DSISD Employee BenefitsPackage 2020-2021
Plan Sponsors and Third Party Administrators Medical Benefits Provided through the Teacher Retirement System of Texas(TRS) Medical Benefits Provided through the Texas Schools Health Benefits Program Supplemental Benefits Provided through the Region 20 Benefits Cooperative Supplemental Benefits Administered by Financial Benefit Services (FBS) Financial Services administered by National Benefit Services(NBS)
2020 – 2021 Benefits This presentation provides general information about open enrollment and highlights of available benefits. Benefit plan details are available in the – FBS Benefits Guide – FBS Benefits Portal – TRS ActiveCare Enrollment Guide – TSHBP Enrollment Guide and through other links on the DSISD DSISD’s Open Enrollment 2020 webpage . 3
Open Enrollment for 2020 - 2021 July 15 through August 21 • Passive Enrollment for existing employees – • Only Employees with FSAs, Dependent Care Accounts, or those wishing to make selection changes must re-enroll . - It is a good idea to log in and review your benefit choices, and verify that your address, contact information, dependents, and beneficiaries are up-to-date. All new employees must enroll or decline benefits. • Keep your ID Cards for non-medical plans if you are not making • plan changes. New Medical ID cards will be sent to all participants at the address on file in the DSISD Benefits Hub. If your NBS debit card for HSA/HRA or FSA expires on 9/1/2020, • you will get a new card in early September. Your current card will work until the first time you use the new card. ALL enrollments are completed online through the Benefits Hub. www.mybenefitshub.com/drippingspringsisd 4
Benefits for 2020 - 2021 DSISD Benefits • $10,000 life insurance paid by DSISD • District-paid Employee Assistance Program (EAP) for all employees www.deeroakseap.com • $300 per month District contribution to Health Insurance premium • $75 per month District contribution to a Health Savings Account (HSA) - For ActiveCare HD and TSHBP HD participants • $900 per year District contribution to a Health Reimbursement Arrangement (HRA) - For ActiveCare 2, ActiveCare Primary or Primary +, TSHBP Co-Pay, or Scott & White HMO participants 5
Cafeteria Plan - Overview • Menu of Benefits for a Customized Benefit Package - All Benefits operate independently. • Benefits paid with pre-tax dollars can reduce your taxes • Changes can be made to plan selections outside of Open Enrollment only if you have a Qualified Family Status Change, and if you request the change within 30 days. 6
Pre- CafeteriaPlan Medical Plan Options Options Tax TSHBP Alternative Medical TRS ActiveCare Plans https://tshbp.org/ Blue Cross and Blue Shield of Texas & Caremark RX 888-803-0081 Care Coordinator (July 2020) https://www.bcbstx.com/trsactivecare Care Coordinator and Care Connect Program- 866-355-5999 https://tshbp.info/CCVideo TRS ActiveCare Primary Physician Directory tool TRS ActiveCare Primary + https://tshbp.info/HSNetwork TRS ActiveCare HD TRS ActiveCare 2 Pharmaceutical Drug Look-up tool https://tshbp.info/DrugPham Scott & White HMO https://tshbp.info/EGuide2020 https://trs.swhp.org/ 800-321-7947 https://tshbp.info/PlanFlyer20-21 7
2020-2021 Monthly Medical Plan Premiums 8
Networks BCBSTX Plans https://www.bcbstx.com/trsactivecare ActiveCare HD Nationwide Network Plan ActiveCare 2 Nationwide Network Plan ActiveCare Primary or Primary + Statewide Network Plans (Must choose a Primary Care Physician and get a referral for any Specialist. Must use Network Doctors and Facilities) Scott & White HMO https://portal.swhp.org/#/search?networkC ode=TRS&hideOptions=true (Must use Network Doctors and Facilities. TRS-ActiveCare Participants Network Referrals not needed for Specialist visits.) TSHBP Alternative Medical www.tshbp.info/HSNetwork TSHBP HD or TSHBP Co-Pay TRS-ActiveCare Participants Network (Must use Network Doctors and Facilities.) 9
Medical PlanTips Preventive Care and Routine Prenatal care – covered at 100% Mail order - for long-term maintenance meds. Initially get two prescriptions from doctor (90 day and 30 day). Brand name drugs will have added costs when generic is available MDLive – the telehealth provider for ActiveCare HD, TSHBP HD, and Scott & White HMO – no charge for phone consultations 888-365-1663 Teladoc – the telehealth provider for ActiveCare 2, and ActiveCare Primary or Primary + - No charge for phone consultations 855-835-2362 ActiveCare Primary and Primary +, and TSHBP HD and TSHBP Co-Pay – Stay in-network – out-of-network services are not covered 10
