1

Forsyth County Schools Benefit Plan Information and Annual Enrollment

January 1, 2016 through December 31, 2016

2

State HealthBenefit Plan

3

SHBP 2016-Carrier Options2016 Vendors and Plan Option Offerings: SHBP will continue to offer Blue Cross Blue Shield of Georgia (BCBSGa), UnitedHealthcare and Kaiser Permanente (KP) plan options for 2016.

BCBS of Georgia: 3 levels of HRA- Gold, Silver & Bronze and statewide HMO United Healthcare: High Deductible Health Plan (HDHP) and statewide HMO Kaiser Permanente: Regional HMO available to members who work or live in the 27 metro

Atlanta counties.

4

State Health – 2016 Plan Comparison

NOTE: Gold, Silver & Bronze = BCBS HRA PlansBCBS/UHC HMO = BCBS & United Healthcare HMO PlansHDHP = United Healthcare High Deductible Health PlanKaiser HMO = Kaiser Permanente High Deductible Health PlanIn = In-Network / Out= Out-of -Network

5

How the HRA Plans WorksThe HRA provides first-dollar coverage for eligible medical and pharmacy expenses and is funded by SHBP. When going to the doctor, you will not pay a co-payment. Instead, you pay the applicable deductible and co-insurance. If you have remaining wellness credits in your current HRA account, those credits will roll over to the next Plan Year. Bronze, Silver and Gold options with different levels of coverage

All services are subject to the plan deductible and/or coinsurance, no copays apply

The medical and pharmacy out-of-pocket maximums are combined

SHBP contributes HRA credits to your HRA account based on the plan option and tier of coverage you choose These credits provide first dollar coverage for medical and pharmacy expenses Able to earn additional credits with wellness activities

HRA credits left at the end of the year will roll over to the next plan year

6

How the HDHP WorksThe HDHP offers in-network and out-of-network benefits, and has a low monthly premium. However, you must satisfy a high deductible that applies to all covered medical and pharmacy expenses (except preventive care). Low monthly premiumMust satisfy high deductible ($3,500 individual, $7,000 family) for all medical and pharmacy expenses (except preventive care)You pay co-insurance after meeting the entire deductible for covered medical and pharmacy expensesIf you have more than single coverage, the entire family deductible ($7,000) NO LONGER must be met before benefits are payable for any family memberEligible to establish a Health Savings Account (HSA) to set aside tax-free dollars to pay for eligible health care expenses.

7

How the Statewide HMO WorksAn HMO allows you to receive covered medical services from in-network providers only (except for emergency care). It is important to verify your current provider is in-network when selecting an HMO Plan Option.Available through BCBS or UHC Rates differ between the 2 carriers

Receive covered services through in-network providers only (except emergency care) Be sure to confirm your providers are participating in the BCBS or UHC network

Co-payments apply to certain services- office visits, urgent care, emergency room and prescriptions

8

How the Regional HMO WorksThe KP Regional HMO Plan Option is available to SHBP eligible members who live or work in one of the 27 counties within the defined Metro Atlanta Service Area.*Services only available through Kaiser HMO network

Copay Only plan, no deductibles or coinsurance

Plan available for members that live or work in one of the 27 metro Atlanta counties:

Barrow Coweta Gwinnett Paulding

Bartow Dawson Haralson Pickens

Butts DeKalb Heard Pike

Carroll Douglas Henry Rockdale

Cherokee Fayette Lamar Spalding

Clayton Forsyth Meriwether Walton

Cobb Fulton Newton

9

Well-Being Incentive Credits Now able to rollover well-being incentive credits across vendors and plan options

2015 rollover credits available in April 2016

For Blue Cross Blue Shield of Georgia (BCBSGa) and United Healthcare Elections: Health actions must be completed between January 1, 2016 and December 15, 2016 in order to earn the well-being incentive credits. Members who elect BCBSGa and United Healthcare will have access to a variety of Healthways’ tools, activities and services such as the

Well-Being Assessment, wellness incentives, Well-Being Coaching, Biometric Screenings, and on-site activities. Healthways will also administer 2016 wellness incentives that will allow you to earn credits for offsetting certain health care costs. Members can earn up to 480 well-being incentive credits toward medical expenses, plus an additional 480 for a covered spouse (total of

960 per household)

For Kaiser Permanente (KP) Election: Members that elect KP will have access to a variety of their tools, activities and services such as the Total Health Assessment, Biometric

Screenings and Online and On-site Healthy Living Classes. As a part of the KP Wellness Program, if you sign up on kp.org and complete all four health activities (e.g. completing a biometric screening,

completing an age/gender appropriate preventive cancer screening, completing one online health education class), you will receive a $240 Visa gift card (up to $480 per household for you and your covered spouse).

