houston county board of education new employee benefits orientation 2014 benefits

Houston County Board of Education

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New Employee Benefits Orientation 2014 Benefits

Houston County Board of Education Benefits Orientation 2014 2

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


• Benefits Plan Year = Calendar Year (January – December)

• New Employee benefits

• Begin the 1st of the month following a full 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 – Enroll Online

To elect Dental, Life, Disability and Flexible Spending Accounts, access the Benefits Center:

o Go to www.hcbe.neto Click on the Benefits link on the left hand side of the homepage. Then click on the

“Employee Benefits” link and select “Employee Benefits Center” to enter the enrollment portal

o Click “First Time User,” enter your SSN and Date of Birth and create a passwordo Return to login screen

o User ID: Your initials (first + middle + last initial) and last four digits of your Social Security Number. If no middle initial, use your first + last initial

o Password: Enter the password you created (case sensitive)

Call the Benefits Service Center (BSC) for assistance with website navigation and password resets at 866-671-0721.

ENROLLMENT INFORMATION

http://www.hcbe.net/

Houston County Board of Education Benefits Orientation 2013

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o Deadline to enroll is midnight on New-Hire meeting day

o Review Confirmation Statement for accuracy

o Retain copy of SHBP Enrollment Form for your documentation

o No changes during the year unless Qualifying Event

ENROLLMENT DEADLINE


Before you enroll your dependents…

• Health/SHBP – Dependent children are eligible until age 26. Eligible 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


HCBE PAYS ALL OR PART• State Health Benefit Plan

• Dental

• Basic Life

• Sick Leave

• Long Term Disability

• Retirement

2014 BENEFITS PORTFOLIO

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THINGS YOU BUY• 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 PLANS(SHBP)

9Houston County Board of Education Benefits Orientation 2014


State Health Benefit Plan – o Review the 2014 Active Employee Decision Guideo Completed the SHBP Enrollment Form o Dependent documentation is required

o Transfers In o Confirm current SHBP coverageo No SHBP changes are permitted until next Open Enrollment


2014 Health Plan Options• Choose from three options:

– HRA Gold– HRA Silver– HRA Bronze

• Options have varying deductibles, coinsurance, out-of-pockets and HRA credits

• All are Health Reimbursement Accounts (HRA)• TRICARE Supplement is also available


How the HRA Medical Plans Work

• In-network preventive care is covered 100%• For pharmacy and office visits, you pay a copay • For tests, and hospitalization - you pay deductible and

coinsurance• The deductible is reduced by your HRA funds • Once the deductible is met, you pay % until the out-of-pocket

max is reached• Out-of-pocket max includes the deductible, does not include

pharmacy copays• The HRA is available for your deductible and pharmacy

expenses


2014 Health Plans Gold Plan Silver Plan Bronze Plan

Medical Benefits Network Provider Out-of-Network Network Provider Out-of-Network Network Provider Out-of-NetworkDeductible*

You $1,500 $3,000 $2,000 $4,000 $2,500 $5,000 You + Child(ren) or Spouse $2,250 $4,500 $3,000 $6,000 $3,750 $7,500 You + Family $3,000 $6,000 $4,000 $8,000 $5,000 $10,000

Plan Pays 85% 60%* 80% 60%* 75% 60%*ACA Preventive Care 100% Not covered 100% Not covered 100% Not coveredOut-of-Pocket Limit*

You $4,000 $8,000 $5,000 $10,000 $6,000 $12,000 You + Child(ren) or Spouse $6,000 $12,000 $7,500 $15,000 $9,000 $18,000 You + Family $8,000 $16,000 $10,000 $20,000 $12,000 $24,000

Base HRA Contribution You $400 $200 $100 You + Child(ren) or Spouse $600 $300 $150 You + Family $800 $400 $200

Covered Services Primary Care Physician or Specialist Office

100% coverage after $35 PCP Copay or $45 SPEC Co-pay

40% Co-Insurance after Deductible





Urgent Care 100% coverage after $35 Co-payment


100% coverage after $35 Co-payment


100% coverage after $35 Co-payment


Emergency Room 100% coverage after $150 co-payment; waived if admitted


100% coverage after $150 co-payment; waived if admitted


100% coverage after $150 co-payment; waived if admitted


Pharmacy Benefits Tier 1 (up to 31 day supply) **/*** $20 $20 $20

Tier 2 (up to 31 day supply) **/*** $50 $50 $50

Tier 3 (up to 31 day supply) **/*** $80 $80 $80* See ACA Glossary of Health Coverage and Medical Terms for definition **HRA dollars will be applicable for pharmacy co-payment ***Pharmacy co-payments are not subject to the Deductible or out-of-pocket maximum.This is a high level plan design summary.

