2021 Employee Benefits Houston County School District Open

2021 Employee Benefits Houston County School District

Open Enrollment 2021 October 19, 2020 through November 6, 2020 Complete your enrollment online by November 6 at 11: 59 p. m. Benefits Resources Review your current elections and make changes for 2021 SHBP Decision Guide / Open Enrollment Guide No changes during the year without a life event Benefits Site: www. hcbebenefits. com Benefits Service Center 2

District Vs. Employee Paid Benefits • State Health • Dental • Long Term Disability • Basic Life • Sick Leave • Retirement • Gym Membership • Employee Assistance Program DISTRICT PAYS ALL OR PART • State Health • Dental • Short Term Disability • Optional / Dependent Life • Flexible Spending Accounts • Retirement / 403(b) YOUR CONTRIBUTION 3

Payroll Deductions PRE-TAX • MEDICAL CAN CHANGE TO POST TAX • DENTAL • FLEXIBLE SPENDING ACCOUNT (FSA) POST-TAX • LIFE INSURANCE • SHORT TERM DISABILITY 4

Dependent Eligibility • Health Insurance – Children are covered until age 26 • Dental and Life Insurance – Children are covered until age 26 (no student requirement) • Children may remain on the plans through the end of the month in which they turn 26 Is your spouse a HCBE employee? • Review your dependent information during Open Enrollment • Call the Benefits Service Center << or >> • Log onto the local benefits portal • Duplicate dental, spouse life, and child life insurance coverage is prohibited 5

What’s Changing for 2021 6

2021 State Health Benefit Plan Updates MEDICAL No Benefit Changes for 2021 Anthem ü HRAs and HMO United Healthcare ü High Deductible Health Plan and HMO No plan design changes ü Premiums will increase for 2021 7

2021 Local Benefit Updates No Dental, Life, or Disability Plan Changes or Premium Increases for 2021! 8

2021 Open Enrollment Information SHBP/Medical If you don’t complete an active enrollment election, your current medical plan and coverage level will continue, but at a higher rate Tobacco surcharge continues Local Benefits Enrollment is Not Required If you don’t complete an active enrollment election, your local elections will continue (except for FSA) FSA requires an active election! Review your life insurance beneficiary(ies)! We encourage you to review your current benefits even if you are not making changes 9

2021 Information Sessions Available On-Site Representatives will be available to answer questions and help you enroll at the dates and times below. Tuesday, October 20, 2020 Houston County Tennis Facility Wednesday, October 21, 2020 Houston County Tennis Facility Thursday, October 22, 2020 Houston County Tennis Facility 2: 00 p. m. – 6: 00 p. m. Drop-in Session Tuesday, October 27, 2020 Houston County Tennis Facility Wednesday, October 28, 2020 Houston County Tennis Facility Thursday, October 29, 2020 Houston County Tennis Facility 2: 00 p. m. – 6: 00 p. m. Drop-in Session 10

Open Enrollment Reminders • Open Enrollment ends November 6 th at 11: 59 p. m. • Address Change? Access the Employee Self-Service link found on the Single Sign On Portal or under the Employees tab on www. hcbe. net. • Not making changes to Local benefits? Call or log on to review your benefits, email address, and life insurance beneficiaries • First deductions are taken in December for January 1 coverage • SHBP dependent documentation for new health dependents – contact SHBP if you do not receive a documentation request 11

Local HCBE Benefits 12

Dental Plan Benefit Options BENEFIT HIGHLIGHTS (refer to Certificate for additional details) Low Plan In-Network High Plan In-Network Type A - Cleanings, exams, fluoride to age 19, x-rays, & more 100% Type B – Fillings, simple extractions, perio. maintenance, space maintainers, sealants for children, and more 60% 80% Type C – Surgical extractions, bridges, crowns, dentures 50% Type D – Orthodontia 50% Type of Service PLAN DEDUCTIBLE & MAXIMUMS Low Plan (In-network) High Plan (In-network) Deductible Ind $75 / Fam $225 Ind $50 / Fam $150 Annual Maximum $750 person $1500 person Ortho Maximum $750 person $1500 person 13

