CDSD Benefits Open Enrollment 2018 1
Open Enrollment is for… Medical and Waiver Vision and 403(b) Dental beneficiaries Changes and Enrollments Flexible Life Spending beneficiaries Account Spousal Surcharge verification 2
Benefits Eligibility When are you eligible to enroll or make changes to current elections? 3
Forms to Comple lete Durin ing Open Enroll llment Forms submitted during Open Enrollment are subject to the terms of your collective bargaining agreement. Please refer to the benefits booklet sent to you via email and to your school or other district location. Within the booklet, you will see a benefits forms grid. The grid is a clear outline of what forms are applicable to your job classification and when each form need to be completed. 4
Qualifying Life Events If you experience a qualifying event and desire to make changes to your benefits enrollment, you have 31-days from qualifying event date to do so. 5
Employee and Dependent Benefits Eligibility • Employees working at least 30 hours per week who have met District requirements and the obligations of their Collective Bargaining Agreement • Legally married spouses • Medical - Children up to age 26 and children who are over 26 but are permanently disabled • Dental & Vision- Children up to age 19 or up to age 23 if full-time student 6
Medical Insurance Highmark Information and Medical Plan Provisions 7
Hig ighmark Websit ite- Medical Consumer Friendly Provider Search Simplified • PCP’s, Specialists, Hospitals, Imaging, Urgent Care, pharmacies and more! Compare Provider Profiles • Patient ratings, Blue Distinction Centers, board certs, accreditations, etc. 8
Hig ighmark Websit ite- Care Cost Estimator Did you know… Common healthcare services, like x-rays and lab tests, can cost from 30 to 50 percent more depending on where you go. The Care Cost Estimator helps you search almost all of these services to find the best price. Sample search … 9
Hig ighmark Websit ite- Care Cost Estimator 10
Medical Plan Deductible and Coinsurance How do they work for my medical plan? 11
UNDERSTANDING YOUR DEDUCTIBLE DEDUCTIBLES APPLY TO: • Inpatient and Outpatient hospital procedures Deductibles run • Outpatient Medical/Surgical on a contract year • Diagnostic Services (Diagnostic medical, lab/pathology, allergy testing, Basic & Advanced imaging: You pay the bill x-rays, MRI, CAT, PET scans) until you hit your • Durable Medical Equipment (DME), deductible Orthotics and Prosthetics • As well as other services listed on benefit summary 12
UNDERSTANDING COINSURANCE *Coinsurance only applies to your Out-of-Network benefit Pay your deductible first, then your • Coinsurance is the percent of the bill coinsurance begins you pay after you hit your deductible • Coinsurance payments apply to: • Inpatient and Outpatient hospital procedures • Outpatient Medical/Surgical • Diagnostic Services (Diagnostic medical, lab/pathology, allergy testing, Basic & Advanced imaging: x-rays, MRI, CAT, PET scans) • Durable Medical Equipment (DME), Orthotics and Prosthetics • As well as other services listed on benefit summary 13
You Pay Nothing For Preventive Care! Benefit In-Network 100% Preventive Visits (adult & pediatric) no deductible 100% Pediatric Immunizations no deductible 100% Routine Gynecological Exams including Pap Test no deductible 100% Mammograms (annual routine) no deductible 100% Preventive Diagnostic Screening no deductible 14
Flexible Spending Account 15
Flexible Spending Account (FSA) The District offers both a Health Care and Dependent Care FSA. • 2018 FSA maximum/minimum contribution limits: • Health Care- $2,650/$120 • Dependent Care- $5,000/no minimum • Carryover provision • Allows you to carryover amounts from $60 to $500 of unused funds from your health care FSA at the end of each plan year. The carryover does NOT apply to the Dependent Care FSA. 16
Flexible Spending Account (FSA) Qualified Healthcare Expense Examples: Healthcare Dependent Care Contraceptives Care for child under age 13 Copays, coinsurance and deductibles Care for spouse or other tax dependent Dental and eye exams Elder care for spouse or other tax dependent Durable medical equipment Nursing home care (restrictions apply) 17
Dental & Vision 18
