OPEN ENROLLMENT 2019 Riverview Gardens School District - PowerPoint Presentation

1. OPEN ENROLLMENT 2019Riverview Gardens School District

2. OUR BENEFIT PLANSEffective October 1 (unless otherwise noted) and continue through September 30 As you prepare to enroll from August 6 to August 30Consider your benefit coverage needs for the upcoming yearConsider other available coverageGather information you’ll needIf you are covering dependents, you will need their dates of birth and Social Security numbers

3. BENEFIT ELIGIBILITYBenefits eligible if you work at least 30 hours per weekEligible dependents include your legal spouse and children up to age 26You may only make or change your benefits as a new hire or during the open enrollment period unless you experience a qualified life event such as:Marriage, divorce or legal separationBirth or adoption of a childLoss or gain of other coverageEligibility for Medicare or Medicaid

4. BENEFIT COSTSBENEFITWHO PAYSTAX TREATMENTMedical and PharmacyThe District and YouPre-taxDentalThe District and YouPre-taxVisionYouPret-axBasic Life and Accidental Death & Dismemberment (AD&D) InsuranceThe DistrictNAVoluntary Life and Accidental Death & Dismemberment (AD&D) InsuranceYouAfter-taxShort-term DisabilityYouNALong-term DisabilityYouNAHealth Savings Account (HSA)YouPre-taxFlexible Spending AccountsYouPre-tax

5. MEDICAL PLAN OVERVIEW1: YOUR DEDUCTIBLE2: YOUR COVERAGE3: YOUR OUT-OF-POCKET MAXIMUMAfter the Health Reimbursement Arrangement (HRA) amount has been met, you pay the corridor amount until you reach the deductible, unless there is a copay for the service.For Health Savings Account (HSA) plans, you pay the full deductible. You can use your HSA to pay for these expenses.Once your deductible is met, you and the plan share the cost of covered medical and pharmacy expenses with coinsurance. The plan will pay a percentage of each eligible expense, and you will pay the rest.When you reach your out-of-pocket maximum, the plan pays 100% of covered medical and pharmacy expenses for the rest of the plan year. Your deductible, copays (except in the Premier Plan) and coinsurance apply toward the out-of-pocket maximum.

6. YOUR MEDICAL BENEFITSPLAN PROVISIONSPremium Plan $1,000 CorridorStandard Plan $1,500 (Retirees)CorridorHSA Plan $5,000 Deductible(Part-Time)KIDZ PlanIn-NetworkIn-NetworkIn-NetworkIn-NetworkDeductible – Individual$3,000$3,000$5,000$750Deductible – Family$6,000$6,000$10,000$2,250Out-of-Pocket Max. – Individual*$3,000$4,500$6,400$3,500Out-of-Pocket Maximum – Family*$6,000$9,000$12,800$10,500HRA District Contribution – Ind./Fam.$2,000 Ind. /$4,000 Fam.$1,500 Ind. /$3,000 Fam.N/AN/AEmployee Corridor – Ind./Fam. $1,000 Ind. /$2,000 Fam. + co-pays$1,500 Ind. /$3,000 Fam. N/AN/A

7. YOUR MEDICAL BENEFITSPLAN PROVISIONSPremium Plan $1,000 CorridorStandard Plan $1,500 (Retirees)CorridorHSA Plan $5,000 Deductible(Part-Time)KIDZ PlanIn-NetworkIn-NetworkIn-NetworkIn-NetworkPreventive CareNo ChargeNo ChargeNo ChargeNo ChargePrimary Care Physician Office Visit$25 copay20% coinsurance10% coinsurance; after deductible20% coinsurance; after deductibleSpecialist Care Physician Office Visit$40 copay20% coinsurance10% coinsurance; after deductible20% coinsurance; after deductibleUrgent Care$50 copay20% coinsurance10% coinsurance; after deductible$75 copayEmergency Room$250 copay20% coinsurance10% coinsurance; after deductible$150 copayDiagnostic Test & Imaging0% coinsurance; after corridor20% coinsurance10% coinsurance; after deductible20% coinsurance; after deductible

8. YOUR PRESCRIPTION DRUG BENEFITSPLAN PROVISIONSPremium Plan $1,000 CorridorStandard Plan $1,500 (Retirees)CorridorHSA Plan $5,000 Deductible(Part-Time)KIDZ PlanIn-NetworkIn-NetworkIn-NetworkIn-NetworkRetailTier 1 - Generic Drugs$5$1010% coinsurance; after deductible$10Tier 2 - Brand Preferred Drugs$30$2510% coinsurance; after deductible$25Tier 3 - Brand Non-Preferred Drugs$60$7510% coinsurance; after deductible$45Mail OrderTier 1 - Generic Drugs$10$25N/A$25Tier 2 - Brand Preferred Drugs$60$62N/A$62Tier 3 - Brand Non-Preferred Drugs$120$187N/A$112