10

Enhanced BenefitsTelemedicine/Virtual Visits

Effective January 1, 2016, SHBP will provide access to physicians through telemedicine/virtual visits Face-to-face consultations with physicians will be available 24/7, 365 days a year Services will be available from home, office or on the go from a computer, tablet or smartphone that

has a web camera

11

State Health – 2016 PremiumsThe Forsyth County Board of Education pays $49.38 for all employees participating in the health insurance program through the State Health Benefit Plan. Any premiums in excess of the $49.38 are listed below and will be deducted from your monthly paycheck.

12

State Health Open EnrollmentOpen enrollment is from October 19th (opens at 12:00 a.m.) – November 6th (closes at 11:59 p.m.) Members must make their health election at www.mySHBP.adp.com If you do not login to enroll or make changes, you will be defaulted to your current plan, coverage tier and tobacco status. If you are not currently covered and do not enroll, you will continue with no coverage.You may go online as many times as you like but the last election confirmed at the time OE closes will be your election for the 2016 Plan Year.You should print and keep a copy of the confirmation page which will contain a confirmation number - once OE is closed, you will be able to go online at www.mySHBP.adp.com and view your 2016 election

13

Additional Benefits

14

DentalAmeritas will continue as the dental carrier for 2016Core and Buy-Up plan optionsThe Late Entrant Penalty still applies to the Core and Buy-Up Plans

15

Dental Core PlanCalendar Year Deductible: $5.00/Per Visit – Type 1 $50.00 Individual/$150 Family – Type 2

Calendar Year Maximum: $1,000

Pays 100% of UCR charges on Preventive Services (Type 1)

Pays 50% of UCR charges on Basic Services (Type 2)

Major & Orthodontics NOT covered on Core Plan

Payroll Deductions (NO CHANGE):Employee Only : $0.00 Employee + 1 : $28.69 Employee + Family: $58.01

The Forsyth County Board of Education pays the full cost of the “Employee Only” Core Plan premium for eligible employees participating in the Dental Plan. This same premium is then applied across all other coverage tiers and dental plans. 

16

Dental Buy-Up PlanCalendar Year Deductible: $5.00/Per Visit – Type 1 $50.00 Individual/$150 Family – Type 2

Calendar Year Maximum: $1,500

Pays 100% of UCR charges on Preventive Services (Type 1)

Pays 80% of UCR charges on Basic Services (Type 2)

Major (Type 3) & Child Orthodontics Covered at 50%.

Lifetime Maximum on Orthodontics is $1,500

Payroll Deductions (NO CHANGE):Employee Only : $24.59 Employee + 1 : $62.96 Employee + Family: $115.75

17

VisionEyeMed will continue as the vision carrier for 2016One Plan Option

18

VisionIn Network Benefits:Eye Exam: $10 copayContact Lenses: $150 Allowance$150 Frame AllowanceStandard Plastic Lenses (Single, Bifocal, Trifocal): $20 copayAdditional Pairs Benefit(Once funded benefit has been used): 40% discount off complete pair eyeglass purchases & 15% discount off conventional contact lenses12/12/24 Plan

Payroll Deductions (NO CHANGE):Employee Only : $7.87 Employee + 1 : $13.74 Employee + Family: $20.44

19

Basic Life with AD&DForsyth County Schools provides all eligible employees with $30,000 in Basic Life and AD&D coverage at no cost to you.

20

Voluntary Life with AD&DYou may elect Employee Voluntary Life and AD&D coverage in increments of $10,000 up to a maximum of $500,000 or 5x your annual salary, whichever is less. Employee Guarantee Issue:$220,000 or 5X Salary , whichever is Less

You may elect Spouse Voluntary Life and AD&D coverage in increments of $5,000 to a maximum of $100,000 or 100% of your combined Group Life and Employee Voluntary Life amounts, whichever is less. Spouse Guarantee Issue: $25,000

You may also elect Child Voluntary Life and AD&D coverage in increments of $2,000 to a maximum of $10,000 without electing voluntary life coverage on yourself. Dependent Guarantee Issue: $10,000

If you currently have coverage you may increase coverage by $10,000 up to the guarantee issue amount at each annual enrollment with no E of I. Spouse elections and increases require EOI. All Child is GI, EOI not required. Payroll Deductions:

Age Banded rates. Based on your tobacco status and age as of 01/01/2016. Deductions will be calculated online.

21

Short Term DisabilityElimination Period for Accident or Sickness is 14 days or the period for which you receive sick leave, whichever is longer.Benefit Amount: 60% of Your Basic Weekly Salary to a maximum of $1,500 per week. Max. Benefit Duration is 15 weeksLate Entrant Penalty (Physical Disease, Pregnancy, Mental Disorders: EP= 60 days for first 12 mos. of coverage.)

Payroll Deductions:Age Banded rates. Based on your salary and age as of 01/01/2016.

Deductions will be calculated online.

