Your 2020 2021 Benefits Alvin ISD Insurance Benefit

Your 2020 -2021 Benefits Alvin ISD Insurance, Benefit Information, & Open Enrollment Guide https: //www. alvinisd. net/domain/266 Alvin ISD Insurance Website Questions and Assistance Email insuranceopenenrollment@alvinisd. net

Open Enrollment We will use the Benefit. Focus enrollment platform http: //www. alvinisdbenefits. hrintouch. com/ Open enrollment dates – July 16 through August 11 This year will be a “passive” enrollment. Effective date for new elections – September 1, 2020 First payroll deduction with new changes and new premiums is the September 16 paycheck Current elections will carryover with the exception of your Medical Flexible Spending Account (FSA), your Dependent Flexible Spending Account (DFSA), and your Health Savings Account (HSA). Per the IRS, it is mandatory to re-enroll for these three benefits each year if you want to participate in them during the 2020 -2021 plan year.

Insurance and Open Enrollment Presentations Due to Covid-19 implications we will not be holding open enrollment classes this year. This summer we will hold three separate high school feeder pattern presentations that will be held at each high schools’ auditorium. Please attend the presentation that your school feeds in to. Support service departments can attend a presentation that meets your schedule. These presentations will provide all of our employees the opportunity to learn, in depth, our entire insurance and benefit program. We will go over our medical, dental, vision, term and universal life insurances; medical and dependent flexible spending; critical illness, accident, and hospital confinement policies; short and long term disability; and the entire open enrollment process. I strongly encourage every employee (and spouses) to attend your scheduled presentation to learn about what the district offers so you sign up for the benefits that best meet your individual and family’s needs. We will follow the social distancing guidelines. § § § Alvin High School Feeder Pattern: Tuesday, July 28, 5: 30 -7: 00 PM @ AHS Auditorium (new) Manvel High School Feeder Pattern: Wednesday, July 29, 5: 30 -7: 00 PM @ MHS Auditorium Shadow Creek High School Feeder Pattern: Thursday, July 30, 5: 30 -7: 00 PM @ SCHS Auditorium

What’s New for 2020? All 5 UHC medical plan options are available again this year. We will have premium increases and minor benefit changes to some of the options. The HSA 2700 is moving to the HSA 2800 Dental insurance is switching to UHC and both the Core and Enriched plans will be offered. We will offer the same benefits and have slight premium increase. We have a new Virtual/Telemedicine platform. We are moving from Teladoc to United Health. Care’s Virtual Visits

Medical Insurance with United Health. Care Understand your plan options and how they work Ø Deductible-Before health insurance will start reducing what you pay for health care, you must meet your deductible. This means that you must pay for 100% of what your services cost until you have spent a certain dollar amount (your deductible). Certain services, such as preventive care, primary care and specialist visits (four co-pay office visits per member), do not require you to pay toward your deductible before your health plan begins lowering what you′ll pay. Our deductible amounts are in the plan name. For example the PPO 1500 has a $1500 deductible.

Medical Insurance with United Health. Care Ø Preventive Care-Certain services, such as annual physical exams, routine OB/GYN services, qualifying cancer screening and more, are preventive care. These are provided at no charge – even if you have not met your deductible. Every health plan Alvin ISD offers includes these services, so do not miss out on making the most of them! Ø Primary/Specialist Care-The services that your regular doctor provides, in a doctor’s office, are primary care. Nonemergency care beyond this, for a more severe injury or medical need, will typically be provided by a specialist.

Medical Insurance with United Health. Care Ø Out-of-Pocket Maximum-Every Alvin ISD health plan has a limit on how much you will pay for covered services in a year. This amount is the plan’s out-of-pocket maximum. Even if your costs are $500, 000, the most that you will pay for in-network covered services is your out-of-pocket max. Our out-of-pocket maximums vary from plan to plan. Ø Emergency Room-Emergency rooms are places designed to save life and limb – things like heart attacks, strokes and unstoppable bleeding. That is why they are typically the most expensive place to receive health care services. Emergency rooms are not always in hospitals and are now frequently in buildings that look like regular doctor’s offices or urgent care clinics. The only way to be sure is to ask.

Medical Insurance with United Health. Care Choose the Right Plan for You-Each of our medical plans is associated with a different network of doctors and hospitals. If you visit a doctor that′s not in the network, you may receive a bill larger than you′re used to. If there′s a doctor you want to be able to see, make sure they′re in the network of any plan you're considering. A little research now can save you big later. Go to your www. myuhc. com account to see which doctors, facilities, labs, and pharmacies are in each network.

Medical Insurance with United Health. Care Ø Broad Networks- PPO 1500, PPO 1750, HSA 2800 § These three plans allow you to utilize all doctors, facilities, labs, and pharmacies in UHC’s Choice Plus Network. § You are not required to use any certain providers and you typically do not need a referral to see specialists. Ø Narrowed Networks- 1750 Kelsey and 1750 Memorial Hermann § Choosing one of these plan options requires you to utilize their network exclusively with minimal exceptions. § These are both ACO options and can save the employee and the district money by controlling claims.

