2023 Wichita Public Schools Benefit Guide

2023 Benefits Guide For USD 259 Employees

OPEN ENROLLMENT FOR 2023 PLAN YEAR October 21 - November 4, 2022

IMPORTANT BENEFIT INFORMATION FOR All CURRENT BENEFIT ELIGIBLE EMPLOYEES (including recent New Hires) All employees including recent new hires will need to go online to complete your 2023 Benefit Enrollment.

ENROLLMENT IS MANDATORY

Have questions? Email us at employeebenefits@usd259.net

Table of Contents NOTICE TO ENROLLEES ................................................................................ 3 EMPLOYEE BENEFIT ENROLLMENT (bswift) INSTRUCTIONS .......................... 4-5 IMPORTANT PLAN INFORMATION ................................................................ 6 MEDICAL & PRESCRIPTION BENEFITS AND RATES ....................................... 7-10 WELLNESS CREDITS ..................................................................................... 11 ADDITIONAL EMPLOYEE PAID PREMIUMS & CASH OPTION .......................... 12 UMR TOOLS .................................................................................................. 13-16 TELADOC WITH UMR ..................................................................................... 17 SUREST ....................................................................................................... 18 DENTAL ...................................................................................................... 19 VISION ........................................................................................................ 20 FLEXIBLE SPENDING ACCOUNTS (FSA) ........................................................ 21 FSA ELIGIBLE ITEMS ................................................................................... 22 LIFE INSURANCE ......................................................................................... 23 EMPLOYEE ASSISTANCE PROGRAM .............................................................. 24 RETIREMENT BENEFITS ............................................................................... 25-26 ADDITIONAL WPS BENEFITS ....................................................................... 27 ENROLLMENT INFORMATION ....................................................................... 28-30 WELLNESS VERIFICATION ........................................................................... 31 HELPFUL INFORMATION .............................................................................. 32 CONTACT INFORMATION .............................................................................. 33

Open Enrollment is your once-a-year opportunity to enroll in or change your benefits for the upcoming calendar year. Please take the time to understand your benefit options.

2 - Employee Benefits Guide

Notice to Enrollees

WELCOME TO YOUR 2023 BENEFITS! It’s important for you to understand how your benefits work. The information and tools in this brochure are intended to help you make the best benefit choices for you and your family.

Who is Eligible for Benefits? Employees who are regularly scheduled to work at least 30 hours per week or at least .75 FTE are eligible for the benefits listed in this guide. For purposes of these benefits, eligible family members include: • Your legal spouse • Your dependent child or step child up to age 26 • Any child you have legally adopted or for whom you have legal guardianship • Any eligible child for whom health care coverage is required through a Qualified Medical Child Support order (QMCSO) or other court or administrative order - even if the child does not reside with you You can add or drop dependents during your enrollment period or within 31 days of a qualifying life event. Qualifying Life Events After your initial eligibility date, and other than the annual open enrollment period, you may only change your benefit election and covered dependents within 31 days following a Qualifying Life Event, such as: • Marriage, divorce or legal separation • Birth, adoption, legal guardianship, or medical child support order • Death of your spouse or dependent • Eligibility/Ineligibility for Medicare/Medicaid • Covered dependent is no longer eligible (reaching age 26) • Covered employee’s spouse or dependent gains or loses coverage due to his or her employment status or own employer’s open enrollment If you experience one of these qualifying life events during the year you can make plan changes through the benefit portal at www.usd259.bswift.com within 31 days of the life event.

Employee Benefits Guide - 3

Important Information

2023 BENEFITS We encourage you to read this guide carefully. Enrollment is mandatory by going online to www.usd259.bswift.com. Current Employees Open Enrollment is your once-a-year opportunity to enroll in or change your benefits for the upcoming calendar year. Please take the time to understand your benefit options. Your 2022 benefit elections DO NOT carryover to 2023 so you will need to go online to complete your benefit elections for the 2023 calendar year. New Hires including Recent New Hires Benefit elections made during your New Hire Enrollment were for the current 2022 plan year. You will need to go online to complete your benefit elections for 2023 as your 2022 enrollment will not carry over. If you have questions about your benefits after reading this guide or visiting the online benefits portal at www.usd259.bswift.com please contact Employee Benefits at 316-973-4581 or by email at employeebenefits@usd259.net.

OPEN ENROLLMENT Annual Open Enrollment for your 2023 Benefits will be: October 21 – November 4, 2022. The 2023 benefit year is 01/01/2023 - 12/31/2023

OFFERED BENEFIT

IF YOU FAIL TO MAKE CHANGES DURING OPEN ENROLLMENT:

You will be automatically enrolled in the Employee Only Medical Base Plan. Additional premiums may apply.

Medical Plan Benefits

Dental Plan Benefits

You will be automatically enrolled in the Employee Only Base Dental Plan.

Vision Plan Benefits

You will be automatically enrolled in the Employee Only Base Vision Plan.

If you do not complete online enrollment you will be automatically enrolled in the Employee Only Base Medical, Dental and Vision Plans for 2023. If you are a new enrollee in the Cash Option for 2023 and do not provide proof of coverage by 11/4/2022, you will be enrolled in the Employee Only Base Medical Plan.

Cash Option

Flexible Spending Accounts (FSA)

You will not be able to contribute to an FSA or a Dependent Care Account for 2023.

