Page 1

Employee Benefits Guide 2018


Table of Contents Enrollment Information............................................................................ 3 Qualifying Life Event.................................................................................. 4 COBRA.................................................................................................................. 4 Frequently Asked Questions................................................................ 5 Medical Plan Information........................................................................6 2018 Medical Plans...................................................................................... 7 Telehealth.......................................................................................................... 8

Dental Plan......................................................................................................... 9 Vision Plan........................................................................................................10 401(k) Tax-Sheltered Account............................................................11 SingleCare Program................................................................................. 12 You’re Covered with ESI and AZPE............................................... 13 Employee Rate Worksheet................................................................. 14 Important Phone Numbers................................................................. 15

Introduction Whether you are a new employee enrolling into your benefits for the first time or considering your benefits during open enrollment, this guide is designed to help you through the process.

If you should have any questions:

ESI is proud to offer a benefits package that includes medical, dental and vision insurance coverage for you and your dependents.

2. Contact ESI at 844-614-7784.

Please take the time to read this information and ask questions so you can make the best benefits decisions for both you and your family.

2

1. Contact the carrier directly. Phone number and website information is on page 15.

This booklet highlights important features of ESI’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.


Enrollment Information OPEN ENROLLMENT

PRE-TAX VS POST-TAX DEDUCTIONS

Open Enrollment is from November 15 through December 15, 2018. This is your one time per year to make changes.

Pre-Tax Dollars: Your insurance premiums are paid with money removed from your gross wages prior to any tax calculations. This reduces your tax liability and is a more efficient way to pay for premiums. Remember, you must choose pre-tax deductions for all your benefits to participate in a flexible spending account. You may elect to opt-out of this method of paying.

All benefit eligible employees are required to elect coverage via ESI’s electronic enrollment form. Any coverage not actively selected will be considered a waiver of coverage.

NEW EMPLOYEES New Employees have 31 days from your hire date to complete enrollment in the group insurance program. If you have moved from a non-benefits eligible status to a benefits eligible status, you will have 31 days from the new benefits eligible status to complete your enrollment. All insurance coverage starts at the first of the month. Remember, if elections are not made within the 31-day initial period of eligibility, you will be required to wait until Annual Open Enrollment or until a Qualifying Life Event takes place. Late Enrollees may be required to satisfy a waiting period for the dental plan for certain services.

3


Qualifying Life Event The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (January 1, 2018 – December 31, 2018). During that time, if your life or family status changes according to the recognized events listed below, you are permitted to revise your benefits coverage to accommodate your new status. You may make benefits changes by contacting the Benefits Department and providing the proper documentation. IRS regulations govern under what circumstances you may make changes to your benefits, which benefits you can change and what kinds of changes are permitted.

QUALIFYING LIFE EVENTS LIST Marital Status Changes

Covered Dependent Changes

■■

Marriage

■■

Death of spouse

■■

Divorce

■■

Spouse gains or loses coverage from another source

■■

■■

■■

Spouse employer’s

■■

Open Enrollment

■■

Birth or adoption of a child Death of dependent child Dependent becomes ineligible for coverage

✓✓All changes must be consistent with the qualifying life event.

✓✓In most cases, you cannot change your benefit plan, but may modify the level of your coverage (in other words, you can add or delete dependents, enroll or dis-enroll yourself or dependents, but not switch insurance carriers or plans). Any changes in benefit levels must be completed within 31 days of the qualifying life event.

COBRA In most cases, if your employment ends, benefits will terminate on the last day of the month in which you worked. Benefits will end on the day of termination in cases of employee fraud. Through federal legislation known as the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), you may choose to continue coverage by paying the full monthly premium cost plus an administrative charge of 2% (if applicable). Each individual who is covered by an ESI benefit plan immediately preceding the employee’s COBRA event has the right to continue his or her medical, dental or vision plan.

