BASIC INSURANCE BENEFITS ARIZONA PUBLIC SCHOOLS

Transcription

1 BASIC INSURANCE BENEFITS ARIZONA PUBLIC SCHOOLS Prepared by the Arizona Education Association Center for Research & Development Andrew Morrill, President Mark Simons, Executive Director Nancy Hall, Research Assistant Roxanne Rash, Printing Specialist January 2015 Arizona Education Association, affiliated with the National Education Association

2 TABLE OF CONTENTS Foreword 3 Explanation of Column Headings 4 Medical Expenses Insurance 5 Dental Expenses Insurance 19 Short-term Disability and Life Insurance 25 Eligibility for Insurance and Insurance Committees 29 AEA Research & Development 2

3 The information contained in this report was collected by a survey of local associations and school districts during the school year. A total of 55 locals, school districts, or colleges submitted forms in varying states of completion. For districts for which there are multiple insurance plans or providers, or from which there is more than one submitted survey with differing information, multiple lines of data are shown. For each major category of the questionnaire on benefits, the responses are listed alphabetically by school district name. te page 4 listing an explanation of column headings and abbreviations. All cost information is presented on a monthly basis. FOREWORD A blank indicates that sufficient information was not provided for that field. COMMON ABBREVIATIONS ASHIP EBT HDHP HMO HSA Ind OAP POS PPO SDHP TPA - Arizona School Board Association Insurance Trust - Arizona State Health Insurance Plan - Benefit Trust - High Deductible Health Plan - Health Maintenance Organization - Health Savings Account - Indemnity - Open Access Plan (PPO/HMO hybrid) - Point of Service - Preferred Provider Organization - Self-directed Health Plan - Third Party Administrator AEA Research & Development 3

4 EXPLANATION OF COLUMN HEADINGS INSURANCE PREMIUM Single Premium individual monthly premium for employee coverage dollar amount employee pays per month dollar amount district pays per month Spouse coverage monthly premium for employeeplus-spouse (or one), Spouse, Children coverage monthly premium for family Children coverage monthly premium for employeeplus-children Cafeteria Plan? Is the benefit offered as one of several from which the employee may choose? MEDICAL Type Type of Coverage Ind = Indemnity HMO = Health Maintenance Organization PPO = Preferred Provider Organization POS = Point Of Service EPO = Exclusive Provider Option Deduct annual dollar deductible per person (also Dental) Co-Pay % percent of major medical paid by insured Co-Pay HMO co-pay amount per visit paid by insured Provider Insurance Company or Trust INSURANCE COMMITTEES Committee Representatives Emp = number of employee members Adm = number of administrator members Brd = number of school board members Specific Assn. Rep? Is the Local Association specifically represented on the committee? AEA Research & Development 4

5 School SINGLE PREMIUM MEDICAL EXPENSES INSURANCE EMPLOYEE & SPOUSE EMPLOYEE, SPOUSE & CHILDREN EMPLOYEE & CHILDREN AGUILA ELEM ALHAMBRA ELEM (1) ALHAMBRA ELEM (2) ALHAMBRA ELEM (3) AMPHITHEATER (1) AMPHITHEATER (2) AMPHITHEATER (3) APACHE JUNCTION (1) APACHE JUNCTION (2) APACHE JUNCTION (3) ARLINGTON ELEM AVONDALE ELEM (1) AVONDALE ELEM (2) AVONDALE ELEM (3) BEAVER CREEK ELEM (1) BEAVER CREEK ELEM (2) BEAVER CREEK ELEM (3) BENSON ELEM (1) BENSON ELEM (2) BENSON ELEM (3) CAMP VERDE (1) CAMP VERDE (2) CAMP VERDE (3) CASA GRANDE ELEM CATALINA FOOTHILLS (1) CATALINA FOOTHILLS (2) CONCHO ELEM ELFRIDA ELEM (1) ELFRIDA ELEM (2) FLAGSTAFF FLORENCE (1) FLORENCE (2) FLORENCE (3) AEA Research & Development 5

6 School SINGLE PREMIUM MEDICAL EXPENSES INSURANCE EMPLOYEE & SPOUSE EMPLOYEE, SPOUSE & CHILDREN EMPLOYEE & CHILDREN FLOWING WELLS GILBERT (1) GILBERT (2) GILBERT (3) GLOBE HEBER-OVERGAARD (1) HEBER-OVERGAARD (2) HEBER-OVERGAARD (3) HEBER-OVERGAARD (4) HIGLEY (1) HIGLEY (2) HIGLEY (3) LITCHFIELD ELEM (1) LITCHFIELD ELEM (2) LITCHFIELD ELEM (3) LITTLEFIELD ELEM (1) LITTLEFIELD ELEM (2) LITTLEFIELD ELEM (3) MARANA (1) MARANA (2) MARANA (3) MCNARY MCNEAL ELEM MOHAVE VALLEY ELEM MORRISTOWN ELEM MURPHY ELEM (1) MURPHY ELEM (2) NOGALES (1) NOGALES (2) NOGALES (3) NOGALES (4) NORTHLAND PIONEER COLLEGE (1) AEA Research & Development 6

