2016 BENEFITS OPEN ENROLLMENT REVIEW 1 Shaw Hankins

2016 BENEFITS OPEN ENROLLMENT REVIEW 1

Shaw. Hankins §Service Center- can answer questions on all benefits, including state health §Available extended hours 8: 30 am – 7: 00 pm during open enrollment § Oct 19 – Nov 6 § 877 -373 -0730 §Benefit website- shawhankinsbenefits. net/ccsd 2

State Health Benefit Plan 3

SHBP 2016 -Carrier Options § 3 carriers to choose from: BCBS of GA, United Healthcare, & Kaiser Permanente. § BCBS of Georgia: 3 levels of HRA- Gold, Silver & Bronze and statewide HMO § United Healthcare: High Deductible Health Plan (HDHP) and statewide HMO § Kaiser Permanente: Regional HMO available to members who work or live in the 27 metro Atlanta counties. 4

How the HRA Plans Works §Bronze, Silver and Gold options with different levels of coverage §All services are subject to the plan deductible and/or coinsurance, no copays apply §SHBP contributes HRA credits to your HRA account based on the plan option and tier of coverage you choose § These credits provide first dollar coverage for medical and pharmacy expenses § Able to earn additional credits with wellness activities §HRA credits left at the end of the year will roll over to the next plan year 5

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How the HDHP Works §Low monthly premium §Must satisfy high deductible ($3, 500 individual, $7, 000 family) for all medical and pharmacy expenses (except preventive care) §If you have more than single coverage, the entire family deductible ($7, 000) NO LONGER must be met before benefits are payable for any family member §Eligible to establish a Health Savings Account (HSA) to set aside tax-free dollars to pay for eligible health care expenses. 8

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How the Statewide HMO Works §Available through BCBS or UHC § Rates differ between the 2 carriers §Receive covered services through in-network providers only (except emergency care) § Be sure to confirm your providers are participating in the BCBS or UHC network § Co-payments apply to certain services- office visits, urgent care, emergency room and prescriptions 11

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How the Regional HMO Works §Services only available through Kaiser HMO network §Copay Only plan, no deductibles or coinsurance §Plan available for members that live or work in one of the 27 metro Atlanta counties: Barrow Coweta Gwinnett Paulding Bartow Dawson Haralson Pickens Butts De. Kalb Heard Pike Carroll Douglas Henry Rockdale Cherokee Fayette Lamar Spalding Clayton Forsyth Meriwether Walton Cobb Fulton Newton 14

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SHBP Changes for 2016 Well-Being Incentive Credits § Now able to rollover well-being incentive credits across vendors and plan options § 2015 rollover credits available in April 2016 17

Wellness Credits- BCBS & UHC 18

Wellness-Kaiser Permanente Earn up to $480 and feel the benefits of taking care of your health! Sign up for the Kaiser Permanente Wellness Program at my. kp. org/shbp 19

Tobacco Cessation §Tobacco surcharges are included in all SHBP options §Surcharge applies if you are not tobacco-free or do not complete tobacco cessation coaching program §If you do not make an indication for 2016 on your tobacco usage, you will continue with your same tobacco usage election from 2015. 20

State Health Open Enrollment §Open enrollment is from October 19 th – November 6 th §myshbpga. adp. com §If you do not login to enroll or make changes, you will be defaulted to your current plan, coverage tier and tobacco status. If you are not currently covered and do not enroll, you will continue with no coverage. 21

Ancillary Benefits 22

bswift 23

Enrollment When you choose the enrollment tab on the Benefit Resource Center site, you will be directed to the bswift enrollment page to complete your elections on all ancillary coverages. ◦ Your user name is your first initial, last name and last 4 digits of your social security number ◦ Your password is the last 4 digits of your social security number Or you can use the bswift app to log in and make elections from your phone. ◦ You will use the same log in information ◦ Company ID is cobbk 12 The system will require you to enter your confirmation number from SHBP enrollment Once you complete the enrollment process you will receive a confirmation statement with all coverages and your total payroll deductions for 2016. 24

Dental §Met. Life will continue as the dental carrier for 2016 § Base and Plus plan option 25

Benefit Summary Plan Option 1 - Base Plan (Copay Plan) Plan Option 2 – Plus Plan Coverage Type In-Network Out-of-Network Type A – Diagnostics & Preventative See Schedule 85% of R&C Fee 100% Type B – Basic See Schedule 50% of R&C Fee Type C – Major See Schedule 40% of R&C Fee Type D – Orthodontia 50% of Maximum Allowed Charge 50% of R&C Fee Deductible† In-Network Out-of-Network 75% After Plan Deductible 50% After Plan Deductible 40% After Plan Deductible 75% of R&C Fee 50% of R&C Fee 40% of R&C Fee Individual N/A $50. 00 Family N/A $150. 00 In-Network Out-of-Network $750 of Combined In-Network Covered Dental Expenses and Outof-Network Covered Dental Expenses $500 of Combined In. Network Covered Dental Expenses and Out-of-Network Covered Dental Expenses $1, 000 In-Network Out-of-Network $750 $500 $1, 000 Annual Maximum Benefit: Person Orthodontia Lifetime Maximum Person 26

