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EXPLORE YOUR OPTIONS

DISCOVER THE BENEFITS

2015 BENEFITS OPEN ENROLLMENT

November 1–15, 2014

WHAT IF I DON’T ENROLL?• Your benefit elections from 2014 will roll over with 2015 plan designs if you currently have J.B. Hunt

benefits. Regardless of whether you make changes to your benefits, you should review your plans, ensure your doctors are still in-network, view the 2015 prescription drug formulary, and review your beneficiaries.

• You and your covered spouse will not receive the medical premium discount unless you take the HRA by November 30, 2014, even if you’ve already taken it this year. You must also agree to participate in a wellness program if you are contacted by a member of the Personal Health Team.

• You and your covered spouse will lose your tobacco free discount in 2015 if you don’t certify you are tobacco free by November 30, 2014.

Remember: Benefit elections can only be changed during Open Enrollment unless you have a qualifying event such as a birth or marriage. Read more about qualifying events at myjbhunt.com/people.

Important Notices and Summaries of Benefits and Coverage (SBCs)

You can find a copy of important legal notices, SBCs and the Summary Plan Descriptions (SPDs) for all J.B. Hunt benefit offerings at myjbhunt.com/people. To request a print copy of an SPD or any of these notices, call 1-800-777-4968 or email [email protected] and one will be provided to you at no charge.

YOUR 2015 BENEFIT HIGHLIGHTS

We all share the cost of health care. When it comes to using health care wisely, we are in this together. That’s why we provide the resources and information you need to select the best choices for you and your family. Get educated at myjbhunt.com/people.

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• Introducing Keas—your new health and wellness engagement website.

— Beginning November 1, 2014, you and your spouse will have access to Keas.

— Earn a medical premium discount by completing the Health Risk Assessment (HRA) and opting into the wellness program on Keas by November 30, and, if contacted, participating in the wellness program.

— Certify you are tobacco free on Keas by November 30 to receive an additional medical premium discount.

• The out-of-pocket maximum for the PPO/OAP Plan is increasing from $6,000 to $6,600. This year, the maximum will include pharmacy.

• If you elect to continue to contribute to an FSA during Open Enrollment, you may roll over up to $500 of any unused funds from 2014 to 2015. In the past, all unused funds were forfeited.

• The prescription formulary list for the HDHP and PPO/OAP plans is changing.

You can earn medical premium discounts by following the tips below. Visit Keas, J.B. Hunt’s wellness site, to complete these actions no later than November 30, 2014. Get to Keas at play.keas.com/jbhunt.

MONEY SAVING TIP #1 Take the Health Risk Assessment (HRA)

• Go to Keas to take the HRA, opt-in to the wellness program, and earn $10 a week off your medical premium—$20 if your covered spouse also takes the HRA.

• If you receive a letter from the Personal Health Team, you must participate in the wellness program they suggest to keep your medical premium discount.

MONEY SAVING TIP #2 Certify You’re Tobacco Free

• While on the Keas site, certify you’re tobacco free to earn another $10 off your medical premium each week. It jumps to $20 if your covered spouse certifies tobacco free, too.

WOULD YOU TURN DOWN FREE MONEY?

$520 for 15 minutes of your time to take the HRA.

$1,040 if your spouse takes it, too.

What could you do with an extra $1,040?

* Numbers above represent estimated annual savings based on a $10 or $20 weekly medical premium discount.

LEAVE MORE CASH IN YOUR WALLET IN 2015

Available November 1 to all J.B. Hunt employees and spouses, Keas is our new health and wellness engagement site. You will go to Keas to complete your Health Risk Assessment and Tobacco Free Certification. Get to Keas at play.keas.com/jbhunt.

But Keas is so much more…

At Keas you can:

• Compete in online, interactive games to win rewards and other incentives

• Challenge your colleagues to reach wellness goals

• Watch your newsfeed for status updates, photos, healthy recipes, tips and more

• Stay connected, motivated and accountable with your virtual health community

• Sync with any step tracker, log your food and track your progress

To get started, click on the “Missions” tab on the Keas site.

MEETSpouses, you will sign up separately and create your own account on Keas by using your J.B. Hunt employee’s 6-digit Employee ID number.

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EXPLORE YOUR MEDICAL PLAN OPTIONS

HDHP Administered by Cigna

The High Deductible Health Plan (HDHP) offers a lower medical premium deduction out of your paycheck than the PPO/OAP. Though this plan has a higher deductible, the higher benefit coverage saves you more on what you pay out-of-pocket. In-network covered services generally apply to the annual deductible and 10% coinsurance.

You have the option to open a Health Savings Account (HSA) when you enroll in the HDHP. You can choose to contribute pre-tax dollars to this savings account to help pay for qualified health care expenses, including your out-of-pocket cost for medical, dental and vision services.

