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

Leander ISD 2020 Benefits Open Enrollment Overview

FIND YOUR FIT

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 Meeting Schedule

We will provide information on all plan offerings. This is a

• pportunity to speak with the

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

CPHS

03 OCT 07 OCT 08 OCT 08 OCT

GHS VRHS Plant SVCS VHS

Open Enrollment Meeting Schedule Cont.

09 OCT 10 OCT 11 OCT 15 OCT 16 OCT

LHS Trans. ADMIN CUSTODIAL RHS

@CIC

OCTOBER

14

@CNS

OCTOBER

17

Enrollment System-Where do I begin?

NEW ENROLLMENT SYSTEM = 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??

Good News!

We are happy to announce that our premiums on almost all products will be the same or lower than last year! Specifically,medical premiums will remain the same for most tiers and slightly lower on some. You will now conduct your annual open enrollment online at www.thebenefitsexpert.com, we think you will find this system very user friendly. All of your current information has been transferred into this system. IMPORTANT: ALL benefits eligible employees must complete Open Enrollment, even if you don’t plan to make changes AND/OR want to waive coverage.

New System New Benefits

We are always looking to add the best options. Here are some new ones that will be available January 1, 2020: · Hospital Indemnity (The Hartford) · TMJ Coverage (Metlife Dental High Plan) · Marriage & Family Counseling (BCBS) · Behavioral Health (MDLive) Talk Therapy

WHAT'S NEW?? cont.

Pharmacy RX

Electing medical coverage automatically enrolls you into the corresponding Rx plan through CVS Caremark. Please note, CVS Caremark provides comprehensive coverage through all local pharmacies, not just CVS. You will receive a new card! · All BCBS medical plans will also now include marriage and family counseling. · The telemedicine benefit, administered by MDLive, will now include Talk Therapy. You can now speak with a licensed counselor, therapist or psychiatrist for telephonic and video chat support via MDLive. · 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.

Mental Health Medical Update

Per IRS rules, the CDHP plan deductibles have moved from 1,350 to 1,400 and 2,700 to 2,800. The out-of-pocket maximums have also increased

• n these plans. The PPO

deductible has moved from 800 to 1,000 to align better with local districts.

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!

Earn cash back while shopping for care. Did you know you can earn money when you need an MRI, catscan, colonoscopy and choose a less expensive provider? Did you know that these procedures can vary hundreds or even thousands of dollars depending

• n where you go?

Why not earn some money for making smarter choices - It just takes 4 easy steps! Your doctor recommends a medical service or procedure. Log in at www.bcbstx.com, to shop and compare procedure costs. You select the location of choice and have the procedure or service done. The claim is paid and so are you! A check is mailed directly to you.

Get care when and where you need it. Virtual visits allows you the option to consult a doctor by phone, mobile app, or online video anytime, anywhere. This year we’ve added Talk

• Therapy. Speak with a

licensed counselor, therapist,

• r psychiatrist for support.

Calling a doctor is less expensive than an office visit!

• Consultation fee on

the CDHP 2800 and the CDHP 1400 is $44

• Consultation fee on

the PPO 1000 is $35

• Consultation fee on

the CDHP 2800 and the CDHP 1400 is $80-$175

• Consultation fee on PPO

1000 is $50

• What should I use MDLive

for?

• Allergies Cold and Flu
• Asthma Ear Infections
• Nausea/Vomiting Rashes
• Pink Eye
• UTIs
• Anxiety
• Depression
• Trauma & loss
• Relationship problems

And more!

Call 888-680-8648 or visit www.mdlive.com

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.

Health Savings Account

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.

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.

Flexible Spending Account

FSA Contribution Limits (2020 not released at this time) · Medical FSA—$2,650 (2019) · Limited Purpose FSA—$2,650 (2019) · Dependent Care FSA—$5,000 (2019) Limited Purpose FSA

• Similar to a Medical FSA but

limited to qualifying dental and vision expenses Dependent Care

• Uses tax-exempt funds to pay

for childcare expenses incurred while working. Can also be used for adult daycare for family members that live at home including disabled

• spouses. Child must be 12 or

younger. **LISD grace period states that you have until March 15th of 2021 to incur expenses on your past year FSA and until March 31st to submit claims.

