,978$ 1,992$ 2,006$ 2,018$ 2,012$ 2,022$ 2,042$ 2,059$ 2,094$ 2,099$ 2,129$ 24,425$ 21,720$ 12.5% PEPM 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 0.0% Totals Total Actual Cost 17,878$ 14,828$ 16,208$ 15,206$ 13,108$ 13,961$ 14,712$ 14,700$ 13,541$ 11,658$ 11,999$ 13,013$ 170,812$ 150,029$ 13.9% PEPM 16$ 13$ 14$ 13$ 11$ 12$ 13$ 12$ 11$ 10$ 10$ 11$ 12$ 12$ 1.2% Budget 15,544$ 15,574$ 15,699$ 15,772$ 15,805$ 15,729$ 15,830$ 15,924$ 15,982$ 16,234$ 16,227$ 16,370$ 190,689$ 169,281$ 12.6% PEPM 14$ 14$ 14$ 14$ 14$ 13$ 14$ 13$ 13$ 13$ 13$ 13$ 13$ 13$ 0.1% Loss Ratio 115.0%95.2%103.2%96.4%82.9%88.8%92.9%92.3%84.7%71.8%73.9%79.5%89.6%88.6% Employee Contributions 6,800$ 6,817$ 6,882$ 6,904$ 6,928$ 6,891$ 6,943$ 6,971$ 6,976$ 7,099$ 7,097$ 7,168$ 83,478$ 74,336$ 12.3% PEPM 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ 6$ -0.2% Employer Actual Cost 11,078$ 8,010$ 9,326$ 8,302$ 6,180$ 7,070$ 7,769$ 7,729$ 6,565$ 4,559$ 4,902$ 5,845$ 87,334$ 75,693$ 15.4% PEPM 10$ 7$ 8$ 7$ 5$ 6$ 7$ 7$ 5$ 4$ 4$ 5$ 6$ 6$ 2.6% Rolling 12 | January 2019 through December 2019 Base Vision Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 204 205 208 208 211 208 208 212 220 224 225 225 213 191 11.8% Employee plus Spouse 37 38 39 38 37 37 37 37 36 37 38 38 37 32 17.8% Employee plus Child 18 19 19 19 19 19 19 19 19 19 19 19 19 16 18.2% Employee plus Children 65 63 61 64 62 64 63 65 66 64 63 64 64 53 20.1% Employee plus Family 57 56 58 57 59 58 56 55 56 56 54 55 56 54 3.8% Total Enrollment 381 381 385 386 388 386 383 388 397 400 399 401 390 346 12.7% Claims Vision 2,639$ 1,855$ 1,015$ 1,661$ 2,423$ 1,807$ 2,050$ 1,508$ 1,676$ 1,657$ 2,214$ 1,951$ 22,456$ 18,939$ 18.6% Claims 2,639$ 1,855$ 1,015$ 1,661$ 2,423$ 1,807$ 2,050$ 1,508$ 1,676$ 1,657$ 2,214$ 1,951$ 22,456$ 18,939$ 18.6% PEPM 7$ 5$ 3$ 4$ 6$ 5$ 5$ 4$ 4$ 4$ 6$ 5$ 5$ 5$ 5.2% Fixed Costs Administration 438$ 438$ 443$ 444$ 446$ 444$ 440$ 446$ 457$ 460$ 459$ 461$ 5,376$ 4,771$ 12.7% Fixed Costs 438$ 438$ 443$ 444$ 446$ 444$ 440$ 446$ 457$ 460$ 459$ 461$ 5,376$ 4,771$ 12.7% PEPM 1$ 1$ 1$ 1$ 1$ 1$ 1$ 1$ 1$ 1$ 1$ 1$ 1$ 1$ 0.0% Totals Total Actual Cost 3,077$ 2,293$ 1,458$ 2,105$ 2,869$ 2,251$ 2,490$ 1,954$ 2,133$ 2,117$ 2,673$ 2,412$ 27,832$ 23,710$ 17.4% PEPM 8$ 6$ 4$ 5$ 7$ 6$ 7$ 5$ 5$ 5$ 7$ 6$ 6$ 6$ 4.2% Budget 3,210$ 3,200$ 3,241$ 3,242$ 3,259$ 3,246$ 3,205$ 3,230$ 3,286$ 3,301$ 3,277$ 3,303$ 38,999$ 34,830$ 12.0% PEPM 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ -0.6% Loss Ratio 95.9%71.7%45.0%64.9%88.0%69.3%77.7%60.5%64.9%64.1%81.6%73.0%71.4%68.1% Employee Contributions 735$ 733$ 756$ 741$ 752$ 743$ 726$ 717$ 720$ 726$ 715$ 724$ 8,788$ 8,129$ 8.1% PEPM 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ -4.1% Employer Actual Cost 2,342$ 1,561$ 701$ 1,364$ 2,117$ 1,508$ 1,764$ 1,237$ 1,413$ 1,391$ 1,958$ 1,688$ 19,044$ 15,581$ 22.2% PEPM 6$ 4$ 2$ 4$ 5$ 4$ 5$ 3$ 4$ 3$ 5$ 4$ 4$ 4$ 8.5% Rolling 12 | January 2019 through December 2019 Plus Vision Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Rolling 12 Prior Rolling 12 % Change Enrollment Employee Only 206 204 205 208 214 218 214 218 222 228 231 246 218 200 9.0% Employee plus Spouse 130 133 134 136 137 136 143 145 143 145 143 141 139 118 17.2% Employee plus Child 37 38 38 38 39 39 40 41 41 41 41 40 39 33 18.0% Employee plus Children 99 100 101 102 101 97 100 101 103 106 108 108 102 91 12.5% Employee plus Family 292 291 293 293 291 290 290 289 288 293 293 295 292 260 12.0% Total Enrollment 764 766 771 777 782 780 787 794 797 813 816 830 790 703 12.4% Claims Vision 13,265$ 10,995$ 13,201$ 11,539$ 8,667$ 10,142$ 10,640$ 11,150$ 9,806$ 7,907$ 7,686$ 8,933$ 123,931$ 109,370$ 13.3% Claims 13,265$ 10,995$ 13,201$ 11,539$ 8,667$ 10,142$ 10,640$ 11,150$ 9,806$ 7,907$ 7,686$ 8,933$ 123,931$ 109,370$ 13.3% PEPM 17$ 14$ 17$ 15$ 11$ 13$ 14$ 14$ 12$ 10$ 9$ 11$ 13$ 13$ 0.8% Fixed Costs Administration 1,536$ 1,540$ 1,550$ 1,562$ 1,572$ 1,568$ 1,582$ 1,596$ 1,602$ 1,634$ 1,640$ 1,668$ 19,049$ 16,948$ 12.4% Fixed Costs 1,536$ 1,540$ 1,550$ 1,562$ 1,572$ 1,568$ 1,582$ 1,596$ 1,602$ 1,634$ 1,640$ 1,668$ 19,049$ 16,948$ 12.4% PEPM 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 2$ 0.0% Totals Total Actual Cost 14,801$ 12,535$ 14,751$ 13,101$ 10,239$ 11,710$ 12,222$ 12,746$ 11,408$ 9,541$ 9,326$ 10,601$ 142,980$ 126,318$ 13.2% PEPM 19$ 16$ 19$ 17$ 13$ 15$ 16$ 16$ 14$ 12$ 11$ 13$ 15$ 15$ 0.7% Budget 12,335$ 12,373$ 12,458$ 12,530$ 12,547$ 12,483$ 12,625$ 12,694$ 12,696$ 12,933$ 12,950$ 13,067$ 151,690$ 134,451$ 12.8% PEPM 16$ 16$ 16$ 16$ 16$ 16$ 16$ 16$ 16$ 16$ 16$ 16$ 16$ 16$ 0.4% Loss Ratio 120.0%101.3%118.4%104.6%81.6%93.8%96.8%100.4%89.9%73.8%72.0%81.1%94.3%94.0% Employee Contributions 6,065$ 6,085$ 6,126$ 6,163$ 6,176$ 6,148$ 6,217$ 6,254$ 6,256$ 6,373$ 6,382$ 6,445$ 74,690$ 66,206$ 12.8% PEPM 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 8$ 0.4% Employer Actual Cost 8,735$ 6,450$ 8,625$ 6,938$ 4,063$ 5,562$ 6,005$ 6,492$ 5,152$ 3,168$ 2,944$ 4,157$ 68,290$ 60,112$ 13.6% PEPM 11$ 8$ 11$ 9$ 5$ 7$ 8$ 8$ 6$ 4$ 4$ 5$ 7$ 7$ 1.1% Rolling 12 | January 2019 through December 2019 Supplemental Exhibits Large Claimants Plan YTD | January 2020 through February 2020 Claimant Diagnosis Prospective Risk Relationship Total Medical Paid Amount Over Specific Deductible 1 Not Available No Longer Enrolled Subscriber $219,491 $0 2 Injury and poisoning Low Risk Spouse $148,224 $0 3 Diseases of the circulatory system Low Risk Subscriber $106,823 $0 4 Certain conditions originating in the perinatal period Low Risk Dependent $74,741 $0 5 Neoplasms High Risk Subscriber $62,275 $0 6 Not Available Medium Risk Spouse $58,131 $0 Total $669,685 $0 Notes: 1) The exhibit above shows claimants with over $50,000 in claims 2) The total amount over the specific deductible represents the expected stop loss reimbursements per the 2020 contract with Medical Carrier 3) The 2020 specific deductible is $300,000 per individual Claims by Member Type Time Period | January 2019 through December 2019 Plan Employee Spouse Dependent Total $500 Deductible $498 $1,582 $204 $575 $1,200 Deductible $353 $558 $197 $342 $2,850 Deductible $207 $407 $121 $209 $6,550 Deductible $293 $91 $24 $178 Total $298 $571 $151 $295 Notes: 1) The chart above shows costs per member per month (e.g. spouses cost roughly $571 per spouse per month) 2) Current funding rates and employee contributions are designed to reflect the difference in costs by member type Top Rx Plan YTD | January 2020 through February 2020 Rank Drug Name Utilizers Prescriptions Paid Paid per Script 1 TECFIDERA 4 8 $66,729 $8,341 2 HUMIRA PEN 4 5 $27,258 $5,452 3 TRULICITY 15 23 $21,660 $942 4 JARDIANCE 17 23 $17,817 $775 5 LANTUS SOLOSTAR 13 20 $12,495 $625 6 STELARA 1 1 $11,945 $11,945 7 HUMIRA(CF) PEN 1 1 $11,053 $11,053 8 HUMIRA(CF)1 2 $10,903 $5,451 9 ADDERALL XR 31 49 $10,835 $221 10 OZEMPIC 6 8 $10,445 $1,306 Total 93 140 $201,139 $1,437 Notes: 1) In the past 12 months, there have been approximately $2.6M in Rx claims paid; therefore, the top 10 drugs account for nearly one-third of all claims Short Term Disability Rolling 12 | March 2019 through February 2020 Month Covered Employees # of Claims ASO Fees ASO Fees Per Claim Paid Claims Total Paid Per Covered Employee Mar-19 1,147 10 $2,294 $229 $18,364 $1,836 Apr-19 1,145 11 $2,290 $208 $19,564 $1,779 May-19 1,150 13 $2,300 $177 $23,113 $1,778 Jun-19 1,145 13 $2,290 $176 $23,455 $1,804 Jul-19 1,157 15 $2,314 $154 $23,978 $1,599 Aug-19 1,158 8 $2,316 $290 $13,989 $1,749 Sep-19 1,179 9 $2,358 $262 $17,564 $1,952 Oct-19 1,184 13 $2,368 $182 $11,942 $919 Nov-19 1,197 27 $2,394 $89 $23,513 $871 Dec-19 1,199 50 $2,398 $48 $37,453 $749 Jan-20 2,381 42 $4,762 $113 $31,000 $738 Feb-20 2,391 37 $4,782 $129 $25,544 $690 Total 16,433 248 $32,866 $133 $269,479 $1,087 Notes: 1) Paid claims include all applicable taxes and fees 2) The 2019 ASO fee is $2.00 per covered employee per month Contractual Details Plan Year | January 2020 through December 2020 Plan Coverage Tier Administration*Individual Stop Loss Premium Aggregate Stop Loss Premium Aggregate Stop Loss Factors Employee Only $45.19 $29.65 not purchased not purchased Employee + Spouse $45.19 $29.65 not purchased not purchased Employee + Child $45.19 $29.65 not purchased not purchased Employee + Children $45.19 $29.65 not purchased not purchased Family $45.19 $29.65 not purchased not purchased Employee Only $3.57 n/a n/a n/a Employee + Spouse $3.57 n/a n/a n/a Employee + Child $3.57 n/a n/a n/a Employee + Children $3.57 n/a n/a n/a Family $3.57 n/a n/a n/a Employee Only $0.52 n/a n/a n/a Employee + Spouse $1.04 n/a n/a n/a Employee + Child $1.04 n/a n/a n/a Employee + Children $1.12 n/a n/a n/a Family $1.79 n/a n/a n/a Employee Only $0.90 n/a n/a n/a Employee + Spouse $1.80 n/a n/a n/a Employee + Child $1.80 n/a n/a n/a Employee + Children $1.92 n/a n/a n/a Family $3.07 n/a n/a n/a * Medical administrative costs include claims administration and telehealth Medical Plans Dental Plans Vision Base Plan Vision Plus Plan Rates & Contributions Plan Year | January 2020 through December 2020 Plan Coverage Tier Monthly Funding Rate Monthly Employee Contributions Monthly Employer Portion Monthly COBRA Rates Bi-Weekly Employee Contributions Employee Only $558.80 $125.66 $433.14 $569.98 $58.00 Employee + Spouse $1,229.36 $437.66 $791.70 $1,253.95 $202.00 Employee + Child $726.45 $171.16 $555.29 $740.98 $79.00 Employee + Children $1,005.84 $351.00 $654.84 $1,025.96 $162.00 Family $1,788.17 $626.16 $1,162.01 $1,823.93 $289.00 Employee Only $544.47 $60.67 $483.80 $555.36 $28.00 Employee + Spouse $1,197.83 $236.17 $961.66 $1,221.79 $109.00 Employee + Child $707.81 $95.33 $612.48 $721.97 $44.00 Employee + Children $980.04 $188.50 $791.54 $999.64 $87.00 Family $1,742.31 $338.00 $1,404.31 $1,777.16 $156.00 Employee Only $535.35 $26.00 $509.35 $444.06 $12.00 Employee + Spouse $1,177.78 $151.67 $1,026.11 $997.34 $70.00 Employee + Child $695.95 $43.33 $652.62 $505.87 $20.00 Employee + Children $963.63 $86.66 $876.97 $778.90 $40.00 Family $1,713.13 $216.67 $1,496.46 $1,543.39 $100.00 Employee Only $437.01 $0.00 $437.01 $403.25 $0.00 Employee + Spouse $961.44 $86.67 $874.77 $895.67 $40.00 Employee + Child $568.13 $0.00 $568.13 $494.49 $0.00 Employee + Children $786.63 $0.00 $786.63 $717.36 $0.00 Family $1,398.45 $108.33 $1,290.12 $1,341.42 $50.00 Employee Only $34.73 $0.00 $34.73 $35.42 $0.00 Employee + Spouse $63.22 $10.83 $52.39 $64.48 $5.00 Employee + Child $52.11 $0.00 $52.11 $53.15 $0.00 Employee + Children $67.04 $0.00 $67.04 $68.38 $0.00 Family $101.43 $15.17 $86.26 $103.46 $7.00 Employee Only $39.08 $15.17 $23.91 $39.86 $7.00 Employee + Spouse $71.12 $28.17 $42.95 $72.54 $13.00 Employee + Child $58.62 $21.67 $36.95 $59.79 $10.00 Employee + Children $75.42 $28.17 $47.25 $76.93 $13.00 Family $114.10 $43.33 $70.77 $116.38 $20.00 Employee Only $5.43 $0.00 $5.43 $5.54 $0.00 Employee + Spouse $11.89 $6.50 $5.39 $12.13 $3.00 Employee + Child $8.15 $0.00 $8.15 $8.31 $0.00 Employee + Children $9.50 $0.00 $9.50 $9.69 $0.00 Family $15.75 $8.67 $7.08 $16.07 $4.00 Employee Only $7.87 $4.33 $3.54 $8.03 $2.00 Employee + Spouse $17.25 $8.67 $8.58 $17.60 $4.00 Employee + Child $11.82 $6.50 $5.32 $12.06 $3.00 Employee + Children $13.78 $6.50 $7.28 $14.06 $3.00 Family $22.84 $10.83 $12.01 $23.30 $5.00 Vision Plus Medical Plans $500 Deductible $1,200 Deductible $2,850 Deductible (Includes HSA Funding) $6,550 Deductible (Includes HSA Funding) Dental Plans Dental Base Dental Plus Vision Plans Vision Base ABC Company Assumptions & Caveats Item 1 2 3 4 5 6 7 Description Medical/Rx claims and enrollment provided by Medical Carrier Fixed costs (administration and stop loss) provided by Medical Carrier Budget rates and employee contributions provided by ABC Company HSA funding provided by ABC Company Dental claims and enrollment provided by Dental Carrier Vision claims and enrollment provided by Vision Carrier; enrollment in the child(ren) tiers are split according to historical distributions STD claims and enrollment