1. Welcome to Benefits Enrollment
November 14 - November 30, 2016

2. Today, you will Address savings opportunities
Get an overview of your Medical plan options
Address savings opportunities
Review New Opportunities to protect your family Assets

3. Medical Plan Options CORE PLAN $2000 - 100% HSA with Preventive Rx
Non-Embedded
Preventive Care
100% Coverage
Deductible
Individual Contract
Family Contract
$2,000
$4,000
Out of Pocket Maximum
District HSA Contribution
$1,650
$3,300
Total Monthly Premium Single
Family $
$1,704.07
Employee Monthly Premium
Certified Staff and 12-Month Employees*
Single
$ 49.60 $
*Benefit prorated based on FTE
*9-Month Employees
Please contact the District office for your pro-rated premium
BUY-DOWN PLAN
$ % HSA with Preventive Rx
Embedded
Preventive Care
100% Coverage
Deductible
Per Person
Per Family
$3,500
$7,000
Out of Pocket Maximum
District HSA Contribution
Individual Contract
Family Contract
$2,048.59
$4,203.86
Total Monthly Premium Single
Family
$668.76
$1,516.28
Employee Monthly Premium
Certified Staff and 12-Month Employees*
Single
$ 0.00
*Benefit prorated based on FTE
*9-Month Employees
Please contact the District office for your pro-rated premium

4. Individual Contract Maximum Employee Spend
Maximum Exposure
BUY-DOWN PLAN
$ % HSA with Preventive Rx
Embedded
Employee Annual Premium:
Individual Contract
Family Contract $0
Annual Deductible:
$3,500
$7,000
Maximum Exposure (before HSA)
District HSA Contribution
$2,049
$4,204
Individual Contract Maximum Employee Spend
$1,451
Family Contact Maximum Employee Spend:
First Family member
All Remaining Family Members
$2,796
CORE PLAN
$ % HSA with Preventive Rx
Non-Embedded
Employee Annual Premium:
Individual Contract
Family Contract
$595
$1,350
Annual Deductible:
$2,000
$4,000
Maximum Exposure (before HSA)
$2,595
$5,350
District HSA Contribution
$1,650
$3,300
Maximum Employee Spend:
$ 945
$2,050
What you are saving in premium dollars will become taxable income….save yourself tax dollars by investing it in your HSA
Invest Savings in HSA or 403(b)

5. HSA Contributions Reduce your taxable income by investing in the HSA!
Coverage Type
Maximum Contribution
District
Contribution CORE PLAN
Employee
Maximum Contribution CORE PLAN
District Contribution BUY-DOWN PLAN
Maximum Contribution BUY-DOWN PLAN
Single
$3,400
$1,650
$1,750
$2,048.59
$1,351.41
Family
$6,750
$3,300
$3,450
$4,203.86
$2,546.14
Reduce your taxable income by investing in the HSA!
Premium savings between current traditional and Core Single; Family
Premium savings between current traditional and Buy-Down Single; 2, Family
Participants age 55 or older who are not enrolled in Medicare, are eligible to make a catch up contribution of up to $1,000 over the Maximum Annual Contribution shown above
Review HSA Eligibility Guidelines on page 6 & 7 of Benefit Decision Guide

6. Value Added Resources Healthy Pregnancy Program
Medica CallLinkSM Nurseline
Main Street Medica
Employee Assistance Program
Work-life benefits
Tobacco Cessation Program
Fit Choices® by Medica Health club reimbursement
My Health Rewards by MedicaSM
HSA

7. Medica Health Rewards

8. (Established Patient)
Be Cost Conscious
Condition
Primary Care Clinic
(Established Patient)
Convenience
Care
Urgent Care
Center
Emergency
Department
Allergies
$189
$65
$200
$545
Bronchitis, Acute
$595
Bronchitis, Chronic
$185
$214
$665
Earache
$181
$210
$600
Pharyngitis (sore throat)
$198
$224
$625
Pink Eye
$176
$202
$570
Sinusitis
$212
$617
Strep Throat
$193
$223
$531
Upper Respiratory Infection
$183
$211
$586
Urinary Tract Infection
For illustrative purposes only. Not actual pricing.
=$45

9. Cost is $45 instead of ER or Urgent Care
No charge if they cannot treat
Simple, convenient and safe
Treats over 55 common conditions
98 percent of customers highly recommend*
Easy to use
When you visit virtuwell.com, you take a quick online interview. Then, a nurse practitioner looks at your answers, completes your personal diagnosis and sends you a treatment plan with a prescription, if needed.
If you need to see a doctor in person, virtuwell will tell you before you enter any personal information. It’s that easy.
If you’re not completely satisfied with your experience — for any reason — virtuwell will refund your money.
Saves you money
virtuwell costs just $45 — less than the cost of going to the doctor. If you use your HealthPartners insurance, you’ll pay the same amount as a convenience clinic visit.
Treats many common illnesses
virtuwell treats over 55 common conditions including:
• Cold
• Cough
• Allergy
• Flu
• Pinkeye
• Sinus infection
• Acne
• Bladder infection
• Yeast infection
• Lice
• Stye
• Rashes and other skin irritations
*Source: virtuwell patient satisfaction survey

