Eligibility 3 Dental 10 Medical 4 Vision 12 Prescription 5 Life/Long Term Disability

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MargaretMargaret Wilcox
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2 This Document summarizes the competitive benefits that District 49/CDBOCES offers in order to attract and retain valued employees. These benefits, combined with pay, form a total compensation and rewards package. This Document does not provide you with the details regarding the benefits offered. For specific questions regarding any benefits you are currently eligible for, please refer to the specific Plan document relating to each individual benefit plan. If you need assistance with a question please contact either the insurance carrier or D49 s Benefits Department. THE PLANS IN THIS BOOKLET ARE EFFECTIVE JANUARY 1, 2018 THROUGH DECEMBER 31, 2018, HOWEVER, District 49/CDBOCES MAY CHANGE OR TERMINATE PLANS AND COVERAGE AT ANY TIME WITH A 60-DAY NOTICE. THE DESCRIPTION OF CURRENT BENEFITS DOES NOT GUARANTEE THAT BENEFIT LEVELS WILL CONTINUE INTO THE FUTURE. Eligibility 3 Dental 10 Medical 4 Vision 12 Prescription 5 Life/Long Term Disability 13 Anthem Mobile App 6 Travel Assistance 14 Live health Online 7 EAP 15 Health Savings Account 8 Contact Information 16 NOTICE OF AVAILABILITY District 49/CDBOCES NOTICE OF PRIVACY PRACTICES Anthem (the Plan ) provides health benefits to eligible employees of District 49/CDBOCES (the Company ) and their eligible dependents as described in the summary plan description(s) for the Plan. The Plan creates, receives, uses, maintains and discloses health information about participating employees and dependents in the course of providing these health benefits. The Plan is required by law to provide notice to participants of the Plan s duties and privacy practices with respect to covered individuals protected health information, and has done so by providing to Plan participants a Notice of Privacy Practices, which describes the ways that the Plan uses and discloses PHI (Personal Health Information). To receive a copy of the Plan s Notice of Privacy Practices, you should contact the District 49/CDBOCES Plan Administrator, who has been designated as the Plan s contact person for all issues regarding the Plan s privacy practices and covered individuals privacy rights. You can reach this contact person at: East Woodmen Road, Peyton, CO

3 The IRS allows you to pay for certain benefits on a before-tax basis providing you with a tax savings on the cost of coverage. In return for this tax savings, the IRS restricts your ability to make changes to before-tax benefits. Your before tax benefit elections must remain in effect throughout the plan year unless you have a qualified family status change that necessitates a coverage change. The change in your benefits coverage must be due to and consistent with the qualified family status change. If you make a change to your benefit elections, your payroll deductions may change. It is important for you to remember that you have 30 days from the qualifying event date to make a change to your benefit plan elections. Failure to do so will result in you having to wait for the annual open enrollment period. All enrollments and changes made during the annual open enrollment period are effective January 1st following the Open Enrollment period. For example: If your baby is born on April 24th you must enroll the baby in the health insurance plans by May 24th. Failure to do so will result in you having to wait to enroll the baby during the annual open enrollment period. The baby s coverage will then be effective on January 1st. Life and Disability Insurance As a full-time employee of D49, you are eligible for life insurance and long-tern disability coverage on the 1st of the month following your first annualized paycheck. This benefit is paid 100% by D49. Health Insurance As a full time employee of D49, you are eligible for health insurance on the 1st of the month following your first annualized paycheck. If you have waived coverage before, you can only enroll during open enrollment, or if you experience a HIPAA qualifying event. D49 offers two medical options, but both utilize the same network of providers through Anthem. Please review the plan carefully to determine which plan is best for you and/or your dependents. Dental Plans All full-time employees are eligible for coverage under the dental plan effective on the 1st of the month following your first annualized paycheck. The plan is offered through Delta and has an extensive network of participating providers. Those not enrolled in the dental plan when initially eligible will be considered a late enrollee and will be subject to a 12-month waiting period on Major Services and Orthodontia Services. The late enrollee penalty does not apply to those covered by another plan who enroll within 30 days of loss of the other dental coverage. Vision Plan All full-time employees are eligible for coverage under the D49 sponsored vision plan effective on the 1st of the month following your first annualized paycheck 3

