Benefit Decision Guide 2020-2021 - School District of Amery
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2020-2021
Benefit Decision Guide
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CONTACT INFORMATION
Keep this sheet handy so you always have the right number to get the quickest answer
to your benefit related questions.
I need to…find a provider, understand how a procedure is covered, ask a question about an
Explanation of Benefits (EOB), talk to someone about my health.
Medical and Dental
HealthPartners Member Service: 800-883-2177 healthpartners.com
Careline Nurse: 800-551-0859
Nurse Navigator: 800-883-2177
Babyline Service: 800-845-9297
Behavioral Health: 888-638-8787
Health & Wellbeing: 952-883-7800
Vision
Delta Vision 866-723-0513 eyemedvisioncare.com
STD and LTD
National Insurance Services (NIS) 800-627-3660 x1224 nisbenefits.com
Life, Critical Illness and Accident
Unum 800--275-8686 unum.com
Flexible Spending Account (FSA)
Educators Benefit Consultants, LLC 888-507-6053 ebcsolutions.com
Health Savings Account (HSA)
WESTconsin Credit Union 800-924-0022 westconsincu.org
Employee Assistance Program (EAP)
National Insurance Services (NIS) 800-600-1600 niseap.com
Password: NISenhanced
I need to…know how much my District contributes to my premiums, understand a benefit or HR policy at work.
Director of Personnel
715-268-9771 x278 sikkinkt@amerysd.k12.wi.us
Twila Sikkink
I need...help understanding what the benefits are and why I might choose them.
Alicia Schwartz 715-246-8067 aschwartz@jacounter.com
I need...help with a bill I received or help working through a claim issue the carrier couldn’t resolve.
Benefit Advocates 715-246-3811 advocate@jacounter.com
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YOUR ENROLLMENT OPPORTUNITY IS NOW! Mark your calendar - this is your chance to enroll in or make changes to your benefits for the 2020-21 plan year. OPEN ENROLLMENT Each year you have an opportunity to make or change your benefit elections. Your Open Enrollment period is Wednesday, April 29th - Friday, May 8th, 2020. It is important to complete your elections during this time period. NEW HIRES Welcome! This guide will help you through the benefit enrollment process. You are eligible for benefits on the first day of employment. It is important that you complete your enrollment paperwork in a timely fashion. Missing the deadline means you will have to wait until next year’s Open Enrollment to enroll. SPECIAL ENROLLMENT For any benefit changes outside of your annual Open Enrollment or new hire period, you will need to have a Qualifying Event—qualifying events are typically big life events that change your status in some way - marriage or divorce, birth or adoption, death in the family or change of employment. It is up to you to notify the District within 31 days of the date that the Qualifying Event occurred. AM I ELIGIBLE? All employees working 30+ hours per week are eligible for the benefits outlined in this package. You become eligible on your first day of employment. ENROLLMENT DOCUMENTS All forms needed to enroll in benefits are located on the “Staff Home” link in the District website. From here please go to Employee Resources > Benefits Prepared by
MEDICAL PLAN
Offering health insurance benefits to our employees is an important component of our overall benefit package. Below
is a summary of the medical plan benefits available to you and your dependents. For additional detail about coverage
provided by the plan reference the Summary of Benefits Coverage.
NOTE: Employees who are currently enrolled in an Amery School District medical plan will continue to be enrolled
for the 2020-2021 plan year. If you wish to make changes to your election, including adding or deleting dependents,
you must contact the District Office before the end of Open Enrollment.
PREFERRED NON-PREFERRED
In-Network Benefits HSA PLAN HSA PLAN
$2,800 - 100% HSA Rx+ $3,300 - 100% HSA Rx+
Health and Well-being Health and Well-being
Requirement MET Requirement NOT MET
Preventive Care 100% Coverage 100% Coverage
100% Coverage after Deductible 100% Coverage after Deductible
Non-Preventive Care Visits $49 Copay - Virtuwell $49 Copay - Virtuwell
$2,800 Per Person $3,300 Per Person
Deductible or or
$5,600 Per Family $6,600 Per Family
$12 Generic /$45 Brand $12 Generic /$45 Brand
Prescription Drugs
*Mail Order: $24 Generic /$90 Brand *Mail Order: $24 Generic /$90 Brand
Specific Preventive Drugs:
*90 day supply * 90 day supply
Other Covered Medications:
100% Coverage after Deductible 100% Coverage after Deductible
$2,800 Per Person $3,300 Per Person
Out-of-Pocket Max $5,600 Per Family $6,600 Per Family
District HSA Contribution $1,200 Individual Contract $1,200 Individual Contract
(for employees paying 12% of premium) $2,400 Family Contract $2,400 Family Contract
Monthly Premiums Single Family
Total Monthly Premium $823.72 $1,809.63
Employee share if paying 12% of Premium $98.85 $217.16
Employee share if paying 35% of Premium $288.30 $633.37
Employee share if paying 40% of Premium $329.49 $723.85
Contact the District Office for questions on which cost sharing category pertains to you.