7 School SINGLE PREMIUM MEDICAL EXPENSES INSURANCE EMPLOYEE & SPOUSE EMPLOYEE, SPOUSE & CHILDREN EMPLOYEE & CHILDREN NORTHLAND PIONEER COLLEGE (2) ORACLE ELEM (1) remaining remaining 0.00 remaining 0.00 remaining 0.00 balance balance balance balance ORACLE ELEM (2) remaining remaining 0.00 remaining 0.00 remaining 0.00 balance balance balance balance PARADISE VALLEYR (1) PARADISE VALLEYR (2) PARKER (1) PARKER (2) PARKER (3) PATAGONIA ELEM PATAGONIA UNION PHOENIX ELEM PRESCOTT (1) PRESCOTT (2) PRESCOTT (3) QUARTZSITE ELEM (1) QUARTZSITE ELEM (2) QUARTZSITE ELEM (3) RIVERSIDE ELEM (1) RIVERSIDE ELEM (2) SADDLE MOUNTAIN (1) SADDLE MOUNTAIN (2) SADDLE MOUNTAIN (3) SANTA CRUZ VLY SANTA CRUZ VLY UNION (1) SANTA CRUZ VLY UNION (2) SNOWFLAKE (1) SNOWFLAKE (2) SOLOMON ELEM SOMERTON ELEM (1) SOMERTON ELEM (2) SOMERTON ELEM (3) AEA Research & Development 7

8 School SINGLE PREMIUM MEDICAL EXPENSES INSURANCE EMPLOYEE & SPOUSE EMPLOYEE, SPOUSE & CHILDREN EMPLOYEE & CHILDREN ST JOHNS (1) ST JOHNS (2) ST JOHNS (3) SUNNYSIDE (1) SUNNYSIDE (2) SUNNYSIDE (3) SUPERIOR (1) SUPERIOR (2) SUPERIOR (3) TEMPE ELEM (1) TEMPE ELEM (2) TEMPE ELEM (3) TOLLESON UNION (1) TOLLESON UNION (2) TOLLESON UNION (3) UNION ELEM spouse - 20 pays employee only family - 20 pays employee only children - 20 pays employee only VAIL ELEM (1) VAIL ELEM (2) WHITERIVER WILLIAMS (1) WILLIAMS (2) WILLIAMS (3) WILSON ELEM WINDOW ROCK AEA Research & Development 8

9 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider AGUILA ELEM Yes PPO ASBA Insurance Trust ALHAMBRA ELEM (1) Yes HSA % full amount first of the month until deductible is following the date of hire met then 20% This is the High Deductible Health Plan ALHAMBRA ELEM (2) Yes PPO % first of the month following the date of hire This is the Value Gold Plan ALHAMBRA ELEM (3) Yes PPO First of the month following the date of hire This is our Gold Plan AMPHITHEATER (1) PPO % 1st of month after HDHP hire High Deductible Health Plan $1250 AMPHITHEATER (2) PPO % st of month after Classic Silver Plan hire Silver Plan AMPHITHEATER (3) PPO st of month after Co-Pay Gold Plan hire Gold Plan APACHE JUNCTION (1) Yes HSA % 20% after The first day of the United Healthcare deductible is met month following a 60 day probationary period The above amounts are for the least expense plan (H.S.A Deductible)for new hires only. The contribution is a larger amount for employees hired prior to APACHE JUNCTION (2) Yes HSA % 20% after deducible is met Same as HSA 2500 The first day of the month following a 60 day probationary period United Healthcare AEA Research & Development 9

