NTT DATA, Inc.

Open Enrollment January 1, 2016

Darlene Flaherty, Director, NTT DATA, INC.

North American Benefits Center of Excellence
November 2015

2015 NTT DATA, Inc.

Agenda

Whats New for 2016

Annual Enrollment Timeline

How to Enroll

Medical Plans

2016 Plan Options Gold,

Silver and Bronze

Employer HSA Seeding

Contribution
Engaging in Healthcare
Wellness Program Engagement
Compass Concierge Services
BCBSMA Ahealthyme
Plan Comparison with
Coverage Advisor
Dental and Vision

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Identity Protection Services

Flexible Spending Account
Naturally Slim Program
Work Life/Voluntary Benefits
and Discounts
Next Steps

Whats New for 2016

NTT DATA will be partnering with Delta Dental in 2016. Delta Dental offers
one of the largest networks for more convenience, more preventive
services, and substantial claims savings thanks to the deep discounts they
have negotiated with dentists. Plus, their PreventistryTM approach is aimed
at eliminating oral disease and keeping members healthier.
Delta Dentals FREE Mobile app that allows you to find a dentist, manage
your coverage and everything in between.
BCBSMA Enrollee Identify Protection
BCBSMA will begin offering free identity protection services to all eligible
BCBSMA members beginning January 1, 2016. This service will remain in
effect for as long as the member remains enrolled in an eligible plan.

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Annual Enrollment 2016

Begins
November 16, 2015
Ends
November 30, 2015

Effective January 1, 2016

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How to Enroll

Where you enroll depends on your Employee Self Service Tool:

If you currently use HRDirect for your Employee Self-Service Tool

you will continue to do so in 2016.

Legacy Optimal Employees will enroll through the ADP/HRB Portal.

Carlisle & Gallagher employees will continue to enroll through the

ADP site accessed InsideCG.

Cloud Services employees who have not used HRDirect will receive
an email with an enrollment form. This form can also be found on
the Salesforce Site.

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Medical Plans
Three Medical Plans Offered:
Blue Cross Blue Shield (BCBS) National Provider Network

Choose any doctor or hospital

No primary care physician or referrals required
Two levels of benefits where you choose to go determines benefit level: in-network or
out-of-network

For in-network benefits, use a BCBS national preferred provider or any emergency room
For out-of-network benefits, use any licensed provider
Differences In Plans In-Network Services:

Gold Deductible $1,300/$2,600; Out of Pocket Maximum $2,600/$5,200

Silver Deductible $2,350/$4,700; Out of Pocket Maximum $4,700/$9,400
Bronze Deductible $3,000/$6,000; Out of Pocket Maximum $6,000/$12,000

All plans are High Deductible Health Plans with the option to elect a Health Savings Account
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2016 Plan Options Gold, Silver, and Bronze

SILVER

BRO
NZE

NTT DATA HSA match $.50 per

$1
up to $300 / $600
(Individual / Family)
In-Network

NTT DATA HSA match $.50 per

$1
up to $300 / $600
(Individual / Family)
In-Network

NTT DATA HSA match $.50 per

$1
up to $300 / $600
(Individual / Family)
In-Network

$1,300

$2,350

$3,000

$2,600

$4,700

$6,000

$2,600

$4,700

$6,000

$2,600

$4,700

$6,000

$5,200

$9,400

$12,000

$5,200
10%

$9,400
10%

$12,000
10%

Free

Free

Free

$25 / $50
Copay after Deductible

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Inpatient/Outpatient

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Emergency Room

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Generic

$10 Copay after Deductible

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Formulary Brand

$25 Copay after Deductible

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Generic

$20 Copay after Deductible

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Formulary Brand

$50 Copay after Deductible

Deductible & 10% Coinsurance

Deductible & 10% Coinsurance

Medical Plan Options

HSA Seeding (Employer
Contribution)

