ANNA ANNA ISD SD 2020 2020-21 NE 21 NEW H HIRE E EMP MPLOYEE BE BENEFITS Benefits Plan Year September 1, 2020 – August 31, 2021
TR TRS MEDICAL CHANGES TH THIS YEAR • ActiveCare 1-HD will now be called ActiveCare HD • New Primary Plan • Primary Plus plan will replace TRS Select Plan
Open Enrollment NEW HIRE ENROLLMENT It’s that time of year for you to enroll in your benefit elections! This is the perfect time to plan expenses and do a thorough checkup on your benefit elections for the 2020-2021 plan year. IMPORTANT THINGS TO REMEMBER: • You have 31 days from your date of hire to enroll in your benefits • Enrollment appointments are available every Friday for your First Financial Account Manager to call you and discuss benefit options at https://annaisd.timetap.com/ • Sign up to schedule your New Hire benefit call today! Remember , after Open Enrollment period ends, you will not be able to make a change to your benefits unless you have a Qualifying Life Event. You must notify the benefits department within 31 days of the change .
DE DECLINING CLINING COVERA RAGE If you are eligible for benefits, but wish to DECLINE coverage, you will still need to make a benefit appointment to receive your district provided benefits. You will need to provide beneficiary information for your district provided term life insurance. You will need to provide all dependent information for each person in your household for your district provided family telemedicine.
Eligibility & Enrollment ELIGIBILITY • Must be actively at work on the plan effective date for new benefits to be effective • Typically benefits will take effect the first of the month following the date of hire ENROLLMENT • New Hires have 31 days from your actively-at-work date to make benefit elections no exceptions will be made for late enrollees
Ho How w to Enr nroll ll I WILL NEED THE FOLLOWING INFORMATION: ü Social Security Numbers and dates of birth for all Spouses and eligible Dependents ü Any Status/Life Event or address changes ü Questions about available benefits ü Look over the new medical plan changes and options. ü If choosing the TRS Primary or Primary+ Plans you will need to search for your Doctor with this link www.bcbstx.com/trsactivecare ü Have the 10 digit PCP number ready to input into the system. Sign up to receive a call from your FFGA Representative by visiting, https://annaisd.timetap.com/ • To view available times please click “next” at the bottom right of the first 3 pages • You will then arrive at a page with a calendar showing dates with availability to schedule your call • Select the Friday you would like to speak with a First Financial Representative • Then select a morning or afternoon appointment window. (Please note: You are scheduling to receive a call at some point within your requested window) • Once you have made your selection, click “Next” and enter your contact information • When you are done, click “Save”. Please wait until you receive email confirmation that your appointment was scheduled
- TRS-ACTIVECARE TRS-ACTIVECARE TRS-ActiveCare Plans have a new administrator! BlueCross BlueShield of Texas will be replacing Aetna as the plan administrator on Sept. 1, 2020. Please visit the participant website for information on the new plan designs and new provider networks.
- TRS-ACTIVECARE TRS-ACTIVECARE TRS-ActiveCare Plan Options Primary: Completely NEW plan option. You MUST actively elect this plan if you choose the Primary plan. Your current medical election will NOT automatically roll into this plan. Primary+: If you are currently enrolled in the Select Plan and you do not change your election, you WILL be rolled into the Primary+ plan. HD: If you are currently enrolled in the HD-1 plan and you do not change your election, you WILL be rolled into the HD plan.
TRS-ActiveCare introduces the NEW - TRS-ACTIVECARE TRS-ACTIVECARE Primary Plan and the Primary+ Plan (formerly the Select Plan)! Both plans offer affordable co-pays. Primary Primary+ These do NOT offer Out-of-Network benefits, so you MUST choose a Primary Care Physician and only go to providers in the statewide network.
- TRS-ACTIVECARE TRS-ActiveCare Plan Options TRS-ACTIVECARE HD & ActiveCare 2 are both ActiveCare 2 HD PPO plans with a Nationwide network. You do NOT need a PCP on these plans. They do both offer Out-of-Network benefits, but you will save money by staying in network. HD is the only TRS- ActiveCare plan that is HSA eligible, as it does meet the IRS definition of a High Deductible Health Plan. ActiveCare 2 is NOT open for new enrollment; however, current participants have the option to remain on the plan.
BCBSTX App Support for YOU See claims and EOB’s Personal Health Guides Live Chat TRS Virtual Health Choices “Ask Emma” New decision support tool TR TRS-Ac ActiveC eCare e Res esources es
TR TRS Me S Medical P Plan Pr Prescription Benefits When you enroll in a BCBSTX Plan, you automatically receive prescription drug coverage through CVS Caremark which gives you access to a large, national network of retail pharmacies.
TRS-ActiveCare Semi-Monthly Rates
Baylor Scott & White HMO • Copays for doctor visits and generic prescriptions before you meet deductible • In-Network only – no out-of-network benefits
NOTE: The IRS requires proof that all expenses are eligible. Keep all receipts in case you need to Medical Flexible Spending Accounts (FSA) allow you to set substantiate a claim for tax purposes. Your receipt must include: aside pre-tax payroll deductions each paycheck to pay for out of pocket medical, dental and vision expenses for you • Date of purchase or service, and your family. • Amount you were required to pay after insurance During open enrollment you will estimate the amount you • Description of the product or service, think you will need during the year. Your full annual merchant or provider name, and the election will be available to you at the beginning of the patient name. plan year. Maximum Lewisville ISD Medical FSA plans provide an additional 2 $2,750 1/2 months to incur and claim against unused funds in the Contribution new plan year. Keep in mind that remaining balances Amount for 2020 after the grace period is exhausted will be forfeited under the use-it-or-lose-it rule.
HIGHLIGHTS • Eligible dependents must be claimed as an exemption on your tax return. • Eligible dependents must be children under age 13 or an adult With a Dependent Care Flexible Spending dependent incapable of self-care. Account, you can set aside part of your pay • Contributions are not loaded on a pre-tax basis to pay for eligible upfront. Funds become available dependent care expenses like childcare, as contributions are made to babysitters and adult day care. your account. • Keep all receipts in case you need to substantiate a claim for tax Maximum purposes. $5,000 Contribution • Balances will be forfeited at the Amount for 2020 end of the runoff or grace period.
HIGHLIGHTS • Balances roll over from year to year and earn interest along the way. • Portable – you keep it even after you leave employment. • Tax advantages – invest money in A Health Savings Account (HSA) allows you to mutual funds to grow your tax savings set aside money to pay for higher deductibles for either future healthcare costs or retirement. associated with a lower monthly premium High • Pay for expenses with a Benefits debit Deductible Health Plans (HDHP). card that gives you immediate access to your money at the time of Eligible expenses include: purchase. • Co-pays & Deductibles • Expenses also can be reimbursed through our online portal, online bill • Prescriptions & Medical Supplies pay directly to your provider or • Vision & Dental care expenses submitting a distribution request form. • Receipts are not required for Maximum Contribution $3,500 – Self reimbursement but be sure to save Amount for 2020 $7,100 - Family them for tax purposes.
FS FSA & HSA RESOURCES BENEFITS CARD The First Financial Benefits Card is available to all employees that ONLINE FSA PORTAL participate in Medical FSA and/or • Flexible Spending Account a Dependent Care FSA. participants can log in to their The Benefits Card gives you online FSA portal to access immediate access to your money account balances, check on claims, upload receipts and access at the point of purchase. other account details. Cards are available for • Visit https://ffga.com/individuals participating employees, their to login or set up your account. spouse, and eligible dependents that are at least 18 years old.
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