Dental Plan Coverage ü New enrollees may enroll with no restrictions or waiting periods ü In and out-of-network coverage ü Remain in-network to reduce your out-of-pocket dental expenses and avoid balance billing Want to find a participating provider? Visit www. metlife. com/dental In the “Find a Dentist” box, select PDP Plus as the network Need a replacement Met. Life Dental ID Card? Call 1 -800 -942 -0854 OR Go to www. metlife. com 14

Dental Plan Premiums Dental Coverage Monthly Payroll Deduction Low Plan Monthly Payroll Deduction High Plan Employee Only $19. 19 $30. 54 Employee + Spouse $43. 92 $67. 60 Employee + Child(ren) $50. 10 $76. 59 Family $82. 93 $121. 40 HCBE contributes an additional $5 per month toward premium 15

Flexible Spending Account (FSA) A new election is required every year! HEALTHCARE FSA • Maximum amount is $2, 750 • Eligible medical, dental, vision, and pharmacy out-ofpocket expenses, including some over-the-counter medications (no prescription needed) • Expenses for you and your dependents – regardless of participation in SHBP / other HCBE benefits • At the time of claim, your entire annual contribution is available DEPENDENT CARE FSA • Maximum amount is $5, 000 • Eligible day care, after-school care, day camps, nanny care for children, and certain adult care expenses 16

FSA Maximums: Married Employees Dependent Care FSA ü Maximum contribution of $2, 500 per year if married and file a separate tax return for your spouse ü Maximum contribution of $5, 000 per year if married and file joint return or if single or head of household Healthcare FSA ü Both spouses can elect a maximum contribution up to their employer’s FSA maximum 17

FSA Rollover: Use it or lose it • Rollover up to $550 of unused Healthcare FSA funds o Dependent Care FSA funds are not eligible for rollover • Any unused Healthcare FSA funds in excess of $550 are forfeited • Rollover balance requirements if no election is made for new plan year o $25 minimum balance required o Rollover funds must be used within 12 months Estimate carefully and consider your rollover funds when choosing your election amount 18

FSA Debit Cards Sample Debit Card Documentation may be requested for debit card transactions 19

Medcom – Online Portal www. medcombenefits. com Create an Online Account Check your FSA Balance View Eligible Expense Information File Claims and Submit Documentation • Request Replacement Debit Card • • 20

Medcom – Mobile App Manage your account on the go with the Wealth. Care Mobile App by Medcom • Access your benefits – 24 hours a day, 7 days a week • Submit claims for reimbursement • Access account balances, transaction history, and claims status • Take a picture of your receipt and submit for a claim • View important messages • Sign up for text alerts 21

Sick Leave and Disability STD begins once sick days are exhausted. Choose a plan with a benefit start date greater than your accumulated sick days Sick leave pays your full salary and coordinates with disability in the event you have a personal illness Short Term Disability (STD) provides an income replacement benefit up to one year The district provides Long Term Disability (LTD) - income replacement once you have been out of work for one year Consider your sick days now – don’t overpay for STD coverage 22

Short Term Disability (STD) Waiting / Elimination Period Rates per $100 Monthly Benefit 7 days $2. 29 14 days $1. 25 30 days $1. 10 45 days $0. 96 60 days $0. 86 STD benefit begins on the day following the last day of the waiting period Elect in $100 benefit increments up to a maximum of 66 2/3% of earnings Minimum monthly benefit is $100 23

Short Term Disability (STD) Sample Monthly Premiums- $1, 500 Benefit Waiting Period Monthly Payroll Deduction 7 days $34. 35 14 days $18. 75 30 days $16. 50 45 days $14. 40 60 days $12. 90 24

Basic Life & Beneficiary Information The District provides basic life equal to your annual salary up to $50, 000 Review coverage amount online Update your life insurance beneficiary 25

Optional Life Insurance Employee & Spouse Rates per $1, 000 Age 0 -29 $0. 045 Age 30 -34 $0. 055 Age 35 -39 $0. 07 Age 40 -44 $0. 11 Age 45 -49 $0. 16 Age 50 -54 $0. 25 Age 55 -59 $0. 42 Age 60 -64 $0. 672 Age 65 -69 $0. 936 Age 70 -74 $1. 896 Age 75+ $2. 07 Employee Optional Life 1 to 5 times earnings to a maximum of $500, 000 Spouse Life $5, 000 = $1. 53 or $10, 000, 25, 000, or $50, 000 = age-rated Child(ren) Life $5, 000 = $. 30 per month or $10, 000 = $. 60 per month Benefit Reductions Due to Age: Age 70 -75: 65% Age 75 -79: 45% Age 80 +: 30% 26

