Houston County Board of Education New Employee Benefits

Houston County Board of Education New Employee Benefits Orientation 2014 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. Houston County Board of Education Benefits Orientation 2014 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 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 Houston County Board of Education Benefits Orientation 2014 3

ENROLLMENT INFORMATION Local Benefits – Enroll Online To elect Dental, Life, Disability and Flexible Spending Accounts, access the Benefits Center: o Go to www. hcbe. net o Click on the Benefits link on the left hand side of the homepage. Then click on the “Employee Benefits” link and select “Employee Benefits Center” to enter the enrollment portal o Click “First Time User, ” enter your SSN and Date of Birth and create a password o Return to login screen o User ID: Your initials (first + middle + last initial) and last four digits of your Social Security Number. If no middle initial, use your first + last initial o Password: Enter the password you created (case sensitive) Call the Benefits Service Center (BSC) for assistance with website navigation and password resets at 866 -671 -0721. Houston County Board of Education Benefits Orientation 2014 4

Houston County Board of Education Benefits Orientation 2013 5

ENROLLMENT DEADLINE o Deadline to enroll is midnight on New-Hire meeting day o Review Confirmation Statement for accuracy o Retain copy of SHBP Enrollment Form for your documentation o No changes during the year unless Qualifying Event Houston County Board of Education Benefits Orientation 2014 6

ENROLLMENT INFORMATION Before you enroll your dependents… • Health/SHBP – Dependent children are eligible until age 26. Eligible 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 full-time student • Is your spouse also an HCBE employee? - Avoid duplicate life or dental coverage Houston County Board of Education Benefits Orientation 2014 7

2014 BENEFITS PORTFOLIO HCBE PAYS ALL OR PART THINGS YOU BUY • 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) Houston County Board of Education Benefits Orientation 2014 8

STATE HEALTH BENEFIT PLANS (SHBP) Houston County Board of Education Benefits Orientation 2014 9

ENROLLMENT INFORMATION State Health Benefit Plan – o Review the 2014 Active Employee Decision Guide o Completed the SHBP Enrollment Form o Dependent documentation is required o Transfers In o Confirm current SHBP coverage o No SHBP changes are permitted until next Open Enrollment Houston County Board of Education Benefits Orientation 2014 10

2014 Health Plan Options • Choose from three options: – HRA Gold – HRA Silver – HRA Bronze • Options have varying deductibles, coinsurance, out-ofpockets and HRA credits • All are Health Reimbursement Accounts (HRA) • TRICARE Supplement is also available Houston County Board of Education Benefits Orientation 2014

How the HRA Medical Plans Work • In-network preventive care is covered 100% • For pharmacy and office visits, you pay a copay • For tests, and hospitalization - you pay deductible and coinsurance • The deductible is reduced by your HRA funds • Once the deductible is met, you pay % until the out-of-pocket max is reached • Out-of-pocket max includes the deductible, does not include pharmacy copays • The HRA is available for your deductible and pharmacy expenses Houston County Board of Education Benefits Orientation 2014

2014 Health Plans Gold Plan Silver Plan Bronze Plan Medical Benefits Network Provider Out-of-Network Deductible* You $1, 500 $3, 000 $2, 000 $4, 000 $2, 500 $5, 000 You + Child(ren) or Spouse You + Family $2, 250 $3, 000 $4, 500 $6, 000 $3, 000 $4, 000 $6, 000 $8, 000 $3, 750 $5, 000 $7, 500 $10, 000 Plan Pays 85% 60%* 80% 60%* 75% 60%* ACA Preventive Care 100% Not covered Out-of-Pocket Limit* You $4, 000 $8, 000 $5, 000 $10, 000 $6, 000 $12, 000 You + Child(ren) or Spouse $6, 000 $12, 000 $7, 500 $15, 000 $9, 000 $18, 000 You + Family $8, 000 $16, 000 $10, 000 $20, 000 $12, 000 $24, 000 Base HRA Contribution You $400 $200 $100 You + Child(ren) or Spouse $600 $300 $150 You + Family $800 $400 $200 Covered Services Primary Care Physician or Specialist Office Urgent Care Emergency Room 100% coverage after 40% Co-Insurance 100% coverage after $35 PCP Copay or after Deductible $35 PCP Copay or $45 SPEC Co-pay 100% coverage after 40% Co-Insurance 100% coverage after $35 Co-payment after Deductible $35 Co-payment 40% Co-Insurance 100% coverage after 40% Co-Insurance after Deductible $35 PCP Copay or after Deductible $45 SPEC Co-pay 40% Co-Insurance 100% coverage after 40% Co-Insurance after Deductible $35 Co-payment after Deductible 100% coverage after 40% Co-Insurance $150 co-payment; after Deductible waived if admitted Pharmacy Benefits Tier 1 (up to 31 day supply) **/*** $20 $20 Tier 2 (up to 31 day supply) **/*** $50 $50 Tier 3 (up to 31 day supply) **/*** $80 $80 * See ACA Glossary of Health Coverage and Medical Terms for definition **HRA dollars will be applicable for pharmacy co-payment ***Pharmacy co-payments are not subject to the Deductible or out-of-pocket maximum. This is a high level plan design summary.

