Puyallup School District 2018 2019 Benefits Depot Benefit

Puyallup School District: 2018 -2019 Benefits Depot Benefit Year: November 1, 2018 – October 31, 2019 Presented by Tony Ciez

2018 Benefit Fair and Depot Schedule Effective Date: November 1, 2018 to October 31, 2019 Open Enrollment Deadline: September 30, 2018 FSA Plan Year: September 1, 2018 to August 31, 2019 FSA Open Enrollment Deadline: August 27, 2018 Benefit Fair Tuesday, September 11 th from 3: 00 - 6: 00 pm Ferrucci Jr. High School Benefit Depot Schedule ESC, 302 Second St. SE Puyallup WA 98371 Kaiser Permanente Open Houses Puyallup Medical Center, 1007 39 th Ave SE Puyallup WA 98374 Copyright 2016 Kibble & Prentice, a USI Company Monday, August 27 th 4 -6 pm Saturday, September 8 th 9 am-noon Thursday, September 13 th 4 -7 pm Saturday, September 15 th 9 am-noon Wednesday, September 19 th 10 am-1 pm Thursday, September 20 th 4 -7 pm Wednesday, September 26 th 4 -7 pm Friday, September 28 th 4 -8 pm Main Event: Thursday, August 23 rd 5 -7 pm Mini Sessions: Wednesday, August 29 th 4 -7 pm Tuesday, September 25 th 4 -7 pm Thursday, September 27 th 4 -7 pm

What are my Medical Plan Options for 2018 -2019? Medical plans available Medical plans NOT renewing November 1, 2018: Kaiser HMO Regence Innova A PPO Kaiser Access PPO - $350 Plan Regence Innova B PPO *NEW* Kaiser Access PPO - $750 Plan *NEW* Kaiser Access PPO - $2, 500 Regence Innova $2500 PPO Regence QHDHP with HSA *NEW* Kaiser QHDHP with HSA All employees will need to complete an enrollment form and Cigna’s beneficiary form! If you do not turn in a form, the Benefit Office will contact you. The arrows indicate the plan that is most similar. Be sure to consider all the plans before making a selection. Copyright 2016 Kibble & Prentice, a USI Company

Transition of Care For those moving from Regence to Kaiser Copyright 2016 Kibble & Prentice, a USI Company

What is my Cost of Coverage? I am a full-time employee (1. 0 Benefit FTE) If you work full time (1. 0 fte) you will find your pre-calculated monthly cost for medical on your employee group’s calculation worksheet. • Includes cost of mandatory benefits. • Rate assumes enrollment in Delta Dental. Additional savings for those that select the Willamette Dental Plan • Pooling is not included in these calculations. Find this Worksheet and all other benefits information at this llink: https: //www. puyallup. k 12. wa. us/cms/o ne. aspx? page. Id=164505 Copyright 2016 Kibble & Prentice, a USI Company

What is my Cost of Coverage? I am a part-time employee (less than a 1. 0 Benefit FTE) Multiply your average number of hours/day by how many days you are contracted to work/year. Calculate or Identify your Benefit FTE Calculate your Benefit Allocation Calculate amount available for medical coverage Then divide that number by 1, 440. This is your “Allocation Factor, ” it cannot be greater than 1. 0. Example Calculation: 5 hrs per day X 190 days per year ÷ 1440 =. 6597 Multiply your “Allocation Factor” by $843. 97. This provides you with your monthly amount of State Allocation that you are entitled to based on your allocation factor. In the example above: 0. 6597 x $843. 97 = $556. 77 The cost of mandatory benefits depends for each employee group (in example below, cost is reflective of dental, Life and LTD). Subtract this cost from your calculated State Allocation amount This is the monthly amount of allocation you have available for the cost of medical coverage. You can deduct this amount from the total premium to calculate your total out-of-pocket cost. In the example above for a teacher: $556. 77 - $158. 79 = $341. 59 Copyright 2016 Kibble & Prentice, a USI Company

