2021 Benefits Guide - Wichita USD 259 · To learn more, contact Meritain Health at 1-800-641-3224...

2021 Benefits Guidefor USD 259 Employees

Have questions? Email us at [email protected]

OPEN ENROLLMENT FOR 2021 PLAN YEAR October 30 – November 13, 2020

IMPORTANT BENEFIT INFORMATION

FOR All CURRENT BENEFITTED EMPLOYEES (including New Hires)

Current 2020 benefit elections will automatically carry over for the 2021 plan year unless you wish to make changes.

The only exception is flexible spending accounts (FSA), which require a new enrollment each calendar year.

2021 Employee Benefits Guide 2

It’s important for you to understand how your benefits work. The information and tools in thisbrochure are intended to help you make the best benefit choices for you and your family.

What’s New For 2021….……..…………………………. 3Dependent Coverage….……….……………………….. 4Dependent Verifications…..……….…………….........4 Medical Plan Benefits …….…….………………….... 5Maternity Management Program ……………….… 6Mental Health Coverage …………………………….… 6Teladoc…………………………….…………………………… 7Prescription Drug Benefits……..……………………… 8Medical Plans At A Glance…….………………………..9Medical Plan Premiums….…..…….………………….10Wellness Discount..………..….……………………….. 11Additional Employee Paid Premiums…….……...12Cash Option ...……………….….…….………………….12Dental Plans At A Glance .…….……..……………….13Vision Benefits….....………..………………….…………14Flexible Spending Accounts..…..….…………………16Life Insurance..………………….…..……………………..17KPERS Retirement Benefits……………………………18Voluntary Retirement Plans..…...……………….… 19Additional WPS Benefits..…..…..…………………….20Medicare Education Program .……...………………21Employee Assistance Program ..…...………………22bswift Online Enrollment Portal.….….…………… 23How to Login..……….……..……………………………… 23Forgot Password..………...……………………………… 23How to Enroll…………..……………………………………23Benefit Confirmation Statements…..….………….27After You Enroll – ID Cards..………..………………..27Wellness Verifications.….…….….……….……………28Uploading Documents……....…….……………………28Benefit Changes During the Year….…....…………29Life Events ……………………………………………………29Useful Contacts……………..……………..………………30Glossary of Medical Terms…….…..…………………31

Important Information

New HiresBenefit elections made during your New Hire Enrollment were for the current 2020 plan year. Ifyou wish to make changes, or enroll in flexible spending accounts for the 2021 plan year, you willneed to complete open enrollment between October 30 – November 13.

If you have questions about your benefits after reading this guide and visiting the online benefitsportal at www.usd259.bswift.com please contact Employee Benefits at 316-973-4581 or by emailat [email protected]

Tiered Monthly PremiumsThere are four coverage levels available with each plan:• Employee only• Employee + spouse• Employee + child(ren) same cost for one child or multiple children• Family coverage this would include spouse and child(ren)

Annual Open Enrollment for your 2021 Benefits will be

October 30 – November 13, 2020The 2021 benefit year is 01/01/2021 - 12/31/2021

Current EmployeesOpen Enrollment is your once-a-year opportunity to enroll in or change your benefits for theupcoming calendar year. Please take the time to understand your benefit options. If you wish tomake changes, or enroll in flexible spending accounts, you will need to complete openenrollment.

http://www.usd259.bswift.com/

Your 2020 election will carry over to 2021 unless you make changes by November 13, 2020.

Dental Plan Benefits Your 2020 election will carry over to 2021 unless you make changes by November 13, 2020.

Flexible Spending Accounts You will not be able to contribute to an FSA for 2021.

Cash Option Your 2020 election will carry over to 2021 unless you make changes by November 13, 2020.

Vision Plan Benefits Your 2020 election will carry over to 2021 unless you make changes by November 13, 2020.

Medical Plan Benefits

What’s New For 2021 Current 2020 benefit elections will automatically carry over for the 2021 plan year unless you wish to make changes .

The only exception is Flexible Spending Account (FSA) elections, which require a new enrollment each calendar year. All changes must be made by November 13, 2020.

Healthcare Flexible Spending Account annual maximum is increasing to $2,750 with up to $550 carryover limit.

Current 2020 cash option enrollees remaining in cash option for 2021 will not have to upload proof of coverage.

The wellness discount will be automatically applied for all employees and spouses enrolled in the health plan for the 2021 plan year only.

New insurance ID cards will only be mailed to those making changes.

My Benefit Advisor- Medicare Education

Failure to make changes during open enrollment will result in the following:



Who Can I Cover?You may elect employee only coverage or you may elect to coveryour eligible dependents under the district’s medical, dental orvision plans.

Eligible dependents include the following:

Your legal spouse.

Your children under age 26 by birth, adoption, or legal guardianship, including eligible children of your spouse.

Your disabled child(ren) age 26 and over, including eligible disabled child(ren) of your spouse upon approval by Meritain.

Children up to age 26 can stay on the USD 259 health plan, regardless of student or marital status.

You can add or drop dependents during your enrollment period orwithin 31 days of a qualifying life event. (See page 29 – BenefitChanges During the Year)

IMPORTANT: Dependents must be added to or droppedfrom the Health Plan within 31 days of a life event (birth,marriage or divorce) otherwise you would not be able tomake benefit changes until the next open enrollment period.

Dependent Verification RequirementsDependent eligibility documentation is required for any new dependentsadded to the medical, dental or vision plans. This information must besubmitted within 31 days of your hire date or qualifying life event date orby the close of open enrollment.

Copies of social security cards are required for all dependents. IndividualTaxpayer Identification Numbers (ITIN) will be accepted.

You will be able to upload your documents during online enrollment byclicking on “profile” then “employee file.” (See page 28 – UploadingDocuments)

IMPORTANT: Your dependents will not be added to the plan without uploading the required dependent documentation before the end of your enrollment period.