4 - Employee Benefits Guide

Important Information

2023 BENEFITS Newborn Coverage

Newborns must be enrolled within 31 days after the date of birth. You must go online to www.usd259.bswift.com to enroll your newborn as a dependent on your health plan. Once enrolled, you must provide a copy of the birth confirmation letter or birth certificate AND a copy of the social security card within 31 days of birth. Failure to enroll your new baby within the 31 day period and provide dependent verification documents will result in no coverage under the plan. (See page 29- Benefit Changes During the Year). Dependent Verification Requirement Dependent eligibility documentation is required for any new dependents added to the medical, dental or vision plans. This information must be submitted within 31 days of your hire date or qualifying life event date or by the close of open enrollment. Copies of social security cards are required for all dependents. Individual Taxpayer Identification Numbers (ITIN) will be accepted. You will be able to upload your documents during online enrollment by clicking on “profile” then “employee file.”

Dependent Being Added

Document(s) Needed

Spouse

Copy of Legal Marriage Certificate or notarized common law affidavit AND copy of Social Security Card

Copy of Birth Certificate (with parental information), or hospital birth confirmation letter AND copy of Social Security Card

Dependent (0-26 yrs.)

Adopted Children

Legal adoption or placement for adoption paperwork AND a copy of Social Security Card

Legal Guardianship (Court Appointed)

Legal guardianship paperwork AND copy of Social Security Card

Need a New Social Security Card? Visit https://www.ssa.gov/ssnumber or call 1-800-772-1213

Need a New Birth Certificate? Access www.vitalchek.com any time or call 1-877-305-8315

Employee Benefits Guide - 5

Important Plan Information We are happy to announce there are no rate increases for 2023. Enrollment • Enrollment is mandatory for all employees including recent new hires • Current 2022 benefit elections will not carryover to 2023 • Current cash option enrollees remaining in cash option for 2023 need to re-enroll even if covered by another district employee • Those currently enrolled in the case option for 2022 WILL need to provide proof of coverage, even if covered by another USD 259 employee • New hires hired after 4/1/2022 who are currently enrolled in cash option for 2022, do not need to provide proof of coverage again Medical Plans UMR will continue to be our third party administrator for the Base Plan and Premium Plan 1 • Access to UMR Choice Plus network which includes Wesley, Via Christi, Kansas Medical Center, Kansas Surgery & Recovery, Kansas Spine & Specialty, Kansas Heart Hospital, Mayo Clinic and the addition of many more providers • UMR Provider search and cost transparency tool allowing you to compare provider costs and quality measures • Additional Telemedicine services offered by Teladoc for Dermatology & Behavioral Health Bind changed its name to Surest as of 09/01/2022 for Premium Option 2 • Co-pay only plan. No deductibles and no coinsurance • Broad network through United Healthcare Choice Plus • See coverage, copay, and care options - Know the copay before making an appointment. Lower copays can be an indication of higher-value care. Wellness Points • The non-tobacco points will be populated based on your 2022 status. For new enrollees, the non-tobacco points will be populated at the close of open enrollment • The final deadline for submitting wellness documentation is 11/4/2022. No exceptions! • You and your covered spouse will each need 100 wellness points to get the wellness discount for 2023 Flexible Spending Accounts • Healthcare Flexible Spending Account annual maximum is $2,850 with up to $570 carryover limit • Dependent Care Flexible Spending Account annual maximum is $5,000 per family Insurance Cards

• New Insurance ID cards will be issued to all medical plan enrollees from UMR or Surest • MaxorPlus will only issue new prescription cards to new enrollees or those making changes • Delta Dental will only issue new dental cards to new enrollees or those making changes • Surency vision will issue new ID cards to all enrollees Vision • Surency will replace EyeMed

6 - Employee Benefits Guide

Medical Plans At A Glance

Base Plan (UMR)

Premium Option 1 (UMR)

Premium Option 2 (Surest) UHC Choice Plus Network

UHC Choice Plus Network

In-Network

Out-of-Network

In-Network

Out-of-Network

In-Network

Out-of-Network

Deductible Individual | Family Co-Insurance Plan | Member

$4,500 | $9,000 $9,000 | $18,000 $1,500 | $3,000 $3,000 | $6,000

$0 | $0

70% | 30%

50% | 50%

70% | 30%

50% | 50%

Max Out-of-Pocket (Includes Deductible, Coinsurance, and Med & Rx Copays)

$6,150 | $12,300 $12,300 | $24,600 $4,500 | $9,000 $9,000 | $18,000 $6,000 | $12,000 $12,000 | $24,000

Benefits

Preventive Care

Plan pays 100% Not Covered

Plan pays 100%

$150

$30 Copay | $50 Copay

Office Visit Primary | Specialist

Deductible & 50% Coinsurance

$15 to $100 Copay

$300

$15 Copay (Teladoc)

$0 Copay (Doctor On Demand)

Telemedicine

Not Covered

Deductible & 50% Coinsurance

Urgent Care Visit

$50 Copay

$150

Emergency Room Visits Diagnostic Lab (X-Ray, Bloodwork)

$100 copay, then Deductible & 30% Coinsurance

$500 Copay

$500

Deductible & 50% Coinsurance

$30 Copay

$0 Copay

$100 Copay then Deductible & 30% Coinsurance Deductible & 30% Coinsurance

$100 Copay then Deductible & 30 % Coinsurance

Deductible & 50% Coinsurance

Advanced Imaging

$100 to $725

$2,175

$2,000 (Inpatient) $850 to $3,000 (Outpatient)

