Open Enrollment Employee Benefits Presentation for The King’s Academy Presented by
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Transcript of Open Enrollment Employee Benefits Presentation for The King’s Academy Presented by
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Open Enrollment Employee Benefits Presentation
for
The King’s AcademyPresented by
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BenefitEdge Insurance Services, Inc.
(888) 995-EDGE (3343)(408) 995-EDGE (3343)www.benefitedge.net
Lic#0F37564
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Who is BenefitEdge Insurance?
We are the Employee Benefits Broker for your Medical, Dental, Vision, & Life Insurance Plans
We will work in support of your HR team in resolving any benefit related issues throughout the year
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Servicing Reminder for 2010Website Address:
www.tkabenefits.comEmail:
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2010 Benefit Enhancements Keeping the same medical, dental carriers and plans Contributions are only going up slightly HSA funding will remain Voluntary vision insurance plan
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Medical Insurance
This is open enrollment and your opportunity to make changes to your plans
Any requested changes after open enrollment will require a “qualifying event”.
Any changes will take effect on October 1, 2010.
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Medical Insurance
There are currently medical insurance plan options provided through two different insurance carriers – Kaiser Permanente & Blue Shield of California
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Medical Insurance - HMO Kaiser plan, you have to use their facilities
Blue Shield - You must use a primary care physician (PCP) for each of your family members
Your PCP will provide all of your routine care and with a few exceptions, must provide a referral in order for you to receive care from a specialist
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HMO OPTIONS Kaiser HMO Blue Shield HMO
Group Numbers 602375 H30932Plan $20 Plan $20 PlanDeductible None None Physician's Office CareOffice Visit Copay $20 $20 Routine Physicals $20 $20 Well Baby Care $5 (0-23mos.) $20 Labs and X-rays No Charge No ChargeChiropractic $15 Copay - 30 visits $10 Copay - 30 visits Prescription DrugsGeneric $10 $10 Brand Name $30 $25 Hospital CareIn-Patient Hospital $500 / admit $250 / admit + 25%Out-Patient Services $20 / procedure $125 / surgery + 25%Hospital Emergency $100 / visit $100 / visit Maximum Out-of-PocketIndividual $1,500 $3,000 Family $3,000 $9,000 Max. Lifetime Benefit Unlimited No Maximum
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Blue Shield – With the PPO plan you can see any doctor of your choice and will save money using a contracted provider
You have access to a larger network of doctors and also allows you to use non-contract physicians at a reduced coverage level
You do not need a referral to use a specialist. You may “self direct” your care as needed
Medical Insurance - PPO
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PPO OPTIONS Blue Shield Spectrum PPO 500-90/70Group Numbers 920782Plan Contracted Providers Non-Contract ProvidersDeductible $500 Single, $1,000 2 Person, $1,500 Family Physician's Office CareOffice Visit Copay $15 (Deductible Waived) 30%Routine Physicals $15 (Deductible Waived) Not CoveredWell Baby Care $15 (Deductible Waived) Not CoveredLabs and X-rays $15 30%Chiropractic $25 Copay - 12 visits 30% Prescription DrugsGeneric $10 Brand Name $25 Hospital CareIn-Patient Hospital 10% 30%Out-Patient Services 10% 30%Hospital Emergency 10% 30% Maximum Out-of-PocketIndividual $2,000 $5,000 Family $4,000 x 2, $6,000 Fam $10,000 x 2, $15,000 FamMax. Lifetime Benefit $6,000,000
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Health Savings Account (H.S.A.)
What is an H.S.A?
Health Savings Accounts are tax-exempt accounts where funds grow to pay for medical expenses. They were created to help give control back to consumers and lower healthcare costs.
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2 Parts
1. A High Deductible, IRS Approved Health Plan
2. A Health Savings Account (Bank Account)
Intended to cover serious illness or injury once the deductible has been met.
Used to cover all IRS approved medical expenses until the deductible is met.
Health Savings Account (H.S.A.)
