LA PORTE ISD OPEN ENROLLMENT BENEFIT SUMMARY. Benefit Advisors onsite. lpisd. Table of Contents

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1 Table of Contents Enrollment Information... 2 Contacts... 3 Plan Rules... 3 Medical Plan... 4 Hospital Indemnity Plan... 5 Dental Plan... 5 Vision Plan... 6 Critical Illness Plan... 6 Cancer Plan... 6 Educator Disability Plan... 7 Accident Insurance Plan... 7 Individual Life Insurance... 7 Basic Group Term Life and AD&D... 7 Group Term Life Insurance... 8 Identity Theft Protection... 8 Catastrophic Sick Leave Bank (b) Retirement Savings Plan (b) Retirement Savings Plan... 9 Flexible Spending Accounts (FSA)... 9 Frequently Asked Questions Enrollment Navigation Online Enrollment Information for Medical & Supplemental Benefits Section 125 Cafeteria Plan Supplemental Retirement Plan NEW BENEFIT WEBSITE AND ALL NEW VOLUNTARY BENEFITS!!! See the details for all the new benefits with a Benefit Advisor at the help sessions or online in the Reference Center at the new benefit website! Elections made for the Open Enrollment plan benefits are deducted from payroll in September and coverage is effective September 1, ACA RULES: Due to Federal Regulations under the Affordable Care Act (ACA), all employees must enroll in or decline coverage for themselves and their dependents (and include their social security numbers) under a medical plan. Recommended browser: PC Internet Explorer Mac Safari (Google Chrome not compatible) LA PORTE ISD OPEN ENROLLMENT BENEFIT SUMMARY PLAN YEAR IS SEPTEMBER 1, 2016 TO AUGUST 31, 2017 Benefit Advisors onsite IMPORTANT INFORMATION TO KNOW THIS YEAR MANDATORY ENROLLMENT THIS YEAR every employee must either elect or decline each benefit plan offered this year! You may either self-enroll or attend one of the help sessions at the ITC. KEY ITEMS CRITICAL ILLNESS PLAN by ALLSTATE *Guaranteed Issue THIS YEAR for entire family (no medical history required); provides a lump sum payment for heart attacks, strokes, cancer, and others. Plan includes a recurrence benefit. CANCER PLAN by ALLSTATE *Guaranteed Issue THIS YEAR ONLY for you and your dependents, with or without an ICU rider. Plan includes coverage for radiation, chemotherapy, platelets, and more. PORTABLE LIFE INSURANCE by COMBINED INSURANCE CO. *Guaranteed Issue THIS v YEAR ONLY for entire family (no medical history required). Plan offers up to $150,000 for employees under age 70. Limited Guarantee Issue of $25,000 for spouses under age 60, and a child life rider up to $25,000 for eligible dependent children. Rate locks in at the age the policy is effective. Policy includes a long-term care rider up to 120 years. GROUP TERM LIFE INSURANCE by SUN LIFE *Guaranteed Issue THIS YEAR ONLY for v you and your dependents. Inexpensive coverage while you are working at LPISD. Up to $200,000 for employees, up to $30,000 for your spouse, and up to $10,000 for your children. Rates are age-banded and increase every 5 years as you reach the next age bracket. HOSPITAL INDEMNITY PLAN by METLIFE *Guaranteed Issue THIS YEAR ONLY for you v and your dependents. Plan helps to cover deductibles and expenses when admitted into a hospital. ACCIDENT PLAN *Guaranteed Issue THIS YEAR ONLY plan covers expenses from copayments v and hospital deductibles that result from treatment from accidents for active people with or without kids to an aging generation. *Some limitations may apply please see the plan documents at or a Benefit Advisor at the Enrollment Help sessions for details. Your company key is lpisd LPISD OES 6/16 (case sensitive)

2 Enrollment Information & Schedule Welcome to La Porte ISD Benefit Booklet. This booklet briefly describes the plans offered for this Plan Year, which is from September 1, 2016 through August 31, La Porte ISD strives to provide a wide array of benefit choices to meet you and your family s needs. The enrollment information provided in this booklet is a brief outline of the benefit coverages available for you and your family. Please see the Reference Center on the benefit website, which contains benefit certificates or plan information sheets, for more details on the plans. You may enroll online for the supplemental benefit plans by following the directions on the last few pages of this OE booklet, or see a Benefits Advisor who will be available to assist you. Your Employee Benefits Plan reflects our school district s values and is a significant part of your compensation package. Some of the benefits require contributions from you, while others are fully paid by La Porte ISD. Elections made for the Open Enrollment