10 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider APACHE JUNCTION (3) Yes HMO % Varies Same as HSA 2500 United Healthcare & 1250 Same as HSA 2500 & HSA 1250 ARLINGTON ELEM Yes PPO st of the month Meritain AVONDALE ELEM (1) Yes HSA % <=30 /Meritain coverage begins 1st of the month following hire date. contributes $54.00 quarterly to HSA for employees enrolled in this plan. AVONDALE ELEM (2) Yes PPO % <=30 /Meritain coverage begins 1st of the month following hire date. AVONDALE ELEM (3) Yes PPO <=30 /Meritain coverage begins 1st of the month following date of hire. This plan is set copays for all medical expenses BEAVER CREEK ELEM (1) Yes PPO Cert. and 60 Classified Benefit Plan-Value Gold BEAVER CREEK ELEM (2) Yes PPO Cert. and 60 Classified Benefit Plan-Classic Gold BEAVER CREEK ELEM (3) Yes PPO Cert and 60 Classified Benefit Plan - Co-Pay Gold BENSON ELEM (1) Yes PPO % the first day of next month after employment BENSON ELEM (2) Yes PPO the first day of next month after employment BENSON ELEM (3) Yes PPO % st day of the next month after employment CAMP VERDE (1) Yes HSA % 30 CAMP VERDE (2) Yes PPO % CAMP VERDE (3) Yes PPO % CASA GRANDE ELEM Yes PPO % N/A Certified - ne, Classified - 1st day of the month in which empl reaches their 90th work day. Self-Insured CATALINA FOOTHILLS (1) Yes PPO It is effective the first of the month following employment Blue Cross/Blue Shield through /Meretain AEA Research & Development 10

11 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider CATALINA FOOTHILLS (2) Yes PPO % It is effective the first of the month following employment Blue Cross/Blue Shield thru /Meretain CONCHO ELEM Yes PPO up to 30 days also provides dental, life, and AD&D insurance for the full time employee (35+ hrs/wk). s may pay for insurance for a spouse and/or children. Part-time employees may purchase insurance if they choose. ELFRIDA ELEM (1) PPO First of the month Meritain / after hire eligible if working more than 30 hours per week ELFRIDA ELEM (2) PPO % 0.00 First of the month Meritain/ after hire School provides the difference in premium from the regular plan and this high deductible plan. This money is placed in a HSA plan. FLAGSTAFF PPO % BCBS OF AZ FLORENCE (1) Yes PPO % and 60 The rates listed above are for the Employer Sponsored plan. FLORENCE (2) Yes HSA % 30 and 60 THE RATES LISTED ABOVE ARE FOR THE HDHP PLAN AND THE DISTRICT PROVIDES EACH COVERED EMPLOYEE WITH AN HSA FUNDED WITH $ PER MONTH IN IT. FLORENCE (3) Yes PPO AND 60 THE RATES LISTED ABOVE ARE FOR OUR UPGRADE MEDICAL PLAN. FLOWING WELLS PPO % for certified and Health Net (specialist is 60 for support 50.00) These are figures for the mid-range medical plan; 87% of participating employees choose this plan. GILBERT (1) PPO % 30 days/certified, 60 days/classified Meritain - TPA BCBS of AZ GILBERT (2) HSA % 30 days/certified, Meritain - TPA BCBS of AZ 60 days/classified The funds $ to the employee's HSA. GILBERT (3) HSA % 30 days/certified, 60 days/classified Meritain - TPA, BCBS of AZ The funds $ to the employee's HSA. GLOBE PPO Blue Cross Blue Shield waiting period is applied to classified employees only AEA Research & Development 11

12 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider HEBER-OVERGAARD (1) Yes PPO % st of the month following hire date Navajo County Schools Benefit Trust pays employee cost, employee pays for any additional coverage. Deductible is $ individual or $ family HEBER-OVERGAARD (2) Yes HSA % contracted rate 1st of the month following hire date Navajo County Schools Benefit Trust pays employee cost, employee pays for any additional coverage. This is a High Deductible Health Plan. pays 100% of medical cost until deductible is met, then insurance pays 100% $2500 deductible individual / $ Family HEBER-OVERGAARD (3) Yes PPO % Navajo County Schools Benefit Trust pays employee cost, employee pays for any additional coverage. Deductible is $ individual or $ family HEBER-OVERGAARD (4) Yes HSA % contracted Navajo County Schools rate Benefit Trust pays employee cost, employee pays for any additional coverage. This is a High Deductible Health Plan. pays 100% of medical cost until deductible is met, then insurance pays 100% $2500 deductible individual / $ Family HIGLEY (1) Yes PPO % Meritain Health HIGLEY (2) Yes PPO Meritain Health HIGLEY (3) Yes HSA Meritain Health LITCHFIELD ELEM (1) Yes HSA % n/a 31 LITCHFIELD ELEM (2) Yes PPO % LITCHFIELD ELEM (3) Yes PPO LITTLEFIELD ELEM (1) Yes PPO % LITTLEFIELD ELEM (2) Yes PPO % LITTLEFIELD ELEM (3) Yes PPO % 1 MARANA (1) Yes HSA % N/A 30 /Meritain 1.0 FTE-$1000 HSA, 0.75 FTE-$750 HSA, 0.5 FTE-$500 HSA MARANA (2) Yes PPO % 20/30 30 Asbait/Meritain MARANA (3) Yes PPO /40 30 Asbait/Meritain MCNARY PPO /ASBA MCNEAL ELEM PPO Up to 30 days ASBA Insurance Trust MOHAVE VALLEY ELEM Yes PPO First of month following hire date Meritain MORRISTOWN ELEM PPO 30 Blue Cross Blue Shild MURPHY ELEM (1) PPO % BLUE CROSS BLUE SHIELD OF ARIZONA MURPHY ELEM (2) PPO % BLUE CROSS BLUE SHIELD OF ARIZONA AEA Research & Development 12

