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Benefits Guide

2027 Effective January 1, 2027 Summary for Review Purposes Only

Dr. Travis Thomas

Board of Education Joe Wigington, Chair Sue Finley, Vice Chair Thomas Gartrell Amy Gibson Steve Lowe

Superintendent

Pickens County School District Staff, I am honored to be the Superintendent of the Pickens County School District. One of our core beliefs in our system is that recruiting, retaining, and supporting dedicated employees is important to successful educational programs. We want you to experience great success as a member of our school system! If you are successful, our students will be successful; however, our support is needed to insure this happens. Part of our support we provide as a district is this partnership with Campus Benefits as our employee brokerage firm. The Pickens County School District offers a comprehensive and valuable benefits program to all benefits-eligible employees. Our benefit package is designed to provide security and assistance during a time of need. Throughout the following pages of the employee benefits guide is vital information designed to empower you as a member of the Pickens County School District. Additionally, we hope you become familiar with the various insurance options geared toward fundamental financial planning tools, products, and decisions to further enhance the future financial successes for you and your family. Please take the time to familiarize yourself with the content available in the employee benefits guide. Our simple step-by-step enrollment process is designed to help you become familiar and educate yourself with what can sometimes be an unfamiliar subject. I am proud of our employee benefits package available to you and your family and the services provided by our outstanding school system and Campus Benefits. We are grateful you are on our Pickens team! Let’s go Dragons!

Dr. Travis Thomas Superintendent Pickens County Schools

100 D.B. Carroll Street • Jasper, Georgia 30143 • (706) 253-1700 • Fax: (706) 253-1705 www.pickenscountyschools.org

IMPORTANT REMINDERS - TAKE ACTION • • • • •

Eligibility for benefits enrollment must take place within 30 days of your hire date. Remember: Please review and/or update beneficiaries annually for all benefits including, Basic Life, Voluntary Term Life & AD&D and Permanent Life policies. Important: Review and Understand Guaranteed Issue Options (New Hires). Life Events - You are required to submit any life event changes for you and eligible dependents within 30 days of an event. This Guide - This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important you review each benefit’s summary plan description (SPD) and other carrier materials before making any selections.

There are two separate benefit enrollments: 1. Campus Benefits Voluntary Benefits 2. State Health Benefit Medical Insurance

*Benefits enrollment must take place within 31 days of hire date

How to Enroll in Campus Benefits Voluntary Benefits

How to Enroll in your State Health Benefit Medical Plan

1. Visit: www.pickenscountybenefits.com

1. Visit www.pickenscountybenefits.com

2. Select the “Enroll” tab or the

2. Select the “State Health” tab 3. Select “SHBP Enrollment Link” (Refer to the

“Campus Connect” tab 3. Follow the on-screen instructions OR

SHBP section of this guide for additional

4. Contact Campus Benefits at 1.866.433.7661, opt 5

details) OR

4. Contact SHBP at 1.800.610.1863

•

Plan year is 1/1 - 12/31

•

Plan year is 1/1 - 12/31

•

Scheduled open enrollment occurs in the

•

Annual open enrollment occurs in the fall

fall (October/November)

Benefits Guide 2027 Version #10132026

(October/November) 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.

INSIDE THIS GUIDE Take Action Reminders............................. 1 Eligibility..................................................... 2 Campus Benefits Service Hub................. 3 Benefits Portal........................................... 4 Enrollment Portal Login Information..... 5 Employee Assistance Program................ 6 Disability Insurance.................................. 7-8 Life Insurance 101 ................................... 9-10 Basic Life Insurance.................................. 11 Voluntary Term Life Insurance................ 12 Permanent Life Insurance........................ 13 Vision Insurance........................................ 14 Dental Insurance....................................... 15-16 Getting the Most out of Dental/Vision... 17 Cancer Insurance...................................... 18 Critical Illness Insurance.......................... 19-20 Hospital Indemnity Insurance................. 21 Accident Insurance.................................... 22 Wellness Incentives................................... 23 Legal Plan................................................... 24 Flexible Spending Accounts..................... 25-26 MedCareComplete Program.................... 27 Retirement Information........................... 28 State Health Benefit Information........... 29-30 PCSD SHBP Rate Charts........................... 31-32

Pickens County School District offers 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. Need Help? Start Here: mybenefits@campusbenefits.com 1.866.433.7661, opt 5

Eligibility • • •

Generally, full-time employees working 20 or more hours per week are eligible to enroll in the various benefits described throughout the guide (certain rules may apply per benefit). 49% employees are eligible to enroll in FSA plans Specific plan eligibility is listed on the top of each page. Specific employee and dependent eligibility rules are governed by each plan’s policy document/certificate, which is available on your employee benefits website, or by contacting Campus Benefits.

Enrollment •

New Hire: Benefits enrollment must take place within 31 days of hire date.

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. Employees must be actively at work on the effective date of coverage.

When Do Benefits End • • • •

Coverages as an active employee end the month after your last payroll deduction month. For example, if your last payroll deductions are in March, benefits will end on April 30th. FSA ends at the end of your last month of payroll deduction. Please note: Your benefits end date will vary for employees leaving at the end of a contract year Contact Campus Benefits for benefit portability questions.

Changes • • • •

Employee benefit elections are allowed as a new hire and during the scheduled open enrollment period. The selected benefits will remain in effect throughout the plan year. A qualifying life event allows eligible changes to benefit elections throughout the plan year. For Campus Benefits all qualifying life events must be submitted within 30 days of the event date. For SHBP Health Plans all qualifying life events must be submitted within 30 days of the event date.

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.

Benefits Guide 2027

SERVICE HUB/ SUPPORT CENTER Campus Benefits is your dedicated advocate for all your voluntary benefits. When to contact the Campus Benefits Service Hub • Portability/Conversion • Claims • Benefits Education • Card Requests • Evidence of Insurability • Benefit Questions • Qualified Life Event • COBRA Information Changes

The Campus Benefits team understands the claims processes and leverages carrier relationships to expedite the paperwork efficiently and ensure claims are not delayed due to improper paperwork completion.

How to File a Claim: 1. Contact Campus Benefits via phone or email 2. Work with Campus Benefits’ claims specialist to complete the necessary paperwork • Employee Portion • Physician Portion • Employer Portion 3. Submit the necessary paperwork to Campus Benefits via the secure upload • Secure upload located at: www.pickenscountybenefits.com/contact-campus

Frequently Asked Questions (FAQs): Q: When must a qualifying life event change be made? A: For voluntary benefits, please notify Campus Benefits within 30 days of the life event date. A: For SHBP Health plan life events, please notify SHBP within 30 days of the life event date. Q: Am I required to contact Campus Benefits to file a claim? A: No. However, in our experience the number one reason for claim denial or delay is due to incomplete or inaccurate paperwork. By working with Campus Benefits’ claim specialist, we can advocate on your behalf. Q: How can I access my dental card or vision card quickly? A: Group dental and vision plan information is available at: www.pickenscountybenefits.com.

Phone: 1.866.433.7661, opt 5 Email: mybenefits@campusbenefits.com Website: www.pickenscountybenefits.com

Benefits Guide 2027

BENEFITS PORTAL! www.pickenscountybenefits.com

What can you find on the Benefits Portal? • • • • • • • • • • •

Employee Benefits Guide Plan specific highlight sheets Policy documents and certificates Claim forms Wellness forms Links to carrier websites Link to SHBP Information Access to the enrollment system Contact the Campus Benefits Service Hub Secure upload link Qualifying life event information and submission links

Campus Benefits is your dedicated contact for the voluntary plans included within this benefits guide (excludes SHBP Health). 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.

