FIND YOUR FIT Leander ISD 2020 Benefits Open Enrollment Overview - PowerPoint PPT Presentation

FIND YOUR FIT Leander ISD 2020 Benefits Open Enrollment Overview

IMPORTANT Enrollment Information Open Enrollment will be Oct. 14th-Nov.1st Current benefit elections will NOT roll forward for the new plan year ALL benefits-eligible employees must complete Open Enrollment, even if you don't plan to make plan changes or waive coverage. This applies to new hires as well. Remember: To make mid-plan year changes to your benefits, you much have a Qualifying Event. Examples: marriage, divorce, birth or adoption, death, change in dependent eligiblity status, etc.

Open Enrollment We will provide information on all plan offerings. This is a opportunity to speak with the Meeting Schedule Benefits Dept. about your 2020 benefits options. Attend an Open Enrollment meeting to be sure you have the information you need to make the best decision for your needs. 02 OCT 03 OCT 07 OCT 08 OCT 08 OCT CPHS GHS VRHS Plant VHS SVCS

@CIC Open Enrollment 14 OCTOBER Meeting Schedule @CNS Cont. 17 OCTOBER 09 OCT 10 OCT 11 OCT 15 OCT 16 OCT ADMIN CUSTODIAL RHS LHS Trans.

Enrollment System-Where NEW ENROLLMENT SYSTEM = do I begin? ALL benefits-eligible employees must complete Open Enrollment, even if you don’t plan to make changes or waive coverage. Please note your work email may include a middle initial.

Open Enrollment Lab Schedule 03 07 OCT

WHAT'S NEW?? New System Good News! New Benefits You will now conduct your annual open enrollment online We are always looking to add at www.thebenefitsexpert.com, We are happy to announce the best options. Here are some we think you will find this that our premiums on almost new ones that will be available system very user friendly. all products will be the same or January 1, 2020: lower than last year! All of your current information · Hospital Indemnity (The has been transferred into this Specifically,medical premiums Hartford) system. will remain the same for most · TMJ Coverage (Metlife Dental tiers and slightly lower on High Plan) IMPORTANT: ALL benefits some. · Marriage & Family Counseling eligible employees must (BCBS) complete Open Enrollment, · Behavioral Health (MDLive) even if you don’t plan to make Talk Therapy changes AND/OR want to waive coverage.

WHAT'S NEW?? cont. Mental Health Pharmacy RX Medical Update · All BCBS medical plans will also now include marriage and Per IRS rules, the CDHP plan family counseling. Electing medical coverage deductibles have moved from automatically enrolls you into 1,350 to 1,400 and 2,700 to · The telemedicine benefit, the corresponding Rx plan 2,800. The out-of-pocket administered by MDLive, will through CVS Caremark. Please maximums have also increased now include Talk Therapy. You note, CVS Caremark provides on these plans. The PPO can now speak with a licensed comprehensive coverage deductible has moved from counselor, therapist or through all local pharmacies, 800 to 1,000 to align better psychiatrist for telephonic and not just CVS. with local districts. video chat support via MDLive. You will receive a new card! · We are changing our Employee Assistance Program (EAP) provider which will allow us a better network of licensed counselors. We still offer 6 free sessions per issue per family member.

During open enrollment, you can make a decision to support LEEF through a payroll contribution. Just elect the amount you want to contribute every paycheck to LEEF and deductions will begin in January. Your tax-deductible contribution can be $1 or more per pay period. You can change this amount at any time. Please consider joining your colleagues enrolled in the Employee Giving Program and directly impact your district. As little as $2 per month from every Leander ISD staff member would provide $120,000 in support to our classrooms and students! LEEF supports its mission through three main program initiatives: - Foundations for Learning focusing on early literacy. - Enriching Great Teaching through innovative teaching grants and professional development, and College Ready. - College Bound to build a college and career-ready culture among all students.

MEDICAL PLAN OPTIONS - WHAT TO THINK ABOUT

CDHP 1400 vs. CDHP 2800

MEDICAL PLAN RATES

Cash Back with MEMBER REWARDS! Your doctor recommends a Earn cash back while shopping for care. Did medical service or you know you can earn money when you procedure. need an MRI, catscan, colonoscopy and choose a less expensive provider? Log in at www.bcbstx.com, Did you know that these procedures can vary to shop and compare hundreds or even thousands of dollars depending procedure costs. on where you go? Why not earn some money for making smarter You select the location of choices - It just takes 4 easy steps! choice and have the procedure or service done. The claim is paid and so are you! A check is mailed directly to you.

