Houston County Board of Education New Employee Benefits Orientation 2014 Benefits

Houston County Board of Education Benefits Orientation 2014 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

Houston County Board of Education Benefits Orientation 2014 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

Houston County Board of Education Benefits Orientation 2014 Local Benefits – Enroll Online To elect Dental, Life, Disability and Flexible Spending Accounts, access the Benefits Center: o Go to 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 assistance with website navigation and password resets at ENROLLMENT INFORMATION

Houston County Board of Education Benefits Orientation

Houston County Board of Education Benefits Orientation 2014 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

Houston County Board of Education Benefits Orientation 2014 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

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) Houston County Board of Education Benefits Orientation 2014

STATE HEALTH BENEFIT PLANS (SHBP) Houston County Board of Education Benefits Orientation 2014

State Health Benefit Plan – o Review the 2014 Active Employee Decision Guide o Completed the SHBP Enrollment Form o Dependent documentation is required o Transfers In o Confirm current SHBP coverage o No SHBP changes are permitted until next Open Enrollment ENROLLMENT INFORMATION

2014 Health Plan Options Choose from three options: –HRA Gold –HRA Silver –HRA Bronze Options have varying deductibles, coinsurance, out-of- pockets and HRA credits All are Health Reimbursement Accounts (HRA) TRICARE Supplement is also available Houston County Board of Education Benefits Orientation 2014

How the HRA Medical Plans Work In-network preventive care is covered 100% For pharmacy and office visits, you pay a copay For tests, and hospitalization - you pay deductible and coinsurance The deductible is reduced by your HRA funds Once the deductible is met, you pay % until the out-of-pocket max is reached Out-of-pocket max includes the deductible, does not include pharmacy copays The HRA is available for your deductible and pharmacy expenses Houston County Board of Education Benefits Orientation 2014

2014 Health Plans Gold PlanSilver PlanBronze Plan Medical BenefitsNetwork ProviderOut-of-NetworkNetwork ProviderOut-of-NetworkNetwork ProviderOut-of-Network Deductible* You$1,500$3,000$2,000$4,000$2,500$5,000 You + Child(ren) or Spouse$2,250$4,500$3,000$6,000$3,750$7,500 You + Family$3,000$6,000$4,000$8,000$5,000$10,000 Plan Pays85%60%*80%60%*75%60%* ACA Preventive Care100%Not covered100%Not covered100%Not covered Out-of-Pocket Limit* You$4,000$8,000$5,000$10,000$6,000$12,000 You + Child(ren) or Spouse$6,000$12,000$7,500$15,000$9,000$18,000 You + Family$8,000$16,000$10,000$20,000$12,000$24,000 Base HRA Contribution You$400$200$100 You + Child(ren) or Spouse$600$300$150 You + Family$800$400$200 Covered Services Primary Care Physician or Specialist Office 100% coverage after $35 PCP Copay or $45 SPEC Co-pay 40% Co-Insurance after Deductible 100% coverage after $35 PCP Copay or $45 SPEC Co-pay 40% Co-Insurance after Deductible 100% coverage after $35 PCP Copay or $45 SPEC Co-pay 40% Co-Insurance after Deductible Urgent Care100% coverage after $35 Co-payment 40% Co-Insurance after Deductible 100% coverage after $35 Co-payment 40% Co-Insurance after Deductible 100% coverage after $35 Co-payment 40% Co-Insurance after Deductible Emergency Room100% coverage after $150 co-payment; waived if admitted 40% Co-Insurance after Deductible 100% coverage after $150 co-payment; waived if admitted 40% Co-Insurance after Deductible 100% coverage after $150 co-payment; waived if admitted 40% Co-Insurance after Deductible Pharmacy Benefits Tier 1 (up to 31 day supply) **/*** $20 Tier 2 (up to 31 day supply) **/*** $50 Tier 3 (up to 31 day supply) **/*** $80 * See ACA Glossary of Health Coverage and Medical Terms for definition **HRA dollars will be applicable for pharmacy co-payment ***Pharmacy co-payments are not subject to the Deductible or out-of-pocket maximum. This is a high level plan design summary.

All 3 plans have the following pharmacy benefits: Up to 31 day supply Tier 1: $20 Co-pay Tier 2: $50 Co-pay Tier 3: $80 Co-pay 90 Day Supply for maintenance drugs from a mail order OR at participating 90 Day Retail Network Pharmacies Tier 1: $50 Co-pay Tier 2: $125 Co-pay Tier 3: $200 Co-pay 90 Day Supply for maintenance drugs from a Retail Network Pharmacy which is not part of the 90 Day Retail Network Pharmacies Tier 1: $60 Co-pay Tier 2: $150 Co-pay Tier 3: $240 Co-pay Pharmacy Co-payments are Not subject to the deductible or out- of-pocket maximums SHBP Pharmacy Benefit

The Benefits of a Health Reimbursement Account (HRA) HRA dollars reduce your health plan costs (ex: Deductibles, Pharmacy Expenses) Any unused HRA credits roll over for future health expenses HRA credits are applied when you enroll Earn Bonus HRA credits by completing wellness tasks Houston County Board of Education Benefits Orientation 2014

