1. Where Benefits Meet Technology
2018 Benefit Plan Overview

2. pre-existing limitations.
The content of this Power Point is designed only for communication purposes and is not to be considered a contract, nor does it guarantee or imply coverage. Consult your plan booklet or Administrator for detailed coverage or
pre-existing limitations.

3. Section 125 Cafeteria Plan
Special rules and requirements to receive the pre-tax benefit election plan privileges:
Frenship ISD must set a plan year. The district’s plan year is January 1 to
December 31 of each year.
Although coverage is voluntary, every employee is required to review
their current elections, make changes if desired and *sign a Section 125
Benefit Election Form.
Any pre-tax elections will remain in effect unless you have a qualified
change in family status. Changes must be made within 31 days of the
event.
Any pre-tax elections will remain in effect and cannot be revoked or
changed during the plan year unless you have one of the following:
Marriage, Divorce, Birth/Adoption, Death, Change in Dependent Eligibility, etc.

4. Time to Enroll!

5. Time to Enroll!

6. Time to Enroll!

7. Health Savings Account Information
Individual Annual Maximum: $3,450
Family Annual Maximum: $6,900
HSA Eligible Participants: Employees that contribute to an HSA account are restricted to a limited-purpose Health FSA, for reimbursement of dental and vision care expenses only.

8. Medical Gap Insurance · Kemper
Designed to cover your out-of-pocket expenses such deductibles and co-insurance.
In-Hospital Benefit: pays up to the maximum amount chosen for Covered Charges incurred when a Covered Person is confined in a Hospital for 15 hours. $2,000 or $3,000 in-patient benefit available.
Outpatient Benefits: pays $400 or $600 benefit for Covered Charges incurred for treatment in a Hospital Emergency Room, outpatient facility or a free-standing outpatient surgery center. *Same condition must be separated by 90 days.
Must participate in Districts Medical Plan to be eligible for this Benefit.

9. Medical Gap Insurance (HSA Compliant)· Kemper
Designed to cover your out-of-pocket expenses such as deductibles and co-insurance.
In-Hospital Benefit: pays up to the maximum amount chosen for Covered Charges incurred when a Covered Person is confined in a Hospital for 15 hours. $3,000 or $4,000 in-patient benefit available.
Outpatient Benefits: pays a $600 or $800 benefit for Covered Charges incurred for treatment in a Hospital Emergency Room, outpatient facility or a free-standing outpatient surgery center. *Same condition must be separated by 90 days.
Deductible: Employees contributing to a HSA are eligible for a HSA Compliant GAP plan. A deductible is required to be met of, $1,300 for individual and $2,600 for family, before GAP benefits are paid.
Must participate in Districts Medical Plan to be eligible for this Benefit.

10. Telehealth · Healthiestyou
Telehealth is 24/7 access to a doctor via phone, video and for the diagnosis and treatment of illness, second opinions and common conditions. An estimated 80% of primary care, urgent care and emergency room visits can be avoided using Healthiestyou's telehealth services. Improved patient outcomes, better access to care and tremendous time and cost savings can be achieved through healthiestyou. Telehealth can deliver medical services where they are needed most, and remove barriers of time, distance, and provider scarcities.
Plan is $12.00 for the Family!

11. Direct Reimbursement Dental Plan
You are covered at 100% of the 1st $100
You are covered at 80% of the next $250
You are covered at 50% of the next $1,400
Annual maximum benefit per covered person is $1,200
Orthodontia is covered for participants and has a lifetime benefit of $1,000. Benefits are paid just like they are on dental.
Exclusions: cosmetic dentistry, implants, TMJ
Use of the NBS Flex Card is prohibited with dental claims; you must file a paper flex claim.

12. Vision Insurance · Superior Vision
Eye Exam Co-Pay $10
Eyewear Co-Pay $20
Contact Lens Fitting Co-pay $25
Frame allowance $125 Retail (in-network).
Lenses allowance Paid In Full (in-network).
Contact Lenses allowance up to $150 Retail (in-network).
Vision examination allowed once every 12 months.
Frames allowed once every 12 months.
Lenses allowed once every 12 months.
Contact Lenses allowed once every 12 months.
Contact Lenses fitting fee once every 12 months.

