Richmond Community Schools Employee Benefits

2026 Open Enrollment November 21st – December 5th Richmond Community Schools Employee Benefits

Your 2026 Benefits In 2026 we are focused on improving the health and welfare of Richmond Community Schools employees. After evaluating our past medical plan, we have decided to move forward with Anthem HealthSync network. We feel this provides our employees with the best opportunity when it comes to their healthcare experience and cost.

Employees All full-time employees are eligible for the benefits program. You may insure yourself and eligible family members under the program. Spouse & Legal Dependents Your children are eligible for medical, dental, and vision to age 26. Your children of any age are also eligible if you support them, and they are incapable of self-support due to disability. If your dependent becomes ineligible for coverage during the year, you must contact your plan administrator within 30 days. If the spouse of the Employee is employed and eligible for coverage under their own employer, this plan will not provide any coverage for the spouse. Qualifying Events You may make a change to your benefits if you have a qualified status change such as: marriage divorce, birth/adoption, death, changes in spouse’s benefits, and more. Eligibility

How Does Our Health Plan Work? Carrier RCS Pays You Pay Medical Anthem Dental PBA Vision PBA Basic Life and AD&D OneAmerica Long-Term Disability OneAmerica

Employee Cost MEDICAL Coverage through Anthem SEE THIS PLAN 26 deductions 20 deductions Employee Only $147.20 $191.36 Employee + Spouse $277.37 $360.58 Employee + Child(ren) $253.15 $329.10 Family $380.53 $494.69 26 deductions 20 deductions Employee Only $101.00 $131.30 Employee + Spouse $188.23 $244.70 Employee + Child(ren) $173.89 $226.06 Family $248.16 $322.61 26 deductions 20 deductions Employee Only $68.51 $89.06 Employee + Spouse $125.54 $163.20 Employee + Child(ren) $118.16 $153.60 Family $155.08 $201.60 HDHP 1 PPO HDHP 2

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Employee Cost DENTAL Coverage through PBA SEE THIS PLAN VISION Coverage through PBA SEE THIS PLAN 26 deductions Employee Only $2.52 Employee + Spouse $13.35 Employee + Child(ren) $15.63 Family $30.04 26 deductions Employee Only $2.31 Employee + Spouse $2.31 Employee + Child(ren) $2.31 Family $2.31

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Medical BENEFITS Introducing Anthem HealthSync. Visit a Tier 1 one network provider for the best discount. Tier 1 providers include Reid Health, Ascension St. Vincent, Franciscan Health and more. View Your Anthem Portal

Deductible (Single/Family) $2,000 / $4000 $5,000 / $10,000 $3,400 / $6,800 $5,000 / $10,000 $4,000 / $8,000 $5,500 / $11,000 Out-of-Pocket Max $7,000 / $14,000 $7,000 / $14,000 $7,000 / $14,000 $7,000 / $14,000 $7,000 / $14,000 $7,000 / $14,000 Coinsurance 20% 40% 0% 20% 20% 40% Preventive Care Covered Covered Covered Covered Covered Covered Primary Care $15 $40 Deductible + coinsurance Deductible + coinsurance Specialist Visit $30 $80 Deductible + coinsurance Deductible + coinsurance Emergency Room $250, then deductible + coinsurance Deductible + coinsurance Deductible + coinsurance Urgent Care Centers $75 Deductible + coinsurance Deductible + coinsurance Deductible + coinsurance HealthSync PPO PLAN TIER ONE TIER TWO HealthSync HSA PLAN ONE TIER ONE TIER TWO HealthSync HSA PLAN TWO TIER ONE TIER TWO Out-of-Network Benefits Deductible $15,000 / $30,000 $15,000 / $30,000 $15,000 / $30,000 Out-of-Pocket Max $21,000 / $42,000 $21,000 / $42,000 $21,000 / $42,000 Coinsurance 50% 50% 50% Reid Health, Ascension St. Vincent, Franciscan Health Anthem Blue Access PPO Anthem Blue Access PPO Anthem Blue Access PPO Reid Health, Ascension St. Vincent, Franciscan Health Reid Health, Ascension St. Vincent, Franciscan Health Find a HealthSync Provider https://www.anthem.com/find-care/

Anthem’s Sydney Health App Manage Your Claims With Sydney Health, you can submit and track your claims, anytime, anywhere. Compare Care & Costs Our digital tools can help you find doctors in your plan’s network and compare care costs up front. Schedule Virtual Appointments Schedule same-day virtual appointments with licensed physicians. Download the App Watch Sydney Health App Video

Prescription DRUGS True Rx is your pharmacy benefit manager. Click below to access your member portal. When entering your Employee ID#, remember, do not enter the last 2 digits on your ID card. Download the True Rx mobile app to compare costs, search for pharmacy, and access your ID card. Access the portal using the link below or call 866-921-4047 Visit True Rx Portal

Retail Prescriptions (34-Day Supply): Generic $8 $8 $8 Retail Prescriptions: Preferred 30% or $40 (greater of)* 30% or $40 (greater of)* 30% or $40 (greater of)* Retail Prescriptions: Non-Preferred 50% for $60 (greater of)* 50% for $60 (greater of)* 50% for $60 (greater of)* Mail Order Prescriptions (90- Day Supply): Generic $12 $12 $12 Mail Order Prescriptions: Preferred 30% or $80 (greater of)* 30% or $80 (greater of)* 30% or $80 (greater of)* Mail Order Prescriptions: Non-Preferred 50% or 120 (greater of)* 50% or 120 (greater of)* 50% or 120 (greater of)* PPO PLAN HDHP PLAN ONE HDHP PLAN TWO * If brand name drug purchased when generic drug available and approved by physician, covered person will be responsible for the applicable brand copayment plus the difference in the cost of the generic and the brand name drug purchased.

