1. OPEN ENROLLMENT
2019

2. Presentation for January 1, 2019 CARRIER PARTNERS
Medical United Healthcare
Dental Delta Dental
Vision Vision Service Plan
Basic Life/AD&D Unum
Voluntary Life & Disability American Fidelity
HSA & FSA Admin American Fidelity
EAP EmployeeCare
Pricing Resource Compass

3. January 1, 2019 RENEWAL SUMMARY
Medical Renewal with EPC: +7%
No Plan Design Changes
Dental Renewal with EPC: +5%
Vision Renewal with EPC: +3%

4. UNITED HEALTHCARE PPO OPTION
Children can be covered through the end of the month of their 26th birthday.

5. UNITED HEALTHCARE HSA OPTION
Children can be covered through the end of the month of their 26th birthday

6. HEALTH SAVINGS ACCOUNT
MCESC HSA Contributions
$1,350 for employee only
$2,500 for all others (e/s, e/c, family)
MCESC Contributions are prorated throughout the year
MCESC will provide a hardship advancement when approved
2019 Maximum Contributions per Calendar Year
$3,500 for employee only
$7,000 for all others (e/s, e/c, family)
$1,000 catch up contribution if age 55+
Maximums include any employer contribution

7. HSA REMINDERS Eligibility Eligible Expenses
WHO IS ELIGIBLE FOR AN HSA? ANY INDIVIDUAL WHO:
Is covered under a High Deductible Health Plan
Is NOT covered by any first dollar health coverage
Is NOT enrolled in Medicare / Medicaid / Tricare
Is NOT claimed as a dependent on someone else’s tax return
Is NOT participating in a Full Flexible Spending Account (FSA)
Eligible Expenses
HSA dollars can be used on medical, Rx, dental, and vision expenses
If funds are misused you could be subject to applicable taxes and 20% penalty
Keep Receipts in case of an IRS audit

8. All contributions are pre-tax No change in board contributions
WELLNESS COMPLIANT MEDICAL CONTRIBUTIONS MONTHLY
All contributions are pre-tax
No change in board contributions
85% Single / 80% All Others
PPO Plan
2018
2019
Coverage Type
Employee Pays
(with screenings)
Board Pays
Total Monthly Premium
Employee
$94.55
$535.80
$630.35
EE + Spouse
$277.36
$1,109.42
$1,386.78
EE + Child(ren)
$232.99
$931.96
$1,164.95
Family
$389.55
$1,558.22
$1,947.77
Coverage Type
Employee Pays
(With Screenings)
Board Pays
Total Monthly Premium
Employee
$101.17
$573.31
$674.48
EE + Spouse
$296.77
$1,187.09
$1,483.86
EE + Child(ren)
$249.30
$997.20
$1,246.50
Family
$416.82
$1,667.30
$2,084.12

9. All contributions are pre-tax No change in board contributions
WELLNESS COMPLIANT MEDICAL CONTRIBUTIONS MONTHLY
All contributions are pre-tax
No change in board contributions
85% Single / 80% All Others
HSA Plan
2018
2019
Coverage Type
Employee Pays
(with screenings)
Board Pays
Total Monthly Premium
Employee
$75.64
$428.64
$504.28
EE + Spouse
$221.89
$887.54
$1,109.43
EE + Child(ren)
$185.58
$742.31
$927.89
Family
$310.64
$1,242.55
$1,553.19
Coverage Type
Employee Pays
(With Screenings)
Board Pays
Total Monthly Premium
Employee
$80.94
$458.64
$539.58
EE + Spouse
$237.42
$949.68
$1,187.10
EE + Child(ren)
$198.57
$794.27
$992.84
Family
$332.38
$1,329.54
$1,661.92
Decision Support Tool Available
Meetings with McGohan Brabender Available

10. PLAN COMPARISON PPO Plan HSA Plan
Best Case Scenario: You only go to the doctor for Preventive Visits at no cost
PPO Plan
HSA Plan
Coverage Tier
EE Premium (Yearly)
Employee
$1,214.04
EE + Spouse
$3,561.24
EE + Child(ren)
$2,991.60
Family
$5,001.84
Coverage Tier
EE Premium (Yearly)
Employee
$971.28
EE + Spouse
$2,849.04
EE+ Child(ren)
$2,382.84
Family
$3,988.56
Difference
$242.76
$712.20
$608.76
$1,013.28
2019
Coverage Tier
Board HSA Contribution
EE Only
$1,350
ES, EC, FAM
$2,500
*Premium shown is calculated using the wellness compliant rates

