Benefits Presentation Insurance Services Benefits Presentation

Workers’ Compensation What If I Get Injured At Work Immediately Report the injury to your supervisor Contact Insurance Services at 328-4280 to file a First Report of Injury

Benefits Without District Insurance Happy Lights Available in the fall and winter months – check with your Site Wellness Representative   Employee Assistance Program (EAP) An opportunity to discuss any issues, concerns, or problems. The District pays for one session per year Call Center for Effective Living at 288-5675 Employee Discounts Found on the district intranet for a wide variety of businesses and events in the area Flexible Spending Account (FSA) You can have pre-tax dollars deducted from your paycheck to pay for health and/or dependent care expenses AFLAC Call the AFLAC agent at 507-289-0400

Flexible Spending Account All District employees are eligible to participate Maximum amounts per year: Health/Dental/RX Expenses - $2,496.00 per individual Up to $500 can be carried over Dependent Care Expenses - $4,992.00 per family ($2,496.00 if married filing separately) Any amounts remaining will be forfeited

Age 26 limit for dependent coverage Dental Plan – Age 26 limit for dependent coverage Coverage Calendar year maximum - $1,200.00 per person $25.00 deductible per person 1st Visit of coverage year paid at 100% - Charges will be included in your calendar year maximum Includes bitewing x-rays, fluoride treatment, cleanings, oral evaluation/exam 2nd Visit of coverage year paid at 80% Major Services 50% after deductible – crowns, bridges, implants, root canals, etc. Orthodontia Benefit (Separate) Paid at 50% after waiting periods met Maximums apply depending on age

Age 26 limit for dependent coverage Health Plan – Age 26 limit for dependent coverage There are two health plans: Copay Plan High Deductible Health Plan (HDHP) with Health Reimbursement Arrangement (HRA) Benefit coverage is the calendar year Deductible carry-over applies to both plans

Health Reimbursement Arrangement – HRA Administered by Mid America For employees who elect to participate in the HDHP (with District Contributions) District will make an annual contribution Single coverage -- $750 Family coverage -- $1500 Must be enrolled in the HDHP as of January 1 of each calendar year Contributions for new hires are not prorated

Deductibles/Out of Pocket Maximums   CO-Pay Plan HDHP with HRA Deductibles $500.00 per person $1,500.00 per family $1,500.00 per person $3,000.00 per family Out of Pocket Maximums $3,000.00 per person $6,000.00 per family $4,000.00 per person $8,000.00 per family     

Monthly Insurance Premiums - Teachers   Health CO-Pay Plan HDHP with HRA Single $58.00 Employee Cost $756.00 District Cost $0 Employee Cost $677.00 District Cost Family (Employee + Dependent Coverage) $367.54 Employee Cost $1,286.46 District Cost $76.54 Employee Cost     

Monthly Insurance Premiums – Other Staff   Health CO-Pay Plan HDHP with HRA Single $97.00 Employee Cost $717.00 District Cost $0 Employee Cost $677.00 District Cost Family (Employee + Dependent Coverage) $428.80 Employee Cost $1,225.20 District Cost $137.80 Employee Cost     

Monthly Insurance Premiums - Dental        Dental – All Staff Single $0 Employee Cost $41.00 District Cost Family (Employee + Dependent Coverage) $101.00 District Cost

Health Plans CO-Pay Plan HDHP w/HRA Office Visits for Illness/Injury   Health Plans CO-Pay Plan HDHP w/HRA Office Visits for Illness/Injury Preventive Care (routine physical, Dr on demand, hearing, vision, cancer screening, immunizations and well child) Mental Health/Substance Abuse Investigative & Experimental Emergency Room Ambulance Diagnostic lab/X-ray Prenatal Delivery Chiropractic - 20 visits per year $30 copay, then 80% 100%  $1,000 deductible per year, then 80% $50 copay, 80% after deductible 80% after deductible Same as Co-Pay Plan  80% after deductible     

Prescription Drugs (RX)  CO-Pay Plan  HDHP with HRA Generic Formulary Formulary Brand Non-Formulary Brand Specialty Pharmacy RX Out-of-Pocket Maximum (OOP)   $12 copay $30 copay $55 copay $60 copay $1,500 per person $3,000 per family     

Other Benefits with District Insurance      Fitness Program Pays up to $20.00 per month towards your fitness center dues – if you work out at least 12 days a month Per IRS rules, this is a taxable benefit & will be reported on your W-2   Vision Products Employee Only – Lenses and contacts paid at 50% up to $150.00

Coordination of Benefits RPS will be YOUR primary insurance Spousal Surcharge May Apply (if spouse declines his/her employer’s insurance) Health Co-Pay Plan – Surcharge = $840.00 per month HDHP – Surcharge = $686.00 per month Dental Plan – Surcharge = $60.00 per month     

Life Insurance Calculation Coverage & premium determined by employment contract Cost = 11¢ per $1,000 units of coverage Value of plan divide by $1,000 units x .11 = total monthly premium Total monthly premium divide by 2 = employee monthly cost Example: $40,000.00 (value of plan) = $2.20 per month $75,000.00 (value of plan) = $4.13 per month $100,000.00 (value of plan) = $5.50 per month After 30 days from your hire date: You will be required to complete an additional form Coverage is at the discretion of Madison National Life     

LTD Insurance Basic Long Term Disability – Pays 66 2/3% of salary, after a 90 calendar day wait period Cost = 27¢ per $100 units of salary Salary divided by $100 = number of units Units x .27 = yearly premium divided by 12 = monthly premium Total monthly premium divided by 2 = employee monthly cost Example: $30,000.00 = $3.38 per month $45,000.00 = $5.06 per month $75,000.00 = $8.44 per month Coverage & premium determined by employment contract Supplemental Disability – Pays 85% of your salary, after a 90 calendar day wait period - employee pays 100% of cost Cost = 21¢ per $100 plus the cost of basic LTD After 30 days from your hire date: You will be required to complete an additional form – Coverage at discretion of Madison National Life     

Notes      HIPAA Privacy Requires written authorization to release information Release of Information (ROI) If you wish to have your (or dependents age 18 & over) medical, dental, and/or flexible spending information disclosed to anyone for any purpose, we need you to complete the ROI form.