employee benefits guide - vail unified school … · 2 2017-2018 benefits guide as an employee of...

2017 - 2018 Plan Year

EMPLOYEE BENEFITS GUIDE

2 2017-2018 Benefits Guide

As an employee of the Vail School District, you have access to a comprehensive package of benefits for you and your family.

To make informed benefit choices, please take the time to read this booklet, to review your benefit options.

Eligibility InformationBenefits EligibilityBenefits are offered to professional and teacher employees working in a regular position 115 days or more or the equivalent of .60 full-time equivalent (FTE) and support staff working in a position at the equivalent of .60 FTE if regularly scheduled to work fewer than 240 days per year or at .50 FTE if regularly scheduled to work 240 or more days per year.

Eligible dependents include:• Your Spouse• Your dependent child(ren) under age 26• Your dependent child(ren) of any age, who are incapable of self-care because of a disability who rely on you for support, may

qualify for coverage if enrolled before the maximum age of 26 with documentation.

Enrollment InformationNew Hire Enrollment for Benefits Eligible Employees• Eligible employees (as described above) are eligible for benefits effective the first of the month following date of hire.• Insurance enrollment must be completed within 30 days of benefits eligibility.• Be sure to have your dependent information, such as their social security number and date of birth, in order to enroll your

dependent(s) in benefits and to designate your life insurance beneficiary.• Remember, your elections will remain in place throughout the entire plan year unless you experience a Qualifying Event (please

see page 4 for definition of a Qualifying Event).• FAILURE to enroll means you will not be able to elect benefits until the next annual open enrollment period.• You will be auto-enrolled in Basic Life and Short Term Disability on your benefit eligibility date.• If you choose to DECLINE benefits, you must still participate in online enrollment to waive your benefits and to designate your

beneficiary for the life insurance benefit provided by the Vail School District.

Annual Open Enrollment for Benefits Eligible Employees• The annual open enrollment period occurs during 4th quarter of every school year. During this time you can make changes to your

benefits without a Qualifying Event. Changes will be effective July 1 of every year.• Be sure to have your dependent information, such as their social security number and date of birth in order to enroll your

dependent(s) in benefits and to designate your life insurance beneficiary.• Remember, your benefit elections will remain in place throughout the entire plan year unless you experience a Qualifying Event

(please see page 4 for definition of a Qualifying Event).• If you choose to DECLINE benefits, please complete the online enrollment to confirm your current contact information and

beneficiaries.

Welcome to Your Vail School District Benefits

• Medical• Teladoc w/ Medical enrollment• Dental• Vision• Group Life & Accidental Death &

Dismemberment• Voluntary Life Insurance• Short Term Disability• Long Term Disability• Flexible Spending Accounts

• Voluntary AFLAC Plans• Employee Assistance Programs• Retirement Savings Plans

2017-2018 Benefits Guide 3

Things to Consider to Maximize Health Care Cost Savings

• Stay in-network and your claims will be paid at the highest level. When you select ASBAIT/BCBS of AZ in-network physicians and medical facilities for you and your family’s medical services you will have the least out-of-pocket expense. Please be sure that all services provided including lab work or referrals remain in-network to maximize your savings.

• In network services outside of Arizona are available with a national network through Aetna PPO. • Choose the right health care setting:

♦ Teledoc is the on-demand healthcare solution with access to medical care 24/7. Your medical questions will be answered by a highly qualified doctor who can prescribe medication for many common conditions. You can access service 3 ways: 1) via phone at 1-800-362-2667; 2) Online @ www.MyDrConsult.com; 3) Mobile app @ the App Store or Google Play.

♦ When you are sick or injured and it’s not urgent or life threatening, it’s usually best to go to your own doctor’s office. Sometimes you need care in the evening or on a weekend when your primary care physician may not be available, in these situations you may want to consider going to an in-store clinic or an urgent care facility.

♦ Health Care Clinics and Minute Clinics are quick access clinics staffed by nurse practitioners and physician’s assistants. These clinics are located in Walgreens and CVS retail pharmacy stores. Go to an in-store clinic for common conditions like a cough, cold, flu, ear infection, rash, bronchitis, or a sinus infection. You will typically pay your primary care physician copay. These clinics save you time and money.

♦ More urgent conditions like sprains, strains, minor broken bones (fingers, toes) and minor wounds can be treated at an urgent care facility. Chances are you won’t have to wait as long as you would at the emergency room and it will cost you less. Your urgent care copay is less than your emergency room copay.

♦ If you have severe injuries, trauma or life threatening symptoms dial 911 or go immediately to the closest emergency room.

