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2020-2021 Employee Benefit Presentation 1 WHO, WHAT , WHY ? Who: Introduction ? What are we reviewing today: Open Enrollment Benefit Options ? Why am I on this call: This presentation is to provide an explanation and understanding of

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  1. 2020-2021 Employee Benefit Presentation 1

  2. WHO, WHAT , WHY ? Who: Introduction ? What are we reviewing today: Open Enrollment Benefit Options ? Why am I on this call: This presentation is to provide an explanation and understanding of the benefits available to you and the Open Enrollment process. 2

  3. Monday, April 27 th through Friday, May 15th  Hickman Mills School District is partnering with BeneBloc to assist with the review and enrollment of your benefits.  All benefit eligible employees will sign up for a designated time for your individual benefit review. Click here to schedule your appointment https://BeneBlocEnrollment.as.me/hickmanmills.  Go to your benefit portal, https://www.benebloc.com/portals/hickman/ to review all benefits offered and to schedule your individual benefit appointment.  Prior to your scheduled meeting be sure to review your benefit guide and all the options available to you. 3

  4. Open Enrollment Announcement Flyer 4

  5. Medical Cigna remains your medical provider  Four plans are available for you choose from  $4000 SureFit HDHP 1. $2800 SureFit HDHP 2. $450 annual district HSA contribution  $2800 OAP (Open Access Plan) HDHP 3.  $450 annual district HSA contribution $1500 SureFIt 4. Go to www.mycigna.com to look up participating providers  MONTHLY MEDICAL PLAN1 PLAN 2 PLAN 3 PLAN 4 PLAN RATES $1500 SUREFIT $4000 SUREFIT $2800 SUREFIT $2800 OAP HDHP HDHP HDHP Plan Employee $0.00 $51.27 $120.18 $126.47 Employee + Spouse $461.62 $781.37 $902.66 $943.93 Employee + Children $320.90 $628.12 $737.63 $790.32 5 Family $1152.32 $1537.96 $1714.33 $1766.77

  6. Medical Plan Changes An INCREASE in the District Premium Contribution for the 2020-2021 Plan year. For 2020-2021 Plan year the contribution has increased to $854.28 per employee per month. Other Plan Changes: $4000 Surefit HDHP – No plan changes 1. $2800 Surefit HDHP ($450 HSA contribution) - HDHP-Increased deductible/out of pocket max from 2. $2700 to $2800 and out of pocket maximums were raised to $5600 from $5400. **Changes per IRS Regulations for 2020 $2800 OAP (Open Access Plan) HDHP ($450 HSA contribution) – HDHP-Increased deductible/out of 3. pocket max from $2700 to $2800 and out of pocket maximums were raised to $5600 from $5400 ** Changes per IRS regulations for 2020 $1500 Surefit Network – There is now a deductible for this plan. No Primary Care Physician copays for any 4. dependents covered under your plan under the age of 19. Emergency room copay increased to $350 copay per 6 visit.

  7. SureFit vs OAP Network 7

  8. Finding a Provider 8

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  12. Dental  Two plans offered to you through Cigna  PPO Base Plan  PPO Buy Up Plan  Go to www.deltadentalmo.com to find a participating dentist  No changes to rates or plan benefits Employer Employee Rate Per Base Plan Full Premium Contribution Month Employee Only $25.20 $0 $25.20 Employee + Spouse $60.83 $35.63 $25.20 Employee + Children $60.36 $35.16 $25.20 Family $121.82 $96.92 $25.20 Employer Employee Rate Per Buy Up Plan Full Premium Contribution Month Employee Only $35.10 $9.90 $25.20 Employee + Spouse $79.59 $54.39 $25.20 Employee + Children $78.99 $53.79 $25.20 Family $159.40 $134.20 $25.20 12

  13. Vision VSP is your vision provider. You may locate an in-network provider at  www.VSP .com. No changes to rates.  Enhancements to plan designs  VSP Vision Benefit Summary Plan Feature Base Plan Premium Plan Exam Copay $10 $10 Materials Copay $25 $25 Frequency: Exam 1 every 12 months 1 every 12 months Lenses 1 every 12 months 1 every 12 months Frames 1 every 24 month 1 every 12 months VSP Diabetic Eyecare Plus Program $20 copay per visit $20 copay per visit $150 allowance/$170 allowance for featured frame $200 allowance/$220 allowance for featured frame brands, brands, 20% savings over allowance; $80 20% savings over allowance; $110 Walmart/Costco frame Frames Walmart/Costco frame allowance allowance Single Vision, Lined Bifocal, and lined trifocal – Single Vision, Lined Bifocal, and lined trifocal – included in Lenses included in prescription Glasses prescription Glasses Lens Enhancements $0 $0 Standard Progressive Lenses $95-$105 $30 Premium Progressive Lenses $150-$175 $30 Custom Progressive Lenses Contact Lenses $150 allowance $200 allowance (in lieu of glasses) Services related to diabetic eye disease, glaucoma Services related to diabetic eye disease, glaucoma and age- and age-related macular degeneration and Retinal Diabetic Eye Care related macular degeneration and Retinal screening; $20 copay 13 screening; $20 copay Dependent Ages Covered to age 26