Vision §Avesis will continue as the vision carrier for 2016 §Basic and Preferred Plus Option 27

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Basic Life with AD&D §CCSD provides basic life coverage at no cost to you §This includes a life and accidental death and dismemberment benefit §Non-tobacco users receive a $13, 000 benefit §Tobacco users receive a $10, 000 benefit 29

Supplemental Life with AD&D §Contributory Basic Life coverage will no longer be offered, as all life coverage may be purchased with the Supplemental Life plan for employees and their dependents § 1 times your annual salary §Maximum 7 times your annual salary, to $500, 000 §New hires guaranteed up to 2 times your salary without answering health questions §Late entrants must complete the Personal Health Application for all amounts of coverage 30

Supplemental Life- Dependents §Spouse or Dependent Children §$10, 000 or $25, 000 in coverage 31

Short Term Disability §Choice between 2 salary replacement percentage levels- 50% or 66. 67% §Choose your start date for benefits, based on how many days of sick leave you have §All sick leave must be exhausted prior to STD benefits beginning §Late entrants or employees that wish to increase their level of coverage must submit a Personal Health Application and be approved before coverage is effective 32

Long Term Disability §Cost paid fully by CCSD §Benefit begins after you are disabled for 6 months §Pays 50% of your gross monthly earnings up to a maximum of $7, 500 a month 33

Flexible Spending Accounts §Two separate accounts- Medical Spending Account and Dependent Care Spending Account §Allows you to set aside pre-tax dollars to spend on qualified expenses, saving on your taxable income §Must make new elections for 2016 §If enrolling in the HDHP medical plan, you are not eligible to contribute to FSA 34

Flexible Spending Accounts §Medical Spending Account § Maximum contribution of $2, 500 § Some eligible expenses- Deductibles, copayments, dental expense, vision services and materials § Dependent Care Spending Account § $5, 000 for married couple filing joint income tax returns, $2, 500 if unmarried or married and filing separate income taxes § Some eligible expenses- any care of a dependent that allows you and your spouse to work: day care, after school program, in-home care, camps § You may rollover up to $500 left at the end of the 2015 plan year to use in 2016 for your Medical Spending Account 35

Cancer Coverage §Pays a cash benefit directly to you if diagnosed with Cancer or 29 additional specified disease §Coverage available for you and your family §Pays based on the type of services received: inpatient care, surgery, medication § 3 levels of benefits available- Economy, Standard, Deluxe §Convertible to individual policy §Waiver of premium after 90 days of disability 36

Critical Illness Coverage §Pays a lump sum benefit to you at the time of diagnosis of a covered illness. §Employee benefit: $10, 000 §Spouse and child benefit: $5, 000 § Children covered at no extra charge § Some covered illnesses: Heart Attack, Stoke, Coronary Artery Bypass, Major Organ Transplant, End Stage Renal Failure § Wellness Benefit: Pays you $50 benefit when you have a annual preventive screening: Ex) colonoscopy, EKG, Stress Test, Mammogram, Skin Cancer Biopsy 37

Accident Coverage §Covers accidents on and off the job § § § Accidental Death Emergency room or physician care Hospitalization Appliances Fractures Dislocations Lacerations Paralysis Dental Work Ambulance Travel 38

Hospital Indemnity Coverage Pays a benefit to the member when inpatient hospital care is required. ◦ $500 for 1 st day of hospital confinement ◦ $100 per day of hospital confinement (up to 10 days) 39

Shaw. Hankins Advantage §Teladoc §Health Advocacy §Medical Bill Saver §Nurseline §Doctors Online §Health Wealth Connection 40

Legal Coverage §In-Office Attorney Services: reviewing and preparing documents, providing legal advice and consultation, representation in court §Telephonic Advice: assistance in reviewing and preparing documents, will preparation, financial education and counseling §Online Resources: Guidebooks and videos, DIY Docs- state specific legal documents, online financial tools §Identity Theft Protect- No additional cost §New for 2016 - Plan covers legal assistance for contested and uncontested divorce, bankruptcy 41

Questions? §Service Center- can answer questions on all benefits, including state health §Available extended hours 8: 30 am – 7: 00 pm during open enrollment §Oct 19 – Nov 6 § 877 -373 -0730 §Benefit website- shawhankinsbenefits. net/ccsd 42