Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38Each year, our primary focus is on the health and wellness of our workforce and retirees as well as man- aging the costs for providing the benefits we offer. To support this initiative, we encourage you to become an educated consumer and take advantage of the other benefits available to you. To manage our costs, we previously communicated that we had undertaken a multi-year strategy to manage benefit costs for our employees, retirees and dependents. Our strategy includes monitoring the usage of our benefit plans to affect our plan design and develop ways to integrate appropriate strategies within our program. The primary factors that drive WSSC’s health care costs are; our older than average employee population, our growing number of retirees, our number of high-cost claimants and an increase in specialty pharmacy utilization and cost. We must pay close attention to, and plan for, the continuous evolution of federal and state requirements that affect our health care and administrative costs. These requirements, in addition to the primary drivers noted above, have become a critically important component of planning for the future of our comprehensive benefit package. Due to good utilization from July 2015 through June 2016 and aggressive negotiations, we will be able to pass on a rate hold for the health and pharmacy plans. Given the national average increase is trending at 6%, this is very good news. However, we must manage expectations and understand that future costs are expected to normalize (not continue to stabilize or decrease). For 2017, we will continue to implement incremental changes to our health and pharmacy plan design. This will include modestly increasing health and pharmacy copays and increasing the member cost share for the most generous and expensive plan (UnitedHealthcare POS) by 1 percent. Take an active role in managing your health and wellbeing! We encourage you to read this booklet to learn more about your benefits, attend one of our Open Enrollment Information Sessions and attend the Wellbe- ing Fair. Important Information about your Benefits for 2017 and Beyond UnitedHealthcare POS UnitedHealthcare EPO CVS/caremark Kaiser The Emergency Room copay will increase to $150. The member cost-share will increase by 1%. Effective January 2017, WSSC will contribute 76% towards the monthly premium instead of 77%. The Emergency Room copay will increase to $150. The copay for non-preferred brand name drugs will increase to $90 for a 90-day supply. The Emergency Room copay will increase to $150. The copay for non-preferred brand name drugs at a Kaiser Medical Center will increase to $45 for a 30-day supply and $90 for a 90-day supply. The copay for non-preferred brand name drugs at a Community Pharmacy will increase to $55 for a 30-day supply and $110 for a 90-day supply. Highlights of Plan Changes for 2017 2