2020 BENEFITS ENROLLMENT Who is Eligible for Benefits

2020 BENEFITS ENROLLMENT

Who is Eligible for Benefits? Certified Employees Dependents: ■ Your legal spouse ■ Dependent child(ren) through the end of the calendar year in which they turn age 26. Classified Employees ■ Exception: Voluntary Life – Coverage for dependent child(ren) ends at the end of the month prior to their 26 th birthday.

Benefits Website Information ■ Benefits Guide & Plan Information www. olatheschools. org/humanresources ■ Benefits Email benefits@olatheschools. org

Everyone Must Enroll 30 calendar days to enroll from your hire date. § Per IRS regulations, if you do not enroll with in 30 calendar days you will not be able to enroll until the next enrollment period in November with an effective date of January 1. § Benefits are effective the first of the month following hire date, for the exception of the voluntary life insurance. Voluntary Life Insurance is effective the first of the month following your enrollment confirmation (application) date. § Changes to benefits are not allowed throughout the year, unless you experience a life changing event (marriage, divorce, baby, job status change of a spouse, etc. ). Please contact benefits to make sure the life event qualifies. There can be some caveats to IRS regulations.

Medical Plan Options □$2, 800 HDHP Spira Care □$2, 000 PPO Spira Care □$2, 800 HDHP Blue. Select Plus □$1, 500 PPO Blue. Select Plus □$2, 800 HDHP Preferred-Care Blue □$1, 500 PPO Preferred-Care Blue

Blue Cross Blue Shield Networks Blue. Select Plus Preferred Care Blue ■ Discounted Rates & Premiums ■ Little Higher Rates & Premiums ■ Narrow Network of Doctors ■ Wide Network of Doctors ■ Specific Hospitals: – Olathe Medical – Shawnee Mission Medical – Children’s Mercy Hospital – University of Kansas Hospital – Liberty Hospital – North Kansas City Hospital – Truman Medical ■ All KC Hospitals

Spira Care Plans ■ All services, both preventive and diagnostic, that are received at a Care Center are covered at the following levels: – $2, 000 plan is covered at 100%. – $2, 800 plan has a $60 copay for care. ■ Care received outside of the Care Center but from a Blue. Select Plus provider is subject to the deductible. Once the deductible has been met, the plan will pay 100% for the remainder of the calendar year. ■ No Out-of-Network Coverage except for Emergency Services.

Spira Care Clinics Current Locations ■ Olathe – 15710 West 135 th Street ■ Shawnee – 10824 Shawnee Mission Pkwy ■ Lee’s Summit – 760 NW Blue Parkway ■ Liberty – 8350 N Church Rd ■ Crossroads – 1916 Grand Blvd ■ Wyandotte – 9800 Troup Ave

Medical Plan Options Blue Select Plus, Preferred Care Blue, & Spira Care Counties: (Dark Blue) ■ Johnson, KS ■ Wyandotte, KS ■ Jackson, MO ■ Clay, MO ■ Platte, MO White Missouri Counties: Andrew, Atchison, Bates, Benton, Buchanan, Caldwell, Carroll, Cass, Clinton, Daviess, Dekalb, Gentry, Grundy, Harrison, Henry, Holt, Johnson (MO), Lafeyette, Livingston, Mercer, Nodaway, Pettis, Ray, Saline, St Clair, Vernon, and Worth

Health Savings Account (HSA) ■ A personal savings account through UMB Bank – – – All money contributed is yours to keep even if you leave employment Balance rolls over from year to year Interest bearing account with investment options ■ Pre-Tax contributions (both employee and employer) – – – Must have an account set up to receive contributions 60 days from effective date to receive any retro employer contributions The district will contribute $140 per month if you enroll in the $2, 800 Blue Select Plus or $2, 800 Spira Care medical plans. ■ Qualified Medical, Dental and Vision expenses – – – You, your spouse and tax dependents 20% penalty if used for non-qualified distributions until age 65 Taxed on any non-qualified distributions

Health Savings Account (HSA) ■ Annual Contribution Limits – Based on plan enrollment (employee only vs family) – $3, 550 Single / $7, 100 Family – $1, 000 catch-up if age 55 or older – Both employee and employer contributions count towards annual limit – Your annual election is deducted on a per pay period basis ■ Eligibility – Must be enrolled in a QHDHP – Cannot be enrolled in any other type of health plan (Medicare, Medicaid, Tricare, a spouses PPO plan, etc. ) – Neither you or your spouse can have an FSA balance unless it is a Limited Purpose FSA or Dependent Care FSA – Cannot be claimed as a dependent under someone else’s tax return

Flexible Spending Account (FSA) ■ Pre-tax annual election through a payroll deduction (Annual elected amount / 24 pay periods) ■ IRS Limit - $2, 700 Healthcare related FSA’s / $5, 000 for Dependent Care FSA’s ■ Qualified Medical, Dental, and Vision Healthcare Expenses ■ Use it or Lose it – Grace Period: 3/15 of following plan year to incur – 90 days into new plan year to submit previously incurred receipts – At retirement / termination – must incur costs prior to last day – no grace period ■ During enrollment, select which dependent should receive a debit card, if any. DIFFERENT TYPES ■ Healthcare FSA – Medical, Dental and Vision ■ Limited FSA – Covered under a HDHP and contributing to an HSA – Dental and Vision only ■ Dependent Care FSA – Daycare and Adult/Elder Care