provided by STD Carrier Voluntary Benefits RFP & RFQ Samples Per Scope of Work Proposal Requirements 15., Page 55 March 23, 2021 Re: Request for Proposal (RFP) Medical, Dental, Vision, Wellness Our firm is seeking information from qualified organizations that provide healthcare and healthcare plan management services to employees covered by employee benefit plans located in Bakersfield, California and the surrounding community. The objective of this RFP is to determine current best practices consistent with the objectives stated herein and to make recommendations of services and programs to our client, The County of ABC. Inquiries and responses concerning this RFP should be directed to: Lee Exton, CEBS Senior Vice President, Benefits & Total Rewards HUB International 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 Phone Lee.Exton@hubinternational.com Interested responders should deliver response to: All responses must be received by 5:00 p.m., March 30, 2021 via Email at Lee.Exton@HUBInternational.com . Responders are solely responsible for ensuring timely receipt of their proposals and responses received after the above time will not be considered. Any changes to this Request for Proposal should be in writing. At our sole discretion, we may request selected responders attend a finalist interview. We reserve the right to enter into discussions with any responding organizations and/or to offer, and/or reject, any and al l proposals which may result from this RFP process. RFP Objectives The purpose of this RFP is to seek information from qualified organizations that can provide access to a network of healthcare providers and/or healthcare plan services which offer the following characteristics: • Comprehensive access to healthcare providers and services in Bakersfield and the surrounding community • Comprehensive referral access to healthcare providers and services outside of Bakersfield and the surrounding community •Demonstrated and documented quality of healthcare services •Competitive first year unit costs for both healthcare and administrative services •Structural stability in healthcare unit costs, administrative costs, and/or global cost structure over multiple years •Demonstrated clinical and financial transparency of healthcare and administrative services •Demonstrated ability to understand unique population needs and implement specific programs to address those needs within a strategic organizational framework •Demonstrated ability to provide services to manage utilization of healthcare (medical) and pharmacy (drug) services •Demonstrated ability to monitor and manage unit cost of all healthcare services and supplies •Organizational culture of collaboration to develop, imp lement and manage population health improvement strategies. The focus of this RFP is on the delivery of healthcare and management services within an employee benefit plan environment. If your organization provides administrative services (including claims administration, disease management and other care management functions) and/or pharmacy benefits that are integrated within your healthcare delivery model, you should include pricing for such services to ensure full consideration. We will be pleased to meet with you and your proposal response team to discuss this RFP in greater detail and to answer any questions. We are interested in reviewing any and all approaches that meet the objectives stated herein and are not committed to any one specific approach. Timeline RFP Release March 21, 2021 Vendor Questions Due March 29, 2021 Response Due April 25, 2021 Interviews (if requested) Week of May 5, 2021 Attachments To assist with the preparation of your proposal, we are attaching: A)Month by Month Enrollment by Plan for the past three years B)Paid Claims by Plan for the past three years C)Census Data including: EEID Date of Birth Date of Hire Gender Family Status Current Plan Election (including waive status) Current Plan Family Coverage Category Organization Division Code Residential Zipcode Coverage Status: Active, COBRA Leave of Absence Payroll deduction Semi-Monthly D)Plan Utilization Statistics E)Primary Care Physician Election F)Current Hospital Usage Report G)Large Claims including Diagnosis and Prognosis H)Claims Triangle Report indicating duration of current pay lag I)Plan Document J)Summary of Plan Design K)List of Plan Design Changes to Be Priced in your proposal L)Plan Design changes implemented over the past 3 years Questions 1)Can you provide renewal 6 months in advance of the effective date 2)Please summarize projected trend 3)Are you agreeable to placing 10% of fees at risk tied to factors mutually agreed upon with our client. Will you provide reports tracking this data on a quarterly basis. 4)What additional Value Added programs are available through your organization that our client should consider? 5)Can you provide a dedicated service team? 6)Your rates should allow for a change in enrollment of 15% up or down without requiring rerating? 7)Are you agreeable to allowing the Pharmacy benefit to be carved out to another PBM? 8)If we utilize your organization for the Pharmacy benefit, will all rebates be forwarded to our client? 9)If the organization increases in size by 50%, how will you adjust your rates? 10)What additional funding or programs can you provide to enhance the client’s existing wellness programs? 11)Are you agreeable to paying for a focus group evaluation prior to and a year following plan design implementation? 12)How long does it take you to distrib ute ID cards from the date you receive the enrollment data? 13)What programs do you have that focus on Condition Management? 14)What tech tools do you employ to enhance employee engagement? 15)Are you agreeable to having the customer service front end of your progr am replaced by a Health Plan navigator like Quantum or Accolade? 