2019BENEFITSOPEN ENROLLMENT

October 8 - November 2, 2018

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What is Open Enrollment?Open Enrollment is your once-a-year opportunity to make benefit changes for you and/or your eligible family members. This is your chance to enroll in your 2019 benefits whether you are adding, removing, or changing plans. We encourage you to give careful thought to your needs prior to making any decisions.

The benefits you elect during Open Enrollment will be effective January 1, 2019, and will remain in effect through December 31, 2019, unless you experience a qualifying life event that would allow you to make a mid-year change.

If you do not enroll during this 2019 Open Enrollment period, your benefits will default to your 2018 benefits except your Flexible Spending Account (FSA). You must re-elect your FSA for 2019. If you currently refuse/decline the medical coverage and do not enroll, your election to refuse/decline will remain for 2019.

Open Enrollment Website

www.collierschools.com/openenrollment

Please review the benefits information included in this document and on the Benefits Open Enrollment website PRIOR to completing your enrollment. The benefits information found in this packet is a summary of the complete information found on the Benefits Open Enrollment website.

What is included in this Open Enrollment Packet?

• 2019 Open Enrollment Guide» Benefits Information At-a-Glance» Contact Sheet» 2019 Benefits Checklist and Rate Sheet

• Enrollment Options (link)

• Scheduler Instructions andSchedule by Location (link)

• Rate Sheets» Allstate Hospital (link)» Chubb Critical Illness (link)» Chubb Accident (link)» Trustmark Universal Life with Long Term Care (link)» The Standard Short Term Disability (link)» The Standard Long Term Disability (link)» The Standard Voluntary Term Life and AD&D (link)

2019 Open Enrollment PeriodOctober 8 - November 2, 2018

Cultivate Your Future

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Benefits At-a-Glance2019 Open Enrollment Guide

MEDICAL PLANPremiums for full-time employees are paid by Collier County Public Schools. Premiums for your dependents are paid by the employee. Detailed benefits for the plan can be found in the Summary Plan Description (SPD) and Summary of Bene-fits and Coverage (SBC). These documents provide plan participants with information on how the medical plan operates, when an employee can begin to participate in the plan, how services and benefits are paid, covered benefits and exclusions, deductibles, co-pays and co-insurance. Both documents are located on the Benefits website at www.collierschools.com/Page/5318.

In-Network/Out-of-NetworkAn in-network provider is a physician or medical facility that is part of the group of contracted providers. Using an in-network provider offers cost-savings advantages because a covered person pays only a percentage of the scheduled fee for services provided. A covered person who goes to an out-of-network provider will pay more for the services rendered and his or her share of the cost may not apply to the out-of-pocket maximum.

Pathways to Enhanced Health Incentive ProgramPathways is a voluntary incentive-based wellness program which allows a covered employee to qualify for lower out-of-pocket costs (incentives) by participating in a variety of research-based wellness activities. These activities are designed to improve health awareness, support and maintain good health and address chronic disease or serious medical conditions. Covered employees who choose not to participate in wellness activities will remain in the Basic Pathway for the subsequent plan year. Covered dependents will be enrolled in the same Pathway as the employee. The three Pathways are:

• Basic Pathway - no incentives• Custom Pathway - partial incentives• Enhanced Pathway - full incentives

Allegiance Benefit Plan Management

Basic Pathway (no incentives)

Custom Pathway(partial incentives)

Enhanced Pathway(full incentives)

The amounts and percentages are what the employee pays.

