2019 - Amazon S3

[Pages:16]2019

Helping employees make informed choices about their benefits

Open Enrollment Dates:

October 29, 2018 ? November 30, 2018

Benefits Effective: January 1, 2019

HEALTH BENEFITS OVERVIEW

Vermilion Parish School Board strives to provide a comprehensive benefits package to eligible employees and their families. This benefits guide will summarize the benefits package available to assist individuals in making plan selections.

ELIGIBILITY

Employees and their dependents are eligible for benefits on the first of the month following 30 days of employment.

Listed below are eligible dependents

1. Legal Spouse 2. Children to age 26 including but not

limited to: Natural children, adopted, stepchildren, child for whom you have court order legal guardianship etc. Any child you are required to provide medical benefits subject to a Qualified Medical Child Support Order (QMCSO) or National Support Order (NMSN).

This company reserves the right to perform eligibility audits and may require copies of any legal papers issued to establish a person as an eligible dependent or spouse. Attempting to insure someone who is not eligible may result in disciplinary action,

up to and including termination of employment.

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Pre- Tax Enrollment Considerations

Employees are advised that some of the benefit plans offered are pre-tax benefits whereby all employee paid contributions are deducted from pre-tax earnings. When premiums are deducted on pre-tax basis, the employee's take home pay is increased because the premiums are subtracted from the gross pay before taxes are applied. Pre-tax deductions also lower the taxable income for the year by the amount of the total payroll deduction for insurance premiums.

Qualifying Event

One of the stipulations of a tax advantage plans is that coverage must remain in force until the beginning of the new plan year unless there is a qualifying event or change in family status. A qualifying event or family status change may include: ?Birth or adoption of a child ?Marriage or divorce ?Death of a spouse or dependent ?Change in spouse's employment status The qualifying event must be reported to the Vermilion Parish School Board Insurance Department along with all required documentation within 30 days of the event to ensure coverage.

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Medical Benefits

Vermilion Parish School Board is proud to offer a comprehensive and valuable healthcare coverage to our employees and their family members. Our program consist of three medical plan options through Blue Cross Blue Shield of Louisiana.

Services: Annual Individual Deductible

Annual Family Deductible

Annual Individual Out of Pocket Maximum

Annual Family Out of Pocket Maximum

Buy Up PPO

$1,000 Network $2,000 Out of Network

$3,000 Network $6,000 Out of Network

$5,250 Network $10,500 Out of Network

$10,500 Network $21,000 Out of Network

Standard PPO

$2,000 Network $4,000 Out of Network

$6,000 Network $12,000 Out of Network

$6,250 Network $12,500 Out of Network

$12,500 Network $25,000 Out of Network

HDHP

HSA Qualified Plan

$3,300 Network $6,600 Out of Network

$6,600 Network $13,200 Out of Network

$6,350 Network $12,700 Out of Network

$12,700 Network $25,400 Out of Network

Member Coinsurance

20% - Network 40% - Out of Network

30% - Network 50% - Out of Network

30% - Network 50% - Out of Network

Preventative Services ? Network Office Visits ? Network

Prescription Drugs

Covered in Full Deductible Waived

$40 copayment

Tier 1: $7 Copayment Tier 2: $30 Copayment Tier 3: $70 Copayment

Covered in Full Deductible Waived

$40 copayment

Tier 1: $7 Copayment Tier 2: $30 Copayment Tier 3: $70 Copayment

Covered in Full Deductible Waived

Deductible then Coinsurance

Deductible then Coinsurance

Employee Monthly Rates

Coverage Tier

Buy Up PPO

Employee Only

$344.00

Employee + Spouse

$722.00

Employee + Spouse If Spouse has coverage offered through own employer

$822.00

Employee + Child(ren)

$636.00

Family

$1096.00

Family If Spouse has coverage offered through own employer

$1196.00

Two Married VPSB Employees

$622.00

Two Married VPSB Employees - Family

$896.00

Standard PPO $270.00 $566.00

$666.00

$499.00 $781.00

$881.00

$466.00 $681.00

HDHP $100.00 $481.00

$581.00

$424.00 $664.00

$764.00

$200.00 $564.00

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Health Savings Account (HSA)

When you're choosing a health plan, there are many factors that affect your decision. If you want an option with flexibility, a high level of choice and tax-advantaged savings, a high deductible health plan with a health savings account (HSA) might be the right choice for you.

A Health Savings Account (HSA) allows individuals enrolled in a high deductible health plan to save money taxfree to pay for eligible small and routine medical expenses until the deductible and out of pocket are met. Eligible Medical Expenses Include:

Doctor's office visits and procedures Diagnostic devices (such as blood sugar test kits for diabetics) Prescription Drugs Eye surgery (such as laser eye surgery or radial keratotomy) Wheel Chairs COBRA Premiums

At the end of the year, you keep any unspent money in your HSA. This rolled over money can grow with taxdeferred investment earnings, and, if it is used to pay for qualified medical expenses, then the money will continue to be tax-free. Your HSA and the money in it belongs to you--not your employer or insurance company.

