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BENEFITS ENROLLMENT GUIDE Plan Year: September 1, 2016 through August 31, 2017
Nacogdoches ISD: Maxine Symmank NISD Employee Benefits Coordinator Email: [email protected] Phone: 936-569-5000, ext 8833
Lacey Parmer Employee Benefits Manager Email: [email protected] Phone: 936-564-0221
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Your Enrollment OverviewYour Enrollment Overview
Nacogdoches Independent School District and BancorpSouth Insurance would like to take this opportunity to present to you the benefit information for the upcoming plan year. This information has been created to bring forth a brief overview of your benefit choices as well as offer you a reference guide when questions may arise regarding your insurance plans. Please take the time to look over the information contained in this booklet to familiarize yourself with the benefits that are provided to you as an employee of Nacogdoches ISD. The plan year for Nacogdoches ISD is September 1, 2016 through August 31, 2017. Payroll deductions for your benefits will begin in September. This guide contains a summary of the benefits offered by Nacogdoches ISD. If there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail.
Information That You Need
Due to the Affordable Care Act (ACA) all eligible employees, including active contributing TRS Members and Employees regularly working 10 hours per week MUST either enroll for coverage or Decline Coverage. ACA Reporting Requirements for TRS ActiveCare, which was previously voluntary, are mandatory as of July 1, 2015. The following information you will need before you meet with BancorpSouth Representatives:
♦ All Social Security Numbers for every Family Member (even if you do not cover them)
♦ Residence Address (Street, City, State and zip code) NO PO Boxes; needed to verify county
where the participant lives for ACA
♦ Telephone Number (home or cell)
KNOW BEFORE YOU GO! When making doctor appointments, it’s always a good idea to make sure the provider participates in the network. This helps keep your costs lower. You can always check for a provider online via the carrier website or simply ask your doctor. For medical and pharmacy benefits, you will receive and ID card as well as a separate card for Dental elections. Vision elections will not receive a card. You will need to let your provider know you work with Nacogdoches ISD and tell them you have VSP for the benefit. They will file the claim using your name, SSN, DOB, etc.
Table of Contents
Topic Page
TRS/Aetna…………………………………………………………………………………………….6-9 Basic Life & AD&D…………………………………………………………………………………...10 Voluntary Life & AD&D……………………………………………………………………………...11-12 Dental…………………………………………………………………………………………………13 Vision………………………………………………………………………………………………….14-15 Disability Income…………………………………………………………………………………….16-19 Accident……………………………………………………………………………………………….20 Cancer…………………………………………………………………………………………………21 Texas Life Permanent Life…………………………………………………………………………..22-25 Flexible Spending Account (Healthcare Expenses)………………………………………………26-30 Flexible Spending Account (Dependent Care Expenses)………………………………………..31 403(b) & 457(b)……………………………………………………………………………………......32-33 Carrier Contact Information………………………………………………………………………….34 Reminders / Questions & Answers…………………………………………………………………35
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NEW THIS YEAR!
Easy online enrollment available so you can enroll when it’s
convenient for you!
You have two options for completing your enrollment this year!
Employees have the option to go online and complete their own enrollment through the easy self service online enrollment! The online enrollment system can be accessed from any
computer, smart phone or tablet.
Should you not wish to complete your enrollment online you will need to see a representative on your campus to complete your
enrollment.
See Page 5 for online enrollment instructions.
*All employees will need to complete their enrollment by one of the two options available.*
Online enrollment will be open until Friday, August 19th!
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Online Enrollment Instructions
1. In order to begin your benefits enrollment, please proceed to www.in-roll.com. 2. At the Login screen, you will need to enter your User Name and Password. User Name = first initial followed by last name and last four digits of your Social Security Number Password = nacisd (all passwords have been reset to nacisd) Example—employee Jane Doe User Name: jdoexxxx (represents the last 4 digits of SSN) Password: nacisd (you will be prompted to change at first login. Your new password must be at least five characters and contain at least one number. 3. Once you have logged into the system, you will be prompted to the Welcome Screen. Click the button that reads “Click Here to
Begin Your Enrollment”. 4. At this point you will be on the Current Benefits screen. For new hires, this screen will be blank. Review and click continue. 5. On the next screen (Verify Information), you will add any dependents you currently claim based on IRS guidelines. You will need to
enter them regardless if you choose to elect coverage for them or not. This is due to healthcare reform. It is very important to complete the Name, SSN, DOB, Gender and Relationship for each dependent. Once done, click submit and add any other dependent to be covered. After dependents have been added click the “Continue Enrollment” button.
6. You will be prompted to add a beneficiary for the employer paid life insurance. You may add a primary and contingent beneficiary
but keep in mind the % share must total 100% for each the primary and the contingent. 7. From this point, you will proceed through each benefit option selecting to either elect or decline each coverage type. There will be
instructions located at the top of each page as well as links to specific plan information for each type of coverage, such as schedule of benefits, etc. As you progress through the enrollment, the plans that you elect will be marked with a blue check and the plans you decline will be marked with a red x. There is also a running total of the cost of your elected coverage in the top left corner of the screen. For benefits where dependent coverage is elected, you will need to select which dependent to add.
8. Once you have completed your enrollment, you will be directed to a Confirmation Statement. This page will list all of the benefits
you have selected. Please review the statement to make sure the information is correct and any dependents you have chosen to enroll are showing. BE SURE TO CLICK ON THE “COMPLETE ENROLLMENT” BUTTON. You can then print the confirmation statement or take a snapshot of it from your smart phone or tablet for your records.
Note: You may log into the system as many times as you would like and make changes until the enrollment end date. Your final election will be used for the plan year.
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TRS ActiveCare has not yet released the 2016-2017 ActiveCare Plan Highlights. They have released the rates and benefit changes which are included on page 7.
The rates and benefit changes listed on page 7 would take place of those listed in the prior year’s summary on page 8 and 9.
Once released by TRS, the guide will be updated.
IMPORTANT INFORMATION
Monthly Medical Rates (includes $316.00 monthly contribution from district)
TRS ActiveCare 1-HD TRS ActiveCare Select TRS ActiveCare 2
Employee Only $25.00 $168.00 $329.00
Employee & Spouse $598.00 $831.00 $1,236.00
Employee & Child(ren) $299.00 $463.00 $726.00
Employee & Family $915.00 $1,045.00 $1,281.00
Note: Rates listed on page 7 are total monthly rates and do not include district contribution.
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Lincoln Financial Basic Life & AD&D Nacogdoches ISD provides all full-time employees with group Life and Accidental Death and Dismemberment (AD&D) insurance. You will want to keep your Beneficiary information current with Human Resources at all times.
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Lincoln Financial Voluntary Life & AD&D
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Lincoln Financial Voluntary Life & AD&D
Dependent Children Benefit Monthly Rate: $5,000 for $0.91 OR $10,000 for $1.82
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Lincoln Financial Dental
Monthly Employee Rates:
Employee Only $30.96 / Employee & Spouse $71.64 / Employee & Child(ren) $70.90 / Employee & Family $104.40
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VSP Vision — Low Plan
To find a VSP provider, visit www.vsp.com or call 800-877-7195.
At your appointment, tell them you have VSP. There’s no ID card necessary. If you’d like a card as a reference, you can print online.
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VSP Vision — High Plan
To find a VSP provider, visit www.vsp.com or call 800-877-7195.
At your appointment, tell them you have VSP. There’s no ID card necessary. If you’d like a card as a reference, you can print online.
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Standard Disability Income
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Standard Disability Income
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Standard Disability Income
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Standard Disability Income
Allstate Accident Insurance
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Allstate Cancer Insurance
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Texas Life Permanent Life Insurance
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Texas Life Permanent Life Insurance
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Texas Life Permanent Life Insurance
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Texas Life Permanent Life Insurance
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TASC FlexSystem—Flexible Spending Account (Healthcare Expenses)
Nacogdoches ISD will contribute $53.00 per month to an FSA account for those employees that WAIVE the TRS/Aetna medical insurance.
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TASC FlexSystem—Flexible Spending Account (Healthcare Expenses)
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TASC FlexSystem—Flexible Spending Account (Healthcare Expenses)
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TASC FlexSystem—Flexible Spending Account (Healthcare Expenses)
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TASC FlexSystem—Flexible Spending Account (Healthcare Expenses)
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TASC FlexSystem—Flexible Spending Account (Dependent Care Expenses)
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OMNI 403(b) & 457(b) Administration
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Carrier Contact InformationCarrier Contact Information
Medical Insurance
Provider Name: TRS Active Care—Aetna (group# 866343-017-00030)
Phone Number: 1-800-222-9205
Website: www.trsactivecareaetna.com
Pharmacy
Provider Name: TRS Active Care / Caremark
Phone Number: 1-800-222-9205
Website: www.caremark.com/trsactivecare
Group Life & AD&D, Voluntary Life & AD&D
Provider Name: Lincoln Financial
Phone Number: 1-800-423-2765
Website: www.lfg.com
Dental
Provider Name: Lincoln Financial
Phone Number: 1-800-423-2765
Website: www.lfg.com
Vision
Provider Name: VSP
Phone Number: 1-877-877-7195
Website: www.vsp.com
Disability Income
Provider Name: Standard
Phone Number: 1-888-937-4783
Website: www.standard.com
Accident & Cancer
Provider Name: Allstate
Phone Number: 1-800-521-3535
Website: www.allstatebenefits.com
Permanent Life Insurance
Provider Name: Texas Life
Phone Number: 1-800-283-9233
Website: www.texaslife.com
Health Care & Dependent Care Flexible Spending Accounts
Provider Name: TASC
Phone Number: 1-800-422-4661
Website: www.tasconline..com
Provider Name: OMNI (USEBSG)
Phone Number: 1-877-544-6664
Website: www.usebsg.com
403(b) & 457(b) Administration
Reminders
♦ Employees are responsible for notifying Human Resources if a dependent is no longer eligible for benefits. Failure to notify HR will affect COBRA availability and premium refunds.
♦ From time to time other coverage information and accident details may be request-
ed by the carrier—please respond promptly to expedite processing of claims.
Questions & Answers
What forms MUST be completed?
• Enrollment should be completed online by employee self-service or with a representative eliminating the need for paper enrollment forms. Should you miss the online enrollment period and still be within the 30 day enrollment period, you will need to contact Human Resources.
Who do I contact with questions?
• Contact Maxine Symmank at 569-5000, ext 8833 or Lacey Parmer with BancorpSouth Insurance at 936-564-0221 with any questions you may have.
⇒ Newly eligible employees must complete their online enrollment within 30 days. ⇒ At other times during the year, you may request changes (additions, voluntary cancellations, etc)
ONLY when there is a Family Status Change, and the proposed change is consistent with the Family Status Change event or during open enrollment of each year for a September 1st effective date.
Family Status Changes include: • Change in legal marital status (e.g., marriage or divorce); • Change in the number of dependents (e.g., birth, adoption or placement for adoption, death); • Change in employment status or residency of the employee, spouse or dependent that affects
eligibility; • Change in coverage under another employer’s plan.
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