CDSD Benefits Open Enrollment 2017April 21st – May 12th

Enrollment Form

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Open Enrollment is for…

Changes and Enrollments

Medical and Waiver

403(b) beneficiaries

Flexible Spending Account

Spousal Surcharge

verification

Life beneficiaries

Vision and Dental

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Benefits EligibilityWhen are you eligible to enroll or make changes to current elections?

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Benefits Overview

During Open Enrollment you can update or change your elections for:

• Medical, Dental or vision- changes (submit form) or no changes (do not submit form)

• Waiver of Insurance-must recertify annually if you wish to have waiver dollars

• Spousal Surcharge- all employees must recertify annually regardless of marital status

• Flexible Spending Account (FSA)- must elect annually if you wish to have this benefit

• Life & 403(b) beneficiary updates- It is important to update your beneficiaries on file as needed, during this OE you will need to update your beneficiary information.

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Qualifying Life Events

If you experience a qualifying event and desire to make changes to your benefits enrollment, you have 31-days from qualifying event date to do so.

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Employee and Dependent Benefits Eligibility

• Employees working at least 30 hours per week who have met District requirements and the obligations of their Collective Bargaining Agreement

• Legally married spouses

• Medical- Children up to age 26 and children who are over 26 but are permanently disabled

• Dental & Vision- Children up to age 19 or up to age 23 if full-time student

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Medical InsuranceHighmark Information and Medical Plan Provisions

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Highmark Website- Medical Consumer Friendly

Provider Search Simplified

• PCP’s, Specialists, Hospitals, Imaging,

Urgent Care, pharmacies and more!

Compare Provider Profiles

• Patient ratings, Blue Distinction

Centers, board certs, accreditations, etc.

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Highmark Website- Care Cost Estimator

Did you know…Common healthcare services, like x-rays and lab tests, can cost from 30 to 50 percent more depending on where you go. The Care Cost Estimator helps you search almost all of these services to find the best price.

Sample search…

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Highmark Website- Care Cost Estimator

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Medical Plan Deductible and CoinsuranceHow do they work for my medical plan?

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UNDERSTANDING YOUR DEDUCTIBLE

DEDUCTIBLES APPLY TO:

• Inpatient and Outpatient

hospital procedures

• Outpatient Medical/Surgical

• Diagnostic Services

(Diagnostic medical,

lab/pathology, allergy testing,

Basic & Advanced imaging:

x-rays, MRI, CAT, PET scans)

• Durable Medical Equipment (DME),

Orthotics and Prosthetics

• As well as other services listed on benefit summary

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Deductibles run on a contract year

You pay the bill until you hit your deductible

UNDERSTANDING COINSURANCE*Coinsurance only applies to your Out-of-Network benefit

• Coinsurance is the percent of the bill you pay after you hit your deductible

• Coinsurance payments apply to:

• Inpatient and Outpatient hospital procedures

• Outpatient Medical/Surgical

• Diagnostic Services (Diagnostic medical,

lab/pathology, allergy testing,

Basic & Advanced imaging: x-rays, MRI, CAT, PET scans)

• Durable Medical Equipment (DME), Orthotics and Prosthetics

• As well as other services listed on benefit summary

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Pay your deductible first, then your coinsurance begins

You Pay Nothing For Preventive Care!

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Benefit In-Network

Preventive Visits (adult & pediatric)100%

no deductible

Pediatric Immunizations100%

no deductible

Routine Gynecological Exams including Pap Test100%

no deductible

Mammograms (annual routine)100%

no deductible

Preventive Diagnostic Screening100%

no deductible

Please view the 2017 Highmark Preventive Schedule for more details.

Flexible Spending Account

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Flexible Spending Account (FSA)

The District offers both a Health Care and Dependent Care FSA.

• 2017 FSA maximum/minimum contribution limits:• Health Care- $2,600/$120• Dependent Care- $5,000/no minimum

• Carryover provision• Allows you to carryover amounts from $60 to $500 of unused

funds from your health care FSA at the end of each plan year. The carryover does NOT apply to the Dependent Care FSA.

• 60-day run-out period no longer offered for submitting claims.

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Flexible Spending Account (FSA)

Qualified Healthcare Expense Examples:

Healthcare Dependent Care

Contraceptives Care for child under age 13

Copays, coinsurance and deductibles Care for spouse or other tax dependent

Dental and eye exams Elder care for spouse or other tax dependent

Durable medical equipment Nursing home care (restrictions apply)

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Dental & Vision

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Delta Dental

• Majority of preventative and restorative services covered at 100%

• Annual Delta Dependent verification

Please reference the dental page on the District website and your Collective Bargaining Agreement for specific plan design information

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Delta DentalCost Example

Example PPO ParticipatingDentist

Premier Participating

Dentist

Non-Delta Dentist

Dentist’s Charge $200 $200 $200

Delta Max Plan Allowance

$120 $150 $120

% of Allowance Paid by Delta

50% 50% 50%

Delta Pays $60 $75 $60

Patient Pays $60($120-$60)

$75($150-$75)

$140($200-$60)

Note that the PPO Network of dentists offers the deepest discount.

When looking for a dentist on Delta’s website, the dentist search will automatically default to providers in the PPO Network.

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Delta provides you with access to two networks:PPOPremier

Delta Dental- Dual Coverage Coordination of Benefits

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Delta Dental- Dual Coverage Coordination of Benefits (con’t)

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Davis Vision Vision Plan Design:

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Visit the district website or contact Davis Vision for additional vision plan details!

