LCPS 2018 Open Enrollment Guide by LCPS

Benefits Open Enrollment Begins October

Benefits Open Enrollment Ends November

Health Plans Community Bank

d OAP an POS Plans

Insurance

Health

HDHP doctors HSA hospital coverage

Insurance

Health

HDHP doctors HSA hospital coverage

d OAP an POS s Plan

LCPS 2018 Open Enrollment Guide

Health Savings Account $$$

Critical Illness and Accidental Injury

Dental and Vision

$$ d OAP an POS s n Pla

OPEN ENROLLM ENT

$$ OPEN ENROLLM ENT

$$$

School

Health Care Spending Account

d OAP an POS Plans

Choose Your Plan

CONTENTS

Medical Coverage

FSA & HSA

Critical Illness Insurance

Accidental Injury Insurance

On the Road to Open Enrollment! Open enrollment is your opportunity to choose the benefits that best meet your needs. The information in this Open Enrollment Guide will review all three medical plan options, give side-by-side examples of the FSA and HSA, compare claim expenses and out-of-pocket costs for services with each plan, and remind you of some available resources. You may also visit the Open Enrollment website at www.lcps.org/ Employee Benefits for more 2018 Open Enrollment information.

Dental & Vision Coverage

Open Enrollment Events • Learn more about your benefits! • Visit with LCPS vendors and staff! • Get a free flu shot and free screenings!

You’re Invited! 2018 Open Enrollment Events October 21 and November 11 10:00 am – 2:00 pm Administration Building, Ashburn

• Learn about VRS retirement benefits! • Receive a free gift and a chance to win an iPad (4 winners)!

See the back cover for more information

Stay Tuned: Webinars Coming In October—on HDHP with HSA, Rx coverage and more!

Loudoun County Public Schools

WHAT YOU NEED TO DO No action is necessary if you do not want to make any changes to your current medical, dental or vision enrollment elections. If you do nothing, your current enrollment elections will rollover. However you must re-enroll in Flexible Spending Accounts each year you wish to participate. FSA elections DO NOT continue from year to year. Action is necessary if you want to: • Change your current medical, dental or vision enrollment elections • Add/delete a dependent to your current medical, dental or vision enrollment elections • Enroll in Flexible Spending Accounts (Health care and/or Dependent Care) • Change or add/delete HSA contributions The 2018 Open Enrollment Election/Change Form is included in this mailing. All enrollment election forms are due by November 15, 2017.

Open Enrollment: October 15 through November 15

Employee Premiums Health insurance rates (Medical OAP and POS, Dental and Vision plans) will increase by 2% on January 1, 2018. HDHP plans are not subject to the 2% rate increase.

MONTHLY Includes all employees in a full time position

POS

OAP

HDHP

EE Only

$139.90

$18.30

$9.86

EE + Child

$272.62

$99.95

$22.18

EE + Spouse

$482.61

$239.40

$139.70

EE + Family

$661.52

$357.47

$199.62

Critical Illness

Accidental Injury

Premiums vary; see pages 20-21

Premiums vary; see page 22

Dental

Vision

$1.35

$0.12

$7.50

$0.81

$17.27

$1.08

$26.44

$2.68

Dental

Vision

$0.62

$0.06

$3.46

$0.37

$7.97

$0.50

$12.21

$1.24

BI-WEEKLY Includes all employees in a full time position

POS

OAP

HDHP

EE Only

$64.57

$8.44

$4.55

EE + Child

$125.83

$46.13

$10.24

EE + Spouse

$222.74

$110.49

$64.48

EE + Family

$305.32

$164.99

$92.13

*Actual per pay rates may differ slightly due to rounding

Critical Illness

Accidental Injury

Premiums vary; see pages 20-21

Premiums vary; see page 22

HDHP not subject to 2% rate increase

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

Findi ng th e

RIGH T PLA N FOR YOU Insurance

Health

HDHP doctors HSA hospital coverage

LCPS offers three comprehensive medical

d OAP an POS Plans

plans for benefits eligible employees and their eligible dependents. These plans, Point

of Service (POS), Open Access Plan (OAP),

and the High Deductible Health Plan (HDHP),

are designed to provide you with a wide range

of options to meet the diverse needs of you and

your family. Medical coverage is provided through

Cigna and prescription drug coverage

is provided through Express Scripts.

$$$

$$ Choose Your Plan

d OAP an POS Plans

Loudoun County Public Schools

OPEN ENROLLM ENT

POS

OAP

Point of Service Plan

Open Access Plan

POS provides care through a specific local network of providers to offer in- and out-ofnetwork coverage. You pay either a fixed copayment or deductible and coinsurance, depending on the medical services. You are required to get a referral from your primary care physician in order to see a specialist.

OAP is a type of PPO plan offering inand out-of-network coverage through a broad national provider network. You pay either a fixed copayment or deductible and coinsurance, depending on the medical services. No referrals are required to see a specialist.

This plan has

the highest monthly premium.

HDHP

High Deductible Health Plan with Health Savings Account

MEDICAL COVERAGE

Medical Coverage Options

The High Deductible Health Plan is our premier medical plan. Itâ&#x20AC;&#x2122;s paired with a LCPS-funded Health Savings Account (HSA) providing $1,000 for those with employee-only coverage and $2,000 for those with employee and one or more Dependant(s) coverage. Plus, you will receive a $5,000 Critical Illness Policy funded by LCPS. No referrals are required to see a specialist.

This plan has

a lower

monthly premium.

This plan has

the lowest monthly premium.

Annual Enrollment Ahead

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

MEDICAL COVERAGE

Medical Plans Compared Annual Deductible

Annual Deductible for In-Network Services

The following chart gives a side-by-side overview of the differences between the POS, OAP and HDHP plans and how eligible expenses are covered.

POS

Point of Service

OAP

Open Access Plus

HDHP

High Deductible Health Plan

Individual

Family

Individual

Family

Individual

EE + 1 or Family

$300

$600

$500

$1,000

$1,500

$3,000

$600

$1,200

$1,000

$2,000

$1,500

$3,000

N/A

$1,000

$2,000

LCPS funded HSA

Your responsibility before the health plan shares the costs

Annual Deductible for Out-of-Network Services Your responsibility before the health plan shares the costs

Health Savings Account (HSA) LCPS will make contributions to your HSA to help you meet your deductible

You are responsible for paying $300 individual/ $600 family to meet the annual deductible for in-network services.

What is an “Annual Deductible”? The Annual Deductible is the amount you’re responsible for paying out-of-pocket, before the health plan begins to pay for services.

Loudoun County Public Schools

You are responsible for paying $500 individual/$1,000 family to meet the annual deductible for in-network services.

You are responsible for paying $1,500 individual/ $3,000 employee+1 or family annual deductible but LCPS will contribute $1,000 or $2,000 into a Health Savings Account to help pay for health care services. Note: In-network and out-of-network deductibles do not cross accumulate.

POS

Point of Service

Your Out-of-Pocket Maximum

OAP

Open Access Plus

Individual

Family

Individual

Family

$3,000

$6,000

$2,000

$4,000

HDHP

High Deductible Health Plan

$6,000 Individual / $12,000 (EE + 1 or

Family)

The most you will pay within a calendar year

PCP/Specialist Office Visit

$20 (PCP) /

$40 (Specialist)

Emergency Room

$150

10% after In-Network Deductible

Preventive Exams

Covered 100%

Urgent Care

$50

10% after In-Network Deductible

You’re responsible for paying a copay for office visits, emergency room and urgent care. However, your annual deductible must be met before the health plan begins to pay for hospitalization, x-ray and imaging services, out-patient surgeries, etc. Once you’ve met your deductible, the health plan will pay 100% of most eligible in-network services.

