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2015-2016

YOUR BENEFITS TOMORROW START TODAY


TABLE OF CONTENTS 2 3 4 5 6 7/8 9/10 11 12 13 14 15 16 17 18 19 20 21/22 23 24

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. Marana Unified School District is proud to offer you a broad range of benefit options. You can choose from a number of plans including medical, dental, vision, life insurance and voluntary supplement plans. In addition, we provide health care and dependent care reimbursement accounts to assist employees in managing their out-of-pocket expenses with before-tax dollars. 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.

Eligibility Enrollment Information Qualifying Life Event / COBRA What’s New in 2015/16 Healthcare Blookbook / Good Rx Medical Plans Medical Coverage Examples Dental Plans Vision Plan Employee Asst. Program Life Insurance Short & Long Term Disability Flexible Spending Accounts AFLAC LegalShield / Trustmark / Horace Mann Rate Worksheet Cost Calculator Enrollment Instructions ASRS Important Contact Information

If you should have any questions: 1. Contact the carrier directly. Phone number and website information is on page 24. 2. Go to www.maranausd.org -> employee connection -> employee benefit resource center 3. Contact Maureen Schiltz, Benefits Manager at (520) 682- 4753 or m.p.schiltz@maranausd.org. This booklet highlights important features of Marana Unified School District’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. Benefit plans may be changed for any reason, to the extent allowed by the law. Your participation in these benefits is not a contract of employment and does not guarantee future employment.


Marana Unified School District is proud to offer you a broad range of benefit options, including medical, dental, vision, life insurance, short term disability, and voluntary supplement plans.

ELIGIBILITY To be eligible for benefits, you must work a minimum of a 0.5 FTE position and 120 days of a full contract or agreement year. Eligible Dependents include: • Legal spouse • Dependent children under the age of 26 • Legal Domestic Partner

MISSION STATEMENT The Marana Unified School District, in collaboration with parents and community, will challenge all students to achieve academic and personal excellence in a rigorous, relevant and supportive learning environment.

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Enrollment Information OPEN ENROLLMENT Open Enrollment is from April 24 through May 22, 2015. This is your one time per year to make changes. All employees MUST re-enroll on-line. Failure to re-enroll will result in loss of coverage. If you do not complete your online enrollment during open enrollment, you will be required to wait until the next Open Enrollment period or until a Qualifying Life Event occurs.

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 will be required to complete an evidence of insurability form for voluntary life insurance. You may be turned down for these benefits if you do not enroll within your first 31 days as a new hire.

DISTRICT CONTRIBUTION LEVELS The District provides an insurance allotment to all eligible employees whose FTE is 0.5 to 1.0. These funds may only be applied toward your district medical premium benefit payment. Any employee contributions toward the cost of selected benefits will be deducted over designaged 21 or 16 pay periods, depending on your employement status.

The District starts contributing the first day of the month following the date of hire once online enrollment is completed. Any eligible employee working less than 0.8 FTE in their position receives a pro-rated allotment based on their FTE. You must be classified as a 0.5 FTE per week to qualify for benefits. This year if you choose not to elect medical coverage, the district will provide a $400 annual insurance allotment to all eligible employees whose FTE is 0.8 to 1.0. These funds may only be applied toward district dental, vision or voluntary life insurance. This $400 annual insurance allotment is pro-rated based on the number of hours and days worked.

PRE-TAX VS POST-TAX DEDUCTIONS 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. Post-Tax Dollars: You may elect to have your insurance premiums paid after taxes are deducted from your gross pay. If you would like to choose this option, please contact Maureen Schiltz, Benefits Manager prior to enrollment. 

DOMESTIC PARTNER COVERAGE Employees may elect to purchase ASBAIT Medical, ASBAIT Dental, EDS Dental, and Vision for a qualified Domestic Partner. To document eligibility, the employee and Domestic Partner must execute a joint affidavit before a notary public attesting to facts which establish eligibility under this policy. A copy of the affidavit can be found online at www.maranausd.org -> employee connection -> employee benefit resource center.


QUALIFYING LIFE EVENT The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (July 1, 2015 – June 30, 2016). 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.

• 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 de- lete dependents, enroll or dis-enroll yourself or dependents, but not switch insurance carri- ers or plans).

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 a Marana Unified School District benefit plan immediately preceding the employee’s COBRA event has the right to continue his or her medical, dental, vision, or Flexible Spending Accounts (FSA) plan. 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

Any changes in benefit levels must be completed within 31 days of the qualifying life event.

