Open Enrollment Benefits 2013-2014 April 22- May 24 Wylie ISD

Health Care Reform What does it mean for me? Individual mandate under the Affordable Care Act goes into effect on January 1, 2014 All individuals are required to have minimum essential coverage for medical unless you qualify for an exemption Minimum essential coverage includes coverage under the following plans: Employer sponsored coverage (TRS Active Care) Individual coverage purchased by you Medicare/Medicaid/CHIP Certain types of Veterans health coverage TRICARE Individuals will have access to insurance exchanges in 2014 if coverage is gained due to buying less expensive coverage through exchange you can drop TRS Active Care Individual mandate, by itself, going into effect on January 1 is not a qualifying event to enroll in TRS Active Care Get more information on health care reform by going to www.healthcare.gov www.healthcare.gov

Whats new for TRS Active Care Plans? Active Care 1 will be discontinued Deductibles and out-of-pocket maximums will increase for Active Care 1HD and Active Care 2 Premiums increasing Non-contracting providers will be paid at BCBS of TX allowable amount rather than at 50% of billed charges (more out of pocket for participant if using out-of-network providers) New Benefits Value Advisor New Uniform Summary of Benefits Coverage New ID cards for medical if you make a plan change or are on Active Care 1 currently New ID cards for prescriptions if you make a plan change or are on Active Care 1HD and Active Care 2

TRS Active Care Plan Changes TRS Active Care Plan 1 Plan no longer offered in 2013-2014 Employees currently on this plan will automatically switch during open enrollment to Active Care 1HD unless election is made for another plan

TRS Active Care Plan Changes (cont.) TRS Active Care Plan 1HD Family deductible from $2,400 to $4,800 Individual Out-of-Pocket Max from $3,000 to $3,850 Family Out-of-Pocket Max from $5,000 to $4,200 Can utilize an HSA plan through your bank if you choose this plan (contact your benefits specialist for more information on HSA) (Out-of-pocket max exclude deductibles)

TRS Active Care Plan Changes (cont.) TRS Active Care Plan 2 Individual deductible from $750 to $1,000 Family deductible from $2,250 to $3,000 Individual Out-of-Pocket Max from $2,000 to $4,000 Family Out-of-Pocket Max from $6,000 to $8,000 Increase all prescription co-pays by $5 (Out-of-pocket max exclude deductibles and copays) TRS Active Care Plan 3 No plan design changes

TRS Active Care Plan Rates 2013-2014 Active Care 1 No Longer Available Active Care 1 HD EE Only$100 EE + Spouse$569 EE + Child(ren)$347 EE + Family$835 *Amounts reflected are after $225 contributed by state/district. Active Care 2 EE Only$304 EE + Spouse$978 EE + Child(ren)$616 EE + Family$1,098 Active Care 3 EE Only$571 EE + Spouse$1,585 EE + Child(ren)$1,044 EE + Family$1,765

Medical Gap Plan New Plan Offering for 2013-2014 through Specialty Insurance Service Bridges the gap between Active Care 1HD and Active Care 2 benefits by: Paying $1,500 per year for each covered person for hospital confinement Paying $4,500 ($1,500 per occurrence) max per year for 3 occurrences of outpatient services includes ER visit, MRI, x-ray, lab, outpatient surgery (excludes doctor office visit cost) Guaranteed issue No pre-existing condition if not subject to pre-existing condition on medical plan Also bridges the gap between Active Care 2 and Active Care 3 benefits Employee Only Employee Spouse >40 $25.98 $47.76 40-49 $34.21 $62.85 50+ $71.85 $132.02 Employee Children Employee Family $62.45 $83.64 $67.22 $95.11 $123.81 $182.41

Medical Gap Example 1 A Hospital Stay + Surgery = $18,000 Total Expenses (Employee Only at age 43) Active Care 1HD w/out Med Gap Active Care 1HD with Med Gap Annual Premium$1,200$1,610.52 Deductible$2,400 Co-Insurance$3,120 Co-Payn/a Total Out-of-Pocket$6,720$7,130.52 Med Gap Benefit$ -- $1,500 Total Cost$6,720$5,630.52 You save$1,089.48 You also save $2,037.48 per year in premiums by electing Active Care 1HD with medical gap rather than upgrading to Active Care 2.

Medical Gap Example 2 Outpatient Benefit of $1,500 per occurrence up to 3 occurrences for Employee and Family coverage with Employee at age 43 Active Care 1HD w/out Med Gap Active Care 1HD with Med Gap Deductible to meet$4,800 Annual Premium$10,020$11,161.32 Occurrence 1 you pay$1,000$ - Occurrence 2 you pay$2,000$500 Occurrence 3 you pay$1,500$ - Total Out-of-Pocket$14,520$11,661.32 You save$2,858.68 You also save $2,014.68 per year in premiums by electing Active Care 1HD with medical gap rather than upgrading to Active Care 2.

