Jefferson County BOE - Benefit Guide - 2026 VIEW ONLY by campusleadership

Benefits Guide

County Board of Education

a comprehensive and valuable benefits program to all eligible employees. Our benefits package is designed to provide security and assistance during a time of need. Please become familiar with the various options and select the best coverage for the upcoming plan year.

Eligibility

Benefits Eligible Employees:

Full-time employees working 20 or more hours a week and bus drivers working 15 or more hours a week.

Eligible family members may be enrolled under certain plans when elected by the employee

Eligible family members include:

Your legally married spouse

Your unmarried children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody (age restrictions may apply) up to the age of 26. Disabled children age 26 or older who meet certain criteria may continue on your health coverage.

When Do Benefits Begin?

The effective date of coverage for benefits depends on your hire date. Typically, benefits will begin the first of the month following 30 days of employment.

For all benefits, employees must be actively at work on the effective date of coverage. New hires must complete enrollment within 30 days of hire date, prior to effective date of coverage.

Supporting documentation is required to be submitted to process qualifying life events

Waiving Coverage

Employees who choose to waive/decline any benefits for themselves or their dependents will not be eligible to enroll until open enrollment for each plan without a Qualifying Life Event.

Additional Rules:

Specific employee and dependent eligibility rules are governed by each plan’s policy document/certificate; available on the employee benefits website, or by contacting Campus Benefits.

When Do Benefits End?

Upon termination of employment, the benefits end date may vary by benefit, but typically end at the end of your last month of employment coinciding with your last payroll deduction. Please consult with a Campus Benefits advisor on your specific end date and portability options for any current coverages.

Important Notes:

This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important to review each benefit’s summary plan description (SPD) and other carrier materials before making any selections. Remember: Review the plan options and/or update beneficiaries annually for all benefits including Basic Life and Voluntary Term Life & AD&D.

Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Carefully review your plan options and consider which ones best meet your needs. Make elections during the assigned enrollment period to receive coverage for the coming year. Enrollment requires dependent information, including Social Security Numbers and dates of birth. 3

When can I change my benefits?

Employee benefit elections are allowed as a new hire and during the annual open enrollment period The selected benefits will remain in effect throughout the plan year Plan year is from July 1st to December 31st.

Each year, during Open Enrollment, you will have the opportunity to make changes to your benefit elections for yourself and your covered dependents. Outside of Open Enrollment, you must experience a qualifying event that satisfies federal regulations outlined below:

Marriage, legal separation or divorce

Birth or adoption of a child

Death of a covered dependent

Loss or gain of other coverage (e.g. spouse loses job-based coverage)

Change in employment status (e.g. full-time to part-time or vice versa)

Change in dependent eligibility (e.g. child turns 26 and ages out of coverage)

Relocation that affects coverage options (e.g. moving out of a plan’s service area)

Court order requiring coverage for a dependent (e.g. through legal guardianship or custody)

Entitlement to Medicare

IMPORTANT

NOTE: You will need to submit supporting documentation to process your life event. Please keep any records of the above occurrences.

Wellness and Health Management: Preventive Care

Understanding the full value of covered benefits allows you to maintain good health and build healthy habits.

Through State Health Benefit Plan (SHBP), preventive services recommended by the U.S. Preventive Services Task Force are covered at 100% under the Affordable Care Act (i.e. Health Care Reform) when using in-network providers. Disclaimer:

Which Preventive Care Services are Covered?

Routine Physical Exam

Well Woman Visits

Routine Bone Density Test

Routine Gynecological Exam

Obesity Screening and Counseling

Routine Prostate Test

Routine Mammograms

Smoking Cessation

Health Counseling for STDs and HIV

Screening and Counseling for Domestic Violence

Well Baby and Child Care

Immunizations

Routine Breast Exam

Screening for Gestational Diabetes

Routine Colonoscopy

Routine Lab Procedures

Routine Pap Smear

Health Education/Counseling Services

Testing for HPV and HIV

See SHBP page for additional details

Health Insurance 101

In-Network vs. Out-of-Network

In-Network providers have contracts with health plans to offer services at discounted rates. Out-of-Network providers are not contracted and rates are higher.

