Employee Benefit Presentation 2020-2021 - hickmanmills.org
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2020-2021
Employee Benefit
Presentation
1
WHO, WHAT, WHY
? Who: Introduction
? What are we reviewing today: Open Enrollment Benefit Options
? Why am I on this call: This presentation is to provide an explanation and
understanding of the benefits available to you and the Open Enrollment
process.
2
Monday, April 27th through Friday, May 15th
Hickman Mills School District is partnering with BeneBloc to assist with the
review and enrollment of your benefits.
All benefit eligible employees will sign up for a designated time for your
individual benefit review. Click here to schedule your appointment
https://BeneBlocEnrollment.as.me/hickmanmills.
Go to your benefit portal, https://www.benebloc.com/portals/hickman/ to
review all benefits offered and to schedule your individual benefit
appointment.
Prior to your scheduled meeting be sure to review your benefit guide and all
the options available to you. 3
Open Enrollment
Announcement
Flyer
4
Medical
Cigna remains your medical provider
Four plans are available for you choose from
1. $4000 SureFit HDHP
2. $2800 SureFit HDHP
$450 annual district HSA contribution
3. $2800 OAP (Open Access Plan) HDHP
$450 annual district HSA contribution
4. $1500 SureFIt
Go to www.mycigna.com to look up participating providers
MONTHLY MEDICAL PLAN 1 PLAN 2 PLAN 3 PLAN 4
PLAN RATES
$4000 SUREFIT $2800 SUREFIT $2800 OAP HDHP $1500 SUREFIT
HDHP HDHP Plan
Employee $0.00 $51.27 $120.18 $126.47
Employee + Spouse $461.62 $781.37 $902.66 $943.93
Employee + Children $320.90 $628.12 $737.63 $790.32 5
Family $1152.32 $1537.96 $1714.33 $1766.77
Medical Plan Changes
An INCREASE in the District Premium Contribution for the 2020-2021 Plan year.
For 2020-2021 Plan year the contribution has increased to $854.28 per employee per
month.
Other Plan Changes:
1. $4000 Surefit HDHP – No plan changes
2. $2800 Surefit HDHP ($450 HSA contribution) - HDHP-Increased deductible/out of pocket max from
$2700 to $2800 and out of pocket maximums were raised to $5600 from $5400. **Changes per IRS Regulations
for 2020
3. $2800 OAP (Open Access Plan) HDHP ($450 HSA contribution) – HDHP-Increased deductible/out of
pocket max from $2700 to $2800 and out of pocket maximums were raised to $5600 from $5400 ** Changes
per IRS regulations for 2020
4. $1500 Surefit Network – There is now a deductible for this plan. No Primary Care Physician copays for any
dependents covered under your plan under the age of 19. Emergency room copay increased to $350 copay per
6
visit.
SureFit vs OAP Network
7
Finding a Provider
8
9
10
11
Dental
Two plans offered to you through Cigna
PPO Base Plan
PPO Buy Up Plan
Go to www.deltadentalmo.com to find a participating dentist
No changes to rates or plan benefits
Employer Employee Rate Per
Base Plan Full Premium
Contribution Month
Employee Only $25.20 $25.20 $0
Employee + Spouse $60.83 $25.20 $35.63
Employee + Children $60.36 $25.20 $35.16
Family $121.82 $25.20 $96.92
Employer Employee Rate Per
Buy Up Plan Full Premium
Contribution Month
Employee Only $35.10 $25.20 $9.90
Employee + Spouse $79.59 $25.20 $54.39
Employee + Children $78.99 $25.20 $53.79
Family $159.40 $25.20 $134.20 12Vision
VSP is your vision provider. You may locate an in-network provider at
www.VSP.com.
No changes to rates.
