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2014 Frenship ISD

2014 Frenship ISD. Group Health Insurance Plan. CAMPUS REPRESENTATIVES : FHS Tate Casey Reese Lynn Mills FMS Katrina Smith Terra Vista David Speer HMS Emily Wagner Bennett Sanae Allison Crestview Cindy York/Kathy Dawson Oak Ridge Shane Langen

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2014 Frenship ISD

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  1. 2014 Frenship ISD Group Health Insurance Plan

  2. CAMPUS REPRESENTATIVES: FHS Tate Casey Reese Lynn Mills FMS Katrina Smith Terra Vista David Speer HMS Emily Wagner Bennett Sanae Allison Crestview Cindy York/Kathy Dawson Oak Ridge Shane Langen North Ridge Betsy Bucy Westwind Bobbie Jo Williams Willow Bend Stacey Price Custodians Balt Padilla Maintenance Alex Diaz, Derek Cobb, Allen Tanner Central Office Rhonda Dillard, Pat Valdez, Greg Cartwright, Dr. Vroonland, Michelle McCord, Tim Williams, Courtney Reeves 2013-2014 FISD Health Insurance Committee

  3. January 1, 2014 through December 31, 2014 Remember, Our Plan year…

  4.  HMO (free plan for employees)  PPO 1 PPO 2  High Deductable/HSA (Health Savings Acct.) Plan Options:(In Network Includes UMC & Covenant )

  5. CoverageHMOPPO1PPO2HSA Employee Only $ 0 $313 $ 42 $ 21 Emp. & Spouse $399 $1112 $504 $417 Emp. & Child $234 $655 $313 $191 Emp. & Family $456 $1170 $570 $446 **Increases in premiums reflects a portion of the 4.3% tax as required by the Affordable Care Act** Note: All premiums INCLUDE $266/month that is paid by FISD and reflect YOUR monthly cost: Premiums ComparisonAll Plans Side by Side

  6. Deductible - $4000 per member • Co-Insurance – 100% (plan pays after deductible) • $40 Dr. Visit Co-pay ($80 specialist) • RX - $10/generic - 50%/preferred after $250 deductible • Tier 4 drugs 50%($4000 addl. out of pocket maximum) • Out-of-Pocket Maximum = $4000 individual/ $8000 family • Hospital/Emergency/Maternity – 100%after $4000 Deductible is met HMO Plan (free plan for employees)

  7. Deductible $1500 per member ( $3000/family) - In Network • Co-Insurance – 80% in network/ 60% out of network (plan pays after deductible) • $30 Dr. visit Co-pay ( $60 / specialist) • RX - $10-$35-$60 after $100 deductible • Tier 4 drugs @ 20% ($4000 addl. out of pocket) • Out-of-Pocket Maximum = $4000 per member ($8000/family) – In Network • Hospital/Maternity – 80%/60%(Emergency room/ 80% after deductible) • Maternity –Pediatrician, delivery, and nursery are covered at 80% after the $1500 deductible PPO 1 Plan

  8. Deductible $2500 per member ( $5000 /family) – In Network • Co-Insurance – 70% in network / 50% out of network (plan pays after deductible) • $35 Dr. visit Copay ( $70 /specialist) • RX - $10 generic / 30% preferred after $250 deductible • Tier 4 drugs / 30% ($4000 max. out of pocket) • Out-of-Pocket Maximum - $4,000 per member ( $8000 / family) - In Network • Hospital/Maternity – 70%/50% (Emergency room/ 70% after deductible) • Maternity – Pediatrician, delivery, and nursery charges are covered at 70% after the $2500 deductible. PPO 2 Plan

  9. In Network / Out of Network In-network - Any provider that accepts First Care. Outside Lubbock area – PHCS / Multiplan When seeking services with these networks, you will need preauthorization. This information is on the back of your insurance card. In Network / Out of Network

  10. Deductible - $2,500 per member ($5000/family) • No Copay…Discounted Dr. office visits and 80% after deductible is met • RX – 80% after deductible is met • Out-of-Pocket Maximum - $5,200 per member ($10,400/family) • Maternity - $5000 max. out of pocket for mom (Routine Facility charges covered under mom/ Professional service provider applies to baby’s deductible) • All coverage starts after member has met deductible or max. out of pocket. Money placed in HSA account is above and beyond premium. • HSA account must be set up prior to incurring claims in order to have tax advantage. HSA PlanHealth Savings Account

