Mt. Vernon Community School Corporation Benefit Guide
2025 Employee Benefits: 1/1/25-12/31/25
Mt. Vernon Employee Benefits th nd 2025 Open Enrollment November 12 – 22
Your 2025 Benefits At Mt. Vernon Community School Corporation, staff are provided professional development opportunities and tools for an effective learning Watch Video environment, making MVCSC the central region's #1 place to teach. We offer rewarding career opportunities in Hancock County, where both students and staff are able to succeed and thrive in their definition of success. Jennifer Thomas Onboarding & Benefits Specialist [email protected]

Eligibility Employees Spouse & Legal Dependents Qualifying Events All full-time employees working at least 30 hours per Your children are eligible for medical, dental, and vision to You may make a change to your benefits if you have a week, or more are eligible for the benefits program. age 26. Your children of any age are also eligible if they are qualified status change such as: marriage You may insure yourself and eligible family members incapable of self-support due to a disability. divorce, birth/adoption, death, changes in spouse’s under the program. benefits, and more.
How Does Our Health Plan Work? Carrier MVCSC Pays You Pay Medical UMR HSA Lively, GBC Bank, FCFCU Dental Delta Dental Vision VSP VIDEO: What is Self-Funded Basic Life and AD&D and New York Life Insurance? Long-Term Disability Voluntary Life and AD&D New York Life Whole Life Boston Mutual Accident & Illness Aflac EAP IU Health

Employee Cost Coverage through UMR MEDICAL PPO PLAN HSA PLAN ONE HSA PLAN TWO 26 Pays 20 Pays 26 Pays 20 Pays 26 Pays 20 Pays Employee Only $83.17 $108.12 $57.27 $74.45 $35.35 $45.95 Employee + Spouse $237.66 $308.95 $174.03 $226.24 $84.51 $109.86 Employee + Child(ren) $203.70 $264.82 $149.03 $193.73 $72.43 $94.16 Family $367.20 $477.36 $276.48 $359.43 $120.72 $156.94
Medical BENEFITS For 2025, your benefits are moving from Anthem to UMR with one PPO plan option and two high deductible health plan options with an HSA.
PPO PLAN HSA PLAN ONE HSA PLAN TWO Non-embedded deductible TIER ONE TIER TWO TIER ONE TIER TWO TIER ONE TIER TWO Embedded Deductible $1,500 / $3,000 $3,000 / $6,000 $1,650 / $3,300 $3,300 / $6,600 $4,000 / $8,000 $5,500 / $11,000 (Single/Family) Out-of-Pocket Max $4,000 / $8,000 $5,000 / $10,000 $4,000 / $8,000 $5,000 / $10,000 $5,000 / $10,000 $6,500 / $13,000 (Single/Family) Coinsurance 10% 20% 10% 20% 10% 20% Preventive Care Covered Covered Covered Covered Covered Covered Primary Care $30 $60 Deductible + Deductible + Deductible + Deductible + coinsurance coinsurance coinsurance coinsurance Specialist Visit $50 $100 Deductible + Deductible + Deductible + Deductible + coinsurance coinsurance coinsurance coinsurance Emergency Room $250, then deductible + coinsurance $250, then deductible + coinsurance $250, then deductible + coinsurance Urgent Care Centers $75 Deductible + Deductible + Deductible + Deductible + Deductible + coinsurance coinsurance coinsurance coinsurance coinsurance Embedded Deductible $6,000 / $12,000 $6,600 / $13,200 $11,000 / $22,000 Out-of-Network Benefits Out-of-Pocket Max $12,000 / $24,000 $13,200 / $26,400 $22,000 / $44,000 Coinsurance 50% 50% 50%

UMR Mobile App & Desktop Portal 1 Store & Easily Access Virtual ID Cards 2 Manage Claims for You & Your Dependents 3 Track Your Deductible & Out-of-Pocket Max Totals 4 Find In-Network Providers Download the UMR App View Your UMR Portal
Prescription DRUGS TrueScripts provides you with personalized support to help you manage and reduce your prescription drug costs. You can contact TrueScripts whenever you have questions or need help navigating your pharmacy benefits. View recent claims, find a pharmacy, check drug prices and more. Call 844-257-1955 or visit the portal below. TrueScripts Member Portal
PPO PLAN HSA PLAN ONE HSA PLAN TWO Retail Prescriptions: $35 $35 0% Tier 1: Generic after deductible after deductible Retail Prescriptions: $65 $65 0% Tier 2: Preferred after deductible after deductible Retail Prescriptions: $100 $100 0% Tier 3: Non-Preferred after deductible after deductible Retail Prescriptions: $200 $200 0% Tier 4: Specialty after deductible after deductible Mail Order Prescriptions: $70 $70 0% Tier 1: Generic after deductible after deductible Mail Order Prescriptions: $130 $130 0% Tier 2: Preferred after deductible after deductible Mail Order Prescriptions: $200 $200 0% Tier 3: Non-Preferred after deductible after deductible Mail Order Prescriptions: $400 $400 0% Tier 4: Specialty after deductible after deductible Out-of-Network prescriptions are not covered.
