Common use of Health and Accident Insurance Clause in Contracts

Health and Accident Insurance. 15.1 Section A Upon acceptance of written application The Board will provide fully paid, single subscriber, self and spouse, or full family insurance coverage, whichever is applicable for all eligible employees, MESSA – PAK coverage consisting of the following without costs to the employee except as outlined here: PAK A 1. Up to and including December 31, 2013, the employee can elect MESSA/Blue Cross Super Care 1 (Rev 03) or MESSA Choices 2 coverage, at the employee's option. The Super Care 1 coverage shall include a $10/$20 prescription co-pay and a $100/$200 amount deductible. Those bargaining unit members electing to remain enrolled in Super Care I will be responsible for paying the applicable premium difference (i.e. single subscriber, two person, full family) between Super Care 1 and Choices II by payroll deduction through the Section 125 Plan. All MESSA Choices II coverage shall include a $10/$20 prescription co- pay; a $10 office visit co-pay; and a $100/$200 in-network ($250/$500 out- of-network) deductible. 2. Effective January 1, 2014, an eligible employee can elect either MESSA Choices 2 with a $500/$1,000 in-network deductible or the MESSA ABC Plan with a $1,250/$2,500 in-network deductible. For eligible employees enrolled in the MESSA ABC Plan, the Board's share of the deductible is $750/$1,500. Fifty percent (50%) of the Board's share of the applicable deductible amount will be remitted to eligible employees enrolled in the MESSA ABC Plan in January with the remaining portion of the Board's share of the deductible paid in shares of: one-twelfth (1/12) in July, one- twelfth (1/12) in August and the balance of the Board's share of the deductible [one-third (1/3)] to be paid in September. In no case will the Board of Education's deductible and premium contributions exceed the hard cap limits established by the Publicly Funded Health Insurance Contribution Act (2011 Public Act 152). Effective September 1, 2013, the District's monthly premium contribution (including the Board's share of the ABC deductible) for the above health insurance coverage shall be: Single Subscriber $474.37 per month Two Person $948.75 per month Family $1,293.75 per month The eligible employee enrolled in health insurance will be responsible for any premium amounts in excess of the above through payroll deduction. Effective with the beginning of the medical benefit plan coverage year in 2014, the above levels of premium contribution by the District will be adjusted to the maximum hard cap levels for that plan coverage year as permitted under the Publicly Funded Health Insurance Contribution Act (2011 Public Act 152). – MESSA LTD, Plan II (which includes COLA, Freeze on offsets, drug, alcohol and mental, nervous treated same as any other illness) at 70% of the bargaining unit member's monthly salary to a maximum of $5,000 per month with Educational Supplement Program, ninety (90) calendar day modified fill. – Delta Dental Plan 80/80/80: $1,000 annual maximum; 80% Class IV with $1,300 lifetime maximum; 2 cleanings. – Negotiated Term Life insurance with AD&D in the amount of $40,000 for each employee. – Vision, VSP3 Bargaining unit members not electing XXXXX-XXX A will select XXXXX-XXX X. XXX B For those employees not electing health insurance, the Board will pay the MESSA Choices II (with $10/$20 prescription co-pay) single subscriber monthly premium rate but shall not be less than $567 per month as a cash option toward the MESSA and MEA Financial Services non-taxable options and annuities via the 125 plan in Section B.2. below for a full twelve (12) month period. Effective September 1, 2013, the cash option amount will be established at an amount equivalent to the single person coverage hard cap established under the Publicly funded Health Insurance Contribution Act (2011 Public Act 152). Such amounts shall be used toward MESSA and MEA Financial Services non-taxable options at the employee's discretion. MESSA LTD: Same as PAK A Delta Dental: Same as PAK A Negotiated Term Life insurance AD&D: Same as PAK A Vision – same as PAK A All premium co-payments will be available via payroll deduction through a District sponsored 125 plan. 15.2 Plan B - Upon written application to the Board, employees who do not wish to take health care protection, as described above, may select MESSA, Plan B plus any of the options available, i.e., cash per the District Cafeteria Plan, short term disability, dependent life, additional life insurance, annuities, etc., up to a set amount