More information on the Health Savings Account can be found on page 8.

HDHP PHARMACY BENEFIT Administered by Express Scripts

You must meet your annual deductible before the plan begins to pay a portion of your prescription drug expenses. However, if you take a medication on the Preventive Drug list, the deductible is waived, and you pay a copay. View the full Preventive Drug list at myjbhunt.com/people.

PPO/OAP PLAN PPO Administered by BCBS; OAP by Cigna

This plan has a lower annual deductible compared to the HDHP, but you pay considerably more in monthly premiums. You pay a copay for in-network primary care provider office visits. Deductible and 20% coinsurance apply for all other in-network services. In addition, the out-of-pocket maximum for the PPO/OAP plan is higher than the out-of-pocket maximum for the HDHP plan.

PPO/OAP PHARMACY BENEFIT Administered by Express Scripts

You pay a copay for covered generic and preferred brand-name drugs. Check two things to make sure you’re getting the best price for your prescriptions: Review the plan’s drug list (called the Formulary) to ensure your medication is covered and verify your pharmacy is in the Express Scripts Network. Non-preferred brand-name drugs and prescriptions filled at a non-participating pharmacy are not covered.

DHMO PLAN Administered by Kaiser Permanente

The DHMO is only available in California, Georgia and Oregon. To find out if you are eligible to enroll in a DHMO, and for rates and other details about the DHMO plans, go to myjbhunt.com/people.

PREVENTIVE CARE IS ALWAYS FREE

No matter what plan you select, in-network preventive care is always 100% covered.

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NEW FORMULARY

The prescription formulary list for the HDHP and PPO/OAP plans is changing. Go to www.express-scripts.com and log in to learn more.

MEDICAL

KEY FEATURES HDHP PPO/OAP

In-network Out-of-network In-network Out-of-network

Annual Deductible

• $1,325 employee only

• $2,650 family


• $2,650 family

• $700 employee only

• $1,400 family


• $2,800 family

Out-of-Pocket Maximum


• $11,000 family

No limit to what you pay


• $13,200 family

No limit to what you pay

Office Visits Deductible and 10% coinsurance

Deductible and 50% coinsurance

• $35 copay for primary care physician visits

• Deductible and 20% coinsurance for specialists


Emergency Room Fee

$100 fee per visit and annual deductible and coinsurance

Urgent Care Deductible and 10% coinsurance


$75 copay per visit


Inpatient/Outpatient Hospital





PHARMACY

PRESCRIPTION TYPE

HDHP PPO/OAP

Retail Pharmacy (30-day supply)

Home Delivery (90-day supply)

Retail Pharmacy (30-day supply)

Home Delivery (90-day supply)

Generic After you meet the annual medical deductible, you pay a $10 copay

After you meet the annual medical deductible, you pay a $25 copay

$15 copay $37.50 copay

Preferred Brand Name



$30 copay or 20% ($60 limit)

$75 copay

$326 BILLION DOLLARS

That’s how much Americans spent on prescription drugs in 2013.

Keep your money in the bank. Here’s how:

1. Stick with generics rather than brand-name drugs.

2. Order a larger supply by mail.

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COMPARE THE PLAN FEATURES

DENTAL Administered by Delta Dental

J.B. Hunt offers new employees dental coverage through a Limited Dental Plan during the one-year eligibility waiting period for the Full Dental Plan.

KEY FEATURES LIMITED DENTAL PLAN FULL DENTAL PLAN

In-network Out-of-network

In-network Out-of-network

Maximum Annual Benefit $1,000 $1,500

Deductible (per person)

$50 $50 $50 $50

Preventive Care (check-ups and cleanings)

No chargeThe plan

pays 90%No charge

The plan pays 80%

Basic Care (fillings, extractions, periodontics treatment)

The plan pays 60%

The plan pays 50%

The plan pays 80%

The plan pays 60%

Major Care (Bridges, inlays, crowns, dentures)

Not covered Not coveredThe plan

pays 70%The plan

pays 50%

Orthodontia ($1,500 lifetime maximum)

Not covered Not coveredThe plan

pays 50%The plan

pays 50%

VISION Administered by Superior Vision

Exams $10 copay

Lenses You get $20 every 12 months toward new glasses.

Frames You can get frames every 24 months for a $20 copay, up to $130.

Contacts Contacts are available every 12 months for a $25 copay, up to $120. The cost of medically necessary contacts is covered 100%.

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OTHER BENEFIT OPTIONS

DRIVER DISABILITY Administered by The Hartford

Disability coverage for drivers

J.B. Hunt drivers have two disability options: a two-year or five-year maximum coverage plan. Cost for coverage varies by state, age and coverage level.

