Baltimore City Public Schools
Baltimore City Public Schools
Your Employee Benefits
Effective January 1, 2019
TABLE OF CONTENTS
Table of Contents
YOUR CITY SCHOOLS BENEFITS ....................................................................................................................................................... 1 ELIGIBILITY ............................................................................................................................................................................................... 2 ENROLLMENT ........................................................................................................................................................................................... 3 SPECIAL ENROLLMENT RIGHTS ..................................................................................................................................................................... 6 CERTIFICATES OF CREDIBLE COVERAGE .......................................................................................................................................................... 6 WHEN COVERAGE BEGINS .......................................................................................................................................................................... 7 WHEN COVERAGE ENDS ............................................................................................................................................................................. 7 HOW TO CANCEL COVERAGE ....................................................................................................................................................................... 8 MEDICAL CHILD SUPPORT ORDERS (MCSO) .................................................................................................................................................. 9 COORDINATION OF BENEFITS ..................................................................................................................................................................... 10
YOUR MEDICAL BENEFITS ............................................................................................................................................................. 11 YOUR OPTIONS ....................................................................................................................................................................................... 11 BLUECHOICE POINT-OF-SERVICE (POS)....................................................................................................................................................... 18 CAREFIRST BLUECROSS BLUESHIELD PREFERRED PROVIDER NETWORK (PPN) .................................................................................................... 50 KAISER PERMANENTE HEALTH MAINTENANCE ORGANIZATION (HMO) ............................................................................................................. 81 OTHER MEDICAL BENEFITS INFORMATION.................................................................................................................................................. 102
YOUR PRESCRIPTION DRUG BENEFITS..........................................................................................................................................105 GENERIC DRUGS ................................................................................................................................................................................... 105 FORMULARY LIST................................................................................................................................................................................... 105 PRIOR AUTHORIZATION .......................................................................................................................................................................... 106 QUANTITY PER DISPENSING LIMITS/ALLOWANCES ....................................................................................................................................... 106 SPECIALTY MEDICATIONS ........................................................................................................................................................................ 106 FILLING YOUR PRESCRIPTIONS.................................................................................................................................................................. 107 WHAT'S NOT COVERED .......................................................................................................................................................................... 108 HOW CLAIMS ARE PAID .......................................................................................................................................................................... 109 EXPRESS SCRIPTS DEFINITIONS ................................................................................................................................................................. 109 FOR MORE INFORMATION ...................................................................................................................................................................... 109
YOUR DENTAL BENEFITS ..............................................................................................................................................................110 WAIVING DENTAL COVERAGE .................................................................................................................................................................. 110 BASIC DENTAL: CAREFIRST DHMO (DENTAL HEALTH MAINTENANCE ORGANIZATION) PLAN .............................................................................. 110 DENTAL BUY-UP: CAREFIRST PREFERRED DENTAL PPO ................................................................................................................................ 115
YOUR VISION BENEFITS................................................................................................................................................................123 HOW THE PLANS WORK ......................................................................................................................................................................... 123 WHAT'S COVERED ................................................................................................................................................................................. 123 WHAT'S NOT COVERED .......................................................................................................................................................................... 126 CLAIMS PAYMENT ................................................................................................................................................................................. 127 NVA DEFINITIONS................................................................................................................................................................................. 127 FOR MORE INFORMATION ...................................................................................................................................................................... 129
YOUR EMPLOYEE ASSISTANCE PROGRAM (EAP) ..........................................................................................................................130 HOW IT WORKS .................................................................................................................................................................................... 130 WHAT IS COVERED ................................................................................................................................................................................ 130 REIMBURSEMENT OF CLAIMS ................................................................................................................................................................... 132 WHEN COVERAGE ENDS ......................................................................................................................................................................... 132 FOR MORE INFORMATION ...................................................................................................................................................................... 132
YOUR FLEXIBLE SPENDING ACCOUNTS .........................................................................................................................................133 HOW THE FSAS WORK........................................................................................................................................................................... 133 MEDICAL FSA ...................................................................................................................................................................................... 134 DEPENDENT CARE FSA........................................................................................................................................................................... 136 ENROLLING IN AN FSA ........................................................................................................................................................................... 138 IMPORTANT IRS RULES........................................................................................................................................................................... 139 FLEXIBLE SPENDING ACCOUNT DEFINITIONS ............................................................................................................................................... 141
March 2019
This guide provides a high-level summary of your benefits. If there is any discrepancy between this guide and the official plan documents, the official plan documents will govern.
