Open Enrollment

- 1 -

Enrollment Dates November 10th – November 21st

Open Enrollment

- 2 -

BenefitsDirect Manages benefit enrollment,

communication, and administration for our clients.

We also seek the best voluntary benefits in each class for our client groups.

Assists ProEnergy with overall benefit strategy and solutions to provide best in

class benefit program

Support participants with claim and coverage issues

ProEnergy 2015 Enrollment DatesNovember 10th – November 21st

Desire to make everyone an informed Consumer. “You will learn something New”

Open Enrollment

- 3 -

Being Part of the ProEnergy Team Has its Benefits!

Exciting News and Changes for 2015… Active communication and enrollment of benefits by BenefitsDirect and

CBIZ

No changes to Core Benefit Plan Designs

New and Improved Voluntary Benefits

Open Enrollment

- 4 -

Being Part of the ProEnergy Team Has its Benefits!

Open Enrollment is the time for you to be…. Learn about new and unused options or new wrinkles for you and your

family as part of the ProEnergy team.

Re-evaluating your current benefit elections and make needed changes for the upcoming plan year.

Familiarize yourself with available resources

Asking questions regarding your own specific situation and how these benefits may work in best protecting your financial well being.

Open Enrollment

- 5 -

Group Medical Plan Benefit

Group Dental Plan Benefit

EAP

Vision Benefits

Basic Life/AD&D

Optional Term Life

Voluntary Short Term Disability

Long Term Disability

Flexible Spending Account

Voluntary Cancer/ICU

Voluntary Accident

Voluntary Critical Illness

Voluntary Hospital Indemnity

Today we will cover the following:

Open Enrollment

- 6 -

Group Medical

Providing ProEnergy Employees a

Cost Effective & Comprehensive Plan Design

Healthcare costs nationwide to rise almost

7 – 12% for 2015

Midwest Employers: Cost increase per employee since 2012: 6.5% PE=1.2% Average Plan Copay: $35 PCP/$50-$60 Specialist PE=$30 Average Plan Deductible: $1,000 PE=$575 Made Plan Design Changes to Offset Costs: 70% PE=No changes in 5 yrs Average EE Paid Portion of Family Coverage 29% PE=20%

ProEnergy: Plan Cost Increase since 2011 - 1.2% No Plan Design Changes for 2015! No benefit reductions or cost shifting over the last 5 years! 90% of health plans made significant changes in plan design and/or contribution strategy to offset

costs MEC and MVP Options now available in 2015 for those previously ineligible for medical benefits

Open Enrollment

- 7 -

Traditional Health PlanPreferred-Care Blue – PPO (Preferred Provider Organization)

No selection of Primary Care Physician (PCP)Coverage In and Out of NetworkNational and International Coverage 24 Hour Nurse Line

Your 2015 Medical Plan

Open Enrollment

- 8 -

www.bluekc.com

BlueKC Member PortalView EOB’sTrack ClaimsReview BenefitsPrint Temporary I.D. cardsOrder permanent I.D. cardsAdded Value ServicesBlue365 DiscountsWell Baby ExamsDiscounts for gym membershipHealth & Wellness ResourcesAlternative Medicine

It’s Not BlueCross.Com

Open Enrollment

- 9 -

Find a Doctor or HospitalLogin as a Member1. Choose your network2. Search by name, specialty3. Designate mile radius4. Search for Pharmacies5. Search for Urgent Care facilities6. BlueKC – Versus BlueCard

Open Enrollment

- 10 -

Routine Preventive Services

In-Network routine preventive services and the related office visit for routine preventive services covered at 100%

• Annual Physicals• Childhood immunizations• Well women exams including mammograms• PSA Tests• Colorectal cancer exams• 2014 My Health Rewards - $25 gift cards for completing your

HRA and BioMetric screening must redeem by November 30th! This program will end this month.

• See our local Walgreens for your flu shot and Zostabvax covered at 100% as well as preventative care above the waist!

• Results from the HRA will be reviewed in 2015

Services MUST be PreventiveServices MUST be done in a different calendar year

.

Open Enrollment

- 11 -

Nurse Line Benefits

Registered nurses ready to take your call 24 hours a day…365 days a year!

Convenient alterative when your doctors office is closed.

Immediate Knowledge.

