Open Enrollment Health Blue Cross Blue Shield of Illinois - PowerPoint PPT Presentation

Open Enrollment

Health • Blue Cross Blue Shield of Illinois Insurance Dental • Delta Dental Insurance Vision • Vision Service Plan (VSP) Insurance Flexible • Horace Mann - Payflex Spending Account • VOYA Life Insurance Employee • Perspectives Assistance Program (EAP) Retirement • TransAmerica Planning

Health Insurance

4 plans to choose from HMO of Illinois PPO Plus Blue Choice Select PPO BlueEdge HSA

HMO of Illinois  The HMO plan has the lowest payroll deductions  There are no deductibles only co-payments  Preventive Care covered at 100%  $20 copay per Office or Urgent Care visit  $75 copay per Emergency Room visit, waived if admitted  You must select a Medical Group and Primary Care Physician (PCP) Family members may each select there own Medical Group and/or  Primary Care Physician (PCP)  Women may also select a Women’s Health Care Provider (WCHP)  All services must be provided or referred by a Primary Care Physician (PCP)

3 plans have a deductible, coinsurance, and out-of- pocket limit Blue Choice PPO Plus Select PPO BlueEdge HSA

PPO Plus  Larger Network of Providers  In-Network and Out-of-Network Annual Deductible are combined

Blue Choice Select PPO Smaller network than PPO Plus  In-Network and Out-of-Network Annual Deductibles are not  combined Monthly insurance premiums are less than PPO Plus and HSA  Plan

BlueEdge HSA  Same network as the PPO Plus  In-Network and Out-of-Network Annual Deductibles are not combined  Monthly insurance premiums are less than PPO Plus

Blue Edge HSA Savings Account  District 300 will contribute:  Annually $750 Single/$1,500 Family  Prorated if enrolled after January 15 th  You can contribute money into your own account on a pre-tax basis up to the annual IRS limit  HSA participants will need to open an employee owned HSA bank account with First American Bank to deposit contributions.  Funds may be used to pay:  Plan deductibles, coinsurance, and co-pays  For dental and vision expenses

PPO and HSA Plans  Do not require you to select a Medical Group or Primary Care Physician (PCP)  Preventive Care covered at 100%  $150 Emergency Room copay, then 10% (waived if admitted)  Four Tiers  Single/Individual  Employee + Children  Employee + Spouse  Family

Prescriptions  90 Day Supply (for the cost of two months)  HMO – Mail In and participating retail pharmacy  PPO & HSA - Mail In Only  Mandatory Generic Substitute  HMO – No, but responsible for difference in copays  PPO & HSA - Yes  CVS Pharmacy In-Network  HMO – Yes  PPO & HSA - No

Prescription Costs HMO Blue Choice PPO Plus HSA In-Network PPO $15 $15 Retail- 10% after Generic ($15 + 25% ($15 + 25% $15 34 day deductible Out of Out of supply Network) Network) $30 $30 Retail- 10% after Formulary ($30 + 25% ($30 + 25% $30 34 day deductible Out of Out of supply Network) Network) $50 $50 Retail- Non- ($50 + 25% 10% after Formulary ($50 + 25% $50 34 day Out of deductible Out of supply network) network)

Things to Remember Plan year is January 1 st to December 31 st  Fourth quarter rollover (PPO and Blue Choice PPO)   October – December Active open enrollment is from October 15 – November 15  Wellness Screening Penalty - $20 per month/$240 per year  Special Enrollment – (qualifying event) allow you to make  changes to your plan outside open enrollment. Examples are:  Loss of coverage  Birth or Adoption  Marriage or Divorce

BCBS Programs & Tools  Blue365  Well onTarget  Blue Access for Members (BAM)  Provider Finder  Summary of Benefits (SBC)  Certificate of Coverage

BAM Mobile - BCBSIL

1.800MD Telemedicine  Telemedicine is available via phone or video consultation for PPO and HSA participants at no cost to them  HMO Members are not eligible to participate in this program  Physicians are Board certified and licensed  Prescriptions can be written if warranted  Participants must register and fill out a health history online prior to their consultation  Physicians are able to treat common conditions 24/7/365 which include:

1.800MD - Telemedicine  Sprains/Strains  Allergies  Respiratory Infections  Arthritic Pain  Stomach  Bronchitis Ache/Diarrhea  Certain Rashes  Sore Throat  Cold/Flu Symptoms  Urinary Tract Infection  Ear Infections  Minor Burns  Headaches/Migraine  Sinus Infections  Insect Bites  And many more non-emergency medical conditions

