Birdville ISD Benefits Enrollment Overview 2016 2017 1

Birdville ISD Benefits Enrollment Overview 2016 -2017 1

Online Benefit Access 24/7 www. mybenefitshub. com/birdvilleisd : • This is the site you visit for Benefit Questions. • This is the site you visit to login & complete your benefits enrollment for 2016 -2017. 2

Online Benefit Enrollment How Do I Login to Complete My Enrollment? • Please visit www. mybenefitshub. com/birdvilleisd and click Login: 3

Online Benefit Enrollment What is My Username & Password? • Username: the first six (6) characters of your last name followed by the first letter of your first name, followed by the last four (4) digits of your Social Security Number. • Default Password: your full last name (lowercase, excluding punctuation) followed by the last four (4) digits of your Social Security Number. • Example: My name is Thomas Jefferson & my social is 000 -00 -1234: – Username: jeffert 1234 – Password: jefferson 1234 4

Online Benefit Enrollment I’m Still Having Problems Logging In: • If you are having trouble logging in, click on the “Login Help Video” for assistance. • If you continue to experience problems, or are locked out please call: 469 -385 -4685 5

Annual Benefits Enrollment Birdville ISD’s Enrollment Window: • Annual Enrollment opens in July & closes in August. – You must login & complete your benefits enrollment during this time! • Update your profile information in MUNIS Self Serve: – Home Address, Phone #, Email, etc. – For login assistance call the Help Desk or complete a service request. • Update Dependent(s)SSN. 6

Benefit Updates What’s New for 2016 -2017: • Benefit elections will become effective 9/1/2016 (elections requiring evidence of insurability, such as life Insurance, may have a later effective date, if approved). After annual enrollment closes, benefit changes can only be made if you experience a qualifying event (and changes must be made within 30 days of event). 7

Benefit Updates What’s New for 2016 -2017: • Medical: Rates increased for the Scott & White HMO, Active. Care Select & Active. Care 2. Benefit Changes for all plans can be found on the Benefits Website. • New Carriers! – Disability: Cigna • Flexible Spending Accounts: If you currently participate in a Health Care or Dependent Care FSA, you MUST re-elect a new contribution amount every year to continue to participate. Cards are good for 3 years! – You are not eligible for Health. Care FSA if you are enrolled in a HSA. 8

Existing Product Updates: Medical • DUE TO THE ACA, EVERY EMPLOYEE IS REQUIRED TO ACCESS THEBENEFITSHUB & ELECT OR WAIVE MEDICAL COVERAGE! • If you are waiving medical coverage, you MUST complete the online declination. • Benefit Changes & Plan Comparisons can be found by visiting: http: //trs. state. tx. us • Plan Summaries, Provider Search, Temporary ID Cards & Important Forms are available by visiting: Active. Care: www. trsactivecareaetna. com Scott & White: https: //trs. swhp. org/ 9

Existing Product Updates: Disability– Cigna • Cigna is replacing The Hartford as the Disability provider. o If you are currently enrolled in The Hartford’s Disability plan you will automatically be enrolled to the corresponding Cigna Disability plan. Why Do I Need Disability? • Disability is designed to provide a monthly income to an employee • that is disabled due to an accident or illness. Elimination Periods are the # of days you must be disabled before benefits begin & vary from 0/7 to 180 days. – Employees electing an elimination period of 30 days or less, if you are confined to a hospital for 24+ hours due to a disability, the elimination period is waived, & benefits will be payable from the first day of disability. • 2 Disability Options: • All new or increases in coverage are subject to pre-existing condition exclusions. Visit www. mybenefitshub. com/birdvilleisd for more details. • – Premium or – Select 10

One. America: Life & AD&D One. America Voluntary Life & AD&D • Birdville ISD offers $10, 000 of Basic Life w/AD&D coverage to every eligible employee. • Voluntary Life*: New Hires: You may elect up to $250, 000 (cannot exceed 7 times annual salary) with no health questions required! Existing Employees: If you currently have coverage you may increase it by one $10, 000 increment with no health questions (not to exceed the New Hire guarantee issue and/or 7 times annual salary). All increases above these amounts will require an evidence of insurability (EOI). • Voluntary Spouse Life*: New Hires: You may elect up to $50, 000 (cannot exceed EE’s amount) with no health questions required! Existing Employees: If you currently have coverage you may increase it by one $5, 000 increment with no health questions (not to exceed the New Hire guarantee issue and/or EE’s amount). All increases above these amounts will require an evidence of insurability (EOI). • Voluntary AD&D: You can elect Accidental Death & Dismemberment coverage for you and/or your family *Must meet Actively at Work Requirement. 11

EAP What’s an Employee Assistance Program (EAP)? • Your EAP through Life. Works offers confidential short-term counseling & support for you & your family: – – – Stress & Depression Relationships Substance abuse Referrals to child care & elder care providers Financial & Legal Resources & much more! • This coverage is free for you & your family. – – 6 face to face sessions (for each family member) Unlimited telephonic support 12 12

Telehealth-MDLive Telehealth – MDLive offers unlimited, 24/7 medical consultations at no cost to you or your family! • Welcome Kits are located at: www. mybenefitshub. com/birdvilleisd • MDLive’s website: www. consultmdlive. com • MDLive’s Phone #: 888. 365. 1663 • Download the MDLive mobile app today! 13

APL MEDLink IV® - Medical Gap • • • MEDlink® IV is designed to help supplement your medical insurance plan & can help cover some of your out-of-pocket expenses. You must be enrolled in a TRS medical plan. You are not eligible for MEDlink® IV if any of the following apply: – – – You (or your dependents) are not covered under the school’s major medical plan. Covered by TRS-Care (retiree plan), Medicare, Medicaid. Have a Medical Savings Accounts (an actively funded HSA). Are non-residents of the United States. Employees not actively at work on the plan effective date are not eligible. 14