Annual Deductible (In-Network / Out-of-Network)

Individual $3,000 / $6,000 $1,000 / $1,300 $400 / $800

Family $6,000 / $12,000 $2,000 / $2,600 $800 / $1,600

Maximum Out-of-Pocket (In-Network / Out-of-Network)

Individual $4,700 / $16,000 $4,450 / $8,500 $2,400 / $4,800

Family $9,400 / $32,000 $8,900 / $17,000 $4,800 / $9,600

Office Visits (In-Network / Out-of-Network)

Primary Care Physician 40% / 50% after CYD* $50 Copay / 45% after CYD* $30 Copay / 40% after CYD*

Specialist Office Visit 40% / 50% after CYD* $75 Copay / 45% after CYD* $50 Copay / 40% after CYD*

Facility Charges (In-Network / Out-of-Network)

Inpatient Facility Charges Deductible then 40% / 50% Deductible then 30% / 45% Deductible then 20% / 40%

Outpatient Facility Charges Deductible then 40% / 50% Deductible then 30% / 45% Deductible then 20% / 40%

Other (In-Network / Out-of-Network)

MRI, CT Scans, PET Scans, X-Ray Deductible then 40% / 50% Deductible then 30% / 45% Deductible then 20% / 40%

Prescriptions

Deductible $400 $250 $100

Maximum Out-of-Pocket

Individual $2,150 $2,150 $2,100

Family $4,300 $4,300 $4,200

Generic/Brand/Brand Non-Formulary 40% / 40% / 60% 30% / 30% / 50% 20% / 20% / 40%*CYD: Calendar Year Deductible

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MEDICAL PLAN (cont)

In 2018, two enhanced benefits were added to your medical Plan:

• Emotional Wellness Program (through Community Health Partners) Counseling services and support at NO cost to employees and their family members. Licensed therapist available to meet Monday through Friday at the Administration Center or CHP offices.

• MD LIVE Consult with a doctor for non-emergency conditions such as cold/flu, fever, nausea, rash, UTI and more without leaving home! Consultations by phone, secure video or MDLIVE app anytime, anywhere. Average wait time is 10 minutes to see a state-licensed, board-certified physician. Family members enrolled in the Plan are eligible and pediatricians are available 24/7.

If you and your family members are enrolled in the District’s medical Plan, you have access to both of these benefits.

ENHANCED BENEFITS!

Basic Pathway Custom Pathway Enhanced PathwayEmotional Wellness Program (in network only)

100% Deductible waived

100% Deductible waived

100% Deductible waived

MD Live 100% after $20 copay 100% after $15 copay 100% after $10 copay

FLEXIBLE SPENDING ACCOUNTS (FSA)

• Up to $2,650 ($132.50 per paycheck) can be deducted pre-tax to pay for eligible health care expenses.

• Up to $5,000 ($250 per paycheck) can be deducted pre-tax to pay for eligible child care expenses.

• Over-the-counter items will only be eligible if they are prescribed. As always, retain copies of receipts for all FSA expenses in case you are audited.

• Includes a debit card that can be used to provide immediate access to FSA funds (medical only) at the point of purchase.

• Allows up to $500 carryover of unused funds from current to subsequent year. (Medical only)

Health/Dependent Care Accounts - Allegiance Benefit Plan Management

Benefits At-a-Glance2019 Open Enrollment Guide

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DENTAL COVERAGE

• Employee selects an in-network dentist. Family members are not required to choose the same dentist as the employee; however the dentist must be in-network. (Network may be limited to Florida.)

• Fixed schedule of co-payments.

• No pre-existing condition limitations.

• Dentist must be assigned before services.

• No out-of-network coverage.

• Provides the choice of going to an in-network or an out-of-network dentist. Widest network of dentists available.

• Higher out-of-pocket costs, but greater flexibility in seeking care.

Dental Health Managed Organization (DHMO)

Preferred Provider Organization (PPO)

Benefits DHMOOffice Visits $5

Routine Cleanings (two cleanings twice/year at no charge and two additional cleanings available at a co-pay)

No charge (2 per year)

X-Rays No charge

Amalgam fillings (silver) No charge

Orthodontia (treatment case up to 24 months for adults and dependent children) $1,695

Benefits PPO - High Option PPO - Low OptionIn-Network Out-of-Network In-Network Out-of-Network

Calendar Year Annual DeductibleIndividualFamily

$50$150

$50$150

$100$300

$100$300

Type A - Preventative Services (oral exams, bitewing x-rays, cleanings)

100% of PDP Fee* (no deductible)

80% of PDP Fee* (no deductible)

80% of PDP Fee* (no deductible)

60% of PDP Fee* (no deductible)

Type B - Basic/General Services (fillings, full mouth x-rays, periodontal)

80% (after deductible)

60% (after deductible)

55% (after deductible)

40% (after deductible)

Type C - Major Services (extractions, bridges, crowns, dentures)

50% (after deductible)

40% (after deductible)

30% (after deductible)

30% (after deductible)

Orthodontia Lifetime Maximum Benefit

50% of PDP Fee* up to $1,000 per person

45% In-Network and 30% Out-of-Network of PDP Fee* up to a maximum of

$750 per person

Calendar Year Maximum Benefit $5,000 per person $1,000 per person $750*PDP Fee (Preferred Dental Program) refers to the fees that participating dentists have agreed to accept as full payment subject to co-payments, deductibles, cost sharing and plan benefit maximums

Benefits At-a-Glance2019 Open Enrollment Guide

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BASIC LIFE/ACCIDENTAL DEATH & DISMEMBERMENT• The District provides basic life insurance in the amount of one times your salary or a minimum of $30,000

up to $100,000.

The Standard

SUPPLEMENTAL EMPLOYEE LIFE• Employees have the option of purchasing $20,000 of supplemental life insurance.

The Standard

VOLUNTARY GROUP TERM LIFE AND AD&D• Choose from $10,000 up to $500,000 for yourself and/or your spouse. (evidence of insurability may apply)• The benefit amount does not have to be the same and your spouse can be covered without the employee.• Employee and/or spouse must be covered in order to cover children. Employee and spouse cannot have dual

coverage on children• Spouse coverage cannot exceed employee coverage.

The Standard

UNIVERSAL LIFE WITH LONG TERM CARE BENEFITS• Coverage is available to you, your spouse, your children, and your grandchildren.• Provides a death benefit to your beneficiaries and a living benefit to you through a long term care rider.• Modified Guaranteed Issue $21 per week or $200,000 (age 64 max) whichever is less; subject to underwriting

approval; Simplified Issue up to $300,000.

New policies are Simplified Issue only for employees (and their dependents) who previously applied for coverage which has been not taken, declined, cancelled, withdrawn, lapsed, or surrendered and those with current Trustmark coverage.

Trustmark

Benefits At-a-Glance2019 Open Enrollment Guide

• In-network optometrist, ophthalmologist, or retail locations give best savings; however members can use non-network providers. Non-network providers must be paid at time of appointment and member must submit for reimbursement.

REGULAR PLAN• $10 co-pay for exams and a $15 co-pay for single, bifocal, trifocal, and lenticular lenses.• Exams available every 12 months, lenses or contact lenses every 12 months, new frames every 24 months.• Contact lenses - $130 allowance, 15% off balance over $130 for conventional lenses.• Frames - $130 allowance, 20% off balance over $130.

HIGH PLAN • $0 co-pay for exams and a $0 co-pay for single, bifocal, trifocal, and lenticular lenses. • Exams available every 12 months, lenses or contact lenses every 12 months, new frames every 12 months.• Contact lenses - $170 allowance, 15% off balance over $170 for conventional lenses.• Frames - $170 allowance, 20% off balance over $170.

EyeMedVISION COVERAGE

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CRITICAL ILLNESS• Provides a lump sum payment upon diagnosis of heart attack, stroke, cancer, major organ transplant, or

end-stage renal failure, carcinoma in situ.• Wellness screening benefit of $50 payable for preventive screenings.• Guaranteed Issue for active employees.

Chubb

ACCIDENT• Policy pays cash benefits directly to you, over-and-above any other coverage.• Protects you 24 hours a day and provides benefits for injuries that occur either on or off-the-job.• Wellness benefit of $100 per year payable for doctor visits, chiropractor visits, physical therapy, ER,

hospital stays, fractures and dislocations, ruptured disk, burns, lacerations, slip and fall, etc.• Guaranteed Issue for active employees.• Helps pay for cost of accidental injury. If your child breaks a leg at soccer practice the sports package can increase

the total benefit payment by more than $900

Chubb

DISABILITY COVERAGE• Disability insurance replaces a portion of your income if you become disabled through sickness or injury

and are unable to work

The Standard

Option 1 Option 2 Option 3 Option 4Short Term Disability (14 days)

Long Term Disability(180 days)

Short Term Disability Only

(14 days)

Long Term Disability Only

(90 days)

Long Term Disability Only

(180 days)

Benefits Begin after 14 days if your disability lasts longer than 24 weeks,

long term disability (180 days) begins

after 14 days after 90 days after 180 days

Benefits Paid Until 24 weeks normal retirement age

24 weeks normal retirement age

normal retirement age

Maximum Benefit 60% to $1,750 per week

60% to $7,500 per month

60% to $1,750 per week

60% to $7,500 per month

60% to $7,500 per month

HOSPITAL INDEMNITY• Pays cash benefits directly to you, over-and-above any other coverage.• Low and high options.• Pays $830 to $1,556 for hospital admission depending on plan.• Daily hospital benefit, surgical benefits, ER/physician benefit and accident-related medical fees per incident.• Guaranteed Issue for active employees.• Add Outpatient treatment benefit ($41 - $102 per person x5 visits)

Allstate

Benefits At-a-Glance2019 Open Enrollment Guide

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This information is designed to provide you with an overview of the benefits available to you through your employment with The District School Board of Collier County. If you enroll, the Health Insurance Summary Plan Description and plan policies will provide you with the details of the features and benefits for all available plans. The actual benefits and benefit descriptions are governed solely by the relevant plan policies and contracts. The District School Board of Collier County retains the right to amend, change, or modify benefits at any time. As per notification, rates are subject to change.

LEGAL SERVICES & IDENTITY THEFT PROTECTION

EMOTIONAL WELLNESS

• Legal Services - Family coverage for unlimited phone consultations, will and living will preparation, contracts anddocuments, letters and phone calls on your behalf, traffic, family law issues and more. Covers employee, spouse,children up to age 21 living at home or age 23 going to college.

• Identity Theft Protection - Family coverage including a credit report, credit score, fraud alerts, and completerestoration services should a covered family member become a victim of identity theft. Covers employee, spouse,and children up to age 18.

• The on-site Emotional Wellness Program administered by Community Health Partners (CHP) provides FREE counselingservices for anxiety/depression, stress, substance abuse, grief, marital and family issues.

• The Employee Assistance Program is integrated with CHP’s program and is available 24/7/365.Effective 1-1-19 a new EAP provider will be established. More information coming soon!

LegalShield

EMOTIONAL WELLNESS / EMPLOYEE ASSISTANCE PROGRAMS

• Save on brand-name prescriptions.• All dogs and cats are eligible.• Save on flea and tick products, dietary foods, and heartworm preventatives.• Most prescriptions are available for pick-up at Caremark pharmacies (CVS, Target, and Walmart) or shop online or

on the PETplus app (shipping is free).

PETplus Prescription Savings Plan

PET DISCOUNT PROGRAMS

• Save on all in-house medical services at participating veterinarians.• Receive instant 25% discount every time you visit the vet.• All pets are eligible.• No exclusions on breed, age, or pre-existing or hereditary conditions.

Pet Assure Veterinary Discount Plan

Benefits At-a-Glance2019 Open Enrollment Guide

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Benefits At-a-Glance2019 Open Enrollment Guide

ENROLLMENT CALL CENTER(877) 220-0044 10/15 - 11/2 from 10:00 a.m. - 7:00 p.m. 10/27 9:00 a.m. - 5:00 p.m.

