2018 Benefit meetings Sturgeon Bay School District

Agenda Open Enrollment Medical Insurance Dental Insurance Voluntary Vision Insurance Voluntary Accident & Critical Illness Next Steps/Questions/Answers

2018 Open Enrollment Open Enrollment is: May 2nd through May 31st Employees/Dependents may enroll or make changes to their insurance elections during open enrollment period. All eligible employee’s are required to complete a 2018/2019 enrollment form. Change Forms must be turned in to the business office by May 31st Late enrollments will not be accepted without a qualifying event. Insurance changes will go into effect 7/1/2018

Benefit highlights Network Health medical benefits No plan design changes for 2018 slight increase in premium New ID Cards will be sent Delta Dental benefits will remain the same with a slight increase to premium No change to Voluntary Vision benefits No change to Voluntary Accident and Critical Illness benefit

Select Services Covered in Full Base Plan - $2000/$4000 HMO Network Health In-Network Out of Network Deductible Split Deductible HRA Single: $2,000 Family: $4,000 First $1,000 Employee Pays Second $1,000 HRA Pays (Maximum 2 per family) n/a Coinsurance 0% Out-of-Pocket Maximum (Medical Deductible & Coinsurance) Office Visits Primary Care Physician: Specialty Care Physician: MDLive: $0 copay $20 copay $50 copay Not Covered Routine/Preventive Care Select Services Covered in Full Urgent Care – Door County Medical Center Emergency Room $200 copay ACA Out-of-Pocket Maximum (Medical Deductible, Coinsurance, Medical Copays, & Rx Copays) Single: $6,850 Family: $13,700 Hospital Services Retail Prescription Coverage $20/ $40 / $60 / $60

Buy Up Plan - $1000/$2000 POS Network Health In-Network Out of Network Deductible HRA Out of Network Deductible: Single: $1,000 Family: $2,000 Single: $1,500 Family: $3,000 First $500 Employee pays Second $1000 HRA pays (Maximum 2 per family) Coinsurance 0% 20% Out-of-Pocket Maximum (Medical Deductible & Coinsurance) Single: $2,750 Family: $5,500 Office Visits Primary Care Physician: Specialty Care Physician: MDLive: $0 copay $20 copay $50 copay MDLive: $0 copay Deductible & Coinsurance Routine/Preventive Care Select Services Covered in Full Urgent Care – Door County Medical Center Emergency Room $200 copay ACA Out-of-Pocket Maximum (Medical Deductible, Coinsurance, Medical Copays, & Rx Copays) Single: $6,850 Family: $13,700 n/a Hospital Services Deductible & Coinsurance Retail Prescription Coverage $20/ $40 / $60 / $60

Buy Down Plan - $2000/$4000 HDHP HMO Network Health In-Network Out of Network Deductible (Non-Embedded) District H.S.A. Contribution Single: $2,000 Family: $4,000 $350 Single / $700 Family n/a Coinsurance 0% Out-of-Pocket Maximum (Medical Deductible & Coinsurance) Office Visits Primary Care Physician: Specialty Care Physician: MDLive: $41 fee Deductible MDLive: $41 fee Not Covered Routine/Preventive Care Select Services Covered in Full Urgent Care Emergency Room In-Network Deductible ACA Out-of-Pocket Maximum (Medical Deductible, Coinsurance, Medical Copays, & Rx Copays) Hospital Services Retail Prescription Coverage Deductible & Coinsurance

Buy Down Plan - $3000/$4000 HDHP HMO Network Health In-Network Out of Network Deductible (Embedded) District H.S.A. Contribution Single: $3,000 Family: $6,000 $1,000 Single/$2,000 Family n/a Coinsurance 0% Out-of-Pocket Maximum (Medical Deductible & Coinsurance) Office Visits Primary Care Physician: Specialty Care Physician: MDLive: $41 fee Deductible MDLive: $41 fee Not Covered Routine/Preventive Care Select Services Covered in Full Urgent Care Emergency Room In-Network Deductible ACA Out-of-Pocket Maximum (Medical Deductible, Coinsurance, Medical Copays, & Rx Copays) Hospital Services Retail Prescription Coverage Deductible & Coinsurance

Co-owned by Froedtert Health and Ministry Health Care, a part of Ascension, Network Health is able to offer access to a large network of high-quality providers. Across 22 Wisconsin counties, they have negotiated deep discounts for the benefit of the District. Live & Work in Wisconsin – no across country service calls

Network Health Local Network 1,842 Primary Care Doctors 10,965 Specialists 51 Hospitals Large Network Providers: Affinity Health System Agnesian Health Care Bellin Health Childrens Hospital of Wisconsin Froedtert Physican Partners Holy Family Memorial Prevea Health / HSHS