Dependent Being Added Document(s) Needed

Spouse Copy of Legal Marriage Certificate or notarizedcommon law affidavit AND copy of Social Security Card

Dependent (0–26 yrs.) Copy of Birth Certificate (with parental information), orhospital birth confirmation letter AND copy of SocialSecurity Card

Adopted Children Legal adoption or placement for adoption paperworkAND a copy of Social Security Card

Legal Guardianship(Court Appointed)

Legal guardianship paperwork AND copy of SocialSecurity Card

2

Newborn CoverageNewborns must be enrolled within 31 days after the date of birth.You must go online to www.usd259.bswift.com to enroll yournewborn as a dependent onto your medical plan and providedependent verification documents. Failure to enroll in the planwithin the 31 days period and provide dependent verificationdocuments will result in no coverage under the plan.(See page 29- Benefit Changes During the Year)

!

!

Need a New Social Security Card?https://www.ssa.gov/ssnumber

1-800-772-1213

Need a New BirthCertificate?Access www.vitalchek.com anytime

orcall 1-877-305-8315

Dependent Coverage

http://www.usd259.bswift.com/https://www.ssa.gov/ssnumberhttp://www.vitalchek.com/


Medical Plan Benefits

Free Preventive ServicesAll three (3) of the medical plan options include the following free annualpreventive care services per calendar year at in-network providers:• Annual physical, including lab work if completed same day• Preventive colonoscopy or fecal testing• Free Adult Vaccines (CDC Recommended) • One preventive annual Mammogram• One annual PAP test & corresponding office visit• One annual PSA test and corresponding office visit• Well-Baby / child immunizations up to age 19

.

When you enroll with Meritain Health, it’s important for you tounderstand how your health plan works. This way, you can make thechanges you want in your health and in your life.

Get the support you need for a healthy balance.Chances are, you try every day to keep a healthy balance in your life.Time can get away from you, or you might put other details first. Youcan think of your healthcare benefits as your resource to protect yourbody, mind, and spirit.

All medical plan options are administered by Meritain Health and areon the Aetna Wesley Preferred Provider Network.

The preventive screenings can be done anytime during the calendar year and do not have to be spaced out 12 months.!

To ensure the highest benefit reimbursement, we recommend you verify your provider is in network prior to the services being rendered.

To verify whether or not a doctor or healthcare facility is in-network, call 1 (800) 343-3140 or visit http://www.meritain.com. Select Tools & Resources/Aetna/ Kansas & W Missouri Special Network- Wesley Preferred Network.

Preferred Providers

CopaysAll three (3) of the medical plan options have the same copayamounts outlined below.

Office Visit Copay (in-network):Primary Care Specialist

$ 30$ 50

Behavioral Health $ 30__________Other Copays(in-network):

TeladocTake Care / Little Clinic (Convenience Clinic)UrgentCare

$ 15$ 30$ 50

ER $ 100 Copay + Deductible & Co-insurance__

__ _______

__ __ _____

http://www.meritain.com/


24x7 Nurse LineCall anytime, day or night

What do you do when you’re not sure what to do?

When you don’t know where to go for care

When you don’t know if it’s really an emergency.

When it’s 4:00 a.m. and your child can’t stop coughing.

When you’ve taken a tumble and your ankle is swelling.

You can call the 24x7 Nurse Line at 1-866-726-6529 to talk to aregistered nurse who will listen and give you professional, seasonedadvice, making sure you get care in the right place at the right time.

Maternity Management ProgramAvailable at no cost to you as part of your medical plan enrollment!

Are you, your spouse, or dependent child pregnant? If so, you cantake advantage of one-to-one support from a registered nurse who will help you achieve a healthy pregnancy.Through the Maternity Management program, you, your spouse, or dependent child will be able to speak to a nurse over the phone on a regular basis. The nurse will provide educational information anddiscuss ways to minimize the risks to you and your baby.

The nurse, who is experienced in all aspects of prenatal care, will also help you manage your diet and exercise and discuss other ways to stay healthy throughout your pregnancy. Even if you aren’t a first-time mom, the nurse can help you through the changes that comewith each unique pregnancy.

To learn more, contact Meritain Health at 1-800-641-3224 and dial option 3.

Mental Health CoverageIf you are enrolled in any of the medical plans, Meritain Health providescoverage for mental health and substance abuse. They are here withthe help you need to work toward recovery, so you can get back tobeing your best.

Visit www.meritain.com and search “emotional health” to learn aboutvarious behavioral health conditions like depression and anxiety.

Not sure where to look for a mental health professional in your area?

Contact Meritain Health at 1-866-760-9568 or visit their website atwww.meritain.com to find:

• Psychiatrists• Psychologists• Clinical social workers• Clinical counselors• Certified addiction counselors

http://www.meritain.com/http://www.meritain.com/


Common conditions treated

• Allergies/Bronchitis

• Cold/Flu

• Rash/Skin Infections

• Sinus Infections

• Stomach Ache/Diarrhea

• Many other conditions

Benefits of Teladoc

Saves time and money

Quicker Recovery from illness

Convenient prescriptions

Choice of consultation method

Great health means peace of mind

• Headaches/Migraines

• Eye/Ear Infections

• Urinary Tract Infections

7

Teladoc is the on-demand healthcare solution that gives you the medical care you need, when youneed it. You can talk to a doctor anytime, anywhere about non-emergent medical conditions. WithTeladoc, you can talk to a doctor 24/7/365 by phone, online video, or mobile app.

When you use Teladoc, your medical questions will be answered by a highly qualified doctor.

Teladoc doctors are: Experienced—with an average of over 10–15 years in practice. Progressive—using the latest technology to provide excellent care. U.S. board certified and state licensed. Specially trained in telemedicine.

Teladoc is a great option for medical advice and care during weekends, holidays or after businesshours, when general practitioners don’t typically schedule appointments. Teladoc is also perfectfor those times when you are at home, traveling or do not want to take time off work to see adoctor.