• Pharmacy services ♦ Be sure to use generic drugs when available – it saves you money! ♦ Purchase maintenance drugs through the mail order program. You can receive up to a 90-day supply for the cost of a two

month supply at a retail pharmacy. ♦ FDA approved generic contraceptives on the plan’s preferred drug list (formulary) and filled at an in-network pharmacy

are covered at no cost.NurselineAnswers to your health questions are just a phone call away through Nurse Support. Nurse Support is a benefit free to you and your immediate family members. They can assist in locating the physicians, facilities, and programs that can make a difference in your health status. Nurse Support will help you understand what resources are available and how best to access those resources. They are available to answer your medical questions 24 hours-a-day. However, in case of an emergency, please call 911. For Nurseline support call Alliance Work Partners toll free at (800) 343-3822.

Meritain WebsiteMeritain, your claims administrator for ASBAIT, provides tools to educate and assist with your benefits. Drop down menus will let you reach any destination on the site with one click:

• Check your claims status and history• Review eligibility/benefit information• Find a physician, hospital or other medical facility• Print a temporary ID card and request a replacement ID card• Use Pharmacy Online to order and renew prescriptions

Register by going to the Meritain website at www.meritain.com.

4 2017-2018 Benefi ts Guide

2017 - 2018 District ContributionsThe District provides a contributi on towards each eligible employee’s benefi ts. The employee is responsible for the remainder of the monthly premium due. You must enroll in Employee Family Medical to qualify for the Family Contributi on. District contributi ons can only be applied to the Basic Benefi ts Package (Medical, Dental and/or Vision). District contributi ons cannot be applied toward Voluntary Benefi ts.

PLEASE NOTE:It is the responsibility of

the employee or qualifi ed benefi ciary to noti fy the

District’s Human Resources offi ce of qualifying life

events.

Premium Contributi onEmployee Only, Employee + Spouse, Employee + Child(ren) Premium Family Contributi on

Annually 16 Pay Periods 24 Pay Periods Annually 16 Pay Periods 24 Pay Periods

Value Gold and Classic Gold $5,051 $315.69 $210.46 $5,891 $368.19 $245.46

Premium & HSA Contributi onEmployee Only, Employee + Spouse, Employee + Child(ren) Premium & HSA Family Contributi on

Annually 16 Pay Periods 24 Pay Periods Annually 16 Pay Periods 24 Pay Periods

HDHP 2600 with HSA$4,728

+ $600 HSA Contributi on

$295.50 + $37.50 HSA Contributi on

$197.00 + $25 HSA

Contributi on

$5,568+ $600 HSA

Contributi on

$348.00+ $37.50 HSA Contributi on

$232.00 + $25 HSA

Contributi on

How and When May I Change My Elections?If you have a Change in Status during the plan year, you may only make changes to your benefi ts within 30 days of the Qualifying Event. In most cases, only changes consistent with the Change in Status can be made. For example, you can add your newborn child to your current medical insurance coverage, but you cannot elect a benefi t that you previously waived because that benefi t change is not related to your Change in Status. In additi on, if you experience any new special enrollment events, such as changes to Medicaid or Arizona Health Care Cost Containment System (AHCCCS) eligibility, you have 60 days to make medical benefi t changes.

Following are some examples of Changes in Status:• Employee change in marital status• Birth, adopti on of dependent child or reaching age 26• Becoming eligible or ineligible for Medicare or Medicaid• Changes made by a spouse or dependent child during his/her annual enrollment period with

another employer• And specifi c to Dependent Care FSA: Change in day care costs due to a change in provider,

change in provider’s fees (if the provider is not a relati ve) or change in the hours the child needs day care


Value Gold - Core Classic Gold - Buy-up HDHP 2600

In Network Pharmacy Benefit Recap: Retail Pharmacy 30 day supply

Mail Order Pharmacy

90 day supplyRetail Pharmacy

30 day supplyMail Order Pharmacy

90 day supply

Rx Copay: Generic (Mandatory Generic Program) Preferred Non-Preferred Specialty

$15 copay20% copay40% copay20% copay

$30 copay20% copay40% copay

N/A

$15 copay20% copay40% copay20% copay

$30 copay20% copay40% copay

N/A

20% after deductible

Diabetic Medications - must enroll in Diabetic Sense Program

Generic $5 copay; Brand Name $10

copay


copay


copay


copay20% after deductible

Medical BenefitsYour medical benefit plan is provided by the Arizona School Boards Association Insurance Trust (ASBAIT). You can quickly look up any provider in the BlueCross BlueShield network by going to My Vail Portal (MVP) at mvp.vail.k12.az.us, then find and click the ASBAIT Arizona BCBS physician directory link. For physicians in the Aetna out of state network go to the ASBAIT out-of-state Aetna physician directory. Among the most important decisions you will make, is the medical insurance that is best for you and your family. You may choose from the three ASBAIT medical insurance plans shown below. See page 6 for more information about the High Deductible Health Plan and Health Savings Account.

Your in-network and out-of-network deductibles and your annual out-of-pocket maximums are accumulated based upon each calendar year (January 1 - December 31).