4 D49 s medical plan utilizes a large network of doctors and hospitals who have agreed to provide services at discounted rates. If you use the network, you will receive the highest level of benefits offered by the plan at the lowest cost to you. However, you are not always required to use the network. You always have the complete freedom to select any provider whenever you need care on every plan. However, the non-network benefits are lower and your out-of-pocket costs are higher. Once enrolled, you may use the Directory on the back of this brochure to look up the carrier website to access claims payment information, physician directories, ID cards and to inquire about eligibility. The charts are designed to help you understand and compare your medical benefit options. If you choose the HSA Option, District 49/CDBOCES will contribute $100 per month (single) or $125 per month (family) to your HSA. You are not eligible for the HSA if you are enrolled in Tricare, Medicare or other Health Plan Anthem BlueCross BlueShield Choice Fund PPO Plus with an HSA Anthem BlueCross BlueShield PPO Plus Plan In Network Non Network In Network Non Network Calendar Year Deductible: $2,000 Individual $4,000 Family $4,000 Individual $8,000 Family $1,500 Individual $3,000 Family $3,000 Individual $6,000 Family Coinsurance: 10% 30% 20% 40% Calendar Year Out-of-Pocket Max: $4,000 Individual $6,850 Family $ 8,000 Individual $16,000 Family Lifetime Maximum: Unlimited Unlimited $3,500 Individual $7,000 Family Unlimited $7,000 Individual $14,000 Family Unlimited Physician Office Visit: Deductible, then 10% Deductible, then 30% Specialist Office Visit: Deductible, then 10% Deductible, then 30% Inpatient Hospital: Deductible, then 30% Deductible, then 10% Outpatient Hospital: Deductible, then 30% Emergency Room: Deductible, then 10% Urgent Care: Deductible, then 10% Preventive Care Covered at 100% Deductible, then 30% Includes well-baby care, wellwomen care and adult preventive care PRESCRIPTION DRUGS Retail - 30 day supply Generic Brand: Deductible, then 10% Formulary Brand: Deductible, then 10% Non-Formulary Brand: Deductible, then 10% Specialty Drugs: Deductible, then 10% CONTRIBUTIONS: Mail Order Deductible, then 10% Per Month Employee Only: $0.00 Employee + Spouse: $ Employee + Child(ren): $ Family: $ Not covered $25 copay Deductible, then 40% $50 copay Deductible, then 40% Deductible, then 20% Deductible, then 20% $50 copay Deductible, then 40% Deductible, then 40% Covered at 100% Deductible, then 40% Includes well-baby care, wellwomen and adult preventive care Retail - 30 day supply $10 Copay $50 Copay $70 Copay 20% to $250 Copay max 90-day supply for 2 times the retail copay Per Month $ $ $ $ Not covered

5 D49 s pharmacy management is Express Scripts, Inc., administered through RxBenefits, Inc. There are more than 64,000 pharmacies par cipa ng in your pharmacy network. Important Informa on concerning the Prescrip on Benefits Administrator ID cards: You will receive an ID card which will should be u lized for both medical coverage through Anthem and pharmacy coverage through Express Scripts Inc. Welcome Le er and Summary of Benefits (New Hires): Once your enrollment informa on is sent to the carriers, you will receive a welcome kit from Rx Benefits including a welcome le er, summary of benefits, and mail order form. Maintenance Medica on Coverage: In addi on to local retail access, your employer offers the addi onal benefit of Mail Order. Mail order is available for maintenance medica ons that you and your eligible dependents use on a regular basis. Mail Order allows you to enjoy benefits such as: Home delivery with free standard shipping for up to a 90 day supply of medica on Confiden al, tamper resistant and temperature controlled packaging of your prescrip ons Conveniently order prescrip on refills by Internet or phone any me A registered pharmacist is available 24/7 to answer any ques ons or concerns you may have if you use mail order for your prescrip ons today: Please contact your physician for a new prescrip on wri en up to 90 days If you are a new hire, your welcome kit will include a mail order form to send your prescrip on to your mail order facility with Express Scripts, Inc. Please be sure you have 2 weeks of medica on on hand when you send in the new prescrip on RxHelp@rxbenefits.com A secure, convenient, easy to use, private internet website. To set up your own personal account with a password, visit RxHelp@rxbenefits.com. The website allows you to find a nearby pharmacy, refill mail order prescrip ons, view your claims, print temporary ID cards, research your medica ons, and much more! For addi onal informa on, you can contact RX Benefits at (800)

HSA s are actually a 2 component arrangement of: A) A qualified High Deductible Health insurance Plan (HDHP) and B) A Health Savings Account. One can have A without B but not B without A.

