2027 Employee Benefit Guide

This PDF provides details on the 2027 benefits available to employees, including enrollment and resource information.

Enroll in Benefits 2027 Employee Benefit Guide

The health and financial security of you and your family is important to us. Our benefit program provides plans that can enhance the lives of you and your family – both now and in the future. As an eligible employee, you will be asked to make decisions about the employee benefits described in this guide. Take time to read it carefully and use the available resources to ensure you make the decisions that are right for you and your family. Your Employee Benefits 2027 PLAN YEAR

Who is eligible for benefits? Qualifying Events You may make a change to your enrolled benefits if you have a qualified status change, such as: marriage, divorce, birth of a child, adoption, death, changes in spouse’s benefits, and more. Spouse & Legal Dependents Your children and spouse are eligible for the medical, dental, and vision plan to age 26. Your children of any age are also eligible if they are incapable of self-support due to disability. Full-Time Employees All full-time employees working at least 7 or more hours per day and more than 183 days per school year are eligible to enroll in our benefit plan program. You may insure yourself and eligible family members.

Who pays for benefits? Coverage Carrier MVCSC Pays Employee Pays Medical UMR Dental Delta Dental $1 per year Vision VSP Vision $1 per year Basic Life + AD&D New York Life $1 per year Voluntary Life + AD&D New York Life Short-Term Disability Aflac Long-Term Disability New York Life $1 per year Accident Insurance Aflac Critical Illness Insurance Aflac Hospital Indemnity Aflac Employee Assistance Program IU Health Whole Life Insurance Boston Mutual

Medical plan costs per paycheck 26 Pays (Certified Staff & Year-Round Employees) | PPO Plan | HDHP #1 | HDHP #2 | | 20 Pays | 26 Pays | 20 Pays | 26 Pays | 20 Pays | 26 Pays | | Employee | $128.15 | $98.58 | Employee | $92.13 | $70.87 | Employee | $59.01 | $45.39 | | + Spouse | $351.03 | $270.02 | + Spouse | $263.36 | $202.58 | + Spouse | $137.27 | $105.59 | | + Child(ren) | $300.88 | $231.45 | + Child(ren) | $225.55 | $173.50 | + Child(ren) | $117.65 | $90.50 | | Family | $537.47 | $413.44 | Family | $412.46 | $317.28 | Family | $196.09 | $150.84 | See Plan Coverage See Plan Coverage See Plan Coverage

For 2027, MVCSC is offering a choice between 2 HDHPs and a PPO plan available through UMR. Medical Coverage UMR UMR Member Portal

Which medical plan is right for me? Preferred Provider Organization (PPO) A PPO plan typically has higher monthly premiums but lower costs when you receive care. Many services include copays, which can make healthcare expenses more predictable throughout the year. See PPO Coverage A PPO may be right for you: • If you visit doctors or specialists regularly • If you prefer predictable copays for visits and prescriptions • If you expect ongoing medical expenses or procedures High-Deductible Health Plan (HDHP) An HDHP offers lower monthly premiums but higher upfront costs when you receive care. These plans are often paired with a Health Savings Account (HSA), which can help you save and pay for qualified medical expenses tax-free. See HDHP Coverage An HDHP may be right for you: • If you want lower payroll deductions each paycheck • If you rarely visit the doctor or use medical services • If you want to contribute to and save money in an HSA

Get instant access to the answers and support you need, when you need it. The UMR app connects you to your health plan details anytime, anywhere. Download the UMR Health App UMR • Check your benefits and coverage • Access your plan ID cards • View submitted claims • Find care and pricing • Contact UMR support • MV Policy Number: 76417302 APP FEATURES Download the App

For Employees (& Families Age 1+) The MVCSC employee health clinic will continue to provide convenient and accessible healthcare services, fostering the well-being of staff and their families who are enrolled in the MVCSC healthcare benefits plan. Hancock Health provides enhanced accessibility and comprehensive services, with a goal for MVCSC employees to be in optimum health. Employee Health Clinic MVCSC Services Example(s) Primary Care Annual exams/screenings, vaccines Free Medicine For those enrolled in a medical plan Virtual Visits Fridays from 12:00pm – 3:00pm Learn More Phone Number: 317-477-9355 Location Address 8535 N. Clearview Drive, Ste. 700 (enter MVCSC Employee Clinic door #1), McCordsville, IN 46055 Gateway/Mount Comfort Rd. 6189 John L. Modglin Drive, Suite 202, Greenfield, IN 46140 Greenfield 1515 North State Street, Greenfield, IN 46140 Hancock Family Practice New Palestine 4055 Roy Wilson Way, Ste. 110, New Palestine, IN 46163

Truescripts is a dedicated partner in pharmacy management. Use your medical ID card for services through your pharmacy provider. Prescription Benefits TRUE SCRIPTS True Scripts Member Portal

How your pharmacy benefits work 1 2 3 4 5 Show your ID card at the counter Give the pharmacist your medical (and/or pharmacy) ID card when you pick up your prescription. Your prescription is priced The pharmacy runs your prescription through your insurance and tells you what you owe at the counter. Payment process depends on plan type HDHP: pay the plan's discounted cost for prescription until you meet deductible. PPO: pay copay for covered prescriptions (deductible does not apply). As your prescription costs add up… HDHP: met the deductible? You may be responsible for a copay or coinsurance and then your plan pays the rest. PPO: copays continue, but generally will count toward your out-of-pocket maximum for most plans. OOP met? You pay nothing Once you hit your out-of-pocket maximum, the plan pays 100% of covered prescriptions for the rest of the plan year.

