2012-2013 Plan Year

2012-2013 Plan Year Effective September 1, 2012

PPO Plan OverviewActiveCare 1-HD, 1, 2 and 3 Plans2012-2013 Plan Year

Enrollment Summary (Employees by Plan, Feb. 2012)

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FirstCare Health Plans 2.5% Scott & White Health Plan 2.5% Valley Baptist Health Plans 0.3%

280,753 Employees • 477,346 Members (Employees and Dependents)

Cost Of Coverage

Cost of Coverage (Active Care 1-HD, 1,2,3)

• Rate increase effective September 1, 2012ActiveCare 1-HD ActiveCare1 ActiveCare2 ActiveCare 3

4% 4% 6% 9%

• Increases are driven by rising health care costs and higher use of medical and prescription drug services.

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PPO Plan Overview (Network Level of Benefits)

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Services ActiveCare 1-HD ActiveCare 1 ActiveCare 2 ActiveCare 3

Deductible (individual/family) $2,400/$2,400 $1,200/$3,000 $750/$2,250 $300/$900

Out-of-Pocket Maximum(individual/family;does not include deductibles)

$3,000/$5,000 $2,000/$6,000 $2,000/$6,000 $1,000 per individual

Coinsurance(Plan pays/participant pays)

80% / 20% 80% / 20% 80% / 20% 80% / 20%

Office Visit Copay 20% after deductible

$30for primary

$50 for specialist

$20 for primary

$30 for specialist

No Medical Plan Changes for 2012-2013

Primary means care provided by family practitioners, internists, OB/GYNs and pediatricians. All other physicians are specialists.

PPO Plan Overview (Network Level of Benefits)

Services ActiveCare 1-HD ActiveCare 1 ActiveCare 2 ActiveCare 3

Preventive Care Plan pays 100% (deductible waived)

Plan pays 100%(no copay required)

Plan pays 100%(no copay required)

Routine eye exam (one per plan year)Hearing exam

20% after deductible $30 for primary$50 for specialist

$20 for primary$30 for specialist

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• Sample services include: annual physical exams, well-woman and well-child care, routine mammograms, immunizations, routine colonoscopies, and more

• Refer to Plan Highlights on the website or see Enrollment Guide for a list of covered services when using network providers

• Covered services under this benefit must be billed by the provider as “preventive care”

Prescription DrugsActiveCare 1-HD,1, 2 & 32012-2013 Plan Year

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YOUR MEDCO PRESCRIPTION DRUG PLAN 8

• Medco administers your prescription drug plans on behalf of TRS

– ActiveCare 1-HD, 1, 2, and 3 plans• Benefit includes both a retail and mail

component• Medco has its own mail-order pharmacy –

Medco By Mail – where specialist pharmacists focus on compliance and lower cost options for the patient, and the automated filling system ensures the prescription is filled accurately.* Medco only buys medication from the most reputable suppliers

*Medco’s mail-order pharmacies fill about 2 million prescriptions per week through a highly automated process that is 99.9997% accurate and is 23 times more accurate than a retail pharmacy

“Dispensing Error Rate in a Highly Automated Mail-Service Pharmacy Practice”; Nov. 2007, Pharmacology, a peer-reviewedjournal of the American College of Clinical Pharmacy

PRESCRIPTION DRUG BENEFITS – NETWORK LEVEL

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* If you obtain a brand-name drug when a generic equivalent is available, you are responsible for the generic copayment plus the cost difference between the brand-name drug and the generic drug. Chart illustrates benefits when network pharmacies are used. Non-network benefits are also available; see Enrollment Guide for more information.

Features ActiveCare 1-HD ActiveCare 1 ActiveCare 2 ActiveCare 3Drug Deductible(per person, per plan year) Subject to plan year deductible $0 generic;

$200 brand $75

Retail Short-Term(up to 30-day supply)GenericPreferred BrandNon-Preferred Brand

20% coinsurance after deductible

$15

$35* $60*

$15

$35* $60*

Retail Maintenance(after first fill, up to30-day supply)GenericPreferred BrandNon-Preferred Brand

$20 $45* $75*

$20 $45* $75*

Medco by Mail and Retail-Plus(up to 90-day supply)Generic Preferred BrandNon-Preferred Brand

$45$105*$180*

$45$105*$180*

Specialty Medications (retail or mail) 20% coinsurance after deductible $200 per fill $200 per fill

LONG TERM CARE INSURANCE

Premiums vary by age Purchase Age Cost Per Month

Coverage for a 45-year old Age 50 $23.49Under this program can be Age 55 $32.91 as low as $17.95 per month— Age 60 $47.52Less than a dollar a day Age 65 $75.50

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PROGRAM SOURCES

Program Sources

Benefits Administrator Website Only:http://genworth.com/trsUsername: TRSADMINPassword: groupltc

Apply online or call Customer Service1-866-659-1970

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Enrollment

• Open Enrollment Periods for 2012-2013 Plan Year:– April 23 - May 25 (Spring Enrollment)– August 1 - August 31 (Summer Enrollment)

• No pre-existing condition exclusion applies except for those who previously declined coverage (may be reduced by prior creditable coverage)

• Passive enrollment – If no plan or coverage changes, then no form required

• Premium adjusted to reflect any rate change, effective September 1

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ID Cards (mailed to your home)

• PPO plans (ActiveCare 1-HD, 1, 2 and 3)– Separate cards for medical and prescription drugs

• Blue Cross and Blue Shield of Texas• Medco

– No medical plan changes; BCBSTX will NOT reissue ID cards to existing plan participants (medical plan ID cards do not expire)

– Prescription drug ID cards will be reissued by Medco for ActiveCare 2 and ActiveCare 3 plan participants

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What if I Have Questions?