An HSA can be a tremendous asset as you save for and pay medical bills because it gives you tax advantages, more control over your own spending and the ability to save for future expenses.

2019 HSA Contribution Limit

Individual Coverage

Family Coverage

$3,500

$7,000

Individuals enrolled in the HDHP may elect to open a Health Savings Account (HSA) through HealthEquity and have their pre-tax HSA contributions payroll deducted.

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Telemedicine

Beginning January 1, 2019 we will access the Blue Cross Blue Shield BlueCare Network for all Telemedicine services.

Blue Care lets you see a doctor anytime, anywhere, so you can get care outside of doctors' office hours or during the day without leaving home, work or school. BlueCare is faster and less expensive than going to the ER or urgent care for minor health needs. BlueCare costs only $39 up front and is an easier way to treat non-emergency illnesses like:

Sinus infections Cough or cold Rashes Allergies Bladder infections Pink eye Mild stomach bugs (throwing up, diarrhea) Flu symptoms You can also use BlueCare to get a prescription or to check in with a doctor if you need a follow-up visit. *HDHP Participants: The $39 telemedicine visit payments will apply to plan deductible and out of pocket maximum

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L VE WELL

2020 VPSB Wellness Program

Vermilion Parish School Board employees, retirees and spouses are encouraged to participate in our wellness program. Employees, retirees and spouses that have BlueCross and Blue Shield health insurance as primary insurance coverage through VPSB are eligible to earn a credit toward the 2020 insurance premium.

Participants must earn 55 points by completing the required activities below (including mandatory PHA and annual wellness exam) and log all required activities into the portal no later than August 31, 2019 to be eligible for the wellness premium (Participant $25/month, Participant + Spouse $50/month). Please make sure to keep documentation of the chosen activities (if applicable) for auditing purposes.

The Wellness Incentive can be earned with two steps:

1. Complete and log the two mandatory activities

MANDATORY Complete an Annual Wellness Exam including blood work with Primary Care Doctor and/or an

Onsite Wellness Exam

MANDATORY Complete a Personal Healthy Assessment

(PHA)

2. Complete and log a total of 55 points from the activities below

25 POINTS EACH

Attend Wellness Expo

Participate in VPSB Challenges

Gender Appropriate Screening (Mammogram and/or PAP OR PSA)

Colonoscopy Skin Cancer Screening

10 POINTS EACH

Flu Shot Dental Visit Eye Exam Enroll in tobacco cessation if smoker Participate in any 5K/1 Mile Walk/Run

(Volunteer at V5K) Proof of Physical Activity for 3 Months

(Gym receipt or verified data of steps on portal)

5 POINTS EACH

Onsite Stroke Screening Food Drive Blood Donor Participate in Christmas Stroll Participate in Onsite School Program

(Monthly Healthy Lunch and Holiday Holdout) SHAC Member (or Spouse) Complete an Online Workshop (Maximum of Two) Participate in Wellness Dept. Class (Five points per class ? 35 Point Maximum)

Participants must log all activities on the wellness portal at

to qualify for the incentive.

Participation in the wellness program is strictly voluntary and will not have any impact on employment or healthcare coverage. If it is unreasonably difficult due to a medical condition for you to achieve the standards for the reward under this program, please call 337-898-5844 and we will work with you to develop another way to qualify for the reward.

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INSTRUCTIONS TO LOG ACTIVITIES

Log on to

To access portal after registering a new account: Enter your username and password and click F"GirOst"Time Users: Log on to and click "Register New Account". Create username and password. EMPLOYEE USERNAME MUST BE NINE DIGIT MEMBER ID NUMBER LOCATED ON INSURANCE CARD AND SPOUSE OF EMPLOYEE MUST BE S + NINE DIGIT MEMBER ID NUMBER. RETIREE USERNAME MUST BE R + NINE DIGIT MEMBER ID NUMBER LOCATED ON INSURANCE CARD AND SPOUSE OF RETIREE MUST BE RS + NINE DIGIT MEMBER ID NUMBER. Enter location code 78K22ERC. Accept terms of use and privacy policy and click "Submit".

To take a PHA: Click "1 ? Know Your Health Status". The PHA will automatically log upon completion.

To participate in an online workshop: Click "2- Take a Workshop" to participate in a workshop. Workshops will automatically log upon completion.

To log all other activities: Click "Incentives" tab then click "Healthy Habit" tab. Click "Complete" and give activity name and date of activity. Click "Update" then verify information to be accurate by clicking "OK".

To Check the Status of Incentive Points Earned: Click "Incentives" tab then click "Incentive Summary" to view total

points earned.

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