9. SAVINGS AND REIMBURSEMENT ACCOUNTSHealth Reimbursement Arrangement (HRA) – This is a reimbursement arrangement only; you cannot contribute to this accountHealth Savings Account (HSA) – Available to part-time employees enrolled in the HSA Plan ($5,000 Deductible) Health Care Flexible Spending Account (FSA) – If you are not enrolled in an HSA plan, you can use this account for medical, pharmacy dental and vision expensesDependent Care FSA – Use for eligible childcare expenses for dependents under age 13 or elder care

10. SAVINGS AND REIMBURSEMENT ACCOUNTSCOMPARISON OF ACCOUNTSHSA (Part-time employees)HRAFSADoes the district contribute?XDepends on the Plan you electXCan I contribute my own savings?XIs there an IRS maximum annual contribution?Employee: $3,550 Family: $7,100Those 55 and older can contribute an additional $1,000 annually.XHealth Care: $2,700 Dependent Care: $5,000Can I also have a FSA?Dependent Care FSA onlyN/APlan year for contributionsEffective October 1 to September 30Effective October 1 to September 30Effective October 1 to September 30

11. UNDERSTANDING THE HRA

12. UNDERSTANDING THE HSAContributions you make to the HSA are tax-free All of the money in your HSA is yours even if you leave your job, change plans or retireUnused money in your HSA will roll over, earn interest and grow tax-free over timeEnroll in the HSA Plan by the last day of Open EnrollmentOpen your HSA Benefit Wallet by September 13Manage your HSA online or through the appUse HSA funds for qualified medical, dental and vision expensesOpen your HSA with Benefit Wallet

13. YOUR DENTAL BENEFITSYou have a choice of one dental plan through Delta Dental of MissouriPLAN PROVISIONSPPO NETWORKPREMIER NETWORKOUT-OF-NETWORKDental Deductible - Individual$50$50$50Dental Deductible - Family$150$150$150Annual Benefit Maximum$1,500$1,500$1,500Orthodontic Lifetime Maximum$2,000$2,000$2,000SERVICESAmount you payDiagnostic and Preventive100%100%100%Basic Services80%80%80%Major Services50%50%50%Orthodontia Services50%50%50%Adult and Child Orthodontia dependents up to age 19 only

14. YOUR VISION BENEFITSYou have access to a vision plan through AnthemPLAN PROVISIONSBLUE VIEW VISION NETWORKExam$10 copayFrequencyExam - Every 12 months Lenses - Every 12 monthsContacts - Every 12 monthsFrames - Every 24 monthsFramesPlan covers up to $150Lenses$10 copayMedically necessary contact lensesPaid in Full

15. LIFE INSURANCE & DISABILITYThe district provides life and AD&D insurance at no cost equal to 1 times your Salary, up to a maximum of $50,000You may choose to purchase additional life coverage for yourself and your dependents at affordable group ratesFor this open enrollment only, Hartford is allowing all employees to elect up to the guarantee issue without completing Evidence of Insurability.  For amounts over the Guarantee Issue amount for which you have not previously completed Evidence of Insurability, you will need to complete the Evidence of Insurability form.  A link to the form is provided on the enrollment siteYou have the option to purchase disability coverage.American Fidelity1-800-638-4268Americanfidelity.com

16. ADDITIONAL RESOURCESMedical Plan Resources24/7 NurseLineLiveHealth Online – 24/7 online visits with a doctorConditionCare and ComplexCare – Support for medical conditionsFuture Moms – Support for expecting mothersmyStrength – Support for your emotional wellbeingAdditional ResourcesEmployee Assistance Program (EAP)Travel Assistance and Identity Theft Protection ServicesEstateGuidance® Will ServicesFuneral Concierge ServicesTrustWellness Program

17. STEPS TO ENROLLGo to https://compass.empyreanbenefits.com/CSDTRUSTRegister: Enter your first and last name (as filed with the district), date of birth and Social Security NumberThen add a new User ID (personal email address, for example) and follow the rest of the instructions to complete your account set-upElect the benefits you want. Be prepared to provide eligible dependents’ and beneficiaries’ full names, dates of birth and Social Security NumbersHave the documents required to upload for dependent verification readySave or submit your elections. To know if you completed enrollment, look for a green check mark and message that says your benefits are confirmed and ready to take effect when Open Enrollment closes. Print the confirmation for your records.1234

18. OPEN ENROLLMENT NEXT STEPSEnroll in your benefits August 6 to August 30 at https://compass.empyreanbenefits.com/CSDTRUSTIf you have any questions while enrolling, contact the Benefits Service Center at 833-269-2142Additional Benefits QuestionsContact Monica Williams-Woods at 314-869-2505, x2408 or m-williams-woods@rgsd.k12.mo.us and Linda Brison at 314-869-2505, x2436 or lbrison@rgsd.k12.mo.usAbout this presentation: This benefit summary provides selected highlights of the CSD Insurance Trust employee benefits program. It is not a legal document and shall not be construed as a guarantee of benefits nor of continued employment at the company. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any information provided through this summary and the actual terms of such policies, contracts and plan documents shall be governed by the terms of such policies, contracts and plan documents. CSD Insurance Trust reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.