Houston County Board of Education New Employee Benefits

Houston County Board of Education New Employee Benefits Orientation 2016 Benefits 1

ABOUT THIS ORIENTATION This is a brief overview of your Houston County Board of Education benefits, the enrollment process and your benefits resources. Please review the presentation and the New Employee Guide and elect your benefits. This information is a summary. Refer to the Plan documents for additional details. 2

ELIGIBILITY & PLAN YEAR INFORMATION • Benefits Plan Year = Calendar Year (January – December) • New Employee benefits • Begin the 1 st of the month following a full calendar month worked • Monthly payroll deductions • No changes until Open Enrollment without Qualifying Life Event • Open Enrollment is mid Oct – mid Nov for Jan 1 coverage • Qualifying Events (i. e. marriage, birth, loss/gain of coverage) – changes allowed within 31 days of event 3

LOCAL BENEFITS ENROLLMENT Access the on-line Benefits Center portal to elect Local Benefits (Dental, Life, Disability & Flexible Spending Accounts): 1. Access www. hcbe. net 2. Login to Benefits Portal Ex: SNL 9876 User Id: Click Benefits Click Employee Benefits Center First+Middle+Last initial and the last 4 of your SSN Password: Click “First Time User” Call the Benefits Service Center for website navigation: 866 -671 -0721

HEALTH ENROLLMENT o Access https: //myshbpga. adp. com/shbp/ to elect coverage o Online enrollment is available as of your date of hire o Enroll as soon as possible to avoid double deductions 5

ENROLLMENT INFORMATION State Health Benefit Plan o Review the 2016 Active Employee Decision Guide o Dependent documentation is required o Follow specific ADP instructions to add dependents to the medical plan o Submit documentation to ADP and the Benefits Office in the format required by the deadline provided by ADP o Transfers in from other districts o Confirm current SHBP coverage o No SHBP changes are permitted until next Open Enrollment 6

ENROLLMENT DEADLINE o Local Benefits - Enroll by midnight on New-Hire meeting day o Health Benefits – Enroll on date of hire o Review HCBE & SHBP/ADP Confirmation Statements for accuracy o Keep Confirmation Statements for your documentation o No changes during the year unless Qualifying Event 7

ENROLLMENT INFORMATION Before you enroll your dependents… • Health/SHBP • Dependent children are eligible until age 26 • Coverage continues through the end of the month of the 26 th birthday • Local/Dental and Life • Dependents are eligible to age 19, or to age 26 if fulltime student • Is your spouse also an HCBE employee? • Avoid duplicate life or dental coverage 8

2016 BENEFITS PORTFOLIO HCBE PAYS ALL OR PART OPTIONAL BENEFITS • State Health Benefit Plan • State Health Plan • Dental • Basic Life • Optional Life • Sick Leave • Dependent Life • Long Term Disability • Short Term Disability • Retirement • Flexible Spending Accounts • Retirement (TRS or PSERS) • Supplemental RETR (403 b/457/Roth) 9

STATE HEALTH BENEFIT PLAN (SHBP)

2016 MEDICAL MONTHLY PREMIUMS BENEFIT PLAN YOU + CHILD(REN) YOU + SPOUSE YOU + FAMILY BCBS HRA GOLD $158. 79 $288. 01 $390. 23 $519. 43 BCBS HRA SILVER $105. 33 $197. 12 $277. 96 $369. 74 BCBS HRA BRONZE $66. 28 $130. 74 $195. 96 $260. 40 BCBS HMO $130. 58 $240. 05 $330. 99 $440. 44 UHC HMO $170. 68 $308. 22 $415. 20 $552. 71 UHC HDHP $57. 46 $115. 75 $177. 45 $235. 72

BCBS HRA PLANS • Three HRA plans – Gold, Silver & Bronze • Varying deductibles, coinsurance and HRA funding • Medical services are subject to a deductible first, then coinsurance • The HRA (Health Reimbursement Account) is board-funded, provides first dollar coverage, offsets your medical and pharmacy costs • Unused HRA balances roll-over to future years • The HRA plans do not include copays • Some drug costs are waived for participation in Disease Management (diabetes, asthma, coronary artery disease) • Out-of-Pocket maximum includes deductibles and pharmacy expenses

BCBS and UHC HMO PLANS • In-network coverage only • Copays for Physician and Specialist visits • Most other services are subject to a deductible and coinsurance • Out-of-pocket Maximum includes deductibles, copays and pharmacy expenses • Some drug costs are waived for participation in Disease Management (diabetes, asthma, coronary artery disease)