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Part 1
PPO OPTIONS Kaiser $1,500 H.S.A. Blue Shield Spectrum Savings 1500 H.S.A.Group Numbers 602375 920914
Plan $1,500 DHMO Contracted Providers Non-Contract ProvidersDeductible $1,500 Single, $3,000 Fam $1,500 Single, $3,000 Family (2 or more) Physician's Office CareOffice Visit Copay No Charge after Deductible 20% 40%Routine Physicals No Charge 20% 40%Well Baby Care No Charge No Charge Not CoveredLabs and X-rays No Charge No Charge Not CoveredChiropractic Not Available 20% 40% Prescription DrugsGeneric No Charge after Deductible $10 25% + $10Brand Name No Charge after Deductible $25 25% + $25 Hospital CareIn-Patient Hospital No Charge after Deductible 20% 40%Out-Patient Services No Charge after Deductible 20% 40%Hospital Emergency No Charge after Deductible 20% 20% Maximum Out-of-PocketIndividual $1,500 $4,500
Family $3,000 $9,000 Max. Lifetime Benefit Unlimited $6,000,000
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Health Savings Account (H.S.A.)Funds are deposited into your account
Funds deposited and not used remain in your account and they roll over every year
Your HSA funds can be used for any medically necessary expenses per IRS rules.
Part 2
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Health Savings Account (H.S.A.)Who is Eligible?
Members covered by an HSA-compatible, IRS approved plan
Who is Not Eligible?
Anyone enrolled in Medicare or 65 or older
Part 2
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Acupuncture Chiropractic Blood testsBlood transfusionsContact Lenses Dental, Dental X-rays, DenturesDrugs (prescription) EyeglassesGum treatment
***Also pays for COBRA, long term care and Medicare part B & D premiums.
APPENDIX: SAMPLE OF HSA QUALIFIED EXPENSES (Short List)Source: IRS Code Sec 213(d) Publication 502 (WWW.IRS.GOV)
Hearing aids Hospital billsInsulin Lab testsOpticianOptometristOral surgeryPrenatal carePsychotherapyVaccinesVitamins (if prescribed)X-rays
Part 2
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Accessing Funds
Signature Based Debit Visa Card Received 2-3 weeks after account set up
Online AccessRegister for the site with SS#, Debit Card #, Zip CodeTrack deposits, balances, and payments
Part 2
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Health Savings Account Limits
Part 2
H.S.A. Deposit Limits Per IRS Code
2010-2011 Plan Year IRS Annual Limit
Single $3,050Family (2 or more) $6,150Catch-UP (55 or older) $1,000
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TKA Contribution Annually
Part 2
Health Savings Acct TKA ContributionEmployee
$500Employee + Spouse
$1,000Employee + Child(ren)
$1,000Employee + Child(ren)
$1,000
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Part 2
HSA Comparison
Items for Consideration before making a change: Your monthly contributions from your paycheck Amount you typically spend out of pocket on
your medical expenses per year Medical plan deductibles Medical plan out-of-pocket maximums
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HSA vs. HMO – Example 1 – Employee Only Coverage
Current Plan HMO 20 HSA Plan 1500
ACurrent Deductible $0 ADeductible $1,500
BOut-of-Pocket Max $1,500 Out-of-Pocket Max $1,500
EE Monthly Cost $55 EE Monthly Cost $10
CAnnual Cost $660 BAnnual Cost $120
Savings from HMO $540
TKA HSA Contribution $0 TKA HSA Contribution $500
C Total $1,040
Annual Scenarios Annual Scenarios
Worst Case (A+B+C) $2,160 Worst Case (A+B-C) $460
Low Utilization $1,310 Low Utilization -$220
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HSA vs. HMO – Example 2 – Employee + Spouse Coverage
Current Plan HMO 20 HSA Plan 1500
ACurrent Deductible $0 ADeductible $3,000
BOut-of-Pocket Max $3,000 Out-of-Pocket Max $3,000
EE Monthly Cost $121 EE Monthly Cost $20
CAnnual Cost $1,452 BAnnual Cost $240
Savings from HMO $1,212
TKA HSA Contribution $0 TKA HSA Contribution $1,000
C Total $2,212
Annual Scenarios Annual Scenarios
Worst Case (A+B+C) $1,952 Worst Case (A+B-C) $1,028
Low Utilization $1,452 Low Utilization -$1,622
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HSA vs. HMO – Example 3 – Employee Only Coverage
Current Plan HMO 20 HSA Plan 1500
ACurrent Deductible $0 ADeductible $1,500
BOut-of-Pocket Max $3,000 BOut-of-Pocket Max $3,000
EE Monthly Cost $116 EE Monthly Cost $25
CAnnual Cost $1,392 CAnnual Cost $300
Savings from HMO $1,092
TKA HSA Contribution $0 TKA HSA Contribution $500
D Total $1,592
Annual Scenarios Annual Scenarios
Worst Case (A+B+C) $4,392 Worst Case (A+B+C-D) -$92