16)What care directing services can you provide through your existing platform to identify patient needs and direct them to the most appropriate level of care? 17)What special reporting can you provide that will help us evaluate the ongoing effectiveness of your program? 18)What redundancy is built into your in house data platform to keep services operating in the event of an emergency? 19)What additional ideas do you have that we should discuss with our client? 20)What steps have you taken as an organization to ensure data is protected? 21)What initiatives have you put in place to overcome racial stereotyping and to encourage inclusivity? 22)What programs do you provide to the local community to promote healthcare overall 23)Please provide a disruption analysis of your proposed network(s) to the current Primary Care Physician List and the list of Currently Used Hospitals 24)Provide a GeoAccess analysis of: a.2 Primary Care Physicians within 8 miles b.1 Hospital within 15 miles Thank you for your interest in this RFP. Feel free to contact me at <Phone> or at Lee.Exton@hubinternational.com if you have any questions or need additional information. Sincerely, HUB Office: Group Name: Situs State of Group: Number of Eligible Employees: ## - census attached, password to follow Requested Effective Date: Existing VB Carrier (if applicable): Products: Show Monthly rates on all product proposals -Accident: Off-Job coverage and include AD&D, and $50 Wellness benefits o Include portability and remove age based reductions in benefit o Commissions: Level 20% -Hospital Indemnity: include $$ Admission Benefit, $100 Daily Confinement Benefit, $100 ICU benefit, $50 Wellness – also include confinement benefits for mental and substance abuse disorders – composite rates with pre-ex waived o Include portability and remove age ba sed reductions in benefit o Commissions: Level 20% -Critical Illness: show rates for a $10k benefit (please show all increments available up to the max guarantee issue limit of coverage ), include Cancer benefits and $50 Wellness – unitobacco, attained age rates (please show the rate per $1,000) o Include portability and remove age based reductions in benefit o Commissions: Level 20% -Vol Short Term Disability: non-integrated o Elimination Period: o Benefit Period: o Include: Portability, “Or” and “Own Job” definitions of disability, Partial Disability and Return to Work provisions o Please confirm if you can grandfather existing coverage. o Please confirm if EOI is waived during initial eligibility only, or annually open enrollment for all employees. o Commissions: Level 15% -Vol Long Term Disability: o Elimination Period: o Benefit Period: SSNRA o Include: Partial Disability and Return to Work provisions o Please confirm if you can grandfa ther existing coverage. o Please confirm if EOI is waived during initial eligibility only, or annually open enrollment for all employees. o Commissions: Level 15% -Vol Term Life + AD&D: o Please confirm if you can grandfather existing coverage. o Please confirm if EOI is waived during initial eligibility only, or annually open enrollment for all employees. If EOI is required for late entrants – please describe the process of capturing this. o Include portability, conversion, and waiver of premium due to disability o Commissions: Level 15% -Permanent Life Insurance: show rates for a $50,000 base benefit o Include waiver of premium, accelerated death benefit, and long term care provisionsSampleRFQ for Voluntary Benefits -ID Theft -Legal -Pet Insurance -Student Loan Services Enrollment Method: If you are in-force with this client for other lines, or are bidding on other lines for this client, please include any concessions that you can offer on those lines if they add VB in your proposal response. Due Date: Commission Information required in your response: -Confirmation of 1st year and renewal commissions for all plans quoted -Confirmation of vesting for all plans quoted -Rate Guarantees for all products THIS RFP IS CONFIDENTIAL AND ALL QUESTIONS/DISCUSSIONS SHOULD BE DIRECTED TOWARDS TREVOR GARBERS OR MYSELF. INCOMPLETE/INCORRECT PROPOSALS NOT ADDRESSING ALL ITEMS REQUESTED WILL NOT BE ACCEPTED OR PRESENTED TO THE CLIENT. PLEASE REVIEW YOUR PROPOSAL FOR ACCURACY PRIOR TO SUBMITTING. INABILITY TO ABIDE BY THESE GUIDELINES WILL RESULT IN YOUR DISQUALIFICATION FROM QUOTING THIS GROUP AND OTHERS IN THE FUTURE. Sample Voluntary Benefits How do you make a good voluntary benefits plan great? You’re working hard to manage rising health care costs, and that means making some difficult choices. At the same time, high deductible health plans and higher out-of-pocket costs are creating coverage gaps for many of your employees. Show your employees that you care by offering a voluntary benefits program with the meaningful choices they’re looking for. We’ll work with you to create a program tailored for your organization, featuring a well-planned roll-out, personalized communications and managed enrollment. Give your employees the power of choice Risk & Insurance | Employee Benefits | Retirement & Private Wealth 75% of employees say being able to customize benefits to their personal needs would increase their loyalty to their employer Supplemental Health Care Financial Wellness Lifestyle and Personal Supplemental Health Care Hospital Indemnity Accident Insurance Critical Illness/Cancer Dental Care Vision Care Telemedicine Long-Term Care Worksite Wellness Life Insurance with Long-Term Care Identity Theft Short and Long-Term Disability Pre-Paid Legal Accounting Services Personal Financial Planning Group Auto and Homeowners Pet Insurance Travel Insurance International Medical Discount Programs hubemployeebenefits.com We’re HUB When you partner with us, you’re at the center of a vast network of advisors who will help you reach your goals. With HUB, you have peace of mind that what matters most to you will be protected – through unrelenting advocacy and tailored solutions that put you in control. 