2022-2023 BENEFITS SCOTTSDALE UNIFIED SCHOOL DISTRICT NO. 48
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2022-2023 BENEFITS SCOTTSDALE UNIFIED SCHOOL DISTRICT NO. 48
PAGE 2 2022–2023 BENEFITS
LET’S BEGIN
LISTEN UP!
THIS GUIDE PRESENTS BENEFIT
OPTIONS AND COSTS FOR THE
PERIOD FROM JULY 1, 2022
THROUGH JUNE 30, 2023. IT
ALSO OUTLINES THE STEPS
YOU NEED TO TAKE TO
SELECT AND ENROLL IN
APPROPRIATE BENEFITS FOR
YOU AND YOUR DEPENDENTS.
PLEASE REVIEW THIS GUIDE
CAREFULLY AND CONTACT
YOUR BENEFITS DEPARTMENT
IF YOU HAVE QUESTIONS.
1. You wanted more copays so we did it! We’ve added more copays to the PPO plan. See page
14 for more detail.
2. Home health care benefits will now have an annual maximum of 60 visits per plan year.
3. You can now fill your 90-day prescriptions through mail order and at your local pharmacy.
4. The Real Appeal program is now open to you and your eligible dependents!
5. The care program (maternity, ongoing condition, and complex condition) is adding a mobile
app and an expanded list of covered conditions.
6. Delta Dental now covers virtual visits, which provide 24/7 access to emergency care.
7. VSP has transitioned its Diabetic Eyecare Plus Program to Essential Medical Eye Care, which
includes full retinal screenings, additional exams to monitor diabetic eye disease and
progression, treatment for dry eye and pink eye, and more.
8. We’re adding identity theft protection! See page 28 for this new offering.
9. Nationwide Pet Insurance now offers only a 50% or 70% reimbursement rate (the 90%
reimbursement option has been eliminated).
10. Your Kairos team is growing! We’ve created a dedicated Participant Advocate Team (PAT)
that answers your phone calls when you call our 888-phone number. We also have onsite
nurses to help you navigate the health care system.
11. Allowable HSA contributions are going up, so you can save more money this year. Now you
can contribute $3,650 for individual coverage and $7,300 for family coverage
PAGE 3 2022–2023 BENEFITS
WHO SHOULD YOU CALL?
Contact our plan providers directly if you have questions or would like more detailed information
about our plans. If you need further assistance regarding your benefits, contact your Benefits
Department at 480.484.6104.
PLAN PROVIDER FOR QUESTIONS ABOUT… PHONE WEBSITE
UMR Medical eligibility and benefits; 844.212.6811 UMR.com
claims and appeals; precertification;
ID cards
MaxorPlus Prescription benefits 800.687.0707 MaxorPlus.com
Teladoc Virtual physician visits 800.835.2362 Teladoc.com
ComPsych Employee assistance program; 833.955.3386 GuidanceResources.com
counseling and work-life services
BASIC COBRA and FSA administration 800.444.1922 BasicOnline.com
HealthEquity Health savings account 866.346.5800 HealthEquity.com
Delta Dental Delta Dental plan 602.938.3131 DeltaDentalAZ.com
800.352.6132
Total Dental TDA DHMO dental plan 888.422.1995 TDAdental.com
Administrators
VSP Vision benefits 800.877.7195 VSP.com
MetLife Basic and supplemental life and 877.638.7868 MetLife.com
AD&D plans; voluntary short-term MyBenefits.MetLife.com
disability; worksite benefits
MetLife Prepaid Legal Prepaid legal coverage 800.821.6400 LegalPlans.com
Aura Identity theft protection 855.443.7748 Aura.com
United Pet Care Pet insurance 602.266.5303 UnitedPetCare.com/Kairos
Nationwide Pet insurance 877.738.7874 PetInsurance.com
Kairos Plan administration and member 888.331.0222 SVC.KairosHealthAZ.org
services
PAGE 4 2022–2023 BENEFITS
ARE YOU READY FOR THIS?
During the open enrollment period, it's important that you complete the following steps:
CHOOSE YOUR PLAN
Select a medical program option and decide who you're going to cover. Your choices for
coverage are:
• employee;
• employee plus spouse;
• employee plus child(ren); or
• employee plus family.
MAKE A CONTRIBUTION TO YOURSELF
If you enroll in a high deductible health plan (HDHP), determine if you wish to contribute to
a health savings account (HSA). Refer to the health savings account section of this guide for
more information.
TAKE CARE OF YOUR LOVED ONES
Review and update beneficiary designations for life insurance benefits as needed.
ARE YOUR DEPENDENTS STILL ELIGIBLE?
Confirm that any dependents up to age 26 are still eligible to be enrolled.
CHOOSE YOUR VOLUNTARY PRODUCTS
If applicable, review and decide whether or not to add any voluntary products, and submit
required information.
NOTE: Please contact your
Benefits Department for your
enrollment date.
Do not miss the enrollment period.
It’s the one time each year you
can make changes (unless you
have a qualifying event; see page
6 for more information).
PAGE 5 2022–2023 BENEFITS
PLAN RULES
WHO’S ELIGIBLE?
Full-time employees working at least 30 hours per week are eligible
Employees hired before 2009 working less than 30 hours per week may be eligible
for benefits at a cost subsidy commensurate with their full-time equivalent
Employees hired after 2009 working at least 30 hours per week are eligible
Employees in a job-share position are eligible for benefits if the position they share totals
30 or more hours per week, with employer-paid premiums to be pro-rated based on the
percentage of the position each employee is assigned
Dependents of enrolled employees are eligible, including:
— lawfully married spouses
— dependent children up to age 26
— unmarried children who are mentally or physically handicapped and fully dependent
on the enrolled employee for support and maintenance
NOTE: Duplicative coverage is prohibited, and no duplicative benefits will be paid. For example, a man
who is married to a district employee and who is also a district employee himself may not enroll both
as an employee and as a dependent spouse. It is each employee's responsibility to make sure that they
and their dependents do not have duplicative coverage.
THE ELECTIONS MADE DURING THE ENROLLMENT PERIOD ARE EFFECTIVE FROM
July 1, 2022 to June 30, 2023
WHEN COVERAGE BEGINS
o New hires: Insurance elections are effective the first day of the month.
Hire dates in the first half of the month result in a benefits effective date of the first of the
month immediately following the hire date.
Hire dates in the second half of the month result in a benefits effective date of the first of the
month following 30 days.
o Open enrollment: Insurance elections and changes are effective on July 1, 2022.
o Allowable mid-year changes: Insurance elections and coverage changes are effective on
the first day of the month following the event date or date of birth for a newborn, if
required enrollments have been completed and all required supporting documentation has
been received by the Benefits Department.
o For life insurance requiring a statement of health (SOH) form: The effective date may be
delayed according to SOH form completion, submission to the insurance carrier, and
approval by the insurance carrier.
PAGE 6 2022–2023 BENEFITS
WHEN CAN I MAKE A CHANGE?
You can make changes or elect benefits once a year during open enrollment. Outside of open enrollment, the
IRS says a "qualified life event" must occur.
Below are examples of qualified life events that may make a mid-year change possible:
o marriage, divorce, legal separation, or annulment;
o birth, adoption, placement for adoption, or legal guardianship of a child;
o death of a dependent;
o a change in your spouse’s employment, or involuntary loss of health coverage under another
employer’s plan;
o loss of coverage due to the exhaustion of another employer’s COBRA benefits, provided you were
paying premiums on a timely basis; and
o change in your dependent’s eligibility status.
