OPEN ENROLLMENT May 15 May 26

OPEN ENROLLMENT May 15 May 26

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What s New & What s Changing Medical Cigna Choice Fund with Health Reimbursement Account (HRA) you now have two HRA compatible health plans to choose from the 1500 HRA with copays and the 2500 HRA plan Cigna Choice Fund with Health Savings Account you now have one HSA compatible health plan to choose from the 2000 HSA plan HRA and HSA Employer Funding If you enroll in one of the Cigna Choice Fund Plans, Bridgepoint will contribute to your HRA or HSA account. The amount placed in the fund is no longer based on your wellness participation, but is prorated based on your enrollment date. Amounts are: $750/year for employee only coverage $1,500/year for employee + dependents coverage Employee Medical Contributions You ll pay $25 less each paycheck for your medical coverage if you completed the health screening and assessment. If you didn t complete it this year, you will have an opportunity to do so in 2018 for the 2018/2019 plan year. You can find employee contribution information when you enroll online. Employee Assistance Program Cigna s Employee Assistance Program (EAP) now offers 5 face-to-face counseling sessions

Cigna 1500 Copay Choice Fund with Health Reimbursement Account (HRA) MEDICAL PLAN FEATURES IN NETWORK OUT OF NETWORK Fund Provided by Bridgepoint (1) Plan Year Deductible (Cross Accumulation in/out of Network) $750 Individual / $1,500 Family $1,500 Individual / $3,000 Family $3,000 Individual / $6,000 Family Plan Year Out of Pocket Maximum (2) $3,500 Individual $3,500 Individual in a family $7,000 Family $7,000 Individual $7,000 Individual in a family $14,000 Family Preventive Care Covered at 100%, no copay 40% after deductible PCP / Specialist Office Visit $25 / $50 40% after deductible X-Ray/Laboratory Standard/Complex 20%/20% (copay applies in physician office) 40% Inpatient Hospital 20% after deductible 40% after deductible Outpatient Hospital 20% after deductible 40% after deductible Emergency Room Urgent Care 20% after deductible 20% after deductible Chiropractic Office Visit (limits apply) $25 or $50 40% after deductible (1) HRA fund cannot be used to pay copay amounts (2) Copays apply to OOP max but not the deductible Refer to the Cigna document for further details

Cigna 2500 Choice Fund with Health Reimbursement Account (HRA) MEDICAL PLAN FEATURES IN NETWORK OUT OF NETWORK Fund Provided by Bridgepoint Plan Year Deductible (Cross Accumulation in/out of Network) $750 Individual / $1,500 Family $2,500 Individual / $5,000 Family $5,000 Individual / $10,000 Family Plan Year Out of Pocket Maximum $5,000 Individual $5,000 Individual in a family $10,000 Family $10,000 Individual $10,000 Individual in a family $20,000 Family Preventive Care Covered at 100%, no copay 40% after deductible PCP / Specialist Office Visit 20% after deductible 40% after deductible X-Ray/Laboratory Standard/Complex 20%/20% 40% Inpatient Hospital 20% after deductible 40% after deductible Outpatient Hospital 20% after deductible 40% after deductible Emergency Room Urgent Care 20% after deductible 20% after deductible Outpatient Visits (Speech, PT, OT) 20% after deductible 40% after deductible Chiropractic Office Visit (limits apply) 20% after deductible 40% after deductible Refer to the Cigna document for further details

Cigna 2000 Choice Fund with Health Savings Account (HSA) MEDICAL PLAN FEATURES IN NETWORK OUT OF NETWORK Fund Provided by Bridgepoint $750 Individual / $1,500 Family Plan Year Deductible (Cross Accumulation in/out of Network) $2,000 Individual $2,600 in a Family $4,000 Family $4,000 Individual $4,000 in a Family $8,000 Family Plan Year Out of Pocket Maximum $4,000 Individual / $8,000 Family $8,000 Individual / $16,000 Family Preventive Care Covered at 100%, no copay 40% after deductible PCP / Specialist Office Visit 20%/20% after deductible 40% after deductible X-Ray/Laboratory Standard/Complex 20%/20% 40% Inpatient Hospital 20% after deductible 40% after deductible Outpatient Hospital 20% after deductible 40% after deductible Emergency Room Urgent Care 20% after deductible 20% after deductible Chiropractic Office Visit (limits apply) 20% after deductible 40% after deductible Refer to the Cigna document for further details

Prescription Benefits w/ HRA or HSA Prescription Coverage In Network Out of Network HRA: Not Subject to Deductible HSA: Subject to Deductible Retail (30 day supply) Mail Order (90 day supply) Free - Certain Preventive Generic Drugs Free- Certain Generic Contraceptives 30% coinsurance - Generic 40% coinsurance - Brand Formulary 50% coinsurance - Brand Non- Formulary Not Covered Preventive Drugs Preventive medications are used for prevention of conditions such as high blood pressure, high cholesterol, diabetes, asthma, osteoporosis, heart attack, stroke, and prenatal nutrient deficiency. Visit www.cigna.com and click on the informed on Reform link for more information. Don t forget to check big box stores like Costco, Target, and Wal-Mart for $4 and $5 generics! Visit www.cigna.com for more information on no charge generic contraceptives.

