Welcome to Open Enrollment for your Benefits!

Transcription

1 Welcme t Open Enrllment fr yur Benefits! April 9, 2015 USD 475 Geary Cunty Schls ffers yu and yur eligible family members a cmprehensive and valuable benefits prgram. We encurage yu t take the time t educate yurself abut yur ptins and chse the best cverage fr yu and yur family. There are several nice changes t ur benefit package which will be highlighted n the fllwing pages. Please review the changes carefully befre making yur electins fr the new plan year. Once yu have made yur electins, yu will nt be able t change them until the next pen enrllment perid unless yu have a qualified change in family status. When t Enrll Our pen enrllment is nw pen and will clse n the last day f schl - May 22, The health and dental insurance benefits yu elect during pen enrllment will be effective frm July 1, 2015 thrugh June 30, Other insurance cverages, like disability, life, visin, flex, dependent care spending accunts will be effective June 1, 2015 thrugh May 31, Wh must g thrugh the Open Enrllment Prcess? ALL full-time emplyees Thse wh want insurance Thse wh dn t want insurance Teachers leaving at the end f the schl year Design Zywave, Inc. All rights reserved. Grup Benefit Specialists, Inc.KR

2 What s New fr 2015 NEW OPEN ENROLLMENT PROCEDURES! STEP 1: Review yur benefit ptins! A Benefits Vide is linked t the new enrllment prtal n yur USD 475 Emplyee Intranet. It will prvide additinal infrmatin abut ur new plans and hw they cmpare t ur previus plans. Grup presentatins will be made by ur new BC/BS f KS representatives. Feel free t bring yur spuse t ne f these infrmatinal meetings! Mnday, April 13 th 4:00 p.m. City Middle Schl Tuesday, April 14 th 4:00 p.m. Frt Riley Middle Schl STEP 2: Enrll r Waive Medical and Dental On-line! Medical and Dental electins MUST be cmpleted n-line PRIOR t the Open Enrllment meeting scheduled in yur building! Lg in t yur USD 475 Emplyee Intranet Click n Staff ; Quick Links n right hand side fr New Benefits and Insurance Infrmatin. Here is where all f yur benefit infrmatin is lcated! Click n the EasyAppsOnline link (technical issues call EAO at ext 5, M-F 7am 5 pm) Enter yur Last Name, Year f Birth, and Mnth f Birth t find yur file. Elect r Waive the BC/BS Medical ptin Be prepared t prvide details abut ther health insurance yu will carry in additin t the USD 475 health plan s benefits can be crdinated. But DO NOT shw yur prir PHS/Cventry plan infrmatin as that will nt be cnsidered duplicate cverage. Elect r Waive the Delta Dental ptin Print yur medical and dental enrllment chices r bring yur electrnic device t shw cnfirmatin f yur electins as yu prceed t Step 3. STEP 3: Finalize yur Benefit Package Finish yur ther benefit electins during yur building pen enrllment meetings. Watch fr the building schedule t be psted n the Intranet. If yu miss yur building s meeting r if yu want t talk persnally with HR r ur Insurance representatives abut the new plans, plan t cmplete yur enrllment during the fllwing catch up dates at the Devin Center: Mnday, May 18 th and Friday, May 22 nd - all day Thursday, May 21 st 3:00 pm 6:00 pm Nte: the enrllment team at yur building meeting WILL NOT be able t answer yur questins abut ur medical r dental insurance ptins. Medical and Prescriptin Drugs At the start f this schl year, an insurance cmmittee was frmed with emplyee representatin frm arund the district, including administratin and bard representatin. Because ur claims utilizatin was stable, we were able t get health insurance carriers cmpeting fr ur business this year! All f this savings will be passed n t emplyees! We are able t significantly reduce payrll deductins fr all Design Zywave, Inc. All rights reserved. Grup Benefit Specialists, Inc.KR

