2024 Benefits Overview

hello my name is Rebecca fiser I am the employee Wellness coordinator for Liberty Public Schools this is going to be our benefits information session and uh it will go over some of the things for open enrollment this includes evision Insurance Dental insurance and health insurance um we'll also talk about our voluntary insurance plans that we have available to you as well as our decision-making tool called Alex everybody's used it in the past um it used to be called pick and then we'll go over open enrollment so one of the big changes for our vision insurance is that we are switching vendors starting on January 1st 2024 and currently we are using metti starting in January this will move over to vssp the good thing is that MetLife currently already utilizes the vssp network so there really should not be um any disruption to the network or or providers as well we will still offer a 100% paid for option for employee only coverage this is going to be on our base plan and then if you're somebody that needs both contacts and glasses or maybe you might have some contacts that are more expensive we also offer that buy up plan this is the one that you will incur costs um and pay pay for if um you choose this plan it covers both contacts up to $999.99 as well as glasses every year America's best no longer will be a network for 2024 um there weren't very many individuals that were utilizing that so there's not much of a disruption on that part and then you will not receive an insurance card for your vision insurance just like you currently don't for metti this document is on the benefits guide as well as all over inside HR if you wanted to look at it more in depth but it just covers the difference in these plans um both of them on the base and the buy up have the same co-pay for your eye exams where you're really going to see the difference is the co- pays for your eyeglasses and frames and then for the contacts again if you're somebody that needs additional coverage for your contacts or have more expensive ones or if you want both contacts and glasses that buy at plan is going to get you what you need even though we are underneath the same vssp Network like MetLife was using we do encourage you to go out there and look to make sure your provider is in network another thing that I would highly encourage is looking to see if your provider is in the VSP Premier Edge Network as well and what this does is that it just gives you more money more discounts as well as um more warranties for like your contacts or your glasses and things like that again this website is on inside HR as well as in the benefit guide so you will be able to uh get this information there as well we're going to move on to our dental insurance and we do have a new vendor for our dental insurance starting in 2024 as well we current currently utilize siga as our vendor and this is going to be moving to sunlife U just like our vision plan we still have that 100% paid for base plan for employee only cover and then we still have the buy up plan this is one that you pay extra for if you choose for this um the thing with the uh buy it plan is that there is the ortho um lifetime Max on there the $1,000 that's given for dependence currently with Signa this goes only to those under the age of 19 however when we move to sunlife this is going to increase so this is an added benefit for you and the age increases to age 26 so if you have dependents that are under the age of 26 and need Ortho coverage this would be a plan that you might want to look into I do want to note that um if you are somebody that currently already utilizes orthocare and are on the sigma insurance and have been using that Ortho coverage you do not get an additional thousand on the sunlife plan um what Signa will do is that they will actually reach out to sunlife and say hey we this person has already used $500 underneath Sigma so when that gets transferred over sunlight will only allow you to use 500 as well this plan um document here is on inside HR as well as the benefit guide and it just compares the two plans side by side um the first difference that you see is that on the base plan you do have a $25 deductible while on the buy up plan you do not have a deductible at all everything else is exactly the same until you get to the ortho coverage and the base plan does not have ortho but the buy it plan does it has that lifetime Max of $1,000 and then the next difference is the has to do with the max benefits so as you can see they range from on the base plan a th000 to $2,000 and then on the buy it plan it's from ,500 to$ 2750 the reason why there is a range in those numbers is because both of these plans have a wellness writer attached to it so if you go in and get your uh routine exams done get your cleanings done they will give you an additional amount for the following year to use towards your benefits all right just like with our our vision I would highly encourage you to make sure that your provider is in network we did go out and they made sure that almost all of them or there was very little disruption but as with anything doctors can pull in and out of network at any moment so I would recommend you going to the sunlife website and look to see if your dentist is in in network you will