Benefits Guide 2027

CAMPUS BENEFITS ENROLLMENT Website: www.pickenscountybenefits.com

1 2 3

Existing User Login Select “Campus Connect” to login

1. Enter your username 2. Enter your password 3. Click “LOGIN” 4. Click on the “Start Benefits” button and begin the enrollment process

New Use Registration

FAQ’S

1. On Login page click on “Register as a new user” and enter information below • • • • •

First Name Last Name Company Identifier: PCSD2023 PIN: Last 4 Digits of SSN Birthdate

2. Click “Next” 3. Username: Work email address or one you have provided to HR when you were hired 4. Password: Must be at least 6 characters and contain a symbol and a number 5. Click on “Register” 6. On the next page, it will show your selected Username. Click on “Login” 7. Enter Username and Password 8. Click “Start Benefits” to begin the enrollment

STILL NEED HELP? Contact Campus Benefits Email: mybenefits@campusbenefits.com Call 1.866.433.7661, opt 5

Company Identifier: PCSD2023

www.pickenscountybenefits.com

Benefits Guide 2027

What is my username? • Work email address OR • Email address you provided to HR when hired OR • Email address you used to previously change your username What is my password? To create or reset a forgotten password follow the steps on the login page using tips below. • • •

Password must be at least 6 characters It must contain a symbol and a number Using uppercase, numbers and symbols greatly improves security

EMPLOYEE ASSISTANCE PROGRAM MetLife Lifeworks EAP Eligibility: Eligible employees, their eligible household members and dependent children up to age 26 • Coverage through MetLife • Provides support, resources, and information for personal and work-life challenges • Receive up to five phone or video consultations with licensed counselors for you and eligible household members, per issue, per calendar year • Call 1.888.319.7819 or visit www.metlifeeap.lifeworks.com User name: metlifeeap, password: eap

Life doesn’t always go as planned and while you can’t always avoid the twists and turns, you can get help to keep moving forward. We can help you and your family, those living at home, get professional support and guidance to make life a little easier.

METLIFE LIFEWORKS Help is always at your fingertips - Download the Mobile App today! • Search “LifeWorks” on iTunes App Store or Google Play. • Log in with the user name: metlifeeap and password: eap Expert advice for work, life, and your well-being

Convenient and confidential help when you want it, how you want it

The program’s experienced counselors provided through LifeWorks — one of the nation’s premier providers of Employee Assistance Program services — can talk to you about anything going on in your life, including: • Family • Work

1. Call 1.888.319.7819 24/7/365. 2. Select “Employee Assistance Program” when prompted. You’ll immediately be connected to a counselor.

•

Money

•

Legal Services

•

Identity Theft Recovery

•

Health

•

Everyday Life

•

Easy to use educational tools and resources, online and through a mobile app.

•

Chat feature available so you can talk with a consultant to guide you to the information you are looking for or help you schedule an appointment with a counselor.

Log on to www.metlifeeap.lifeworks.com, user name: metlifeeap and password: eap Plan Rates Coverage provided at no cost to you.

Benefits Guide 2027

SHORT-TERM DISABILITY What is Short-Term Disability Insurance? A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a shorter period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection. Eligibility: Eligible full-time employees working 20+ hours per week • Coverage through Mutual of Omaha • Employee must be actively at work on the effective date • Must use sick leave in conjunction with disability • STD pays in addition to sick leave and Paid Parental Leave above 100% of pre-disability earnings • No health questions EVERY YEAR!

Short-Term Disability Quick Summary Elimination Period

Benefits begin after you have been out of work due to an injury or illness for the elimination period Option 1: 14 Calendar days OR Option 2: 30 Calendar days

Benefit Duration

Covers accidents and sicknesses: Up to 9 weeks (30 calendar days) OR Up 11 weeks (14 calendar days) (Based on elimination period option chosen)

Benefit Percentage (weekly)

40%, 50%, 60% of your gross weekly salary

Maximum Benefit Amount (weekly)

$1,500

Pre-existing condition

3/6 - Any condition that you receive medical attention for in the 3 months prior to your effective date of coverage that results in a disability during the first 6 months of coverage, would not be covered. (Applies to new enrollees only)

Important Notes: Disability benefits offset with other outside sources of income (Social Security, pensions, etc.). Please consult with a benefits counselor on how this benefit will coordinate. Plan Rates Cost of coverage is based on your age, salary and option chosen. Please log into the enrollment system or call Campus Benefits for premium rates.

Benefits Guide 2027

LONG-TERM DISABILITY What is Long-Term Disability Insurance? A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a long period of time, up to Social Security Normal Retirement Age. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection. Eligibility: Eligible full-time employees working 20+ hours per week • Coverage through Mutual of Omaha • Employee must be actively at work on the effective date • Does not pay in-addition to sick leave • No health questions EVERY YEAR!

Long-Term Disability Quick Summary Elimination Period

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

Benefit Duration

Covers accidents and sicknesses up to Social Security Normal Age of Retirement. There is a 24 month lifetime of drugs & alcohol and mental disorders. (Please note exclusions or limitations may apply, see plan certificate for details).

Benefit Percentage (monthly)

60% of your gross monthly salary

Maximum Benefit Amount (monthly)

$6,000

Pre-existing condition

6/12 - Any condition that you receive medical attention for in the 6 months prior to your effective date of coverage that results in a disability during the first 12 months of coverage would not be covered. (Applies to new enrollees only)

Important Notes: Disability benefits offset with other outside sources of income including sick leave. Please consult with a benefits counselor on how this benefit will coordinate. Plan Rates Cost of coverage is based on your age, salary and option chosen. Please log into the enrollment system or call Campus Benefits for premium rates.

Benefits Guide 2027

LIFE INSURANCE 101 The need for life insurance depends on each individual life situation. If loved ones are financially dependent on you, then buying life insurance coverage can absolutely be worth it. Even if you don’t have financial dependents yet, life insurance can be a valuable solution for making death easier on a family (at least financially.) There are two voluntary life insurance options offered through your employer: Term Life Insurance and Permanent Life Insurance. The following is an overview of differences. Term Life and Permanent Life work best used in conjunction with one another. Term Life can protect your family in your younger working years and Permanent Life can protect your family in your retirement years.

Benefits Guide 2027

LIFE INSURANCE 101 TERM LIFE INSURANCE Term Life insurance is illustrated on the bell curve below. The term life offered is a group policy which allows you to get more benefit for less premium. • Term life insurance is for the unexpected death • Includes an Accidental Death & Dismemberment Benefit • Term life insurance is flexible and allows changes to your benefit amount each year depending on life changes. For example, as you get married and have children the need for term insurance often increases. As you near retirement, the need for term life insurance often decreases. • Coverage is portable at retirement or if you leave the employer (premium will increase) • Premiums are based on age and increase as you get older

PERMANENT LIFE INSURANCE Permanent Life Insurance is illustrated above along the bottom of the graph with a straight blue arrow. • Permanent life insurance offers a stable premium along the lifetime of the policy • Permanent life offers a level premium and is meant to take into retirement • Permanent life is an issue age policy based on your age when the policy is issued • This is an individual plan you can take with you regardless of where you work

Benefits Guide 2027

BASIC LIFE AND AD&D INSURANCE What is Basic Life Insurance and Accidental Death & Dismemberment Insurance? A financial and family protection plan paid for by Pickens County School District, which provides a lump-sum payment, known as a death benefit, to a beneficiary upon the death of employee. AD&D coverage is included as a part of life insurance benefits and will pay out a lump-sum death benefit in the event you or a covered loved one are killed accidentally or die later as the direct result of an accident. Eligibility: Eligible full-time employees working 20+ hours/week • Coverage through MetLife • Premiums paid by Pickens County School District, at no cost to you. You will be automatically enrolled in this benefit when hired- please remember to designate your beneficiaries Basic Life Benefits Quick Summary PLAN MAXIMUMS Employee

$20,000 (AD&D matches life amount) GUARANTEED ISSUE (NO HEALTH QUESTIONS)

Age Reduction

50% at age 70 ADDITIONAL PLAN INFORMATION/OPTIONS

Waiver of Premium (disabled prior to 60, waiting period 6 months, coverage continues to 65) Life: Conversion & Portability option included. AD&D: Portability option only Accelerated Benefit Option: Receive up to 80% of benefit (life expectancy is 12 months or less)

Plan Rates Premiums paid by Pickens County School District, at no cost to you.

