Your Quincy Public Schools

Benefits

For coverage effective:

9/1/17 – 8/31/18

Open Enrollment: 8/1/17 -8/18/17

Online Self-Enroll will be available during the entire Open Enrollment Period. You may also meet with an

Account Manager to enroll.

To Self-Enroll for your 17-18 benefits, go to

www.afenroll.com/enroll Username = social security number (SSN)

Pin = last 4 digits of SSN + 2 digit year of birth Example: SSN 123-45-6789 and date of birth 1/31/1958

Username = 123456789, PIN = 678958

At Quincy Public Schools, we know our success depends on our people. One of the ways we reward you for your contributions is by offering comprehensive, high-quality benefits at a reasonable cost. These benefits are designed to protect your health, your family, and your wealth and they’re a valuable part of the total income package Quincy Public Schools offers. For the 2017-2018, we are proud to announce two new vendors:

HealthSCOPE Benefits and MedWatch. Beginning September 1, 2017, HealthSCOPE Benefits will be the new claims administrator (replacing Meritain). HealthSCOPE Benefits is bringing many cost savings opportunities through their network and vendor partner relationships. In additional to the claims administration services, HealthSCOPE Benefits will also manage the plan’s eligibility, ID cards, and offer the Customer Care Unit (replacing Care Coordinators). Also effective September 1, 2017, MedWatch will provide Utilization Management (pre-certification) and Case Management services to the members of Egyptian Trust. Your benefit plans require certain medical procedures to be pre-certified. This process helps ensure that you are receiving appropriate, high quality care at the most appropriate time and at the best possible price. Should you be in need of Case Management, the MedWatch team of professional nurse case managers will work with you, your physicians and your family as appropriate to help navigate the multitude of care and treatment options that may be available and help achieve the best possible outcomes. Please read these materials carefully and refer to them throughout the year when you have questions about your Quincy Public Schools benefits program. For more detailed information about your benefit options, please see the Summary Plan Descriptions and other plan documents located on the QPS website at www.qps.org, Human Resources, Benefits or benefits.americanfidelity.com/Quincy-Public-Schools.

As we did last year, ALL eligible employees are required to go through this online enrollment process to elect or maintain current benefits. In order to have benefits beginning September 1, 2017, you MUST TAKE ACTION between August 1 and August 18, 2017. If you are a new hire, you must enroll within 30 days of your start date. If you fail to enroll by your deadline, you will only have the employer paid basic life insurance of $10,000. NEW INFORMATION ON SPOUSE COVERAGE:

Effective January 1, 2018, if the spouse of a staff member is not an employee of the District, and is eligible for group health insurance coverage through his/her employer’s medical/health insurance plan, then he/she is not eligible to participate in the group medical/health insurance plan offered by the District to Staff Members. Children and/or qualified dependents of the Staff Member are eligible to participate in the group medical/health insurance plan offered by the District to Staff Members. ENROLLMENT SUPPORT & TIME PERIODS

For the 2017-2018 benefits plan year, employees will have two enrollment options: Online self-enrollment or Assisted enrollment.

• Option 1 – Self-Enrollment: August 1 –August 18

During the self-enrollment time period, you may enroll online in your selected medical, dental, vision and supplementary employee benefits. You can do this by using our online enrollment system to walk you through the process.

• Option 2 – Assisted Enrollment: August 1 –August 18

If you did not enroll in your benefits using option 1, you can take advantage of a one-on-one meeting to review core and supplementary benefits options. To schedule a meeting, please go to https://benefits.americanfidelity.com/quincy-cusd-172 and click “schedule an appointment” or call Teresa Kemp at 228-7158 ext. 2244.

Please take some time to read this guide before attending an assisted enrollment meeting and/or completing your online enrollment forms. A little preparation will go a long way in helping you make the most of your benefits package selection.

Table of Contents

Online Enrollment Instructions………………………….… 5

Assisted Enrollment Meetings….................................… 6

Your Benefits……………………………………………….. 7

Questions…………………………………………………… 9

Medical Plans…………..........…………………….…….… 10

Medical Premiums………………………………………… 11

Dental Plan…………………………………………………. 12

Vision Plan………………………….................................. 14

Supplementary Benefits…………………........................ 16

Life and AD&D Insurance…………................................. 19

Flexible Spending Accounts (FSAs)……........................ 21

Health Savings Accounts (HSAs)…...…………………… 23

Horace Mann Auto & Home Insurance………………….. 26

Employee Assistance Program (EAP)...………………… 27

403b Program………………………................................ 28

Blessing Diabetes Management…................................. 29

Legal Notices………………………................................. 30

Medicare Part D Notices………………………………….. 33

Online Self-Enroll: 8/1/7 – 8/18/17

How to Login

1. To access the online enrollment site, go to www.afenroll.com/enroll

2. At the login screen, you will enter the site using the following information:

• Type in your user ID: Type in your Social Security Number (SSN)

• Type in your PIN: Your PIN is the last four digits of your SSN and the last two digits of your birth year.