QUALIFYING LIFE EVENTS LIST Marital Status Changes

Covered Dependent Changes

• Marriage • Death of spouse • Divorce • Spouse gains or loses coverage from another source • Spouse’s employer’s Open Enrollment

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

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2015-2016

What’s New in 2015/16 The following is a summary of the changes to the Marana Unified School District employee benefit program in 2015/16. For more information on the changes, please reference the specific Summary of Benefits and Coverage found at www.maranausd.org -> employee connection -> employee benefit resource center.

EMPLOYEE AND DEPENDENT ELIGIBILITY • Effective July 1, 2015, qualified Domestic Partners are eligible for all MUSD employee benefit programs. o Eligible employees must complete the Domestic Partner affidavit available from the benefits resource center. Go to www.maranausd.org -> employee connection -> employee benefit resource center • Beginning July 1, 2015, all enrolled MUSD dependents will be verified for enrollment eligibility. o MUSD will require proof of legal relationship from all new employees electingdependent coverage.

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MEDICAL PLAN All Plans • Coverage for spouse, domestic partner (with completed affidavit) and dependent child(ren). • All plans will offer Mental Health Benefits now at the same level as medical benefits • Out-of-Pocket maximum will include Rx copays and coinsurance amounts • 4th tier added for specialty medications at 20% copay ($100 minimum / $150 maximum) • Rx mail service mandatory beginning 7/1/2015 when a 90 day or greater supply of medication is filled • A prescription for a 90 day supply at the pharmacy will be denied, however the pharmacy can then dispense a 30 day supply to allow the employee to then complete the mail order form for a 90 day prescription HDHP 1250 • Increased deductible - $1,300 individual / $2,600 family


HEALTHCARE BLUEBOOK

GOODRX.COM

Marana Unified School District is excited to introduce the enhancement of Healthcare Bluebook, an online tool to help you make smart decisions and keep the cost of your healthcare down. With Healthcare Bluebook, you can shop for care so that you receive the most affordable care available in your area. The cost for services can vary up to 500% from location to location without any difference in quality. Healthcare Bluebook will help you receive the most bang for your buck. It’s simple!

Make informed purchasing decisions before you fill your prescriptions. Go to www.goodrx.com or download their smartphone app. Compare prices and find coupons for your prescriptions at local pharmacies. It’s easy and free to use! Since U.S. drug prices are not fixed or regulated, prices can vary by more than $100 between pharmacies that sit on the opposite sides of the street.

• • • •

Search by Procedure See the Fair Price TM Choose a Provider Save Money

Where can I find Healthcare Bluebook? Healthcare Bluebook is easy to find:

Compare prices for all FDA-approved prescription drugs at virtually every pharmacy in America. Goodrx.com provides pharmacy coupons, manufacturer discounts, comparable drug choices and savings tips with a savings of up to 80% at local pharmacies. Goodrx.com is separate from your ASBAIT prescription benefits. Just present the Goodrx.com coupon along with your ASBAIT medical ID card at the time of your purchase.

• Log in to your member portal at www.mymeritain.com. • Click on the Cost Information tab along the top menu bar. • Choose Healthcare Bluebook from the drop-down box.

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2015-2016

MEDICAL PLAN INFORMATION 1

The Trust that will provide medical insurance to Marana Unified School District.

2

The network Marana Unified School District will use for hospitals and physicians.

3

The company that will process Marana Unified School District’s medical claims.

1 ASBAIT

Marana Unified 2

Blue Cross/ Blue Shield

Meritain Health Company

3

SUMMARY

HEALTH SAVINGS ACCOUNT (H.S.A.)

Medical benefits provide you and your family access to quality health care. Marana Unified School District offers three medical plans with different coverage levels from which to choose. All plans are provided through Arizona School Boards Association Insurance Trust (ASBAIT). ASBAIT contracts with BlueCross BlueShield of Arizona to use their PPO Network with claims processing and customer service being provided by Meritain Health Company.

If you choose to enroll in the HDHP plan, you will have the option of opening up a Health Savings Account (H.S.A.) provided by HealthEquity. An H.S.A. is a tax-advantaged savings and spending account that can be used to pay for qualified health care expenses.

To search for a BlueCross BlueShield of Arizona PPO provider please go to www.azblue.com. Click on the Find a Doctor. To contact Meritain, please go to www.mymeritain.com or contact them at 866.300.8449.

MERITAIN CONTACT www.mymeritain.com

There are two components to an H.S.A.-based coverage plan: 1. A qualified health plan is the insurance component that provides medical coverage for you and your family. This health plan includes a deductible of $1,300 for individuals and $2,600 for family coverage. 2. An H.S.A. with HealthEquity which can be funded by pre-tax payroll contributions from you, the district, or both. Please visit www.healthequity.com or contact them at 866.346.5800 for more information.


