1. Houston County Board of Education New Employee Benefits Orientation 2015 Benefits

2. This is a brief overview of your Houston County Board of Education benefits, the enrollment process and your benefits resources. Please review the presentation and the New Employee Guide and elect your benefits. This information is a summary. Refer to the Plan documents for additional details. ABOUT THIS ORIENTATION

3. Benefits Plan Year = Calendar Year (January – December) New Employee benefits Begin the 1 st of the month following a full month worked Monthly payroll deductions No changes until Open Enrollment without Qualifying Life Event Open Enrollment is mid Oct – mid Nov for Jan 1 coverage Qualifying Events (i.e. marriage, birth, loss/gain of coverage) – changes allowed within 31 days of event ELIGIBILITY & PLAN YEAR INFORMATION

4. Enroll on-line to elect Dental, Life, Disability and Flexible Spending Accounts, access the Benefits Center: o Go to www.hcbe.netwww.hcbe.net o Click on the Benefits link on the left hand side of the homepage. Then click on the “Employee Benefits” link and select “Employee Benefits Center” to enter the enrollment portal o Click “First Time User,” enter your SSN and Date of Birth and create a password o Return to login screen o User ID: Your initials (first + middle + last initial) and last four digits of your Social Security Number. If no middle initial, use your first + last initial o Password: Enter the password you created (case sensitive) Call the Benefits Service Center (BSC) for benefits questions and assistance with website navigation/password resets: 866-671-0721 LOCAL BENEFITS ENROLLMENT

5. 1. Access www.hcbe.netwww.hcbe.net Click Benefits Click Employee Benefits Click Employee Benefits Center User Id: First+Middle+Last initial and the last 4 of your SSN Password: Enter your existing password or click the reset password button Ex: SNL9876 2. Login to Benefits Portal to begin enrollment

6. o Submit completed SHBP Enrollment or Declination Form HEALTH ENROLLMENT

7. o Deadline to enroll is midnight on New-Hire meeting day o Review Confirmation Statement for accuracy o Retain copy of SHBP Enrollment Form for your documentation o No changes during the year unless Qualifying Event ENROLLMENT DEADLINE

8. Before you enroll your dependents… Health/SHBP – Dependent children are eligible until age 26. Eligible through the end of the month of the 26 th birthday Local/Dental and Life – Dependents are eligible to age 19, or to age 26 if full-time student Is your spouse also an HCBE employee? -Avoid duplicate life or dental coverage ENROLLMENT INFORMATION

9. HCBE PAYS ALL OR PART State Health Benefit Plan Dental Basic Life Sick Leave Long Term Disability Retirement 2014 BENEFITS PORTFOLIO THINGS YOU BUY State Health Plan Dental Optional Life Dependent Life Short Term Disability Flexible Spending Accounts Retirement (TRS or PSERS) Supplemental RETR (403b/457/Roth)

10. STATE HEALTH BENEFIT PLANS (SHBP)

11. State Health Benefit Plan – o Review the 2015 Active Employee Decision Guide2015 Active Employee Decision Guide o Complete the SHBP Enrollment Form o Dependent documentation is required o Follow specific ADP instructions to add dependents to the medical plan o Transfers In o Confirm current SHBP coverage o No SHBP changes are permitted until next Open Enrollment ENROLLMENT INFORMATION

12. STATE HEALTH BENEFIT PLAN (SHBP)

13. bcbsga.com/SHBP SHBP 2015 PLAN OPTIONS HRA Gold, Silver, and Bronze No Copays welcometouhc.com/shbp HDHP (High Deductible Health Plan) Lowest premiums Highest deductible and out- of-pocket expense HMO Lower deductible Copays In-Network coverage only HMO Lower deductible Copays In-Network coverage only

14. YOUYOU + CHILD(REN) YOU + SPOUSE YOU + FAMILY BCBS HRA GOLD $166.08$300.38$405.52$539.84 BCBS HRA SILVER $108.64$202.74$284.90$379.00 BCBS HRA BRONZE $66.28$130.74$195.96$260.40 BCBS HMO$130.74$240.88$333.06$443.18 UHC HMO$181.32$326.86$439.26$584.80 UHC HDHP$53.02$108.74$169.84$225.56 MEDICAL MONTHLY PREMIUMS

15. BCBS HRA PLANS Three HRA plans with varying deductibles, coinsurance and HRA funding: Gold HRA Silver HRA Bronze HRA Medical services are subject to a deductible first, then coinsurance The HRA (Health Reimbursement Account) is board-funded and provides first dollar coverage which offsets your medical and pharmacy costs Unused HRA balances carry forward to future years if you remain in the HRA plan The HRA plans do not include copays Some drug costs are waived for participation in Disease Management (diabetes, asthma, coronary artery disease) Out-of-Pocket maximum includes deductibles and pharmacy expenses