4th largest insurance broker in the world 13,000+ employees throughout North America offices across North America 475+ clients around the globe 1M+ What’s different about our approach? Today’s diverse workplace spans multiple generations. To attract, motivate, and retain employees, your benefits should adapt to each employee’s personal situation. HUB will help you position your voluntary benefits portfolio to do just that. hubemployeebenefits.com ȋ Strategic Approach — Traditional voluntary programs market to the masses as separate add-on products. HUB takes a more strategic approach. We work with you to discover the best product combination, and integrate them into your benefits strategy. ȋ Long-Term Strategy — Traditional voluntary benefits programs rarely look past the first year. We continuously study claims utilization and demographic differences so you can adjust long-term strategy to changes in your business or workforce. ȋ One Dedicated Service Team — Wouldn’t benefits planning be easier if you worked with the same trusted team? That’s what HUB delivers. One point of contact. One premier service team. Together we can design a voluntary benefits program that fits what you and your employees need — now and in the future. Contact a HUB advisor today to learn more. ȋ Non-Traditional Solutions — An employee just entering the workforce has a different benefits focus than an employee nearing retirement. Today, non-traditional products, such as financial wellness, student loan assistance, and pet insurance are popular younger workers. ȋ Blended Portfolio — HUB introduces creative ideas for blending your core and voluntary benefits in both strategy and administration. We’ll work with your current enrollment vendor (or can recommend a new one) to ensure easy access and the capturing of invaluable benefits data. VOLUNTARY BENEFITS SUCCESS STORIES 33% increase in participation in high-deductible health plan and health savings account— achieved by integrating the right product and buy- up incentive with a strong employee education campaign No additional cost for transition from paper to online enrollment — A carrier to subsidize an online enrollment platform in exchange for voluntary products in exchange for offering voluntary benefits 45% increase in voluntary benefits enrollment— HUB’s simplification of a multi-product program, along with a three- year strategy and ongoing employee communication, resulted in 60% enrollment (up from 15%) EXHIBIT C Version: January 30, 2018 UBusiness Associate Agreement THIS BUSINESS ASSOCIATE AGREEMENT (this “BAA”), dated as of the ______ day of ________, 2021, is entered into by Hub International Insurance Services Inc. (“Business Associate”) and those Employee Welfare Benefit Plans (as defined in the Employee Retirement Income Security Act of 1974) of County of Fresno, a Political Subdivision of the State of California (“Plan Sponsor”) that are subject to 45 CFR Parts 160 and 164, Subparts A and E and 45 CFR Parts 160 and 164, Subpart C (each a “Covered Entity”) and on whose behalf this BAA has been executed and delivered. Business Associate and Covered Entity are referred to herein from time to time each individually as a “Party” and collectively as the “Parties.” Capitalized terms used herein but not otherwise defined in this BAA will have the same meaning as the meaning ascribed to such terms in the HIPAA Rules (as defined below). WHEREAS, pursuant to certain services agreements (the “Agreements”), Business Associate provides services to Covered Entity that may involve the use, disclosure, transmission, maintenance and/or creation of Protected Health Information; and WHEREAS, Business Associate and Covered Entity are committed to compliance with the Privacy, Security, Breach Notification and Enforcement Rules of the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) at 45 CFR Parts 160 and 164 and any current and future regulations promulgated thereunder (collectively, the “HIPAA Rules”); NOW, THEREFORE, in consideration of the mutual covenants and agreements herein, and for other good and valuable consideration, the Parties agree as follows: I. DEFINITIONS For purposes of this BAA, the following terms shall have the meanings ascribed to them below: A. Breach. “Breach” shall have the same meaning as the term “breach” in 45 CFR §164.402, subject to all exclusions under 45 CFR §§164.402(1)(i), (ii) and (iii). B. Electronic Protected Health Information. “Electronic Protected Health Information” or “ePHI” shall have the same meaning as the term “electronic protected health information” in 45 CFR §160.103, limited to the information created or received by Business Associate from or on behalf of Covered Entity. C. Electronic Transactions Rule. “Electronic Transactions Rule” shall mean the final regulations issued by HHS concerning standard transactions and code sets under 45 CFR Parts 160 and 162. D. HHS. “HHS” shall mean the U.S. Department of Health and Human Services. E. Individual. “Individual” shall have the same meaning as the term “individual” in 45 CFR § 160.103. 2 F. Protected Health Information. “Protected Health Information” or “PHI” shall have the same meaning as the term “protected health information” in 45 CFR §160.103, limited to the information created or received by Business Associate from or on behalf of Covered Entity, including but not limited to Electronic Protected Health Information. G. Required By Law. “Required by Law” shall have the same meaning as the term “required by law” at 45 CFR §164.103 and the standards imposed at 45 CFR §164.512(a). H. Secretary. “Secretary” shall mean the Secretary of HHS. I. Security Incident. “Security Incident” shall have the same meaning as the term “security incident” in 45 CFR §164.304. J. Transaction. “Transaction” shall have the meaning as the term “transaction” in 45 CFR §160.103. K. Unsecured Protected Health Information. “Unsecured protected health information” shall have the meaning as the term “unsecured protected health information” in 45 CFR §164.402. II. OBLIGATIONS OF BUSINESS ASSOCIATE Business Associate agrees: A. Not to use or disclose Protected Health Information other than (i) as permitted or required by this BAA, (ii) as permitted or required to perform its obligations pursuant to the Agreements, or (iii) as Required by Law. B. To use appropriate safeguards, and comply with Subpart C of 45 CFR Part 164 with respect to Electronic Protected Health Information, to prevent the use or disclosure of PHI other than as provided for by this BAA. C. To mitigate, to the extent practicable, any harmful effect that is known to Business Associate of a use or disclosure of PHI by Business Associate in violation of the requirements of this BAA. D. To report to the appropriate Covered Entity any use or disclosure of PHI not provided for by this BAA of which it becomes aware and any Successful Security Incident of which Business Associate becomes aware. For purposes of this BAA, a “Successful Security Incident” is any Security Incident that results in unauthorized access, use, disclosure, modification, or destruction of Electronic Protected Health Information of Covered Entity. The parties further stipulate and agree that this paragraph constitutes notice by Business Associate to Covered Entity with respect to any “Unsuccessful Security Incident,” which is defined for purposes of this BAA as any Security Incident that is not a Successful Security Incident. Covered Entity and Business Associate agree that reporting of 3 Unsuccessful Security Incidents are too numerous to be meaningful or helpful and therefore this BAA constitutes the report from Business Associate that these incidents occur. E. In accordance with 45 CFR §§164.502(e)(1)(ii) and 164.308(b)(2), if applicable, to ensure that any subcontractor that creates, receives, maintains or transmits Protected Health Information on behalf of Business Associate agrees to the same restrictions and conditions that apply through this BAA to Business Associate with respect to such PHI. If Business Associate becomes aware of a pattern or practice by the subcontractor that violates such agreement, Business Associate shall take steps to cure the breach or end the violation. If efforts to cure the breach or end the violation are not successful, Business Associate shall terminate its arrangement with the subcontractor, if feasible. If not feasible, Business Associate shall notify Covered Entity of the breach or violation. F. To make available, at the request of Covered Entity, and in the form and format designated by such Covered Entity, PHI in a Designated Record Set, to Covered Entity or, as directed by Covered Entity, to the requesting Individual or such Individual’s designee, within the time period necessary to meet the requirements under 45 CFR § 164.524; provided, however, that this Section II.F is applicable only to the extent Business Associate is required to maintain a Designated Record Set for the particular Covered Entity pursuant to the terms of the Agreements. G. To make any amendment(s) to PHI in a Designated Record Set as directed or agreed to by Covered Entity pursuant to 45 CFR § 164.526, or to take other measures as necessary to satisfy Covered Entity’s obligations under 45 CFR § 164.526; provided, however, that this Section II.G is applicable only to the extent Business Associate is required to maintain a Designated Record Set for the particular Covered Entity pursuant to the terms of the Agreements. H. To make applicable internal practices, books and records available to the Secretary or his designee for purposes of the Secretary's determining Business Associate’s compliance with the HIPAA Rules. I. To maintain and make available upon request by Covered Entity the information required to provide an accounting of disclosures as necessary to satisfy Covered Entity’s obligations under 45 CFR § 164.528. J. Without unreasonable delay and in no case later than sixty (60) days following discovery by Business Associate (except as otherwise required under 45 CFR §164.412), Business Associate will notify Covered Entity in writing of any Breach of Unsecured Protected Health Information. Business Associate shall provide Covered Entity, to the extent known, the identity of each Individual whose Unsecured Protected Health Information has, or is reasonably believed by Business Associate, to have been affected by the Breach. In addition, Business Associate shall provide to Covered Entity, either at the time it provides notice to Covered Entity of the Breach or promptly thereafter as information becomes 4 available, any other information that Covered Entity is required to include in its notification to an Individual under 45 CFR §164.404(c). K. In the event Business Associate transmits or receives a Transaction on behalf of Covered Entity, it shall comply with all provisions of the Electronic Transactions Rule to the extent applicable. L. To the extent Business Associate is to carry out one or more of Covered Entity's obligation(s) under Subpart E of 45 CFR Part 164, Business Associate shall comply with the requirements of Subpart E that apply to Covered Entity in the performance of such obligation(s). M. In its performance of the functions, activities, services, and operations for Covered Entity, Business Associate agrees to make only the minimum necessary uses and disclosures and requests for Protected Health Information. N. Business Associate shall not engage in the Sale of Protected Health Information or otherwise directly or indirectly receive direct or indirect remuneration in exchange for the disclosure of Protected Health Information of an Individual, unless Covered Entity or Business Associate has obtained a valid authorization from the Individual, consistent with the requirements under 45 CFR §164.508. III. PERMITTED USES AND DISCLOSURES BY BUSINESS ASSOCIATE Except as otherwise limited in this BAA, Business Associate may: A. Use or disclose PHI for purposes of performing the