13 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider NOGALES (1) Yes PPO % The enrollment effective date is the 1st of the month following the date of employment. NOGALES (2) Yes PPO % s are eligible for coverage on the 1st of the month following employment. This is for the Standard Plan - Classic Gold NOGALES (3) Yes PPO % Effective date is 1st of the month following date of hire. This is the Buy-Up plan for the district; Co-Pay Platinum NOGALES (4) Yes HSA % 0 Effective dates is 1st of the month following date of hire. This is the High Deductible Health Plan $1250 and the district contributes $60/mth to the HSA. NORTHLAND PIONEER COLLEGE (1) Yes PPO % First day of month following start day Summit Administrative Services, Inc. NORTHLAND PIONEER COLLEGE (2) Yes HSA First day of month following start day Summit Administrative Services Inc. For 1c-ii An HSA is not an insurance plan. It is an HDHP. ORACLE ELEM (1) Yes PPO for certified and Meritain / admin / 60 for classified "Platinum Coverage" - covers the first $ for FT employee. eligible to buy up and pay difference. ORACLE ELEM (2) Yes PPO % 0 for certified and Meritain/ admin / 60 for classified "Classic Gold" = covers first $ for FT employee. is eligible to buy up and pay difference. PARADISE VALLEYR (1) Yes PPO % Primary Care 20/30 Specialist 45/55 1st of the month following hire date United Healthcare PARADISE VALLEYR (2) Yes HSA % once deductible has been met 20/30 or 45/55 1st of the month following hire date United Healthcare PARKER (1) PPO % First of the month following w/meritain Health - TPA employment The district pays 100% of the employee premium. s pay for their own dependent coverage. Plan Name: Value Gold. AEA Research & Development 13

14 MEDICAL EXPENSES INSURANCE School Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay New Emp Waiting Period Provider PARKER (2) PPO % First of the month following w/meritain Health- TPA employment pays 100% of employee premium. pays for their dependent coverage. Plan Name: Classic Gold PARKER (3) PPO % days following employment w/meritain Health - TPA pays 100% of employee premium. pays for their dependents. Plan Name: Value Silver PATAGONIA ELEM Yes PPO % PATAGONIA UNION Yes PPO % ASBAiT PHOENIX ELEM POS % UHC PRESCOTT (1) PPO % maximum of 30 BCBS OF AZ We also offer a "buy-up" where the employee pays an additional amount, and a HDHP with an HSA PRESCOTT (2) PPO % maximum of 30 BC/BS PRESCOTT (3) HSA max of 30 BC/BS (we are self funded--yuebt) The district also contributes &63.40 to an HSA for each employee QUARTZSITE ELEM (1) Yes PPO QUARTZSITE ELEM (2) Yes PPO QUARTZSITE ELEM (3) Yes PPO RIVERSIDE ELEM (1) Yes HMO Meritain/ RIVERSIDE ELEM (2) Yes HSA % Meritain/ HDHP$1250; ER contributes premium difference $129 per month from Gold HMO plan to HDHP to HSA for those enrolled in HDHP SADDLE MOUNTAIN (1) Yes PPO % BCBS OF AZ Classic Silver plan SADDLE MOUNTAIN (2) Yes PPO % BCBS OF AZ Classic Gold SADDLE MOUNTAIN (3) Yes PPO BCBS OF AZ CO-PAY GOLD PLAN SANTA CRUZ VLY Yes PPO % SANTA CRUZ VLY UNION (1) Yes PPO First day of following month SANTA CRUZ VLY UNION (2) Yes PPO N/A First day of following month SNOWFLAKE (1) HSA BLUE CROSS / BLUE SHEILD FAMILY DEDUCTIBLE AEA Research & Development 14

