2020 21 Lincoln County RIII School District Open

2020 -21 Lincoln County R-III School District Open Enrollment August 17 – August 28, 2020

MEHG Brokers David, John and Sara will be in our district the week of August 17 th to assist with open enrollment. They are also available via email or phone anytime throughout the year if you have any questions or concerns with your insurance policies. DAVID WEIS P. K. WEIS AGENCY 660 -263 -2100 DWEIS@SBCGLOBAL. NET JOHN COCHRAN VALENTINE INSURANCE AGENCY 660 -263 -1111 JCOCHRAN@VALENTINEINSAGENCY. COM SARA SMOTHERS VALENTINE INSURANCE AGENCY 660 -263 -1111 SSMOTHERS@VALENTINEINSAGENCY. COM

United Healthcare (4 options available)

United Healthcare - Medical ADDED THIS YEAR: OPTION #1 -HSA $5000 Monthly Premium District Contribution 10 Month 12 Month $0 $0 Employee Plus Spouse $633. 60 $528 $0 $0 Employee Plus Children $478. 80 $399 $0 $0 Family $1026. 00 $855 $0 $0 --- $336 --- $0 Employee Rate Family Team (both spouses work at LCR 3) In-Network Out-of-Network Deductible $5, 000 (2 x) $10, 000 Coinsurance 0% Max. Out of Pocket (MOOP) $6, 750 Virtual/Primary/Specialist $20/$30/$60 (After Ded. ) Ded+Co-Ins Urgent Care $75 (After Ded. ) Ded+Co-Ins ER $300 (After Ded. ) Ded+Co-Ins Rx Pharmacy $20/$50/$95/$250 (After Ded. ) Ded+Co-Ins (2 x) 30% (employee responsibility) (2 x) $12, 500 Deductible must be met in entirety before co-pays apply. (2 x)

United Healthcare - Medical OPTION #2 - HSA $4000 Monthly Premium District Contribution 10 Month 12 Month Employee Rate $32. 40 $27 $0 $0 Employee Plus Spouse $698. 40 $582 $0 $0 Employee Plus Children $535. 20 $446 $0 $0 Family $1110. 00 $925 $0 $0 --- $406 --- $0 Family Team (both spouses work at LCR 3) In-Network Out-of-Network Deductible $4, 000 (2 x) $9, 000 Coinsurance 0% Max. Out of Pocket (MOOP) $6, 750 Virtual/Primary/Specialist $20/$30/$60 (After Ded. ) Ded+Co-Ins Urgent Care $75 (After Ded. ) Ded+Co-Ins ER $300 (After Ded. ) Ded+Co-Ins Rx Pharmacy $20/$50/$95/$250 (After Ded. ) Ded+Co-Ins (2 x) 30% (employee responsibility) (2 x) $12, 500 Deductible must be met in entirety before co-pays apply. (2 x)

HDHP/HSA Review • • High Deductible Health Plan • • Cost is 100% employee responsibility until deductible is reached. After deductible is met there is no co-insurance, only co-pays. Deductibles are embedded. Secondary coverage is limited with this plan. Health Savings Account • Additional monies can be deducted from your payroll pre-tax and/or you can fund the account from an existing savings. • • Annual Maximums are $3, 550 individual and $7, 100 family $1, 000 catch up for individuals over 55 • • HSA is NOT use it or lose it like a Flex Spending Account. • Maximum daily limit is $1000. You can contact Community State Bank to increase that prior to the transaction if you know it will be more than $1000. • You can not have an HSA and a Medical FSA in the same family. You can only spend what you have in your account at the time of the incurred cost. CHANGES: • PRESCRIPTION copays increased on tiers 2 & 3 and added a 4 th tier.

United Healthcare - Medical OPTION #3 –FLEXPOINT PPO Monthly Premium 10 Month 12 Month Employee Rate $147. 60 $123 Employee Plus Spouse $916. 80 $764 Employee Plus Children $724. 80 $604 Family $1494. 00 $1245 --- $726 Family Team (both spouses work at LCR 3) In-Network Out-of-Network Deductible $2, 000 Coinsurance 20%(employee responsibility) Max. Out of Pocket (MOOP) $6, 000 (2 x) $10, 000 Virtual/Primary/Specialist $20/$35/$70 6 max Ded+Co-Ins Urgent Care $75 6 max Ded+Co-Ins ER Ded+Co-Ins Rx Pharmacy $20/$50/$95/$250* Ded+Co-Ins * $200 individual deductible($400 family) will apply to tiers 3&4, in addition to $95 copay(tier 3) and $250 copay (tier 4) (2 x) $6, 000 (2 x) 50% (employee responsibility) (2 x)

Flexpoint Review • • Virtual Care • Does not count towards 6 visits • Lower co-pay Co-pay max • 6 primary/specialist co-pays person per calendar year • Wellness/preventive visits excluded • 6 urgent care co-pays person per calendar year • After 6 visits the deductible and co-insurance apply • No co-pay for ER visits, deductible and co-insurance apply immediately • Lab/x-ray when billed independently are applied to deductible/co-insurance, not a co-pay • Changes: • Prescription copays increased on tiers 2, 3 & 4