$6,000 (Inpatient) Up to $9,000 (Outpatient)

Inpatient Hospital & Outpatient Facility Inpatient Mental Health Outpatient Mental Health Maternity Care Prenatal visits Childbirth Global fees (Dr) Childbirth Facility fees

Deductible & 30% Coinsurance

Deductible & 50% Coinsurance

Deductible & 30% Coinsurance

Deductible & 50% Coinsurance Deductible & 50% Coinsurance

$2,000

$6,000

$30 Copay

$15 Copay

$150

No Charge $50 Copay Deductible & 30% Coinsurance Deductible & 30% Coinsurance

$150 $5,100

Deductible & 50% Coinsurance

$0 Included in facility fees $900 to $1,700

Rehabilitation Services

$1,500 (Inpatient) $10 to $85 (Outpatient)

Deductible & 50% Coinsurance Deductible & 50% Coinsurance Deductible & 50% Coinsurance

Physical Therapy Clinic Durable Medical Equipment

$50 Copay

$10 to $70

$210

Deductible & 30% Coinsurance

Up to $1,000

Up to $2,000

This guide is a summary of the employee benefits provided by Wichita Public Schools. If there is a discrepancy between the benefits illustrated in this guide and the official plan document, the plan document will always govern.

Employee Benefits Guide - 7

Prescriptions Your prescription drug benefit is included with your medical plan enrollment and is administered by MaxorPlus, a pharmacy benefits manager. When you enroll in medical coverage, you will receive a separate MaxorPlus ID card and information on locating a pharmacy near you. Most major pharmacy chains accept MaxorPlus. Present your MaxorPlus ID card when filling prescriptions. You can save money on medications you take on a long-term basis by using mail order with Maxor. With Maxor mail order, you are getting a 90 day supply for the cost of a 60 day supply.

MAXORPLUS – RETAIL (31 DAY SUPPLY)

Premium Option 2 (Surest)

Prescription Drugs

Base Plan (UMR)

Premium Option 1 (UMR)

Rx Max Out-of-Pocket Individual | Family

$1,000 | $2,000

$2,650 | $5,300

$1,150 | $2,300

Generic Drugs

$10 Copay $30 Copay

Preferred Brand Drugs

Non-Preferred Brand Drugs

$55 Copay

10% Coinsurance up to $100 Copay

Specialty Drugs

MAXORPLUS – MAIL ORDER (93 DAY SUPPLY)

Premium Option 2 (Surest)

Prescription Drugs

Base Plan (UMR)

Premium Option 1 (UMR)

Rx Max Out-of-Pocket Individual | Family

$1,000 | $2,000

$2,650 | $5,300

$1,150 | $2,300

Generic Drugs

$20 Copay $60 Copay

Preferred Brand Drugs

Non-Preferred Brand Drugs

$110 Copay

Specialty Drugs

N/A

MAXORPLUS

Pharmacy Network • Costco Pharmacy • CVS Pharmacy • Dillons Pharmacy • Hy-Vee Pharmacy • Medicine Shoppe

• Sam’s Club Pharmacy • Shopko Pharmacy

• Walgreens

• Wal-Mart Pharmacy

• Rite Aid

• HEB

• And many more!

• Price Chopper Pharmacy

Free Medications Formulary generic blood pressure, cholesterol, and select diabetic medications and supplies are free at any in-network pharmacy. Please talk to your doctor about prescribing a generic so you can save money. Pay the Difference Provision If you or your physician request a brand name drug when a generic equivalent exists and you choose to fill the brand drug, you will be responsible to pay the brand copay plus the difference in cost between the brand and generic.

8 - Employee Benefits Guide

RxResults

Wichita Public Schools is committed to providing the best care for our employees and their covered family members while also helping to keep healthcare costs under control. As we work to find new ways to keep prescription drug costs down for everyone, Wichita Public Schools is excited to partner with RxGuidance (an innovative service provided by RxResults).

What is RxGuidance Provided by RxResults, RxGuidance helps you and your doctor make informed decisions on your prescription drug(s) and pricing options so you can decide how much you are able to pay. Who is RxResults RxResults, the proven industry leader for evidence-based pharmacy risk management, directly meets the challenge of ensuring access to medications proven safe and effective while providing cost control. What does RxResults Do As a Pharmacy Risk Manager, RxResults:

• Provides a team of independent pharmacists and benefit industry experts • Delivers unprecedented insights into drug costs and clinical options • Identifies member savings opportunities • Communicates directly with members and their prescribers How Does RxResults Work with MaxorPlus

MaxorPlus will be administering Wichita Public Schools prescription benefit with recommendations and support by RxResults. As a team, MaxorPlus and RxResults are dedicated to giving you the best service and resources to help you and your family stay in good health. The RxResults evidence-based prescription drug program is designed to help keep healthcare costs down for both you and your healthcare plan, while conforming to national guidelines and/or best practices with respect to drugs used to treat certain medical conditions. Managing prescription costs also helps control future health premium costs for plan participants. RxResults will be sending, or may have already sent, personalized letter(s) on behalf of your health plan if your current drug therapy is impacted by any future periodic benefit changes. The letter will identify the drug impacted along with other related information.