MEDICAL PLANS 2015-2016 HDHP* with Health Savings Account

Classic Gold (B15)

Copay Gold (A25)

In Network

In Network

In Network

Lifetime Maximum

Unlimited

Unlimited

Unlimited

Calendar Year

Unlimited

Unlimited

Unlimited

Individual

$1,300

$300

None

Family

$2,600**

$900

None

Coinsurance

80%

85%

N/A

Individual

$6,000

$4,000

$6,350

Family

$12,000

$8,000

$12,700

Inpatient Hospital

$250 Copay, Deductible, then 20%

$250 Copay, Deductible, then 15%

$250 Copay

Outpatient Hospital

Deductible, then 20%

Deductible, then 15%

$75 Copay

Emergency Room

Deductible, then 20%

Deductible, then 15%

$150 Copay

Urgent Care

$50 Copay, Deductible, then 20%

$50 Copay, then 15%

$50 Copay

Office Visit

Deductible, then 20%

$20 Copay

$30 Copay

Specialist Visit

Deductible, then 20%

$30 Copay

$40 Copay

Preventive Care

Covered in Full

Covered in Full

Covered in Full

Lab & X-Ray

Deductible, then 20%

Deductible, then 15%

$30 Copay

Chiropractic

Deductible, then 20%

$20 Copay

$30 Copay

Rehabilitation

Deductible, then 20%

$20 Copay

$30 Copay

Tier 1

Deductible, then 20%

$15 Copay

$15 Copay

Tier 2

Deductible, then 20%

20% ($25 min/$80 max)

20% ($25 min/$80 max)

Tier 3

Deductible, then 20%

30% ($40 min/$110 mix)

30% ($40 min/$110 mix)

Tier 4 Specialty

Deductible, then 20%

20% Copay ($100 min/$150 max)

20% Copay ($100 min/$150 max)

Mail-Order

Deductible, then 20%

2x Retail

2x Retail

Diabetic Medications

Deductible, then 20%

$5 Generic, $10 Brand

$5 Generic, $10 Brand

Deductibles

Out-of-Pocket Maximum

Hospital Services

Routine Services

Perscription Drugs

**If you have Family coverage under the HDHP, the Family Deductible must be satisfied before the Plan will pay any benefits.

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2015-2016

MEDICAL PLAN COST EXAMPLES The following examples show how each plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under the different plans available at Marana Unified School District.

Example 1 - Office Visit, Established Patient (3 visits per year)

Physician Services

$324

Physician fee for moderate or higher problem(s) requiring counseling and treatment, possibly coordination of care with other providers.

Total Charges

$324

HDHP

Classic Gold

Copay Gold

Deductibles

$324

$0

$0

Copays

$0

$60

$90

Coinsurance

$0

$0

$0

Limits or Exclusions

$0

$0

$0

Patient Pays

$324

$60

$90

Example 2 - Treating an Accident (Shoulder Injury)

Emergency Room

$799

Level 2 Emergency Room visit with follow up X-Ray

X-Ray

$32

and MRI (with and without contrast).

Imaging (MRI)

$993

Total Charges

$1,824

HDHP

Classic Gold

Copay Gold

Deductibles

$1,300

$300

$0

Copays

$0

$0

$230

Coinsurance

$105

$229

$0

Limits or Exclusions

$0

$0

$0

Patient Pays

$1,405

$529

$230

Example 3 - Manging a Well-Controlled Condition

Prescriptions

$2,900

Routine maintenance of Type 2 Diabetes.

Medical Equipment/Supplies

$1,300

Office Visits/Procedures

$700

Education

$300

Laboratory Tests

$100

Total Charges

$5,400

HDHP

Classic Gold

Copay Gold

Deductibles

$1,300

$300

$0

Copays

$0

$800

$1,520

Coinsurance

$800

$180

$0

Limits or Exclusions

$80

$80

$80

Patient Pays

$2,180

$1,360

$1,600


Example 4 - Having a Baby

Hospital Charges (mother/baby)

$3,600

The cost of a normal delivery including services for the obstetrician, hospital or birthing center, anesthesiologist and pediatrician.

Routine Obstetric Care

$2,100

Anesthesia

$900

Laboratory Tests/Radiology

$700

Prescriptions

$200

Vaccines, other Preventive

$40

Total Charges

$7,540

HDHP

Classic Gold

Copay Gold

Deductibles

$1,300

$300

$0

Copays

$250

$270

$970

Coinsurance

$310

$370

$0

Limits or Exclusions

$150

$150

$150

Patient Pays

$2,010

$1,090

$1,120

Example 5 - Total Knee Replacement (hospital confinement)

Hospital Charges

$21,000

Three (3) day hospital confinement with allowable inpatient hospital expenses and facility charges of $28,100.