You’re responsible for paying a copay for office visits, emergency room, and urgent care, hospitalization and out-patient surgeries. However, your annual deductible must be met before the health plan begins to pay for hospitalization, x-ray and imaging, out-patient surgeries, etc. Once you’ve met your deductible, the health plan will pay 90% of your eligible in-network services and you pay 10%.

Once you’ve met your deductible, the health plan will pay 90% of your eligible in-network services and you pay 10%.

What is a “Copayment”? A fixed amount you pay for a particular service or prescription drug. Copayments are not subject to your annual deductible — meaning, a copayment applies, even if you have not met your annual deductible.

MEDICAL COVERAGE

Medical Services

10% after In-Network Deductible

Preventive Care: When you use in-network providers, preventive care is covered at 100% with no copayments or deductible for all plans. However, if services are done for diagnostic care to monitor, diagnose, or treat a symptom or health issue, you may have a cost. The out-of-pocket maximum is the most you will pay within a calendar year. If your 10% coinsurances and copays accumulate to the out-of-pocket maximum, you no longer pay for services the remainder of the calendar year.

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

MEDICAL COVERAGE

Prescription Drug Coverage Compared

POS

OAP

HDHP

You’re responsible for paying a copay for Retail or Mail order purchases.

Before In-Network

After In-Network

Retail

Mail

Retail

Mail

Retail

Mail

Generic

$10

$20

$10

$20

100% of negotiated rate

10%— max $10

10%— max $20

Brand Preferred Formulary

$30

$60

$30

$60

100% of negotiated rate

20%— max $60

20%— max $120

$100

$50

$100

100% of negotiated rate

30%— max $100

30%— max $200

100% of negotiated rate

30%— max $150

Point of Service

Up to 30-day Supply

Brand $50 Non-Preferred Formulary Specialty Medications

Up to 90-Day Supply

N/A

(based on copays above)

Open Access Plus

Up to 30-Day Supply

Up to 90-Day Supply

N/A

(based on copays above)

High Deductible Health Plan deductible is met you pay:

Up to 30-Day Supply

Mail

Up to 90-Day Supply

deductible is met you pay:

Up to 30-Day Supply

Up to 90-Day Supply

Note: You may use your HSA contributions to pay prescription costs

Only for HDHP enrollees

Preventive Drugs on Preventive Drug List

All medications on the Prescription Preventive Drug List will have a copay — not subject to the deductible.

Retail

Mail

Generic

Brand Preferred Formulary

$30

$60

Brand Non-Preferred Formulary

$50

$100

Specialty Medications

N/A

(not subject to deductible)

Generic medications on the Prescription Preventive Drug list are free — No Cost. Visit www.lcps.org for the complete Prescription Preventive Drug List. All medications not listed on the Prescription Preventive Drug list will be subject to the annual deductible. You’re responsible for paying 100% of the Express Scripts negotiated rate, until the deductible is met. After the deductible is met, you’re responsible for paying a coinsurance/percentage of the Express Scripts negotiated costs up to the maximum/capped amount for each tier — Generic, Brand Preferred Formulary, Brand Non-Preferred Formulary and/or Specialty. You may use your HSA contributions to pay prescription costs.

Loudoun County Public Schools

FSA & HSA Facts abou t the

LCPS employees have two options for lowering the taxes they pay on covered expenses.

You may choose to participate in a Health Savings Account (HSA) if you are enrolled in the High Deductible Health Plan (HDHP). You may also choose to participate in a Flexible Spending Account (FSA) to pay for qualified expenses, including health care and dependent care.

Both HSAs and FSAs allow you to set money aside, before taxes, to pay for qualified out-of-pocket expenses. Both allow you to choose how much money to have withheld, based on what you expect your personal or family expenses will be.

There are significant differences between the two types of accounts, as shown in the table on the next page.

The major difference is that with an HSA, there is no “use it or lose it” rule — at the end of the year any account balance “rolls over” for the next year, and for each year thereafter. The funds can be used to pay current-year health care expenses, or you can invest your money to use Insurance later, such as during retirement. Health

With an FSA you must “use it or loseHDHP it.” Any unused funds remaining doctors HSA hospital after the March 31st filing deadline are coverage forfeited.

Insurance

Health

HDHP doctors HSA hospital coverage

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

Spending and Savings Accounts Q&A

FSA & HSA

The following chart gives a side-by-side overview of the differences between the Flexible Spending Account (FSA) and the Health Savings Account (HSA): FSA Flexible Spending Account

HSA Health Savings Account

Who is eligible to participate?

All full-time employees are eligible to enroll in the Healthcare or Dependent Care FSA. Note: Enrollment in both the HDHP and Healthcare FSA, means you can use the Healthcare FSA for dental and vision expenses ONLY

Employees enrolled in a high deductible health plan (HDHP)

What are the annual contribution limits?

$2,600 for healthcare and $5,000 for Dependent care

$3,450 employee only and $6,900 employee + 1 or Family

Are contributions tax-free?

Yes

Who owns the account?

Employer (LCPS)

Employee

Does LCPS contribute to my account?

Yes, LCPS makes an annual contribution to your account: $1,000 employee only $2,000 employee + 1 / Family

Can I invest the funds in my account?

Yes, accounts with a $2,000 balance can invest funds with HSA Bank.

Do balances carry over?

No, It’s “use it or lose it”.

Yes, unused funds carry over from year to year

When can I use my funds?

The entire annual contribution amount is available at the beginning of the year, even if the accounts not fully funded yet.

Only funds paid into the account are available for use. 100% of LCPS contribution is available for use after the second pay date in January.

Can I make changes to my contribution amounts?

Only for qualifying events, such as a marriage, divorce, birth, or during open enrollment.

Yes, at any time. Note: changes may take one to two pay periods to become effective.

Can I have both an FSA and an HSA?

Yes, you can have both an FSA and an HSA, but your Health Care FSA will be limited to only reimburse for dental and vision expenses.

What happens to my HSA funds if I move from the HDHP plan to the POS or OAP plan?

Any balance remaining is yours. You may use your HSA balance to pay for eligible medical, prescription, dental and vision expenses. However, you are no longer eligible to contribute to your HSA account once you transfer. You can only contribute to an HSA if enrolled in a HDHP medical plan.

Loudoun County Public Schools

Health Savings Accounts: Key Details and Benefits Health Savings Accounts are only available to employees enrolled in the HDHP plan.

Tax Advantages of an HSA HSAs work like personal savings accounts, but the funds are used to pay for qualified health care expenses (medical, Rx, dental and vision). You — not LCPS or Cigna — control the funds. Tax advantages include: • Contributions are with pre-tax dollars via payroll deductions • You never pay taxes on money used to pay for qualified medical expenses • Once the account reaches $2,000 the funds can be invested like an IRA

Your HSA Funds Are Always Yours Your account balance can be used to pay for qualified medical expenses. In addition: • Your account stays with you, even if you change medical plans, jobs, retire or separate from LCPS

FSA & HSA

• Your account funds grow tax-free

• How much you contribute to your account is up to you, up to the allowable IRS limit • You decide whether you want to use your funds to pay for or be reimbursed for qualified medical expenses • You may invest it in a range of mutual funds, stocks, or bonds, as listed on the next page

Maximum Annual Contributions to an HSA 2018 Limits

Age 55+ Catch-Up Contributions

Employee Only

$3,450

$1,000

Employee + 1 or More Dependents

$6,900

$1,000

Note: If you are age 55 or older, you can save an additional $1,000 catch-up contribution each year.

