As we prepare for the vote on Marh 23rd, please consider the following total premiums (which become prorated) and the attached language below.
Premiums: Total Monthly Premium SINGLE (S) FAMILY (F)
$25 Copay/Double Gold $562 (s) $1616 (f)
$500/$1000 Deductible CMM $460.50 (s) $1322 (f)
$2750/$5500 Deductible HSA $349.50 (s) $1004.50 (f)
CONTRACT LANGUAGE
8.1 Health and Hospitalization Insurance
8.1.1 Except as otherwise noted in Sections 8.1.3.b. and 8.1.3.c., Tthe School Board shall contribute a sum of not to exceed nine hundred thirty and 00/100 dollars (930.00) per month pursuant to the insurance benefit schedule described in Section 8.7., toward the premium for single or dependent coverage for each employee regularly scheduled to be employed by the School District forty (40) hours per week and twelve (12) months per year and who qualifies for and is enrolled in the School District group health and hospitalization plan. Any employee who qualifies for and is enrolled in the School District group health and hospitalization plan and who is regularly scheduled to be employed by the School District a minimum of twenty (20) hours or more per week shall receive a prorated contribution from the School District towards such coverage. The proration shall be based on two thousand eighty (2080) hours per fiscal year (July 1 through June 30).
8.1.2 Single Coverage
a. Effective with the employee’s 2010 – 2011 insurance year (as described in Section 8.7 Insurance Benefit Schedule), the School Board contribution towards the single coverage of the Open Access Choice $25 Copay Plan or its equivalent shall be up to, but not to exceed five hundred sixty-two and 00/100 dollars ($562.00) per month. Any additional cost of the premium shall be borne by the employee and paid by payroll deduction.
b. Effective with the employee’s 2010 – 2011 insurance year (as described in Section 8.7 Insurance Benefit Schedule), the School Board contribution towards the single coverage of the Open Access $500 Deductible Plan or its equivalent shall be up to, but not to exceed, six hundred twenty and 00/100 dollars ($620.00) per month. Any additional cost of the premium shall be borne by the employee and paid by payroll deduction.
Effective April 1, 2011, for any employee who was enrolled in the Open Access Choice $25 Copay Plan or its equivalent and enrolls in the Open Access $500 Deductible Plan, the School District shall provide a total one-time cash payment of three hundred and 00/100 dollars ($300.00). The one-time cash payment amount of three hundred and 00/100 dollars ($300.00) shall not be prorated for part-time employees.
c. Effective April 1, 2011, the School Board shall provide a high deductible plan with a health savings account (HSA). For any employee who enrolls in the single coverage of the high deductible Empower HSA plan or its equivalent, the School Board shall contribute a sum up to, but not to exceed, six hundred twenty and 00/100 dollars ($620.00) per month. The calculated benefit amount, which shall be prorated for part-time employees in accordance with the proration formula described in Section 8.1.1, shall first be applied towards the cost of the premium with any remaining amount up to, but not to exceed, two hundred twenty-nine and 16/100 dollars ($229.16) per month contributed to a HSA in the employee’s name. Any additional cost of the premium shall be borne by the employee and paid by payroll deduction.
Hardship: If an employee incurs one or more claims for a qualified health expense that exceeds the employee’s current HSA account balance, the School Board may, at the request of the employee, accelerate its prorated contribution to the HSA for that insurance benefit year to the extent necessary to reimburse the employee for the claim or at the School Board’s discretion, an amount up to, but not to exceed, the full HSA contribution amount to which the employee would otherwise be entitled to receive during the insurance benefit year. If an employee leaves the District prior to the end of the employee’s insurance benefit year, any unearned contribution will be paid back to the District.
April, 2011 through June 30, 2011 indemnity: If an employee’s incurred deductible expenses exceed six hundred eighty-seven and 50/100 dollars ($687.50), the School Board shall indemnify the employee for qualified deductible expenses up to, but not to exceed, one thousand one hundred forty-five and 00/100 dollars ($1,145.00). The calculated indemnity benefit will be prorated for part-time employees in accordance with the proration formula described in Section 8.1.1.
8.1.3 Family Coverage
a. Effective with the employee’s 2010 – 2011 insurance year (as described in Section 8.7 Insurance Benefit Schedule), the School Board contribution towards family coverage of the Open Access Choice $25 Copay Plan or its equivalent shall be up to, but not to exceed, nine hundred thirty and 00/100 dollars ($930.00) per month. Any additional cost of the premium shall be borne by the employee and paid by payroll deduction.
b. Effective with the employee’s 2010 – 2011 insurance year (as described in Section 8.7 Insurance Benefit Schedule), the School Board contribution towards family coverage of the Open Access $500/$1,000 Deductible Plan or its equivalent shall be up to, but not to exceed one thousand five and 00/100 dollars ($1,005.00) per month. Any additional cost of the premium shall be borne by the employee and paid by payroll deduction.
Effective April 1, 2011, for any employee who was enrolled in the family Open Access Choice $25 Copay Plan or Open Access $500/$1,000 Deductible Plan or its equivalent for the 2010 – 2011 insurance year, the School District shall apply a credit of up to, but not to exceed, seventy-five and 00/100 dollars ($75.00) per month prorated over a per-pay-check basis towards the future premium cost of the Open Access $500/$1,000 Deductible Plan for the remainder of the 2010 - 2011 insurance year. As an alternative, the School Board may, at the request of the employee, provide the owed credit to the employee as a cash refund.
c. Effective April 1, 2011, the School Board shall provide a high deductible plan with a health savings account (HSA). For any employee who enrolls in the family coverage of the high deductible Empower HSA plan or its equivalent, the School Board shall contribute up to, but not to exceed, one thousand five and 00/100 dollars ($1,005.00) per month. Any additional cost of the premium shall be borne by the employee and paid by payroll deduction.
Effective April 1, 2011, for any employee who was enrolled in the family Open Access Choice $25 Copay Plan or Open Access $500/$1,000 Deductible Plan or its equivalent for the 2010 – 2011 plan year and enrolls in the family coverage of the high deductible Empower HSA plan, the School District shall apply a credit of up to, but not to exceed, seventy-five and 00/100 dollars ($75.00) per month prorated over a per-pay-check basis towards the future premium cost of the high deductible Empower HSA plan for the remainder of the 2010 - 2011 insurance year. As an alternative, the School Board may, at the request of the employee, provide the owed credit to the employee as a cash refund or deposit the owed credit in the employee’s HSA.
8.1.3 4 Upon termination of employment or loss of insurance eligibility, the employee will be offered an extension of insurance coverage according to the provisions of applicable state or federal law.