want to make sure that you choose the sunlife dental network when looking at the network piece all right we're going to move right into our health insurance we still have five insurance plans that we offer for LPS we have our 0er 500500 doar deductibles just like usual you will see a change in the next two so um our $2,200 deductible for 2023 the current year it is a $2,000 $2,000 deductible so that has increased to$ 2,200 and then the next change has to do with our high deductible plan for 2023 that is a $3,000 a $3,000 dedu however the IRS has some new rules and guidelines and in order for a plan to be considered a high deductible the minimum amount must be 3,200 so the deductible for the high deductible starting in 2024 will be $3,200 um we still will offer two free plans for employee only coverage and that includes the high deductible plan as well as the $2,200 deductible plan both include spare and are both 100% paid for by the district for employee only coverage if you do choose to be on that high deductible plan the district will also be giving you money into a health savings account which is an HSA and that you can use that for your medical dental vision um it could be used for you or anybody in your household you can use it on them and the district will be giving you $1,220 188 this is is split out over the course of your paychecks so you do not get a lump sum right at the beginning of the year that will be divided out and it's about a hundred and some dollars every single month um for you all right over the next couple of pages they're going to look very similar to this and what I made sure to do was highlight the sections that are changing so this very first line on this thing it shows the employee only monthly premium so if you are somebody that gets paid twice a month this is going to be broken in half to accommodate that if you are one of our 18 pay individuals where you don't work during the summer your number is going to be a little bit different but this is the monthly amount that you would be expecting to pay as you can see the first changes is going to be on those premiums on the $0 $500 and $1,500 deductibles so the premiums have increased slightly we've already talked about the changes in the deductibles for the 2200 and the high deductible so both of those are increasing $200 compared to this year the next change is going to be with your primary care physician So currently in 20123 the uh office visits are $25 starting January 1st of 2024 that is increasing to $35 the next changes that you will see has to do with your specialist visit as well as Urgent Care both of those currently are $50 and those will increase to $50 to $70 excuse me I do like to highlight that Liberty Hospital Urgent Care on the 0500 and $1,500 plans does give you a discount for being an LPS employee if you use the Liberty Hospital Urgent Care so you will only be paying $40 compared to the $70 if you went to an Urgent Care outside of the Liberty Hospital hospital all right this slide really doesn't have anything to change but I do encourage and remind people about this every single year we get calls from somebody actually multiple people every year that are on the Z deductible because they think that they they want to have the best plan that's going to cover everything in case something were to happen however if you are on that $0 deductible and you have to go into the hospital or possibly have to have outp outpatient surgery such as a knee replacement a hip replacement things in that nature it is a $500 co-pay per day so if you're in the hospital for three days that's $1500 there is a cap on that of $2500 per year okay and the last slide on this section has to do with our prescription plans so as you you can see there's a lot of red on this page um I'm going to go through each one of them starting with short-term retail so these are things that you're only getting a month supply at a time um so think about like your antibiotic your scheduled medications such as Aderall or things of that nature where you can only get 30 days at a at a time these are the ones you're going to get at CVS Walgreens Walmart um so these are increasing slightly so it's going to be a slight increase it goes to $15 $50.75 depending on the tier and then the next two have to do with your long long-term medication so think of things that you're getting three months at a time this is going to be your um like your glucose your um blood your blood pressure cholesterol those types of things that you're able to get multiple months at a time for that um the long-term retail again is going to be your CVS your Walgreens and your Walmarts um if you're getting it filled there you're going to have a slight increase as well it's going to be $30 100 or $150 um but I do highly encourage you if those are what you're getting like your maintenance medication if you're getting them filled at Walmart or Walgreens or any of those locations you will be assessed an additional $20 co-pay on top of those original co-pays because maintenance medications should be filled through um the prescription mail order and that is the next one um so this is through optim RX it has the same co-pays as the long-term retail but you're just not assessed the additional $20 on top okay so spy Care Centers this