functions, activities or services for, or on behalf of, each Covered Entity as specified in the Agreements, provided that such use or disclosure would not violate Subpart E of 45 CFR Part 164 if done by Covered Entity or is permitted under paragraphs B and C below. B. Use PHI for all appropriate management and administrative functions of Business Associate, or as needed to carry out the legal responsibilities of Business Associate. C. Disclose PHI for all appropriate management and administrative functions of Business Associate, or as needed to carry out the legal responsibilities of Business Associate, provided that such disclosures are either Required by Law, or Business Associate obtains reasonable assurances from the person to whom the information is disclosed that it will remain confidential and will be used or further disclosed only as Required by Law or for the purpose for which it was disclosed to the person, and the person notifies Business Associate of any instances of which it is aware in which the confidentiality of the information has been breached. IV. OBLIGATIONS OF COVERED ENTITY Each Covered Entity shall: 5 A. Provide Business Associate with the notice of privacy practices that Covered Entity produces in accordance with 45 CFR § 164.520, as well as any changes to such notice. B. Provide Business Associate with any changes in, or revocation of, permission by an Individual to use or disclose PHI, if such changes affect Business Associate’s permitted or required uses and disclosures. C. Notify Business Associate of any restriction to the use or disclosure of PHI that Covered Entity has agreed to in accordance with 45 CFR § 164.522, to the extent that such restriction may affect Business Associate’s use or disclosure of PHI. D. Not request Business Associate to use or disclose PHI in any manner that would not be permissible under the Subpart E of 45 CFR Part 164 if done by Covered Entity, except as set forth in Sections III.B and C. E. Disclose only the minimum necessary Protected Health Information to Business Associate as may be required for Business Associate to perform its services to Covered Entity, except that Covered Entity will not be obligated to comply with this minimum necessary limitation if neither Business Associate nor Covered Entity is required to limit its use, disclosure or request to the minimum necessary. V. TERM AND TERMINATION A. Term. As to each Covered Entity, the term of this BAA shall be effective as of the date set forth above in the first paragraph. This BAA shall terminate on the date Business Associate ceases to be obligated to perform functions, activities or services for Covered Entity under the Agreements. However, Business Associate’s obligations under Articles II, III and V shall survive the termination of this BAA with respect to any PHI so long as it remains in the possession of Business Associate. B. Termination for Cause. Without limiting the rights of the Parties respecting termination under the Parties’ Agreements: 1. By Covered Entity. Upon Covered Entity’s knowledge of a pattern of an activity or practice of Business Associate that constitutes a material breach or violation of this BAA by Business Associate with respect to PHI maintained for that Covered Entity, such Covered Entity shall provide an opportunity for Business Associate to cure the breach or end the violation. Covered Entity shall terminate this BAA and the Agreements if Business Associate does not cure the breach or end the violation within such reasonable time as is specified by Covered Entity, or immediately terminate this BAA and the Agreements if Business Associate has breached or violated a material term of this BAA and cure is not possible. However, Business Associate’s Agreement(s) and the terms of this BAA with respect to any other Covered Entity shall continue to remain in effect until otherwise terminated. 6 2. By Business Associate. Upon Business Associate’s knowledge of a pattern of an activity or practice of Covered Entity that constitutes a material breach or violation of this BAA by such Covered Entity, Business Associate shall provide an opportunity for Covered Entity to cure the breach or end the violation. Business Associate shall terminate this BAA and the Agreements with respect to that Covered Entity if Covered Entity does not cure the breach or end the violation within such reasonable time as is specified by Business Associate, or immediately terminate this BAA and the Agreements with respect to that Covered Entity if Covered Entity has breached or violated a material term of this BAA and cure is not possible. However, Business Associate’s Agreement(s) and the terms of this BAA with respect to any other Covered Entity shall continue to remain in effect until otherwise terminated. C. Effect of Termination. Upon termination of this BAA for any reason, Business Associate, with respect to Protected Health Information received from Covered Entity, or created, maintained, or received by Business Associate on behalf of Covered Entity, shall: 1. Retain only that PHI which is necessary for Business Associate to continue its proper management and administration or to carry out its legal responsibilities; 2. Return to Covered Entity or destroy the remaining PHI that Business Associate still maintains in any form; 3. Continue to use appropriate safeguards and comply with Subpart C of 45 CFR Part 164 with respect to Electronic Protected Health Information to prevent use or disclosure of the PHI, other than as provided for in this Section V.C, for as long as Business Associate retains the PHI; 4. Not use or disclose the PHI retained by Business Associate other than for the purposes for which such PHI was retained and subject to the same conditions set out under Sections III.B and III.C which applied prior to termination; and 5. Return to Covered Entity or destroy the PHI retained by Business Associate when it is no longer needed by Business Associate for its proper management and administration or to carry out its legal responsibilities. VI. MISCELLANEOUS PROVISIONS A. Regulatory References. A reference in this BAA to a section in the HIPAA Rules means the section as in effect or as amended, and for which compliance is required at the time of the use or disclosure in question. 