15 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider SNOWFLAKE (2) PPO % BLUE CROSS / BLUE SHEILD SOLOMON ELEM PPO Do not have children coverage either plus one or family SOMERTON ELEM (1) Yes PPO % First day of the following month of hire BCBS OF AZ SOMERTON ELEM (2) Yes PPO First day of the following month of hire BCBS of AZ SOMERTON ELEM (3) Yes PPO % N/A First day of the following month of hire BCBS of AZ ST JOHNS (1) Yes PPO Meritain ST JOHNS (2) Yes PPO % Meritain ST JOHNS (3) Yes PPO % Meritain SUNNYSIDE (1) Yes PPO st of the month following 30 Blue Cross Blue Shield SUNNYSIDE (2) Yes PPO % st of the month following 30 Blue Cross Blue Shield SUNNYSIDE (3) Yes PPO st of the month following 30 Blue Cross Blue Shield SUPERIOR (1) Yes PPO First day of the Meritain month following the month the employee was hired We offer three different medical plans and each plan offers a different monthly premium amount. The information I included is the plan with the largest premium. SUPERIOR (2) Yes PPO First day of the month following the month the employee was hired Meritain SUPERIOR (3) Yes PPO First day of the month following the month the employee was hired. Meritain AEA Research & Development 15

16 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider TEMPE ELEM (1) Yes PPO % days after start Blue Cross Blue Shield and bumped up to next month This is for our Low PPO Plan with a $1500 deductible TEMPE ELEM (2) Yes PPO % days after start Blue Cross Blue Shield and bumped up to next month This is for our High PPO with a $750 deductible TEMPE ELEM (3) Yes HSA % depends on 30 days after start Blue Cross Blue Shield doctor and bumped up to next month This is for our PPO Saver with HSA TOLLESON UNION (1) HSA United Health Care 2500 HDHP plan TOLLESON UNION (2) HSA United Health Care 1500 HDHP TOLLESON UNION (3) PPO % United Health Care Base Plan UNION ELEM PPO Meritain Monthly premium amounts are calculated by amt x 12 months / by 20 pays VAIL ELEM (1) PPO % eligible first of month following hire date VAIL ELEM (2) PPO eligible first of month following hire date WHITERIVER PPO % WILLIAMS (1) PPO % days certified, 1st of month after 60 days classified This is our mid grade plan. We have a buy up and a high deductible also. WILLIAMS (2) PPO % days certified, 1st of month after 60 days classified This is the buy-up plan AEA Research & Development 16

17 School MEDICAL EXPENSES INSURANCE New Emp Waiting Cafeteria Plan Type Available Deduct Co-Pay % Co-Pay Period Provider WILLIAMS (3) Indemnity % 0 for certified 1st of the month after 60 days for classified This is our high deductible plan WILSON ELEM Yes PPO % Blue Cross Blue Shield of Arizona WINDOW ROCK PPO % st of the month following hire date Self Insured - TPA services provided by Summit AEA Research & Development 17

18 School SINGLE PREMIUM DENTAL EXPENSES INSURANCE EMPLOYEE & SPOUSE EMPLOYEE, SPOUSE & CHILDREN EMPLOYEE & CHILDREN AGUILA ELEM ALHAMBRA ELEM (1) ALHAMBRA ELEM (2) AMPHITHEATER (1) AMPHITHEATER (2) APACHE JUNCTION (1) APACHE JUNCTION (2) ARLINGTON ELEM AVONDALE ELEM (1) AVONDALE ELEM (2) BEAVER CREEK ELEM BENSON ELEM Included in Medical CAMP VERDE CASA GRANDE ELEM CATALINA FOOTHILLS (1) CATALINA FOOTHILLS (2) CONCHO ELEM ELFRIDA ELEM FLAGSTAFF FLORENCE (1) FLORENCE (2) FLOWING WELLS (1) FLOWING WELLS (2) GILBERT Included in Medical GLOBE HEBER-OVERGAARD HIGLEY (1) HIGLEY (2) LITCHFIELD ELEM LITTLEFIELD ELEM Included in Medical MARANA (1) MARANA (2) MCNARY AEA Research & Development 18

19 School SINGLE PREMIUM DENTAL EXPENSES INSURANCE EMPLOYEE & SPOUSE EMPLOYEE, SPOUSE & CHILDREN EMPLOYEE & CHILDREN MCNEAL ELEM MOHAVE VALLEY ELEM MORRISTOWN ELEM MURPHY ELEM (1) MURPHY ELEM (2) NOGALES Included in Medical NORTHLAND PIONEER COLLEGE ORACLE ELEM PARADISE VALLEYR (1) PARADISE VALLEYR (2) PARKER Included in Medical PATAGONIA ELEM PATAGONIA UNION PHOENIX ELEM PRESCOTT (1) PRESCOTT (2) QUARTZSITE ELEM RIVERSIDE ELEM SADDLE MOUNTAIN SANTA CRUZ VLY (1) SANTA CRUZ VLY (2) SANTA CRUZ VLY UNION SNOWFLAKE SOLOMON ELEM SOMERTON ELEM ST JOHNS SUNNYSIDE (1) SUNNYSIDE (2) SUPERIOR TEMPE ELEM (1) TEMPE ELEM (2) TOLLESON UNION (1) TOLLESON UNION (2) AEA Research & Development 19