is available to two of our plans it's the $2,200 plan as well as our high deductible plan so spare centers are um serviced just by Blue Cross Blue Cross owns them they run them and it can be used just like a primary care doctor's office um you can use it for sick care it is not an urgent care so you do have to have an appointment in order to go there but you most likely are able to call and get same day or next day appointments if you were somebody that um utilizes counselors a lot both of these plans have the behavioral health consultants um built into it so you would be able to go to them and get it everything done in one building um if you needed an x-ray you would be able to go there the Liberty location does not have an x-ray machine but a lot of the other locations do so what you would do is you would call in to their call center they kind of ask what's going on and make sure that you get to a location that does have an x-ray machine um from experience I do know that Tiffany Springs location so that's Zone orosa does have an x-ray machine so does independence and I believe Crossroads does as well all right so we're just going to go over a couple different scenarios so we can make sure that um you kind of know how each of the plans work and to make sure you kind of know what the changes are so this first scenario here has to do with Behavioral healthc Care visit so Dave he's enrolled in the $2,200 deductible plan that has access to spare he has been dealing with a lot of stress over the past year Dave would like to meet with a counselor to address his stress he calls spare to make an appointment with a behavioral health consultant how much would Dave expect to pay for his spare visit would it be0 50 $60 or you're not sure because you have to meet the deductible first the correct answer to this would be 0 this is because Dave is on the $2,200 plan so anything that he gets done inside of spare would be completely free this includes those counseling sessions since that's what he's going for now if he were to go outside of spare he would have that additional cost so it would be the last one where you're not sure cuz he would have to meet his deductible first all right the second scenario has to do with Mary and the dermatologist so Mary is enrolled in the $500 deductible plan she has a mole that she is concerned about she makes an appointment with a dermatologist to get a check how much would Mary expect to pay for her visit would it be 20 $5 $50 $60 or $70 the correct answer for 2024 would be $70 currently in 2023 um this would be $50 because it's considered a specialist visit but starting on January 1st the U specialist visits are increasing to $70 all right so let's move on to Kathy this is our third one and is for a primary care visit so Kathy is enrolled in the $1,500 deductible plan she has a sore throat she makes an appointment with her primary care physician how much would Cathy expect to pay for her doctor's visit is it Zer $25 $35 $60 or $70 the correct answer for this one would be $35 so Kathy is just going to her primary care physician so starting on January 1st 2024 she will be paying $35 for her primary care physician all right so now poor Kathy um she's getting she's prescribed an antibiotic for her sore throat this is a tier one prescription so how much would it would Kathy expect to pay for her prescription when she goes and picks it up would it be $12 $15 $30 or $50 the correct answer is $15 so starting in January we do have an increase to our tier one medications so it is going to be $15 compared to the $12 that you currently pay now all right so this is our last scenario so this is Joe um he is going to get an x-ray at spare so Joe is currently enrolled in the high deductible health plan with spare and an HSA he was playing basketball and hurt his ankle since he has access to spare he called their call center to see which location has an x-ray machine uh they told them that Tiffany Springs does and that they would be able to get him in tomorrow he goes to the appointment gets an x-ray and finds out his ankle is broken they put him in a boot they also set him up with an appointment to visit an orthopedic specialist how much can Joe expect to pay for the spare visit is it0 $60 $70 or you're not sure because he has to meet the deductible first the correct answer is $60 because Joe is on the high deductible Health Plan um with the spare in HSA he can get everything done inside that spare visit for $60 this includes the doctor's appointment the um the X-ray as well as the boot however they did set him up with an appointment with an orthopedic specialist so when he goes to that Orthopedic Specialist appointment he will have to pay his deductible first on that before um it's covered in full right so we're going to move on to our voluntary insurance we currently have these plans through Voya um these are switching to the standard and the standard is our provider for our short-term and long-term um plans that we have so these are our accident critical illness and Hospital Indemnity plans so what these plans are everybody's very well aware you've seen the commercials about Affleck it's the exact same thing just underneath a different company so accident insurance covers you if something were to happen um it's it pays you