Using Your HSA Account After receiving medical services, you can use your HSA debit card and/or checkbook to make a payment directly from your HSA to the provider, or you can choose not to use money from your HSA and let your account funds grow tax-free. (Payments for nonqualified medical expenses are taxable as income and subject to an additional 20% tax penalty.) What happens when you turn age 65 or become disabled? After you turn age 65 or become entitled to Medicare even due to disability, you may withdraw money from your HSA for “nonmedical purposes” without penalty. The withdrawal is treated as retirement income and is subject to normal income tax. However if you use the funds to pay for qualified health care expenses — including Medicare premiums, the withdrawals are tax free.

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

FSA & HSA

Health Savings Accounts are similar to an IRA A Health Savings Account (HSA) is a taxexempt account used to pay for health care expenses (medical, Rx, dental and vision). Just like an IRA, you can invest your funds. The account funds grow tax-free. With an HSA, you get the same tax deduction when you contribute money, but when you use the funds for medical expenses or Medicare premiums, you withdraw it tax-free. However, with an IRA, you pay taxes when you withdraw it in retirement.

You will have two Investment Program Options with TD Ameritrade or Devenir. Here’s a quick comparison of the two programs: Devenir

TD Ameritrade

Investment Type Offered

Pre-selected mutual funds

Thousands of investment options including stocks, bonds, and mutual funds

Monthly Fees

Trading Fees

No trading fees apply

Fees may apply based on the type of trade

Ability to Auto-Sweep from Cash Account

Yes

Investment Tools and Resources

Yes

Load-Waived Investment

Yes

Mobile Access to Trades

Yes

HSA Bank Your Health Savings Account will be administered by HSA Bank. New HDHP participants will receive a welcome kit in January, with information about debit cards, investment account options, banking statements and more. You will have online access to information about your HSA via www.mycigna.com. HSA BANK

LCPS Health Savings Accountholders with a minimum balance of $2000 can take advantage of the investment options offered by HSA Bank. Employees may choose from a wide range of mutual funds, stocks, bonds and more. You can move your HSA investment funds back into your HSA Cash Account at any time to pay for your health care expenses.

Loudoun County Public Schools

Did you know... After 1 year, HDHP enrollees have an Average Account 39% RANGE Balance of $1,001– over $1,506 $2,000 remaining in their Health Savings 12% Account (HSA). RANGE $501– $1,000

32%

RANGE $2,001– $5,000

16%

RANGE $0–$500

Flexible Spending Accounts: Key Details and Benefits FSAs are available to all full-time employees, even if you are not enrolled in a medical plan. Additionally FSAs are available to those enrolled in the HDHP plan on a limited basis (for health care FSAs). Tax Advantages of a Flexible Spending Account (FSA) FSAs offer a range of tax-saving options, including: • Employees can deposit up to $2,600 per year of pre-tax dollars via payroll deductions for reimbursement of eligible medical, prescription, dental and vision expenses

• Employees can set aside up to $5,000 per year of pre-tax dollars for reimbursement of eligible dependent care expenses Maximum Annual Contributions to a FSA

FSA & HSA

• Employees enrolled in both the HDHP medical plan with an HSA can deposit up to $2,600 per year of pre-tax dollars for reimbursement of eligible dental and vision expenses ONLY

• $2,600 for Health Care • $5,000 for Dependent Care Using Your Account The entire annual contribution amount is available at the beginning of the year, even if the account is not yet fully funded. There is a grace period of up to March 15 of the following year to spend and file claims for reimbursement for the health care FSA. FSA accounts have a use-it-or-lose-it provision. Any unused funds remaining after the March 31st filing deadline are forfeited. Note: If you enroll in the HDHP medical plan with an HSA, your Health Care FSA filing deadline is December 31, 2017. Any unused funds remaining after December 31, 2017 are forfeited. The normal grace period no longer applies because your HSA account opens on January 1. The IRS does not allow you to contribute to an HSA and a Traditional Health Care FSA that allows for reimbursement of medical, prescription, dental and vision expenses. In order to comply with the IRS, your Health Care FSA must be changed to a Limited Purpose Health Care FSA that will only allow for reimbursement of dental and vision expenses.

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

EXAMPLE

Typical Medical Event Example for Employee Only Coverage

Letâ&#x20AC;&#x2122;s take a look at how annual out-of-pocket costs will compare between the POS, OAP and HDHP for the same claims expenses. This example illustrates hypothetical medical events for an employee with employee only coverage.

Compare What You Will Pay in Each Plan Routine Services Example Claim Expenses

POS

OAP

HDHP

$150 for PCP visit for Sinus Infection

$20

$150 for PCP visit for Ear Ache

$20

$100 for Three Brand Antibiotic Prescriptions

$90

$0 for Preventative Exam

$130

$1,679

$220

$118

Total Actual Cost

$1,809

$350

$118

A D D IT I ON A L LY

Balance of LCPS-funded Health Care Spending account is available for additional annual expenses.

(Use LCPS-funded HSA)

Summary

Total Claim Expenses (What you owe) P LUS

Annual Premium EQUA L S

Unused balance rolls over each year and never expires.

$600

remaining in your HSA

This example shows an apple-to-apple comparison of what you can expect to pay for routine services with each medical plan. When you combine your annual premiums with your responsibility for claim expenses, you will see a complete picture of your total out-of-pocket costs. The HDHP with Health Savings Account is the only health plan that gives you funds, provided by LCPS, to use towards your out-of-pocket costs.

Loudoun County Public Schools

POS $20 You pay a flat $20 copayment for the PCP office visit

OAP $20

$150 for Sinus Infection

HDHP $0 You use $150 of your $1,000 LCPS-funded HSA to pay for the PCP office visit. Your balance is $850

You pay a flat $20 copayment for the PCP office visit

POS $20 You pay a flat $20 copayment for the PCP office visit

OAP $20

$150 for Ear Ache

HDHP

EXAMPLE

Here’s How the Expenses Break Down for Employee Only Coverage

$0 You use $150 of your $1,000 LCPS-funded HSA to pay for the PCP office visit. Your balance is $700

You pay a flat $20 copayment for the PCP office visit

POS $90 You pay $30 for each of the three brand formulary prescriptions

OAP $90 You pay $30 for each of the three brand formulary prescriptions

$100 for Antibiotic Prescriptions Three brand name prescriptions on the formulary

HDHP $0 You use $100 of your $1,000 LCPS-funded HSA to pay for the prescriptions. Your balance is $600

POS $0 Preventative exams are FREE

OAP $0 Preventative exams are FREE

$0 for Preventative Exam

HDHP $0 Preventative exams are FREE

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

EXAMPLE

Serious Medical Event Example for Employee Plus Family Coverage

This example assumes a serious medical incident for an employee plus family coverage.

Compare What You Will Pay in Each Plan Serious Incident Example Claim Expenses

POS

OAP

HDHP

$10,000 for Hospital Costs

$300

$1,900

$1,700

$1,000 for MRI

$100

$500 for Prescription Drugs

$90

$100

$500 for Physical Therapy

$200

$50

$590

$2,290

$1,950

$7,939

$4,290

$2,395

$8,529

$6,580

$4,345

Summary

Total Out-of-Pocket (What you owe) P LUS

Annual Premium EQUA L S

Total Actual Cost

This example shows an apple-to-apple comparison of what you can expect to pay, for a serious incident, with each medical plan. When you combine your annual premiums with your responsibility for claim expenses, you will see a complete picture of your total out-of-pocket costs. The HDHP with Health Savings Account is the only health plan that gives you funds, provided by LCPS, to use towards your out-of-pocket costs.