UHC HIGH DEDUCTIBLE HEALTH PLAN • All services including pharmacy expenses are subject to deductible • No copays • Once you meet your deductible, you pay coinsurance until you meet the out-of-pocket maximum • Lowest premiums • Highest out-of-pocket costs for medical services

2016 TELEMEDICINE BENEFIT • Available to all SHBP members • 24/7 access to physicians through smartphone, tablet, or computer with a webcam • See and talk to a participating doctor while at home, work or on the go • Physician consult, diagnose, and issue prescriptions • Lower out-of-pocket costs for HRA members

RETAIL PHARMACY BENEFITS HMO and HRA Plans Pharmacy Tier BCBS Gold, Silver & Bronze HRAs BCBS GA & UHC HMOs 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

2016 WELLNESS PROGRAM All SHBP plans offer Well-Being Incentive Credits COMPLETE A WELL-BEING ASSESSMENT (WBA) AND A BIOMETRIC SCREENING EARN $240 IN WELL-BEING INCENTIVE CREDITS ($480 YOU AND SPOUSE) Complete tasks between January 1, 2016 and December 15, 2016 COMPLETE THE COACHING PATHWAY OR ONLINE PATHWAY EARN $240 IN WELL-BEING INCENTIVE CREDITS ($480 YOU AND SPOUSE)

2016 WELLNESS PROGRAM HIGH DEDUCTIBLE HEALTH PLAN (HDHP) Before you can use your credits, you must meet this portion of your HDHP deductible: You: $1, 300 You + Child(ren): $2, 600 You + Spouse: $2, 600 Family: $2, 600 HDHP Members: UHC matches the first $240 employee well-being incentive credits

BENEFIT SUMMARY BCBS GOLD HRA BCBS SILVER HRA BCBS BRONZE HRA UHC & BCBS HMO UHC HDHP 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 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 Visit Coins After Ded $35 Copay Coins After Ded Specialist Visit Coins After Ded $45 Copay Coins After Ded You $400 $200 $100 N/A You + Spouse $600 $300 $150 N/A You + Child(ren) $600 $300 $150 N/A You + Family $800 $400 $200 N/A COVERAGE ITEM Deductible Medical Out-Of-Pocket Maximum Medical Plan Provided HRA Credits

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

PEACHCARE FOR KIDS • Your children may be eligible for Peach. Care • Low cost health insurance • Access www. peachcare. org • Find out if you are eligible • Apply for coverage

MEDICAL PLAN HCBE CONTRIBUTIONS HCBE pays the majority of your health plan premium HCBE Contribution - Certified Employee $ 945. 00 per month $ 11, 340. 00 per year HCBE Contribution - Classified Employee $ 746. 20 per month $ 8, 954. 40 per year 22

Health Plan Questions? Review the Health Plan Decision Guide Blue Cross Blue Shield: 855 -641 -4862 www. bcbsga. com/shbp United Healthcare: 888 -364 -6352 www. welcometouhc. com/shbp Healthways: 888 -616 -6411 www. bewellshbp. com Express Scripts: 877 -841 -5227 www. dch. georgia. gov/shbp

Affordable Care Act Update • SHBP coverage meets the Affordable Care Act’s (ACA) requirements to maintain essential benefits and minimum health value coverage • The SHBP is intended to be affordable for all employees • Employees may still elect coverage in the Marketplace, but are likely not eligible for a tax credit

LOCAL/HCBE BENEFITS 25

GYM MEMBERSHIP @ Edge Fitness To further encourage your well-being: All HCBE full-time employees get: • Free “Gold” level gym membership at the EDGE location of your choice • Use of all equipment • Free personal training session and boot camp class Other options at your cost: • Platinum Membership at $ 10 per month • Open access to all 3 locations • Take a friend when you go • 24 -hour key is available for $20 (one time fee) 26

FLEXIBLE SPENDING ACCOUNT • Optum Health is the FSA administrator • Pre-tax contributions • Two accounts to choose from: 1. Dependent Care FSA (day care, ASP fees) 2. Health Care FSA (medical/dental/vision costs) • Monthly contributions help you budget for larger expenses • You don’t have to be enrolled in our plans to participate • Claim expenses for all dependents claimed on taxes 27

