Houston County Board of Education

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New Employee Benefits Orientation 2015 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 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

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Enroll on-line 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 benefits questions and assistance with website navigation/password resets: 866-671-0721

LOCAL BENEFITS ENROLLMENT

LOCAL BENEFITS ENROLLMENT1. 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:

Enter your existing password or click the reset password button

Ex: SNL9876

2. Login to Benefits Portal to begin enrollment

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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 2015 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 o Confirm current SHBP coverageo No SHBP changes are permitted until next Open Enrollment

ENROLLMENT INFORMATION

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

o Review Confirmation Statement for accuracy

o Print Confirmation Statement from ADP enrollment portal and keep 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. 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

ENROLLMENT INFORMATION

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 PLAN(SHBP)

bcbsga.com/SHBP

SHBP 2015 PLAN OPTIONS

HRA

• Gold, Silver, and Bronze

• No Copays

welcometouhc.com/shbp

HDHP

(High Deductible Health Plan)

• Lowest premiums

• Highest deductible and out-of-pocket expense

HMO

• Lower deductible

• Copays

• In-Network coverage only

HMO

• Lower deductible

• Copays

• In-Network coverage only

BENEFIT SUMMARYBCBS

GOLD HRABCBS

SILVER HRABCBS

BRONZE HRAUHC & BCBS

HMOUHC 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

BCBS HRA PLANS

• Three HRA plans with varying deductibles, coinsurance and HRA funding:

• Gold HRA

• Silver HRA

• Bronze HRA

• Medical services are subject to a deductible first, then coinsurance

• The HRA (Health Reimbursement Account) is board-funded and provides first dollar coverage which offsets your medical and pharmacy costs

• Unused HRA balances roll-over to future years if you remain in the HRA plan

• 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 HDHP PLAN

• All services including pharmacy subject to deductible

• No copays

• Once you meet your deductible, you pay coinsurance until you meet the out-of-pocket maximum

• Lowest premiums

• Highest early out-of-pocket costs for medical services

2015 WELLNESS PROGRAMHIGH DEDUCTIBLE HEALTH PLAN

(HDHP)

Before you can use your credits, you must meet this portion of your deductible:

You: $1,300

You + Child(ren): $2,600

You + Spouse: $2,600

Family: $2,600

RETAIL PHARMACY BENEFITSHMO and HRA Plans

Pharmacy Tier

BCBSGAGold, Silver, & Bronze HRAs

BCBSGA & UHCHMO’s

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

2015 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 Inventive Credits

Complete tasks between

January 15, 2015 and

December 15, 2015

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

YOU YOU + CHILD(REN)

YOU + SPOUSE

YOU + FAMILY

BCBS HRA GOLD $166.08 $300.38 $405.52 $539.84

BCBS HRA SILVER

$108.64 $202.74 $284.90 $379.00

BCBS HRA BRONZE $66.28 $130.74 $195.96 $260.40

BCBS HMO $130.74 $240.88 $333.06 $443.18

UHC HMO $181.32 $326.86 $439.26 $584.80

UHC HDHP $53.02 $108.74 $169.84 $225.56

MEDICAL MONTHLY PREMIUMS

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

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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 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 – new!

• 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

• Health Care FSA participants may carry forward up to $500 of unused funds 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

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

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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

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 $17.82 $28.90

Employee + Spouse

$41.15 $63.49

Employee + Child(ren)

$46.98 $71.98

Family $77.95 $114.25

HCBE contributes an additional $5 per month toward premium

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

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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)

• 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 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

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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

• 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 really about $ 50 out of your pay

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

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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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1. Houston County Board of Education Benefits Service Center (BSC)

Benefits Enrollment Portal & Website Navigation Hours of Operation

8am - 6pm Mon - Thurs. 8am to 5pm Fri.866-671-0721

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

3. Houston County Board of Education Human Resources/Benefits Department

YOUR BENEFITS RESOURCES

THANK YOU

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