Open Enrollment

- 12 -

Exclusively For Our MembersBlue365 online resources include:

Tools to help employees make the best choices about their health

Select discounts and savings on products and services they can use to improve and maintain health

Select companies include:

Open Enrollment

- 13 -

PPO – Preferred Provider Organization A health plan that encourages you to seek services from a network of participating providers. A PPO does not require

a Primary Care Physician, referrals to specialists or other healthcare providers.

Annual Deductible Deductible is the amount you pay to providers for services received during each calendar year before Blue Cross Blue

Shield benefits begin. The Deductible runs from January 1 through December 31 and re-sets January 1 the following year. Services provided out side of the doctors office will apply to the deductible.

Coinsurance Coinsurance is the percentage of an Allowable Charge you must pay until you reach the Out-of-Pocket Maximum.

Out-of-Pocket Maximum The Out-of-Pocket Maximum is the maximum dollar amount you pay toward covered services. Once you have paid

the Out-of-Pocket Maximum, the plan pays 100% of covered services for the remainder of the calendar year. This Maximum includes all covered member medical services. Does not include copays and Rx copays.

Copayment A copayment, or copay, is a set dollar amount you pay each time you receive a covered service. Members commonly

have a copayment for doctor’s office, Emergency Room, Urgent Care Visits and prescription drugs. The member pays the copay amount at the time of service.

Terms and Definitions

Open Enrollment

- 14 -

www.bluekc.com In-Network Out-of-Network

Deductible: Individual $575 $1,150

Deductible: Family $1,725 $3,450

Coinsurance (your share): 20% 40%

Inpatient or Outpatient Services

Deductible then 20% Deductible then 40%

Radiology, Hi-Tech Scans Deductible then 20% Deductible then 40%

Office Visits(includes lab services performed in office or network lab)

$30 Deductible then 40%

Urgent Care $30 copay Deductible then 40%

Emergency Room $100 copay then deductible then 20%(copay waived if admitted)

Out-of-Pocket Maximum**: Individual

$2,300 $4,600

Out-of-Pocket Maximum**: Family

$4,600 $9,200

**Out-of-Pocket Maximum does not include copays.

ProEnergy

•Network Utilization = 99.3%

•63% of our members spend less than $500 in claims

Open Enrollment

- 15 -

Prescription Drug Coverage Approximately 17-18 % of claims are from

prescription drugs Smart utilization of your prescription drug

benefits means you save $$ Pharmacies are competing for your

subscriptions - Check with Wal-Mart or Bings for $4 generic prescription drugs

Brand Name Drug (30 day supply ) Cost Copay Plan Pays Generic BrandLipitor $203 $30 $173 $4.00Wellbutrin $679 $30 $649 $6.47

Certain drugs may require prior authorization, have quantity limitations or require step therapy (Generics First). Refer to www.BlueKC.com for additional details.

34 day supply

In-Network Pharmacy

Tier 1: $10

Tier 2: $30

Tier 3: $50

102 day supply (one month free)

Express Scripts Mail-Order

Tier 1: $20

Tier 2: $60

Tier 3: $100

•ProEnergy generic utilization – 84.4% •BCBS Average utilization - 82%•Best in class – 89%

•ProEnergy mail order utilization <3%!

Open Enrollment

- 16 -

Dental InsuranceCost effective/Comprehensive Design

ProEnergy provides a contribution to the Dental plan

Increasing voluntary options – Approximately 40% of employers DO NOT contribute to their dental plan

No changes for 2015

Delta Dental has 15 Premier Dentists and 10 PPO Dentists within a 25 mile radius

Open Enrollment

- 17 -

Plan Features PPO Dentist Premier Dentist Out-of-Network

Diagnostic & Preventive ServicesOral exams, twice per calendar yearBitewing x-rays – limited to one set in any 12 monthsFluoride, once in 6 months for dependents under age 12

100% 100% 100%

Basic Services Oral evaluations (problem focused) limited to one in 12 monthsConsultationsPeriodontics: gum diseases, Endodontics: root canal

90% 80% 80%

Major ServicesImplants, once in 10 yearsCrowns, jackets, labial veneers, inlays and onlays when required for restorative purposes, once in 10 yearsProsthetics – bridges and dentures, once in 10 years

60% 50% 50%

Orthodontic Services 50% 50% 50%Calendar Year Deductible(applies to Basis and Major Services Only) $50 per person / $150 family limitCalendar Year Benefit Maximum $1,000 per personLifetime Orthodontic Maximum $1,000 per child

Dependents are covered through the end of the month in which they turn age 26

Delta Dental

Open Enrollment

- 18 -

Delta Dental PPO network will provide the highest level of benefits for covered services when care is received from a Delta Dental PPO dentist.

