2011 Open Enrollment Update
& UPlan Changes
For Calendar Year 2012
What’s in this presentation?
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Benefit Changes for 2012
2012 Medical and Dental Plan Options
Open Enrollment Basics
Disability Program Changes
Open Enrollment Resources
Flexible Spending Accounts
Other Open Enrollment Information
HealthPartners Information
Wellness Program Highlights for 2012
UPlan Benefit Changes
for 2012
What are the UPlan Benefit
Changes for 2012?
 UPlan Cost Increases
 Change to Single Medical Plan Administrator –
Medica
 Changes for U Classic Plus by HealthPartners members
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Medical and Pharmacy Changes
University Contribution Changes
Relief for Lower Paid Employees
Disability Program Changes
New Wellness Program Points Bank Program
4
Why are Changes Being Made
to the UPlan for 2012?
 UPlan cost increase requirement due to
Minnesota State funding reductions for
University:
 5% of UPlan Medical Program expense
 $12.7 million first year, $11.4 million
ongoing, plus savings from the RFP process
 Shift to employees necessary
 Premium/copays
5
How will the Medical Contribution
Rates Change?
 Cost share for employee-only coverage
 2011: Employee 10% / University 90%
 2012: Employee 13% / University 87%
 Cost share for family coverage
 2011: Employee 15% / University 85%
 2012: Employee 19.5% / University 80.5%
 Medical trend (inflation) increase: 6.5%
 Premium increase due to University contribution shift + trend:
 Insights by Medica – 25.0%
 Base Plans, National & HSA – 34.6%
6
What about the Dental
Contributions?
 Cost share for employee-only coverage
 2011: Employee 10% / University 90%
 2012: Employee 12% / University 88%
 Cost share for family coverage
 2011: Employee 40% / University 60%
 2012: Employee 48% / University 52%
 Dental trend (inflation) increase: 2.9%
 Premium increase due to University contribution shift +
trend:
 19% for all plan options
7
Who will administer the UPlan
medical plans for 2012?
 Selecting a single administrator: MEDICA
 Saves more than $14 million over six years
 Gains uniformity of important variables across UPlan offerings
 Streamlines internal administration
 HealthPartners Medical Group (HPMG) clinics will continue to
be available in UPlan
 All HPMG clinics are Tier 1 in Insights by Medica
 Como, Riverside, etc.
 Limited HPMG clinics in Medica Elect/Essential, Medica Choice
and Medica HSA
 Other U Classic Plus by HealthPartners Providers (Allina, Park
Nicollet, Boynton, UMP, etc.) are available in other Medica Plans
Will our Copays Change?
Copay / Deductible Changes
 Increase in Pharmacy Copays (Generic Plus from $8 to $10;
Formulary Brand from $25 to $30; Non-Formulary from $50
to $60)
 Increase in Office Visit Copays (Base Plans from $11 to $15;
Insights – No change; National from $25 to $30)
 Increase in ER Copay ($75 to $90)
 Increase in Walk-In Clinic Copay ($5 to $10)
 Increase in MRI/CT Scan Copay ($25 to $30)
 Increase in Out-of-Network Deductible (Individual from $500
to $600; Family from $1,000 to $1,200).
Some benefit & contribution changes are subject to collective bargaining.
9
What if I need help paying the
increased premiums for 2012?
•
•
•
•
New, one-year grant program to help lower
income employees offset 2012 medical premium
increases
Premium relief amounts based on medical plan
coverage tier & total household income
Amounts available range from $200 to $450
– Paid as bi-weekly credits on paycheck
Employees apply by submitting application form
& 2010 federal tax form to Employee Benefits
10
2012 Medical Plan Options
What Medical Plans are available
in 2012?
 Medica Elect/Essential – Twin Cities & Duluth
(Base Plan in Twin Cities and Duluth)
 Medica Choice Regional – Greater Minnesota
(Base Plan for Greater MN)
 Insights by Medica (tiered network)
 Medica Choice National (open network)
 Medica Health Savings Account Plan (HSA)
12
How are rates determined for
UPlan Medical options?
 UPlan: self-insured program
 Actuarial consultant: helps set rates
 Costs reflect actual cost of care: for
employees, early retirees, and dependents
 Costs include: Medical and pharmacy
claims, external administrative fees,
special insurance for high claims, internal
costs, FrontierMEDEX, wellness program
13
How is the Base Plan the Key to
Employee Cost?
 For Medical, employees pay:
 13% of Base Plan rates for Employee Only
 19.5% of Base Plan rates for Family Coverage
