ANNA ANNA ISD SD 2020 2020-21 NE 21 NEW H HIRE E EMP MPLOYEE - - PowerPoint PPT Presentation
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
Benefits Plan Year September 1, 2020 – August 31, 2021
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.
to call you and discuss benefit options at https://annaisd.timetap.com/
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.
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
be effective
date of hire ENROLLMENT
benefit elections no exceptions will be made for late enrollees
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
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/
within your requested window)
TRS-ACTIVECARE
TRS-ActiveCare Plans have a new administrator! BlueCross BlueShield
replacing Aetna as the plan administrator on
Please visit the participant website for information on the new plan designs and new provider networks.
TRS-ACTIVECARE
TRS-ActiveCare Plan Options Primary: Completely NEW plan
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
TRS-ActiveCare introduces the NEW Primary Plan and the Primary+ Plan (formerly the Select Plan)! Both plans offer affordable co-pays. 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.
Primary Primary+
TRS-ACTIVECARE
TRS-ActiveCare Plan Options HD & ActiveCare 2 are both PPO plans with a Nationwide
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
plan.
HD ActiveCare 2
“Ask Emma” New decision support tool BCBSTX App See claims and EOB’s Live Chat TRS Virtual Health Choices Support for YOU Personal Health Guides
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.
prescriptions before you meet deductible
benefits
Medical Flexible Spending Accounts (FSA) allow you to set aside pre-tax payroll deductions each paycheck to pay for
and your family. During open enrollment you will estimate the amount you think you will need during the year. Your full annual election will be available to you at the beginning of the plan year. Lewisville ISD Medical FSA plans provide an additional 2 1/2 months to incur and claim against unused funds in the new plan year. Keep in mind that remaining balances after the grace period is exhausted will be forfeited under the use-it-or-lose-it rule.
Maximum Contribution Amount for 2020
Keep all receipts in case you need to substantiate a claim for tax purposes. Your receipt must include:
insurance
merchant or provider name, and the patient name.
NOTE: The IRS requires proof that all expenses are eligible.
With a Dependent Care Flexible Spending Account, you can set aside part of your pay
dependent care expenses like childcare, babysitters and adult day care. Maximum Contribution Amount for 2020
HIGHLIGHTS
claimed as an exemption on your tax return.
children under age 13 or an adult dependent incapable of self-care.
as contributions are made to your account.
to substantiate a claim for tax purposes.
end of the runoff or grace period.
Maximum Contribution Amount for 2020 $3,500 – Self $7,100 - Family
HIGHLIGHTS
and earn interest along the way.
leave employment.
mutual funds to grow your tax savings for either future healthcare costs or retirement.
card that gives you immediate access to your money at the time of purchase.
through our online portal, online bill pay directly to your provider or submitting a distribution request form.
reimbursement but be sure to save them for tax purposes.
A Health Savings Account (HSA) allows you to set aside money to pay for higher deductibles associated with a lower monthly premium High Deductible Health Plans (HDHP). Eligible expenses include:
BENEFITS CARD
The First Financial Benefits Card is available to all employees that participate in Medical FSA and/or a Dependent Care FSA. The Benefits Card gives you immediate access to your money at the point of purchase. Cards are available for participating employees, their spouse, and eligible dependents that are at least 18 years old.
ONLINE FSA PORTAL
participants can log in to their
account balances, check on claims, upload receipts and access
to login or set up your account.
FF FLEX MOBILE APP
First Financial offers multiple resources for your convenience that help you maximize your benefits. First Financial has partnered with the FSA Store & HSA Store. An online marketplace that connects consumers to FSA & HSA-eligible products, seasonal deals, and account support resources such as a national database of providers as well as a FSA & HSA Learning Center. Managing your benefit accounts on the go is made easy with FF Flex Mobile App. This powerful, intuitive mobile application gives you access to view your account balances, update your profile, submit a claim and much more – right from your Android or Apple device.
Please Note: If you utilize the in-network dentist, the plan will benefit you and pay a larger amount for your dental services. Out-of- network dentists are not regulated and can charge any amount for their services.
Ask your dentist:
Are you an In-Network dentist for "MetLife PDP Network"? Call MetLife and ask them for a list of In-Network Providers in your area High Plan Employee Only $18.36 Employee & Spouse $36.58 Employee & Child(ren) $41.48 Employee & Family $67.49
Standard Plan
Proper vision care is essential to your overall
prevent eye disease and keep your vision strong for years to come. Here are just a few of the areas where you will save money with your plan:
Highlights
Semi-Monthly Rates Low Plan High Plan Employee Only $3.38 $4.73 Employee & Spouse $5.78 $9.23 Employee & Child(ren) $6.12 $12.78 Employee & Family $9.18 $12.78
Hospital stays are costly. If you or a family member find yourself in the hospital due to a sudden accident or illness, you may struggle financially, even if you have a good medical plan. The Aflac Group Hospital Indemnity Plan provides cash benefits directly to you that help pay for some of the costs - medical and nonmedical - associated with a covered hospital stay due to a sickness or accidental injury. NO PREGNANCY LIMITATION!