What is my Cost of Coverage? I am a part-time employee (less than a 1. 0 Benefit FTE) From the example on the previous page, you can reduce the total premiums below by $341. 59. Total Monthly Premiums for each plan and carrier Core HMO Plan Access PPO $350 Access PPO $750 Access PPO $2, 500 QHDHP with HSA Option $767. 03 $777. 28 $700. 57 $671. 70 $679. 44 Employee + Spouse $1, 426. 18 $1, 445. 23 $1, 302. 61 $1, 248. 93 $1, 263. 32 Employee + Child $1, 048. 27 $1, 062. 28 $957. 45 $917. 99 $928. 57 Employee + Children $1, 099. 38 $1, 114. 07 $1, 004. 13 $962. 75 $973. 84 Employee + Spouse & Child $1, 707. 42 $1, 730. 24 $1, 559. 49 $1, 495. 22 $1, 512. 45 Employee + Spouse & Children $1, 758. 53 $1, 782. 02 $1, 606. 16 $1, 539. 98 $1, 557. 73 Medical Plan Option Employee The back of your calculation worksheet also walks you through this calculation. Copyright 2016 Kibble & Prentice, a USI Company

Selecting a Medical Plan Step 1: After reviewing cost, review the basic plan features Review the cost of each plan and then review the basic plan features. Be sure to look at your monthly premium cost deducted from your paycheck in comparison to the out-ofpocket maximum on the plan: Benefit Basics for Each Plan Core HMO Plan Access PPO $350 Access PPO $750 Access PPO $2, 500 QHDHP with HSA Option $0 $350 (2 x family) $750 (3 x family) $2, 500 (2 x family) $1, 500 (2 x family agg. ) $2, 000 (2 x family) $3, 500 (3 x family) $5, 000 (2 x family) $2, 500 (2 x family agg. ) Coinsurance 100% 90% 80% 80% Office Visits $20 $25 $30 80% after deductible Annual Deductible Annual Out-of. Pocket Max Copyright 2016 Kibble & Prentice, a USI Company

Selecting a Medical Plan Step 1: After reviewing cost, review the basic plan features Don’t forget to review the Prescription Drug Benefits! Benefit Basics for Each Plan – Retail Drugs Core HMO Plan Access PPO $350 Access PPO $750 Access PPO $2, 500 QHDHP with HSA Option n/a n/a n/a Generic $10 copay $20 copay 20% Preferred Brand Name $20 copay $35 copay 20% Non-Preferred Brand Name $20 copay $55 copay 20% Rx Deductible Copyright 2016 Kibble & Prentice, a USI Company

Selecting a Medical Plan Step 2: Review networks of plans you’re considering Kaiser Core HMO Network Plan with deductible, copays, and coinsurance. Selected by PSD to give you a high level of coverage from Kaiser Permanente providers: o More than 1, 000 physicians with the Washington Permanente Medical Group at 25 locations o 9, 000 in-network providers statewide, including 49 hospitals o Visiting member privileges at Kaiser Permanente facilities in other regions while traveling Copyright 2016 Kibble & Prentice, a USI Company

Selecting a Medical Plan Step 2: Review networks of plans you’re considering Kaiser Access PPO Network Traditional plans with a deductible, copays, and coinsurance. Selected by PSD to give you a broad choice of providers: o 2, 600 contracted providers, including major medical groups and hospitals in our service area, and designated pharmacies o First Choice Health network in Oregon, Alaska, Montana, Idaho, and Washington and First Health Network providers in all other states o Optum. Rx network with 65, 000 pharmacies across the country o At your out-of-network benefit level, you can also use any licensed doctor in the U. S. , including those at Kaiser Permanente facilities outside of our service area Copyright 2016 Kibble & Prentice, a USI Company

PPO versus HSA Which plan is best for you and your family? Consider the following questions: Would you rather pay more money as you incur services or pay more each pay period? Are you looking for a tax advantaged savings method? HSA Do you take expensive or several prescription Are you covering a dependent on the medical drugs? coverage? Which plan is better? Copyright 2016 Kibble & Prentice, a USI Company Both are quality plans. It just depends on your financial point of view, medical needs and long term financial goals and objectives. Both plans provide comprehensive coverage and include an out-of-pocket maximum (though the amount varies based on plan selection).