 Everything above the U’s Base Plan rate contribution for
“buy-up” (higher cost) plans
 Costs vary by Employee/Family tier
 Rate Information:
 U & Your Benefits Newsletter — October & November
2011
www.umn.edu/ohr/benefits/openenroll
2011 Dental Plan
Options
Are the same Dental Plans
available in 2012?
 All Dental options remain the same for 2012
 The base plan choices are:
 Delta Dental PPO for the Twin Cities and Duluth
 Delta Dental Premier for Greater Minnesota
www.umn.edu/ohr/benefits/openenroll
16
What other Dental Plan options
are available in 2012?
 All other plans also remain the same:
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Delta Dental Premier
HealthPartners Dental
HealthPartners Dental Choice
University Choice
Check with Delta Dental or HealthPartners to see whether
your dentist is in the plan you are considering
Note: HealthPartners Dental Plans will continue to be
available!
2011 Open Enrollment Basics
for January 1, 2012
What are the Dates for Open
Enrollment?
 Your annual opportunity to review your
benefit elections: November 1–30,
2011
 Employees make changes online at:
http://hrss.umn.edu/
 Additional information on Employee
Benefits Website at:
www.umn.edu/ohr/benefits/openenroll
19
What Changes Can I Make
During Open Enrollment?
 Add or cancel Medical and Dental
coverage or elect a different plan option
 U Classic Plus by HealthPartners members
must elect one of the Medica plans to
have coverage in 2012
 Add, change, or cancel your dependents
 Elect to participate in the Health Care or
Dependent Daycare Flexible Spending
Accounts
20
What Other Changes Can
Be Made?
 Enroll or increase the amount of Voluntary
Short-term disability coverage without
evidence of insurability
 Elect to participate in Voluntary Long-term
Disability coverage (Civil Service and
Represented Staff employees), or
 Increase or decrease your Long-term
Disability benefit amount
21
Do I have to make changes
during Open Enrollment ?
You need to go online and change your elections:
 If you are a U Classic Plus by HealthPartners
member and want to have medical coverage in 2012
 If you are an FSA participant and want to have an
account for 2012
 If you want to change your Medical or Dental Plan,
or coverage level
 Otherwise, no changes are necessary
 To change your clinic election only, call Medica health
plan directly at 952-992-1814 or 1-877-252-5558
22
Who can I cover on my UPlan
Medical & Dental Plans?
 Yourself
 Your spouse or registered same-sex domestic
partner
 Your dependent child or children to age 26
 Unmarried or married
 But not the spouse of a married child
 Review detailed Dependent Eligibility Definition:
www.umn.edu/ohr/benefits/eligibility/index.html
23
Will I get new cards for 1/1/2012?
 All members will receive a new card from
Medica and from the HealthPartners Dental
Plans
 Only new enrollees will receive cards
from the Prime Therapeutics Pharmacy
Program and Delta Dental Plans
 If you need a new or additional card any
time during the year, contact the health
plan directly and they will issue a new one
24
Will flu shots be
available this year?
 Seasonal Flu Shots will be available this year
 Flu shots will be available at campus flu clinics
and the Employee Health & Benefits Fairs
 Seasonal Flu shots available at all Walk-in Clinics
 No copay for flu shots at your own medical clinic
 Flu shots at retail locations are full price and will
often not be billed to your medical plan
 On the Twin Cities campus: schedule
appointment for flu shot online at:
www.bhs.umn.edu/public-health/flu.htm
What is the Medication Therapy
Management (MTM) Program?
 You are eligible for MTM if you take
 Four or more medications for chronic conditions
 UPlan-paid consultations with MTM Pharmacist
 $10 copay reductions for all Generic Plus and
Brand medications for six months
 Note: HSA members pay full cost of MTM
consultations
 www.umn.edu/ohr/benefits/
26
Disability Coverage
What are the Disability
Program Changes?
 New Disability Administrator - CIGNA
 During the 2011 Open Enrollment, for plan
year 2012 only, you can enroll in or increase
your existing amount of short-term disability
coverage without evidence of good health
 Enroll or make your changes online in
Employee Self-Service by November 30
 In future years, open enrollment amounts will
be limited
When Can I Enroll in
Short-term Disability?
 You can enroll or increase your short-term disability