NOTE: This list is not inclusive of all mid-year or special enrollment changes. For more information, please contact your
Benefits Department.
Changes must be made within 31 days of the change in status event. If you don't make changes within this
timeframe, your next opportunity to make changes to your coverage will be during the next open
enrollment period.
Expecting a baby? HELPFUL TIPS
Congratulations! Losing medical coverage
Remember to complete the through the Marketplace is not
appropriate documentation considered a qualified change in
within 31 days following status event, and you will not be
your baby’s birth. Coverage allowed to join the plan mid-
for newborns is not year. However, you can drop
automatic, so you must your medical coverage to join a
notify your Benefits Marketplace plan mid-year. You
Department within this time will be required to provide proof
of coverage within 31 days of
period and pay the full
your enrollment.
premium for the month the
child is added (if
necessary). Voluntary termination from
COBRA is also not considered a
qualified life event.
PAGE 7 2022–2023 BENEFITS
ENROLLMENT INSTRUCTIONS
iVisions is your online enrollment tool.
The site is accessible via your single sign-on in the iVisions portal.
Scottsdale Unified School District Benefits Department
NAME EMAIL TELEPHONE FAX
SUSD Benefits Department benefits@susd.org 480.484.6104 480.484.6268
BENEFITS OVERVIEW
All plan information and rates can be found in the idrive/Benefits Folder/2022-2023 Benefits Enrollment
Information (Use SUSD Single Sign-On, then My Drives, then the "i" drive).
TO ENROLL THROUGH THE IVISIONS BENEFITS PORTAL
1. Log on to iVisions portal.
2. Click on Benefits, then “HR Benefits Enrollment.”
3. Read through the Welcome Screen instructions. Please note: Do not use the “Back” button
on your browser.
4. If you need to make changes to your address or phone number, you will do that in your
Profile under the self service tab and not via the benefits enrollment portal.
5. To add/edit dependents or beneficiaries and/or update information, you will click the
magnifying glass to activate the screen. Save your edits by clicking “Update” when
finished.
6. You will move through the screens with the “Next” or “Previous” button on the bottom of
the page; do not hit the “Back” button on your browser.
7. To elect benefits, click on the radio button to make your election. If you choose
any dependents, make sure you scroll to the bottom to select the corresponding
dependent.
8. You may opt out of any benefit by scrolling to the bottom of the screen and clicking the
“Waive” radio button.
9. When you come to the end of the portal, make sure you hit “Submit” to complete
your enrollment.
10. You can print your enrollment after you have submitted to keep a copy for your records.
PAGE 8 2022–2023 BENEFITS
WHAT DOES IT ALL MEAN?
Let’s talk through some health
insurance terms and make this easy. HIGH DEDUCTIBLE HEALTH
PLAN (HDHP) VS. PPO PLAN
DEDUCTIBLE An HDHP is a type of medical plan that has a
This is the amount of money you have to pay lower monthly premium but a higher annual
each plan year (July to June) for covered services deductible. It’s usually paired with a health
before your health insurance benefits kick in. savings account (HSA) to help pay medical
expenses.
COINSURANCE A PPO is a plan that has a higher monthly
This is a percentage of covered medical costs you premium but a lower annual deductible. PPO
pay once you meet your deductible. The plan plans sometimes have copays for services,
pays the rest. unlike HDHPs.
OUT-OF-POCKET MAXIMUM (OOP) IN-NETWORK VS. OUT-OF-NETWORK
This is the most you’ll pay for covered services In-network providers are contracted to provide
during the plan year. The out-of-pocket maximum services at a discounted rate. Out-of-network
puts a cap on health care costs if you ever have a providers are not. Staying in-network is usually
major illness or injury. the best way to save money on your health
care.
EMBEDDED DEDUCTIBLE
INPATIENT VS. OUTPATIENT
Individual family members have their own
deductibles AND there's a deductible for the Inpatient services are those received when
family as a whole. After an individual meets his you’re admitted to a hospital or facility and
or her deductible, the plan begins to pay spend at least one night. Outpatient services
benefits for that person. Once the family can vary, but they’re services received in a
deductible is met, the plan pays benefits for all. facility that you’re not admitted to.
NON-EMBEDDED DEDUCTIBLE PRIOR AUTHORIZATION
The entire family shares a single deductible. The This is pre-approval that is required for certain
family deductible must be met before the plan services, prescriptions, and medical equipment
begins to pay benefits. to be covered by the plan. It's sometimes called
“preauthorization” or “precertification.”
How does my medical plan work?
YOU PAY YOU PAY 30%, PLAN PAYS 70% PLAN PAYS
DEDUCTIBLE COINSURANCE COSTS OVER
YOU
The costs you cover The costs you REACH THE OOP MAX
on your own share with the YOUR Once you reach your in-
plan OOP MAX network out-of-pocket
limit, the plan covers
costs until the end of the
plan year
PAGE 9 2022–2023 BENEFITS
MEDICAL BENEFITS
UMR
UMR is the medical claims processor which uses the UnitedHealthcare (UHC)
Choice Plus network. By staying in-network, services will cost you less.
New employees and current employees making open enrollment changes
will receive a new ID card from UMR. Be on the lookout for a Kairos envelope
containing your combined medical/prescription card.
KAIROS UnitedHealthcare UMR
The Plan Medical Network Claims Handling
Kairos manages and funds Kairos medical plans use UMR processes your medical
all of the health care plans the UnitedHealthcare claims. When you see your
and voluntary coverages. network. If your doctor doctor, he or she submits
Kairos works with asks what network you the claim to UMR. For
Scottsdale to administer have, you'll say, “United.” questions about your
your benefits. medical coverage, call
Kairos or UMR (not United).
MANAGE YOUR BENEFITS FIND A DOCTOR
Create your mobile-friendly account at If you want to find a doctor, there’s no need
umr.com to take full advantage of your to log in! Instead, follow these simple steps:
medical benefits. You’ll need to have your ID
Go to umr.com
card handy in order to register.
Select “Find a Provider”
Once you’re in, you can:
In the Provider Network search bar, type
View/print/order ID card(s) the network name: UnitedHealthcare
Choice Plus
View medical claims
Click search, then view providers
Use wellness tools
Type in your address or ZIP code
Monitor deductible and out-of-pocket
limits Now you’ll be able to search by provider
Shop for the best and most cost-efficient name, locations, services, and more.
care
For questions, contact UMR at 844.212.6811 or visit umr.com
PAGE 10 2022–2023 BENEFITS
PRESCRIPTION BENEFITS
MAXORPLUS
When you enroll in Kairos medical coverage, you automatically receive
prescription drug coverage through MaxorPlus. This benefit allows you to fill prescriptions
through any participating pharmacy listed in the MaxorPlus pharmacy network.
Don’t forget that your medical card also works as your prescription card.
Sign up at MaxorPlus.com to:
Locate the closest View the plan formulary Look up your
and most cost- (a list of prescription medications prescription history
efficient network that may be covered under the plan) and plan costs
pharmacy
TIPS FOR SAVING ON PRESCRIPTIONS
Depending on your medication type, dosage, and frequency, the dollars can add up quickly. But
you have options for lowering your out-of-pocket costs. Try these simple steps to help you save
money.
