EMPLOYEE BENEFITS

PPO Plan, EPO Plan, QHDHP/HSA MEDICAL COVERAGE Claims are paid by funds contributed by the District, its employees, and retirees. PPO Plan, EPO Plan, QHDHP/HSA

SELF FUNDED Hometown Health (HTH) – Processes the Claims Hometown Health Network – Preferred Provider Panel website is located in the Question/Answers & Highlights Handout Preferred Provider Hospitals – Renown Medical Center, Renown South Meadows, Carson Tahoe Regional Medical Center & Northern Nevada Medical Center

Preferred Provider Organization Plan (PPO) District covers employee’s premium No referral required on file for specialist office visits Comprehensive Major Medical Plan

PPO PLAN Deductibles Preferred Provider: - $500 per employee - $1,000 per family Non-Preferred Provider: $1,500 per employee $3,000 per family

Non-Preferred Provider: PPO PLAN Eligible Expenses Preferred Provider: After deductible has been met, eligible expenses covered at 80% Non-Preferred Provider: After deductible has been met, in most cases eligible expenses covered at 60% for usual and customary costs

Non-Preferred Provider: PPO PLAN Annual Out-of-Pocket Maximums Preferred Provider: $3,500 per employee $7,000 per family Non-Preferred Provider: $7,500 per employee $15,000 per family

PPO PLAN Office Visit Co-payments for Preferred Providers Primary Care Physician - $35 Specialists / Urgent Care- $50 No deductible & No Claim Forms

Exclusive Provider Organization Plan (EPO) Employee pays a portion of the full premium* Must reside in the Northern Nevada or North Lake Tahoe service area Referral required for specialist or no coverage No referral required for annual Gynecologist exam or Chiropractic services * Check schedule of premiums in the Questions/Answers and Highlights

EPO PLAN No deductible No claim forms Make Co-payments

EPO PLAN Co- Payments for Service Listed $35 Physician Visits/Lab and X-ray $50 Specialist/ Urgent Care Visits $200 Emergency Services; $300 Non-Emergency $200 Outpatient Surgery Facility $1,250 Inpatient Hospital

Qualified High Deductible Health Plan Health Savings Account (QHDHP/HSA) Used in conjunction with Health Savings Account (HSA) You pay 100% of medical and prescription drugs until Deductible is met, and then you share only a portion of the cost You pay nothing once the Out-of-Pocket max is met (Preferred Providers)

CALENDAR YEAR DEDUCTIBLE Individual Deductible: $2,700 QHDHP/HSA CALENDAR YEAR DEDUCTIBLE Individual Deductible: $2,700 Family Deductible: $5,000

Preferred Provider: Non-Preferred Provider: QHDHP/HSA Eligible Expenses Preferred Provider: Non-Preferred Provider: After deductible has been met, After deductible has been met, in most eligible expenses covered at 80% cases eligible expenses covered at 60% for usual and customary costs

Annual Out-of-Pocket Maximums QHDHP/HSA Annual Out-of-Pocket Maximums Preferred Provider: Non-Preferred Provider: -$6,550 per employee - $6,550 per employee - $13,100 per family - $ 13,100 per family

QHDHP/HSA District will fund a portion of the Employee’s HSA 2019 Annual contribution is $1,805 District contributions made two times a year of $902.50; once in the beginning of the year and once in the middle of the year. The amount that the District funds will be determined by your insurance eligibility effective date. There are no “Use It or Lose It“ requirements - You own it! Most out-of-pocket expenses can be paid with the HSA. (Check IRS guidelines.)