3. Click the “Log On” button

Helpful Tips

• Log Out: If you leave the site in the middle of the process, click the “Log Out” button to save your selections. When you return, you can scroll your mouse over the menus at the top of the screen to easily navigate throughout the site.

• Print Confirmation: Be sure to print your confirmation. Once you confirm your enrollment, you may click on the confirmation link at the bottom of the “Sign/Submit Complete” to print your confirmation statement.

• Changes: You may re-enter the enrollment site to make changes at any time during your enrollment period. Please note: Before you exit the system, you must re-confirm with your PIN or your enrollment will not be valid.

• Opting Out: If you choose not to select benefits, you must enter each product module and make that choice.

• Required: Social Security Number and Date of Birth are required for all employees and their dependents.

• PIN: Your PIN is your electronic signature. You will use your PIN to confirm applications and your enrollment confirmation.

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Assisted Enrollment Meetings

If you would like a one-on-one meeting with an Account Manager, please go to https://benefits.americanfidelity.com/quincy-cusd-172 and click “schedule an appointment” or call Teresa Kemp at 228-7158 ext. 2244. Here is the building schedule:

Location Date & Time Location Date & Time

BOE Conf. Rm #230

Tue, August 8 Wed, August 9 Thu, August 10 8:00 – 4:00

Employees are encouraged to attend a meeting at the BOE Aug 8 – 10 before school begins to complete their enrollment.

Adams Faculty lounge

Fri, August 18 8:00 – 4:00

Washington Fri, August 18 8:00 – 4:00

Berrian Teacher work room

Fri, August 18 8:00 – 4:00

Baldwin Fri, August 18 8:00 – 4:00

Dewey Resource Room

Fri, August 18 8:00 – 4:00

Junior High Room #305 (inside the library)

Wed, August 16 8:00 – 4:00

Ellington Staff Lunchroom

Thu, August 17 8:00 – 4:00

QHS / QAVTC Teacher cafeteria

Wed, August 16 8:00 – 4:00

Lincoln-Douglas Fri, August 18 8:00 – 4:00

ECFC Room #202

Wed, August 16 8:00 – 4:00

Madison Teacher’s Lounge

Thu, August 17 8:00 – 4:00

DOT (meetings held at BOE Rm #230)

Wed, August 16 8:00 – 4:00

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Your Benefits

Your Benefits Package

As a Quincy Public Schools employee, you’re eligible for a number of great benefits, including:

• Medical and prescription coverage through Egyptian Trust

• Dental coverage through Ameritas Dental

• Vision coverage through Eye Med

• American Fidelity supplementary benefits

• Life and Accidental Death & Dismemberment Insurance through One America

• Health Care and Dependent Care Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) through American Fidelity

• Employee Assistance program through ComPsych

• 403b program

• Diabetes management program through Blessing

Effective Date for Coverage

• For Open Enrollment –All Coverage begins 9/1/17

• For New Hires –Medical coverage begins on your start date, Flexible spending begins on your start date, Dental, Vision, Voluntary Life and American Fidelity products begin the first of the month following your start date.

Participating in the Plans

Some of these benefits are provided automatically to you at no cost as a QPS employee. Others you’ll need to enroll when you first become eligible or during the annual Open Enrollment period. To get the most value from your benefits, we encourage you to take the time to make thoughtful decisions about the needs of you and your family. This guide along with our web-based enrollment system and the QPS website are the tools provided to help you make informed benefit choices.

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Your Benefits

If you do not elect coverage when you are first eligible or during Open Enrollment, you will not have an opportunity to enroll or make changes again until the next annual Open Enrollment period unless you have a Qualified Status Event such as:

• Marriage, divorce, legal separation

• Birth, adoption or placement for adoption

• Death of a dependent

• Change in full-time or part-time employment status for employee or spouse.

• Loss of other group health plan coverage

• Qualification or loss of Medical Assistance (Medicaid) or Children’s Health Insurance Program (CHIP) coverage

Important Notice –Qualifying Status Event / Mid-year Changes

You are required to report a qualifying status event to

the Benefits Coordinator within 31 days of the event for changes to take effect.