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HEALTH & WELL-BEING PROGRAM
The District is excited to provide employees and spouses a comprehensive wellness program focused on
helping you to improve your health and live a longer, healthier, disease-free life. Congratulations to those
who participated in the wellness program during the 2019-2020 plan year and earned your deductible
differential for the upcoming year!
Health plan members (employee and spouse) who would like to take advantage of this opportunity for the
2020-2021 school year will be required to complete the following components.
1. Health Risk Assessment
2. One online wellbeing activity
By completing the program you will receive a preferred benefit which is a $500 single/$1,000 family deductible
differential for the 2021-2022 plan year. *
HealthPartners has a Health and Well-Being platform with a variety of programs and website access, The
platform provides a personalized experience that will be specific to your needs and appetite for wellness
initiatives. Here is a sample of the programs you can choose from:
· Wellbeats New this year!!
· Online Trackers (10,000 Steps, Sleep & Stress Tracking)
· Digital activities (Go for Fruits & Veggies, Choose to Lose, Healthy Thinking)
· Frequent Fitness (To be completed between July 1, 2020 and February 28, 2021)
· Healthy Pregnancy
· Case Management
· Beating the Blues
· Virtual Coaching
Checkout the website at healthpartners.com/wellbeing.
* Earning the Preferred benefit guarantees that your deductible will be $500 single/$1,000 family less than the deductible of a
member who chooses not to fulfill the Health & Well-Being plan requirements. It does not mean that your deductible will be
less than it is today.
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HEALTH SAVINGS ACCOUNT (HSA)
The opportunity to participate in an HSA is connected to your enrollment in a
qualified high-deductible health plan (HDHP) such as the medical plan offered through Amery School
District. An HSA is a tax-favored account, set-up to pay certain qualified expenses of the account owner and
their tax dependents.
Why consider a health savings account?
· Reduce your expected monthly spend – moving to a high-deductible health plan (HDHP) typically
comes with lower premiums, reducing your monthly cost.
· It’s portable – it’s your money, take it with you.
· Reduce your tax burden – contributions to your HSA are made with pre-tax dollars and the dollars
you spend on qualified expenses are not taxed when you use them.
· Balance your retirement savings – the funds in your HSA accumulate tax-free, as does the interest.
· Funds roll-over – you never lose your dollars, they roll over and grow every year.
What else do I need to know?
There are some important eligibility requirements to know about. Review these eligibility rules and make
certain you are eligible before making or receiving HSA contributions.
· You are enrolled in an eligible high-deductible health plan.
· You are not enrolled in any other non-HSA qualified plan.
· You are not eligible to use a general purpose flexible spending account (FSA).
· You are not claimed as a dependent on another person’s tax return.
· You are not enrolled in Medicare, Medicaid or Tricare.
· You have not used VA medical benefits other than preventive services in the past three months.
WANT TO TAKE ADVANTAGE OF THE HEALTH SAVINGS ACCOUNT?
HERE IS HOW:
Step 1: Enroll in the qualified HDHP effective July 1, 2020
Step 2: Make an appointment with WESTconsin Credit Union (an hour needed) to set up your Health
Savings Account (HSA).
Step 3: Complete a Health Savings Account (HSA) Payroll Deduction Authorization form.
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HEALTH SAVINGS ACCOUNT (HSA) CONTINUED
HSA Contribution Limits
If you enroll in the HDHP and are eligible to make or receive HSA contributions, the District will make tax-
free contributions to your HSA with each payroll they process. You must complete a Health Savings Account
(HSA) Payroll Deduction Authorization form, which will indicate whether or not you are eligible for the HSA
contributions. You will also indicate what you wish to contribute to your account through pre-tax payroll
deductions.