QHDHP/HSA Not Eligible If: Enrolled in a secondary health insurance that is non-HSA eligible, including a general purpose Health Flexible Spending Account (FSA) or a Health Reimbursement Account (HRA) Enrolled in Medicare, Tricare, or other insurance, such as a spouse’s employer plan Claimed as a dependent on someone else's tax return Other exclusions may apply

How much can I contribute? QHDHP/HSA How much can I contribute? HSA Annual Contribution Limits (Set by the IRS) Single: $3,450 Family: $6,900 HSA Catch-Up Contribution $1,000 per individual age 55 and over

DENTAL PLAN The Preferred Provider Dental Network is Guardian Deductibles: -$50 per employee - $100 per family Calendar Year Benefit maximum - $2,000 Children under age 19 have unlimited calendar year benefits No orthodontia coverage

DENTAL PLAN If using Preferred Provider Network Dentist: Preventive: 100% - No Deductible Restorative: 80% Major: 80%

Vision Service Plan (VSP) VISION PLAN Vision Service Plan (VSP) Premiums paid by District Dependents covered at no additional expense even if they are not enrolled on your medical coverage Eye exam once every 12 months $10 co-payment per eye exam Lenses/Frames or contacts once every 24 months

PREMIUMS Schedule of premiums are located in the Questions/Answer and Highlights packet Please review the rates in the PPO,EPO, and QHDHP plans as there could be a difference in cost to the employee Part-Time Certified – Premiums Prorated based on FTE Certified – Monthly Classified (12 Month) – Bi-Weekly Classified (9/10/11 Month) – 18 Bi-Weekly

LIFE INSURANCE District-Paid Term Life and AD&D Certified/Classified - $40,000 Confidential - $50,000 Admin / Pro-tech’s / Psychologist - $250,000

Premium Conversion Plan SECTION 125 PROGRAM Premium Conversion Plan Allows dependent medical/health and cancer insurance premiums to be paid on a pretax basis If on the QHDHP, you cannot have a general purpose FSA (Flexible Spending Account) in the household, however, you may have a Limited Purpose Health FSA for dental and vision.

Flexible Spending Accounts SECTION 125 PROGRAM Flexible Spending Accounts Debit Card available Dependent Day Care $5,000 per year Children under 13 Non-Reimbursed Medical Expenses - $2,550 per year - deductibles, co-payments, and orthodontia

SECTION 125 PROGRAM Example: Salary: $2,000 Insurance Premiums: $200 Taxable Salary: $1,800 25% Tax Bracket: $450 instead of $500 $1,800 x 25% = $450 $2,000 x 25% =$500 Extra $50 in Take-Home Pay

DOCTOR ON DEMAND Board Certified Doctors 365 Days A Year – 24 Hours a Day Connect instantly from phone, tablet, or computer Treat variety of health conditions, order lab work and prescriptions, get prescription refills PPO/EPO members: $24.50 per visit HDHP members: $49.00 per visit until deductible is met

GRAND ROUNDS Second opinions from World-Leading Experts Offers medical advice, assistance, and support to ensure employees and their families receive the best possible medical care Learn about a diagnosis, condition, or treatment plan Free to all employees and dependents who are currently enrolled in a WCSD Health Plan No copay, deductible, or coinsurance Can be accessed by phone or online

VOLUNTARY BENEFITS Group Legal Supplemental Life Insurance Disability Insurance Long-Term Care Cancer Insurance Accident Benefit Insurance

WELLNESS PROGRAM To promote and improve employee wellness and reduce health risks through education and wellness activities, goal setting and outreach events.

YOU AN OWNER’S MANUAL WELLNESS PROGRAM 2018 - 2019

HEALTH MANAGEMENT Healthy Tracks Online Health Management Tools Health Insurance Premium Discount Opportunity

HEALTHY TRACKS WELLNESS PROGRAM HealthyTracks@hometownhealth.com 775-982-6644 https:www.myhealthytracks.com

ComPsych GuidanceResources Confidential consultation on personal issues Legal information and resources Information, referrals and resources for work-life needs Financial information, resources and tools Tobacco cessation Online information, resources and tools

Thank You for Attending Your single source for confidential support, expert information and valuable resources, when you need it the most. Available 24 hours a day, 7 days a week Call: 855.401.WCSD (9273) TDD: 800.697.0353 Online: guidanceresources.com Your company web ID: WCSDEAP

IMPORTANT! 90 days to complete forms and add dependents It is your responsibility to enroll within the required time frame Risk Management Office 425 East Ninth Street Reno, NV 89512 (775) 348-0343 riskmanagment@washoeschools.net