SHBP Pharmacy Benefit All 3 plans have the following pharmacy benefits: Up to 31 day supply • Tier 1: $20 Co-pay Tier 2: $50 Co-pay Tier 3: $80 Co-pay 90 Day Supply for maintenance drugs from a mail order OR at participating 90 Day Retail Network Pharmacies • Tier 1: $50 Co-pay Tier 2: $125 Co-pay Tier 3: $200 Co-pay 90 Day Supply for maintenance drugs from a Retail Network Pharmacy which is not part of the 90 Day Retail Network Pharmacies • Tier 1: $60 Co-pay Tier 2: $150 Co-pay Tier 3: $240 Co-pay • Pharmacy Co-payments are Not subject to the deductible or outof-pocket maximums 14

The Benefits of a Health Reimbursement Account (HRA) • HRA dollars reduce your health plan costs (ex: Deductibles, Pharmacy Expenses) • Any unused HRA credits roll over for future health expenses • HRA credits are applied when you enroll • Earn Bonus HRA credits by completing wellness tasks Houston County Board of Education Benefits Orientation 2014

2014 HRA Wellness Incentives • Wellness incentives = Bonus HRA credits • Earn $480 for member plus an additional $480 for covered spouse • HRA Credits are applied once the wellness tasks are completed • Complete the wellness tasks any time during the year Houston County Board of Education Benefits Orientation 2014

2014 Wellness Incentives What to DO What you EARN 1. Assess Your Healthways Well-Being Assessment® (WBA) 2. Know Your Numbers Biometric screening. Submit results (body mass index, blood pressure, cholesterol, glucose). Screening completed at an SHBP sponsored screening event or by your physician or other providers identified by SHBP in published materials. 3. TAKE Action It’s your choice! Complete the coaching or online pathway or a combination of both. Coaching Pathway Create your Well-Being Plan. Actively engage in telephonic coaching. Online Pathway Create your Well-Being Plan. Record 5 online well-being activities using the same tracker in a month and earn $40 HRA funds. You can earn this for up to 6 months. Sample activities: track exercise five times, record daily steps five times, track food five times. Houston County Board of Education Benefits Orientation 2014 Complete both and earn $240 in HRA fund contributions (WBA must be completed prior to HRA fund distribution. ) Earn up to $240 in HRA fund contributions (WBA must be completed prior to HRA fund distribution. ) 17

2014 Health Plan Premiums Coverage Level Gold Monthly Employee Cost Silver Monthly Employee Cost Bronze Monthly Employee Cost You $166. 08 $108. 64 $66. 28 You + Child(ren) $300. 38 $202. 74 $130. 74 You + Spouse $405. 52 $284. 90 $195. 96 You + Family $539. 84 $379. 00 $260. 40 Note: Add $80 for tobacco surcharge Coverage Level Tri. Care Supplement Rate You $60. 50 You + Child(ren) or Spouse $119. 50 You + Family $160. 50

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 $ 596. 20 per month $ 7, 154. 40 per year Houston County Board of Education Benefits Orientation 2014 19

Health Plan Questions? Review the Health Plan Decision Guide Blue Cross Blue Shield: 855 -641 -4862 www. bcbsga. com/shbp Healthways: 888 -616 -6411 www. bewellshbp. com Express Scripts: 877 -841 -5227 www. dch. georgia. gov/shbp Houston County Board of Education Benefits Orientation 2014

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 Houston County Board of Education Benefits Orientation 2014

LOCAL/HCBE BENEFITS Houston County Board of Education Benefits Orientation 2014 22