Rx cost control resources Search your Prescription(s) Free Rx Cost Analysis Rx Help Centers The Rx Help Centers provide members with assistance in finding resources for high-cost, brand-name medications by advocating directly on their behalf with drug manufacturers. CostPlus Drug Company Mark Cuban’s online pharmacy bypasses PBMs by offering generic medications directly to consumers with transparent pricing models: the cost of drug + 15% markup + pharmacy fee. Search your Prescription(s) GoodRx Compare prescription drug prices and find discounts at local pharmacies. You simply search for your medication, choose a pharmacy, and show the GoodRx coupon when you pay.

Find providers, view your ID card, and more online or using the Delta Dental member portal below. Dental Coverage DELTA DENTAL Delta Member Portal

Delta Dental Plan In-Network Deductible (Single/Family) $25 / $75 Annual Plan Maximum $1,000/person Preventive Services You pay 0% Basic Services You pay 50% Major Services You pay 50% Orthodontia Services You pay 50% Orthodontia Lifetime Maximum You pay 50% up to lifetime maximum of $500

Download the App Delta Dental’s free mobile app makes it easy for you to make the most of your dental benefits so you can maximize your oral health, wherever you are. Download the Delta Dental App DELTA DENTAL • Check benefits and claims • Find a dentist near you • View mobile ID card • Toothbrush timer APP FEATURES

View copays and deductibles, check on claims, find an eye doctor and get special offers for vision care. Vision Coverage VSP VISION VSP Member Portal

VSP Vision Plan In-Network Out-of-Network Benefit Frequency Eye Exam $10 copay $45 allowance 1x every year Eyeglass Frames $10 copay $140 allowance, then 20% discount on remaining balance $70 allowance 1x every 2 years Lenses (Single/Bifocal/Trifocal/Lenticular) $25 copay $30 - $65 allowance 1x every year Contact Lenses (Conventional) $120 allowance $105 allowance 1x every year Contact Lenses (Medically-necessary) Covered in full $210 allowance 1x every year

Tax-Free Savings Account Health Savings Account HSA Video A Health Savings Account (HSA) helps you save pre- tax dollars through payroll that can be used for copays, deductibles and other everyday health- related purchases. Here’s what to know: • It is a bank account you open and own *HDHP #1 *HDHP #2 2027 IRS | • The money in your account rolls over year-to-year | Dependent(s) | Contributions | Contributions | Max Limit | | • The money is never taxed on qualified expenses | | Employee | $500 | $1,000 | $4,500 | | • PPO plan enrollees are not eligible for an HSA | | + Spouse | $750 | $1,500 | $9,000 | | Eligible Expenses | + Child(ren) | $750 | $1,500 | $9,000 | | Family | $1,000 | $2,000 | $9,000 | *MVCSC will match employee contributions to HSAs dollar-for-dollar, up to the maximum allowable limit, and only when employees make their own contributions. Age 55 or older? There is an additional $1,000 catch-up contribution amount allowed by the IRS.

Review Vendor Options: Explore FCFCU, Lively, and GBC Bank to find the best fit for your needs. Set Up Your New Account: Contact your selected new vendor to set up your account and, if applicable, arrange for a rollover of existing funds. You may also contact HR for assistance with setting up your Lively or FCFCU accounts in their respective online portals. Update Payroll Information: Contact HR to ensure your payroll deductions are updated to reflect your new HSA vendor. Pick your preferred platform to open an HSA Institution How to Get Started Lively Email jennifer.thomas@mvcsc.k12.in.us Financial Center First Credit Union Email jennifer.thomas@mvcsc.k12.in.us GBC Bank Open an Account

Paying a bill with your HSA 1 2 3 4 5 You get healthcare Visit a doctor or healthcare provider. After your visit, they send the claim to your health plan. Plan calculates what you owe Your health plan reviews the claim and calculates how much you’re responsible for paying. You receive the explanation Your health plan sends you an explanation of benefits (EOB) showing what was covered and what you owe. You receive the bill Your healthcare provider will then send you a bill for the amount you owe after insurance. Pay with your HSA Use your health savings account funds to pay the bill—or reimburse yourself if you paid out-of-pocket.