15TIn case a specific regulatory reference used in this BAA changes, as may occur when an enforcement body moves or otherwise changes its numbering system, this BAA shall remain in place and the Parties subject to the BAA shall use all reasonable efforts to discern the 7 correct and applicable reference currently in effect in order to optimally satisfy compliance obligations as set forth under governing law. B. Amendment. The Parties agree to take appropriate action as necessary to amend this BAA from time to time in order for Covered Entity and Business Associate to comply with the HIPAA Rules. Moreover, to the extent permitted by applicable law, upon the compliance date of any final regulation, or amendment to final regulation promulgated by HHS that affects Business Associate or Covered Entity’s obligations under this BAA, this BAA will automatically amend such that the obligations imposed on Business Associate or Covered Entity remain in compliance with the final regulation or amendment to final regulation. C. Survival. The respective rights and obligations of the Parties to this BAA shall survive the termination of this BAA. D. Governing Law. This BAA shall be governed by the laws of the State of California. E. Notices. All notices hereunder shall be in writing and delivered by hand, by certified mail, return receipt requested or by overnight delivery. Notices shall be directed to the Parties at their respective addresses set forth below their signature, as appropriate, or at such other addresses as the Parties may from time to time designate in writing. F. Entire Agreement; Modification. This BAA represents the entire agreement between Business Associate and each Covered Entity relating to the subject matter hereof and supersedes all prior oral and written agreements relating to the subject matter hereof. No provision of this BAA may be modified, except in writing, signed by the Parties. G. No Third Party Beneficiaries. There shall be no third party beneficiaries to this BAA, and no individual (including an Individual) or entity who is not a party to this BAA shall have any rights in connection with a breach or violation of this BAA. H. Binding Effect. This BAA shall be binding upon the Parties hereto and their successors and assigns. I. Counterparts and Signature. This BAA may be executed in any number of counterparts, which, when taken together, shall constitute one original. This BAA may be executed by an electronic or facsimile signature of an authorized representative of the Parties, and any such signature shall be deemed to be an original signature and shall be binding on the Parties to the same extent as if such electronic or facsimile signature were an original signature. J. Interpretation of this Agreement. Any ambiguity in this BAA shall be resolved in favor of a meaning that permits the Parties to comply with applicable law. Version: January 30, 2018 IN WITNESS WHEREOF, the Parties hereto have caused this BAA to be executed as of the date first above written. BUSINESS ASSOCIATE: Hub International Insurance Services Inc. By: _________________________________________ Name: ______________________________________ Title: ________________________________________ Address of Business Associate: Hub International Insurance Services, Inc. 4695 MacArthur Court, Suite 600 Newport Beach, CA 92660 For Notices, a copy (which will not constitute notice) shall be sent to: Hub International Limited c/o Legal Department 300 N. LaSalle St., 17P th P Floor Chicago, IL 60654 PLAN SPONSOR: County of Fresno on behalf of its group health plan as Covered Entity By: _________________________________________ Name: Steve Brandau Title: Chairman of the Board of Supervisors of the County of Fresno Address of Plan Sponsor: County of Fresno Department of Human Resources 2220 Tulare Street, 14th Floor Fresno, CA 93721 EXHIBIT D SELF-DEALING TRANSACTION DISCLOSURE FORM In order to conduct business with the County of Fresno (hereinafter referred to as “County”), members of a contractor’s board of directors (hereinafter referred to as “County Contractor”), must disclose any self-dealing transactions that they are a party to while providing goods, performing services, or both for the County. A self-dealing transaction is defined below: “A self-dealing transaction means a transaction to which the corporat ion is a party and in which one or more of its directors has a material financial interest” The definition above will be utilized for purposes of completing this disclosure form. INSTRUCTIONS (1) Enter board member’s name, job title (if applicable), and date this disclosure is being made. (2) Enter the board member’s company/agency name and address. (3) Describe in detail the nature of the self -dealing transaction that is being disclosed to the County. At a minimum, include a description of the following: a. The name of the agency/company with which the corporation has the transaction; and b. The nature of the material financial interest in the Corporation’s transaction that the board member has. (4) Describe in detail why the self -dealing transaction is appropriate based on ap plicable provisions of the Corporations Code. (5) Form must be signed by the board member that is involved in the self -dealing transaction described in Sections (3) and (4). (1) Company Board Member Information: Name: Date: Job Title: (2) Company/Agency Name and Address: (3) Disclosure (Please describe the nature of the self-dealing transaction you are a party to): (4) Explain why this self-dealing transaction is consistent with the requirements of Corporations Code 5233 (a): (5) Authorized Signature Signature: Date: