Living well is something we do every day — from choosing the right foods to getting enough exercise to taking time to rest. Your everyday lifestyle choices will influence which Providence Health & Services benefits are right for you. Providence wants you to live your healthiest life. How To Enroll If You Do Not Enroll Once you’ve reviewed your benefit options and decided what plans you want, it’s time to enroll. Enrollment changes can be made to your selections using ProvConnect Employee Self Service through November 14, 2011. A confirmation statement will be sent to you after the enrollment period ends so you can confirm your elections. Go to https:// provconnect.providence.org Enter your user ID and password (Don’t remember your password? Contact your local help desk at 212-3044.) Click ‘2012 open enrollment’ If you do not enroll in a new plan or make changes to your current plan elections: • Your existing health care coverage will roll over automatically to next year at the corresponding 2012 paycheck deduction rates. • You will not have Health Care or Dependent Care Flexible Spending Account contributions as these require annual elections. Select your benefit options Review your choices and costs Click ‘submit’ I CHOOSE HEALTH Lower your annual premiums up to $600 by completing your I Choose Health program requirements by December 1, 2011. Save $1,200 if both you and your spouse or adult benefit recipient participate. For more information please visit:http://in.providence. org/ak/departments/employeehealth/Pages/ ichoosehealth.aspx or call your benefits team 2126453. Benefits enrollment is October 31 - November 14, 2011 Questions? Find details about all of your benefits in the summary plan description (SPD) on ProvConnect at http://www.providence.org/alaska/people/forms.htm. The SPD is a detailed guide to all of your Providence health and welfare benefits. You can print out a copy of the SPD, or if you would like a paper copy, please contact your local Providence benefits staff. If you have additional questions about your benefits or eligibility, contact your local Providence benefits staff. For a list of numbers, consult the contact sheet included with your enrollment materials. IMPORTANT NOTICES ABOUT YOUR RIGHTS Notice of Rights under The Women’s Health and Cancer Rights Act of 1998 (WHCRA) Notice of Rights under the Health Insurance Portability and Accountability Act (HIPAA) The Providence plans comply with the WHCRA with respect to health benefits provided under each plan. If you elect breast reconstruction in connection with a mastectomy, coverage is available in a manner determined in consultation between the patient and the attending physician. Benefits available under the Providence Health & Services self-insured plans include: The privacy rules under the Health Insurance Portability and Accountability Act (HIPAA) require the Providence Health & Services Employee Group Plan, Employee Assistance Plan (EAP) and Prescription Discount Program (the Plans) to periodically send a reminder to participants about the availability of the Plans’ Privacy Notice and how to obtain that notice. The Privacy Notice explains participants’ rights and the Plans’ legal duties with respect to protected health information (PHI) and how the Plans may use and disclose PHI. • Reconstruction of the breast on which the mastectomy was performed; • Surgery and reconstruction of the other breast to produce a symmetrical appearance; and • Prostheses and treatment of physical complications of all stages of the mastectomy, including lymphedemas. To obtain a copy of the Privacy Notice, contact your local Providence benefits staff. You may also contact your local Providence Privacy Official for more information on the Plans’ privacy policies or your rights under HIPAA. This coverage will be subject to the same annual deductibles and coinsurance provisions that apply for medical and surgical benefits covered under the plan. You and your attending physician will determine the need for benefits following mastectomy. They are not subject to utilization review. You can also read about your rights if you need to resolve a problem and your rights under the Employee Retirement Income Security Act of 1974 (ERISA). This guide provides highlights of Providence Health & Services benefits plans, effective January 1, 2012. In the event of a discrepancy between this guide and the legal plan documents, the legal plan documents will rule in all cases. Your Benefits 2012 enrollment guide What’s inside • How to enroll • Eligible preventive care services covered at 100% • Ways to save on health care Our annual benefits enrollment period is your opportunity to consider both your benefit and lifestyle choices — do you have enough medical, life and disability coverage? Too much? Are there ways you can save more money? Things to Consider These three steps can help you decide what benefit coverage meets the needs of you and your family and to enroll. 1.Review Make sure you have the right medical coverage for your needs - family, single, ongoing treatment, never sick. Are Health Care and Dependent Care Flexible Spending Accounts right for you? They can save you money on your out-of-pocket costs. Providence offers additional benefits, including life and disability insurance. What are your needs? 2.Decide 3.Enroll Review the 2012 medical benefits comparison, dental summary and additional enrollment materials. The contact sheet provides numbers and Web sites you can contact for answers to specific questions. Providence gives you dollars to cover most of your important benefits. If your benefits cost more than what Providence pays, you pay the difference — often with before-tax dollars (this lowers your taxable income). If your benefits cost less than what Providence pays, you may receive an increase in taxable pay, spread throughout the year. Follow the online enrollment instructions in this guide. Add any new dependents to be covered. Update your benefit selections. Confirm your beneficiary information. Save on Taxes with Health Care and Dependent Care Flexible Spending Accounts amount, coinsurance amounts and expenses not covered under the plans.