Loudoun County Public Schools

POS $300 You pay $300 to meet your deductible. All remaining charges are paid at 100%

OAP $1,900

$10,000 Hospital Costs

POS You owe $0. The deductible was met as part of your hospital costs

OAP $100

$1,700 You owe $3,000 to meet your deductible. You use your LCPS-funded HSA contribution of $2,000 plus you pay $1,000 out of pocket. Then you pay 10% of the remaining balance ($7,000)

You pay $1,000 to meet your deductible. Then you pay 10% of the remaining balance ($9,000)

HDHP

$1,000 for MRI

HDHP

EXAMPLE

Here’s How the Expenses Break Down for Employee Plus Family Coverage

$100 You pay 10% after your deductible is met. Your deductible was met as part of the hospital costs

You pay 10% after your deductible is met. Your deductible was met as part of your hospital costs

POS $90 You pay $30 for each of three brand formulary Rx

OAP $90 You pay $30 for each of three brand formulary Rx

$500 for Prescription Drugs Three brand name prescriptions on the formulary

HDHP $100 You pay 20% for Brand formulary prescriptions after your deductible is met. Your deductible was met as part of the hospital costs

POS $200 You pay a flat $40 copayment for each specialist visit

OAP $200 You pay a flat $40 copayment for each specialist visit

$500 for Physical Therapy Five visits

HDHP $50 You pay 10% after your deductible is met. Your deductible was met as part of the hospital costs

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

should CRITIC AL ILL consider INSUR NESS ANCE Why y ou

d OAP an POS Plans

If you suffer from a critical illness you may not be able to work for a period of time. Critical Illness Insurance can supplement your income by paying a lump sum amount you can spend however you wish — towards medical expenses, mortgage, child care, car payments, or other expenses.

What is a Critical Illness Policy? A Critical Illness Policy provides a cash benefit when you or a covered dependent are diagnosed with a covered critical illness during your policy coverage period. What are the available coverage levels?

$$$

Coverage is up to $25,000 in $5,000 increments without a medical examination.

Spousal coverage is 50% of the employee coverage level, up to $12,500 without a medical examination.

$$ OPEN ENROLLM ENT

Child(ren) coverage is 25% of the employee coverage level, up to $6,250 without a medical examination.

Are additional benefits paid for more than one covered diagnosis? Yes, benefits are paid for the diagnosis of a subsequent and different covered condition, after a six-month separation period from diagnosis of the 1st covered illness.

Yes, if covered policy holders are under the age of 70.

Employees enrolling in the High Deductible Health Plan will receive a $5,000 Critical Illness policy, paid for by LCPS.

Loudoun County Public Schools

Yes, benefits are paid for recurrence of the same diagnosis, after a 12 month separation period from previous covered illness. Note: Some exclusions and limitations apply with certain diagnosis, such as cancer.

Is the Critical Illness Policy portable?

School

Are recurrence benefits paid for the same condition?

Covered Illnesses and Events Uncontrolled/abnormal growth or spread of invasive malignant cells.

Heart Attack 100% benefit amount

Includes two of the following that cause permanent loss of heart contraction function. 1) Chest pains, 2) EKG changes, 3) Biochemical markers of heart tissue death.

Stroke 100% benefit amount

Cerebrovascular event — for instance, cerebral hemorrhage-confirmed by neuroimaging with neurological deficits lasting 30 days or more.

Kidney Failure 100% benefit amount

Chronic, irreversible. Requires hemo- or peritoneal dialysis.

Major Organ Transplant 100% benefit amount

Includes: liver, lung, pancreas, kidney, or heart. Happens on first hospitalized day for surgery.

Amyotrophic Lateral Sclerosis 100% benefit amount

Also known as Lou Gehrig’s Disease, motor neuron disease resulting in muscular weakness and atrophy.

Paralysis 100% benefit amount

Complete, permanent loss of use of two or more limbs.

Blindness 100% benefit amount

Irreversible sight reduction in both eyes; Best corrected single eye visual acuity less than 20/200 (E-Chart) or 6/60 (Metric or with visual field reduction (both eyes) to 20 degrees or less.

Coronary Artery Disease (Surgery) 25% benefit amount

Heart disease/angina requiring coronary artery bypass surgery, as indicated by angiographic test results.

Carcinoma in Situ 25% benefit amount

Non-invasive malignant tumor.

CRITICAL ILLNESS

Invasive Cancer 100% benefit amount

Note: For additional information on the Critical Illness Policy — visit www.lcps.org, then Employee Benefits, then 2018 Open Enrollment.

This plan can supplement your Short-Term and Long-Term Disability Insurances. All medical examination requirements and pre-existing conditions have been removed, allowing you to easily enroll to provide additional financial security for you and your family at a reasonable cost. This insurance pays a lump sum cash payment if you or a covered dependent are diagnosed with a qualifying critical illness during the policy coverage period. You can enroll in coverage levels between $5,000 and $25,000, without a medical examination or pre-existing clause. You decide how to use your cash payment — towards medical expenses or everyday household expenses. All employees have the option to voluntarily enroll, add dependents or increase coverage levels for a Critical Illness Policy at a cost to you — even if you don’t enroll in our medical plans. Employees enrolling in the High Deductible Health Plan (HDHP) will receive a $5,000 Critical Illness Policy, for the employee only, paid for by LCPS.

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

Bi-Weekly Rates for $5,000 Critical Illness Policy

CRITICAL ILLNESS

Employee

EE + Spouse

EE + Child(ren)

EE + Family

Age

Non-Smoker

Smoker

Non-Smoker

Smoker

Non-Smoker

Smoker

Non-Smoker

Smoker

<25

$0.25

$0.35

$0.42

$0.55

$0.30

$0.37

$0.44

$0.58

2529

$0.32

$0.48

$0.51

$0.76

$0.37

$0.53

$0.55

$0.78

3034

$0.51

$0.83

$0.76

$1.22

$0.55

$0.85

$0.78

$1.27

3539

$0.81

$1.48

$1.18

$2.17

$0.83

$1.50

$1.20

$2.19

4044

$1.08

$2.08

$1.59

$3.07

$1.11

$2.12

$1.62

$3.12

4549

$1.64

$3.32

$2.42

$4.96

$1.68

$3.35

$2.47

$5.01

5054

$2.26

$4.59

$3.55

$7.15

$2.28

$4.64

$3.60

$7.20

5559

$3.05

$6.05

$4.98

$9.76

$3.09

$6.07

$5.03

$9.81

6064

$4.06

$7.64

$6.67

$12.42

$4.11

$7.66

$6.72

$12.44

6569

$5.17

$9.21

$8.33

$14.56

$5.22

$9.25

$8.35

$14.58

7074

$7.52

$12.37

$11.84

$19.48

$7.55

$12.39

$11.88

$19.50

7579

$10.27

$15.00

$15.88

$23.47

$10.32

$15.02

$15.92

$23.49

8084

$12.05

$17.98

$19.15

$28.38

$12.07

$18.00

$19.20

$28.43

8589

$14.77

$18.92

$26.10

$32.31

$14.82

$18.95

$26.12

$32.35

9094

$14.77

$18.92

$26.10

$32.31

$14.82

$18.95

$26.12

$32.35

95+

$14.77

$18.92

$26.10

$32.31

$14.82

$18.95

$26.12

$32.35

Note: Rates are based on employee age as of January 1. Actual per pay rates may differ slightly due to rounding.

To view rates for other coverage levels, visit www.lcps.org, then Employee Benefits, then 2018 Open Enrollment.