Explanation of Benefits (EOB)

A statement from the insurance provider showing what was billed, what the plan paid, and what you may still owe An EOB is not a bill.

Summary of Benefits and Coverage (SBC)

A standardized overview of what the plan covers, costs, and examples of how the plan would pay for common medical situations.

Qualifying Life Event (QLE)

Qualified life change that allows midyear benefit changes.

Reasonable & Customary

Typical cost for services in your area.

Before enrolling, take a moment to review these key terms to better understand and navigate the benefits options with confidence.

See your specific plan summary for additional details.

Premium

Amount you pay for coverage, which is separate from the deductible and out-of-pocket maximum.

Copayment

A fixed amount you pay for services that counts towards your out-ofpocket maximum, not the deductible.

Deductible

Amount paid for covered services before your insurance plan starts to pay on your behalf.

Coinsurance

The percentage paid after meeting the deductible.

Out-of-Pocket Maximum (OOPM)

The highest amount paid annually for covered services. Afterwards, the plan pays 100% (with minimal exceptions).

Preventive Care

Routine services like check-ups, immunizations, and screenings for adults and children.

Service Hub/Support Center

How to File a Claim:

Enrollment in Benefits - Take Action

New User Registration

Step 2: Click Enroll/Login tab and complete your enrollment

Need help? Click Campus Connect tab to send in questions OR call 1.866.433.7661, opt. 5

1. Register as a new user and enter: First Name Last Name Company Identifier: JCS2025 PIN: Last 4 Digits of SSN Birthdate

2.Click Next

3. Create login credentials (see FAQ)

4 Click Register then Login

5. Enter Username and Password

6. Click Start Benefits to begin enrollment

Frequently Asked Questions

What is my username?

Important Notes: Plan Year is 7/1 - 12/31

Annual open enrollment occurs in the spring (April/May) After the 2026 enrollment, annual enrollment will occur each fall

The default username is your work email or the email on file with HR, unless you have changed it.

What is my password?

Create or reset your password on the login page. It must be at least 6 characters and include a number and symbol. Disclaimer:

Enrollment in Benefits - Take Action

There are two separate benefit enrollments: 1. Campus Benefits (Dental, Vision, Life, Disability etc.) 2. State Health Benefit Plan (Medical)

State

Enrollment

Compare Plan Options:

Health Maintenance Organization (HMO)

In-network providers only (except for emergency care) Preventive care covered at 100%.

Co-pays for certain services. Some services subject to deductible and co-insurance.

Verify your provider is innetwork before enrolling.

Need help? Refer to the SHBP section of the guide for additional details OR call SHBP at 1.800.610.1863.

Important Notes: Plan Year is 1/1 - 12/31

Annual open enrollment occurs in the fall (October/November) Registration Code: SHBP-GA

Health Reimbursement Account (HRA)

First-dollar coverage for eligible medical and pharmacy expenses and is funded by SHBP No co-pay You pay deductible and co-insurance.

Preventive care covered at 100% with in-network providers.

You must meet separate innetwork and out-of-network deductibles and out-of-pocket maximums.

High Deductible Health Plan (HDHP)

Large in-network and out-ofnetwork coverage statewide and nationwide.

Lower monthly premium. Includes HSA to save money tax deferred and help offset plan costs.

Preventive care covered at 100% with in-network providers.

Medical Plan (State Health Benefit Plans)

Jefferson County Board of Education offers all eligible employees health insurance through the Georgia State Health Benefit Plan. During the annual open enrollment, employees have the opportunity to review all available options and make elections for the upcoming plan year.

