Benefit Source. Health Insurance Changes to your 2016 Health Insurance IN THIS ISSUE: Express Scripts Pharmacy: $5 increase across all tiers

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1 Benefit Source IN THIS ISSUE: 2016 Health Insurance Retirement Information Personal Health Team Guide to EOB s Davis Vision Biometric Screenings Blood Drive Fitness Center Reimbursement Cooking Demo 5K Reimbursement Ongoing & Upcoming Reminders Loudoun County Affordable Dwelling Unit Program Calendar Contacts Employee Discounts B E N E F I T S O U R C E M A Y Health Insurance 2016 We are eager to share the facts relating to the School Board approved changes to our health insurance plan design and premiums for Having this information early gives all of you the time you need to educate yourselves on your options, costs and alternatives. The Employee Health, Wellness and Benefits website should be your first resource; and you are certainly welcome to call our office with questions or to schedule personal appointments. Action during this year s open enrollment will only be necessary if you are making changes to your health insurance and/or enrolling in the flexible spending accounts. How you make changes/enroll might be different depending on the implementation of the Oracle Self-Service module and we ll keep you posted over the summer by mail and . Our website is updated as details unfold and as we develop even more resources to help you make your decisions. The chart below outlines the approved changes to plan design. A 9% premium increase was also approved and premiums for active employees and retirees are being developed; they will be posted to our website by the end of June. There is a direct connection between our Wellness Works! program offerings and health insurance costs. In general, healthy, happy employees cost less and early intervention and proper management of chronic diseases have similar benefits. Let s all work together to make this the best year ever for setting and achieving our personal wellness goals in the areas we desire - exercise, mindful eating, conscious financial planning, stress management and any other area that gets you closer to living your best life! Changes to your 2016 Health Insurance Current OAP New OAP Current POS New POS Primary Care Physician Co-pay $15 per visit $20 per visit $15 per visit $20 per visit Specialist Physician Co-pay $30 per visit $40 per visit $30 per visit $40 per visit Mother s Day May 10 Annual Deductible Out-of-Pocket Maximum $200 Individual $400 Family $1,000 Individual $2,000 Family $300 Individual $600 Family $1,500 Individual $3,000 Family No deductible $2,500 Individual $5,000 Family $150 Individual $300 Family $3,000 Individual $6,000 Family ER Visit $100 $150 $100 $150 Memorial Day May 25 Express Scripts Pharmacy: $5 increase across all tiers

