2017 Annual Enrollment Employee Benefits Title Slide 1b - Sneak peek at an alternate accent color July 1, 2017 through JUNE 30, 2018

2017 Willcox Unified School District Employee Benefits What to Know

Benefit Eligibility Active full time employee working 30 or more hours per week. Effective date of coverage is 1st of the month following date of hire. Employees have 30 days from their date of hire to enroll or decline benefits. If you do not elect when first eligible you will need to wait until the next open enrollment period to enroll or make any changes. Employees will have 30 days from a mid-year qualifying event to enroll in coverage or make any changes. Examples of mid- year qualifying events: Marriage Divorce / Legal Separation Birth / Adoption / Change in Legal Guardianship Enrollment in a Marketplace during the special open enrollment period held November - January

2017-2018 Highlights MEDICAL: Coverage provided through Kairos (formerly called APEHP same networks) utilizing the BCBS network. Employees will have the below 4 plan options: Core Plan $500 PPO Copay Plan $750 PPO HDHP $1,500 Deductible HDHP $2,500 Deductible HDHP $5,000 Deductible Those electing a HDHP will have a Health Savings Account through Health Equity and the employer will contribute monthly to your account. The amount contributed is based on the plan elected. Employee Assistance Program (EAP): provided by the District through Kairos with current carrier – EAP Preferred Flexible Spending Account (FSA): will no longer be offered as of 7/1/17

2017 Highlights Vision Insurance: Available through Avesis Dental Insurance: 2 plans to choose from PPO Dental plan through Delta Dental Prepaid Dental through Employers Dental Service (EDS): The District will pay for 100% of the “employee only” cost for the Employers Dental Service Prepaid plan. Life Insurance: The District provides Life/AD&D at 1 x your salary up to $80,000. Option to purchase additional Life coverage through convenient payroll deductions! Guarantee Issue available only during your initial eligibility. Individual Voluntary Benefits - AFLAC

Willcox Employee Benefit Website To access the Website: 1. Go to www.bagnall.us 2. Click the “Benefits Login” button 3. Enter the following password in all lowercase letters: willcox

Intent: Provide any additional info relevant to current prospect. MEDICAL

Medical Definitions Copayment: The fixed dollar amount you must pay directly to a physician at the time certain covered services, such as prescription drugs or office visits, are received. Deductible: The fixed dollar amount you must pay for covered services each July 1 – June 30 before the insurance company begins to pay benefits. Coinsurance: Sharing, between yourself and the insurance company, of the cost of covered services. Out-of-Pocket Maximum: The maximum dollar amount you have to pay under the terms of the insurance company’s contract in a July 1 – June 30 for covered services.

Medical – HSA-HDHP Plans

Medical – HSA-HDHP Plans

Medical – HSA-HDHP Pharmacy

PPO Medical Plan Options

PPO Medical Plan Options

PPO Medical Plan Options Prescription Coverage

What does an HSA handle VS. Medical Plan if I enroll in the HDHP? HSA-HDHP Two Components THE INSURANCE PIECE Access to a network of Blue Cross Blue Shield contracted providers Customer service THE HEALTH SAVINGS ACCOUNT PIECE Investment options Rolls over from one year to the next Provides the debit card Kairos Medical Plan $ Deductible Bank Account HealthEquity

HSA “How To” – Doctor Visits Participant goes to the doctor Participant should not have to pay at time of service. * Physician/facility sends Kairos the bill Kairos adjusts price based on discounts and processes the claim Physician/facility sends bill to participant Participant pays the physician/facility with HSA debit card * Some facilities may require a small payment at time of service.