Coverage through Anthem/BCBS of GA, United Healthcare, or Kaiser Permanente*

All qualifying life events must be submitted directly to State Health Benefit Plan via the SHBP Portal Kaiser Permanente* is available in the Metro Atlanta Service Area and Athens-Clarke, in-network only Transferring from another school district: You will not be able to make changes until the next open enrollment period, unless it is a qualifying life event.

The information provided is an overview; please see the SHBP summary plan descriptions on the benefits website for detailed listing of services in their entirety.

SHBP Enrollment Portal:

www.shbp.georgia.gov/enrollment-portal

How to Enroll:

Go to website above

Enter your Username and Password and click Login If you need assistance, click on “Forgot User ID?” or “Forgot Your Password?”

If you have not registered, click “Register Here” Your registration code is SHBP-GA.

SHBP Wellness Portal: www.bewellshbp.com

SHBP Decision Guide:

This Guide provides a brief explanation about each health benefit option, a benefit comparison guide, and a list of things to consider before making plan decisions Access the decision guide at www shbp georgia gov

Please review the Active Decision Guide for full incentive program details and requirements.

Anthem: members enrolled in an Anthem HRA Plan Option will receive SHBP-funded base credits at the beginning of the Plan Year. The amount funded will be based on your elected coverage tier. If you enroll in a HRA during the Plan Year, these credits will be prorated based on the elected coverage tier and the months remaining in the current Plan Year.

*KP: members enrolled in the KP Regional HMO Plan Option and their covered spouses will each receive a $500 Mastercard reward card after they each satisfy KP’s Wellness Program requirements.

**UnitedHealthcare: Spouses enrolled in an UnitedHealthcare Plan Option can now earn a 240 well-being incentive credit match. This means members and their covered spouses enrolled in an UnitedHealthcare Plan Option can each earn a 240 well-being incentive credit match with a maximum combined up to 480 well-being incentive credits matched by UnitedHealthcare for completing wellness requirements under the plan. After credits are added to your HIA, any remaining credits will rollover each plan year.

Medical Plan (State Health Benefit Plans)

The table below is a high level overview, for official details and plan information please review the SHBP Decision Guide.

Medical Out of Pocket Maximum (OOPM)

Health Reimbursement Arrangement Credits (HRA)

Kaiser Permanente* is available in the Metro Atlanta Service Area and Athens-Clarke, in-network only. There is an $80 tabacco surcharge added to all rates.

Employee Assistance Program (EAP)

What is an EAP? This is a program offered to Jefferson County Board of Education employees to provide guidance with personal issues, planning for life events or simply managing daily life which can affect your work, health and family.

Coverage

through OneAmerica

Available for all Jefferson County employees, their household members and unmarried children up to age 26

Provides support, resources, and information for personal and work-life challenges

Visit the Employee Assistance Program website to view timely articles and resources on a variety of financial, well-being, behavioral and mental health topics

CALL 1.855.387.9727 or visit Guidanceresources.com (Web ID: ONEAMERICA3)

Confidential Counseling

Helps employees address stress, relationship and other personal issues for you and your family

An in-house team of master’s level EAP professionals who are available 24/7/365 to provide individual assessments

Three sessions per year (per household) conducted by face-to-face* counseling or telehealth (text, chat, phone or video) via a secure, HIPAA compliant portal

Sessions with highly trained master’s and doctoral level clinicians about the following topics:

Stress anxiety and depression

Relationship/marital conflicts

Problems with children

Job pressures

Grief and loss

Substance abuse

Financial Information and Resources

Speak by phone with a Certified Public Accountant and Certified Financial Planner on a wide range of financial issues, including:

Getting out of debt

Credit card or loan problems

Tax questions

Retirement planning

Estate planning

Saving for college

Work-Life Solutions

Work-Life Specialists will do the research for you, providing qualified referrals and customized resources for:

Child and elder care

Moving and relocation

Making major purchases

College planning

Pet care

Home repair

GuidanceResources Online

One stop for expert information on relationships, work, school, children, wellness, financial, and more Timely articles, HelpSheets, tutorials, streaming videos and self-assessments

