Open Enrollment Benefits August 1 _ 31, Wylie ISD

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Mervyn Tyler
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1 Open Enrollment Benefits August 1 _ 31, 2015 Wylie ISD

2 Medical/Rx Plan Changes ActiveCare 1 HD Comparison Plan Feature Plan Year Plan Year Individual Out of Pocket Max Family Out of Pocket Max Rate Changes $6,350 $9,200 (Out of pocket maximums include medical copays, deductibles, and coinsurance) $6,450 $12,900 (Out of pocket maximums include medical copays, deductibles, and coinsurance, PLUS pharmacy copayments, coinsurance and deductibles) Employee Only $50 $66 Employee & Spouse $575 $639 Employee & Child(ren) $297 $340 Employee & Family $870 $956

coinsurance) $6,450 $12,900 (Out of pocket maximums include medical copays, deductibles, and coinsurance, PLUS pharmacy

3 Medical/Rx Plan Changes ActiveCare Select Comparison Plan Feature Plan Year Plan Year Individual Out of Pocket Max Family Out of Pocket Max Rate Changes $6,350 $9,200 (Out of pocket maximums include medical copays, deductibles, and coinsurance) $6,600 $13,200 (Out of pocket maximums include medical copays, deductibles, and coinsurance, PLUS pharmacy copayments, coinsurance and deductibles) Employee Only $175 $198 Employee & Spouse $769 $847 Employee & Child(ren) $434 $487 Employee & Family $963 $1,056

coinsurance) $6,600 $13,200 (Out of pocket maximums include medical copays, deductibles, and coinsurance, PLUS pharmacy copayments,

4 Medical/Rx Plan Changes ActiveCare 2 Comparison Plan Feature Plan Year Plan Year Individual Out of Pocket Max Family Out of Pocket Max Rate Changes $6,000 $12,000 (Out of pocket maximums include medical copays, deductibles, and coinsurance) $6,600 $13,200 (Out of pocket maximums include medical copays, deductibles, and coinsurance, PLUS pharmacy copayments, coinsurance and deductibles) Employee Only $280 $339 Employee & Spouse $1,012 $1,203 Employee & Child(ren) $600 $717 Employee & Family $1,048 $1,246

$6,600 $13,200 (Out of pocket maximums include medical copays, deductibles, and coinsurance, PLUS pharmacy copayments, coinsurance

5 Side by side comparison of medical plan options

6 PPO Dental Plan The Standard High Option 100/80/50 Plan design option with $1200 maximum annual benefit Previously the annual benefit maximum was $1000 Deductible $5/visit Type 1 (Previously the $50 deductible applied to Type 1 services) $50 Calendar Year Type 2and 3 Claims paid at 90 th percentile of usual & customary fees Coverage for dependent children up to age 26 Orthodontia coverage for adult and child $1000 lifetime maximum per person Employee Only Employee & Spouse Employee & Child Employee & Family $38.81 per month $83.95 per month $77.19 per month $ per month MAX BUILDER Allows qualifying plan participants to carryover part of their unused annual maximum Must submit at least one claim for dental expenses incurred during the benefit year, while staying at or under the $1000 annual benefit maximum A person who submits a claim for services received through the dental contracted provider network earns an extra reward, called the PPO Bonus.

adult and child $1000 lifetime maximum per person Employee Only Employee & Spouse Employee & Child Employee & Family $38.81 per month $83.95 per month $77.19 per month $135.

7 The Standard Low Option 100/70/40 Plan design option with $1000 maximum annual benefit Previously the annual benefit maximum was $750 Deductible $5/visit Type 1 (Previously the $50 deductible applied to Type 1 services) $50 Calendar Year Type 2and 3 Claims paid at 90 th percentile of usual & customary fees Coverage for dependent children up to age 26 No Orthodontia coverage PPO Dental Plan Employee Only Employee & Spouse Employee & Child Employee & Family $27.66 per month $59.33 per month $53.27 per month $93.59 per month MAX BUILDER Allows qualifying plan participants to carryover part of their unused annual maximum Must submit at least one claim for dental expenses incurred during the benefit year, while staying at or under the $1000 annual benefit maximum A person who submits a claim for services received through the dental contracted provider network earns an extra reward, called the PPO Bonus.