4

The right to continuation of coverage ends at the earliest of the date:

✓✓you, your spouse or dependents become covered under another group health plan; or,

✓✓you become entitled to Medicare; or, ✓✓you fail to pay the cost of coverage; or ✓✓your COBRA Continuation Period expires


Frequently Asked Questions How do I enroll in ESI’s benefits? Once your new hire paperwork has been submitted to ESI, you will receive an email with instructions on how to complete our electronic benefit packet. The benefit packet will include information on each of the plans and the monthly cost for each plan available to you. Am I required to enroll in all of the programs, or can I elect stand-alone programs? The programs are offered un-bundled, so you can elect any combination of plan(s). For example, you are able to enroll in the dental plan only without enrolling in the medical plan, if desired. When will my benefits begin? For full-time employees who are hired with the expectation of working at least 30 hours per week, the waiting period for benefits to start is the first of the month following your date of hire. For example, if you start with ESI on July 15th, your benefits will begin on August 1st. Substitutes, Part-Time and/or Variable Hour employees may be eligible for benefits following a one-year measurement period, beginning on the date of hire, to determine the employee’s average hours worked. How long will I have coverage? You will be covered through the end of your ESI contract period. You may be invoiced for your premium over the summer if your contract spans two fiscal years or if you have subsequent year contracts with ESI. What happens to my coverage when my first contract ends? If I return to ESI, will I have to re-apply for benefits? You will be covered through the end of the month of the last month of your contract with ESI. After your contract expires, you can stay on ESI’s plan through COBRA coverage. If you decide to return to ESI for a second year, your coverage can be reinstated immediately upon returning your benefit election decisions to ESI’s Human Resources department.

Can I use my ASRS premium subsidy to pay for ESI’s medical plan? It is important to remember that ESI is not an ASRS employer, so if you choose to enroll in either medical plan, you will be forfeiting your monthly ASRS premium subsidy during the time that you are enrolled. You can, however, use your ASRS premium subsidy to help pay for dental and/or vision coverage if you choose to continue to keep that coverage through ASRS. How do I terminate my ASRS coverage? Can I reinstate my plan once I am no longer working with ESI? If you have ASRS coverage, mail a letter of termination with your name, social security number and signature to the Phoenix office. ASRS coverage can be reinstated within 31 days of terminating your contract with ESI or during the ASRS annual open enrollment, which usually runs from mid-October to mid-November with coverage effective January 1st. What if I want to make changes to my benefit elections during the year? ESI’s benefit plan year runs from January 1st through December 31st. The benefits you select during your initial eligibility period will be in effect until the end of the plan year and can only be changed during ESI’s Open Enrollment period which takes place in December, or if you experience a Qualifying Life Event such as marriage, divorce, or birth/adoption of a child. Will my cost for coverage change during my contract? ESI’s benefits run on a calendar year basis and so rates may change starting in January. The cost for the new calendar year will be provided to you during Open Enrollment so you can plan your benefit elections accordingly. When will I receive my ID cards? You will receive ID cards from the insurance company if you enroll in the medical plan. The vision and dental insurance companies do not provide ID cards and benefits can be verified when you give the provider your name and social security number.

5


Medical Plan Information 1

2

1

The network ESI will use for hospitals and physicians.

2

The company that will administer the pharmacy benefits for ESI.

3

The company that will process ESI’s medical claims.

Cigna

Educational Services, Express Inc. EMI Scripts Health

3

SUMMARY Medical benefits provide you and your family access to quality health care. ESI offers four medical plans with different coverage levels from which to choose. All plans are provided through EMI Health. EMI Health contracts with Cigna to use their PPO Network for the CarePlus plans and First Health Limited Benefit Network for the MEC Enhanced plan. The Care Plus plans provide major medical coverage to include hospitalization, physician and emergency room visits, prescriptions and more, while the MEC Enhanced plan offers minimum essential coverage like preventive care and limited physician and lab visits. To search for a Cigna PPO provider, visit emihealth.com or call 800.662.5851.