coverage during this Open Enrollment period without
proof of good health
 You can elect coverage any time during the year but
would be required to submit evidence of good health
 You can elect an amount to replace up to 66-2/3
percent of your salary but no more than $5,000 per
month (Calculation = Annual Salary times 66.67%; divided by 12; rounded
down to nearest $100)
 See website for details on how to apply:
www.umn.edu/ohr/benefits/disability/shortterm
Who can enroll in Long-term Disability
during Open Enrollment?
 Civil Service and Represented Staff Employees
 May enroll in or change the amount of Long-term
Disability during Open Enrollment.
 Maximum Benefit: 60% of salary up to $5,000 per
month. (Calculation = Annual Salary times 60%; divided by 12;
rounded down to nearest $100)
 Pre-existing Condition Limit: Disabilities related to
medical issues during previous 12 months will not
be covered for 24 months.
www.umn.edu/ohr/benefits/openenroll
30
Open Enrollment
Resources
What if I need help with open
enrollment?
 Telephone: 612-624-9090 or 1-800-756-2363
 Option 2 ̶ General benefits questions
 Option 3 ̶ FSA questions
 E-mail: benefits@umn.edu
 Benefit Fairs: Computer help, Plan representatives,
and Employee Benefits staff available to answer
questions
 Computer Labs (Twin Cities): Room 315
Donhowe Bldg.
 November 23, 28, 29, and 30: 8 a.m. to 4:30 p.m.
32
What if I want to talk to
Employee Benefits?
 Employee Benefits Service Center
612-624-9090 or 1-800-756-2363
 Option 2 ̶ General benefits questions
 Option 3 ̶ FSA questions
Telephone Language Interpretation service available
through Employee Benefits
 Employee Benefits Website
www.umn.edu/ohr/benefits/openenroll
33
What if I want to talk to the
Health Plans?
 Medica:
 952-992-1814 or 1-877-252-5558
 Prime Therapeutics:
 1-800-727-6181
 Fairview Specialty Pharmacy:
 1-877-509-5115 and 612-672-5289
 HealthPartners Dental:
 952-883-5000 or 1-800-883-2177
 Delta Dental:
 651-406-5916 or 1-800-448-3815
34
When are the
Employee Health & Benefits Fairs?
 Duluth: November 2: Kirby Student Center –
Ballroom – 10 a.m. to 2:30 p.m.
 Morris: November 4: Oyate Hall, UMM Student
Center – 11 a.m. to 1 p.m.
 St. Paul: November 8: St. Paul Student Center
– North Star Ballroom – 10 a.m. to 4:30 p.m.
 Minneapolis: November 9: Coffman Memorial
Union – Great Hall – 10 a.m. to 4:30 p.m.
35
Links to U of M Resources
www.bhs.umn.edu/public-health/flu.htm
(Slide 1, 13)
www.umn.edu/ohr/benefits/openenroll/
(Slide 6, 23, 34, 47, 51)
http://hrss.umn.edu
(Slide 6, 54)
www.umn.edu/ohr/benefits/eligibility/index.html
(Slide 10)
www.wellness.umn.edu
(Slide 41)
well@umn.edu to e-mail Wellness
(Slide 42)
www.umn.edu/ohr/benefits/
(Slide 45)
www.umn.edu/ohr/benefits/disability/shortterm/
(Slide 48)
benefits@umn.edu to e-mail Employee Benefits
(Slide 50)
3
Flexible Spending Accounts
37
What are Flexible Spending Accounts?
 The UPlan includes:
 Health Care Flexible Spending Account
 Dependent Daycare Flexible Spending Account
 Your contributions to both accounts are
made with pre-tax dollars
 No Federal, state, or Social Security taxes are
taken
No FSA Enrollment = No FSA for 2012
38
How much can I contribute to a
Flexible Spending Account?
 Health Care FSA
 Minimum: $100
 Maximum: $5,000
 Dependent Daycare FSA
 $5,000 maximum per family
www.umn.edu/ohr/benefits/openenroll
39
What else do I need to know about
Flexible Spending Accounts for 2012?
 2012 contributions are made during the
calendar year
 2012 claims can be incurred between
January 1, 2012, and March 15, 2013
 “Use it or lose it”
 Any amount remaining after March 15, 2013, is
forfeited
Note: 2011 claims can be incurred through
March 15, 2012
40
Are there any recent changes for
Flexible Spending Accounts?
 Reminder: Section 9003 of the Affordable
Care Act has a new uniform definition of
qualified medical expenses
 Reimbursement will be made only if the
medicine or drug (1) requires a prescription,
(2) is available over the counter (OTC) and
individual obtains prescription, or (3) is
insulin
 Note: Insulin does not require a prescription
41
What else do I need to know about
Flexible Spending Accounts for 2012?
 Over the Counter (OTC) supplies and devices (such
as contact lenses and lens cleaning solutions),
eyeglasses, Rx and office copays, bandages, blood
sugar test kits, and out-of-pocket dental charges
continue to be eligible for reimbursement.
 Be conservative in estimating your health care