Benefits Guide 2027

VOLUNTARY TERM LIFE AND AD&D INSURANCE What is Voluntary-Term Life and Accidental Death & Dismemberment Insurance? Proceeds can be used to replace lost potential income during working years and help ensure your family’s financial goals will still be met; goals like paying off a mortgage, keeping a business running, and paying for college. AD&D coverage is included as a part of life insurance benefits and will pay out a lump sum death benefit in the event you or a covered loved one are killed accidentally or die later as the direct result of an accident. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and unmarried children (up to age 26)* • Coverage through MetLife • Employee must be actively at work on the effective date of coverage • Only covered employees may elect dependent coverage • Employee and spouse cannot be double covered if both work for Pickens County School District • Children cannot be covered by both parents if both work for Pickens County School District • Dependent coverage may not exceed employee coverage amounts • If electing for the first time outside of the initial open enrollment period or for an amount over the Guaranteed Issue Amount, health questions will be required * Child marital status may impact benefit eligibility Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Benefits Quick Summary LIFE AND AD&D AMOUNT (AD&D amount matches life amount) Employee

Increments of $10,000 up to the lesser of $500,000 or 6 times annual salary

Spouse

Increments of $5,000 up to $150,000 (Minimum $10,000) (100% of Employee Election)

Child(ren) (up to Age 26)

Increments of $5,000 up to $10,000 GUARANTEED ISSUE /NO HEALTH QUESTIONS (NEW HIRE/INITIAL ENROLLMENT)

Employee

$200,000

Spouse

$50,000

Child(ren) > 15 days old

$10,000

GUARANTEED INCREASE IN BENEFIT

If enrolled: Employees can increase by $30,000 with no health questions up to the guaranteed issue amount of $200,000 Spouse can increase by $5,000 with no health questions up to the guaranteed issue amount of $50,000

Age Reduction

None ADDITIONAL FEATURES

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

Benefits Guide 2027

PERMANENT LIFE INSURANCE What is Permanent Life Insurance? Coverage that provides lifelong protection and the ability to maintain a level premium. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and children (up to age 26) • Coverage through UNUM • Underwriting may be required. Coverage is not guaranteed until approved by the carrier. • Upon termination or retirement, coverage continuation is available at the same cost • No Health Questions up to the guaranteed issue amount if enrolling during the initial enrollment period or as a new hire. Otherwise, health questions will be required outside of open enrollment and for an amount over the guaranteed issue.

Permanent Life Benefits Quick Summary PLAN MAXIMUMS Employee (ages 15 - 80)

$2,000 - $150,000

Spouse (ages 15 - 80)

$2,000 - $35,000

Children (14 days - age 26)

$5,000 - $50,000

GUARANTEED ISSUE (NO HEALTH QUESTIONS AT INITIAL/NEW HIRE ENROLLMENT) Employee

Up to $100,000 (ages 15 - 50) Up to $50,000 (ages 51 - 80)

Spouse

Conditional GI (one qualifying question) Up to $25,000 (ages 15 - 50) Up to $10,000 (ages 51 - 80)

Child

Up to $25,000 ADDITIONAL PLAN INFORMATION/OPTIONS Coverage is portable at the same cost. Accelerated Death Benefit: 12 months or less ($75% up to $100,000 w/$200 fee)

Benefits Guide 2027

VISION 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). Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children (up to age 26) • Coverage through MetLife • In-Network Provider Directory: www.metlife.com/insurance/vision-insurance/#find-a-provider • Network: Superior Vision • The chart below is a sample of covered services. Please see plan certificate for a detailed listing of services in their entirety, which is available on your Employee Benefits Website. Vision Benefits Quick Summary (In-Network)

High Plan

Low Plan

Exam

$10 Copay

Retinal Imaging

Up to $39 Copay

Frames ($10 Materials Copay; Included in lens copay)

$175 allowance + 20% off balance (Additional discount not available at Walmart, Sam’s & Costco)

Single/Bifocal/Trifocal/Lenticular

$130 allowance + 20% off balance (Additional discount not available at Walmart, Sam’s & Costco)

$15 Copay

Elective Contacts (Conventional)

$175 allowance + 20% off balance

$130 allowance + 20% off balance

Elective Contacts (Disposable)

$175 allowance + 10% off balance

$130 allowance + 10% off balance

Fit & Follow-up (Standard)

$15 Copay

Medically Necessary Contacts

Covered in Full

UV Treatment

Up to $12 Copay Solid/Blue Light: $15 Copay Gradient: $18 Copay

Tint Scratch Resistant Coating

Up to $15 - $30 Copay

Standard Polycarbonate

Children (age to 18): Covered in Full Adults: $40 Copay

Progressive Lens

Covered in Full (Standard, Premium, Progressive-Ultra, Ultimate)

Anti-Reflective

Up to $50 - $120 Copay

Photochromic Lenses

Up to $80 Copay

Frequencies (Exam/Frames /Lenses) Second Pair Benefit (2nd pair allowance must be submitted on two separate invoices)

Monthly Rates

Every 12 months (based on date of service)

•

• Two pairs of prescription glasses One pair of prescription glasses and one allowance towards contacts • Double your contact lens allowance

High Plan

Low Plan

Employee

$12.91

$9.59

Employee + One

$21.37

$15.97

Employee + Family

$29.75

$22.28

Not Covered

Network: Superior Vision Pickens County Board of Education

5385684

Group Name

Group Number

This card is not a guarantee of coverage or eligibility. Access specific plan information at metlife.com/mybenefits.

1.800.438.6388

metlife.com/mybenefits

*Click on id card for more information and printable version (electronic guide) 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 Benefits Guide 2027 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.

DENTAL What is Dental Insurance? A health and wellness plan designed to pay a portion of dental costs associated with preventive, basic, some major dental care, as well as orthodontia. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children (up to age 26) • Coverage through MetLife • In-Network Provider Directory: www.metlife.com (Network: PDP Plus) • Claims must be submitted within 90 days of date of service • Orthodontics available for adults (employee & spouse) and children • The chart below is a sample of covered services. Please see plan certificate for a detailed listing of services in their entirety, which is available on your Employee Benefits Website. Coinsurance

High Plan

Middle Plan

Low Plan

Preventive - Type A

100%

Basic - Type B

80%

50%

80%

Major - Type C

50%

Not Covered

Orthodontics - Type D Adults & Children

50%

Not Covered

High Plan

Middle Plan

Low Plan

Dental Benefits Summary Calendar Year Deductible

$50/person (Waived for diagnostic & preventive)

Out of Network Coverage

All plans - 90th UCR

Waiting Period

None

Calendar Year Plan Maximum

$1,500

$1,250

$750

Orthodontia Maximum (Lifetime)

$1,000

Not Covered

Monthly Rates

High Plan

Middle Plan

Low Plan

Employee

$51.62

$36.08

$31.44

Employee + Spouse

$108.35

$75.76

$65.90

Pickens County Board of Education

5385684

Employee + Children

$104.40

$72.69

$63.24

Group Name

Group Number

Family

$186.27

$129.58

$112.66

Network: PDP Plus

This card is not a guarantee of coverage or eligibility. Access specific plan information at metlife.com/mybenefits.

