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Teri Patterson, CPP
Teri Patterson, CPP

This document summarizes medical, dental, and other benefit plan options for employees. It describes several medical plans with different deductibles and costs including VEBA plans with health reimbursement arrangements. Dental coverage includes a $1500 annual limit and orthodontics for ages 8-19. Also summarized are flex spending accounts, short-term disability, life insurance, AD&D, deferred compensation, vision, legal assistance, identity theft protection, and other benefits like TRA and PERA. Contact information is provided for any additional questions.

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Presented By: Teri Patterson
Medical Plan Options VEBA $1200 VEBA $1850 MinimumValue Plan withVEBA Double Gold – this plan has been closed to new enrollment *All of our plans allow employees to self-refer for services. However, some services may require prior authorization for coverage.*
VEBA $1200 • High Deductible Plan with Health Reimbursement Arrangement • VEBA (or HRA) is fully funded by district • Embedded Deductible • Automatic Crossover • Be aware of deposit schedule • BestValue for high consumers of benefits • Estimated annual out of pocket costs: $0.00
VEBA $1850 • Higher Deductible Plan with Health Reimbursement Arrangement • VEBA (or HRA) is funded from the district at the same levels as the $1200 plan • Embedded Deductible • Automatic Crossover • Be aware of deposit schedule • BestValue for lower consumers of benefits • Estimated annual out of pocket costs: $650 single/$1300 family
MinimumValue Plan • Highest deductible plan withVEBA • Embedded Deductible • Automatic Crossover • Be aware of deposit schedule • Best value for minimal consumers of benefits • Estimated annual out of pocket costs: $3644 single/$6946 family
Employee Plan Cost Comparison 2016/2017 Rates Total Monthly Cost Employee Per Check Amount Employee Monthly Contribution Employee Annual Premium Cost Active Employees - .75 FTE or greater Single DoubleGold 774.50 60.75 121.50 1458.00 Family Double Gold 2067.50 224.75 449.50 5394.00 SingleVEBA $1200 721.50 34.25 68.50 822.00 FamilyVEBA $2400 1861.00 121.50 243.00 2916.00 SingleVEBA $1850 681.50 14.25 28.50 342.00 FamilyVEBA $3700 1752.00 67.00 134.00 1608.00 Single MinimumValue Plan w/VEBA 653.00 0.00 0.00 0.00 Family MinimumValue Plan w/VEBA 1618.00 0.00 0.00 0.00
Dental Coverage • No change in premiums this year • Plan changes: • Annual plan limit increased to $1500 per person • No lifetime limit on periodontal services • Preventative & diagnostic services are covered 100% • Oral exams are covered twice in a coverage year • Plan year July - June • Includes $1000 per person lifetime maximum Orthodontic coverage ages 8-19 • PPO & Premier Networks • PPO dentists recommended
Flex Spending Accounts • Dependent Care • Tax savings • Up to $5000 combined annual benefit • Reimbursement after account is funded • Medical Flex Spending • Tax savings • Up to $2550 annual benefit • Reimbursement before account fully funded • $500 carryover to next plan year allowed • Must be used by end of second plan year • Works in conjunction withVEBA
ShortTerm Disability • Employee voluntary post-tax benefit • Premium based on salary and age • Maternity coverage • Coordinates with LTD • 10% minimum participation required • If not achieved during this plan year, will be discontinued in 2017
Life Insurance Options • District paid base policy • Amount determined by contracts • Highly recommended for you to designate beneficiary • Employee paid voluntary coverage • Employee to $300,000 • Spouse to max of $50,000 – half of employee policy • Dependent • Child
A D & D • Inexpensive additional coverage • For employee and family • Pays in addition to other coverage you may have
Deferred Comp • All employees eligible to participate • District match based on contract • Can change election amount and vendor at any time • Not part of the open enrollment process • 3 approved vendors for 403(b) and Roth 403 (b) • District match not taxable until drawn • Minnesota Deferred Comp 457 • District match taxable to FICA at time of contribution
Vision Two Plans Offered thru Ameritas • Low Plan:Vision Perfect • Open Access, Reimbursement Plan • EyeMed Discounts • High Plan: Focus • VSP Network, Insurance Plan
Group Legal Assistance for non-criminal matters offered thru LegalShield • $18.95 per month • Post tax Estate Auto Family Home Financial
IdentityTheft Relief Three options: • Recovery assistance via AMT Consumer Services • Monitoring and recovery support via BCBS and Experian • Protection and Restoration via IDShield Per Check Deduction Monthly Cost Individual $ 4.48 8.95 Family – Self, Spouse and up to 8 dependents to Age 18 $ 9.48 18.95
Other Benefits • TRA • PERA • Employee Assistance Program • HearPO Discounts • Fitness Discounts • Alternative Care Discounts • LASIK Discounts • Various Discounts for Government Employees
Questions?