account contributions for 2012: do not include
amounts for OTC medications unless you will have a
prescription from your physician
 RFP in process for outsourced FSA services
 Debit card option
42
Other UPlan Information
Enrolling Online
 If hired before December 1, new
employees may make two elections to
participate in FSA for 2011 and 2012
 Multiple elections can be made online, but not at
the same time; wait a day between enrollments
 Benefits will send an e-mail to affected employees
 Employees with appointments ending prior
to January 1, 2012, cannot enroll online they are not anticipated to be active
employees in 2012
44
Open Enrollment
Communications
 Employees with enrolled same-sex domestic
partners will receive a letter and instructions for
Open Enrollment. Elections can be made online if
currently enrolled, or on paper, if not.
 Materials are sent to employees on LOA & to
those without computer access
 An e-mail will be sent in November to announce
the start of Open Enrollment
 A final reminder will be sent near the end of
November
45
Benefit Materials for 2012
 U & Your Benefits newsletters
 Guide for UPlan Benefits Open Enrollment
 Online for all employees
 Paper copies for new employees, retirees, other former
employees, and those without computer access
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COBRA instructions & rates
Benefit summaries for prospective employees
Summary of Benefits for Medical & Dental Plans
Managers Toolkit on OHR website
http://www.umn.edu/ohr/debcp/index.html
46
Applying for the Medical
Premium Relief Program
 Application on Employee Benefits website
 UPlan participants submit application & 2010 tax forms to
Employee Benefits
 Premium relief amounts range from $200 to $450 annually
 Paid as biweekly Medical Premium credits
 Applications received by December 15, 2011
 Full year of Medical premium credit
 Applications received during 2012
 Amounts are pro-rated
 Must be covered on January 1, 2012
47
Applying for the Medical
Premium Relief Program
 Employee Benefits will contact those with incomplete
applications
 Costs are considered taxable income
 Per University budget office, costs will be charged to
departments, since income to the employee
 First payment on January 25, 2012 paycheck; last
payment on December 26, 2012 paycheck
48
Information for Current
Members of U Classic Plus
by HealthPartners
What are the Guidelines for
Current U Classic Plus by
HealthPartners Members?
 All U Classic Plus by HealthPartners
members will need to re-enroll in a Medica
plan option during Open Enrollment
 Elections are made online in Employee
Self-Service
 A new election must be made in order to
have coverage for 2012
50
Will HPMG Clinics be Available in
Medica for 2012?
 All HealthPartners Medical Group Clinics (HPMG)
will be available in Tier 1 of Medica Insights
 Lowest cost tier - $15 copay
 Includes Como & Riverside Clinics & Regions
Hospital
 Tiers for Specialists and Hospitals can vary
 Example: University of MN Physicians (UMP) is in Tier 3
of Medica Insights
 Limited HPMG clinics are available in Medica Elect/
Essential and Medica Choice & Medica HSA
51
How does Insights
by Medica work?
 Providers submit bids to Medica
 Providers are placed in three tiers based on cost/quality
 Insights Copays also vary by tier
 Tier 1 - $15 copay
 Tier 2 - $30 copay
 Tier 3 - $50 copay
 HealthPartners Medical Group clinics & Regions Hospital
are in Tier 1 of Insights by Medica
 Specialists and hospitals are also tiered. Example: UMP
is in Tier 3
52
How does Insights
by Medica work?
 Members do not need to elect a Primary Care
Clinic
 No referrals required
 Copays are based on the tier for the clinic /
hospital from which you receive services
 If you want to stay with HealthPartners
Medical Group clinics, they are all available
only in Insights by Medica
53
What if I use a different provider
within U Classic Plus?
 Other U Classic Plus by HealthPartners Clinics (Example: Park
Nicollet, Allina, UMP) are available in other Medica products
 Medica Elect/Essential (base plan for Twin Cities & Duluth –
lowest copays at $15)
 Insights by Medica (plan with tiered providers & copays)
 Medica Choice National (broad network plan with $30 copays)
 Medica HSA (high deductible plan with an HSA account)
 Use Medica’s Find a Physician/Hospital feature to locate the
plan with your providers
http://www.medica.com/uofm
54
What if I choose to change my
plan and providers?