8 HSA s are actually a 2 component arrangement of: A) A qualified High Deductible Health insurance Plan (HDHP) and B) A Health Savings Account. One can have A without B but not B without A. HDHP s differ from existing PPO plans in the following ways: District 49/CDBOCES will contribute $100 per month (single) or $125 per month (family) to your HSA HDHP has no copays (office visit or prescription drugs). All covered services go toward the deductible including office visits and Rx drugs. Office visits and Rx drugs will be charged at carrier negotiated discounted retail prices with paid amounts going toward the deductible. If more than one person covered, deductible becomes family (2x individual) with all family members covered services going toward one family deductible. HSA s: You are not eligible for the HSA if you are enrolled in Tricare, Medicare or other Health Plan 2018 Contributions can be made to the maximum of $3,450 for an individual or $6,900 for a family each year regardless of your deductible. For an expense to be eligible for reimbursement, the HSA must be opened prior to the expense occurring. You may contribute the annual maximum in a calendar year, regardless of when your coverage begins, as long as you are covered for the next 12 months. Interest earned on contributions is tax deferred. Distributions from an HSA for qualified medical expenses are not taxable. There are no time limits for reimbursements. Over-the-Counter (OTC) drugs, medicines and biologicals will no longer be reimbursable through your HSA plan without a prescription. Vision and dental services are qualified medical expenses. Unused funds roll over each year. Distributions made for other than qualified medical expenses are subject to income tax on that amount and a 20% penalty. Anyone covered under Medicare cannot contribute. Anyone covered under FSA/MERP/HRA s, a non-hdhp policy or through the Military-cannot contribute. If you are a veteran, you may not have received veteran s benefits within the last three months. Catch-up Contribution (55+ years old) $1,000 Administration: HSA s are owned by the employee regardless of where funding comes from. Appropriate distribution of funds is the sole responsibility of the employee. Contributions can be employee money, employer money or any combination. Contributions can be a lump sum or made monthly, funded up front or in arrears.

9 Qualified medical expenses are defined by IRS Code, Section 213(d) and include amounts paid for the diagnosis, cure, ** For addi onal details on what qualifies or doesn t qualify as a medical expense see IRS tax publica on 502: Medical and Dental Expenses on the web at h p:// ons.

10 Staying healthy includes obtaining quality dental care for you and your family. D49 s dental plan allows you to use an extensive network of providers and offers flexibility based upon where you choose to access care. You are covered at the highest level if you select dental care through this network, but have the option to obtain care outside the network at a higher cost to you. Once enrolled, you may use the Directory on page 16 in this brochure to look up the carrier website to inquire about additional information. Calendar Year Deductible: Calendar Year In Network Delta Dental PPO Non Network $50 Individual $150 Family $1,200 per member Those not enrolled in the dental plan when initially eligible will be considered a late enrollee and will be subject to a 12-month waiting period on Major Services and Orthodontia Services. Preventive Care: Type 1 Covered at 100%; not subject to deductible Covered at 100% of the non-par max plan allowance; not subject to deductible Basic Services: Type 2 20% 20% Major Services: Type 3 Deductible, then 50% Deductible, then 50% Orthodontic Treatment: Deductible, then 50% Deductible, then 50% Orthodontic Lifetime Maximum: CONTRIBUTIONS: $1,500 Per Month Employee Only: $0.00 Employee + Spouse: $34.16 Employee + Child(ren): $39.26 Employee + Family: $93.79 Using Your Dental Benefits It s so important to use your dental benefits because your oral health is connected to your overall health. Your den st can spot the early signs of systemic diseases and can help you avoid more painful and costly dental procedures in the future. So make dental care a priority. GO TO DELTADENTALCO.COM AND FIND A DENTIST NEAR YOU Choose either a Delta Dental PPO or a Delta Dental Premier provider based on the plan you have. MAKE AN APPOINTMENT.A Delta Dental PPO provider will always cost you less out of pocket, so search for one near you to get the greatest savings. CREATE A SUBSCRIBER ACCOUNT ON OURWEBSITE You can check the specifics of your plan, the status of claims, and much more. NOW, SMILE! You re taking steps to protect your oral health and your overall health! Plus, preven ve services like cleanings and exams are usually free, so there s no reason to wait.

11 DENTAL

D49 offers vision coverage in order to help you pay for your routine vision services and supplies. You can elect vision coverage for yourself and your eligible dependents.

You may use the Directory on page 16 in this brochure to find out more information.

Allowance The mobile website gives at your finger ps access to some of the most used features of the full member website.

Conveniently, members may use the same login for the mobile site as they do when accessing the website from their computer. Not all features require a login.