TAKE THE GENERIC USE MAIL ORDER
Generics have the same strength and Mail order delivers medications to your
active ingredients as the name brand doorstep for less than it costs to go to your
version of your medications. The only local pharmacy. For example, if a
difference is, they’re significantly less prescription costs $180 for a three-month
expensive. Talk to your prescriber to see supply at retail, it could cost $120 through
if generics are right for you. mail order. It’s like getting a month for free!
SHOP AROUND SIGN UP FOR MYMAXORLINK
Just like you might hunt for those great The myMaxorLink discount program does
Black Friday deals, you can do the work for you. Once enrolled, you’ll
comparison shopping for medications. automatically receive information on lower-
Log in to the MaxorPlus member portal cost prescriptions, reminders specific to
and use the copay calculator to find the your coverage, and other important health
most cost-effective pharmacy near you. updates. Call 888.596.0723 to enroll or go
(Believe it or not, not all pharmacies to mymaxorlink.com/maxorplus.
charge the same amount for the same
medication.)
For questions, contact Maxor at 800.687.0707 or visit maxor.comPAGE 11 2022–2023 BENEFITS
CLINICAL ADVOCACY:
EXPERTS ON YOUR SIDE
CLINICAL ADVOCACY PROGRAM
Navigating health care and insurance can be complicated and leave you feeling overwhelmed.
That’s where Kairos comes in. Through the Kairos Clinical Advocacy Program, they have
dedicated in-house nurses help guide you through the health care system, choose the best
treatment, and keep your costs to a minimum.
With this program, you have:
• a champion in your corner who not only has a clinical background but understands your
insurance coverage and genuinely wants to help
• a concierge to compare costs for you and help you get the best value
Examples of how our clinical advocacy nurses help:
Acting as the liaison between you, Coordinating with your health care
your doctor, and your insurance providers when you need an alternative
site of care
Saving you money with
manufacturer’s medication programs Guiding you through the prior
or community assistance programs authorization (PA) process
OUR NURSES HAVE PEOPLE
EXCITEDLY SHOUTING:
“ Health care is so complicated. I’m
thankful you help us weed through it all.
”
“ You are a life saver! I hope you can hear
when I ring that cowbell after last treatment!
”
For questions, contact Kairos at 888.331.0222 or visit svc.kairoshealthaz.org.PAGE 12 2022–2023 BENEFITS
WELLBEING
WHAT’S “WELLNESS” ALL ABOUT?
Wellness is more than skipping out on a donut for breakfast one day or trying to remember to de-
stress after a tough meeting. It’s a measure of both your mental and physical health, involving
nearly every aspect of your life. It’s about promoting a healthier and happier whole person.
We offer different wellness programs and activities for you to choose from. Participation is
optional unless stated otherwise.
Active&Fit fitness program Maternity care program
$25/month for access to 11,000+ fitness centers. For pregnant moms or those who are
Plus, online workout videos and life coaching. planning to be. Includes a $25 reward for
Online health center completion!
Online activities to promote healthy eating, Ongoing condition care program
weight management, and more. For those who need help when managing
Onsite events and workshops chronic conditions like diabetes, COPD, and
asthma.
Mammograms, flu shots, and biometric
screenings. Complex condition care program
Real Appeal For assistance with complex cases such as
transplants, oncology, and neonatal care.
Looking to promote a healthier you? Sign up for
Real Appeal for free.
PREVENTION IS PRICELESS
We want to help you stay healthy. So, the Kairos plan covers preventive care services at no cost
with no age restrictions when you visit an in-network provider.
Examples of preventive benefits include:
Prostate screenings Colonoscopy screenings
Immunizations and flu shots Cancer screenings
Hearing exams Generic contraceptives
Mammogram screenings Blood pressure tests
Your doctor must use wellness codes when billing these services, or your service will not be
covered at 100%. To make sure wellness codes are billed correctly, inform your provider when
scheduling your appointment that you need a wellness visit.
You should also know that if, at the time of your appointment, any issues other than your
preventive screening are addressed, it’s likely that the billing codes will be changed from
wellness to diagnostic, and the fees will not be covered at 100%. If you’re having issues with a
wellness claim, contact the Kairos team.
For questions, contact Kairos at 888.331.0222 or visit svc.kairoshealthaz.org.PAGE 13 2022–2023 BENEFITS
MORE BENEFITS
TELADOC COMPSYCH EAP
With Teladoc, you can use your phone or With ComPsych, you have 6 one-on-one
computer to conduct a live virtual visit with a counseling sessions per family member,
board-certified medical professional—any day, per issue, per year at no cost to you.
anytime, anywhere.
Professional advisors are available 24/7
You'll get fast and 24/7 help for non- to help you and your family with:
emergency matters like:
Stress and Substance abuse
Cold and flu Headaches anxiety
symptoms Pink eye Minor depression
Relationship
management
Skin irritations Sinus infection matters
Stomach bugs Sore throat BONUS!
Online resources: Visit the website below
BONUS! to access family resources, legal and
Mental health benefits: Talk to a therapist financial consultations, on-demand
or psychiatrist by appointment via phone trainings, discounts, and more!
or video for things like anxiety,
depression, stress, and more. For questions, contact ComPsych at
833.955.3386 or visit guidanceresources.com.
Dermatology benefits: Diagnose and Web ID: Kairos EAP
treat skin conditions via the mobile app
for things like eczema, rashes, and more.
For questions, contact Teladoc at
800.835.2362 or visit teladoc.com.PAGE 14 2022–2023 BENEFITS
PPO PLAN IN-NETWORK4 OUT-OF-NETWORK4
BENEFIT OVERVIEW
$1,000/employee $2,000/employee
DEDUCTIBLE1
$2,000/employee +1 or more $4,000/employee +1 or more
$5,000/employee $10,000/employee
OUT-OF-POCKET MAXIMUM2
$10,000/employee +1 or more $20,000/employee +1 or more
$40 copay primary care physician
OFFICE VISITS Deductible, then 75%
$50 copay specialist
URGENT CARE $75 copay Deductible, then 75%
EMERGENCY ROOM3 $250 access fee, then 30% $250 access fee, then 30%
WELLNESS SERVICES (ADULT/CHILD) No deductible, $0 Deductible, then 75%
TELEHEALTH (TELADOC) No deductible, $0 Not available
AMBULATORY SURGICAL CENTER $250 copay
NON-HOSPITAL INFUSION CENTER $250 copay
NON-HOSPITAL RADIOLOGY CENTER $75 copay
NON-HOSPITAL LAB/PATHOLOGY $25 copay
HOSPITAL RADIOLOGY
Deductible, then 75%
HOSPITAL LAB/PATHOLOGY
AMBULANCE
Deductible, then 30%
INPATIENT/OUTPATIENT HOSPITAL
OUTPATIENT LAB AND X-RAY
(INCLUDING MRI, PET, AND CT)
OUTPATIENT BEHAVIORAL VISIT $40 copay
PRESCRIPTIONS
You must meet your prescription deductible first: $100 employee/$200 family
RETAIL PRESCRIPTIONS After deductible, you pay:
(30-day supply) • Generic: $10
• Preferred: $35
• Non-preferred: $60
• Specialty: 20% (maximum of $60)
MAIL ORDER DRUGS After deductible, you pay:
(90-day supply) • Generic: $20
• Preferred: $70
• Non-preferred: $120
1Thisplan has an embedded individual deductible and out-of-pocket maximum. This means that although a deductible and out-of-
pocket maximum apply to the family as a whole, no individual will be responsible for more than his/her individual deductible before
the plan pays benefits for that person, and no individual will be responsible for more than his/her individual out-of-pocket maximum.
