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 Employee Benefits ANNUAL OPEN ENROLLMENT
WELCOME
to the Liberty Elementary School District Employee Benefits
Annual Open Enrollment!
This is an introduction of the employee benefits that will be in effect from July 1, 2017 through June 30, 2018
This is YOUR TIME to review the benefits and make the selections to fit yours and your family needs. The decision you make will begin July 1, 2017
The Liberty Elementary School District Open Enrollment period;
Meetings begin Friday, April, 21
Enrollment Period: 5/1 – 5/12

3. 2017 – 2018 Liberty Elementary School District Employee Benefits
What to Know

4. Benefits Eligibility
Active full time employees working 30 or more hours per week.
Employees have 30 days from their eligibility date to enroll or decline coverage, otherwise you will need to wait until the next open enrollment period. Coverage ends the last day of the month of termination or qualifying event.
Employees have 30 days from a mid-year qualifying event to enroll or make any plan changes. Examples of mid-year qualifying events:
Marriage
Divorce
Birth/Adoption/Legal Guardianship
Loss of other coverage
Enrollment in the Marketplace during the special open enrollment in November through January

5. 2017-2018 Benefit Highlights Medical: NEW Carrier – UNITEDHEALTHCARE
Employees will have two (2) PPO and one (1) HDHP medical plans to choose from.
Health Savings Account (HSA): NEW HSA Administrator UnitedHealthcare OptumHSA. HDHP Enrollments ONLY are available to have an HSA; the IRS requires and governs HSA enrollment in a qualified High Deductible Health Plan (HDHP).
Employee Assistance Program (EAP): New Service Provider – UnitedHealthcare: A confidential assistance program available to ALL District Employees with toll-free nationwide access and 5 free face-to-face counseling sessions.
Teladoc: NEW BENEFIT OFFERING
$0 Copay for ALL PLANS!
ALL Employees are eligible for this benefit
100% Paid by Liberty Elementary School District

6. 2017-2018 Benefit Highlights Dental: NEW Carrier - MetLife
PPO Dental Plan: A PPO with contracted and noncontracted benefits. Greater discounts using contracted providers.
Vision: NEW Carrier - EyeMed Vision Care though CSA Insurance and the Advantage Network. $10 Exam and $25 Material Copayments
Life/AD&D: New Carrier – Minnesota Life
Continuing Basic Life/AD&D benefit at 2x Base Annual Earnings to $150,000 Maximum
Strengthened Voluntary Life/AD&D benefits with greater guarantee issue levels and higher dependent benefit maximums.
Allowing employees to increase current benefits by $10,000 not to exceed Guarantee Issue without providing EOI!

7. Benefit Highlights
Flexible Savings Account (FSA): Available to the PPO enrolled employees only! This is the USE IT or LOSE IT Plan. The First Financial will remain as the District’s administrator.
Short Term Disability or Weekly Income Protection:
Voluntary Buy-Up Plan: Continuing with MetLife as offered through First Financial
Individual Voluntary Insurance: The District is continuing to offer its employees voluntary benefits in association with the First Financial Group of America to meet your individual needs.
Individual Life
Buy-Up Short-Term Disability
Cancer
Accident
403b
457b

8. Employee Benefit Website
Go to
Click on the “Benefits Login” button
Enter your password “liberty” in all lowercase letters

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

10. 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 plan 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 plan year for covered services.

11. THE HEALTH SAVINGS ACCOUNT PIECE
What does OptumHSA handle VS UnitedHealthcare if I enroll in the HDHP $3,000?
HSA-HDHP $3,000 / $6,000
Two Components
THE INSURANCE PIECE
Access to the Choice Plus network of UnitedHealthcare’s contracted providers
Customer service
THE HEALTH SAVINGS ACCOUNT PIECE
Investment options
Rolls over from one year to the next
Provides the debit card
UHC Medical Plan
$3,000 Single Deductible
$6,000 Family Deductible
Bank Account
OptumHSA

12. Medical Plans: HDHP $3,000, PPO Silver & PPO Gold

13. Medical Plans: HDHP $3,000, PPO Silver & PPO Gold

14. Pharmacy: HDHP $3,000, PPO Silver & PPO Gold

15. What to think about under an HSA-HDHP
What is cost difference, how do I choose?
Look at your prior 12 month history form the Explanation of Benefits. It will show you the Billed, Allowed (this is the discounted fee you will pay)
Use the Medical Plan Evaluator Tool on the benefits website
Remember Cost Savings & Consumerism
Teladoc $0 Copay is available.
Enhanced Pharmacy Drug List to assist with lower costs.
Ask your Pharmacist – what is the cash price, insurance price, and their own discounted price.
Difference in Premiums, you can put in HSA
Ask your Doctor for Generics when available

16. What to think about under an HSA-HDHP
What do I do with my Current HSA?
Keep as you own HSA Account as an Independent Account. You can contribute if you are enrolled, but will not have convenience of payroll before tax deductions.
Open New UHC OptumHSA for payroll Deductions. Keep current HealthEquity account. Draw down balance on Health Equity, you are responsible for monthly banking fees.
Roll Over your HealhtEquity HSA to New OptumHSA. This requires you to close you prior HSA and there is a Rollover Fee charged by HealthEquity.

