enroll exclusively online at 1 enroll exclusively online at

Enroll exclusively online at www.HealthyatTenet.com1

Enroll exclusively online at www.HealthyatTenet.com.


2011 Benefits—If You Remember Only Five Things

1. Almost everybody will spend less through the Health & Savings Plan (formerly HDHP) than under any other option. You’ll receive an additional contribution if you choose it in 2011.

2. The Health Savings Account—funded by Tenet and you—can be used now, next year, OR for retiree medical coverage.

3. Use Tenet facilities whenever available!

4. Nothing is more important than your health and wellness. Use the preventive benefits!

5. Tenet spends FOUR times the amount you do to provide YOUR benefits.

Annual Enrollment – November 8 - 23


Health and Welfare Benefits

• Pre-tax benefits– Medical

– Rx

– Health Savings Account

– Wellness

• Pre-tax benefits (other)– Dental

– Vision

– Spending Accounts

• After-tax benefits– Disability

– Basic & Supplemental Life

– Basic & Supplemental AD&D

– Long-Term Care

– Hyatt Legal Plan


NEW! United Healthcare Network!

• Expanded Network & Minimal Disruption – Almost nobody will have to change doctors

• “Transition of Care” may be available if your physician is out of network– Continue to receive services for specified medical and

behavioral conditions

– For a defined period of time

– With out-of-network health care professionals at network rates

• You must apply for Transition of Care at enrollment, or no later than January 30, 2011.

UHC Contact Information

Access UHC provider directories on www.HealthyatTenet.com or by calling UHC Member Services at 1-877-690-9994.


2011 Medical Plans

• EPO– Exclusive Provider Organization– Highest premium (regardless of usage)

– No Deductible– Co-pays ($)– Unlimited Co-pays

• PPO – Preferred Provider Organization– Lower Premiums– Moderate deductible– Coinsurance (%)– Out of pocket max - $4,000 to $12,000

• Health & Savings Plan– High Deductible Health Plan– Lowest Premiums– Highest deductible– Coinsurance (%)– Health Savings Account eligible– Steerage to Tenet facilities– Out of pocket max - $5,200 to $10,400

All three plans:• Have the same physician network

• Cover the same procedures• Require the same pre-authorization• “More expensive doesn’t equate to

better care”

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2011 Employee Contributions

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EPO $800 PPO HSP

Employee Only $51.28 $18.77 $12.36

Employee + Child $109.48 $39.39 $26.39

Employee + Spouse $187.88 $69.80 $45.28

Employee + Children $166.36 $59.71 $40.10

Employee + Family $259.47 $92.83 $62.54

2011 Bi-Weekly Medical & Rx Contributions (Full time only)


Medical Plan

You pay larger monthly premiums

Care Provider

s

Plan pays most of

cost when you need

care

You pay a smaller amount when you need care

Health – How does it work?Traditional Health Plans (PPO, EPO):

Health & Savings Plan:

You

Emphasize insurance-style coverage

Balances savings and insurance-style coverage

You

Medical PlanYou pay smaller

monthly premiums

HSA

You save money in an HSA

Care Provider

s

Plan pays part of cost

when you need care

You can use HSA for your share of qualified medical expenses

$ save $$ save $


Health & Savings Plan

HDHP and HSA = The Health & Savings Plan

What’s the same compared to other Tenet Plans?

• Comprehensive coverage for health care services

• Full coverage for preventive services

• Highest coverage when using a Tenet facility

• Financial protection from catastrophic illness or injury

• Tenet pays a significant share of the cost

What’s different?• How you pay for coverage

– Premium costs are different

– Deductible and co-pay/coinsurance amounts are different

• Health & Savings Plan includes a savings component– For 2011 - Tenet provides an

HIGHER annual contribution to your HSA of $950 employee only, $1,900 family

– Wellness Incentives are higher on the HSP

Why is this plan the best?


