Payroll and Benefits

Orientation

2014/2015

What we will review today…

Review of District Offered BenefitsBasic & Additional Life Insurance Short and Long Term DisabilityVoluntary Short Term DisabilityFlexible SpendingIRS Section 125Voluntary Vision Plan

Medical and dental PlansUnited Healthcare HDHP 1750United Healthcare HDHP 3000United Healthcare Choice PPODelta/Cigna/Assurant Dental

www.myuhc.comCare 24 (1-866-271-7340)

Basic Life InsuranceAdditional Life Insurance

ING Life Insurance Company Basic Life Policy

District Paid benefit One time your annual salary ($20,000.00 Minimum)

Additional Life Insurance Employee Paid benefit Insurance can be purchased up to five (5) times your

annual salary in $10,000.00 increments. You may purchase up to $150,000.00 without completing medical questionnaire

Payroll deductions begin immediately. Any amount above $150,000 will go to the companies underwriters and if you are not approved the premiums will be refunded to you on the first check after we receive the notification from the company.

Cost is age based (Chart is available on the portal)

Deer Valley Unified School District

Disability Insurance

Short Term Disability-District Paid Benefit• There is a 90 day waiting period from the start of your

disability• Benefit begins paying on the 91st day after your disability• Benefit pays up to 66 2/3% of your salary or Maximum of

$2500• Benefit pays for 90 days (Maximum Benefit)

Long Term Disability-District/Employee Paid Benefit• Arizona State Retirement Benefit• There is a 180 day waiting period from the start of your

disability• Benefit begins paying on the 181st day after your disability• Benefit pays up to 66 2/3% of your salary• Benefit pays until you are able to return to work or you are

of retirement age

Voluntary Short Term Disability Insurance

Assurant Voluntary Disability1-800-877-2701 Ext. 250

• Employee Paid Benefit• Underwriter approval is required before deductions begin• Pre-existing condition clause one (1) year prior to enrolling on

the plan• Benefit begins paying on the fourteenth (14) day after your

disability• Benefit pays up to 66 2/3% of your salary or benefit amount

selected• Benefit pays for up to ninety (90) days• Deductions are taken from twenty (20) or (24) pay checks

depending on the pay option selected.• Workers’ Comp related injuries are excluded from this benefit

Flexible Spending Accounts

Medical Reimbursement Account Maximum of $2,500.00 per fiscal year (July 1 through June 30)

Dependent Care Reimbursement Account Maximum of $5,000.00 per fiscal year (July 1 through June 30)

Deductions are taken out of twenty (20) or (24) pay checks beginning with the paycheck of September 4th depending on the pay option selected.

You must use all monies designated by June 30 or they will be lostYou are responsible for submitting your claims for reimbursement directly

to the companyTwenty four (24) hour access to your account/seven (7) days a weekIf you resign or take a leave of absence from the district, all claims must

be submitted for reimbursement within ninety (90) daysYou must re-enroll for this plan each year during open enrollmentLog on to: www.basichr.nu or call 1-800-444-1922 Ext. 487 and follow the

promptsSubmit claims by mail:

BASIC 9246 Portage Industrial Dr.Portage, MI 49024

IRS Section 125

IRS Section 125 allows employees to pay all insurance deductions with pre-paid tax dollars. Employees are not permitted to make changes to their insurance during the year. Changes can only be made during the open enrollment period which happens one time each year, usually the month of May. The only exception is a life status change, which is marriage, divorce, birth, death or change in spouse employee work status.Employees have 31 days from the date of a life status change to make changes to their insurance. If you fail to make the changes within the 31 day time limit, you must wait until the open enrollment period to do so.

United Healthcare Vision

Voluntary Vision Package Eye Exams: $10.00 Co-Pay (Includes eye exam, 1 per year) Materials: $20.00 Co-Pay (Includes 4 boxes of contacts OR 1 frame, retail

value of $130.00 or less and single or bifocal lenses, 1 per year)

You must go to one of the following locations for services.

