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

2. 2017 Willcox Unified School District Employee Benefits
What to Know

3. Benefit Eligibility
Active full time employee working 30 or more hours per week.
Effective date of coverage is 1st of the month following date of hire.
Employees have 30 days from their date of hire to enroll or decline benefits. If you do not elect when first eligible you will need to wait until the next open enrollment period to enroll or make any changes.
Employees will have 30 days from a mid-year qualifying event to enroll in coverage or make any changes. Examples of mid- year qualifying events:
Marriage
Divorce / Legal Separation
Birth / Adoption / Change in Legal Guardianship
Enrollment in a Marketplace during the special open enrollment period held November - January

4. Highlights
MEDICAL: Coverage provided through Kairos (formerly called APEHP same networks) utilizing the BCBS network. Employees will have the below 4 plan options:
Core Plan $500 PPO
Copay Plan $750 PPO
HDHP $1,500 Deductible
HDHP $2,500 Deductible
HDHP $5,000 Deductible
Those electing a HDHP will have a Health Savings Account through Health Equity and the employer will contribute monthly to your account. The amount contributed is based on the plan elected.
Employee Assistance Program (EAP): provided by the District through Kairos with current carrier – EAP Preferred
Flexible Spending Account (FSA): will no longer be offered as of 7/1/17

5. 2017 Highlights Vision Insurance: Available through Avesis
Dental Insurance: 2 plans to choose from
PPO Dental plan through Delta Dental
Prepaid Dental through Employers Dental Service (EDS): The District will pay for 100% of the “employee only” cost for the Employers Dental Service Prepaid plan.
Life Insurance:
The District provides Life/AD&D at 1 x your salary up to $80,000.
Option to purchase additional Life coverage through convenient payroll deductions! Guarantee Issue available only during your initial eligibility.
Individual Voluntary Benefits - AFLAC

6. Willcox Employee Benefit Website
To access the Website:
1. Go to
2. Click the “Benefits Login” button
3. Enter the following password in all lowercase letters: willcox

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

8. 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 July 1 – June 30 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 July 1 – June 30 for covered services.

9. Medical – HSA-HDHP Plans

10. Medical – HSA-HDHP Plans

11. Medical – HSA-HDHP Pharmacy

12. PPO Medical Plan Options

13. PPO Medical Plan Options

14. PPO Medical Plan Options Prescription Coverage

15. What does an HSA handle VS. Medical Plan if I enroll in the HDHP?
HSA-HDHP
Two Components
THE INSURANCE PIECE
Access to a network of Blue Cross Blue Shield contracted providers
Customer service
THE HEALTH SAVINGS ACCOUNT PIECE
Investment options
Rolls over from one year to the next
Provides the debit card
Kairos Medical Plan
$ Deductible
Bank Account
HealthEquity

16. HSA “How To” – Doctor Visits
Participant goes to the doctor
Participant should not have to pay at time of service. *
Physician/facility sends Kairos the bill
Kairos adjusts price based on discounts and processes the claim
Physician/facility sends bill to participant
Participant pays the physician/facility with HSA debit card
* Some facilities may require a small payment at time of service.

17. HSA “How To” – Pharmacy Prescriptions
Participant goes to the pharmacy
Participant shows ID card
Pharmacy applies discount
Participant pays with HSA debit card
Pharmacy sends claim to Kairos
Kairos applies amount of the Rx to the participant’s deductible – no paper work required

18. Who is Eligible for the Health Savings Account?
You must be covered under one of the three HSA-HDHP plans
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 District
Family $ 6,750 less contributions made by District
Age 55 < Medicare? $1,000 Catch-up

19. 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
District HSA contributions: $1,500 HDHP - $0 per month; $2,500 HDHP - $43.99 per month; and $5,000 - $ per month
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!!!

20. What to think about under an HSA-HDHP
I must meet the Deductible for ALL Services
Medical – Physician Office Visits, Inpatient Hospital and Surgery
Pharmacy
Urgent Care & Emergency Room
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

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

22. Vision - Avesis

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

24. Dental – Prepaid EDS Lower cost alternative to the Dental PPO options
Must use a Dentist within the EDS Dental Network
No annual maximum

25. Dental – PPO Delta Dental

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

27. 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

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

30. Individual Voluntary Benefits
AFLAC offers benefits for you to meet your individual needs.
Accident
Short-Term Disability
Hospital

31. Employee Assistance Program (EAP) - Kairos
100% Confidential
Toll Free
Website
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.
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

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

33. All employees waiving coverage must complete enrollment forms for ALL coverages declining benefits.
ALL employees must complete a NEW HSA Contribution form.
Benefits Begin JULY 1, 2017
Annual Enrollment begins:
Meetings
April 26th and 27th, 2017
Enrollment
May 1st through MAY 11th, 2017
Deadline to enroll for coverages is MAY 11, 2017 !

34. 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:
Lisa Moore, Marketing Analyst
Direct:
Gallagher Benefit Services, Inc.
Main
Fax