Resources www.networkhealth.com 1-800-826-0940 My Account MDLIVE Monday, Wednesday-Friday 8 a.m. to 5 p.m. Tuesday 8 a.m. to 4 p.m. My Account View benefit and plan information Review claim history, claim status and EOB’s View your ID card, even on the go Compare prescription costs and specific information about your medications MDLIVE

Resources (continued) MDLive

be a wise consumer ACCESS TO NURSES 24/7 Network Health Nurse Line is offered 24 hours a day, seven days a week for those need-it-right-now situations Help figuring out where to go for care if it’s not an emergency Advise on general health issues Instructions for current or newly prescribed medications Phone number on back of your I.D. card

be a wise consumer Choose the Right Health Care Setting In addition to access to nurses 24/7, knowing where you go for medical services can make a big difference in how much you pay and how long you wait to see a health care provider. VIRTUAL - MDLive - $0 copay or $41 fee for HDHP Walk-in Clinic – Avg. Cost $50-$75 Urgent Care - $200 Copay Clinical Care - $20 Copay PCP or $50 Copay Specialist Emergency Room - $200 Copay

The Network Health WELLNESS PROGRAM & Incentives Health Risk Assessments and onsite Biometric Screenings will be provided by NHP/Prevea participating employee’s will receive a $50 gift card

Health Savings Account Product Information HSAs allow you to deposit money, tax-free into a savings account, to use for qualified health care expenses Average tax savings is approximately 20% You can adjust contributions throughout the year You earn interest on the amounts in your HSA Unused HSA balance will rollover into future years

2018 HSA Limits & Contribution Single: $3,450 Family: $6,900 Sturgeon Bay School District will contribute $350/$700 or $1,000/$2,000 annually HSA funds must be in your account in order to use them REMINDER: You can adjust your H.S.A. deposits throughout the year, as your needs change.

Dental Insurance – Delta Dental No Changes to your Dental Insurance for 2018 Benefits Delta Dental Deductible $25 Single / $75 Family Annual Maximum $1,300 per person Preventive Services 100% Basic Services Major Services 80% Orthodontics Lifetime Max. 50% to $2,000 To age 26 Your dental plan options for 2018 are not changing. You have two options to choose from. The Delta Dental option allows you freedom to choose your providers. If you see a provider that is in the Delta PPO or Premier network, it will stretch your dollars further. You also have the option of the Care Plus plan. This is more restrictive as you need to see a Dental Associates provider in order for there to be coverage. During open enrollment you can choose to move between plans, so if you are on the Care Plus and would like to move to the Delta Dental plan or the other way around, you can do so during this time.

Voluntary Vision– UNited Healthcare No Changes to your Vision Insurance for 2018 Vision Care Services In-Network Member Cost Out-of-Network Cost Eye Examination $15 Copay Up to: $40 Lenses (Once Each 12 Months) Single Bifocal Trifocal $30 Copay Up to: $60 Up to: $80 Frames (Once Each 24 Months) Up to: $130 Up to: $45 Contact Lenses (Once Each 12 Months) Elective Up to: $105 Medically Required $30, then 100% Up to: $210 Your vision benefits will EyeMed are not changing for 2018. During open enrollment you can choose to elect this benefit or you can terminate the coverage if you no longer need this benefit. This benefit helps to pay for eye exams as well as lenses every 12 months, and frames every 24 months.

Voluntary Accident & Critical Illness – United Healthcare No changes to your Voluntary Accident & Critical Illness coverage Please refer to the UHC Benefit Summary for a thorough explanation of benefits, including any limitations or exclusions that might apply before enrolling in this coverage The short term disability is the only plan that is seeing a change this year. This benefit supplements your income if you are to be off of work due to a non work related injury or illness. The benefit that is payable in 2018 will be 50% of your weekly wages. If you are off due to an accident, that benefit will pay on the first day off of work. If it is due to a sickness, you will need to be off for 7 consecutive calendar days and the benefit will start to pay on the 8th day. This benefit will pay for up to 180 days.

Next Steps Review your employee booklet Talk to your spouse/family about benefits and make a decision All eligible employee’s need to complete the enrollment form and return to the Business Office by May 31st, 2018 Reminders Changes to your H.S.A. contribution limits can be made by contacting your Human Resource Department Calendar year Deductible Any Deductible and Out of Pocket met in 2018 will be applied to new benefits If you enroll in the Health Savings Account the plan year will run concurrent with your medical plan year deductible