Contact a Teladoc physician at 1-800-362-2667or by visiting www.MyDrConsult.com.


Prescription Drug Benefit Your prescription drug benefit is included with your medical planenrollment and is administered by MaxorPlus, a pharmacy benefitsmanager. The Prescription Drug Plan is designed to help keepmedications affordable for you and your family. When you enroll inmedical coverage, you will receive a separate MaxorPlus ID card andinformation on locating a pharmacy near you.

Most major pharmacy chains accept MaxorPlus. Present yourMaxorPlus ID card when filling prescriptions. You can save money onmedications you take on a long-term basis by using mail order withMaxor. With Maxor mail order, you can buy up to a 93-day supply at areduced copayment when compared to retail pharmacies.

Free MedicationsFormulary generic blood pressure, cholesterol, and select diabeticmedications and supplies are free at any in-network pharmacy. Pleasetalk to your doctor about prescribing a generic so you can save money.

We’re Here to HelpIf you have questions, please call MaxorPlus customer service at 1-800- 687-0707. Representatives are available to assist Monday through Friday7AM-9PM, Saturday 8AM-6PM, and Sunday 9AM-5PM CST (Central Standard Time). In the event of an emergency, MaxorPlus has staff readilyavailable 24/7 to assist you with your prescription benefit questions.

If you or your physician request a brand name drug when ageneric equivalent exists and you choose to fill the brand drug,you will be responsible to pay the brand copay plus thedifference in cost between the brand and generic.

*This is not intended to be a full explanation of benefits, limitations, or exclusions.

Pharmacy Network• COSTCO PHARMACY• CVS PHARMACY• DILLONS PHARMACY• HY-VEE PHARMACY• MEDICINE SHOPPE

Plus many more participating pharmacies.

Drug Retail Copay (31 Day Supply)

Generic

Preferred Brand

Non-Preferred Brand

Specialty

$10$30$55

10% up to $100

Drug Mail Order Copay (93 Day Supply)

Generic

Preferred Brand

Non-Preferred Brand

Specialty

$20$60$110N/A

“Pay the Difference” Provision

• PRICE CHOPPER PHARMACY• SAM'S CLUB PHARMACY• SHOPKO PHARMACY• WALGREENS• WAL-MART PHARMACY


Medical Plans At-A-Glance

Medical Deductible(Ded)

Out-of-Pocket Maximum (Including Deductible, Copayments &Co-insurance)

Co-insurance

Base PlanIn-Network Out-Of-Network

Premium Option 1 PlanIn-Network Out-Of-Network

$1,500/Individual $3,000/Individual$3,000/Family $6,000/Family

$4,500/Individual $9,000/Individual$9,000/Family $18,000/Family

70% Plan Pays 50% Plan Pays

Premium Option 2 PlanIn-Network Out-Of-Network

$4,500/Individual$9,000/Family


70% Plan Pays



50% Plan Pays



70% Plan Pays



50% Plan Pays

Preventive Care 100%, Deductible Waived Not Covered 100%, Deductible Waived Not Covered 100%, Deductible Waived Not Covered

Teladoc $15Copay Not Covered $15Copay Not Covered $15Copay Not Covered

Physician Office Visits $30Copay Deduct then50% $30Copay Deduct then50% $30Copay Deduct then50%

Specialist Office Visits $50Copay Deduct then50% $50Copay Deduct then50% $50Copay Deduct then50%

Convenience Clinic $30Copay Not Covered $30Copay Not Covered $30Copay Not Covered

Urgent Care $50Copay $50Copay $50Copay

Emergency Room $100 Copay Plus In-Network Deduct then 30% $100 Copay Plus In-Network Deduct then 30% $100 Copay Plus In-Network Deduct then 30%

Ambulance In-Network Deduct then 30% In-Network Deduct then 30% In-Network Deduct then 30%

TestingDiagnostic Test (x-ray, blood work)

Imaging(CT/PET scans, MRI)

$30Copay

$100 Copay plus Deduct then30%

Deduct then50%

Deduct then50%

$30Copay


Deduct then50%

Deduct then50%

$30Copay


Deduct then50%

Deduct then50%

Outpatient Surgery Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Hospital Inpatient Care Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Mental and Behavioral Health,SubstanceAbuseOutpatient Services $30Copay Deduct then50% $30Copay Deduct then50% $30Copay Deduct then50%

Inpatient Services Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Maternity CarePrenatal visits No Charge Deduct then50% No Charge Deduct then50% No Charge Deduct then50%Childbirth/delivery- global professional fees

$50Copay Deduct then50% $50Copay Deduct then50% $50Copay Deduct then50%

Childbirth/delivery facility fees Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Home HealthCare Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Skilled NursingCare Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Hospice Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Rehabilitation Services Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Outpatient Physical Therapy Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

Durable Medical Equipment Deduct then30% Deduct then50% Deduct then30% Deduct then50% Deduct then30% Deduct then50%

This guide is a summary of the employee benefits provided by Wichita Public Schools. If there is a discrepancy between the benefits illustrated in this guide and the official plan document, the plan document will always govern.


Medical Plan Premiums -WITH Wellness Discount

Base Plan

Premium Option 1 Plan

Premium Option 2 Plan

Annual premium is divided by your total number of paychecks received each year. Your actual total premium can vary based on your specific paycalendar and any applicable additional premiums as outlined on the following pages.

Employee Only $0 $0 $0 $0

Employee + Spouse $0 $0 $0 $0

Employee + Child(ren) $0 $0 $0 $0

Employee + Family $0 $0 $0 $0

Annually MonthlyBi-weekly 20 pay

Part-time premium may apply Bi-weekly 26 pays

Employee Only $666.24 $55.52 $33.32 $25.62

Employee + Spouse $1,398.96 $116.58 $69.95 $53.80

Employee + Child(ren) $1,265.64 $105.47 $63.29 $48.68

Employee + Family $2,065.20 $172.10 $103.26 $79.42

Employee Only $464.52 $38.71 $23.23 $17.86

Employee + Spouse $975.24 $81.27 $48.76 $37.50

Employee + Child(ren) $882.48 $73.54 $44.12 $33.94

Employee + Family $1,440.00 $120.00 $72.00 $55.38






Wellness Premium DiscountAll covered employees and spouses will automatically receive the wellness discount for the 2021 plan year.

