PowerPoint Presentation

Open Enrollment 2013-2014

For Full Time Employees and Families of J.O. Combs Unified School District

12

Medical Plan Dental Plan Vision Plan Short Term Disability Voluntary BenefitsWhich plans are affected by Open Enrollment?

23Medical BenefitsMedical/pharmacy benefits will be offered by Blue Cross Blue Shield of ArizonaNew ID cards will be mailed to all members for a October 1 effective date or 60 days following the first of the month when you are hiredThe provider network BSBSAZ Preferred PPO networkWill be referred to as the High PlanWill be referred to as the Low Plan

4District will pay 100% premium for Low Plan for all eligible employees. There is the option to by up to the High Plan coverage which includes out-of-network benefits. There is a 3.5% increase to this plan.

The Plan/PPO Network does not require the selection of a Primary Care Physician (PCP) nor are referrals required to receive medical services.

Accident CoverageCoverage is available for you, your spouse, and child(ren)Coverage lasts your life for any accidents that occurs outside of workPortableHelps with out of pocket expenses to your medical providerSome benefits under this plan include:Ambulance- you get $90.00Dislocate a finger $90.00Tear a tendon or ligament $465.00Torn Knee Cartilage $185.00Fracture a hand/ foot/ or wrists $465.00Up to $100 back each year just for visiting your doctorNew - Must schedule appointment with the call center

5

Critical Illness With Cancer CoverageCoverage is available for you, your spouse, and child(ren)Coverage lasts your life PortableHelps with major out of pocket expenses to your medical providerCovered conditions upon diagnosis:Heart attack, stroke, renal kidney failure, blindness, Lou Gehrigs Disease, major organ transplant, paralysis of two or more limbs, and invasive cancerPartial benefit for coronary bypass surgery and carcinoma in situ$100 back each year just for visiting your doctorNew - Must schedule appointment with the call center

6

7Delta Dental of ArizonaVoluntary PlanBasic & Preventive services provided at no chargeNo more wait periods for Basic, Major, and Ortho Services Pays 70% of restorative & extractionsPays 50% for Major servicesAnnual Deductible: $50/Person, $150/FamilyAnnual Maximum Benefit $1,000 per covered person Orthodontic Benefit pays 50% with a $1,000 maximum (separate from Annual Maximum Benefit)

8Delta Vision-Voluntary Plan Features of EyeMed BenefitsAn Increase of 7.5% this year rates are in your packetExams - $10 Co-pay In-NetworkMaterials (Frames and Lenses) - $10 Co-pay In-Network Standard Spectacle Lenses - $75 Co-pay Premium lenses - 80% of charge less $120 allowance, plus $75 Co-payFrames Up to $120 allowance plus 20% discountContacts once every 12 months; $80 allowanceExam & Lenses or Contacts once every 12 monthsPlease read enclosed benefit document for more details

9Union Security Short Term DisabilityType of CoverageNon-Occupational, Employee paid, includes maternity benefit

Max Benefit Percent Up to 66 2/3% of base pay up to $5,000/mo.Elimination PeriodAccident/Sickness 14/14 Day

Benefit Period 6 Months

Cost for this year has increased 5% see new rates in your packet

10Section 125 Pre-tax DeductionsYour Medical and Dental premiums are taken on a pre-tax basisLowers your taxable incomeMay lower your taxes

Elections cannot be changed during the plan year, unless you experience a qualified change.

11Flexible Benefit PlanMedical & Dependent Care ReimbursementSet money aside for qualified expenses pre-taxElections are made for the entire year and cannot be changed, except with a qualifying eventBenefits must be used during the plan yearMay lower your taxes

11This is the plan that allows you to pay certain expenses with pre-tax dollars.

You save taxes - more take home income left for you.

The Diocese pay expenses of administering this for you.12Arizona State Retirement SystemThe employee contributes 11.54% of income to the plan.District matches employee contribution.You must contribute 5 yrs. to become vested. Plan includes Long Term Disability benefits after 6 months of disability.