VOLUNTARY LIFE & SUPPLEMENTAL ACCIDENTAL DEATH AND DISMEMBERMENT Administered by Minnesota Life

Life and basic AD&D coverage

J.B. Hunt provides full-time employees basic life insurance at no cost. Full-time drivers and shop employees are provided basic AD&D at no cost. Voluntary coverage options are available to all full-time employees.

View rates and coverage options for Voluntary Life and Supplemental AD&D at myjbhunt.com/people.

J.B. HUNT’S 401(k) PLANOpen Enrollment is a great time to enroll in J.B. Hunt’s 401(k) plan or change your contribution amount. Our plan allows you to save for your retirement through payroll deductions. You decide how much to contribute from your paycheck up to the IRS limit ($17,500), and J.B. Hunt will match $.50 for each dollar you save, up to 6% of your contributions. Since your contributions are taken out of your paycheck before taxes, you will save even more. Certain rules and limits apply. Learn more on the 401(k) page on myjbhunt.com/people.

WHAT HAPPENS TO YOUR MONEY IF SOMETHING HAPPENS TO YOU?

If you don’t choose or update your beneficiaries for your life insurance, AD&D and/or 401(k), and something happens to you, your money may not be distributed as you prefer. Whether you make changes to your benefits this year or not, take time in Workday to review and update your beneficiaries during the Open Enrollment process and periodically throughout the year.

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LEARN MORE ON myjbhunt.com/people

IMPORTANT!

If you joined J.B. Hunt in August or September 2014, Open Enrollment will be your ONLY opportunity to enroll for Driver Disability coverage for 2015. Preexisting conditions and limitations may apply.

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HEALTH SAVINGS ACCOUNT (HSA) Administered By ConnectYourCare

You have the option to open an HSA when you enroll in the HDHP during Open Enrollment.

Contributions Contribute as little as $100 a year and up to the maximum allowed by the IRS ($3,350 employee only, $6,650 family). If you are age 55 or older, you can contribute up to an additional $1,000 per year.

Paying for care This money can be used to pay for your share of qualified health care expenses like medical, prescription, dental, and vision. Or you save the money in this account for future health care expenses.

Saving money HSAs have some of the best tax benefits of any savings account. The money you contribute to your HSA is pre-tax (before any payroll taxes are withheld), which means any interest you earn on your account is also tax-free.

• Your HSA contributions are tax-deductible.

• You can spend this money on most eligible expenses without paying taxes.

• Your account will grow tax-free through interest or increasing investments.

Unused balance If you have money left in your account at the end of the year, it will automatically roll over and is yours to keep whether or not you continue benefit coverage or even employment with J.B. Hunt.

Interest With your HSA account, you are earning interest monthly.

How to enroll You can enroll in an HSA during Open Enrollment if you choose the HDHP plan. You can make changes to your contribution amount at any time during the year.

FLEXIBLE SPENDING ACCOUNT (FSA) Administered By ConnectYourCare

There are two types of FSAs you can contribute to: a Health Care FSA and a Dependent Care FSA. If you currently contribute to an FSA, you will need to re-enroll and select a new contribution amount for 2015 during Open Enrollment.

Health Care FSA • Reimburses you for eligible health care expenses

• For 2015, you can contribute any amount between $100 and $2,500.

Dependent Care FSA

• Reimburses you for child care or elder care expenses

• For 2015, you can contribute any amount between $100 and $5,000.

Limited Use FSA If you have an FSA but also contribute to an HSA, any FSA contributions you make for health care reimbursements become “limited use” for dental and vision expenses only.

Saving money You contribute “pre-tax” money to your FSA (before any payroll taxes are withheld).

Unused balance Up to $500 can roll over at the end of the year.

Interest You do not earn interest with an FSA.

How to enroll You can choose to participate in the Health Care and/or Dependent Care FSA during Open Enrollment. You must re-enroll in an FSA each year.

WAYS TO SAVE ON HEALTH CARE

Contributing to an HSA or FSA allows you to set aside tax-free money to pay for certain qualified expenses.

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GET TO KNOW KEAS!

Combine Facebook, Candy Crush and 5K race training and what do you get? Keas.

It’s fun. It’s easy. And it will help you reach your health goals.

Learn more on page 3.