The deductible must be met before the plan pays benefits. All benefits are subject to the deductible, unless otherwise noted.
The out-of-pocket maximum includes deductibles, copayments, and coinsurance for all medical and prescription plan benefits.
2
3You pay one access fee per member, per day, per facility, plus in-network deductible and coinsurance. The fee is waived if you
are admitted to the hospital as an inpatient.
4The in-network and out-of-network deductibles and out-of-pocket maximums are separate and do not accumulate toward one
another.
Please note: Information provided above may be subject to change at any point in time.PAGE 15 2022–2023 BENEFITS
$1,500 HDHP
IN-NETWORK4 OUT-OF-NETWORK4
($3,000 FAMILY)
BENEFIT OVERVIEW
$1,500/employee $3,000/employee
DEDUCTIBLE1
$3,000/employee +1 or more $6,000/employee +1 or more
$3,000/employee $6,000/employee
OUT-OF-POCKET MAXIMUM2
$6,000/employee +1 or more $12,000/employee +1 or more
OFFICE VISITS
Deductible, then 75%
URGENT CARE Deductible, then 30%
EMERGENCY ROOM Deductible, then 30%
WELLNESS SERVICES (ADULT/CHILD) Deductible, then 75%
No deductible, $0
TELEHEALTH (TELADOC) Not available
AMBULATORY SURGICAL CENTER
NON-HOSPITAL INFUSION CENTER
NON-HOSPITAL RADIOLOGY CENTER
NON-HOSPITAL LAB/PATHOLOGY
HOSPITAL RADIOLOGY
HOSPITAL LAB/PATHOLOGY Deductible, then 30% Deductible, then 75%
AMBULANCE
INPATIENT/OUTPATIENT HOSPITAL
OUTPATIENT LAB AND X-RAY
(INCLUDING MRI, PET, AND CT)
OUTPATIENT BEHAVIORAL VISIT
PRESCRIPTIONS
You must meet your annual medical deductible first, except for preventive medications3
RETAIL After deductible, you pay:
(30-day supply) • Generic: $10
• Preferred: $35
• Non-preferred: $60
• Specialty: 20% (maximum of $60)
MAIL ORDER After deductible, you pay:
(90-day supply) • Generic: $20
• Preferred: $70
• Non-preferred: $120
1Thisplan has a non-embedded deductible and out-of-pocket maximum. This means that families enrolling in the plan will need to meet
the entire family deductible before the plan pays benefits for any member of the family (other than for preventive/wellness care). The
deductible must be met before the HDHP plan pays benefits. All benefits are subject to the deductible, unless otherwise noted.
The out-of-pocket maximum includes deductibles, copayments, and coinsurance for all medical and prescription plan benefits.
2
3The annualdeductible must be met before the plan pays a prescription drug benefit, with the exception of certain preventive
medications. For a detailed list of these medications, visit maxorplus.com.
4The in-network and out-of-network deductibles and out-of-pocket maximums are separate and do not accumulate toward one
another.
Please note: Information provided above may be subject to change at any point in time.PAGE 16 2022–2023 BENEFITS
$2,800 HDHP IN-NETWORK4 OUT-OF-NETWORK4
BENEFIT OVERVIEW
$2,800/employee $5,000/employee
DEDUCTIBLE1
$5,600/employee +1 or more $10,000/employee +1 or more
$5,000/employee $10,000/employee
OUT-OF-POCKET MAXIMUM2
$10,000/employee +1 or more $20,000/employee +1 or more
OFFICE VISITS
Deductible, then 75%
URGENT CARE Deductible, then 30%
EMERGENCY ROOM Deductible, then 30%
WELLNESS SERVICES (ADULT/CHILD) Deductible, then 75%
No deductible, $0
TELEHEALTH (TELADOC) Not available
AMBULATORY SURGICAL CENTER
NON-HOSPITAL INFUSION CENTER
NON-HOSPITAL RADIOLOGY CENTER
NON-HOSPITAL LAB/PATHOLOGY
HOSPITAL RADIOLOGY
HOSPITAL LAB/PATHOLOGY Deductible, then 30% Deductible, then 75%
AMBULANCE
INPATIENT/OUTPATIENT HOSPITAL
OUTPATIENT LAB AND X-RAY
(INCLUDING MRI, PET, AND CT)
OUTPATIENT BEHAVIORAL VISIT
PRESCRIPTIONS
You must meet your annual medical deductible first, except for preventive medications3
RETAIL After deductible, you pay:
(30-day supply) • Generic: $10
• Preferred: $35
• Non-preferred: $60
• Specialty: 20% (maximum of $60)
MAIL ORDER After deductible, you pay:
(90-day supply) • Generic: $20
• Preferred: $70
• Non-preferred: $120
1Thisplan has an embedded individual deductible and out-of-pocket maximum. This means that although a deductible and out-of-
pocket maximum apply to the family as a whole, no individual will be responsible for more than his/her individual deductible before
the plan pays benefits for that person, and no individual will be responsible for more than his/her individual out-of-pocket maximum.
The deductible must be met before the plan pays benefits. All benefits are subject to the deductible, unless otherwise noted.
The out-of-pocket maximum includes deductibles, copayments, and coinsurance for all medical and prescription plan benefits.
2
The annual deductible must be met before the plan pays a prescription drug benefit, with the exception of certain preventive
3
medications. For a detailed list of these medications, visit maxorplus.com.
4The in-network and out-of-network deductibles and out-of-pocket maximums are separate and do not accumulate toward one
another.
Please note: Information provided above may be subject to change at any point in time.PAGE 17 2022–2023 BENEFITS
$5,000 HDHP IN-NETWORK4 OUT-OF-NETWORK4
BENEFIT OVERVIEW
$5,000/employee $10,000/employee
DEDUCTIBLE1
$10,000/employee +1 or more $20,000/employee +1 or more
$6,750/employee $13,500/employee
OUT-OF-POCKET MAXIMUM2
$13,500/employee +1 or more $27,000/employee +1 or more
OFFICE VISITS
Deductible, then 75%
URGENT CARE Deductible, then 30%
EMERGENCY ROOM Deductible, then 30%
WELLNESS SERVICES (ADULT/CHILD) Deductible, then 75%
No deductible, $0
TELEHEALTH (TELADOC) Not available
AMBULATORY SURGICAL CENTER
NON-HOSPITAL INFUSION CENTER
NON-HOSPITAL RADIOLOGY CENTER
NON-HOSPITAL LAB/PATHOLOGY
HOSPITAL RADIOLOGY
HOSPITAL LAB/PATHOLOGY Deductible, then 30% Deductible, then 75%
AMBULANCE
INPATIENT/OUTPATIENT HOSPITAL
OUTPATIENT LAB AND X-RAY
(INCLUDING MRI, PET, AND CT)
OUTPATIENT BEHAVIORAL VISIT
PRESCRIPTIONS
You must meet your annual medical deductible first, except for preventive medications3
RETAIL After deductible, you pay:
(30-day supply) • Generic: $10
• Preferred: $35
• Non-preferred: $60
• Specialty: 20% (maximum of $60)
MAIL ORDER After deductible, you pay:
(90-day supply) • Generic: $20
• Preferred: $70
• Non-preferred: $120
1Thisplan has an embedded individual deductible and out-of-pocket maximum. This means that although a deductible and out-of-
pocket maximum apply to the family as a whole, no individual will be responsible for more than his/her individual deductible before
the plan pays benefits for that person, and no individual will be responsible for more than his/her individual out-of-pocket maximum.