20 Loudoun County Public Schools

Bi-Weekly Rates for $25,000 Critical Illness Policy

Employee

EE + Spouse

EE + Child(ren)

EE + Family

Non-Smoker

Smoker

Non-Smoker

Smoker

Non-Smoker

Smoker

Non-Smoker

Smoker

<25

$1.27

$1.73

$2.08

$2.77

$1.50

$1.85

$2.19

$2.88

2529

$1.62

$2.42

$2.54

$3.81

$1.85

$2.65

$2.77

$3.92

3034

$2.54

$4.15

$3.81

$6.12

$2.77

$4.27

$3.92

$6.35

3539

$4.04

$7.38

$5.88

$10.85

$4.15

$7.50

$6.00

$10.96

4044

$5.42

$10.38

$7.96

$15.35

$5.54

$10.62

$8.08

$15.58

4549

$8.19

$16.62

$12.12

$24.81

$8.42

$16.73

$12.35

$25.04

5054

$11.31

$22.96

$17.77

$35.77

$11.42

$23.19

$18.00

$36.00

5559

$15.23

$30.23

$24.92

$48.81

$15.46

$30.35

$25.15

$49.04

6064

$20.31

$38.19

$33.35

$62.08

$20.54

$38.31

$33.58

$62.19

6569

$25.85

$46.04

$41.65

$72.81

$26.08

$46.27

$41.77

$72.92

7074

$37.62

$61.85

$59.19

$97.38

$37.73

$61.96

$59.42

$97.50

7579

$51.35

$75.00

$79.38

$117.35

$51.58

$75.12

$79.62

$117.46

8084

$60.23

$89.88

$95.77

$141.92

$60.35

$90.00

$96.00

$142.15

8589

$73.85

$94.62

$130.50

$161.54

$74.08

$94.73

$130.62

$161.77

9094

$73.85

$94.62

$130.50

$161.54

$74.08

$94.73

$130.62

$161.77

95+

$73.85

$94.62

$130.50

$161.54

$74.08

$94.73

$130.62

$161.77

CRITICAL ILLNESS

Age

Note: Rates are based on employee age as of January 1. Actual per pay rates may differ slightly due to rounding.

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

Why ACCI you s hould DENT consi der AL IN INSUR JURY ANCE

Accidental Injury Insurance can offer additional financial security by paying a cash payment in the event you or a covered dependent suffer from a non-job related accidental injury.

What is an Accidental Injury Policy?

An Accidental Injury Policy provides a cash benefit to you or a covered dependent for a broad range of accident treatments and conditions, based on the approved schedule. This policy is for non-job related injuries.

What are the available coverage levels?

Choose between a low and mid-level plan option (Plan 1 or Plan 2).

Are multiple Benefits paid for the same condition?

If a benefit is payable under two or more benefit types, only one (1) benefit will be paid for the same covered accident, whichever is the greater amount.

Is the Accidental Injury Policy portable?

Yes, if covered policy holders are under the age of 70.

Bi-Weekly Rates for Accidental Injury Coverage

Insurance

Health

HDHP doctors HSA hospital coverage

Low Plan (Plan 1)

Mid-Level Plan (Plan 2)

Employee Only

$2.05

$3.96

Employee + Spouse

$3.51

$6.78

Employee + Child(ren)

$4.55

$8.88

Employee + Family

$6.01

$11.71

Actual per pay rates may differ slightly due to rounding.

SCHOOL

Loudoun County Public Schools

Benefit Types and Coverage Low Plan (Plan 1)

Mid-Level Plan (Plan 2)

Emergency Care Treatment

$100

$200

Physician Office Visit

$50

$100

Diagnostic Exam

$10

$25

Ground/Water Ambulance

$100

$200

Air Ambulance

$300

$600

Hospital Admission

$500

$1,000

Hospital Stay (Max of 365 days)

$100 per day

$200 per day

Intensive Care Unit Stay (Max of 365 days)

$200 per day

$400 per day

Skull

$1,000 (NS) or $2,000 (S)

$2,000 (NS) or $4,000 (S)

Hip or Thigh

$1,000 (NS) or $2,000 (S)

$2,000 (NS) or $4,000 (S)

Shoulder or Collarbone

$500 (NS) or $1,000 (S)

$1,000 (NS) or $2,000 (S)

Hip Joint

$1,000 (NS) or $2,000 (S)

$2,000 (NS) or $4,000 (S)

Knee Joint

$500 (NS) or $1,000 (S)

$1,000 (NS) or $2,000 (S)

Collarbone

$200 (NS) or $400 (S)

$400 (NS) or $800 (S)

Follow-up Physician Visit (up to 10 per accident)

$50

$100

Follow-up Physical Therapy (up to 10 per accident)

$25

$50

Small Burns

$100

$300

Large Burns

$300

$900

Skin Graft

50% of applicable benefit for small/large burns

Small Lacerations

$50

$100

Large Lacerations

$100

$200

Note: Dismemberment or Loss must occur within 365 days of a covered accident.

Complete, permanent loss of use of two or more limbs.

Sight in Both Eyes

$20,000

$30,000

Both Hands or Arms

$20,000

$30,000

Both Feet or Legs

$20,000

$30,000

One Hand, Arm, Leg, Foot, or Eye

$10,000

$15,000

Initial Care and Emergency Care

Hospitalization

Fractures* (NS) Non-Surgical, (S) Surgical

Dislocations*

Enhanced Accident Benefits*

ACCIDENTAL INJURY

Follow-Up Care

Catastrophic Dismemberment Loss*

* For a complete listing â&#x20AC;&#x201D; visit www.lcps.org, then Employee Benefits, then 2018 Open Enrollment

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

should DENTA consid er L & VI S COVE ION RAGE Why y ou

LCPS offers comprehensive dental and vision plans for benefits eligible employees and their eligible dependents. These plans are designed to provide you with a wide range of coverage options and broad provider network to meet the diverse needs of you and your family. Dental coverage is provided through Delta Dental and vision coverage is provided through Davis Vision.

Rates for Dental and Vision Coverage

Dental

Vision

$1.35

$0.62

$0.12

$0.06

$7.51

$3.47

$0.82

$0.38

EE + Spouse

$17.26

$7.97

$1.08

$0.50

EE + Family

$26.44

$12.20

$2.67

$1.23

EE Only

d OAP an S POEE Plans

+ Child

Monthly

Bi-Weekly

Monthly

Bi-Weekly

Note: Costs shown above are for all employees in a full time position, and reflect the 2% rate increase, effective January 1, 2018 Actual per pay rates may differ slightly due to rounding.

$$$

Loudoun County Public Schools

Dental Benefit Types and Coverage Annual Deductible

$50

Limit of 3 per family, per calendar year

Annual Benefit Maximum (Basic & Major Services)

$1,250

Per covered member, per calendar year

Orthodontic Lifetime Maximum

$1,000

Per covered member, per Lifetime

Oral Exams and Cleanings

100% coverage

Twice per calendar year

Fluoride Applications

100% coverage

Twice per calendar year

Full Mouth X-rays

100% coverage

Limited to once in a 5-year period.

Sealants

100% coverage

Permanent molars for dependents under age 19; once per tooth every 5 years.

Fillings (Amalgam/Composite)

80%

Retreatment limited to once per surface in a 24-month period.

Oral Surgery

80%

Simple extractions, impactions

Repairs of Crowns, Bridges, Dentures

80%

Cost limited to 50% of allowance for a new denture or prosthesis

Root Canals

80%

Periodontic Services

80%

4 periodontal cleanings per calendar year.

Prosthodontics/Dentures/Bridges

80%

Once every 5 years

Crowns

80%

Once per tooth every 5 years

Orthodontic Benefits

50%

Lifetime max of $1,000

Preventative (In-Network)

Basic Care (In-Network)

Major Care (In-Network)

Dental benefits are administered by Delta Dental. To locate a participating provider, visit www.deltadentalva.com or call the Delta Dental customer service line at 1-800-237-6060.