You can change your Medical plan and providers, if you elect to do so.

If you are in the midst of care for a serious medical condition (care received in
the past 90 days)
 A short-term continuation of care with your current provider may be
available.
 Medica’s care coordinators will work with you if you have
 An acute or life-threatening,
 A disabling, or chronic condition in an acute phase
 A confirmed pregnancy
 A physical or mental disability
 Culturally appropriate care or care in a certain language that Medica doesn’t
have available
 Use the transition of care form to submit your request
http://www.medica.com/uofm
55
Will I need a referral to see a
specialist with Medica?

You may want to have a recommendation from your primary care doctor before
you see a specialist

However, these Medica Plans do not require referrals to see an in-network
specialist:
 Insights by Medica (the plan with tiered providers & copays)
 Medica Choice National (the broad network plan)
 Medica HSA (the high deductible plan with an HSA account)

There are special guidelines for Medica Elect/Essential (the base plan)
 You do not need a referral to see a specialist in your care system
 You will need a referral approved by your care system’s referral coordinator
to see an in-network provider who is not in your care system

For all plans, you’ll need a referral from your care system and Medica to receive
in-network benefits from an out-of-network provider
56
Will I still have access to my
online HPMG medical record?
 If you remain a HealthPartners Medical
Group patient, you will still have
access to your online medical record
 This is a clinic/patient record, not a
health plan record
57
If I decide to change to a
new provider, can I ask my old provider to
transfer my medical records?
 Yes, contact your new clinic’s Medical
Records Department
 They will give you a form to use
 Send that to your old provider
 The old provider will transfer your records
58
2012 Wellness Program
What Wellness Programs will
continue in 2012?
 Wellness Assessment: January through March 2012
 Earn $65 Wellness Reward for Employee & Spouse/SSDP
 Health Improvement Programs
 Phone-based Health Coaching
 In-person Health Coaching – Twin Cities, Duluth, and Morris
 Online Healthy Living Programs and Step It Up!® walking
program
 Earn $65 Wellness Reward for Employee & Spouse/SSDP
 Fit Choices Program
 $20 monthly subsidy for health club participants
 Farmers Market: Minneapolis and Duluth
60
What’s new in the Wellness
Program in 2012?
New Wellness Points Bank program
 UPlan Members & Spouse/SSDPs can earn wellness
points in 2012 to reduce their UPlan Medical Program
premiums in 2013 through the new Wellness Points
Bank program
 Wellness points are earned by participating in a wide
range of Wellness Program-sponsored wellness
activities
 Spouse participation completely voluntary
 Also includes Early Retirees, COBRA, etc.
61
How Does the New
Wellness Points Bank Work?
 Employee-Only and Employee Plus Child(ren) coverage
levels must earn 300 points by August 31, 2012, to
qualify for a $300 premium reduction in 2013
 Employee Plus Spouse/SSDP and Employee Plus Family
coverage levels must earn 400 points by August 31,
2012, to qualify for a $400 premium reduction in 2013
 $65 Wellness Rewards continue for 2012 but stop in
2013
62
What points can I earn for my
Wellness Points Bank?
Wellness Program Option
Reward Points
Preventive Care

Wellness Assessment

Annual flu shot

Tobacco-free pledge

Biometric Health Screening participation
100
25
25
100
Health Improvement Programs

On campus Weight Management Program

Tobacco-cessation Program

NextSteps Telephonic Health Coaching

On-site Health Coaching

Fit Choices if Credits Earned in 5 Months

Healthy Pregnancy Program

Disease Management Telephonic Health Coaching
150
150
150
150
50
50
150
Health Action Campaigns