The deductible must be met before the plan pays benefits. All benefits are subject to the deductible, unless otherwise noted.
The out-of-pocket maximum includes deductibles, copayments, and coinsurance for all medical and prescription plan benefits.
2
The annual deductible must be met before the plan pays a prescription drug benefit, with the exception of certain preventive
3
medications. For a detailed list of these medications, visit maxorplus.com.
4The in-network and out-of-network deductibles and out-of-pocket maximums are separate and do not accumulate toward one
another.
Please note: Information provided above may be subject to change at any point in time.PAGE 18 2022–2023 BENEFITS
PLAN FEATURES PPO PLAN $1,500 HDHP $2,800 HDHP $5,000 HDHP
In- Out-of- In- Out-of- In- Out-of- In- Out-of-
network network network network network network network network
ANNUAL DEDUCTIBLE
Individual $1,000 $2,000 $1,500 $3,000 $2,800 $5,000 $5,000 $10,000
Family $2,000 $4,000 $3,000 $6,000 $5,600 $10,000 $10,000 $20,000
OUT-OF-POCKET MAXIMUM (OOP)
Individual $5,000 $10,000 $3,000 $6,000 $5,000 $10,000 $6,750 $13,500
Family $10,000 $20,000 $6,000 $12,000 $10,000 $20,000 $13,500 $27,000
PREVENTIVE CARE
Wellness visits 0% 75% 0% 75% 0% 75% 0% 75%
Mammogram 0% 75% 0% 75% 0% 75% 0% 75%
DOCTOR AND SPECIALIST
Doctor visits $40 75% 30%* 75% 30%* 75% 30%* 75%*
Specialist visit $50 75% 30%* 75% 30%* 75% 30%* 75%*
URGENT AND EMERGENCY CARE
Urgent care visit $75 75% 30%* 75%* 30%* 75%* 30%* 75%*
$250, $250,
Emergency room then then 30%* 30%* 30%* 30%* 30%* 30%*
30% 30%
HOSPITAL CARE
Outpatient surgery
Lab/X-ray
30%* 75%* 30%* 75%* 30%* 75%* 30%* 75%*
Hospital stay
Maternity stay
ADDITIONAL SERVICES
Embedded deductible
Yes Yes No No Yes Yes Yes Yes
& OOP max
Combined medical &
No No Yes Yes Yes Yes Yes Yes
Rx deductible
OOP max includes
Yes Yes Yes Yes Yes Yes Yes Yes
deductible
PRESCRIPTION
Retail Rx deductible
Medical deductible applies
(30-day supply) applies**
Generic $10* $10* $10* $10* $10* $10* $10* $10*
Preferred $35* $35* $35* $35* $35* $35* $35* $35*
Non-preferred $60* $60* $60* $60* $60* $60* $60* $60*
Mail-order
(90-day supply)
Generic $20* N/A $20* N/A $20* N/A $20* N/A
Preferred $70* N/A $70* N/A $70* N/A $70* $70*
Non-preferred $120* N/A $120* N/A $120* N/A $120* $120*
*After deductible
**A $100 individual/$200 family Rx deductible applies on the PPO Plan.PAGE 19 2022–2023 BENEFITS
HEALTH SAVINGS ACCOUNT (HSA)
If you enroll in a high deductible health plan (HDHP), you are eligible to open a health savings
account with HealthEquity. An HSA is a personal savings account that lets you set aside pre-tax
money from your paycheck to use on qualified medical expenses. Some examples of qualified
expenses include deductibles and copays, doctor’s office visits, prescription drugs, vaccines and
screenings, and more! For a complete list, visit learn2.healthequity.com/kairos/qme.
Once you receive your debit card from HealthEquity, you’ll be able to use your account. New
cards are issued only to first-time enrollees (or if an existing card expires). Since it’s your personal
bank account, please contact HealthEquity if you need a replacement debit card.
HSA Advantages
Triple Tax Benefit It’s Yours Forever Grow and Save
Contributions are tax The money in your HSA You can invest the funds,
deductible; the funds grow rolls over every year and and your earnings growtax-
with no tax liability; and is yours to keep, even if free. After age 65, you can
money used for health you leave your employer. use the HSA like a traditional
expenses is not taxed upon retirement account.
withdrawal.
YOU'RE ELIGIBLE FOR AN HSA IF:
You’re enrolled in a qualified high You aren’t enrolled in any part of Medicare or
deductible health plan. another non-qualified health care plan.
You’re not also covered by a spouse’s You can’t be claimed as a dependent on
non-HDHP employer plan. someone else’s tax return.
HOW MUCH CAN YOU CONTRIBUTE?
TIER MAXIMUM AMOUNT
INDIVIDUAL $3,650
FAMILY $7,300
AGE 55+ Additional $1,000
You may contribute the maximum amount stated on a calendar year basis, or January 1 to December
31. This is a little different from the Kairos plan year, which runs from July to June. You are
responsible for calculating and verifying that your contributions, including any employer
contributions, don’t exceed the maximum annual amount.
For questions, contact HealthEquity at 866.346.5800 or visit healthequity.comPAGE 20 2022–2023 BENEFITS
BASIC FLEXIBLE SPENDING ACCOUNT (FSA)
Set aside pre-tax dollars for eligible health care and dependent care expenses in a flexible
spending account (FSA) administered by BASIC. These accounts are also referred to as
consumer-driven accounts, or CDAs. You elect how much you want to contribute in equal
installments throughout the year.
MEDICAL REIMBURSEMENT FSA* DEPENDENT CARE FSA*
WHAT ARE THE ANNUAL Up to $2,850 (depending on your Up to $5,000 (tax filingstatus and
CONTRIBUTION LIMITS? employer's plan option) participation in other plans may
affect contribution limits)
Eligible medical, dental, and vision Eligible childcare expenses
WHAT CAN AN FSA BE USED
expenses that are not already
FOR?
covered or deducted on your income
taxes
HOW ARE REIMBURSEMENTS Claim form submitted via Claim form submitted via employee
MADE? employee portal, fax, or mail portal, fax, or mail
IF YOU ENROLL IN AN HDHP PLAN WITH A HEALTH SAVINGS ACCOUNT, YOU
ARE NOT ELIGIBLE FOR A MEDICAL EXPENSE REIMBURSEMENT ACCOUNT.
HOWEVER, YOU ARE STILL ELIGIBLE TO ENROLL IN A DEPENDENT CARE
ACCOUNT.
HOW FLEXIBLE SPENDING ACCOUNTS WORK
• You decide how much you want to contribute on an annual basis into one or both of the FSAs.
• It’s a “use it or lose it” plan, meaning you must use the funds to pay for eligible expenses during
the plan year, otherwise you will lose them.
• Your FSA contributions are deducted from your paychecks on a pre-tax basis, in equal amounts
each pay period.