2014 HRA Wellness Incentives Wellness incentives = Bonus HRA credits Earn $480 for member plus an additional $480 for covered spouse HRA Credits are applied once the wellness tasks are completed Complete the wellness tasks any time during the year Houston County Board of Education Benefits Orientation 2014

2014 Wellness Incentives 17 What to DOWhat you EARN 1. Assess Your Health Healthways Well-Being Assessment® (WBA) Complete both and earn $240 in HRA fund contributions (WBA must be completed prior to HRA fund distribution.) 2. Know Your Numbers Biometric screening. Submit results (body mass index, blood pressure, cholesterol, glucose). Screening completed at an SHBP sponsored screening event or by your physician or other providers identified by SHBP in published materials. 3. TAKE Action It’s your choice! Complete the coaching or online pathway or a combination of both. Coaching Pathway Create your Well-Being Plan. Actively engage in telephonic coaching. Online Pathway Create your Well-Being Plan. Record 5 online well-being activities using the same tracker in a month and earn $40 HRA funds. You can earn this for up to 6 months. Sample activities: track exercise five times, record daily steps five times, track food five times. Earn up to $240 in HRA fund contributions (WBA must be completed prior to HRA fund distribution.) Houston County Board of Education Benefits Orientation 2014

2014 Health Plan Premiums Coverage LevelGold Monthly Employee Cost Silver Monthly Employee Cost Bronze Monthly Employee Cost You$166.08$108.64$66.28 You + Child(ren)$300.38$202.74$ You + Spouse$405.52$284.90$ You + Family$539.84$379.00$ Note: Add $80 for tobacco surcharge Coverage LevelTriCare Supplement Rate You$60.50 You + Child(ren) or Spouse$ You + Family$160.50

HCBE pays the majority of your health plan premium HCBE Contribution - Certified Employee $ per month $ 11, per year HCBE Contribution - Classified Employee $ per month $ 7, per year Houston County Board of Education Benefits Orientation 2014 Medical Plan - HCBE Contributions

Health Plan Questions? Review the Health Plan Decision Guide Blue Cross Blue Shield: Healthways: Express Scripts: Houston County Board of Education Benefits Orientation 2014

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 Houston County Board of Education Benefits Orientation 2014

LOCAL/HCBE BENEFITS Houston County Board of Education Benefits Orientation 2014

23 GYM 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)

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 You don’t have to be enrolled in our plans to participate Claim expenses for all dependents claimed on taxes Houston County Board of Education Benefits Orientation 2014

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 Houston County Board of Education Benefits Orientation 2014

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 Houston County Board of Education Benefits Orientation 2014

Administration Administered by Optum Health – 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 Houston County Board of Education Benefits Orientation 2014

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 - In the “Find a Dentist” box, select PDP Plus and follow instructions (PDP – “Preferred Dental Provider”) Houston County Board of Education Benefits Orientation 2014

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 Houston County Board of Education Benefits Orientation 2014

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 Houston County Board of Education Benefits Orientation 2014

DENTAL Coverage Level Monthly Payroll Deduction Low Plan Monthly Payroll Deduction High Plan Employee Only$14.34$23.73 Employee + Spouse $34.11$53.04 Employee + Child(ren) $39.05$60.24 Family$65.30$96.06 Houston County Board of Education Benefits Orientation 2014

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) Houston County Board of Education Benefits Orientation 2014

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 $300,000 0 – 29$ – 34$ – 39$ – 44$0.11 DependentSpouse$5,000 - Cost is $1.53 per month $10,000 - Age banded – use table to the right $25,000- Age-banded – use table to the right) 45 – 49$ – 54$ – 59$ – – $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) Houston County Board of Education Benefits Orientation 2014

34 SICK LEAVE Full-time employees accumulate sick leave at approx 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 Houston County Board of Education Benefits Orientation 2014

35 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 Houston County Board of Education Benefits Orientation 2014

Waiting / Elimination Period Rates per $100 Monthly Benefit 7 days$ days$ days$ days$ days$0.86 OPTIONS AND RATES SUMMARY SHORT TERM DISABILITY Houston County Board of Education Benefits Orientation 2014 Elect in $100 increments up to 66 2/3% of your salary The enrollment portal reflects all STD options and premiums

37 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) Houston County Board of Education Benefits Orientation 2014

RETIREMENT PLANS Houston County Board of Education Benefits Orientation 2014

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

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: Houston County Board of Education Benefits Orientation

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 Houston County Board of Education Benefits Orientation

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: $ x 30 years = $ per month Houston County Board of Education Benefits Orientation

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 $ 75 out of your pay Contact John Lamberth, our local VALIC advisor at for more info. Houston County Board of Education Benefits Orientation

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

Houston County Board of Education Benefits Orientation 2014 Houston County Board of Education Human Resources/Benefits Department Phone: , Houston County Board of Education Benefits Service Center (BSC) Benefits Enrollment Portal Hours of Operation 8am - 6pm Mon - Thurs. 8am to 5pm Fri Access the enrollment portal during the year to review your current benefits YOUR BENEFITS RESOURCES

THANK YOU Houston County Board of Education Benefits Orientation 2014