Payroll and Benefits Orientation 2014/2015

What we will review today… Review of District Offered Benefits Basic & Additional Life Insurance Short and Long Term Disability Voluntary Short Term Disability Flexible Spending IRS Section 125 Voluntary Vision Plan Medical and dental Plans United Healthcare HDHP 1750 United Healthcare HDHP 3000 United Healthcare Choice PPO Delta/Cigna/Assurant Dental www.myuhc.com Care 24 (1-866-271-7340)

Basic Life Insurance Additional Life Insurance ING Life Insurance Company Basic Life Policy District Paid benefit One time your annual salary ($20,000.00 Minimum) Additional Life Insurance Employee Paid benefit Insurance can be purchased up to five (5) times your annual salary in $10,000.00 increments. You may purchase up to $150,000.00 without completing medical questionnaire Payroll deductions begin immediately. Any amount above $150,000 will go to the companies underwriters and if you are not approved the premiums will be refunded to you on the first check after we receive the notification from the company. Cost is age based (Chart is available on the portal)

Deer Valley Unified School District Disability Insurance Short Term Disability-District Paid Benefit There is a 90 day waiting period from the start of your disability Benefit begins paying on the 91st day after your disability Benefit pays up to 66 2/3% of your salary or Maximum of $2500 Benefit pays for 90 days (Maximum Benefit) Long Term Disability-District/Employee Paid Benefit Arizona State Retirement Benefit There is a 180 day waiting period from the start of your disability Benefit begins paying on the 181st day after your disability Benefit pays up to 66 2/3% of your salary Benefit pays until you are able to return to work or you are of retirement age

Voluntary Short Term Disability Insurance Assurant Voluntary Disability 1-800-877-2701 Ext. 250 Employee Paid Benefit Underwriter approval is required before deductions begin Pre-existing condition clause one (1) year prior to enrolling on the plan Benefit begins paying on the fourteenth (14) day after your disability Benefit pays up to 66 2/3% of your salary or benefit amount selected Benefit pays for up to ninety (90) days Deductions are taken from twenty (20) or (24) pay checks depending on the pay option selected. Workers’ Comp related injuries are excluded from this benefit

Flexible Spending Accounts Medical Reimbursement Account Maximum of $2,500.00 per fiscal year (July 1 through June 30) Dependent Care Reimbursement Account Maximum of $5,000.00 per fiscal year (July 1 through June 30) Deductions are taken out of twenty (20) or (24) pay checks beginning with the paycheck of September 4th depending on the pay option selected. You must use all monies designated by June 30 or they will be lost You are responsible for submitting your claims for reimbursement directly to the company Twenty four (24) hour access to your account/seven (7) days a week If you resign or take a leave of absence from the district, all claims must be submitted for reimbursement within ninety (90) days You must re-enroll for this plan each year during open enrollment Log on to: www.basichr.nu or call 1-800-444-1922 Ext. 487 and follow the prompts Submit claims by mail: BASIC 9246 Portage Industrial Dr. Portage, MI 49024

IRS Section 125 IRS Section 125 allows employees to pay all insurance deductions with pre-paid tax dollars. Employees are not permitted to make changes to their insurance during the year. Changes can only be made during the open enrollment period which happens one time each year, usually the month of May. The only exception is a life status change, which is marriage, divorce, birth, death or change in spouse employee work status. Employees have 31 days from the date of a life status change to make changes to their insurance. If you fail to make the changes within the 31 day time limit, you must wait until the open enrollment period to do so.

United Healthcare Vision Voluntary Vision Package Eye Exams: $10.00 Co-Pay (Includes eye exam, 1 per year) Materials: $20.00 Co-Pay (Includes 4 boxes of contacts OR 1 frame, retail value of $130.00 or less and single or bifocal lenses, 1 per year) You must go to one of the following locations for services. Cost to Employees 20 Deductions 24 Deductions Employee Only: $4.41 $3.68 Employee & Spouse $8.94 $7.45 Employee & Children $9.36 $7.80 Employee & Family $11.94 $9.95

Medical Benefits Overview All plans are Open Access. No Primary Care Physician selection required You do not need a referral to access Specialists You search for providers by logging on to www.myuhc.com to do a search by plan. You must select Choice Plus PPO or Choice HSA There are no Pre-existing condition clauses on any of the plans

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IRS Eligibility Requirements Employee cannot be Medicare eligible Employee cannot be claimed as a dependent on anyone’s taxes Employee may not be covered as a dependent on another health plan unless it is another Health Savings Plan http://www.irs.gov/publications/p969/ar02.html#en_US_2011_publink1000204045 For more information, log on to this website.

