1. Welcome to Your Benefits Open Enrollment!
November 7, 2018

2. BENEFITS OPEN ENROLLMENT
Welcome to Open Enrollment!
Elections made during open enrollment will become effective August 1, 2017
Meeting Street Schools offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about our options and choose the best coverage for you and your family.
Medical & Rx
Dental
Vison
Life & Disability
Voluntary Life
Annual Enrollment gives you the opportunity to enroll in benefits that help provide security for you and your family by protecting your health and lifestyle. Your benefits represent a significant portion of your total compensation; for this reason AMBFOB wants to ensure that every employee has a clear understanding of the benefits offered. During our annual enrollment period, Benefit Counselors will provide benefits education and enrollment services by phone, and all employees are required to call the Benefits Enrollment Center in order to maintain benefits for Benefit counselors will be available to review your current benefits, confirm your 2016 elections and answer any questions you may have. Before calling the Benefits Enrollment Center, make sure that you have dates of birth and social security numbers for all dependents to be covered – and plan for your enrollment call to take approximately minutes.
BENEFITS OPEN ENROLLMENT

3. Making Benefit Changes
Unless you have a qualified change in status, you cannot make changes to the benefits you elect until the next open enrollment period if your deductions are pre-tax. Qualified changes in status include:
Marriage
Divorce
Legal separation
Status change
Birth or adoption of a child
Change in child’s dependent status
Death of a spouse, child or other qualifying dependent
Change in residence due to an employment transfer for you or your spouse
Commencement or termination of adoption proceedings
Change in spouse’s benefits or employment status
Remind that qualified life events outside of Open Enrollment must be done within 31 days of the event. Notifying HR is key
November 7, 2018

4. Who is Eligible?
If you are a full-time employee (working 30 or more hours per week), you are eligible to enroll in the benefits described in this presentation. The following family members are eligible for the following through :
Legally married spouse
Children to age 26
Disabled children
November 7, 2018

5. Medical and Prescription Drugs
The following chart compares our two medical plans with BlueChoice.
PPO Copay Plan
HDHP Plan
Services
In-Network
Out-Of-Network
Physician Visit
$20 PCP / $40 Specialist
60% after deductible
90% after deductible
70% after deductible
Deductible
- Individual
- Family
$250
$500
$500 per individual
$2,000
$4,000
$4,000 per individual
Hospitalization
80% after deductible
Preventive Care
100%
Not Covered
Emergency Room
Urgent Care
$150 per visit, then 20%
$20 per visit
Telemedicine
(BlueCareOnDemand)
$20 copay
$59
Maximum Out of Pocket
$3,500
$3,500 per individual
$8,000
$8,000 per individual
Prescription Drugs
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5
Tier 6
Retail
$8.00
$25.00
$45.00
$70.00
$125.00
$175.00
Mail Order
$20.00
$62.50
$112.50
$312.50
$437.50
No change in benefits.
All copays, deductible and coinsurance count toward the Maximum Out of Pocket
November 7, 2018

6. Telemedicine – Blue CareOnDemand
The cost to a member on a High Deductible Health Plan will be $59 and will apply to both the deductible and Maximum Out-of-Pocket (MOOP). 
The cost to a member on the PPO Copay plan will be $20 Primary Care Copay.
Download the Blue CareOnDemand app on a smartphone or tablet via Google Play or the App Store or by going to on a computer and registering using their My Health Toolkit address and password. There is not a phone number to call to register.
You’ll need the employee's member ID to complete the online profile. Only enrolled members (including dependents) will have access to this resource.
There will be a claim that is filed under that member ID.
The claim may take 1-2 weeks to be reflected in the member’s records on My Health Toolkit. 
Payment information can be entered at time of use or saved on the Blue CareOnDemand website for ease of future use.
Blue CareOnDemand is BlueChoice’s telemedicine.
Access board certified doctors 365/24/7
Available to enrolled employees and their dependents only
If online doctor can’t diagnose or no prescription is written, the member will not be charged for the visit

7. BlueChoice’s Website
Screenshot of to access MyHealth Toolkit for EOB’s, network providers, cost treatment estimator, etc