20 School SINGLE PREMIUM DENTAL EXPENSES INSURANCE EMPLOYEE & SPOUSE EMPLOYEE, SPOUSE & CHILDREN EMPLOYEE & CHILDREN UNION ELEM Included in Medical VAIL ELEM (1) Included in Medical VAIL ELEM (2) Included in Medical WHITERIVER WILLIAMS WILSON ELEM Included in Medical WINDOW ROCK Included in Medical AEA Research & Development 20

21 School Cafeteria Plan DENTAL EXPENSES INSURANCE Deduct New Emp Waiting Period AGUILA ELEM Yes ASBA Insurance Trust ALHAMBRA ELEM (1) Yes 0.00 First of the month following the date of hire Employers Dental Services ALHAMBRA ELEM (2) Yes First of the month following the date of hire AMPHITHEATER (1) st of month after hire AMPHITHEATER (2) st of month after hire Employers Dental Services (EDS) APACHE JUNCTION (1) Yes 0.00 Same as Healthcare Plans Total Dental Administrators APACHE JUNCTION (2) Yes Same as Healthcare Plans ARLINGTON ELEM Yes 1st of the month Meritian AVONDALE ELEM (1) Yes 0.00 <=30 Total Dental Administrators AVONDALE ELEM (2) Yes <=30 Total Dental Administrators BEAVER CREEK ELEM Yes Cert and 60 Classified - Rural Schools Benefit Trust BENSON ELEM Yes st day of next month after employment CAMP VERDE Yes DELTA DENTAL CASA GRANDE ELEM Yes Same as medical CATALINA FOOTHILLS (1) Yes days, starts 1st of the following month after employment date CATALINA FOOTHILLS (2) Yes varies 0-30 days, starts 1st of the following month after employment date EDS Dental CONCHO ELEM Yes up to 30 days ELFRIDA ELEM First of the month after hire Meritain / FLAGSTAFF DELTA DENTAL OF AZ FLORENCE (1) Yes AND 60 DAYS TOTAL DENTAL ADMINISTRATORS FLORENCE (2) Yes AND 60 DAYS TOTAL DENTAL ADMINISTRATORS FLOWING WELLS (1) none 30 certified and 60 support EDS FLOWING WELLS (2) for certified and 60 for support Cigna GILBERT Yes Meritain - TPA, BCBS of AZ GLOBE Deltal Dental HEBER-OVERGAARD Yes st of the month following hire date(cert) or 1st of the month following probation for classified Blue Cross Blue Shield HIGLEY (1) Yes Meritain Health AEA Research & Development 21 Provider

22 School Cafeteria Plan DENTAL EXPENSES INSURANCE Deduct New Emp Waiting Period HIGLEY (2) Yes Employers Dental Services LITCHFIELD ELEM Yes LITTLEFIELD ELEM Yes MARANA (1) Yes Employers Dental Service MARANA (2) Yes Asbait/Meritain MCNARY /ASBA MCNEAL ELEM 0.00 Up to 30 days ASBA Insurance Trust MOHAVE VALLEY ELEM Yes First of month following hire date of AZ MORRISTOWN ELEM MURPHY ELEM (1) EMPLOYER DENTAL SERVICES MURPHY ELEM (2) DELTA DENTAL OF ARIZONA NOGALES Yes NORTHLAND PIONEER COLLEGE Yes First day of month following start day Summit Adminstative Services, Inc. ORACLE ELEM Yes Meritain / PARADISE VALLEYR (1) Yes st of month following hire date PARADISE VALLEYR (2) Yes st of the month following hire date PARKER days from date of employment Ameritas PATAGONIA ELEM Yes PATAGONIA UNION Yes PHOENIX ELEM Delta PRESCOTT (1) Yes max of 30 PRESCOTT (2) Yes max of QUARTZSITE ELEM Yes RIVERSIDE ELEM United Concordia SADDLE MOUNTAIN Yes BCBS of AZ SANTA CRUZ VLY (1) SANTA CRUZ VLY (2) SANTA CRUZ VLY UNION Yes First day of next month SNOWFLAKE Yes BLUE CROSS / BLUE SHIELD SOLOMON ELEM 0 SOMERTON ELEM Yes First of the folllowing month of hire Guardian ST JOHNS Yes Meritain SUNNYSIDE (1) Yes st of the month following 30 TDA SUNNYSIDE (2) Yes st of the month following 30 AEA Research & Development 22 Provider