3 emplyees and ffer plans that will prvide attractive features t meet a wide variety f cverage needs expressed by ur emplyees. A new BC/BS f Kansas package will take effect July 1 st, Watch the Benefit Vide prepared by ur insurance cnsultants frm Grup Benefit Specialists and attend the BC/BS grup presentatins t learn mre abut the new plans. We are nw ffering a high deductible health plan (HDHP) which allws yu t establish a Health Savings Accunt t maximize tax savings available t individual enrlled in HDHP s.. USD 475 Geary Cunty Schls Health Insurance DEDUCTIBLE Optin 1 - $500 Optin 2 - $1,500 Optin 3 - $3,000 HDHP Per Persn $500 $1,500 $3,000 Maximum Per Family $1,000 $3,000 $6,000 COINSURANCE Deductible + Cinsurance 100% Insurance / 0% Patient Per Persn $3,000 $4,000 $3,000 Maximum Per Family $6,000 $8,000 $6,000 COPAYS (cunt twards annual maximums belw) Preventive Care Rider Diagnstic and Rutine Screening Mammgrams and Clnscpy's Lab & X-ray Services Blue Crss and Blue Shield f Kansas July 1, 2015 June 30, 2016 This chart will highlight sme f the cmmn features f the plans, WHEN CARE IS RECEIVED FROM CONTRACTING PROVIDERS. Care frm nn-cntracting prviders will be subject t additinal ut f pcket requirements. Please refer t the BC/BS Benefit Summaries fr further details. 80% Insurance / 20% Patient t $2,500/$5,000 $35 per Dr. Office Visit and eye exam Benefit Year runs July 1 - June 30 $200 Emergency Rm Cpay then Ded & Cins 1 Diagnstic Clnscpy per year, regardless f diagnsis 1 Diagnstic Mammgram per year, regardless f diagnsis First $500 Outpatient Lab/X-ray Paid at 100% by Insurance. Additinal expense subject t Deductible & Cinsurance Subject t Deductible Certain services, when cded as preventive by the dctr, are cvered 100% by insurance. Cvered services are determined by the ACA and include certain immunizatins, well-child wellwman well-man exams, screenings including breast cancer, cervical cancer, clrectal cancer, PSA, steprsis. There are certain apprval criteria, such as age and gender. Subject t Deductible Subject t Deductible PRESCRIPTION DRUGS: Cpays cunt twards annual maximums belw Quantity limits, step therapy, prir authrizatin, and sme drug exclusins may apply. * Illustrative Cpay Cap 34 day supply (100 unit dsage fr maintenance drugs) $15 Generic Cpay $30 Frmulary Brand Cpay $45 Nn-Frmulary Brand Cpay Mailrder Cpays by Tier - $37.50 / $75 / $ Subject t Deductible First, then: $15 Generic Cpay $50 Frmulary Cpay $75 Nn-Frmulary Cpay Mailrder Cpays by Tier - $37.50 / $125 / $ Per Persn $2,000 $1,000 $2,000 Maximum Per Family $4,000 $2,000 $4,000 MAXIMUM OUT OF POCKET per benefit year: Cmbines Deductible, Cinsurance, Cpayments, RX Cpays. Once reached, Insurance will pay 100% f cvered expenses, including prescriptins, fr the remainder f the benefit year. Annual Per Persn $5,000 $5,000 $5,000 Annual Max Per Family $10,000 $10,000 $10,000 * Illustrative Cpay Cap- While there isn't a 'separate' cap n cpays, this will illustrate the accumulatin f cpays it wuld take in rder fr yu t reach the 'Maximum Out f Pcket' limits. Member may select any ptin at pen enrllment effective 7/1/2015. At future pen enrllments, the nly mve that cannt be made is frm Optin 3 t Optin 1. Page3