  11. Individual and/or family deductible must be met before you are eligible for any insurance benefits. • You have the option to open a Health Savings account. This money must be used on medical expenses and is your money as long as the account is open. • HSA account must be opened prior to accessing any funds. Maximum - $3300.00/Individual $6550.00/Family HSA

  12. Health Insurance Market Place / Affordable Care Act healthcare.gov / 1-800-318-2596 • Individual policy with independent company • CHIPS – 1-877-KID-SNOW • CHIPSMEDICAID.org Options to cover Family or Children…

  13. Public Marketplace • Guaranteed issue / No Pre-existing limitations • Sold through healthcare.gov, Ashmore & Associates, Aycock and Fowler, independent agents and other entities • Policies and rates are identical on both public and private marketplaces. • Only licensed agents can assist consumers with actual purchase decisions. • Navigators are licensed to assist with the completion of the application. Affordable Care Act (ACA)

  14. Subsidiesand Tax credits are available through the public marketplace – ONLY if your employer does NOT offer you a compliant plan as an option. • FISD plans comply with all the minimum benefit and affordability standards.

  15. If at all possible, go to a provider that takes First Care so that claims are paid in network. • Prescriptions – Always ask for generic, check at least three pharmacies for best price, check United to see if the meds are FREE, Google prescription for coupons and discounts, and ask Doctor for samples. • Lab work and x-rays done in conjunction with the office visit are included in your office visit copay. • Other class of diagnostic tests are subject to your deductible. (Ex. MRI) Ways to manage your insurance…

  16. Telehealth & Wellness solution plan - $9.00 per month covers the entire family • Compliments the medical plans and saves on medical claims • 3 easy steps to speak to a physician anytime anywhere online or by phone • Prescriptions are called in to the pharmacy of your choice – (Must accept First Care) • Online tool provided to shop for the best price on prescriptions in your area • You must complete medical history on line • Covers most common conditions including but not limited to: allergies, bronchitis, earache, sore throat, sinusitis, pink eye, strep throat, upper respiratory infection, urinary tract infection…. Healthiest You

  17. All Insurance plans cover Preventative Care at 100%!! This could include: annual routine physicals, routine immunizations, well baby and well child care, routine eye/speech/hearing screenings for children when performed in the office, examination and testing for the detection of prostate cancer… First Care list of Preventative Care is posted on the HR website Preventative Care

  18. FISD provides $20,000 of Life Insurance on all employees • The group life coverage was offered on a guarantee issue basis to all employees during the first year. • If you want to increase your group live coverage, you now have to apply for the additional coverage. • You will have the opportunity to talk to an FBS representative during enrollment about supplemental benefits. Additional Contributions

  19. FISD Cafeteria Plan (Section 125)“Why should I participate?” The only entity to benefit from your participation is YOU. The district does not profit from #125 No insurance agent or company benefits Individual enrollments @ your campus Section 125 is the tax code which allows participating employees to place certain financial expenses into an account PRIOR to taxes being withheld.

  20. Child Care Reimbursement Plan • Medical Reimbursement Plan • Cancer/Intensive Care Insurance • Vision • Accident Insurance • Dental Reimbursement Plan – Must file paper copy • Medical Insurance FISD Cafeteria Plan OPTIONS

  21. Money can be taken from your check before taxes each month and placed in a medical reimbursement account. • You will use an NBS Flex Visa credit card preloaded with the amount of money that you will put in for the year. (Ex. $50 x 12 = $600) This money can only be used for medical expenses. Additional cards are $5.00 each. • The NBS Flex card cannot be used for dental expenses. You must submit a claim form with receipt for reimbursement. • Maximum - $2500 per year (you must use it or lose it at the end of each year) • FISD – 2 ½ month grace period to spend funds in flexible account. • 90 day run out period – can file claims up to 90 days after plan year ends. Medical Reimbursement Account NBS Flex card

  22. You can learn more about the advantages of the PPO1, PPO2, HMO and High Deductible/HSA by: • Contacting The Ashmore Agency or Aycock & Fowler Insurance Agency for a consultation. • Visiting with an Insurance representative on the day of enrollment from 8:30 – 10:00 to discuss your insurance options. “UNDERSTANDING” Your Insurance plan

  23. NOTE: If you are going to meet your deductible for any reasonplease call: Ashmore and Associates - 806-745-8358 Aycock & Fowler - 806-798-2700 You will get one-on-one assistance to help you know what is ahead of you (i.e. – know what your plan is paying and what you should pay. Consultations Available

  24. Beth Ashmore 745-8358 Ashmore & Associates Brent Aycock 798-2700 Aycock& FowlerInsurance Agency Frenship ISD Brokers

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