Open Enrollment Benefits 2013-2014 April 22- May 24

1. Open Enrollment Benefits2013-2014April 22- May 24 Wylie ISD

2. Health Care Reform – What does it mean for me? • Individual mandate under the Affordable Care Act goes into effect on January 1, 2014 • All individuals are required to have minimum essential coverage for medical unless you qualify for an exemption • Minimum essential coverage includes coverage under the following plans: • Employer sponsored coverage (TRS Active Care) • Individual coverage purchased by you • Medicare/Medicaid/CHIP • Certain types of Veterans health coverage • TRICARE • Individuals will have access to insurance exchanges in 2014 – if coverage is gained due to buying less expensive coverage through exchange – you can drop TRS Active Care • Individual mandate, by itself, going into effect on January 1 is not a qualifying event to enroll in TRS Active Care • Get more information on health care reform by going to www.healthcare.gov

3. What’s new for TRS Active Care Plans? • Active Care 1 will be discontinued • Deductibles and out-of-pocket maximums will increase for Active Care 1HD and Active Care 2 • Premiums increasing • Non-contracting providers will be paid at BCBS of TX allowable amount rather than at 50% of billed charges (more out of pocket for participant if using out-of-network providers) • New Benefits Value Advisor • New Uniform Summary of Benefits Coverage • New ID cards for medical if you make a plan change or are on Active Care 1 currently • New ID cards for prescriptions if you make a plan change or are on Active Care 1HD and Active Care 2

4. TRS Active Care Plan Changes TRS Active Care Plan 1 • Plan no longer offered in 2013-2014 • Employees currently on this plan will automatically switch during open enrollment to Active Care 1HD unless election is made for another plan

5. TRS Active Care Plan Changes (cont.) TRS Active Care Plan 1HD • Family deductible from $2,400 to $4,800 • Individual Out-of-Pocket Max from $3,000 to $3,850 • Family Out-of-Pocket Max from $5,000 to $4,200 • Can utilize an HSA plan through your bank if you choose this plan (contact your benefits specialist for more information on HSA) (Out-of-pocket max exclude deductibles)

6. TRS Active Care Plan Changes (cont.) TRS Active Care Plan 2 • Individual deductible from $750 to $1,000 • Family deductible from $2,250 to $3,000 • Individual Out-of-Pocket Max from $2,000 to $4,000 • Family Out-of-Pocket Max from $6,000 to $8,000 • Increase all prescription co-pays by $5 (Out-of-pocket max exclude deductibles and copays) TRS Active Care Plan 3 • No plan design changes

7. TRS Active Care Plan Rates *Amounts reflected are after $225 contributed by state/district. 2013-2014 2013-2014

8. Medical Gap Plan

9. Medical Gap Example 1

10. Medical Gap Example 2

11. PPO Dental Plan – High Option

12. PPO Dental Plan – Low Option

13. DHMO Dental Plan

14. Vision Plan

15. Standard Insurance Disability

16. Basic & Voluntary Group Term Life Plan

17. Fidelity Permanent Life Plan

18. Cancer Plan

19. Flexible Spending Accounts • Maximum allowable election amount per year is now $2,500 per participant for the medical FSA • Maximum allowable election for dependent care FSA remains $5,000 per family • New administrator will be TASC – get a debit card, improved technology with smart phone app that allows you to take a picture of your receipt and file the claim immediately for reimbursement.

20. 403(b) and 457(b) • New Administrator as of 9/1/13 – Omni • No more fees • Easy accessibility to accounts • Seamless change for 403(b) • Minimal change for 457(b) • More information to come on change to new carrier

21. In-Roll for Online Enrollment Log-In Instructions for In Roll Site Access- To access your employer on-line enrollment site, InRoll, you can click on the Employee benefit Website provided by your employer or simply log in to www.in-roll.com. Once at this location you will see a screen like the one shown below. User Name- Every employee will have a system assigned user name to enable them to access the InRoll sight. Your user name will be the first initial of the legal name on record with your employer, followed by your entire last name, followed by the last 4 digits of your SS#. Ex: employee name- Robert Smith, SS# 123-45-6789 User Name will be: rsmith6789 Default Password- Your default password for the initial log in will be wisd

22. In-Roll for Online Enrollment Welcome Page- Please read the information and instructions included on the Welcome Page. This page includes important information about your new benefits and how to enroll in the coverage. Once you have read the Welcome Page, click on the link at the bottom of the page to continue your enrollment.

23. In-Roll for Online Enrollment Verify Information-This page contains information about yourself. Your name, address, date of birth etc. will be listed on this page. Please check for accuracy. This is also the page where you will enter dependent information. InRoll will not allow you to enroll dependents for coverage if you do not enter each dependent’s information. Once you have entered all required information and confirmed it for accuracy, click the link at the bottom of the page to submit and continue. Dependent Enrollment- Many of your benefit offerings will include options to enroll your spouse and children for coverage. If you do not see an option to enroll your spouse or child, you have not entered their information on the Verify Information page in InRoll. You will need to return to the Verify Information page and enter the information for each dependent. Do this by clicking on the Add Dependent link and entering the RED items on the Dependents page. Once entered, click the Submit Information button at the bottom of the page. Repeat this process for each dependent. Once all dependents are entered, return to the enrollment screen you were on by clicking on the green plan name link on the left side of the page under the Status Bar.

24. In-Roll for Online Enrollment Benefit Enrollment- Your employer provides you with a selection of supplemental benefits that you can choose from, and pay for, on payroll deduction. Each of these benefits will be outlined in detail in the InRoll system with Plan Specific information on each benefit page. Simply follow the instructions on each page to enroll in or decline coverage. Once you make your choice, and submit your election, you will move to the next benefit page. Some benefits will require responses on multiple pages. This will typically be for verification of your benefit election, identification of insured dependents, or completion of any required applications.

25. In-Roll for Online Enrollment Confirmation Statement- Once you have completed your enrollment, you will see a “Confirmation Statement”. This page shows you the benefit selections made, the cost of these benefits, and dependents entered into the system. Click the “Print and Save” button at the bottom of this page to create a printable version of this document. Once the printable version appears, click file/print to print a copy for your records. Note: If you have a valid email address in the system, you can also request to have a copy of your Confirmation Statement emailed to you. If the option to email a statement does not appear, return to the Verify Information screen and make sure you have a valid email address entered in InRoll. After this document prints, click the Exit link at the top of the page to close your enrollment site.

26. You Have Resources!