Step It Up! Walking & Pedometer Program (available April 1, 2012)

Online Healthy Living Program

Bike Commuter Program
50
50
50
63
What Weight Management Programs
are offered for 2012?
 Create your Weight — offered through Fairview on Twin
Cities Campus and Weight Watchers at Work — offered on
The Twin Cities and coordinate campuses
 You pay up front, Wellness Program will reimburse you in
full if you attend 80% of sessions (Costs: $186 to $235)
 You can be reimbursed for up to three sessions per year;
six total lifetime reimbursements
 New this year: Complete a weight management session by
August 31, 2012, and earn 150 points in your Wellness
Points Bank
 HIP (Health Improvement Program) available at UMD - no
cost-Weight Management Focused Program
 Details available at: www.wellness.umn.edu
64
Would you like to be a Wellness
Advocate for your Department?
Wellness Advocates Program:
 Looking for Wellness Advocates from each
College, Department
 Lead departmental Wellness initiatives
 Wellness Program to provide support, materials,
and training
 Plus special programs for wellness advocates
 Interested? Email to well@umn.edu
65
Wellness Program Metrics
Return on Investment
Analysis
 Annual Return on investment (ROI) analysis
assesses effectiveness of wellness programs
in helping to control health care costs
 Overall study led by Professor John Nyman
(School of Public Health), and research
assistant Nathan Barleen
 Study on ROI for Fitness Rewards led by
Jean Abraham
67
Programs Evaluated for Savings
 Evaluated
 Phone-based Disease & Lifestyle
Management, Wellness Assessment, 10000
Steps
 Not Evaluated
 Nurseline, flu shot clinics, Farmers Market,
Health Action Programs, Online Healthy
Living Programs
68
Costs Evaluated for Savings
 De-identified costs evaluated for changes
based on:
– Health care claims costs from U of M
claims data warehouse
– Sick leave use by civil service and
bargaining unit employees as a proxy
for absenteeism
69
Brief Methodology Statement
 Tracked “difference in differences” in costs
between participants and those eligible to
participate who did not.
 Used claims and absence data from 2004 – 2007
to reflect pre- and post-implementation data
 Evaluated wellness program participation as one
of many factors (age, gender, etc.) that could
influence health care cost changes to isolate just
the difference associated with participation.
70
2006-2008 ROI Analysis
 Disease management shows positive, statistically
significant return on investment. Continued smaller
return on absenteeism.
 Claims: $8,064,960
 Absenteeism: $480,988
 Total Savings - $8,545,948
 Total Program Costs - $7,809,984
 Disease Management Claims Savings covered $1.09
for every $1.00 of program costs –
First positive ROI
71
2006-2008 ROI Analysis
 Also evaluated participation by year since
many Wellness Program analyses indicate 3
years necessary for positive return
 DM participation in any one year generated
savings of $960 over all three years
 DM participation in 2006 and 2007 or 2008
generated savings of $1,200 per year
 Participation in all three years didn’t add
significant savings
72
2006-2008 ROI Analysis
 No significant return on Lifestyle Management or
10,000 Steps
 Did not put dollar impact on participant health
and include that in calculations – have included
improved measure of participant health in most
recent Wellness Assessments to make that
calculation possible
 Portion of the effectiveness is durable. Study
does not include gains that would occur if
program were stopped but effectiveness
continued
73
Fitness Rewards ROI Analysis
 “Fragile Evidence”
 Persistent Exercisers show Some Evidence of
Medical Claims Savings
 Exercise 5-9 of 12 Months
 923 people – each saved $1,032 per year
 Estimated Return on Investment
 $952,536 Total Savings
 $406,246 Incentives & Administrative Expense
 $2.34 for Each $1 spent
74
Weight Management Programs
Metric
Create Your
Weight
Weight Watchers
at Work
Totals
Participants
391
550 per session
941
Total Weight Lost
2,665.4 lbs.
12,555 lbs.
15,220.4 lbs.
Average Loss Per
Participant
Per Session
6.8 lbs.
10.8 lbs.
9.8 lbs.
1-35 lbs.
1-70 lbs.
1-70 lbs.
Weight Loss
Range
75
Remember to enroll online for
2012!
http://hrss.umn.edu