Annual Deductible
Individual
Individual + Spouse/ Individual +
Child(ren)
Family
OOP Max (including Deductible)
Individual
Individual + Spouse/ Individual +
Child(ren)
Family
General Coinsurance
Physician
Preventive
PCP / Specialist
Hospital Facility

Retail RX

Mail-Order RX

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Employer HSA Seeding Contribution

NTT DATA will match your HSA contribution

Eligible employees have the ability to have your contribution matched $.50
on the dollar up to a maximum of $300 when you enroll yourself only, or up
to $600 when you enroll yourself plus one or more eligible family
members.
You also have the ability to increase the employer contribution to your HSA
by participating in various incentive programs.

Must Open an HSA Account

Seed money is available only if you currently have an HSA account with
Health Equity or are planning on opening an account with Health Equity.
You may choose any HSA vendor outside of Health Equity, but you will not
receive the seed money or have the convenience to make pretax payroll
contributions.
If you already have an HSA account with another vendor, you can still
open one with HealthEquity, and rollover your balance if desired.

Contribution Limits
Be sure the total amount you contribute, plus NTT DATAs contribution,
does not exceed the 2016 annual contribution maximum:
o $3,350 if you cover yourself only
o $6,750 if you cover one or more eligible family members

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2016 Medical Biweekly Contributions

Company

Non Tobacco
User

Tobacco User

EE Only

Payroll EE
Contrib
$110.11

Payroll EE
Contrib
$156.26

EE + Sp

$230.25

EE + Child(ren)
Family

Plan Name

Tier

Dental

Vision

EE Only

$9.64

$1.99

$276.40

EE + Sp

$20.24

$4.19

$197.48

$243.64

EE + Child(ren)

$17.35

$3.59

$350.38

$396.54

Family

$30.85

$6.38

EE Only

$51.25

$97.41

EE + Sp

$106.65

$152.80

Dental

Vision

$91.54

$137.70

EE Only

$16.07

$1.99

$162.04

$208.20

EE + Sp

$33.74

$4.19

EE Only

$27.76

$73.92

EE + Child(ren)

$28.92

$3.59

EE + Sp

$57.31

$103.47

Family

$51.41

$6.38

EE + Child(ren)

$49.26

$95.41

$86.87
$226.07
$472.11
$405.01
$718.17
$200.07
$417.52
$358.22
$634.98
$187.21
$390.53
$335.08
$593.84
$244.91
$511.46
$438.76
$778.02
$216.74
$452.32
$388.07
$687.90
$202.81
$423.08
$363.00
$643.33

$133.02
$272.22
$518.27
$451.16
$764.32
$246.22
$463.68
$404.37
$681.13
$233.36
$436.68
$381.23
$640.00
$294.91
$561.46
$488.76
$828.02
$266.74
$502.32
$438.07
$737.90
$252.81
$473.08
$413.00
$693.33

MISICOM
EE Only
EE + Sp
EE + Child(ren)
Family

Dental
$17.40
$36.55
$31.33
$55.69

Vision
$2.16
$4.53
$3.89
$6.91

Gold Plan
SALARIED

Silver Plan
SALARIED

EE + Child(ren)
Family
Bronze Plan

SALARIED

Gold Plan
DATASKILLS

EE +
Silver Plan

DATASKILLS

EE +
Bronze Plan

DATASKILLS

EE +
Gold Plan

MISICOM (Semi-Monthly)

EE +
Silver Plan

MISICOM (Semi-Monthly)

EE +
Bronze Plan

MISICOM (Semi-Monthly)

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EE +

Family
EE Only
EE + Sp
Child(ren)
Family
EE Only
EE + Sp
Child(ren)
Family
EE Only
EE + Sp
Child(ren)
Family
EE Only
EE + Sp
Child(ren)
Family
EE Only
EE + Sp
Child(ren)
Family
EE Only
EE + Sp
Child(ren)
Family