PPO Dental Plan High Option New Carrier 2013-14- Lincoln Benefit- High Option Lincoln will take over all currently insured dental plan members 100% for preventative care / 80% for basic services / 50% for major services with $1000 maximum annual benefit Benefits for oral surgery, surgical extractions, and anesthesia will move from Basic type 2 services covered at 80%, to major type 3 services covered at 50% Claims paid at 90 th percentile of usual & customary fees rather than a MAC schedule Coverage for dependent children up to age 26 Orthodontia included for children and adults Premium will increase by 2% and are guaranteed for 2 years Employee Only$35.34 per month Employee & Spouse$76.44 per month Employee & Child$70.28 per month Employee & Family$123.28 per month

PPO Dental Plan Low Option New Carrier 2013-14- Lincoln Benefit- Low Option Provides a lower more basic level of coverage. 100% for preventative services / 70% for basic services / 40% for major services with $750 maximum annual benefit Benefits for oral surgery, surgical extractions, and anesthesia will be covered as major services at 40% Claims paid at 90 th percentile of usual & customary fees Coverage for dependent children up to age 26 No Orthodontia coverage Premium are guaranteed for 2 years Employee Only$25.18 per month Employee & Spouse$54.02 per month Employee & Child$48.50per month Employee & Family$85.22 per month

DHMO Dental Plan New DHMO Carrier- 2013-14- Lincoln Benefit Replaces current Safeguard, lower premiums No co-pay on office visit; many other deeply discounted services No annual maximum benefits or deductibles Members must choose a provider from the network to receive benefits Premiums guaranteed for 2 yearsCoverage for dependent children to age 26 Employee Only$14.69 per month Employee & Spouse$28.62 per month Employee & Child$30.97 per month Employee & Family$44.76 per month

Vision Plan New Carrier - Block Vision 2013-2014 Exam and eyewear co-pay of $15 Elective Contact lens allowance of $150; Paid in full if medically necessary Frame allowance up to $125 retail value $200 allowance on Lasik Dependent children can be covered up to age 26 Employee Only$7.40 per month Employee & Spouse$12.58 per month Employee & Child$13.30 per month Employee & Family$19.98 per month

Standard Insurance Disability Same Carrier for 2013-2014 Premiums will remain the same for 2013 Open enrollment, guaranteed issue opportunity in 2013 Protects against a loss of income due to sickness or accident 1 st Day hospital confinement benefit- Waives elimination period on 0/7, 14/14, 30/30 elimination period plans. Insure up to 66.67% of annual salary- $8000 maximum monthly benefit. Elimination PeriodRate Per $1000 0/7$37.80 14/14$33.30 30/30$28.20 60/60$18.30 90/90$15.80

Basic & Voluntary Group Term Life Plan New Carrier - Lincoln Benefit- Group Term Life Plan- 2013-14 $15,000 Life Insurance Coverage for all Employees- Provided at no cost by Wylie ISD Additional voluntary coverage available at group rates. ex: $50,000 Coverage Age 25- $4.75 Age 35- $6.25 Age 45- $13.00 Age 55- $30.00 Age 65- $65.50 Spouse Coverage also available, Child Life up to age 26 Guaranteed Issue Coverage to $200,000 employee, $50,000 Spouse Annual increases of $20,000 up to the guaranteed issue limit on voluntary life each year at open enrollment. Any current coverage over the guaranteed issue amount will continue with new carrier without having to provide proof of good health. Coverage good while employed with Wylie ISD.

Fidelity Permanent Life Plan Same Carrier for 2013-2014 Permanent, Guaranteed Issue, Life Time Protection, Term Life Insurance Policy. Plus- Long Term Care Rider equal to 4% of death benefit, payable for 75 months. Ex: $25,000 death benefit or $1000 monthly LTC benefit payable for 75 Months. 75 month LTC benefit is new for 2013, current policies include a 25 month LTC benefit Portable upon termination of employment- Premium remains the same Insure yourself, spouse, and children Guaranteed issue for all employees up to $100,000. Rates Based on age at issue, guaranteed for life ex: $25,000 Non-Smoker Benefit, monthly premium: Age 35- $15.77 Age 45- $26.27 Age 55- $47.50