Enhancements to plan designs
VSP Vision Benefit Summary
Plan Feature Base Plan Premium Plan
Exam Copay $10 $10
Materials Copay $25 $25
Frequency:
Exam 1 every 12 months 1 every 12 months
Lenses 1 every 12 months 1 every 12 months
Frames 1 every 24 month 1 every 12 months
VSP Diabetic Eyecare Plus Program $20 copay per visit $20 copay per visit
$150 allowance/$170 allowance for featured frame $200 allowance/$220 allowance for featured frame brands,
Frames brands, 20% savings over allowance; $80 20% savings over allowance; $110 Walmart/Costco frame
Walmart/Costco frame allowance allowance
Single Vision, Lined Bifocal, and lined trifocal – Single Vision, Lined Bifocal, and lined trifocal – included in
Lenses
included in prescription Glasses prescription Glasses
Lens Enhancements
$0 $0
Standard Progressive Lenses
$95-$105 $30
Premium Progressive Lenses
$150-$175 $30
Custom Progressive Lenses
Contact Lenses
$150 allowance $200 allowance
(in lieu of glasses)
Services related to diabetic eye disease, glaucoma
Services related to diabetic eye disease, glaucoma and age-
Diabetic Eye Care and age-related macular degeneration and Retinal
related macular degeneration and Retinal screening; $20 copay
screening; $20 copay 13
Dependent Ages Covered to age 26Vision Rates
Base Plan Buy-Up Plan
Employee $5.72 $12.14
Employee + Spouse $11.44 $24.28
Employee + Children $12.24 $25.99
Family $19.58 $41.52
14Section 125 Plan
Two types of plans available
Health Care Flexible Spending Account for health care expenses. Maximum per year
$2,750.
Dependent Care Flexible Spending Account for Day Care expenses. Maximum per
year $5,000.
Purpose is to pay for out of pocket expenses with pre-tax dollars through flexible
spending accounts.
15Life and AD&D
New provider, Reliance Standard for the 2020 plan year.
Hickman Mills School District provides you with $25,000 of term life insurance
and AD&D at NO cost to you.
Voluntary Life Insurance allows you to purchase an additional amount of
coverage as well as get life insurance for your dependents.
Current employees electing coverage or an increase in coverage for
themselves, spouse and/or child(ren) may enroll under the Guaranteed Issue
Enrollment (no health questions) for this OE only. Monthly Premium
$100,000 of Coverage Employee Only
Employee GI: Up to $130,000 24 $3.70
29 $4.40
Spouse GI: Up to $25,000 34 $5.90
39 $9.00
Child GI: $10,000 44 $13.10
49 $20.90
54 $32.70
59 $54.94
64 $73.90
69 $125.00
70+ $222.20
16
Child per $1,000 $0.43Accident Insurance
New Accident plan carrier which provides better benefits as a lower premium.
Pays a benefit to you directly if you are injured and need treatment whether
at home or work. RSLI
Base Coverage
A decrease in rates from the current accident plan. Initial Hospital Confinement $1,000
Daily Hospital Confinement $200
ICU Admission $1,500
Monthly Premium Current Rates NEW Rates
Intensive Care $400
Employee Coverage $16.29 $15.56
Dislocation/Fracture Rider
Employee + Spouse $26.34 $22.72
$30.42 $28.62
Dislocation/Fracture Rider Up to $6,000/Up to $7,500
Employee + Child
Family $40.47 $36.59 Accident Treatment & Urgent Care
Rider
Accidents Physicians Treatment $75
Accident Follow-Up Treatment $75
Emergency Room Treatment $150
Urgent Care $75
AD&D & Functional Loss Rider
Accidental Death $50,000
Paralysis Up to $15,000
$7500 for one/$15,000 for
Dismemberment two
Additional Features 17
Portability YesCritical Illness Insurance
Pays you a benefit if you are diagnosed with a covered condition such as a
heart attack, stroke or cancer. RSLI
Initial Critical Illness Benfeits
$50 wellness benefit for completing a health screening. Heart Attack
Stroke
100%
100%
Coronary Artery Disease/Bypass Surgery 25%
Coverage is portable. Major Organ Failure/Organ Transplant 100%
End Stage Renal Failure 100%
Ability to elect an employee only option (w/o children). Cancer Critical Illness Benefits (Optional)
Invasive Cancer 100%
Carcinoma in Situ 25%
A decrease in rates from the current CI plan. Supplemental Critical Illness Benefits
Benign Brain Tumor 100%
Monthly Premium Current Rates NEW Rates Coma 100%
Loss of Sight 100%
$15,000 Benefit - Issue Loss of Hearing 100%
Age/Non-Tobacco Employee+Children Employee+Children ALS 100%
24 $9.65 $7.58 Paralysis 100%
29 $10.55 $7.58 Additional Benefits
34 $13.55 $12.15 Reoccurence of Benefit 100%
Waiting period for Reoccurance 6 months
39 $18.20 $12.15 Waiting period between Claims for differing
44 $25.55 $23.25 illness 90 days
49 $34.70 $23.25 Wellness Benefit (per year) $50
54 $45.50 $42.00 Maximum Benefit? 1000%
59 $59.75 $42.00 Additional Features
Pre-Existing Condition Limitation Applies None
64 $76.25 $78.45 Age reduction Feature 50% at 70
69 $85.55 $78.45 Portability Yes 18
70+ $152.75 $158.10 GI max amount $30,000
Dependent child coverage 25%Educator Disability Insurance
Educator disability insurance pays you a percentage of your salary if you are
unable to work for an extended period of time due to a covered injury or
illness.