SALARIED

DATASKILLS

* All payroll rates are calculated on a bi-weekly basis

EXCEPT MISICOM which is semi-monthly

Engaging in your Healthcare

Concierge Services

Unlimited access to
a healthcare expert
Unbiased doctor
recommendations
Hospital cost and
quality information
Straight answers
about your benefits
Bill reconciliation
Insider information
on saving money
Complete advisor
for your healthcare

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Coverage AdvisorSM

Ahealthyme
Health assessment
and risk advisor
Self-paced wellness
workshops
Exercise and food logs
Recipes, meal
planners, shopping list
Exercise videos and
plans
Health library with
shared decision
making tools and
symptom checker
Wellness Challenges
Wellness Coaching
Smartphone
Accessible

By WebMD

View all health plan

options
What options will work
for you and your family
Estimate out of pocket
expenses including:
premiums, office visits,
medical services,
prescription costs
Determine how much
to set aside in a Health
Savings Account and
understand the
short/long term benefits
of participation

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Wellness Program Engagement

NTT DATA is pleased to offer its employees enrolled in the NTT DATA
BCBS medical plan the chance to participate in our wellness program.
This program is designed to encourage you to understand your current
health status and educate you on using your NTT DATA benefits wisely to
get the most from your healthcare dollars. More importantly, this program
encourages you to live a healthier life through various programs and
incentives.
The following slide outlines a few of the opportunities available to NTT
DATA employees to participate in a more robust wellness program.
Employees can use this new program to help them learn how to live
healthier in a variety of ways.

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Wellness Incentives
From January 1, 2016 November 14, 2016, you will be able to earn points
from a variety of activities. Certain activities and points will accumulate
toward a contribution into your Health Savings Account and some will enter
you into a raffle for prizes.
Here are the ways you can earn points:
Wellness Categories
Online Health Assessment
&
Biometric Screening

Point Value

Educational Training Seminar

$50
HSA
Contribution

Online
Modules/Workshops
Participate in a Challenge
(Mobile Access)

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$50
HSA
Contribution

100 points

Self Reported: 200

points
Verifiable/Fitbit: 300
points

Notes
Complete the online Health Assessment and either attend
an on-site biometric screening event or have your
physician fill in the Biometric Verification form with your
body mass index, waist circumference, cholesterol, and
blood pressure results to BCBSMA. Your biometric data
will appear within 4 6 weeks of the data submission.
Activity completion deadline: November 2016
Web based Personal Healthcare Advisor Tool Training

Complete a module (average 4 weeks)

Activity completion deadline: 12/31/16.
Points are earned upon completion of the Challenge.
Activity completion deadline: 12/31/16

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Compass Concierge Services

NTT DATA has partnered with Compass
Professional Health Services to provide
healthcare support for you and your family.
Preparing for
an Appointment

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Choosing
Appropriate
Care

Facilitating
Treatment

Reviewing
Charges

13

Compass Concierge Services

Frequently Asked Questions:
Q: Can Compass assist with issues related to dental
and vision benefits?
Yes
Q: Can Compass review old bills?
Yes

Q: Can Compass assist members of my household who are on a different insurance

plan?
Yes
Q: How long will it take Compass to respond to my request with an answer?
Most requests are answered by the next business day; bill reviews
and appeals often take longer
Q: Does Compass need permission to speak with my doctor or insurance company?
Yes, you will need to fill out an authorization form giving Compass
permission to advocate for you on your behalf
Compass does not:

Share any employees personal health information with NTT DATA.

Provide medical advice or replace your doctor.
Receive money for recommending one doctor or hospital over another.
Provide assistance for medical emergencies.