• Call TRS-ActiveCare customer service for:– Claim questions/status– Network provider information– Membership and eligibility – Medical and prescription drug coverage questions– Inquiries (telephone and e-mail)– ID card requests– Transition of care information– Help with online tools!

Customer Service

1-866-355-5999

Personalized Service

Proposed 2012-2013 RISD Health Plan Rates

Heath Plans District Employee Total Contribution Contribution TRS Premium

TRS-ActiveCare 1HD $287.00 $11.00 $298.00TRS-ActiveCare 1 $287.00 $51.00 $338.00TRS-ActiveCare 2 $287.00 $173.00 $460.00TRS-ActiveCare 3 $287.00 $350.00 $637.00

EXAMPLE ONLY NOT APPROVED BY RISD

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Voluntary Benefit Review- 2012-2013

• Annual Open Enrollment- April 23- May 25 ONLY.

• Dental and Vision Carriers will be Changing.

• New Critical Illness Offering for 2012 with Guaranteed issue Opportunities.

• Every Employee should login to InRoll to Double Check and Confirm Benefit Selections for 2012- 2013.

• Please Update Beneficiary Designations and Dependent Information if Needed.

• Take Advantage of Open Enrollment Opportunities- Remember, you are responsible for the benefit elections you make. Make Sure they are correct to avoid eligibility problems in the future.

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Dental

• New Carrier for 2012-13– Lincoln Financial Group– Full Take Over of Currently Insured Employees– 3 Options Still Available- High, Medium, Low– PPO Plan Design- You can use any dentist– Benefit Structure will Remain the Same– Rates Guaranteed for 2 years

High Option Middle Option Low OptionE/O $37.18 $31.55 $17.74E+1 $72.36 $61.39 $34.52E/F $126.07 $106.97 $60.15

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Long Term Disability

• Standard Insurance – Same Carrier as last Year– 8 plan Options to Choose From- 4 short term, 4 long term– Insures Against a Loss of Income Due to Sickness or Accident– Insures up to 66 2/3% of Income– Guaranteed issue, Open Enrollment

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Supplemental Term Life

• Standard Insurance – Rockwall ISD Provides $15,000 Coverage on all Employees– Employees can Purchase Additional Coverage– Very Affordable Group rates– Coverage amounts up to $200,000 or 5 Times Annual Salary on Employee– Coverage Amounts up to 50% of Employee Amount on Spouse– Coverage Available on Children– Easy Underwriting Process- simple to complete/evidence of insurability

form is required for all enrollments.

Permanent Life Insurance

• Fidelity Life– $25,000 - $150,000 Benefit Amounts.– Premiums will Never Change.– Take the Coverage with You When You Leave Portable.– Simple Underwriting Process.– Coverage for Employee, Spouse, Children.

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Accidental Death and Dismemberment- AD&D

• Standard Insurance – Same Carrier as last Year– Coverage amounts up to $500,000 – Very Affordable Group Rates- $500,000 coverage for only $10.00– Coverage Amounts up to 50% of Employee Amount on Spouse– Coverage Available on Children– Guaranteed Issue. No Health Questions

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Critical Illness- New for 2012-13

• Lincoln Financial Group– Provides Lump Sum Benefit for Critical Illnesses

• Cancer, Heart Attack, Stroke, Quality of Life, etc.– Coverage amounts up to $20,000– Very Affordable Group Rates– Available for Employee, Spouse, Children– Guaranteed Issue. No Health Questions

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Vision

• New Carrier for 2012-13– Block Vision– Full Take Over of Currently Insured Employees– Much Improved Benefits– Premiums Remain the same– Very Large Provider Network, Including Walmart– Benefits for Exams, lenses, Frames, Contacts

E/O $7.88E+1 $14.18E/F $21.86

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Legal Plan/ Identity Theft

• Legal Plan of America– Provides Free and Discounted Legal Care– Tax Preparation and Advice– Financial Education & Credit Counseling Services– Identity Theft Solutions– Life Events Counseling

One Low Rate- $14.00

Flexible Spending Accounts

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Rockwall ISD-2012 Enrollment Calendar

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Rockwall ISD- 2012 Enrollment        

         30-Apr 1-May 2-May 3-May 4-May

RHS RHHS Dobbs Williams MS Utley MS

Mike Mike Mike Mike Mike

Joel Joel Cain MS    

    Joel    

7-May 8-May 9-May 10-May 11-MayCLP APHE Hartman Jones NebbieMike Mike Mike Mike Joel

Shannon Springer Hays    

Joel Joel Joel             

14-May 15-May 16-May 17-May 18-MayPullen Reinhardt Rochell Quest/Administration  

Mark Mark Mark Maintenance        Mike        Keith  

      Mark  

QuestionsThank you for attending

Presentation will be on the District Benefits Website next week.www.rockwallisd.comClick on Staff LinkClick on Employee BenefitsClick on Benefits Information/Education Session

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