8. My Health Toolkit
November 7, 2018

9. Health Savings Account (HSA)
Must be enrolled in a high deductible health plan (HDHP)
Tax exempt account owned by the individual
Used to pay for qualified medical expenses
2017 IRS Maximum Contributions
$3,400 Individual / $6,750 Family
$1,000 catch-up contribution for age 55+
Account must be with Optum Bank to make payroll deducted pre-tax contributions
Meeting Street Schools will contribute $800 for employee only and $1,600 for all other coverage tiers to the HSA account. (Annual amounts to be paid into accounts ½ August and ½ in February.)
Not eligible for HSA tax deduction if enrolled in Medicare
No OTC medication reimbursement without prescription
Why consider an HSA?
-As an HSA user, you save in several ways such as lower monthly health insurance premiums & a triple tax advantage on your HSA contribution.
(Savings for your future)
-With an HSA, you own the account and all contributions. Your HSA balance rolls over and remains available for qualified expenses even if you change health plans, retire or leave the company. Once you reach a determined account balance, you can invest your HSA funds for increased earning potential.
(You Don’t Have to Change Doctors)
-Your HSA-qualified health plan gives you access to the same in-network doctors as the traditional plans offered currently.
(Keep Your LifeStyle)
-Regardless of your personal medical situation, an HSA can empower you to maximize savings while building a reserve for the future.
BENEFITS OPEN ENROLLMENT
November 7, 2018

10. Flexible Spending Account/Dependent Care Account
Tax-advantaged accounts with ADP
Used to pay for qualified medical & dependent day care expenses
2017 Maximum Account Contributions
Medical - $2,600
Day Care - $5,000
Use it or lose it
No OTC medication reimbursement without prescription
Currently only available to new hires. Another open enrollment TBD for the 2018 plan year.
November 7, 2018

11. Dental Benefits There are no plan or cost changes to dental benefits.
Meeting Street School’s plan allows you to seek treatment from the dentist of your choice.
DentalGuard Preferred Network through Guardian
Services
In-Network
Out-of-Network
Deductible
Applies to basic and major services only
$50 – Individual
3 per family
Preventive Services
Exams, cleanings, x-rays
100%
90%
Basic Services
Filling, simple extractions, oral surgery, endo and periodontal treatment
100% after deductible
70% after deductible
Major Services
Crowns, dentures, fixed bridges
60% after deductible
40% after deductible
Orthodontia
For Children to age 19
50% to a Lifetime Maximum of $500
Annual Maximum
$1,000 annual maximum per covered member
November 7, 2018

12. Guardian Davis Vision PPO BENEFITS OPEN ENROLLMENT
Vision Benefits
There are no plan or cost changes to your vision benefits.
Davis Network through Guardian
Plan Highlights
Guardian Davis Vision PPO
In-network
Out-of-network
Exam
$20 copay
$50 maximum reimbursement
Lenses
Single
 $20 copay
$20 copay to a max of $48
Bifocal
$20 copay to a max of $67
Trifocal
$20 copay to a max of $126
Frames
$20 copay to a max of $48 
Contacts
$20 copay for the preferred formulary
$20 copay for non-preferred formulary to a max allowance of $120
$20 copay to a max of $105
BENEFITS OPEN ENROLLMENT
November 7, 2018

13. Contributions
EMPLOYEE BIWEEKLY PAYROLL (Based on 26 deductions per year)
Employee Only
Employee & Spouse
Employee & Children
Employee & Family
PPO
$9.00
$142.50
$92.50
$175.25
HDHP
$5.00
$127.50
$82.50
$162.75
DENTAL
$0.00
$16.70
$13.67
$30.36
VISION
$1.11
$0.78
$1.51
November 7, 2018

14. Disability Income Benefits
Meeting Street Schools provides full-time employees with short- and long-term disability income benefits, and pays the full cost of this coverage. In the event that you become disabled from a non-work-related injury or sickness, disability income benefits are provided as a source of income.
Short-Term Disability (STD)
Long-Term Disability (LTD)
Benefits Begin
8th day for Accident or Illness
91st day
Maximum Period of Payment
12 weeks
SSNRA
(Social Security Normal Retirement Age)
Percentage of Income Replaced
60%
66 2/3%
Maximum Benefit
$1,500 per week
$7,500 per month
November 7, 2018

15. Basic Life Insurance
Meeting Street Schools provides full-time employees with group life and accidental death and dismemberment (AD&D) insurance, and pays the full cost of this benefit.
100% of base salary to a maximum of $300,000
Guarantee Issue of $155,000
Conversion and Portability
Age Reduction – Reduced to 50% when the employees attains the age of 70
November 7, 2018

16. Voluntary Life Benefits
Employees may purchase supplemental life insurance. When you enroll yourself and/or dependents, you pay the full cost through weekly payroll deductions.
Employee: $10,000 increments to a maximum of $350,000.
Guaranteed issue $50,000 for newly eligible employees
Spouse: $5,000 increments to a maximum of $250,000, not to exceed 100% of employee’s benefit
Guaranteed issue $25,000 for newly eligible
Dependent Children: $10,000
November 7, 2018

17. Next Steps, Reminders and Important Dates
Evaluate, choose plans, review payroll deductions
Provide updated beneficiary Information
New payroll deductions will begin on the first paycheck after 8/1/17
Medical and Dental deductible are on a calendar year
Open Enrollment: July 17 – 31, 2017
November 7, 2018

18. QUESTIONS??
November 7, 2018