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BCBS Ahealthyme Website

If you want to know more about your health and how to make it better, ahealthyme is
a great place to start. With just a few clicks, well show you ways to live a healthier
life. From a health assessment to wellness workshops and interactive tools,
ahealthyme is your personal online resource.
1. Start with your health assessment. Taking your health assessment is easy and
rewarding. Simply answer questions about eight areas of your health. When
done, well give you a detailed look at your health today and recommend tools
and programs that will help improve it based on your answers.
2. Take a wellness workshop. Our self-paced wellness workshops are a fun way to
be smart about your health. Youll gain insight on health topics that relate to you
and get closer to your wellness goal. Learn about:
Healthy eating
Quitting smoking
Physical fitness, and much more
3. Stay motivated and stick to your goals. Maintaining good eating and exercise
habits can help keep you on track. With ahealthyme, you can record and track
your activities on any computer or smartphone and see how youre doing in real
time.
Get Started Now!
Go to www.ahealthyme.com/login and sign
up to begin your journey to healthier living.
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Plan Comparison with Coverage Advisor

With Coverage Advisor, employees can quickly learn about plan options and
start becoming engaged health care consumers. By using this tool at open
enrollment, employees can easily:

View all of their health plan options in an easy-to-understand, side-by-side

format
Determine what options are most appropriate for their family
Estimate out-of-pocket expenses for each plan, including:
Premiums
Office visits
Medical procedures
Prescription costs
Non-covered services (Dental, Vision, other)
Determine how much to set aside in a Health Savings Account or
Flexible Spending Account and understand the short- and long-term
benefits of participation in a Personal Spending Account
www.webmdhealth.com

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Dental and Vision

Dental Insurance Delta Dental
This plan includes in-network coverage levels of Preventative 100%; Basic - 80%, Major Services - 50% with a low annual
deductible of $75 person/$125 Family for in network services
(applies to basic and major services only).
Vision Insurance - VSP
Helps pay expenses associated with eye care. Plan provides
coverage for exams, lenses, frames, contact lens expenses, etc.
To get the most benefit from the plan, use a VSP network
provider, although benefits are available through non-network
providers. The plan covers annual eye exams at 100% every 12
months after a $10 copay. Allowances for hardware such as
frames, lenses, and contacts are every 24 months.

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Identity Protection Services

BCBSMA will begin offering free identity protection services to all eligible
BCBSMA members beginning January 1, 2016. This service will remain in
effect as long as the member is enrolled in an eligible plan and will include:

Credit Monitoring
Fraud Detection
Credit/Identity Repair

This is another step to protect our members as we continue to make every

effort to ensure that all personal information maintained by BCBSMA is
secure and safe. BCBSMA is enhancing the safety and security of their
customers and members in light of heightened cyber-security risks.
The Identity Protection Services will be offered through BCBSMAs vendor
partner Experion and additional details on how to enroll and take advantage
of the services will be available from BCBSMA shortly.

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Flexible Spending Account

Health Care, Limited Scope Healthcare, and Dependent Care Flexible
Spending Accounts (FSA) will now be administered through WageWorks. If
you enroll in one of the NTT DATA medical plans, you will only be eligible to
contribute to the Limited Scope Healthcare FSA.
The Limited Scope FSA works in conjunction with the high deductible health
plans. You may submit eligible dental and vision expenses to the Limited
Scope FSA and medical expenses after the deductible is met. If you are
planning for dental and vision expenses in 2016, you may wish to use the
Limited Scope FSA instead of your Health Savings Account. Please note: the
Limited Scope FSA is a use it or lose it plan.
Maximum Contribution Plan Year 2016 for HCR and LSFSA $2,550
Maximum Contribution Plan Year 2016 Dependent Care Reimbursement
$5,000
Note: Dependent care (day care) reimbursement plan and Limited Scope
FSAs (for HSAs) are not eligible for the carryover provision.
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Naturally Slim Program

Program Start Date: June 1, 2015 Ran for 10 Weeks

196 Employees Participated

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Naturally Slim What they Said

52%

72%

72%

Increased
Physical
Activity

Lowered
Sugar
Intake

No Longer
Consider
Weight Out of
Control

62%

53%

61%
Increased Self
Confidence

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Increased
Energy

Lowered
Fast Food
Intake

21

In their own words

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Work Life/Voluntary Benefits & Discounts