Semi-Monthly Employee Only $11.34 Employee & Spouse $21.54 Employee & Child(ren) $17.39 Employee & Family $27.59 Occurrence Benefit Pays Hospital Admission (per confinement) Once per covered sickness or accident per calendar year $1000 Hospital Confinement (per day) 31 days max per covered sickness or covered accident $150 Hospital Intensive Care (per day) 10 days max per covered sickness or covered accident $150
TEXAS LIFE INSURANCE - PERMANENT, PORTABLE LIFE INSURANCE
The peace of mind voluntary, permanent life insurance provides is unmatched. It is a solid companion to your group life insurance plan. Texas Life provides life insurance that you can keep for a lifetime. The plan is easy to purchase, pay for, and keep through the convenience of payroll deduction. Coverage is affordable and dependable. Plus, Texas Life has over a century of experience protecting families and giving the peace of mind only permanent life insurance can provide.
Highlights:
coverage; Express Issue
coverage; Express Issue
spouse’s age
Disability coverage replaces a portion of income for the period of time you are unable to work due to accident or illness. You are able to choose the benefit amount, which is the amount of your income to replace, and the length of time that you can go without your paycheck. Have you ever wondered what would happen to your income if you had an accidental injury, sickness, or pregnancy?
Consider these questions when making your decision:
How much employer leave do you have? Do you have adequate savings for a lengthy period without income? Do you have other income you can rely on, such as from your spouse or from child support? How close are you to retirement? Could you go on Social Security Disability or take a Disability Retirement? What are your other sources of income?
but any new or enhanced coverage has a 12 month pre-existing condition limitation
month pre-existing limitation applies
you select, and how long of an "elimination period" you select
30 days, 60 days, 90 days or 150 days
patient hospital admittance of 24 hours or more
Fidelity
If you’ve heard of cancer, heart attacks, strokes, organ transplants or paralysis, then you’re familiar with critical illness. It’s likely you or someone you know has experienced one of these life-altering events. Often times, a critical illness has a powerful impact on people’s lives, affecting their livelihood and finances.
ü Plan pays a lump-sum benefit amount of $10,000 or $25,000 directly to you ü Children are eligible for 50% of the employee benefit amount FREE! ü Guaranteed Issue for all employees, spouse and children ü Recurrence Benefit ü Portable ü $100 Health Screening Benefit Covered Critical Illnesses:
It is likely that your major medical coverage will not cover all of the costs associated with a cancer diagnosis. Supplementing your major medical with cancer insurance may help you pay for related expenses, such as copays and deductibles, specialists, experimental treatment, specialty hospitals, travel expenses, in-home care and more. Premiums are paid through convenient payroll deduction to ensure your policy remains in force if you should need it. Benefits are paid directly to you, so you can choose how to spend the money.
Accident coverage is available to you through payroll deduction and may provide a benefit for costs associated with:
Great plan to consider if you have children in sports or if you are accident prone!
Semi-Monthly Rates Basic Plan Enhanced Plan Employee Only $9.95 $13.05 Employee & Spouse $14.15 $17.45 Employee & Child(ren) $15.75 $20.50 Employee & Family $19.95 $24.90
GROUP TERM LIFE INSURANCE Anna ISD provides all eligible employees a $10,000 basic life plan. The cost of this policy is paid for 100% by your employer. This is a term life policy that is in effect while you are employed. Group Term life insurance is term life coverage you can purchase in addition to the basic life plan provided by your employer. It will cover you for a specific period of time while you are employed. Plan amounts are offered in tiers so you can choose the amount of coverage that works best for you and your family. Because it's a group plan, premiums are typically lower, so it's more affordable to gain the peace of mind that life insurance provides.
Here’s how this plan works:
day of the month following the date of approval by MetLife
With the WellVia Telehealth program, Board Certified physicians will diagnose your illness, recommend treatment and prescribe medication via telephone or video. You can contact them from anywhere – home, work, school, even while on vacation. It’s like having a doctor on call whenever you need medical
click away!
Anna ISD provides this benefit for you and your dependents FREE regardless of your medical election!
Please contact your dedicated benefits team: Victoria Joye, Account Manager EMAIL: Victoria.joye@ffga.com Anna ISD Benefits Office EMAIL: Aymee Powell, Aymee.Powell@annaisd.org
*DON’T FORGET TO SIGN UP FOR YOUR BENEFIT APPOINTMENT CALL TODAY!*