plan benefits are deducted from payroll starting in September and coverage is effective September 1, APPOINTMENT Make an appointment with a Benefits Advisor (after July 1st) at Click on Login on top-right of page and click Portal Login for "Schedule an Appointment with a Benefits Advisor. Click box by your District and ITC to pick a day and time, or you can call between 8AM and 4PM. Enrollment assistance will be available based on dates / times at the ITC listed below. WALK-IN Walk-ins welcome, but those with appointments will take precedence. Location for walk-in sessions will also be located at the ITC. ONLINE Visit the enrollment portal at to accept or decline each benefit offered. To set up or reset your password, Company Key is lpisd (case sensitive). Full step-by-step instructions can be found on the very last page of this booklet. Enrollment Help Dates Enrollment Time Enrollment Location Thursday, July 7th 10 AM 6 PM Instructional Technology Center (ITC) Monday Thursday, July 11th - 14th Monday Thursday, July 18th - 21st 8 AM 4 PM (Thursdays are 10 AM 6 PM) 8 AM 4 PM (Thursdays are 10 AM 6 PM) Instructional Technology Center (ITC) Instructional Technology Center (ITC) Thursday, July 28th 10 AM 6 PM Instructional Technology Center (ITC) As all vendors and plans are new this year, please enroll in the new plans for the upcoming year. PLEASE NOTE: If you presently have any of the AFLAC plans, they will no longer be deducted from payroll as of September 1, You can elect the new plans being offered for payroll deduction or, if you would like to keep any of the AFLAC policies, you MUST contact AFLAC at to make arrangements to pay them directly you will NOT auto enroll into the new plans. 2

3 Contacts Benefit VENDOR PHONE WEBSITE DEPENDENT ELIGIBILITY AGE Medical Insurance TRS ActiveCare To age 26 Pharmacy CVS/Caremark To age 26 Dental Insurance DMHO DMHO Delta To age 26 Dental Insurance PPO Delta Insurance To age 26 Vision Insurance Davis Vision To age 26 Critical Illness Allstate To age 26 Cancer Plan Allstate To age 26 Disability Educator Plan Unum N/A Accident Insurance Allstate To age 26 Hospital Indemnity Plan MetLife To age 26 Individual Life Insurance Combined Insurance To age 25 to apply covers to age 26 Group Term Life and Voluntary Term Life Insurance Sun Life To age 26 Identity Theft Protection ilock To age (b) Retirement Savings Plan 403(b) Retirement Savings Plan Flexible Spending Accounts (FSAs) TCG Administrators N/A TCG Administrators N/A TCG Administrators N/A Section 125 Cafeteria Plan Rules The 125 Cafeteria Plan allows you to deduct certain benefit premiums from your gross earnings, before federal withholding taxes are calculated. The amount you elect to have deducted pretax lowers your taxable income. TWO IMPORTANT ITEMS TO KEEP IN MIND You must make an election each plan year to continue your eligibility for cafeteria plan benefits. A benefit cannot be changed during the plan year unless you have a qualified family status change. These changes include, but are not limited to, Marriage or divorce Birth, adoption, or death of a spouse or child Change in a spouse s or dependent s employment status Change in eligibility status of a dependent Becoming Medicare eligible Eligible Benefits Under Section 125 Accident Insurance Cancer Insurance Critical Illness Insurance Dental Insurance Flexible Spending Accounts Hospital Indemnity Plan Medical Insurance Vision Insurance 3

4 Medical Plan The Medical coverage is available to all eligible employees and their eligible dependents to age 26. Employees who have questions on the medical insurance can refer to documents and comparison charts in the Reference Center on the benefit enrollment website at or contact TRS Aetna/Wellsystems directly at or Annual Enrollment is the opportunity for employees to enroll in a TRS-ActiveCare medical plan for the first time, add/drop dependents, change coverage, or move from one medical plan option to another. PLEASE NOTE: The Select Plan is an Exclusive Provider Organization similar to an HMO that s quite restrictive. There are no out-of-network benefits except emergencies. If you live in Fort Bend, Harris or Montgomery County, you must use the Memorial Hermann Accountable Care Network. If you live in Galveston County you can use the Aetna Open Access Network. See for more information about the plans. TRS ActiveCare Plan 1 HD Total premium Employer Contribution (semimonthly) Employee Only $ $ $0.00 $0.00 Employee + Spouse $ $ $ $ Employee + Child(ren) $ $ $ $ Employee + Family $1, $ $ $ TRS ActiveCare Select Plan Total premium Employer Contribution (semimonthly) Employee Only $ $ $ $57.00 Employee + Spouse $1, $ $ $ Employee + Child(ren) $ $ $ $ Employee + Family $1, $ $ $ TRS ActiveCare Plan 2 Total premium Employer Contribution (semimonthly) Employee Only $ $ $ $ Employee + Spouse $1, $ $1, $ Employee + Child(ren) $1, $ $ $ Employee + Family $1, $ $1, $ Questions for my Benefits Advisor: 4