“Ask the Expert” personal responses to your questions

Free Online Will Preparation

EstateGuidance lets you quickly and easily write a will on your computer

Go to www.guidanceresources.com and click on EstateGuidance link

Child care, elder care, attorney and financial planner searches EAP Plan Rates

Follow the prompts to create and download your will at no COST

Name an executor to manage your estate

Choose a guardian for your children

Specify your wishes for your property

Provide funeral and burial instructions

Coverage paid for by Jefferson County Board of Education at no cost to you.

Disability Plans

What is Disability Insurance? Disability insurance replaces a portion of your income if injury or illness prevents you from working, providing financial security for you and your dependents.

Coverage through OneAmerica (Employee must be actively at work on the effective date )

Short-Term Disability: Annual enrollment, no health questions every year Does not offset for sick leave, will offset for Paid Parental Leave, workers compensation, or any other outside income

Long-Term Disability: Employer paid benefit, all employees are automatically enrolled. Benefit is offset by any outside income (Social Security, sick leave, retirement, etc.)

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

for 14 days

Pre-existing Condition Limitation

Elimination Period

Pre-existing Condition Limitation

3/6 - Any sickness or injury for which you received medical treatment, consultation, care, or services during the specified months (3 months) prior to your coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months (6 months) following the coverage effective date.

(Applies to new enrollees only and if moving from the 40% benefit to the 60% benefit)

Long-Term Disability Quick Summary

begin after you have been out of work due to an injury or illness for 90 calendar days

Age of

(Please note exclusions or limitations may apply; see plan certificate for details)

3/6/12 - Any sickness or injury for which you received medical treatment, consultation, care, or services during the specified months (3 months) prior to your coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months (12 months) following the coverage effective date, unless you go treatment free for 6 months. (Applies to new enrollees only)

Disability Plan Rates

Cost of coverage is based on your age and salary

Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details

Long-Term Disability premiums are paid by Jefferson County Board of Education

Short-Term Disability Quick Summary

Basic and Voluntary Term Life and AD&D Plans

What is Term Life Insurance? A life and AD&D insurance plan provides financial protection by paying a lump-sum benefit to your beneficiary in the event of your death or accidental dismemberment, helping replace lost income and support your family’s financial goals.

Coverage through OneAmerica

Voluntary Term Life only:

Only covered employees may elect dependent coverage; Dependent coverage may not exceed employee coverage amounts.

Evidence of Insurability (EOI) may be required if electing outside of initial enrollment or above guaranteed issue amounts.

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

paid for by Jefferson

Board of Education at no cost to you.

Voluntary Life and AD&D Plan Rates

If diagnosed with a terminal illness with less than 12 months to live, you can request your benefit while still living.

Child(ren) Benefit

AD&D

Cost of coverage is based on the level of benefit you choose and your age. Spouse rate based on employee’s age. Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

of $10,000 up to the lesser of $500,000 or 5 times annual

Increments of $5,000 up to $500,000 (100% of Employee Election)

Guaranteed Issue: $50,000

$5,000 or $10,000 Benefit

$1,000 for children Live Birth to 6 months

Guaranteed Issue: $10,000

Benefit reduces to 65% at age 70 and 45% at age 75

Reduction is based on employee age

Accelerated Life Benefit If diagnosed with a terminal illness with less than 12 months to live, you can request 75% of your benefit while still living.

Guaranteed Increase in Benefit (Future Enrollments)

Employee and Spouse:

If currently enrolled: Increase by $10,000 without an Evidence of Insurability; can go over guaranteed issue amounts.

Additional Features Seat Belt, Airbag, Repatriation, Education Benefit (See certificate for details)

If employee and spouse are both employed by Jefferson County, they cannot cover each other or double cover their dependents. Please contact Campus Benefits if you have questions regarding coverage.

