2013 benefits open enrollment guide - Jones Lang LaSalle

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Medical/Rx rates for Kaiser Permanente - Contribution bands (California and Oregon employees) Monthly premiums are based in part on your annual base salary and your role with the company as of October 1: • Band One – National, Regional and International Directors • Band Two – Employees who earn $60,000 or more, with the exception of those who fall under Band One • Band Three – Employees who earn less than $60,000 Note: Commission-eligible employees will fall under Band One or Band Two. Your cost for medical coverage Below are the employee contributions for 2013 medical/Rx plans. You can reduce the cost of your premium contribution by 10 percent if you choose to agree to the Wellness pledge when you enroll for your 2013 medical elections. You can also earn back health care dollars by participating in the HealthWorks program and could earn up to $300 per employee and $300 per spouse/domestic partner. For more information on the HealthWorks program and the Wellness Pledge, please refer to the Benefit Summary Guide on Connect. Below are the medical rates for employees not participating in the Wellness Pledge. Employees who participate in the Wellness Pledge can save an additional 10 percent. Jones Lang LaSalle continues to pay 76 percent of health care costs. Contribution Band EMPLOYEE Medical rates for those employees NOT participating in the wellness pledge. KP STANDARD KP PLUS KP BASIC EMPLOYEE + 1 FAMILY EMPLOYEE EMPLOYEE + 1 FAMILY EMPLOYEE EMPLOYEE + 1 Band 1 92.50 210.79 353.33 91.90 209.40 334.71 72.63 165.35 260.22 Band 2 84.30 192.04 321.62 83.74 190.77 304.69 66.22 150.72 236.97 Band 3 81.74 186.20 311.74 81.21 184.97 295.33 64.22 146.15 229.69 FAMILY Example – If you enroll in the Plus plan with Employee only coverage, Band 2 and do not participate in the Wellness pledge your monthly premium will be $83.74. If you participate in the wellness pledge you can save 10 percent and your monthly premium would be $76.34. That is a savings back in your pocket of $7.40 per month! Imputed income is the term the IRS uses for the amount applied to the value of any benefit or service that should be considered income for the purposes of calculating your federal taxes. Under current IRS provisions, the value of employer-paid medical and dental coverage for anyone who is not your tax dependent (e.g. domestic partner) is considered imputed income and is subject to FICA (Social Security and Medicare), federal income taxes and any other required payroll tax unless the domestic partner meets IRS guidelines as a dependent. Page 26
Kaiser Permanente Prescription drug coverage – California and Oregon Each medical option provides comprehensive prescription drug coverage as described below. All prescriptions must be filled through a Kaiser Permanente pharmacy. • Standard –– Benefits are paid for all prescription drugs before medical deductible is met. –– Prescription drug coinsurance does not count toward your out-of-pocket maximum. • Plus and Basic –– Prescription drug benefits are not paid until you meet your medical deductible. Prescription Drugs Pharmacy/Retail: Generic Pharmacy/Retail: Brand Pharmacy/Retail: Day Supply Mail Order - Generic Mail Order - Brand Mail Order - Day Supply Kaiser Permanente - Oregon + California $10 Co-pay $30 Co-pay 30-day supply $20 Co-pay $60 Co-pay 90-day supply Page 27
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Page 3 and 4: Our approach is simple. Make smart
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Page 7 and 8: subject to the plans coinsurance at
Page 9 and 10: Health Care Reform In 2013, the fol
Page 11 and 12: your claims history for a Step 1 me
Page 13 and 14: Choose carefully The Jones Lang LaS
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Page 17 and 18: Comparing the PPO plans Medical Exp
Page 19 and 20: Health Rewards program for employee
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2013 benefits open enrollment guide - Jones Lang LaSalle

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