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Welcome to Your 2018 Benefits Enrollment Guide We are pleased to offer our full-time, eligible employees a suite of insurance benefits. These benefits give you the opportunity to support your health care and personal needs. Enroll in your desired insurance benefits through the ADP portal: www.portal.adp.com, under Benefits/Health and Welfare. To be eligible for benefits, you must be in a full-time position working at least 30 hours a week on a permanent basis. New Hire Enroll within 30 days of full-time employment start date Benefits selected are effective on 91st day of employment Open Enrollment 2017: November 6-17 2018: November 5-16 (estimated) Any enrollments/changes are effective January 1 Life Qualifying Events Enroll within 30 days of qualifying event (A life qualifying event includes a change in your situation, such as marriage, a new baby, or loss of health coverage. These events may allow you to become eligible for a special enrollment period to make a change in your benefits.) Need Help? Contact our Benefits Department: Main Line: 763.557.1111 or Kelly Black: kblack@nhacademy.net Corey Wilson: cwilson@nhacademy.net What s New in 2018 Medical For 2018, you will see changes to the medical program network, coverage, and rates. These changes help us remain competitive while providing cost-effective benefits for you. Read more about our new partnership with Medica (United Healthcare nationally) within this guide. Health Savings Account The Health Savings Account (HSA) IRS contribution limit for an individual is increasing to $3,450 (increase of $50 from 2017). The family contribution limit will increase to $6,900 (increase of $150 from 2017). 2 2018 Benefits Enrollment Guide
What s Inside... 4 Registration 12 Vision Instructions for ADP portal, enrolling in benefits 6 9 Coverage and benefits 13 Life Insurance & Disability Medical Company paid life insurance and Unum voluntary plans Coverage and benefits 14 Pre-paid Legal and Home & Auto Dental Coverage and benefits Coverage and benefits 10 Flexible Spending Coverage and benefits 15 Other Valuable Information... Detailed insurance information, decision making tools, and short informational videos can be found on your employee intranet (Insider/Currant) or on the ADP Portal. Login information for employee intranet can be obtained from your director. On your Mobile Device. You can now access your employee benefits plan information and resources when you re on the go from your mobile device. newhorizon.mybenefitsapp.com New Horizon Academy Insider www.newhorizonacademy.net/staff Kinderberry Hill Currant www.kinderberryhill.com/staff ADP Portal Document Library Benefits/Health and Welfare/Document Library www.portal.adp.com 3
ADP Self Service Portal What is the ADP portal? The ADP portal is a great tool to: Check paystubs Enroll in direct deposit Attention Smart Phone Users Did you know ADP offers a FREE MOBILE APP where you can view your: Pay statements Flexible spending PTO Change your W4 Enroll/change your insurance benefits And more! How do I log on? Go to https://portal.adp.com If you are a first-time user, select SIGN UP in the portal. You will use this Registration Code: nhacademy-1234 You will be asked to provide a personal registration code.the ADP portal will walk you throught this process. To complete your enrollment, click the confirm elections button after you have selected your benefits. You will need to electronically approve/ sign to complete the enrollment process. How do I enroll or make changes to my benefits? 1. Select Benefits/Health and Welfare. 2. Select the event that allows you to enroll (Annual Enrollment, New Hire, etc). 3. Select the benefits you would like to enroll in or change. 4. After you complete your enrollment, we recommend you pull a confirmation statement to review accuracy. 4 2018 Benefits Enrollment Guide