Surgeon Fees

$5,000

Professional Services

$2,100

Total Charges

$28,100

HDHP

Classic Gold

Copay Gold

Deductibles

$1,300

$300

$0

Copays

$0

$0

$575

Coinsurance

$4,700

$3,700

$0

Patient Pays

$6,000

$4,000

$575

Expenses can be paid using H.S.A funds. The information on the next two pages should be used as an estimate and it is not a price guarantee. Coverage examples are not cost estimators. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows. Before seeking treatment we recommend that you call the provider to verify they are currently in your network and confirm their in-network price for healthcare services you need.


2015-2016

DENTAL PLAN INFORMATION ASBAIT DENTAL PPO OPTION

EDS PRE-PAID DENTAL OPTION

In Network Annual Deductibles

In Network Only Routine Office Visit

$5 Copay

Individual

$50

Oral Exam - Periodic

No Charge

Family

$150

Complete Series X-Rays

$25 Copay

Annual Plan Maximum

$1,500

Routine Cleaning

$7 Copay

Amalgam Restoration

$15 Copay

Benefits

Porcelain Crown

$305 Copay + Lab

Type 1 - Diagnostic & Preven- 100%

Root Canal-4

$315 Copay

Type II - Basic Service

80%

Type III - Major Services

50%

EDS DENTAL PLAN

Orthodontic Benefits Orthodontia Age Limitation

19 years old

Lifetime Maximum

50% to $1,500

Lifetime Deductible

N/A

Adult Orthodontia

N/A

Other Benefits Periodontic Coverage

80%

Endodontic Coverage

80%

• •

All dental plans include preventive services and office visits.

• • •

Great network in Tucson area Benefits are the same for all employees, regardless of length of service 60 new procedures added Implant-related services covered In-Network coverage only


VISION PLAN All lenses are covered. Lasik Surgery allowance.

AVESIS VISION OPTIONS AT A GLANCE In Network

Out of Network

Frequency

Every 12 Months

Every 12 Months

Exam

$10 Copay

Reimbursed to $35

Lenses

Covered 100%

Reimbursed to $25 to $80

Single/Bifocal/Trifocal/

depending on lens

Lenticular Frames

$50 Allowance

Reimbursed to $45

after $10 Copay Contact Lenses

Lasik Surgery

Medically Necessary

Medically Necessary

Covered in Full

Reimbursed to $250

Elective

Elective

$130 Allowance

Reimbursed to $130

$150 Allowance

$150 Reimbursement

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2015-2016

EMPLOYEE ASSISTANCE PROGRAM Alliance Work Partners - An EAP provides valuable services at no cost to employees and their families in the form of short-term solution focused counseling, legal and financial consultations through LawAccess, and worklife resources and referral through Work/Life Standard. Seven days a week, 24 hours a day, using one toll-free phone number, you can speak with registered nurses and master’s-level counselors who can help with almost any problem ranging from medical and family matters to personal legal, financial and emotional needs. If face-to-face resources are appropriate for your situation, a representative can refer you to a local professional in the BCBS of Arizona PPO Network. If appropriate, the program also provides access to a wide range of national and community resources. An EAP Teen Line 800-334-TEEN (8336) specializing in teen issues is an additional resource available as well as a 24-Hour Nurseline at 888-771-9116 for all medical questions and health issues. To create a personal account: Go to www.alliancewp.com Login using: email: asbaitmember@alliancewp.com password: AWP4me (Case Sensitive) You will be prompted to create a unique username and password.

EMPLOYEE ASSISTANCE PROGRAM CONTACT

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800.343.3822 www.alliancewp.com


LIFE AND AD&D INSURANCE Life insurance provides protection for those who depend on you financially. Your need varies greatly due to age, number of dependents, dependent ages and your financial situation. Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or pass away in an accident. • 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 event.

BASIC LIFE INSURANCE AND AD&D Marana Unified School District pays 100% of the cost of the Aetna Group Term Life Insurance Plan. Coverage for each benefit eligible employee is 1.3 times their annual base salary rounded to the next highest $1,000 up to $200,000 maximum.

VOLUNTARY LIFE INSURANCE AND AD&D You may purchase additional coverage through a term life insurance policy available from Aetna. If you are a new hire and do NOT enroll within your first 31 days of hire, then choose at a later date to enroll, you must qualify for this benefit by completing an Evidence of Insurability form. If you have previously declined this benefit and would like to enroll during Open Enrollment, you must also complete an Evidence of Insurability form or you will only be able to select the guaranteed issue amount(s) of coverage. Employee

Purchase up to $200,000 in $10,000 increments not to exceed 5 times salary Guarantee Issue: $200,000

Spouse

50% of employee benefit to a maximum of $50,000 in $5,000 increments Guarantee Issue: $50,000

Child(ren)

$10,000

Rates

Employee/Spouse - $0.24 per $1,000 Child(ren) Dependent Life - $1.15 per $10,000 regardless of the number of children


Marana Unified School District pays 100% of the cost of the Aetna Group Term Life and Short Term Disability Plan.