16. BCBS and UHC HMO PLANS In-network coverage only Copays for Primary Care Physician and Specialist visits Most other services are subject to a deductible and coinsurance Out-of-pocket Maximum includes deductibles, copays and pharmacy expenses Some drug costs are waived for participation in Disease Management (diabetes, asthma, coronary artery disease)

17. UHC HDHP PLAN All services including pharmacy subject to deductible No copays Once you meet your deductible, you pay coinsurance until you meet the out-of-pocket maximum Lowest premiums Highest out-of-pocket costs for medical services

18. BENEFIT SUMMARY BCBS GOLD HRA BCBS SILVER HRA BCBS BRONZE HRA UHC & BCBS HMO UHC HDHP Deductible You$1,500$2,000$2,500$1,300$3,500 You + Child(ren)/Spouse$2,250$3,000$3,750$1,950$7,000 You + Family$3,000$4,000$5,000$2,600$7,000 Medical Out-Of-Pocket Maximum You$4,000$5,000$6,000$4,000$6,450 You + Child(ren)/Spouse$6,000$7,500$9,000$6,500$12,900 You + Family$8,000$10,000$12,000$9,000$12,900 Coinsurance (Plan Pays)85 %80 %75 %80 %70 % Medical PCP VisitCoins After Ded $35 CopayCoins After Ded Specialist VisitCoins After Ded $45 CopayCoins After Ded Plan Provided HRA Credits You$400$200$100N/A You + Spouse$600$300$150N/A You + Child(ren)$600$300$150N/A You + Family$800$400$200N/A

19. RETAIL PHARMACY BENEFITS HMO and HRA Plans

20. 2015 WELLNESS PROGRAM COMPLETE A WELL-BEING ASSESSMENT (WBA) AND A BIOMETRIC SCREENING EARN $240 IN WELL-BEING INCENTIVE CREDITS ($480 YOU AND SPOUSE) COMPLETE THE COACHING PATHWAY OR ONLINE PATHWAY EARN $240 IN WELL-BEING INCENTIVE CREDITS ($480 YOU AND SPOUSE) All SHBP plans offer Well-Being Inventive Credits Complete tasks between January 15, 2015 and December 15, 2015

21. 2015 WELLNESS PROGRAM HIGH DEDUCTIBLE HEALTH PLAN (HDHP) Before you can use your credits, you must meet this portion of your deductible: You: $1,300 You + Child(ren): $2,600 You + Spouse: $2,600 Family: $2,600

22. WHATS THE BEST PLAN FOR YOU? Review physician networks before making your health plan decision www.bcbsga.com/shbp www.welcometouhc.com/shbp

23. TRICARE SUPPLEMENT PLAN Coverage LevelTriCare Supplement Premiums You$60.50 You + Child(ren) or Spouse$119.50 You + Family$160.50 For retired military A supplement to your current TriCare benefits Contact www.asicorporation.com/ga_shbp for benefits informationwww.asicorporation.com/ga_shbp

24. PEACHCARE FOR KIDS Your children may be eligible for PeachCare Low cost health insurance Access www.peachcare.orgwww.peachcare.org Find out if you are eligible Apply for coverage

25. HCBE pays the majority of your health plan premium HCBE Contribution - Certified Employee $ 945.00 per month $ 11,340.00 per year HCBE Contribution - Classified Employee $ 596.20 per month $ 7,154.40 per year Medical Plan HCBE Contributions

26. Health Plan Questions? Review the Health Plan Decision Guide Blue Cross Blue Shield: 855-641-4862 www.bcbsga.com/shbp United Healthcare: 888-364-6352 www.welcometouhc.com/shbp Healthways: 888-616-6411 www.bewellshbp.com Express Scripts: 877-841-5227 www.dch.georgia.gov/shbp

27. Affordable Care Act Update SHBP coverage meets the Affordable Care Act’s (ACA) requirements to maintain essential benefits and minimum health value coverage The SHBP is intended to be affordable for all employees Employees may still elect coverage in the Marketplace, but are likely not eligible for a tax credit

28. LOCAL/HCBE BENEFITS

29. 29 GYM MEMBERSHIP @ Edge Fitness To further encourage your well-being: All HCBE full-time employees get: Free “Gold” level gym membership at the EDGE location of your choice Use of all equipment Free personal training session and boot camp class Other options at your cost: Platinum Membership at $ 10 per month Open access to all 3 locations Take a friend when you go 24-hour key is available for $20 (one time fee)

