2 Important Information AboutYour Benefits for 2018 & Beyond 2018 Benefit Plan Choices Life Insurance MetLife Basic Life/Accidental Death and Dismemberment (AD&D) MetLife Supplemental Life MetLife Dependent and/or Spouse Life Flexible Spending Accounts Benefit Strategies Health Care Account Benefit Strategies Dependent Care Account Legal Services U.S. Legal Services Vision Plans National Vision Administrators Dental Plans Delta Dental PPO Deltacare USA DHMO Medical & Prescription Plans Kaiser Permanente Kaiser Permanente HMO UnitedHealthcare CVS/caremark Choice Plus POS UnitedHealthcare CVS/caremark Select EPO We are very pleased to report again that we experienced an excellent renewal for our medical, pharmacy and dental insurance plans for 2018. We have taken steps over the past several years to ensure we are implementing plan design changes and services to support healthy lifestyles and help manage expenses. Some of these changes and services include our wellness program, disease management, pharmacy adherence and voluntary benefits such as supplemental vision and legal services. We are continuing our commitment to a strategic view of our benefit plans and appropriately managing related costs. It is our goal to demonstrate the value of the benefits plans and how they contribute to talent acquisition, talent retention, talent attraction, productivity and ultimately, organizational performance. Cost management of our health benefit program continues to be a top priority. Efforts have included encouraging members to use preferred providers that emphasize better outcomes and cost savings in high-priority clinical conditions such as diabetes, musculoskeletal health and mental health. Over the next few years, we will continue to seek to improve member engagement, expand the use of analytics and efficiently manage pharmacy costs and utilization. Specialty pharmacy costs continue to remain a top concern as new high-priced drugs come on the market. (Specialty drugs are high-cost prescription medications used to treat complex, chronic conditions like cancer, rheumatoid arthritis and multiple sclerosis.) Specialty drugs often require special handling (like refrigeration during shipping) and administration (such as injection or infusion). To help control these surging costs, we are implementing proven utilization management protocols in 2018. WSSC is steadfast in its goal to improve health outcomes of our members by encouraging them to practice a healthy lifestyle. When we think about the health of our population, people will fall along a specific risk spectrum. Those at the low end of the spectrum may be totally healthy now but at risk for future health concerns and we want to support prevention and early detection of diseases. At the other end of the spectrum are persons managing existing chronic conditions and actively engaged in current and often more expensive health care services. We encourage you to take advantage of screenings and regular examinations to stay on top of current or looming health issues. Establish a strong relationship with your primary care physician. Understand what is communicated to you and ask questions when clarification is needed. Take advantage of the education opportunities your health plan and the MyLife Wellbeing Program, WSSC’s wellness program, offer to learn how to modify your life behaviors such as exercise, weight management, nutrition and tobacco use. MyLife’s Wellbeing Program was designed to offer you “More Choices for a BetterYou.” It offers services and resources that matter to you and meet you where you are to help you manage balance in your daily living. Resources include coaching, onsite advocacy, website, diabetes and nutritional hotlines, webinars, phone apps, classes, screenings and more. Remember, you are your own best advocate to create life-long positive changes. In order to ensure we can continue to offer a comprehensive benefit package in the future, we will continue to regularly monitor the usage of our benefit plans, integrate appropriate strategies within our wellness program and plan for federal and state regulatory requirements that may impact our care and costs. We encourage you to read this booklet to learn more about your benefits, attend one of our Open Enrollment Information Sessions, the Wellbeing Fair and take a proactive role in managing your personal health and wellbeing!