 BCBS In-network provider  First provider in country to offer MRIs for an all-inclusive fee of $600 or less  State-of-the art GE technology  Expertly trained clinical staff  All scans read by subspecialized radiologists from the Cleveland Clinic  Evening & weekend appointments  Illinois locations: Schaumburg, Glenview, Skokie, Chicago, Lombard, Bolingbrook, Oswego, and Vernon Hills If you are a PPO or HSA participant, District 300 will contribute $100 to your HSA, HRA or FSA account for every Smart Choice MRI

Dental Insurance

3 plans to choose from DHMO PPO Premier PPO

Delta Dental

DMO

Vision Insurance

Vision Insurance Plan (VSP)  Contacts  Eye Exam  Copay for exam up to $60  $5 copay  $105 allowance for  Every 12 months contacts (instead of glasses)  Prescription Glasses  Every 12 months  $10 copay  $105 - $125 allowance  Diabetic Eyecare Plus  Every 24 months Program  Lenses  $20 copay  Copay included in  Frequency as needed Prescription Glasses  Ask your VSP doctor for details.  Every 12 months

Flexible Spending Accounts (FSA)

Health Care FSA 2019 Maximum contribution is $2,700  2020 Maximum contribution – To be announced  Funds can be used for:   Medical, dental, and vision deductibles, coinsurance, and/or copays  Glasses, contacts, contact solution, Lasik surgery HSA Participants may also participate in a Limited Health  FSA. Funds may by used on vision and dental expenses only Health FSA Carryover - $500 or less can be carried over to  the following plan year for eligible expenses. A $50 minimum enrollment in the new plan year is required. 90 day run out period – A run out period is the additional  time you have to submit eligible claims after the end of the plan year. The last day to submit claims is March 31 st

Dependent Care FSAs  Maximum contribution of $5000 per year per family.  Dependent care funds can only be reimbursed after funds have accrued in account and accessed by filing a claim reimbursement form.  Dependent Care provider must be declaring income.  90 run out period  Example: You have an eligible claim on November 1, 2019 you have until March 31, 2020 to submit for reimbursement  No carryover from previous plan year.

Life Insurance

Group Life Insurance  Automatically enrolled in a Board Paid Term Life Insurance Policy  Refer to your group agreement for coverage amount  Age Reductions  67% of covered amount at age 65  50% of covered amount at age 70  Accidental Death & Dismemberment and Personal Loss  An additional benefit if you die, lose your hands, feet, or vision as the result of an accident

Supplemental/Voluntary Life Insurance Available to Employees, Spouses and Children To enroll or change your current coverage submit a VOYA Enrollment Form to HR.Benefits@D300.org AND Must complete a Statement of Health if enrolling in new coverage OR if you enroll increase your current coverage

Rapid Identity

Employee Benefits Resource Center

Employee Assistance Program (EAP)

Employee Assistance Program  Provides Short Term Counseling  Further treatment referred to network providers  Available 24/7  Call 800-456-6327  If emergency, immediately connected with a counselor  Legal and Financial help

Retirement Planning

TRANSAMERICA  Eligibility  All employees are eligible to enroll in this plan on their date of hire  You can enroll in a retirement plan at anytime  Create an account with Transamerica and select your contribution amount  Types  403(b) – Pre-tax contribution  Roth – After-tax contribution  Contributions  Minimum Deferral Amount  1% of pay  Maximum Deferral Amount:  2019 limit is $19,000  Catch Up Contributions (age 50+) limit is $6,000

D300 Wellness Program Wellness Screenings Step 1: Log into screening portal nm.chcw.com and enter 4123Com143 in the “ New Participants ” tab Step 2: Select your screening option: 1. Onsite through Northwestern Medicine 2. Offsite through Northwestern Medicine 3. Your Physician a. CHC Wellbeing Physician Form - Penalty waived and earn wellness points b. Premium Discount Only – Physician Screening Form - Penalty waived, no wellness points earned Step 3: Complete the Health & Lifestyle Survey if participating through Northwestern Medicine

D300 Wellness Program Information on the Wellness Program may be found on Haiku > D300 Operations Portal > Wellness Program

D300 Wellness Program

D300 Wellness Program

D300 Wellness Program