FLEXIBLE SPENDING ACCOUNT Health Care FSA Expenses • Medical and dental plan deductibles, coinsurance, pharmacy • Vision expenses – Reminder: SHBP includes an exam benefit. Use your FSA account to purchase contacts/glasses • Check the eligible expense list online About Your Health Care FSA Balance • Your full Annual Health Care FSA election is available on January 1 st • No need to wait until the funds are in the account for reimbursement Annual Health. Care FSA max is $2, 550 • Up to $ 500 of unused Health Care FSA funds carry over to next year 28

FLEXIBLE SPENDING ACCOUNT Dependent Care FSA Expenses • Child day care and after school care for children up to age 13 • Certain adult day care expense About your Dependent Care Account • Dependent Care funds are available once applied to your account • Wait until the money is in your account for reimbursement Annual Household Dependent Care FSA max is $5, 000 29

FLEXIBLE SPENDING ACCOUNT FSA Claim Administration • Administered by Optum Health – www. optumhealthfinancial. com • Claims must be incurred by December 31 st and submitted by February 28 th • File Claims via fax, mail, or with Optum Health mobile app • Or, Optum Health FSA Debit Card will be provided for automatic withdrawal of funds Eliminates manual claim and reimbursement • Keep all receipts, even for debit card purchases – documentation will be requested • Look for your debit card by mail after you enroll 30

DENTAL Met. Life Dental Plan • High and Low Dental Plan options • In and out-of-network benefits • Remain in-network to reduce out-of-pocket costs • In-network providers - www. metlife. com/dental • In the “Find a Dentist” box, select PDP Plus and follow instructions (PDP – “Preferred Dental Provider”) 31

DENTAL BENEFIT HIGHLIGHTS (refer to Certificate for additional details) Type of Service Low Plan (In-Network) High Plan (In-Network) Type A - Cleanings, exams, fluoride to age 19, x-rays, and more 100% 60% 80% Type C – Surgical extractions, bridges, crowns, dentures 50% Type D - Orthodontia 50% Type B – Fillings, simple extractions, perio. maintenance, space maintainers, sealants for children, and more 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 32

DENTAL Dental Coverage Monthly Payroll Deduction Low Plan Monthly Payroll Deduction High Plan Employee Only $18. 73 $30. 26 Employee + Spouse $43. 00 $66. 23 Employee + Child(ren) $ 49. 06 $75. 06 Family $ 81. 27 $119. 02 HCBE contributes an additional $5 per month toward premium 33

DENTAL Declining Dental as a New Employee? • If dental coverage is waived now, benefit restrictions will apply as a late entrant • Late entrants covered for preventive care only for the first year of coverage LATE ENTRANT INFORMATION • Plan changes from Low to High during Open Enrollment have no benefit restrictions 34

LIFE INSURANCE Voya Financial Life Insurance Plan • HCBE provides Basic Life Insurance in the amount of 1 times salary up to $50, 000 at no cost to you • Elect optional life at 1, 2, 3, 4, or 5 times salary • As a new-hire, you may elect up to 3 times your salary with no medical questions • Dependent Life coverage is available for your family too: • Spouse - $ 5, 000, $10, 000 or $25, 000 • Child - $5, 000 or $10, 000 • Elect dependent Life now with no medical questions • Is your spouse an HCBE employee? If so, no need to enroll them (duplicate coverage is not permitted) • Designate a Primary and Secondary beneficiary 35

OPTIONAL LIFE SUMMARY OF BENEFITS Employee Benefit Amount Benefit Maximum Guarantee Issue (GI) Dependent Spouse (for you & spouse) 1 -5 times your basic yearly earnings 0 – 29 $0. 045 30 – 34 $0. 055 Up to $500, 000 35 – 39 $0. 07 40 – 44 $0. 11 $5, 000 - Cost is $1. 53 per month 45 – 49 $0. 16 50 – 54 $0. 25 $10, 000 - Age banded – use table to the right 55 – 59 $0. 35 60 – 64 65 – 69 70+ $0. 56 $0. 78 $1. 58 $300, 000 $25, 000 - Age-banded – use table to the right) Child(ren) RATES per $1, 000 $5, 000 - Cost is $. 30 $10, 000 - Cost is $. 60 Benefit Reductions Due to Age 70 -75: 65% Age 75 -80: 45% Age 80+: 30% (applies to spouse $10 k and $25 k) 36

SICK LEAVE • Full-time employees accumulate sick leave at approximately 1. 25 days per month • Sick Leave balances appear on your paystub • Three sick leave days can be used as personal leave each school term • Request personal leave days in advance for approval • Use Sick Leave wisely • Advantages to accumulating your sick leave: - Once you reach 45 days, you earn a 4 th personal leave day. At 60 days, you earn a 5 th personal leave day - Accumulation of sick leave will reduce your disability premiums - TRS allows you to apply unused sick leave as service credit for retirement 37