• Copays
• Vaccines
• Deductibles
• Humidifiers
• Prescriptions
• Orthodontia
• Dental expenses
• Diabetic Supplies
• Vision expenses
• Lasik Surgery
• Hearing aids
• Hospital bills
• Fertility treatment
• Lab fees
• Acupuncture
• Breast pumps
• Chiropractors

And more!

What can I use my HSA/FSA for?

For full lists go to http://www.hsabank.com and click

• n eligible expenses and www.fsastore.com

Prescription - CVS Caremark

RxBenefits is your Pharmacy Benefit Administrator (PBA). Your pharmacy benefits coverage will be with CVS Caremark. Do I have to only go to CVS now? Absolutely not. CVS Caremark provides prescription coverage for a comprehensive

• network. You can still use your favorite

pharmacies! Will I get a new card? Yes! You will get a separate CVS Caremark card 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 medical transportation. A MASA membership ensures the peace of mind in knowing that a life saving medical transport doesn’t have to jeopardize your family’s nancial security. Emergent Ground Ambulance transport can easily surpass $2,000 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.

PLATINUM $39/MONTH EMERGENT PLUS $14/MONTH EMERGENT GROUND $9/MONTH

Employee Assistance Program

Remember to take care of your mental and emotional health! Sometimes it's hard to balance the demands of family, work, and personal needs, and your Employee Assistance Program (EAP) is here to help. · 6 counseling sessions per need are available · No cost to you and the members of your household · Available 24/7/365 · 230 physicians, 185 in the BCBS network Your EAP Benefits: · Law Access: legal and financial services. · Help Net: customized website featuring resources. · Work Life: Resources and referrals for everyday needs. · Safe Ride: Reimbursement for emergency cab fare for eligible employees and dependents that

• pt to use a cab service instead
• f driving while impaired.

EAP- AWPgo Telehealth

AWPgo is a growing telehealth solution that

• ffers the option of

telephonic or video counseling. These new options are similar to traditional therapy, in that appointments are scheduled in advance and take place once a week. For EAP assistance, please contact ALLIANCE WORK PARTNERS AT 800-448-1823 OR WWW.awpNOW.COM. AWPgo at 800-343-3822 PlanWell at 800-343-3822 Teen Line at 800-334-TEEN (8336)

Who to Contact:

HEADSPACE

Live a healthier, happier, more well-rested life with the Headspace App! Sign up for free for the entire year through LISD! Hundreds of sessions on everything from stress and sleep, to focus and anxiety

Sign up at https://work.headspace.com/educators-TX-F-L/join with your district email address to get started for FREE!

DENTAL - METLIFE

Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, treatment and dental disease. Vendor is changing to Metlife Plan covers 3 cleanings per year with no time limitations Preventive services such as cleanings, x-rays, fluoride through age 18 and sealants through age 14 are covered at 100% on both plans Dental high plan covers ortho for children up to age 19 at $1,000 per child. NEW! - Dental High Plan now includes coverage for TMJ appliances.

High Plan Low Plan

VISION - METLIFE

Vision insurance provides coverage for routine eye examinations and may cover all

• r part of the costs associated with contact

lenses, eyeglasses and vision correct, depending on the plan. Carrier will be changing to Metlife but still uses the VSP Network! Retail shops such as Costco, Walmart and Sam’s Club are all eligible to be used under this Metlife Plan Eye exams are covered after a $20 copay every 12 months Frames are covered at a $150 allowance after a $20 copay every 24 months; lenses are covered every 12 months (includes single lined, lined bifocal, lined trifocal and lenticular) Contact lenses are covered at a $150 allowance after a $20 copay every 12 months

Vision cards will be issued!

• Carrier will be changing to

The Hartford

• You will now have an option

to elect 70% of your monthly salary!

• Your policy limits the

benefits you can receive for a disability caused by a pre- existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, benefits are excluded, unless: You have been insured under this policy for 12 months before your disability begins.