1.800.438.6388

metlife.com/mybenefits

*Click on id card for more information and printable version (electronic guide)

Benefits Guide 2027

DENTAL Services

High Plan

Middle Plan

Low Plan

Type A - Preventive Examinations (2 times 1 calendar year)

100%

Prophylaxis / Cleanings (2 times 1 calendar year)

100%

Fluoride (2 times 1 calendar year; children < 19)

100%

Full mouth X-rays (1 time every 60 months)

100%

Bitewing X-Rays (2 times 1 calendar year)

100%

Type B - Basic Sealants (Child < 16, 1 per molar in 36 months)

80%

50%

80%

Space Maintainers (Child < 14, 1 per lifetime)

80%

50%

80%

Consultations (1 in 12 months)

80%

50%

80%

Amalgam Fillings (1 replacement per surface in 24 months)

80%

50%

80%

Periodontal Maintenance (2 perio in 1 calendar year)

80%

50%

80%

Scaling & Root Planing (1 per quadrant in any 24 month period)

80%

50%

80%

General Anesthesia

80%

50%

80%

Resin Composite Fillings

80%

50%

80%

Periodontics (Non-surgical)

80%

50%

80%

Oral Surgery: Simple Extractions

80%

50%

80%

Type C - Major Root Canal; Prefabricated Crowns (1 per tooth in 24 months)

50%

Not Covered

Periodontal Surgery (1 per quadrant in any 36 month period)

50%

Not Covered

Crown Buildups / Post Core (1 per tooth in 60 months)

50%

Not Covered

Repairs / Recementations (1 time in 24 months)

50%

Not Covered

Dentures (1 in 60 months)

50%

Not Covered

Oral Surgery: Surgical Extractions

50%

Not Covered

Fixed Bridges (1 in 60 months)

50%

Not Covered

Inlays / Onlays / Crowns (1 replacement per tooth in 60 months)

50%

Not Covered

Implant Services/Repairs (1 per tooth position in 60 months)

50%

Not Covered

Benefits Guide 2027

GET THE MOST OUT OF YOUR DENTAL/VISION PLANS DENTAL PLAN

Dental insurance pays a portion of the costs associated with dental care. Tips for utilizing your benefit

Look for participating dentist online at www.metlife.com.

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

Go to www.metlife.com/ mybenefits or download the MetLife Mobile App. Find providers, view claims and more. Group name: Pickens County Board of Education

Your dentist can request a pre-treatment estimate for any service that is more than $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.

DID YOU KNOW?

VISION PLAN

Your vision plan allows you to visit any licensed vision specialist and receive coverage. Just remember, your benefits go further when you go in-network. •

• • • •

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. Visit www.metlife.com for a listing of in-network providers. Network: Superior Vision Your vision care expenditures qualify as an eligible expense under the available Flexible Spending Account Plan. See FSA page for more information. You can access additional plan information on your benefits website: www.pickenscountybenefits.com 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/mybenefits.com. • Enter Pickens County Board of Education as your employer/organization. Use your benefits and shop online. Visit www.eyeconic.com and click on insurance benefits (under Help menu) to apply your MetLife vision benefits.

Benefits Guide 2027

CANCER What is Cancer Insurance? Cancer insurance is a form of supplemental insurance meant to offset cancer-related expenses so you can focus on recovery. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and children (up to age 26) • Coverage through Guardian • No health questions – every year! • The chart below is a sample of covered services. Please see plan certificate for a detailed listing of services in their entirety, which is available on your Employee Benefits Website. Premier (High plan)

Cancer Benefits Quick Summary

Advantage (Low plan)

Hospital Related Benefits Initial Diagnosis Benefit Amount (must be first time diagnosis, 30 day waiting period)

Employee, Spouse & Child: $5,000

Employee, Spouse & Child: $2,500

Hospital Confinement

$400 (First 30 days) $800 (After 30 days)

$300 (First 30 days) $600 (After 30 days)

ICU Confinement

$600 (First 30 days) $800 (After 30 days)

$400 (First 30 days) $600 (After 30 days)

Air Ambulance (Max 2 trips per confinement)

$2,000/trip

$1,500/trip

Hospice (Max 100 days)

$100/day

$50/day

Radiation, Chemotherapy & Related Benefits Radiation Therapy Chemotherapy

Up to $15,000/year

Up to $10,000/year

Blood/Plasma/Platelets

Up to $10,000/year

Up to $5,000/year

$200

$100

Medical Imaging (max per year)

Surgery & Related Benefits Reconstructive Surgery

Breast TRAM $3,000 Breast reconstruction $700 Breast Symmetry $350 Facial reconstruction $700

Breast TRAM Flap $2,000 Breast reconstruction $500 Breast Symmetry $250 Facial reconstruction $500

Bone Marrow/Stem Cell

Bone Marrow: $10,000 Stem Cell: $2,500

Bone Marrow: $7,500 Stem Cell: $1,500

Miscellaneous Benefits Prosthetic

Up to $6,000/lifetime

Up to $4,000/lifetime

Biopsy Only: $100 Reconstructive Surgery: $250 Excision of a skin cancer: $375 Excision of a skin cancer with flap or graft: $600

Skin Cancer

Experimental Treatment Pre-Existing Condition Limitation - A

pre-existing condition includes any condition for which an employee, in the specified time period prior to coverage in this plan, consults with a physician, receives treatment, or takes prescribed drugs.

Up to $2,400/month

Up to $1,000/month

12/12 - Anything received treatment for 12 months prior to the effective date of coverage, will not be covered for the first 12 months

Cancer Screening

$50 - (see wellness incentives page)

Portability

Included (must port prior to age 70)

Premier

Advantage

Employee

Monthly Rates

$32.72

$21.02

Employee + Spouse

$61.93

$39.82

Employee + Child

$36.06

$23.64

Employee + Family

$65.27

$42.44

Benefits Guide 2027

CRITICAL ILLNESS 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. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children (up to age 26) • Coverage through MetLife • Attained Age (Tobacco/Non-Tobacco) - Rates increase with age • Spouse coverage based on employee age • No health questions – every year! • The chart below is a sample of covered services. Additional information can be found on your benefits website.

Critical Illness Benefits Quick Summary Employee

$10,000 - $30,000 (increments of $5,000)

Spouse

50% of employee amount ($5,000 - $15,000) 25% of employee amount up to $5,000 (no additional cost)

Dependent Children Max Payout

700% of elected benefit (not to exceed $250,000) Invasive Cancer (100% of benefit amount) Non-Invasive (50% of benefit amount) Skin Cancer (25% of benefit amount, not less than $250)

Cancer ANNUAL WELLNESS INCENTIVE Re-occurrence Benefit (Same Illness)* *Exclusions apply - see plan certificate for details Second Occurrence (Different Illness)

$50 per year per covered person (See wellness incentives page) 30 Day No separation period

Age Reduction

None

Pre-existing Condition

None

Portability

Included

Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Please contact a Campus Benefits counselor for rate details.