6


2018 Medical Plans CarePlus

CarePlus

Option 6

In Network

Out of Network

In Network

MEC Enhanced

CarePlus

Option 13

Option 14 Out of Network

In Network

In Network

Out of Network

Unlimited

First Health Limited Benefit Network N/A

N/A

Unlimited

N/A

N/A

Network

Cigna

Cigna

Cigna

Lifetime Maximum

Unlimited

Unlimited

Calendar Year

Unlimited

Unlimited

Out of Network

Deductibles Individual

$3,000

$6,000

$3,000

$6,000

$5,000

$10,000

$0

N/A

Family

$6,000

$12,000

$6,000

$12,000

$10,000

$20,000

$0

N/A

Coinsurance

0%

40%

0%

50%

0%

50%

N/A

N/A

Individual

$5,000

$10,000

$3,000

$10,000

$6,350

$12,700

N/A

N/A

Family

$10,000

$20,000

$6,000

$20,000

$12,700

$25,400

N/A

N/A

Inpatient Hospital

0% After Deductible

40% After Deductible

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

No Coverage

No Coverage

Outpatient Hospital

0% After Deductible

40% After Deductible

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

No Coverage

No Coverage

Emergency Room

$250 Copay

$250 Copay

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

No Coverage

No Coverage

Urgent Care

$50 Copay

40% After Deductible

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

$50 Copay;

No Coverage

40% After Deductible

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

$20 Copay;

40% After Deductible

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

$50 Copay;

40% After Deductible

Covered In Full

50% After Deductible

Covered In Full

Not Covered

100% of allowed No Coverage amount;

40% After Deductible

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

$50 Copay;

40% After Deductible

0% After Deductible

50% After Deductible

0% After Deductible

50% After Deductible

No Coverage

Out-of-Pocket Max

Hospital Services

Maximum 3 visits per calendar year

Routine Services Office Visit

$30 Copay

Specialist Visit

$60 Copay

Preventive Care

Covered In Full

Lab & X-Ray

$30 Copay

Chiropractic

$60 Copay

No Coverage

Maximum 3 visits per calendar year

No Coverage

Maximum 3 visits per calendar year

Maximum 1 visit per calendar year

No Coverage

Maximum 3 visits per calendar year

No Coverage

ACA approved preventive list only

Prescription Drugs Tier 1

$15 Copay

N/A

0% After Deductible

N/A

$10 After Deductible

N/A

10% Copay

No Coverage

Tier 2

$30 Copay

N/A

0% After Deductible

N/A

$30 After Deductible

N/A

50% Copay

No Coverage

Tier 3

$60 Copay

N/A

0% After Deductible

N/A

$60 After Deductible

N/A

No Coverage

No Coverage

Mail-Order

2.5x Retail

N/A

0% After Deductible

N/A

2.5x Retail N/A After Deductible

10% / 50% / N/A No Coverage

7


Telehealth WellVia-24/7/365 On-demand access to affordable, quality healthcare. Anytime. Anywhere. If you choose to enroll in the medical plan, you will have access to Wellvia, the only 24x7 telehealth and wellness service designed for the modern family. Whenever you have an issue, simply connect with a WellVia board-certified doctors, available by phone, video or chat. They are specially trained to diagnose, treat and prescribe medications for a wide variety of common medical conditions, helping you avoid the costly and time-consuming trips to the doctor or urgent care centers.

✓✓Talk to a real doctor, 24x7. No need to schedule an appointment or limit your visits.

✓✓Save money and time, while avoiding costly trips to a doctor’s office, urgent care or ER.

WHAT CAN BE TREATED? ✓✓Acne ✓✓Allergies ✓✓Asthma ✓✓Bronchitis ✓✓Cold & Flu ✓✓Constipation ✓✓Diarrhea ✓✓Ear Infection ✓✓Fever

WellViaSolutions.com 877-872-0370

8

✓✓Headache ✓✓Insect Bite ✓✓Joint Aches ✓✓Nausea ✓✓Rashes ✓✓Sinus Infection ✓✓Sore Throat ✓✓UTI ✓✓And more!