These dentist agree to:– Accept payment based on a reduced fee schedule, with no balance

billing–reducing your out-of-pocket expenses.– Submit dental claims for members and abide by Delta’s policies.– Charge members only their deductible, co-insurance, and costs for

non-covered services at the time of visit because Delta Dental pays the dentist directly.

Your out-of-pocket expenses will be lowest when you see a Delta Dental PPO dentist.

Delta Dental Networks - PPO

Open Enrollment

- 19 -

Delta Dental Networks - Premier

Delta Dental Premier offers you greater access to dentists while still offering the advantages of a network. These dentists have participating agreements with Delta Dental which require them to:– Accept payment based on Delta’s contractual agreement – which means

no balance billing for charges that exceed the contracted amount.– Submit dental claims for members and abide by Delta’s policies.– Charge members only their deductible, co-insurance, and costs for non-

covered services at the time of visit because Delta Dental pays the dentist directly.

Find Your Network Providers Online at: www.Deltadentalmo.com By phone: 1-800-392-1167

Open Enrollment

- 20 -

If you receive services from a non-participating dentist (does not participate in either PPO or Premier network) benefits for covered services are based on the maximum plan allowance:– You will be responsible for filing your own claim forms.– Delta Dental’s benefit payment will be made directly to you.– You will be responsible for the difference between the dentist’s

charge and Delta Dental’s maximum plan allowance.

Out of Network

Important Tip!Your out-of-pocket expenses may very likely be more when you use a non-participating dentist.

Open Enrollment

- 21 -

EAP – GuidanceResources ProgramBenefits available 24/7

800.311.4327 or GuidanceResources.com Web ID GEN311

Confidential Counseling on Personal Issues (telephonic)Legal Information, Resources and ConsultationFinancial Information, Resources and ToolsOnline Access

Cost: IT’S EMPLOYER PAID!

Open Enrollment

- 22 -

Two types of flex accounts being offered:

What is a FSA?

Medical Reimbursement FSA

Dependent Care FSA

*Enrollment Form Required

Flexible Spending Accounts (FSAs) allow you to set aside money from your paycheck on a pre-tax basis to pay for medical and child care expenses. Most people can save at least 25% on each dollar that is set aside, for expenses they are paying for anyway!

New Provider - Flex Made Easy

Open Enrollment

- 23 -

FSA Savings ExampleWithout FSA With FSA

Gross Pay $35,000 $35,000FSA Contribution (Health Care & Dependent Care)

$0 -$2,500

Taxable Income $35,000 $32,500Taxes (Fed, State & FICA) -$10,500 -$9,750

Out-of-pocket Expenses -$2,500 -$2,500

Reimbursement from FSA $0 $2,500

Take Home Pay $22,000 $22,750

You Save $750 per year by using a FSA!

Open Enrollment

- 24 -

Medical Reimbursement FSA

• With rising healthcare costs, every penny counts.

• Elect pre-tax dollars to be used toward eligible healthcare expenses.

• Annual contribution is 100% available on the first day of the Plan Year.

• $2,500 maximum contribution per year

• If you do not use the money you contributed you are allowed to carry $500 of unused dollars forward and use in the next plan year. Any amount over $500 will not be refunded to you. Big change to the “Use it or lose it”

Open Enrollment

- 25 -

Eligible Expenses

• Co-pays and deductibles• Medical office visits• Prescription drugs• Dental/orthodontia care• Vision care• Vaccinations• Smoking cessation

programs• Mileage to-from doctor

appointment

Ineligible Expenses

• Insurance premiums• Cosmetic procedures• Personal hygiene products• Vitamins/supplements• Diet products/food• Health club fees

For a more detailed list go to www.FlexMadeEasy.com

Open Enrollment

- 26 -

Dependent Care FSA

Elect pre-tax dollars to pay for eligible dependent day care services generally used for work related child care expenses, but you can also use these funds to pay for work related expenses for older tax dependents who are not capable of self-care.