In Network Benefits Value GoldCore Plan

Classic Gold Buy-Up

HDHP 2600Option w/HSA

Deductible - Individual / Family $750/$1,500 $300/$900 $2,600/$5,200

Coinsurance 25% 15% 20%

Maximum Out-of-PocketIndividual / Family $5,000/$10,000 $4,000/$8,000 $6,350/$12,700

Preventive - Office Visits (PCP), Lab/X-ray, Mammograms, Colonoscopies $0 - Plan pays 100% $0 - Plan pays 100% $0 - Plan pays 100%

Office Visits (PCP/Specialist) $35/$45 copay $25/$35 copay 20% after deductible

Lab/X-ray Single Service costing less than $500 Single Service costing $500 or More Freestanding Laboratory Oncotype Diagnostic Testing

25% after deductible25% after deductible

25% deductible waived25% after deductible

15% after deductible 15% after deductible

15% deductible waived 15% after deductible

20% after deductible

Hospital – Inpatient $250 copay per admission then 25% after deductible

$250 copay per admission then 15% after deductible

$250 copay per admission Then 20% after deductible

Emergency Room 25% after deductible 15% after deductible 20% after deductible

Urgent Care $50 copay, then 25% $50 copay, then 15% $50 copay, then 20% - deductible waived

Teladoc $0 $0 $40

Value Gold Classic Gold HDHP 2600Per Pay Period Rates 16 Pay Periods 24 Pay Periods 16 Pay Periods 24 Pay Periods 16 Pay Periods 24 Pay Periods

Employee Only $288.75 $192.50 $320.25 $213.50 $241.50 $161.00

Employee + Child(ren) $604.50 $403.00 $671.25 $447.50 $504.00 $336.00

Employee + Spouse $618.75 $412.50 $686.25 $457.50 $515.25 $343.50

Employee + Family $842.25 $561.50 $935.25 $623.50 $701.25 $467.50

6 2017-2018 Benefi ts Guide 6 2017-2018 Benefi ts Guide

High Deductible Health Plan (HDHP) & Health Savings Account (HSA)

Understanding How it WorksPlease investi gate and fully evaluate the advantages of consumer driven health care available in the qualifi ed HDHP with the opti on of an HSA. It is important you fully understand this plan before electi ng it.

This medical plan choice: 1. May allow you to pay less in monthly premiums (your payroll deducti ons from your paycheck for medical insurance

will be signifi cantly less);2. Allows you the ability to save for future health care needs; and 3. Allows you greater ability, and also greater responsibility in managing your health care dollars.

REMEMBER!By law, preventi ve care services such as routi ne well care visits, immunizati ons, labs, preventi ve screenings such as mammograms and colonoscopies (based on age and gender) and fl u shots are covered at 100% under the HDHP so there is no need to use HSA funds for these services.

THERE ARE TWO COMPONENTS TO THE HDHP/HSA OPTION:

HIGH DEDUCTIBLE HEALTH PLAN

(HDHP)

INDIVIDUAL HEALTH SAVINGS BANK ACCOUNT

(HSA)• Lowest employee premiums• Premium savings can be put towards HSA• In-Network & Out-of-Network coverage• Annual deducti ble • Protecti on from major costs• 100% preventi ve care coverage• No upfront copays at doctor’s offi ce

• Savings account with HealthEquity Bank• Owned by you• Used for eligible medical and pharmacy

expenses, including deducti bles• Triple tax advantage• No “use it or lose it”• Like a 401(k) plan for medical expenses• Debit card linked to HSA - No reimbursement

forms• Can use for eligible tax dependent

HSA Contributi on Limits*2017 - Individual contributi on max - $3,400/year. Family contributi on max - $6,750

*this includes Vail School District’s contributi on of $600 annually-those over 55 can contribute an additi onal “catch-up” contributi on of $1,000/year.

2017-2018 Benefi ts Guide 72017-2018 Benefi ts Guide 7

You can enroll in an HSA if:• You are covered under a HDHP.• You are not covered by any other health plan that is not a HDHP.• You are not enrolled in Medicare, AHCCCS or TRICARE.

♦ Contributi ons to an HSA must stop if you enroll in Medicare. However, you can keep the money in your HSA and use it to pay for medical expenses tax-free.

• You are not claimed as a dependent on someone else’s tax return.

How do I access my HSA funds?• The District’s and your HSA tax-free contributi ons are deposited to HealthEquity.• When you enroll in an HDHP, you must set up an HSA.• You will receive a HealthEquity debit card which you can use to pay uncovered medical, dental and vision expenses

from your HSA.• You can also pay for an uncovered expense with personal funds and reimburse yourself from your HSA.

Qualifi ed HSA Expenses• Medical, dental and vision plan deducti bles, copays and coinsurance not covered under any plan (see IRS Publicati on

502 at www.irs.gov for a complete list).• For you and your spouse, if legally married, and dependents, even if they are not enrolled in The District’s plan.• Per IRS rules, you cannot take a tax-free distributi on from an HSA to pay for domesti c partner expenses.