HSA “How To” – Pharmacy Prescriptions Participant goes to the pharmacy Participant shows ID card Pharmacy applies discount Participant pays with HSA debit card Pharmacy sends claim to Kairos Kairos applies amount of the Rx to the participant’s deductible – no paper work required

Who is Eligible for the Health Savings Account? You must be covered under one of the three HSA-HDHP plans Not enrolled for benefits under Medicare Do Not have an Active or Open FSA Not covered as a dependent under another person’s tax return (other than your spouse) How Much can I contribute in 2017? Single $ 3,400 less contributions made by District Family $ 6,750 less contributions made by District Age 55 < Medicare? $1,000 Catch-up

Why Enroll in the HSA-HDHP $3,000? Pre-Tax contributions via payroll deduction and tax free distributions for eligible expenses. Lower premiums offer an affordable cost option to cover dependents District HSA contributions: $1,500 HDHP - $0 per month; $2,500 HDHP - $43.99 per month; and $5,000 - $105.86 per month Once enrolled, you will receive a debit card to pull money that is in your savings account to pay for qualified medical expenses You own the savings account and the money stays with you The balance rolls over from one year to the next (no use-it-or-lose-it rule) Long-term savings for healthcare expenses after retirement Use money in the savings account to cover the cost of eligible expenses for your dependents even if they are not enrolled under your medical insurance!!!

What to think about under an HSA-HDHP I must meet the Deductible for ALL Services Medical – Physician Office Visits, Inpatient Hospital and Surgery Pharmacy Urgent Care & Emergency Room Am I a Saver? High utilizer? Risk accepter? Low utilizer? CANNOT have an Open or Active FSA or be Medicare Eligible Dependent Child covered to age 19 / 24 FTUS

Intent: Provide any additional info relevant to current prospect. Vision

Vision - Avesis

Intent: Provide any additional info relevant to current prospect. Dental

Dental – Prepaid EDS Lower cost alternative to the Dental PPO options Must use a Dentist within the EDS Dental Network No annual maximum

Dental – PPO Delta Dental

Intent: Provide any additional info relevant to current prospect. Life Insurance

Life/AD&D Insurance To cover your dependents you must first purchase coverage for yourself. If you declined coverage when first eligible you will need to complete a medical form and possibly be subject to blood/urine and other requested testing before being approved for coverage

Voluntary Life/AD&D Insurance To cover your dependents you must first purchase coverage for yourself. If you declined coverage when first eligible you will need to complete a medical form and possibly be subject to blood/urine and other requested testing before being approved for coverage

Intent: Provide any additional info relevant to current prospect. Individual Insurance

Individual Voluntary Benefits AFLAC offers benefits for you to meet your individual needs. Accident Short-Term Disability Hospital

Employee Assistance Program (EAP) - Kairos 100% Confidential Toll Free 800-327-3517 Website www.eappreferred.com Dependents and partners residing in the employee’s household are covered. The EAP is available at no cost to the employee or family member and is completely confidential. Anger management Legal and financial issues Grief and bereavement Stress management Substance abuse Marital difficulties Communication skills Managing depression and anxiety Child and elder care resources Parenting support

Intent: Provide any additional info relevant to current prospect. Next Steps

All employees waiving coverage must complete enrollment forms for ALL coverages declining benefits. ALL employees must complete a NEW HSA Contribution form. Benefits Begin JULY 1, 2017 Annual Enrollment begins: Meetings April 26th and 27th, 2017 Enrollment May 1st through MAY 11th, 2017 Deadline to enroll for coverages is MAY 11, 2017 !

Thank You! The information described in these materials is only intended to be a summary of your benefits. It does not describe or include all benefit provisions, limitations, exclusions, or qualifications for coverage. Please review your insurance contract and/or summary plan description for a complete explanation of your benefits. If this summary conflicts in any way with the insurance contract or summary plan description, contract provisions will prevail. Questions: Please call your Human Resources & Benefits Department Or your Benefits Consultant, Gallagher Benefits Services. Ben Palumbo, Account Executive Direct: 480-428-5569 Ben_Palumbo@ajg.com Lisa Moore, Marketing Analyst Direct: 480-428-5540 lmoore@Bagnall.us Gallagher Benefit Services, Inc. 480-893-6510 Main 480-893-6137 Fax