11. PLAN COMPARISON: OPTION 2
Worst Care Scenario: You and your family have a catastrophic year and you meet your Medical Out of Pocket Maximum
HSA Plan
PPO Plan
Coverage Tier
EE Premium (Yearly)
Out of Pocket Max
Total
Employee
$1,214.04
$2,700
$3,914.04
EE + Spouse
$3,561.24
$5,000
$8,561.24
EE + Child(ren)
$2,991.60
$7,991.60
Family
$5,001.84
$10,001.84
Coverage Tier
EE Premium (Yearly)
Out of Pocket Max
Board HSA Contrib
Total
Employee
$971.28
$2,700
($1,350)
$2,321.28
EE + Spouse
$2,849.04
$5,000
($2,500)
$5,349.04
EE + Child(ren)
$2,382.84
$4,882.84
Family
$3,988.56
$6,488.56
Difference
$1,592.76
$3,212.20
$3,108.76
$3,513.28
*Premium shown is calculated using the wellness compliant rates

12. When to use a virtual visit
VIRTUAL VISITS
See and talk to a doctor from the comfort of your own home
Doctors can write a prescription and send to your local pharmacy
Available 24/7/365
It’s part of your health benefits
Register at myuhc.com
When to use a virtual visit
Allergies
Bronchitis
Cough/cold
Fever
Pink Eye
Rash
Sinus Problems
Sore Throat
More!
$25 for PPO Members
$49 for HSA Members

13. SURCHARGES Preventive Screenings
MCESC will continue to administer a $50 monthly surcharge to your health insurance premium if you are not compliant with a preventive screening. These screenings took place on site. If you did not attend you can go to your primary care doctor.
Spousal Surcharge
If you are married and your spouse has group health coverage available through his or her employer, your spouse will only be allowed to enroll in the MCESC group health plan if you agree to pay a $100 monthly surcharge.
Leave this in here? Any changes?

14. DENTAL INSURANCE- DELTA DENTAL
Wisdom Teeth -(Oral Surgery Extractions)- Covered as Basic
Endodontics – tooth pulp and tissue (root canal)- Covered as Basic
Periodontics – disease of gum tissue (deep cleaning)- Covered as Basic
To find a Delta provider, visit deltadental.com
Delta Provider Network: Delta Dental PPO & Delta Dental Premier
Children can be covered through the end of the month of their 26th birthday

15. All contributions are pre-tax No change in board contributions
DENTAL CONTRIBUTIONS MONTHLY
All contributions are pre-tax
No change in board contributions
80% Board / 20% Employee
2018
2019
Coverage Type
Employee Pays
Board Pays
Total Monthly Premium
Employee
$5.50
$22.00
$27.50
EE + Spouse
$11.58
$46.31
$57.89
EE + Child(ren)
$11.55
$46.20
$57.75
Employee + Family (Non-Union)
$15.95
$63.82
$79.77
Employee + Family
(Union)
$24.77
$55.00
Coverage Type
Employee Pays
Board Pays
Total Monthly Premium
Employee
$5.78
$23.10
$28.88
EE + Spouse
$12.16
$48.62
$60.78
EE + Child(ren)
$12.13
$48.51
$60.64
Employee + Family (Non-Union)
$16.75
$67.01
$83.76
Employee + Family
(Union)
$28.76
$55.00
For Union staff, the board maximum contributions is $55.00

16. VISION INSURANCE- VISION SERVICE PLAN (VSP)
To find a VSP provider, visit vsp.com or call
VSP Provider Network: VSP Signature
*LensCrafters is out-of-network
Children can be covered through the end of the month of their 26th birthday

17. All contributions are pre-tax No Change in board contributions
VISION CONTRIBUTIONS MONTHLY
All contributions are pre-tax
No Change in board contributions
0% Board / 100% Employee
2018
2019
Coverage Type
Employee Pays
Employee
$9.21
Employee + Family
$21.55
Coverage Type
Employee Pays
Employee
$9.48
Employee + Family
$22.20

18. COMPASS LIFE/AD&D INSURANCE – UNUM Basic Life/AD&D Insurance
$60,000 paid by Board
COMPASS
No Cost to the Employee/ Available to anybody that is eligible for benefits
Healthcare costs vary by 300% locally. The same CT scan costs $500 to $1,500 depending on where you go
A patient-advocacy firm that can lower your healthcare costs by shopping for you
All providers are board certified and accredited
Dedicated representative:
Erin Vardas
(800) x430 or

19. Enrollment for Medical, Dental, Vision, & Life
STEPS…
First initial, last name and last 4 of SSN (Jdoe1234)
Last four digits of your SSN (1234)
Click “GO” on your home page and it will walk you through the process
They termed ESAssist and now using American Fidelity with Benelogic

20. Health Savings Account
Flexible Spending Account
Individual Voluntary Life
Short and Long Term Disability
Critical Illness
Accident
Cancer

21. REMINDERS Open Enrollment October 15th – October 31st
All Medical, Dental, Vision, & Life Beneficiary elections must be completed in Benelogic
All other elections must be completed in American Fidelity’s Enrollment System
All benefit choices must be completed in the appropriate online system by October 31st
It is the employee’s responsibility to terminate dependents at the appropriate time

22. QUESTIONS?