Employee Only Employee & Spouse Employee & Child Employee & Family $27.66 per month $59.33 per month $53.27 per month $93.

8 DHMO Dental Plan Lincoln Financial DHMO No co pay on office visit; many other deeply discounted services No annual maximum benefits or deductibles Members must choose a provider from the network to receive benefits Employee Only Employee & Spouse Employee & Child Employee & Family $16.80 per month $32.09 per month $33.80 per month $52.37 per month

provider from the network to receive benefits Employee Only Employee & Spouse Employee

9 Cancer Plan Colonial Cancer Single plan option including Cancer coverage, ICU rider, Specified Disease Coverage, and 1 st Occurrence Benefit Hospital Confinement Benefit Radiation/Chemo Surgery Schedule Benefit Initial Diagnosis Screening Rebate $300 per day $300 per day with $10,000 per year Up to $4,500 max $5,000 $100 Open Enrollment, Guarantee issue coverage. Employee Only $29.85 per month Employee & Family $49.55 per month

Initial Diagnosis Screening Rebate $300 per day $300 per day with $10,000 per year Up to $4,500 max $5,000

10 Vision Plan Superior Vision Exam and eyewear co pay of $15 Elective Contact lens allowance of $150; Paid in full if medically necessary Frame allowance up to $125 retail value $200 allowance on Lasik Employee Only $7.40 per month Employee & Spouse $12.58 per month Employee & Child $13.30 per month Employee & Family $19.98 per month

retail value $200 allowance on Lasik Employee Only $7.

11 Basic & Voluntary Group Term Life Plan Lincoln Benefit $15,000 Life Insurance Coverage for all Employees Provided at no cost by Wylie ISD Spouse Coverage also available, Child Life up to age 26 Additional voluntary coverage available at group rates. ex: $50,000 Coverage Age 25 $4.75 Age 35 $6.25 Age 45 $13.00 Age 55 $30.00 Age 65 $65.50 Guaranteed Issue Coverage to $200,000 employee, $50,000 Spouse Annual increases of $20,000 up to the guaranteed issue limit on voluntary life each year at open enrollment. Coverage good while employed with Wylie ISD.

ex: $50,000 Coverage Age 25 $4.75 Age 35 $6.25 Age 45 $13.00 Age 55 $30.00 Age 65 $65.

12 Disability Insurance Standard Insurance Protects against a loss of income due to sickness or accident 1 st Day hospital confinement benefit Waives elimination period on 0/7, 14/14, 30/30 elimination period plans. Insure up to 66.67% of annual salary $8000 maximum monthly benefit. Elimination Period Rate Per $1000 0/7 $ /14 $ /30 $ /60 $ /90 $15.80

elimination period plans. Insure up to 66.67% of annual salary $8000 maximum monthly benefit.

13 Permanent Life Plan Fidelity Life Permanent, Guaranteed Issue, Life Time Protection, Term Life Insurance Policy. Plus Long Term Care Rider equal to 4% of death benefit, payable for 75 months. Ex: $25,000 death benefit or $1000 monthly LTC benefit payable for 75 Months. 75 month LTC benefit Portable upon termination of employment Premium remains the same. Insure yourself, spouse, and children. Guaranteed issue for all employees up to $100,000. Rates Based on age at issue, guaranteed for life ex: $25,000 Non Smoker Benefit, monthly premium: Age 35 $15.77 Age 45 $26.27 Age 55 $47.50

Ex: $25,000 death benefit or $1000 monthly LTC benefit payable for 75 Months.