No wellness verification required for the 2021 plan year. The wellness discount will be automatically applied for all employees and spouses enrolledin the health plan for the 2021 plan year only.

Covered employees and spouses will need to earn 100 wellness credits each for the 2022 plan year. Employees and spouses can each earn a $1,200annual wellness discount by completing 100 wellness points.

Credits earned between September 1, 2020 – August 31, 2021 will apply towards the 2022 premium discount. All 100 wellness points are subjectto verification and approval before the premium discount is applied.

Wellness Credit Verifications for 2022 Plan YearPreventive service claims that are filed through the district health plan are loaded throughout the year into bswift.

For services that still require verification, please ensure that each document clearly states the patients:• Name• Date of Service• Screening performed• Employee ID number

Examples of accepted documentation include:• Itemized receipts• Benefit Statements• Billing Statements• Printout from Patient Portal• Written verification from provider• Optional Wellness Form completed & signed by healthcare

provider (available on district website or bswift portal)

REMINDER: NO VERIFICATIONS REQUIRED FOR 2021 PLAN YEAR!


Additional Employee Paid Premiums

Working Spouse PremiumThe working spouse premium is in addition to the premium for yourselected medical plan. If your spouse has an employer who offers agroup health insurance, then you would select “YES” to pay theworking spouse premium.

If your spouse is not offered insurance, is self employed, unemployedor works for USD 259, you would select “NO” to the working spousepremium.

The working spouse premium will only apply if your spouse is enrolled in your medical plan.

Part Time PremiumPermanent employees who are employed in a primary benefitedposition with an FTE of 0.75 to 0.99 will be charged the part timepremium in addition to the premium for the selected medical plan.Paraeducators are considered part-time employees.

Bi-weekly 26 pays

Bi-weekly 20 pays Monthly Annually

Working Spouse $92.31 $120.00 $200.00 $2,400.00

Bi-weekly 26 pays


Part TimePremium $18.47 $24.00 $40.00 $480.00

Tobacco PremiumThe additional tobacco premium applies to both the employee andspouse if enrolled under one of the medical plans. The tobacco premiumapplies to those who have used tobacco or nicotine products four or moretimes per week within the last six months. Tobacco and/or nicotineproducts include: Cigarettes, electronic cigarettes, pipes, or any form ofchewing tobacco. By selecting “No” to tobacco use when enrolling youand/or your spouse will be given 25 wellness points for being a non-tobacco user and may be subject to audit & confirmation testing.

Once you have been tobacco free for 6 months, you can enroll as a non-tobacco user thefollowing Open Enrollment period.

Bi-weekly 26 pays


Employee $46.15 $60.00 $100.00 $1,200.00

Spouse $46.15 $60.00 $100.00 $1,200.00

Employee + Spouse $92.30 $120.00 $200.00 $2,400.00

Cash Option – Declining Medical CoverageEligible employees may waive coverage during enrollment and select the$1,200 annual cash option benefit in lieu of the Board provided groupmedical plan. The $1,200 will be divided by your total number of paychecks for the year and will be reflected on each pay check. (See chartbelow).If you are currently enrolled in the cash option for 2020 and do not wish to make any changes for 2021, a copy of your insurance card is not required.

New employees or those making changes during Open Enrollment towaive coverage and enroll in the cash option must go online andcomplete the benefit enrollment process and upload a copy of yourmedical insurance card or military ID to receive the cash option benefit.

You will not receive the cash option payment until proof has beenprovided even if you are covered by another USD 259 employee.

Bi-weekly 26 pays


Cash Option ($46.15) ($60.00) ($100.00) ($1,200.00)

The premiums listed below are in addition to the premium for your selected medical plan.

Parenthesis around dollar amounts indicate a credit or payment to the employee.

!


Dental Plans At-A-Glance

DiagnosticOral evaluations, Bitewing x-rays

Full mouth or panoramic x-rays

PPO ProviderBasePlan

Premier Provider Non-Participating PPO Provider

100%

Buy-Up PlanPremier Provider

70%

Non-Participating60%100% 70% 60%

PreventiveCleanings, Fluoride, Space

Maintainers,Sealants

100% 70% 60% 100% 70% 60%

BasicOne emergency exam, Oral surgery,

Fillings, Endodontics, Periodontics

0% 0% 0% 80% 70% 50%

MajorBridges, Dentures, Repairs, Implants

0% 0% 0% 50% 50% 40%

Base Plan Premiums Annually Monthly Bi-weekly 20 pays Bi-weekly 26 pays

Buy-Up Plan PremiumsAnnually Monthly Bi-weekly 20 pays Bi-weekly 26 pays





Employee Only $189.84 $15.82 $9.49 $7.30

Employee + Spouse $398.64 $33.22 $19.93 $15.33


Employee + Family $588.48 $49.04 $29.42 $22.63

Great oral health is an essential part of a healthy lifestyle. Oral health is often overlooked, but regular oral care can help prevent common diseases andgreatly influence your overall quality of life. We offer two dental insurance plans through Delta Dental to help you maximize your oral health.

Base Plan - Covers Preventive Services Only. Basic, Major Services, Orthodontia and Implant Coverage are NOT included.Buy-Up Plan – Basic & Major Services are included. Orthodontia Coverage is NOT included.

There is Limited Lifetime Implant Coverage of $2,500 per person.


Vision BenefitsEyeMed Base Vision Plan (Eye Exam Only)





Annually Monthly Bi-weekly 20 pays Bi-weekly 26 pays

Annual premium is divided by your total number of paychecks received each year. Your actual total premium can varybased on your specific pay calendar

You must enroll in the Base orBuy Up Vision Plan for annualEye Exams to be covered

Present your EyeMed card forannual eye exams

!