2 FAQs: Are you Retiring This Year? P A G E 2 If you are eligible for and considering electing retiree health insurance through LCPS, here are some frequently asked questions that may help you get a head start on your enrollment. Am I eligible for Retiree Health Insurance? You may be eligible for retiree health insurance if you are retiring and immediately collecting your VRS pension, have at least 15 consecutive years of full-time service and have been covered by an LCPS medical plan for at least the 3 years preceding your retirement. I am eligible for Medicare and enrolled in Medicare Part A. Should I enroll in Medicare Part B? If electing retiree health insurance through LCPS, Medicare-eligible retirees must enroll in Medicare Parts A&B and are provided a Medicare Supplement plan for their medical coverage. Be sure to start your application for Medicare Part B at least 2-3 months in advance of your active health insurance end date and provide a copy of your Medicare card, when received, to Employee Health, Wellness and Benefits. Any dependents eligible for Medicare must also enroll in Medicare Parts A&B, and meet the LCPS eligibility requirements, to be covered by the LCPS retiree health insurance plan. Will Medicare allow me to enroll at this time? If you were covered by a creditable plan and are losing coverage due to your retirement, you should be eligible for a Special Enrollment period with Medicare. You may be required to have your employer complete a Request for Employment Information form for Social Security/Medicare to verify your prior coverage and the fact that your active coverage is terminating. Please provide this form to Employee Health, Wellness and Benefits for completion. If I am enrolled in Medicare and the Cigna Medicare Surround plan, which medical insurance is primary? Medicare will be primary for your medical coverage and you will need to visit doctors and facilities that accept Medicare assignment and follow Medicare guidelines. Only Medicare approved expenses will be considered by the Cigna supplement plan. Will there be any change to my prescription plan? If you are a Medicare eligible retiree and enroll in retiree health insurance, you will have a new prescription drug provider, Cigna HealthSpring. If you are using mail order pharmacy, you will need to move your prescriptions to a Medicare D participating mail order pharmacy. A list of these pharmacies will be mailed to you when you are enrolled and you can submit your prescription beginning your effective date of coverage in the Cigna HealthSpring Rx Plan. Please allow 30 days for prescriptions to be set up and delivered to you. For retail prescriptions, simply take your new card to the pharmacy for your fill. Non-Medicare eligible retirees will continue to be covered by Express Scripts and no change to mail order prescriptions needs to be made. Will I have dental and vision coverage if I am Medicare-eligible? Yes. You will be enrolled in the Cigna Vision plan for your corrective vision benefit and will continue to be covered by Delta Dental for your dental benefit. I am not eligible for Medicare. What plans will I be enrolled in? If you are an eligible retiree under 65, and are not Medicareeligible, you can elect to continue on the same plans in which you are currently enrolled but as part of the retiree group. All plans are bundled for retirees so if retiree health insurance is elected, you will receive medical, dental, vision and prescription drug coverage. How do I enroll in Retiree Health Insurance: All retirees eligible for retiree health insurance must complete the Retiree Health Insurance Enrollment/Change form to elect retiree health insurance. Your Plans if Enrolled in LCPS Retiree Health Insurance Medicare Eligible (age 65 or otherwise eligible for Medicare) Medical: Medicare (primary) and Cigna Medicare Surround (secondary) Prescription Drug Plan: Cigna HealthSpring Rx (a Medicare Part D plan provided by LCPS) Vision Plan: Cigna Vision Dental Plan: Delta Dental Not Medicare Eligible (under 65) Medical: Cigna POS or OAP (whichever plan you currently have) Prescription Drug Plan: Express Scripts Vision Plan: Davis Vision Dental Plan: Delta Dental Benefit End Dates for Retirees Wondering when your health insurance benefits will end if you retire at the end of the school year? As long as you complete your contract period, your health insurance benefits should end as follows: 10 month Employees: August 31, month Employees: July 31, month Employees: End of month in which employment ends, in many cases June 30, 2015

3 P A G E 3 One Connection to Total Health and Well-Being Introducing the Personal Health Team! Everyone has different needs when it comes to improving their health and well-being. Do you always know all of your options? Where to get a quick answer? Or where to go for help with a more serious situation? You now have a team of specialists - including individuals trained as nurses, coaches, nutritionists, clinicians and counselors - who will listen, understand your needs and help you find solutions, even when you re not sure where to begin. Dial one phone number for support. Get service that meets your personal needs, at no extra cost. Access confidential assistance from reliable, compassionate professionals. Partner with your health team to take a more active role in your health: Discuss your health assessment results. Learn how to access telephone seminars. Maintain better eating and exercise habits and manage or lose weight. Receive support and encouragement as you set and reach health improvement goals. Quit tobacco use and get one free course of over-the-counter nicotine replacement therapy each year. Here is the one number you need to know: One phone call lets you: Get unbiased information on treatment options so you and your doctor can make decisions that meet your health needs and work best for you. Access support 24 hours a day when you need medical information about a twisted ankle or your child s high fever. Understand preventive screenings and annual exams so you can learn more about how to get and stay healthy. Get help finding your way through the health care system and answering questions about your health coverage. Or do it on your own using online resources: Tools to help you understand your condition and make more informed treatment decisions. Educational information on health topics. Programs to help you with stress, weight, tobacco use, depression and chronic health conditions. Plus, if you have a chronic condition - such as asthma, heart disease or diabetes - you can also work with us to: Create a personal care plan. Understand medications or your doctor s orders. Identify triggers that affect your condition. Monday - Friday: 9AM - 9PM and Saturdays: 9AM - 2PM

4 PAGE A Guide to your Explanation of Benefits See how your benefits are working for you with an easy-to-understand Explanation of Benefits (EOB) document. When a claim is filed under your Cigna benefits plan, you get an EOB. It shows you the costs associated with the medical care you ve received. Because we know health care expenses can be confusing we ve simplified the language and summarized the most important information about the claim. Page 1 Summary overview Date of service In-network savings Provider s name Patient s name Page 2 Glossary Rights of review and appeal Page 3 Claim detail Deductible balance Out-of-pocket balance Amount Cigna paid Expenses you re responsible for The choice is yours. Visit to choose to receive your EOB: Online Paper Both Online EOBs are: Safely stored on Easy to access anywhere, 24 hours a day Printable from your computer if you need a paper copy 4