like if you had to go to the emergency room if you needed to get stitches so myself my son has used this multiple times um last year he fell off of a trampoline and we ended up in the emergency room and needed stitches um for a cut on his head so immediately we got $200 for that and then we got about $75 for those stitches that we got as well and then we got additional money for that follow-up appointment so it pays you and you can do whatever you want with that money um you can pay your hospital bill your doctor's bills you can go have a nice dinner whatever you want it just pays you to have this additional coverage your critical illness is going to be like your um cancer your stroke your heart stuff and it just pays a lump some this is dependent on your age and and what type of coverage whether it's a 10,000 or $220,000 option and then we also have our Hospital Indemnity plan so the hospital Indemnity plan it covers you if uh you had a hospital stay or Critical Care Unit stay um we highly recommend this for you or your spouse if they are going to be getting pregnant or having a baby next year uh the reason why we recommend this is because it's $11.74 a month but it pays so much more just to have it so a typical average stay if you're going to have a baby in the hospital is about three days so just that first day being admitted into the hospital is $1,500 on day two and day three you would to get an additional $100 for a total of 1,700 so you can do whatever you want with this money pay for your hospital bill whatever um and they will just cut you the check each one of these plans has a wellness benefit Rider on it so um starting in in January this will be $50 for any person insured on the plan right now it's a little bit different with Boya it's $50 for adults and $20 $25 for the kids um but on the hospital andity I did want to go back and say that the key word on this one is admitted so if you were thinking about having surgery next year it need you need to make sure that it's one that you're going to be admitted into the hospital if you want to have this plan if you're going in for like a um knee uh replacement or hip replacement those are all typically done outpatient now so you wouldn't be admitted into the hospital and you would not get any benefit for this but back to the wellness benefit if you complete that go in for either your wellness exam a vision exam or dental exam each one of those you can just do one and submit for each one of these planes that you are um enrolled in and they would give you an additional $50 check on top of it all right so we're going to move on to Alex this is our decision-making tool we've had this for years uh pwell did get bought out so they have rebranded it and renamed it as Alex what Alex is is just a decision Mak making tool it's on the web you'll be able to go in there and put in all of your demographics and all of your information um and it will help you determine based off of everything that you put in what plan is best for you um you can put in um who's going to be covered what medication you're going to be on um what where you live whether you would rather pay more in your premiums or more at the time of service to determine which plan might be best and you can do that by either visiting the website or scanning the QR code this is also in all of the communication pieces that have gone out or will go out uh about open enrollment so you'd be able to see it there as well all right so benefit open enrollment so open enrollment begins Wednesday October 25th through Tuesday November 7th on the morning of October 25th everybody will be receiving an email with instructions on how to get in and enroll yourself you have two options on how you can do this you can either enroll yourself uh with our brand new enrollment system um and the the email that you receive will have your username and password information of what you need to put in and order to access that site you'll be able to go in and uh do it either the um through the computer or it's also mobile friendly so you'd be able to quickly get it done on your phone too if you're somebody that doesn't like the technology piece of it you're also able to talk with our benefit counselors over the phone and they would be able to get you enrolled as well that email that comes out on the 25th will have the um the hours of operation as well as the phone number that you can call to um to contact those counselors that's everything about our open enrollment you'll have the benefit guide and all of our emails it's also in um inside HR that you can access that but if you have any questions please reach out to Julie Charles our HR benefit specialist my myself Rebecca Fischer the wellness coordinator or if need be you can also contact christelle Morgan um our executive director of HR all of our contact information is down there we also have our benefits email up on top all three of us watch that email so we'll be able to access it and get back to you as soon as possible again thank you for watching this presentation and if you have any questions please reach out