4 The USD 475 health plans are in cmpliance with the ACA Health Care laws applicable t large emplyers. Our plans meet the minimum value and affrdability guidelines. This means ur full time benefit eligible emplyees and dependents may nt qualify fr tax credits r subsidies n the Marketplace / Exchanges. Optins 1 and 2 are cnsider creditable fr Medicare Part D Prescriptin Drug purpses. The HDHP Optin 3 is nn-creditable. If yu are cnsidering leaving ur plan in the near future and are Medicare eligible, please visit with a representative abut this tpic. Health Savings Accunts (HSA) We encurage yu t review the lng term advantages f participating in a Health Savings Accunt t pay the ut f pcket share f yur medical bills. If yu participate in ur Optin 3, $3,000 High Deductible Health Plan, yu can set aside mney in a Health Savings Accunt (HSA) t pay fr eligible medical, dental and visin expenses. It can even help yu with lng term care expenses in the future. We have psted an HSA Guide n ur Intranet. The Guide will illustrate hw yu can take advantage f the tax saving features by enrlling in ur Optin 3 HDHP and establishing a Health Savings Accunt. The IRS prvides the rules that gvern this tax saving pprtunity, s review the guidelines carefully. In rder t take advantage f the HSA tax savings pprtunity, yu must create an HSA accunt BEFORE yu incur a medical r prescriptin expense. If yu chse nt t fund yur HSA n a regular basis, we suggest that yu pen the accunt with the minimum balance required. Then, befre yu pay fr a medical bill r prescriptin, depsit the mney int yur HSA and use yur HSA checks r debit card t pay yur medical bill. Dental Delta Dental Plan f Kansas USD 475 will be ffer ur Delta Dental benefits separately frm ur BC/BS medical plans starting July 1 st. Yu will need t make yur dental enrllment thrugh the EasyAppsOnline enrllment prcess. Services Amunt Yu Pay Preventive and Diagnstic Services Exams, cleanings, x-rays paid at 100% Basic Services Fillings, simple extractins paid at 50% Majr Services Oral surgery, rt canal, crwns paid at 50% Annual Maximum $1,500 per cvered persn per cntract year July 1 June 30 Mnthly Deductins Emplyee nly $26.49 Family $73.17 Additinal Emplyee Benefit Prgrams: Refer t yur Benefit Guide fr details n the fllwing additinal insurance plans available t USD 475 Geary Cunty Schls emplyees. Visin Cverage Cancer Insurance Term Life Insurance Disability Incme Insurance Sectin 125 Flexible Spending Accunts 403(b) Plan Participatin Page4

5 Yur Cst The Mnthly Payrll Deductin chart illustrates the emplyee payrll deductin amunts that will be deducted frm yur June 2015 paychecks fr the cverage beginning July 1, These figures are subject t change based n the utcme f negtiatins fr the upcming cntract year. MONTHLY PAYROLL DEDUCTIONS - USD 475 GEARY COUNTY SCHOOLS July 1, June 30, 2016 Plan Year Optin 1 Optin 2 Optin 3 $500 $1,500 $3,000 HDHP SINGLE COVERAGE- ALL FULL-TIME Medical $ $91.77 $45.69 Dental Package Ttal: $ $ $72.18 FAMILY - CERTIFIED FAMILY - ADM/HOURLY Medical $ $ $ Package Ttal: $ $ $ Medical $ $ $ Package Ttal: $ $ $ FAMILY - Spuses are bth Certified emplyees fr the District Medical $ $ $ Package Ttal: $ $ $ FAMILY - Spuses are bth Adm/Hurly emplyees fr the District Medical $ $ $ Package Ttal: $ $ $ FAMILY - One Spuse is Certified, ne is an Adm/Hrly emplyee fr the District Medical $ $ $ Package Ttal: $ $ $ DENTAL ONLY - ALL FULL-TIME Single $26.49 Family $73.17 Medical and Dent al benefit s will be ffered separat ely s yu can elect t he cverage yu need! USD 475 current ly cnt ribut es t he fllwing mnt hly amunt s t wards yur healt h insurance premiums: These figures are subject t change based n the utcme f negtiatins fr the upcming cntract year. Bard cntributin twards Single $ Tw Certified $ /7/2015 Bard cntributin twards Family Cert $ Tw Adm/Hurly $ Bard cntributin twards Family Adm/Hrly $ Cert/1 Adm/Hrly $ Design Zywave, Inc. All rights reserved. Grup Benefit Specialists, Inc.KR

6 Yur On-line Enrllment / Waiver Instructins Click n Staff ; Quick Links n right hand side fr New Benefits and Insurance Infrmatin ; Enrll/Waive by clicking n the link. The infrmatin in this Enrllment Guide is presented fr illustrative purpses and is based n infrmatin prvided by the emplyer and the respective carriers. The text cntained in this mem was taken frm varius summary plan descriptins and benefit infrmatin. While every effrt was taken t accurately reprt yur benefits, discrepancies r errrs are always pssible. In case f discrepancy between this mem and the actual plan dcuments, the actual plan dcuments will prevail. All infrmatin is cnfidential, pursuant t the Health Insurance Prtability and Accuntability Act f If yu have any questins abut yur benefits, cntact Human Resurces. Page6