23 School Cafeteria Plan DENTAL EXPENSES INSURANCE Deduct New Emp Waiting Period SUPERIOR Yes First day of the month following the month the employee was hired. Principal TEMPE ELEM (1) Yes days after start and bumped up to next month TEMPE ELEM (2) Yes days after start and bumped up to next month TOLLESON UNION (1) TOLLESON UNION (2) TDA UNION ELEM Meritain VAIL ELEM (1) 0.00 first of the month following date of hire Employer's Dental Services VAIL ELEM (2) first of the month following hire date Principal Dental WHITERIVER Reliance Standard WILLIAMS for certified, 1st of month after 60 days for classified WILSON ELEM Yes Dental Dental of Arizona WINDOW ROCK st day of the month following hire Self-funded - TPA services provided by Summit Provider AEA Research & Development 23

24 SHORT-TERM DISABILITY LIFE INSURANCE School PREMIUM Number of Days Before Eligible Percent of Salary Covered Cafeteria Plan PREMIUM Dollar BENEFIT or Percent of Salary Cafeteria Plan AGUILA ELEM short-term disability ALHAMBRA ELEM 8 100% Yes 0.00 Yes pays all cost of Short-term disability they qualify for. The cost to the district depends on the amount of salary of the employee AMPHITHEATER % APACHE JUNCTION ARLINGTON ELEM The premium amount is based on an employees salary amount, and there are a multitude of options available for employees to select. short-term disability AVONDALE ELEM % Yes Yes Premiums are flat rate determined by coverage amount selected. Therefore, premium amounts vary. Premiums $0.077 per $10,000 of coverage for Basic Life paid by. Additional life insurance available to employees up to 5 times annual compensation. Rate set based on age and coverage amount. BEAVER CREEK ELEM short-term disability BENSON ELEM short-term disability. Included in medical CAMP VERDE short-term disability CASA GRANDE ELEM % Included in medical CATALINA FOOTHILLS varies % Yes varies Yes provides 50,000 and employee can purchase more. CONCHO ELEM short-term disability s may purchase $10,000 for spouse or $5,000 for each child ELFRIDA ELEM short-term disability can purchase additional coverage for their family at there cost at $4.15 (flat rate for all dependents) FLAGSTAFF FLORENCE % THIS IS A VOLUNTARY PLAN 100% OF SALARY COVERED UP TO $80, FLOWING WELLS % pays $.12 per $1000 of volume. AEA Research & Development 24

25 SHORT-TERM DISABILITY LIFE INSURANCE School PREMIUM Number of Days Before Eligible Percent of Salary Covered Cafeteria Plan PREMIUM Dollar BENEFIT or Percent of Salary Cafeteria Plan GILBERT Yes Included in medical. 100 Yes Voluntary insurance is available through Assurant to cover days. Meritain - TPA self-funded STD covers days is 1 times the employee's salary is paid by the district. Additional life insurance is available on a voluntary basis. included in the medical, dental, vision benefit. GLOBE short-term disability We also having a matching AD&D HEBER-OVERGAARD short-term disability. 1.5 HIGLEY % Monthly premium cost based upon salary Premiums are based upon age/coverage amount. LITCHFIELD ELEM Policies vary per individual. 100% paid by employee LITTLEFIELD ELEM 1 Yes Included in medical Yes All short term disability premium is paid by the employee. The rate is based on individual salary. MARANA % Yes Yes MCNARY short-term disability MCNEAL ELEM short-term disability MOHAVE VALLEY ELEM short-term disability MORRISTOWN ELEM MURPHY ELEM % NOGALES short-term disability. Included in medical NORTHLAND PIONEER short-term disability COLLEGE ORACLE ELEM Yes Yes PARADISE VALLEYR STD Benefits dependent on age / plan enrolled in through AFLAC. short-term disability per 1K 1 x PARKER % /employ ee 1.5 is also self insured through. additional charges made by ADBAIT for STD coverage mo. Full-time enrolled employees must have 24 days of banked sick leave and have been here 3 years to qualify month Full-time employees must provides 1.5 x salary of employee and $2000 spouse and $2000 Children coverage through Group Life. Additional Voluntary Life and AD&D coverage available to employee that they pay for. PATAGONIA ELEM % PATAGONIA UNION % AEA Research & Development 25