Benefits Guide 2027

Covered Illnesses Heart Attack

100%

Sudden Cardiac Arrest

100%

Stroke

100% & 25% - TIA

Major Organ Failure

100% - Transplant

Permanent Paralysis

100%

End State Renal Failure (Kidney)

100%

Coronary Artery Disease

50% - Coronary Artery Bypass Graft

Coma

100%

Benign Brain Tumor

100%

Loss of Hearing, Sight, or Ability to Speak

100%

Severe Burn

100%

Cancer

100%

Non-Invasive Cancer

50%

Skin Cancer

25% - not less than $250

Childhood Diseases (Based on Child Benefit)

100% - Cerebral Palsy, Cleft Lip/Palate, Cystic Fibrosis, Type 1 Diabetes, Down Syndrome, Sickle Cell Anemia, Spina Bifida

Progressive Diseases

100% - Addison's Disease, ALS, Alzheimer's, Huntington's Disease, Multiple Sclerosis, Muscular Dystrophy, Advanced Parkinson's Disease, Poliomyelitis, Primary Sclerosing Cholangitis, Systemic Lupus Erythematosus

Infectious Diseases

(Must be hospitalized for 5 days) 50% - Encephalitis 25% - Bacterial Cerebrospinal Meningitis, COVID-19, Diphtheria, Legionnaire's Disease, Lyme Disease, Malaria, Necrotizing Fasciitis, Osteomyelitis, Rabies, Rocky Mountain Spotted Fever, Tetanus, Tuberculosis, Typhoid Fever

Additional Benefits

25% - Autism Spectrum Disorder 100% - Occupational Hepatitis or HIV

Benefits Guide 2027

HOSPITAL INDEMNITY What is Hospital Indemnity Insurance? A plan which pays your benefits when you are confined to a hospital, whether for planned or unplanned reasons. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children (up to age 26) • Coverage through MetLife • No health questions – every year! • Benefits are not offset with health insurance payments and are paid directly to you. • Routine delivery of a child or children or delivery of a child or children by non-emergency Cesarean section are covered. • The chart below is a sample of covered services. Please see plan certificate for a detailed listing of services in their entirety, which is available on your Employee Benefits Website.

Hospital Indemnity Benefits Quick Summary High Plan

Low Plan

Admission (4 x per year, separated by 90 days)

$1,000

$500

Hospital Confinement (Max 365 days per calendar year)

$200/day

$100/day

ICU Admission

$1,000

$500

ICU Confinement (Max 365 days per calendar year)

$200/day

$100/day

Confinement for Newborn Nursery Care (Max 2 per confinement)

$50/day

$25/day

Age Reduction

None

Pre-existing Condition

None

Benefits Waiting Period

None $50 per covered person See the wellness incentives page for details

Wellness Incentive

Please see plan certificate for additional plan rules, exclusions and details.

Benefits Guide 2027

Monthly Rates

High Plan

Low Plan

Employee

$21.67

$12.82

Employee + Spouse

$40.14

$23.89

Employee + Child(ren)

$32.24

$19.29

Employee + Family

$50.72

$30.36

ACCIDENT What is Accident Insurance? A financial and family protection plan designed to help pay for the medical and out-of-pocket costs a covered individual may incur after an accidental injury either on or off the job.

Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children (up to age 26) • Coverage through MetLife • No health questions – every year! • The chart below is a sample of covered services. Please see plan certificate for a detailed listing of services in their entirety, which is available on your Employee Benefits Website. Accident Benefits Quick Summary INJURIES

HIGH PLAN

LOW PLAN

*If multiple fractures/dislocations, max benefit payable is 2 times the highest fracture/ dislocation benefit

$200 - $10,000

$100 - $8,000

High Plan Monthly Rates

Second and Third Degree Burns

$100 - $15,000

$75 - $10,000

$500

$250

Employee $12.08

Cuts/Lacerations

$75 - $700

$50 - $400

Coma

$10,000

$7,500

Fractures/Dislocations

Concussions

MEDICAL SERVICES & TREATMENT Ambulance (Ground)

$400

$300

Emergency Room Treatment

$200

$150

$200 - $2,000

$150 - $1,500

Surgery Benefits Physician Office Visit (Max 6)

$100

$75

Medical Testing Benefit

$200

$150

$25 - $200

$50 - $300

$400

$300

Broken Tooth Benefit (Accident) Eye Injury

ACCIDENTAL DEATH Basic Accidental Death

E: $50,000 S: $25,000 C: $10,000

E: $25,000 S: $12,500 C: $5,000

Accidental Death Common Carrier

E: $150,000 S: $75,000 C: $30,000

E: $75,000 S: $37,500 C: $15,000

The accident benefit also includes an accidental dismemberment/functional loss/paralysis benefit. See plan certificate for details.

Employee + Spouse $23.75 Employee + Child(ren) $28.48 Employee + Family $33.64 Low Plan Monthly Rates Employee $9.32 Employee + Spouse $18.41 Employee + Child(ren) $22.16 Employee + Family $26.16

HOSPITAL COVERAGE (ACCIDENT) Hospital Admission ICU Admission (pays in addition to Hospital

$1,500

$1,000

Confinement (Max 365) ICU Confinement (pays in addition to

$300/day

$200/day

$150/day

Admission)

Hospital Admission)

Inpatient Rehabilitation

(15 days per accident; 30 days per calendar year)

Age Reduction

None

Pre-existing Condition

None

Wellness Incentive

$50 See wellness incentives page for details

Benefits Guide 2027

WELLNESS INCENTIVES What are Wellness Incentives? An annual reimbursement for covered members who complete one of the eligible screening procedures on your eligible critical illness, hospital indemnity, accident and cancer plans. Eligibility: • If you or a covered dependent get one of the eligible screenings, you can file a wellness claim • Once approved, you will receive a check for the wellness benefit amount • The wellness benefit can be submitted annually as long as your critical illness, hospital indemnity, accident and cancer plans are in force Available Incentives Metlife Accident, Critical Illness & Hospital Indemnity

$50/year

Guardian Cancer

$50/year

What Qualifies as Wellness? MetLife Accident, Critical Illness & Hospital Indemnity • • • • • • • • • • • • • • • • • • • • • • • • • • •

Routine health check-up exam Biopsies for cancer Blood chemistry panel Blood test to determine total cholesterol Blood test to determine triglycerides Bone marrow testing Breast MRI Breast ultrasound Breast sonogram Cancer antigen 15-3 blood test for breast cancer (CA 15-3) Cancer antigen 125 blood test for ovarian cancer (CA 125) Carcinoembryonic antigen blood test for colon cancer (CEA) Carotid doppler Chest x-rays Clinical testicular exam Colonoscopy Complete blood count (CBC) Corona virus testing Dental exam Digital rectal exam (DRE) Doppler screening for cancer Doppler screening for peripheral vascular disease Echo cardiogram Electrocardiogram (EKG) Electroencephalogram (EEG) Endoscopy Eye exams

• • • • • • • • • • • • • • • • • • • • • • • • • •

Fasting blood glucose test Fasting plasma glucose test Flexible sigmoidoscopy Hearing test Hemoccult stool specimen Hemoglobin A1C Human papilloma virus (HPV) vaccination Immunization Lipid panel Mammogram Oral cancer screening Pap smears or thin prep pap test Prostate-specific antigen (PSA) test Serum cholesterol test to determine LDL and HDL levels Serum protein electrophoresis Skin cancer biopsy Skin cancer screening Skin exam Stress test on bicycle or treadmill Successful completion of smoking cessation program Tests for sexually transmitted infections (STIs) Thermography Two-hour post-load plasma glucose test Ultrasounds for cancer detection Ultrasound screening of the abdominal aorta for abdominal aortic aneurysms Virtual colonoscopy

Guardian Cancer • • • • • • • • • • • • • • • • • • •

Bone marrow testing BRCA testing Breast ultrasound Breast MRI CA 15-3 (blood test for breast cancer) CA125 (blood test for ovarian cancer) CEA (blood test for colon cancer) Chest x-ray Colonoscopy/Virtual Colonoscopy CT scans /MRI scans Flexible sigmoidoscopy Hemoccult stool analysis Mammography Pap smear /ThinPrep pap test PSA (blood test for prostate cancer) Serum protein electrophoresis (blood test for myeloma) Testicular ultrasound Thermograph

How to Submit a Claim? • • •

Call 1-800-GET-MET8. (800-438-6388) File your Health Screening Benefit online through the MyBenefits portal at www.metlife.com/mybenefits or by mail with a paper claim form. Important Note: Must use Pickens County Board of Education when registering for a MetLife MyBenefits Account.

