1. 2017-2018 Annual Enrollment Employee Benefits
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- Sneak peek at an alternate accent color
July 1, 2017 through JUNE 30, 2018

2. 2017-2018 Continental Elementary School District Employee Benefits
What to Know

3. Annual Open Enrollment
The Continental open enrollment period for the 2016 employee benefit plan year will be May 15th – May 19th!
Changes will be effective July 1, 2017.
Once a year opportunity to add, drop or change existing coverage, elect or decline benefits.
Next opportunity to make a change without a qualifying event will be May 2018.
All enrollment forms are due to Cristina no later than 3pm May 19th!

4. 2017-2018 Benefit Overview Medical:
Will remain with ASBAIT – Active Employees will have the options of the Copay Gold, Classic Gold and Value Silver.
ASBAIT discontinued the Copay Platinum effective 7/1/2017
Continental will pay 100% of the employee only premium for the Classic Gold and Value Silver plans. Employees will have the option to buy-up to the Copay Gold plan.
Teladoc
Telephonic & Video Consultations with a Board Certified Physicians
No office visit copay! You will only pay the cost of any prescribed medication!!!
No changes to the following carriers or plans:
Dental (Prepaid) – Employers Dental Services – No rate Change
Voluntary Vision – Avesis – no rate change
Basic Life AD&D/Voluntary Life AD&D – Lincoln Financial – no rate change
FSA will remain with American Fidelity
American Fidelity offers Individual Benefits of Accident, Cancer, Term Life & Short Term Disability

5. Employee Benefit Website for Continental Employees!
Go to:
Click on the “Benefits Login” button
Enter your password “continental” in all lowercase letters
Benefit information available all year 24/7

6. Intent: Provide any additional info relevant to current prospect.
MEDICAL

7. Medical Definitions Copayment:
The fixed dollar amount you must pay directly to a physician at the time certain covered services, such as prescription drugs or office visits, are received.
Deductible:
The fixed dollar amount you must pay for covered services each Calendar year before the insurance company begins to pay benefits.
Coinsurance:
Sharing, between yourself and the insurance company, of the cost of covered services.
Out-of-Pocket Maximum:
The maximum dollar amount you have to pay under the terms of the insurance company’s contract in a Calendar year for covered services.

8. Medical – Value Silver, Classic Gold & Copay Gold

9. Medical – Value Silver, Classic Gold & Copay Gold

10. Pharmacy– Value Silver, Classic Gold & Copay Gold

11. Top 5 Prescriptions written
1-800-Teladoc
( )
Examples of common calls to Teladoc…..
Sinus Infections
Common Cold
Pink Eye
Flu
Allergies
Bronchitis
Ear Infections
Bladder Infections
UTI
Upper Respiratory Infection
Top 5 Prescriptions written
Antibiotics
Antihistamines
Cough suppressants
Anti-bacterial medications
Anti-fungal medications

12. What is Teladoc? Who can use Teladoc? 1-800-Teladoc (1-800-835-2362)
NO EMPLOYEE COST TO USE THE SERVICE!!!
Telephonic or video/webcam physician consultations
Board Certified physicians authorized to write prescriptions (you pay for cost of prescription)
Available 24/7/365
English & Spanish speaking consultants and physicians
Saves you time and money; NO COPAYS!!!
Who can use Teladoc?
ALL employees and their eligible dependents living in the same household can use Teladoc.
Your dependents DO NOT have to be enrolled under the company sponsored medical plan to use Teladoc.
Continental is paying 100% of the cost for all employees!
1-800-Teladoc ( )

13. Employee Assistance Program (EAP)- Alliance Work Partners
Anger management
Legal and financial issues
Grief and bereavement
Stress management
Substance abuse
Marital difficulties
Communication skills
Managing depression and anxiety
Child and elder care resources
Parenting support
Toll Free
EAP Teen Line
TEEN (8336)
100% Confidential
1-5 short term counseling sessions per problem per year, which includes assessment, referral and crisis services.
❂ Dependents and partners residing in the employee’s household are covered.
❂ The EAP is available at no cost to the employee or family member and is completely confidential.

14. Flexible Spending Account (FSA)
Health FSA maximum $2,600
Debit Card available
Dependent Care FSA maximum $5,000
Use it or lose it rule reminder
Deductions taken on a pre-tax basis – this LOWERS your taxable income!

15. Increase Your Take Home Pay!!!
Example: Annual Salary of $30,000, 20 pay periods = $1,500 per paycheck Health FSA Election: $2,600 ($130 per paycheck)
After-Tax
Gross Amount per Pay Check
1,500.00
Federal Income Tax Rate + FICA (30%)
Gross Minus Taxes
1,050.00
Health Care Expenses
Net Income
$920.00
Pre-Tax
Gross Amount per Pay Check
1,500.00
Health Care Election
Gross Minus Pretax Elections
1,370.00
Federal Income Tax Rate + FICA (30%)
Net Income
$959.00
Tax Savings of $39.00 per paycheck or $780 annually

16. Intent: Provide any additional info relevant to current prospect.
Dental

17. Prepaid Dental Plan Employers Dental Services
Must use a Dentist within the network
Fees for procedures listed in the copay booklet (copy of booklet can be found on Continental employee benefit website)
No annual maximum
25% discount on orthodontics offered by EDS Orthodontists

18. Dental – EDS Fee Scheduled Dental

19. Intent: Provide any additional info relevant to current prospect.
Vision

20. Voluntary Vision

21. Intent: Provide any additional info relevant to current prospect.
Life Insurance

22. District pays 100% of the premium for Each Employee!
Life Insurance
District pays 100% of the premium for Each Employee!
It is also time to update your beneficiary designation.

23. Voluntary – Supplemental Life Insurance
If you did not elect or enroll yourself, or your spouse, you will be required to complete an Evidence of Insurability form for you and your spouse. Increases to benefit levels require evidence of Insurability. Don’t forget to update your beneficiary designation.

24. Intent: Provide any additional info relevant to current prospect.
Next Steps

25. DEADLINE TO SUBMIT ALL FORMS: MAY 19th at 3pm
Do you need to complete any paperwork???
Your current benefit elections will automatically roll over for the 7/1/17 plan year unless you complete and submit new forms.
Flexible Spending Account (FSA) - You will NOT automatically be re-enrolled in the FSA…. You must re-elect each year. if you wish to participate in the FSA (or continue participation) you must submit a FSA enrollment form.
DEADLINE TO SUBMIT ALL FORMS: MAY 19th at 3pm

26. Thank You! The information described in these materials is only intended to be a summary of your benefits. It does not describe or include all benefit provisions, limitations, exclusions, or qualifications for coverage. Please review your insurance contract and/or summary plan description for a complete explanation of your benefits. If this summary conflicts in any way with the insurance contract or summary plan description, contract provisions will prevail. Questions: Please call your Human Resources & Benefits Department Or your Benefits Consultant, Gallagher Benefits Services.
Ben Palumbo, Account Executive
Direct:
Carey Craig, Marketing Analyst
Direct:
Gallagher Benefit Services, Inc.
Main
Fax