DISABILITY INFORMATION Disability coverage can be one of the most important benefits you have. It provides you and your family with financial protection if you are ever unable to work due to an illness or non-work related injury. • 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 event.

SHORT TERM DISABILITY Marana Unified School District pays the entire cost of the Aetna policy. Elimination Period: Benefit Amount: Benefit Duration:

45 Days, consecutive for injury or illness 66 2/3% of pre-disability weekly earnings up to $2,308 22 Weeks

LONG TERM DISABILITY All employees who work 20 or more hours per week for 20 weeks per year will pay premiums through mandatory contributions to Arizona State Retirement System (ASRS) for Long Term Disability (LTD). Elimination Period: 180 Days Benefit Amount: 66 2/3% of monthly base salary as determined by ASRS

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FLEXIBLE SPENDING ACCOUNTS The Health Care Spending Account (HCSA) and the Dependent Care Spending Account (DCSA) allow you to reduce your taxable income by paying for out-of-pocket health care and dependent day care expenses with pre-tax dollars. Since these accounts are to be used for predictable expenses, careful planning is required. If you do not use the money in this account through the plan year, the maximum that can be rolled over to the next year is $500. Please Note: Employees will become eligible to participate effective July 1st following completion of an agreement (classified) or contract year (certified).

HEALTH CARE SPENDING ACCOUNT (HCSA) How it Works: • You make before-tax deposits (via payroll deductions) to your HCSA. • You can deposit from $100 to $2,550 per year. • Eligible expenses for both you and eligible family members are covered. You or your family members do NOT have to be enrolled in MUSD’s health insurance to participate in the Health Care Spending Account. • When you or an eligible family member has a medical expense, you pay for the expense via debit card. • All expenses must be incurred from July 1, 2015 through June 30, 2016 while you are employed. • If your employment terminates or you change to non-benefit eligible status, your “plan year” will end effective the last day of the month in which the change occurred. Eligible expenses must be incurred before that date • You may not enroll in both the HDHP (with Health Savings Account) as well as the HCSA. • Administrative cost of $4.00 per month is required to participate.

DEPENDENT CARE SPENDING ACCOUNT (DCSA) How it Works: You make before-tax deposits (via payroll deduction) to your Dependent Care Spending Account. You can deposit from $100 to $5,000 per year. In some cases, your maximum allowed annual contribution may be less than $5,000. For example: • If you are married and your spouse contributes to a similar account, your combined contributions may not exceed $5,000 per year. • If you are married but file separate tax returns, your annual contribution is limited to $2,500. • Your contributions cannot exceed the amount of your income or your spouse’s income, whichever is lower. • Expenses for DCSA can be incurred July 1, 2015 through September 15, 2016. • If you do not use the money in this account through the plan year, the balance will be forfeited. For reimbursement of an eligible expense, you pay the bill and then submit a claim form for reimbursement. You must include an original receipt from your dependent care provider and report the provider’s taxpayer ID.

IRS RULES FOR ALL FLEXIBLE SPENDING ACCOUNTS • Your deposit amount cannot be changed, stopped or started during the year for any reason, unless you have a Qualifying Life Event - (see page 4). • Only those expenses that are considered tax deductible by the IRS, as listed in Publication 502, are eligible for reimbursement. • IRS guidelines can be found at http://www.irs.gov/ publications/p969/ar02.html To enroll in the FSA or DCSA, you must meet with an AFLAC representative. Contact The Jones District at 602-2291970 for more information or to set up an appointment.

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AFLAC American Family Life Assurance Company (AFLAC) is pleased to offer Marana Unified School District employees and qualified dependents the opportunity to elect coverage into different Aflac policies. A few things to remember about these policies: • An AFLAC policy is separate from the other policies listed in this book. Aflac does not replace your medical insurance or short-term disability coverage. • AFLAC pays you directly, no matter what other insurance you may have. • You can enroll in one or all of the policies and are eligible to participate in these policies the first of the month following date of hire. To enroll in these policies, you must meet with an AFLAC representative. Contact The Jones District at 602- 229-1970 for more information or to set up an appointment.