An RxGuidance Overview - RxGuidance helps you and your doctor make informed decisions on your drug(s) and pricing options to help you lower your pharmacy bill.

The Challenge Many prescription drugs have multiple options and price points within the same drug class

The Solution Through evidence-based research for more than 1,500 drugs across 60-70 classes and sub-classes of drugs, RxResults directly meets the challenge of ensuring access to medications proven safe and effective while providing cost control. Managing prescription costs also helps control future health premium costs for all plan participants.

High Cost Drug $300 Per Rx

Savings Opportunity If you are taking a drug that has a savings opportunity, you and your doctor will receive a letter in the mail identifying the drug(s) you are taking and how much money you can save by asking your doctor to change your drug(s). Savings Realized Keep filling your current drug(s) and potentially pay more or, you and your doctor can discuss writing a new prescription for what should be a more cost-effective drug. This option also goes towards your prescription out of pocket maximum to save on any future medical costs you may have.

Clinical Equivalent $10 Per Rx

Clinical Equivalent $22 Per Rx

Clinical Equivalent $30 Per Rx

Employee Benefits Guide - 9

Medical & Prescription Rates

RATES WITHOUT WELLNESS DISCOUNT

Base Plan (UMR)

Monthly

Bi-weekly 20 pays Bi-weekly 26 pays

Annually

$1,200.00

$100.00

$60.00

$46.15

Employee Only

$2,400.00

$200.00

$120.00

$92.31

Employee + Spouse

$1,200.00

$100.00

$60.00

$46.15

Employee Child(ren)

$2,400.00

$200.00

$120.00

$92.31

Employee Family

Premium Option 1 (UMR)

Annually

Monthly

Bi-weekly 20 pays Bi-weekly 26 pays

$1,866.24

$155.52

$93.31

$71.78

Employee Only

$3,798.96

$316.58

$189.95

$146.11

Employee + Spouse

$2,465.64

$205.47

$123.28

$94.83

Employee Child(ren)

$4,465.20

$372.10

$223.26

$171.74

Employee Family

Premium Option 2 (Surest)

Monthly

Bi-weekly 20 pays Bi-weekly 26 pays

Annually

$1,513.32

$126.11

$75.67

$58.20

Employee Only

$3,065.40

$255.45

$153.27

$117.90

Employee + Spouse

$1,795.32

$149.61

$89.77

$69.05

Employee Child(ren)

$3,371.52

$280.96

$168.58

$129.67

Employee Family

RATES WITH WELLNESS DISCOUNT

Base Plan (UMR)

Monthly

Bi-weekly 20 pays Bi-weekly 26 pays

Annually

Employee Only

Employee + Spouse

Employee Child(ren)

Employee Family

Premium Option 1 (UMR)

Annually

Monthly

Bi-weekly 20 pays Bi-weekly 26 pays

$666.24

$55.52

$33.32

$25.62

Employee Only

$1,398.96

$116.58

$69.95

$53.80

Employee + Spouse

$1,265.64

$105.47

$63.29

$48.68

Employee Child(ren)

$2,065.20

$172.10

$103.26

$79.42

Employee Family

Premium Option 2 (Surest)

Monthly

Bi-weekly 20 pays Bi-weekly 26 pays

Annually

$313.32

$26.11

$15.67

$12.05

Employee Only

$665.40

$55.45

$33.27

$25.60

Employee + Spouse

$595.32

$49.61

$29.77

$22.90

Employee Child(ren)

$971.52

$80.96

$48.58

$37.37

Employee Family

10 - Employee Benefits Guide

Medical Rates with Wellness Discount All covered employees and spouses will need 100 wellness points each to get the wellness discount for 2023. New Employees hired into the district after 4/1/22 or employees hired that become benefit eligible after 4/1/22 (and applicable spouses on the plan) will automatically get the wellness discount for 2023. Employees and spouses can each earn a $1,200 annual wellness discount by completing 100 wellness points. Credits earned between September 1, 2021 – August 31, 2022 will apply towards the 2023 premium discount. All 100 wellness points are subject to verification and approval before the premium discount is applied. Credits earned between September 1, 2022 – August 31, 2023 will apply towards the 2024 premium discount. All 100 wellness points are subject to verification and approval before the premium discount is applied Wellness Credit Verifications for 2023 Plan Year Preventive service claims that are filed through the district health plan are loaded throughout the year into bswift. If something is missing, you will need to get proof and upload it into bswift. For services that still require verification, please ensure that each document clearly states the patients: • Name • Date of Service

• Screening performed • Employee ID number

Examples of accepted documentation include: • Itemized receipts

• Benefit Statements • Billing Statements • Printout from Patient Portal • Written verification from provider • Optional Wellness Form completed & signed by healthcare provider (available on district website or bswift portal)

Reminder: Verify your Current Wellness Points at: www.usd259.bswift.com/PersonalProfile/Wellness Tab

Employee Benefits Guide - 11

Additional Employee Paid Premiums The premiums listed below are in addition to the premium for your selected medical plan. Working Spouse Premium • The working spouse premium is in addition to the premium for your selected medical plan. • If your spouse‘s employer offers group health insurance, regardless of cost or if they are enrolled in it or not, then you would select “YES” to pay the working spouse premium • If your spouse’s employer does not offer insurance, is self employed, unemployed or also works for USD 259, you would select “NO” to the working spouse premium • If you select NO and then later your spouse is offered health insurance, you need to notify us within 31 days of the event as you would be required to add the spouse working premium at that point to keep the spouse on your insurance. Failing to notify us of this could result in retroactive payments due on your health insurance

