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TRS- ActiveCare Administered by BCBS. PPO Plan Overview ActiveCare 1-HD, 2, and 3 Plan 2013-2014 Plan Year. What’s New (PPO Plans Changes Effective September 1, 2013).
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TRS-ActiveCare Administered by BCBS PPO Plan Overview ActiveCare 1-HD, 2, and 3 Plan 2013-2014 Plan Year
What’s New(PPO Plans Changes Effective September 1, 2013) • ActiveCare 1 to be discontinued 9/1/2013 (TRS reviewed plan options to insure the plans meet the health care needs of public school employees and their families. Based on this review TRS will eliminate the TRS-ActiveCare1 option for the new plan year.) • The deductibles and out of pocket maximums will increase for ActiveCare 1-HD and ActiveCare 2 • Premiums will increase
ActiveCare 1 Discontinued 9/1/2013 • ActiveCare 1 plan participants will be automatically transitioned to ActiveCare 1-HD effective 9/1/2013 • ActiveCare1 plan participants must enroll to select another ActiveCare plan option or to cancel ActiveCare coverage for (2013-2014)
NEW Premium, Deductible and Out of Pocket Maximum • ActiveCare 1-HD • E/O $325.00 Increase $27.00 • E/S $794.00 Increase $63.00 • E/C $572.00 Increase $106.00 • E/F $1,060.00 Increase $103.00 Monthly premium does not include District contribution • Deductible: $2,400 Individual $4,800 Family • Out-of Pocket Maximum: $3,850 Individual $4,200 Family • Coinsurance: Plan pays 80%; Employee pays 20% • Office Visit Copay: 20% after deductible
NEW Premium, Deductible and Out-of-Pocket Maximum • ActiveCare 2 • E/O $529.00 Increase $69.00 • E/S $1,203.00 Increase $157.00 • E/C $841.00 Increase $110.00 • E/F $1,323.00 Increase $173.00 Monthly premium does not include District contribution • Deductible $1,000 Individual $3,000 Family • Out-of Pocket Maximum $4,000 Individual $8,000 Family • Coinsurance: Plan pays 80%; Employee pays 20% • Office Visit Copay: $30 for primary $50 for specialist
NEW Premium ActiveCare 3 • E/O $796.00 Increase $159.00 • E/S $1,8010.00 Increase 363.00 • E/C $1,269.00 Increase $254.00 • E/F $1,990.00 Increase $398.00 Monthly premium does not include District contribution • Deductible $300 Individual; $900 Family • Out-of Pocket Maximum $1,000 Per Individual • Coinsurance: Plan pays 80%; Employee pays 20%
Your Prescription Drug Plan Prescription Drugs TRS-ActiveCare 1-HD, 2, 3 2013-2014
Your Prescription Drug Plan • Express Scripts has merged with Medco • Express Scripts administers your prescription drug plans on behalf of TRS 1-HD, 2, and 3 plans • Upcoming plan changes • ID Cards
Prescription Drug Benefits-Network Level • TRS-ActiveCare 1-HD • Drug Deductible- • Subject to plan year deductible • Retail Short Term- • Retail Maintenance- • Mail Order- • 20% coinsurance after deductible
Prescription Drug Benefits-Network Level • TRS-ActiveCare2 • Drug Deductible- • $0 generic • $200 brand • Retail Short Term- • $20 copay • $40 copay • $65 copay • Retail Maintenance- • $20 copay • $50 copay • $80 copay • Mail Order- • $45 copay • $105 copay • $180 copay
Prescription Drug Benefits-Network Level TRS-ActiveCare 3 Drug Deductible- $75 Retail Short Term- $15 copay $35 copay $60 copay Retail Maintenance- $20 copay $40 copay $75 copay Mail Order- $45 copay $105 copay $180 copay
New ID Cards for ActiveCare Plan 1, 1-HD, and 2 Participants • All current ActiveCare 1 participants will receive replacement cards for the new plan option in which they are enrolled. • ActiveCare 1-HD and ActiveCare 2, participants will be mailed replacement prescription ID cards reflecting the upcoming changes to the benefits design. • Participants should expect to receive new cards around mid- to late-August. • Participants making changes after the replacements have been mailed will result in a second set of cards being sent.
Voluntary Benefits Review- 2013-2014 • Annual Open Enrollment- April 22- May 24 • Dental and Vision carriers will not change • Every Employee should log in to InRoll to confirm benefit selections for 2013- 2014 • Update Beneficiary and Dependent information if needed
Dental • Lincoln Financial Group for 2013-2014 • 3 Options Still Available- High, Medium, Low • PPO Plan Design- You can use any Dentist • Premiums Remain the Same High OptionMiddle OptionLow Option E/O $37.18 $31.55 $17.74 E+1 $72.36 $61.39 $34.52 E/F $126.07 $106.97 $60.15
Long Term Disability • Standard Insurance 2013-2014 • Same Carrier as Last Year • 8 plan Options to Choose From- 4 Short term, 4 Long term • Insures Against a Loss of Income Due to Sickness or Accident • Insures up to 66 2/3% of Income
Supplemental Term Life • Standard Insurance 2013-2014 • Rockwall ISD Provides $15,000 Life Insurance Policy • Employees can Purchase Additional Coverage • Very Affordable Group rates • Coverage amounts up to $200,000 or 5 Times Annual Salary on Employee • Coverage for Employee, Spouse, Children • Easy Underwriting Process- simple to complete; evidence of insurability form is required for all enrollments.
Permanent Life Insurance • Fidelity Life 2013-2014 • $25,000 - $150,000 Benefit Amounts • Premiums Will Never Change • Portable • Simple Underwriting Process • Coverage for Employee, Spouse, Children
Accidental Death and Dismemberment- AD&D • Standard Insurance 2013-2014 • Same Carrier As Last Year • Coverage Amounts Up To $500,000 • Coverage for Employee, Spouse, Children • Guaranteed Issue. No Health Questions
Critical Illness • Lincoln Financial Group • Provides Lump Sum Benefit for Critical Illnesses Cancer, Heart Attack, Stroke, Quality of Life, etc. • Coverage Amounts Up To $20,000 • Very Affordable Group Rates • Coverage for Employee, Spouse, Children • Guaranteed Issue. No Health Questions
Vision • Block Vision for 2013-14 • Same Carrier as Last Year • Premiums Remain the Same • Very Large Provider Network, Including Walmart • Benefits for Exams, Lenses, Frames, Contacts E/O $7.88 E+1 $14.18 E/F $21.86
Legal Plan/ Identity Theft • Legal Plan of America • Provides Free and Discounted Legal Care • Tax Preparation and Advice • Financial Education & Credit Counseling Services • Identity Theft Solutions • Life Events Counseling One Low Rate- $14.00 Monthly
Campus Open Enrollment Schedule 2013-2014 • April 2013
Campus Open Enrollment Schedule 2013-2014 • May 2013
Questions? Employees who prefer to complete benefits enrollment on your own: www.rockwallisd.com Click on the Staff links Click on the Employee Benefits link Click on the Online Enrollment/Enrollment-Changes-Information link Click on Online Enrollment and Information link Your username is : first initial last name last four digits of your social security number (For example: droberts1234) Your password is reset to : rockwall If you have questions about benefits, please contact: Debbie Roberts-Benefits Specialist debbie.roberts@rockwallisd.org 469-698-7028