garden grove unified school district
DESCRIPTION
Garden Grove Unified School District. Health and Welfare Benefits 2013-2014. Benefit Package. As a benefited employee, you are entitled to a comprehensive benefits package including: Medical Dental Vision Life Insurance. Employee Contributions--Premium. - PowerPoint PPT PresentationTRANSCRIPT
Garden Grove Unified School District
Health and Welfare Benefits
2013-2014
Benefit Package
As a benefited employee, you are entitled to a comprehensive benefits package including: Medical Dental Vision Life Insurance
Employee Contributions--Premium
Taken directly from your paycheck tenthly Employee Only – $50 Employee + I Dependent – $100 Employee + 2 or More Dependents – $150
Note: Sign both lines of your Election and Authorization form for tax exempt participation
Eligible Dependents
Legally Married Spouse Marriage Certificate required
Registered Domestic Partner Proof of state registration required
Children Under Age 26 Birth Certificate required
Qualifying Event
Certain changes in your status allow you to change the dependents on your plan.
New marriage / Domestic partnership New birth / Adoption Loss of other coverage in certain circumstances
Divorce or Legal Separation requires you to remove your spouse/former spouse.
All changes MUST be made within 30 days of the qualifying event
Open Enrollment
The month of September is Open Enrollment Open Enrollment is the time to make changes
to your plan Add dependents (outside of a qualifying event) Change health or dental coverage
Changes become effective October 1st
Medical Plans
GGUSD Self-Insured PPO GGUSD Self-Insured EPO United Healthcare HMO
Preferred Provider Organization (PPO)
Office Visit Co-Pay – $25 Emergency Room Co-Pay – $100 Deductible $300 per person
Max $900 per family Participating Providers – 80% / 20% Non-Participating Providers – 70% / 30%
Plus fees that exceed allowable PPO rates Coinsurance Maximum
$10,000 in billed allowable charges Pharmacy Co-Pays – $5, $10, $35
Exclusive Provider Organization (EPO)
Office Visit Co-Pay – $25 Emergency Room Co-Pay – $100 Deductible $300 per person
Max $900 per family 100% coverage after co-pays & deductible Must use only Participating Network Providers Pharmacy Co-Pays – $5, $10, $35
Finding In-Network Providers on the PPO and EPO plan Access the Anthem Blue Cross provider search at
www.ebam.com or call EBA&M at 855-322-7606. Check before every appointment as changes can
occur throughout the year. Make sure you are seeing the provider at the
address listed. When searching by name, keep your search broad
by not indicating a specialty. If you have trouble finding a provider by name, try
searching by location.
United Healthcare HMO
Office Visit Co-Pay – $25 Emergency Room Co-Pay – $100 Hospital Admission Charge – $100 per day
$300 max per admission $2,000 out of pocket max per calendar year
Per member Must use only United Healthcare providers
Must choose a primary care physician Must see only doctors within a chosen group Must get referrals to see most specialists
Pharmacy Co-Pays – $5, $15, $30
Comparison Chart
PPO Office visit co-pay =
$25 ER co-pay = $100 Deductible =
$300/person $900/family
Network 80% / 20%
Out of network 70% / 30% of
allowable
Pharmacy co-pay $5, $10, or $35
HMO Office visit co-pay =
$25 ER co-pay = $100 Hospital Admission
Charge $300 HMO providers only
= 100% Limited to primary
care physician and group.
Primary physician referral needed for most specialists.
Pharmacy co-pay $5, $15, or $30
EPO Office visit co-pay =
$25 ER co-pay = $100 Deductible =
$300/person $900/family
Network only = 100%
Pharmacy co-pay $5, $10, or $35
Dental
Garden Grove Self-Insured Dental United Concordia
Garden Grove Self-Insured Dental Plan (Fee for Service)
Choose your own dentist Use network for
additional savings!Annual deductibles
$25 individual $75 family maximum
Annual limit – $2,000Coverage – 90% / 10%Orthodontia
Plan pays 50% $2,800 lifetime max
United Concordia (HMO)
Must use United Concordia dentists 100% coverage for most covered services Orthodontic care (limited coverage)
Employee pays $1500 for banding for those under 19 $2000 for banding for those age 19 and older
Vision Service Plan
Eye exam – $25 One eye exam per year Lenses or contact lenses every 12 months Frames every 24 months
$120 Allowance Second Pair Benefit – $200
Allowance toward 2nd pair of contacts or glasses.
Life Insurance
Death Benefit Class 1 Employees – $50,000 Class 2 Employees (management) – $70,000
Limited coverage for dependents: Spouse – $1,000 Unmarried Children
Birth to 6 months – $100 6 months to 19 years – $1000
(Full-time students to 23)
Don’t forget to keep the Insurance Department updated on beneficiaries
125 Flexible Spending Account
Tax Exempt Medical
$2,500 maximum per year $200 minimum per year
Dependent Day Care $5,000 maximum filing jointly $2,500 maximum filing singly
How to be a good consumer...
Use it don’t abuse it- we pay for it! Urgent care vs. emergency room Pharmaceutical- generic vs. brand name
prescriptions Call Insurance Department first if unsure Ask questions of your doctor and pharmacist Keep your EOBs for your records Stay in network- includes doctor, hospital,
lab, anesthesiologist, etc.
Conclusion
Forms to be completed Insurance Election and Authorization Form
Note: Pre-tax deduction authorization is for insurance premium, not flex account
Life Insurance Beneficiary Designation Form Please hand in this form before you leave
Medical Enrollment Form Dental Enrollment Form
Questions?
Please feel free to contact us with any questions regarding your coverage
Crystal Qualls 714-663-6523 [email protected]
Sylvia McMillen 714-663-6523 [email protected]
District Insurance website www.ggusd.us/departments/insurance/