EyeMed Voluntary Buy-Up Vision Plan (Exam + Hardware)

Employee Only $49.68 $4.14 $2.49 $1.91

Employee + Spouse $94.44 $7.87 $4.73 $3.64


Employee + Family $146.16 $12.18 $7.31 $5.63

Annually Monthly Bi-weekly 20 pays Bi-weekly 26 pays

Annual premium is divided by your total number of paychecks received each year. Your actual total premium can varybased on your specific pay calendar


Flexible Spending Accounts We partner with ASI to pay for out-of-pocket medical, prescription, dental, vision, and dependent day care expenses with pre-tax dollars throughFlexible Spending Accounts (FSA). You must enroll/re-enroll annually during open enrollment to participate for the following calendar year.

Contributions to your FSA come out of your paycheck before any taxes are taken out. This means that you don’t pay federal income tax, socialsecurity taxes, or state and local income taxes on the portion of your paycheck you contribute to your FSA. You should contribute the amount ofmoney you expect to pay out of pocket for eligible expenses for the plan period.

Sample Savings Bob and Jane’s combined gross income is $30,000. They have two children and file their income taxes jointly. Since Bob and Jane expect to spend $2,000 in adult orthodontia and $3,300 for day care next plan year, they decide to direct a total of $5,000 into their FSAaccount.

*Assumes standard deductions and four exemptions.** Varies, assume 3 percent.

The example is for illustrative purposes only. Every situation varies and we recommend that you consult a tax advisor for all taxadvice.

Health Care FSAThe Health Care FSA provides you an opportunity to use pre-tax dollars to pay for out-of-pocket healthcare expenses for you, your spouse and anyIRS covered dependents (even if they are not enrolled in the district health plan). For a complete list of eligible expenses go to www.asiflex.com orcontact ASI at 1-800-659-3035.

Maximum Annual Amount The maximum annual amount you can contribute to the Health Care FSA is $2,750 per calendar year. You can use these funds for eligible expensesyou incur throughout the calendar year. Your full annual election is available to you on the effective date of your plan. Up to $550 of unusedcontributions can be rolled over into the next calendar year. Any balance over $550 with claims not submitted by the filing deadline will be forfeitedto the plan. Claims filed for services prior to your benefit effective date are not eligible for reimbursement.

Dependent Day Care FSAThe Dependent Day Care FSA is used to reimburse daycare expenses related to care of eligible dependents while you and your spouse work. Eligibleexpenses include daycare, summer day camps (overnight camps are NOT eligible), babysitting, before and after school care (under age 13), nurseryschool, and pre-kindergarten expenses, which are primarily for the protection and well-being of the dependent.

Maximum Annual Amount You can set aside up to $5,000 per household, per calendar year ($2,500 if married and filing separate income tax returns). Any balance not submittedby the filing deadline will be forfeited to the plan.

Participants can order a debit card for the Health Care Flexible Spending

Account by completing the “FSA Debit Card Application” located under Employee Benefits on the

USD259 website or in the library onthe bswift benefit portal.

Without FSAs With FSAs

Grossincome $30,000 $30,000FSAcontributions 0 -5,000Grossincome 30,000 25,000Estimated taxesFederal -2,550* -1,776*State -900** -750**FICA -2,295 -1,913After-tax earnings 24,255 20,314

Eligible out-of-pocketMedical & dependent care expenses -5,000 0Remaining spendable income $19,255 $20,561Spendable income increase $1,306

Check out ASI’s free tax savings calculator here: http://www.asiflex.com/Calculator.aspx

http://www.asiflex.com/Calculator.aspx


Life InsuranceGroup Term Life InsuranceThe Board provides group term life insurance coverage free ofcharge for all permanent employees who work twenty (20) hours ormore per week. This coverage will not be effective until theemployee reports for work.

The face value of your personal term life policy is based upon yourposition.• Certified employees – $30,000

• Classified/Hourly employees –$30,000

• Supervisory and technical employees– $40,000

• Administrators – $50,000

What do you need to know?During your enrollment period, you will have a special opportunity to enrollin Voluntary Term Life insurance coverage.1

You can also take advantage of the special opportunity to increase yourcurrent coverage amount and/or enroll in spouse or child coverage.

Why enroll now?The Term Life insurance plan through Guardian provides a guaranteedbenefit you can count on. Policy proceeds are usually distributed income-taxfree so you can help protect those who depend on you.

Voluntary Term Life InsuranceWichita Public Schools understands that having a comprehensive benefitsplan is important to our employees and their families.

Life insurance can provide an additional layer of financial protection for youand your loved ones. This voluntary benefit would be in addition to thedistrict provided life insurance benefit.

!KPERS Life InsuranceAs an active member of KPERS, you are provided a life insurancepolicy with a face value of 1.5 times your annual base pay. Theeffective date of coverage is your date of hire. New employees andemployees who become KPERS benefit eligible will complete theKPERS designation of beneficiaries form to assign beneficiaries.

It is important to review and designate a beneficiary for this benefit.

Additionally, when you enroll for coverage you also receive an equalamount of Accidental Death & Dismemberment insurance, whichprovides a layer of financial protection in the event of a serious injury ordeath as a result of an accident.

During this enrollment period, you can enroll for the following amounts ofVoluntary Term Life insurance:

Employee: Enroll up to $500,000 ($10,000 increments).1

Spouse: Enroll up to $250,000 ($5,000 increments).1

Child(ren): Enroll any eligible children for up to $10,000.11. If you would like additional coverage, a brief application and a few health questions will be required. The additional coverage does not take effect until approval is granted.

It also offers flexibility to update your coverage as your life changes or take it with you if you change jobs or retire.


