houston county board of education new employee benefits orientation 2016 benefits
TRANSCRIPT
Houston County Board of Education
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New Employee Benefits Orientation 2016 Benefits
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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.
ABOUT THIS ORIENTATION
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• Benefits Plan Year = Calendar Year (January – December)
• New Employee benefits
• Begin the 1st 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
ELIGIBILITY & PLAN YEAR INFORMATION
LOCAL BENEFITS ENROLLMENT
1. Access www.hcbe.net
Click Benefits
Click Employee Benefits
Click Employee Benefits Center
User Id:
First+Middle+Last initial and the last 4 of your SSN
Password:
Click “First Time User”
Ex: SNL9876
2. Login to Benefits Portal
Access the on-line Benefits Center portal to elect Local Benefits (Dental, Life, Disability & Flexible Spending Accounts):
Call the Benefits Service Center for website navigation: 866-671-0721
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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
HEALTH ENROLLMENT
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State Health Benefit Plan
o Review the 2016 Active Employee Decision Guideo 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 districtso Confirm current SHBP coverageo No SHBP changes are permitted until next Open Enrollment
ENROLLMENT INFORMATION
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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
ENROLLMENT DEADLINE
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Before you enroll your dependents…
• Health/SHBP • Dependent children are eligible until age 26 • Coverage continues through the end of the month of
the 26th 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
ENROLLMENT INFORMATION
HCBE PAYS ALL OR PART• State Health Benefit Plan
• Dental
• Basic Life
• Sick Leave
• Long Term Disability
• Retirement
2016 BENEFITS PORTFOLIO
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OPTIONAL BENEFITS • State Health Plan
• Dental
• Optional Life
• Dependent Life
• Short Term Disability
• Flexible Spending Accounts
• Retirement (TRS or PSERS)
• Supplemental RETR (403b/457/Roth)
STATE HEALTH BENEFIT PLAN(SHBP)
BENEFIT PLAN YOUYOU +
CHILD(REN)YOU +
SPOUSEYOU + 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
2016 MEDICAL MONTHLY PREMIUMS
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 can consult, diagnose, and issue prescriptions
• Lower out-of-pocket costs for HRA members
RETAIL PHARMACY BENEFITSHMO 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
COMPLETE A WELL-BEING ASSESSMENT (WBA) AND A
BIOMETRIC SCREENING
EARN $240 IN WELL-BEING INCENTIVE CREDITS
($480 YOU AND SPOUSE)
COMPLETE THE COACHING PATHWAY OR
ONLINE PATHWAY
EARN $240 IN WELL-BEING INCENTIVE CREDITS
($480 YOU AND SPOUSE)
All SHBP plans offer Well-Being Incentive Credits
Complete tasks between
January 1, 2016 and December
15, 2016
2016 WELLNESS PROGRAMHIGH 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 SUMMARYCOVERAGE ITEM
BCBSGOLD HRA
BCBSSILVER HRA
BCBSBRONZE HRA
UHC & BCBS HMO
UHC HDHP
Deductible
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
Medical Out-Of-Pocket Maximum
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 % 75 % 80 % 70 %
Medical
PCP Visit Coins After Ded Coins After Ded Coins After Ded $35 Copay Coins After Ded
Specialist Visit Coins After Ded Coins After Ded Coins After Ded $45 Copay Coins After Ded
Plan Provided HRA Credits
You $400 $200 $100 N/A N/A
You + Spouse $600 $300 $150 N/A N/A
You + Child(ren) $600 $300 $150 N/A N/A
You + Family $800 $400 $200 N/A N/A
TRICARE SUPPLEMENT PLANCoverage Level TriCare Supplement
Premiums
You $60.50
You + Child(ren) or Spouse $119.50
You + Family $160.50
• For retired military
• A supplement to your current TriCare benefits
• Contact www.asicorporation.com/ga_shbp for benefits information
PEACHCARE FOR KIDS
• Your children may be eligible for PeachCare
• Low cost health insurance
• Access www.peachcare.org
• Find out if you are eligible
• Apply for coverage
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
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MEDICAL PLAN HCBE CONTRIBUTIONS
Health Plan Questions? Review the Health Plan Decision Guide
Blue Cross Blue Shield: 855-641-4862www.bcbsga.com/shbp
United Healthcare: 888-364-6352
www.welcometouhc.com/shbp
Healthways: 888-616-6411www.bewellshbp.com
Express Scripts: 877-841-5227www.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
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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)
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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
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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 1st