•

Log on to www.guardianlife.com and select “My Account/Login” to register or access your account

Additional wellness information and claim forms can be found on your employee benefits website

Benefits Guide 2027

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. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children (up to age 26) • Coverage through MetLife • Elder Care extends to parents and in-laws • 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) • High Plan: For non-covered matters that are not otherwise excluded, your plan provides four hours of network attorney time and services per year • Additional information can be found on your benefits website (www.pickenscountybenefits.com) Low Plan Quick Summary Money Matters

Home & Real Estate

Estate Planning

Family & Personal

Civil Lawsuits

Elder Care Issues

Vehicle & Driving

High Plan Quick Summary

• • • • •

Identity Theft Defense Negotiations with Creditors Promissory Notes Debt Collection Defense Tax Collection Defense

• • • • •

Identity Theft Defense Negotiations with Creditors Promissory Notes Debt Collection Defense Tax Collection Defense

• • • • • •

Deeds Mortgages Foreclosure Tenant Negotiations Eviction Defense Security Deposit Assistance

• • • • • •

Deeds Mortgages Foreclosure Tenant Negotiations Eviction Defense Security Deposit Assistance

• • • • •

Simple and Complex Wills Healthcare Proxies Living Wills Codicils Powers of Attorney (Healthcare, Financial, Childcare, Immigration

• • • • •

Simple and Complex Wills Healthcare Proxies Living Wills Codicils Powers of Attorney (Healthcare, Financial, Childcare, Immigration

• • • • • • • • • •

Guardianship Conservatorship Name Change Review of ANY Personal Legal Document School Hearings Demand Letters Affidavits Personal Property Issues Garnishment Defense Domestic Violence Protection

• • • • • • • • • •

Guardianship Conservatorship Name Change Review of ANY Personal Legal Document School Hearings Demand Letters Affidavits Personal Property Issues Garnishment Defense Domestic Violence Protection

•

Disputes over Consumer Goods & Services Administrative Hearings Incompetency Defense

•

Disputes over Consumer Goods & Services Administrative Hearings Incompetency Defense

• •

• • • •

Personal Bankruptcy LifeStages Identity Management Tax Audit Representation Financial Education Workshops

• • • • •

Sale or Purchase (Primary or Vacation Home) Refinancing & Home Equity Property Tax Assessments Boundary & Title Disputes Zoning Applications

•

Revocable & Irrevocable Trusts

•

Juvenile Court Defense (Including Criminal Matters) Parental Responsibility Matters Review of Immigration Documents Prenuptial Agreement Adoption

• • • •

• • •

Civil Litigation Defense & Mediation Small Claims Assistance Pet Liabilities

Consultation & Document review for issues related to your (or spouses) parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements • Leases • Promissory Notes • Deeds • Wills • Power of Attorney

Consultation & Document review for issues related to your (or spouses) parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements Low Plan High Plan • Leases Monthly Rate Monthly Rate • Promissory Notes • Deeds • Wills $8.00 $16.50 • Power of Attorney

• • • •

Repossession Defense of Traffic Tickets Driving Privileges Restoration License Suspension due to DUI

NO CO-PAY if using an in-network attorney

Benefits Guide 2027

FLEXIBLE SPENDING ACCOUNTS What are Medical Flexible Spending (FSAs) Accounts? A pre-tax benefit account used to pay for out-of-pocket healthcare costs such as deductibles, co-pays, prescribed medication, and other medical costs. What are Dependent Care Accounts? A pre-tax benefit account used to pay for dependent care services such as preschool, summer day camp, before or after school programs, and child or elder daycare. Eligibility: • Coverage through Consolidated Admin Services (CAS) • Plan year is from January 1 - December 31st; employees must re-enroll each year • Only family status changes will allow you to change your annual election. The altered election must be consistent with the status change. • Married and not filing jointly participants limited to $3,750 deferral for Dependent Care • Transfer of funds between the Dependent Care and Medical Care accounts are not allowed • Please visit your Employee Benefits website for a complete listing of eligible expenses and qualifying dependent care services. FSA Benefits Quick Summary MEDICAL FSA ACCOUNT Minimum Contribution

$300 annually

Maximum Contribution

$3,400 annually

CARRYOVER MAX- Amount of funds carried over to the next year. Must re-enroll to access carryover funds.

$680

Medical FSA funds are available at the beginning of the plan year. DEPENDENT CARE FSA ACCOUNT Minimum Contribution

$300 annually

Maximum Contribution

$7,500 annually None (Unused funds are forfeited)

CARRYOVER MAX

Dependent care funds are available as they are payroll deducted. Plan Rules Runout Period - The amount of time to turn in receipts for services rendered during the plan year.

30 days after end date to turn in receipts

All receipts should be kept to submit if verification is requested

IMPORTANT NOTE:

Admin Fee

Fee Per Participant Per Month

$3.50

Replacement Card Fee

$10.00

Benefits Guide 2027

Dependent Care FSA is for eligible expenses related to the care of your child, disabled spouse, elderly parent, or other dependent who is physically or mentally unable for self-care (i.e. day care, adult day care) or is disabled. Medical expenses for your dependent are not eligible for reimbursement under the Dependent Care account.

FLEXIBLE SPENDING ACCOUNTS HELPFUL RESOURCES

What is covered under a Medical FSA Account? • • • • • • • •

Medical coinsurance and deductible FSA Eligibility List Doctor’s office visit co-pays www.consolidatedadmin.com/fsa-hsa-eligibleEmergency Room costs expenses Dental co-pays and out-of-pocket costs FSA Calculator (Estimates how much you can save with an FSA) Vision co-pays and out-of-pocket costs www.fsastore.com/fsa-calculator Contacts and glasses Prescriptions Please see the full eligibility list for other covered expenses

Who is covered under a Dependent Care Account? • •

Children ages 12 and under (including stepchildren, grandchildren, adopted or foster children, and children related to you who are eligible for a tax exemption on your federal tax return). Tax dependents residing with you and incapable of self-care (this could include your spouse, a child age 13 and over, and elderly parents).

The CARES Act permanently reinstates over-the counter products, and adds

menstrual care products for the first time, as eligible expenses for your FSA funds WITHOUT A PRESCRIPTION! Eligible items for purchase without a prescription now include, but are not limited to: • Pain relief medications, e.g., acetaminophen, ibuprofen, naproxen sodium • Cold & flu medications • Allergy medications • Acne treatments • Eye drops • Stomach & digestive aids • Pads, tampons and menstrual sponges • Sleep aid • Children’s pain relievers, allergy medicines, and digestive aids

IMPORTANT NOTE: Dependent Care FSA is for eligible expenses related to the care of your child, disabled spouse, elderly parent, or other dependent who is physically or mentally unable for self-care (i.e. day care, adult day care) or is disabled. Medical expenses for your dependent are not eligible for reimbursement under the Dependent Care account.

Benefits Guide 2027

MEDCARECOMPLETE

THE SMART WAY TO REDUCE YOUR HEALTHCARE COSTS

What is MedCare Complete? A bundle of services constructed to save you time and money while simplifying your life. Eligibility: Eligible full-time employees working 20+ hours/week, spouse, and unmarried children (up to age 26) • Coverage through MedCareComplete • This is a supplemental benefit and does not replace health insurance. • Register @ MCC: www.Medcarecomplete.com/members to access the full range of benefits • Register @ 1800MD: www.1800md.com or 800.388.8785 to access telemedicine benefits

Included with the MedCareComplete Membership: Medical Bill Negotiator

Restoration Expert

Medication Management

Identity Loss Expense Reimbursement

Telemedicine

Social Media Tracking

Medical & ID Theft Monitoring

Sex Offender Alerts

Medical Bill Negotiator A medical bill advocate will identify and appeal common billing errors and overcharges on your behalf. Advocates provide continuous support throughout the appeal that typically results in an average savings of 40% on 80% of the bills reviewed.