MEDICAL PLANS

COVERAGE OPTIONS HDHP PLAN PPO/OAP PLAN

Employee Only $30.58 $48.26

Employee + Spouse $117.40 $149.51

Employee + 1 Child $72.49 $100.75

Employee + 2 Children $75.56 $105.23

Employee + 3 or More Children $78.63 $109.83

Employee + Family (Spouse + 1 Child) $132.78 $166.34

Employee + Family (Spouse + 2 Children) $137.06 $172.13

Employee + Family (Spouse + 3 or More Children) $141.34 $177.91

VISION PLAN

COVERAGE OPTIONS WEEKLY COST

Employee Only $1.52

Employee + Spouse $3.26

Employee + Children $2.47

Employee + Family $4.32

DENTAL PLAN

COVERAGE LIMITED DENTAL FULL DENTAL

Employee Only $2.86 $3.21

Employee + Spouse $5.72 $6.45

Employee + Children $5.43 $6.11

Employee + Family $8.03 $9.03

DRIVER DISABILITY

AGE 2-YEAR OPTION 5-YEAR OPTION

New York, New Jersey

CaliforniaAll other states

New York, New Jersey

CaliforniaAll other states

Under 40 $5.28 $3.33 $7.06 $9.67 $6.07 $12.87

40–49 $9.01 $6.16 $12.61 $16.42 $11.17 $22.97

50 and over $13.77 $9.16 $18.87 $25.10 $16.67 $34.43

WEEKLY RATES (Bi-weekly rate is two times the weekly rate)

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Q. What do I do when I am away from home and need medical care after hours or can’t easily access my primary care physician?

A. Call a doctor on demand with MDLive.

MDLive provides access to physician care 24/7. When it’s not a medical emergency, avoid the ER and pay only $38 per “visit.” Contact a doctor day or night—by phone or on the web. Call 1-888-632-2738 or visit www.mdlive.com/jbhunt. Register now for faster service when you need a doctor.

To help you save money and find the right care for you and your family quickly, we offer the following resources to employees and family members who are enrolled in the HDHP or PPO/OAP health plans. Answer the questions to discover the resources J.B. Hunt provides that can help you most. Kaiser plan participants should log onto www.kaiserpermanente.org to learn about the tools and resources available through Kaiser.

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HELP WHEN YOU NEED IT

$1,318 Average cost to visit the ER.

$104 Average cost to see a primary care doctor.

$38 The total cost to speak to a physician day or night with MDLive.

If you’re a medical plan participant, give MDLive a try at www.mdlive.com/jbhunt or call 1-888-632-2738.

WHAT WOULD YOU RATHER PAY?

Q. Can I get a second opinion about a medical condition or procedure in my future?

A. Yes. Advance Medical ensures you’re getting the best quality care for your needs.

The physicians at Advance Medical will talk with you and review your medical information, then suggest leading specialists to help with your specific condition. Plus, you can get a discount if you go to a center of excellence. Call 1-888-851-8075 or visit www.advance-medical.com/jbhunt.

Q. Can I get help with a health and wellness goal I want to achieve in 2015?

A. You bet. The Personal Health Team (PHT) can lead the way or offer support.

Your team can guide you to the best facilities, experts and programs you need to reach your target. Call your PHT at 1-877-459-9896 to get started. After taking the Health Risk Assessment, you or your spouse may be invited to participate in a wellness program led by a personal health coach. You must engage to keep your medical premium discount.

Q. How do I learn more about and elect my benefits for next year?

A. First, learn about your benefits at myjbhunt.com/people. This website outlines current and 2015 benefit options, allows you to search for a doctor or plan, and lists contact information for providers. From medical rates to financial planning through your 401(k), find answers on the People site.

After you’ve read about our plans and chosen the right one for you, enroll through Workday. Get there from myjbhunt.com/people. Follow the steps to make your enrollment selections. If you need help, get step-by-step instructions from the online Solution Center.

24/7 SUPPORT IN THE PALM OF YOUR HANDDownload these Apps from the App Store or Google Play and access your benefits information and services directly from your mobile device.

ConnectYourCareCigna

Kaiser Permanente

Express ScriptsDelta Dental

WorkdayMDLiveKeas* Merrill Lynch

Blue Cross Blue Shield

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ENROLL FOR YOUR BENEFITS

• WHEN: November 1 through November 15.

• HOW: Log in to Workday from myjbhunt.com/people. We’ve simplified the process for enrolling, and it’s easier and faster than ever.

FOR MORE INFORMATION

For more information on your J.B. Hunt benefit options, go to myjbhunt.com/people.

IF YOU HAVE QUESTIONS OR NEED ASSISTANCE

If you have questions about your benefits or need assistance with enrollment, call the HR Solution Center at 1-800-777-4968 or email [email protected].

WHAT’S NEXT

While you’re in Workday, update your contact information, including your personal email, mailing address and cell phone number. The personal contact information you provide in Workday will only be used to share important company information.

HEALTH CARE LAW AND YOU

If you choose not to enroll in a J.B. Hunt medical plan and are not covered by other medical coverage (for example through a spouse or the federal Health Insurance Marketplace), you may pay a fee under health care legislation. Visit “Health Care Law & You” on myjbhunt.com/people to learn more.

* The Keas App is designed for iPhone. Users of other phone types please access the mobile Keas site at m.keas.com.

EXPLORE YOUR OPTIONS

DISCOVER THE BENEFITS

2015 BENEFITS OPEN ENROLLMENT

November 1–15, 2014

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INSIDE:Changes to your benefits, including enhancements and new programs!

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