ACCIDENTChubb(866) 445-8874www.chubbworkplacebenefits.com

CRITICAL ILLNESSChubb(866) 445-8874www.chubbworkplacebenefits.com

DENTAL (DHMO and PPO)MetLife - (800) 942-0854 (PPO)MetLife - (800) 880-1800 (DHMO)www.metlife.com/mybenefits

DISABILITYThe Standard - (800) 378-2395www.standard.com/individual EMOTIONAL WELLNESS / EMPLOYEE ASSISTANCE PROGRAMCHP: (239) 659-7751 EAP: TBD

FLEXIBLE SPENDING ACCOUNTSAllegiance Benefit Plan Mngmt - (855) 333-1012www.askallegiance.com/dsbcc

HOSPITAL INDEMNITYAllstate - (800) 521-3535www.allstatebenefits.com/mybenefits

LEGAL SHIELD / IDENTITY THEFTLegal Shield - (800) 654-7757www.prepaidlegal.com

LIFE (DISTRICT-PAID, VOLUNTARY AND SUPPLEMENTAL)The Standard - (800) 352-5757www.standard.com/individual

MD LIVE (877) 753-7992www.mdlive.com/allegiance MEDICAL COVERAGEHeather Stiegler (on-site representative) - ext. 7-3703Allegiance Benefit Plan Mngmt - (855) 333-1012www.askallegiance.com/dsbcc

MEDICAL NETWORK (LOCAL) - Tier 1Community Health Partners - (239) 659-7700www.chealthpartners.com

MEDICAL NETWORK (NATIONAL) - Tiers 2 & 3Tier 2 Cigna - (855) 333-1012www.askallegiance.com/dsbcc Tier 3 Multiplan - (800) 523-3669www.multiplan.com

PET DISCOUNT PROGRAMSPet Assure / PETplus - (800) 891-2565www.petassure.com

PRESCRIPTION DRUG PLANNavitus Health Solutions- (855) 673-6504www.navitus.com

UNIVERSAL LIFE INSURANCETrustmark - (800) 918-8877www.trustmarksolutions.com

VISIONEyeMed - (800) 521-3605www.eyemedvisioncare.com

BENEFITS VENDORS

Dayli Christiano, CHP Pathways Program Coordinatore: dchristiano@chealthpartners.com p: (239) 377-0710

Tim Katze: tkatz@chealthpartners.com p: (239) 377-0713

Susie Rosbottom, MS, LMFT Emotional Wellness Cliniciane: ew@chealthpartners.com p: (239) 659-7751

Anjali Russano, PA-C, MPHe: arussano@chealthpartners.com p: (239) 377-0712

Amy Sciarrinoe: asciarrino@chealthpartners.com p: (239) 377-0711

Jane Knoble-Manalich, Directore: knoblj@collierschools.com p: (239) 377-0355 f: (239) 377-0376

Marie Irwin, Coordinatore: irwinma@collierschools.com p: (239) 377-0362 f: (239) 377-0376

Cynthia Cave, Supervisore: cavec@collierschools.com p: (239) 377-0370 f: (239) 377-0384

Dan Davidson, Manager (FMLA / Leaves)e: davidd2@collierschools.com p: (239) 377-0360 f: (239) 377-0384

Jenna Sims, Manager (Maternity Leaves) e: simsj1@collierschools.com p: (239) 377-0388 f: (239) 377-0384

Teresa Cowley, Specialiste: cowleyte@collierschools.com p: (239) 377-0352 f: (239) 377-0384

Natasha Bucher, Support Assistante: buchen@collierschools.com p: (239) 377-0340 f: (239) 377-0384

BENEFITS AND WELLNESS OFFICEGENERAL INFORMATION

p: (239) 377-0340 e: benefits@collierschools.comonline: www.collierschools.com/benefits