Use the “Benefits Change Form” on the QPS website

for this notification. If you fail to notify the Benefits Coordinator of the change within the 31 days, you will not be able to make the change until the next annual

Open Enrollment.

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Questions?

You may contact the carriers listed here with questions about the coverage offered.

Provider Phone Website / Email

HealthSCOPE Benefits:

• Health plan questions

• Claims questions/status

• Request ID card (Medical, Dental or vision)

• Find a network provider

800-397-9598 www.egtrust.org

or www.healthscopebenefits.com

Teladoc – Telephonic doctor visit

800-362-2667 www.mydrconsult.com

Express Scripts – RX 800-706-1754 www.egtrust.org

or www.express-scripts.com

Ameritas Dental 800-487-5553 www.ameritas.com

Eye Med Vision 866-804-0982 www.eyemed.com

American Fidelity – supplementary products

800-654-8489 www.americanfidelity.com

One America – life insurance

800-553-5318 www.employeebenefits.aul.com

Flexible Spending 800-654-8489 www.americanfidelity.com

HSA Contributions 866-326-3600 www.afhsa.com

ComPsych – Employee Assistance Program

855-387-9727 www.guidanceresources.com

Company Web ID: ONEAMERICA3

Blessing Diabetes Mgmt Program

217-223-1200 ext. 5900

QPS Benefits Coor – Teresa Kemp

217-228-7158 ext 2244

Email – kempte@qps.org

QPS Website www.qps.org, Human Resources, Benefits

hone Website / Email

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Quincy Public Schools - 2017 Benefit Schedules

All charges are subject to the calendar year deductible unless otherwise specified.

Plan M7

Plan M8

Plan M3 Plan H1

(HSA Qualified Plan) *

Plan H4

(HSA Qualified Plan) **

Deductible

Individual

Family

$600

$1,800

$1,100

$3,300

$2,500

$5,000

$2,100

$4,200

$3,600

$7,200

Out of Pocket Maximum

Individual

Family

$1,300

$3,900

$2,300

$6,900

$3,500

$7,000

$2,100

$4,200

$3,600

$7,200

Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited

Reimbursement 85% 80% 85% 100% 100%

Inpatient Hospital

(Illness or Injury)

$250 then

85%

$250 then

80%

85%

100%

100%

Outpatient Surgery

$250 then

85%

$250 then

80%

85%

100%

100%

Primary Doctor (PCP)

Office Visit

$25 copay

then 100%

no deductible

$25 copay

then 100%

no deductible

$25 copay

then 100%

no deductible

100%

100%

Specialist Office Visit

$30 copay

then 100%

no deductible

$30 copay

then 100%

no deductible

$30 copay

then 100%

no deductible

100%

100%

Emergency Room

$300 Copay

then 85%,

no deductible

$300 Copay

then 85%,

no deductible

$300 Copay

then 85%,

no deductible

100%

100%

Urgent Care Facility

Facility Charges

Physician Charges

$40 Copay

then 90%, no deductible

90%

$40 Copay

then 90%, no deductible

90%

$40 Copay

then 90%, no deductible

90%

100%

100%

100%

100%

Drug Card

Retail 90 day

Retail after Home Delivery

30 days first 2 fills up to 90 days

Retail 90 day

Retail after Home Delivery

30 days first 2 fills up to 90 days

Retail 90 day

Retail after Home Delivery

30 days first 2 fills up to 90 days

Prescription Plan

Prescription Plan

Generic

Formulary

Non-Formulary

Preventive Care Drugs (HHS classification)

Oral & Injectable Specialty Drugs

$12 $36 $30

$25 $85 $55

$40 $130 $100

100%, No deductible

Copay plus 3%

All specialty drugs (oral and injectable) will have a

maximum copay of $150 per month

$12 $36 $30

$25 $85 $55

$40 $130 $100

100%, No deductible

Copay plus 3%

All specialty drugs (oral and injectable) will have a

maximum copay of $150 per month

$12 $36 $30

$25 $85 $55

$40 $130 $100

100%, No deductible

Copay plus 3%

All specialty drugs (oral and injectable) will have a

maximum copay of $150 per month

100%

100%

100%

100%, No deductible

Copay plus 3%

All specialty drugs (oral and injectable) will have a

maximum copay of $150 per month

100%

100%

100%

100%, no deductible

Copay plus 3%

All specialty drugs (oral and injectable) will have a

maximum copay of $150 per month

RATES

Employee Only Employee +

Spouse Employee+Child or

Children Family

$719

$1,510

$1,238

$2,029

$680

$1,456

$1,193

$1,994

$647

$1,360

$1,114

$1,827

$612

$1,283

$1,053

$1,726

$554

$1,162

$954

$1,564

Note:

