Open Enrollment 2013-2014

1. Open Enrollment 2013-2014 For Full Time Employees and Families of J.O. Combs Unified School District

2. Which plans are affected by Open Enrollment? • Medical Plan • Dental Plan • Vision Plan • Short Term Disability • Voluntary Benefits

3. Medical Benefits • Medical/pharmacy benefits will be offered by Blue Cross Blue Shield of Arizona • New ID cards will be mailed to all members for a October 1 effective date or 60 days following the first of the month when you are hired • The provider network – BSBSAZ Preferred PPO network • Will be referred to as the High Plan • Will be referred to as the Low Plan

4. District will pay 100% premium for Low Plan for all eligible employees. • There is the option to by up to the High Plan coverage which includes out-of-network benefits. There is a 3.5% increase to this plan. • The Plan/PPO Network does not require the selection of a Primary Care Physician (PCP) nor are referrals required to receive medical services.

5. Accident Coverage 5 • Coverage is available for you, your spouse, and child(ren) • Coverage lasts your life for any accidents that occurs outside of work • Portable • Helps with out of pocket expenses to your medical provider • Some benefits under this plan include: • Ambulance- you get $90.00 • Dislocate a finger $90.00 • Tear a tendon or ligament $465.00 • Torn Knee Cartilage $185.00 • Fracture a hand/ foot/ or wrists $465.00 • Up to $100 back each year just for visiting your doctor • New - Must schedule appointment with the call center

6. Critical Illness With Cancer Coverage • Coverage is available for you, your spouse, and child(ren) • Coverage lasts your life • Portable • Helps with major out of pocket expenses to your medical provider • Covered conditions upon diagnosis: • Heart attack, stroke, renal kidney failure, blindness, Lou Gehrig’s Disease, major organ transplant, paralysis of two or more limbs, and invasive cancer • Partial benefit for coronary bypass surgery and carcinoma in situ • $100 back each year just for visiting your doctor • New - Must schedule appointment with the call center

7. Delta Dental of ArizonaVoluntary Plan • Basic & Preventive services provided at no charge • No more wait periods for Basic, Major, and Ortho Services • Pays 70% of restorative & extractions • Pays 50% for Major services • Annual Deductible: $50/Person, $150/Family • Annual Maximum Benefit $1,000 per covered person • Orthodontic Benefit pays 50% with a $1,000 maximum (separate from Annual Maximum Benefit)

8. Delta Vision-Voluntary PlanFeatures of EyeMed Benefits • An Increase of 7.5% this year rates are in your packet • Exams - $10 Co-pay In-Network • Materials (Frames and Lenses) - $10 Co-pay In-Network • Standard Spectacle Lenses - $75 Co-pay – Premium lenses - 80% of charge less $120 allowance, plus $75 Co-pay • Frames – Up to $120 allowance plus 20% discount • Contacts – once every 12 months; $80 allowance • Exam & Lenses or Contacts – once every 12 months • Please read enclosed benefit document for more details

9. Union Security – Short Term Disability • Type of Coverage Non-Occupational, Employee paid, includes maternity benefit • Max Benefit Percent Up to 66 2/3% of base pay up to $5,000/mo. • Elimination Period Accident/Sickness 14/14 Day • Benefit Period 6 Months • Cost for this year has increased 5% see new rates in your packet

10. Section 125 – Pre-tax Deductions • Your Medical and Dental premiums are taken on a pre-tax basis • Lowers your taxable income • May lower your taxes Elections cannot be changed during the plan year, unless you experience a “qualified change”.

11. Flexible Benefit Plan • Medical & Dependent Care Reimbursement • Set money aside for qualified expenses pre-tax • Elections are made for the entire year and cannot be changed, except with a “qualifying event” • Benefits must be used during the plan year • May lower your taxes

12. Arizona State Retirement System • The employee contributes 11.54% of income to the plan. • District matches employee contribution. • You must contribute 5 yrs. to become vested. • Plan includes Long Term Disability benefits after 6 months of disability.

13. 403(B)/457 Retirement/Savings • Five vendors to choose from • ING • Security Benefits • Hartford • MetLife • Valic • Tax deferred annuity • Employee contributions only

14. Legal Coverage • Coverage is available for you, your spouse, child(ren), your parents, and your spouse’s parents • Portable • 3 types of service categories: • Free - initial consultations with a plan attorney, document reviews, simple wills, and more • Flat rate - name change, traffic ticket, will with a minor trust, plus much more • Discounted - anything that is not free or at a flat rate is discounted 25% • New - Must schedule appointment with the call center

15. Basic Life and AD&D Insurance • 100% paid by the School District • 1 ½ times salary to $50,000 • AD & D doubles death benefit

16. Universal Life Insurance • Coverage is available for you, your spouse, and child(ren) • Policy lasts to age 100 • Cash value account- guaranteed at 4% • Portable • Long term care is built into your policy • Can use long term care for nursing home, home health care, and adult day care • Will provide a long term care benefit to you for 50 months and it will not deduct from your life insurance amount that you have assigned to your beneficiary • New - Must schedule appointment with the call center

17. Employee Model WAIVE ABC Elementary Teacher √ √ √ √ PLS CANCEL √ 5/17/2013 Model Employee Benefit Election Form

18. Next Step • Determine which Health Insurance Plans fits your needs. • Low Plan at no cost to the employee • High Plan at a cost to the employee (please review insurance rate in your packet).

19. Next Step Do you want to participate in any of the following voluntary benefits products? • Accident Coverage • Critical Illness with Cancer Coverage • Legal Coverage • Universal Life Insurance You must schedule an appointment with a benefits counselor at the call center for the above products Representatives are available Monday – Friday 7:00 am to 4:00 pm PDT 1-800-229-3642

20. Final Step • Review your personal options • TURN IN BENEFIT ELECTION FORM • Questions contact Human Resources at 480-987-5305 • Contact the Call Center for additional voluntary benefits Please Remember, every employee is ACCOUNTABLE to complete their paperwork; otherwise, you run the risk of not securing insurance for the new school year (2013-2014). All paperwork must be turned in by Wednesday July 31st - NO EXCEPTIONS!!