10. Pharmacy Savings Opportunity
Every 1% in generic use saves 7% in drug trend
Every 1% in generic use saves 7% in drug spend

11. How much do you have to pay?
Therapeutic Use
Non-Formulary or Brand-Name Drug Name
AWP for 30-Day Supply*
Generic or Formulary Alternative Drug Name
Generic or Formulary Alternative Savings
High cholesterol
Lipitor® - 20 mg.
$136.20
Simvastatin - 40 mg.
$26.70
$109.50
Heartburn, ulcer treatment
Nexium® - 20 mg.
$163.80
Omeprazole - 20 mg.
$32.10
$131.70
Depression
Celexa® - 20 mg.
$99.60
Citalopram - 20 mg.
$6.90
$92.70
Allergies, rhinitis
Flonase® - nasal spray
$94.70
Fluticasone-nasal spray
$45.90
$48.80
Insomnia
Ambien® - 10 mg.
$154.20
Zolpidem - 10 mg.
$65.70
$88.50
Bacterial infection
Zithromax® mg.
$57.70
Azithromycin mg.
$28.70
$29.00
Zyrtec® - 10 mg.
$76.50
Loratadine - 10 mg.
$4.50
$72.00
High blood pressure
Altace® - 10 mg.
$71.70
Lisinopril - 10 mg.
$3.30
$68.40
For illustrative purposes only. Not actual pricing.

12. Flexible Spending Account
Medical FSA - $2,550 Limit
Standard
Medical, Dental, Vision,
Limited Purpose
Dental & Vision Only
Dependent Care FSA - $5,000 Limit
Note: use it or lose it applies
Like an HSA, funds set aside in a Flexible Spending Account are excluded from taxable income

13. Consider your Tax Savings
With HSA or FSA
W/O HSA or FSA
Gross Income
$40,000
Your HSA Contribution
$2,500 $0
Net Taxable Income
$37,500
Taxes
-$5,161
-$5,771
Take Home Pay
$32,339
$34,229
Pay + Tax Deferred Savings
$34,839
Savings due to reduced Taxation
$610

14. Find a participating provider:
Your Dental Benefits
Type of Service
Dental Benefit
In-Network
Deductible
None
Preventive Services
100%
Basic Services (i.e. sealants, fillings)
80%
Major Services (i.e. crowns, dentures)
Orthodontia
50%
Orthodontia Lifetime Maximum
$1,500
Calendar Year Maximum
$1,000
Find a participating provider:

15. Your Vision Benefits Find a participating provider:
Type of Services
Vision Benefit
In-Network
Vision Network
Davis Vision
Exams (every 12 months)
$10 copay then 100%
Lenses (every 12 months)
See Benefit Schedule
Contacts in lieu of eye glasses (every 12 months)
$25 copay then $100 allowance
Frames (every 24 months)
Fashion $0 Copay, Designer $20 Copay, Premium $40 Copay
$100 allowance
Laser Vision Correction
Up to 25% off retail
Find a participating provider:

16. Social Security Normal Retirement Age (SSNRA)
Your Income Protection Plans
Employee Paid
STD Benefit Overview
Benefit Begins
1st day of an accident,
4th day of an illness
Benefit Duration
13 weeks
Weekly Benefit
66 2/3% of weekly pay
Maximum Benefit
$750
Guarantee Issue
$350
Pre-existing Condition Limits
6 / 12 Months
Rate per $10 of benefit
$0.082
District Paid
LTD Benefit Overview
Benefit Begins
9 days
Benefit Duration
Social Security Normal Retirement Age (SSNRA)
Monthly Benefit
90% of monthly salary
Maximum Benefit
$10,500 Month

17. Your Life Plans One Time Opportunity for GUARANTEED Coverage
District Paid
Term Life and AD&D
Life Benefit
1x Earnings*
AD&D Benefit
Same as life benefit
*Earnings is calculated on both your annual salary and any extra - curricular
Age reduction schedule applies. See plan certificate for details.
One Time Opportunity
for
GUARANTEED Coverage
Employee Paid Voluntary Term Life and AD&D
Employee Benefit
Minimum of $10,000
Maximum of $500,000 not to exceed 5x earnings
Guarantee Issue of $110,000
Spouse Benefit
Minimum of $5,000
Maximum up to 100% of employee amount
Guarantee Issue = $25,000
Child(ren) Benefit
Minimum of $2,000
Maximum of $10,000
Guarantee Issue = $10,000
You must elect life coverage for yourself in order to cover your spouse and/or children.

18. Voluntary Life Plan To insure your insurability:
Employees $10,000
Spouse $5,000
Child(ren) $2,000
HSA & FSA forms required!! Those current elections will not automatically continue.

19. Invest for Retirement
Year
Basic Elective
Contribution Limit
Age 50+ Catch-Up
2017
$18,500
$6,000
*2017 contribution limits are estimates only, final figures will be released by the IRS by the end of 2016.

20. All Employees Must Take Action!!

21. Open Enrollment Ends November 30, 2016
All forms must be returned to Elaine before the
end of Open Enrollment