SHORT TERM DISABILITY Voya Financial STD Plan • Provides income replacement in the event you are ill or injured and unable to work • No medical questions or physical when enrolling as a new-hire • Choose from 5 waiting periods: 7, 14, 30, 45, or 60 days • STD benefits begin following the waiting period or after sick leave is exhausted (if sick leave balance is more than waiting period) • Sick leave must be exhausted before the plan pays a benefit • Elect up to 66 2/3% of your monthly salary • Transferring in? If so, consider your sick leave balance. Up to 45 days can transfer in from another GA system 38

SHORT TERM DISABILITY OPTIONS AND RATES SUMMARY 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 • Elect in $100 increments up to 66 2/3% of your salary (rounded up to next higher $100) • The enrollment portal reflects all STD options and premiums 39

LONG TERM DISABILITY Voya Financial LTD PLAN • HCBE provides this benefit at no cost to you • Long Term Disability (LTD) benefits provide income replacement if you are unable to work for one year due to a personal disability • LTD benefits are payable at 60% of pay up to $5, 000 • Benefits begin after 1 year of disability and continue to age 65. (See benefit schedule for disabilities occurring at age 60) 40

RETIREMENT PLANS 41

HCBE RETIREMENT • Social Security • Teacher’s Retirement System (TRS) or Public School Employees Retirement System (PSERS) • Houston County Board of Education Supplemental Retirement Plan 42

TEACHER’S RETIREMENT SYSTEM (TRS) The following employees will be enrolled: Certified Teacher, Administrator, Clerical staff, Parapro, Lead Custodian, & School Nutrition Manager • TRS is funded by you and HCBE: You contribute – 6% of pay HCBE contributes – 14. 27% of pay • For account information, annual statements, etc. go to: www. trsga. com 43

TEACHER’S RETIREMENT SYSTEM (TRS) • Employees are vested in TRS after 10 years of service • Retirement Eligibility: • after 30 years of service (no age requirement) • after 10 years of service at age 60 • after 25 years of service and before age 60 with reduced benefits • reminder: accumulated sick leave adds to service credit • TRS is a defined benefit plan and retirement is based on the average of your highest consecutive 2 years of pay – Calculation: 2% x Years of Service x Pay – Example: 2% x 30 years = 60% Average of highest 24 consecutive months of pay = $ 70, 000 60% x $ 70, 000 = $ 42, 000/year 44

PUBLIC SCHOOL EMPLOYEES RETIREMENT SYSTEM (PSERS) Transportation, School Nutrition, Maintenance and Custodial staff participate in PSERS • You contribute $10 per month for 9 months a year • You are vested at 10 years of service and are eligible to retire: - at age 65 with 10 years of service - at age 60 with 10 years of service at a reduced benefit • Monthly retirement benefits are based on $14. 75/month for each year of service Example: $14. 75 x 30 years = $ 442. 50 per month 45

SUPPLEMENTAL RETIREMENT PLAN 403(b)/457 and ROTH If you wish to save more for retirement, you can save with pre-tax contributions or enroll in a ROTH account and defer taxes later when you withdraw monies For PSERS employees • HCBE will match your savings $ 1 for $ 1 up to 5% of your pay • Example: If you earn $ 2, 000 a month 5% of your pay = $ 100 If you save $ 100* in the Supplemental Retirement Plan HCBE matches it with $ 100 That’s $ 200/month going into your account • Contributions are pre-taxed, so $ 100 is about $ 50 out of your pay • Contact John Lamberth, our local VALIC advisor at 478 -319 -7832 for more information 46

RETIREMENT PLANS Houston County Board of Education retirees with PSERS & TRS can keep health, dental and life coverage into retirement 47

YOUR BENEFITS RESOURCES Houston County Board of Education Benefits Service Center (BSC) • • Enrollment Portal Website Navigation assistance Benefits Questions Telephonic Email 866 -671 -0721 hcbebenefitscenter@totemsolutions. com Mon-Thurs 8 am to 6 pm Fri 8 am to 5 pm 48

YOUR BENEFITS RESOURCES Enrollment Portal • Review benefits mid-year • Review/update your life insurance beneficiary • Update student status for dependents age 19 & older • Print Confirmation Statement Additional questions? Contact Your HCBE Benefits Department 49

THANK YOU 50