EXAMPLE: Family Coverage in Health & Savings Plan

PREVENTIVE CARE

Many services covered at 100% without co-

payment or using HSA

HEALTHSAVINGSACCOUNT

EmployeeContributions

Up to $6,150 per year

(Includes$1,900-$2,400

HSAfunded by

Tenet)

PLAN PAYS 100% OF COVERED CHARGES

after you reach your annual out-of-pocket maximum

ANNUAL DEDUCTIBLE$2,400 (Family)

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YOUR COINSURANCE10%-50% (In-Network)60% (Out-of-Network)

ANNUAL OUT-OF-POCKET MAXIMUM$10,400 (In-Network)

Your share of the out-of-pocket maximum = $8,000

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Medical: 2011 HSP w/HSAPay for expenses Now OR Save to Pay For Retiree Medical

• Health Savings Account (HSA) advantages– Tenet contributes to your account

– Earn 2010 Wellness incentive $250 employee & $250 spouse

– Carry over remaining money year to year

– Money in your HSA is yours to keep

– Earnings on your account grow tax-free*

– Eligible distributions are never taxed.

– You may contribute through pre-tax deductions*• Up to $3,050 for employee-only coverage

• Up to $6,150 for coverage that includes dependents

• Catch-up contributions if age 55 or older (maximum) – add $1,000 to above

*State taxes may or may not apply. See your tax advisor for more information on the state tax implications on HSAs.


Medical: 2011 HSP w/HSA

• Health & Savings Plan (HSP) considerations– Certain preventive coverage paid entirely by plan

• Not subject to the deductible

– Certain preventive prescriptions not subject to the deductible

– For other services, must meet deductible before plan begins paying

• $1,200 individual, OR

• $2,400 family

– Non-preventive Rx is applied to the deductible

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This is your Retiree Medical Benefit!!!


Potential Health Savings Account Growth

$1,000 $2,000 $3,000

After 1 year $1,020 $2,040 $3,085

After 5 years $5,562 $11,621 $17,741

After 10 years $13,236 $27,886 $42,624

After 20 years $39,093 $82,696 $126,471

Account growth

Hypothetical Annual Account Contribution

Hypothetical example assumes annual contribution amounts as stated above made on Jan. 1 each year until 1, 5, 10 and 20 year periods. Assumes tax-deferred you receive 2% investment growth on funds in the default account and that once the balance in this account reaches $2,500, excess funds will earn 7%. Assumes compounding in an HSA. Final balances prior to any eligible medical expenses and taxes may be due on distribution. Actual returns will be based on actual returns within the HSA.Source - Fidelity


Deductible covered in 2011

Employee Only

Deductible HSA Seed *Wellness Opportunity

Remaining DeductibleSign-on Ongoing

2011 $1,200 $450 $500 $250 $0- $250

Family

Deductible HSA Seed *Wellness Opportunity

Remaining DeductibleSign-on Ongoing

2011 $2,400 $900 $1,000 $500 $0 - $500

*2010 Wellness incentive opportunity; funded to HSA in January 2011


What is the 2011 employee financial model?

Plan Employee Only Employee and FamilyHSP with HSA $950 $1,900

$800 PPO $0 $0EPO $0 $0

Employer Contributions to the HSA* (A)

Average Employee Out of Pocket Expenses (C)Plan Employee Only Employee and Family

HSP with HSA $750 $1,200$800 PPO $900 $1,600

EPO $400 $1,200

Plan Employee Only Employee and FamilyHSP with HSA $321 $1,626

$800 PPO $488 $2,414EPO $1,333 $6,746

Employee Premiums (B)

Average Employee Net Cost (B) +(C) – (A)Plan Employee Only Employee and Family

HSP with HSA $121 $926$800 PPO $1,388 $4,014

EPO $1,733 $7,946* Doesn’t include added value of wellness incentive

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$7K savings


2011 Wellness Incentives

Wellness Incentives – 2011 PlanParticipation Level – Wellness Credits

Health Plan

HSP Other (including opt-out)

Employee Spouse(1) Employee Spouse(1)

Bronze – 50 (a) $150 $150 $100 $50

Silver – 100 $250 $250 $200 $100

Gold – 150 (b) $350 $350 $250 $150

Platinum - 200 $450 $450 $300 $250

Incentive Type Contribution to HSA Taxable cash

(a) Health Assessment required to achieve bronze level and above(b) Annual physical required to earn gold level and above

(1) Only spouses that are covered under one of Tenet’s medical plans are eligible to receive the wellness incentive.