Non-Qualifi ed HSA Expenses• Any funds used for purposes other than IRS qualifying medical, dental and vision expenses are taxable as income and

subject to a 20% tax penalty. • The penalty does not apply if you are age 65 or older.

• Per IRS rules, you cannot enroll in an HSA if you are enrolled in a regular Health Care FSA. You can enroll in an HSA if you’re enrolled in a “Limited Purpose” FSA for uncovered dental and vision expenses only. The District off ers employees both regular and “Limited Purpose” FSAs.

• If you have unused rollover funds from your 2016 FSA plan year and enroll in an HDHP with HSA in the 2017 plan year, The District will automati cally convert your rollover FSA funds to “Limited Purpose” FSA funds in the 2017 plan year.

High Deductible Health Plan (HDHP) & Health Savings Account (HSA)

www.healthequity.comHealthEquity Consultants available 24/7/365 1-866-346-5800• On-line access to all account information.• Competitive interest rates and investment options. • FDIC insured.• Access all claims payment history.


You have two options to choose from; Employers Dental Services or Delta Dental Preferred Provider Organization (PPO). Whether you need a check-up, a filling, or major dental work, the Delta or the EDS dental plan can cover you. Under the Delta dental plan option your dental deductible and annual benefit maximum are accumulated on a calendar year basis. You can quickly look up any provider in the EDS and Delta networks by going to your MVP portal at mvp.vail.k12.az.us and clicking the dental directory link. Please talk to your HR benefits specialist if you have any questions.

Employers Dental Services (EDS) Benefit Features: • No deductibles • No claim forms• No calendar year maximums (there is no dollar limit to the amount of dental work you may have)• Coverage for pre-existing conditions, no missing tooth clause• Orthodontics for child(ren) and adults • Local customer service with a live representative

How the EDS Dental plan works:Employees choose an EDS general dentist from the largest provider network in the state. A directory of EDS providers can be accessed on the EDS website. Your chosen dentist may be changed at any time by contacting EDS Customer Service. All member costs are listed in the EDS Schedule of Benefits for services provided by your chosen EDS general dentist. Once you have paid the contracted member cost, there are never any additional charges billed. EDS specialists offer up to 25% off their normal fees for services described in the schedule of benefits.

Delta Dental Benefit Features: • Employees can visit the provider of their choice, but will see savings from visiting an in-network provider.• When an employee visits a PPO dentist, the maximum charge for each covered procedure is the amount agreed to by the PPO

dentist.• When an employee sees a Premier dentist, the dentist can balance bill up to the Premier allowed amount.• When an employee visits a non-PPO dentist, Delta pays the claim based upon the reasonable and customary fee. If the non-PPO

dentist charges more than the reasonable and customary fee amount, the employee is responsible for paying the difference.

In-Network BenefitsEDS

Copay examples are provided below, based on procedure codes . A full list can be found

in the EDS Schedule of benefits.

Delta DentalPPO

Delta DentalPremier

Annual Maximum No maximums $1,500 per covered member $1,500 per covered memberDeductible (Jan 1 - Dec 31) No deductible $50 Employee / $150 Family $50 Employee / $150 FamilyExams ADA Code 9431 - $5 copay 100% covered 80% covered

Cleanings ADA Code 120 - No chargeADA Code 1120 - $5 copay 100% covered 80% covered

X-Rays ADA Code 210 - $23 copayADA Code 274 – No charge 100% covered 80% covered

Fillings ADA Code 2330 - $32 copay 90% after deductible 80% after deductibleRoot Canal ADA Code 3330 - $305 copay 90% after deductible 80% after deductibleCrowns ADA Code 2721 - $465 copay 60% after deductible 50% after deductible

Orthodontic Services See schedule of benefits 50% with $1,000 Lifetime MaxChildren to age 19

50% with $1,000 Lifetime MaxChildren to age 19

Dental Benefits

Per Pay Period Rates EDS Delta Dental16 Pay Periods 24 Pay Periods 16 Pay Periods 24 Pay Periods

Employee Only $8.13 $5.42 $20.42 $13.61

Employee + One $16.56 $11.04 $37.97 $25.31Employee + Family $22.11 $14.74 $64.62 $43.08


Vision BenefitsThe vision program includes a routine vision exam once every 12 months. In addition, you will receive preferred pricing and/or discounts on eyeglasses and contact lenses if purchased through participating retailers. You can quickly look up any provider in the EyeMed network by going to your MVP portal at mvp.vail.k12.az.us and clicking the EyeMed Vision Provider Directory link.

These charts reflect basic summary information only. Please talk to your HR specialist if you have any questions.

EyeMedIn Network

Examination (Once Every 12 Months) $10 CopayContact Lens Exam (Once Every 12 Months) Standard Fit and Follow Up Premium Fit and Follow Up

$55 Max Copay90% of retail price

Lenses (Once Every 12 Months)* Single Bifocal Trifocal Standard Progressive

$25 Copay$25 Copay$25 Copay$90 copay

Frames (Once Every 12 Months)* $0 copay + 80% of balance over $130Contact Lenses (Once Every 12 Months)* Conventional Disposables Medically Necessary

$0 copay + 85% of balance over $130$0 copay + 100% of balance over $130

$0 Copay, Paid in FullLaser Vision Correction 85% of retail price

* The Eyemed Vision Benefit covers frames OR contact lenses once every 12 months.

