UNIVERSITY OF NORTH TEXAS BENEFITS ELIGIBLE GRADUATE STUDENT ORIENTATION

1. UNIVERSITY OF NORTH TEXASBENEFITS ELIGIBLEGRADUATE STUDENT ORIENTATION UNT Insurance & Retirement Benefits Department of Human Resources, Benefits

2. WELCOME LETTER TO: Benefits Eligible Graduate Students FROM:Human Resources Department, Benefits Benefits eligible employees may enroll in the State’s health insurance plan with employee only coverage and $5,000 basic term life insurance at no cost to you. To enroll in the health insurance program, you are required to enroll online or sign an enrollment form in Human Resources in Marquis Hall, Room 105, within 90 days of insurance-eligible employment.

3. MANDATORY PREMIUM RESERVE POLICY Note: The University of North Texas has a Mandatory Premium Reserve Policy (Vol. 1, 1.5.1.8). Graduate Student employees with less than 12-month appointments must assure payment of summer insurance premiums. Therefore, you will be automatically enrolled in premium reserve. Premium Reserve eliminates the risk of having your insurance coverage cancelled over the summer months due to non-payment. In addition, Premium Reserve gives you the added advantage of pre-taxing your summer insurance premiums.

4. WHAT ARE MY OPTIONS WITH THE EMPLOYEES RETIREMENT SYSTEM (ERS)? • Health Insurance (Becomes effective 1st of the following month after the 90th day of insurance eligibility) • Dental Insurance • Optional Term Life • Dependent Term Life • Voluntary Accidental Death & Dismemberment (AD&D) • Short-Term Disability • Long-Term Disability • TexFlex Reimbursement Accounts • Long Term Care (Optional coverage's become effective the 1st of the following month after signature date)

5. WHO CAN I COVER ON MY INSURANCE? • A dependent child must be your biological child or legally adopted child unless you can certify that the child meets a condition on the Dependent Child Certification form • Eligible Dependents • Your spouse • Your dependent child who is under 25 and is not married

6. No deductible $1,000 Coinsurance Maximum Primary Care Physician Required Specialist Referrals required (except for routine eye exam and OB-GYN) Low office visit co-pay $20 Primary Care Physician $30 Specialist Hospital co-payments $100 Outpatient co-pay then 80/20 $100 Inpatient co-pay per day up to 5 day maximum and 80/20 $100 ER co-pay then 80/20 “NETWORK” BENEFITS

7. “NON-NETWORK” BENEFITS • use a physician who is not your designated PCP • no referral from your PCP • After $500 annual deductible met, coverage is 60% of amount “allowed” for procedure; then you pay 40% of allowed amount up to $3000 max per calendar year plus ALL amounts charged above allowed amount • If you or a dependent permanently reside outside of Texas, you have “Out-of-Area” coverage or $200 annual deductible, then 70% coverage of allowed amount; you pay 30% of allowed amount up to $1000 max per calendar year plus ALL amounts charged above allowed amount unless par plan providers are used.

8. PRESCRIPTION DRUG PROGRAM • Prescriptions are $10, $25, $40 • $50 Plan Year Deductible (per family member) • Generics Mandatory • Maintenance medications (long-term)- Use mail order or pay cost difference and continue to use network pharmacy

9. Opt-Out Credit Participant Must • Certify comparable health coverage (e.g. TRICARE, TRS-Care, or spouse’s/parent’s health plan) not including the GBP Considerations • Gives up access to state-provided health/basic life & prescription drug coverage • Required to prove good health & pass EOI to enroll in Health Select at a later date • No guarantee of Health Select enrollment, depending on health status

10. Opt-Out Credit Incentive Monthly credit to use toward GBP dental and AD&D premiums ***Opt-Out Credit does not have a cash value, you will be given a credit towards GBP dental and/or AD&D***

11. State of Texas Dental Choice Plan Traditional dental plan May use any licensed dentist in U.S., but Humana Preferred Provider network option available as well . Low deductibles, coverage based on co-insurance Orthodontia for children only WHAT ARE MY DENTAL PLAN OPTIONS?

12. WHAT ARE MY DENTAL PLAN OPTIONS? • Dental Maintenance Plan (DMO) • Lower premiums • Must use contracted providers • No waiting period for coverage on major procedures • Co-payments based on services provided at visit • Specialist coverage is ONLY a 25% discount off normal fees • Must complete DMO Dentist Selection form • Does not coordinate benefits (does not pay if you have other dental plan)

13. OPTIONAL LIFE INSURANCE Election I coverage = Equal to your annual salary, rounded up Election II coverage = 2 X your annual salary, rounded up Election III coverage* = 3 X your annual salary, rounded up Election IV coverage* = 4 X your annual salary, rounded up Cost of coverage depends on employee’s: • Age as of September 1st of plan year • Annual salary as of September 1st, rounded up • Nine month salary annualized for determining life insurance coverage amount and premiums • Nine month salary divided by 9 X 12 = life insurance annual salary; $400,000 coverage maximum *Requires Evidence of Insurability approval before you can enroll

