3 What s New For This Pla Year 2015 New Volutary Beefits ING Employee Beefits, Reliastar Life Isurace Compay Whole Life Isurace with log term care rider. Trasamerica Life Isurace Compay Critical Illess Isurace. Over the years BCPS employees have expressed a iterest i log-term care beefits as well as portable life isurace coverage. Additioally, there was a eed to provide a more broad cacer isurace type beefit. After a complete review of a array of volutary products available i today s marketplace, BCPS idetified these two programs as the volutary beefit offerigs that will be made available this year for BCPS employees. If you have questios about these programs, please visit our Website at www.bcps.org/offices/beefits. Backgroud o Flexible Spedig Accouts A Flexible Spedig Accout (FSA) allows you to pay for certai medical ad/or depedet care expeses with pre tax dollars. Because you will ot pay ay Federal, State*, Local*, FICA or Medicare taxes o this icome, you ca save about 30 for every 100 you elect to defer. FSA maximum deductio for 2015 has bee reduced to 2,500. There are two types of FSAs. The Medical Care FSA helps you pay for medically ecessary expeses ot covered or oly partially covered by your health, detal ad/or visio isurace. The Depedet Care FSA helps you pay for certai depedet care expeses, such as day care for a child or elderly adult. Maximum deductio for Depedet Care FSA remais at 5,000. If you sped your ow moey o: Copays Deductibles Coisurace Prescriptio drugs Over-the-couter badages Detal care ad orthodotic expeses Visio care, eyeglasses ad cotact leses Day care (for childre or elderly adult) Before ad/or after school care Summer day camp You ca save 30% o these ad other costs by erollig i a Flexible Spedig Accout. How Flexible Spedig Accouts Will Save You Moey Most of us have expeses for medical services ad supplies that are ot fully covered by isurace or reimbursed by ay other sources. Also, some of us have childcare or eldercare expeses that we icur so that we ca work. If you aticipate expeses i either of these categories, erollig i a FSA ca save you moey. Whe you participate i a FSA, you elect to have a specific amout of dollars deducted from your gross earigs (before tax) each pay period. Participatig i both accouts will result i two separate payroll deductios. By cotributig pre-tax dollars, you lower your taxable icome ad icrease your spedable icome! I fact, by participatig you are actually usig dollars you would have paid i taxes to help pay for your medical ad/or depedet care costs. Below are some examples of how much YOU ca save o your everyday expeses. What s New for This Pla Year Sample Health Care Expeses Without a FSA With a FSA Your Estimated Out-of-Pocket Savigs* Doctor Copay 20.00 14.00 6.00 Specialist Copay 30.00 21.00 9.00 PPN Geeric Retail Rx Copay 10.00 7.00 3.00 HMO Brad Retail Rx Copay 25.00 17.50 7.50 Over-the-Couter Badages 10.00 7.00 3.00 Mothly Diabetic Supplies 100.00 70.00 30.00 Mothly Orthodotic Paymet 125.00 87.50 37.50 Eyeglasses 300.00 210.00 90.00 Laser Eye Surgery 2,500.00 1,750.00 750.00 * Assumes a 15% tax bracket Baltimore Couty Public Schools Beefits Erollmet & Referece Guide
4 What s New for This Pla Year What s New For This Pla Year 2015 Sample Depedet Care Expeses Without a FSA With a FSA Your Estimated Out-of-Pocket Savigs* Daycare for child uder age 13 5,000.00 3,500.00 1,500.00 Before/After School Care 4,000.00 2,800.00 1,200.00 Summer Camp 2,400.00 1,680.00 720.00 Disabled/Elder Adult Daycare 5,000.00 3,500.00 1,500.00 *Assumig 15% Federal Tax Bracket Plaig Your Electio Here are just a few strategies you ca use to be sure that you are makig every pey cout i your FSA: Pla ahead whe erollig. Base your cotributio o your aticipated expeses for the pla year which are ot covered by other isurace or beefit plas. Look back to last year. Oe way to estimate those expeses is to look back at the health care ad depedet care expese you paid out of your ow pocket durig the past year. This ca be the startig poit for your aual cotributio, adjusted of course for ay past or future extraordiary expeses. Use the attached worksheet. For a olie worksheet, visit www.hfsbeefits.com. Look outside your health pla. May health care plas offer some, but ot full, coverage for certai expeses such as laser eye surgery, orthodotia, some over-the-couter medical supplies. Evaluate