WHEN SHOULD I USE WELLVIA? ✓✓Instead of going of the ER or an urgent care center for a non-emergency issue

✓✓During or after normal business hours, nights, weekends and holidays

✓✓If your primary care physician is not available ✓✓To request prescriptions (when appropriate) ✓✓If traveling and in need of medical care

ARE MY CHILDREN ELIGIBLE? Yes! WellVia has pediatricians on call 24/7.

HOW MUCH DOES IT COST? Nothing! Every consultation is free for you and all of your dependents.


Dental Plan METLIFE In Network

Out of Network

Individual

$50

$50

Family

$150

$150

Annual Plan Maximum

$1,500

$1,500

Diagnostic & Preventive Services

100%

100%

Exams

100%

100%

Cleanings

100%

100%

Bitewing x-rays

100%

100%

Floride treatment

100%

100%

Basic Services

90%

80%

Amalgam & composite fillings

90%

80%

Root canals

90%

80%

Simple Extractions

90%

80%

Periodontal maintenance

90%

80%

Major Services

60%

50%

Crowns

60%

50%

Dentures

60%

50%

Bridges

60%

50%

Surgical extractions

60%

50%

Type I

Type II

Type III

The ESI dental plan includes preventive services and office visits.

9


Vision Plan

All standard lenses are covered.

RELIANCE STANDARD VISION In Network

Out of Network

Exam

$10 Copay

Reimbursed to $45

Frequency

Every 12 Months

Every 12 Months

Lenses

Covered 100%

Reimbursed to $30 to $100

Single/Bifocal/Trifocal/ Lenticular

after $25 copay

depending on lens

Frequency

Every 12 Months

Every 12 Months

Frames

$130 Allowance

Reimbursed to $70

Frequency

Every 24 Months

Every 24 Months

Contact Lenses

$130 Allowence

Reimbursed to $105

Every 12 Months

Every 12 Months

Lasik Surgery

10

15% off Retail


401(k) Tax-Sheltered Account Retirement Plan ESI is proud to offer a 401(k) plan through Slavic. The 401(k) plan allows you to shelter income on a pre-tax basis, which lowers your current year taxable liability and increases savings for retirement.

ing are available with a with a wide array of low-expense investment choices from Vanguard.

The Slavic investment platform consists of low cost mutual funds with an emphasis on index funds in an open architecture environment. The goal of this integration is to provide superior administrative and investment services to participants with an emphasis on customer service, efficiency, and effectiveness. Custody and trad-

If you are interested in participating in the 401(k) plan, please reference the online enrollment instructions found below. This 401(k) plan has no Waiting Period but you must be at least 21 years of age to participate. It’s easy to start to save with ESI!

Learn more about our 401(k) offering: educationalservicesinc.com/401k-slavic

11


SingleCare Program Making Healthcare Affordable for Everyone The SingleCare program is a new initiative focused on making healthcare affordable for everyone – We are pleased to offer this FREE program to all ESI employees. SingleCare is a healthcare company that reduces the cost of all of your out-of-pocket healthcare expenses. Your membership is free since you are an employee at Educational Services, Inc. SingleCare members benefit by receiving access to negotiated prices on a wide range of services without the burden of any sign up or monthly fees. You search for providers, compare prices online, and pay only for the services that you use. SingleCare is not insurance. However, your SingleCare

membership provides discounts on a wide range of healthcare services like outpatient healthcare visits, prescriptions, dental and vision services, chiropractic and physical therapy and other health-related services that your insurance may not cover. If you have no insurance at all, SingleCare can reduce your healthcare expenses immediately.

Here are some common ways that ESI employees use this program:

✓✓A solution to receive healthcare services at a discounted rate: You may not have medical coverage currently, or you may not be eligible for ESI’s benefit programs due to part-time or variable-hour work status. If you don’t have insurance at all, SingleCare can reduce your healthcare expenses immediately by providing discounted rates for services that you use.