Your Benefits Enrollment Page Check it out! The ADP Document Library includes detailed insurance information for each plan offered, carrier websites, and basically anything you will need to understand and manage your benefits. Sample Election Confirmation Enrollment in most benefits occurs during open enrollment, as a new hire, or within 30 days of a life qualifying event. Important Resources New Horizon Companies Kelly Black Corey Wilson kblack@nhacademy.net cwilson@nhacademy.net 763-383-6276 763-383-6208 Medical - Medica United Healthcare (National Network) www.medica.com 800-952-3455 Medical HSA Contributions www.myspendingaccount.wageworks.com 800-678-6684 Dental - Delta Dental www.deltadentalmn.org 800-448-3815 Vision - EyeMed www.eyemed.com 866-299-1358 Medical Flex Spending www.myspendingaccount.wageworks.com 800-678-6684 Dependent Care Flexible Spending rnordin@nhacademy.net 763-557-1111 Home and Auto - MetLife www.mybenefits.metlife.com 800-GET-MET8 Legal Plan - MetLaw www.legalplans.com 800-821-6400 Disability, Accident, Voluntary Life Insurance - Unum www.unum.com 866-679-3054 www.portal.adp.com 5
Medical Plan At New Horizon Companies, we are committed to helping you and your family be the healthiest you can be and providing the best coverage, quality, and health care experience for our employees. The changes to your medical options are a step toward that goal. This year we will offer two medical plan options to fit your personal health care needs. Traditional PPO, otherwise known as a Copay Plan HSA-qualified High Deductible Health Plan Both plans include comprehensive health care benefits and 100% coverage for preventitive care services. They will be offered through our new partnership with Medica, an affiliate of the national United Healthcare network. This network provides coverage to ALL employees across the US. Key Terms To understand how the plan works, it helps to know the meaning of these key terms: Deductible How much you will pay for your care before Preferred One pays. Annual Out-of-Pocket Maximum The highest amount you will pay for your care in one year. Provider Medica Would you like to find a provider in our network? Visit Medica.com or call member services. 800-952-3455 www.medica.com Network: Medica Choice with United Health Care Options PPO Network Required Legal Notices Please see Benefits/Health Care Reform on your employee intranet site to review these required notices in detail: Summary of Benefit Coverage (SBC) To help you better understand the three medical plans, there is a SBC for each plan. The SBC provides full details on each of the plans. Medical Glossary of Terminology This glossary gives definitions of many commonly used terms regarding health coverage. Medicaid and the Children s Health Insurance Program If you or your children are eligible for Medicaid or CHIP, your state may have a premium assistance program that can help pay for coverage. Exchange Notice This notice includes information regarding the Federal and State Health Insurance Exchanges available. COBRA First Notice Notifies you of your rights once you enroll in group insurance coverage. 6 2018 Benefits Enrollment Guide
Medica Medical Plan Choices Summary of Coverage In-Network Co-pay Plan High Deductible Plan with HSA Annual Deductible (Single/Family) Out-of-Pocket Maximum (Single/Family) $1,500/$3,000 $6,550/$13,100 $6,350/$12,700 1 $6,550/$13,100 1 Preventative Care Covered by the plan at 100% Convenience Care (Virtuwell / Amwell) You pay a $10 co-pay You pay the deductible then 0% Physician Office Visit You pay a $25 co-pay You pay the deductible then 0% Specialty Office Visits You pay a $50 co-pay You pay the deductible then 0% Inpatient Hospital Services You pay the deductible then 20% You pay the deductible then 0% Outpatient Hospital Services You pay the deductible then 20% You pay the deductible then 0% Urgent Care (clinic based) You pay a $25 co-pay You pay the deductible then 0% Emergency Care You pay the deductible then 20% You pay the deductible then 0% Prescription Drugs (31-day supply) Generic $10 You pay the deductible then 0% Formulary Brand $50 You pay the deductible then 0% Non-Preferred Brand $80 You pay the deductible then 0% Specialty You pay 20% You pay the deductible then 0% Rates (Per Pay Period - 26 deductions per year) Single $71.80 $56.35 Single + Spouse $356.21 $298.78 Single + Children $298.75 $250.59 Family $473.98 $397.59 This is for comparison purposes only. All benefits are for in-network coverage. For a complete description of benefits and exclusions, please read your Certificate of Coverage. 1 Family embedded out-of-pocket maximum. See benefit summary for details. www.portal.adp.com 7