Low Utilization $2,042 Low Utilization $308
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HSA vs. HMO – Example 4 – Employee + Children
Current Plan HMO 20 HSA Plan 1500
ACurrent Deductible $0 ADeductible $3,000
BOut-of-Pocket Max $9,000 BOut-of-Pocket Max $6,000
EE Monthly Cost $114 EE Monthly Cost $35
CAnnual Cost $1,368 CAnnual Cost $420
Savings from HMO $948
TKA HSA Contribution $0 TKA HSA Contribution $1,000
D Total $1,948
Annual Scenarios Annual Scenarios
Worst Case (A+B+C) $10,368 Worst Case (A+B+C-D) $7,472
Low Utilization $1,368 Low Utilization -$228
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HSA vs. PPO – Example 5 – Employee + SpouseCurrent Plan PPO 30 HSA Plan 1500
ACurrent Deductible $1,000 ADeductible $3,000
BOut-of-Pocket Max $4,000 BOut-of-Pocket Max $6,000
EE Monthly Cost $226 EE Monthly Cost $35
CAnnual Cost $2,712 CAnnual Cost $420
Savings from PPO $2,292
TKA HSA Contribution $0 TKA HSA Contribution $1,000
D Total $3,292
Annual Scenarios Annual Scenarios
Worst Case (A+B+C) $7,712 Worst Case (A+B+C-D) $6,128
Low Utilization $3,712 Low Utilization -$1,572
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HSA vs. PPO – Example 6 – Employee + Family
Current Plan PPO 30 HSA Plan 1500
ACurrent Deductible $1,500 ADeductible $3,000
BOut-of-Pocket Max $6,000 BOut-of-Pocket Max $6,000
EE Monthly Cost $486 EE Monthly Cost $35
CAnnual Cost $5,832 CAnnual Cost $420
Savings from PPO $5,412
TKA HSA Contribution $0 TKA HSA Contribution $1,000
D Total $6,412
Annual Scenarios Annual Scenarios
Worst Case (A+B+C) $13,332 Worst Case (A+B+C-D) $3,008
Low Utilization $7,332 Low Utilization -$4,692
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Dental Insurance – Guardian
Guardian Dental PPO $50 deductible which is waived for preventive care. Calendar year maximum out-of-pocket is $1,500 In
Network and $1,000 Out -of-network. Preventive services are covered at 100% Rollover Benefit – 2011 calendar year
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Dental Insurance – Guardian
Preventive Advantage - ReminderMembers can access preventive care without having the
benefit deducted from their annual maximum.The entire annual maximum amount is preserved for other
dental needsExamples of preventive items - Oral exams, cleanings, x-
rays, fluoride treatments
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* UCR (Usual, Customary, Reasonable)
Dental PPO Guardian Dental, Group # 441291Benefits Contracted Provider Non-Contract ProviderCalendar Year Max. Benefit $1,500 $1,000 Calendar Year Deductible $50 Per Member, 3 Per Family
Preventive Services: 100% 80% (Subject to UCR)
Exam, X-rays, Cleaning Deductible Waived
General/Basic Services: 80% 70% (Subject to UCR)Fillings, Endodontic, Perio. Major Services: 50% 40% (Subject to UCR)Crowns, Bridges, Dentures Orthodontic Services: 50% 50% (Subject to UCR)Child and Adult Orthodontics Lifetime Max $1,000 Maximum Rollover Threshold $500, In network $350 ($250 Out), limit $1,000
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DHMO Option
Dental DHMO Guardian Dental, Group # 441291
Calendar Year Max. Benefit(Unlimited) See The Guardian
Employee Booklet Page 7Calendar Year Deductible $0, Select a Primary Care Dentist
Preventive Care
$0 for Cleanings and Exams$20 for Periodontal Maintenance
$5 for Sealants
Basic Care
$5 for Fillings$235 Periodontal Surgery$80-175 for Root Canals
Major Care
$220-255 Bridges and Dentures$80-155 Inlays, Veneers
$180 Single Crowns
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Vision Discount Plan
Vision Discount Plan Incl w/ Guardian or Blue Shield
Included 15% - 20% Discount
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NEW Voluntary Vision Insurance – Guardian VSP
Guardian VSP, Group # 458105Benefits Contract Provider Non-Contract ProvdrExams $10.00 Materials $25.00 Lenses Single Vision Covered in Full $47 Bifocal Covered in Full $66 Trifocal Covered in Full $85 Contacts Medically Nec. Contacts Covered in Full $210 Cosmetic $120 Allowance $120 Frames $120 + 20% $47
Benefit FrequencyExam Every 12 Months Lenses Every 24 Months Frames Every 24 Months
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Basic Life Insurance Plan
Guardian Life Insurance-Employee Only
$15,000 Flat Basic Life Ins. w/ AD&DPaid by TKA
Group # 441291
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Colonial Voluntary Products
These Plans are available on a VOLUNTARY basis
DISABILITY
ACCIDENT
LIFE INSURANCE - TERM & UNIVERSAL