✓✓An alternative solution to your current benefit limits and exclusions: Insurance may not cover certain

types of services. In some cases, there might be waiting periods or visit limits. In those situations, SingleCare may provide a great way to access the services you need at affordable prices.

✓✓Out-of-network providers: Sometimes the doctor or dentist that you want to see may not accept your insurance. If that provider accepts SingleCare, you now have a way to see the doctor or dentist you want at affordable prices.

Watch an overview video about our SingleCare program: educationalservicesinc.com/singlecare-program A SingleCare coordinator is ready to assist you with any question that you might have. Simply call toll-free at 1-800-323-1174 for more information, Monday - Friday from 9am - 9pm (Eastern Time).

12


You’re Covered with ESI and AZPE Exclusive Insurance, Legal Services and More ✓✓$2 million in professional liability and employee rights insurance

✓✓Discounted personal legal services ✓✓Membership in The Employee Network, the nation’s premier employee discount program Teaching can be one of the most rewarding careers out there, especially when you are a part of an organization that is focused on your job satisfaction. We have partnered with Arizona Professional Educators (AZPE), a leading teachers’ association dedicated to providing teachers the necessary resources to feel confident about their rights while on the job. The program is voluntary, however we encourage you to join so you can take advantage of exclusive insurance and other benefits.

✓✓Classroom and Professional Development mini-grants of up to $1,000 Although you may never need to use your insurance, it is better to be protected in the event that you do – saving you expensive and unpredictable legal fees and valuable time. Stay covered with ESI and AZPE, and see why AZPE has become the fastest-growing teachers’ association in the state.

13


Employee Rate Worksheet Use this worksheet to provide a general estimate of your benefits costs for the upcoming plan year. This is a great place to start planning for you and your family’s health and wellness for next year.

MONTHLY INSURANCE RATES FOR 2018 PLAN YEAR MEDICAL PLAN #6

MEDICAL PLAN #13

MEDICAL PLAN #14

MEC ENHANCED

DENTAL

VISION

EMPLOYEE ONLY

$386.01

$342.44

$279.61

$129.00

$44.65

$9.40

EMPLOYEE & SPOUSE

$810.66

$719.10

$587.16

$194.00

$88.53

$20.24

EMPLOYEE & CHILDREN

$733.43

$650.61

$531.25

$222.00

$93.78

$16.36

$1,235.27

$1,095.77

$894.74

$277.00

$146.75

$27.20

EMPLOYEE & FAMILY

COST CALCULATOR

INSTRUCTIONS

Medical Plan Rate

1. Write down the rates for each plan you have chosen.

Dental Plan Rate

2. Add up the rates for a Total Monthly Cost.

Vision Plan Rate

3. Multiply the Total Monthly Cost by 12 for Annual Cost.

TOTAL MONTHLY COST x12 MONTHS TOTAL ANNUAL COST Divide by # of paychecks

COST PER PAYCHECK

14

÷24 PAYCHECKS

4. Divide the Total Annual Cost by 24 (This is the number of designated paychecks benefit deductions will be taken during the school year.) 5. You now have the approximate Cost per Pay Check for the 2018 School Year.


Important Phone Numbers EMI Health Cigna PPO Medical 800.662.5851 www.emihealth.com Arizona State Retirement System Long Term Disability 520-239-3100 800-621-3778 www.azasrs.gov

Reliance Standard Vision 800.497.7044 www.VSP.com WellVia Telehealth www.WellViaSolutions.com 877.872.0370

MetLife Dental PPO 800.880.1800 www.metlife.com/dental

15


EDUCATIONALSERVICESINC.COM

ABOUT THIS BOOKLET This booklet highlights important features of ESI’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.

EDUCATIONALSERVICESINC.COM

14614 N. Kierland Blvd., Suite N230 Scottsdale, AZ 85254

ESI flipbook 2018, updated 07-31-2018  

ESI flipbook 2018, updated 07-31-2018

ESI flipbook 2018, updated 07-31-2018  

ESI flipbook 2018, updated 07-31-2018