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Summit Christian Academy
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2024 Employee Benefits Human Resources 1500 SW Jefferson | Lee’s Summit MO 64081 Phone: (816) 525-1480 | hr@sca-kc.org sum mit-chr isti a n-ac ademy.org
Benefits Overview •Medical •Dental •Vision •Voluntary Life and AD&D •Flexible Spending Account (FSA)
Medical
Medical Plan 1 PPO $3,000 Deductible
In-Network
Out-of-Network
Individual
$3,000
$3,000
Family
$6,000
$6,000
Member Coinsurance
20%
50%
Individual
$5,000
$10,000
Family
$10,000
$20,000
Primary Care
$40 Copay
Ded. + Coinsurance
Specialist
$40 Copay
Ded. + Coinsurance
Urgent Care
$40 Copay
Ded. + Coinsurance
Ded. + Coinsurance
Ded. + Coinsurance
$15/ $70/ $110/ $200
$15/ $70/ $110/ $200 then 50%
$37.50/ $175/ $275
$37.50/ $175/ $275
Out-of-Pocket Max.
Office Visits
Emergency Room Prescription Drugs Mail Order
Medical Plans 2 & 3 Spira Spira $1,500 Deductible
Spira $3,500
In-Network
Out-of-Network
In-Network
Out-of-Network
Individual
$1,500
Not Covered
$3,500
Not Covered
Family
$3,000
Not Covered
$7,000
Not Covered
0%
Not Covered
0%
Not Covered
Individual
$1,500
Not Covered
$3,500
Not Covered
Family
$3,000
Not Covered
$7,000
Not Covered
$0
Not Covered
$0
Not Covered
Specialist
Deductible
Not Covered
Deductible
Not Covered
Urgent Care
$0
Not Covered
$0
Not Covered
Deductible
Not Covered
Deductible
Not Covered
Member Coinsurance Out of Pocket Max
Office Visits Primary Care
Emergency Room Prescription Drugs
In-network only $15/$50/deductible
Mail order
$15/$125/ deductible
In-network only $15/$50/deductible $15/$125/ deductible
Call 1-866-820-6426 to contact the SmartShopper’s Personal Assistant Team or you can reach a Blue KC customer advocate by calling the number on the back of your ID card.MyBlueKC.com
Virtual Care Telehealth The BlueKC Virtual Care app is available so you can get care whenever from wherever you happen to be for everyday medical issues.
BlueKC Virtual Care Step-by-Step Instructions 1. Download the BlueKC Virtual Care app or visit BLUEKCvirutalcare.com 2. Enroll • Complete your profile by providing the requested information. • Enter your health plan information. • Spira Care plan members should only use the service key SPIRA when registering.
3. Visit • You can access care through Virtual Care for a variety of services with no appointment necessary. • Use Virtual care for treatment for common conditions like sinus pain, nausea, etc. • It’s free to enroll and each visit costs $59 or less, depending on your plan’s Urgent Care Copay • It’s free to enroll and each visit cost the same as your Urgent Care copay.
Employee Cost/Month (Medical)
Employee Cost Per Month PPO $3,000
Spira $1,500
Spira $3,500
Employee Only
$235.43
$226.55
$155.48
Employee + Spouse
$937.30
$919.53
$777.38
Employee + Child(ren)
$867.11
$850.23
$715.19
Family
$1,779.54
$1,751.11
$1,530.56
Flexible Spending Account (FSA)
Flexible Spending Account (FSA) • What is an FSA? • Pre-tax earnings (salary) set aside to pay for eligible healthcare or dependent care
expenses not covered by insurance. • • • • • • • • • • • •
Health FSA Eligible medical, dental/orthodontia, and vision care. $3,050* IRS annual maximum Rollover up to $610 Limited Purpose FSA Eligible dental/orthodontia and vision care only. $3,050* IRS annual maximum Rollover up to $610 Dependent Care FSA Eligible childcare, elder care, or care for a disabled dependent. $5,000 annual maximum $2,500 for a married person filing separately - IRS annual maximum
Dental
Dental Plan 1 Dental Plan 2 Calendar Year Deductible
Dental Plan 1
Employee Monthly Cost
Employee only
$
19.94
Individual
$50
$50
Employee spouse
$
39.54
Family
$150
$150
Employee Child(ren)
$
47.63
Annual Maximum
$1,000
$2,000
Family
$
72.36
Preventive Care
100%
100%
Basic Services
80%
80%
Major Services
50%
50%
Orthodontia
50%
50%
Orthodontia Lifetime Max
$1,000
$1,000
Dental Plan 2
Employee Monthly Cost
Employee only
$
26.12
Employee spouse
$
51.79
Employee Child(ren)
$
62.39
Family
$
94.79
Vision
Vision Benefit Eye Exam - Every 12 months
$10 Co-pay
Frames - Every 24 months
Up to $150
Lenses -Standard
$65 Co-pay
Contact Lenses Once Every 12 months Exam Contacts
Up to $150 $10 Co-pay
Employee Monthly Cost Employee only
$
8.96
Employee spouse
$
19.88
Employee Child(ren)
$
16.20
Family
$
27.12
Voluntary Life and AD&D
Employee
Voluntary Life and AD&D
•
Up to $300,000
•
Evidence of Insurability (EOI) will be required for any coverage during annual open enrollment if you have not previously been enrolled.
•
First $60,000 you can elect without EOI (at time of hire)
•
Annual Increase: $10,000 (up to GI) without EOI
Spouse •
Maximum Benefit: 100% of employee’s benefit up to $300,000
•
Guarantee Issue: $30,000
•
Annual Increase: EOI required for all amounts
Child •
Maximum Benefit: $5,000 to $10,000
Summit Christian Academy 401K Plan Benefit
Summit Christian Academy (SCA) offers a 401K benefit for full-time employees. Details of the plan that affect you as a new employee are: • • • •
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SCA’s 401K plan is through Vanguard and SCA uses Retirement LLC as a 3rd party administrator. New full-time employees are eligible to participate in the 401K plan after completing one year of eligibility service and 1,000 hours of service. Employees must be at least 21 years of age. Federal law limits the amount you may elect to defer under the Plan ($22,500 in 2023). However, if you are age 50 or over, you may defer an additional amount up to $7,500 (in 2023). These dollar limits are indexed; therefore, they may increase each year for cost-of-living adjustments. You may elect to defer up to 100% of your Plan Compensation on a pre-tax basis. You may also elect to make Roth contributions to the Plan on an after-tax basis. You may elect to change your elections to contribute to the Plan monthly as of the first day of any calendar month. SCA matches 100% of the 1st 3% an employee contributes and 50% of the next 2%. Matching contributions will be allocated to the Safe Harbor Matching Contribution Accounts of Participants as soon as administratively feasible after the end of each pay period. You will have a fully vested and nonforfeitable interest in your Elective Deferral Account, Rollover Contribution Account, Qualified Non-Elective Contribution Account and Safe Harbor Matching Contribution Account. Employees will receive more detailed information on the plan approximately 30 days before their oneyear anniversary.
Summit Christian Academy 2024 Employee Benefits SCA admits students of any race, color and national or ethnic origin.