* H1 is a High Deductible Health Plan, designed to qualify for use with a Health Savings Account (HSA). All benefits except benefits for preventive care (as defined under IRS rules) are subject to the Calendar Year Deductible. If you enrolled for Employee Only health

coverage, you must pay 100% of the discounted charge for each covered service until you satisfy the Individual Calendar Year Deductible. If you are enrolled for Employee + Spouse, Employee + Child(ren) or Family health coverage you must pay 100% of the

discounted charge until your covered family members satisfy the Family Calendar Year Deductible. This includes prescription drugs. The Plan will then pay 100% of the cost of your covered charges for the remainder of the year.

** H4 is a High Deductible Health Plan, designed to qualify for use with a Health Savings Account (HSA). All benefits except benefits for preventive care (as defined under IRS rules) are subject to the Calendar Year Deductible. If you enrolled for Employee Only health

coverage, you must pay 100% of the discounted charge for each covered service until you satisfy the Individual Calendar Year Deductible. If you are enrolled for Employee + Spouse, Employee + Child(ren) or Family health coverage each individual in a family is not

required to contribute more than the single Deductible/Out of Pocket Maximum before the Plan will pay 100% of covered expenses for that individual.

Medical Plan Premiums

10 The monthly premiums are determined by the number of hours worked per day or per week.

Coverage Type M7

PPO $600

M8 PPO

$1100

M3 PPO

$2500

H1 HDHP $2100

H4 HDHP $3600

Single Coverage Hours Daily Weekly 6.0 30.0 5.5 27.5 5.0 25.0 4.5 22.5 4.0 20.0

$129.42 $176.59 $229.65 $276.81 $323.98

$102.00 $148.24 $200.26 $246.50 $292.74

$77.64 $123.19 $174.43 $219.98 $265.53

$36.78 $82.88

$134.74 $180.83 $226.93

$27.70 $69.80

$117.17 $159.27 $201.38

Employee + Spouse Coverage Hours Daily Weekly 6.0 30.0 5.5 27.5 5.0 25.0 4.5 22.5 4.0 20.0

$498.30 $579.24 $670.29 $751.22 $832.16

$364.00 $451.36 $549.64 $637.00 $724.36

$272.00 $359.04 $456.96 $544.00 $631.04

$192.45 $279.69 $377.84 $465.09 $552.33

$116.20 $199.86 $293.99 $377.65 $461.31

Employee + Child(ren) Coverage Hours Daily Weekly 6.0 30.0 5.5 27.5 5.0 25.0 4.5 22.5 4.0 20.0

$408.54 $474.90 $549.55 $615.90 $682.26

$298.25 $369.83 $450.36 $521.94 $593.52

$222.80 $294.10 $374.30 $445.60 $516.90

$157.95 $229.55 $310.11 $381.71 $453.32

$95.40 $164.09 $241.36 $310.05 $378.74

Employee + Family Coverage Hours Daily Weekly 6.0 30.0 5.5 27.5 5.0 25.0 4.5 22.5 4.0 20.0

$669.57 $778.32 $900.67

$1009.43 $1118.18

$498.50 $618.14 $752.73 $872.37 $992.01

$365.40 $482.33 $613.87 $730.80 $847.73

$258.90 $376.27 $508.31 $625.67 $743.04

$156.40 $269.01 $395.69 $508.30 $620.91

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The premiums listed are those from the original proposal. These premium figures may change with contract negotiations. You will elect your medical plan now, during open enrollment, but once the contract is finalized, you will be allowed to change medical plans.

Plan 1: Dental Plan Summary Effective Date: 9/1/2017

Plan Benefit Type 1 Type 2 Type 3

Deductible Maximum (per person) Allowance Type 1 Allowance Type 2 Allowance Type 3

Dental Rewards®

Ameritas Rewards SM

Annual Eye Exam

High Plan Low Plan

80% 70% N/A

$50/Calendar Year Type 2 $10/visit Type 1

3 Family Maximum

$750 per calendar year 90th U&C

Maximum Procedure Allowance

None

Included

N/A

None

100% 80% 50%

$50/Calendar Year Type 2 & 3 $10/visit Type 1

3 Family Maximum

$1500 per calendar year 90th U&C

Maximum Procedure Allowance

Maximum Procedure Allowance

Included

Included

None

Orthodontia Summary - Child Only Coverage

Allowance Plan Benefit Lifetime Maximum (per

U&C No Ortho

50%

$1,000

person) Ameritas Rewards

SM

Lifetime (per person) Waiting Period

$100

n/a

Sample Procedure Listing (Current Dental Terminology © American Dental Association.)