Bi-weekly (26)

Bi-weekly (20)

Monthly

Annually

Working Spouse

$92.31

$120.00

$200.00

$2,400.00

The working spouse premium will only apply if your spouse is enrolled in your medical plan

Tobacco Premium The additional tobacco premium applies to both the employee and spouse if enrolled under one of the medical plans. The tobacco premium applies to those who have used tobacco or nicotine products 4 or more times per week within the last 6 months. This includes cigarettes, electronic cigarettes, pipes, or any form of chewing tobacco. By selecting “NO” to tobacco use when enrolling, you and/or your spouse will be given 25 wellness points once your enrollment is approved and is subject to audit & confirmation testing.

Bi-weekly (26)

Bi-weekly (20)

Monthly

Annually

Employee

$46.15

$60.00

$100.00

$1,200.00

Spouse

$46.15

$60.00

$100.00

$1,200.00

Employee + Spouse

$92.30

$120.00

$200.00

$2,400.00

Once you have been tobacco free for 6 months, you can enroll as a non tobacco user the following Open Enrollment period.

Cash Option – Declining Medical Coverage Eligible employees who have medical coverage elsewhere may elect the cash option benefit in lieu of the Board provided group medical plan. The annual payout of $1,200 will be divided by your total number of remaining paychecks in the calendar year.

Bi-weekly (26)

Bi-weekly (20)

Monthly Annually

Cash Option

($46.15)

($60.00) ($100.00) ($1,200.00)

• New enrollees wishing to enroll in the Cash Option or those currently enrolled will need to go online and complete the benefit enrollment process to enroll for 2023 • Failure to go online and elect the Cash Option benefit will result in being defaulted to the Base Medical, Dental and Vision Plans, Employee Only Coverage • New enrollees into the Cash Option Plan will need to upload a copy of your current medical insurance card or military ID to receive the Cash Option benefit even if covered by another USD 259 employee • Current 2022 Cash Option enrollees re-enrolling in Cash Option for 2023 WILL need to upload another copy of your card • New Hires or newly benefit eligible hired after 4/1/22 currently enrolled in the cash option will not need to provide proof of coverage again.

12 - Employee Benefits Guide

UMR – Base Plan & Premium Plan 1

Get all your answers quick and easy @ UMR.com You want managing your health care to be fast and easy, right? You got it. At umr.com, you’ll find everything you want to know – and need to do – as soon as you log in. No hassles. No waiting. Just the answers you’re looking for anytime, night or day!

• View My taskbar, your personalized benefits to-do list

• Check your benefits and see what’s covered

• Look up what you owe and how much you’ve paid

• Find a doctor in your network

• Learn about medical conditions and your treatment options

• Access tools and resources such as:

• Cost Transparency Tool

• Maternity CARE program

• Dedicated tool-free number

Note: The images shown reflect available features within UMR’s desktop site. These features may or may not be available to all users, depending on your individual and/or company benefits.

• 24-hour Nurse Line for health questions

Employee Benefits Guide - 13

You don’t need a Ph.D. to understand your benefits We’ve made it easy to find the top things people want to know. Choose Benefits & Coverage from myMenu to find out: • What health care services are covered? • What’s the cost difference between an in-network and out-of-network service? • What’s your deductible, and are you close to reaching it? • Is there a copayment for your office visit? If so, how much? Did your dog eat your ID card? No worries. It’s easy to get a replacement online. Just click ID card from myMenu to see a copy of your card. With a couple more clicks you can have a new card mailed to your home. Can’t wait for the mailman? Print a temporary copy from our desktop site. Or, use your smart phone to view your ID card or fax a copy to your doctor’s office.

Fictionalized data

Buried in paperwork? A single click lets you track all your claims Check in at your convenience to see if a claim has been processed and what you might owe. To get more details on a specific claim, click view claim details or view EOB . This will tell you the type of services provided, the amount billed and the amount paid, if any, and whether there’s any action that needs to be taken before the claim can be processed. You can choose to receive a secure e-mail any time you have a new EOB. If you’re not ready to give up paper completely, you can print out copies from our claims center. Don’t be surprised by unexpected costs • Know the price you’ll pay ahead of time. Search treatments or procedures in the Health cost estimator. • Get your in-network discount. Use Find a provider to look up doctors and facilities near you. Helpful apps, calculators, videos and health information all in one place Choose Health Center from the myMenu and select the tile shortcuts that interest you. • Online health information: up-to-date and ad-free. • Our top picks for healthy eating and exercise. • Free tools, apps and calculators

14 - Employee Benefits Guide

Find a Provider

Search for UnitedHealthcare Choice Plus Network using our alphabet navigation or type UnitedHealthcare Choice Plus into the search box

Go to umr.com and select “Find a provider”

Find a provider on-the-go using our umr.com mobile site.

Employee Benefits Guide - 15

For medical providers, choose View Providers . For behavioral health providers (including counseling and substance abuse), select Behavioral health directory .