14 Medical Gap Plan Specialty Insurance Services Bridges the gap between Active Care 1HD and other PPO plans by: Paying $1,500 per year for each covered person for hospital confinement Paying $4,500 ($1,500 per occurrence) max per year for 3 occurrences of outpatient services includes ER visit, MRI, x ray, lab, outpatient surgery (excludes doctor office visit cost) Guaranteed issue No pre existing condition if not subject to pre existing condition on medical plan Employee Only Employee Spouse >40 $26.89 $ $35.41 $ $74.37 $ Employee Children Employee Family $64.64 $86.57 $69.58 $98.44 $ $188.80

outpatient surgery (excludes doctor office visit cost) Guaranteed issue No pre existing condition if not subject to pre existing condition on medical plan

15 Flexible Spending Account TASC Medical Expense Reimbursement and Dependent Care Reimbursement Debit Card Smart Phone and Tablet Apps MyCash Account Have from 9/1/ /15/2016 to INCUR claims Medical Expense Reimbursement Dr. Visit Co pays Deductible expenses Rx Co pays Uninsured Dental/Vision Expenses Dependent Care Expense Reimbursement Day Care Expenses Elderly Care Expenses

claims Medical Expense Reimbursement Dr.

16 Open Enrollment Enrollers Onsite Date Time Location August 3 rd August 7 th 8a.m. 5p.m. ESC Building Assessment Center August 10 th August 13 th 8a.m. 5p.m. ESC Building Board Room August 14 th 8a.m. 5p.m. ESC Building Assessment Center August 18 th August 20 th 8a.m. 5p.m. Transportation Center August 24 th August 26 th 8a.m. 5p.m. Maintenance Building (Bilingual enrollers) Third Party Administrator, US Employee Benefits

m. 5p.m. Transportation Center August 24 th August 26 th 8a.m. 5p.m. Maintenance Building (Bilingual enrollers) Third Party Administrator, US Employee Benefits 972 772 0900

17 Workers Compensation & Extended Leave Benefits

18 WORKERS COMPENSATION CAMPUS PROCEDURES (click) DEPARTMENTS (click) PAYROLL & BENEFITS (click) WORKERS COMPENSATION If injured, employee should notify the supervisor immediately or go to the campus secretary or designee If injury is life threatening and requires emergency medical treatment, call 911, then please call Cindy Dering x3073, or Brooke Rannebarger at x3046. If injury requires minor medical treatment, the employee must go to any doctor on the Alliance Network list of approved medical providers. To find a current Alliance provider, please go to 1st Class Urgent Care Center located at 1811 E. Bethany Dr. Allen, TX (Bethany Dr. & Angel Pkwy) Concentra Medical Center located at 1621 S. Jupiter Rd. Ste. 101 Garland, TX or any other Concentra Medical Center locations are also approved providers. CareNow located at 7145 N. George Bush Freeway, Garland, TX (Shiloh & 190) or any other CareNow locations are also approved providers.

life threatening and requires emergency medical treatment, call 911, then please call Cindy Dering x3073, or Brooke Rannebarger at x3046.

19 Family Medical Leave Act (FMLA)/Sick Leave Bank (click) DEPARTMENTS (click) PAYROLL & BENEFITS (click) FMLA/EXTENDED LEAVE/SICK BANK INFORMATION All full time employees will earn 5 local leave days and 5 state personal leave days each school year. These personal days can be utilized for any reason following principal approval. If you need to be off more than 5 consecutive days due to illness, surgery or temporary disability contact Benefits for FMLA forms. Wylie Sick Leave Bank is to provide additional sick leave days to members of the bank in the event of catastrophic illness, surgery, or temporary disability due to an injury. You must donate 2 Local Leave Days to become a SLB member at the beginning of employment/school year. The SLB Board is made up of 12 members that serve 2 year terms that runs from Sept. 1 st Aug. 31 st.

year. These personal days can be utilized for any reason following principal approval.

Annual Benefit Enrollment

9/01/2015-8/31/2016 Annual Benefit Enrollment Irving ISD Enrollment is from 07/20/2015 through 08/31/2015 Benefit Updates - What s New: TRS is now offering an HMO plan, Scott & White Health Voluntary Term