Type 1 Type 2 Type 3 (High Plan Only)

Routine Exam

(2 per benefit period)

Bitewing X-rays

(2 per benefit period)

Full Mouth/Panoramic X-rays

(1 in 3 years)

Periapical X-rays

Cleaning

(2 per benefit period)

Fluoride for Children 18 and under

(1 per benefit period)

Sealants (age 16 and under)

Space Maintainers

Restorative Amalgams

Restorative Composites

Endodontics (nonsurgical)

Endodontics (surgical)

Periodontics (nonsurgical)

Periodontics (surgical)

Denture Repair

Simple Extractions

Complex Extractions

Anesthesia

Onlays

Crowns

(1 in 5 years per tooth)

Crown Repair

Implants

Prosthodontics (fixed bridge; removable

complete/partial dentures)

(1 in 5 years)

U&C Disclosure

Usual and Customary (“U&C”) describes those dental charges that we have determined to be the usual and customary charge for a given dental procedure within a particular ZIP code area. U&C levels are based on experience from the Company and an independent outside source of claim charge information.

Maximum Procedure Allowance (WPA)

* With MPA, the plan allowance for each covered procedure is established according to the median dentist charges in the ZIP Code area where the services are provided. * Keeps cost-conscious plan members from subsidizing those who use more expensive dentists.

* Reimbursement allowances automatically adjust if there’s an increase or decrease in the overall charges in the area.

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Ameritas Dental Highlight Sheet

Monthly Rates High Plan Low Plan

Employee Only (EE) EE + 1 Dependent EE + 2 or more Dependents

$35.96 $14.76

$28.84

$55.44

$67.84

$99.48

Ameritas RewardsSM

(Feature with High Plan)

Ameritas Rewards is an enhanced product that offers an increased maximum for hearing, LASIK, orthodontia and vision as well as dental. It allows members to utilize unused dental maximum carryover amounts from previous years towards dental benefits or other lines of coverage included in a plan. Employees and their covered dependents may accumulate dental rewards with an unlimited maximum carryover amount. These rewards can be used to increase the maximum for the other lines of coverage which can then be used for certain covered services or materials subject to applicable deductible, coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. A member is eligible to earn rewards again the next year.

Benefit Threshold $750 Dental benefits received for the year cannot exceed this amount

Annual Carryover Amount $250 Ameritas Rewards amount is added to the following year's maximum

Annual PPO Bonus $150 Additional bonus is earned if the member sees a network provider

Maximum Carryover Unlimited Maximum possible accumulation for Dental Rewards and PPO Bonus combined

Dental Rewards® (Feature with Low Plan)

This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year. .

Benefit Threshold $250 Dental benefits received for the year cannot exceed this amount

Annual Carryover Amount $125 Dental Rewards amount is added to the following year's maximum

Annual PPO Bonus $ 50 Additional bonus is earned if the member sees a network provider

Maximum Carryover $500 Maximum possible accumulation for Dental Rewards and PPO Bonus combined

Dental Network Information

Both the High and Low Plan have the freedom to use any licensed dental provider. However, both plans include access to the Ameritas PPO Network. To find a provider, visit ameritas.com and select FIND A PROVIDER, then DENTAL. Enter your criteria

to search by location or for a specific dentist or practice. Members utilizing a PPO provider may experience lower out of pocket costs due to negotiated fees with in-network providers

Questions?

Members can call 800-487-5553 or visit www.ameritas.com/group/olbc/egyptianschooltrust for plan information and online presentations. If already enrolled you may also use the www.ameritas.com website, members can select Account Access in the upper right hand corner to set up a user ID and password to check claim status, view detailed plan information, search for PPO providers and more.

Ameritas Dental Highlight Sheet

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Life & Accidental Death & Dismemberment Insurance (AD&D)

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Life & Accidental Death & Dismemberment Insurance (AD&D) continued

Open Enrollment – Step-Up Guaranteed Issue

Employees who are currently enrolled in the voluntary life insurance may increase their coverage during the Open Enrollment period by $10,000 without a Statement of Health (SOH) form. If you are not currently enrolled in the voluntary life insurance, you may still apply for coverage but you must complete a SOH form and be approved before the coverage will begin.

