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

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

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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)

Plan Sponsors and Third Party Administrators

Medical Benefits Provided through the Teacher Retirement System of Texas (TRS)

SLIDE 3

This presentation provides general information about

pen 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.

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2019 – 2020 Benefits

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Open Enrollment for 2019 - 2020

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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

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Benefits for 2019 - 2020

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DSISD Benefits

$10,000 life insurance paid by DSISD
District-paid Employee Assistance Program

(EAP) for all employees

$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

www.deeroakseap.com

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Cafeteria Plan - Overview

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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
utside of Open Enrollment only if you have

a Qualified Family Status Change, and if you request the change within 30 days.

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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 – TRS ActiveCare Plans

Cafeter teria a Plan Option

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Pre Pre- Tax Tax

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Medical Plan Premiums for 2019-2020

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Plan Total Premium District Contribution Employee Rate Change from 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

SLIDE 9

Networks

9 Aetna Plans www.trsactivecareaetna.com

ActiveCare 1-HD Aetna Open Access Network ActiveCare 2 Aetna Open Access Network ActiveCare Select EPO (Must use Doctors and Facilities within your specific Network; except for a “True Medical Emergency”) Seton Health Alliance Network - For those living in Bastrop, Burnet, Caldwell, Hays, Travis,

r Williamson Counties
or-

Baylor Scott & White Quality Alliance – 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

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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

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SLIDE 11

Health Savings Account (HSA)

Automat
matic 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 Option

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Pre Pre- Tax Tax

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Health Reimbursement Arrangement (HRA)

Aut

utomat

matic

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 teria a Plan Option

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Pre Pre- Tax Tax

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Cafeter teria a Plan Option

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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

855-835-2362

+

Included in TRS ActiveCare

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for ActiveCare Select & ActiveCare 2

+

nly for those covered
n the plan.

Telehealth Plans – MDLive or Teladoc

Cafeter teria a Plan Option

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Post- Tax Tax

MDLive

888-365-1663

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Provided by DSISD

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for ActiveCare1-HD and Scott & White HMO

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covers employee and all dependents listed with FBS.

+ Also available on voluntary,

post-tax basis for all others.

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Dental Plans - CIGNA

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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)

Cafeter teria a Plan Option

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Pre Pre- Tax Tax

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Dental Plan Premiums 2019-2019

15 Plan 2019-20 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

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Vision Plan - Superior Vision

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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

Cafeter teria a Plan Option

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Pre Pre- Tax Tax

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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 Life Insurance Plan Options

Cafeter teria a Plan Option

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Post- Tax Tax

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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 Disability Plan - UNUM

Cafeter teria a Plan Option

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Post- Tax Tax

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Reimbursement Plans - NBS

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Administrator: National Benefit Services - NBS Three Types of Accounts:

Healthcare Flexible Spending Account (FSA)
Not available for HSA participants
Debit Card
Limited Purpose FSA for Vision & Dental Only
Only for HSA participants
Debit Card
Dependent Care Reimbursement Account
District Childcare direct pre-tax deduction;
ther childcare requires reimbursement

process All reimbursement plans are “Use it or Lose it” – no carryover from year to year.

Cafeter teria a Plan Option

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Pre Pre- Tax Tax

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Guaranteed Issue, Portable Coverage
Pays in Addition to Other Coverage
In- and Out-of-Hospital Benefits
Wellness Screening Benefits
Helps with expenses for: surgical expenses, blood

plasma, platelets, physician & nurse charges, hospital daily charges, radiation & chemotherapy

Available riders for ICU and Critical Illness (heart-

attack & stroke) Cancer Plan – American Public Life

Cafeter teria a Plan Option

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Pre Pre- Tax Tax

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Pays a lump sum benefit if a covered person is

diagnosed with a covered illness or condition

Examples of covered illnesses/Conditions:
Heart Attack
Stroke
Coma
Organ failure
Paralysis
Guaranteed Issue

Critical Illness – AFLAC

Cafeter teria a Plan Option

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Post- Tax Tax

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Hospital Indemnity Plan - Aflac

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Daily Benefit for Covered Hospital, Critical Care, or

Rehab Facility Stays

Hospital Admission (Benefit Per Confinement)
$2,000 High Plan / $1,000 Low Plan
Hospital Confinement (Benefit Per Day)
$200 High Plan / $100 Low Plan
Guaranteed Issue
No Pre-Existing Condition Limitations

Cafeter teria a Plan Option

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Pre Pre- Tax Tax

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Medical Expenses for Injuries
$500 per occurrence
Daily Hospital
Ambulance
Accidental Death & Dismemberment

Accident Plan – American Public Life

Cafeter teria a Plan Option

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Pre Pre- Tax Tax

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Provides ground or air medical emergency

transportation solutions

Covers out‐of‐pocket medical transport cost

when insurance falls short

No network, nationwide coverage

Emergency Transportation – MASA

Cafeter teria a Plan Option

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Post- Tax Tax

SLIDE 25

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Identity Theft Protection

Identity Monitoring
Cyber Monitoring
Non-Credit Loan Monitoring
Address Monitoring
100% Resolution Guarantee

Identity Theft Plan – ID Watchdog

Cafeter teria a Plan Option

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Post- Tax Tax

SLIDE 26

How to Enroll/Select Benefits

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Online enrollment system

(www.mybenefitshub.com/drippingspringsisd)

New Employees - See Enroller for assistance
Returning Employees – 3 Options:
Self enroll online
Call FBS at 1-866-914-5202 for assistance
One-on-one, in-person enroller assistance

available: August 14 @ Central Office, August 16 or 19 on Campuses

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AUGUST ENROLLMENT DATES

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Date Time Location

August 14 (Wednesday)

9:00am – 5:00pm Central Office Room 209

August 16 (Friday)

9:00am – 5:00pm DSHS – CL&I Comp Lab SSMS & SSE – CL&I

August 19 (Monday)

8:00am – 12:00pm DSE Comp Lab (Room 209) RSE – Downstairs Comp Lab 1:00pm – 5:00pm DSMS CL&I WSE – Room 325

Through August 23

Self-Enroll Anytime Online

(www.mybenefitshub.com/drippingspringsisd) Through August 23

Mon-Thu 8:00am – 5:00pm Fridays 8:00am – 3:00pm Phone Assistance 1-866-914-5202

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FINANCIAL BENEFIT SERVICES

Your Total Benefit Solution

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Susan an Winkler er Benefits Consultant susanw@fbsbenefits.com 512-535-4989