hello my name is Rebecca fiser I am the employee Wellness coordinator for Liberty Public Schools this is going to be our benefits information session and uh it will go over some of the things for open enrollment this includes evision Insurance Dental insurance and health insurance um we&#39;ll also talk about our voluntary insurance plans that we have available to you as well as our decision-making tool called Alex everybody&#39;s used it in the past um it used to be called pick and then we&#39;ll go over open enrollment so one of the big changes for our vision insurance is that we are switching vendors starting on January 1st 2024 and currently we are using metti starting in January this will move over to vssp the good thing is that MetLife currently already utilizes the vssp network so there really should not be um any disruption to the network or or providers as well we will still offer a 100% paid for option for employee only coverage this is going to be on our base plan and then if you&#39;re somebody that needs both contacts and glasses or maybe you might have some contacts that are more expensive we also offer that buy up plan this is the one that you will incur costs um and pay pay for if um you choose this plan it covers both contacts up to $999.99 as well as glasses every year America&#39;s best no longer will be a network for 2024 um there weren&#39;t very many individuals that were utilizing that so there&#39;s not much of a disruption on that part and then you will not receive an insurance card for your vision insurance just like you currently don&#39;t for metti this document is on the benefits guide as well as all over inside HR if you wanted to look at it more in depth but it just covers the difference in these plans um both of them on the base and the buy up have the same co-pay for your eye exams where you&#39;re really going to see the difference is the co- pays for your eyeglasses and frames and then for the contacts again if you&#39;re somebody that needs additional coverage for your contacts or have more expensive ones or if you want both contacts and glasses that buy at plan is going to get you what you need even though we are underneath the same vssp Network like MetLife was using we do encourage you to go out there and look to make sure your provider is in network another thing that I would highly encourage is looking to see if your provider is in the VSP Premier Edge Network as well and what this does is that it just gives you more money more discounts as well as um more warranties for like your contacts or your glasses and things like that again this website is on inside HR as well as in the benefit guide so you will be able to uh get this information there as well we&#39;re going to move on to our dental insurance and we do have a new vendor for our dental insurance starting in 2024 as well we current currently utilize siga as our vendor and this is going to be moving to sunlife U just like our vision plan we still have that 100% paid for base plan for employee only cover and then we still have the buy up plan this is one that you pay extra for if you choose for this um the thing with the uh buy it plan is that there is the ortho um lifetime Max on there the $1,000 that&#39;s given for dependence currently with Signa this goes only to those under the age of 19 however when we move to sunlife this is going to increase so this is an added benefit for you and the age increases to age 26 so if you have dependents that are under the age of 26 and need Ortho coverage this would be a plan that you might want to look into I do want to note that um if you are somebody that currently already utilizes orthocare and are on the sigma insurance and have been using that Ortho coverage you do not get an additional thousand on the sunlife plan um what Signa will do is that they will actually reach out to sunlife and say hey we this person has already used $500 underneath Sigma so when that gets transferred over sunlight will only allow you to use 500 as well this plan um document here is on inside HR as well as the benefit guide and it just compares the two plans side by side um the first difference that you see is that on the base plan you do have a $25 deductible while on the buy up plan you do not have a deductible at all everything else is exactly the same until you get to the ortho coverage and the base plan does not have ortho but the buy it plan does it has that lifetime Max of $1,000 and then the next difference is the has to do with the max benefits so as you can see they range from on the base plan a th000 to $2,000 and then on the buy it plan it&#39;s from ,500 to$ 2750 the reason why there is a range in those numbers is because both of these plans have a wellness writer attached to it so if you go in and get your uh routine exams done get your cleanings done they will give you an additional amount for the following year to use towards your benefits all right just like with our our vision I would highly encourage you to make sure that your provider is in network we did go out and they made sure that almost all of them or there was very little disruption but as with anything doctors can pull in and out of network at any moment so I would recommend you going to the sunlife website and look to see if your dentist is in in network you will want to make sure that you choose the sunlife dental network when looking at the network piece all right we&#39;re going to move right into our health insurance we still