OTHER EMPLOYEE BENEFITS

● Iowa Public Employer Retirement System (IPERS)

○ All regular (ongoing) employees of the Forest City Schools are eligible for IPERS and often substitute employees as well once they “qualify”.

○ Contribution Rates: Employee Share = 6.29%, Employer Share = 9.44%

● Cafeteria Plan (Flex Medical Account)

○ Enrollment into Cafeteria Plan is in August each year.

● Employee Assistance Program (EAP)

○ Call for confidential access to a Licensed Professional Counselor who can help you with:

• Stress, depression, anxiety

• Relationship issues, divorce

• Job stress, work conflicts

• Family and parenting problems

• Anger, grief and loss

• And more . You can also reach out to a specialist for help with balancing work and life issues.

WHAT IS A DEDUCTIBLE?

● A specified amount of money that the insured must pay before an insurance company will pay a claim. Once you meet the deductible, then coinsurance applies until you meet the out of pocket limit.

PSF Plan = $500 (Wellmark = $5,000, Advantage pays to $500)

PSF $2500 HDHP = $2,500 (Wellmark = $5,000, Advantage pays to $2,500)

$5000 HDHP = $5,000

● On PSF Plan, if you go to the hospital, they can only see/verify the Wellmark amount ($5,000) and may ask you to make a down payment. You can call Advantage Administrators to help as they recommend you do NOT make a down payment.

ARE THERE SERVICES COVERED BEFORE YOU MEET YOUR DEDUCTIBLE?

A copayment or coinsurance may apply instead on $500 PSF (not HDHP)

● Well-Child Care

● Telehealth Services (Doctor-on-Demand)

● Office Services/Outpatient Services

● Urgent Care

● Preventative Care (routine vision exam, colonoscopy, mammogram, etc)

● Drug Card = $50 per person deductible, then tier pay applies for Rx (per calendar year)