1. Balsz School District Employee Benefits Programs 2014-2015

2. Medical Insurance Rates MonthlyAnnual Employee Deduction PremiumsPremium Employee Cost 22 Pays20 Pays Traditional PPO Employee $482.95$5,795.40$1,025.76$46.64$51.30 Employee + Spouse $965.90$11,590.80$6,821.16$310.06$341.07 Employee + Child(ren) $917.60$11,011.20$6,241.56$283.72$312.09 Family $1,352.27$16,227.24$11,457.60$520.81$572.89 Traditional PPO Includes $75 Employer PREP Gift Certificate for Qualifying Employees

3. Medical Insurance Rates MonthlyAnnual Employee Deduction PremiumsPremium Employee Cost 22 Pays20 Pays CDHP 2500 Employee $397.47$4,769.64 $ - Employee + Spouse $794.94$9,539.28 $4,422.72 $201.04 $221.15 Employee + Child(ren) $755.19$9,062.28$3,980.40 $180.94 $199.03 Family $1,112.91$13,354.92$7,960.80 $361.86 $398.05 CDHP 2500 Includes $200 Employer PREP Contribution to HSA Account for Qualifying Employees

4. P.R.E.P. Prevention Reward Employee Program WELLNESS MATTERS! TWO + ONE = $200 HSA Contribution or $75 Gift Card Primary Requirements: 1. Annual Wellness Exam 2. Health Risk Assessment (HRA) 3. Timeline: 4/1/2014 – 3/31/2015

5. P.R.E.P. Prevention Reward Employee Program Additional Options:  Complete a Smoking Cessation Program  Enroll in DPCA Program  Dental Exam  Flu Vaccination  Preventive Cancer Screening  Complete Eight Months of the Work It Off Exercise Program  Participate in a Community Wellness Run  Attend Two District Sponsored Wellness Classes  Non-Benefited employees may participate in PREP, see website for more information.

6. ING Life Insurance Basic Group Term Life Insurance Equal to $50,000 at no cost to you! Accidental Death & Dismemberment (AD&D) insurance – pays additional benefit if you suffer a loss due to an accident. Benefits are reduced at age 70. Includes travel assistance and funeral planning services Voluntary Term Life Insurance For you, your spouse and/or your children. Evidence of Insurability forms may be required, depending on level of coverage. You may also have the opportunity to take supplemental coverage with you if you leave your employer.

7. ING Short Term Disability  If you elect or apply for short ‐ term disability coverage, the elimination period is 7 calendar days for injury, 7 calendar days for sickness.  Short ‐ term disability benefits are payable for up to 6 months for injury or sickness during a continuous period of disability.  There is a 12 month pre-existing conditions clause.  Applications available during enrollment periods.

8. Total Dental Administrators Plan: A Dental Discount Program TDA Plan Rates MonthlyAnnual Employee Deduction PremiumsPremiumEmployee Cost22 Pays20 Pays TDA Employee $ 9.50 $ 114.00 $ 5.19 $ 5.71 Employee + Spouse $ 18.78 $ 225.36 $ 10.25 $ 11.28 Employee + One Child $ 21.05 $ 252.60 $ 11.49 $ 12.64 Family $ 23.10 $ 277.20 $ 12.61 $ 13.87  Exams and cleanings covered at 100%  No deductible and no annual maximum  Select dental office ahead of time  Discounts on vision, hearing and prescriptions included in plan

9. Delta Dental Benefit Plan: A Dental Insurance Benefit Delta Dental Checkup Plus Plan Rates MonthlyAnnual Employee Deduction PremiumsPremiumEmployee Cost22 Pays20 Pays Delta Employee $ 34.04 $ 408.48 $ 18.58 $ 20.43 Employee + Spouse $ 69.42 $ 833.04 $ 37.88 $ 41.66 Employee + Child(ren) $ 84.66 $ 1,015.92 $ 46.19 $ 50.81 Family $ 112.20 $ 1,346.40 $ 61.21 $ 67.33 Preventive care covered at 100% Annual deductible and benefit maximum Plan includes vision care savings through EyeMed Vision Care

10. BASIC Flexible Spending Account (FSA)  Do you pay medical expenses? Insurance premiums? Child care?  A Flex Account can reduce some of the burden of medical, dental, vision and dependent care bills.  With BASIC Flex, you elect to have a certain dollar amount transferred from your paycheck into a special account to pay for expenses as they occur. This money is taken from your gross pay prior to taxes.  You save by not having to pay federal and most state and local taxes, as well as Social Security and Medicare taxes, on the amount you set aside.  IMPORTANT NOTE: If you have an HSA Account, then Flex is limited to Dental, Vision and Child Care.

11. VSP Vision Program Vision Plan Rates MonthlyAnnual Employee Deduction PremiumsPremiumEmployee Cost22 Pays20 Pays VSP Employee $ 8.23 $ 98.76 $ 4.50 $ 4.95 Employee + One $ 11.93 $ 143.16 $ 6.52 $ 7.17 Family $ 21.39 $ 256.68 $ 11.68 $ 12.84

12. VSP Vision Services In Network Pricing:  Well Vision Exam Every 12 months - Copay $10  Prescription Glasses  Lenses Every 12 months - Copay $20  Frame Every 12 months - $130 Allowance; 20% off amount over allowance  Contact Lens Care - Fitting and evaluation - Copay $60  Contact Lenses - $130 Allowance  Additional discounts and savings on sunglasses and Laser Vision correction. Additional coverage for diabetic eye disease.  No insurance cards

13. Balsz School District Benefits: Information Online Pt.1 1.Click Here! 2. Click Here!

14. Balsz School District Benefits: Information Online Pt.2 3.Click Here!