THE TOTAL BENEFIT SOLUTION Where Benefits Meet Technology 2019 Supplemental Benefits 1 THE TOTAL BENEFIT SOLUTION

pre-existing limitations. The content of this Power Point is designed only for communication purposes and is not to be considered a contract, nor does it guarantee or imply coverage. Consult your plan booklet or Administrator for detailed coverage or pre-existing limitations. THE TOTAL BENEFIT SOLUTION

Section 125 Cafeteria Plan Special rules and requirements to receive the pre-tax benefit election plan privileges: Frenship ISD must set a plan year. The district’s plan year is January 1 to December 31 of each year. Although coverage is voluntary, every employee is required to review their current elections, make changes if desired and sign a Section 125 Benefit Election Form. Any pre-tax elections will remain in effect unless you have a qualified change in family status. Changes must be made within 31 days of the event. Any pre-tax elections will remain in effect and cannot be revoked or changed during the plan year unless you have one of the following: Marriage, Divorce, Birth/Adoption, Death, Change in Dependent Eligibility, etc. THE TOTAL BENEFIT SOLUTION

THE TOTAL BENEFIT SOLUTION Enroll Anytime, Anywhere! Web based enrollment portal Access 24/7 Benefit Guide Detailed Benefit Information Carrier Contact Information Claim Forms Links to Insurance providers Frenship ISD website: www.mybenefitshub.com/frenshipisd THE TOTAL BENEFIT SOLUTION

THE TOTAL BENEFIT SOLUTION Stay Informed! THE TOTAL BENEFIT SOLUTION

THE TOTAL BENEFIT SOLUTION Time to Enroll! THE TOTAL BENEFIT SOLUTION

THE TOTAL BENEFIT SOLUTION Login instructions! THE TOTAL BENEFIT SOLUTION

THE TOTAL BENEFIT SOLUTION Passive Enrollment! What does this mean?! All 2018 benefit elections will be rolled into 2019! No need to log in, unless you need to make changes! Please take time to check for changes or mistakes! Keep in mind… HSA Limit Increases for 2019! FSA Limit Increases for 2019! Confirm Dependents listed and enrolled! Understand the benefits you have elected! Know what you will be paying! THE TOTAL BENEFIT SOLUTION

Health Savings Account · HSA Bank Individual Annual Maximum: $3,500 Family Annual Maximum: $7,000 HSA Eligible Participants: Employees that contribute to an HSA account are restricted to a limited-purpose Health FSA, for reimbursement of dental and vision care expenses only. THE TOTAL BENEFIT SOLUTION

Medical Gap Insurance · Kemper Designed to cover your out-of-pocket expenses such deductibles and co-insurance. In-Hospital Benefit: pays up to the maximum amount chosen for Covered Charges incurred when a Covered Person is confined in a Hospital for 15 hours. $2,000 or $3,000 in-patient benefit available. Outpatient Benefits: pays $400 or $600 benefit for Covered Charges incurred for treatment in a Hospital Emergency Room, outpatient facility or a free-standing outpatient surgery center. *Same condition must be separated by 90 days. THE TOTAL BENEFIT SOLUTION

Medical Gap Insurance (HSA Compliant)· Kemper Designed to cover your out-of-pocket expenses such as deductibles and co-insurance. Deductible: Employees contributing to a HSA are eligible for a HSA Compliant GAP plan. A deductible is required to be met of, $1,300 for individual and $2,600 for family, before GAP benefits are paid. In-Hospital Benefit: pays up to the maximum amount chosen for Covered Charges incurred when a Covered Person is confined in a Hospital for 15 hours. $3,000 or $4,000 in-patient benefit available. Outpatient Benefits: pays a $600 or $800 benefit for Covered Charges incurred for treatment in a Hospital Emergency Room, outpatient facility or a free-standing outpatient surgery center. *Same condition must be separated by 90 days. THE TOTAL BENEFIT SOLUTION

Telehealth · healthiestyou Telehealth is 24/7 access to a doctor via phone, video and email for the diagnosis and treatment of illness, second opinions and common conditions. An estimated 80% of primary care, urgent care and emergency room visits can be avoided using healthiestyou's telehealth services. Improved patient outcomes, better access to care and tremendous time and cost savings can be achieved through healthiestyou. Telehealth can deliver medical services where they are needed most, and remove barriers of time, distance, and provider scarcities. Plan is $12.00 for the Family! THE TOTAL BENEFIT SOLUTION

Direct Reimbursement Dental Plan You are covered at 100% of the 1st $100 You are covered at 80% of the next $250 You are covered at 50% of the next $1,800 Annual maximum benefit per covered person is $1,200 Orthodontia is covered for participants and has a lifetime benefit of $1,200. Benefits are paid just like they are on dental. Exclusions: cosmetic dentistry, implants, TMJ IMPORTANT REMINDER! Use of the NBS Flex Card is prohibited with dental claims; you must file a paper flex claim. THE TOTAL BENEFIT SOLUTION

Vision Insurance · Superior Vision Mandatory ACA Tax Fee Eye Exam Co-Pay $10 Eyewear Co-Pay $20 Contact Lens Fitting Co-pay $25 Frame allowance $125 Retail (in-network). Lenses allowance Paid In Full (in-network). Contact Lenses allowance up to $150 Retail (in-network). Every 12 months you are allowed… Vision examination Frames Lenses Contact Lenses Contact Lenses fitting THE TOTAL BENEFIT SOLUTION