EyeMed Per Pay Period Rates16 Pay Periods 24 Pay Periods

Employee Only $4.64 $3.09Employee + One $8.74 $5.83Employee + Family $12.79 $8.53


Life & Supplemental Life Benefits

Basic Life and Accidental Death & Dismemberment (AD&D)Basic Life Insurance protects your family or other beneficiaries in the event of your death. Accidental Death and Dismemberment (AD&D) provides an additional benefit in the event of an accidental injury that results in your death or dismemberment. The basic life policy may be converted to a whole life policy within 30 days of separation. Vail School District pays the entire cost of this plan for benefits eligible employees.

Supplemental Life & Accidental Death & Dismemberment (AD&D)You may purchase additional Life and AD&D insurance for yourself and any eligible dependents. Premiums are paid through a convenient payroll deduction. Evidence of Insurability required for approval if you did not enroll when initially eligible.

Disability BenefitsShort Term DisabilityShort Term Disability provides income if you cannot work due to an illness or injury. You do not have to be permanently disabled or unable to work at all to qualify for benefits. You may qualify as disabled during the elimination period and benefit payment period if due to sickness, injury or pregnancy and one of the following applies:• You cannot perform the majority of the substantial and material duties of your own occupation;• You are performing the duties of your own occupation on a modified basis and lose at least 20% of the income you earned before

becoming disabled; or,• You are performing the duties of any other occupation and lose at least 20% of the income you earned before becoming disabled.

Short Term Disability benefits begin on the 61st day of disability when your disability is due to illness or injury. The amount of time you must be disabled before receiving benefits is called the elimination period. It can be satisfied with days of total or partial disability. Vail School District pays the entire cost of this plan for benefits eligible employees.

Benefit Summary

Short Term Disability Benefits66.67% of pre-disability weekly earnings$2,000 maximum weekly benefit$15 minimum benefit

Elimination (waiting) Period 60 calendar days

Max Benefit Period 18 weeks after the benefit payment period begins

Long Term Disability Long Term Disability Insurance is provided through the Arizona State Retirement System. Employees pay premiums through mandatory contributions to the Arizona State Retirement System (ASRS). All employees who work twenty (20) or more hours per week, twenty (20) or more weeks per year, must contribute to the ASRS Long Term Disability plan. Contribution rates for 2017-2018 are 0.16% of salary for the employee and 0.16% for the district. This plan provides benefits after 180 days of continuous disability and the benefits payable are approximately 66.67% of the employee’s regular wage. Enrollment for this plan should be completed online at azasrs.gov when you are hired or when you become eligible.

Employee & Spouse CoverageEmployee Only $10,000 increments to $500,000 ($100,000 Guarantee Issue within first 30 days of eligibility)

Spouse $5,000 increments to $100,000 ($25,000 Guarantee Issue within first 30 days of eligibility), not to exceed 50% of the employee benefit

Child(ren) $5,000 coverage per child

Benefit SummaryLife Benefit $10,000

Accelerated Benefit Up to 75% of benefit if terminally ill with life expectancy of less than 12 months; remainder paid at death.

Waiver of Premium After 9 months of total disability

Benefit Age Reduction Benefits reduce to 75% of the original amount at age 65 and 50% of the original amount at age 70

Legal Documents & Grief Support Will, living will, health care power of attorney and more. 24/7 grief guidance, coping strategies and more.


Flexible Spending Account - Get More Out of Your Paycheck

Vail School District understands your desire to make the most of your money and understands that everyone could use some help managing personal expenses. That’s why the District is offering you the opportunity to enroll in a Health Care and/or Dependent Day Care Flexible Spending Accounts (FSAs).

FSAs can provide significant advantages, such as:• Immediate tax savings. Contributions to your FSAs are made on a pre-tax basis, which lowers your taxable income. This may decrease the

amount you pay in federal, state, local and FICA taxes.• Increased spendable income. Because FSA contributions lower your taxable income and may reduce the amount you pay in taxes, your net

income may increase every month.

If you wish to participate in one or both types of FSAs, you must decide how much to set aside annually. This annual election is divided into equal amounts each pay period, and the contribution is placed into your accounts. The dollars remain in your account until you request reimbursement for eligible expenses.

Whatever amounts you set aside may only be used for non-reimbursed healthcare and dependent care expenses. The Plan Year for the FSA is July 1, 2017 through June 30, 2018. You are now able to carry over a maximum of $500 to the next plan year if necessary. Any amount exceeding the rollover at the end of the year will be forfeited.