Get the most out of your Dental and Vision Plans

Dental and vision plans help pay a portion of costs associated with care and provide options to get the most out of these benefits.

Tips for utilizing your Vision Benefits

Look for participating vision providers online at www metlife com Network: Davis Vision

You can price shop your lens & frame providers. Take your prescription from your out-of-network provider to an in-network provider to receive the most benefit from your vision plan

Track your claims and plan usage by registering for a MetLife My Benefit Account (if enrolled in both dental and vision, you will utilize the same user name and password. Visit www.metlife.com, scroll down and select MyBenefits portal. Enter Jefferson County Board of Education as your employer/organization.

*While your plan allows you to visit any licensed vision provider, remember your benefits go further when you go in-network

Tips for utilizing your Dental Benefits

Look for participating dentist online at www guardianlife com/find-aprovider

*Your plan allows you to visit any general dentist or specialist However, you usually save more with a participating dentist.

Go to www.guardianlife.com or download the Guardian Dental & Vision Mobile App. Find providers, view claims and more. Group name: Jefferson County Board of Education

Your dentist can request a pretreatment estimate for any service that is more the $300 to help you manage your cost and care

*In-Network discounts apply even after you reach your plan’s annual maximum, reducing your out-of-pocket expense.

Dental - Early Smiles Program

Early Smiles program is available on both the Dental High and Low plans. From the time that first tooth comes in, dental care can critically impact a child’s overall health and well-being. In fact, it’s recommended that kids go in for their first oral health checkup when their baby teeth first begin to emerge or by the time of their first birthday. That’s why Guardian includes the Early Smiles benefit to help you save on dental care for your children while taking care of their health.

How does Early Smiles work?

All Preventive, Basic and Major dental services are covered at 100% for children ages 12 and under. Does not include orthodontia.

No deductible will apply; benefits can be used right away.

No waiting periods.

Can go to any dental provider in or out-of-network.

Dental Plan

Have major dental work coming up? Avoid a surprise bill by exploring costs of dental services in your Guardian dental account. Submit a pre-treatment estimate to stay ahead of your expenses.

Unlock your dental benefits with the Guardian dental app

On the app, you can:

Check claims, deductibles, and coverage

Find in-network dentists

See your digital ID card

See your Explanation of Benefits (EOBs)

First Time using the App?

Create an account at login guardianlife com

Download the App on the Apple App Store or Google Play

Dental Services Quick Summary (see certificate for full list of services and frequencies)

Low Plan

Preventive (100%)

Exams (2/calendar year)

Cleanings (2/calendar year)

Bitewing X-Rays (1/calendar year)

Full Mouth X-Rays (1/60 months)

High Plan

Fluoride for children up to age 14 (2/calendar year)

Sealants for children up to age 16 (1/36 months)

Basic (80%)

Fillings

Perio Maintenance Procedure (2/calendar year)

Periodontal Services (Scaling and Root Planing)

Periodontal Surgery

Simple Extractions

Complex Extractions

Endodontic Services (Root Canal)

General Anesthesia

Space Maintainers/Harmful Habit Appliances

Major (50%)

Bridges & Dentures, Single Crowns, Repair & Maintenance of Crowns, Inlays, Onlays & Veneers, TMJ

Bridges & Dentures, Single Crowns, Repair & Maintenance of Crowns, Inlays, Onlays & Veneers, TMJ, Implants

Preventive Advantage

Members have an unlimited preventive care maximum (frequency/age limitations still apply). Members obtain preventive care, including exams, cleanings, x-rays and fluoride treatments, without having the benefit deducted from their annual maximum. The entire annual maximum amount is preserved for basic and major services. Preventive care will continue to be covered even after the annual maximum is met. Preventive Advantage promotes preventive care to help keep members healthy and productive while extending the value of their annual maximum.