your home pharmacy. Throw away all expired over-the-couter (OTC) medicatios ad the ext time you visit your health care provider, ask for a prescriptio for the OTC medicies that you use o a regular basis icludig aspiri, allergy medicatio, atacids, etc. Badaids, cotact les solutio ad other OTC items that are ot medicatios caot be reimbursed without a prescriptio. Be Coservative. Ay uused fuds caot carry forward to the ext pla year ad are forfeited. Participatio i a FSA is ot automatic. You must re-eroll aually durig ope erollmet. Moies remaiig i the accout 90 days after the ed of the pla year caot be retured. The last day for filig claims is March 15th. Erollig i The Pla Make your electio durig ope erollmet (or whe you first become eligible). Determie your electio amout(s) by usig the FSA worksheet. Elect up to the pla maximums. Remember you do ot have to participate i the health pla to be eligible for the FSA. Aual electio(s) will be deducted equally pre tax over the course of your pla year. FSA Debit Card Participatig i a FSA with a Debit Card has may advatages! Look at what the card ca do for you. Elimiates the eed of fillig out claims forms ad waitig for a reimbursemet check. Most trasactios will ot require supportig documetatio. Baltimore Couty Public Schools Beefits Erollmet & Referece Guide
5 What s New For This Pla Year 2015 It s Easy To Participate i a FSA 1. use the worksheet(s) to determie the amout of moey you will sped for medical ad/or depedet care for you ad your depedets i the upcomig pla year. 2. Oce you determie the amout, complete the erollmet process with your employer. Depedet Care FSA Use this worksheet to estimate your eligible child ad depedet care expeses. Eligible depedets iclude your depedet childre through age 12, your spouse or other depedet who is physically or metally disabled ad speds at least 8 hours a day i your home. The aual pretax cotributio limit is the lesser of 5,000, the employee s eared icome for the year or the spouse s eared icome. Sample Depedet Care FSA Expeses Depedet Care Ceter Fees (qualifyig child or adult day care) Nursery/Preschool Fees (excludig Kidergarte) Before ad/or After School Care Private Sitter (i your ow or someoe else s home) Summer Day Camp Caregiver s Wages ad Employer Taxes Total Use this amout as a guidelie for your upcomig electio Estimated Aual Amout Medical FSA Use this worksheet to estimate eligible medical expeses that you, your spouse ad your qualified depedets may icur durig the pla year. The worksheet below cotais some of the most commo expeses. For a more comprehesive list of eligible expeses, please see the FSA Expese Guide. Sample Medical FSA Expeses Medical Isurace Deductibles Office Visit Copays Prescriptio Drugs/Copays Emergecy Room or Urget Care Copays Physical Therapy/Chiropractic Care Well Baby Care GYN Exams Physicals Immuizatios Hearig Exams Hearig Aids/Batteries Prescriptio (OTC) Medicatios Special Educatio Tuitio Detal Isurace Deductibles Exams Filligs Root Caals Crows Bridges Detal Implats Detures Orthodotic Paymets/Braces Estimated Aual Amout What s New for This Pla Year Visio Exams Eyeglasses Cotact Leses/Supplies Prescriptio Suglasses Laser Eye Surgery Total Use this amout as a guidelie for your upcomig electio Baltimore Couty Public Schools Beefits Erollmet & Referece Guide
6 What s New for This Pla Year What s New For This Pla Year 2015 Medical Flexible Spedig Accout Expeses Guide Oly health care expeses ot reimbursed by isurace or ay other source ca be claimed. A Ace treatmet (o-cosmetic) Acupucture (excludig remedies ad treatmets prescribed by acupucturist) Air purifier Alcoholism treatmet Alterative healer Ambulace Artificial limbs/teeth B Birthig classes (portio related to birthig) Blood pressure moitor Blood sugar test kit Body sca Braille books ad magazies Breast pump Breast recostructio surgery followig a mastectomy C Chemotherapy Chiropractor Christia Sciece practitioer services Copaymets Coisurace Computer storage of medical records Cotact leses ad solutios Couselig Crutches D Deductibles Detal services (o-cosmetic) Detures/artificial teeth Diagostic fees ad services Drug addictio/overdose treatmet Drug ad medical supplies** E Ear plugs (for medical coditio) Equipmet for the hadicapped Eye drops** Eye examiatio Eye surgery (i.e. cataracts, LASIK, etc.) Eyeglasses (prescribed) F Fluoridatio