have five insurance plans that we offer for LPS we have our 0er 500500 doar deductibles just like usual you will see a change in the next two so um our $2,200 deductible for 2023 the current year it is a $2,000 $2,000 deductible so that has increased to$ 2,200 and then the next change has to do with our high deductible plan for 2023 that is a $3,000 a $3,000 dedu however the IRS has some new rules and guidelines and in order for a plan to be considered a high deductible the minimum amount must be 3,200 so the deductible for the high deductible starting in 2024 will be $3,200 um we still will offer two free plans for employee only coverage and that includes the high deductible plan as well as the $2,200 deductible plan both include spare and are both 100% paid for by the district for employee only coverage if you do choose to be on that high deductible plan the district will also be giving you money into a health savings account which is an HSA and that you can use that for your medical dental vision um it could be used for you or anybody in your household you can use it on them and the district will be giving you $1,220 188 this is is split out over the course of your paychecks so you do not get a lump sum right at the beginning of the year that will be divided out and it&#39;s about a hundred and some dollars every single month um for you all right over the next couple of pages they&#39;re going to look very similar to this and what I made sure to do was highlight the sections that are changing so this very first line on this thing it shows the employee only monthly premium so if you are somebody that gets paid twice a month this is going to be broken in half to accommodate that if you are one of our 18 pay individuals where you don&#39;t work during the summer your number is going to be a little bit different but this is the monthly amount that you would be expecting to pay as you can see the first changes is going to be on those premiums on the $0 $500 and $1,500 deductibles so the premiums have increased slightly we&#39;ve already talked about the changes in the deductibles for the 2200 and the high deductible so both of those are increasing $200 compared to this year the next change is going to be with your primary care physician So currently in 20123 the uh office visits are $25 starting January 1st of 2024 that is increasing to $35 the next changes that you will see has to do with your specialist visit as well as Urgent Care both of those currently are $50 and those will increase to $50 to $70 excuse me I do like to highlight that Liberty Hospital Urgent Care on the 0500 and $1,500 plans does give you a discount for being an LPS employee if you use the Liberty Hospital Urgent Care so you will only be paying $40 compared to the $70 if you went to an Urgent Care outside of the Liberty Hospital hospital all right this slide really doesn&#39;t have anything to change but I do encourage and remind people about this every single year we get calls from somebody actually multiple people every year that are on the Z deductible because they think that they they want to have the best plan that&#39;s going to cover everything in case something were to happen however if you are on that $0 deductible and you have to go into the hospital or possibly have to have outp outpatient surgery such as a knee replacement a hip replacement things in that nature it is a $500 co-pay per day so if you&#39;re in the hospital for three days that&#39;s $1500 there is a cap on that of $2500 per year okay and the last slide on this section has to do with our prescription plans so as you you can see there&#39;s a lot of red on this page um I&#39;m going to go through each one of them starting with short-term retail so these are things that you&#39;re only getting a month supply at a time um so think about like your antibiotic your scheduled medications such as Aderall or things of that nature where you can only get 30 days at a at a time these are the ones you&#39;re going to get at CVS Walgreens Walmart um so these are increasing slightly so it&#39;s going to be a slight increase it goes to $15 $50.75 depending on the tier and then the next two have to do with your long long-term medication so think of things that you&#39;re getting three months at a time this is going to be your um like your glucose your um blood your blood pressure cholesterol those types of things that you&#39;re able to get multiple months at a time for that um the long-term retail again is going to be your CVS your Walgreens and your Walmarts um if you&#39;re getting it filled there you&#39;re going to have a slight increase as well it&#39;s going to be $30 100 or $150 um but I do highly encourage you if those are what you&#39;re getting like your maintenance medication if you&#39;re getting them filled at Walmart or Walgreens or any of those locations you will be assessed an additional $20 co-pay on top of those original co-pays because maintenance medications should be filled through um the prescription mail order and that is the next one um so this is through optim RX it has the same co-pays as the long-term retail but you&#39;re just not assessed the additional $20 on top okay so spy Care Centers this is available to two of our plans it&#39;s the $2,200 plan as well as our high