2020 District District District
Coverage Type IRS Maximum Contribution Contribution Contribution
Contribution 12% Employees 35% Employees 40% Employees
Single $3,550 $1,200 $780 $720
Family $7,100 $2,400 $1,560 $1,440
NOTE: If you are age 55 or older and are not enrolled in Medicare
you are eligible to contribute up to $1,000 over the annual limits shown above.
How do my HSA claims get paid?
Medical provider submits
You use your HSA
charge to insurance carrier An explanation of benefits debit card or check to
for payment (EOB) is sent to you showing pay for services or pay
deductible has not been met with personal funds
NO
You receive services from Has my deductible
provider and show them your been met?
membership card
YES Insurance carrier writes a
Medical provider is
check to the provider for
paid the amount due
their portion of the bill
Insurance carrier applies discount
and re-prices services
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DENTAL PLAN
Your dental health is an important component of overall health, poor oral hygiene has been shown to
contribute to heart disease and other significant issues. Dental plan benefits are a great way to save money
on preventive care and costly procedures that come up unexpectedly during the year.
DENTAL
BENEFIT OVERVIEW
In-Network
Deductible None
Preventive Services 100% Coverage
Basic Services 100% Coverage
Major Services
Crowns, Inlays, Onlays 80% Coverage
Bridges, Dentures & Implants 50% Coverage
Orthodontia (to age 19) 50% to Lifetime Max
Orthodontia Lifetime Maximum $2,000 per person (to age 19)
Calendar Year Maximum $1,000 per person
MONTHLY
PREMIUMS
Single Family
Total Monthly Premium $57.90 $163.90
Employees Paying 12% of Premium $6.95 $19.67
Employees Paying 35% of Premium $20.27 $57.37
Employees Paying 40% of Premium $23.16 $65.56
Contact the District Office for questions on which cost sharing category pertains to you.
Rates may vary slightly due to rounding
Little Partners Coverage
Network services for children 12 years old and under will be covered at 100% without
deductible, annual maximums, or frequency limitations.
Some exclusions do apply. See your HealthPartners Plan Document for details.
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VISION PLAN
If you or your family need vision correction, it’s a great idea to consider a vision plan. If you
do decide a vision plan is right for you, it is really important that you utilize a network
provider in order to get the best value from the plan.
VISION
BENEFIT OVERVIEW
In-Network
Vision Network EyeMed
Exams (every 12 months) $10 Copay then 100%
Lenses (every 12 months) $10 Copay then 100%
$150 Allowance
Contacts (every 12 months)
15% off remaining balance for conventional
$150 Allowance
Frames (every 24 months)
20% off remaining balance
15% off retail price
Laser Vision Correction
5% promotional price
EMPLOYEE PAID
MONTHLY PREMIUMS
Single $7.80
Family $19.42
For an up-to-date listing of in-network vision providers visit:
www.deltadentalwi.com or call 1-866-246-9041
Be sure to specify EyeMed Access network.
Prepared bySHORT TERM DISABILITY (STD)
Short Term Disability protection is designed to pay you a percentage of your pre-disability earnings in the
event you miss work due to a disability.
If the optional STD is elected when you are first eligible, there will be no evidence of insurability (E of I) or
health questions required. If the optional STD is waived when first eligible, you will be subject to health
history, underwriting and are subject to declination.
BENEFIT OVERVIEW
EMPLOYEE PAID
1st day of an accident
Benefit Begins
4th day of an illness
Benefit Duration 90 Days
Weekly Benefit 66 2/3% of weekly pay
Maximum Benefit $767 Weekly
Guaranteed Issue $504 Weekly
Pre-existing condition Limitation 12/12
IF YOUR ANNUAL YOU CAN APPLY FOR UP EMPLOYEE PAID
SALARY IS ABOVE THIS AMOUNT: TO THIS WEEKLY BENEFIT: MONTHLY PREMIUM
$9,282 $119.00 $6.55
$11,465 $147.00 $10.31
$13,649 $175.00 $12.02
$17,471 $224.00 $15.46
$21,292 $273.00 $18.92
$23,476 $301.00 $20.63
$27,844 $357.00 $24.64
$32,758 $420.00 $28.67
$36,034 $462.00 $31.54
$39,310 $504.00 (Guaranteed Benefit Amount) $34.40
$45,238 $580.00 $39.38
$52,024 $667.00 $45.29
$59,824 $767.00 $52.08
Prepared byLONG TERM DISABILITY (LTD)
Long term disability helps ensure your income in the case of a disability that extends beyond the scope of
short term disability. Over 36 million Americans are classified as disabled; which is about 12% of the
population. More than 50% of disabled Americans are in their working years, from ages 18-64.