Health Savings ACCOUNT A Health Savings Account (HSA) is available to those enrolled MVCSC contribution up to in a High Deductible Health Plan. HSA funds can be used for a wide variety of qualified medical expenses all tax-free. Any unused earnings rollover from year-to-year. $1,750
HSA CHANGES Lively A modern HSA platform providing intuitive online We are updating our Health Savings Account (HSA) offerings to streamline your tools, no hidden fees, and the flexibility to invest experience. Beginning in 2025 you will need to open an HSA account with Lively, GBC Bank your HSA funds. Visit their website > or Financial Center First Credit Union (unless you already have one with one of these three vendors). Mt. Vernon Community School Corporation will only be able to payroll deduct contributions into accounts at these three institutions. Financial Center First Credit Union If you choose to keep your current HSA account at a different institution, your existing funds will remain available, but no new contributions will be directed to that account. A trusted local credit union offering personalized When you select one of these three new institutions, you can either roll over your existing HSA management with competitive rates and easy HSA funds or start fresh, while continuing to use the old account until it's empty. access to accounts. Visit their website > Next Steps: 1. Review Vendor Options: Explore Financial Center First Credit Union, Lively, and GBC Bank to find the best fit for your needs. GBC Bank 2. Make Your Selection: Choose your new HSA vendor for future contributions, then A regional bank that offers comprehensive HSA decide whether to keep your old HSA until it’s empty or roll them over to your new services, including convenient online banking and account. investment options. Visit their website > 3. 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. 4. Update Payroll Information: Ensure your payroll deductions are updated to reflect your new HSA vendor.
HSA PLAN ONE HSA PLAN TWO Contributions Contributions Employee $250 $750 Employee + Employee & $500 $1,250 Watch This HSA Video to Learn Spouse + Child(ren) More Family $750 $1,750 PPO Plan is not eligible for an HSA. The 2025 annual max contribution is $4,300 for an individual and $8,550 for families. View Qualified Expenses

HSA Consumer Experience Doctor Visit Amount Owed EOB Bill Received Pay with HSA Visit your healthcare provider and The health plan will share the The health plan send you the Your doctor will then send you You can use your HSA funds the office will submit the claim to amount you owe with your Explanation of Benefits (EOB). a bill. to pay the bill from your your health plan. doctor. doctor.
