H.B. Fuller Company
2012 Open Enrollment:
Helping you Buy Well, Use Well, Be Well
October 2011
2012 Plan Change Overview
 Market 500 Plan eliminated
 No other plan design changes
 Medical premiums increased 2.5%
 Dental premiums increased 4%
 Slight increase in HSA limits
 Added Teladoc program
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2012 Medical Premiums
Medical
Value 750
2012
Employee
Employee + 1
Family
Dental
Employee
Employee + 1
Family
2011
$32.52
$71.55
$108.81
2012
High Deductible
2012
2011
$29.81
$65.57
$99.82
2011
$4.92
$9.84
$14.76
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Medical Plan Comparison
Value 750
HDHP
$750 Individual
$1,500 Family
$2,000 Individual
$4,000 Family
Out-of-pocket
maximum*
$3,500 Individual
$7,000 Family
$4,000 Individual
$8,000 Family
Company HSA
Contribution
NA
$500 Individual
$1,000 Family
20% after deductible
20% after deductible
$40
N/A
$10
Min $25/Max $50
Min $50/Max $100
Max $200
20% after
Deductible
Deductible
Co-insurance
Office visit co-pay
Prescriptions:
-
Generic
Brand (30%)
Non-Formulary (50%)
Specialty (50%)
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Do You need to enroll this year?
Yes, but only if:
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You are currently in the Market 500 Plan, or
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You want to change any of your benefits, or
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You have a High Deductible Plan and want
to put money into a Health Savings Account
through payroll deduction, or

You want to put pre-tax money into a
Flexible Spending Account for Health Care
or Dependent Care
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When to Enroll
Enroll between October 25 and November 7
 Enroll online or enroll by phone with Benefits
Connection
 2012 Enrollment Guide is being sent out with the
Fall Newsletter this year
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Resources and Tools
For help with your benefit plan questions:
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Fall 2011 For Your Benefit newsletter
2012 Open Enrollment Guide
Aetna Navigator (medical and dental plans)
Aetna’s Plan Selection and Cost Estimator Tool
Benefits Connection Service Center
Aetna Service Center
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Confirm your Benefits
You are responsible to ensure that your benefits
are correct. To do so:
 Review the Confirmation Statement that you
will receive in early December.
 December 14 is the deadline for making
corrections.
 Review your first pay stub in the new year to
make sure the deductions are correct.
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Cost of Health Care
Actions you can take that may help reduce medical
costs:
• Get your preventive care
• Participate in wellness programs
• Enroll in most cost-effective plan for you
• Switch to generic drugs
• Use the prescription mail order program
• Take advantage of tax-advantaged health
savings accounts (HSAs) and flexible spending
accounts (FSAs)
• Use the right medical care provider for the
right situations
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Reminder on Cost of Care
• Average cost per visit:
• Emergency room - $550-750
• Regular doctor’s office - $110-150
• Urgent Care - $50-$100
• Teladoc - $38 (paid by the Company)
• Nurse Line consult - $0
Aetna’s DocFind has a link for alternatives to the ER
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Who And What Is Teladoc?
Teladoc is:
• A resource to help resolve routine medical
issues
• A national network of board certified doctors
• Available 24/7 for urgent-care consultations
• Phone and/or online access to medical care
• NOT a replacement for your primary care
physician
• NOT an Aetna program
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When to Use Teladoc
Use Teladoc:
• If you need care now that doesn’t require
an ER (no blood, no breaks, no chest pain)
• If you get sick when traveling
• In inclement weather when you can’t get
out to see your doctor
• When you can’t get an appointment with
your primary care physician
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Why Use Teladoc?
Advantages/Benefits:
• Healthcare made simple and on your terms
• Less time away from work or family
• Helps quickly treat common issues like
Bronchitis, Allergies, Pink eye, Cold and flu
symptoms, Ear infection, Pediatric care
• Assistance is available in other languages
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How Do I Use Teladoc?
To get started:
• Set up an account online or by phone
• Complete medical history disclosure
(online, paper, phone)
When you are ill:
• Contact Teladoc (phone or online)
• Teladoc physician will review your
information and contact you about your
symptoms
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Teladoc vs. Nurse Line
Use Teladoc if:
• You may need a prescription
• You want a diagnosis
Use Nurse Line if:
• You want to check symptoms
• You’re not sure if you need to see a doctor
• You want to discuss a medical issue that
doesn’t need a diagnosis
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Disease Management
This program helps you learn how to:
■ Get the treatment and preventive care you
need
■ Understand and follow your doctor’s
treatment plan
■ Better manage your ongoing conditions
■ Make changes to reach your personal health
goals
■ Identify and manage your risks for other
conditions
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Disease Management
You can be referred to the program through:
■ Your doctor
■ Aetna patient management systems
■ Medical and pharmacy claims data
■ Self-referral
If your doctor or Aetna refer you to the program,
you will receive a phone call from an Aetna
nurse. If you want to do self-referral, you will
need to call Aetna. In either case
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Disease Conditions
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Brain and old age
> Geriatrics
> Migraine
> Seizure disorder
> Parkinsonism
Digestive
> Heartburn/GERD
> Peptic ulcer disease
> IBD, Crohn’s disease and ulcerative colitis
> Chronic hepatitis
Kidney
> Chronic kidney disease
> End-stage kidney disease
Other
> Hypercoagulable (increased blood clotting)
> Sickle cell disease (adult and child)
> Cystic fibrosis
> HIV (human immunodeficiency virus)
> Weight management (adult and child)
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Lungs
> Asthma (adult and child)
> COPD (chronic obstructive pulmonary disease)
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Heart and blood system
> Heart failure
> Diabetes (adult and child)
> Coronary artery disease
> Peripheral artery disease
> High blood pressure (adult and child)
> Cerebrovascular disease/stroke
> High cholesterol
Bones
> Osteoarthritis
> Osteoporosis
> Rheumatoid arthritis
> Chronic low back pain
Cancer
> General cancer
> Breast cancer
> Lung cancer
> Lymphoma/leukemia
> Prostate cancer
> Colorectal cancer
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2012 Legislative Changes
The following changes take effect for us in 2012:
• Cost of health care will be added to your W-2
for the 2012 benefit year. W-2’s will be issued
in January 2013.
• A four-page summary of your benefits is
required to be sent to your home in March
2013. Legislation is not finalized on this, but we
will let you know more later.
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Thank you for your time!
Questions?
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