UnitedHealthcare Choice Plus: The UnitedHealthcare online provider directories include network hospitals, primary physicians and specialists. The following information is available: • Provider name, address and phone number

• Hospital affiliation • Board certification

• UnitedHealth Premium® Quality & Cost Efficiency designations that highlight physicians by quality of care and cost standards in their specialty • Average costs for care in your area and how different providers compare to the local average • Provider ID number • Office language capabilities (English, Spanish, etc.) • Map and directions to each office

Remember: Get the most from your benefit plan - use participating network health care providers whenever possible.

16 - Employee Benefits Guide

Teladoc gives you round-the-clock access to U.S. board-certified doctors, from home or on the go. Call or connect online or using the Teladoc mobile app for affordable medical care, when you need it. 24/7 doctor visits via phone or mobile app

Talk to a doctor anytime! Visit Teladoc.com or call 1-800-Teladoc

Get the Care you need Teladoc doctors can treat many medical conditions, including:

• Cold & Flu symptoms • Allergies • Pink eye • Respiratory infections

• Sinus problems • Skin problems • And more

With your consent, Teladoc is happy to provide information about your Teladoc visit to your primary care physician.

Employee Benefits Guide - 17

Bind is now Surest An overview of how the Surest plan works: • Coverage for health services, from colds to emergency heart surgery. • No deductible. No coinsurance. • Check copays for tests, procedures or treatments before making an appointment.

• Shop by quality—lower copays indicate higher-value care, based on quality, efficiency, cost and overall effectiveness. • See different treatment options. You have the information to choose what makes the most sense for your health, your lifestyle and your budget. You have more control over improving your health at the lowest cost

Other features: Options: Access the broad, national UnitedHealthcare Choice Plus network of doctors and hospitals. (One of the largest in the country.) Ease of use: At Surest, there’s no deductible to meet, and no coinsurance to calculate. You pay a copay for the service, which you can see ahead of time on the Surest app or website. Opportunities to save: When you choose quality care that helps keep you healthy, you have the opportunity to save money. Help team: Surest Member Services customer support is available by chat, email or phone to help answer cost or coverage questions.

Using Surest is straight forward for looking up conditions:

You can learn more about Surest at britehr.app/wps2023 or scan the QR code below:

Or confirming your doctor is in network:

18 - Employee Benefits Guide

Dental

Delta Dental of Kansas

Great oral health is an essential part of a healthy lifestyle. Oral health is often overlooked, but regular oral care can help prevent common diseases and greatly influence your overall quality of life. We offer two dental insurance plans through Delta Dental to help you maximize your oral health. Visit www.deltadentalks.com to find a provider, print ID cards, check your eligibility or claims status, and more!

Plan Information

Base Plan

Buy-Up Plan

Network

PPO or PREMIER

Out-of-Network

PPO or PREMIER

Out-of-Network

$1,500 Per Calendar Year $0 Individual | $0 Family Plan pays 100% (PPO) Plan pays 70% (PREMIER)

$1,500 Per Calendar Year

$1,500 Per Calendar Year $50 Individual | $150 Family Plan pays 100% (PPO) Plan pays 70% (PREMIER) Plan pays 80% (PPO) Plan pays 70% (PREMIER) Plan pays 50% (PPO) Plan pays 50% (PREMIER)

$1,500 Per Calendar Year $50 Individual | $150 Family

Maximum Benefit(s) Per Person

Deductible (Applies to Basic & Major Services) Preventive (Oral Exams, X-Rays, Cleanings, Topical Fluoride, Space Maintainers, Sealants)

Plan pays 60%

Basic Services (Oral Surgery, Extractions, Restorative Services, Endodontics, Periodontics)

Not Covered

Plan pays 50%

Major Services (Special Restorative Services, Bridges, Dentures, Implants*, TMJ**)

Not Covered

Plan pays 40%

*Implant services are subject to a maximum benefit of $2,500 per lifetime, per person. Implant coverage will not be included in the annual maximum benefit. **Temporomandibular Joint Dysfunction is subject to the annual benefit maximum of $1,500 per person, per calendar year.

Base Plan Premiums

Annually

Monthly

Bi-weekly (20)

Bi-weekly (26)

Employee Only

Employee + Spouse

Employee Child(ren)

Employee Family

Buy-Up Plan Premiums

Annually

Monthly

Bi-weekly (20)

Bi-weekly (26)

Employee Only

$189.84

$15.82

$9.49

$7.30

Employee + Spouse

$398.64

$33.22

$19.93

$15.33

Employee Child(ren)

$360.60

$30.05

$18.03

$13.87

Employee Family

$588.48

$49.04

$29.42

$22.63

Employee Benefits Guide - 19

Vision

Visit www.surency.com/vision to find an Insight Network Provider. Surency In-Network Plan Information Base Plan (Exam Only)

Buy Up Plan

Network

Insight Network

Out-of-Network

Insight Network

Out-of-Network

Exam

$0 Copay

$40

$0 Copay

$40

Exam Frequency

Once Per Calendar Year

Lens Frequency

Unlimited

Once Per Calendar Year

Frames Frequency

Unlimited

Once Every Other Calendar Year

$150 Allowance, 20% Off Balance over $150

Standard Frames

35% Off Retail

N/A

$105

Lenses (Single, Bifocal, Trifocal)

$50 | $70 | $105

N/A

$25 Copay

$30 | $50 | $70

$150 Allowance, 15% Off Balance over $150

Conventional Contact Lenses

15% Off Retail

N/A

$120

Disposable Contact Lenses

Not Covered

N/A

$150 Allowance

$120

Medically Necessary Contact Lenses

Not Covered

N/A

100% Covered

$210

Base Plan (Exam Only)