device Flu shots G Gamblig addictio treatmet Geetic testig (to determie medical defects) Glucose moitor H Hearig devices ad batteries Hearig tests Holistic ad atural healer services Home care ursig services Hormoe therapy treatmet for meopause Hospital expeses (o-cosmetic) I Immuizatios Isuli L Laboratory fees Lactatio cosultat services Lamaze classes (portio related to birthig) Laguage traiig (for disabled idividual) Laser eye surgery Learig disability expeses (fees to school or specially traied tutor) M Massage therapy Medical coferece (admissio ad trasportatio) Medical expeses i excess of usual, customary ad reasoable (UCR) Medical record charges N Nasal sprays** Norplat (isertio or removal of device) Nutritioist expeses O Obstetrical expeses Occlusal guard (to prevet teeth gridig) Occupatioal therapy Oral surgery Orthodotic expeses Orthopedic devices Over-the-couter** medicatios (ot to iclude utritioal supplemets, cosmetic care items or items primarily used for geeral health) Oxyge P Pap smears Physical exams (ot employmet related) Physical therapy (for specific medical coditio) Prescriptio medicies (o-cosmetic) Prescriptio suglasses Preatal vitamis (prescriptio) Prosthesis Psychiatric/Psychological care R Radial keratotomy Routie physicals S Safety glasses (prescriptio oly) Schools ad educatio (special) Screeig test for medical diagosis Seeig-eye dog (purchase, traiig & care) Sleep deprivatio treatmets Smokig cessatio program Suglasses (prescriptio) Supplies to treat a medical coditio Surgical fee (o-cosmetic) T Taxes o medical services ad products Therapy, for medical care oly Trasplat expeses (surgical, hospital, laboratory ad trasportatio expeses for orga door) Trasportatio ad travel expeses for perso receivig medical care U Umbilical cord (collectio, freezig ad storage for immiet use to treat a specific medical coditio) V Varicose vei treatmet (o-cosmetic) Vaccies Visio correctio procedures Vitamis (prescriptio) W Weight loss drugs/programs (associated with a certai disease) X X-rays Physicia s ote must idicate the specific medical coditio, the medical item/treatmet recommeded to treat the medical coditio, the expected duratio of the coditio ad that the medical item is ot for cosmetic purposes. Depedet Care Flexible Spedig Accout Expeses Guide Oly depedet care expeses provided for a eligible IRS tax depedet ca be claimed. Adult daycare facility After-school programs Before-school programs Caregiver s wages ad employer taxes Depedet care i someoe else s home I-home depedet care Licesed childcare facility Motessori school (prior to kidergarte age) Nursery school Pre-school Private school (prior to kidergarte age) Summer day camp Toddler programs Trasportatio provided by depedet care provider to/from depedet care locatio ** Importat: Effective Jauary 1, 2011, all purchases for over-the-couter (OTC) drugs ad medicatios will require a prescriptio for reimbursemet. Baltimore Couty Public Schools Beefits Erollmet & Referece Guide
7 What s New For This Pla Year 2015 Kow what s importat to you Programs ad services that help you make the most of your Ciga health pla ad support your well-beig. Myciga.com your secure portal for beefit iformatio ad resources Nothig is more importat tha uderstadig your beefits ad your good health. That s why there s www. myciga.com your olie home for assessmet tools, provider search egie, explaatio of beefits paid, medical updates ad much more. So get ready to click with a site that clicks with you. How to register: Step 1 Eter www.myciga.com i the web address lie o your browser. Step 2 Click o the Register Now butto. Step 3 Eter persoal details. Your Member ID umber is prited o your ID card. Upo eterig persoal iformatio a Cofirmatio Page should the appear. Click Accept if all iformatio is accurate. Step 4 Complete your Demographic ad Security Iformatio data. Click Cotiue. Step 5 Cofirm your idetity. Step 6 Review ad submit. 