equal to the cost of health care protection for a MESSA Choices II single subscriber rate $488 but no less than the 2009-10 monthly contribution. This amount for use in Plan B shall reflect an increase over the previous year of an amount equal to the same percentage of the wage increase. If the MESSA premium rate increase is less than the annual wage increase, then it shall reflect the MESSA premium rate increase in effect for the current school year. The cash option may be redirected by the eligible employee toward MESSA or MEA FS non-taxable options and/or annuities via the 125 plan. In addition, employees may also re-direct the cash option toward the district’s medical and dependent child care flexible spending accounts. 15.3 School-Year employees, as defined in Article I, Section D, shall not receive health and accident insurance coverage at the expense of the Board. As soon as administratively feasible, employees not eligible for health and accident insurance who regularly work 20 hours or more per week will receive a $10,000 group term basic life insurance benefit, with AD&D, subject to the terms and conditions of the carrier to be selected by the Board. 15.4 Upon acceptance of written application, the Board agrees to provide full- time employees with Delta Dental through MESSA Care Pak, 80:80/80/80:1,300 lifetime max; 1,000 annual xxx xxxxx I, II, III, two cleanings per year. 15.5 Upon acceptance of written application, the Board will provide VSP 3 Vision insurance, LTD (66 2/3 %, $5000 month maximum benefit, 90 day modified fill), and $40,000 Life insurance AD&D through MESSA Care Pak for each full time employee covered under this agreement. 15.6 Employees may utilize the “Premium Conversion” option of the District Cafeteria Plan. “Premium Conversion” allows an eligible employee to convert after-tax contributions for health insurance premiums to before-tax contributions by reducing compensation equal to the premium. A “Summary Plan Description” and enrollment forms are available in the school district main business office. Employees may also utilize the “Flexible Benefits” option of the District Cafeteria Plan. Flexible benefits are defined as eligible dependent care expenses and un- reimbursed medical expenses. Fremont Public Schools will provide a handbook detailing this program.

Health and Accident Insurance. 15.1 Section A Upon acceptance of written application The Board will provide fully paid, single subscriber, self and spouse, or full family insurance coverage, whichever is applicable for all eligible employees, MESSA – PAK coverage consisting of the following without costs to the employee except as outlined here: PAK A 1. Up to and including December 31, 2013, the employee can elect MESSA/Blue Cross Super Care 1 (Rev 03) or MESSA Choices 2 coverage, at the employee's option. The Super Care 1 coverage shall include a $10/$20 prescription co-pay and a $100/$200 amount deductible. Those bargaining unit members electing to remain enrolled in Super Care I will be responsible for paying the applicable premium difference (i.e. single subscriber, two person, full family) between Super Care 1 and Choices II by payroll deduction through the Section 125 Plan. All MESSA Choices II coverage shall include a $10/$20 prescription co- pay; a $10 office visit co-pay; and a $100/$200 in-network ($250/$500 out- of-of- network) deductible. 2. Effective January 1, 2014, an eligible employee can elect either MESSA Choices 2 with a $500/$1,000 in-network deductible or the MESSA ABC Plan with a $1,250/$2,500 in-network deductible. For eligible employees enrolled in the MESSA ABC Plan, the Board's share of the deductible is $750/$1,500. Fifty percent (50%) of the Board's share of the applicable deductible amount will be remitted to eligible employees enrolled in the MESSA ABC Plan in January with the remaining portion of the Board's share of the deductible paid in shares of: one-twelfth (1/12) in July, one- twelfth (1/12) in August and the balance of the Board's share of the deductible [one-one- third (1/3)] to be paid in September. In no case will the Board of Education's deductible and premium contributions exceed the hard cap limits established by the Publicly Funded Health Insurance Contribution Act (2011 Public Act 152). Effective September 1, 2013, the District's monthly premium contribution (including the Board's share of the ABC deductible) for the above health insurance coverage shall be: Single Subscriber $474.37 per month Two Person $948.75 per month Family $1,293.75 per month The eligible employee enrolled in health insurance