Retirement Benefits

Kansas Public Employees Retirement System (KPERS) Pension Plan

All district employees who work in KPERS covered positions are members of the Kansas Public Employees Retirement System (KPERS). Kansas lawrequires that all eligible employees must become members. As an active member you contribute a percentage of your gross earnings. The KPERSwebsite has valuable information regarding your KPERS membership. Links to all KPERS publications and forms are online for members andretirees. You can review your benefits as a member of KPERS and the retirement benefits you are accruing. KPERS also has an online “RetirementEstimate Calculator” you can use to calculate your retirement benefits. To get the best possible estimate results have your latest KPERS AnnualStatement available to enter years of service and salary information.

KPERS 1Benefits Members hired before July 1, 2009

Contribution Amount: As a KPERS 1 member you contribute 6% of your income (5% for 2014 and 4% for 2013 and before).

Earning Interest: If you became a member before July 1, 1993, your contributions earn 8% interest. On or after July 1, 1993, your contributions earn 4% interest.

KPERS 2 Benefits Members hired July 1, 2009 through December 31, 2014

Contribution Amount: As a KPERS 2 member you contribute 6% of your income.

Earning Interest: Your contributions earn 4% interest.

KPERS 3 Benefits Members hired January 1, 2015 and after

Contribution Amount: As a KPERS 3 member you contribute 6%of your income.

Earning Interest: Your contributions earn 4% interest annually (paid quarterly). There is also a possibility of additional interest, depending on KPER’s investment returns.

Your Retirement CreditsYou earn retirement credits while working. They are based on a percentage of your pay and the number of years you’ve worked. You receive these credits quarterly and your annual credit rate increases the longer you work. They can only be used at retirement.

Years You’ve Worked< 5 years

5-11 years12-23 years24+ years

Annual Credit Rate3% of your pay4% of your pay5% of your pay6% of your pay

NOTE: Kansas law does not allow you to borrow from your contributions.


Voluntary Retirement PlansUSD 259 employees have the opportunity to set up contributions to their personal investment programs through payroll deductions. There are twooptions available: the USD 259 endorsed 457 Deferred Compensation program with Massachusetts Mutual, and 403(b) tax-sheltered annuity plans.Employees interested in setting up personal accounts must work with an investment counselor to determine an investment program and begin apayroll deduction.

403(B) Tax-Sheltered Annuity PlansThe Omni Group is our 403(b) plan administrator. Employees wanting to setup a payroll deduction will work with an investment advisor from one of ourapproved participating service providers .

The list of providers can be found on the Omni website www.omni403b.com.You can also contact Omni at 1-877-544-6664.

457(B) Deferred Compensation Plan457(b) deferred compensation plans are employer-sponsored retirementsavings plans, offered by municipalities and governmental entities, whichallow employees to defer a portion of their current compensation on a tax-advantaged basis for retirement.With a 457(b) plan, employees put a portion of their earnings into anemployer-sponsored plan on a tax-advantaged basis. Employees maychoose between a traditional pre-tax contribution and a Roth contribution.

Traditional pre-tax contributions – Contributions are made on a pre-tax basis,reducing the employee’s taxable income. Earnings accumulate on a tax-deferredbasis. All distributions are taxed as ordinary income.

Roth contributions – Contributions are made on an after-tax basis. Earningsaccumulate on a tax-deferred basis, and distributions are tax-free if made fiveyears after the initial contribution to the plan and the employee is over59½.

For more information contact Deb Anton, your RPA Advisor: Deb Anton, MBAFinancial Advisor (316) 210-5049

[email protected]

Employees planning to retire from USD 259 must contact theRetirement office at least six months in advance to completepaperwork and ensure all steps for a successful retirementhave been taken.

USD 259 Retirement Specialist & KPERS Designated Agent Alexis Summers

Business: (316) 973-4590 Email: [email protected]

Retirement planning assistance is available through theRetirement Office in the Employee Benefits department.Information regarding KPERS retirement options may beobtained through personal meetings, or you may request aretirement estimate.

http://www.omni403b.com/mailto:[email protected]:[email protected]


Additional WPS Benefits Catastrophic Benefit Donation PoolDisability and Leave Programs

Workers CompensationThe Board provides worker’s compensation coverage under the KansasWorkers Compensation Law for all employees. Workers compensationcovers injury and disease arising out of and in the course of one’semployment. Benefits include medical expenses and disability paymentswhen applicable.

Job related accidents must be reported immediately to your supervisorand the Workers Compensation office at 316-973-4579. The EmployeeReport of Incident (EROI) and the Supervisor’s Report need to becompleted and forwarded to the Employee Benefits and InsuranceManagement office as soon as possible, but no more than 24 hours afterthe occurrence.

Short-Term Disability (STD)The Board provides Short-Term Disability benefits for disabilities resultingfrom non-occupational illness or injury, as outlined in the STD plansummary. STD replaces a portion of your pay once your temporary leavebalance has been exhausted. Disability benefits must be approved by thedistrict’s leave administrator.

Under no circumstances will short term disability benefits be paid inexcess of 180 calendar days from the date of disability.

Contact Employee Benefits at 316-973-4632 for more information aboutFMLA, maternity leave, or medical leave.

KPERS Long-Term Disability (LTD)Membership in KPERS also includes Long-Term Disability benefits. TheKPERS long-term disability plan provides financial protection by replacinga portion of the member’s income if he or she is disabled for a prolongedperiod as the result of an injury or sickness. KPERS also provides aninsured death benefit to the member’s beneficiary should the memberdie while receiving long-term disability benefits. The death benefitamount is based on the member’s salary at the time of disability.

This pool was established for USD 259 employees in 1995 to helpparticipants recover pay for work days that have gone into deduct paydue to an FMLA eligible, catastrophic medical event.

To become a member of this pool, benefitted employees voluntarily makea one time donation of one day of their temporary leave to the pool onPeopleSoft anytime throughout the year.

Donating one day of your leave means you are a participant in the pool,and are eligible to apply for assistance unless you move to a non-benefited position or terminate employment. If you wish to participate inthe Catastrophic Benefit Pool you may go online to PeopleSoft to makethis donation.