Up to age 13 / Child or Adult who is physically or mentally incapable of caring for him/her if the care will allow participant & spouse to work

$5,000 per household, per calendar year max

Eligible Expenses• Daycare expenses• Before and after school care• Nanny expenses• Nursery school• Registration fees• Elder care

Ineligible Expenses• Tuition• Transportation• Activity fees/supplies• Field trips • Overnight camps

Open Enrollment

- 27 -

Access your funds by:

Debit Card • Use at point-of-service for qualified health care expenses• Great for co-pays, prescriptions & other eligible out-of-pocket

expenses not covered by the health plan• Two cards will be sent to each enrollee• Always keep your receipts for FME or IRS verification

• Traditional Claims reimbursement• Explanation of Benefits (EOBs) & reimbursements

for Health Care• Payments made daily• Check reimbursement or Direct deposit

FSA Claim

Open Enrollment

- 28 -

Through either FlexMadeEasy.com or FME Mobile App

You can: Check account balance Submit a reimbursement request Print forms Sign up for direct deposit

Open Enrollment

- 29 -

Plan Features In-Network - Copays Out of Network Frequency

Wellness Exam: Focuses on your eyes and overall wellness

$10 Copay Up to $50 Every calendar year

Prescription Glasses $25 Copay Up to $70

Frames:$120 allowance 20% savings on amount over allowance

Included in Prescription Glasses

Included in Prescription Glasses

Every OTHER calendar year

Lenses:Single vision, lined bifocal, and lined trifocal lensesPolycarbonate lenses for dependent children

Included in Prescription Glasses

Single Lenses: up to $50

Lined Bifocal: up to $75Lined Trifocal: up to $100

Every calendar year

Lens Enhancements:• Standard progressive lenses• Premium progressive lenses• Custom progressive lenses

$50 $80 - $90

$120 - $160Up to $75 Every calendar year

Contacts (instead of glasses):• $120 allowance for contacts & contact

lens exam (fitting and evaluation)• 15% savings on contact lens exam

(fitting & evaluation)

$0 Up to $105 Every calendar year

VSP Plan Benefits

Open Enrollment

- 30 -

Local Providers:

Physicians & Surgeons Optical Service

Barbara L Knight

Sedalia Optometric Clinic

Sedalia Eye Assoc

Family Eyecare

Eye Clinic

Vision Health Eyecare Center

Important Tip! Maximize Your Vision Plan Benefits By Only Using an In-Network Provider!

Open Enrollment

- 31 -

Exam/Eyewear Without VSP With VSP Out of NetworkEye Exam $154 $10 copay $104

Frame $120 $25 copay $50

Single Vision Lenses $86 Included in Prescription Glasses

$36

Anti-reflective Coating $110 $61 $71

Photochromic Adaptive Lenses

$103 $62 $72

Total $573 $158 $333

Eye exams is one of the most important exams you can do for your over all health. They'll look for signs of health conditions like diabetes, high cholesterol, high blood pressure,

glaucoma, and macular degeneration.

Vision Insurance Savings Potential*

Open Enrollment

- 32 -

Basis Term Life AD&D

Employees are covered for

$35,000Additionally, you will receive Accidental Death and

Dismemberment (AD&D) coverage in the amount of $35,000. Please be sure your beneficiary information is up to date for all life insurance coverage.

Cost: IT’S EMPLOYER PAID!

Open Enrollment

- 33 -

Optional Term Life Insurance Do you have enough Life Insurance???

Burial Expenses

Income Replacement (3-10 years)

College Tuition for Kids

Debts to Pay Offo Mortgage

o Any Outstanding Debts

Nearly 50%... NO Life

Insurance at All!

33

Important Tip!When selecting coverage, think about the people you love and the people that you owe!