Annually

Monthly

Bi-weekly (20)

Bi-weekly (26)

Employee Only

Employee + Spouse

Employee Child(ren)

Employee Family

Buy-Up Plan

Annually

Monthly

Bi-weekly (20)

Bi-weekly (26)

Employee Only

$49.68

$4.14

$2.49

$1.91

Employee + Spouse

$94.44

$7.87

$4.73

$3.64

Employee Child(ren)

$99.48

$8.29

$4.98

$3.83

Employee Family

$146.16

$12.18

$7.31

$5.63

20 - Employee Benefits Guide

Flexible Spending Accounts (FSA)

ASI

What is a Flexible Spending Account (FSA)? We partner with ASI to pay for out-of-pocket medical, prescription, dental, vision, and dependent day care expenses with pre- tax dollars through Flexible Spending Accounts (FSA). You must enroll/re-enroll annually during open enrollment to participate for the following calendar year. Contributions to your FSA come out of your paycheck before any taxes are taken out. This means that you don’t pay federal income tax, social security taxes, or state and local income taxes on the portion of your paycheck you contribute to your FSA. You should contribute the amount of money you expect to pay out of pocket for eligible expenses for the plan period. Participants can order a debit card for the Health Care Flexible Spending Account by completing the “FSA Debit Card Application” located under Employee Benefits on the USD259 website or in the library on the bswift benefit portal.

The Two Types of FSAs:

Health Care FSA You can use money set aside in your Health Care FSA for eligible medical, dental, and vision expenses incurred by you, your spouse, or your taxable dependents. Great examples of this include copays, and deductibles. Cosmetic medical expenses, such as facelifts or hair removal, are not eligible. Remember to keep your receipts and/ or other documentation in case it is needed to verify the medical expense. Some items may require additional documentation from your medical provider.

Dependent Day Care FSA In order for dependent care services to be eligible, they must be for the care of a taxable dependent under the age of 13 who lives with you or for a taxable dependent who is incapable of caring for himself or herself. The care must be needed so that you and your spouse (if applicable) can go to work. Because of this, care must be given during normal working hours and cannot be provided by another of your dependents.

The maximum amount you can contribute is $2,850 per year

The maximum amount you can contribute is $5,000 per year, depending on your marital and tax-filing status.

FSA Frequently Asked Questions

Do I need to keep any records when I use my FSA? To be compliant with the IRS guidelines, your FSA administrator may ask for an itemized receipt or Explanation of Benefits to validate claims. When is the FSA money deposited? Your entire election is available on the first day beginning the plan. The election amount will be contributed through even payroll deductions throughout the plan year. What if I do not use all of the FSA money by the end of the year? FSA funds abide by the “use-it-or-lose it” rule. All unused FSA money in excess of a $570 rollover amount will be forfeited for the Health Care FSA. For the Dependent Care FSA, any balance not used by the deadline will be forfeited.

Employee Benefits Guide - 21

FSA Eligible Items

Qualifying Health Care Expenses

Health Care Expenses Not Allowed

• Acupuncture • Alcoholism • Ambulance • Annual Physical • Exam

• Flu Shots • Hearing Aids • Home Care

• Baby Sitting • Cosmetic Surgery • Dancing Lessons • Diaper Service • Electrolysis or Hair Removal • Funeral Expenses • Future Medical Care • Hair Transplant • Health Club Dues • Household Help

• Maternity Clothes • Medicine (from Outside U.S.) • Non-prescription Medicines • Nutritional Supplements • Swimming Lessons

• Hospital Services • Laboratory Fees

• Artificial Limb • Artificial Teeth • Bandages • Birth Control Pills • Blood Pressure Monitor • Body Scan • Breast Pumps & Supplies • Chiropractor • Contact Lenses • Crutches • Dental Treatment • Diabetic monitors, test kits, strips and supplies • Diagnostic Devices • Disabled Dependent Care • Drug Addiction • Eyeglasses • Eye Surgery • Fertility Enhancement • First Aid Kits

• Lactation Expenses • Menstrual products • Plan Mileage (for travel to/ from eligible healthcare) • Nursing Services • Optometrist • Osteopath • Over-the-counter drugs and medications • Oxygen • Physical Examination • Pregnancy Test Kit • Prescription Medicines • Prosthesis • Psychiatric Care • Psychologist • Saline Solution • Sterilization • Sunscreen (SPF 15+ and “Broad Spectrum”) • Surgery Telephone (Hearing Impaired)

• Teeth Whitening • Veterinary Fees • Weight-Loss Program • Food

Items That Require Physician RX

• Allergy Medication • Diaper Rash Ointments & Creams

• Over-the-counter • Weight Loss Drugs (for purpose of medical condition)