  14. Vision Rates Base Plan Buy-Up Plan Employee $5.72 $12.14 Employee + Spouse $11.44 $24.28 Employee + Children $12.24 $25.99 Family $19.58 $41.52 14

  15. Section 125 Plan  Two types of plans available  Health Care Flexible Spending Account for health care expenses. Maximum per year $2,750.  Dependent Care Flexible Spending Account for Day Care expenses. Maximum per year $5,000.  Purpose is to pay for out of pocket expenses with pre-tax dollars through flexible spending accounts. 15

  16. Life and AD&D  New provider, Reliance Standard for the 2020 plan year.  Hickman Mills School District provides you with $25,000 of term life insurance and AD&D at NO cost to you.  Voluntary Life Insurance allows you to purchase an additional amount of coverage as well as get life insurance for your dependents.  Current employees electing coverage or an increase in coverage for themselves, spouse and/or child(ren) may enroll under the Guaranteed Issue Enrollment (no health questions) for this OE only. Monthly Premium $100,000 of Coverage Employee Only  Employee GI: Up to $130,000 24 $3.70 29 $4.40  Spouse GI: Up to $25,000 34 $5.90 39 $9.00  Child GI: $10,000 44 $13.10 49 $20.90 54 $32.70 59 $54.94 64 $73.90 69 $125.00 70+ $222.20 16 Child per $1,000 $0.43

  17. Accident Insurance  New Accident plan carrier which provides better benefits as a lower premium.  Pays a benefit to you directly if you are injured and need treatment whether at home or work. RSLI Base Coverage  A decrease in rates from the current accident plan. Initial Hospital Confinement $1,000 Daily Hospital Confinement $200 ICU Admission $1,500 Monthly Premium Current Rates NEW Rates Intensive Care $400 $16.29 $15.56 Employee Coverage Dislocation/Fracture Rider $26.34 $22.72 Employee + Spouse Dislocation/Fracture Rider Up to $6,000/Up to $7,500 $30.42 $28.62 Employee + Child Accident Treatment & Urgent Care $40.47 $36.59 Family Rider Accidents Physicians Treatment $75 Accident Follow-Up Treatment $75 Emergency Room Treatment $150 Urgent Care $75 AD&D & Functional Loss Rider Accidental Death $50,000 Paralysis Up to $15,000 $7500 for one/$15,000 for Dismemberment two 17 Additional Features Portability Yes

  18. Critical Illness Insurance  Pays you a benefit if you are diagnosed with a covered condition such as a heart attack, stroke or cancer. RSLI Initial Critical Illness Benfeits  $50 wellness benefit for completing a health screening. Heart Attack 100% Stroke 100% Coronary Artery Disease/Bypass Surgery 25%  Coverage is portable. Major Organ Failure/Organ Transplant 100% End Stage Renal Failure 100%  Ability to elect an employee only option (w/o children). Cancer Critical Illness Benefits (Optional) Invasive Cancer 100% Carcinoma in Situ 25%  A decrease in rates from the current CI plan. Supplemental Critical Illness Benefits Benign Brain Tumor 100% Coma 100% Monthly Premium Current Rates NEW Rates Loss of Sight 100% $15,000 Benefit - Issue Loss of Hearing 100% Age/Non-Tobacco Employee+Children Employee+Children ALS 100% 24 $9.65 $7.58 Paralysis 100% 29 Additional Benefits $10.55 $7.58 Reoccurence of Benefit 100% 34 $13.55 $12.15 Waiting period for Reoccurance 6 months 39 $18.20 $12.15 Waiting period between Claims for differing 44 $25.55 $23.25 illness 90 days 49 $34.70 $23.25 Wellness Benefit (per year) $50 54 Maximum Benefit? 1000% $45.50 $42.00 Additional Features 59 $59.75 $42.00 Pre-Existing Condition Limitation Applies None 64 $76.25 $78.45 Age reduction Feature 50% at 70 69 $85.55 $78.45 18 Portability Yes 70+ $152.75 $158.10 GI max amount $30,000 Dependent child coverage 25%

  19. Educator Disability Insurance  Educator disability insurance pays you a percentage of your salary if you are unable to work for an extended period of time due to a covered injury or illness.  Benefit amounts in increments of $100, from a minimum of $200 up to a max or $7,500 per month. Not to exceed 60% of your covered earnings.  2 elimination period options: 14 days injury/14 days sickness 1. 30 days injury/30 days sickness 2.  A 10% decrease in premium from current plan. 19

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