BENEFIT OVERVIEW
DISTRICT PAID
Benefit Begins 91 Days
Benefit Duration Social Security Normal Retirement Age (SSNRA)
Monthly Benefit 90% of Monthly Pay
$9,750 Administrators
Maximum Monthly Benefit
$8,475 Teachers and Eligible Non-Certified Employees
Own Occupation Period 24 Months
Help for Managing your Life
We recognize that personal and family problems can impact your life both at home and at work. When you face these challenges
in life, it’s nice to know there is a place to turn. To assist you and your family in getting the help you need, an Employee
Assistance Program (EAP) program is provided along with your Long Term Disability benefit through NIS. It is a confidential
support service designed to help you with the issues that affect your life the most.
To access this benefit call 866-451-5465 or go to
www.niseap.com. Use password: NISenhanced
Prepared byLIFE INSURANCE PLANS
Life insurance is used to ensure the health and happiness of your loved ones,
even after you’re gone. The District pays 40% of your Basic Life and AD&D
premium and you have the option to invest in additional protection for yourself and your family.
BASIC LIFE AND AD&D ADDITIONAL LIFE AND AD&D
BENEFIT OVERVIEW BENEFIT OVERVIEW
DISTRICT PAYS 40% / EMPLOYEE PAYS 60% EMPLOYEE PAID
Minimum of $10,000
Life Benefit 1x Annual Salary
Maximum of $500,000 not to exceed
Employee Benefit
AD&D Benefit Same as life benefit 5x earnings
Guarantee Issue of $150,000
District $0.22 per $1,000
Monthly Premium of Benefit Minimum of $5,000
Maximum of $500,000 not to exceed
Employee $0.132 per $1,000 Spouse Benefit
100% of employee amount
Monthly Premium of Benefit
Guarantee Issue of $25,000
Age reduction schedule applies. Minimum of $1,000
See plan certificate for details.
Child(ren) Benefit Maximum of $10,000
Guarantee Issue of $10,000
You must elect life coverage for yourself in order to cover
your spouse and/or children.
ADDITIONAL LIFE AND AD&D
EMPLOYEE, SPOUSE AND CHILD(REN)
MONTHLY PREMIUM
Employee or Spouse Child
Age
Per $10,000 of Benefit per $1,000 of BenefitCRITICAL ILLNESS PLAN
When a serious illness strikes, Critical Illness Insurance can provide financial
support to help you through a difficult time. It will pay a lump-sum cash benefit to you, which you can use as
you wish.
Coverage for Critical Illness is guaranteed up to the maximum benefit. All employees working 30 or more
hours per week must complete an election form, to enroll in or change Critical Illness coverage before the
end of Open Enrollment. You will receive a personalized packet during Open Enrollment with enrollment
application.
CRITICAL ILLNESS PROTECTION
EMPLOYEE PAID
Covered Conditions Cancer, Heart Attack, Coronary Artery Bypass, Stroke, Organ Failure, Paralysis,
(including but not limited to) Blindness, Cerebral Palsy, Cystic Fibrosis, Down Syndrome, Spina Bifida
You and your covered family members receive a $50 annual incentive for receiving
Wellness Benefit important tests and screenings.
Employee Coverage Options $5,000 or $10,000
Spouse Coverage Option
(employee must also enroll) $5,000
Eligible dependent children are automatically included if you elect
Child(ren) Coverage employee coverage. Children are covered at 50% of the Employee’s election.
Pre-existing Condition Limitation 12/12
See Unum plan material for complete list of benefits
CRITICAL ILLNESS CRITICAL ILLNESS
MONTHLY PREMIUM PER $5,000 OF BENEFIT MONTHLY PREMIUM PER $10,000 OF BENEFIT
Age Non-Tobacco Tobacco Age Non-Tobacco TobaccoACCIDENT PLAN
You can’t always avoid accidents ─ but you can protect yourself from accident-related costs that can strain
your budget.