Delta Dental • Majority of preventative and restorative services covered at 100% • Annual Delta Dependent verification Please reference the dental page on the District website and your Collective Bargaining Agreement for specific plan design information 19
Delta Dental Cost Example Delta provides you with access to two networks: PPO Premier Example PPO Participating Premier Non-Delta Dentist Participating Dentist Dentist Dentist’s Charge $200 $200 $200 Delta Max Plan $120 $150 $120 Allowance % of Allowance 50% 50% 50% Paid by Delta Delta Pays $60 $75 $60 Patient Pays $60 $75 $140 ($120-$60) ($150-$75) ($200-$60) Note that the PPO Network of dentists offers the deepest discount. When looking for a dentist on Delta’s website, the dentist search will automatically default to providers in the PPO Network. 20
Delta Dental- Dual Coverage Coordination of Benefits 21
Delta Dental- Dual Coverage Coordination of Benefits ( con’t ) 22
Davis is Vis isio ion Vision Plan Design: Visit the district website or contact Davis Vision for additional vision plan details! 23
Davis Vision 24
Life Insurance & 403(b) Plan 25
Life & Long-Term Disability Insurance Term Life insurance is offered to eligible employees as a flat dollar amount based on collective bargaining agreement. Remember to update your life insurance beneficiaries as you have the need! 26
403(b) Plan Don’t delay, plan for retirement today! • Enrollment is optional and employees can enroll at anytime • 403(b) plan contributions are payroll deducted and tax-deferred • 2017 IRS maximum contribution- $18,000. Age 50 and over can contribute an additional $6,000 for a max of $24,000. • Provides extra retirement savings in addition to your PSERS pension contribution • Nationwide Online enrollment: http://www.nationwide.com/403b-retirement-plans.jsp Use case number: 782-80039 • Contact Polaris Retirement Plan Advisors: Kimberly Wenger 775-8061 ext. 36 27
Your 403(b) Plan & Saving for Retirement 28 Information provided by Polaris Advisors
Plan Early for Retirement 29 Information provided by Polaris Advisors
403(b) Contributions 30 Information provided by Polaris Advisors
Other District Offered Benefits 31
Connect Care 3 (CC3) CC3 is a free voluntary benefit to you as a an employee enrolled in District medical benefits. What CC3 can do for you: • Educate you on your injury or illness • Research and share a list of doctors and medical facilities • Prepare a list of questions that you should ask your doctor at your next appointment • Accompany you to your doctor’s appointment, if desired • Help you find access to social services • Resolve certain insurance issues Contact: (877) 223-2350, www.connectcare3.com, info@connectcare3.com 32
Employee Assistance Program (EAP) The EAP is a free, voluntary, completely confidential service that is provided to you by the District through Mazzitti & Sullivan. Counseling sessions provided for: – Marital and family issues – Issues with children and adolescents – Emotional distress – Personal issues – Anger, stress, and time management – Grieving – Alcohol, drug, or other addictions – Health-related issues – Job stress – Child or spousal abuse Available to you and your family members- No enrollment necessary! Contact: 1-800-543-5080 info@mseap.com www.mseap.com, Click ‘Member Login’ and use ‘CD’ in the Sign In box under ‘ Access Code’ 33
Access Your Benefits From Anywhere Websites & Mobile Apps 34
Your access to more information highmarkblueshield.com davisvision.com 35
Vir irtual Medicin ine Telemedicine 36
Virtual Medicine (Telemedicine) • What is it? - A “virtual” doctor’s visit from the convenience of your computer, smartphone or tablet • When should you consider virtual medicine? - Acute care : Bad cold, child with an earache on vacation - When you can’t wait to see a dermatologist - Follow-up visits with a PCP or specialist when available
Virtual Medicine (Telemedicine) • Minor illnesses • Behavioral health • Minor illnesses • Behavioral health • Skin, hair and nail issues
Find out more now – so you’re ready when you need care • Go to the website and register: – doctorondemand.com – amwell.com – dermatologist.com • Or download the free app • Ask your PCP or specialist if he or she offers virtual medicine
What do I do now? Next Steps 40
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