HSA What is a Health Savings Account? A Health Savings Account (HSA) is an account that can be set up to pay for current and future medical expenses. In order to participate in the HSA, you need to elect the High Deductible Health Plan (HDHP). What are the benefits of a Health Savings Account? You can make pre-tax contributions through payroll deduction up to an annual limit: $3,450 for single coverage (additional $1,000 catch up if over age 55) $6,900 for family coverage (additional $1,000 catch up if over age 55) You own your HSA, so your balance can be carried over year after year, even if you terminate employment with New Horizon Companies. This is unlike the use it or lose it rule with Flexible Spending Accounts. You can use the money in the HSA to pay for qualified medical expenses without paying any tax on the withdrawal of these funds. Review eligible expenses at SpendingAccounts.info Does the Company Contribute to my HSA? Yes, We will deposit up to $300 into your HSA account to help you pay for future eligible medical expenses. The annual contribution amount is pro-rated based on effective date. You pay expenses out-of-pocket including prescription drugs. In-Network preventative care is 100% covered. Unused HSA $ roll over to next year. Pay with HSA or other personal funds Meet your deductible Prescription Drug Info Provider WageWorks 800-678-6684 MySpendingAccount.WageWorks.com Within our medical plans, we provide prescription drug coverage that rewards you for utilizing generic drugs, but still offers the choice of other drug options so you can meet the needs of you and your family. Medica s pharmacy program will be administered by CVS Caremark. Caremark will maintain Medica s drug list, process claims and help to better coordinate your care. Here is what you can expect: 90-Day Refill Option: For your convenience, you can get a 90-day supply of a drug that you take regularly. 24/7 Access to Digital Tools & Resources: The free CVS Caremark app, by Caremark, L.L.C, can be downloaded from the Apple App Store or on Google Play. You can also access these same tools and resources on mymedica.com. These tools can help you save money and manage your prescriptions benefits on the go. 8 2018 Benefits Enrollment Guide
Dental Plan Dental benefits provide coverage necessary to help you maintain good dental health. The company offers comprehensive dental coverage for preventative care, along with other services. Cost of Coverage Your bi-weekly per pay period cost: Coverage Level High Low Employee only $18.63 $9.52 Employee +1 $40.02 $20.51 Employee +2 or more $58.30 $32.36 Would you like to find a dentist in our network? Visit DeltaDentalMN.org or call member services. Provider Delta Dental 800-448-3815 DeltaDentalMN.org PPO/Premier Summary of Coverage Delta Dental High Option Low Option Diagnostic & Preventative Covered at 100% (deductible does not apply) Covered at 100% (deductible does not apply) Basic Services Covered 80% after deductible Covered 80% after deductible Major Services Covered 50% after deductible No Coverage Deductible Per Person/Per Family $50/$150 $50/$150 Annual Maximum (Excludes Orthodontia) $1,500 $1,000 Lifetime Orthodontic Maximum $1,000 No Coverage Eligible Dependents Spouse and unmarried dependent children up to age 26 www.portal.adp.com 9
Flexible Spending Accounts Two Flexible Spending Accounts available: Health Care and Dependent Care There are many benefits available to you by participating in a Flexible Spending Account (FSA) program. By taking advantage of Flexible Spending Accounts, you can: Increase your take-home pay Reduce your tax liability Medical FSA Provider WageWorks 800-678-6684 MySpendingAccount.WageWorks.com Summary of Coverage What is a Flexible Spending Account? A way to save money on your out-of-pocket medical and/or dependent care expenses. How is it funded? You select your annual election, which will be split by the number of pay periods remaining in the year and withheld from your paycheck on a pretax basis. Your annual election will be available for reimbursement on your effective date of eligibility. Can the account be funded with pre-tax salary deduction? Yes, payroll deductions that are pre-tax allow you to save between 20-30% on every dollar. Can unused amounts carry over? No, unfortunately the IRS does not allow it. Please plan your annual election accordingly. What expenses are considered eligible for medical FSA? A few examples include deductibles, prescription drug costs, and other costs not covered by your medical, dental, or vision insurance. See spendingaccounts.info for a detailed list of eligible expenses. Any restrictions with a flexible spending plan? If you are enrolled in a HSA medical plan, you can only contribute to your own Health Savings Account, not Medical Flexible Spending. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, or restrictions. Federal and state laws and regulations are subject to change. 10 2018 Benefits Enrollment Guide