30. FLEXIBLE SPENDING ACCOUNT Optum Health FSA Plan Health Care FSA (medical/dental/vision costs) Dependent Care FSA (day care, ASP fees) Pre-tax contributions Monthly contributions help you budget for larger expenses Up to $500 can rollover to the new plan year – new! You don’t have to be enrolled in our plans to participate Claim expenses for all dependents claimed on taxes

31. FLEXIBLE SPENDING ACCOUNT Health Care FSA Expenses Medical and dental plan deductibles, coinsurance, pharmacy Vision expenses – Reminder: SHBP includes an exam benefit. Use your FSA account to purchase contacts/glasses Check the eligible expense list online About Your Health Care FSA Balance Your Annual Health Care FSA funds are available when benefits start No need to wait until the funds are in the account for reimbursement Annual HealthCare FSA max is $ 2,500 Health Care FSA participants may carry forward up to $500 of unused funds to next year

32. FLEXIBLE SPENDING ACCOUNT Dependent Care FSA Expenses Child day care and after school care for children up to age 13 Certain adult day care expense About your Dependent Care Account Dependent Care funds are available once applied to your account Wait until the money is in your account for reimbursement Annual Dependent Care FSA max is $ 5,000

33. Administration Administered by Optum Health – www.optumhealthfinancial.comwww.optumhealthfinancial.com Claims must be incurred by December 31st and submitted by February 28 th File Claims via fax, mail, or with Optum Health mobile app Or, Optum Health FSA Debit Card will be provided for automatic withdrawal of funds - Eliminates manual claim and reimbursement Keep all receipts, even for debit card purchases – documentation will be requested FLEXIBLE SPENDING ACCOUNT

34. DENTAL MetLife Dental Plan High and Low Dental Plan options In and out-of-network benefits Remain in-network to reduce out-of-pocket costs In-network providers - www.metlife.com/dentalwww.metlife.com/dental In the “Find a Dentist” box, select PDP Plus and follow instructions (PDP – “Preferred Dental Provider”)

35. DENTAL Declining Dental as a New Employee? If dental coverage is waived now, benefit restrictions will apply as a late entrant Late entrants covered for preventive care only for the first year of coverage Plan changes from Low to High during Open Enrollment have no benefit restrictions

36. DENTAL BENEFIT HIGHLIGHTS (refer to Certificate for additional details) Type of ServiceLow Plan (In-Network)High Plan (In-Network) Type A - Cleanings, exams, fluoride to age 19, x-rays, and more 100% Type B – Fillings, simple extractions, perio. maintenance, space maintainers, sealants for children, and more 60%80% Type C – Surgical extractions, bridges, crowns, dentures 50% Type D - Orthodontia50% PLAN DEDUCTIBLE & MAXIMUMS Low Plan (In-network)High Plan (In-network) DeductibleInd $75 / Fam $225Ind $50 / Fam $150 Annual Maximum$750 per person$1500 per person Ortho Maximum$750 per person$1500 per person

37. DENTAL Coverage Level Monthly Payroll Deduction Low Plan Monthly Payroll Deduction High Plan Employee Only$17.82$28.90 Employee + Spouse $41.15$63.49 Employee + Child(ren) $46.98$71.98 Family$77.95$114.25 HCBE contributes an additional $5 per month toward premium

38. LIFE INSURANCE ING Life Insurance Plan HCBE provides Basic Life Insurance in the amount of 1 times salary up to $50,000 at no cost to you Elect optional life at 1, 2, 3, 4, or 5 times salary As a new-hire, you may elect up to 3 times your salary with no medical questions Dependent Life coverage is available for your family too: Spouse - $ 5,000, $10,000 or $25,000 Child - $5,000 or $10,000 Elect dependent Life now with no medical questions Is your spouse an HCBE employee? If so, no need to enroll them (duplicate coverage is not permitted)

39. OPTIONAL LIFE SUMMARY OF BENEFITSRATES per $1,000 (for you & spouse) EmployeeBenefit Amount Benefit Maximum Guarantee Issue (GI) 1-5 times your basic yearly earnings Up to $500,000 $300,000 0 – 29$0.045 30 – 34$0.055 35 – 39$0.07 40 – 44$0.11 DependentSpouse$5,000 - Cost is $1.53 per month $10,000 - Age banded – use table to the right $25,000- Age-banded – use table to the right) 45 – 49$0.16 50 – 54$0.25 55 – 59$0.35 60 – 64 65 – 69 70+ $0.56 $0.78 $1.58 Child(ren)$5,000 - Cost is $.30 $10,000 - Cost is $.60 Benefit Reductions Due to Age Age 70-75: 65% Age 75-80: 45% Age 80+: 30% (applies to spouse $10k and $25k)