TABLE OF CONTENTS
FOR MORE INFORMATION ...................................................................................................................................................................... 141 LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE ................................................................................142
BASIC EMPLOYEE LIFE AND AD&D INSURANCE ........................................................................................................................................... 142 BASIC DEPENDENT LIFE INSURANCE .......................................................................................................................................................... 145 OPTIONAL EMPLOYEE LIFE AND AD&D INSURANCE ..................................................................................................................................... 146 OPTIONAL DEPENDENT LIFE INSURANCE .................................................................................................................................................... 147 BENEFIT AMOUNT FOR ACCIDENTAL DEATH AND DISMEMBERMENT PLANS ...................................................................................................... 150 WHAT IS NOT COVERED ......................................................................................................................................................................... 150 THE HARTFORD LIFE AND AD&D PLAN DEFINITIONS.................................................................................................................................... 151 YOUR DISABILITY BENEFITS..........................................................................................................................................................153 PROOF OF GOOD HEATH ........................................................................................................................................................................ 153 COVERAGE AMOUNTS ............................................................................................................................................................................ 153 HOW THE PLAN WORKS ......................................................................................................................................................................... 153 WHEN BENEFITS END............................................................................................................................................................................. 155 WAIVER OF PREMIUM ............................................................................................................................................................................ 156 WHAT'S NOT COVERED .......................................................................................................................................................................... 156 HOW TO FILE A CLAIM............................................................................................................................................................................ 156 FOR MORE INFORMATION ...................................................................................................................................................................... 157 YOUR RETIREMENT BENEFITS ......................................................................................................................................................158 ABOUT THE DEFERRED COMPENSATION PLAN OPTIONS ................................................................................................................................ 158 STATE RETIREMENT AND PENSION SYSTEM ................................................................................................................................................. 164 EMPLOYEES' RETIREMENT SYSTEM OF BALTIMORE ....................................................................................................................................... 165 RETIREMENT SAVINGS PLAN .................................................................................................................................................................... 166 ENROLLING FOR RETIREE HEALTH BENEFITS ................................................................................................................................................ 167 HOW TO COORDINATE WITH MEDICARE (TEFRA) ....................................................................................................................................... 167 CONTACT INFORMATION......................................................................................................................................................................... 169 CONTINUATION OF COVERAGE FOR YOU AND YOUR DEPENDENTS (COBRA) ...............................................................................170 ABOUT COBRA CONTINUATION .............................................................................................................................................................. 170 COBRA CONTINUATION COVERAGE ......................................................................................................................................................... 170 COBRA QUALIFYING EVENTS .................................................................................................................................................................. 170 YOUR RESPONSIBILITY UNDER COBRA...................................................................................................................................................... 171 CITY SCHOOLS' RESPONSIBILITY UNDER COBRA ......................................................................................................................................... 171 LENGTH OF CONTINUATION COVERAGE ..................................................................................................................................................... 171 HOW TO ELECT COBRA ......................................................................................................................................................................... 172 INDIVIDUALS ELIGIBLE FOR FEDERAL TRADE ADJUSTMENT ASSISTANCE............................................................................................................. 172 IF YOU FAIL TO ELECT COBRA................................................................................................................................................................. 173 THE COST OF CONTINUATION COVERAGE ................................................................................................................................................... 173 LOSS OF CONTINUATION COVERAGE.......................................................................................................................................................... 173 PROOF OF INSURABILITY NOT REQUIRED FOR COBRA ................................................................................................................................. 174 IMPORTANT NOTICES ..................................................................................................................................................................174 NEWBORNS' AND MOTHERS' HEALTH PROTECTION ACT NOTICE .................................................................................................................... 174 WOMEN'S HEALTH AND CANCER RIGHTS ACT............................................................................................................................................. 174 NOTICE OF PRIVACY POLICY AND PROCEDURES............................................................................................................................................ 174 HEALTH INSURANCE MARKETPLACE COVERAGE OPTIONS AND YOUR HEALTH COVERAGE .................................................................................... 179
March 2019
This guide provides a high-level summary of your benefits. If there is any discrepancy between this guide and the official plan documents, the official plan documents will govern.
INTRODUCTION
Your City Schools Benefits
As a benefits-eligible Baltimore City Public School employee, you have access to a comprehensive and valuable benefits program that provides health, wellness, and financial benefits coverage. Some benefits are provided to you at no cost; while other benefits may be shared in the cost by you and City Schools. This guide is your source book for your Baltimore City Public Schools health, welfare, and retirement benefits. Use it to find basic information about coverage, eligibility, and benefits enrollment. For more detailed information, refer to the official plan documents and plan policies.