Please take the time to read about this benefit and evaluate how you can best plan for your family’s needs. BASIC is the third party administrator for the Flexible Spending Accounts. BASIC provides a guidebook with some eligible expenses and savings examples; this is available to you on the My Vail Portal under the Benefits Documents link and is available for you to review during your online enrollment in the Flexible Spending Accounts page.

Quick FactsHealthcare Annual Maximum Contribution = $2,600Dependent Care Annual Maximum Contribution = $5,000 (Single or Married and filing jointly), $2,500 (Married and filing separately)

Examples of eligible healthcare expenses:

• Dental and orthodontic care• Deductibles and copayments• Hearing care• Routine physical exams

Eligible Daycare Expenses

• Dependent day care expenses for your children• Qualified elder care

• Chiropractic Services• Vision care (exams, glasses, contacts)• LASIK Surgery, contact solution, eyedrops• Certain over the counter medications (With a Prescription)

Things to Consider• You are now able to carry over a maximum of $500 to the next plan year if necessary• The full amount of your medical election is available for reimbursement upon the first day of your plan year• There is also a calculator that can help you calculate what your savings would be. • Visit https://www.basiconline.com/tools-resources/calculators/your-basic-flex-tax-savings-calculator/

The money you would typically pay in taxes becomes part of your take home pay


Limited Purpose FSAPer IRS rules, you cannot enroll in the FSA if you are enrolled in the HDHP and HSA. However, you can enroll in a “Limited Purpose FSA” for uncovered dental and vision expenses.

How Your FSA WorksSet up your account by esti mati ng your out-of-pocket expenses for healthcare for the coming year; use the BASIC FSA Workbook to help anti cipate expenses.

Using Your Debit CardUpon inital enrollment you will receive a debit card. By using the fl exible spending debit card, you access your reimbursement account directly, without having to pay out of pocket and wait for a reimbursement. This lets you pay for some routi ne, eligible expenses with your debit card without having to submit documentati on. Some expenses will sti ll require that you provide supporti ng documents.

For Healthcare Reimbursement • Pay for any eligible expenses, and then submit a FSA claim to BASIC, their informati on is located on the Contacts page. You may go online to view

your FSA claims, check the status of your FSA reimbursement checks and view your FSA account balance anyti me you want. It’s quick and easy!

For Dependent Day Care Reimbursement, Please Keep in Mind Some of the Following IRS Rules• Dependent day care and before and aft er school care expenses can be

submitt ed for children under the age of 13, or dependents over the age of 13 if the individual is incapable of self-support

• The caregiver cannot be someone you can claim as a dependent on your income taxes

• Overnight camps are not an eligible expense; only day camps are eligible• Using a dependent care FSA reduces your eligibility for the Federal Child

Care Tax Credit

BASIC even has “an app for that.”

First ensure you have acti vated your account access at the Employee Portal Website htt ps://basic.Ih1ondemand.com, then search the app store for “Benefi ts by BASIC” and install. You will use the same user name and password that you set up online.

Savings Example

Esti mated savings based on employee's federal, state, local and FICA taxes totaling 32% of annual income. Your tax rates may vary.

With FSA Without FSA

Monthly Gross Pay $2,500 $2,500

Pre-tax contributions to FSADependent Day CareHealth Care

$300$100

$0$0

Taxable Income $2,100 $2,500

Less federal, State, FICA taxes $672 $800

After-tax Monthly Pay $1,428 $1,700

After-Tax expensesDependent Day CareHealth Care

$0$0

$300$100

Net Spendable income $1,428 $1,300

Monthly Savings (in taxes) $128 $0

Annual Savings $1,536 $0

Flexible Spending Account - Continued

2017-2018 Benefi ts Guide 13

ASBAIT Employee Assistance Program (EAP)Alliance Work Partners (AWP) is your Employee Assistance Program (EAP) off ering you and your family valuable, confi denti al services at no cost to you. It is designed to help you manage daily responsibiliti es, life events, work stresses, or issues aff ecti ng your quality of life. AWP is available to take your call 24 hours-a-day, 7 days-a-week. For further EAP assistance and/or Nurseline support call Alliance Work Partners toll free at (800) 343-3822, Teen Help Line (800) 334-8336, TDD (800) 448-1823 or email at [email protected]. Para más información o Nurseline asistencia llame a Alliance Work Partners (800) 343-3822, Teen Help Line (ayuda para adolecentes) (800) 334-8336, TDD (800) 448-1823, correo electrónico, [email protected].

• 1-5 short term counseling sessions per problem per year, which includes assessment, referral and crisis services

• Dependents residing in the employee’s household are covered• The EAP is available at no cost to the employee or family member and is completely confi denti al• Legal and fi nancial services - Provided by a lawyer or fi nancial professional specializing in your area of concern. Available online

or by telephone• WorkLife services - Resources and referrals for everyday needs available by telephone• Nurseline - Expert advise on health issues and when/how to address them• Teen Help Line - Call toll free at any ti me at 800.334.TEEN (8336)• HelpNet services - Customized EAP website featuring resources, skill-building tools, online assessments and referrals • SafeRide - Reimbursement for emergency cab fare for eligible employees and dependents that opt to use a cab service instead of

driving while impaired

Principal Employee Assistance Program (EAP)You and your immediate family can receive help coping with life’s everyday, and not so everyday, challenges with an Employee Assistance Program (EAP) from Magellan Health Services. The program provides help in dealing with family matt ers such as divorce, as well as providing resources on parenti ng, safety and community services. Visit www.MagellanHealth.com/member or call 800-588-8412.