Optional Life Premiums Employee Life Monthly Payroll Deductions Benefit Amount Age 30 Age 40 Age 50 Age 60 $30, 000 $1. 65 $3. 30 $7. 50 $20. 16 Spouse Life Monthly Payroll Deductions $50, 000 $2. 75 $5. 50 $12. 50 $33. 60 Benefit Amount $100, 000 $5. 50 $11. 00 $25. 00 $67. 20 $5, 000 Age 30 Age 40 Age 50 Age 60 $1. 53 All Ages $25, 000 $1. 38 $2. 75 $6. 25 $16. 80 $50, 000 $2. 75 $5. 50 $12. 50 $33. 60 Child Life Monthly Payroll Deduction $10, 000 Benefit $. 60 Important Note: Life insurance premiums will increase as you increase in age 27

Life & Disability Health Questions Life Insurance Health Questions for New Elections and Increases at Open Enrollment Short Term Disability No Health Questions • Disabilities caused by pre-existing • New elections and increases for employees and spouses require Evidence of Insurability (EOI) at Open Enrollment conditions are excluded for the first 6 months of coverage • No annual health underwriting • Child life elections and increases are allowed with no health questions 28

State Health Benefit Plan (SHBP) 29

SHBP Plan Options HRA anthem. com/SHBP • Gold, Silver, and Bronze • No Copays High Deductible Health Plan (HDHP) welcometouhc. com/shbp • Lowest premiums • Highest deductible and out-of-pocket expense HMO • Lower deductible • Copays • In-Network coverage only 30

Anthem HRA – Things to Know • HRA Gold, Silver and Bronze options • No copays, varying deductibles and coinsurance • Most services are subject to the deductible, and after you meet your in-network deductible, you pay coinsurance • Health Reimbursement Account (HRA) • First dollar coverage built into the plan • Offsets deductible and pharmacy costs • Unused HRA balances carry forward each plan year • Certain drug costs are waived if you actively participate in one of the Disease Management Programs for the treatment of diabetes, asthma, ALS, cystic fibrosis, Parkinson’s Disease, or coronary artery disease 31

HMO Plans – Things to Know • Copays for Doctor visits count towards the out-of-pocket maximum but not towards the deductible • Many services are subject to a deductible and coinsurance • In-Network coverage only • As with the HRA plans, the HMOs include an enhanced pharmacy benefit for participation in Disease Management 32

UHC HDHP Plans – Things to Know • Lowest premiums • Highest out-of-pocket costs for medical services • All services including pharmacy are subject to deductible • No copays • Once you meet your deductible, you pay coinsurance until you meet the out-of-pocket maximum 33

Benefit Summary ANTHEM GOLD HRA ANTHEM SILVER HRA ANTHEM BRONZE HRA UHC & ANTHEM HMO UHC HDHP In-Network Deductible You $1, 500 $2, 000 $2, 500 $1, 300 $3, 500 You + Child(ren)/Spouse $2, 250 $3, 000 $3, 750 $1, 950 $7, 000 You + Family $3, 000 $4, 000 $5, 000 $2, 600 $7, 000 Medical Out-Of-Pocket Max You $4, 000 $5, 000 $6, 000 $4, 000 $6, 450 You + Child(ren)/Spouse $6, 000 $7, 500 $9, 000 $6, 500 $12, 900 You + Family $8, 000 $10, 000 $12, 000 $9, 000 $12, 900 Coinsurance (Plan Pays) 85 % 80 % 70 % PCP/Specialist Visit Coins After Ded $35/$45 Copay Coins After Ded Plan Provided HRA Credits You $400 $200 $100 N/A You + Spouse or + Child(ren) $600 $300 $150 N/A You + Family $800 $400 $200 N/A 34

SHBP Pharmacy Benefits Pharmacy Tier Anthem Gold, Silver, & Bronze HRA Plans Anthem & UHC HMO Plans Tier 1 15 % ($20 Min/$50 Max) $20 copay Tier 2 25 % ($50 Min/$80 Max) $50 copay Tier 3 25 % ($80 Min/$125 Max) $90 copay Access https: //info. caremark. com/shbp for participating pharmacy information 35