5 Hospital Indemnity Insurance Plan by MetLife Even with a comprehensive health plan that covers expenses, there is a chance you could still have to pay for deductibles, copayments, and co-insurance. This plan can offer added financial protection for out-of-pocket costs related to a covered accident or a covered sickness. Here is how this plan works: GI With MetLife, the plan provides payments in addition to any other insurance payments you may receive Employee Only $7.82 This would help to cover deductibles and out-of-pocket Employee + Spouse $12.68 expenses Employee + Children $12.68 Pays if you are admitted and/or confined to the hospital Employee + Family $18.28 for illness or sickness Plan is Guaranteed Issue for everyone, but there is a 12-month pre-existing clause for illness/sickness, that will not pay for the first 12 months of the policy for items that you are or should be receiving treatment for and/or taking medications Please Note: Routine pregnancies will not be covered under this plan Plan also includes a wellness benefit that pays you for taking an annual health exam Dental Plans by Delta Dental Hospital Indemnity Plan Visiting the dentist can help you and your family keep a great smile as well as maintaining good health. This plan is designed to help you keep your teeth in the best shape possible. Highlights include DHMO Dental Plan NEW No claim forms VENDOR No deductibles No pre-existing conditions No annual maximum Must choose from the Directory of Dentists Orthodontia coverage for up to 24-months New enrollees will receive ID card via USPS Dental Plan Employee Only $6.24 Employee + One $11.87 Employee + Family $17.80 PPO Dental Plan Freedom to choose dentists in- or out-of-network Out-of-pocket costs are lower if you chose from LOWER PRICE the preferred Provider list of in-network PPO dentists Annual deductible of $50 per individual; $150 per family; annual maximum benefit of $1,000 per person Preventive care (e.g., cleaning, exams, and x-rays) is paid at 100% and not subject to the deductible Major services are covered at 50% up to annual maximum No waiting period for major services Orthodontia lifetime maximum of $1,000 for children under age of 26 Basic restorative care (e.g., fillings, root canals & gum treatments) is paid at 80% up to annual maximum Questions for my Benefits Advisor: Dental Plan Employee Only $17.57 Employee + Spouse $35.13 Employee + Children $31.25 Employee + Family $

6 Vision Plan by Davis Vision Keeping up with routine eye exams is extremely important regardless of how perfect your vision might be. On top of providing you with prescriptions for glasses or contacts, your eye doctor can check you for diseases or infections. This plan is designed to help you and your family s vision stay as healthy as possible. Highlights include $10 co-pay for eye exam $10 co-pay for eyeglass basic lenses $150 frame allowance and 20% off balance OR $150 contact lens allowance and 15% off balance Frequency of benefit: Exam once every 12 months; lenses or contact lenses once every 12 months; frame once every 12 months Must choose an in-network provider for less out-of-pocket expense Progressive lenses have co-payments only Employees will receive ID cards via USPS Vision Plan Employee Only $3.60 Employee + Spouse $12.20 Employee + Children $7.56 Employee + Family $10.53 Critical Illness Plan by Allstate Receiving news that you ve been diagnosed with a critical illness can impact your financial and emotional stability. Paying for treatment can be costly and your savings may not cover everything. These plans are designed to help you through the illness. Highlights include GI Plan is Guarantee Issue; some limitations apply Low and High plans available to meet your needs You choose lump-sum benefit amount of $10,000 on Low Plan or $20,000 on High Plan Dependents coverage is 50% of employee s coverage Wellness benefit pays you $50 on Low Plan and $100 on High Plan for annual health screening A percentage of the basic-benefit is payable for each covered person in each category and a recurrence benefit is payable in the critical illness and cancer categories Smoker and Non-Smoker, Age-Banded rates listed in Reference Center Covered Illnesses Heart