Keep in Mind: Because these accounts are tax advantaged, there are many rules to keep in mind. Make sure you understand the rules and restrictions before you enroll. Plan carefully the IRS requires that you forfeit any money remaining in your Health Care and/or Dependent Care FSA at year-end. (This is known as the use-it or lose-it rule.) If you choose to enroll in the Dependent Care FSA, you may not claim the Dependent Care Credit on your taxes. Most people will save more money by using the Dependent Care Flexible Spending Account. Other rules may apply. Additional Information: Details on Flexible Spending Accounts can be found on your employee intranet site. See Benefits/Flex Spending Medical or Dependent Care. Remember Each year you will need to determine your annual contribution. Once a plan election is made, it cannot be changed until the next open enrollment period, unless there is a life qualifying event. You have 30 days from the life qualifying event to make a change accordingly. Dependent Care FSA Provider New Horizon Companies 763-557-1111 N/A Your Choices You may contribute up to the annual maximum shown below. Remember, you will need to re-elect your Flexible Spending contributions each year during open enrollment. Account Annual Maximum Reimbursement Health Care Flexible Spending $2,650 Use the provided debit card from WageWorks Log onto myspendingaccount.wageworks.com and submit eligible expenses Dependent Care Flexible Spending $4,000 Automatically processed and reimbursed on your paycheck each pay period. www.portal.adp.com 11
Vision The voluntary vision plan provides great coverage towards hardware, such as frames, lenses, and contact lenses. Plus, you have the opportunity to get your annual eye exam for $10, if you are not covered under our medical plan. Our medical plan covers your eye exam at 100%. Additional Information: Details on Vision Plans can be found on your employee intranet site. See Benefits/Vision. Provider Eye Med Summary of Coverage Product Eye Exam Spectacle Lenses - Standard Single Vision - Standard Bifocal - Standard Trifocal Plan Network $10 copay $25 copay $25 copay $25 copay Frequency Type of care 866-299-1358 EyeMed.com (Choose the Select Network) Frequency Frames Contact Lenses $0 Copay, $150 allowance; 20% off retail price over $150 $0 Copay, $130 allowance; 15% off retail price over $130 Examination Lenses or Contacts Frames Once every 12 months Once every 12 months Once every 24 months Laser Vision Correction 15% off the retail price or 5% off the promotional price Cost of Coverage Coverage Level Bi-Weekly Cost of Coverage *This is a summary of benefits and does not guarantee coverage. For a complete list of covered services and limitation/exclusions, please refer to the Vision Benefit Plan Summary. Employee only $2.96 Employee + Spouse $5.63 Employee + Child(ren) $5.93 Family $8.46 12 2018 Benefits Enrollment Guide
Company Paid Life Insurance and AD&D Protecting your income and your family is important. The company provides eligible employees with basic term life and AD&D coverage at no cost to you. 2018 Benefits The company provides this benefit to you at no cost. Group Benefit A Directors, Assistant Directors, Curriculum Coordinators, Operations Coordinators, Maintenance, and Corporate Employees $20,000 More Details: Full details on all Unum offerings can be found on your employee intranet site under Benefits. Select Company Life and/or Unum. B Teachers, Enrichment, Nurses, and Safety Monitors $15,000 Provider Unum C Assistant Teachers, Experienced Aides, Aides, and Kitchen Managers $10,000 866-679-3054 Important: Please update your beneficiaries through the ADP Portal. These can be changed at any time. On Unum.com the Web Unum.com Additional Voluntary Policies Available You may also choose to purchase these policies through Unum to protect yourself and your family. Term Life Insurance Term life insurance can provide additional protection to your family if something were to happen to you. Enroll through the ADP portal. Approval will be based on Evidence of Insurability (EOI). See EOI under my links on main enrollment page. Individual Short Term Disability Insurance* Individual short-term disability insurance can help replace a portion of your monthly income if you are unable to work due to a covered injury, illness, or birth of a child. Accident Insurance* Accident insurance can pay you money based on the injury and the treatment you receive, whether it s a simple sprain or something more serious, like an injury from a car accident. The money is paid directly to you and you decide how to spend it. You can also purchase coverage for your spouse and dependent children. * To enroll in Unum Short Term Disability and/or Accident Insurance, log on to the ADP portal and click on the Unum link under benefits. www.portal.adp.com 13