22

Long Term DisabilityForsyth County Schools provides Long Term Disability coverage to all eligible employees at no cost. Benefits begin after the 120th day of disability Benefit Amount: 60% of Your Basic Monthly Salary Maximum Benefit Period: SSNRAMaximum Monthly Benefit Amount: $7,000

23

Long Term CareLong Term Care is the type of care you may need if you couldn't perform the basic activities of your daily living. These activities include bathing, dressing, using the toilet, transferring from one location to another, continence and eating, or if you suffer a severe cognitive impairment from a condition such as Alzheimer's disease. Based on the available plan options and the plan you choose, the care you receive could be provided in your home, in an assisted living or residential care facility, or in a skilled nursing facility like a nursing home.Coverage is available for you, your spouse, your adult children, parents, grand-parents or in-lawsFacility & Professional Home Care Benefit AvailableBenefit Options: $1,000 up to $8,000 monthlyBenefit Duration Options: 3 yrs., 6 yrs. or UnlimitedPolicy is Portable

24

Flexible Spending AccountsTwo separate accounts- Medical Spending Account and Dependent Care Spending AccountAllows you to set aside pre-tax dollars to spend on qualified expenses, saving on your taxable incomeMust make new elections for 2016 online (no paper)

25

Flexible Spending Accounts Medical Spending Account Maximum contribution of $2,550 Some eligible expenses- Deductibles, copayments, dental & vision expenses

Dependent Care Spending Account $5,000 for married couple filing joint income tax returns, $2,500 if unmarried or married and

filing separate income taxes Some eligible expenses- any care of a dependent that allows you and your spouse to work:

day care, in-home careRollover – can have up to $500 left at the end of the 2015 plan year to use in

2016 for your Medical Spending Account

26

New!!! Accident Coverage

Covers accidents on and off the jobGuaranteed Issue$50.00 Wellness BenefitExamples of covered injuries include: broken bonesburnsruptured discs torn ligamentsconcussioncuts repaired by stitches

Payroll Deductions:Employee Only: $15.33 Employee + Spouse: $24.71 Employee + Child(ren):$27.33 Employee + Family: $36.71

Some covered expenses include: emergency room treatmentoccupational therapyoutpatient surgery facilitydoctor office visitchiropractic visithospitalization

Accidents happen in places where you and your family spend the most time – at work, in the home or during sports and leisure activities.

27

Resource Center & Enrollment

28

Benefit Resource Center The Benefit Resource Center provides you with the most up-to-date information on the many valuable benefit options available to you through Forsyth County Schools. Here you can easily access your Benefit/Enrollment Guides and summaries; connect to your enrollment portal(s), both State Health and ShawHankins as well as access forms & customer service resources.

Website:www.Shawhankinsbenefits.net/fcs/

(the link is also available at the Forsyth County Schools website under both the Finance and Human Resources Departments)

29

ShawHankins bSwift Enrollment Portal

It is MANDATORY for each employee to enroll or decline coverage on the ShawHankins Enrollment Website. This year you MUST enroll or decline in the FSA plan/Section 125 online (NO LONGER A PAPER FORM) as well as verify your and your dependent information, make changes to your dental, vision, life and disability coverage and review/update your beneficiaries for life insurance. Website:

www.forsyth.bswift.com

(the link is also available at the Resource Center and Forsyth County Schools website under both the Finance and Human Resources Departments)Username: Your last name plus the last four digits of your SS# (ex.

doe4567)Default Password: The last four digits of your SS# (ex. 4567)You will then be prompted to create a permanent password.

At the bswift website enter your Username and Default Password.

30

Please Remember… To make your medical elections you will log onto myshbpga.adp.com & pre-register if needed. Otherwise, follow the

instructions starting on page 6 of the State Health Decision Guide.

If you are currently enrolled and do not go online and make an election you will be default enrolled in your current plan, coverage tier and tobacco status. If you are currently declined and you do not go online and make an election, you will remain as “declined”. (Any applicable new plan year premiums will be applied.)

Your FSA elections do not roll-over. You are required to go to the Forsyth bswift online enrollment portal (www.forsyth.bswift.com) to elect or waive the FSA/Section 125 Plan, verify your personal & dependent data as well as re-assign/confirm your Beneficiaries for Life Insurance even if you are not making changes.

Your deadline to enroll is 11:59 p.m. on November 6th .

ShawHankins Service Center- can answer questions on all benefits, including general questions about state health 1-800-994-7429

The link to this presentation is available under the Finance Department Web page as well as in the Benefit Resource Center and the Home page in the ShawHankins bswift enrollment portal.

31

Important NoticeThe information provided in this presentation is a summary of changes for the 2016 Plan Year. It is intended only to highlight principal benefits. All carrier policy certificates, contracts, etc. will govern should a conflict arise related to the information contained in this presentation. This presentation does not establish eligibility to participate in or receive benefits from any benefit plan.