DSISD Employee Benefits Package

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Merry Roberts
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1 DSISD Employee Benefits Package

Plan Sponsors and Third Party Administrators Medical

of Texas (TRS) Supplemental Benefits Provided through

Benefits Administered by Financial Benefit Services

2 Plan Sponsors and Third Party Administrators Medical Benefits Provided through the Teacher Retirement System of Texas (TRS) Supplemental Benefits Provided through the Region 20 Benefits Cooperative Supplemental Benefits Administered by Financial Benefit Services (FBS) Financial Services administered by National Benefit Services (NBS)

3 Benefits This presentation provides general information about open enrollment and highlights of available benefits. Benefit plan details are available in the FBS Benefits Guide FBS Benefits Portal TRS ActiveCare Enrollment Guide and through other links on the DSISD Salary & Benefits Information page. 3

Open Enrollment for 2017-2018 July 11 through August 22 Passive Enrollment Only Employees with FSAs, Dependent Care Accounts, or those wishing to make selection changes must re-enroll.

4 Open Enrollment for July 11 through August 22 Passive Enrollment Only Employees with FSAs, Dependent Care Accounts, or those wishing to make selection changes must re-enroll. - It is a good idea to log in and review your benefit choices, and verify that your address, contact information, dependents, and beneficiaries are up-to-date. All new employees must enroll. Keep your ID Cards if you are not making plan changes. If your NBS debit card for HSA/HRA or FSA expires on 9/1/2017, you will get a new card in early September. Your current card will work until the first time you use the new card. ALL enrollments are completed online through the Benefits Hub. 4

5 Benefits for DSISD Benefits $10,000 life insurance paid by DSISD District contribution to Health Insurance premium increasing to $275 per month District contribution to a Health Savings Account (HSA) increasing to $50 per month - For ActiveCare 1-HD participants District contribution to a Health Reimbursement Account (HRA) increasing to $600 per year - For ActiveCare Select, ActiveCare 2, or Scott & White HMO participants 5

6 Plan - Overview Menu of Benefits for a Customized Benefit Package - All Benefits operate independently. Benefits paid with pre-tax dollars can reduce your taxes Changes can be made to plan selections outside of Open Enrollment only if you have a Qualified Family Status Change, and if you request the change within 30 days. 6

7 Pre- Medical TRS ActiveCare Plans Aetna PPO & EPO plans TRS ActiveCare Plan Highlights Comparison TRS ActiveCare 1-HD TRS ActiveCare Select- EPO (Exclusive Provider Organization) TRS ActiveCare Scott & White HMO plan Scott & White HMO Plan Highlights Care Mark Pharmacy

8 Medical Plan Premiums for Plan Total Premium District Contribution Employee Rate Change from ActiveCare 1-HD Employee Only $ $ $ $40.00 Employee & Spouse $ $ $ $27.00 Employee & Children $ $ $ $6.00 Employee & Family $1, $ $1, $35.00 ActiveCare Select EPO Employee Only $ $ $ $20.00 Employee & Spouse $1, $ $ $67.00 Employee & Children $ $ $ $5.00 Employee & Family $1, $ $1, $ ActiveCare 2 Employee Only $ $ $ $19.00 Employee & Spouse $1, $ $1, $92.00 Employee & Children $1, $ $ $30.00 Employee & Family $2, $ $1, $ Scott & White HMO Employee Only $ $ $ $19.12 Employee & Spouse $1, $ $ $20.26 Employee & Children $ $ $ $0.74 Employee & Family $1, $ $1, $

9 Networks ActiveCare 1-HD Aetna Plans Aetna Open Access Network ActiveCare 2 Aetna Open Access Network ActiveCare Select EPO (Must use Doctors and Facilities within your specific Network; except for a True Medical Emergency ) For those living in Hays, Travis, or Williamson County- Seton Health Alliance Network For those living in Bexar, Comal, Guadalupe, or Kendall- Baptist Health System and HealthTexas Medical Group For those living outside these counties- TRS-ActiveCare Select Network Scott & White HMO (Must use Network Doctors and Facilities) TRS-ActiveCare Participants Network 9