Open Enrollment

- 34 -

Optional Life Insurance• Employee’s $10,000 - $1,000,000 of coverage (Not to exceed 7 Times Salary)

• Employee’s Guaranteed Issue (Initial Eligibility Period Only)

• Up to $200,000

• Spouse’s $5,000 - $250,000 of coverage (Not to exceed 50% of Employee)

• Spouse’s Guaranteed Issue (Initial Eligibility Period Only)

• Up to $50,000

• Children Guaranteed Issue (Initial Eligibility Period Only)

• Age 14 Days-19 Year (26 if Full-Time Student): $10,000

• 46 year old Male $0.260 per $1,000 vs. $2.07 per $1,000 of 10 yr term

• 28 year old Male $0.500 per $1,000 vs. $1.29 per $1,000 of 10 yr term

• 35 year old Female $0.100 per $1,000 vs. $1.29 per $1,000 of 10 yr term

Open Enrollment

- 35 -

Short Term DisabilityBenefits and Features

The Short Term Disability plan pays a benefit of 60% weekly earnings to a maximum of $1,000 per week.

Benefits begin on the 15th day of a covered disability resulting from an accident or sickness, and payable up to a maximum of 11 weeks for any one covered disability.

Cost: $3.65 per week**Examining salary-based contributions in the future**Must use vacation time first

Portion will be tax free and a portion will be taxed

Open Enrollment

- 36 -

Benefits and FeaturesEach employee is provided up to 60% of his or her earnings

not to exceed $15,000 per month.

Benefits begin on the 90th day – to age 65 or SSNRA

Coordinating benefits with same provider make for an easier transition from Short Term Disability to Long Term Disability

Cost: IT’S EMPLOYER PAID!

Long Term Disability

Open Enrollment

- 37 -

The Impact of Disability

Many people believe that their biggest asset is their home.

For most of us, our biggest asset is the ability to work and earn an income.

Not being able to work – due to a disability can be financially devastating.

How likely is it that you will become disabled?

30% of all Employees between the ages of 35 and 65 suffered a disability lasting at least 90 days.

Potentially a buy up option next year

Long Term Disability

Open Enrollment

- 38 -

New Provider - Supplemental Insurance Benefits

Voluntary Benefits that are designed to pay YOU cash when you need it most

• 2009 Harvard University Study – Bankruptcies in America• Health Insurance does not cover all costs in a serious injury or illness• Being part of the ProEnergy Team Means You Receive Better Benefits:

• Best in Class Approach• Underwriting Concessions• Group Rates

Open Enrollment

- 39 -

New Provider - Cancer InsuranceUnderwritten by Loyal American Life

• 1 in every 2 American Men&

• 1 in every 3 American Women

American Cancer Society Statistic:

Cancer will strike…

Treatment is often done:

• OUT-OF-STATE

• OUT-OF-HOSPITAL

“We are winning the battle against this dreaded disease today now more than ever before in history, but often at a great personal financial toll”

Cancer is the second leading cause of death in the United

States

Open Enrollment

- 40 -

Cancer Plan Comparison   

AFLAC Classic Cancer Care Series A78300

  Loyal

     American

Cancer Wellness Benefit   $75   $100

Initial Diagnosis Benefit   $4,000; Child $8,000   $5,000; Child $7,500

Chemotherapy Benefit   $600 per week   $10,000 per calendar year

Radiation Therapy Benefit   $350 per week   $10,000 per calendar year

Stem Cell Trasplantation Benefit   $7,000 lifetime max   $15,000 lifetime max

Surgical/Anesthesia Benefit   $100 - $3,400   $100 - $4,000

Skin Cancer Surgery Benefit   $35-$400   $125 - $750

Surgical Prosthesis Benefit   $2,000; lifetime max $4,000  $2,000; if surgically implanted breast

then actual charges.

Reconstructive Surgery Benefit   $220 - $2,000   Actual charge up to $3,600

Transportation Benefit   $.40 per mile, max of $1,200   $.50 per mile, no lifetime max

Lodging Benefit   $65 per day; 90 days per year   $75 per day; 100 days per yearColony Stimulating Factor/

Immunoglobulin  Not Covered   up to $1,000 per month

Intensive Care Unit - Any Illness or Injury

  Not Covered   Available Rider

Plan Rates - Weekly        

Individual   $7.32   $6.48

Insured and Spouse   $12.45   $10.98

One-Parent Family   $7.32   $7.94

Two-Parent Family   $12.45   $10.98

Open Enrollment

- 41 -

New Provider - Accident InsuranceUnderwritten by Lincoln Financial

Accidents Happen: Nearly 40% of self-reported episodes of injury leading to

hospitalization occurred during sports or leisure activities, and 44% occurred in or around the home.