deductible plan so spare centers are um serviced just by Blue Cross Blue Cross owns them they run them and it can be used just like a primary care doctor&#39;s office um you can use it for sick care it is not an urgent care so you do have to have an appointment in order to go there but you most likely are able to call and get same day or next day appointments if you were somebody that um utilizes counselors a lot both of these plans have the behavioral health consultants um built into it so you would be able to go to them and get it everything done in one building um if you needed an x-ray you would be able to go there the Liberty location does not have an x-ray machine but a lot of the other locations do so what you would do is you would call in to their call center they kind of ask what&#39;s going on and make sure that you get to a location that does have an x-ray machine um from experience I do know that Tiffany Springs location so that&#39;s Zone orosa does have an x-ray machine so does independence and I believe Crossroads does as well all right so we&#39;re just going to go over a couple different scenarios so we can make sure that um you kind of know how each of the plans work and to make sure you kind of know what the changes are so this first scenario here has to do with Behavioral healthc Care visit so Dave he&#39;s enrolled in the $2,200 deductible plan that has access to spare he has been dealing with a lot of stress over the past year Dave would like to meet with a counselor to address his stress he calls spare to make an appointment with a behavioral health consultant how much would Dave expect to pay for his spare visit would it be0 50 $60 or you&#39;re not sure because you have to meet the deductible first the correct answer to this would be 0 this is because Dave is on the $2,200 plan so anything that he gets done inside of spare would be completely free this includes those counseling sessions since that&#39;s what he&#39;s going for now if he were to go outside of spare he would have that additional cost so it would be the last one where you&#39;re not sure cuz he would have to meet his deductible first all right the second scenario has to do with Mary and the dermatologist so Mary is enrolled in the $500 deductible plan she has a mole that she is concerned about she makes an appointment with a dermatologist to get a check how much would Mary expect to pay for her visit would it be 20 $5 $50 $60 or $70 the correct answer for 2024 would be $70 currently in 2023 um this would be $50 because it&#39;s considered a specialist visit but starting on January 1st the U specialist visits are increasing to $70 all right so let&#39;s move on to Kathy this is our third one and is for a primary care visit so Kathy is enrolled in the $1,500 deductible plan she has a sore throat she makes an appointment with her primary care physician how much would Cathy expect to pay for her doctor&#39;s visit is it Zer $25 $35 $60 or $70 the correct answer for this one would be $35 so Kathy is just going to her primary care physician so starting on January 1st 2024 she will be paying $35 for her primary care physician all right so now poor Kathy um she&#39;s getting she&#39;s prescribed an antibiotic for her sore throat this is a tier one prescription so how much would it would Kathy expect to pay for her prescription when she goes and picks it up would it be $12 $15 $30 or $50 the correct answer is $15 so starting in January we do have an increase to our tier one medications so it is going to be $15 compared to the $12 that you currently pay now all right so this is our last scenario so this is Joe um he is going to get an x-ray at spare so Joe is currently enrolled in the high deductible health plan with spare and an HSA he was playing basketball and hurt his ankle since he has access to spare he called their call center to see which location has an x-ray machine uh they told them that Tiffany Springs does and that they would be able to get him in tomorrow he goes to the appointment gets an x-ray and finds out his ankle is broken they put him in a boot they also set him up with an appointment to visit an orthopedic specialist how much can Joe expect to pay for the spare visit is it0 $60 $70 or you&#39;re not sure because he has to meet the deductible first the correct answer is $60 because Joe is on the high deductible Health Plan um with the spare in HSA he can get everything done inside that spare visit for $60 this includes the doctor&#39;s appointment the um the X-ray as well as the boot however they did set him up with an appointment with an orthopedic specialist so when he goes to that Orthopedic Specialist appointment he will have to pay his deductible first on that before um it&#39;s covered in full right so we&#39;re going to move on to our voluntary insurance we currently have these plans through Voya um these are switching to the standard and the standard is our provider for our short-term and long-term um plans that we have so these are our accident critical illness and Hospital Indemnity plans so what these plans are everybody&#39;s very well aware you&#39;ve seen the commercials about Affleck it&#39;s the exact same thing just underneath a different company so accident insurance covers you if something were to happen um it&#39;s