40. 40 SICK LEAVE Full-time employees accumulate sick leave at approximately 1.25 days per month Sick Leave balances appear on your paystub Three sick leave days can be used as personal leave each school term Request personal leave days in advance Use Sick Leave wisely There are advantages to accumulating your sick leave: - Once you reach 45 days, you earn a 4th personal leave day. At 60 days, you earn a 5th personal leave day - Accumulation of sick leave will reduce your disability premiums - TRS allows you to apply unused sick leave as service credit for retirement

41. 41 SHORT TERM DISABILITY ING STD Plan Provides income replacement in the event you are ill or injured and unable to work No medical questions or physical when enrolling as a new-hire Choose from 5 waiting periods: 7, 14, 30, 45, or 60 days STD benefits begin following the waiting period or after sick leave is exhausted (if sick leave balance is more than waiting period) Sick leave must be exhausted before the plan pays a benefit Elect up to 66 2/3% of your monthly salary Transferring in? If so, consider your sick leave balance. Up to 45 days can transfer in from another GA system

42. Waiting / Elimination Period Rates per $100 Monthly Benefit 7 days$2.29 14 days$1.25 30 days$1.10 45 days$0.96 60 days$0.86 OPTIONS AND RATES SUMMARY SHORT TERM DISABILITY Elect in $100 increments up to 66 2/3% of your salary The enrollment portal reflects all STD options and premiums

43. 43 LONG TERM DISABILITY ING LTD PLAN The HCBE provides this benefit at no cost to you Long Term Disability (LTD) benefits provide income replacement if you are unable to work for one year due to a personal disability LTD benefits are payable at 60% of pay up to $5,000 Benefits begin after 1 year of disability and continue to age 65. (See benefit schedule for disabilities occurring at age 60)

44. RETIREMENT PLANS

45. HCBE RETIREMENT Social Security Teacher’s Retirement System (TRS) or Public School Employees Retirement System (PSERS) Houston County Board of Education Supplemental Retirement Plan 45

46. TEACHER’S RETIREMENT SYSTEM (TRS) The following employees will be enrolled: Certified Teacher, Administrator, Clerical staff, Parapro, Lead Custodian, & School Nutrition Manager TRS is funded by you and HCBE: You contribute – 6% of pay HCBE contributes – 13.15% of pay For account information, annual statements, etc. go to: www.trsga.comwww.trsga.com 46

47. TEACHER’S RETIREMENT SYSTEM Employees are vested in TRS after 10 years of service Retirement Eligibility: after 30 years of service (no age requirement) after 10 years of service at age 60 after 25 years of service and before age 60 with reduced benefits reminder: accumulated sick leave adds to service credit TRS is a defined benefit plan and retirement is based on the average of your highest consecutive 2 years of pay –Calculation: 2% x Years of Service x Pay –Example:2% x 30 years = 60% Average of highest 24 consecutive months of pay = $ 70,000 60% x $ 70,000 = $ 42,000/year 47

48. PUBLIC SCHOOL EMPLOYEES RETIREMENT SYSTEM (PSERS) Transportation, School Nutrition, Maintenance and Custodial staff participate in PSERS You contribute $ 10 per month for 9 months a year You are vested at 10 years of service and are eligible to retire: - at age 65 with 10 years of service - at age 60 with 10 years of service at a reduced benefit Monthly retirement benefits are based on $ 14.75/month for each year of service Example: $ 14.75 x 30 years = $ 442.50 per month 48

49. SUPPLEMENTAL RETIREMENT PLAN 403(b)/457 and ROTH If you wish to save more for retirement, you can save with pre-tax contributions or enroll in a ROTH account and defer taxes later when you withdraw monies. For PSERS employees – HCBE will match your savings $ 1 for $ 1 up to 5% of your pay Example: If you earn $ 2,000 a month 5% of your pay = $ 100 If you save $ 100* in the Supplemental Retirement Plan HCBE matches it with $ 100 That’s $ 200/month going into your account *Contributions are pre-taxed, so $ 100 is really about $ 50 out of your pay Contact John Lamberth, our local VALIC advisor at 478-319-7832 for more info. 49

50. RETIREMENT PLANS Houston County Board of Education retirees with PSERS & TRS can keep health, dental and life coverage into retirement. 50

51. 1. Houston County Board of Education Benefits Service Center (BSC) Benefits Enrollment Portal & Website Navigation Hours of Operation 8am - 6pm Mon - Thurs. 8am to 5pm Fri. 866-671-0721 2. Access the enrollment portal during the year to review your current benefits 3. Houston County Board of Education Human Resources/Benefits Department YOUR BENEFITS RESOURCES

52. THANK YOU