Telemedicine Get 24/7/365 on-demand telephone access to Board-certified physicians for diagnosis and prescriptions for common and 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 Migraines Heartburn Fever Rashes Sinus Conditions Headache Bacterial Infections Urinary Tract Infections Diarrhea Infections

Bronchitis Ear Infection Gout Joint Aches

Medical & ID Theft Protection Service monitors the internet for instances of your personal health and financial information to protect you from becoming a victim of identity theft. The security of your personal health information (PHI) can have a large impact on the medical care you receive.

Benefits Guide 2027

Pink Eye Sore Throat Cold & Flu Nausea & Vomiting

Individual Monthly Rate

Family Monthly Rate

$10.50 Per Month

$12.50 Per Month NO COPAY

RETIREMENT INFORMATION Notice: Pickens County School District retirement program is made up of four parts – Teachers Retirement System of Georgia (TRSga), Public School Employees Retirement System (PSERS), Supplemental Retirement plans and Social Security.

Teachers Retirement System of Georgia

TRS covers all teaching, administrative, clerical and other professional personnel. Teachers Retirement System eligible employees contribute 6% of their gross monthly salary to TRS. In addition, the BOE contributes 22.32% of your gross salary to your TRS account. • Please click on this link for TRS information: www.trsga.com/active-member

Public Schools Employees Retirement System

PSERS covers all non-TRS employees including bus drivers, food service, maintenance, warehouse and custodial employees. PSERS employees contribute $10.00 per month September through May (applies to employees hired after 7/1/2012). • Click on this link for PSERS information: www.ers.ga.gov/public-school-employees-retirement-system • Ready to Retire under PSERS? Click on this link and then click Active Members: www.ers.ga.gov/post/psers-forms

Supplemental Retirement Plans

The following plan options are available for benefits-eligible employees: 403(b), Roth 403(b) and 457(b) plans. Participation in tax-sheltered annuity plans is voluntary and is open to all benefits-eligible employees (those employees who work 20 hours or more per week). The Board has established a voluntary Supplemental Retirement Plan for PSERS employees that will currently match 2% of employee contributions. Since participation in these plans are voluntary, benefits-eligible employees may make changes to their plan(s) at their discretion (subject to IRS rules and regulations) during the calendar year by contacting the plan representatives. Universal Availability requires an employer to give notice to employees of their right to make elective deferrals to tax sheltered annuities. To ensure compliance with this requirement, PCSD benefits-eligible employees may make such elections and/or changes to their tax sheltered annuity plan(s) at any time throughout the year by contacting a Financial Advisor.

CoreBridge Financial (Formerly VALIC)/ Retirement Services Contacts: Paul Pitkins Financial Advisor 2300 Windy Ridge Parkway SE Suite 240 S Atlanta, Ga 30339 T: 770.395.4706 C: 470.512.0018 F: 706.780.5381 E: paul.pitkins@corebridgefinancial.com Danny Caldwell Financial Advisor 2300 Windy Ridge Parkway SE Suite 240 S Atlanta, Ga 30339 T: 770.395.4706 C: 706.455.0532 E: danny.caldwell@corebridgefinancial.com

Jimmy and Cherri LeBlanc Retired Educators/Retirement Specialists Jimmy LeBlanc T: 404-535-0967 E: Jimmyleblanc@valuteachers.com Cherri LeBlanc T: 770-780-9387 E: cherrileblanc@valuteachers.com www.valuteachers.com

www.corebridgefinancial.com 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.

Benefits Guide 2027

STATE HEALTH BENEFIT PLAN Notice: Pickens County School District offers eligible employees health insurance through the Georgia State Health Benefit Plan. During the scheduled 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 via the SHBP Portal. Kaiser Permanente is only available in the Atlanta Metro and Athens-Clarke area. Plan year is January 1- December 31 with enrollment in the fall of each year. Attention to participants approaching age 65 and/or retirement: Please review website: www.shbp.georgia.gov/retirees-0/turning-age-65

SHBP Enrollment Portal:

SHBP Wellness Portal:

www.myshbpga.adp.com

www.bewellshbp.com

How to Enroll:

SHBP Decision Guide:

1. Go to www.myshbpga.adp.com 2. Enter your Username and Password and click Login. If you need assistance, click on “Forgot User ID?” or “Forgot Your Password?”. 3. If you have not registered, click “Register Here”. 4. Your registration code is SHBP-GA.

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.

SHBP Phone Number: 1.800.610.1863

Access the decision guide at www.shbp.georgia.gov/

2027 WELLNESS INCENTIVES AT-A-GLANCE Anthem HMO MyIncentive Account (MIA)

Anthem Health Reimbursement Arrangement (HRA)

Up to

Member

480

Covered Spouse

480

United Healthcare Reward Card for enrolled member and covered spouse Potential Total

Plan Option

United Healthcare HMO Health Incentive Account (HIA)

United Healthcare HDHP Health Incentive Account (HIA)

Up to

$500 Reward Card

480

$500 Reward Card

480

n/a

$250 Reward Card (member) $250 Reward Card (Covered Spouse)

960

$1,000

1,460

Kaiser Permanente (KP) Regional HMO

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 reward card after they each satisfy KP’s Wellness Program requirements. **UnitedHealthcare: 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 to the next plan year. 29

Benefits Guide 2027

2027 SHBP PLANS

The table below is a high level overview, for official details and plan information please review the SHBP Decision Guide. Plan Designs for 2027 Anthem Gold Plan HRA In Out

Anthem Silver Plan HRA In Out

Anthem Bronze Plan HRA In Out

You

$1,500

$3,000

$2,000

$4,000

$2,500

You + Spouse

$2,250

$4,500

$3,000

$6,000

$3,750

You + Child(ren)

$2,250

$4,500

$3,000

$6,000

$3,750

You + Family

$3,000

$6,000

$4,000

$8,000

$5,000

Anthem HMO In

UHC HMO In

Kaiser HMO* In

$5,000

$1,300

$3,500

$7,000

$7,500

$1,950

$7,000

$14,000

$7,500

$1,950

$7,000

$14,000

$10,000

$2,600

$7,000

$14,000

UHC HDHP Out

Deductible

Medical OOPM (Out of Pocket Maximum) You

$4,000

$8,000

$5,000

$10,000

$6,000

$12,000

$4,000

$6,450

$12,900

$6,350

You + Spouse

$6,000

$12,000

$7,500

$15,000

$9,000

$18,000

$6,500

$12,900

$25,800

$12,700

You + Child(ren)

$6,000

$12,000

$7,500

$15,000

$9,000

$18,000

$6,500

$12,900

$25,800

$12,700

You + Family

$8,000

$16,000

$10,000

$20,000

$12,000

$24,000

$9,000

$12,900

$25,800

$12,700

Coinsurance (Plan Pays. Some outof-network services not covered)

85%

60%

80%

60%

75%

60%

70%

50%

100%

80%

HRA (Health Reimbursement Arrangement) Credits You

N/A

You + Spouse

N/A

You + Child(ren)