Cost to Employees 20 Deductions 24 Deductions

Employee Only: $4.41 $3.68Employee & Spouse $8.94 $7.45Employee & Children $9.36 $7.80Employee & Family $11.94 $9.95

Medical Benefits Overview

All plans are Open Access. No Primary Care Physician selection required

You do not need a referral to access Specialists

You search for providers by logging on to www.myuhc.com to do a search by plan. You must select Choice Plus PPO or Choice HSA

There are no Pre-existing condition clauses on any of the plans

The Ultimate Resource for Life’s Challenges1-866-271-7340

IRS Eligibility Requirements

Employeecannot beclaimed as

a dependent on

anyone’s taxes

Employee cannot be Medicare eligibleEmployee may

not be covered as a dependent

on another health plan unless it is

another Health Savings Plan

http://www.irs.gov/publications/p969/ar02.html#en_US_2011_publink1000204045

For more information, log on to this website.

Health Savings AccountPreventative Care

Adult Child

Annual routine office visit and exam Six visits 0 – 12 months

Tetanus/Diphtheria Booster Three visits 12 – 24 months

Annual Influenza vaccination (flu shot) Annual visits age 24 months through age 18

Cholesterol screeningAnnual pap smear and pelvic exam, as appropriate by age

Annual mammogram Lead level testing

Annual pap smear and pelvic exam Immunizations

Labs, pathology, chest X-ray, and EKG (when performed as preventive care)

Labs, pathology, chest X-ray, and EKG (when performed as preventive care)

High Deductible Health Plan1750 and 3000

(Health Savings Account)100% District Paid

Employees should choose a doctor within the United Healthcare Network .1750 Plan Deductibles Maximum Out-of-Pocket*$1750 per person $3750 Includes deductible$3500 per family $7500 Includes deductibleThe district will double employee contributions up to a maximum of $600 for the HDHP 1750 Plan. Employees only coverage may contribute an additional amount into their HDHP account through payroll deduction, not to exceed $3300 per calendar year.Employee with dependent coverage may contribute an additional amount into their HDHP account through payroll deduction, not to exceed $6550 per calendar year.

3000 Plan Deductibles Maximum Out-of-Pocket* $3000 per person $4500 Includes deductible $6000 per family $9000 Includes deductibleThe district will double employee contributions up to a maximum of $1200 for the HDHP 1750 Plan. Employees only coverage may contribute an additional amount into their HDHP account through payroll deduction, not to exceed $3300 per calendar year.Employee with dependent coverage may contribute an additional amount into their HDHP account through payroll deduction, not to exceed $6550 per calendar year.

HDHP 1750/3000Out-of-Network Benefits(Health Savings Account)

Employees may go outside the United Healthcare Network to see Doctors on the HSA Plan. By doing so, you are subject to higher deductibles and higher percentages of eligible expenses.

1750 Plan Deductibles 3000 Plan Deductibles$3000 per person $5500 per person$6000 per family $11000 per family

All deductibles are on a calendar year.All services become 40% of eligible expenses.

Maximum Out-of-Pocket * 1750 Plan 3000 Plan$7,500.00 per person $9,000.00 per person$15,000.00 per family $18,000 per person

*Maximum Out-of-Pocket include deductible

HDHP 1750/3000Premiums

(Health Savings Account)District Annual Cost District Annual Cost $5391.72 $4917.00(plus total max annual contribution of $600.00) (plus total annual contribution of $1200.00)

1750 Employee Only: 3000 Employee Only:0.00 0.00

Dependent Cost: Dependent Cost: $303.28 Every Paycheck for 24 deductions $276.58 Every Paycheck for 24

deductions$363.93 Every Paycheck for 20 deductions $331.89 Every Paycheck for 20

deductions

*Dual Spouse Coverage: *Dual Spouse Coverage: $78.62 per pay for 24 deductions $71.70 per pay for 24 deductions

*Dual spouse: Both husband and wife must work for Deer Valley Unified and cover dependent children on the insurance plans.

HDHP 1750/3000 Rx Benefits After Deductible is Met

Benefit

Retail Network Pharmacy

For up to a 31 day supply

Retail Non-Network

PharmacyFor up to a 31

day supply

Home Delivery Network

PharmacyFor up to a 90

day supply

Tier 1 $10 $10 $25

Tier 2 $35 $30 $75

Tier 3 $60 $50 $125

*Your Co-payment is determined by the tier to which the Prescription Drug List Management Committee has assigned the Prescription Drug Product. All Prescription Drug Products on the Prescription Drug List are assigned to Tier 1, Tier 2, or Tier 3. Please access www.myuhc.com through the Internet, or call the Customer Service number on your ID card to determine tier status.PLEASE NOTE THAT THE RX BENEFITS ARE SUBJECT TO THE MEDICAL PLAN DEDUCTIBLE BEFORE THE RX COPAYS APPLY. NETWORK MEDICAL DEDUCTIBLE IS $1,750 INDIVIDUAL AND $3,500 FAMILY.