Vision Benefit Types and Coverage $15

Annually, including dilation

Eye Glasses (Frames/Lenses)

Frames — allowance up to $110 Lenses — $15

Frames — every 24 months Lenses — annually

Contact Lenses

$15; allowance up to $100

Annually

Vision benefits are administered by Davis Vision. To locate a participating provider, visit www.davisvision.com (Client Code 7025) or call the Davis Vision customer service line at 1-888-235-3130.

2018 Open Enrollment Guide | Enrollment Deadline: Wednesday, November 15

DENTAL & VISION

Eye Examination

Regulatory Notices

Creditable Coverage Notice Are you — or a dependent on your insurance — eligible for Medicare? If so, there are couple things you need to know about your prescription coverage. Medicare prescription drug coverage is available to everyone with Medicare and it provides a standard level of coverage set by Medicare. The LCPS prescription drug plan, through Express Scripts, provides

coverage that exceeds the standard set by Medicare. This is called Creditable Coverage and means you will not pay a penalty if you elect a Medicare drug plan later during a special enrollment period. A link to the full Creditable Coverage disclosure can be found on the Employee Health, Wellness and Benefits homepage under Regulatory Notices.

Health Insurance Plan Documents Summary of Benefits and Coverage (SBC) and Summary Plan Document (SPD) Looking for more detailed information regarding your coverage? Coverage documents can be found on the Employee Health, Wellness and Benefits website under Forms and Publications. The Summary of Benefits and Coverage (SBC) summarizes your coverage and provides practical cost examples. The Summary Plan document (SPD) is the official coverage document that details what is covered, how it is covered, exclusions and limitations. This document takes precedence over any summary information published by LCPS or the insurance providers.

Regulatory Notices Find the following Regulatory Notices by visiting our website www.lcps.org; then Employee Benefits; then Employee, Health, Wellness and Benefits; then Regulatory Notices: Health Insurance Marketplace Notice Consolidated Omnibus Budget Reconciliation Act (COBRA) Genetic Information Nondiscrimination Act (GINA) Health Insurance Portability and Accountability Act (HIPAA) Medicaid and the Children’s Health Insurance Program (CHIP) Mental Health Parity and Addiction Equity Act Newborn’s and Mothers’ Health Protection Act Notice of Creditable Coverage Uniformed Services Employment and Reemployment Rights Act (USERRA) Women’s Health and Cancer Rights Act 403(b) Availability Notice

Loudoun County Public Schools

Special Issue

for LCPS Employees

Wellness Works! Magazine is your monthly resource for information about LCPS benefits, special programs you’ll want to take advantage of, ways to improve or maintain your physical, financial and emotional well-being—and tips and tricks to save money along the way!

IF YOU’RE NOT READING YOU DON’T KNOW WHAT YOU’RE MISSING

Meet four LCPS faculty and staff members from Willow Run Elementary

Bill

Principal

Melissa: I’ve got to hand it to my daughter Cheryl, my oldest. She has asthma, but she’s still hard into soccer. Her asthma, in fact, is one of the reasons I’m moving from last year’s Point of Service Plan to an Open Access Plan. The OAP not only has lower monthly premiums, it also gives us direct access to specialists without a referral. And then there’s coverage for prescriptions, so important with conditions like asthma.

Bill:

My wife Terry is an accountant, so she’s the one who took a first look at our LCPS open enrollment health plan choices. Maybe because we both still wince when we remember Mike’s broken arm last year,

I’m going to learn more about prescription coverage to be sure and also about accidental injury insurance at a workshop October 21 or November 11.

we wanted to make sure we chose a plan that’s right for us and also there for us if any of us gets sick or injured.

Melissa

28 Wellness Works! for LCPS Employees

School Secretary

The High Deductible Health Plan is the one, Terry said. So we left the OAP. Icing on the cake, the HDHP qualifies us for a $2,000 contribution from LCPS in January and allows us to increase our own Health Savings Account contributions to $4,900, the highest ever. Plus, we can give our health savings a chance to grow while we’re not using them by investing them. Terry and I are looking forward to getting some ideas on how to do that at the Health Savings Account Investment workshop October 21, or we might go November 11. You could say we’re really doing our homework on health coverage—doing everything we can for our family’s health.

I mean, accidents can happen to anyone, anytime. There’s also a flexible spending account workshop those same days. Can you believe it? I can use my dependent care account to pay for my Dee’s daycare with pre-tax money. Okay, I’m off. It’s time for us to leave for one of Cheryl’s soccer games now. Really, you should see her play!

Willow Run isn’t a real school. But as you’ll discover in each issue, its Principal Bill, First Grade Teacher Natalie, Head Custodian Huan, and School Secretary Melissa take full advantage of LCPS programs, solutions and savings that ARE real—and might work for you!

Natalie

First Grade Teacher

Huan: I told my wife Kali that the November 11 Realize Retirement Tour event is on a bus. A bus! She didn’t believe me, but then I showed her the tour’s flyer. She laughed, and of course encouraged me to go. You see, I’m retiring next year, so I need to learn as much as I can about retirement benefit options—especially LCPS retiree medical insurance. Here’s what I’ve found out so far: I can use my previous balance plus this year’s contributions to my High Deductible Health Plan’s Health Savings Account during retirement. That’s right.

Natalie: Wow, this has been such a great school year so far. My class is fun and bright, and I’ve been able to keep up with my fantastic after-school workouts, even running. In fact,

I feel SO good, it’s a little hard to focus on health insurance—but I know that now is the time to do it.

I’m sure those savings will come in handy. So, yes, I am going to save up as much as I can in my Health Savings Account this year, and yes, I am going to get on that bus November 11. I don’t want it to take off without me!

Huan

Head Custodian

Actually, I’ve been thinking about enrolling in the High Deductible Health Plan. It has the lowest monthly premiums, and get this: LCPS will contribute $1,000 to my Health Savings Plan just for signing up. So even though that “high deductible” is $1,500, I’ll get the full $1,000 in January to add to my Health Savings Plan, whether I need it or not. A thousand dollars on day one and great coverage the whole year through—that’s what I call starting 2018 off right.

Everything we put into our Health Savings Account we can use after I retire—to pay Medicare premiums and other health care expenses tax-free.

Special Issue 29

Wellness Percentage of Participants with Improvements 59%

Naturally Slim: It’s About Your Health Naturally Slim is about more than just losing pounds. It’s about improving your overall health and reducing your chance of developing a serious, chronic disease. The development of many diseases isn’t random. In fact, there are certain risk factors that are often precursors to these problems. A cluster of these risk factors occurring together is called metabolic syndrome, and it significantly raises your risk for heart disease, diabetes, stroke, and many cancers. The good news is that you can help prevent metabolic syndrome through healthy lifestyle changes. That’s where Naturally Slim comes in. By following the principles taught in Naturally Slim, you can improve your risk factor numbers, combat metabolic syndrome, and dramatically reduce your chance of developing a serious medical condition.

As part of our strategic plan for LCPS staff, we want to focus on cultivating a high-performing team which includes improving your health, providing excellent health care benefits and

64%

56%

62% 37%

Waist Triglycerides Circumference

Fasting Glucose

Blood Pressure

HDL Cholesterol

maintaining affordable costs. To achieve these goals, we encourage you to play an active role in your personal health, how much you spend and how you use the health care services available to you.

By playing an active role in your personal health you can help reduce health care costs because LCPS group health plans are

self-funded. This means LCPS pays the cost of medical, prescription, dental and vision claim expenses for you and your dependents. Your monthly premiums for health care benefits are calculated using the total amount paid in claim expenses the prior year.

