Denver Employees Retirement Plan 9126775.1 7/20 19-13383 Welcome Knowing your benefits helps you make more informed health care decisions. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126775.1 7/20 19-13383 2 Agenda ➢ ➢ ➢ ➢ Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126827 7/20 19-12448 3 2021 Updates 9126768 7/20 19-12448 2021 updates ➢ ➢ ➢ ➢ Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 5 2021 Benefit Overview 9126768 7/20 19-12448 2021 Medical Plan Options 1 Plan option 1 – High Deductible Health Plan (HDHP) with an HSA 2 Plan option 2 – Colorado Doctors Plan Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126827 7/20 19-12448 7 High Deductible Health Plan (HDHP) with an HSA Network Care Costs Save money by staying in network. Deductible Individual $1,450 Family** $2,900 Option to choose a primary care Doctors and Specialists provider (PCP) and no referrals Preventive Care $0 PCP 20% after ded. required to see a specialist. Urgent Care 20% after ded. Specialist 20% after ded. Preventive care is covered Minor Diagnostic Lab and X-ray 20% after ded. 100 percent in our network. Major Diagnostic Lab and Imaging 20% after ded. Hospital Care Emergency Room 20% after ded. HSA qualified plan. Hospital/Surgery 20% after ded. Prescription Coverage Retail (30 day supply) $10/$35/$60 after ded. Mail Order (90 day supply) $25/$87.50/$150 after ded. Out-of-pocket limit Individual $2,900 Family $5,800 Please read your plan documents. Additional information such as benefit details, plan limitations and exclusions, and the costs of coverage can be found in the Summary of Benefits. **For family coverage, a member of the family can receive benefits once the family annual deductible is met. Certain preventive care items and services, including immunizations, are provided as specified by applicable law, including the Patient Protection and Affordable Care Act (ACA), with no cost-sharing to you. These services may be based on your age and other health factors. UnitedHealthcare also covers other routine services, and some plans may require copayments, coinsurance or deductibles for these benefits. Always review your benefit plan documents to determine your specific coverage details. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 8 What is an HSA? Health Savings Accounts (HSAs) are designed to help you save and pay for qualified medical expenses $ Deposit money into your HSA. Save on taxes. Use your HSA to pay for qualified medical expenses. Invest your savings in mutual funds. Investments are not FDIC insured, are not guaranteed by Optum Bank®, and may lose value. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9 With an HSA: • You’re in charge of managing your HSA • There’s no “use it” or “lose it” • Annual contribution limits are set by the IRS • Deposits can be made at any time and are available immediately • All deposits up to the annual IRS limit are income tax-free • Withdrawals made for qualified medical expenses are not subject to income tax Investments are not FDIC insured, are not guaranteed by Optum Bank®, and may lose value. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 10 HSA eligibility You are eligible to open and contribute to an HSA if: You are covered by an HSA qualifying high deductible health plan (HDHP) You are not covered by any other health plan that is not a high deductible plan You are not enrolled in Medicare, TRICARE or TRICARE for Life You are not claimed as a dependent on someone else’s tax return You are not covered by a health care flexible spending account (FSA) You have not received Veterans Administration (VA) benefits within the past three months, except for preventive care. If you are a veteran with a disability rating from the VA, this exclusion does not apply. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 11 HSA contribution limits. Contribution maximum amount. Any contribution you receive from The City and County of Denver counts towards the 55+ additional IRS maximum amounts below. contribution. If you are 55 years of age or older but not enrolled in Medicare, you can deposit 2020 2021 an additional $1,000/year in “catch-up” contributions. Individual $3,550 $3,600 coverage Family $7,100 $7,200 coverage You typically have until April 15th to make HSA deposits that count toward your maximum for the prior tax year. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 12 Colorado Doctors Plan Partnership with Centura Health to create a simpler health plan Network Care Costs Deductible Lower costs at the time of service, Individual $500 Family $1,000 easier to use, and 24/7 access to Doctors and Specialists care. Preventive Care $0 PCP $0 Urgent Care $0 Must choose a primary care provider Specialist $75 (PCP). Minor Diagnostic Lab and X-ray $25 Major Diagnostic Lab and Imaging $250 No need to get referrals to see Hospital Care Emergency Room 20% after ded. an in-network specialist. Hospital/Surgery 20% after ded. Prescription Coverage Preventive care is covered Retail (30 day supply) $10/$35/$60/$100 100 percent in our network. Mail Order (90 day supply) $25/$87.50/$150/NA Out-of-pocket limit Individual $4,500 Please read your plan documents. Additional information such as benefit details, plan Family $9,000 limitations and exclusions, and the costs of coverage can be found in the Summary of Benefits. Certain preventive care items and services, including immunizations, are provided as specified by applicable law, including the Patient Protection and Affordable Care Act (ACA), with no cost-sharing to you. These services may be based on your age and other health factors. UnitedHealthcare also covers other routine services, and some plans may require copayments, coinsurance or deductibles for these benefits. Always review your benefit plan documents to determine your specific coverage details. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 13 Lowering Costs $0 $0 $0 $0 PCP Visits Urgent Care Virtual Visits Convenience Care Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. County eligibility Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. HDHP and CDP Pharmacy benefits. For 2021, pharmacy benefits for both medical plans will be transitioning to our Standard Select Pharmacy Network. The Standard Select Pharmacy Network includes nearly 50,000 pharmacies across the United States. There is a good chance you already shop at these locations. Here are a few of the popular pharmacy chains in the network: • Major pharmacies including Walgreens, Rite Aid, Duane Reade, The Medicine Shoppe. How do I transfer my • Mass retailers including Walmart, Sam’s Club, Costco. prescriptions to a Standard • Supermarkets including Krogers/Ralphs, Select Network Pharmacy? Albertsons/Safeway. Transferring is easy. • Simply provide your prescription • CVS/Target will no longer be in the network bottle or prescription information to your new pharmacy. Easy to find a pharmacy near you. • They will transfer any remaining refills on the current prescription There are three ways to quickly and easily find a nearby Standard or get a new prescription from Select Network Pharmacy: your doctor. ® The UnitedHealthcare app is Login to myuhc.com and select Pharmacies & Prescriptions, available for download for and then select Find a Pharmacy. iPhone® or Android™ Contact Customer Service by calling the toll-free number on the back of your health plan ID card. Download the UnitedHealthcare App to search on your smartphone or tablet. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 16 HDHP and CDP Pharmacy benefits. Say hello to savings. To sign up for home delivery or to find a network pharmacy: OptumRx® makes it easy to keep track of your • Visit myuhc.com. medications and save money — both online • Use the UnitedHealthcare app. and on the go. • Call the number on your ID card. Two easy ways to fill prescriptions: Manage your meds. 1 Home delivery: Visit myuhc.com > Pharmacies & Prescriptions to: Order up to a 3-month supply of your regular • Find and compare medication costs. medications with free shipping. • Locate a network pharmacy. 2 Pick up at the pharmacy: • See if your medications have any requirements Show your ID card at any network pharmacy. before filling them. OptumRx is an affiliate of United HealthCare Insurance Company. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 17 UHC Tools and Resources 9126768 7/20 19-12448 Go digital Get the most out of your benefits by registering on myuhc.com and downloading the UnitedHealthcare® app. Activate your myuhc.com account after enrolling and gain access to: • Find network providers and locations. • Check account balances. • View and pay claims. • Estimate costs for care. • Learn about covered preventive care. • Manage your prescriptions. UnitedHealthcare® app Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126768 7/20 19-12448 19 Virtual Visits Sick? See a doctor wherever, whenever. • Get 24/7 care by video or phone. • May be used for common medical conditions - Allergies - Eye infections - Rashes - Bronchitis - And more.