attack Stroke Major organ transplant End stage renal failure Invasive cancer Coronary artery bypass (25%) Carcinoma in situ (25%) Cancer Plan by Allstate If you are suddenly diagnosed with cancer, it might present a challenge to your family s financial and emotional stability. This plan can help provide financial security as you undergo treatment and are not able to work. Benefits include GI Plans pay directly to offset expenses related to the treatment of cancer and other specified diseases like Lupus, Cystic Fibrosis, Lyme Disease, etc. Choose Low Plan or High Plan Plan pays for hospital stay, new experimental treatment and more Both plans pay $10,000 annually for Radiation/Chemotherapy Both plans pay $10,000 for Blood, Plasma, and Platelets Both plans include a $75 Wellness Benefit Cancer Plan Low Plan High Plan Employee Only $12.25 $13.79 Employee + Spouse $18.87 $21.73 Employee + Children $17.27 $19.66 Family $23.88 $27.59 High plan includes an Intensive Care Unit benefit that will pay $600 daily, up to 45 days, if you are confined to the ICU for ANY reason All employees (this year ONLY), new hires only (within 31 days of hire), and their dependents who apply for coverage during this open enrollment will be guaranteed coverage. Pre-existing condition limitations will apply for one year for those who are not currently in the group cancer plan. A pre-existing condition is a disease or physical condition for which symptoms existed or medical advice or treatment was recommended or received within the twelve-month period prior to the effective date of coverage. Allstate does not pay for any loss due to a pre-existing condition during the first 12-months of coverage. 6

7 Educator Disability Plan by Unum Having disability insurance can help protect your income in the event you become sick, injured, or pregnant, and the doctor says you re unable to work. This plan can help provide financial security for you and your family so you can focus on recovering. Here is how this plan works: In the event that you become sick, injured, or pregnant, and are unable to work, disability insurance helps take the place of your missing paycheck Your monthly benefit will pay you up to 66⅔% of your salary for as long as you are medically disabled up to the age of 65 Prices vary based on how much insurance you select, and on how long an elimination period you select (see rate chart at elimination periods tell you how long you have to wait after being diagnosed as disabled before you get paid your disability benefit; elimination periods for illness/accident are 0/7 days, 14 days, 30 days, 60 days, 90 days, or 180 days Highlights Select coverage in $100 increments; up to 66⅔% of salary or maximum of $7,500 Pays until the doctor says you can return to work, or to age 65 Guaranteed issue for everyone, but any new or enhanced coverage has a 12-month preexisting condition* limitation If you select an elimination period of 30 days or less, the waiting period is waived upon being admitted into the hospital as an "in-patient" for at least 24 hours Accident Insurance Plan by Allstate This plan is designed to help you cope with the costs associated with unexpected accidents. Despite having health insurance, out-ofpocket costs may add up quickly when you factor in expenses like co-payments and deductibles. Here is how this plan works: GI Guaranteed Issue for employees Plan is fully portable even if you leave your employer No deductibles required Pays directly to the employee, based on the schedule of benefits Coverage includes but is not limited to accidents, fractured bones, burns, concussions, broken teeth, emergency room treatment, ambulance, hospital confinement, chiropractic, emergency dental, rehabilitation, sports injuries, accidental death Coverage Cost Employee Only $8.34 Employee + Spouse $12.39 Employee + Children $16.72 Employee + Family $20.90 Individual Life Insurance by Combined Insurance Dependents coverage can be elected up to age 25; covered up to age 26 THIS YEAR ONLY every eligible employee, up to age 70, will be **GUARANTEED up to $150,000 of total coverage without having to provide evidence of insurability; approval of any additional coverage over $150,000 is subject to health and underwriting guidelines set by the insurance company. Coverage available for employee, spouse, and child(ren) Child term rider for dependent child(ren) available for age 15 days old to 25 years old Child(ren) who age out of the Plan are eligible to convert the policy to an unattached, portable policy Children are **Guarantee Issue this year up to $25,000 and spouse (up to age 60) GI has a limited **Guarantee Issue of $25,000 THIS YEAR ONLY See FAQs page for definition of guaranteed issue Detailed rate chart at Highlights Portable Coverage up to age 120 Rates are guaranteed up to age 100 Rider for child(ren) Long-Term Care (LTC pays up to 4% of death benefit up to 25 months) **Some limitations apply, please see a Benefits Advisor or the details in the Reference Center. Questions for my Benefits Advisor: 7

