Return to flip book view

Your BenefitsEffective September 1, 2023-August 31, 2024

When you're first eligibleAt Open EnrollmentIf you have a qualifying life eventYou must request a change to your benefits within 30 days of your lifeevent (60 days for changes involving Medicaid eligibility). Documentation may be required.Enroll nowEligibilityGetting StartedMaking benefit selectionsFor youYou are eligible for benefits as a full-time employee working at least 30 hours perweek.Enrolling in coverageYour benefit plans are in effect September 1 – August 31 each year. In general,there are three times you can make benefit selections:You may also cover your eligible dependents when you elect coverage for yourself.Your Spouse or PartnerYour benefits begin on the first day of the month following date ofemployment; this is your effective date. Be sure to submit yourselections within your first 30 days of employment. Your benefit selections will be in effect through August 31, 2024.Open Enrollment is your one chance each year to review your coverageoptions and make changes to your benefits.Your choices are in effect from September-August of the following yearunless you have a qualifying life event.Qualifying life events allow you to change your coverage during the yearoutside of Open Enrollment. These include:marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare, Medicaid, or a spouse orparent's coverage.Your ChildrenYou may cover your legal spouse or domestic partner.Dependent children are eligible: Medical, dental and vision: until age 26 regardless of student or maritalstatusChild life insurance: until age 21, or 26 if a full-time studentCovering your family

Medical insuranceSana Benefits1-833-726-2123www.sanabenefits.comFlexible Spending Accounts (FSAs)Proficient1-888-659-8151www.proficientbenefits.comDental insuranceDental SelectGroup: 120058011-800-999-9789www.dentalselect.comVision insuranceSuperior VisionGroup: 3346101-800-507-3800www.superiorvision.comLife and AD&D insuranceOneAmericaGroup: 006150881-800-553-5318www.oneamerica.comDisability insuranceOneAmericaGroup: 006150881-800-553-5318www.oneamerica.comGetting StartedContact informationYour advocate, Hannah Leonard, ishere to help you with claims, ID cards,coverage questions, and more!hleonard@onedigital.com 1-678-905-2761Monday - Friday, 8am-5pm CSTClaims & coverage assistance Benefits contactsAnnual NoticesWe’re required to tell you about certain rights and responsibilities you have asan employee of Village Tech Schools. You can request a paper copy at no charge from:Tammy Pelker, Director of Human Resources469-454-4447tpelker@villagetechschools.orgDownload now

S05 CopayS25 CopayS40 CopayE45 PlanH50 HSAIn-network careAnnual Deductible (DED)$500 per person $1,000 family max$2,500 per person $5,000 family max$4,000 single coverage $8,000 with dependents$4,500 single coverage $9,000 with dependents$5,000 per person $10,000 family maxOut-of-pocket maximum$2,500 per person $5,000 family max$5,000 per person $10,000 family max $5,000 per person $10,000 family max$7,500 per person $15,000 family max$5,000 per person $10,000 family maxPre-tax accountavailabilityHealth care FSAHealth care FSAHealth care FSAHealth care FSAHealth Savings Account (HSA)Preventive carePrimary care visitSpecialist visitVirtual visit100% covered$25 copay$50 copay100% covered100% covered$25 copay$50 copay100% covered100% covered$25 copay$50 copay100% covered100% covered$25 copay$50 copay100% covered100% coveredDED then you pay 0%DED then you pay 0%100% coveredUrgent careEmergency roomInpatient hospital care$25 copay$200 copayDED then you pay 10%$25 copay$200 copayDED then you pay 10%$25 copay$200 copayDED then you pay 10%$25 copay$200 copayDED then you pay 30%DED then you pay 0%DED then you pay 0%DED then you pay 0%Prescription drugsGeneric Preferred brand Non-preferred brand(Retail | Mail Order)$10 copay | $20 copay$30 copay | $60 copay$55 copay | $110 copay(Retail | Mail Order)$10 copay | $20 copay$30 copay | $60 copay$55 copay | $110 copay(Retail | Mail Order)$10 copay | $20 copay$30 copay | $60 copay$55 copay | $110 copay(Retail | Mail Order)$10 copay | $20 copay$30 copay | $60 copay$55 copay | $110 copay(Retail & Mail Order)DED then you pay 0%DED then you pay 0%DED then you pay 0%Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$118.59$483.34$392.14$787.29Per paycheck$77.63$393.23$314.33$656.23Per paycheck$66.54$368.82$293.24$620.73Per paycheck$24.86$277.14$214.07$487.38Per paycheck$0.00$221.85$166.31$406.95See your plan documents for out-of-network benefits.Medical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).Select from five medical options through Sana Benefits.SmithRXYour new Pharmacy Benefit Manager is SmithRx. SmithRx has over 75,000 retaillocations across the country.Website: https://smithrx.com/Support: 844.454.5201Mail Order PharmacySmithRx offers access to industry-leading mail order pharmacy partners.Mail order helps cut costs and save trips to the pharmacy by providing a 90 daysupply of most medications at discounted prices:Mark Cuban Cost Plus Drugs- https://costplusdrugs.com/ServeYouRx- https://serveyourx.com/home/ez-refill-rx/Walmart Mail-Order Pharmacy- https://www.walmart.com/cp/pharmacy-mail-order/1042239