* The flexible spending accounts, formerly referred to as “reimbursement accounts,” help lower costs for health care and dependent care expenses by allowing you to use before-tax dollars to pay for qualified out-of-pocket expenses. This benefit, in turn, lowers your taxable income. The Dependent Care Flexible Spending Account (Dependent Care FSA) covers the cost of care for your dependent children ages 12 and under, and for anyone considered your dependent for income tax purposes (including dependent parents) to allow you and your spouse, if married, to work, look for work or attend school full-time. You can use your Health Care Flexible Spending Account (Health FSA) for health care expenses not covered by your medical, dental and/or vision plan. Carefully determine your potential expenses under the health care options you choose. Consider depositing enough into your Health FSA to cover the annual deductible Reminder: According to IRS rules, unused money left in your flexible spending account at the end of the claim filing period cannot be returned to you. You must enroll during benefits enrollment to participate in the Health Care and Dependent Care Flexible Spending Accounts in 2012. *If your medical plan option includes a Health Reimbursement Account (HRA) or the ability to open a Health Savings Account (HSA), please review your enrollment materials to understand certain Health FSA limitations that may apply. Eligible Preventive Care Services Covered at 100% Most medical conditions we develop are preventable and treatable. You likely see this in your everyday work. You see how much time it takes to care for illnesses, and you know it takes much less time to prevent them. Providence is serious about your health, so many of our medical plans cover eligible preventive care services at 100%. Check your 2012 benefits comparison for a list of your wellness and preventive care benefits, including: • Routine annual exams • Vaccinations • Annual mammograms for women beginning at age 40 • Prostate screening beginning for men at age 40 • Colonoscopy beginning at age 50 for both men and women Providence provides preventive care coverage for your children, too, including prenatal care and well child care (such as regular doctor visits and immunizations). Ways to Save on Health Care While you consider your benefit choices for next year, no doubt costs come to mind. Here are some easy ways to help you get more from your health care dollars: Stay in network. If you’re in a medical plan that has an option of using an in-network or out-of-network provider, stay in network. Using in-network providers costs you less for most services because they have negotiated rates with the health plans. Save on medications. Ask your doctor to prescribe generic drugs when possible. If you take a medication regularly, use the mail-order program to get a 90-day supply at a discount instead of a 30-day supply from a retail pharmacy. Lower your out-of-pocket costs. The Health Care Flexible Spending Account lets you use before-tax dollars to pay for eligible out-of-pocket health care expenses, lowering your taxable income. If your medical plan option includes a Health Reimbursement Account (HRA) or the ability to open a Health Savings Account (HSA), please review your enrollment materials to learn if certain Health FSA limitations apply. Take a health assessment. By taking an online health assessment, you can find out what actions to take to maintain or regain your health. You can also identify the early signs of future health conditions that can be treated effectively now. Not only will you save money on long-term health care costs, but you will also improve your health. You can find a link on ProvConnect to the online health assessment once you have completed your enrollment. You can also find a link on your Benefits department site. Life Takes Planning We don’t like to think about what would happen to our loved ones if we pass away unexpectedly. Uncomfortable questions arise. For example, how will your loved ones pay the bills? Will there be enough to cover the mortgage and college costs? Providence has considered these questions and the financial security of employees and their loved ones. That’s why basic life and accidental death and dismemberment (AD&D) insurance are provided at no cost to you. In most cases, you are also covered by long-term disability insurance, which pays a portion of your salary in case an illness or injury prevents you from working. For some, these basic coverages may be enough, but not everyone has the same needs. Providence also offers you the opportunity to purchase additional coverage. During the benefits enrollment period, think about your situation — maybe you have children or a mortgage — and whether increasing your life, AD&D or disability benefits makes sense. Consider: • Am I covered by other insurance policies? • What everyday expenses would need to be covered if something happened to me or another family member? • What major expenses do I have? Mortgage? College? Other debts? • What lifestyle would I want my loved ones to be able to live? When you enroll, it’s worth another look at these benefits to make sure you have the coverage you need. Are your beneficiaries up to date? A beneficiary is the person you designate to receive your insurance benefits and eligible retirement savings in the unfortunate case of your death. If you haven’t declared a beneficiary, your surviving family members could find themselves in court, even if you have a will. Keep in mind you can designate a beneficiary for each benefit using ProvConnect Employee Self Service. So make it a point to check all your beneficiary designations so the people you choose get the benefits as you desire. Benefits enrollment is October 31 - November 14, 2011