All 3 plans have the following pharmacy benefits: Up to 31 day supply• Tier 1: $20 Co-pay Tier 2: $50 Co-pay Tier 3: $80 Co-pay

90 Day Supply for maintenance drugs from a mail order OR at participating 90 Day Retail Network Pharmacies• Tier 1: $50 Co-pay Tier 2: $125 Co-pay Tier 3: $200 Co-pay

90 Day Supply for maintenance drugs from a Retail Network Pharmacy which is not part of the 90 Day Retail Network Pharmacies• Tier 1: $60 Co-pay Tier 2: $150 Co-pay Tier 3: $240 Co-pay

• Pharmacy Co-payments are Not subject to the deductible or out-of-pocket maximums

SHBP Pharmacy Benefit

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The Benefits of a Health Reimbursement Account (HRA)

• HRA dollars reduce your health plan costs(ex: Deductibles, Pharmacy Expenses)

• Any unused HRA credits roll over for future health expenses

• HRA credits are applied when you enroll • Earn Bonus HRA credits by completing wellness tasks


2014 HRA Wellness Incentives

• Wellness incentives = Bonus HRA credits

• Earn $480 for member plus an additional $480 for covered spouse

• HRA Credits are applied once the wellness tasks are completed

• Complete the wellness tasks any time during the year


2014 Wellness Incentives

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What to DO What you EARN

1. Assess Your Health Healthways Well-Being Assessment® (WBA) Complete both and

earn$240

in HRA fundcontributions(WBA must be

completed prior to HRA fund distribution.)

2. Know Your NumbersBiometric screening. Submit results (body mass index, blood pressure, cholesterol, glucose). Screening completed at an SHBP sponsored screening event or by your physician or other providers identified by SHBP in published materials.

3. TAKE Action It’s your choice! Complete the coaching or online pathway or a combination of both.Coaching Pathway

Create your Well-Being Plan. Actively engage in telephonic coaching.Online Pathway

Create your Well-Being Plan.Record 5 online well-being activities using the same tracker in a month and earn $40 HRA funds. You can earn this for up to 6 months. Sample activities: track exercise five times, record daily steps five times, track food five times.

Earn up to$240

in HRA fundcontributions(WBA must be

completed prior to HRA fund distribution.)


2014 Health Plan PremiumsCoverage Level Gold

Monthly Employee Cost

SilverMonthly

Employee Cost

BronzeMonthly

Employee Cost

You $166.08 $108.64 $66.28

You + Child(ren) $300.38 $202.74 $130.74

You + Spouse $405.52 $284.90 $195.96

You + Family $539.84 $379.00 $260.40

Note: Add $80 for tobacco surcharge

Coverage Level TriCare Supplement Rate

You $60.50

You + Child(ren) or Spouse $119.50

You + Family $160.50

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

$ 596.20 per month $ 7,154.40 per year


Medical Plan - HCBE Contributions

Health Plan Questions?

Review the Health Plan Decision Guide

Blue Cross Blue Shield: 855-641-4862www.bcbsga.com/shbp

Healthways: 888-616-6411

www.bewellshbp.com

Express Scripts: 877-841-5227www.dch.georgia.gov/shbp


http://www.bcbsga.com/shbp

http://www.bewellshbp.com/

http://www.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



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 FSA Plan

• Health Care FSA (medical/dental/vision costs)

• Dependent Care FSA (day care, ASP fees)

• Pre-tax contributions

• Monthly contributions help you budget for larger expenses

• Up to $ 500 can rollover to the new plan year

• 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 ACCOUNTHealth 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 Annual Health Care FSA funds are available when benefits start

• No need to wait until the funds are in the account for reimbursement

Annual HealthCare FSA max is $ 2,500


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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 Dependent Care FSA max is $ 5,000


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

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http://www.optumhealthfinancial.com/

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”)


http://www.metlife.com/dental

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


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

more

100% 100%

Type B – Fillings, simple extractions, perio. maintenance, space maintainers, sealants for

children, and more

60% 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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Coverage LevelMonthly Payroll

Deduction

Low Plan

Monthly Payroll Deduction

High PlanEmployee Only $14.34 $23.73

Employee + Spouse

$34.11 $53.04

Employee + Child(ren)

$39.05 $60.24

Family $65.30 $96.06


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LIFE INSURANCEING 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)


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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

approx 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

• Use Sick Leave wisely

• There are 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 DISABILITYING 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 $2.29

14 days $1.25

30 days $1.10

45 days $0.96

60 days $0.86

OPTIONS AND RATES SUMMARY

SHORT TERM DISABILITY


• Elect in $100 increments up to 66 2/3% of your salary

• The enrollment portal reflects all STD options and premiums

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LONG TERM DISABILITYING LTD PLAN

• The 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


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 – 13.15% of pay

• For account information, annual statements, etc. go to: www.trsga.com


http://www.trsga.com/

TEACHER’S RETIREMENT SYSTEM

• 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


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 really about $ 75 out of your pay

Contact John Lamberth, our local VALIC advisor at 478-319-7832 for more info.


RETIREMENT PLANS

Houston County Board of Education retirees with PSERS & TRS can keep

health, dental and life coverage into retirement.



Houston County Board of Education Human Resources/Benefits Department

Phone: 478-988-6249, [email protected]

Houston County Board of Education Benefits Service Center (BSC)Benefits Enrollment Portal

Hours of Operation8am - 6pm Mon - Thurs. 8am to 5pm Fri.

866-671-0721

Access the enrollment portal during the year to review your current benefits

YOUR BENEFITS RESOURCES

mailto:[email protected]

THANK YOU


houston county board of education new employee benefits orientation 2014 benefits

Documents

local benefits

benefits resources

benefits plan year

employee benefits center

employee benefits link

orientation slide

benefits portfolio things

enrollment portal o