Health Savings ACCOUNT A Health Savings Account (HSA) is available to those enrolled 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. Watch This HSA Video to Learn More Open Your HSA with UMB

Doctor Visit Visit your healthcare provider and the office will submit the claim to your health plan. Amount Owed The health plan will share the amount you owe with your doctor. EOB The health plan sends you the Explanation of Benefits (EOB). Bill Received Your doctor will then send you a bill. HDHP and HSA Consumer Experience Pay with HSA You can use your HSA funds to pay the bill from your doctor.

DENTAL Dental Coverage with PBA Online Portal

Deductible $50 per covered member Annual Plan Maximum $1,250 / person Preventive Services Exams, Flouride, Sealants, Space Maint. You Pay 0% Basic Services Fillings, Simple/Complex Extractions, Endo/Perio You Pay 20% Major Services Prosthodontics, Implants, Inlays, Onlays, Crowns You Pay 20% Orthodontia Services You Pay 40% Orthodontia Lifetime Maximum $500

VISION Eligible employees have vision coverage through Professional Benefit Advisors (PBA). There is 100% no deductible and vision benefits are limited to an annual individual maximum of $400. Vision coverage with PBA Online Portal

4 Ways to SAVE ON HEALTHCARE $ AVOID THE ER FOR TRUE EMERGENCIES DON’T HESITATE TO CALL 911 OR GO TO THE EMERGENCY ROOM. WHEN POSSIBLE, UTILIZING A WALK-IN CLINIC OR URGENT CARE WILL SAVE YOU TIME AND MONEY FOR THE SAME SERVICES. $$ CUT Rx COST COMPARE DRUG PRICES & TALK TO YOUR DOCTOR ABOUT LOWER COST OPTIONS. UTILIZE COUPONS & SERVICES LIKE GOODRx, Rx HELP CENTERS, OR THE COSTPLUS DRUG COMPANY. $$$ SHOP AROUND UTILIZE THE SYDNEY APP TO FIND THE BEST CARE AT THE BEST PRICE. CHECK DISCOUNTS IN THE SYDNEY APP FOR MEDICAL TREATMENTS, DENTAL, VISION, HEARING, FITNESS, FAMILY, PETS, & MORE. LAB WORK & IMAGING SERVICES LIKE ULTRASOUNDS, X-RAYS, CT SCANS, BLOOD DRAWS, ETC. ARE COSTLY. RESEARCH PROVIDERS BEFORE YOU MAKE AN APPT. $$$$ STAY HEALTHY LIVE A HEALTHY LIFESTYLE THROUGH REGULAR MOVEMENT & HEALTHY EATING HABITS. REGULARLY VISIT YOUR PRIMIARY CARE PHYSICIAN. SCHEDULE YOUR ANNUAL PHYSICAL & PREVENTIVE CARE APPOINTMENTS.

Additional BENEFITS Richmond Community Schools provides full-time employees with employer-paid basic life insurance and disability income protection at no cost.

Basic Life and AD&D The employer-paid basic life and accident, death, and dismemberment insurance policy is available to all full-time employees. In the event of your death, your beneficiaries will receive the following: Class 1 – Superintendent: 3x annual base salary up to $350,000 Class 2 – Administrative: 2x annual base salary up to $350,000 Class 3 - All Other Active Full-Time (including board members): $50,000 Class 4 – Retired Superintendent: 3x annual base salary (at retirement) up to $350,000 Class 5 – Retired Administrative: 2x annual base salary (at retirement) up to $350,000 Class 6 - All Other Retired Employees (including board members): $50,000 Dependent Life Dependent life benefits are employee elected and paid. Spouse Benefit: $5,000 Child(ren) Birth to 6 Months: $1,000 Child(ren) 6 Months to 26 Years: $2,500 Long-Term Disability Employer-paid long-term disability protects your income for a period of time. Benefits begin 90 days after the date of the incident and will cover 66 2/3% of your earnings (up to $7,000/month).

Eligible employees and dependents can talk to a U.S.-trained and board-certified physician 24/7 by phone or video at no cost. Click the link below, download the mobile app, or call 833-SWIFTMD to get started. Lookup Account with Group Passcode: !RCHCS17 VIRTUAL CARE & COUNSELING Get Help Conditions Treated Virtually Allergies and rashes Arthritis pain Back pain or injury Cold sores Diarrhea Earache Conjunctivitis or pink eye Fever and flu Headache Insect bites and stings Sore throat Stomachache and nausea Upper respiratory infections Sinusitis Urinary tract infections And more Virtual Counseling SWIFTMD can help when you’re feeling down. Discuss everything from depression, anxiety and stress, to struggles with family, work, and substance abuse. Free confidential counseling by phone or video. Common issues discussed are • Marital, family, and relationship concerns • Stress or anxiety • Depress or grief at home or work • Child or elder care • Eating disorders SwiftMD is now revive. There will be no changes to your services. Visit swiftmd.com.

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