The waiting periods for disability are shown below, the 0/7, 14/14 and 30/30 plans all have a first day hospital waiver meaning if you are confined to a hospital for 24 hours or more the waiting period is waived

DISABILITY

Choose benefit amount Choose waiting period

• Group Life will continue

with the carrier One America

• You are eligible to elect

the Guaranteed Issue amounts even if you did not elect them at open enrollment last year!

• Maximum election

amount is $500,000, must submit Evidence

• f Insurability for any

employee amount over $250,000

Accidental Death and Dismemberment can be elected separately up to $500,000 for employee, $250,000 for spouse and $50,000 for children

Group Life and AD&D

• Permanent Life will be

with a new carrier this year, Chubb

• Maximum election

amount is $250,000 for employee, $125,000 for spouse and $25,000 for children

• Policy has long-term

care and will pay 4% of your death benefit per month if you are unable to perform 2 of the 6 activities of daily living

Permanent Life

CANCER - Guardian

Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benet directly to you to help with expenses associated with cancer treatment.

Plan has an initial diagnosis benefit, radiation therapy chemo benefit, blood, plasma and platelet benefit and much more! Advantage and Premier plan to choose from See guide for all benefits

Critical Illness

Critical illness insurance is designed to supplement your medical and disability coverage easing the financial impacts by covering some of your additional expenses. It provides a benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke.

Carrier will be changing to Metlife and you can elect benefits in increments of $10,000 up to $30,000 Spouse and children can elect up to 100% of your coverage amount Covers cancer, partial cancer, heart attack, stroke, coronary artery bypass, kidney failure, Alzheimer’s, major organ transplant and 22

• ther conditions

Has an annual wellness benefit of $50 per calendar year per covered person Premium is based on issue age and will not increase! Pays upon diagnosis Guaranteed Issue: No medical questions or tests required for coverage.

Accident Plan

Chubb Accident Insurance pays cash benefits directly to you or anyone you choose regardless

• f any other coverage you
• have. Benefits are designed to

cover health plan gaps for out-

• f-pocket expenses like

deductible, copays, and

• coinsurance. Let Chubb

Accident Insurance help take care of your bills so you can take care of yourself and your family.

Pays cash benefits for certain injuries, doctor’s office visits, hospital admissions, urgent care visits, etc. Pays $100 as soon as you report your first claim Sports package increases payouts by 25%, up to $1,000 per person per year for injuries resulting from organized sports Has an annual wellness benefit of $100 per calendar year (per person/once per year)

Hospital Indemnity Plan – The Hartford

Hospital Indemnity insurance pays a cash benefit if you or an insured dependent (spouse or child) are confined in a hospital for a covered illness or injury. The benefits are paid in lump sum amounts to you, and can help offset expenses that primary health insurance doesn’t cover (like deductibles, co-insurance amounts or co- pays), or benefits can be used for any non-medical expenses (like housing costs, groceries, car expenses, etc.).

New plan option! No pre-existing condition clause and childbirth is eligible

LEGAL INSURANCE - TEXAS LEGAL

Legal plans provide valuable benefits that cover the most common legal needs you may encounter - like creating a standard will, living will, healthcare power of attorney or buying a

• home. This plan also provides access to quality

law firms for advice, consultation and representation. Monthly Rates Individual: $12/Family: $16

Included: Identity and Credit Protection 4 Consultations

Rates down 25%

Instructions: Download the App, Login: “Create Account”, Lookup: Enter your Last Name, Date of Birth, and LISD Email Address and click “Next”, Create Account: Create your own Username & Password, Terms of Use: Accept User Agreement, Verify MFA Code you received via Email or Text Message, Home: Welcome to your App Home!. For further assistance, please contact Support at: app-support@ingaged.co.

LISD BENEFITS APP! - Download Today!

Email: BenefitsDept@leanderisd.org

Y o u r B e n e f i t s T e a m

Colleen Corrigan Sr Coordinator, Comp and Benefits 512-570-0113 Wendy Ruen

• Sr. Benefits

Specialist 512-570- 0142 Damiesha Gilliam BCBS Representative 512-570-0137