-National Center for Health Statistics

Open Enrollment

- 42 -

Accident Plan Comparison    Aflac - Level 2   Lincoln Financial - Group Plan

Wellness Benefit 

$60 per year, per insured (after 1st policy anniversary)

  $60 per year, per insured, no wait

Hospital Admission   $1,000   $1,000ICU Confinement   $400 a day; 15 days per accident   $400 per day; no limit

Follow-Up Treatment 

$35 for one treatment per day (6 treatments)

  $50 per follow-up visit (6 treatments)

Alternate Care & Rehabilitative Facility  

 not covered   $100 per day

Blood, Plasma and Platelets / Tranfusions  

$200   $300

Reasonable Accomodations to home/vehicle  

$0   $2,500

Specific Covered Injuries*        Fractures   up to $2,500   up to $5,600

joint replacement 

Not Included   $1,500 non surgery / $2,000 surgery

Dislocations   up to $2,500   up to $4,800Concussions   $50   $100

Additonal Rider Options        Sickness Hospital Coverage   Not Included   $100 per day, up to 30 days

Catastrophic Loss   Not Included   $50,000 Motor Vehicle Accident Benefit   Not Included   $500 per accident, per insured

Plan Rates - Weekly        Individual   $6.66   $4.31

Individual and Spouse   $8.73   $6.61Individual and Children   $9.78   $7.12

Family   $12.18   $10.02

Open Enrollment

- 43 -

New Provider - Critical Illness InsuranceUnderwritten by Loyal American

Critical Illness insurance acknowledges that we're far more likely to survive a heart attack or stroke today than we were just a few years ago in addition to other illnesses.

A quote from The American Journal of Medicine:

"The good news is you're likely to live, the bad news is you're likely to be broke.”

In fact, more than 60% of all U.S. bankruptcies in 2007 were caused by medical bills and 78% of those individuals had health insurance, according to a national study published in The American Journal of Medicine in 2009

Heart Attacks will strike 1 in every 3 American Men and 1 in 4 American Women

Strokes will strike 1 in every 6 American Men and 1 in 8 American Women

Open Enrollment

- 44 -

Critical Illness Plan Comparison

    Aflac Critical Care and Recovery

  Loyal American

     Critical Illness

First Occurrence Benefit Amount  $5,000 Max

 

Employee May Elelect from $5,000 to $50,000

First Occrence Benefit - Spouse   $5,000 Max   50% of Employee Benefit Amount

Re-Occurrence Benefit   $2,500   100% of Elected Benefit Amount

Re-Occurrence Waiting Period   6 Months   6 Months

Covered Illnesses       Cancer   0%   Optional Rider Now Available

Heart Attack   100%   100%

Stroke   100%   100%

Renal Failure   100%   100%

Coma   100%   100%

Paralysis   100%   100%

Severe Burn   100%   100%

Angioplasty   $250   25%

Open Enrollment

- 45 -

Critical Illness Plan - Rate Comparison

IndividualOld Aflac Plan

Loyal $10,000 Benefit

Loyal $20,000 Benefit

18-35   $3.78 $1.37 $2.27

36-45   $5.40 $2.70 $4.68

46-55   $7.35 $4.59 $8.13

56-70   $9.48 $7.21 $12.89

Single Parent        

18-35   $6.48 $1.39 $2.30

36-45   $7.62 $2.74 $4.75

46-55   $9.81 $4.66 $8.25

56-70   $12.90 $7.31 $13.09

Insured & Spouse        

18-35   $7.29 $2.18 $3.51

36-45   $9.48 $4.29 $7.25

46-55   $12.75 $7.30 $12.60

56-70   $17.76 $11.46 $19.98

Family        

18-35   $8.28 $2.18 $3.51

36-45   $10.50 $4.29 $7.25

46-55   $14.04 $7.30 $12.60

56-70   $19.29 $11.46 $19.98

Open Enrollment

- 46 -

New Plan- Hospital IndemnityUnderwritten by Aflac

Hospital care and physician clinical services combined account for over half – 51% of the nation’s health expenditures

-Health Affairs, 2012 The average cost per inpatient day for a hospital stay is $1,910!