will be responsible for any premium amounts in excess of the above through payroll deduction. Effective with the beginning of the medical benefit plan coverage year in 2014, the above levels of premium contribution by the District will be adjusted to the maximum hard cap levels for that plan coverage year as permitted under the Publicly Funded Health Insurance Contribution Act (2011 Public Act 152). – MESSA LTD, Plan II (which includes COLA, Freeze on offsets, drug, alcohol and mental, nervous treated same as any other illness) at 70% of the bargaining unit member's monthly salary to a maximum of $5,000 per month with Educational Supplement Program, ninety (90) calendar day modified fill. – Delta Dental Plan 80/80/80: $1,000 annual maximum; 80% Class IV with $1,300 lifetime maximum; 2 cleanings. – Negotiated Term Life insurance with AD&D in the amount of $40,000 for each employee. – Vision, VSP3 Bargaining unit members not electing XXXXX-XXX A will select XXXXX-XXX X. XXX B For those employees not electing health insurance, the Board will pay the MESSA Choices II (with $10/$20 prescription co-pay) single subscriber monthly premium rate but shall not be less than $567 per month as a cash option toward the MESSA and MEA Financial Services non-taxable options and annuities via the 125 plan in Section B.2. below for a full twelve (12) month period. Effective September 1, 2013, the cash option amount will be established at an amount equivalent to the single person coverage hard cap established under the Publicly funded Health Insurance Contribution Act (2011 Public Act 152). Such amounts shall be used toward MESSA and MEA Financial Services non-taxable options at the employee's discretion. MESSA LTD: Same as PAK A Delta Dental: Same as PAK A Negotiated Term Life insurance AD&D: Same as PAK A Vision – same as PAK A All premium co-payments will be available via payroll deduction through a District sponsored 125 plan. 15.2 Plan B - Upon written application to the Board, employees who do not wish to take health care protection, as described above, may select MESSA, Plan B plus any of the options available, i.e., cash per the District Cafeteria Plan, short term disability, dependent life, additional life insurance, annuities, etc., up to a set amount equal to the cost of health care protection for a MESSA Choices II single subscriber rate $488 but no less than the 2009-10 monthly contribution. This amount for use in Plan B shall reflect an increase over the previous year of an amount equal to the same percentage of the wage increase. If the MESSA premium rate increase is less than the annual wage increase, then it shall reflect the MESSA premium rate increase in effect for the current school year. The cash option may be redirected by the eligible employee toward MESSA or MEA FS non-taxable options and/or annuities via the 125 plan. In addition, employees may also re-direct the cash option toward the district’s medical and dependent child care flexible spending accounts. 15.3 School-Year employees, as defined in Article I, Section D, shall not receive health and accident insurance coverage at the expense of the Board. As soon as administratively feasible, employees not eligible for health and accident insurance who regularly work 20 hours or more per week will receive a $10,000 group term basic life insurance benefit, with AD&D, subject to the terms and conditions of the carrier to be selected by the Board. 15.4 Upon acceptance of written application, the Board agrees to provide full- time employees with Delta Dental through MESSA Care Pak, 80:80/80/80:1,300 lifetime max; 1,000 annual xxx xxxxx I, II, III, two cleanings per year. 15.5 Upon acceptance of written application, the Board will provide VSP 3 Vision insurance, LTD (66 2/3 %, $5000 month maximum benefit, 90 day modified fill), and $40,000 Life insurance AD&D through MESSA Care Pak for each full time employee covered under this agreement. 15.6 Employees may utilize the “Premium Conversion” option of the District Cafeteria Plan. “Premium Conversion” allows an eligible employee to convert after-after- tax contributions for health insurance premiums to before-tax contributions by reducing compensation equal to the premium. A “Summary Plan Description” and enrollment forms are available in the school district main business office. Employees may also utilize the “Flexible Benefits” option of the District Cafeteria Plan. Flexible benefits are defined as eligible dependent care expenses and un- reimbursed medical expenses. Fremont Public Schools will provide a handbook detailing this program.