• Your election stays in effect for the entire plan year (July 1 through June 30). You may not
increase, decrease, or cancel your contributions outside of the plan’s enrollment period, unless
you have a qualified life status change (see page 6 for information about status changes).
• You use your FSA contributions to pay for eligible expenses under the Medical Expense
Reimbursement Account or Dependent Care Account. The IRS clearly defines eligible expenses,
and only those that comply with the Internal Revenue Code are eligible for reimbursement.
• You may not use the contributions you make to the Medical Expense Reimbursement Account to
reimburse yourself for eligible expenses under the Dependent Care Account, or vice versa.
For questions, contact BASIC at 800.444.1922 or visit basiconline.comPAGE 21 2022–2023 BENEFITS
DELTA DENTAL INSURANCE
The dental plans through Delta Dental allows you and your eligible dependents to visit any
dentist or specialist without a referral. The plan also travels with you anywhere in the country.
Delta Dental issues ID cards to new enrollees, so be on the lookout for yours if enrolling for the first
time.
While both PPO and Premier dentists are in-network, you will save more money when using a PPO
dentist. Out-of-pocket costs increase by going out-of-network.
There are 2 plans to choose from:
CORE PLAN PPO/Premier
Dentist
PREMIER PLAN PPO/Premier
Dentist
ANNUAL MAXIMUM BENEFIT1 $1,000 ANNUAL MAXIMUM BENEFIT1 $2,000
ANNUAL DEDUCTIBLE
ANNUAL DEDUCTIBLE $50/$150
$50/$150 (INDIVIDUAL/FAMILY)1
(INDIVIDUAL/FAMILY)1
LIFETIME ORTHODONTIA MAXIMUM1 $1,500
PREVENTIVE SERVICES (TWICE A
YEAR) PREVENTIVE SERVICES (TWICE A YEAR)
• Exams • Exams
• Routine cleanings • Routine cleanings
• Fluoride: for children up to age 18 100% • Fluoride: for children up to age 18
• Sealants: for children up to age 19 • Sealants: for children up to age 19 100%
• X-rays • X-rays
• Space maintainers: for children • Space maintainers: for children missing
missing baby teeth up to age 14 baby teeth up to age 14
BASIC SERVICES
BASIC SERVICES
•Fillings
• Fillings 80%2 •Stainless steel crowns
• Stainless steel crowns •Emergency treatment
• Emergency treatment •Endodontics: root canal treatment 90%2
•Periodontics: treatment of gum disease
•Oral surgery: simple and surgical
extractions
MAJOR SERVICES
• Endodontics: root canal treatment
• Periodontics: treatment of gum
disease
MAJOR SERVICES
• Prosthodontics: bridges, partial • Prosthodontics: bridges, partial dentures,
dentures, complete dentures 50%2 complete dentures
• Bridge and denture repair • Bridge and denture repair
60%2
• Implants • Implants
• Restorative: crowns and onlays • Restorative: crowns and onlays
• Oral surgery: simple and surgical
extractions
ORTHODONTIC SERVICES (AGES 8+) 50%
1Combination of in-network and out-of-network.
2Deductibles apply to these services.
For questions, contact Delta Dental at 800.352.6132 or visit deltadentalaz.comPAGE 22 2022–2023 BENEFITS
TDA DENTAL INSURANCE
Total Dental Administrators (TDA) provides comprehensive dental care on a predetermined fee
schedule. There are no deductibles, no claim forms, and no annual or lifetime benefit maximums.
Services are covered in the state of Arizona only.
NO ID CARD REQUIRED. TDA will issue an ID card to new enrollees. You don’t need your card,
though, to receive dental care—your dentist will have your name on file once covered.
DHMO PLAN IN-NETWORK COPAY
BENEFIT OVERVIEW (YOUR COST)
PREVENTIVE/DIAGNOSTIC
Initial exam $0
Adult cleaning $0
Office visits $0
RESTORATIVE
Amalgam (one surface) $13
Amalgam (two surfaces) $24
Resin (one surface) $29
Resin (two surfaces) $40
CROWN & BRIDGE
Crown porcelain $495*
Crown buildup $80
ENDODONTICS
Root canal therapy (anterior) $195
Root canal therapy (molar) $399
ORAL SURGERY
Extraction $40
Soft tissue impaction $90
PROSTHETICS
Complete denture $615*
Partial denture $550*
PERIODONTICS
Osseous surgery/quad $390
*Copay includes lab fee. Lab fees may vary; check with your provider for more details.
Refer to plan summary for a complete list of covered services.
HOW DO I PICK MY STEP 3
PROVIDER? Make note of the provider code number listed
to the right of the dental office. You’ll use this
STEP 1 code number to identify your selection when
While in the iVisions portal, click the TDA link to enrolling for benefits or calling customer
navigate to the website. service. Once you have picked your provider,
you must use the selected provider.
STEP 2
Click on “find a provider” and select your Contact TDA customer service at 888.422.1995
DHMO dental plan network. if you need to change your provider mid-year.
For questions, contact TDA at 888.422.1995 or visit tdadental.comPAGE 23 2022–2023 BENEFITS
VSP VISION INSURANCE
Using your VSP Choice benefit is easy. Simply create an account at VSP.com. Once your account is
activated, you can review your benefit information and find an eye doctor who’s right for you.
NO ID CARD NECESSARY. At your appointment, tell the office staff that you have VSP. They may
ask for additional personal information to verify your coverage. From there, you’re good to go.
You can also print out an ID card for reference through your online VSP account.
CHOICE PLAN IN-NETWORK
FREQUENCY
BENEFIT OVERVIEW COPAY
VISION EXAM $10 Every 12 months
See Frames &
PRESCRIPTION GLASSES $25
Lenses
FRAMES
$200 featured frame brands allowance Included in Every 12 months
$180 frame allowance prescription
20% savings on your allowance glasses copay
$100 Walmart/Sam’s Club/Costco frame allowance
LENSES
Included in Every 12 months
Single vision, lined bifocal, and lined trifocal lenses
prescription
Impact-resistant lenses for children
glasses copay
LENS ENHANCEMENTS
Standard progressive lenses $0 Every 12 months
UV protection $0
Premium progressive lenses $95–$105
Custom progressive lenses $150–$175
Average savings of 30% on other lens enhancements
CONTACTS (INSTEAD OF GLASSES)
$150 allowance; no copay Up to $60 Every 12 months
Contact lens exam (fitting and evaluation)
ESSENTIAL EYECARE PROGRAM
Retinal screening for members with diabetes $0 As needed
Additional exams and services for members with diabetic $20 per exam
eye disease, glaucoma, or age-related macular
degeneration. Limitations and coordination with your
medical coverage may apply. Ask your VSP doctor for
details.
ENJOY SHOPPING ONLINE?
Go to eyeconic.com and use your vision benefits to shop over 50 brands of contacts, eyeglasses, and
sunglasses. Brands include Bebe, Calvin Klein, Gucci, Ray-Ban, Nike, Nine West, and more!
For questions, contact VSP at 800.877.7195 or visit vsp.comPAGE 24 2022–2023 BENEFITS
BASIC LIFE AND AD&D INSURANCE
The district provides eligible employees with basic term life and accidental death and
dismemberment insurance coverage for each eligible employee who works a .75 or greater
contract. Employees hired prior to 2009 who work between .5 and .74 receive a prorated level,
commensurate with their contract. Eligible classified and certified employees are provided basic life
coverage in the amount of $50,000. Administrative employees are provided their annual salary
plus $50,000 to a maximum of $250,000.