8 Basic Group Term Life and AD&D by Sun Life Your employer provides of $15,000 Basic Life and AD&D insurance coverage at no cost to full-time active employees (20-hour a week minimum). Qualified Retirees who were hired prior to 6/1/1986 are covered up to age 65 for $15,000 of term life. Voluntary Group Term Life Insurance by Sun Life Dependent coverage can only be carried on one employee if both work for the district Dependents covered up to age 26; is still a dependent child Although no dollar amount can ever be placed on the value of your life, this insurance plan can provide stability and protection to your loved ones after you are gone. Here is how this plan works: This policy has age-banded rates for employees, spouse and children. The policy will age the insured as of their age on September of each year and rates will be based on your age-band for that plan year For amounts of coverage still in underwriting after September 1, the effective date of coverage will be the first day of the month following the date of approval by Sun Life Coverage available for spouse and child(ren) ONLY if you have coverage for yourself All existing employees (THIS YEAR ONLY) and New Hires (within 31 days of hire) Guaranteed issue up to limits below; some limitations apply; please see a Benefit Advisor or the Reference Center on the Benefit Website. Employee: Up to $200,000 of coverage GI Spouse: $30,000 of coverage, cannot exceed 100% of employee coverage Children: $10,000 of coverage Any employee electing over the GI limits are subject to underwriting Employee: may apply for coverage in $10,000 increments up to a maximum of $500,000 of coverage Spouse: $10,000 increments to a maximum of $250,000 (not to exceed 100% of employee coverage) Child(ren): $5,000 increments to a maximum of $10,000 Identity Theft Protection by ilock360 Dependents covered up to age 18 Your identity may be your most important asset. It defines who you are, determines how much you can borrow and can be a deciding factor in employment. These factors are why your identity is a target for online criminals. In 2015, identity fraud affected 13.1 million consumers costing a total of $15 billion. Last year, 20% of all fraud losses were due to new account fraud meaning that fraudsters were opening new accounts under stolen identities, going beyond the usual credit card fraud many consumers anticipate. Keep your identity protected with ilock360 s comprehensive identity protection. Here is how this plan works: Basic coverage provided FREE to all eligible employees, but no dependent coverage. You can upgrade for more protection for you and add your spouse and children Monitors your identity 24/7/365 Personal address required to sign up for this program ilock360 Plus Premium Employee Only $4.00 $7.50 Employee + Spouse $7.50 $11.00 Employee + Children $6.50 $10.00 Employee + Family $10.00 $13.75 Service Plus Premium CyberAlert SM Social Security number trace Change of address Sex offender alerts Payday loan Court/criminal records Full service restoration and lost wallet $1M insurance Daily monitoring of one credit bureau (TransUnion) Daily monitoring of three credit bureaus (TransUnion, Equifax, Experian) ScoreTracker adults children 8

9 Catastrophic Sick Leave Bank Eligible employees may select to become members of the Catastrophic Sick Leave Bank through the Benefit Solver website viewable by all employees when electing/declining benefits selections during the annual Open Enrollment period. All fulltime or permanent part-time employees of the District, who have two (2) days of earned local leave as of August 1 of the current school year, are eligible for initial membership in the Catastrophic Sick Leave Bank. Employees new to the district will have 31-days from their date of hire to apply for Catastrophic Sick Leave Bank membership. Please see more information on the Reference Center of the benefit website. 