Principal Travel AssistanceAs an employee covered by a group term life insurance policy from Principal Life Insurance Company, you are eligible for travel assistance services provided by AXA Assistance.

You, your spouse and dependent children (whether traveling together or separately) have access to travel, medical, legal and fi nancial assistance plus emergency medical evacuati on benefi ts when traveling domesti cally or internati onally 100 or more miles away from home for up to 120 consecuti ve days. Visit htt p://www.principal.com/grouplh/travel-assistance/travel.htm for more informati on. For assistance call 888-647-2611 (U.S) or 630-766-7696 (Internati onal).

Principal Will and Legal Document CenterAs a member covered by group term or voluntary term life insurance from Principal Life Insurance Company, you have free access to resources from the Will & Legal Document Center provided by ARAG® Services, LLC.

You also have access to Personal Informati on Organizer. This creates a one-step directory of personal and fi nancial informati on as well as funeral arrangements and Estate planning educati on and tools that help you view a variety of arti cles and links to legal informati on

It’s as easy as 1-2-3! Visit www.aragwills.com, register using your group policy #1042920 (your employer’s account number with Principal Life). Complete the forms or download the materials (If you don’t know your group policy number, you can fi nd it by logging in to your personal login page on principal.com or asking your employer). If you need help with registrati on, call ARAG Customer Care at 800-546-3718. Or if you have questi ons about the services, call Principal Life at 866-539-1728

Your EAP offers you and your

household valuable,

confi dential services at no cost

to you.

Additional District Paid Benefi ts


AFLAC Voluntary BenefitsThe AFLAC voluntary benefits listed below are available to you and share these important features:• Complement your core benefits offered by Vail School District – provide immediate, additional income for your initial out-of-pocket expenses (i.e.

high deductibles and coinsurance) • Portable – if you terminate your employment, you may continue your coverage with no increase in premiums• Benefits are paid directly to you, unless you specify otherwise• Coverage is available for your spouse and children up to age 26 for most products• In the event of a claim, your benefits are paid regardless of any other insurance benefits or sick leave you may be receiving.• Once enrolled, you do not have to re-enroll for these voluntary benefits during each annual open enrollment period

Accident Indemnity PlanYou’ll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance when injured by an accident (24/7 coverage): emergency treatment, hospital stays, bodily injuries, surgery, ambulance, physical therapy, accidental death, wellness and much more.

Maximum Difference CancerThis cancer plan is designed to provide you with a $3,000 initial treatment benefit and cash benefits during covered cancer treatments such as: chemotherapy and radiation, surgery and hospital stays, reconstructive surgery, immunotherapy, experimental treatments, bone marrow transplants, nursing care, hospice, skin cancer benefit and more.

Short-Term DisabilityInsure your paycheck with Aflac’s disability insurance. This benefit will pay up to 60% of your income for off-the-job injuries and illnesses for a period of 3 months. The program has 1st day coverage for off-the-job injuries and starts on the 8th day for illnesses. Pregnancy benefits also included with this program. This program is designed to bridge the gap until your district disability begins at 60 days.

Hospital Protection-HSA OptionDesigned to help offset out-of-pocket expenses incurred from admittance into the hospital for an injury or illness. Initial payout of $2,500 per confinement every 90 days per individual covered under the program. Includes labor and delivery.

Hospital Essentials ProtectionDesigned to help offset out-of-pocket expenses incurred from admittance into the hospital to manage deductibles. Initial payout is $500 per confinement every 90 days per individual covered under the program. Features emergency room visits, physician visits, and, added this year, surgical and extendended hospitalization benefits. Includes labor and delivery.

Other Voluntary BenefitsLiberty Mutual - Auto & HomeLiberty Mutual offers Vail School District employees Group Savings Plus. This unique program allows you to purchase high quality auto insurance with a 10% discount and home & renters insurance with a 5% discount. Liberty Mutual includes the Educator Endorsement offering school district employees additional auto coverage at no extra charge. For a free quote, please contact Silvia Cuevas at 520-745-1661 ext. 09503 or [email protected].

Info ArmorIn 2016, 15.4 million Americans were victims of identity fraud and cleaning up the damage is a nightmare! Do you know what you should do to protect yourself and your family? You can enroll in PrivacyArmor® to protect your digital identity and financial wellness against the dangers of identity theft. PrivacyArmor is a proactive fraud detection and prevention service, including full-service remediation for state-of-the-art identity protection. Once enrolled, you will receive access to monthly credit scores and annual credit report, social media reputation monitoring, digital wallet storage and monitoring, threshold monitoring on all financial accounts and a $1,000,000 identity theft insurance policy. Please visit https://infoarmor.com/vailschooldistrict and click enroll now to sign up.