13. Long-Term Disability Insurance · The Hartford
New Carrier, Reduced Rates!
Coverage is Guarantee Issue, no health questions asked!
You may choose coverage that will pay a monthly benefit of 30%, 40%, 50% or 60% of your monthly income, to a max monthly benefit of $7,500.
You may choose waiting periods in days of: 0/7, 14/14, 30/30, 60/60, 90/90 and 180/180, based on your individual needs.
New coverage and increased benefits amounts are subject to a 12 month pre-existing condition exclusion.
3/12 Pre-Existing Exclusion, if your disability is a result of a pre-existing condition, benefits will be paid for a maximum of 4 weeks.
Benefits can last while you are under a doctor’s care to age 65 due to illness or injury.
Claims are processed Telephonically.

14. Group Cancer Insurance · Loyal American
Very Competitive Rates.
High Option and Low Option
Annual Cancer Screening Benefit: $50 per calendar year.
First Occurrence Benefit: High Option $2,000, Low Option $500.
Daily Radiation/Chemotherapy Benefit: High Option $400, Low Option $200.
Daily Hospital Confinement Benefit: High Option $200/Day, Low Option $100/Day.
Optional ICU Benefit: $1,000/Day for the 1st 30 days of ICU Confinement.
Optional Specified Disease Benefit: Available with ICU Benefit.
Transportation and Lodging: $0.50 per mile and up to $75/Day for Lodging.

15. Accident Insurance · American Public Life
Benefits are paid directly to you!
No Medical Questions!
Pays regardless of any other medical coverage.
Protects you 24 hours a day on or off the job.
Issue ages for employee and spouse are
Policy is guaranteed renewable up to age 70.
Benefits are available from 1 to 4 units.
There is no limit on the number of accidents covered.

16. Frenship ISD provides a $20,000 Basic Life and AD&D policy at
Basic Life and AD&D Insurance
Frenship ISD provides a $20,000 Basic Life and AD&D policy at
No Cost to the Employee!
*For Employees working 30 hours or more per week.

17. Voluntary Group Life Insurance · One America
New Carrier, Guaranteed Issue!
New and existing employees can purchase up to $200K for themselves, $50K for their spouse and $10K for children with no medical questions!
Available Coverage Amounts:
Employees may elect coverage in $10,000 increments up to $500,000 not to exceed 5 times annual salary.
Employees may elect up to 50% of the employee’s amount on their spouse.
Children may be insured for $10,000 for $1.00 with one rate for all children.
Employees can elect AD&D coverage on a stand alone basis. AD&D is available for both employee only or for the employee and family.

18. Employee Assistance Program· One America
Company Sponsored Program provides support, resources and information for personal and work-life issues.
Offered to benefit eligible employees and dependents at no additional cost.
ComPsych GuidanceResources Includes:
Confidential Counseling
Financial Information and Resources
Legal Support and Resources
Work-Life Solutions
Guidance Resources Online
Free Online Will Preparation

19. Individual Life Insurance · 5 Star
New Carrier, Guaranteed Issue!
Guaranteed renewable, portable and premiums remain the level to age 100.
Family Protection: You can cover yourself, your spouse, children and even your grandchildren without covering yourself. (ages 14 days through 23 years)
Terminal Illness Benefit: Pays you 30% of your coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of 12 months or less.
Quality of Life Benefit: Following a diagnosis of either a chronic illness or cognitive impairment, the QOL Rider accelerates a portion of the death benefit on a monthly basis – 4%, up to 75% of your benefit.

20. Emergency Transportation · MASA
MASA provides medical emergency transportation solutions AND covers your out of pocket medical transport cost when your insurance falls short.
No Networks, Nationwide Coverage.
Emergency Ground Ambulance and Emergency Helicopter Transport.
$9.00 per month, per employee only or family coverage.
Just send them your bill and they take care of the rest!

21. Flex Plan Admin · National Benefit Services
Plan Maximum: $2,650 Annually.
Flex funds are front loaded and available to you at the beginning of plan year on a MasterCard.
Services must be incurred in plan year.
2 ½ month grace period to incur claims following plan year.
90 day grace period to file claims following plan year.
Can be used for all IRS Classified Dependents.
“Use it or lose it”
Examples are:
Doctor Office Co-Payments
Prescription Co-Payments
Dental Expenses (paper flex claim only)
Vision – Glasses, Contacts, etc.

22. Dependent Care Reimbursement Account · NBS
Tax Free Account for eligible Dependent/Child Care Expenses.
Tax Free Deduction via payroll vs. deduction on income tax.
Annual Maximum: $5,000 for married couple filing jointly or head of household or $2,500 if filing single.

23. Thank You!