Cancer Plan New Carrier - Colonial Cancer Plan- 2013-14 Single plan option including Cancer coverage, ICU rider, Specified Disease Coverage, and 1 st Occurrence Benefit Hospital Confinement Benefit Radiation/Chemo Surgery Schedule Benefit Initial Diagnosis Screening Rebate $300 per day $300 per day with $10,000 per year Up to $4,500 max $5,000 $100 Open Enrollment, Guarantee issue coverage. Take over of current insured participants Dependent children can be covered up to age 26 Credit for time insured for those with the current cancer plan, no pre-existing limitations on take over if you have been covered previously for 12 months Employee Only$29.85 per month Employee & Family$49.55 per month

Flexible Spending Accounts Maximum allowable election amount per year is now $2,500 per participant for the medical FSA Maximum allowable election for dependent care FSA remains $5,000 per family New administrator will be TASC get a debit card, improved technology with smart phone app that allows you to take a picture of your receipt and file the claim immediately for reimbursement.

New Administrator as of 9/1/13 Omni No more fees Easy accessibility to accounts Seamless change for 403(b) Minimal change for 457(b) More information to come on change to new carrier 403(b) and 457(b)

In-Roll for Online Enrollment Log-In Instructions for In Roll Site Access- To access your employer on-line enrollment site, InRoll, you can click on the Employee benefit Website provided by your employer or simply log in to www.in-roll.com. Once at this location you will see a screen like the one shown below.www.in-roll.com User Name- Every employee will have a system assigned user name to enable them to access the InRoll sight. Your user name will be the first initial of the legal name on record with your employer, followed by your entire last name, followed by the last 4 digits of your SS#. Ex: employee name- Robert Smith, SS# 123-45-6789User Name will be: rsmith6789 Default Password- Your default password for the initial log in will be wisd

In-Roll for Online Enrollment Welcome Page- Please read the information and instructions included on the Welcome Page. This page includes important information about your new benefits and how to enroll in the coverage. Once you have read the Welcome Page, click on the link at the bottom of the page to continue your enrollment.

In-Roll for Online Enrollment Verify Information- This page contains information about yourself. Your name, address, date of birth etc. will be listed on this page. Please check for accuracy. This is also the page where you will enter dependent information. InRoll will not allow you to enroll dependents for coverage if you do not enter each dependents information. Once you have entered all required information and confirmed it for accuracy, click the link at the bottom of the page to submit and continue. Dependent Enrollment- Many of your benefit offerings will include options to enroll your spouse and children for coverage. If you do not see an option to enroll your spouse or child, you have not entered their information on the Verify Information page in InRoll. You will need to return to the Verify Information page and enter the information for each dependent. Do this by clicking on the Add Dependent link and entering the RED items on the Dependents page. Once entered, click the Submit Information button at the bottom of the page. Repeat this process for each dependent. Once all dependents are entered, return to the enrollment screen you were on by clicking on the green plan name link on the left side of the page under the Status Bar.

In-Roll for Online Enrollment Benefit Enrollment- Your employer provides you with a selection of supplemental benefits that you can choose from, and pay for, on payroll deduction. Each of these benefits will be outlined in detail in the InRoll system with Plan Specific information on each benefit page. Simply follow the instructions on each page to enroll in or decline coverage. Once you make your choice, and submit your election, you will move to the next benefit page. Some benefits will require responses on multiple pages. This will typically be for verification of your benefit election, identification of insured dependents, or completion of any required applications.

In-Roll for Online Enrollment Confirmation Statement- Once you have completed your enrollment, you will see a Confirmation Statement. This page shows you the benefit selections made, the cost of these benefits, and dependents entered into the system. Click the Print and Save button at the bottom of this page to create a printable version of this document. Once the printable version appears, click file/print to print a copy for your records. Note: If you have a valid email address in the system, you can also request to have a copy of your Confirmation Statement emailed to you. If the option to email a statement does not appear, return to the Verify Information screen and make sure you have a valid email address entered in InRoll. After this document prints, click the Exit link at the top of the page to close your enrollment site.

You Have Resources! You have several resources to assist you in making good benefit choices: Wylie ISD Benefits Booklet Vendor websites (you can always register and view claims and eligibility information for yourself and your dependents) all websites can be found in the Benefits Booklet or on the Payroll/Benefits website under http://payroll-- benefits.wylieisd.schoolfusion.ushttp://payroll-- benefits.wylieisd.schoolfusion.us Wylie ISD Benefits Portal Employee benefits website at www.in-roll.comwww.in-roll.com Janie Emmert, Benefits Specialist, 972-429-3046 or [email protected]@wylieisd.net US Employee Benefits Services Group, 972-636-9944 or www.usebsg.comwww.usebsg.com

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Open Enrollment Benefits 2013-2014 April 22- May 24 Wylie ISD