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) Houston County Board of Education Benefits Orientation 2014 23

FLEXIBLE SPENDING ACCOUNT Optum Health FSA Plan • Health Care FSA (medical/dental/vision costs) • Dependent Care FSA (day care, ASP fees) • Pre-tax contributions • Monthly contributions help you budget for larger expenses • Up to $ 500 can rollover to the new plan year • You don’t have to be enrolled in our plans to participate • Claim expenses for all dependents claimed on taxes Houston County Board of Education Benefits Orientation 2014 24

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 Annual Health Care FSA funds are available when benefits start • No need to wait until the funds are in the account for reimbursement Annual Health. Care FSA max is $ 2, 500 Houston County Board of Education Benefits Orientation 2014 25

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 Dependent Care FSA max is $ 5, 000 Houston County Board of Education Benefits Orientation 2014 26

FLEXIBLE SPENDING ACCOUNT 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 Houston County Board of Education Benefits Orientation 2014 27

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”) Houston County Board of Education Benefits Orientation 2014 28

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 • Plan changes from Low to High during Open Enrollment have no benefit restrictions Houston County Board of Education Benefits Orientation 2014 29

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% 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% 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 Houston County Board of Education Benefits Orientation 2014 30

DENTAL Monthly Payroll Deduction Low Plan High Plan Employee Only $14. 34 $23. 73 Employee + Spouse $34. 11 $53. 04 Employee + Child(ren) $39. 05 $60. 24 Family $65. 30 $96. 06 Coverage Level Houston County Board of Education Benefits Orientation 2014 31

LIFE INSURANCE ING 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) Houston County Board of Education Benefits Orientation 2014 32

OPTIONAL LIFE SUMMARY OF BENEFITS Employee Dependent Benefit Amount RATES per $1, 000 (for you & spouse) Benefit Maximum 1 -5 times your basic yearly 0 – 29 earnings 30 – 34 35 – 39 Up to $500, 000 Guarantee Issue (GI) $300, 000 Spouse Child(ren) $0. 045 $0. 055 $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 $25, 000 - Age-banded – use table to the right) 55 – 59 $0. 35 60 – 64 65 – 69 70+ $0. 56 $0. 78 $1. 58 $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) Houston County Board of Education Benefits Orientation 2014 33

SICK LEAVE • Full-time employees accumulate sick leave at approx 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 • Use Sick Leave wisely • There 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 Houston County Board of Education Benefits Orientation 2014 34

SHORT TERM DISABILITY ING 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 Houston County Board of Education Benefits Orientation 2014 35

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 • The enrollment portal reflects all STD options and premiums Houston County Board of Education Benefits Orientation 2014 36

LONG TERM DISABILITY ING LTD PLAN • The 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) Houston County Board of Education Benefits Orientation 2014 37

RETIREMENT PLANS Houston County Board of Education Benefits Orientation 2014 38

HCBE RETIREMENT • Social Security • Teacher’s Retirement System (TRS) or Public School Employees Retirement System (PSERS) • Houston County Board of Education Supplemental Retirement Plan Houston County Board of Education Benefits Orientation 2014 39

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 – 13. 15% of pay • For account information, annual statements, etc. go to: www. trsga. com Houston County Board of Education Benefits Orientation 2014 40

TEACHER’S RETIREMENT SYSTEM • 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 Houston County Board of Education Benefits Orientation 2014 41

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 Houston County Board of Education Benefits Orientation 2014 42

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 really about $ 75 out of your pay Contact John Lamberth, our local VALIC advisor at 478 -319 -7832 for more info. Houston County Board of Education Benefits Orientation 2014 43

RETIREMENT PLANS Houston County Board of Education retirees with PSERS & TRS can keep health, dental and life coverage into retirement. Houston County Board of Education Benefits Orientation 2014 44

YOUR BENEFITS RESOURCES Houston County Board of Education Human Resources/Benefits Department Phone: 478 -988 -6249, Chris. Gibson@hcbe. net Houston County Board of Education Benefits Service Center (BSC) Benefits Enrollment Portal Hours of Operation 8 am - 6 pm Mon - Thurs. 8 am to 5 pm Fri. 866 -671 -0721 Access the enrollment portal during the year to review your current benefits Houston County Board of Education Benefits Orientation 2014 45

THANK YOU Houston County Board of Education Benefits Orientation 2014 46