10 TRS ActiveCare Plan Tips Preventive Care and Routine Prenatal care covered at 100% Mail order - Care Mark RX for long-term maintenance meds. Initially get two prescriptions from doctor (90 day and 30 day). Brand name drugs will have added costs when generic is available Diagnostic Labs services from Quest Labs For ActiveCare Select & ActiveCare 2 deductible is waived and plan pays 100% Teladoc No charge for phone consultations for those on ActiveCare 2 and ActiveCare Select MDLive the telehealth provider for ActiveCare 1-HD and Scott & White HMO no charge for phone consultations ActiveCare Select EPO Providers Stay in-network out-ofnetwork services are not covered 10

11 Pre- Health Savings Account (HSA) Automatic for ActiveCare 1-HD $50 per month contribution by DSISD ($600 annually) Debit card - can be used to pay for qualified medical expenses HSA funds accumulate from year to year; the money is yours to keep Employees can also contribute to this account - employee contributions are pre-tax and can be changed or stopped at any time HSA participants can also choose a Limited Purpose FSA for vision and dental expenses only 11

12 Pre- Health Reimbursement Account (HRA) Automatic for ActiveCare Select, ActiveCare 2, and Scott & White HMO $600 funded by DSISD at the start of the school year Pre-paid credit card - can be used to pay for qualified medical expenses Use it or lose it funds do not accumulate or go with you if you leave the district 12

13 Post- Telehealth Plans MDLive or Teladoc Informational Medical Consultations via Telephone (Med information & advice) Diagnostic Medical Telephone Consultations (Prescriptions, diagnosis etc.) Can be a time and money saver for employees Works with U.S. based doctors and pediatricians via phone, , or video Available 24/7 Common Conditions Include Examples Below - Allergies - Asthma - Bronchitis - Bladder Infection - Cold & Flu - Cough & Respiratory Infection - Nausea & Vomiting - Sinus Conditions - Sore Throat - High Blood Pressure - Headache or Fever - Pink Eye - Ear Infection MDLive - Provided by DSISD for ActiveCare1-HD and Scott & White HMO - covers employee and all dependents listed with FBS. Available on voluntary, post-tax basis for all others. Teladoc - Included in TRS ActiveCare - for ActiveCare Select & ActiveCare 2 only for those covered on the plan. 13

14 Pre- Dental Plans - CIGNA Three CIGNA PPO High Plan most expensive, higher benefits, more flexibility PPO Low Plan less expensive, lower benefit level, will be balance billed for out-ofnetwork care DHMO lowest cost, must pick a dentist, in-network care only (24/7) 14

15 Dental Plan Premiums Plan Premium PPO High Plan Employee Only $29.10 Employee & Spouse $71.68 Employee & Children $78.59 Employee & Family $ PPO Low Plan Employee Only $14.58 Employee & Spouse $29.62 Employee & Children $34.06 Employee & Family $52.00 DHMO Employee Only $9.88 Employee & Spouse $18.66 Employee & Children $21.04 Employee & Family $

16 Pre- Vision Plan - Superior Vision Choose an Approved Provider from Superior National network $10 Co-pay for Exam $25 Co-pay for Lenses & Frames Exam, Lenses, and Frames every 12 months $120 Allowance for Contact Lenses $125 Allowance for Frames 16

17 Post- Life Insurance Group Term Life (Cigna) An inexpensive way to add life insurance coverage during your working years. DSISD provides $10,000 in life insurance. - Additional coverage available up to 7x salary, up to $500,000 - Max spouse coverage $500,000 - Children covered at $10,000 AD&D (Cigna) Accidental Death & Dismemberment coverage offers a benefit for bodily injury or death caused by accident Individual Life (5 Star Life) Portable coverage, flexible premium life up to age 121. Available Terminal Illness & Quality of Life Rider 17