Health Savings Account Preventative Care Adult Child Annual routine office visit and exam Six visits 0 – 12 months Tetanus/Diphtheria Booster Three visits 12 – 24 months Annual Influenza vaccination (flu shot) Annual visits age 24 months through age 18 Cholesterol screening Annual pap smear and pelvic exam, as appropriate by age Annual mammogram Lead level testing Annual pap smear and pelvic exam Immunizations Labs, pathology, chest X-ray, and EKG (when performed as preventive care)

High Deductible Health Plan 1750 and 3000 (Health Savings Account) 100% District Paid Employees should choose a doctor within the United Healthcare Network . 1750 Plan Deductibles Maximum Out-of-Pocket* $1750 per person $3750 Includes deductible $3500 per family $7500 Includes deductible The district will double employee contributions up to a maximum of $600 for the HDHP 1750 Plan. Employees only coverage may contribute an additional amount into their HDHP account through payroll deduction, not to exceed $3300 per calendar year. Employee with dependent coverage may contribute an additional amount into their HDHP account through payroll deduction, not to exceed $6550 per calendar year. 3000 Plan Deductibles Maximum Out-of-Pocket* $3000 per person $4500 Includes deductible $6000 per family $9000 Includes deductible The district will double employee contributions up to a maximum of $1200 for the HDHP 1750 Plan. Employees only coverage may contribute an additional amount into their HDHP account through payroll deduction, not to exceed $3300 per calendar year.

HDHP 1750/3000 Out-of-Network Benefits (Health Savings Account) Employees may go outside the United Healthcare Network to see Doctors on the HSA Plan. By doing so, you are subject to higher deductibles and higher percentages of eligible expenses. 1750 Plan Deductibles 3000 Plan Deductibles $3000 per person $5500 per person $6000 per family $11000 per family All deductibles are on a calendar year. All services become 40% of eligible expenses. Maximum Out-of-Pocket * 1750 Plan 3000 Plan $7,500.00 per person $9,000.00 per person $15,000.00 per family $18,000 per person *Maximum Out-of-Pocket include deductible

HDHP 1750/3000 Premiums (Health Savings Account) District Annual Cost District Annual Cost $5391.72 $4917.00 (plus total max annual contribution of $600.00) (plus total annual contribution of $1200.00) 1750 Employee Only: 3000 Employee Only: 0.00 0.00 Dependent Cost: Dependent Cost: $303.28 Every Paycheck for 24 deductions $276.58 Every Paycheck for 24 deductions $363.93 Every Paycheck for 20 deductions $331.89 Every Paycheck for 20 deductions *Dual Spouse Coverage: *Dual Spouse Coverage: $78.62 per pay for 24 deductions $71.70 per pay for 24 deductions *Dual spouse: Both husband and wife must work for Deer Valley Unified and cover dependent children on the insurance plans.

HDHP 1750/3000 Rx Benefits After Deductible is Met Retail Network Pharmacy For up to a 31 day supply Retail Non-Network Pharmacy Home Delivery Network Pharmacy For up to a 90 day supply Tier 1 $10 $25 Tier 2 $35 $30 $75 Tier 3 $60 $50 $125 *Your Co-payment is determined by the tier to which the Prescription Drug List Management Committee has assigned the Prescription Drug Product. All Prescription Drug Products on the Prescription Drug List are assigned to Tier 1, Tier 2, or Tier 3. Please access www.myuhc.com through the Internet, or call the Customer Service number on your ID card to determine tier status. PLEASE NOTE THAT THE RX BENEFITS ARE SUBJECT TO THE MEDICAL PLAN DEDUCTIBLE BEFORE THE RX COPAYS APPLY. NETWORK MEDICAL DEDUCTIBLE IS $1,750 INDIVIDUAL AND $3,500 FAMILY.