ACCIDENT INDEMNITY ADVANTAGE This plan pays cash benefits in the event of an accidental injury that needs emergency treatment such as burns, lacerations, concussions, or a broken limb, along with the following benefits: • Emergency treatment benefits • Follow-up treatment benefits for the same accident • Initial hospitalization benefits • Hospital confinement benefits • Physical therapy benefits • Accidental death

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PERSONAL SICKNESS INDEMNITY PLAN This plan pays cash benefits in the event of a personal sickness to help offset the cost of major diagnostic exams, physician visits, surgery and hospital stays. • Physician visit benefits • Initial hospitalization benefits • Hospital confinement benefits • Major diagnostic benefits • Surgical benefits for covered sicknesses • Ambulance benefits

CANCER INDEMNITY PLANS These plans pay cash benefits for an individual diagnosed with internal cancer. • Direct non-surgical treatment benefit (i.e. chemo therapy) • Indirect/Additional therapy benefits (i.e. bone marrow transplants) • Surgical treatment benefits • Hospitalization benefits • Continuing care benefits You are encouraged to read the plan policy and brochure to insure you fully understand each plan prior to enrolling.


LEGALSHIELD LegalShield Plans Cover: You, Your Spouse and Your Dependent Children. LegalShield Plans provide Advice, 24/7 Emergency Assistance, Letters and Phone Calls on Your Behalf, Legal Document Review, Standard Will Preparation, Motor Vehicle Services, Audit Services as well as the following: • Credit Report • Personal Credit Score with Analysis • Continuous Monitoring with Activity Alerts • Identity Restoration Services If you face an identity theft issue, experts will take over the restoration process correcting identity theft issues with affected agencies and institutions. You must meet with a LegalShield representative to purchase a LegalShield plan. Please contact Ray Rios at 520.406.9630 for more information or to set up an appointment.

TRUSTMARK

THESE PRODUCTS ARE ONLY OFFERED DURING OPEN ENROLLMENT & NEW TEACHER ORIENTATION

HORACE MANN – AUTO INSURANCE Horace Mann was founded by Educators for Educators®. Their programs and services were developed with educators in mind.

AUTO DISCOUNTS Horace Mann makes auto insurance affordable by offering special discounts and savings to educators. By purchasing your Auto coverages through Horace Mann, you will receive a 10% discount and your premiums will be paid by payroll deduction. They offer the following coverages: • Liability Coverage • Uninsured Motor Vehicle Coverage • Underinsured Motor Vehicle Coverage • Collision Coverage • Comprehensive Coverage You must meet with a Horace Mann representative to purchase Auto Insurance through Horace Mann. Please contact Bruce Stubbs at 520-867-8807 for more information or to set up an appointment.

Permanent Cash-Value Life Insurance – Designed to provide coverage for your working years and beyond. Plan is portable and eligible employees may apply for coverage on a guarantee-issue basis during Open Enrollment (no medical questions). Critical Illness – Designed to pay a lump sum benefit if you or a covered family member is diagnosed with a covered critical illness including cancer, heart attack, major organ failure, benign brain tumor, blindness, end- stage renal failure, coronary artery bypass surgery, stroke, and permanent paralysis. Benefit amounts are guarantee issue: • Employee: $10,000 • Spouse: $5,000 (maximum 50% of employee amount) • Children: $1,000 (maximum 10% of employee amount) Contact Trustmark at 800-918-8877, option 6 for more information.

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2015-2016

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 2015-2016 PLAN YEAR MEDICAL PLAN DENTAL PLAN

VISION PLAN

HDHP

CLASSIC GOLD COPAY GOLD

PP0

EDS

AVESIS

$267.00

$346.00

$565.00

$37.00

$9.79

$6.51

EMPLOYEE & SPOUSE $548.00

$723.00

$1,155.00

$75.00

$22.78

$10.70

EMPLOYEE & DOMESTIC $548.00 PARTNER*

$723.00

$1,155.00

$75.00

$22.78

$10.70

EMPLOYEE & CHILDREN $522.00

$688.00

$1,097.00

$77.00

$30.36

$11.07

EMPLOYEE & FAMILY

$758.00

$1,002.00

$1,598.00

$99.00

$32.86

$17.57

EMPLOYEE & DOMESTIC $758.00 PARTNER & CHILDREN*

$1,002.00

$1,598.00

$99.00

$32.86

$17.57

EMPLOYEE ONLY

DISTRICT’S CONTRIBUTION EMPLOYMENT STATUS CONTRIBUTION

HSA

HSA

0.8 - 1.0 FTE 0.64 – 0.79 FTE 0.50 – 0.63 FTE

$1000 ANNUALLY $750 ANNUALLY $500 ANNUALLY

$83.33 MONTHLY $62.50 MONTHLY $41.67 MONTHLY

*Please note that deductions for domestic partner premiums are post-tax. IRS section 125 tax law prohibits a pre-tax insurance deduction for domestic partner coverage.

$4,152 ANNUALLY $3,114 ANNUALLY $2,076 ANNUALLY


COST CALCULATOR COST CALCULATOR PLAN CHOICES

INSTRUCTIONS 1. Write down the rates for each plan (Medical, Dental and Vision) you have chosen.