United Healthcare - Medical OPTION #4 –PPO Monthly Premium 10 Month 12 Month Employee Rate $284. 40 $237 Employee Plus Spouse $1207. 20 $1006 Employee Plus Children $981. 60 $818 Family $1777. 20 $1481 --- $962 Family Team (both spouses work at LCR 3) In-Network Out-of-Network Deductible $1500 Coinsurance 20%(employee responsibility) Max. Out of Pocket (MOOP) $5, 500 Virtual/Primary/Specialist $20/$35/$70 Ded+Co-Ins Urgent Care $75 Ded+Co-Ins ER $300 Rx Pharmacy $20/$50/$95/$250* Ded+Co-Ins * $200 individual deductible ($400 family) will apply to tiers 3&4, in addition to $95 copay(tier 3) and $250 copay (tier 4) (2 x) $3, 000 (3 x) 50% (employee responsibility) (2 x) $6, 000 (2 x)

PPO Review/Changes • Changes: • Pharmacy copays increased on tiers 2, 3 & 4

United Healthcare – Vision SLIGHT RATE INCREASE OPTION #1 (Exam + Materials) Monthly Premium 10 Month 12 Month Employee Rate $8. 03 $6. 69 Employee Plus Spouse $15. 38 $12. 82 Employee Plus Children $16. 13 $13. 44 Family $24. 16 $20. 13

United Healthcare – Dental Plan Monthly premiums stayed the same BASE PLAN ($500 annual max. ) Monthly Premium 10 Month 12 Month Employee Rate $17. 53 $14. 61 Employee Plus Spouse $35. 18 $29. 22 Employee Plus Children $40. 13 $33. 44 Family $60. 65 $50. 54 BUYUP PLAN ($1, 000 annual max. + orthodontic) Monthly Premium 10 Month 12 Month Employee Rate $61. 46 $51. 22 Employee Plus Spouse $122. 89 $102. 41 Employee Plus Children $133. 04 $110. 87 Family $204. 04 $170. 03

UHC Simply Engaged Rewards Rally Program Employees enrolled in the United. Health Care Medical plan can earn up to $200 person & covered spouse per plan year! Click Here for information on the Rally Rewards Program

Voluntary Benefits & Life Insurance • • • Next enrollment period is in October 2020 Short & Long term Disability, whole & term life, accident, critical illness, hospital indemnity individual policies will be available to purchase and/or change your current policies. Policy changes and/or additions will be effective January 1, 2021 $30, 000 basic life insurance policy is available to all full time employees at no cost - Please complete UNUM beneficiary form only if you need to change/update your information

Additional Deductions

Additional Payroll Deductions List not all encompassing and below may not all apply • • PSRS/PEERS Retirement • • • Certified - 14. 5% deduction, district match Classified 6. 86% deduction, district match Certified in Classified position 9. 67% deduction, district match 403(b) MSTA/NEA/CTA dues Federal and State taxes Medicare Social Security LCR 3 EF, Buddy Bags, Bright Futures

Notices HIPAA, WHCRA, CHIP, EXCHANGE , 403(b), PSLF, SBC Information on the above listed programs is enclosed in your UHC folder.

GOTZOOM Loan Forgiveness/Reduction Service

Qualifying Events When can I make changes to my elections?

You can make changes to your elections with in 30 days of the following events: • • Your legal marital status changes • NOTE – You can not switch between plans, you can only add and drop policies and/or dependents as needed. The number of your eligible children changes Your benefits eligibility changes Your spouse’s benefits eligibility changes under another employer’s plan

Enrollment Process What happens next?

Enrollment Form ● If you do not want to change anything with your current medical, dental and vision choices (keep everything the same as is ), then you can simply check the yellow highlighted box. ● If you do want to change anything on your medical, dental or vision, then you will need to fill in all coverages again (medical/dental/vision).

Upon completion of this presentation: • UHC – Medical and Vision and Dental • Complete the enrollment form received with your UHC packet and return to HR representative/Broker or building secretary the week of August 17 th. • A District representative and/or Broker will be in each building the week of August 17 th to assist with plan and enrollment questions. Check with your building secretary for the day they will be in your building. • NOTE: If you are waiving coverage, you will still need to complete the enrollment process.

This form is required to be turned in for all Medical/Vision/Dental elections (even if waiving coverage):

This form is required for all current & new HSA elections (even if you aren’t electing to contribute at this time):

Required for a NEW HSA plan only: You will need to set up your HSA account in person at Community State Bank in Troy, MO. Please do this by September 11 th. This is where we will send your contributions that you elect to be deducted from your monthly payroll check.

Required for UNUM Beneficiary Life Insurance Policy CHANGES ONLY:

Questions? Please don’t hesitate to contact me at DETERSL@troy. k 12. mo. us or 636. 462. 5194 x 50502