1. 2016-17 Benefit Presentation

2. Important Dates To Remember
Enrollment Window:
ALL benefit eligible employees must complete their enrollment by November 30, 2016
Effective Date of Coverage:
All coverage changes are effective January 1, 2017
Payroll Dates:
Remember to double check your January paycheck(s) to confirm deductions

3. Self-Enrollment Instructions
Benefits Enrollment Website:
Login Credentials: first initial, last name, last 4 of social
Ex. John Smith = jsmith6789
Initial password “eisd”
You will be prompted to change password for security reasons
Once logged in click to follow specific enrollment track
Make enrollment selections and beneficiary designations
Review your confirmation statement when complete
or print the confirmation statement for you records

4. Enrollment Guide: Page(s) 7-9
Medical Plan
Edgewood ISD plan is transitioning the district’s health insurance program to Aetna effective 1/1/2017
Choice of 3 medical plans with varying deductibles, premiums, and networks
To search for providers visit or by calling
More information and premium rates for all group insurance plans offered through EISD can be found in your benefits packet or online at under Directory/Employee Benefits

5. Medical Plan EPO Plan PPO Low Plan PPO High Plan
Enrollment Guide: Page(s) 7-9
Medical Plan
EPO Plan
PPO Low Plan
PPO High Plan
Deductible
$2,000 Individual
$4,000 Family
Coinsurance
20%
Out of Pocket Maximum
$4,500 Individual
$9,000 Family
Prescription Drugs
Generic - $10
Formulary - $35
Non-Formulary - $60
*Must stay within the Baptist Health System in San Antonio
Deductible
$3,500 Individual
$7,000 Family
Coinsurance
30%
Out of Pocket Maximum
$6,600 Individual
$13,200 Family
Prescription Drugs
Generic - $10
Formulary - $35
Non-Formulary - $60
*Members have access to Aetna’s Managed Choice National network
Deductible
$1,000 Individual
$2,000 Family
Coinsurance
10%
Out of Pocket Maximum
$3,500 Individual
$7,000 Family
Prescription Drugs
Generic - $10
Formulary - $35
Non-Formulary - $60
*Members have access to Aetna’s Managed Choice National network

6. Dental DHMO Enrollment Guide: Page 10
Payment for services are based on the schedule of benefits
Participants will need to choose a primary dentist by calling
You will need to contact MetLife if you would like to change your dentist
No waiting periods
ID cards will NOT be mailed, generic cards available on EISD website
Preventative, basic, major, and orthodontic services
No claims forms
Children covered up to age 26
Your plan costs:
Employee only $10.40 per month
Employee and Spouse $19.74 per month
Employee and Children $20.78 per month
Employee and Family $32.20 per month

7. Dental PPO Enrollment Guide: Page(s) 11-13
You may choose any dentist, but your benefit dollars will go farther if you use network dentists. Visit for a list of providers.
No waiting periods
ID cards will NOT be mailed, generic cards available on EISD website
Preventative, basic, major, and orthodontic services
See summary sheet for deductibles and calendar year maximums
Children covered up to age 26
Your plan costs:
Employee only $21.28 per month
Employee and Spouse $43.04 per month
Employee and Children $55.38 per month
Employee and Family $75.52 per month

8. Vision Insurance Enrollment Guide: Page(s) 14-15
In-Network and Out-of-Network Provider benefits
For a provider listing visit (client code is 7730)
Includes Eye Exam and Frames/Lenses or Contact Lenses every 12 months
No Waiting Periods
ID cards will be mailed
Children covered to age 26
See summary sheet for details
Benefits Guide
Your Plan Costs:
Employee $ per month
Employee + Spouse $10.94 per month
Employee + Child(ren) $10.40 per month
Employee + Family $16.34 per month

9. Enrollment Guide: Page(s) 16-23
Group Life Insurance
All employees are eligible for guarantee issue (no health questions) coverage if enrolled during open enrollment
Group Insurance in force only while employed with Edgewood ISD
Minimum and maximum coverage limitations apply
Spouse and dependents are eligible
All benefit eligible employees receive $15,000 of basic life insurance (provided by Edgewood ISD at no cost to employee)
Ask employees to correct Hours on page. 17
Your plan costs:
InRoll will calculate your cost based on current age

10. Portable Life Insurance
Enrollment Guide Page(s) 24-28
Portable Life Insurance
Express Issue: Limited health questionnaire
Permanent, Portable Life Insurance
Guaranteed death benefit to age 121
Accelerated Death Benefit Included
Coverage for Spouse and Children
Minimum and maximum coverage limitations apply
Ask employees to correct Hours on page. 17
Your plan costs:
InRoll will calculate your cost based on current age

11. Long Term Disability Insurance
Enrollment Guide: Page(s) 29-36
Long Term Disability Insurance
Long term disability insurance helps protect your income if you are unable to work due to illness or injury
Benefit Amount
Monthly benefit amount is 66 2/3 percent of your gross monthly earnings
Benefit Waiting Period and Maximum Benefit Period (page 12)
Must be continuously disabled before benefits become payable
Benefits are not payable during the benefit waiting period
Waiting period options of 0/3,14, 30, 60, 90, and 180 calendar days
The maximum benefit period is the period for which benefits are payable
Pre-existing condition limitations apply for new enrollments
Benefits Guide
Your Plan Costs:
InRoll will automatically calculate your cost based on your eligible income with Edgewood ISD.

12. Enrollment Guide: Page(s) 37-40
Cancer Insurance
Cancer coverage provides cash directly to you to help offset out of pocket costs
Pays in addition to medical insurance
Treatments determine benefits
Screening benefits for annual check-ups
No health questions during open enrollment (pre-ex limitation)
Portable
Ask employees to correct Hours on page. 19
Plan Costs: Low Plan High Plan
Employee Only $ $24.36
Employee & Spouse $ $38.06
Employee & Child(ren) $ $34.10
Employee & Family $30.72   $47.78

13. Critical Illness Insurance
Enrollment Guide– Pages 41-47
Critical Illness Insurance
Critical Illness coverage provides cash directly to you to help offset out of pocket costs
Covered illnesses include invasive cancer, heart attack, stroke, and major organ transplants
Lump sum benefit options of $10,000 or $20,000
No health questions during open enrollment (pre-ex limitation)
Portable if you leave or retire from EISD
Your plan costs:
InRoll will calculate your cost based on current age

14. Flexible Spending Account: Healthcare
Enrollment Guide– Pages 48-49
Flexible Spending Account: Healthcare
Contribute on a pre-tax basis
Pay for eligible medical, dental, or vision expenses
Over the counter not eligible medication (in most cases)
Annual Contribution Limit of $2,600
Plan year ends December 31
Debit cards (mailed to address on file)
Track your account online at
Keep your receipts!

15. Flexible Spending Account: Dependent Care
Enrollment Guide– Pages 48-49
Flexible Spending Account: Dependent Care
Contribute on a pre-tax basis
Pay for eligible dependent care expenses
Use-it-or-Lose-it by December 31
Annual Contribution Limits of $5,000
Consult with your tax advisor (potential impact on other available dependent care tax benefits)
Debit cards (mailed to address on file)
Track your account online at
Keep your receipts!

16. Questions. Contact Gina Padilla with U. S. Employee Benefits at 830
Enrollment Guide– Page
Summary
All employees must meet with a representative or login to to complete enrollment
Open enrollment ends November 30, 2016
Plans changes are effective January 1, 2017
VERY IMPORTANT - Review first paycheck to confirm all deductions are accurate.

17. Thank you for being part of the Edgewood ISD family!
Please feel free to contact Human Resources/Risk Management if you have any questions.