Pre- CafeteriaPlan Health Savings Account (HSA) Options Tax Automatic for ActiveCare HD and TSHBP HD • $75 per month contribution by DSISD • ($900 annually) Debit card - can be used to pay for qualified medical • expenses HSA funds accumulate from year to year; the money is yours • to keep Employees can also contribute to this account - employee • contributions are pre-tax and can be changed or stopped at any time HSA participants can also choose a Limited Purpose FSA for • vision and dental expenses only 11
Pre- CafeteriaPlan Health Reimbursement Arrangement(HRA) Options Tax • Automatic for ActiveCare Primary, ActiveCare Primary +, ActiveCare 2, Scott & White HMO, and TSHBP Co-Pay • $900 funded by DSISD at the start of the school year • “Pre - paid” credit card - can be used to pay for qualified medical expenses • “Use it or lose it” – funds do not accumulate or go with you if you leave the district 12
Post- CafeteriaPlan Telehealth Plans – MDLive orTeladoc Options Tax Informational Medical Consultations via Telephone (Med information & • advice) Diagnostic Medical Telephone Consultations (Prescriptions, diagnosis etc.) • Can be a time and money saver for employees • Works with U.S. based doctors and pediatricians – via phone, email, or • video Available 24/7 • Teladoc MDLive 855-835-2362 888-365-1663 + + Included in TRS Provided by DSISD for ActiveCare and ActiveCare HD and TSHBP HD TSHBP plans (covers employee and all + dependents listed with FBS) for ActiveCare Primary and + Also part of Scott & Primary +, ActiveCare 2, and TSHBP Co-Pay White HMO coverage + (only for those covered only for those covered by the plan) on the plan. + available on voluntary, post-tax basis for all others. 13
Pre- CafeteriaPlan Dental Plans -CIGNA Options Tax Three CIGNA Plan Options • PPO High Plan – most expensive, higher benefits, more flexibility • PPO Low Plan – less expensive, lower benefit level, will be balance billed for out-of- network care • DHMO – lowest cost, must pick a dentist, in-network care only www.cigna.com 1-800-244-6224 (24/7) 14
Dental Plan Premiums 2020-2021 2020-21 Plan Premium Cigna PPO High Plan Employee Only $35.81 Employee & Spouse $88.20 Employee & Children $96.70 Employee & Family $134.81 Cigna PPO Low Plan Employee Only $17.94 Employee & Spouse $36.45 Employee & Children $41.91 Employee & Family $63.99 Cigna DHMO Employee Only $11.98 Employee & Spouse $22.61 Employee & Children $25.51 Employee & Family $39.41 15
Pre- CafeteriaPlan Vision Plan - SuperiorVision Options Tax • Choose an Approved Provider from Superior National network • $10 Co-pay for Exam • $25 Co-pay for Lenses & Frames • Exam, Lenses, and Frames – every 12 months • $120 Allowance for Contact Lenses • $125 Allowance for Frames • www.superiorvision.com 16
Post- CafeteriaPlan Life Insurance PlanOptions Options Tax Group Term Life (One America) – An • inexpensive way to add life insurance coverage during your working years. DSISD provides $10,000 in life insurance. - Additional coverage available up to $500,000 - Max spouse coverage $500,000 - Children covered at $10,000 AD&D (One America) – Accidental Death & • Dismemberment coverage offers a benefit for bodily injury or death caused by accident Individual Life (5 Star Life) – Portable coverage, • term life up to age 121. Available Terminal Illness & Quality of Life Rider 17
Post- CafeteriaPlan Disability Plan -UNUM Options Tax • Income/ Paycheck Protection - pays you a benefit should you be unable to work because of an injury, illness, or pregnancy • Post-Tax deduction • Pre-Existing conditions – 3-month look back, conditions excluded for one year • Six waiting (“elimination”) period options • Waiting period waived on 14- or 30-day options if hospitalized 23 or more hours 18
Pre- CafeteriaPlan Reimbursement Plans -NBS Options Tax Administrator: National Benefit Services - NBS Three Types of Accounts: Healthcare Flexible Spending Account (FSA) • - Not available for HSA participants - Debit Card • Limited Purpose FSA for Vision & Dental Only - Only for HSA participants - Debit Card • Dependent Care Reimbursement Account - District Childcare direct pre-tax deduction; other childcare requires reimbursement process All reimbursement plans are “Use it or Lose it” – no carryover from year to year. 19
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