12 D49 offers vision coverage in order to help you pay for your routine vision services and supplies. You can elect vision coverage for yourself and your eligible dependents. You can see any vision provider you choose, but you will enjoy significant savings when you use our offered vision provider. You may use the Directory on page 16 in this brochure to find out more information. EyeMed - In-Network Eye Exam Copay: $25 Materials Copay: $25 Frequency (Eye Exams): Frequency (Lenses): Frequency (Frames): 12 Months 12 Months 24 Months Frame Benefits: Frames Allowance: $100 Allowance The mobile website gives at your finger ps access to some of the most used features of the full member website. Members can: Just like the full member website, the mobile website is secure and login is required for members to access their informa on. Conveniently, members may use the same login for the mobile site as they do when accessing the website from their computer. Not all features require a login. CONTRIBUTIONS: Per Month Employee Only: $0.00 Employee + Spouse: $3.00 Employee + Child(ren): $3.36 Employee + Family $6.52 Locate a provider The site provides a list of the closest providers to the member s current loca on, point topoint direc ons, maps and the ability to click and call the provider office. View ID card Members can pull up their ID card on their mobile device a helpful feature if their paper ID card is not available for an eye exam appointment or when purchasing eyewear. View benefits Members can reaffirm their in network and out of network benefits coverage and current benefit eligibility. They may access this informa on for all accounts for which they are a member and for all members covered by the accounts. Contact EyeMed Members may click to call our customer care center. Find answers to common ques ons Mobile FAQs offer quick answers to some of the most popular ques ons asked by our members. To learn more about EyeMed Vision Care visit ww.whyeyemed.com.

13 BASIC LIFE AND AND AD&D District 49/CDBOCES provides full-time employees with group life and accidental death and dismemberment (AD&D) insurance through The Standard. The amount to your beneficiary is equal to one times your annual salary - with a minimum of $20,000 and maximum of $300,000. Additionally, if death is a result of an accident, the beneficiary will receive an additional amount equal to one times your annual salary. This coverage is paid for by District 49/CDBOCES. The Standard Life Benefit Amount: Accidental Death & Dismemberment Benefit Amount: 1 x annual earnings to a maximum of $300,000 ; minimum of $20,000 For a covered accidental loss of life, your AD&D coverage amount is equal to your Life coverage amount. For other covered losses, a percentage of this benefit will be payable Age Reductions: Age 65: Reduces by 40% Age 70: Reduces by 65% Age 75: Reduces by 75% Age 80: Reduces by 80% LONG TERM DISABILITY LTD benefits may be paid to you if you meet the plan s definition of disability and a loss of income requirements for the required time period. This benefit is paid for by District 49/CDBOCES. The Standard LTD Benefit Amount: 60% LTD Maximum Benefit: $8,333 LTD Benefit Waiting Period: 90 Days DEFINITION OF DISABILITY LTD Benefit Duration: Social Security Normal Retirement Age You are disabled when the Insurance Carrier determines that: You are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury. For disabilities related to Mental Health, Alcohol/Drug Use and Musculoskeletal Disorder, the benefits are payable for a maximum of 24 months. For complete information, please refer to the Long-Term Disability Certificate DISABILITY BENEFITS END WHEN: You recover Cease to be under the regular and appropriate care of a physician Fail to provide any required proof of disability Fail to submit to a required medical examination Fail to report income from other sources or any other required earnings information Fail to pursue Social Security Disability benefits or Workers Compensation benefits, or die.

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Directory For Questions About... WEB ADDRESS PHONE # District 49/CDBOCES Shannon Hathaway shathaway@d49.org Direct: (719) 495-1158 INSURANCE CARRIERS MEDICAL ~ Anthem www.anthem.

com (800) 268-4063 LIFE & AD&D ~ The Standard www.thestandard.com (800) 937-4783 LONG TERM DISABILITY ~ The Standard www.thestandard.com (800) 937-4783 EAP ~ WorkHealthLIfe EAP h p://www.

16 Directory For Questions About... WEB ADDRESS PHONE # District 49/CDBOCES Shannon Hathaway shathaway@d49.org Direct: (719) INSURANCE CARRIERS MEDICAL ~ Anthem (877) PRESCRIPTIONS ~ Express Scripts RxHelp@rxbenefits.com (800) DENTAL ~ Delta Dental (800) VISION ~ EyeMed (800) LIFE & AD&D ~ The Standard (800) LONG TERM DISABILITY ~ The Standard (800) EAP ~ WorkHealthLIfe EAP h p:// (888) HUB International ~ We are here to answer your benefits questions! HUB International onal.com (719) Your HUB Team Angie Stott onal.com (719) Liz Aragon liz.aragon@hubinterna onal.com (719) Andrea Baldrica andrea.baldrica@hubinterna onal.com (719) CLAIMS ISSUES: Gail Patrick gail.patrick@hubinterna onal.com (719)

Veritas Management Group EMPLOYEE BENEFITS

Veritas Management Group EMPLOYEE BENEFITS Benefit plans effective February 1, 2016 January 31, 2017 Table of Contents How Benefits Work Benefits Eligibility... 3 Enrollment... 3 Changing Your Benefits