Note: 2011 incentives are earned in 2011 and paid/funded in 2012. The wellness program and incentives are reviewed and updated annually. All employees can join Wellness challenges, issue their own challenges to co-workers, track results and have fun living healthy! California union employees can participate in the HealthyatTenet Wellness Program but are not eligible for the Wellness Incentives.

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Plan Design Changes

• Work Here…Receive Care Here….For your Health, Family and Future– Services in a Tenet facility

• HSP / PPO - plan pays 90% (after deductible in HSP)• EPO - $250 / $500 co-pay• Improved benefits for CMA physicians (90% instead of 80%)

– New Non-Tenet 2011 Coverage….If you don’t receive care here but could have.• Non-Tenet In-Network Services paid at 50% (after deductible)• Non-Tenet Out-of-Network Services paid at 40% (after

deductible)– New for 2011 - If you can’t receive care here

• Emergency, if the service isn’t offered at a Tenet facility, or the facility is further than 45 miles from your home

• Same coverage as if you received care at a Tenet facility!


2011 Rx Plan Simplification

2011 Proposed Plan Design

Retail – 30 Day Supply

Generic $5

Formulary Brands 35% with $30 min/$100 max

Non-Formulary Brands 50% with $40 min/$150 max

Mail – 90 Day Supply

Generic $10

Formulary Brands 35% with $75 min/$200 max

Non-Formulary Brands 50% with $100 min/$300 max

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– Out-of-pocket costs are applied to HSP deductible

– Prescriptions are qualified HSA and HCSA (FSA) expenses


Health Care Reform Changes

• Dependent children under age 26 will be eligible for health care coverage, regardless of student status– Special enrollment rights apply to:

• A dependent child between the ages of 19 up until 26, who you were previously unable to cover in the Tenet medical plans due to student status or age limitations

– Extended enrollment period through December 8

– Enroll online through November 23rd. After November 23rd call My Benefits Customer Support Center to add eligible individuals during the extended enrollment period

– Birth certificate required

• Over-the-counter medications must be prescribed by a doctor to qualify as eligible expenses under the Health Savings Account or Health Care Spending Account

• Mental Health Parity Act - Mental health & substance abuse claims will be paid at the same reimbursement level as Tenet Hospitals


www.HealthyatTenet.com

Look for the Annual Enrollment Banner

Quick access to:

• What’s New

• Medical Plan Comparison

• Tools—Use the Medical Expense Estimator to see if the HSP saves you money (it does for employees in almost any situation).

• HSP Video—Explore the HSP ……AND EARN 5 WELLNESS CREDITS to start off 2011.

• HSA Mythbusters

• FAQs—Find quick answers to your benefits questions

Enrollment Steps

Enrollment Exclusively Online


Tips• Evaluate your needs for benefits

– Planning could save you thousands

• Utilize tools available via HealthyAtTenet

– Medical Plan Estimator; Health Savings Account Value Modeler

• Use Tenet Hospitals & outpatient centers to lower your out of pocket expenses

• Make healthy living a priority!

– If you or your covered dependent smoke, quit now!

– Preventive benefits: the most underused and potentially valuable set of benefits we offer

• Earn your Wellness Incentive

• Enroll by the deadline!

• Look for information during the year on SMART PLAN USE


Tenet Benefits Strategy

Simply the best medical coverage for a lifetime

Create a culture of employee health and wellness…. engage in understanding and manage your health and your family’s

Promote employee financial health and savings….for now and the future

enroll exclusively online at 1 enroll exclusively online at

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