• No need to wait until the funds are in the account for reimbursement
Annual HealthCare FSA max is $2,550
• Up to $ 500 of unused Health Care FSA funds carry over to next year
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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
FSA Claim Administration• Administered by Optum Health – www.optumhealthfinancial.com
• Claims must be incurred by December 31st and submitted by February 28th
• 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
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FLEXIBLE SPENDING ACCOUNT
DENTAL
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MetLife 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”)
DENTAL
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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
more100% 100%
Type B – Fillings, simple extractions, perio. maintenance, space maintainers, sealants for
children, and more60% 80%
Type C – Surgical extractions, bridges, crowns, dentures
50% 50%
Type D - Orthodontia 50% 50%
PLAN DEDUCTIBLE & MAXIMUMSLow Plan (In-network) High Plan (In-network)
Deductible Ind $75 / Fam $225 Ind $50 / Fam $150
Annual Maximum $750 per person $1500 per person
Ortho Maximum $750 per person $1500 per person
DENTAL
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HCBE contributes an additional $5 per month toward premium
Dental CoverageMonthly Payroll
DeductionLow Plan
Monthly Payroll DeductionHigh 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
DENTAL
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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
LATE
ENTRANT
INFORMATION
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LIFE INSURANCEVoya 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
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OPTIONAL LIFESUMMARY OF BENEFITS RATES per $1,000
(for you & spouse)
Employee Benefit Amount
Benefit Maximum
Guarantee Issue (GI)
1-5 times your basic yearly earnings Up to $500,000
$300,000
0 – 29 $0.045
30 – 34 $0.055
35 – 39 $0.07
40 – 44 $0.11
Dependent Spouse $5,000 - Cost is $1.53 per month
$10,000 - Age banded – use table to the right $25,000- Age-banded – use table to the right)
45 – 49 $0.16
50 – 54 $0.25
55 – 59 $0.35
60 – 6465 – 6970+
$0.56$0.78$1.58
Child(ren) $5,000 - Cost is $.30
$10,000 - Cost is $.60
Benefit Reductions Due to Age Age 70-75: 65%Age 75-80: 45%Age 80+: 30%
(applies to spouse $10k and $25k)
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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 4th personal leave day. At 60 days, you earn a 5th 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
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SHORT TERM DISABILITYVoya 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
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Waiting / Elimination Period
Rates per $100 Monthly Benefit
7 days $2.2914 days $1.2530 days $1.1045 days $0.9660 days $0.86
OPTIONS AND RATES SUMMARY
SHORT TERM DISABILITY
• 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
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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)
RETIREMENT PLANS
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HCBE RETIREMENT
• Social Security
• Teacher’s Retirement System (TRS) or Public School Employees Retirement System (PSERS)
• Houston County Board of Education Supplemental Retirement Plan
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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 payHCBE contributes – 14.27% of pay
• For account information, annual statements, etc. go to: www.trsga.com
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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 = $ 70,00060% x $ 70,000 = $ 42,000/year
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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
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SUPPLEMENTAL RETIREMENT PLAN403(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
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RETIREMENT PLANS
Houston County Board of Education retirees with PSERS & TRS can keep
health, dental and life coverage into retirement
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Houston County Board of Education Benefits Service Center (BSC)
• Enrollment Portal Website Navigation assistance• Benefits Questions
YOUR BENEFITS RESOURCES
Telephonic866-671-0721
Mon-Thurs 8am to 6pm
Fri 8am to 5pm
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Enrollment Portal
Additional questions?Contact Your HCBE Benefits Department
YOUR BENEFITS RESOURCES
• Review benefits mid-year
• Review/update your life insurance beneficiary
• Update student status for dependents age 19 & older
• Print Confirmation Statement
THANK YOU
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