Choice Plus PPO In-Network Benefits Office Visit : $25.00 co-pay Specialist Office Visit: $50.00 co-pay Dr. Visit-Allergy Shots: $25.00 Lab & Radiology: No co-pay MRI’s, CT Scans, Nuclear Medicine: $100.00 co-pay Chiropractic: $25.00 co-pay (limited to 12 visits per calendar year) Eye Exams: $25.00 co-pay (limited to one visit every other calendar year) Durable Medical Equipment: 1000/3000 Deductible + 20% of eligible expenses (limited to $2,500.00 (per person, per calendar year) Urgent Care: $75.00 co-pay Convenience Care Clinics $25.00 co-pay Emergency Room: $250.00 co-pay Hospitalization: Inpatient: Deductible + 20% of eligible expenses Outpatient: Deductible + 20% of eligible expenses Prescription: $10/$35/$60 Mail Order available (90 day supply) $25/87.50/$130

Choice Plus PPO Deductibles and Maximum Out-of-Pocket In-Network Deductibles In-Network Out-of-Pocket Maximum $1000 Per Person $4000 Employee Only + Deductible $3000 Per Family $8000 Per Family + Deductible Out of Network Deductibles Out of Network Maximum Out-of-Pocket $1250 Per Person $7250 Per Person + Deductible $3750 Per Family $14500 Per Family + Deductible Most services are paid by United Healthcare at 65% of eligible expenses including office visits and Employee pays Out-of –Pocket maximum does not include co-pays for office visits, Emergency Room visits, Rehab, or Pharmacy Services.

Choice Plus PPO Premiums District Annual Cost: $6085.40 Employee Only: $58.08 Employee Only for 24 deductions $69.70 Employee only for 20 deductions Employee & Dependent Cost: $400.38 Every Paycheck for 24 deductions $480.46 Every Paycheck for 20 deductions Dependents $342.30 Every Paycheck for 24 deductions $342.30 Every Paycheck for 24 deductions *Dual Spouse Coverage: $146.82 Every Paycheck for 24 deductions $176.19 Every Paycheck for 20 deductions *Dual spouse: Both husband and wife must work for Deer Valley Unified, be insurance eligible and cover dependent children on the insurance plans. If you meet this criteria, all dependents should be added as dependents under one employee with all deductions coming out of that employees check. Premium Deductions are Pre-taxed

Myuhc.com www.myuhc.com View General Information Provider Search View Claims, Explanation of Benefits (EOB’s), Etc.

Dental Plans Cigna Dental Routine Services: $0.00 Deductible: $0.00 Basic Services: Co-Pay Major Services: Co-Pay Maximum Benefit: Unlimited Orthodontics: Varies District Paid: $329.54 Employee Cost: $0.00 Dependent Cost: $23.59/24 $28.30/20 Dual Spouse: $9.86 Delta Dental PPO Plan Preventative: 100% Deductible: $50.00 Basic Services: 80% Major Services: 80% Orthodontics: 50% Maximum Benefit: $1500.00 Delta Dental Premier Plan Basic Services: 60% Major Services: 40% District Paid: $442.20 Employee Cost: $0.00 Dependent Cost: $31.55/24 $37.86/20 Dual Spouse: $14.00 Assurant Dental Routine Services: $10.00 Co-Pay Deductible: $0.00 Basic Services: Co-Pay Major Services: Co-Pay Maximum Benefit: Unlimited Orthodontics: Varies District Paid: $149.64 EE Only District Paid: $170.64 Dep. Employee Cost: $0.00 Dependent Cost: $0.00 Dual Spouse: $0.00 Dual Spouse: Both husband and wife must work for Deer Valley Unified, be insurance eligible and cover dependent children on the insurance plans. If you meet this criteria, all dependents should be added as dependents under one employee with all deductions coming out of that employees check.