12

The average employee saved $300 last year and every year going forward.13 403(B)/457 Retirement/SavingsFive vendors to choose fromINGSecurity BenefitsHartford MetLifeValicTax deferred annuityEmployee contributions only

13As an employee in a "not for profit" organization you have a real advantage over those of us in the corporate world - make sure you understand and take advantage of this benefit.Legal CoverageCoverage is available for you, your spouse, child(ren), your parents, and your spouses parentsPortable3 types of service categories:Free - initial consultations with a plan attorney, document reviews, simple wills, and moreFlat rate - name change, traffic ticket, will with a minor trust, plus much moreDiscounted - anything that is not free or at a flat rate is discounted 25%New - Must schedule appointment with the call center

14

15Basic Life and AD&D Insurance100% paid by the School District1 times salary to $50,000AD & D doubles death benefit

Universal Life InsuranceCoverage is available for you, your spouse, and child(ren)Policy lasts to age 100Cash value account- guaranteed at 4%PortableLong term care is built into your policyCan use long term care for nursing home, home health care, and adult day careWill provide a long term care benefit to you for 50 months and it will not deduct from your life insurance amount that you have assigned to your beneficiaryNew - Must schedule appointment with the call center

16

17Benefit Election FormLast NameFirst NameWaive All InsuranceDepartmentPosition21 Pay Periods Effective July 1, 2012BCBS of AZAnnual CostPer Pay PeriodDENTAL PLANAnnual CostPer Pay PeriodC $30 PlanLow OptionEmployee Only00Employee Only391.218.63Employee + 1$4,229.52$201.41Employee + Spouse$657.60$31.31Employee + Family$7,053.12$316.57Employee + Child(ren)$853.20$40.63B $15 PlanEmployee + Family$1,267.68$60.37Employee Only$1,105.44$52.64Employee + 1$6,440.40$306.69 Employee + Family$10,008.96$476.62DELTA EYEMEDAnnual CostPer Pay PeriodEmployee Only$62.28$2.97Employee+ Spouse$126.48$6.02Employee + Child(ren)$121.44$5.78Employee + Family$189.96$9.0518 Pay periods beginning with the first pay in September and an October 1st effective date** Effective July 1, 2012Voluntary InsuranceShort Term Disability**Transamerica AccidentCritical IllnessUniversal LifeTerm LifeLegal Access Insurance21 Pay Periods Effective July 1, 2012Medical Reimbursement Plan ($2,500 annual maximum)Dependent Care Reimbursement Plan ($5,000 annual maximum or $2,500 if married and filing separately) TOTAL EMPLOYEE PAID INSURANCE PREMIUMI understand that I may not change my election until the beginning of the next plan year - July 1, 2012, unless I have a qualified life changing event.Employee Signature authorizing the electionsDateEmployeeModelABC ElementaryTeacherWAIVEModel Employee5/17/2013PLS CANCEL

Next StepDetermine which Health Insurance Plans fits your needs.Low Plan at no cost to the employeeHigh Plan at a cost to the employee (please review insurance rate in your packet).

18

Next StepDo you want to participate in any of the following voluntary benefits products?Accident CoverageCritical Illness with Cancer CoverageLegal CoverageUniversal Life Insurance

You must schedule an appointment with a benefits counselor at the call center for the above products

Representatives are availableMonday Friday7:00 am to 4:00 pm PDT1-800-229-3642

20Final StepReview your personal optionsTURN IN BENEFIT ELECTION FORMQuestions contact Human Resources at 480-987-5305Contact the Call Center for additional voluntary benefits

Please Remember, every employee is ACCOUNTABLE to complete their paperwork; otherwise, you run the risk of not securing insurance for the new school year (2013-2014). All paperwork must be turned in by Wednesday July 31st - NO EXCEPTIONS!!