For a Complete List of Eligible Expenses, Visit www.irs.gov or www.fsastore.com

22 - Employee Benefits Guide

Life Insurance Group Term Life Insurance The Board provides group term life insurance coverage free of charge for all permanent employees who work 20 hours or more per week. This coverage will not be effective until the employee reports for work. The face value of your personal term life policy is based upon your position. • Certified employees - $30,000 • Classified / Hourly employees - $30,000 • Supervisory and technical employees - $40,000 • Administrators - $50,000 KPERS Life Insurance As an active member of KPERS, you are provided a life insurance policy with a face value of 1.5 times your annual base pay. The effective date of coverage is your date of hire. New employees and employees who become KPERS benefit eligible will complete the KPERS designation of beneficiaries form to assign beneficiaries. Voluntary Term Life Insurance Wichita Public Schools understands that having a comprehensive benefits plan is important to our employees and their families. Life insurance can provide an additional layer of financial protection for you and your loved ones. This voluntary benefit would be in addition to the district provided life insurance benefit. What do you need to know? During your enrollment period, you will have a special opportunity to enroll in Voluntary Term Life insurance coverage.* You can also take advantage of the special opportunity to increase your current coverage amount and/or enroll in spouse or child coverage. Why enroll now? The Term Life insurance plan through Guardian provides a guaranteed benefit you can count on. Policy proceeds are usually distributed income-tax free so you can help protect those who depend on you. It also offers flexibility to update your coverage as your life changes or take it with you if you change jobs or retire. Additionally, when you enroll for coverage, you also receive an equal amount of Accidental Death & Dismemberment insurance, which provides a layer of financial protection in the event of a serious injury or death as a result of an accident. During this enrollment period, you can enroll for the following amounts of Voluntary Term Life insurance: Employee: Enroll up to $500,000 ($10,000 Increments)* Guarantee Issue is $150,000 Spouse: Enroll up to $250,000 ($5,000)* Guarantee Issue is $50,000 Child(ren): Enroll any eligible children for up to $10,000 Guarantee Issue is $10,000

* If you would like additional coverage, a brief application and a few health questions will be required. The additional coverage does not take effect until approval is granted.

Employee Benefits Guide - 23

Employee Assistance Program

COMPSYCH USD 259 has partnered with ComPsych to offer an extensive Employee Assistance Program (designed to assist employees and members of their household address an array of life challenges before they become distractions that affect home life as well as work performance). ComPsych’s GuidanceResources also includes a host of useful materials regarding fitness and nutrition, career and personal development, legal resources - including will creation, work-life balance, parenting, and many other topics. These resources are free to you and all members of your household, and can be accessed from home and at your own pace. In an effort to support employees’ mental health, the expanded EAP benefit now provides up to 10 counseling visits per issue and referral services for employees and all household members. These services are provided in strict confidentiality and there is no cost to the employee. EAP Can Give You the Support You Need? • Relationship challenges • Excessive worry or stress • Life changing events • Substance dependence • Legal or financial issues • Workplace challenges

Better Help Online Therapy Online, real time, anytime: confidential care for you and your household members to live with balance, health and happiness. ComPsych’s text therapy partner, Better Help, is another great way to access support without having to leave your home, and you can talk to a therapist on your own time. This option makes support more convenient than ever. What’s in it for you: • Easy access to 2,000+ licensed therapists with a mobile device or computer • Can text your counselor directly on a 24/7 basis • Includes household members who are at least 18 years of age • No cost or insurance required • No commutes or appointments • Confidential and provided through a secure portal • Immediate access to emotional support • 1:1 relationship with licensed professional • Easy access with a mobile device or computer • 1 week of texting therapy is equal to 1 in-person session

HOW DO I GET STARTED? Log on to www.guidanceresources.com with passcode: usd259 Request counseling by contacting a Guidance Consultant through USD259’s dedicated number: 1-866-517-1254

24 - Employee Benefits Guide

Retirement Benefits

KPERS

Kansas Public Employees Retirement System (KPERS) Pension Plan All district employees who work in KPERS covered positions are members of the Kansas Public Employees Retirement System (KPERS). Kansas law requires that all eligible employees must become members. As an active member you contribute a percentage of your gross earnings. The KPERS website has valuable information regarding your KPERS membership. Links to all KPERS publications and forms are online for members and retirees. You can review your benefits as a member of KPERS and the retirement benefits you are accruing. KPERS also has an online “Retirement Estimate Calculator” you can use to calculate your retirement benefits. To get the best possible estimate results have your latest KPERS Annual Statement available to enter years of service and salary information.

KPERS 1 Benefits Members hired before July 1, 2009 Contribution Amount: As a KPERS 1 member you contribute 6% of your income (5% for 2014 and 4% for 2013 and before). Earning Interest: If you became a member before July 1, 1993, your contributions earn 7.75% interest. On or after July 1, 1993, your contributions earn 4% interest. KPERS 2 Benefits Members hired July 1, 2009 through December 31, 2014 Contribution Amount: As a KPERS 2 member you contribute 6% of your income. Earning Interest: Your contributions earn 4% interest.

KPERS 3 Benefits Members hired January 1, 2015 and after Contribution Amount: As a KPERS 3 member you contribute 6% of your income. Earning Interest: Your contributions earn 4% interest (quarterly). There is also a possibility of additional interest, depending on KPER’s investment returns. Your Retirement Credits You earn retirement credits while working. They are based on a percentage of your pay and the number of years you’ve worked. You receive these credits quarterly and your annual credit rate increases the longer you work. They can only be used at retirement.

Years You’ve Worked < 5 years 5-11 years 12-23 years 24+ years

Annual Credit Rate 3% of your pay 4% of your pay 5% of your pay 6% of your pay

NOTE: Kansas law does not allow you to borrow from your contributions

Employee Benefits Guide - 25

Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36

Made with FlippingBook - Online catalogs