Hamilton County Schools. Employee Benefit Plans

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Elisabeth Harper
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1 Hamilton County Schools Employee Benefit Plans

2 Benefits at no cost to the Employee Board Paid Life Insurance Dental Long Term Disability Benefits with a cost to the Employee Medical EyeMed Vision Care Supplemental Life Insurance Voluntary Benefits Benefits Personal Finance Flexible Spending Accounts 403B Retirement Savings

3 Life Insurance/Long Term Disability $20,000 Life and Accidental Death and Dismemberment policy at no cost to employee Long term disability insurance at no cost to employee

4 Dental Reimbursement Program Employee may elect coverage for self and family Licensed dentist of choice Reimburses 80% of the first $250 of dental expenses then 50% of the next $1,600, maximum of $1,000 per fiscal year Fiscal year starts July 1 st ends June 30 th Member pays first for the dental services then submits completed claim form. Claim must be made within 180 calendar days of dental service Claim form may be downloaded at

5 Employee Contributions BlueCross BlueShield PPO or CIGNA HMO Plan EE Only EE + Spouse EE Child(ren) Family $ per pay period $ per pay period $ per pay period $ per pay period EyeMed Voluntary Vision Plan EE Only EE + Spouse EE + Children Family $2.57 per pay period $4.88 per pay period $5.14 per pay period $7.55 per pay period Supplemental Life Insurance See rates at

6 In-Network Medical Plans BlueCross BlueShield PPO $450 calendar year deductible Plan pays 90% you pay 10% Individual out of pocket $1,750 Family out of pocket $4,750 Out of Network $800 calendar year deductible Plan pays 70% you pay 30% Individual out of pocket $3,000 Family out of pocket $9,000 Prescriptions (CVS Caremark) $5 Generic/$20 Brand/$30 Non-Preferred Brand 90 day supply with one co-pay at mail order

7 Medical Plans CIGNA HMO In-Network Providers Only Office visit co-pay family doctor $15 Office visit co-pay specialist $20 In-patient hospital co-pay $100 Emergency room co-pay $100 Out patient surgery co-pay $50 Urgent Care Facility co-pay $50 Plan pays 100% after co-pays External Prosthetics $200 deductible then plan pays 100% Prescriptions $10 Generic/$20 Brand $40 non-preferred brand Mail order 90 day supply $25 generic $55 brand $115 non-preferred brand

8 In-Network Medical Plans CIGNA High Deductible Plan $5,000 calendar year deductible Plan pays 80% you pay 30% Individual out of pocket $6,300 Family out of pocket $12,600 Out of Network $10,000 calendar year deductible Plan pays 60% you pay 40% Individual out of pocket $12,600 Family out of pocket $25,200 Prescriptions 30% Generic/40% Preferred Brand/50% Non- Preferred Brand

9 Employee Contributions CIGNA High Deductible Health Plan EE Only EE + Spouse EE Child(ren) Family $ per pay period $ per pay period $ per pay period $ per pay period

10 Medical Plans All Medical Plans cover Preventative Services at 100%

11 EyeMed Voluntary Vision Plan Wide network of Independent and national retail providers such as LensCrafters, Pearle Vision, Sunglass Hut, Sears, JCPenney and Target Optical. $10 copay for annual eye exam $15 copay for lenses Frames 100% up to $120 and 20% discount over this amount

12 Supplemental Life Insurance Employees earning more than $20,000 annually may purchase in increments of $10,000 to a max of $300,000 without medical questions and $500,000 with medical underwriting $5,000 or $10,000 policy options for your spouse $5,000 per child policy available Rate information available at

13 Voluntary Benefits Offered by Washington National Insurance Company and Liberty National Call Nick Barratini at ext. 7251or Wanda Sear at Life Cancer Short Term Disability Heart/Stroke Hospital Indemnity Intensive Care

14 Health Care and Dependent Care Flexible Spending Accounts (FSA s) Calendar year election Money is deducted from paycheck pre-tax Money in the health care account may be used to pay for medical/dental services that are not reimbursed by insurance (example, deductibles or co-pays) Money in dependent care account may be used to pay child care expenses Plan regulated and subject to IRS rules More information available at

15 403B Retirement Savings Retirement Savings in addition to TCRS pension plan Enroll by contacting the vendor of your choice Vendor list at

16 Enrollment Full-time employees enroll 1 st of month following the 60 th day of employment Must complete benefit enrollment form even if declining health/dental coverage to receive Board provided benefits (life insurance and long term disability) Beneficiary required on enrollment form in the event of death

19 Life Status Changes Benefit changes not allowed during the year except in the event of a life status change such as Birth/adoption of a child (even if you already have family coverage) Marriage Legal Separation Divorce Change in spouse s employment Must notify and submit proof of life event to Benefits Department within 30 days of event. Changes submitted past 30 days are not accepted.

20 Open Enrollment Period Open enrollment held the month of October allows employees to make benefit changes such as: elect new coverage change or delete coverage add or delete dependents Elections/changes made during the open enrollment period are effective January 1 st of The following year. Elections/changes are done via Employee Online. Employees are notified of open enrollment via Global .

21 Benefits Department Contact Information Phone: (423) Fax: (423) Address: 3074 Hickory Valley Road, Chattanooga, TN

22 Benefits Information Available on Website

2012 MERIALChoice Benefits

2012 MERIALChoice Benefits MERIALChoice u Medical Plan Comprehensive healthcare protection for all full-time and part-time regular employees. If selected, coverage begins on your date of hire for you and