2020 -2021 Benefit Grid

2020 -2021 Medical Insurance Premium Rates

Medical Insurance with United Health. Care Knowing where to go saves time and money § Virtual Visits through UHC – $25. 00 fee per visit. Visit with a doctor 24/7—whenever, wherever. With § Primary Care Physician (PCP)-Use for: annual checkups and chronic diseases like hypertension or § Urgent Care-Use for: broken bones, minor cuts needing stitches, and for non life-threating emergencies § Emergency Room-Use for: life-threatening emergencies like chest pain, difficulty breathing, bleeding a Virtual Visit, you can talk by phone or video to a doctor who can diagnose common medical conditions and even prescribe medications, if needed. diabetes and mental health concerns that won’t stop or stroke symptoms

Your Medical Plans and Prescription Plan Options Co-Pay Plans § PPO 1750 - this plan offers prescription co-pay for all tier 1 drugs. Tiers 2, 3, and specialty meds require a $100 individual deductible and/or a $300 family deductible to be met before any co-pay benefits are offered. § 1750 Kelsey and 1750 Memorial Hermann offer prescription co-pay for all tier 1, 2, 3, and specialty meds without a prescription deductible being met. Non Co-Pay Plans § PPO 1500 and HSA 2800 - these plans do not offer prescription co-pays. Individual needs to meet their medical deductible before the plan will pay 80% of all prescriptions.

Your Medical Plans and Prescription Plans Good. RX is available and recommended for use for all prescriptions on all plans. This options has a very positive impact on our self-funded plan. Please download the Good. RX app and check the price of all prescriptions you are written for a chance to save you and the plan money. You do not need prior authorization when using Good. RX to fill prescriptions.

Your Medical Plans and Prescription Plans Generic-These have the same formula as brand name drugs, but are less expensive. Ask your pharmacist about generics when you drop off your prescription. Preferred Brand-These are brand name drugs that are available to you at a lower price. Ask your doctor about prescribing these drugs rather than nonpreferred. Nonpreferred Brand-These drugs are the most expensive non-specialty prescriptions. Ask your doctor about exhausting all less expensive options before using these medications. Specialty Meds-Specialty meds are typically biotech drugs that are injectable, in pill form or administered by your doctor.

Employee Assistance Programs (EAP) Alvin ISD provides 3 EAP’s that offer confidential assistance to help you and your family meet the challenges that life, work, and relationships can bring. Most of the services offered are free. 1. UHC’s EAP - 2. Lincoln Financial Group’s EAP - https: //www. uhc. com/individual-and-family/member-resources/health-careprograms/employee-assistance-program https: //www. alvinisd. net/cms/lib/TX 01001897/Centricity/Domain/266/Employee%20 Assistance%20 Program%2 0 Info. PDF 3. Mutual of Omaha’s EAP - https: //www. alvinisd. net/cms/lib/TX 01001897/Centricity/Domain/266/Mof. O%20 EAP%20 Basic%20%20 Eng%20 -%20 Updt. pdf

Virtual Visits through UHC Visit with a doctor 24/7—whenever, wherever. With Virtual Visits, you can talk by phone or video to a doctor who can diagnose common medical conditions and even prescribe medications, if needed. Employee cost is $25 per visit Members will access Virtual Visits either through the United. Healthcare app or by logging in to the myuhc. com site, they will have a choice of having their visit with the following three providers: § § § Am. Well (virtual & telephonic visits) Doctor on Demand (virtual visits) Teladoc (virtual & telephonic visits) Use Virtual Visits for these common conditions: § § § § § Allergies Bronchitis Eye infections Flu Headaches/migraines Rashes Sore throats Stomachaches And more

Dental Insurance with United Health. Care Dental Insurance is now with United Health. Care We will offer both the Core and Enriched plan options Use your myuhc. com account to see if your dentist is in the network The below charts show the top 15 utilized dentists during the 2019 -2020 plan year. All of these dentists are currently in UHC’s network(s). Several employees will be able to switch to the Core plan to save on premium. Core Plan Top 15 Dentist First Name Last Name Enriched Plan Top 15 Dentists First Name Last Name RAYMOND FOURNIER DANIELLE REED JOHN DENNIS DINJAR KRISTOPHER MOON AHMAD JAFRI RAYMOND FOURNIER JOHN MCANINCH DEVIN SPINKS JIMMY LE AHMAD JAFRI NILESH JINDAL WILLIAM CLAY WRIGHT MICHAEL SMITH AFROZ BURGES CLEMENTINE INGABIRE MARK WILLIAMS IVETTE DIAZ JESSICA RANSOM CECILIA CARPIO MINHLY NGUYEN KEROLOS MORKOS ELHAM ABBASSI AMY HICKS RUSSELL BOONE THAO VO MUDDASSAR TUKDI HUGH PATTON IVETTE DIAZ GARY MAYFIELD

2020 -2021 Dental Premium Rates

Dental Insurance with United Health. Care

Vision Insurance with VSP There are no changes to our vision plan for 2020 -2021

Other Alvin ISD Benefits Available to You Flexible Spending & Dependent Care Flexible Spending through TASC Accidental, Critical Illness, and Hospital Confinement through Met. Life Short Term & Long Term Disability through Lincoln Financial Group Life Insurance and AD&D through Mutual of Omaha Universal Life through Trans. America

Enrolling is Easy Returning employees will log in to the Benefit. Focus portal (https: //alvinisdbenefits. hrintouch. com)with their last year’s username. All passwords have been defaulted to social security numbers with no dashes. § Click on “can’t access your account” on the log in page if you do not remember your username. New employees will click on “create an account” on the log in page to get started. Simply follow the steps to create your account and to enroll. Let the enrollment system guide you through the enrollment process. It is designed to make the process easy and provides all the information you will need to understand each benefit. Please email insuranceopenenrollment@alvinisd. net for assistance or with any questions.

Questions or Assistance All questions for enrollment assistance and benefit explanations should be emailed to insuranceopenenrollment@alvinisd. net