After you reach age 65, the policy amount is reduced by 35%, and then reduced again at age 70
by 50%. An accelerated death benefit is also available in the event of your terminal illness.
You must designate a beneficiary at least 18 years of age for the basic life insurance benefit. To
update your beneficiary information, you can do so in the iVisions system.
SUPPLEMENTAL LIFE AND AD&D INSURANCE
If eligible, you have the opportunity to purchase supplemental life insurance coverage for yourself
and your eligible spouse and dependent children. You must elect supplemental life for yourself to
be eligible for supplemental dependent coverage. Note: The amount of coverage, once elected, will
not automatically reduce with age. However, the amount you pay out-of-pocket will increase as you
age.
SUPPLEMENTAL COVERAGE AMOUNTS
YOU YOUR SPOUSE YOUR CHILDREN
AVAILABLE $10,000–$500,000 in $10,000–$250,000 in Up to 15 days old: $1,000
AMOUNTS increments of $10,000 increments of $10,000
15 days to 26 years:
Cannot exceed 5 times Cannot exceed the $10,000
your annual salary combined amount of
your basic life and
supplemental life
benefits
GUARANTEED $150,000 $30,000 $10,000
ISSUE AMOUNT
GUARANTEED ISSUE AMOUNT
The guaranteed issue amount, is a set amount of life insurance that is guaranteed to first time
enrollees only. New plan enrollees do not require a statement of Health (SOH). Late entrants into the
plan will require a SOH to be submitted before the life insurance is active.
SOH is an application process that requires you to complete a form for your medical history in order
to be approved for the life insurance amount requested. SOH is required for new enrollees enrolling
above the guaranteed issue amount and for existing enrollees increasing their life insurance.
Pay close attention during enrollment to determine if an SOH is needed.
For questions, contact Kairos at 888.331.0222 or visit metlife.comPAGE 25 2022–2023 BENEFITS
SHORT-TERM DISABILITY INSURANCE
Voluntary short-term disability coverage helps provide income protection for employees with
unexpected health events, associated expenses, and possible time away from work due to a
non-occupational injury or sickness.
Eligible employees can elect to purchase voluntary short-term disability coverage. The plan
provides benefits in the amounts of 40%, 50%, and 66.67% of your salary, up to a $1,154
weekly maximum benefit. Benefits are paid in the event you cannot work due to a covered
non-occupational sickness or injury, for up to 25 weeks of continuous disability. This plan
covers maternity the same as a sickness.
Benefits begin following the plan’s 7-day elimination period. Benefits are paid in addition to
accumulated sick leave—even when school is not in session—if you are unable to work. Your
benefit will be offset by other income sources as defined by MetLife group policies. These
sources include, but are not limited to, Social Security and state retirement systems. However, the
minimum weekly benefit amount payable under the voluntary short-term disability policy cannot
be lower than a $20 weekly benefit, regardless of the amount of income you receive from other
sources. Income received from salary continuation or accumulated sick leave plans will not be
deducted from your gross disability benefit.
PRE-EXISTING CONDITION LIMITATIONS
The policy does not cover an illness or accidental injury that arose in the three months prior to
your plan effective date. In addition, to be eligible for coverage during pregnancy, your
pregnancy must occur on or after the benefit effective date (e.g., July 1, 2022 if you are enrolling
during open enrollment).
IMPORTANT
If you receive a salary
increase, your short-
term disability does not
increase automatically.
You may sign up for this
coverage only during
open enrollment, or as a
new hire.
You may not drop
coverage until the next
open enrollment period.
For questions, contact MetLife at 877.638.7868 or visit metlife.comPAGE 26 2022–2023 BENEFITS
WORKSITE BENEFITS
Worksite benefits offered through MetLife are intended to offset out-of-pocket medical expenses.
This is another layer to your medical insurance that pays you a lump sum cash benefit. You and
your eligible spouse/dependents can enroll in these benefits but you must also enroll in the same
plans—for example, you may not enroll in accident coverage for yourself and critical illness
coverage for your dependents.
There are 3 plans to choose from. Pick one or pick them all.
BENEFIT HOSPITAL INDEMNITY CRITICAL ILLNESS ACCIDENT
OVERVIEW
OVERVIEW Cash benefit for Cash benefit for covered Cash benefit for injuries in a
hospitalization services critical illnesses covered accident
NOTE: Pre-existing condition
limitations apply
BENEFITS Admission: $500 3 critical illness amounts to Injury: $50–$10,000
ICU admission: $500 choose from: Medical services/treatment:
Confinement: $200/day, up $25–$2,000
$10,000
to 15 days Hospital (accident): $200–
$20,000
ICU confinement: $200/day, $2,000
$30,000
up to 15 days Accidental death: $50,000
Inpatient rehab: $200/day, Your spouse and dependent Dismemberment: $500–
up to 15 days children receive 50% of your $50,000
initial benefit Lodging: $200/night, up to
30 nights
AGE Benefits reduce by 25% at None Benefits reduce by 25% at
REDUCTION age 65, and by 50% at age 70 age 65, and by 50% at age 70
Learn how the worksite
benefit plans work
HEALTH SCREENING BENEFITS AVAILABLE
MetLife will pay you and your enrolled dependents $50 per calendar year for each of the plans for
which you are enrolled, by completing a covered screening/test and submitting the information to
MetLife.
Examples of covered screenings include: a blood test to determine total cholesterol, an endoscopy,
or colonoscopy. (Refer to the plan document for more services.)
When you’re ready to claim your $50:
1. Call 877.638.7868
2. Provide a few details, including: your doctor’s contact information; the screening/test and date it
was completed; and address of where the screening/test was performed.
3. Receive your $50.
For questions, contact MetLife at 877.638.7868 or visit mybenefits.metlife.comPAGE 27 2022–2023 BENEFITS
PREPAID LEGAL COVERAGE
Our legal plans through MetLife provide access to a national network of over 17,000 attorneys to
help navigate important life events. Through the program, you can participate in telephone and
office consultations with attorneys on a broad range of legal issues.
PREPAID LEGAL ADVANTAGES
Telephone advice and office consultation Money-back guarantee
on an unlimited number of legal matters No deductibles or copays
(exclusions may apply)
No claim forms
Access to attorneys in person or by phone,
email, or mobile app No usage limits
Prepaid legal is here to help you with:
Getting married Buying or selling your home Sending kids off to
and starting a college
family
Pick a plan that suits your needs.
HIGH PLAN
LOW PLAN
(In addition to Low Plan features)
COVERED SERVICES • Identity theft defense • Personal bankruptcy
• Tenant negotiations • Tax audit representation
• Foreclosures and mortgages • Refinancing and home equity
• Powers of attorney (health care, loan
financial, child care, immigration) • Revocable and irrevocable trusts
• Simple or complex wills • Civil litigation defense
• Disputes over consumer goods • Juvenile court defense
• Defense of traffic tickets • Adoption
Exclusions: DUI, divorce, felonies, work-related matters, pre-existing legal matters
For questions, contact MetLife at 877.638.7868 or visit legalplans.comPAGE 28 2022–2023 BENEFITS
IDENTITY THEFT PROTECTION
Protecting your personal information is more important than ever. To help our members reduce
the risk of identity theft, we offer a comprehensive benefits package through Aura.