Vision Plans

What is Vision Insurance? A health and wellness plan designed to reduce your costs for routine preventive eye care including eye exams and prescription eyewear (eyeglasses and contact lenses).

Coverage through MetLife

Provider directory: www.metlife.com/insurance/vision-insurance (Network: Davis Vision)

Claims must be submitted within 90 days of date of service

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

confirm eligibility with participating providers, mention the network above and provide your name and date of birth.

*Click here for more information and printable version ID card (electronic guide)

Hospital Indemnity Plan

What is Hospital Indemnity Insurance? Supplemental coverage that helps offset costs associated with hospital stays, whether for planned or unplanned reasons. Payments are made directly to you and benefits do not offset with medical insurance.

Coverage through Mutual of Omaha

Employee must be actively at work on the effective date Dependent children are covered up to age 26

Routine childbirth and complications from pregnancy are covered No Health Questions Every Year!

The chart below is a sample of covered services Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Hospital Indemnity Benefits Quick Summary (see certificate for full list of services and frequencies)

Plan Details

Coverage 24-Hour (On and Off the Job)

Pre-existing condition limitation

Age Reduction

Portability

None

Included, Prior to age 70 (employee and depemdents must be covered for at least 6 months)

Plan Benefits

Hospital and ICU Admission

Combined total of 4 admissions per policy year, separated by 30 days

Hospital Confinement

60 days per calendar year (Combined Hospital and ICU)

Daily Newborn Nursery Care Confinement

Daily Rehabilitation Facility Confinement

Mental/Nervous Facility Admission

Substance Abuse Facility Admission

Mental/Nervous Facility Confinement

Substance Abuse Confinement

Express Benefit (equal to 1 daily hospital confinement benefit)

Health Screening Benefit

Hospital - $500/admission ICU - $1,000/admission

Hospital - $100/Day ICU - $100/Day

$75/day (max 2/policy year)

$50/day (max 30/policy year)

$500/admission (1/policy year)

$100/day (max 30/policy year; 180/lifetime max)

$100/hospital admission

$50 per person per calendar year

Why Hospital Indemnity Insurance Matters?

If you’re admitted to the hospital for a planned or unexpected stay, Hospital Indemnity Insurance helps provide financial support by:

Paying a lump-sum benefit directly to you, not providers Helping cover deductibles, copays, and other out-of-pocket medical costs

Giving you flexibility to use funds for everyday expenses like housing, childcare, and transportation

Claims must be filed with the carrier for reimbursement.

Accident Plan

What is Accident Insurance? Accident insurance provides direct payments to help cover medical and out-ofpocket costs from unexpected accidents, without offsetting your medical insurance.

Coverage through Mutual of Omaha

Employee must be actively at work on the effective date

No health questions - Every Year!

Payments made directly to you and benefits do not offset with medical coverage

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

(see benefits highlight sheet and plan certificate for full list of benefits and frequencies)

on Catestrophic

(reduces to 50% at age 70) Pre-Existing Condition Limitation/Waiting Period

Prior to age 70

Accidents can happen anytime, Accident Insurance helps provide financial protection by:

Paying benefits directly to you for covered accidents

Helping offset out-of-pocket costs like deductibles, co-pays, and out-of-network care

Giving you flexibility to use funds for everyday needs such as childcare, transportation, or other unexpected expenses

the

website for a full list of covered items and instructions on how to file a claim.

Critical Illness w/Cancer Plan

What is Critical Illness Insurance? A health and wellness plan in which you receive a lump sum cash payment if diagnosed with one of the specific illnesses on the predetermined list of critical illnesses.

Coverage through Mutual of Omaha

Employee must be actively at work on the effective date Dependent children are covered up to age 26

health questions - Every Year!

Attained Rates - rates increase as you age and are based on your age at the time of renewal Payments made directly to you and benefits do not offset with medical coverage.