MEDICAL

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

DENTAL

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

VISION TOTAL MONTHLY COST X 12 MONTHS ANNUAL COST District’s Contribution* (see side bar)

-

TOTAL ANNUAL COST Divide by number of paychecks

COST PER PAY CHECK

÷ 21 PAYCHECKS

4. Determine your employment status and find the District’s contribution in the table on the previous page. 5. Subtract the District’s Contribution from the Annual Cost for the Total Annual Cost 6. Divide the Total Annual Cost by 21 (or 16 for a timecard employee). This is the number of designated paychecks benefit deductions will be taken during the school year. 7. You now have the approximate Cost per Pay Check for the 2015 - 2016 School Year. 8. All voluntary supplement benefits will be deducted over the same pays on a post-tax basis. Enrollment in any voluntary program is a separate deduction.

20


2015-2016

ONLINE ENROLLMENT INSTRUCTIONS Marana Unified School District, in partnership with Tyler Technologies, is using an on-line insurance enrollment program called iVisions. During Open Enrollment - April 24 through May 22 1. Attend a Benefit Fair 2. Review plan options 3. Complete online enrollment 4. If you need assistance, please schedule time at your designated location. 5. Enrollment in voluntary plans is not completed online. Please contact the carriers directly or enroll at the benefit fairs. The following are instructions to assist new hires with the enrollment process. Log onto the following website: https://ivisions.maranausd.org/ivisions/ or From the district website: Scroll to the bottom of the page and click on iPortal For Initial Enrollment: • You will need to link your information to your iPortal user account • Please enter (On the right side of the page) • The last four digits of your social security number • Date of birth • Zip code • Once entered, click on Link • Go to the blue menu bar and highlight “Employee Resources” • From the pull down list, click on “Benefits Enrollment” The Enrollment Process: • Each screen will contain instructions to guide you through the enrollment process. • Please read the instructions carefully before making your selection(s). • DO NOT USE your internet browser back/forward buttons. Please use the navigation buttons at the bottom of each page. • The screens are in sequential order, so follow this guide along with your computer screen to help you through the process.

Welcome Instructions – Read this screen. No action is necessary. Reason for Change – Please Read. This screen will be set for the option that is applicable for the enrollment reason. No action is necessary. Employee Information – Please enter your personal information. Telephone numbers should not contain hyphens (-). Remember, this information is sent to the insurance carriers and needs to be correct. To make a change to your information please go to Employee Resources | Profile | Contact Information. Please note that changes to your contact information must be reviewed and processed and therefore will not be reflected on the benefits enrollment section. Emergency Contact(s) – Please enter at least one emergency contact. Telephone numbers should not contain hyphens (-). To update your contacts please click on the magnifying glass to the left of the contact name. Dependent Information – Please add any dependents, such as spouse, domestic partner and child(ren) here. If you do not add your dependents here, they will not be eligible for benefits. You will need to provide social security numbers for dependents if you add them to your benefit plans. Birth dates should be entered in mm/dd/yyyy format. Once again, telephone numbers should not contain hyphens (-). • All enrolled dependents will be verified for eligibility. • All domestic partners must complete the DP affidavit form. Beneficiary Information – Please enter at least one beneficiary by clicking on the “Add Beneficiary” link. To edit this information, please click on the magnifying glass to the left of the name. Social security numbers should not contain hyphens (-). Birth dates should be entered in mm/dd/yyyy format. Once again, telephone numbers should not contain hyphens (-).


Medical Insurance – Please select the medical plan you would like to enroll in. If you wish to waive medical, you can select the “medical waived” option at the bottom of the list. Please also specify any covered dependents. If you enroll in the HDHP 1300 plan, you will be directed to the Health Savings Account page where you can add to your Health Savings Account up to the maximum IRS regulations. Dental Insurance – Please select the dental plan you would like to enroll in. If you wish to waive dental, you can select the “dental waived” option at the bottom of the list. Please also specify any covered dependents. If you select the Prepaid Employers Dental Service coverage, please enter the access code for your Dental Care Provider. If you do not know the access code please click on the EDS Provider Directory and search by name, dental center or zip code. Vision Insurance – Please select from the Avesis plans, or select the “vision waived” option at the bottom of the list. Please also specify any covered dependents.

specified beneficiaries (please note both fields must equal 100%). Percentages must be entered in both the Primary and Contingent fields; otherwise, the system will not let you advance. If you are enrolling for the first time beyond your initial 31 days of eligibility, or you are changing amounts, you will be required to complete the Evidence of Insurability Form and turn it in for processing. Benefits Enrollment Confirmation Statement – Please review this statement. A pop up will appear confirming your elections. Once you confirm, you cannot go back and make changes. Click on Submit for completion. View/Print this statement for your records. *Please note that if you waived the medical coverage, depending on your FTE status, and select the $400 annual or prorated allotment it will not be reflect in the online enrollment system. **Enrollment for the Aflac, Horace Mann, LegalShield, and Trustmark products is not completed in the online enrollment system. Please contact the carriers directly or meet with them at the benefit fairs. Need additional assistance? Please contact Maureen Schiltz, Benefits Manager, at 520-682-4753 or M.P.Schiltz@maranausd.org.

