Thank you for choosing to work for Roanoke City Public Schools.
The district offers a total compensation package which includes competitive salaries, with
one of the highest starting teacher salaries in the region, and a medical plan in which
RCPS pays an average of 90% of the cost.
Salary and benefits are important in ensuring that you are able to focus on what matters:
taking care of your family and taking care of the students who enter our doors every
day.
There is no greater purpose than serving our community by giving students the tools they
need to be successful.
As a teacher, administrator, or support staff member for Roanoke City Public Schools, you
play a critical role in making sure students are prepared for life.
RCPS wants to make sure that you understand your medical plan options, so you can make
the best choice for you and your family's needs.
Let's take a look at what is new this year in benefit offerings.
For the first time, in many years, there is NO rate increase in premiums for 2019.
One way that we were able to keep costs down is that we are changing pharmacy providers
to Express Scripts.
Express Scripts is the largest pharmacy benefit company in the United States.
While some individual prescription coverage will be affected, the net effect will produce
a plan that is equal to the one it is replacing.
You will receive a new, separate pharmacy benefit card.
We're also pleased to introduce Real Appeal to our employees.
It's an online weight loss and health mentoring program that provides you with a personal
coach to help you customize a plan that's right for you and keep you on track to meeting
your goals.
Real Appeal will replace our current weight management program; however, we will continue
reimbursements for services incurred through December 31, 2018.
Rally is also a part of your plan.
Rally is a website and app that helps you eat smarter, exercise more efficiently, and
stress less.
Think of this as a wellness tracker for your phone!
We're excited about these plan enhancements.
To help you decide which medical plan option is the best fit for you and your family, it
is important that you understand certain terms so you can compare.
First is deductible.
A deductible is the amount you pay for covered health care services before your insurance
plan starts to pay.
For example, with a $500 deductible, you pay the first $500 of covered services yourself.
The second term is co-insurance.
After you pay your deductible, you pay co-insurance for eligible medical services (you pay 20%
and the medical plan pays 80%).
Co-pays are the amount you pay under certain plans for office visits and prescription drugs.
The out-of-pocket maximum is the most you'll have to pay for covered services in a plan
year.
After you reach your deductible, and go into coinsurance, there is a maximum out-of-pocket
dollar amount.
Once you meet the maximum out-of-pocket, your health plan pays 100% of the costs of covered
benefits.
Now that definitions are covered, it's important to know that no matter which plan you choose,
you will have access to the following:
Preventative care- in most cases there is no cost.
This includes an annual physical, well-baby visits, and certain testing like mammograms
and prostate screening.
Wellness Incentive: A $500 credit from RCPS for your annual physical, so long as it is
completed in 2019 by to September 30.
Virtual visits are a convenient way to access a health care provider through a computer
or smartphone.
It's ideal when your doctor is not available and you or a family member have a minor illness.
Many common ailments which can be addressed through a virtual visit are shown here.
The Diabetic Health Plan covers the cost of specific diabetes supplies and related prescription
drugs with lower co-pays or no copays for doctor visits.
Now let's talk about the three plan options you have for health coverage through UnitedHealthcare
and Roanoke City Public Schools.
Before we get started, it's important to understand that all plans offer access to
the same network of doctors and hospitals and the same preventive care benefits.
What is different is the way you access your benefits and the costs associated with your
coverage.
The High Deductible Health Plan with Health Savings Account, or HSA, allows you to accumulate
funds in a bank account, deposited by RCPS on your behalf, as well as your own pre-tax
contributions, to cover health care expenses toward your deductible.
Benefits of the HSA plan include: • NO premiums
• RCPS contributes to the account • The HSA account can be used to cover medical
and other qualified expenses • There is a triple tax advantage- dollars
go in tax free, are not taxed when used, and grow tax free.