LCPS is committed to offering a variety of wellness programs that will encourage you to live a healthier lifestyle. Naturally Slim is one of the

programs we are offering because it can help you to live a healthier lifestyle.

Naturally Slim Results

387 participants

Total weight loss: 3,100 lbs. That’s over one and a half tons!

1 TON 30 Wellness Works! for LCPS Employees

.5 TO N

What participants are saying:

❝ ❝ ❞ ❞ ❝ ❞ ❞

❝

I started this program six weeks ago. I was 185 pounds on a 5 ft., 1 in. frame at 45 years of age and the classic over eater. I am now at 162 pounds. I went from a size 16 to currently a size 12. My goal is 140 pounds which is well within reach. I never thought something that sounded this easy could work.

Switched up my food like NS says, lost ten pounds love it!

In 10 Weeks I lost 15.3 pounds, learned to drink my H2Orange and only eat when I am hungry. Thanks NS for all the great tips.

Though the weight loss has been minimal, I feel more energetic. I am incorporating more exercise and movement activities and sleeping much better. In some of my clothing I have noticed a difference. What I am learning is helping me to become a stronger and healthier person.

You can be diagnosed with metabolic syndrome if you have three or more of the following:

❝ ❝ ❝❞ ❞ ❞ ❝ ❝ ❞ ❞ Down six pounds in three weeks. I don’t feel as if I’m dieting or giving up anything, which makes me focus on food a lot less.

10 pounds in five weeks!

Down 7 lbs in week one, to me, that tells me how much I was overeating, learning skills every day to change how and when I eat!

I am a success! 14.2 down after 10 weeks and I feel great! Actually, I didn’t realize I could feel any better because I always considered myself in good health, a bit overweight yes, but in good health. But this time, I can actually say I FEEL IT! I know I am clearer mentally, more alert at work, and my daughters and boyfriend can’t stop complimenting me and bragging on me. Thank you, NS and my employer.

I have developed new eating habits and managed to lose 20 pounds as well!!

Special Issue 31

Wellness

Eat Wise, Drop a Size With Naturally Slim

Health and wellness is a journey, and we must continuously invest in our health. Our goal at LCPS is to provide you with health promoting resources that help you and your family stay engaged and motivated on your healthy lifestyle journey. We’re excited to offer you Naturally Slim—a weight loss program designed to help you lose weight, look and feel your best, and live a longer and healthier life.

What is Naturally Slim?

Eligibility

Naturally Slim is an online program that helps To be eligible to participate, you must you change how you eat instead of what you meet all of the following criteria: eat. By learning new techniques about how ■■ Be enrolled in an LCPS sponsored and when you should eat, you can continue Cigna health plan. eating your favorite foods while improving your ■■ Complete the application process. health, reducing your chance of developing serious, chronic disease, and losing weight. The ■■ Have a Body Mass Index (BMI) program includes: greater than 25. ■■

■■

Self-paced, online video sessions to teach you the core principles

■■ ■■

Frequent correspondence and guidance from a personal health counselor

■■

An online community to connect with other participants

■■

A dashboard to keep you on track with progress tools and inspiration

Have high-speed Internet access. Accurately self-report initial data on application. Complete pre- and post-biometric screenings. Commit to completing all 10 program sessions.

Ongoing videos available for one year to ensure skill maintenance

Participation is Free! We are excited to offer you Naturally Slim at no cost to you if you complete all 10 online video courses. Participants who complete fewer than 10 as of April 30, 2018 must pay a fee of $167 via personal check.

Apply Space is limited. To apply Today! and learn more, visit

www.naturallyslim.com/LCPS.

Wellness Initiative Coming in January

Key Dates Oct. 16–Dec. 8, 2017: Application period. Visit www.naturallyslim.com/ LCPS to apply. The program is limited to 428 participants.

December 15, 2017: Latest date you’ll receive email notification of your acceptance to Naturally Slim. January 22, 2018: Naturally Slim program begins. April 4, 2018: Naturally Slim program ends.

Any information you provide is confidential and available only to you and Naturally Slim. LCPS will not receive your individual results.

32 Wellness Works! for LCPS Employees

RELATIONSHIP BETWEEN

Your Health and Wellness Did you know that health and wellness could help with disease prevention and health promotion? Overconsumption of food, lack of exercise, smoking and stress account for a large percentage of growing risk factors (like high body mass, high cholesterol, high blood pressure, etc.) that increases your chance of developing heart disease, diabetes, certain cancers and other chronic conditions. Although most employees think of health and wellness as the same, they have two entirely different meanings. Most employees define “Wellness” as health related, but it is more about your attitude towards the way you live. Wellness is defined as a positive approach to living. Becoming the best “You”! You can achieve wellness by avoiding unhealthy practices. For example, do you handle stress by overeating or smoking? Or do you take a walk, yoga or some type of fitness training. Taking a walk, yoga or some type of fitness training is a more positive approach to handle stress. Health is defined as a state of complete physical, mental and social well-being and not merely the absence of disease. Wellness has a direct influence on your overall health. You cannot have one without the other if you want to be healthy and happy. Remember you have control over the choices you make every day. Let us all work on improving health and wellness! Special Issue 33

Not reading Wellness Works! Magazine? Here’s just a sample of what you’re missing Did you know that YOU can help control your health insurance costs? Are you taking advantage of all opportunities to work towards a financially secure retirement? Do you know our latest Champion for Change, what she accomplished and how? Want to learn to cook healthier, find a healthy recipe or learn about purchasing produce, meats or dairy from a local farmer? These are just a few examples that you’ll find each month in the Wellness Works! Magazine. The magazine is delivered to your LCPS email account and will highlight new and timely wellness and benefits topics that can help you on your journey to a healthier and happier you!

Check it out every month to stay on top your wellness, health benefits...and more! 34 Wellness Works! for LCPS Employees

Health

February 2017

How to Decide When to go to an Urgent Care Center Instead of the Emergency Room (ER) If you need medical attention but it’s not too serious or life threating, you may not want to waste your time and money in an ER. An urgent care center provides quality care like an ER but can save you hundreds of dollars. You also get shorter wait times, extended hours and will be seen by an experienced doctor or nurse.

Wellness

Savings

April 2017

Create a Retirement Income Strategy

Passport Reward Program

Earn a reward for successfully completing your health assessment on myCigna.com or myCareAllies.com

You already know it’s important to save for retirement. But as you approach the moment when you need to use those savings, you’ll also need to develop a plan for how you’ll spend the income your savings provides.

April 2017

New Passport Program Revealed: $50 Reward In 2018 we will continue to offer award-winning wellness events and have made it even easier to earn a cash reward. Simply complete the online medical health assessment and include your biometric numbers to earn a $50 reward! No need to complete other tasks or paperwork.

Special Issue 35

Protection

Support

September 2017

Cool Tools Thereâ&#x20AC;&#x2122;s a site to find what you need! Your health insurance provider websites and apps provide you access to information about your benefits and tools and resources to help you manage your coverage. Need your policy number? Want to print a temporary ID card? Want to find the balance or file a claim for your Flexible Spending Account or Health Savings Account? Need to see how a claim was paid and how much you owe? Want to view your VRS benefits or your retirement plan balance or make changes? You can do this and so much more 24 hours a day, 7 days a week though the websites or apps. And want to find fun and helpful tools on the sites, check out the Cool Tool feature for each of the sites.

November 2016

Is There Such a Thing as Too Much Protection? Only you can answer that questionâ&#x20AC;&#x201D;but maybe you could use some help figuring it out. This simple questionnaire will help you think about how much coverage you might need based on your personal situation.

