Employee Benefits 2017

Transcription

1 Employee Benefits 2017

2 2017 Core Benefits (No Changes in Cost or Plan Design) Four medical plans will be offered through Florida Blue. 2 PPO Blue Choice Plans PPO Blue Options Low Cost - Co-Pay Plan PPO Blue Options High Deductible Health Plan/Health Savings Account (HSA) Plan Health Savings Account: HSA Bank There will be a monthly service fee of $1.75 to manage your account. Waived once a member has $3,000 or more. Flexible Spending and Dependent Care Spending Account

3 2017 Core Benefits Dental Dental Carrier - Delta Dental We will continue to offer two dental plans: High Option Low Option Vision - Humana No Changes

4 2017 Core Benefits Group Life Met Life $50,000 Term Life and AD&D Supplemental Term Life Met Life Employee Spouse Dependent Children

5 2017 Worksite Benefits Group Voluntary Benefits - Allstate Group Accident Group Critical Illness (Rate Reduction) Group Cancer Group Indemnity : HSA Compatible

6 Medical Benefits Overview

7 Blue Choice Comparison Blue Choice 317 Blue Choice 117 Deductible $500/ $1,500 $500/ $1,500 Coinsurance 80% / 20% 80% / 20% Out of Pocket $2,000 / $6,000 $2,000 / $6,000 (OOP does not include deductible or co-payments) Per Adm. DED N/A $200 ER Per Adm. DED N/A $50

8 Blue Choice Comparison Blue Choice 317 Blue Choice 117 Family Copay $20 Copay Ded + Coinsurance Specialist Copay Ded + Coinsurance Ded + Coinsurance Inpatient Hospital Ded + Coinsurance $200 PAD+Ded+20% Ambulatory Surg. Ded + Coinsurance Ded + Coinsurance *** Ded (Deductible) PAD (Per Admission Deductible)

9 Blue Choice Comparison Blue Choice 317 Blue Choice 117 Emergency Room Ded + Coinsurance $50 PAD + Ded + 20% Urgent Care $20 Co-pay Ded + Coinsurance Advanced Imaging Ded + Coinsurance Ded + Coinsurance Diagnostic Lab 20% Coinsurance Ded + Coinsurance Diagnostic Xray Ded + Coinsurance Ded + Coinsurance

10 Blue Choice Comparison Blue Choice 317 and Blue Choice 117 Pharmacy Retail: Up to a 31 day supply Deductible + Coinsurance Mail Order: 93 day supply (No Deductible) Generics: Brands: $14 Copay $28 Copay

11 Blue Choice Comparison WELLNESS Plan 317 Mammograms: 100% Colonoscopies: Deductible and Coinsurance apply All other covered wellness: $20 Copay for Family physicians Ded. and Coinsurance for Specialist Plan 117 Mammograms: 100% Colonoscopies: Deductible and Coinsurance apply All other covered wellness: Not Covered

12 Blue Options Plans HDHP/HSA PPO Low Cost 05192/ Deductible $2,500/ $5,0oo $2,ooo Per Person Coinsurance 80% / 20% 70% / 30% Out of Pocket $5,800 / $11,600 $6,350 / $12,700 (OOP includes all deductibles, co-payments and co-insurance)

13 Blue Options Plans HDHP/HSA PPO Low Cost 05192/ Office Visits Family Phys. Ded + Coinsurance $35 Copay Specialist Ded + Coinsurance $50 Copay Inpatient Hospital Ded +Coinsurance $1,5oo Copay Ambulatory Surg. Ded +Coinsurance Ded+Coinsurance Outpatient Hosp. Ded +Coinsurance $300 Copay

14 Blue Options Plans HDHP/HSA PPO Low Cost 05192/ Emergency Room Ded+ Coinsurance $200 Copay Urgent Care Ded+Coinsurance $60 Copay Advanced Imaging Ded+ Coinsurance $200 Copay Diagnostic Lab Deductible $0 Quest Diagnostic Xray Ded+ Coinsurance Ded + Coinsurance

15 Blue Options Plans HDHP/HSA PPO Low Cost 05192/ Generic: $10 Copay $10 Copay Preferred Brand: $30 Copay 20% of Select Brand ** NP Brand: $50 Copay Not Covered Mail Order( 90 day Supply) *Prime Mail Generic: $25 Copay $25 Copay Preferred Brand: $75 Copay 20% of Select Brand ** NP Brand: $125 Copay Not Covered **** HDHP (05192/05193) Calendar Year Deductible must be met before co-payments are allowed. ** 20% of the allowance for Select Brand or $50 whichever is greater. Mail order 20% or $125 whichever is greater

16 Blue Options Wellness 100% No Copays!!! No Deductibles!!!!

17 Health Savings Account/ HSA (1) Health Insurance Plan Insurance begins paying after the annual deductible has been met. High Deductible Health : $2,500 single $5,000 Family Out of Pocket Maximum: $5,800 single $11,600 family (No one member to exceed $6,850) (2) Health Savings Account Contributions can be made by the employer, employee, or both into a bank account to pay for qualified medical expenses HSA Contribution Limits Individual: $3,400 Family : $6,750 School Board contributions will be made monthly for members who enroll as employee only. Administrative, Instructional & Licensed $ Support, Recreational Spec. & Confidential $