Following is a list of City Schools' benefits available to benefit-eligible employees.
Benefit Medical (including prescription drug coverage from Express Scripts)
Dental
Vision
Employee Assistance Program Flexible Spending Accounts
Life and Accidental Death and Dismemberment (AD&D)
Disability
Retirement
Your Options ? CareFirst BlueCross BlueShield Preferred Provider Plan
(PPN) ? BlueChoice Point-of-Service (POS) ? Kaiser Permanente Health Maintenance Organization
(HMO) ? CareFirst BlueCross BlueShield Major Medical ? CareFirst Dental Preferred Provider (DPPO) ? CareFirst Dental Health Maintenance Organization
(DHMO)
? National Vision Administrators Basic Plan ? National Vision Administrators Buy-Up Plan
? Beacon Health Options
? Medical Flexible Spending Account ? Dependent Care Flexible Spending Account
The Hartford: ? Basic Life and AD&D Insurance ? Supplemental Life and AD&D Insurance ? Spousal Life Insurance ? Child Life Insurance
? The Hartford Long Term Disability
? 403(b) Investment Plan through TSA Consulting Group ? 457(b) Investment Plan through TSA Consulting Group ? State Retirement and Pension System of Maryland
(SRPS) ? Employees' Retirement System of Baltimore (ERS) ? Retirement Savings Plan, RSP (07/01/2014)
Who Pays for Coverage ? You and City Schools share in the
cost for coverage in the PPN, POS, and HMO plans ? City Schools pays the full cost of coverage in the Major Medical plan
City Schools pays the full cost of DHMO coverage; you and City Schools share in the cost of DPPO coverage City Schools pays the full cost of basic coverage; you and City Schools share in the cost of buy-up coverage City Schools pays the full cost of coverage Your account is funded by your contributions; City Schools pays administrative costs ? Basic Life and AD&D Insurance: City
Schools pays the full cost of coverage ? Supplemental or Dependent coverage: You pay the full cost of coverage at group rates You pay the full cost of coverage at group rates ? Investment Plan accounts are funded by your contributions; City Schools pays administrative Costs ? SRPS funded by the State of Maryland ? ERS funded by the City of Baltimore ? RSP funded by the City of Baltimore, Nationwide
March 2019
This guide provides a high-level summary of your benefits. If there is any discrepancy
1
between this guide and the official plan documents, the official plan documents will govern.
INTRODUCTION
Eligibility
Who Is Eligible
Baltimore City Public Schools offers health, welfare, and retirement plans to eligible employees and their eligible dependents. All eligible permanent employees, either full-time or part-time, are entitled to enroll in the plans.
If Both Spouses are Eligible for City Schools' Benefits
Employees/retirees and their eligible dependents may only be enrolled in one City or City Schools medical, dental, prescription drug, and vision plan. This means that if you are a City or City Schools employee or retiree and your spouse is a City or City Schools employee/retiree, both of you cannot enroll in each other's medical, dental, prescription drug, and vision plan during the same plan year. However, you both may have separate policies under your own eligibility status. This same rule applies to eligible dependents.
Dependent Eligibility
City Schools health benefits guidelines require a dependent of an eligible employee to be one of the following:
? A spouse as recognized by the laws of the State of Maryland; ? An unmarried child of an employee until the end of the month in which the child reaches age 26*, when
the child is: - A child by birth; - A legally adopted child; - A stepchild residing with the employee; - A child residing with the employee and for whom the employee has legal guardianship; or - A related child for whom you are economic sole support as determined by City Schools; ? An unmarried child age 26 or older who is otherwise eligible, and who is incapable of self-support due to a mental or physical incapacity, as long as: - The disability is due to a mental or physical handicap which existed prior to and continuously since the
dependent's 19th birthday, or during a period of student coverage; - The child resides permanently with the employee and the employee provides 50% or more of the
child's financial support; - The child is currently enrolled in one of the City Schools' plans; and - You have completed a Disability Qualification Questionnaire and it is approved by the health plan. You
may be asked to complete the Disability Qualification Questionnaire again from time to time by the health plan.
*All plans allow unmarried dependent children to be covered up to the end of the month in which they turn age 26.
March 2019
This guide provides a high-level summary of your benefits. If there is any discrepancy
2
between this guide and the official plan documents, the official plan documents will govern.
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