*See decision guide and summary plan documents for details

You + Family Medical ER

Coins after ded

$200 copay

Coins after ded

$200 copay

Urgent Care

Coins after ded

$35 copay

Coins after ded

$35 copay

PCP Visit

Coins after ded

$35 copay

Coins after ded

$35 copay

Specialist Visit

Coins after ded

$45 copay

Coins after ded

$45 copay

Preventative

100%

N/A

100%

N/A

100%

Retail Rx (Not subject to deductible on HRA plans) Tier 1

15%, Min $5, Max $10

$5 copay

Coins after ded

$20 copay

Tier 2

25%, Min $55, Max $85

$55 copay

Coins after ded

$50 copay

Tier 3

25%, Min $85, Max $130

$95 copay

Coins after ded

$80 copay

Tier 1

15%, Min $12.50 Max $25

$12.50 copay

Coins after ded

$50 copay

Tier 2

25%, Min $137.50, Max $212.50

$137.50 copay

Coins after ded

$125 copay

Tier 3

25%, Min $212.50, Max $325

$237.50 copay

Coins after ded

$200 copay

Monthly Premiums

Anthem Gold Plan HRA

Anthem Silver Plan HRA

Anthem Bronze Plan

Anthem HMO

UHC HMO

UHC HDHP

Kaiser HMO*

Mail Order Rx

Employee

$227.19

$153.17

$94.16

$189.29

$232.70

$83.76

$189.29

Employee + CH

$415.51

$289.67

$189.35

$351.08

$424.87

$171.67

$351.08

Employee + SP

$565.89

$410.44

$286.52

$486.30

$577.46

$264.68

$486.30

Family

$754.21

$546.94

$381.71

$648.09

$769.63

$352.59

$648.09

* See next two pages for pricing for Pickens County School District’s employees

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

Benefits Guide 2027

2027 SHBP PRICING CERTIFIED PERSONNEL Anthem Gold SHBP

YOU

YOU + CHILD(REN)

$227.19

$415.51

YOU + SPOUSE $565.89

YOU + FAMILY $754.21

Anthem Gold PCSD

$187.19

$375.51

$525.89

$714.21

add $80.00 tobacco surcharge

$267.19

$455.51

$605.89

$794.21

Anthem Silver SHBP

$153.17

$289.67

$410.44

$546.94

Anthem Silver PCSD

$113.17

$249.67

$370.44

$506.94

add $80.00 tobacco surcharge

$193.17

$329.67

$450.44

$586.94

Anthem Bronze SHBP

$94.16

$189.35

$286.52

$381.71

Anthem Bronze PCSD

$54.16

$149.35

$246.52

$341.71

add $80.00 tobacco surcharge

$134.16

$229.35

$326.52

$421.71

Anthem HMO SHBP

$189.29

$351.08

$486.30

$648.09

Anthem HMO PCSD

$149.29

$311.08

$446.30

$608.09

add $80.00 tobacco surcharge

$229.29

$391.08

$526.30

$688.09

UHC HMO SHBP

$232.70

$424.87

$577.46

$769.63

UHC HMO PCSD

$192.70

$384.87

$537.46

$729.63

add $80.00 tobacco surcharge

$272.70

$464.87

$617.46

$809.63

UHC HDHP SHBP

$83.76

$171.67

$264.68

$352.59

UHC HDHP PCSD

$43.76

$131.67

$224.68

$312.59

add $80.00 tobacco surcharge

$123.76

$211.67

$304.68

$392.59

KAISER HMO SHBP

$189.29

$351.08

$486.30

$648.09

KAISER HMO PCSD

$149.29

$311.08

$446.30

$608.09

add $80.00 tobacco surcharge

$229.29

$391.08

$526.30

$688.09

White = State Health Benefit Plan Non-Adjusted Rates Yellow = Employee Rates after $40.00 contribution from the Pickens County Board of Education Gray= Employee Rates after the tobacco surcharge has been added

Health Maintenance Organization (HMO) •

Allows you to receive covered medical services from innetwork providers only (except for emergency care). It is important to verify your current provider is innetwork when selecting an HMO Plan Option. Plan pays 100% of covered services provided by innetwork providers that are properly coded as “preventive care.” There are co-pays with this plan for certain services and certain services are subject to a deductible and coinsurance.

• • •

Health Reimbursement Account (HRA) • • • •

The HRA provides first-dollar coverage for eligible medical and pharmacy expenses and is funded by SHBP. When going to the doctor, you will not pay a co-pay. Instead, you pay the applicable deductible and coinsurance. Plan pays 100% of covered services provided by innetwork providers that are properly coded as “preventive care”. You must meet separate in-network and out-of-network deductibles and out-of-pocket maximums.

High Deductible Health Plan (HDHP) •

The HDHP offers in-network and out-of-network benefits and provides access to one of the largest network of providers statewide and on a national basis across the United States. In addition to a lower monthly premium, you can open a Health Savings Account (HSA) that allows you to save money tax deferred, to help offset your plan costs. Plan pays 100% of covered services provided by innetwork providers that are properly coded as “preventive care.”

• •

Benefits Guide 2027

Review the SHBP Active Member Decision Guide at www.pickenscountybenefits.com/state-health-benefit-plan *The Kaiser HMO plan is only available in the Atlanta Metro area.

2027 SHBP PRICING NON-CERTIFIED/CLASSIFIED PERSONNEL Anthem Gold SHBP

YOU

YOU + CHILD(REN)

$227.19

$415.51

YOU + SPOUSE

YOU + FAMILY

$565.89

$754.21

Anthem Gold PCSD

$147.19

$335.51

$485.89

$674.21

add $80.00 tobacco surcharge

$227.19

$415.51

$565.89

$754.21

Anthem Silver SHBP

$153.17

$289.67

$410.44

$546.94

Anthem Silver PCSD

$73.17

$209.67

$330.44

$466.94

add $80.00 tobacco surcharge

$153.17

$289.67

$410.44

$546.94

Anthem Bronze SHBP

$94.16

$189.35

$286.52

$381.71

Anthem Bronze PCSD

$14.16

$109.35

$206.52

$301.71

add $80.00 tobacco surcharge

$94.16

$189.35

$286.52

$381.71

Anthem HMO SHBP

$189.29

$351.08

$486.30

$648.09

Anthem HMO PCSD

$109.29

$271.08

$406.30

$568.09

add $80.00 tobacco surcharge

$189.29

$351.08

$486.30

$648.09

UHC HMO SHBP

$232.70

$424.87

$577.46

$769.63

UHC HMO PCSD

$152.70

$344.87

$497.46

$689.63

add $80.00 tobacco surcharge

$232.70

$424.87

$577.46

$769.63

UHC HDHP SHBP

$83.76

$171.67

$264.68

$352.59

UHC HDHP PCSD

$3.76

$91.67

$184.68

$272.59

add $80.00 tobacco surcharge

$83.76

$171.67

$264.68

$352.59

KAISER HMO SHBP

$189.29

$351.08

$486.30

$648.09

KAISER HMO PCSD

$109.29

$271.08

$406.30

$568.09

add $80.00 tobacco surcharge

$189.29

$351.08

$486.30

$648.09

White = State Health Benefit Plan Non-Adjusted Rates Yellow = Employee Rates after $80.00 contribution from the Pickens County Board of Education Gray= Employee Rates after the tobacco surcharge has been added

Health Maintenance Organization (HMO) • • • •

Health Reimbursement Account (HRA) • • • •

High Deductible Health Plan (HDHP) •

• •

Review the SHBP Active Member Decision Guide at www.pickenscountybenefits.com/state-health-benefit-plan *The Kaiser HMO plan is only available in the Atlanta Metro area.

Benefits Guide 2027

The Service Hub Helps With: • • • •

Portability/Conversion Benefits Education Evidence of Insurability Qualified Life Event Changes

• • • •

Claims Card Requests Benefit Questions COBRA Information

Phone: 1.866.433.7661, opt 5 Email: mybenefits@campusbenefits.com Benefits website address: www.pickenscountybenefits.com

The 2027 Benefits Enrollment Guide is provided for illustrative purposes only. Actual benefits, eligibility, 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.pickenscountybenefits.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.