-State Health Facts, Kaiser Family Foundation, 2012 Of all Americans, 17% said they experienced serious financial problems due to family

medical bills.-Kaiser Family Foundation, June 2010

Aflac’s Group Hospital Indemnity plan is one the most benefit rich plans offered today.• Provides benefits for both injuries and sickness• Hospital Admission Benefit• Surgical Benefit• And much more!

Open Enrollment

- 47 -

Hospital Indemnity Plan Features

   Aflac Hospital Advantage

A49000 - Option 4  Aflac Group Supplemental Hospital

Indemnity Coverage Plan Initial Hospital Confinement   $1,000   $1,000 Hospital Emergency Room   $100 up to two times per year   $50 up to 5 times per year

Hospital Short-Stay   $100 up to two times per year   $150 per daySurgical Benefit   up to $1,000   up to $1,500

Ansesthesia Benefit   NA   up to $375Physician Visit   $25 per visit   $50 in Emergency Room

Out-of-Hospital Rx   NA   $10 per prescriptionWell Baby Care   NA   $25 per visit, 4 visits per calendar year

Medical Diagnostic & Imaging   $150 once per year   NADaily Hospital Confinement   $100 per day   $150 per day

ICU Confinement   $100 per day   $150 per day

Plan Rates - WeeklyTier   Aflac-Option 4   Aflac Group Hospital Indemnity Plan

Employee   $13.26   $9.42Single Parent   $17.88   $14.39

Inusred & Spouse   $22.20   $18.70Family   $23.43   $23.67

Open Enrollment

- 48 -

Supplemental Plans - Important Features

Existing health issues can’t keep you from getting coverage during the open enrollment – GI offering

Plans pay in addition to all other insuranceBenefits are paid to you, unless directed otherwise Wellness screening benefits help reduce the plan

costs – take advantage You cannot be singled out for rate increasePlans are portable = It can go with you if you leave

or retire from ProEnergy

Open Enrollment

- 49 -

2015 Employee Benefit Contributions

Medical - BlueKC

Current Weekly Rate

2014New Weekly Rate

1/1/2015 Weekly Change Employee $19.07 $19.74 $0.67 Emp/Spouse $33.38 $34.54 $1.16 Emp/Chid(ren) $32.54 $33.68 $1.14 Emp/Family $50.90 $52.68 $1.78

Dental and Vision - Delta Dental & Superior Vision

Current Weekly Rate

2014New Weekly Rate

1/1/2015 Weekly Change Employee $5.00 $5.00 $0.00 Family $10.00 $10.00 $0.00

Short Term Disability - Prudential

Current Weekly Rate

2014New Weekly Rate

1/1/2015 Weekly Change Employee $3.00 $3.65 $0.65

Open Enrollment

- 50 -

Pre-Tax Products

Health, Dental, Vision & Flex

Cancer Insurance

Accident Insurance

Hospital Indemnity

Post-Tax Products

Term Life

Short Term Disability

Critical Illness Insurance

Payroll Deduction Information

Example Qualifying EventsChange in Legal Marital Status

Change in Number of DependentsChange in Employment Status

Gain/Loss of CoverageChange in Status Affecting Dependent Eligibility

Open Enrollment

- 51 -

Key information:

Links to all pertinent information are available at:

www.benefits-direct.com/proenergy

Call (877) 523-0176 Employee Benefits Booklet

Open Enrollment

- 52 -

What now? Schedule your appointment to attend your one-on-one

enrollment session– Schedule online at www.mybenefitsportal.com/proenergy– Call (877) 523-0176– Just say that you are with ProEnergy and would like to schedule

an appointment with a Benefit Counselor– Sign up now!!

Open Enrollment

- 53 -

Your CBIZ TeamSara CarrollSenior Account ExecutiveDirect Line: 800-530-5866 ext 1849Fax: 913-458-5574scarroll@cbiz.com

Heather DeVoreAccount ManagerDirect Line: 800-530-5866 ext 1024Fax: 417-890-7021hdevore@cbiz.com

Your BenefitsDirect TeamTrevor GartnerVice PresidentPhone: 877-523-0173 ext 118Fax: 816-841-3790tgartner@benefits-direct.com

Eric PetersonAccount ManagerPhone: 877-523-0176 ext 136Fax: 816-841-3790epeterson@benefits-direct.com

Who do I contact with questions?