DENTAL DELTA DENTAL OF INDIANA 225 S East St Indianapolis, IN 46202 317-842-4022 Dental Coverage with Delta Dental KRISTEN JONES Group Delta Dental PPO Delta Dental offer three levels of benefits coverage; PPO Dentist, Premier Dentist, and Non-Participating Dentist. Find providers, view your ID card, and more online or using the mobile app. PPO Coverage - Offers significant discounts; no balance billing; acceptance of processing policies; and 108,000 dentist locations Premier Coverage - Negotiated fees; no balance billing; acceptance of processing policies; and 186,000 dentist locations Non-Participating Coverage - Balance billing and does not offer discounts Online Portal Download the App
Deductible $25 / person to a max of $75 / family Annual Plan Maximum $1,000 / person Diagnostic Preventive Services You Pay 0% Exams, Cleanings, Fluoride, and space maintainers Basic Services X-rays, filings/crown repair, root canals, extractions, crowns, You Pay 50% relines/repairs to bridges, implants and dentures Major Services You Pay 50% Prosthodontic Services: bridges, implants and dentures Orthodontia Services You Pay 50% Orthodontia Lifetime Maximum $500 PPO Coverage - Offers significant discounts; no balance billing; acceptance of processing policies; and 108,000 dentist locations Premier Coverage - Negotiated fees; no balance billing; acceptance of processing policies; and 186,000 dentist locations Non-Participating Coverage - Balance billing and does not offer discounts
VISION Vision coverage with VSP Vision Care Network Online Portal
IN NETWORK OUT-OF-NETWORK Exam $10 copay $42 allowance Glasses Lenses $40 allowance (Single / Bifocal/ Trifocal) $0 copay $60 allowance $80 allowance $10 copay Glasses Frames $140 allowance $45 allowance 20% discount on remaining Contact Lenses Covered in full / $210 allowance / (Medically Necessary / Elective) $120 allowance $105 allowance Materials copay is $10 applied to lenses and frames. Exams, Lenses, contacts are paid out every calendar year. Frames are paid out every 24 months.
4 Ways to SAVE ON HEALTHCARE AVOID CUT Rx SHOP STAY THE ER COST AROUND HEALTHY FOR TRUE EMERGENCIES DON’T COMPARE DRUG PRICES & TALK UTILIZE THE UMR PORTAL TO FIND LIVE A HEALTHY LIFESTYLE HESITATE TO CALL 911 OR GO TO TO YOUR DOCTOR ABOUT THE BEST CARE AT THE BEST PRICE. THROUGH REGULAR MOVEMENT THE EMERGENCY ROOM. LOWER COST OPTIONS. & HEALTHY EATING HABITS. LAB WORK & IMAGING SERVICES WHEN POSSIBLE, UTILIZING A UTILIZE COUPONS & SERVICES LIKE ULTRASOUNDS, X-RAYS, CT REGULARLY VISIT YOUR WALK-IN CLINIC OR URGENT LIKE GOODRx, Rx HELP CENTERS, SCANS, BLOOD DRAWS, ETC. ARE PRIMIARY CARE PHYSICIAN. CARE WILL SAVE YOU TIME AND OR THE COSTPLUS DRUG COSTLY. RESEARCH PROVIDERS MONEY FOR THE SAME COMPANY. BEFORE YOU MAKE AN APPT. SERVICES. SCHEDULE YOUR ANNUAL PHYSICAL & PREVENTIVE CARE APPOINTMENTS. $ $$ $$$ $$$$
Flexible Spending Accounts Watch This FSA Video to Learn 1 Flexible Spending Accounts (FSA) are set up to pay for many of out-of- More pocket medical expenses with tax-free dollars. The FSA account holder GENERAL sets aside a pre-tax dollar amount for the year used to pay for medical PURPOSE FSA expenses. Unused FSA funds can expire at the end of the year. General Purpose FSA 1 An FSA is an alternative to an HSA. FSAs are typically paired with a PPO plan while an HSA is paired with an HDHP. HSA funds can 2 be used on various medical, dental, and vision related expenses. View Eligible Expenses DEPENDENT CARE ACCOUNT 2 Dependent Care Account (DCA) 2 A DCA is a tax-free spending account for dependent care expenses such as daycare, preschool, or day camps for any dependent under the age of 13 or who is physically or mentally incapable of self-care. Learn More About Your DCA

Additional BENEFITS Mt. Vernon Community Schools Corporation provides full- time employees with basic life insurance and disability income protection at a low employee cost.
Basic Life and AD&D, Long-Term Disability, and financial coaching benefits are open at no cost to full time employees. Basic Life and AD&D Free Financial Coaching The employer-paid basic life and accidental death & Your Money Line provides expert guidance and dismemberment insurance policy is available to all full-time tools to help you on your unique financial journey. employees. Visit Steele Benefits system or talk to HR for full Net worth calculator, budgeting, debt reduction, details on this benefit and coverage. college aid coach, help with bills, investment courses, and more. Register at yourmoneyline.com/mvcs, call 833.890.4077, or email [email protected] Long-Term Disability Employer-paid long-term disability protects your income for a period of time due to illness, maternity leave, or an accident not related to your job. Benefits are payable after 90 days of disability. Your benefit amount is 66.7% of your monthly earnings. Max benefit is based on employment class.