You have the option to enroll in one of two plans offered through Aura. The monthly contributions
will be deducted from your paycheck.
SEPARATE ENROLLMENT STEP REQUIRED. All you need to do is select Aura as a benefit option
during the benefits enrollment process. Then, you’ll receive an email from Aura on or around your
benefit effective date inviting you to set up your account credentials and login to your member
dashboard.
Choose the plan that's right for you.
DIGITAL GUARD
DIGITAL GUARD
COMPLETE
ADDRESS MONITORING
HIGH RISK TRANSACTION MONITORING
CREDIT SCORE TRACKER
SSN AND PERSONAL ID MONITORING
DARK WEB MONITORING
401(K) AND HSA REIMBURSEMENT
BANK ACCOUNT OPENING AND TAKEOVER MONITORING
COURT RECORD MONITORING
1,000,000 IDENTITY THEFT INSURANCE
UNEMPLOYMENT AND TAX FRAUD RESOLUTION
ROBO-CALL/ROBO-TEXT PROTECTION
CREDIT AND DEBIT CARD MONITORING
MONITORING ALERTS WITHIN MINUTES
ANTI-VIRUS
VPN (WIFI SECURITY)
Refer to plan document for a complete list of covered services, terms, and conditions.
For questions, contact Aura at 855.443.7748 or visit aura.com.PAGE 29 2022–2023 BENEFITS
UNITED PET INSURANCE
Pet insurance pays, partly or in total, the cost of veterinary treatment for your ill or injured pet.
You have 2 different pet insurance plans to choose from.
United Pet Care offers a unique and affordable pet healthcare program that saves you 20–50% at
the veterinarian. All pets are eligible. Savings are immediate, with no claim forms or deductibles.
A selection of veterinary clinic is required at enrollment time.
You will enroll through the iVisions benefits portal, and this coverage will be payroll deducted.
After you enroll through the portal, visit unitedpetcare.com/susd to register your pet.
For questions, contact United Pet Care at 602.266.5303 or visit unitedpetcare.com
NATIONWIDE PET INSURANCE
The My Pet Protection plans from Nationwide help you provide your pets with the best care
possible:
GET CASH BACK ON VET BILLS EXCLUSIVE TO YOU
Choose your reimbursement level of This offer is exclusive to Scottsdale
50% or 70%. employees only.
SAME PRICE FOR PETS OF ALL USE ANY VET, ANYWHERE
AGES No networks, no pre-approvals.
Your rate won’t go up because your
pet had a birthday.
To enroll your cat or dog, visit petinsurance.com/kairoshealthaz.
IMPORTANT:
Nationwide Pet Insurance
is not deducted from your
paycheck. You will be
responsible for paying the
monthly premium directly
to Nationwide.
For questions, contact Nationwide at 877.738.7874 or visit petsnationwide.comPAGE 30 2022–2023 BENEFITS
THIS GUIDE IS
INTENDED
ONLY AS A
BRIEF
DESCRIPTION
OF YOUR
PLAN BENEFITS
This guide attempts to
describe important details and
changes to the Scottsdale
Unified School District health
plans in a clear, simple, and
concise manner. If there is a
conflict between this guide and
the wording of plan
documents, the plan
documents will govern.
Scottsdale Unified School
District retains the right to
change, modify, suspend,
interpret, or cancel some or all
of the benefits or services at
any time.PAGE 31 2021–2022 BENEFITS
MID-YEAR CHANGES TO YOUR HEALTH CARE BENEFIT ELECTIONS
IMPORTANT: After this open enrollment period is enrollment within 60 days after the Medicaid or
completed, generally you will not be permitted to S-CHIP coverage ends.
change your benefit elections or add/delete
• become eligible for a premium assistance program
dependents until next year’s open enrollment, unless
through Medicaid or S-CHIP. However, you must
you have a special enrollment event or a mid-year
request enrollment within 60 days after you
change in status event as outlined below:
(or your dependents) are determined to be eligible
Special enrollment event: If you are declining for such assistance.
enrollment for yourself or your dependents To request special enrollment or obtain more
(including your spouse) because of other health information, contact Scottsdale Unified School
insurance or group health plan coverage, you may be District at 480.484.6104.
able to enroll yourself and your dependents in this
Mid-year change in status event: Because Scottsdale
plan if you or your dependents lose eligibility for that
Unified School District pre-taxes benefits, we are required
other coverage (or if your employer stops
to follow Internal Revenue Service (IRS) regulations
contributing toward your or your dependents’ other
regarding whether and when benefits can be changed in
coverage). However, you must request enrollment
the middle of a plan year. The following events may allow
within 31 days after your or your dependents’
certain changes in benefits mid-year, if permitted by the
other coverage ends (or after the employer stops
IRS and your employer’s respective Section 125 plan,
contributing toward the other coverage).
which provides final authority:
In addition, if you have a new dependent as a result
of marriage, birth, adoption, or placement for • change in legal marital status (e.g., marriage,
adoption, you may be able to enroll yourself and divorce/legal separation, death);
your dependents. However, you must request • coverage of the employee’s or spouse’s plan; and
enrollment within 31 days after the marriage, birth, • changes consistent with special enrollment rights and
adoption, or placement for adoption. FMLA leaves.
You and your dependents may also enroll in this plan if You must notify the plan in writing within 31 days of the
you (or your dependents): mid-year change in status event by contacting Scottsdale
• change in number or status of dependents Unified School District. The plan will determine if your
(e.g., birth, adoption, death); change request is permitted, and if so, changes will
• change in employee’s/spouse’s/dependent’s become effective prospectively on the first day of the
employment status, work schedule, or residence month following the approved change-in-status event
that affects eligibility for benefits; (except for the case of newborn and adopted children,
• have a Qualified Medical Child Support Order who are covered retroactively to the date of birth,
(QMCSO); adoption, or placement for adoption).
• have a change in entitlement to or loss of
eligibility for Medicare or Medicaid; Losing medical coverage through the Marketplace is not
• experience certain changes in the cost of considered a qualified life event with Scottsdale Unified
coverage, composition of coverage, or School District, and you will not be allowed to join the
curtailment of coverage of the employee’s or plan mid-year. However, you can drop your Scottsdale
spouse’s plan; and Unified School District medical coverage to join a
• have coverage through Medicaid or a State
Marketplace plan mid-year. You will be required to provide
Children’s Health Insurance Program (S-CHIP) and
proof of coverage within 31 days of your enrollment.
you (or your dependents) lose eligibility for that
coverage. However, you must request
WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998 (WHCRA)
You or your dependents may be entitled to certain
• prostheses; and
benefits under the Women’s Health and Cancer
Rights Act of 1998 (WHCRA). For individuals • treatment of physical complications of the
receiving mastectomy-related benefits, coverage will mastectomy, including lymphedema.
be provided in a manner determined in consultation
with the attending physician and the patient for: Plan limits, deductibles, copayments, and coinsurance
apply to these benefits. For more information on
• all stages of reconstruction of the breast on
WHCRA benefits, contact Kairos at 888.331.0222 or
which the mastectomy was performed;
your Benefits Department at 480.484.6104.
• surgery and reconstruction of the other breast
to produce a symmetrical appearance;You can also read