When can I enroll? You can enroll, make changes, and cancel at any time. There is no open enrollment period. How do I enroll? You will not enroll via the ADP Benefits Portal for this benefit. You can enroll by calling 1-800-GET-MET8 or by going online to mybenefits.metlife.com. Cost of coverage varies depending on which plan(s) you purchase. Please Note: This is an after-tax payroll deduction. MetLife Auto and Home MetLife Auto and Home s group insurance program is a way for you to purchase home and/or auto insurance at a discounted rate. Group rates include the following additional discounts: Group Deviation Tenure Billing Discount Products include (but not limited to): Auto (motorcycle also available) Home Renter s, Condo, and Mobile Home Provider MetLife Auto & Home 800-GET-MET8 MyBenefits.MetLife.com MetLaw/Hyatt Legal * Prepaid legal by MetLaw is a group legal plan that provides telephone and office advice for you and your family. Types of services included (but not limited to): Estate Planning Financial Matters Real Estate Matters Family Law Traffic Offenses Identity Theft What if I have a legal matter outside of covered services? The attorney will review the extent of coverage under the plan for your legal matter and will advise you of any applicable fees for uncovered legal matter. Additional Information: Please call Hyatt Legal Plans at 800-821-6400 or visit www.legalplans.com, click on Employees/Members, then click on Thinking of Enrolling? and enter METLAW Cost of Coverage Please Note: This is an after-tax payroll deduction. Bi-Weekly Cost of Coverage $8.31 *You will not receive an insurance card with this program. Once you contact an attorney that accepts MetLaw, you will verify membership before you receive service. Provider MetLaw/Hyatt Legal 800-821-6400 LegalPlans.com 14 2018 Benefits Enrollment Guide
WellConnect Plan Stay Connected We offer a company sponsored Wellness plan called WellConnect. The goal of WellConnect is to bring awareness and make positive choices in our health. Stay connected with WellConnect by checking out our blog. Visit your employee intranet, Benefits/ WellConnect. Watch for more information on WellConnect! We have several ways to stay connected with us. Text Message Program Text the following to 41411 : NHA MN Employees: benefitsnha KBH Employees: benefitskbh NHA IDAHO Employees: benefitsidaho CORP Employees: benefitscorp Social Media Find social media links on our company websites. 401(k) Retirement Plan We are proud to offer a retirement plan that includes a traditional 401(k) plan and a Roth 401(k) plan. You may enroll at any time, once you are eligible. Eligibility in the 401(k) plan is determined as: Worked at least 1,000 hours in the plan year, you are at least 21 years old, and have been employed with the company for one year. Once eligible, you will receive an enrollment packet, which will give you further details regarding our two plan options. Child Care Discounts We are proud to offer a generous discount on child care expense incurred at one of our locations. This discount is available to all employees, regardless of full or part time status. Tuition Reimbursement We offer tuition reimbursement for full time New Horizon Academy and Kinderberry Hill employees. Tuition reimbursement is to compensate the recipient for courses to be used towards an early education degree. See employee intranet for details. Once a plan election is made, it cannot be changed until the next open enrollment period, unless there is a life qualifying event. You will have 30 days from the life qualifying event to make a change accordingly. www.portal.adp.com 15
New Horizon Companies 3405 Annapolis Lane North, Suite 100 Plymouth, MN 55447 PH: 763-557-1111 FAX: 763-383-6101 16 2018 Benefits Enrollment Guide Copyright 2017 New Horizon Enterprises, Ltd. All rights reserved.