Eliminated Plans - What you might consider if you were enrolled on the Regence Innova A or B My plan is no longer offered, what are my alternative options? I was on the Regence Innova A or B Plan with most comparable benefits: Kaiser Access PPO - $750 The Kaiser Access PPO - $750 plan has a moderately lower deductible and out-of-pocket maximum and provides a richer coinsurance percentage then that of the Innova B plan. However, the core features of this plan are very similar to the Innova A plan design. The Kaiser Access PPO plans have comparable networks to your current Regence plan but you should verify that the doctors you use routinely are in these networks. Remember to review all your other plan options as well! Copyright 2016 Kibble & Prentice, a USI Company

Eliminated Plans - What you might consider if you were enrolled on Regence Innova $2500 PPO My plan is no longer offered, what are my alternative options? I was on the Regence Innova $2500 PPO plan Plans with most comparable benefits: Kaiser Access PPO - $2500. The core features of this plan are very similar to your current Innova $2500 PPO plan design. The Kaiser Access PPO plans have comparable networks to your current Regence plan but you should verify that the doctors you use routinely are in these networks. Remember to review all your other plan options as well! Copyright 2016 Kibble & Prentice, a USI Company

Eliminated Plans - What you might consider if you were enrolled on Regence QHDHP with HSA Option My plan is no longer offered, what are my alternative options? I was on the Regence QHDHP with HSA Option Plans with most comparable benefits: Kaiser QHDHP with HSA Option. The core features of this plan are very similar to your current QHDHP design in that you will be responsible for the cost of most services except preventive care until you have met your deductible at which point, coinsurance will apply. You can continue to put pre-tax money into a Health Savings Account (HSA) to help offset the high deductible. . The Kaiser Access PPO plans have comparable networks to your current Regence plan but you should verify that the doctors you use routinely are in these networks. Remember to review all your other plan options as well! Copyright 2016 Kibble & Prentice, a USI Company

The Rest of Your Benefit Renewals Mandatory Benefits Coverage Renewal Carrier Partners Dental 1. 8% decrease 5. 8% Increase Delta Dental Willamette Vision 14. 1% Increase (largely due to benefit enhancements) Vision Service Plan (VSP) Group Life / AD&D 0% rate pass Cigna Long Term Disability (LTD) 0% rate pass Cigna Copyright 2016 Kibble & Prentice, a USI Company Voluntary Benefits: Medical Voluntary Life / AD&D Voluntary Vision Hardware Voluntary STD and LTD Voluntary Long Term Care FSA & HSA

Delta Dental of Washington Using Plan A Get an annual dental exam to increase your plan coinsurance by +10% in the next benefit period. If you don’t go to the dentist in the current benefit period, your benefit level will decrease by -10% in the next benefit period. 70% 80% 90% 100% 3 Networks: • PPO Dentists (highest level of coverage) • Premier Dentists (in-network but may experience more out-of-pocket costs) • Non-Participating Dentists (lowest level of coverage) In the event you need to have dental work estimated to cost $300 or more, we recommend you have your dentist submit a treatment plan for pre-authorization. Copyright 2016 Kibble & Prentice, a USI Company

Willamette How to use the network How to schedule an appointment: • Call the Appointment Center: wait-time for an appointment may vary based on your choice of provider, dental office location, appointment type and desired day or time. Network providers: • If you select the Willamette dental plan, you must receive care from a Willamette Dental Group dentist or specialist. • If you are referred to an outside dentist or specialist by your Willamette provider, you will have coverage per your Willamette plan. Copyright 2016 Kibble & Prentice, a USI Company