Eligible expensesFlexible Spending Accounts (FSAs)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.2023 maximum contribution$5,000Married filing separately: contribute up to $2,500 per person.Only the amount you’ve actually contributed is available for use at any one time.Estimate carefully! Unused funds will be forfeited at the end of the year per IRSregulations.Dependent care FSAPay for eligible child or disabled adult care while you work or attend school.2023 maximum contribution$3,050Annual rollover amount$610Health careHealth care FSAPay for eligible medical, prescription, dental, and vision expenses.Health care and dependent care expenses can add up. Paying with tax-free funds can help. Enroll in one or more flexible spending accounts (FSAs) depending on yourneeds.Pay for qualifying expenses with tax-free money using your Flexible Spending Accountthrough Proficient Benefits.

Dental insuranceSelect from two dental options through Dental Select.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Copay PlanIndemnity PlanIn-network careAnnual Deductible (DED)N/A$50 per person $150 family maxAnnual maximum benefitNo Annual Maximum$1,000 per personPreventive care100% covered100% coveredBasic careCopay based on services receivedDED then you pay 20%Major careCopay based on services receivedDED then you pay 50%Orthodontic careCoverageLifetime maximum benefitNot coveredN/A50% covered (child to age 19)$1,000 lifetime max benefitYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer pay period$7.22$15.33$16.46$21.87Per pay period$19.23$44.57$48.46$71.33See plan details See plan detailsBoth plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Dental Select will pay each year for dental care (annualmaximum benefit), andwhether orthodontic care is covered.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Learn about dental care categoriesCopay Breakdown

Vision insuranceYour vision coverage is through Superior Vision.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Vision planIn-network careAnnual eye exam (every 12 months)$25 copayMaterials copay (lenses & frames)$25 copayLenses (every 12 months)Included in materials copayFrames (every 24 months)$150 allowanceContact lenses (every 12 months)Elective: $150 allowanceMedically nec: 100% coveredYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer pay period$2.97$5.08$5.38$8.08See plan detailsYou'll get an annual exam with coverage for lenses and frames, or contacts in lieu of glasses.Your vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.

See plan detailsBasic lifeBasic AD&DVillage Tech Schoolsprovides$20,000$20,000See plan detailsFor youFor your spouseFor your child(ren)Coverageincrements$1,000$500$10,000Coveragemaximum5x your annualearnings to $500,000Your (employee)coverage amount to $250,000$10,000Medicalquestion limit$50,000$25,000Does not applyWhat's AD&D?Accidental death and dismemberment (AD&D) insurance may pay:your beneficiary if you pass away due to an accidentyou a partial benefit if you lose specified bodily functions (sight,limbs, etc.)Life and AD&D insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Financial peace of mind through OneAmerica.Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance offers additional support if you pass away or are seriously injured due to an accident.Basic life and AD&D insuranceVillage Tech Schools provides life and AD&D insurance at no cost to you.Make sure to designate a beneficiary for your life insurance coverage to ensureyour family is cared for according to your wishes.Additional life and AD&D insuranceYou may also purchase additional coverage for you, your spouse, and your eligiblechild(ren).When you’re first eligible (a new hire), you can purchase additional lifeinsurance up to this limit without any medical questions required. Medical questions and approval will be required for all future increase andpurchase requests.Medical question limitComplete EOI OnlineGroup ID : 615088KN28

See plan detailsBenefits beginAccident: After 30 days of injuryIllness: After 30 days of inability to workCoverage amount60% of your income up to $1,000 per weekPayments may continueUp to 9 weeks if you’re unable to return to workSee plan detailsDisability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance through OneAmerica.Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.Short-term disabilityShort-term disability coverage can replace part of your paycheck if you’re unableto work for a shorter period of time. This coverage is available for purchase.Long-term disability Long-term disability coverage can provide lasting income protection if you remainunable to work. This coverage is available for purchase.Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $5,000 per monthPayments may continueUntil your Social Security Normal Retirement Age if youremain unable to work.Wish you knew more aboutfinances? Now you can - at no cost!If you make a disability claim within the first year of being covered, checkyour plan details to see how pre-existing condition limitations might impactyour coverage.Pre-existing condition limitations