18 Triple tax advantages TAX-FREE CONTRIBUTIONS TO YOUR HSA 1 TAX-FREE PAYMENTS FROM YOUR HSA FOR QUALIFIED MEDICAL EXPENSES TAX-FREE EARNINGS FROM INTEREST AND INVESTMENTS 2 IN YOUR HSA WITH NO CAPITAL GAINS TAX HSA funds 6 belong to the member

19 Voluntary Benefits

20 Delta Dental Dual Option Premier Network High Option $1500 Max Per Person 100% Preventative 80% Basic 50% Major $500 Ortho Max for all members Low Option $1000 Max Per Person 80% Preventative 60% Basic 60% Oral Surgery Both Plans have a $50 per person deductible up to $150 with the deductible waived for Preventative services

21 Humana Vision Exams: Once every 12-months Lenses and frames: Once every 12-month Contact lenses up to $105; this is in lieu of lenses. Exam Copay $10 Materials Copay $15

22 Met Life Voluntary Benefits Employee: $10K-$150K Spouse: $20K not to exceed 50% of employees coverage amount. (Statement of health required if you did not elect previously) Dependent Children: 10K

23 Met Life Value Added Benefits Employee Assistance Program. (EAP) 3 Consultations per incident, per individual, per year Toll free support 24 hours a day, 7 days a week No payment for services Travel Assistance and Identity Theft solutions You require medical assistance while traveling You loose documents, credit cards or luggage You are a victim of Identity Theft No payment for services Will Preparation and Estate Planning

24 The Standard LTD Long Term Disability The Standard 60 % of income up to $5000 a month Guarantee Issue for all New Hires Two benefit waiting periods available. 90 and 180 days. 24-month own occupation or SSNR if totally disabled

25 Financial protection against expenses due to accidental injury Over 30 benefits payable for accident treatment and services Unlimited number of accidents, off the job only Plan is portable at same benefit amounts and rates No pre-existing condition exclusions

26 The Allstate Group Voluntary Critical Illness plan pays a lump sum benefit when you are diagnosed with a covered illness. $10,000 lump sum benefit Plan pays twice per event (as long as first and second diagnosis are separated by 12 months) Rates do not increase as you age; Benefit never reduces Plan is portable Group Critical Illness

27 Immediate Value - Wellness Benefit: The Allstate Cancer Plan includes a wellness incentive benefit so that the plan can be used each and every year regardless of sickness: $50 Group Cancer Plan Features Pays per year per insured for covered tests No waiting period No documentation needed Express Wellness Claims Process Allows Benefit to be Paid within 48 Hours Confidential and proprietary information 2013 Healogics, Inc. All Rights Reserved

28 Group Indemnity Medical The Allstate Group Indemnity Medical plan pays a benefit when you are hospitalized. No Pre-existing condition exclusions No Wait for Any Benefits to include Pregnancy

29 2017 Employee Cost

30 Employee Medical Premiums Blue Choice Blue Choice Admin. Instr. Support Spec. Admin. Instr. Support Spec. Pay frequency: monthly semi semi monthly semi semi EE Only $58.90 $29.45 $14.87 $58.90 $29.45 $14.87 EE + Spouse $ $ $ $ $ $ EE + Child(ren) $ $ $ $ $ $ EE + Family $ $ $ $ $ $638.08

31 Employee Medical Premiums HDHP/HSA Blue Options 5192/ Admin. Instr. Support Spec. Admin. Instr. Support Spec. Pay frequency: monthly semi semi monthly semi semi EE Only $0.00 $0.00 $0.00 $ 0.00 $0.00 $0.00 EE + Spouse $ $ $ $ $ $ EE + Child(ren) $ $77.28 $62.70 $60.39 $30.20 $15.62 EE + Family $ $ $ $ $ $333.97

32 Employee Dental Premiums Delta Dental High Option Low Option Admin. Instr. Support Spec. Admin. Instr. Support Spec. Pay frequency: monthly semi semi monthly semi semi EE Only $27.44 $13.72 $13.72 $11.84 $5.92 $5.92 EE + Spouse $47.54 $23.77 $23.77 $20.51 $10.26 $10.26 EE + Child(ren) $47.36 $23.68 $23.68 $20.43 $10.22 $10.22 EE + Family $73.24 $36.62 $36.62 $31.62 $15.81 $15.81.

33 Employee Vision Premiums Humana Monthly Rate EE Only: $5.62 EE + Spouse: $11.25 EE + Child(ren): $14.06 EE + Family: $19.70

34 Open Enrollment Enrollment: We recommend that you review and reaffirm your benefit elections. Dates for Open Enrollment: November 1-22 How to Enroll: Enroll on-line using On Line Benefits. You will be able to review your existing coverage elections and make your desired changes for the 2017 plan year. Access is available 24/7 during the enrollment period. Access is obtained through the District website at

35 Questions

36 Contacts Kelly Berry ; Mike Carraway ; Kaylor Timmons ;