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

for full list of

and frequencies)

Reoccurrence Benefit

90 days – Once an Initial Benefit has been paid for a Critical Illness for an Insured Person, a benefit for a reoccurrence of the same diagnosis is payable if the dates of diagnosis are separated by 90 days or more. Policy

1000% – The total amount of benefits payable for each insured person is subject to a benefit maximum of 1000% of the Critical Illness Principal Sum in effect for the insured person.

(1 per covered person, per calendar year)

Please see benefit highlight sheet or plan certificate for specific coverage percentages for each covered illness. Must be diagnosed after your effective date of coverage.

What does it cover?

Critical illnesses includes coverage for many illness and disorders. See your plan highlight sheets and policy documents for details.

Autoimmune Disorders

Cancers & Benign Tumors

Childhood Conditions

Vascular & Pulmonary Conditions

Functional Loss

Neurological Brain & Skull Conditions

Organ Conditions

Infectious Diseases

Neurological Movement Disorders

Critical Illness w/Cancer Plan Rates

Cost of coverage is based on the level of benefit you choose and your age. Spouse rate based on employee’s age. Children are automatically included in employee premium, no additional cost.

Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Claims must be filed with the carrier for reimbursement.

Why should I consider it?

Critical illness insurance is an affordable way to supplement and pay for additional expenses that your health insurance may not cover. The policy typically provides payments for the first and second time you’re diagnosed with a covered illness. Plus, critical illness insurance is portable and payments are made directly to you.

Wellness Incentives

What are Wellness incentives? An annual reimbursement for covered members who complete one of the eligible screening procedures on an elected Accident, Critical Illness or Hospital Indemnity plan. Available Wellness

Incentives

Adult Immunization

Bone marrow testing

CA 15-3 (blood test for breast cancer)

Carotid ultrasound

Colonoscopy

CT angiography

EKG (electrocardiogram)

Fasting blood glucose test

Flexible sigmoidoscopy

Hemoccult stool analysis

Polysomnogram (Sleep Study)

Vascular Ultrasound

Abdominal aortic aneurysm ultrasound

Angiogram

Basic or Comprehensive Metabolic Screening

Blood test for triglycerides

Body Mass Index (BMI Assessment)

Bone density screening

Breast ultrasound

CA 125 (blood test for ovarian cancer)

Cancer Testing/Screening/Biopsy

CEA (blood test for colon cancer)

Chest X-ray

Child/Adolescent Exams or Sports Physicals

Child/Adolescent Vaccines

person per year

Dental/Hearing/Physician Annual Exam

Diabetes Health Screening

Domestic Violence Screening

Double contrast barium enema

Echocardiogram (ECHO)

Genetic Testing

Hepatitis B/C Screening

Lower Extremity Ultrasound

Mammography

Mental Health Evaluation

Neurological Health Studies

Neurological Imaging Studies

Pap smear

Prenatal/Perinatal Care

PSA (blood test for prostate cancer)

Serum cholesterol test (HDL & LDL)

SPEP (blood test for myeloma)

Stress test (on a bicycle or treadmill)

Substance Abuse Screening

Thermography

Transmitted Diseases/Blood Borne Infection Screening

Vascular Ultrasound

Fax

Email completed documents to submitgrpacc@mutualofomaha.com

Mail completed documents to: 3300 Mutual of Omaha Plaza

Omaha, NE 68175

Visit www mutualofomaha com/support/forms

*Some of these benefits are only available on select accident plans Please refer to your certificate of coverage for benefits covered under your policy.

Legal Plan

What is a Legal Plan? A plan which provides valuable legal and financial educational resources for a variety of life events and needs.

Coverage through MetLife

Visit www legalplans com/why-enroll or call 800 821 6400 for additional information

Non-Members & Members create an account and select Employer for plan information (creating an account doesn’t enroll you in plans)

Additional plan information available on your Employee Benefits Website (www.jeffersonbenefits.com)

The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Legal experts on your side, whenever you need them

Quality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney to trust. For a monthly cost, you can have a team of top attorneys ready to help take care of life’s planned and unplanned legal events.