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Be Informed! Presentation

  • 1. Presented By: Teri Patterson
  • 2. Medical Plan Options VEBA $1200 VEBA $1850 MinimumValue Plan withVEBA Double Gold – this plan has been closed to new enrollment *All of our plans allow employees to self-refer for services. However, some services may require prior authorization for coverage.*
  • 3. VEBA $1200 • High Deductible Plan with Health Reimbursement Arrangement • VEBA (or HRA) is fully funded by district • Embedded Deductible • Automatic Crossover • Be aware of deposit schedule • BestValue for high consumers of benefits • Estimated annual out of pocket costs: $0.00
  • 4. VEBA $1850 • Higher Deductible Plan with Health Reimbursement Arrangement • VEBA (or HRA) is funded from the district at the same levels as the $1200 plan • Embedded Deductible • Automatic Crossover • Be aware of deposit schedule • BestValue for lower consumers of benefits • Estimated annual out of pocket costs: $650 single/$1300 family
  • 5. MinimumValue Plan • Highest deductible plan withVEBA • Embedded Deductible • Automatic Crossover • Be aware of deposit schedule • Best value for minimal consumers of benefits • Estimated annual out of pocket costs: $3644 single/$6946 family
  • 6. Employee Plan Cost Comparison 2016/2017 Rates Total Monthly Cost Employee Per Check Amount Employee Monthly Contribution Employee Annual Premium Cost Active Employees - .75 FTE or greater Single DoubleGold 774.50 60.75 121.50 1458.00 Family Double Gold 2067.50 224.75 449.50 5394.00 SingleVEBA $1200 721.50 34.25 68.50 822.00 FamilyVEBA $2400 1861.00 121.50 243.00 2916.00 SingleVEBA $1850 681.50 14.25 28.50 342.00 FamilyVEBA $3700 1752.00 67.00 134.00 1608.00 Single MinimumValue Plan w/VEBA 653.00 0.00 0.00 0.00 Family MinimumValue Plan w/VEBA 1618.00 0.00 0.00 0.00
  • 7. Dental Coverage • No change in premiums this year • Plan changes: • Annual plan limit increased to $1500 per person • No lifetime limit on periodontal services • Preventative & diagnostic services are covered 100% • Oral exams are covered twice in a coverage year • Plan year July - June • Includes $1000 per person lifetime maximum Orthodontic coverage ages 8-19 • PPO & Premier Networks • PPO dentists recommended
  • 8. Flex Spending Accounts • Dependent Care • Tax savings • Up to $5000 combined annual benefit • Reimbursement after account is funded • Medical Flex Spending • Tax savings • Up to $2550 annual benefit • Reimbursement before account fully funded • $500 carryover to next plan year allowed • Must be used by end of second plan year • Works in conjunction withVEBA
  • 9. ShortTerm Disability • Employee voluntary post-tax benefit • Premium based on salary and age • Maternity coverage • Coordinates with LTD • 10% minimum participation required • If not achieved during this plan year, will be discontinued in 2017
  • 10. Life Insurance Options • District paid base policy • Amount determined by contracts • Highly recommended for you to designate beneficiary • Employee paid voluntary coverage • Employee to $300,000 • Spouse to max of $50,000 – half of employee policy • Dependent • Child
  • 11. A D & D • Inexpensive additional coverage • For employee and family • Pays in addition to other coverage you may have
  • 12. Deferred Comp • All employees eligible to participate • District match based on contract • Can change election amount and vendor at any time • Not part of the open enrollment process • 3 approved vendors for 403(b) and Roth 403 (b) • District match not taxable until drawn • Minnesota Deferred Comp 457 • District match taxable to FICA at time of contribution
  • 13. Vision Two Plans Offered thru Ameritas • Low Plan:Vision Perfect • Open Access, Reimbursement Plan • EyeMed Discounts • High Plan: Focus • VSP Network, Insurance Plan
  • 14. Group Legal Assistance for non-criminal matters offered thru LegalShield • $18.95 per month • Post tax Estate Auto Family Home Financial
  • 15. IdentityTheft Relief Three options: • Recovery assistance via AMT Consumer Services • Monitoring and recovery support via BCBS and Experian • Protection and Restoration via IDShield Per Check Deduction Monthly Cost Individual $ 4.48 8.95 Family – Self, Spouse and up to 8 dependents to Age 18 $ 9.48 18.95
  • 16. Other Benefits • TRA • PERA • Employee Assistance Program • HearPO Discounts • Fitness Discounts • Alternative Care Discounts • LASIK Discounts • Various Discounts for Government Employees
  • 17. Questions?
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