2019 BENEFITS CHECKLIST AND RATE SHEET COST PER

PAY PERIOD YOUR

DEDUCTIONS

MEDICAL (PRE-TAX*)

Single (Employee Only) $ 0.00 $

Spouse Only $ 325.00 $

1 Child Only $ 106.00 $

2 Children Only $ 212.00 $

3 Children Only $ 318.00 $

Dual Spouse (Payer - Paycheck Deduction) (2 employees with 2 or more dependent children) $ 167.00 $

Dual Spouse (Non-Payer - No Paycheck Deduction) $ 0.00 $

Family $ 492.00 $

Refuse/Decline Coverage $ 0.00 $

FLEXIBLE SPENDING ACCOUNTS (PRE-TAX*) $500 rollover to next year (medical FSA only)

Medical Reimbursement (Per Pay Period: Minimum $5.00 / Maximum $132.50) $ $

Dependent Child Care Reimbursement (Per Pay Period: Minimum $5.00 / Maximum $250.00) $ $

DENTAL INSURANCE (PRE-TAX*)

Dental HMO Employee $ 10.23 $

Dental HMO Employee + One $ 17.90 $

Dental HMO Employee + Family $ 28.13 $

Dental PPO High Option Employee $ 24.13 $

Dental PPO High Option Employee + One $ 42.19 $

Dental PPO High Option Employee + Family $ 65.82 $

Dental PPO Low Option Employee $ 11.14 $

Dental PPO Low Option Employee + One $ 19.47 $

Dental PPO Low Option Employee + Family $ 30.37 $

VISION INSURANCE (PRE-TAX*)

Vision High Employee $ 8.37 $

Vision High Employee + One $ 17.05 $

Vision High Employee + Family $ 32.00 $

Vision Employee $ 4.10 $

Vision Employee + One $ 8.36 $

Vision Employee + Family $ 15.69 $

LIFE INSURANCE

Basic Life Insurance (Provided at no cost to employees. The benefit is one times the annual salary or a minimum of $30,000 up to $100,000)

$ 0.00 $ 0.00

Supplemental Life Insurance $20,000 (Pre-Tax*) $ 6.24 $

Voluntary Group Term Life Ins. & AD&D Employee (Post-Tax)

Click for Rates

$

Voluntary Group Term Life Ins. & AD&D Spouse (Post-Tax) $

Voluntary Group Term Life Ins. & AD&D Children (Post-Tax) $

DISABILITY INSURANCE (The Standard) (POST-TAX)

Option 1 - Short Term 14 Day Waiting Period & Long Term 180 Day Waiting Period

Click for Rates

$

Option 2 - Short Term 14 Day Waiting Period $

Option 3 - Long Term 90 Day Waiting Period $

Option 4 - Long Term 180 Day Waiting Period $

LEGAL SERVICES AND IDENTITY THEFT PROTECTION (POST-TAX)

LegalShield Family $ 9.45 $

IdentityShield Family $ 7.65 $

LegalShield with IdentityShield Family $ 17.10 $

IdentityShield Individual $ 4.05 $

LegalShield with IdentityShield Individual $ 13.50 $

PET DISCOUNT PROGRAMS (POST-TAX) Products can be combined

Pet Assure Single Pet $ 4.80 $

Pet Assure Unlimited Pets $ 6.60 $

Pet Plus Single Pet (Dog & Cat only) $ 2.70 $

Pet Plus Unlimited Pets (Dog & Cat only) $ 5.10 $

VOLUNTARY WORKSITE BENEFITS

Accident Enhanced Benefit (Pre-Tax*) Click for Rates $

Critical Illness (Pre-Tax*) Click for Rates $

Hospital Indemnity (Pre-Tax*) Click for Rates $

Universal Life Insurance With Long Term Care Benefits (Post-Tax) Click for Rates $

TOTAL COST PER PAY PERIOD $

*Pre-Tax – may not drop this benefit after your first payroll deduction unless there is an approved, qualifying life event.