24 Health Iformatio Lie 24-hour guidace o medical treatmet Dial the toll-free umber o your Ciga ID card ad you ll be coected directly to a urse who is ready to help aswer your health questios. Nurses ca offer detailed aswers to your health questios, ad help you decide where ad whe to seek medical attetio. You ca also liste to hudreds of our latest podcasts i Eglish ad Spaish to help you stay iformed. Healthy Rewards complimetary discouts If you have Ciga coverage, the choice to use Healthy Rewards is etirely yours. The program is separate from your coverage, so the services do t apply to your pla s copays or coisurace. No doctor s referral is required ad o claim forms, either. Set the appoitmets yourself, show your ID card whe you pay for services ad ejoy the savigs. Health Assessmet persoalized report about your health The health assessmet ca give you a idea of the curret state of your health. Based o your resposes, you ll also lear if you are at ay risk for certai coditios like diabetes or high blood pressure. It will also help you uderstad what you ca do to maitai ad improve your health. To start. Go to www.myciga.com ad select Take my health assessmet ad follow the registratio istructios util you reach my health & welless ceter. Select Take my health assessmet ow ad follow the steps through the questioaire. Whe takig the health assessmet, kow the followig: your blood pressure, total cholesterol, HDL cholesterol, height, weight, ad waist circumferece. If you do t kow these, you ca aswer, I m ot sure, but aswerig all questios produces the best results. We ll help you get what you eed for your chroic health coditio If you have a chroic health coditio, we kow there are times whe you eed extra help. That s why we re here. Take advatage of our free health coachig ad the, whe you re ready to go it aloe, say the word. We ll guide you to self service resources ad be there whe you eed us. It s up to you. A health advocate, urse, health educator or behavioral health specialist may be callig you to get thigs started, or you ca call us at ay time. We ca help you: Maage a chroic health coditio. Create a persoal care pla. Uderstad medicatios or your doctor s orders. Idetify health risks that affect your coditio. Make educated decisios o your treatmet optios. Kow what to expect if you eed to sped time i the hospital. Improve your lifestyle by copig with stress, quittig tobacco use, maitaiig good eatig habits, ad maagig or losig weight. What s New for This Pla Year Baltimore Couty Public Schools Beefits Erollmet & Referece Guide
8 What s New for This Pla Year What s New For This Pla Year 2015 Beefits Available to All Ciga Participats YOU VE GOT A GOAL. AND YOU VE GOT WHAT IT TAKES TO REACH IT. Whether your goal is to lose weight, quit tobacco or lower your stress levels, you have the power to make it happe. Ciga Lifestyle Maagemet Programs ca help ad all at o cost to you. Each program is easy to use ad available where ad whe you eed it. Ad, you ca use each program olie or over the phoe or both. Weight Maagemet Reach your goal of maitaiig a healthy weight all without the fad diets. Create a persoal healthy-livig pla that will help you build your cofidece, be more active ad eat healthier. Ad, you ll get the support you eed to stick with it. Tobacco Get the help you eed to fially quit tobacco. Create a persoal quit pla with a realistic quit date. Ad, get the support you eed to kick the habit for good. You ll eve get free over-the-couter icotie replacemet therapy (patch or gum). My Health Assistat - Your way to achieve BIG health chages My Health Assistat olie coachig is a fu, iteractive program to help you achieve big health ad welless goals i just a few small steps. Here s how it works for you. Visit myciga.com, click o Maage My Health ad select My Health Assistat Olie Coachig You select the activities you like ad the goals you wat to achieve My Health Assistat creates a persoal coachig program just for you You check i regularly to track your success My Health Assistat lets you add or chage activities ad goals at ay timesmall steps are a great way to make big chage possible. Especially whe it comes to your health. Get started ow. You ll be happy that you did ad o your way to better health. Powered by WebMD Stress Maagemet Lower your stress levels ad raise your happiess levels. Lear what causes you stress i your life ad develop a persoal stress maagemet pla. Ad, get the support you eed to help you cope with stressful situatios both o ad off the job. Over the phoe Oe-o-oe welless coachig Coveiet eveig ad weeked hours Program workbook ad toolkit Olie Secure, coveiet support Self-paced program Educatioal materials, iteractive tools ad resources Take the first step. Call 855-246-1873 or visit myciga.com Baltimore Couty Public Schools Beefits Erollmet & Referece Guide