Accident Insurance:
Having the Aflac Accident plan means that your family may have added financial
resources to help with the costs resulting from an unexpected covered accident.
Hospital Indemnity Insurance:

A Hospital Indemnity insurance plan provides cash benefits for covered sicknesses or
injuries due to a covered accident to use as you see fit. The predetermined benefits
are payable regardless of any other insurance you have.
Pet Insurance:
Veterinary Pet Insurance provides protection for pets when they need it most. VPI
policies cover a multitude of medical problems and conditions related to accidents
and illnesses, including cancer. Coverage is available for dogs, cats, birds and exotic
pets, plus optional wellness care coverage reimburses for vaccinations, flea/tick
preventive and more.

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23

Work Life/Voluntary Benefits & Discounts

InfoArmor:
Identity theft is the fastest growing crime in America, impacting almost 13 million
Americans last year. InfoArmors technology detects fraud at the source to catch
misuse sooner and minimize damages.
Legal Insurance:
For an affordable premium, youll receive access to experienced Network Attorneys,
easy-to-use online tools and trusted resources with full-time legal protection that
offers 100% paid-in-full coverage for most legal matters. Its designed to help you plan
for, prevent and resolve a wide range of legal issues, and save you valuable time
and potentially thousands of dollars in legal fees.
Auto and Home Insurance Discounts:
Available to employees through Mercer's personal plans website. You may be eligible
to receive state-approved group discounts for auto, home, and personal property
insurance, policy discounts (multi-car, anti theft device, good student, non-smoker, new
home) and more. You may use electronic fund transfer to deduct monthly premiums
from checking or savings accounts, eliminating down payments and finance charges.

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24

Work Life/Voluntary Benefits & Discounts

Employee Purchase:
Purchasing Power is the premier purchase program where you can purchase namebrand computers, electronics and home appliances through manageable payments
automatically deducted from your paycheck

Benefit Hub:
The Benefit Hub is a members-only discount marketplace that provides you with access
to hundreds of brand-name retailers and local merchants all from one website.
Special offers and discounts that you wont find anywhere else can be found at the
Benefit Hub from clothing to vacations, event tickets and appliances.
Whirlpool Significant savings for NTT DATA employees:
Whirlpool Corporation is offering NTT DATA employees the opportunity to become
Brand Ambassadors for Whirlpool when they purchase select Whirlpool, KitchenAid
and Gladiator GarageWorks, Maytag, Jenn-Air and Amana products at
significantly reduced prices. Its part of the VIPLINK Program Partner Program where
employees can choose major appliances from Whirlpool, KitchenAid, Maytag,
Jenn-Air, Amana and top-of-the-line products from Gladiator GarageWorks at a
secure, dedicated web site: www.partners.whirlpool.com. All employees will enjoy great
savings on the products they purchase as well as reduced rates for home delivery and
installation of many products.
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25

Next Steps
All U.S.-based Employees:
If enrolled in the medical plan, you will also need to complete the tobacco
declaration form for 2016 declaring whether or not you use tobacco products.
New Plans Begin January 1, 2016 Enroll this November
HSA Contributions Begin January 1, 2016 Open HSA Account:
Eligible employees have the potential to earn employer HSA contributions beginning
in 2016. In addition, you will have the opportunity to increase these contributions
with numerous wellness incentives programs and challenges reaching up to $700
per family annually.
Additional Health Programs:
Select group of individuals will be selected based on biometrics and health to
voluntarily participate in a 10-week online Naturally Slim program paid for by the
company, as well as other healthy initiatives.
Concierge Service:
COMPASS HEALTH PROCONSULTANTS Your Healthcare Concierge service
available to assist employees in making educated treatment decisions based on
their needs and preferences before receiving care.
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 2015 NTT DATA, Inc.

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