Medical Monthly Premiums PLAN OPTIONS YOU + CHILD(REN) YOU + SPOUSE YOU + FAMILY ANTHEM HRA GOLD $175. 68 $320. 11 $436. 33 $580. 76 ANTHEM HRA SILVER $114. 32 $215. 80 $307. 47 $408. 95 ANTHEM HRA BRONZE $76. 58 $151. 64 $228. 22 $303. 28 ANTHEM HMO $143. 03 $264. 61 $367. 76 $489. 34 UHC HMO $174. 49 $318. 09 $433. 83 $577. 43 UHC HDHP $61. 83 $126. 57 $197. 24 $261. 98 HCBE contributes $945 per employee per month, or $11, 340 per employee per year towards medical coverage 36

Telemedicine Benefit • 24/7 access to physicians through your smartphone, tablet, or computer with a webcam by visiting https: //livehealthonline. com/ • See and talk to a participating doctor while at home, work or on the go • • In-network coverage only Copay for HMO Coinsurance for HRA Deductible for HDHP 37

SHBP Wellness Program All SHBP Plans Offer Well-Being Incentive Credits • Personalized health recommendations based on health behaviors and interests • Well-Being incentive credits can be redeemed for incentive credits or a Visa gift card • www. bewellshbp. com • Mobile app can be downloaded from the App Store (Apple) or Google Play (Android) 38

SHBP Wellness Program All SHBP Plans Offer Well-Being Incentive Credits for Employees and Spouses 1. Well-Being Assessment (Real Age Test), a confidential, online questionnaire about your health PLUS 2. Biometric Screening Assess your Health Earn $240 in Incentive Credits ($480 for you and spouse) 3. Take Action with Coaching or Online Pathway Phone Coaching: Earn $60 in Incentive Credits for one call each month up to 4 times/year Online Pathway: Earn 120 credits for 60 Green Days within a 90 day period. You can earn up to 2 times, for a maximum of 240 credits. Earn $240 in Incentive Credits ($480 for you and spouse) Employees and spouses may complete tasks between January 1, 2021 and November 30, 2021 39

SHBP Wellness Program UHC High Deductible Health Plan Before you can use your well-being incentive credits, you must meet this portion of your deductible: You: $1, 350 You + Child(ren): $2, 700 You + Spouse: $2, 700 Family: $2, 700 Note: UHC matches the first $240 employee well-being incentive credits 40

What’s the Best Plan for You? Review physician networks before making your health plan decision www. anthem. com/shbp www. welcometouhc. com/shbp 41

Tricare Supplement Plan Coverage Level Tri. Care Supplement Premiums You $60. 50 You + Child(ren) or Spouse $119. 50 You + Family $160. 50 • For retired military • A supplement to your current Tri. Care benefits • Contact www. asicorporation. com/ga_shbp for benefits information 42

Peach. Care for Kids • Your children may be eligible for Peach. Care • Low cost health insurance • Access www. peachcare. org • Eligibility information • Benefits and cost information 43

How to Enroll 44

Ready to Enroll: Medical Plan STEP 1 • Enrollment instructions in Decision Guide • Print your Confirmation Statement for your records • New dependent documentation is required • Registration code is SHBPGA www. my. SHBPga. adp. com 45

Ready to Enroll: Medical Plan Call by Phone: STEP 1 Employees may enroll in benefits by phone. Contact SHBP for medical elections at 800 -610 -1863. 46

Ready to Enroll: Local Benefits STEP 2 Online Enrollment • www. hcbebenefits. com, then click Benefits Portal • Use Forgot Password or Forgot Your Username options if needed • Sign in and scroll down. Click Begin Event to get started. • Confirm or update your email address • Confirmation Statement will be provided after you enroll 47

Ready to Enroll: Local Benefits STEP 2 • • Call the Benefits Service Center at 1 -866 -671 -0721 Review your available local benefits and complete your elections The Benefits Service Center is also available during the year for benefits questions Monday – Thursday 8 am to 6 pm and Friday from 8 am to 5 pm Please confirm your email address! You will receive a Confirmation Statement via email after you enroll. 48

Confirmation Statements Your Confirmation Statement for local benefits will not include medical coverage You will receive a separate medical Confirmation Statement from State Health if you complete a health plan election Retain both Confirmation Statements for your records Employee Name Employee Address City, ST, ZIP

Thank you! 50