MEDICAL BRIDGE - HMO & HSA
CANCER
CRITICAL ILLNESS
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Additional BenefitsOptional FSA Plan Available
Personal Pre-Tax Contributions may be made to your FSA up to $2,000
If the eligible employee elects not to receive the medical insurance benefit, a $500 unreimbursed medical allotment is
available upon request.
Pension Plan In July of 2005, The King's Academy initiated a retirement plan for all full- time employees. This program is being administered through Envoy Financial. During the 2010-2011 school year TKA will contribute 2% of each eligible individual’s base salary or hourly compensation to a 403(b) account in that employee’s name. A matching 2% is also available when the employee contributes 2% or more to this fund. Eligibility for this plan begins after twelve months of employment. Additional voluntary contributions may be made by the employee to their 403(b) account administered by Envoy Financial. Please contact Envoy @ 1-888-879-1376 to initiate this benefit.
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Employee Resource Online System
Personal Benefits Portal Access to all of your plan and benefit
information at any time View benefit summaries, carrier
information and websites, & contributions
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Employee Resource Online SystemSTEP 1
Click on the link provided in the email from the HR Department
Enter your Username = first initial and last name (no spaces/no hyphens, up to 10 characters)
Enter your Password = last four digits of your social security number or the password you previously setup
Review your personal information on the My Family page. It is important to review all of your personal information
to ensure accuracy
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Steps1. Click the Make
Changes link to update your personal info. You can also change your password in this area.
2. Click here to add your spouse.
3. Click here to add your dependents.
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STEP 2Enroll in your benefitsIf your enrollments have not been previously set up in the system, you can make your selections by following the instructions below:1. Click a link under the Benefits menu to review a particular category of
benefits.2. In each benefit block, make a selection from your list of Manage Benefit
options and click Go.
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STEP 3Change existing benefitsYour current elections will appear in a similar fashion as shown in the picture below. To make a change, select an option from the list in the Manage Benefit section and click Change.
1. Click here to select a Manage Benefits option, then click Go. The system will guide you through the process of making changes to your elections.
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STEP 4Finalize your changes, then approve them
You can review your changes during the log out process
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Making Your Enrollment Changes
All enrollment changes will be made using the BeneTrac system
Changes must be made between September 6th – 15th
All Employees must log in and confirm their personal information and elections for 2010-2011
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Thank you for your time.
Please make sure to make your changes online between September 6th - 15th
We look forward to serving you and helping with any benefit related issues.
Please don’t hesitate to call.
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Frequently Asked Questions:How long will it take to receive my cards? It will take 2-3 weeks
What if I need to see a Doctor? If you need to see a Doctor before you receive your member cards, you may have your doctor contact our office to verify coverage. Also, the temporary card will suffice until the permanent one arrives.
What if I need a prescription? Try to refill prescription prior to September 30th if you are changing plans or carriers. If you need a prescription before you receive your member cards, you may need to pay the cost of the prescription and then do one of the following;
1. If you receive your member card with 1-2 weeks of purchasing the prescription, most pharmacies will allow you to present your member card and they will provide you with a refund.
2. If the pharmacy will not refund your cost, you can submit a claim directly to the insurance carrier. We will provide you with the claim form and assist you.