Dental PPO & HMO Delta Dental PPO & DHMO Dental • • 2 PPO Options: Low PO & High PPO Receive the best benefit by staying In-Network PPO High Plan • Rates PPO Low Plan Rates Employee Only $36. 12 Employee Only $25. 55 Employee + Spouse $70. 47 Employee + Spouse $50. 66 Employee + Child(ren) $80. 75 Employee + Child(ren) $57. 14 Employee + Family $116. 23 Employee + Family $82. 23 You must elect a Primary Car Dentist to receive DHMO covered services. DHMO Plan Rates Employee Only $11. 66 Employee + Spouse $22. 15 Employee + Child(ren) $23. 31 Employee + Family $36. 12 15 15

Superior Vision Tier Monthly Rates Employee Only $9. 23 Employee + Spouse $18. 28 Employee + Child(ren) $17. 93 Employee + Family $27. 24 • Print your ID card online at Superior. Vision. com. • Customer Service 800. 507. 3800. 16

APL - Cancer • • Many major medical insurance policies do not cover all of the expenses related to the treatment of cancer, which could leave you & your family with unexpected expenses. 4 Plan Options. All new or increases in coverage are subject to a 12 -month preexisting condition exclusion. A $50* Diagnostic Testing Benefit Rider is available! – *1 person, per calendar year (30 day waiting period). – The $50 Wellness Claim Form can be found on www. mybenefitshub. com/birdvilleisd under the “Cancer” section. 17

ID Watchdog- Identity Theft • Identity theft can strike anyone, at any time. • • IDWatchdog Identity specialists will work on your behalf to resolve issues. Monthly Reporting Alerts Full Resolution Services are included should your identity ever be compromised while utilizing ID Watchdog’s services. You must include social security #’s in the enrollment system to utilize this service. 18

Hyatt Legal - Met. Law • • • Met. Law provides you with telephone & office consultations for an unlimited # of matters with the attorney of your choice. The attorney will review the law, discuss your rights & responsibilities, explore your options & recommend a course of action. Examples of Legal Representation: – – – • Free Will Preparation Estate Planning Documents Financial Matters Real Estate Matters Family Law Document Preparation $16. 50 Per Month & Covers Employee, Spouse & Dependents. 19

Flexible Spending Accounts (FSA) • • • Your FSA is administered by NBS (National Benefit Services). FSA’s allow you to pay for qualified expenses on a pre-tax basis, thereby reducing your taxable income. You determine the monthly contribution amount. Funds allocated to a FSA must be used during the plan year as they are Use-it-or-Lose-it! You must re-enroll in your FSA’s each year! Your contribution will not roll over! Health. Care FSA: – Pay for eligible medical expenses like deductibles, co-payments, prescription drugs, & other expenses not covered by TRS Active. Care & dental or vision expenses. – Cards are good for 3 years! – You cannot enroll in a HSA if you have this plan. • Dependent. Care FSA: – Pay for child or elder day care expenses. – If you participate in this plan, make sure to sign up for direct deposit so you can get reimbursed each month faster! 20

Health Savings Account (HSA) • A HSA is a unique tax-advantaged account you can use to pay for healthcare, dental and/or vision expenses. Funds contributed to your account never expire & can accumulate year after year. • You must be enrolled in a High Deductible (HD) medical plan to qualify for a Health Savings Account (HSA). • 2015 Maximums are $3, 350 for individual & $6, 750 for family. Ages 55+ have an additional “catch-up” contribution of $1, 000. • If you enroll in a HSA you are not eligible for the MEDLink Gap plan or a Health. Care Reimbursement (Flex). Health Savings Account Plan (HSA) High Deductible Insurance + Savings Account Protects you from big medical bills Helps pay your deductible Tax-deductible deposits Tax-deferred growth 21

FSA and HSA Comparison What’s the Difference Between FSA & HSA? Participants with a Flexible Spending Account (FSA): 1. Funds are up fronted. Participants with a Health Savings Account (HSA) : 1. Funds are NOT up fronted. 2. Funds do not roll year to year. 2. Funds will roll year to year. 3. Can participate in a MEDLink (Gap) Plan. 3. Cannot have a MEDLink (Gap) plan. 4. Cannot have a HSA. 4. Cannot have a FSA. 5. Can be enrolled in any medical plan. 5. Must be enrolled in a High Deductible (HD) Plan. • You can only withdrawal what you have contributed to your account. 22

Health Savings Account (HSA) Eligibility Enrolled in a High Deductible Health Plan (HDHP)? Yes NO! Eligible for HSA? Yes NO! Enrolled in HSA? Yes Eligible for MEDLink (Gap) & FSA? NO! 23

Section 125 Cafeteria Plan Amendments There are special rules & requirements to receive the pre-tax benefit election plan privileges: • Birdville ISD must set a plan year. The plan year is: – September 1 – August 31 of each year. • Although coverage is voluntary, every employee is required to review their current elections & make changes as desired by completing the Birdville ISD online enrollment. • Any pre-tax elections will remain in effect unless you have a qualified event change in family status. Qualifying event benefit changes must be made within 30 days of the event & changes must be consistent with the event. • Qualifying Event Examples: – Marriage, Divorce, Birth or Adoption, Death, Change in Dependent Eligibility Status, etc. 24

Thank you! Benefits Enrollment Call Center 469 -385 -4685 Benefits Website www. mybenefitshub. com/birdvilleisd Active. Care Medical Information www. trsactivecareaetna. com Scott & White Medical Information https: //trs. swhp. org/ 25