Critical, Accident, and Whole Life, and Voluntary Life and AD&D are voluntary benefits open to all employees. Critical Care Insurance Whole Life Insurance Aflac critical illness coverage offers money to help you Boston Mutual whole life insurance offers protection focus on recovery in the event of serious illness. Benefit beyond your working years. It combines guaranteed features include coverage for the employee, their spouse premiums, death benefits, and cash accumulation. and their children and the ability to customize the benefit With whole life insurance you choose the amount of volume. Employees and spouses are covered for $20,000 insurance or the amount of premium that best suits and their children for $5,000-$10,000. your need and budget. Accident Insurance Voluntary Life and AD&D Aflac accident insurance helps pay for unexpected Employees have the option to purchase additional life expenses due to accidents that occur every day—From insurance. the soccer field to the ski slopes and the highway in Employee Benefit: Increments of $10,000 up to $500,000. between. This insurance provides benefits due to covered Guarantee issue of $200,000. accidents for initial care, injuries and follow-up care. Spouse Benefit: Increments of $5,000 up to $250,000. Guarantee issue of $25,000. Child(ren) Benefit: Up to $10,000. Guarantee issue of $10,000.
Health & Wellness MVCSC Employee Clinic next to the Hancock Health Wellness Center 8535 N. Clearview Drive, Ste. 700 (enter CLINIC door #1), McCordsville, IN 46055 Hancock Well-Being At Work Primary Care Gateway/Mount Comfort Rd. (Chelsea Lock, NP) Primary health care services including sick visits, care for chronic illness, free lab 6189 John L. Modglin Drive, Suite 202, tests, and blood work. Greenfield, IN 46140 Free Medicine Hancock Well-Being At Work Greenfield (Lori Deemer, MD) Medicine prescribed by the clinic provides and available at the clinic is at no charge 1515 North State Street, for MVCS employees and covered dependents participating in our medical plan. Greenfield, IN 46140 Virtual Visits Virtual appointment slots are available on Fridays from 12:00 p.m. to 3:00 p.m. Hancock Family Practice New Palestine (Chelsea Lock, NP) 4055 Roy Wilson Way, Ste. 110, New Learn More & Book an Appt Palestine, IN 46163
Employee Assistance Mental Health Counseling Provides confidential, short-term counseling services to help employees manage stress, anxiety, PROGRAM depression, and other mental health concerns. You and your household members have access to IU Health Legal Assistance Employee Assistance Program (EAP) to help with the everyday challenges of life that may affect your health, family Offers access to legal professionals for consultations life and desire to excel at work. and guidance on personal legal matters such as family law, estate planning, and landlord-tenant IU Health’s EAP provides resources to assist with personal disputes. and job-related issues. You and your eligible family members can access eight face-to-face, confidential sessions with a Financial Wellness counselor, financial planner, or attorney each calendar year. Provides financial counseling and resources to help employees manage budgeting, debt, savings, and Call 317-962-8001 or 800-745-4838x2 overall financial well-being. 8:00am – 4:30pm EST Monday - Friday
Required Dependent Information In order to enroll your dependents in benefits, be sure to have the following information available: Full Name, Date of Birth, ENROLL Social Security Number and Address (if different than yours). 1. Open a web browser and navigate to ONLINE aflacatwork.com/enroll. 2. Enter the following information: User name: Full SSN with no spaces or dashes You will use the Steele Benefits enrollment platform to make New Pin Number: The Last 4 digits of your SSN + Last 2 of Hire and/or Open Enrollment elections, view your current elections, your birth year make life event changes, update family and/or beneficiary 3. Click the Log In Button information, access benefit materials, and more. Looking for one- 4. Click Next to start your enrollment on-one enrollment help? Call Steele Benefits at 574-821-6025. 5. Enter your dependents by selecting the plus(+) sign 6. Follow the prompts to enroll in each benefit and click the Next button to navigate through the screens Enroll Online 7. Once you are enrolled, you will see your confirmation page where you will enter your PIN Number to confirm your elections. 8. Congratulations! You have successfully enrolled! You will receive an email copy of your confirmation page