DSI SISD SD Emp mployee loyee Bene nefits fits Pa Pack ckage - PowerPoint PPT Presentation

DSI SISD SD Emp mployee loyee Bene nefits fits Pa Pack ckage

Plan Sponsors and Third Party Administrators Medical Benefits Provided through the Teacher Retirement System of Texas (TRS) 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)

2019 – 2020 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 and through other links on the DSISD DSISD’s Open Enrollment 2019 webpage . 3

Open Enrollment for 2019 - 2020 July 9 through August 23 • Passive Enrollment – 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 if you are not making plan changes. • If your NBS debit card for HSA/HRA or FSA expires on • 9/1/2019, 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 2019 - 2020 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 1-HD participants • $900 per year District contribution to a Health Reimbursement Arrangement (HRA) - For ActiveCare 2, ActiveCare Select, 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

Cafeter teria a Plan Pre- Pre Medical – TRS ActiveCare Plans Option ons Tax Tax Aetna – PPO & EPO plans TRS ActiveCare Plan Highlights Comparison • TRS ActiveCare 1-HD • TRS ActiveCare Select- EPO (Exclusive Provider Organization) • TRS ActiveCare 2 www.trsactivecareaetna.com 1-800-222-9205 Scott & White – HMO plan Scott & White HMO Plan Highlights https://trs.swhp.org/ 1-800-321-7947 Care Mark Pharmacy – http://www2.caremark.com/trsactivecare/ 1-800-222-9205 7

Medical Plan Premiums for 2019-2020 Total District Employee Change from Plan Premium Contribution Rate 2018-2019 ActiveCare 1-HD Employee Only $378.00 $300.00 $78.00 -$14.00 Employee & Spouse $1,066.00 $300.00 $766.00 $6.00 Employee & Children $722.00 $300.00 $422.00 -$4.00 Employee & Family $1,415.00 $300.00 $1,115.00 $16.00 ActiveCare Select EPO Employee Only $556.00 $300.00 $256.00 -$9.00 Employee & Spouse $1,367.00 $300.00 $1,067.00 $15.00 Employee & Children $902.00 $300.00 $602.00 $1.00 Employee & Family $1,718.00 $300.00 $1,418.00 $25.00 ActiveCare 2 Employee Only $852.00 $300.00 $552.00 $45.00 Employee & Spouse $2,020.00 $300.00 $1,720.00 $140.00 Employee & Children $1,267.00 $300.00 $967.00 $79.00 Employee & Family $2,389.00 $300.00 $2,089.00 $170.00 Scott & White HMO Employee Only $558.54 $300.00 $258.54 -$44.82 Employee & Spouse $1,306.58 $300.00 $1,006.58 -$71.82 Employee & Children $876.76 $300.00 $576.76 -$56.30 Employee & Family $1,457.28 $300.00 $1,157.28 -$77.28 8

Networks Aetna Plans www.trsactivecareaetna.com ActiveCare 1-HD Aetna Open Access Network ActiveCare 2 Aetna Open Access Network Seton Health Alliance Network - ActiveCare Select EPO For those living in Bastrop, Burnet, Caldwell, Hays, Travis, (Must use Doctors and Facilities within your or Williamson Counties -or- specific Network; except for a “True Baylor Scott & White Quality Alliance – Medical Emergency”) For those living in Bell, Brazos, Collin, Dallas, Denton, Ellis, Hays , McClennan, Milam, Parker, Rockwell, Tarrant, Travis, Washington, or Williamson Counties Baptist Health System and HealthTexas Medical Group - For those living in Bexar, Comal, Guadalupe, or Kendall- For those living outside these counties- TRS-ActiveCare Select Network Scott & White HMO www.trs.swhp.org (Must use Network Doctors and Facilities) TRS-ActiveCare Participants Network 9

TRS ActiveCare Plan Tips Preventive Care and Routine Prenatal care – covered at 100% Mail order - Care Mark RX – 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 1-HD and Scott & White HMO – no charge for phone consultations 888-365-1663 Teladoc – the telehealth provider for ActiveCare 2 and ActiveCare Select - No charge for phone consultations 855-835-2362 ActiveCare Select EPO Providers – Stay in-network – out-of- network services are not covered 10

Cafeter teria a Plan Pre- Pre Health Savings Account (HSA) Option ons Tax Tax Automat omatic for ActiveCare 1-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

Cafeter teria a Plan Pre- Pre Health Reimbursement Arrangement (HRA) Option ons Tax Tax • Aut utomat omatic ic for ActiveCare Select, ActiveCare 2, and Scott & White HMO • $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

Cafeter Cafeter teria teria a Plan a Plan Post- Telehealth Plans – MDLive or Teladoc Option Option ons ons Tax 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 ActiveCare + for ActiveCare1-HD and + for ActiveCare Select & Scott & White HMO ActiveCare 2 + covers employee and all + only for those covered dependents listed with FBS. on the plan. + Also available on voluntary, post-tax basis for all others. 13

Cafeter teria a Plan Pre- Pre Dental Plans - CIGNA Option ons Tax 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 2019-2019 2019-20 Plan Premium Cigna PPO High Plan Employee Only $34.42 Employee & Spouse $84.77 Employee & Children $92.94 Employee & Family $129.57 Cigna PPO Low Plan Employee Only $17.24 Employee & Spouse $35.03 Employee & Children $40.28 Employee & Family $61.50 Cigna DHMO Employee Only $11.52 Employee & Spouse $21.75 Employee & Children $24.53 Employee & Family $37.98 15

Cafeter teria a Plan Pre- Pre Vision Plan - Superior Vision Option ons Tax 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

Cafeter teria a Plan Post- Life Insurance Plan Options Option ons Tax 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 100. Available Terminal Illness & Quality of Life Rider 17

Cafeter teria a Plan Post- Disability Plan - UNUM Option ons Tax 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 • Six waiting (“elimination”) period options • Waiting period waived on 14- or 30-day options if hospitalized 23 or more hours 18