Life Insurance & 403(b) Plan

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Life & Long-Term Disability Insurance

Term Life insurance is offered to eligible employees as a flat dollar amount based on collective bargaining agreement.Remember to update your life insurance beneficiaries as you

have the need!

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403(b) PlanDon’t delay, plan for retirement today!

• Enrollment is optional and employees can enroll at anytime

• 403(b) plan contributions are payroll deducted and tax-deferred

• 2017 IRS maximum contribution- $18,000. Age 50 and over can contribute an additional $6,000 for a max of $24,000.

• Provides extra retirement savings in addition to your PSERS pension contribution

• Nationwide Online enrollment:

http://www.nationwide.com/403b-retirement-plans.jsp

Use case number: 782-80039

• Contact Polaris Retirement Plan Advisors:

Kimberly Wenger 775-8061 ext. 36

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Your 403(b) Plan & Saving for Retirement

27Information provided by Polaris Advisors

Plan Early for Retirement

28Information provided by Polaris Advisors

403(b) Contributions

29Information provided by Polaris Advisors

Other District Offered Benefits

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Connect Care 3 (CC3)CC3 is a free voluntary benefit to you as a

an employee enrolled in District medical benefits.

What CC3 can do for you:

• Educate you on your injury or illness

• Research and share a list of doctors and medical facilities

• Prepare a list of questions that you should ask your doctor at your next appointment

• Accompany you to your doctor’s appointment, if desired

• Help you find access to social services

• Resolve certain insurance issuesContact: (877) 223-2350, www.connectcare3.com, info@connectcare3.com

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Employee Assistance Program (EAP)

The EAP is a free, voluntary, completely confidential service that is provided to you by the District through Mazzitti & Sullivan.

Counseling sessions provided for:– Marital and family issues

– Issues with children and adolescents– Emotional distress

– Personal issues– Anger, stress, and time management

– Grieving– Alcohol, drug, or other addictions

– Health-related issues– Job stress

– Child or spousal abuse

Available to you and your family members- No enrollment necessary!Contact: 1-800-543-5080

info@mseap.com

www.mseap.com,

Click ‘Member Login’ and use ‘CD’ in the Sign In box under ‘Access Code’32

Access Your Benefits From Anywhere

Websites & Mobile Apps

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davisvision.com

highmarkblueshield.com

Your access to more information

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Virtual MedicineTelemedicine

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Virtual Medicine (Telemedicine)• What is it?

- A “virtual” doctor’s visit from the convenience

of your computer, smartphone or tablet

• When should you consider

virtual medicine?

- Acute care: Bad cold, child with

an earache on vacation

- When you can’t wait to see

a dermatologist

- Follow-up visits with a PCP or specialist

when available

Virtual Medicine (Telemedicine)

• Minor illnesses

• Behavioral health

• Skin, hair and

nail issues

• Minor illnesses

• Behavioral health

Find out more now – so you’re ready when you need care• Go to the website and register:

– doctorondemand.com

– amwell.com

– dermatologist.com

• Or download the free app

• Ask your PCP or specialist if

he or she offers virtual medicine

Forms for Open EnrollmentEnrollment Form- for changes only

Waiver of Insurance Form- required annually if waiving medical coverage

Spousal Surcharge Form- required annually for all employees

Flexible Spending Account Form- if you wish to enroll in or continue FSA

Life & 403(b)- Beneficiary Designation Forms as needed to make updates to information on file

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What do I do now?

Next Steps

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Who needs to take action?

Eligible employees who wish to enroll in or make changes to current benefits enrollments, employees who wish to waive insurance coverage and those electing

or re-electing the FSA.

ALL EMPLOYEES MUST submit a spousal surcharge form regardless of marital status and update life beneficiaries

Forms can be found by visiting www.cdschools.org and clicking on, ‘Administration’>’Human Resources’>’Open Enrollment 2017-2018’

**Click on your employee group for forms/info related to you for open enrollment.

Submit all forms to:

HumanResourcesDept@cdschools.org

Submit your forms from April 21st through May 12th

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What Can I Find on the Benefits Pages of the District Site?

Visit: http://www.cdschools.org

Log in: with your district computer access user name and password

Go to:

Administration>Human Resources>Benefits>Click on the page you wish to view:• 403(b)

• ConnectCare3

• Davis Vision

• Delta Dental

• Employee Assistance Program (EAP)

• FSA

• Medical

• Life and LTD

• New Hire Benefits Information

• Medical Summaries of Benefits and Coverage

• Vendor Contact Information

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Vendor ContactsVendor Phone Website

Assurant Life & Long Term Disability Insurance

1-866-403-7700 www.assurant.com

ConnectCare3 1-877-223-2350 www.connectcare3.comConexis Flexible Spending Plan 1-866-279-8385 www.conexis.comDavis Vision 1-800-999-5431 www.davisvision.comDelta Dental Insurance 1-800-471-7068 www.deltadental.comHighmark Blue Shield Insurance 1-800-345-3806 www.highmarkblueshield.comMazzitti & Sullivan Employee Assistance

1-800-543-5080 www.mseap.com

Medco Prescription Drug Member Service

1-800-903-6228 www.medcohealth.com

Nationwide 403b 1-888-867-5175 www.nationwide.comPSERS (Public School Employees’ Retirement System)

1-888-773-7748 www.psers.state.pa.us

Polaris Advisors – Retirement Plan Services

(717) 775-8061x36Kimberly Wenger

www.polarisadvisors.net

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Questions?

Please refer to your benefits newsletter sent to you via email for this Open Enrollment period.

If you have any questions, contact your benefits team:

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Benefits Health Wellbeing

To You From us!

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