New Employees – Guaranteed Issue

If you enroll in Voluntary Life Insurance for yourself and/or your spouse as a new employee, you may elect up to $200,000 for yourself (under age 70) and $50,000 for your spouse without having to submit a Statement of Health (SOH) form. This means you are GUARANTEED up to $200,000 for you and $50,000 for spouse without answering any medical questions. Any new employee under age 70 can get this insurance – no questions asked. If you elect more than the $200,000 or $50,000, we will begin your coverage at the Guaranteed Issue amount and you will need to complete the SOH form, and be approved, for the amount above the Guaranteed Issue. SOH is not required for child coverage.

Name your Beneficiaries

It’s important to remember to name a beneficiary for both your Basic and Voluntary Life and AD&D Insurance. If you do not have a beneficiary on file, your benefit will be paid according to insurance company guidelines. You, the employee, are automatically listed as the beneficiary for any Dependent Life Insurance you may select. If you need to change your beneficiary, please go the QPS website for this form or contact the Benefits Coordinator.

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Flexible Spending Accounts

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Flexible Spending Accounts

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23

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Horace Mann Educators get added value with Horace Mann With our auto policy:

o You’ll be reimbursed the cost of a replacement car if your new car is declared a

“total loss.”

o You’ll pay no deductible for covered vandalism losses on or near school

property, or while at a school-sponsored event.

o You’ll get additional coverage if you purchase our Emergency Road Service

coverage.

o You’ll receive up to $1,000 for veterinary bills or related expenses if your pet is

injured or dies as a result of injuries sustained in a covered accident.

o You’ll get liability coverage in writing, giving you peace of mind if you

transport students in a vehicle we insure.

Auto Payroll Deduction Program delivers convenience, savings

As part of our commitment to helping educators, Horace Mann proudly partners

with school districts to provide our Auto Payroll Deduction Program. It’s a

convenient payment option that allows school employees to pay their Horace Mann

auto insurance premiums directly from their paycheck. School employees receive a

discount just for using this payment option!

With our home policy:

o You’re covered if money or goods for a school-sponsored event are stolen

while they’re in your possession.

o You’ll be reimbursed for the replacement of keys or rekeying of locks for your

home and auto if your keys are stolen.

o You’ll be reimbursed for your monthly mortgage or rent payment if your

residence is uninhabitable due to a covered loss.

o You’ll pay no deductible if your property is stolen from a vehicle that is parked

on or near school property, or at a school-sponsored event.

To learn more, call Colin Ash @ 217-224-5755 colin.ash@horacemann.com

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403(b) Retirement Plan Quincy Public Schools provides the opportunity to enroll in a 403(b) plan. A 403(b) can start, stop or be changed at any time. Please contact your investor or financial planner to discuss the option of a 403(b). Your financial planner will guide you on your investment decisions. The 403(b) contract is available on the QPS website at www.qps.org, Human Resources, Benefits, 403(b). Also, available through VALIC is a 457(b) and ROTH 403(b). Please contact a VALIC representative to learn more about these programs.

What is a 403(b)? A 403(b) plan is a tax-deferred retirement plan available to employees of public educational institutions. A 403(b) plan allows you to make pre-tax contributions by payroll deduction and save that money for your retirement. 403(b) plans were created to encourage long term savings, so distributions generally are available only when you reach age 59½ or leave your job or upon death or disability. However, distributions can also be available in the event of a financial hardship. Keep in mind that distributions before age 59½ might be subject to federal restrictions and a 10% federal tax penalty.

The following companies are available for 403(b) contracts

Ameriprise Financial Service Lincoln National Pension Insurance

American Fidelity Putnam Investors

AXA Equitable Life VALIC – 403(b), 457(b), or ROTH

Horace Mann

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Be Well with Diabetes Program Quincy Public Schools provides a FREE Diabetes Management Program through the Blessing Diabetes Center. Be Well with Diabetes encourages participants with diabetes to take control of their health while decreasing costs. Healthy habits and attitudes are promoted through coaching and education.

Participant Incentives

o 100% reimbursement of co-pays for diabetic medication (generic & brand w/no generic available).

o Reduced co-pays for brand medications when generic is available. o 100%reimbursement of meters & testing supplies. o Insulin pumps are covered at 80% with no deductible through the health plan. o Pump supplies are covered at 80% after deductible through the health plan.