Accident insurance pays you directly when you or a covered dependent receive medical treatment due to
an accidental injury. Accident insurance provides a necessary layer of financial protection whether or not
your medical plan covers the medical service expense. This plan also pays a $50 incentive when you or
your covered dependents receive certain preventive screenings (which are typically covered 100% by your
medical plan). Below is a brief summary of services that would trigger accident plan payments; view the
Unum enrollment materials for additional detail.
All employees working 30 or more hours per week may complete an election form, to change, enroll OR
waive Accident coverage, before the end of Open Enrollment.
ACCIDENT PROTECTION
EMPLOYEE PAID
Ambulance, Chiropractic, ER, Hospitalization, Imaging, Surgery,
Therapy, Rehabilitation, Burn, Dislocation, Dental Injury, Eye
Covered Treatments/Services Injury, Fracture, Laceration, Torn Cartilage, Prosthetic Device,
(including but not limited to) Ruptured Disc, Tendon/Ligament/Rotator Cuff Repair, Acci-
dental Death/Dismemberment, Paralysis, Loss of Hearing, Loss
See Unum plan material for complete list of benefits
MONTHLY PREMIUM
Employee Only $16.14
Employee + Spouse $26.67
Employee + Child(ren) $29.03
Employee + Family $39.56
ACCIDENT FAQS
How can I use the money?
You can use it any way you choose — for monthly bills, co-pays, deductibles or other expenses
your medical plan doesn't cover.
How will I receive my payment?
The benefit will be paid directly to you by Unum.
Prepared byFLEXIBLE SPENDING ACCOUNT (FSA)
Flexible spending accounts are another way for you to save money by reducing your
tax burden. You can enroll in the flexible spending accounts even if you are not
enrolled in the District’s group medical plan.
Group Insurance Premium Account Visit www.ebcsolutions.com to enroll today!
The District has made this type of account available to allow you to pay certain premiums with pre-tax dollars.
Your portion of your eligible insurance premiums will automatically be deducted before taxes are applied. This
saves you on Federal, State and FICA taxes! Depending on your income level, this type of account typically
provides a savings of 25-35%.
Dependent Day Care Account
You may choose to set side up to $5,000 ($2,500 if married, filing separately) each year to pay for qualified
dependent day care expenses so you and your spouse can work or attend school full-time. Expenses are
qualified if used for a child under 13 or for the care of a physically or mentally disabled parent, child or other
relative of any age whom you claim as a dependent for federal tax purposes. If you are spending money on
dependent care, consider this account. A dependent day care account does not impact your eligibility for a
health savings account.
Health Care Flexible Spending Account
You may choose to set aside up to $2,750 per year to pay for common expenses such as plan deductibles,
prescription drugs, dental expenses, prescription eyeglasses and contacts. If you are making or receiving
contributions to a Health Savings Account (HSA) and also wish to make healthcare FSA contributions you need
to choose the LIMITED FSA option, as noted below.
Traditional: If you are NOT currently making or receiving HSA contributions (here or through your spouse),
you can set aside money for medical, dental and vision expenses via a Traditional Health Care Flex Account.
Limited: If you are making or receiving HSA contributions, you can set-aside money for dental and vision
expenses only.
HOW CAN I BENEFIT FROM A FLEXIBLE SPENDING ACCOUNT?
Because you set aside money pre-tax, this equals savings for you. FSA plans provide an opportunity to maximize
your pay by reducing taxes taken from your paycheck and increasing your spendable income.
Example: Mary typically incurs an annual out of pocket expense of $515. To minimize her out-of-pocket health
care costs, Mary decides to contribute $500 to her FSA.
Annual Contribution 15% Federal/5% State 7.65% Social Security
$500 $100 Savings* $38.35 Savings*
Although Mary incurs all of her out-of-pocket costs early in the year and has not yet made enough payroll contri-
butions to her account to cover the expenses incurred, she is still able to submit a claim for eligible contributions
to receive full reimbursement of $500 right away. Her before tax payroll contributions will continue until her an-
nual contribution amount is met.
*Actual tax savings will vary based on your tax bracket
Prepared byVALUE-ADDED PROGRAMS
Your vendor-partners have a lot of outstanding additional features, make sure to take advantage of these
great components to get the most value out of those relationships.
Put HealthPartners to Work for You
Health Club Reimbursement Program | Does it really pay to exercise?
Get a $20 credit toward your monthly dues when you meet your monthly workout requirement at any network fitness club.
That’s just a few workouts a week, for money in your pocket. Visit healthpartners.com for a full list of participating clubs.