VPI - Pet InsuranceVPI is the leader in pet insurance. Veterinary medicine is advancing every day and new technology and treatments come with additional costs. Employees of Vail School District will receive an automatic 5% group discount on their pet’s policy. Plus, you can receive up to 15% in discounts on multiple pet policies, potentially saving you hundreds of dollars in pet insurance premiums. To enroll, or for more information, call 1-866-838-7387 or go online at petinsurance.com.

AFLAC Voluntary Benefits

2017-2018 Benefi ts Guide 15

Retirement Savings PlansVail Reti rement Savings Plan: The District has selected the Nati onal Public Pension Fund Associati on (NPPFA) as the administrator, and Diversifi ed Investment Advisors as the approved vendor for the Vail Reti rement Savings Plan. The Vail tax-deferred savings plan is a program established by public sector employees with the goal of “What is the best practi ce” for a supplemental savings plan and “What is in the best interest of the parti cipant.” The program is a combinati on of 457(b), 403(b) 457(b) Roth and 403(b) Roth plans. Below are some of the most commonly asked questi ons about the Vail Reti rement Savings Plan. Online enrollment is available to all benefi ts eligible employees.

• What is a 457(b) Plan? A 457(b) plan is a non-qualifi ed tax-deferred compensati on plan that works very much like other reti rement plans such as the 403(b) and 401(k). Created in 1978, the name refers to the relevant secti on [457] in the Internal Revenue Code that governs the plan.

• Are contributi ons to the 457(b) sti ll on a tax-deferred basis? Yes, money is deferred into the 457(b) plan on a pretax basis through a salary deferral agreement. The 457(b) contributi ons grow tax-deferred unti l withdrawal at reti rement or terminati on of employment.

• What is diff erent about the Roth plan? In a Roth plan you can make aft er-tax contributi ons. At the ti me of distributi on you do not get taxed and you do not have a penalty.

• Why contribute to a 457(b) Plan? To save for reti rement, reduce taxable income, contributi ons and earnings grow tax-deferred.

For informati on regarding the Vail Reti rement Savings Plan, contact your HR Specialist and/or Debby Karton at, 847-441-5911.

Arizona State Reti rement System (ASRS): Provides a fi xed monthly benefi t upon reti rement. All eligible employees working twenty (20) or more hours per week, twenty (20) or more weeks per year, must contribute to the ASRS Reti rement plan. Both employer and employee contribute to each member’s reti rement during employment. The 2017-2018 employee and district contributi on are each 11.34%. Please consult your ASRS Member Handbook for details or visit their website at www.azasrs.gov.


Important Benefi t Contacts

Carrier Plan Phone W/Email

ASBAIT Meritain - MedicalScriptWorld - Pharmacy 800-762-2234 mymeritain.com

Teladoc w/Medical 800-362-2667 MyDrConsult.com

Delta Dental Buy-Up Plan 800-352-6132 deltadentalaz.com

EDS Dental Core Dental Plan 800-722-9772520-696-4343 mydentalplan.net

EyeMed Vision - PPO Plan 866-939-3633 eyemedvisioncare.com

Principal Basic Life / AD&D, Supplemental Life Short Term Disability 800-903-5402 principal.com

HealthEquity Bank Health Savings Account 866-346-5800 healthequity.com

BASIC Flexible Spending Accounts 800-444-1922 basiconline.com

AFLACAccident Indemnity Plan, Hospital

Indemnity Plan, Cancer Protecti on, Lump Sum Criti cal Illness

Seth - 520-989-0661800-992-3522

afl [email protected] ac.com

AZ State Reti rement System Reti rement / Long Term Disability 520-239-3100 azasrs.gov

Nati onal Public Pension FundAssociati on Supplemental Reti rement Savings Plan 847-441-5911 divinvest.com

Angela Schlosser - CBIZ Claims Resoluti on 520.321.7503 [email protected]

Name Title Phone EmailAmanda Giles HR Specialist 520-879-2017 [email protected]

Karen Brandt HR Specialist 520-879-2023 [email protected]

Melissa Grossheim HR Specialist 520-879-2083 [email protected]

Monica Brick Assistant Director of HR 520-879-2018 [email protected]

About this Booklet. This booklet highlights important features of Vail School Dis-trict’s benefi ts for it’s eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefi ts will be determined by the legal plan documents and the con-tracts that govern these plans. Benefi t plans may be changed for any reason, to the extent allowed by law. Your participation in these benefi ts is not a contract of employ-ment and does not guarantee future employment.

CBIZ Benefi ts & Insurance Services1765 East Skyline Drive

Tucson, AZ 85718Updated 4/27/17