From the Employee Self Service page, click on the Tile “My Benefits”.

Then select the option at the left “WPS Catastrophic Benefit Pool”.

Before applying: temporary leave must already be exhausted, deduct daysmust show on PeopleSoft, and the donation day needs to have beenprocessed. The Catastrophic Benefit Pool is not an option on days anemployee is receiving compensation under Disability or Workers’Compensation.

Employees are eligible for up to 20 work days during the period of Julythrough June. Applications can be found on the Employee Benefitwebsite or through contacting Employee Benefits.


Medicare Education

If you have any questions

about Medicare or need help

reviewing your options,please contact

Amy Johnson at (707) 779-1061.


EAP Can Give You the Support You Need Relationship challenges Life-changing events Legal or financial issues

Treatments and Resources to Find Your Best SelfThe expansive list of resources, free to you and your loved ones, canbe accessed at your pace.

Log on: www.ndbh.com with passcode USD259Request a session online at www.ndbh.com or by phone 1-800-624-5544.

USD 259 has partnered with New Directions to offer an EmployeeAssistance Program (EAP) designed to assist employees and theirdependents in coping with personal problems that may impacttheir lives, behavior, or performance.

The benefit provides short term counseling (6 visits per issue) andreferral services for employees and their dependents. EAP servicesare provided in strict confidentiality. This benefit is provided byUSD 259 at no cost to the employee.

All USD 259 employees are automatically enrolled in this benefitand are eligible to utilize the EAP. The EAP is provided throughNew Directions Behavioral Health.

Better Help Online Therapy Online, real time, anytime: confidential care for you and your family to live with balance, health and happiness.

A new text therapy partner, Better Help, will begin in January 2021. Talk to a therapist on your time. Support is more convenient than ever.

What’s in it for you: Easy access to 2,000+ licensed therapists with a mobile device or computer Available anywhere/anytime Includes dependents, 18 yr.+ No cost or insurance required No commutes or appointments Secure and confidential Immediate access to emotional support 1:1 relationship with licensed professional Easy access with a mobile device or computer

Get started1. Visit BetterHelp.com/New Directions

2. Enter code: USD259

3. Complete registration and get matched with a therapist

4. Download the app and start therapy (message, chat, phone, video)

Employee Assistance Program (EAP)

To Access:

NOTE: Any cases open in 2020 with TalkSpacewill be honored until they are completed.

Excessive worry or stress Substance dependence Workplace challenges

http://www.ndbh.com/http://www.ndbh.com/


Online Enrollment Portal

www.usd259.bswift.com

Your benefit decisions are important, and a lot goes into making the right choice. We have partnered with bswift, an easy-to-use, online benefitstool which provides a smart, simple and personalized enrollment experience to help you choose the plan that’s right for you.

Forgot Password?• If you have forgotten your password or are having trouble logging in,

please click on the Forgot Password link to reset, using the security question you have already provided.

• If you are still unable to log in, contact bswift at 1-866-524-5063.

Representatives are available Monday through Friday from 8:00 a.m. to 6:00 p.m. CST.

**Do not contact the 259 Help Desk as they will not be able to assist you.**

.

Open your internet browser and enter www.usd259.bswift.com

How to Access the Benefit Portal

You’ll find everything you need on bswift’s online portal. You can go there during enrollment and throughout the year to:

Look up general benefits information

Find important plan details

Enroll in your benefits

Make changes when you have qualifying life events

Update life insurance beneficiaries

View annual notices

Username: Employee ID number

Password: Your password will be the last 4 of your social security number

You can access the benefit portal 24/7 from any computer


How to Enroll Once you have logged in to the benefit enrollment website,click on the Start Your Enrollment button to begin enrollingin your benefits.

Enter and/or review your family informationEnter and/or review your spouse’s information, along withyour eligible dependent children, whom you would like toenroll in your benefits.

This is only necessary if you want to add them to your health plan.

Enter your personal informationMake sure all your personal information, including youraddress and telephone number are correct.


Start selecting your benefits

Select dependents to be coveredAfter you click on the green view options button, you will beasked to select who you would like to cover with the plan atthe top of the page, then view all of your plan options below.

From this screen you can select which benefits to enroll in orto enroll in the cash option. As you progress through eachbenefit you will see your selections.

You will need to check the box next to each dependentyou wish to cover under the plan.

View your plan optionsFrom this screen, click on the green view plan options tomake your selections under each benefit type. As youprogress through each benefit type, you’ll see yourselections completed on this screen.

!


You cannot complete your enrollment without reviewing all nine of the benefits.

There are nine benefits options for you to review.

Medical Plans

Dental Plans

Vision Plans

Health Care Spending Account

Dependent Care Spending Account

Supplemental Employee Life

Basic Employee Life You will only be able to edit and view information

(e.g. beneficiaries) here. You cannot select different options or opt out. This

benefit is provided by the district to you at no cost.

KPERS Life You will not be able to edit KPERS Life insurance

through bswift, you will only be able to view your current beneficiaries.

Go to www.KPERS.org to change your beneficiaries.

Employee Assistance You will only be able to view information here. You

cannot select different options or opt out. This benefit is provided by the district to you at no cost.

!

http://www.kpers.org/


Review & Confirm Your SelectionsTake another moment to look over your selections and make any necessary changes.

You’re finished - view your confirmation statement

Benefits Confirmation StatementYou have the option to email or print your confirmation statement fromthe online benefits portal once you have completed your enrollment.Review your elections carefully as changes will not be allowed once yourenrollment window closes unless you have a qualifying life event.

If you choose to email a copy of your statement to yourself it will besent to the preferred email you have listed in bswift. If you have yourpersonal email listed be sure to check your email account frequentlythrough Open Enrollment.

We recommend you save a copy of your final benefit confirmationstatement.

Pay special attention to the dependents you enrolled and verifythey show as covered under your plans. “X” waived means theyare not enrolled in that plan.