Benefit amounts in increments of $100, from a minimum of $200 up to a max
or $7,500 per month. Not to exceed 60% of your covered earnings.
2 elimination period options:
1. 14 days injury/14 days sickness
2. 30 days injury/30 days sickness
A 10% decrease in premium from current plan.
19Hospital Indemnity Insurance
New insurance provider with a savings in benefits and Current Rates New Rates
one rate regardless of age. Monthly Premium
Employee Only Coverage
A decrease in rates from current Less than 50 years old $24.52 $23.29
50-59 $33.73 $23.29
NO Pre-Existing Condition Limitations/NO Health 60-64 $47.91 $23.29
65+ $68.51 $23.29
Questions. Employee + Spouse
Coverage
$100 per day benefit for each day you or your family Less than 50 years old $43.90 $42.80
member is hospitalized. 50-59
60-64
$67.32
$100.03
$42.80
$42.80
$200 per day benefit for each day you or your family Employee + Child(ren)
65+ $142.30 $42.80
member is in ICU. Coverage
Less than 50 years old $34.95 $33.20
$1,500 hospital admission benefit. 50-59 $44.16 $33.20
60-64 $58.34 $33.20
Coverage is portable. 65+ $78.94 $33.20
Family Coverage
Less than 50 years old $54.33 $52.97
50-59 $77.75 $52.97
60-64 $110.46 $52.97
65+ $152.73 $52.97
This is intended for Illustration purposes only. All claims will be paid per the contract
20Cancer/ICU Benefit
Pays a benefit directly to you for the following:
$1000/day ICU Benefit
$2500 First Occurrence Lump Sum Cancer Benefit
$200 Basic Annual Cancer Screening Benefit
Up to $1000 for monthly cancer treatment
Monthly Rates
Employee $20.30
Employee + Spouse $32.48
Employee + Children $22.31
Family $34.49
21Employee Assistance Program
Benefit available to employees at no charge. Cost covered by the district.
Various Services Available
Counseling Services
Consultations on Financial, legal needs, etc.
Confidential Assistance by
Crisis Support
calling 800-624-5544 or
Coaching https://eap.ndbh.com
Adult and Child Care Resources
Personal and Professional Training
Digital Behavioral Health Tools
22Important Things To Remember
Open Enrollment is from April 27th through May 15th.
Schedule your one-on-one benefit enrollment meeting TODAY, based on your work
location.
All enrollments will be conducted via a telephone call with a benefit counselor.
All elections made during the open enrollment period go into effect on July 1, 2020
and remain in effect until June 30, 2021.
Don’t forget to update your beneficiaries during your meeting with a benefit
counselor.
Contacts:
BeneBloc, 866-692-2228 for help with claims or questions about your benefits
throughout the plan year.
Cheryl Bennett, your Benefit Specialist, at 816-316-8216 or by email at
cherylb@hickmanmills.org
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