14. DEPENDENT LIFE INSURANCE For each eligible dependent* you enroll in Dependent Term Life, they have: • $5,000 in Basic Term Life insurance coverage • $5,000 in Accidental Death and Dismemberment (AD&D) coverage You pay same monthly premium for Dependent Term Life regardless of number of eligible covered dependents *Dependents employed by the state are not eligible

15. VOLUNTARY ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE (AD&D) AD&D coverage pays in the event of an accident that causes death or bodily dismemberment, and coverage is different for employee/spouse/child: • Employee coverage is amount selected by employee, between $10,000 - $200,000 • Spouse coverage amount is equal to 50% of employee’s coverage amount • Child coverage amount is equal to 10% of employee’s coverage amount, but if a spouse also has AD&D family coverage then coverage amount is 5%

16. SHORT TERM DISABILITY Short Term Disability (STD) benefits provide temporary income to a disabled employee in the amount of 66% of the employee’s regular monthly salary • Maximum STD benefit = $6,600/mo. • Waiting period for STD benefits is the greater of 30 consecutive days or exhaustion of all leave benefits • STD benefits pay up to 5 months; payment ends when returns to work; 6-month pre-existing condition clause • $.29 per $100 of your monthly salary

17. LONG TERM DISABILITY Long Term Disability (LTD) benefits provide temporary income to a disabled employee in the amount of 60% of the employee’s regular monthly salary • Maximum LTD benefit = $6,000/mo. • Waiting period for LTD benefits is the greater of 90 consecutive days or exhaustion of all leave benefits • LTD benefits pay until age 65, provided employee was under age 60 when disability began; payment ends when employee returns to work; 6-month pre-existing clause • $.70 per $100 of your monthly salary

18. TEXFLEX REIMBURSEMENT ACCOUNTS An IRS-approved tax-free account that saves you money on eligible health and dependent care expenses. • By saving taxes you reduce the cost of your out-of-pocket health care or dependent care expenses • Most employees save about 25% on the cost of expenses • Restrictions - Must participate for full plan year, must plan carefully to estimate expenses, must incur eligible expenses during plan year, and must “use it or lose it” • You will automatically be re-enrolled each year

19. HEALTHCARE REIMBURSEMENT ACCOUNTS Your voluntary payroll deductions are sent tax free into an account from which you reimburse yourself for eligible health care expenses by filing claims, or you can use a debit card • What can be reimbursed? - Medically necessary health care services and supplies, i.e., for prescriptions, dental work, orthodontia, glasses, contact lenses, for you and/or your dependents that insurance does not pay, including co-pays and deductibles. Eligible dependents are those you can claim on your federal tax return. • Positives - Tax savings, alternative to itemizing deductions on tax return (when under 7.5% of income) • Negatives - Must participate for full plan year, estimate expenses, incur eligible expenses during plan year, file claims or fax receipts if using debit card, “use it or lose it” , $24 annual administrative fee

20. DEPENDENT (DAYCARE) REIMBURSEMENT ACCOUNTS Your voluntary payroll deductions are sent tax free into an account from which you reimburse yourself for eligible day care expenses by filing claims, or you can have the money sent to the provider, or you can use a debit card • Who is an eligible dependent? – Dependents you can claim on your federal tax return and under 13 (or physically or mentally unable to care for him/herself and spend at least 8 hours a day in your home) and the expense must be necessary for you (and your spouse if married) to continue working or attend school full-time • Positives - Tax savings • Negatives - Must participate for full plan year unless employment ends sooner, estimate expenses, incur eligible expenses during plan year, file claims or fax receipts if using debit card, “use it or lose it”

21. TEXFLEX DEBIT CARD • $15.00 annual fee • No card replacement fees • Card is valid for three years • HCRA: available credit determined by your plan year election amount • DCRA: available credit determined by your monthly account balance • Receipts needed only when requested • Requested when charges are questionable or if a charge exceeds $150.00 (an EOB may be necessary)

22. DO YOU MEET THESE CRITERIA? • Are you a Direct Transfer from another Texas state agency? • Does your spouse or parent work for a Texas state agency and if so, does that relative cover you for health, dental or dependent life insurance through the Texas GBP? If you meet one of these conditions, please let the Benefits Representative know. This could possibly waive your 90 day waiting period for health coverage.

23. FORMS AND INFORMATION TO ENROLL • Forms to enroll can be found at: http://www.hr.unt.edu/main/ViewPage.php?cid=15 • Benefits is at ext. 4250 when calling on campus or 940-565-4250 when calling off campus. Call to schedule an appointment. • Benefits is located in Marquis Hall, Room 105

24. Enroll Online To sign up for benefits, log on to ERS Online at www.ers.state.tx.us. The first time you log in, your will be required to register, and create and account.user Once logged in, Click on Post-Hire Change and follow the prompts to enroll. PLEASE NOTE: When you choose to enroll in medical insurance online, you may see a message which indicates that the cost for Member-Only coverage is $192.69. The University pays this cost on your behalf. There is no cost to you for employee-only medical coverage.