10

Select Complete Your Enrollment.

21

After You Enroll ID Cards and Flex Debit CardsHere is what you need to know about ID cards and flex debit cards.

Medical: You will only receive new cards if you made changes or are anew enrollee. Your ID card will list all covered dependents. You canalso go online to www.meritain.com and register on the memberportal to print out temporary cards.

Prescription: You will only receive new cards if you made changes orare a new enrollee. The Maxor cards will have all covered dependentslisted.

Dental: You will only receive new cards if you made changes or are anew enrollee. Your dental card will only have the employee’s namelisted.

Vision: You will only receive new cards if you made changes or are anew enrollee. Your EyeMed card will only have the employee’s namelisted.

Flexible Spending Debit Card: (For health FSA only) The debit card isnot sent automatically. You must complete the debit card applicationlocated in the bswift library or at www.asiflex.com and submit to ASIfor processing.

If changes need to be made, you can go back into your enrollment anytime during the enrollment period to make and save those changes.

!

http://www.meritain.com/http://www.asiflex.com/


Wellness VerificationsWellness Points will be automatically awarded to all covered employees and spouses for the 2021 plan year.

To view the status of your wellness points for the 2022 plan year, please log in to www.usd259.bswift.com

Your username = Your Employee ID #

From the Home page, select “My Profile” from the tool bar. Then, on the “Personal Information” page select the “Wellness tab”.

• From the home page, click on the “My Profile” tab.• Then select “Employee file”.• To upload new documentation, click on the

appropriate option (e.g. Add Birth Certificate).• Change the document title to reflect the

documentation.• Leave the Description field blank.• Check the document type to verify that it states the

appropriate option (e.g. Add Social Security Card).• Browse your computer for the correct document.• Click upload.• Repeat this process for each document you need to

upload.

Uploading Documents


IMPORTANT: Dependents must be added to or dropped from the Health Plan within 31 days of a life event (birth, marriage, divorce)

IRS regulations limit when you can make changes to your benefitsduring the year. After you have made your elections during your first31 days of eligibility, you cannot change your medical, dental, vision, orFSA elections outside the annual Open Enrollment period (held eachfall), unless you have a qualifying life event that permits you to makebenefits changes under IRS rules.

Examples of qualifying life events that may allow you to makebenefit changes:• Marriage• Divorce or legal separation• Birth or adoption• Loss of eligibility for other health coverage• Dependent Losing Eligibility – dependent child reaches the

maximum age of 26• Death of a dependent• Change in employment status• Medicare eligibility

Once you are logged into bswift, you would select “All Other Life Events” under the Life Event Section.

The system will then walk you through step by step.

Once your changes are completed, click on “My Profile” then “Employee File” to upload the appropriate documentation.

The benefit change will not be approved until the appropriate documentation is submitted.

If you experience one of these qualifying life events during the year you can make plan changes through the benefit portal at

www.usd259.bswift.com within 31 days of the life event.

Benefit Changes During the Year

Making Life Event Changes

!

http://www.usd259.bwift.com/


Useful Contacts


Health coverage pays for provided services, medications, hospital care, and special equipment when you’re sick. It is also important when you’renot sick. Here are explanations of some key health insurance words that you may hear.

Copayment An amount you may be required to pay as your share of the cost for a medical service or supply, like a doctor’s visit, hospital outpatient visit, orprescription drug. A copayment is usually a set amount, rather than a percentage. For example, you might pay $30 for a doctor’s visit or $10 for aprescription.

Co-insurance An amount you may be required to pay as your share of the cost for services after your deductible is satisfied. Co-insurance is usually a percentage (forexample, 30%).

Deductible The amount you owe for health care services before your health insurance plan begins to pay.

Explanation of Benefits (EOB) A summary of health care charges that your insurance company sends you after you see a provider or receive a service. It is not a bill.It is a record of the health care you or individuals covered on your policy received and how much your provider is charging your insurance company. If you have to paymore for your care, your provider will send you a separate bill.

Formulary A list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Also called a drug list.

Hardware This includes glasses, frames, and contacts under the EyeMed vision plan.

In-network The facilities, providers, and suppliers your health plan has contracted with to provide health care services.

Non-formulary Drugs that are not included in the list of preferred medications that a committee of pharmacists and doctors deems to be the safest, most effective andmost economical. They are drugs not included in the drug list approved by Maxor Plus.

Out-of-network A provider or facility who does not have a contract with your health plan to provide services to you. You will pay more to use them.

Out-of-pocket Maximum The most you pay during a calendar year before your health insurance or plan starts to pay 100% for covered essential health benefits. Theout-of-pocket maximum includes the yearly deductible, co-insurance and copayments.

Out-of-network Co-insurance The percent (for example, 50%) you pay of the allowed amount for covered health care services to providers who don’t contract withyour health insurance or plan. Out-of-network co-insurance costs you more than in-network co-insurance.

Preauthorization Sometimes called prior authorization, prior approval, or precertification. Your health insurance or plan may require preauthorization for certainservices before you receive them, except in an emergency. Preauthorization is not a guarantee of benefits.

Specialist A physician specialist focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms andconditions. A non-physician specialist is a provider who has more training in a specific area of healthcare.

Urgent Care Urgent care is non-preventive or non-routine health care service needed to prevent serious deterioration of a person’s health following an unforeseenillness, injury or condition. Urgent care includes conditions that could not be adequately managed without immediate care or treatment, but do not require the level ofcare provided in an Emergency Room. Often referred to as Immediate Care.

Glossary of Medical Terms

2021 Employee Benefits Guide

Wichita Public Schools 903 S. EdgemoorWichita, KS 67218

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2021 Benefits Guide - Wichita USD 259 · To learn more, contact Meritain Health at 1-800-641-3224...

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Transcript of 2021 Benefits Guide - Wichita USD 259 · To learn more, contact Meritain Health at 1-800-641-3224...