36 Wellness Works! for LCPS Employees

c a l e n d a r

October FRIDAY

Lincoln Financial (403(b)) Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

TUESDAY

Biometric Screening Event 3:30 pm–6:00 pm Stone Hill Middle, Ashburn

WEDNESDAY

ICMA-RC 457 Plan Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

FRIDAY

Lincoln Financial (403(b)) Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

VRS Presents: Are you Ready to Retire 5:00 pm–7:00 pm Administration Building, Ashburn SUNDAY

Benefits Open Enrollment Begins

Lincoln Financial (403(b)) Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

SATURDAY

Open Enrollment Event #1, Flu Shots and Biometric Screenings 10:00 am–2:00 pm Administration Building, Ashburn

FRIDAY

Lincoln Financial (403(b)) Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

SATURDAY

WEDNESDAY

Healthy Cooking Demonstration 5:30 pm–7:00 pm Seneca Ridge, Sterling

FRIDAY

Lincoln Financial (403(b)) Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

WEDNESDAY

ICMA-RC 457 Plan Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

FRIDAY

Lincoln Financial (403(b)) Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

SATURDAY

Open Enrollment Event # 2 Flu Shots and Biometric Screenings 10:00 am–2:00 pm Administration Building, Ashburn

MONDAY

FRIDAY

November

Maternity/Paternity Workshop for VRS Plan 1 & Plan 2 members 9:00 am–11:00 am Administration Building, Ashburn Maternity/Paternity Workshop for VRS Hybrid Plan members 11:30 am–1:30 pm Administration Building, Ashburn

Maternity/Paternity Workshop for VRS Plan 1 & Plan 2 members 5:00 pm–6:30 pm Administration Building, Ashburn

WEDNESDAY

Benefits Open Enrollment Ends All paperwork due

FRIDAY

Lincoln Financial (403(b)) Office Hours 1:00 pm–5:30 pm Administration Building, Ashburn

TUESDAY

Blood Drive 1:30 pm–6:00 pm Administration Building, Ashburn

WEDNESDAY

Biometric Screening Event 3:30 pm–6:00 pm Harmony Middle, Hamilton

Stay Tuned: HDHP with HSA, Rx coverage Webinars coming in October!

Special Issue 37

Champions for Change Wellness Works! Handbook & Passport Program

LCPS Wellness Works! Ecosystem

Free Biometric Screening Racing for Wellness Reimbursements Community Supported Agriculture Reimbursements

Discounts on Gyms, Yoga, Cycle Classes, Strength Training, and more Eat Wise, Drop a Size

Medical Insurance: Cigna Open Access Plus Point of Service High Deductible Health Plan with HSA

Fitness Center Reimbursements Lifestyle Management Programs (Tobacco Cessation, Stress Management, Nutrition)

Free Preventative Care– Medical and Dental

Financial Wellness Workshops BenEvents

Free Flu Shots Dental Insurance: Delta

HEA

Wellness Works!

TIO N

SUPPO

Family and Medical Leave Worker’s Compensation Family Sick Leave Bank Leave Donation Program

PROVIDED BY LCPS Comprehensive Web Page Plan Comparison Tools

Accidental Injury Policy Long Term Care Critical Illness Policy

Dependent Day Care Flexible Spending Account

529 College Savings Plan

Healthcare Flexible Spending Account

457 Retirement Plan 403(b) Retirement Plan Virginia Retirement System Pension Plan

G V IN S

Accidental Death and Dismemberment Insurance

OTE

Life Insurance (Basic and Optional)

Employee Discounts Cigna Heathy Rewards

Disability Insurance

Credit Unions

Prescription Insurance: Express Scripts

LT H

ELLN

Vision Insurance: Davis

Walking Challenges

Open Enrollment Website In-Person Orientation Personalized Enrollment Assistance–Appointments with Benefits Specialists Maternity/Paternity Workshops Wellness Ambassadors

Wellness Works! Magazine

38 Wellness Works! for LCPS Employees

PROVIDED BY OTHERS Cigna 24-Hour Health Info Line

VRS Hybrid Match Health Savings Account

Dedicated Retirement Consultants with Lincoln Financial Group and ICMA-RC Lower Co-Pay Tools Cigna Personal Health Team Cigna Medical Cost Calculator Lincoln Financial Group Retirement Readiness Meetings Express Scripts Support Programs Employee Assistance Program Vendor Apps & Websites Cigna Office Hours

Express Scripts Mail Order Pharmacy

The LCPS Ecosystem is a broad representation of the community of benefit programs and resources available to LCPS employees and their families. These programs support overall physical, emotional and financial wellness and are the focus of the Wellness Works! Magazine.

Contacts Employee Health, Wellness & Benefits 571-252-1810 or lcpshealthwellness@lcps.org Fax: 571-252-1401 Retirement & Disability Programs 571-252-1690 or lcpsretiredisability@lcps.org Fax: 571-252-1699 Payroll 571-252-1260 or lcpspayroll@lcps.org Fax: 571-252-1425

Health Insurance Cigna 800-244-6224 or www.mycigna.com 24 Hour Nurse Information Line: 800-564-8982 Express Scripts Pharmacy 800-886-9672 or www.express-scripts.com Delta Dental 800-237-6060 or www.deltadentalva.com Davis Vision 888-235-3130 or www.davisvision.com

Employee Assistance Program

Retirement Savings Plans

Lytle EAP Partners 800-327-7272 or www.lytleeap.com (password: lcps)

Virginia Retirement System (VRS) 888-827-3847 or www.varetire.org

Disability Insurance Cigna Short Term Disability VRS Plan 1 & 2 Members 800-362-4462 Spanish 866-562-8421 Reed Group Short Term Disability VRS Hybrid Plan Members 877-928-7021

Flexible Spending Accounts Cigna (2017) 800-244-6224 or www.mycigna.com

Credit Unions Apple Federal Credit Union 703-788-4800 or www.applefcu.org Loudoun Credit Union 703-777-4744 or www.loudouncu.com

VRS 457 Deferred Compensation Plan “Defined Contribution Plans” 877-327-5261 or www.varetire.org 403(b) Elective Deferral with Lincoln Financial Group (LFG) 800-234-3500 or www.lfg.com

Life Insurance Minnesota Life (Basic or Optional) 800-441-2258

Long Term Care Programs Virginia Retired Teachers Association 800-543-4287

Worker’s Compensation PMA Claims: 800-476-2669 Prescriptions: 800-945-5951 Claim Mailing Address: PO Box 5231, Janesville, WI 53547-5231

Special Issue 39

You’re Invited:

Open Enrollment Events

Learn more about the benefits offered to LCPS employees in presentations throughout the day.

Free biometrics screenings (by appointment only) 571-252-1810.

October 21 & November 11

Get a free basic vision screening provided by VisionWorks and Davis Vision.

10 am –2 pm Administration Building, Ashburn Presentation Schedule Room 102 A/B

Room 100C

10:00 10:15 10:30 10:45

High Deductible Health Plan with Health Savings Account

BEGINS AT 10:50

Flexible Spending Accounts

11:00 11:15

Health Savings Account Investing

11:30 11:45 12:00 12:15

High Deductible Health Plan with Health Savings Account

12:30 12:45

Health Savings Account Investing

1:00 1:15 1:30 1:45

Express Scripts Prescription

Visit with LCPS vendors and LCPS benefits and payroll staff.

Accidental Injury and Critical Illness Plans

Express Scripts Prescription

Flexible Spending Accounts Accidental Injury and Critical Illness Plans

High Deductible Health Plan with Health Savings Account

2:00

40 Wellness Works! for LCPS Employees

Get your free flu shot.

Express Scripts Prescription

Learn about your VRS retirement benefits at the Realize Retirement Tour Bus. (Nov 11 only)

Enter to win an iPad!