5 P A G E 5 Loudoun County Public School Please note: When non-collection contact lenses are prescribed, members are responsible for the full cost of the contact lens evaluation, fitting and follow up care. Can I use my Davis Vision plan at Walmart or Sam s Club? Yes! The Davis Vision provider network includes many regional and national retail locations, including Walmart and Sam s Club. However, retail locations do not carry Davis Vision s Collection. Walmart and Sam s Club already include significant discounts in their pricing and additional discounts do not apply at these locations. Planned Replacement: Two boxes/multi-packs, or 1/ Additional discounts not applicable at Walmart or Sam s Club locations. Davis Vision and the Davis Vision logo are registered trademarks of Davis Vision, Inc. All other trademarks are the property of their respective owners.

6 P A G E 6 Upcoming Biometric Screening Events What is your waist circumference? Do you know your blood pressure, glucose and cholesterol? Knowing these numbers is an important part of being, and/ or getting healthy AND these numbers are mandatory for successful completion of the Cigna Health Assessment, which is required for the 2015 Wellness Works! Passport Program. To assist you with KNOWING YOUR NUMBERS - Inova Mobile Health Services will be available every month in 2015 to LCPS employees. Screenings will be held in the cafeteria at the locations listed below. These are FREE screenings for LCPS employees! No appointment necessary; badge required! Tuesday, June 9, :00 am - 12:00 pm Transportation Thursday, August 27, :30 pm - 6:00 pm Farmwell Station Middle, Ashburn Wednesday, July 15, :30 pm - 6:00 pm Administration Building Monday, September 21, :30 pm - 6:00 pm Belmont Ridge Middle, Leesburg Save a life - Donate Blood! Inova Blood Drive LCPS will be hosting a blood drive at the Administration Building on Wednesday, May 27, :30 pm - 6:00 pm Go to to register. LCPS Group ID: 7320 Questions or problems? Contact Toba Azimi at

7 P A G E 7 LCPS Fitness Center Membership Reimbursement Program March 1, May 31, 2015 Starting or staying with an exercise routine isn t always easy. To help you stay motivated and achieve your fitness goals, the LCPS Employee Health, Wellness and Benefits office is providing reimbursement towards fitness membership fees for up to three months. You can be reimbursed up to $50 a month for up to three months ($150.00!), as long as you attend at least 12 times in each month you request reimbursement. All fitness center visits must occur between March 1, 2015 through May 31, This reimbursement is only available to active, full-time LCPS employees and you must be in an active status at the time of reimbursement. For questions about the Fitness Center Membership Reimbursement Program, please contact Employee Health, Wellness and Benefits. Phone: wellness@lcps.org Website: Fitness Center Membership Reimbursement Program Healthy Cooking Demo Wednesday, May 20, :30 pm - 7:00 pm Harmony Middle, Hamilton To register, visit click on Business and Financial Services under the Administration drop down menu. Click on Employee Health, Wellness and Benefits on the left hand side. Click on Workshops & Events or Calendar. 5k Reimbursement Program Whether you're a new runner/biker or an experienced runner/biker, now is the time to get or stay active! We are encouraging you to run/bike a 5k! If you successfully complete a 5k and provide the proper proof between the dates of May 1, August 31, 2015 (all materials must be submitted by close of business on August 31 st ), the LCPS Wellness Works! Program will reimburse the cost of the 5k registration fee, up to $30.00 (one time only). In addition, if you are running/biking a 10k, half marathon, full marathon, mud run or another similar type event, that counts too! We would love to share your success stories. Feedback and pictures can be ed to us at wellness@lcps.org. Details are posted to the Employee Health, Wellness and Benefits website.