Shop HSA Store In addition to paying for prescriptions, copays, and deductibles - you can spend your HSA dollars on a wide range of eligible health-related essentials. Shop Eligible Items on the HSA Store HSA STORE • First-aid and diagnostic supplies • Over-the-counter medicines • Skin and suncare products • Eye and ear care products • Weight loss: eligible GLP-1 medications • Brand names: OURA Ring, Warby Parker, and BetterHelp ELIGIBLE ITEMS Eligible Expense List

A Flexible Savings Account (FSA) lets you set aside pre-tax dollars through payroll that can be used for copays, deductibles, and other everyday health-related purchases. • It’s an employer-sponsored account • The money is never taxed on qualified expenses • Must be used for eligible expenses incurred during the calendar year • Once enrolled, your Lively account is automatically set up Flexible Savings Account LIVELY FSA Video FSA Type(s) Explanation General Purpose Medical, prescription, dental, & vision expenses Limited Purpose Dental and vision expenses only Dependent Care Limited to eligible expenses for dependent care Tax-Free Savings Account View Eligible Expenses

Shop FSA Store The FSA Store lets you shop a wide range of health-related, IRS-approved expenses that you can pay for with your Flexible Spending Account. Shop Eligible Items on the FSA Store FSA STORE • First-aid and diagnostic supplies • Over-the-counter medicines • Skin and suncare products • Eye and ear care products • Weight loss: eligible GLP-1 medications • Brand names: OURA Ring, Warby Parker, and BetterHelp ELIGIBLE ITEMS Eligible Expense List

MVCSC provides full-time employees with a suite of additional complementary and voluntary benefits. Additional Benefits

Employees Pays $1 Per Calendar Year Life Insurance Video Your life and accidental death and dismemberment (AD&D) insurance provides financial protection for your loved ones if you suffer a covered accidental injury resulting in loss of life, limb, sight, hearing, or speech. It pays a benefit to the person you choose (your beneficiary) which can help cover everyday living expenses. Your elected coverage will begin to decrease incrementally beginning at age 70. Basic Life + AD&D Insurance NEW YORK LIFE View Coverage Benefit Amount Employee Based on employee class Reduction Benefit will reduce 67% at age 70, and 50% at age 75.

You have the option to purchase additional life insurance to supplement the company-provided life and accidental death and dismemberment coverage. It pays a benefit to the person you choose (your beneficiary) which can help cover everyday living expenses. Coverage decreases incrementally beginning at age 65. Voluntary Life Insurance NEW YORK LIFE View Coverage Benefit Amount Guaranteed Issue Employee Increments of $10,000 Employee $200,000 Spouse Increments of $5,000 Spouse $25,000 Child(ren) Increments of $1,000 Child(ren) $10,000 Employee Pays 100% of Premiums

Employee Pays 100% of Premiums Boston Mutual Video Boston Mutual whole life insurance offers protection beyond your working years. It combines guaranteed premiums, death benefits, and cash accumulation. With whole life insurance you choose the amount of insurance or the amount of premium that best suits your need and budget. Enrollment is offered one time annually during open enrollment. Whole Life Insurance BOSTON MUTUAL Learn More Plan Feature Explanation Catastrophic Loss Rider Option Provides you and/or your spouse additional financial protection should you lose your ability to care for yourselves. It provides a monthly benefit if you experience a loss of two or more daily living activities. It does not reduce the face amount of the life insurance policy.

Employee Pays 100% of Premiums Short-Term Disability Video Short-term disability insurance replaces a portion of your income if you’re unable to work for a limited time due to illness, injury, or pregnancy. It is designed to bridge the gap during temporary health situations, helping you cover everyday expenses like rent, groceries, and utilities while you focus on recovery and getting back to work. Short-Term Disability AFLAC View Coverage Plan Feature Details Benefit Amount 60% of weekly salary Maximum Amount $300 - $6,000 Benefits Begin 8th day after illness or 1st day after accident Benefit Duration 3 Months

Employees Pays $1 Per Calendar Year Long-Term Disability Video Long-term disability insurance provides ongoing income protection if a serious medical condition prevents you from working for an extended period. Coverage typically starts after short-term disability ends and continues until Social Security Normal Retirement Age (SSNRA). Long-Term Disability NEW YORK LIFE View Coverage Plan Feature Details Benefit Amount 66.7% of weekly salary Maximum Amount Based on employee class Benefits Begin 91st day after illness or accident Benefit Duration Until SSNRA

MVCSC Pays 100% of Premiums IU HEALTH | Employee Assistance | 1 | Mental Health Counseling | | Program (EAP) | | You and your household members have access to | | the IU Health Employee Assistance Program (EAP) to | | help with the everyday challenges. You and your | 2 | Legal Assistance | eligible family members can access eight face-to- face, confidential sessions with a counselor, financial planner, or attorney each calendar year. 3 Financial Wellness Phone Number: Get Help 317-962-8001

https://www.benselect.com/mvenroll Get enrolled in benefits through the Selerix portal using the button below. Enroll In Your Benefits SELERIX Get Started