Value for your health care dollar | Cost and quality tools to help you find a provider that’s right for you
Cost and quality can vary significantly among providers, and knowing the difference can help you save money and have a better
outcome. Look up cost ranges for common procedures at dozens of facilities using healthpartners.com.
Healthy Discounts Program | Save money!
Take advantage of relationships HealthPartners has developed to help you save money on healthy items you were going to buy
anyway! HealthPartners healthy discounts program provides you discounts to over 40 retailers from eyewear to exercise
equipment—it pays to use your membership card! Visit healthpartners.com/discounts for more information.
24-Hour Nurse Line | How can I get fast answers to health care questions?
Call CareLine to speak to an experienced nurse for information and advice about going to see a doctor, home treatment op-
tions or a medicine you are taking. The CareLine is open all day, every day, all year at 800-551-0859.
Decision support about your health and care | I’m overwhelmed with information and just need to talk to
someone who can help me make the best decision for me...
Call HealthPartners Nurse Navigator Program Monday—Friday 7 a.m. to 7 p.m. CT at 800-883-2177 for help and advice relat-
ing to your care and benefits or how to choose a treatment option that’s right for you.
Beating the Blues | Sometimes I feel a little blue and I need help.
Feel in control of your life with an online tool to learn helpful ways to manage your mood, stress and anxiety, all in the privacy
and comfort of your home. Visit healthpartners.beatingthebluesus.com—you’ll need an activation code and your member id to
get started.
Assistance while traveling | I’m on vacation, I need help!
Traveling should be fun and although unexpected trouble can quickly make a trip stressful, one phone call can bring you peace
of mind. Assist America is available to anyone who has HealthPartners, and it doesn’t cost you anything. If you’re more than
100 miles from home, call Assist America 24/7 to get free help with filling lost prescriptions, finding good doctors, getting ad-
mitted to a qualified hospital, tracking down lost luggage or finding a translator. Call Member Services to get connected before
you travel— 800-883-2177.
Have you used Virtuwell yet?
Convenient, easy, cost effective. | I’ve got this rash…
-
—
Prepared byVALUE-ADDED PROGRAMS CONTINUED
Put Unum to Work for You
Worldwide Emergency Travel Assistance. | I am on vacation in Mexico and forgot my medication…
For travel 100 miles or more from home, in or out of the country, anywhere in the world, you have 24-hour phone
access to professionals who can help in an emergency.
They can connect you with pre-qualified medical providers, access to western-style medicine, ambulance and air
ambulance, lost/stolen medication replacement and more.
Life Planning Financial & Legal Resources | My spouse is terminally ill...
Find clarity and comfort during trying times. Life’s changes bring tough questions: What do I do with the will?
There’s so much paperwork - where do I begin? Is it normal to experience this much grief? The answers to these
questions are available at no charge to you, as part of your life insurance from Unum. When a covered employee
or spouse dies or is terminally ill, you can speak to a counselor by phone or get information online.
Life planning financial and legal resource services are provided by Ceridian Corporation.
Put Morneau Shepell to work for You! (offered by NIS)
Employee Assistance Program (EAP). | I am feeling stressed and need help …
Everyday life can be stressful and can affect your health, well-being and performance. Fortunately, our Employee
Assistance Program can aid in finding solutions. When facing personal problems, you might struggle with where to
turn for help. The first step is usually the hardest, and guidance is often the key. That’s why NIS offers and EAP.
An EAP offers a confidential place to find the answers that work for you.
Access to counselors 24-hours a day through a toll-free number.
Legal Assistance - Counselors may refer you to a telephone and/or one in-person consultation with an attorney.
Financial Assistance - Telephone consultation with a financial consultant to address questions on budgeting, taxes
and debt consolidation.
Childcare and Eldercare Assistance - Telephone consultation with a work-life professional to provide
information, referrals and resources related to childcare or eldercare concerns.
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NOTES:
Disclosure
The information in this Benefits Decision Guide is presented for illustrative purposes and is based on information
provided by the District. The text contained in this Benefits Decision Guide was taken from various summary
plan descriptions and benefit information. While every effort was taken to accurately report your benefits,
discrepancies or errors are always possible. In case of a discrepancy between the Benefits Decision Guide and
the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the
Health Insurance Portability and Accountability Act of 1996. If you have any questions about your Benefit
Decision Guide, contact Human Resources.
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