Long-Term Disability Insurance · The Hartford Coverage is Guarantee Issue, no health questions asked! 3/12 Pre-Existing Exclusion for New coverage and increased benefits, if your disability is a result of a pre-existing condition, benefits will be paid for a maximum of 4 weeks. You may choose coverage that will pay a monthly benefit of 30%, 40%, 50% or 60% of your monthly income, to a max monthly benefit of $7,500. You may choose waiting periods in days of: 0/7, 14/14, 30/30, 60/60, 90/90 and 180/180, based on your individual needs. Elimination period is waived if confined to hospital for more than 24 hours for employees electing elimination period of 30 days or less. Benefits last while under doctor’s care to age 65 due to illness or injury. Claims are processed Telephonically. THE TOTAL BENEFIT SOLUTION

Group Cancer Insurance · Loyal American High Option and Low Option Annual Cancer Screening Benefit: $50 per calendar year. First Occurrence Benefit: High Option $2,000, Low Option $500. Daily Radiation/Chemotherapy Benefit: High Option $400, Low Option $200. Daily Hospital Confinement Benefit: High Option $200/Day, Low Option $100/Day. Optional ICU Benefit: $1,000/Day for the 1st 30 days of ICU Confinement. Optional Specified Disease Benefit: Available with ICU Benefit. Transportation and Lodging: $0.50 per mile and up to $75/Day for Lodging THE TOTAL BENEFIT SOLUTION

Accident Insurance · American Public Life Benefits are paid directly to you! No Medical Questions! Pays regardless of any other medical coverage. Protects you 24 hours a day – on or off the job. Issue ages for employee and spouse are 18-64. Policy is guaranteed renewable up to age 70. Benefits are available from 1 unit ($500) to 4 units ($2,000). There is no limit on the number of accidents covered. THE TOTAL BENEFIT SOLUTION

Basic Life and AD&D Insurance · One America Frenship ISD provides a $20,000 Basic Life and AD&D policy at No Cost to the Employee! *For Employees working 30 hours or more per week. THE TOTAL BENEFIT SOLUTION

Employee Assistance Program · One America Company Sponsored Program provides support, resources and information for personal and work-life issues. Offered to benefit eligible employees and dependents at no additional cost. ComPsych GuidanceResources Includes: Confidential Counseling Financial Information and Resources Legal Support and Resources Work-Life Solutions Guidance Resources Online Free Online Will Preparation THE TOTAL BENEFIT SOLUTION

Voluntary Group Life Insurance · One America New employees can purchase up to $200K for themselves, $50K for their spouse and $10K for children with no medical questions! Existing employees can increase by $10,000 increments for themselves and $5,000 for their spouse (up to the guaranteed issue amount). Employees electing over the guaranteed issue amount are required to complete a Evidence of Insurability-please complete during enrollment! Available Coverage Amounts: Employees may elect coverage in $10,000 increments up to $500,000 not to exceed 5 times annual salary. Employees may elect up to 50% of the employee’s amount on their spouse. Children may be insured for $10,000 for $1.00 with one rate for all children. Employees can elect AD&D coverage on a stand alone basis. AD&D is available for both employee only or for the employee and family. THE TOTAL BENEFIT SOLUTION

Individual Life Insurance · 5 Star Guaranteed renewable, portable and premiums remain level to age 100. Family Protection: You can cover yourself, your spouse, children and even your grandchildren without covering yourself. (ages 14 days through 23 years) Terminal Illness Benefit: Pays you 30% of your coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of 12 months or less. Quality of Life Benefit: Following a diagnosis of either a chronic illness or cognitive impairment, the QOL Rider accelerates a portion of the death benefit on a monthly basis – 4%, up to 75% of your benefit. THE TOTAL BENEFIT SOLUTION

Emergency Transportation · MASA MASA provides medical emergency transportation solutions AND covers your out of pocket medical transport cost when your insurance falls short. No Networks, Nationwide Coverage. Emergency Ground Ambulance and Emergency Helicopter Transport. $9.00 per month, for employee only or family coverage. Just send them your bill and they take care of the rest! THE TOTAL BENEFIT SOLUTION

Flex Plan Admin · National Benefit Services Plan Maximum: $2,700 Annually. Flex funds are front loaded and available to you at the beginning of plan year on a MasterCard. Services must be incurred in plan year. 2 ½ month grace period to incur claims following plan year. 90 day run out period to file claims following plan year. Can be used for all IRS Classified Dependents. “Use it or lose it” Examples: Doctor Office Co-Payments Dental Expenses (paper claim only) Prescription Co-Payments Vision – Glasses, Contacts, etc. THE TOTAL BENEFIT SOLUTION

Dependent Care Reimbursement Account · NBS Tax Free Account for eligible Dependent/Child Care Expenses. Tax Free Deduction via payroll vs. deduction on income tax. Annual Maximum: $5,000 for married couple filing jointly or head of household or $2,500 if filing single. THE TOTAL BENEFIT SOLUTION

THE TOTAL BENEFIT SOLUTION Thank You! THE TOTAL BENEFIT SOLUTION