Education

o Diabetes education classes on topics such as disease process & monitoring, managing blood glucose, nutrition, medications and diabetes care, stress & coping, goal setting, cooking demo, recipe modification, supermarket “tour”, risk of long term complications, exercise & prevention.

o Unlimited one-on-one personalized diabetes coaching from pharmacists, registered nurses, dieticians, care coordinators & diabetic educators.

o Additional benefits: weight checks, diabetes support groups, walking groups

Participant Eligibility

1. Be covered under the QPS health plan as an employee or dependent. 2. Have a diagnosis of Diabetes. 3. Complete enrollment paperwork and Initial Assessment 4. Attend a minimum of one coaching session or class per quarter at Blessing

To Enroll Call the Blessing Diabetes Center @ 217-223-1200 ext. 5900

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Legal Notices 33 Women’s Health and Cancer Rights Act Notice If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient for:

• All stages of reconstruction of the breast on which the mastectomy was performed • Surgery and reconstruction of the other breast to produce a symmetrical appearance • Prosthesis • Treatment of physical complications of the mastectomy, including lymphedema

These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. If you would like more information on WHCRA benefits, call United Healthcare at 1-844-637-7500.

Newborns’ and Mothers’ Health Protection Act (NMHPA or “NEWBORNS’ ACT”) Notice Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal l aw, require that a provider obtain authorization from the plan or the Insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours). If you would like more information on maternity benefits, call United Healthcare at 1-844-637-7500.

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Legal Notices (continued) 31

Legal Notices (continued) 32

EGYPTIAN AREA SCHOOLS

EMPLOYEE BENEFIT TRUST

1109 Hartman Lane, Suite 202, Shiloh, IL 62221

IMPORTANT NOTICE FROM EGYPTIAN AREA SCHOOLS EMPLOYEE BENEFITS TRUST ABOUT

YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE NOTICE OF CREDITABLE COVERAGE

UNDER PLAN A, A1, B, B1, C, C1, AB1, M3, M6, M7, M8, E1M OR E

If you are eligible for Medicare, please read this notice carefully.

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with the Egyptian Area Schools Employee Benefit Trust about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage. You should understand your options. This notice explains the options and can help you decide whether you want to enroll in a Medicare prescription drug plan.

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. Egyptian Area Schools Employee Benefit Trust has determined that the

prescription drug coverage offered by PLAN A, A1, B, B1, C, C1, AB1, M3, M5, M7, M8, E1M and E is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep your coverage with Egyptian Trust and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

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What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? The Egyptian Trust does not offer prescription drug coverage separately from other health care benefits, so you cannot drop your prescription drug coverage and keep your other health coverage with the Egyptian Trust. If you choose to enroll in a Medicare prescription drug plan and keep your coverage with the Trust, your prescription drug benefits will be coordinated with the prescription drug benefits provided by the Trust so benefits are not duplicated. If you are an active employee or dependent of an active employee, the Egyptian Trust will be your primary prescription drug coverage. If you are a retired employee or dependent of a retired employee, the Medicare plan will be your primary coverage if you enroll in a Medicare prescription drug plan. In either case, prescription drug costs paid by the Egyptian Trust will not count as out-of-pocket expenses under your Medicare prescription drug plan.

If you have Medicare and are retired or pay all of the cost of your coverage yourself, it may be cheaper for you to drop your coverage with the Egyptian Trust. You may buy a private Medicare supplement (Medigap) policy and a Medicare prescription drug plan for less than what you pay for your coverage with the Trust. Alternatively, you may enroll in a Medicare Advantage Plan instead of regular Medicare and receive all of your health care benefits, including prescription drug coverage, from a single provider. You should know, however, that if you drop your coverage, you cannot reenroll in the Egyptian Trust Medical Benefit Plan after you retire.

When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? You should also know that if you drop or lose your current coverage with Egyptian Area Schools Employee Benefit Trust and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following November to join.

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For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is available in the “Medicare & You” handbook. If you are enrolled in Medicare you will receive a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:

• Visit www.medicare.gov for personalized help.

• Call your State Health Insurance Assistance Program (see the inside back cover of your

copy of the “Medicare & You” handbook for their telephone number) for personalized help

• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. Assistance for People with Limited Income

If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

For More Information about Your Current Prescription Drug Coverage

Contact: Care Coordinators at 855-452-9997

You will receive this notice at other times in the future such as before the next period you can enroll in Medicare prescription drug coverage and if there is a significant change in the prescription drug coverage offered by the Egyptian Trust. You may also request a copy of this notice from Meritain Health at any time.

Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).

Date: October, 2016 Name of Plan: Egyptian Area Schools Employee Medical Benefit Plan

Contact: Meritain Health Address: 1109 Hartman Lane, Suite 202

Shiloh, IL 62221 Phone Number: 800-844-7979

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EGYPTIAN AREA SCHOOLS EMPLOYEE BENEFIT TRUST 1109 Hartman Lane, Suite 202, Shiloh, IL 62221

IMPORTANT NOTICE FROM EGYPTIAN AREA SCHOOLS EMPLOYEE BENEFIT TRUST ABOUT YOUR PRESCRIPTION DRUG COVERAGE UNDER THE HDHP, H1,

H4 or D1 PLAN AND MEDICARE

If you are eligible for Medicare, please read this notice carefully. Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Egyptian Area Schools Employee Benefit Trust if you are enrolled in the HDHP, H1, H4 or D1 Plans and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are three important things you need to know about your current coverage and Medicare’s prescription drug coverage:

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. Egyptian Area Schools Employee Benefit Trust has determined that the prescription drug

coverage offered by the Egyptian HDHP, H1, H4 or D1 Plan is, on average for all plan participants, NOT expected to pay out as much as standard Medicare prescription drug coverage pays. Therefore, your coverage is considered Non-Creditable Coverage. This is important because, most likely, you will get more help with your drug costs if you join a Medicare drug plan, than if you only have prescription drug coverage from the Egyptian HDHP Plan. This also is important because it may mean that you may pay a higher premium (a penalty) if you do not join a Medicare drug plan when you first become eligible.

3. You can keep your current coverage from the Egyptian Trust. However, because your coverage is non-creditable, you have decisions to make about Medicare prescription drug coverage that may affect how much you pay for that coverage, depending on if and when you join a drug plan. When you make your decision, you should compare your current coverage, including what drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. Read this notice carefully - it explains your options.

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When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. If you moved from the Egyptian Plan A, B, or C to the Egyptian HDHP, H1, H4 or D1 Plan you may be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? Since the coverage under Egyptian HDHP, H1, H4 or D1 Plan is not creditable, depending on how long you go without creditable prescription drug coverage you may pay a penalty to join a Medicare drug plan. Starting with the end of the last month that you were first eligible to join a Medicare drug plan but didn’t join, if you go 63 continuous days or longer without prescription drug coverage that’s creditable, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following November to join. What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? The Egyptian Trust does not offer prescription drug coverage separately from other health care benefits, so you cannot drop your prescription drug coverage and keep your other health coverage with the Egyptian Trust. If you choose to enroll in a Medicare prescription drug plan and keep your coverage with the Trust, your prescription drug benefits will be coordinated with the prescription drug benefits provided by the Trust so benefits are not duplicated. If you are an active employee or dependent of an active employee, the Egyptian Trust will be your primary prescription drug coverage. If you are a retired employee or dependent of a retired employee, the Medicare plan will be your primary coverage if you enroll in a Medicare prescription drug plan. In either case, prescription drug costs paid by the Egyptian Trust will not count as out-of-pocket expenses under your Medicare prescription drug plan. If you have Medicare and are retired or pay all of the cost of your coverage yourself, it may be cheaper for you to drop your coverage with the Egyptian Trust. You may buy a private Medicare supplement (Medigap) policy and a Medicare prescription drug plan for less than what you pay for your coverage with the Trust. Alternatively, you may enroll in a Medicare Advantage Plan instead of regular Medicare and receive all of your health care benefits, including prescription drug coverage, from a single provider. You should know, however, that if you drop your coverage, you and your dependents cannot reenroll in the Egyptian Trust Medical Benefit Plan after you retire.

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For More Information About Your Options Under Medicare Prescription Drug Coverage More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage:

• Visit www.medicare.gov

• Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help

• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

For More Information About This Notice Or Your Current Prescription Drug Coverage Contact: Care Coordinators at 855-452-9997 You will receive this notice each year. You will also get it before the next period you can join a Medicare drug plan and if there is a significant change in coverage offered by the Egyptian Trust. You also may request a copy of this notice from Meritain Health at any time. Date: October, 2016 Name of Plan: Egyptian Area Schools Employee Medical Benefit Plan Contact: Meritain Health Address: 1109 Hartman Lane, Suite 202

Shiloh, IL 62221 Phone Number: 800-844-797

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