Call 888-680-8648 or visit www.mdlive.com Get care when and where This year we’ve added Talk •What should I use MDLive you need it. Virtual visits Therapy . Speak with a for? allows you the option to licensed counselor, therapist, consult a doctor by phone, or psychiatrist for support. •Allergies Cold and Flu mobile app, or online video Calling a doctor is less •Asthma Ear Infections anytime, anywhere. expensive than an office visit! •Nausea/Vomiting Rashes •Pink Eye •UTIs •Consultation fee on •Consultation fee on •Anxiety the CDHP 2800 and the CDHP 2800 and •Depression the CDHP 1400 is $44 the CDHP 1400 is $80-$175 •Trauma & loss •Relationship problems •Consultation fee on •Consultation fee on PPO the PPO 1000 is $35 1000 is $50 And more!

Health Savings Account Health Savings Account (HSA) participation gives you access to a personal savings account. You and LISD can make pretax contributions into your HSA. The funds in your HSA are yours to spend on your medical care as you see fit, to help cover the cost of expenses incurred that your medical plan does not cover, such as deductibles and co-pays. CDHP 1400 and CDHP 2800 are eligible plans. 2020 Annual Contribution Limits: $3,550 $7,100 *There is a $1,000 catch up contribution on HSAs for employees over the age of 55 Leander ISD contributes $42/month towards employees’ HSA account.

Flexible Spending Account A Flexible Spending Account allows you to save money by paying out-of-pocket health and/or dependent care related expenses with pre-tax dollars. Your contributions are deducted from your pay before taxes are withheld and your account is front loaded with an annual amount. Because you are taxed on a lower amount of pay, you pay less in taxes and you have more to spend. Dependent Care FSA Contribution Limits (2020 not •Uses tax-exempt funds to pay released at this time) for childcare expenses incurred while working. Can also be · Medical FSA—$2,650 (2019) used for adult daycare for · Limited Purpose FSA—$2,650 (2019) family members that live at · Dependent Care FSA—$5,000 (2019) home including disabled spouses. Child must be 12 or younger. ** LISD grace period states that you have until March 15th of 2021 to incur Limited Purpose FSA expenses on your past year FSA and until •Similar to a Medical FSA but March 31st to submit claims. limited to qualifying dental and vision expenses

What can I use my HSA/FSA for? •Copays •Vaccines •Deductibles •Humidifiers •Prescriptions •Orthodontia •Dental expenses •Diabetic Supplies For full lists go to http://www.hsabank.com and click •Vision expenses on eligible expenses and www.fsastore.com •Lasik Surgery •Hearing aids •Hospital bills •Fertility treatment •Lab fees •Acupuncture •Breast pumps •Chiropractors And more!

Prescription - CVS Caremark Do I have to only go to CVS now? RxBenefits is your Absolutely not. CVS Caremark provides Pharmacy Benefit prescription coverage for a comprehensive Administrator network. You can still use your favorite (PBA). Your pharmacies! pharmacy benefits coverage will be Will I get a new card? with CVS Yes! You will get a separate CVS Caremark card Caremark. that you will use at the pharmacy! Your card will look similar to the image below. Download the CVS app (with direct access through the LISD Benefits App!) Manage your medication online or through the mobile app. For assistance, please contact RXBENEFITS: 800-334-8134 Hours 7 AM - 8 PM OR RXHELP@RXBENEFITS.COM .

MEDICAL TRANSPORT - MASA Every day, families face the  nancial burden of unexpected emergency PLATINUM medical transportation. A MASA $39/MONTH membership ensures the peace of mind in knowing that a life saving medical EMERGENT PLUS transport doesn’t have to jeopardize $14/MONTH your family’s  nancial security. EMERGENT Emergent Ground Ambulance GROUND transport can easily surpass $2,000 $9/MONTH and can reach as high as $5,000. Emergent Air Ambulance transports frequently cost more than $40,000, reaching as high as $70,000. Monthly fee covers employee, spouse and children up to age 26. No deductibles. Easy claim process.