8 P A G E 8 Ongoing & Upcoming Lincoln Financial Group (LFG) Office Hours - Do you have questions about your current 403(b) Elective Deferral Plan with LFG? Or maybe you have questions about how to plan for retirement? Representatives from Lincoln Financial Group are available for appointments every Friday from 1:00 pm - 5:30 pm at the Administration Building. Appointments are required. Call to schedule an appointment. Retiring and have questions about your health insurance or 403b/457? Call to schedule an appointment with a Benefits Specialist. Benny Benefits - Find our mascot, Benny Benefits, in this newsletter! Accurately report his location to Phyllis Ford at lcpshealthwellness@lcps.org or before May 31. Your name will be entered into a drawing. Three employees will win a small prize. Good luck! Reminder! You must notify Employee Health, Wellness and Benefits within 30 DAYS of a status change or qualifying event if you wish you make a change to your health insurance. The following events are a few examples of eligible status changes or qualifying events: Marriage or Divorce Birth or Adoption Loss of other health coverage Death of a spouse or child Beginning or returning from an unpaid leave of absence Dependent reaching age 26 Spouse s or other dependent's change in employment status that affects his or her eligibility for medical and/or dental benefits (or his or her employer s open enrollment) Loudoun County Affordable Dwelling Unit Program The Loudoun County Affordable Dwelling Unit (ADU) program provides newly constructed, affordable rental and for-sale housing for incomeeligible citizens who live or work in the county. For more information, contact the Division of Housing and Community Development. Phone: Website:

9 P A G E 9 Calendar of Events May 20 Healthy Cooking Demonstration Harmony Middle School, Hamilton 5:30 pm - 7:00 pm May 27 Blood Drive Administration Building Parking Lot 1:30 pm - 6:00 pm June 3 Seminar - Living Well with Cancer Seneca Ridge Middle School, Sterling 5:00 pm - 6:00 pm June 9 Biometric Screenings Central Garage, Leesburg 9:00 am - 12:00 noon July 8, 15, Golf Instruction 22, 29 Ashburn Area 12:00 pm - 1:00 pm & 1:00 pm - 2:00 pm July 15 Biometric Screenings Administration Building Room 100A 3:30 pm - 6:00 pm August 19 Blood Drive Administration Building, Parking Lot 1:30 pm - 6:00 pm August 27 Biometric Screenings Farmwell Station Middle, Ashburn 3:30 pm - 6:00 pm Sept 9, 16, Tobacco Cessation 5 week course 23, 30 & Administration Building, Room 211 Health Insurance Cigna or 24 Hour Nurse Information Line: Express Scripts Pharmacy or Delta Dental or Davis Vision or Flexible Spending Accounts CompuSys/ERISA or Retirement Savings Plans Virginia Retirement System (VRS) or VRS 457 Deferred Compensation Plan Defined Contribution Plans or 403(b) Elective Deferral with Lincoln Financial Group (LFG) or Long Term Care Programs Virginia Retired Teachers Association Genworth Life Insurance Company or Credit Unions Contacts Apple Federal Credit Union or Loudoun Credit Union or Oct. 7 Sept 23 Sept 30 5:30 pm - 6:30 pm Seminar - Pack a Healthy Lunch Location TBD 5:00 pm - 6:00 pm Healthy Cooking Demonstration Stone Hill Middle, Ashburn 5:30 pm - 7:00 pm Employee Health, Wellness & Benefits or lcpshealthwellness@lcps.org Fax: Retirement & Disability Programs or lcpsretiredisability@lcps.org Fax:

10 P A G E 10 New New Employee Discounts Ashburn Chiropractic & Rehab Free Private Consultation and Exam Dr. Aloysius Broussard Harry Byrd Hwy., #125, Ashburn Cycle Scene First 3 classes free and 20% discount on all classes Waxpool Road, #127, Ashburn Virginia Smiles Dental Care 50% discount on all co-pays and co-insurance and employees without dental insurance get 40% discount on office fees. Office open on Saturdays! Sycolin Road, Suite 100, Ashburn Springhouse Green Discount on raised garden beds Amy Fox or afox@springhouse.com Uncle Maddio's Pizza Joint 10% discount on all dine in or carry out Dulles Retail Plaza, Dulles Saxton Chiropractic & Rehab, PLLC Donate 25% of initial exam cost to your PTA Ridgetop Circle, Suite 105, Sterling Colonial Williamsburg 50% discount to staff who present a ID badge. This discount does not include family members and is only on full-price general admission tickets. You must get your tickets at the ticket sales window, no online sales. 310 S England St, Williamsburg CBoutique and Gift Shop 20% discount off regular priced items on Tuesdays. Coffee Bar on site. 120B E. Market Street, Leesburg T-Mobile Advantage Program 15% off every line on your account Promo Code: 15672TMOFAV Current customers can click here: Justin.Moser2@t-mobile.com Provident Funding - Mortgage Benefit Program 0.25% off the price of a home loan Andrew Joyner - AJoyner@provident.com 440 S. Church Street, Suite 820, Charlotte Ext (Must show LCPS badge to receive discount)