How does it add up for Ashley? Young Healthy Female Who Visits Her Doctor For a Physical & Minor Symptoms 1500 Copay HRA 2500 HRA 2000 HSA Annual Employee Premium $1,620 $1,161 $1,362 Employer Fund HRA $750 HRA $750 HSA $750 Claims Expenses - $726 HRA Ashley Paid: $686 $40 $0 HRA Ashley Paid: $686 $40 $0 HSA Ashley Paid: $626 $100 $0 Ashley s Total Annual Cost $1,620 $1,161 $1,362 $710 rolls over to 2018 HRA fund $710 rolls over to 2018 HRA fund $650 rolls over to 2018 HSA fund Assumptions: EE Only Coverage / Wellness Participant / In Network Only Preventive visit ($626), 1 Brand Rx 9$100)

How does it add up for Carlos? Young Active Male with Sports Injury 1500 Copay HRA 2500 HRA 2000 HSA Annual Employee Premium $1,620 $1,161 $1,362 Employer Fund HRA $750 HRA $750 HSA $750 Claims Expenses - $2,050 HRA Carlos Paid: $1,110 $750 $190 HRA Carlos Paid: $60 $750 $1,240 HSA Carlos Paid: $0 $750 $1,300 Carlos Total Annual Cost $1,810 $2,401 $2,662 Assumptions: EE Only Coverage / Wellness Participant / In Network Only Urgent Care visit ($750), 6 PT visits ($200) and 1 brand rx ($100)

How does it add up for the Smiths? Young Couple Having Their 1 st Child 1500 Copay HRA 2500 HRA 2000 HSA Annual Employee Premium $4,392 $3,368 $3,864 Employer Fund HRA $1,500 HRA $1,500 HSA $1,500 Claims Expenses - $15,240 HRA Smith s Paid: $9,815 $1,500 $3,925 HRA Smith s Paid: $8,200 $1,500 $5,540 Paid: HSA Smith s $9,000 $1,500 $4,740 The Smith s Total Annual Cost $8,317 $8,908 $8,604 Assumptions: EE Plus Spouse Coverage / Wellness Participant / In Network Only Prenatal visits ($200), Preventive Generic Rx ($40), Delivery ($15,000)

How does it add up for the Nguyens? Healthy Couple with 2 Healthy Teenage Children with Typical Colds and Flu 1500 Copay HRA 2500 HRA 2000 HSA Annual Employee Premium Employer Fund Claims Expenses - $3,100 $6,388 $4,672 $5,595 HRA $1,500 HRA $1,500 HSA $1,500 HRA Nguyen s Paid: $2,055 $870 $175 The Nguyen s Total Annual Cost HRA Nguyen s Paid: $1,180 $1,500 $420 Paid: HSA Nguyen s $6,563 $5,092 $6,195 $630 rolls over to 2018 HRA fund Assumptions: Family Coverage / Wellness Participant / In Network Only 4 Preventive Visits ($250), 3 Brand Rx ($100), 7 Office Visits ($150), 1 Urgent Care Visit ($750) $1,000 $1,500 $600

How does it add up for the Johnsons? 50 Year Old Couple, One with a Chronic Condition and One with an ER Visit 1500 Copay HRA 2500 HRA 2000 HSA Annual Employee Premium $4,392 $3,638 $3,864 Employer Fund HRA $1,500 HRA $1,500 HSA $1,500 Claims Expenses - $9,600 HRA Johnson s Paid: $4,480 $1,500 $3,620 HRA Johnson s Paid: $2,700 $1,500 $5,400 HSA Johnson s Paid: $5,124 $1,500 $2,976 The Johnson s Total Annual Cost $8,012 $9,038 $6,840 Assumptions: ES Coverage / Wellness Participant / In Network Only 2 Preventive Exams ($250), 12 Non-Preferred Brand Rx ($300), 6 Specialist Visits ($400), 1 ER Visit ($3,100)

Finding the Right Care Nurse Line Whether it s the middle of the night, you re away from home, or you re just not sure if you need to call your doctor, Cigna s 24/7 Nurse Line is there for you. Family Doctor Your family doctor is your main point of contact for all of your health care needs. He or she will handle your care, coordinate any treatments, recommend special care if needed. Cigna Telehealth Connection Lets you get the care you need including most prescriptions for a wide range of minor conditions. Urgent Care Urgent conditions are not emergencies, but may need prompt medical attention. Urgent Care centers can handle a variety of conditions that need to be treated right away. MinuteClinic For convenient treatment of minor illnesses or injuries you may use MinuteClinic, the walk-in medical clinic located inside select CVS/pharmacy stores nationwide.

New Cigna EAP As an employee of Bridgepoint Education you have access to the valuable Cigna Employee Assistance Program (EAP) at no cost to you. We re here to listen. Contact us any day, anytime. Call 1.877.622.4327 Or log in to CignaBehavioral.com Have your employer ID handy: bridgepoint Take advantage of a wide range of services: 5 face-to-face counseling sessions with a counselor in your area. Legal assistance: 30-minute consultation with an attorney face-to-face or by phone.* Financial: 30-minute telephone consultation with a qualified specialist on topics such as debt counseling or planning for retirement. Parenting: Resources and referrals for childcare providers, before and after school programs, camps, adoption organizations, child development, prenatal care and more. Eldercare: Resources and referrals for home health agencies, assisted living facilities, social and recreational programs and long-distance caregiving. Pet care: Resources and referrals for pet sitting, obedience training, veterinarians and pet stores. Identity theft: 60-minute consultation with a fraud resolution specialist.

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Ready to Enroll? Visit the Bridgepoint Enrollment Site Go to: bridgepoint.benefitsnow.com Enter your user name and password or Click on First-Time User and follow the Prompts to register Once you are registered/logged in, click on Get Started to enroll in your benefits. The final step is to confirm your elections