it pays you like if you had to go to the emergency room if you needed to get stitches so myself my son has used this multiple times um last year he fell off of a trampoline and we ended up in the emergency room and needed stitches um for a cut on his head so immediately we got $200 for that and then we got about $75 for those stitches that we got as well and then we got additional money for that follow-up appointment so it pays you and you can do whatever you want with that money um you can pay your hospital bill your doctor&#39;s bills you can go have a nice dinner whatever you want it just pays you to have this additional coverage your critical illness is going to be like your um cancer your stroke your heart stuff and it just pays a lump some this is dependent on your age and and what type of coverage whether it&#39;s a 10,000 or $220,000 option and then we also have our Hospital Indemnity plan so the hospital Indemnity plan it covers you if uh you had a hospital stay or Critical Care Unit stay um we highly recommend this for you or your spouse if they are going to be getting pregnant or having a baby next year uh the reason why we recommend this is because it&#39;s $11.74 a month but it pays so much more just to have it so a typical average stay if you&#39;re going to have a baby in the hospital is about three days so just that first day being admitted into the hospital is $1,500 on day two and day three you would to get an additional $100 for a total of 1,700 so you can do whatever you want with this money pay for your hospital bill whatever um and they will just cut you the check each one of these plans has a wellness benefit Rider on it so um starting in in January this will be $50 for any person insured on the plan right now it&#39;s a little bit different with Boya it&#39;s $50 for adults and $20 $25 for the kids um but on the hospital andity I did want to go back and say that the key word on this one is admitted so if you were thinking about having surgery next year it need you need to make sure that it&#39;s one that you&#39;re going to be admitted into the hospital if you want to have this plan if you&#39;re going in for like a um knee uh replacement or hip replacement those are all typically done outpatient now so you wouldn&#39;t be admitted into the hospital and you would not get any benefit for this but back to the wellness benefit if you complete that go in for either your wellness exam a vision exam or dental exam each one of those you can just do one and submit for each one of these planes that you are um enrolled in and they would give you an additional $50 check on top of it all right so we&#39;re going to move on to Alex this is our decision-making tool we&#39;ve had this for years uh pwell did get bought out so they have rebranded it and renamed it as Alex what Alex is is just a decision Mak making tool it&#39;s on the web you&#39;ll be able to go in there and put in all of your demographics and all of your information um and it will help you determine based off of everything that you put in what plan is best for you um you can put in um who&#39;s going to be covered what medication you&#39;re going to be on um what where you live whether you would rather pay more in your premiums or more at the time of service to determine which plan might be best and you can do that by either visiting the website or scanning the QR code this is also in all of the communication pieces that have gone out or will go out uh about open enrollment so you&#39;d be able to see it there as well all right so benefit open enrollment so open enrollment begins Wednesday October 25th through Tuesday November 7th on the morning of October 25th everybody will be receiving an email with instructions on how to get in and enroll yourself you have two options on how you can do this you can either enroll yourself uh with our brand new enrollment system um and the the email that you receive will have your username and password information of what you need to put in and order to access that site you&#39;ll be able to go in and uh do it either the um through the computer or it&#39;s also mobile friendly so you&#39;d be able to quickly get it done on your phone too if you&#39;re somebody that doesn&#39;t like the technology piece of it you&#39;re also able to talk with our benefit counselors over the phone and they would be able to get you enrolled as well that email that comes out on the 25th will have the um the hours of operation as well as the phone number that you can call to um to contact those counselors that&#39;s everything about our open enrollment you&#39;ll have the benefit guide and all of our emails it&#39;s also in um inside HR that you can access that but if you have any questions please reach out to Julie Charles our HR benefit specialist my myself Rebecca Fischer the wellness coordinator or if need be you can also contact christelle Morgan um our executive director of HR all of our contact information is down there we also have our benefits email up on top all three of us watch that email so we&#39;ll be able to access it and get back to you as soon as possible again thank you for watching this presentation and if you have any questions please reach out

Transcript for:2024 Benefits Overview

Transcript for:
2024 Benefits Overview