457(b) Retirement Savings Plan Section 457(b) Deferred Compensation Plan refers to Section 457(b) of the Internal Revenue Code of This is a district-sponsored voluntary retirement savings plan that allows an employee to save money for retirement on a tax-deferred basis. This plan allows you to start, stop, increase or decrease contributions at any time. The plan contains most of the same features of the 403(b) plan, but is particularly different in one unique way: distributions from the 457(b) Deferred Compensation Plan are not subject to the 10% excise tax for early withdrawal. In 2016, you can contribute 100% of your includible compensation up to $18,000, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,000 for a total of $24,000 for the year. TCG Administrators (formerly JEM Resource Partners) is the plan administrator; you can elect salary deductions at Your initial password to enroll online is lapor457 (case sensitive). All investing involves risk. Past performance is not a guarantee of future returns. 403(b) Retirement Savings Plan A 403(b) is a retirement savings plan generally offered by public schools and other tax-exempt organizations that allows employees to make contributions on a pretax basis. Most plans allow you to start, stop, increase or decrease contributions at any time. The employer determines the investment providers and employees must open an account with one of those providers to contribute. TCG Administrators (formerly JEM Resource Partners) is the plan administrator; you can elect salary deductions at In 2016, you can contribute 100% of your includible compensation up to $18,000, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,000 for a total of $24,000 for the year. Your initial password to enroll online is lapor403 (case sensitive). All investing involves risk. Past performance is not a guarantee of future returns. Flexible Spending Account (FSA) Medical This plan allows for tax savings on most medical, dental, and vision expenses not covered by insurance. Noncovered expenses apply to all dependent family members even if not covered by a particular insurance plan. The employee estimates an annual election based upon the amount of non-covered expenses expected to be incurred. The maximum election amount for 2016 is $2,550 this amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then set aside for the employee in a special account. A MasterCard debit card will be issued to you to pay for most expenses incurred. Please consult your employee benefits office or a Benefits Advisor, or visit the Reference Center ( for a list of eligible expenses. REMEMBER: If you don't use it, you lose it! You MUST re-enroll every year. Flexible Spending Account (FSA) Dependent Care This is a plan that allows for a tax savings on day care expenses for children under the age of 13 and for dependent adults unable to care for themselves. The employee estimates an annual election for the amount of expenses to be incurred. The annual election amount is deducted in equal parts from each paycheck, before taxes are calculated, and then set aside in a special account for the employee. As expenses are incurred the employee submits a claim and the money is reimbursed to the employee from the employee s account as the monies come in from each paycheck. The IRS does not allow the Dependent Care Account (DCA) to be prefunded. Where accepted, the debit card may be used for payment of dependent care expenses. Please see the summary plan description located on the enrollment website for more information. Note: Any money not claimed by the employee within ninety days (90) after the end of the plan year is forfeited. The maximum annual election amount is $5,000 per household. If you are married and filing separately, each spouse may only elect up to $2,500. Please consult your employee benefits office or a Benefits Advisor, or visit the Reference Center ( for a list of eligible expenses. (See FAQ page). 9

10 Frequently Asked Questions What is Guaranteed Issue (GI)? Also referred to as Guaranteed Acceptance, or GA, means that you can t be turned down for health reasons. Guaranteed Issue is typically offered during initial enrollment for benefits. What is a "pre-existing condition"? A pre-existing condition is a disease or physical condition for which symptoms existed or medical advice or treatment was recommended or received prior to the effective date of coverage. What is a deductible? A deductible is what you must pay for your health care before your insurance pays its part. Most plans have deductibles, which start over when your PLAN YEAR starts over. For example, if your plan has a $1,000 deductible and you have surgery that costs $5,000, you ll pay $1,000 before your insurer helps you cover your bills. What is a co-pay? A copay is a small, fixed amount often $15 or $20 that you pay for covered services like a prescription or a doctor s visit. Some health plans also apply coinsurance to certain services. With it, you pay a percentage of the total cost of care. For example, if you have a 20% coinsurance, and your doctor's appointment costs $300, you'd pay $60. That's if you've met your deductible. What does out-of-pocket maximum mean? Your out-of-pocket maximum is the most you have to pay each year toward your medical services or prescription drugs before your insurance pays for all your care. This amount does not include what you pay in premiums. The Affordable Care Act limits the out-ofpocket maximums. In 2016, for one adult, it can be no more than $6,850, and for a family, it can be no more than $13,700. What does EOB mean? After you ve visited your doctor or had a procedure in a hospital, you ll receive an explanation of benefits (EOB) form explaining how much of the charges your insurance will pay. The EOB isn t a bill itself, but it can tell you what your doctor may charge you. Look for the words due from patient to see how much you may owe after your insurance pays. Before you get certain tests or procedures, do you need permission from your health insurance plan? If your doctor says you need a test or procedure, your health plan may have to give permission if it's to be covered by insurance. Giving that permission is called preauthorization. Your plan's overview of benefits lists what care needs to be preauthorized. If you don't get it when it's required, your health plan won't pay its part of the costs. Dependent Care Accounts If I contribute to a Dependent Care Account, can I also write-off my daycare expenses on my taxes? No, you may not. If you use the Dependent Care Account, you save money up-front on your taxes. Your per-paycheck deductions are taken out of your paycheck before you pay taxes on your income. Thus, your taxable income is less, and you pay less in taxes. What kinds of care does this cover? Before-school and after-school care Expenses for preschool/nursery school Extended day programs Au pair services (amounts paid for the actual care of the dependent) Baby sitter (in or out of the home) Nanny services (amounts paid for the actual care of the dependent) Summer day camp for your qualifying child under the age of 13 Elder day care for a qualifying individual Can I use the dependent care account to fund elder care for my mother/father/spouse? Yes, you may use your Dependent Care account to fund care for individuals who qualify as your dependent child under the age of 13 who lives with you for more than half the year (and for whom you are the custodial parent in cases of divorce) your spouse, or other tax dependent, who is incapable of self-care and lives with you for more than half the year. 10

11 Enrollment Navigation Visit the enrollment website at and click LOGIN to get started. When you enter the site for the first time click Register and proceed. After you have registered, you will go to User Name and Password. If password is forgotten, click Forgot Your Password, and proceed with prompts. AFTER YOU HAVE REGISTERED FOR THE FRST TIME, YOU WILL GO HERE FIRST TIME REGISTERING Your company key is lpisd (case sensitive) FORGOTTEN PASSWORD You will be prompted for SSN, company key, and DOB (MM/DD/YYYY). Follow prompts. Click START HERE You may go to the Reference Center to get more details on the available plans. You can view provider directories for the dental and vision plans if you would like to see the available network providers. Click START ENROLLMENT VIEW CURRENT BENEFITS BY CLICKING HERE The next screen contains text regarding the upcoming changes and important benefits dates. Please read the text and click START ENROLLMENT at the bottom of the page to proceed. You will need to go through each benefit to select or waive each one this year. After you have completed all the benefits you will be directed to the Review Enrollment page. You are still able to make a change to a benefit there also. Click EDIT to the right of the benefit you wish to change or elect. After you review your benefits, please scroll down to the bottom of the page and click NEXT. EDIT HERE When finished making your benefit change, scroll to the bottom of the page and click NEXT. You will advance to the review page. When you are finished reviewing your enrollment and making changes, click APPROVE at the bottom or top of the Review Enrollment page. Continue to the last step on the next page. On the next screen click I AGREE, and then click PRINT for a summary of your chosen benefits. 11