MetLife Legal Plans gives you access to the expert guidance and tools needed to handle the broad range of personal legal needs you might face throughout your life This could be when you’re buying or selling a home, starting a family, dealing with identity theft or caring for aging parents.

Why MetLife Legal Plans Matter

MetLife Legal Plans make getting legal help simple by:

Offering flexible access to attorneys in person, by phone, email, or online

Giving you the freedom to choose a network attorney or use one outside the network with reimbursement

Providing unlimited access to legal support for covered matters, with affordable payroll-deducted premiums

Helping you to navigate the most frequently needed personal legal matters:

Money Matters

Home & Real Estate

Estate Planning

Family & Personal

Civil Lawsuits

Elder-Care Issues (extends to parents/inlaws)

Traffic & Other Matters

High Plan covers the following additional benefits:

Tax Preparation Services: MetLife has partnered with TurboTax to offer tax preparation and filing services See the Tax Prep flyer on the benefits website for more details

Caregiving Support: MetLife has partnered with Family First to provide customized caregiving solutions. Receive unlimited access to a confidential team of experts who will examine your unique situation and create a holistic care plan for your loved one. See flyer on the benefits website for more details.

Visit the Jefferson Benefits Portal for a detailed list of

MedCareComplete

What is MedCareComplete? A bundle of services constructed to save you time, money, and hassle while simplifying your life.

This is a supplemental benefit and does not replace health insurance Register at MCC: Medcarecomplete com/members to access the full range of benefits

Phone number: 1-866-610-3619

This is supplemental coverage and does not replace health insurance

The information below is a sample of covered services. Please see the plan documents on your Employee Benefits Website for a detailed listing of services in their entirety.

Telemedicine

Get 24/7/365 on-demand telephone access to Board-Certified physicians for diagnosis and prescriptions for common or acute illnesses. There are no copays and no limit to how many times you can utilize this feature.

Acute illnesses include but are not limited to the following:

Asthma

Fever

Headache

Infections

Sore Throat

Migraines Rashes

Bacterial Infections

Diarrhea/Constipation

Cold & Flu

Medical Bill Negotiator

Heartburn

Sinus Conditions

Urinary Tract Infections

Gout

Nausea & Vomiting

Identifies errors and overcharges on your medical bills. 80% of medical bills submitted achieve 40% savings on average.

Medication Management

For members and their families who suffer from chronic or poly-chronic conditions. The home delivery service is available for those who take more than four maintenance medications per day.

Restoration Expert

A theft risk management specialist can assess your identity theft situation, and move forward with a fully managed resolution

Expense Reimbursement

This service provides you with a $25,000 insurance policy to reimburse expenses caused by identity theft

Bronchitis Ear Infections

Joint Aches

Pink Eye Insect Bites

Medical & ID Theft Monitoring

High-risk transaction alerts can help maintain awareness when someone has breached your information online.

Compare & Save Networks

A free health and wellness discount program with a national network of over 59,000 pharmacies to help save on prescriptions Members also gain access to discounts on a wide variety of health products and services such as dental, vision, hearing, and more!

Social Media Tracking

Receive instant notifications of potential reputation damaging items directed at you or a family member, including cyber bullying, cyber predators, and more.

Sex Offender Alerts

The 2026 Benefits Guide is provided for illustrative purposes only Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered is governed exclusively by the insurance contract and associated Summary Plan Description (SPD). In case of discrepancies between this document and the insurance contract and SPD, the contract and SPD will prevail. We reserve the right to change, modify, revise, amend or terminate these plan offerings at any time. Updates, changes, and notices are available for review at www.jeffersonbenefits.com or by contacting HR or the email above. These should be reviewed fully prior to electing any benefits.

Disclosures: All required SPD, legal and plan Disclosures are posted on the Benefit Website For a written copy please contact Campus Benefits at 866-433-7661, opt. 5.