My Health. My My Health. My Life.Life.

Open Enrollment: October 1 – October 17Open Enrollment: October 1 – October 17

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Why is your health important to Why is your health important to you?you?

3What you can do …What you can do …

Get involved in your health

Knowledge is power – learn about your risks

Take advantage of services available to support you

Did You Know? Nearly 80% of disease in this country is preventable.

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Making decisions about your Making decisions about your benefitsbenefits

Open enrollment is a time to decide which options best meet your needs

Benefits: health, dental, vision, reimbursement accounts

Did You Know? Collectively, benefits represent an

additional 20 - 25 percent of your compensation.

25%Benefits

75%Salary

5Duke’s Health PlansDuke’s Health Plans

Duke offers 4 plans to meet the diverse needs of faculty, staff and their families.

Consider: cost, coverage, physician network, dependents, etc.

Did You Know? For those enrolled in Duke Select and Duke Basic the

provider network will continue to expand in Wake County.

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Individual Family

  2007 2008 2007 2008

Duke Basic $20.97 $20.97 $212.20 $212.20

Duke Select $53.48 $54.55 $318.73 $325.10

Blue Care $88.07 $89.83 $398.56 $406.53

Duke Options $84.94 $86.64 $392.50 $400.35

Improving health impacts cost Improving health impacts cost

The projected premium increase nationally is 5 times higher than Duke’s very small average premium increase.

$0 – $1.76/month $0 – $7.97/month

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Comparing the Cost of Health Comparing the Cost of Health CareCare

Did You Know? In 2006, the average medical claims cost per Duke

employee was $5,298, most of which was covered by Duke.

8Pharmacy BenefitsPharmacy Benefits

No increase in pharmacy co-pays

Decrease in co-pay for diabetic insulin andsupplies – savings of up to $1,200/year

Did You Know? Typically, generic drugs cost 30 percent to 60 percent less than the brand-name drug.

9Duke’s Vision Plan for 2008Duke’s Vision Plan for 2008

No increase for premiums in 2008.

Premiums from $8.85 for individual coverage and $27.47 for family coverage.

Vision Plan: provides coverage for prescription lenses and frames or contact lenses (in lieu of eyeglasses), as well as a complete annual eye exam.

10Duke’s Dental Plans for 2008Duke’s Dental Plans for 2008

No increase in premiums for Dental Plan B.

Premiums for Dental Plan A will increase $1.24/month for individual coverage and $3.75/month for family coverage.

Individual Family

  2007 2008 2007 2008

Dental Plan A $29.69 $30.93 $89.92 $93.67

Dental Plan B $10.88 $10.88 $40.40 $40.40

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Save with Reimbursement Save with Reimbursement AccountsAccounts

Pre-tax savings is about $30-$40 for every $100 of eligible expenses

Health Care Reimbursement Account

Dependent Care Reimbursement Account

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Reimbursement Account Reimbursement Account ExamplesExamples

13Reimbursement Made Easy Reimbursement Made Easy

Pay at point of sale

Works like a debit card … deducts pre-tax dollars from your reimbursement account

Helps reduces paperwork of filing claims, waiting for reimbursement

Did You Know? Despite being one of the best ways to save money on health care expenses, only 18 percent of eligible faculty and staff take advantage of the Health Care Reimbursement Account.

14TimelineTimeline

Aug. – Sept.: Meetings with managers

September: Articles in Working@Duke and INSIDE Duke Medicine.

Sept. 17: Open enrollment packages mailed.

Sept. 24 - Oct. 12: Information sessions

Oct. 1 - Oct. 17: Open enrollment period

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Manager’s Role – Deliver 4 key Manager’s Role – Deliver 4 key messagesmessages

1. Your health is important – take advantage of available benefits and services – start by taking your health risk assessment

2. Duke’s increase for health insurance in 2008 will be 5 times less than increases nationally

3. No increases in co-pays or deductibles for health, pharmacy, dental, or vision benefits – in fact, decreasing diabetic supply co-pay

4. The time to enroll or change coverage will be from Oct. 1 – Oct. 17

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Questions?Questions?