Employer Paid Life Insurance – This program is provided by and paid for by MUSD. Click the box to elect coverage to the left of the plan name and specify at least one beneficiary. Enter the percentages for the specified beneficiaries (please note both fields must equal 100%). Percentages must be entered in both the Primary and Contingent fields; otherwise, the system will not let you advance. Employer Paid Disability – This program is provided by and paid for by MUSD. Click the box to elect the coverage to the left of the plan name. Voluntary Life Insurance – Please make your elections and hit calculate. If you do not wish to enroll in the additional coverage please enter a zero in the boxes for Employee, Spouse, and Child(ren). If you elect coverage, please enter the percentages for the

22


2015-2016

ARIZONA STATE RETIREMENT All eligible employees must participate in the Arizona State Retirement System. Eligible employees are those who work for one or more participating employers for a total of 20 or more hours per week for 20 or more weeks in a fiscal year. Participation is mandated by state law and is in addition to participation in the federal Social Security system. Contribution rates are actuarially determined and are adjusted annually to ensure the plan remains fiscally sound and able to meet current and future obligations. There are two portions to the ASRS contribution rate, the Retirement Pension & Health Insurance Benefit, and the Long Term Disability Income Plan. The district will match this total contribution rate by 50%. Employees may change the beneficiary of their ASRS account at any time by contacting Arizona State Retirement System. For members who retired, then returned to work for an ASRS employer while keeping their monthly pension, an Alternate Contribution Rate (ACR) is required. Refer to ASRS website at www.azasrs.gov

HELPFUL INFORMATION Please visit the Arizona State Retirement System (ASRS) website at www.azasrs.gov for information listed below and more: • Creating your personal online account • Register for a Know your Benefits Webinar • Check your Retirement Online Estimator • Visit the Interactive Center • Check the Fact Sheets • Attend a scheduled Getting Ready for Retirement Meeting • Check the latest News and Events Calendar


IMPORTANT CONTACT INFORMATION ASBAIT Blue Cross/Blue Shield Medical 1.866.300.8449 www.azblue.com Employee Portal: www.mymeritain.com HealthEquity Medical 866.346.5800 www.healthequity.com  ASBAIT Dental PPO 866.300.8449 Employee Portal: www.mymeritain.com  Employers Dental Services Dental HMO 520-696-4343 800-722-9772 www.mydentalplan.net Employee Portal: www.mydentalplan.net  Avesis Vision 800-522-0258 www.avesis.com  Alliance Work Partners EAP & Nurse Support 800.343.3822 (EAP) 800.334.8336 (Teen Line) 888-771-9116 (Nurse) www.alliancewp.com  Aetna Basic & Voluntary Life AD&D Short Term Disability 800-523-5065 (Life) 866-282-8495 (Disability) www.aetna.com 

Aflac 602-229-1970 (To Enroll) www.aflac.com Horace Mann 520-867-8807 (To Enroll) www.horacemann.com LegalShield 520-406-9630 (To Enroll) www.legalshield.com  Trustmark 800-918-8877 Option 6 (These products only offered during Open Enrollment and New Teacher Orientation) Arizona State Retirement System Long Term Disability 520-239-3100 800-621-3778 www.azasrs.gov Employee Benefits Resource Center www.maranausd.org -> employee connection Maureen Schiltz MUSD Benefits Manager 520-682-4753 M.P.Schiltz@maranausd.org MUSD Financial Services Department 520-682-4749 www.maranausd.org Wage Works / FSA 877.924.3967 (FSA) www.wageworks.com

24


ABOUT THIS BOOKLET This booklet highlights important features of Marana Unified School District’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. Benefit plans may be changed for any reason, to the extent allowed by the law. All benefit plan information can be found at www.maranausd.org -> employee connection -> employee benefit resource center. Your participation in these benefits is not a contract of employment and does not guarantee future employment. This booklet was prepared for Marana Unified School District with assistance from:

Capital Financial 21819 N Scottsdale Road, Suite 100 Scottsdale, AZ 85255 Office / 623.337.0742 Fax / 480.794.1703

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MUSD Employee Benefit Guide 2015  

MUSD Employee Benefit Guide 2015  

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