• All money belongs to the employee and is portable
• Unlimited rollover/growth potential
Other things to consider: • The Deductible is the highest of any plan
offered by RCPS • The Out-of-Pocket Maximum is higher
• Doctor's visits and prescription costs are subject to the deductible and you pay
the full cost- there are no co-pays • You should be prepared for upfront costs
if you have medical needs before there is enough money in your HSA account to cover
the expense.
The 2019 IRS maximum employer and employee contribution is $3,500 for an individual and
$7,000 for a family.
HSA catch-up (for ages 55 and older) is $1,000.
Check your Enrollment Benefits guide for a complete list of eligible expenses.
Here are some examples.
Another option is the Health Reimbursement Account or HRA Plan, a medical plan coupled
with an account funded by Roanoke City Public Schools.
In the HRA, if you have a medical situation and you reach the access point, you've spent
$1000 out-of-pocket.
Once you reach your access point of $1000, the district contributes either $1000 (if
employee only) or $2000 (family) to cover medical expenses.
Disbursements from the HRA are used to pay for qualifying medical expenses and there
are limits to how much can rollover from one year to the next.
The Benefits of the HRA are: • It's the lowest premium available
• Reasonable co-pays • RCPS contributes $1000/$2000 once access
point is reached • Lower deductible
• Can use standard Flexible Spending Options
Other considerations • Money in HRA belongs to RCPS
• Limits to district dollars rolling over
The third option offered by RCPS is the Traditional POS plan which offers a low deductible and
low co-pays with a higher monthly premium cost.
The Benefits include • Lowest deductible and Out-of-Pocket Max
• Lowest copays • Pharmacy and office visits are not subject
to the deductible
You should also consider: • It has the Highest Premium/Greatest Cost
• No additional dollars provided by the RCPS
To determine the plan that is right for you look at the following:
Step 1: Go to www.myuhc.com to review your medical expenses to date.
You can get a good estimate of your annual, ongoing regular medical and pharmacy costs
and estimate what your costs will be for 2019.
Step 2: Compare the costs of each plan on an annual basis.
You want to create a "What if" scenario.
Total the annual premium costs.
Add the deductible (or in the case of the HRA the access point).
This represents your total cost before you would access co-insurance (you pay 20% and
plan pays 80%).
To further estimate total risk, then look at your out-of-pocket maximum.
Once you have the complete picture, make the choice that covers you and your family's
likely expenses at the least possible cost.
You decide the risk.
RCPS offers these three plans because we know that our employees are not alike.
We are confident that one of the plans is the right match for you and your family- as
well as for your pocketbook!
Detailed information is available about the three medical plan options as well as vision,
dental and voluntary insurance programs in the 2019 Benefits Enrollment Guide.
As a reminder, Employee-only dental is at no cost and basic vision is at no cost as
an election with your medical plan.
You can buy an enhanced dental and vision plan for greater coverage for things like
braces and glasses.
RCPS benefits don't stop with medical, dental and vision coverage.
Other benefits offered include:
Employee Assistance Program- is a confidential service, to provide assistance with a variety
of personal problems including relationship, emotional, financial, substance/alcohol abuse
issues.
The first visit is free!
Employee Hotline is a confidential 24/7 resource for employees to report any concerns.
The hotline is managed by a third-party and is accessible via web or telephone.
Flexible Spending Accounts are available for dependent care and medical costs.
It is a way to set aside pre-tax dollars for daycare and/or medical expenses before your
out-of-pocket maximum is reached on the HRA and Traditional POS plan.
A limited FSA is available for the HSA plan for dental and vision needs.
Voluntary retirement plans 403b, 457 and Roth supplement your VRS benefit by setting aside
pre-tax dollars today.
Voluntary insurance coverage for accident, disability, cancer and serious illness are
available through AFLAC and Allstate.
You are the most important asset to ensure the success of RCPS.
For further details about the health plan options and other benefits, consult your 2019
Benefits Enrollment guide and the Roanoke City Public Schools Human Resources department
webpage.
There will be several enrollment meetings during Open Enrollment and you can always
reach HR at 853-2502.
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