18 Post- Disability Plan - UNUM Income/ Paycheck Protection - pays you a benefit should you be unable to work because of an injury, illness, or pregnancy Post- deduction Pre-Existing conditions 3-month look back Six waiting ( elimination ) period options Waiting period waived on 14- or 30-day options if hospitalized 23 or more hours EAP (Employee Assistance Program) for enrollees: 18

19 Pre- Cancer Plan American Public Life Guaranteed Issue, Portable Coverage Pays in Addition to Other Coverage In- and Out-of-Hospital Benefits Wellness Screening Benefits Helps with expenses for: surgical expenses, blood plasma, platelets, physician & nurse charges, hospital daily charges, radiation & chemotherapy Available riders for ICU and Critical Illness (heartattack & stroke) 19

20 Post- Critical Illness AFLAC Pays a lump sum benefit if a covered person is diagnosed with a covered illness or condition Examples of covered illnesses/conditions: - Heart Attack - Stroke - Coma - Organ failure - Paralysis Guaranteed Issue 20

21 Pre- Medical Supplement Plan - MEDLink Available for ActiveCare Select, ActiveCare 2 and Scott & White HMO participants Designed to cover out-of-pocket medical expenses associated with In-Hospital, Outpatient, and Physician Outpatient Treatment No Pre-Existing Condition Limitations In-Hospital Benefit (Must be confined as In-Patient) - $1,500 In-Patient Benefit - $2,500 In-Patient Benefit Outpatient Benefit - $200 per treatment Physician Benefit - $25 per treatment / family max $125 21

22 Pre- Accident Plan American Public Life Medical Expenses for Injuries - $500 per occurrence Daily Hospital Ambulance Accidental Death & Dismemberment 22

23 Post- Emergency Transportation MASA Provides ground or air medical emergency transportation solutions Covers out of pocket medical transport cost when insurance falls short No network, nationwide coverage 23

24 Pre- Reimbursement Plans - NBS Administrator: National Benefit Services - NBS Three Types of Accounts: Medical Expense Reimbursement Account (FSA) - Not available for HSA participants - Debit Card Limited Purpose FSA for Vision & Dental Only - Only for HSA participants - Debit Card Dependent Care Reimbursement Account - District Childcare direct pre-tax deduction; other childcare requires reimbursement process - Use it or Lose it no carryover 24

25 Post- Identity Theft Plan ID Watchdog Identity Theft Protection Identity Monitoring Cyber Monitoring Non-Credit Loan Monitoring Address Monitoring 100% Resolution Guarantee Post-tax deduction 25

26 How to Enroll/Select Benefits Online enrollment system ( New Employees - See Enroller for assistance Returning Employees 3 Options: - Self enroll online - Call FBS at for assistance - One-on-one, in-person enroller assistance available: July 19 th & 26 th, August 9 th & 18 th 26

27 ENROLLMENT DATES Date Time Location July 19 11:00am 1:00pm & 2:00pm 5:00pm DSHS CL&I July 26 10:00am 5:00pm Central Office Room 301 August 9 10:00am 5:00pm Central Office Room 209 August 18 July 11 to August 22 July 12 to August 22 8:00am 12:00pm 1:00pm 5:00pm Self-Enroll Anytime Phone Assistance (M-F, 8-5) HR Enrollment (Scheduled Work Days, 9-4) DSE Comp Lab RSE A201 Comp Lab DSMS CL&I DSHS CL&I SSE & SSMS - Sycamore Conf Room WSE CL&I Online ( HR Central Office 27

28 FINANCIAL BENEFIT SERVICES Your Total Benefit Solution Susan Winkler Benefits Consultant

Smithville ISD 2017/18 Benefits

Smithville ISD 2017/18 Benefits LOGIN PAGE TO BEGIN BENEFIT ENROLLMENT www.esc20bc.net Your Benefits Website:www.esc20bc.net Section 125 Cafeteria Plan Plan Year is September 1 August 31. Due to the Affordable