17. How much will I have to pay In-Network if…
Medical Cost Example 1
How much will I have to pay In-Network if…
I’m enrolled as employee only and I am admitted to hospital for a heart attack*???
* For illustrative purposes only. Eligible facility and professional services are each subject to deductible, copay and co-insurance according to the schedule of benefits. Once out of pocket maximum is reached on both plans, all eligible major medical claims for the remainder of the calendar year will be paid at 100% by plan.
Actual claim data used for above scenarios, however the UnitedHealthcare discounts will vary by provider, diagnosis, complications etc. Heart related claims continue to be the #1 in frequency and total dollars paid for the UHC plan.

18. Medical Cost Example 2 How much will I have to pay In-Network if…
I’m enrolled as employee only and I am managing Type 2 Diabetes*???
* For illustrative purposes only. Eligible facility and professional services are each subject to deductible, copay and co-insurance according to the schedule of benefits. Once out of pocket maximum is reached on both plans, all eligible major medical claims for the remainder of the calendar year will be paid at 100% by plan.
Actual claim data used for above scenarios, however the UnitedHealthcare discounts will vary by provider, diagnosis, complications etc. Heart related claims continue to be the #1 in frequency and total dollars paid for the UHC plan.

19. Who is Eligible for the Health Savings Account?
You must be covered under the HSA-HDHP $3,000 plan
Not enrolled for benefits under Medicare
Do Not have an Active or Open FSA
Not covered as a dependent under another person’s tax return (other than your spouse)
How Much can I contribute in 2017?
Single $ 3,400 less contributions made by others
Family $ 6,750 less contributions made by others
Age 55 < Medicare then you get $1,000 Catch-up

20. Why Enroll in the HSA-HDHP $3,000?
Pre-Tax contributions via payroll deduction and tax free distributions for eligible expenses.
Lower premiums offer an affordable cost option to cover dependents
Once enrolled, you will receive a debit card to pull money that is in your savings account to pay for qualified medical expenses
You own the savings account and the money stays with you
The balance rolls over from one year to the next (no use-it-or-lose-it rule)
Long-term savings for healthcare expenses after retirement
Use money in the savings account to cover the cost of eligible expenses for your dependents even if they are not enrolled under your medical insurance!!!

21. What to think about under an HSA-HDHP
Two Parts to the HSA-HDHP
Medical Plan & Network
HSA bank account
I must meet the Deductible for ALL Services
Medical – Physician Office Visits, Inpatient Hospital and Surgery
Pharmacy – I pay the discounted fee, no copays
Urgent Care & Emergency Room – I pay discounted fee
Am I a Saver? High utilizer? Risk accepter? Low utilizer?
CANNOT have an Open or Active FSA or be Medicare Eligible
Dependent Child covered to age 19 / 24 FTUS
Teladoc $0 Copay is available

22. Top 5 Prescriptions written
1-800-Teladoc
( )
How to Get Teladoc?
You MUST enroll in one of the District sponsored medical plans.
PPO Gold & PPO Silver
HDHP $3,000
The District is paying 100% of the cost!
Your dependents DO NOT have to be enrolled under the District sponsored medical plan to use Teladoc!
$0.00 Consultation Fee !!!!!
Examples of common calls to Teladoc…..
Top 5 Prescriptions written
Sinus Infections
Common Cold
Pink Eye
Flu
Allergies
Bronchitis
Antibiotics
Antihistamines
Cough suppressants
Anti-bacterial medications
Anti-fungal medications
Ear Infections
Bladder Infections
UTI
Upper Respiratory Infection

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

24. Dental - PPO with MetLife

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

26. Vision - EyeMed

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

28. Basic Life/AD&D Insurance
To cover your dependents you must first purchase coverage for yourself. If you declined coverage when first eligible you will need to complete a medical form and possibly be subject to blood/urine and other requested testing before being approved for coverage

29. Voluntary Life/AD&D Insurance
If already enrolled – carrier giving you same benefit without having to provide EOI
To cover your dependents you must first purchase coverage for yourself. If you declined coverage when first eligible you will need to complete a medical form and possibly be subject to blood/urine and other requested testing before being approved for coverage

30. FSA: Flexible Spending Account
Intent: Provide any additional info relevant to current prospect.
FSA: Flexible Spending Account

31. Flexible Spending Account (FSA)
CANNOT have if enrolled in HSA-HDHP
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!

32. 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

33. Intent: Provide any additional info relevant to current prospect.
Individual Voluntary

34. Benefit Highlights
Individual Voluntary Insurance: The District is continuing to offer its employees voluntary benefits in association with the First Financial Group of America to meet your individual needs.
Individual Life: Texas Life
Buy-Up Short-Term Disability: MetLife
Cancer: American Fidelity Assurance
Accident: American Fidelity Assurance
403b
457b

35. Pharmacy Discount Card
Sign up for FREE at
Enter the Promo Code: Bagnall
Enter the requested information to register and Singlecare will mail a personalized ID card with benefit discount information to your home!
Use your computer or Smart Phone to access pharmacies in your area to find the lowest cost!
You can store your debit card or FSA card for easy payment
REMINDER: When you use the discount program the cost of your medications or services is not applied to your deductible or out of pocket maximum.
See the “Discount Program – Singlecare” tab on the employee benefit website for more information
Excellent to use when:
Your medication is not covered by insurance
Insurance limits your supply
MRI or lab work discounts
Take a card for friends or family

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

37. All employees must complete enrollment by MAY 12, 2017
Make sure to take advantage of guarantee issue amounts that only apply when you are first eligible for coverage!
Benefits Begin JULY 1, 2017
Annual Enrollment begins
APRIL 21, 2017 and ends MAY 12, 2017
Deadline to enroll for coverages is MAY 12, 2017 !

38. 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