Amwell Telehealth ■ Video visits with a doctor anytime using the web or mobile app. – Choice of trusted, U. S. board-certified doctors – Consultation, diagnosis and prescription call-in ■ Use for common medical issues like colds, flu, fever, rash, abdominal pain, sinusitis, pinkeye, ear infection and migraines. ■ Amwell office visits are considered “urgent care” and will process according to your urgent care benefits, cost sharing or copay. ■ Amwell’s telehealth services can be used any time, day or night. It’s perfect when your doctor’s office is closed, you’re too sick or busy to see someone in person, or even when you’re traveling. ■ Signing up is free, Download the app or visit Amwell. com. – Will need your Blue KC insurance information when creating your account

Delta Dental Without Orthodontia under) With Orthodontia (Children 19 and Maximum benefit per year: $1000 per family member. 100% of cleanings unlimited 90% of basic (standard fillings, root canals) 50% of restorative care (bridges, crowns). 50% of orthodontia expense Maximum of $1000 per child per lifetime. In network and out of network coverage.

Vision (VSP) Vision Service Plan Vision Coverage Exam: Every 12 months $10 co-pay Frames: Every 24 months $25 co-pay to receive hardware allowances $150 allowance-standard frames $200 allowance-premier frames Lenses: Every 12 months Single vision, standard progressives lenses covered at 100% Premium progressive lenses - $90 Custom progressive lenses - $160 Contact Lenses: Every 12 months $150 allowance-contact and contact fitting fee

Voluntary Life Insurance Employee Life Insurance ■ Available in $10, 000 increments with a minimum of $10, 000 and a maximum of the lesser of 7 x your annual salary or $300, 000. At your first available enrollment, you can elect up to $150, 000 with no Evidence of Insurability. Spouse Life Insurance ■ Available in $10, 000 increments with a minimum of $10, 000 and a maximum of the lessor of 3. 5 x your annual salary or $150, 000. At your first available enrollment, you can elect up to $50, 000 with no Evidence of Insurability. Dependent Life Insurance ■ The guarantee issue amount for each dependent child is $10, 000. ■ Coverage ends at the end of the month prior to turning age 26. ■ If both parents work for the District only one parent can elect coverage on the same child. Beneficiaries ■ Make sure to elect your primary and contingent beneficiaries during open enrollment. Evidence of Insurability will be required for any amount of coverage elected by employees or spouses over Age 60 and/or for employees who have previously been declined and electing more than the $10, 000 or $20, 000 incremental increase. You must enroll in Employee Life coverage in order to purchase coverage for your Spouse or Dependents.

Voluntary Short-Term Disability insurance provides income protection if or when you can’t work because of an illness or injury. ■ Administered by American Fidelity There are three plan options that pay between 66% - 70% of your gross monthly compensation ■ Plan I - benefits begin on the 1 st day of disability due to a covered injury and on the 8 th day of disability due to a covered sickness. Benefits are payable for up to 180 days. ■ Plan II – benefits begin on the 15 th day of disability due to covered injury or sickness with benefits payable for up to 180 days. ■ Plan III – benefits begin on the 31 st day of disability due to covered injury or sickness with benefits payable for up to 150 days. All three plans include a hospital confinement and accidental death benefit. Premiums are calculated based on the plan you select and your annual income. If you are approved for social security benefits, the monthly amounts will be reduced by the social security benefit you receive.

Voluntary Cancer Insurance Help ease the impact on your finances should you or someone in your family be diagnosed with cancer. ■ Three levels of coverage: – Basic, Enhanced or Enhanced Plus Each level contains treatment, hospitalization, transportation surgical and continuing care benefits ■ Benefit payments are made directly to you, so you can use your benefit payment for any expense you wish. – ■ Additional Critical Illness, Heart Attack and Intensive Care Riders can be added to any coverage level. ■ Premiums are based on an age band the coverage level chosen. ■ Coverage is portable which means you can take it with you if you change jobs or retire. ■ Family coverage available.

Voluntary Accident Insurance ■ Helps with your out-of-pocket expenses for certain accident related injuries. – Benefits are paid directly to you through direct deposit (unless you choose otherwise) – Benefits are paid as a flat dollar amount based on the treatment o EX: MRI for Basic Plan will pay you $200 when a claim is submitted ■ Three levels of coverage are available: – Basic, Enhanced or Enhanced Plus ■ Coverage is guaranteed-issue (which means you qualify for coverage without having to answer health questions). ■ Coverage is available for you, your spouse, and your dependent children. ■ Rates depend on which plan coverage level you chose and who you cover. ■ Coverage is portable which means you can take it with you if you change jobs or retire.

Employee Assistance Program (EAP) Short Term Counseling: ■ Certified and licensed professionals available to help you and your dependents. ■ 24/7 support, 365 days a year. ■ Six sessions per issue. New Directions EAP For access to in-person or telephonic counseling ■ Call 800. 624. 5544 ■ Go online at www. ndbh. com to request an EAP appointment ■ Identify yourself as an Olathe Public School employee Legal and Financial Service: ■ Network of attorneys and financial counselors who can provide legal expertise and advice through an in-person visit or online. ■ Access to a database of customizable legal documents for wills, estate planning, asset sales and more. Online Health Resource Library: ■ Articles, videos, self-assessments, calculators and planners on thousands of topics designed to help improve your health.