26 SHORT-TERM DISABILITY LIFE INSURANCE School PREMIUM Number of Days Before Eligible Percent of Salary Covered Cafeteria Plan PREMIUM Dollar BENEFIT or Percent of Salary Cafeteria Plan PHOENIX ELEM PRESCOTT short-term disability. Included in medical QUARTZSITE ELEM short-term disability RIVERSIDE ELEM 100% % SADDLE MOUNTAIN short-term disability SANTA CRUZ VLY short-term disability SANTA CRUZ VLY UNION short-term disability SNOWFLAKE Included in medical. 1 1/2 times annual salary&cr;&lf;or at least SOLOMON ELEM Yes Yes SOMERTON ELEM EMPLOYEE PAYS BASED ON AGE short-term disability Life insurance is paid 100% by the and monthly premium is determine by gender, age, etc. ST JOHNS Yes Yes SUNNYSIDE Short Term Disability is a private plan offered as a payroll deduction. s can select a wide variety of waiting periods and benefit coverage levels. Basic Life Insurance is provided to non-administrative employees for $25,000. Administrative employees must pay for $100,000 life insurance at $8.95 per month. SUPERIOR % Yes Yes TEMPE ELEM % Yes Yes Premiums are based on employee's salary. s pay a monthly premium and receive a monthly benefit based on salary. Basic Life is paid for by the. It is 1.5 of employee's salary for certified and classifed full time employees. It is 2.0 of administrator's salary. The district pays 100% for 1 x's the employees annual salary. TOLLESON UNION 100% % 100 pays cost per amount per month selected up to 66% of pay. does not contribute to STD. UNION ELEM 30 life insurance. VAIL ELEM % WHITERIVER % WILLIAMS short-term disability WILSON ELEM % Yes Included in medical Yes AEA Research & Development 26

27 SHORT-TERM DISABILITY LIFE INSURANCE School PREMIUM Number of Days Before Eligible Percent of Salary Covered Cafeteria Plan PREMIUM Dollar BENEFIT or Percent of Salary Cafeteria Plan WINDOW ROCK differ % Premium is based on annual salary and maximum weekly benefits that would be paid for each salary. Voluntary and employee pays entire premium. provides $40,000 of coverage for each employee. Additional amounts for employee, spouse and children are available where employee pays entire premium. AEA Research & Development 27

28 ELIGIBILITY FOR INSURANCE INSURANCE COMMITTEE School Hours Required to Participate Hours Required for Full Part-time Prorated? COMMITTEE Pro-ration REPRESENTATIVES Formula Emp Admin Brd Specific Assn Rep? CHANGES REQUIRE APPROVAL BY Committee Assn Level Appeal Process AGUILA ELEM ALHAMBRA ELEM none Yes Yes AMPHITHEATER Yes if Certified Yes and less than 30 hours, 80% of district contribution (FET ) APACHE JUNCTION ARLINGTON ELEM AVONDALE ELEM Yes Yes Yes BEAVER CREEK ELEM BENSON ELEM CAMP VERDE Yes CASA GRANDE ELEM CATALINA FOOTHILLS Yes FTE amount Yes Yes CONCHO ELEM 1 35 ELFRIDA ELEM FLAGSTAFF FLORENCE Yes Yes Yes Yes FLOWING WELLS Yes GILBERT Yes Yes Yes GLOBE HEBER-OVERGAARD HIGLEY LITCHFIELD ELEM LITTLEFIELD ELEM Yes 75% of Yes Yes premium is paid by district MARANA 30 Yes Yes Yes Yes Yes FTE/0.75 FTE/1.0 FTE MCNARY 30 AEA Research & Development 28

29 ELIGIBILITY FOR INSURANCE INSURANCE COMMITTEE School Hours Required to Participate Hours Required for Full Part-time Prorated? COMMITTEE Pro-ration REPRESENTATIVES Formula Emp Admin Brd Specific Assn Rep? CHANGES REQUIRE APPROVAL BY Committee Assn Level Appeal Process MCNEAL ELEM Yes Yes MOHAVE VALLEY ELEM MORRISTOWN ELEM MURPHY ELEM NOGALES NORTHLAND PIONEER COLLEGE ORACLE ELEM PARADISE VALLEYR Yes Yes PARKER Yes Yes Yes PATAGONIA ELEM PATAGONIA UNION PHOENIX ELEM PRESCOTT Yes see above QUARTZSITE ELEM RIVERSIDE ELEM SADDLE MOUNTAIN Yes SANTA CRUZ VLY SANTA CRUZ VLY UNION SNOWFLAKE SOLOMON ELEM SOMERTON ELEM Yes Yes Yes ST JOHNS SUNNYSIDE Yes $ x Yes Yes Yes SUPERIOR TEMPE ELEM Yes Yes Yes Yes TOLLESON UNION Yes Yes UNION ELEM VAIL ELEM Yes Yes Yes Yes Yes WHITERIVER WILLIAMS WILSON ELEM Yes Yes WINDOW ROCK AEA Research & Development 29