Choice Plus PPOIn-Network Benefits

Office Visit : $25.00 co-pay

Specialist Office Visit: $50.00 co-pay

Dr. Visit-Allergy Shots: $25.00

Lab & Radiology: No co-pay

MRI’s, CT Scans, Nuclear Medicine: $100.00 co-pay

Chiropractic: $25.00 co-pay (limited to 12 visits per calendar year)

Eye Exams: $25.00 co-pay (limited to one visit every other calendar year)

Durable Medical Equipment: 1000/3000 Deductible + 20% of eligible expenses (limited to $2,500.00 (per person, per calendar year)

Urgent Care: $75.00 co-pay

Convenience Care Clinics $25.00 co-pay

Emergency Room: $250.00 co-pay

Hospitalization: Inpatient: Deductible + 20% of eligible expenses Outpatient: Deductible + 20% of eligible expenses

Prescription: $10/$35/$60Mail Order available (90 day supply) $25/87.50/$130

Choice Plus PPODeductibles and

Maximum Out-of-Pocket

In-Network Deductibles In-Network Out-of-Pocket Maximum$1000 Per Person $4000 Employee Only + Deductible$3000 Per Family $8000 Per Family + Deductible

Out of Network Deductibles Out of Network Maximum Out-of-Pocket$1250 Per Person $7250 Per Person + Deductible$3750 Per Family $14500 Per Family + Deductible

Most services are paid by United Healthcare at 65% of eligible expenses including office visits and Employee pays

Out-of –Pocket maximum does not include co-pays for office visits, Emergency Room visits, Rehab, or Pharmacy Services.

Choice Plus PPOPremiums

District Annual Cost: $6085.40

Employee Only: $58.08 Employee Only for 24 deductions $69.70 Employee only

for 20 deductions

Employee & Dependent Cost: $400.38 Every Paycheck for 24 deductions$480.46 Every Paycheck for 20 deductions

Dependents $342.30 Every Paycheck for 24 deductions

$342.30 Every Paycheck for 24 deductions

*Dual Spouse Coverage: $146.82 Every Paycheck for 24 deductions

$176.19 Every Paycheck for 20 deductions

*Dual spouse: Both husband and wife must work for Deer Valley Unified, be insurance eligible and cover dependent children on the insurance plans. If you meet this criteria, all dependents should be added as dependents under one employee with all deductions coming out of that employees check.

Premium Deductions are Pre-taxed

Myuhc.com

www.myuhc.com

View General Information Provider Search View Claims, Explanation of

Benefits (EOB’s), Etc.

Dental PlansDelta Dental PPO PlanPreventative: 100%Deductible: $50.00Basic Services: 80%Major Services: 80%Orthodontics: 50%Maximum Benefit: $1500.00

Delta Dental Premier PlanPreventative: 100%Deductible: $50.00Basic Services: 60%Major Services: 40%District Paid: $442.20Employee Cost: $0.00Dependent Cost: $31.55/24

$37.86/20Dual Spouse: $14.00

Cigna DentalRoutine Services: $0.00Deductible: $0.00Basic Services: Co-PayMajor Services: Co-PayMaximum Benefit: UnlimitedOrthodontics: Varies

District Paid: $329.54

Employee Cost: $0.00Dependent Cost: $23.59/24

$28.30/20Dual Spouse: $9.86

Assurant DentalRoutine Services: $10.00 Co-PayDeductible: $0.00Basic Services: Co-PayMajor Services: Co-PayMaximum Benefit: UnlimitedOrthodontics: Varies

District Paid: $149.64 EE OnlyDistrict Paid: $170.64 Dep.Employee Cost: $0.00Dependent Cost: $0.00

Dual Spouse: $0.00

Dual Spouse: Both husband and wife must work for Deer Valley Unified, be insurance eligible and cover dependent children on the insurance plans. If you meet this criteria, all dependents should be added as dependents under one employee with all deductions coming out of that employees check.