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Benefits Guide

Service Hub/Support Center

Typically medical, dental, and vision claims will be submitted by your providers. The instructions below are for filing other benefit claims.

Contact Campus Benefits via phone or email Work with Campus Benefits’ claims specialist to complete the necessary paperwork

Submit the necessary paperwork to Campus Benefits via the secure upload

Secure upload located at: www.taliaferrocountyschoolbenefits.com

Am I required to contact Campus Benefits to file a claim?

No. However, in our experience, the number one reason for claim denial or delay is due to incomplete or inaccurate paperwork. By working with a Campus Benefits’ claim specialist, we can advocate on your behalf.

information is available at:

www.taliaferrocountyschoolbenefits.com

Eligibility

Benefits Eligible Employees:

Full-time employees working 20 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 first of the month following 30 calendar 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 the month after 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), benefit summaries, 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.

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.

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.

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. (Starting in 2027, plan year will be January 1 to December 31st.) st

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.

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

Enrollment in Benefits - Take Action

There are two separate benefit enrollments: 1. Campus Benefits (Dental, Vision, Life,

Start with Campus Benefits Enrollment

Step 1: Visit www.taliaferrocountyschoolbenefits.com

New User Registration

1. Register as a new user and enter: First Name Last Name Company Identifier: TCS2026 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?

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

Step 2: Click Enroll/Login tab and complete your enrollment Still Need Help?

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

Important Notes:

Plan Year is 7/1 - 12/31 Annual open enrollment occurs in the spring (May) After spring 2026 enrollment, annual enrollments will occur each fall for the upcoming plan year Spring 2026 enrollment requires you to meet with a benefits counselor to enroll. Access to enrollment system will not be available until after July 1, 2026.

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

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)

Step 1: Visit www.taliaferrocountyschoolbenefits.com

Step

Click

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

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.

Disclaimer:

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)

Taliaferro County School District 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/enrollment/decisionguides

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

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.

In-Network vs. Out-of-Network

Health Insurance 101

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.

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.

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.

Employee Assistance Program (EAP)

What is an EAP? This is a program offered to Taliaferro County School District 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 Mutual of Omaha

Available for all Taliaferro County School District employees, their household members and dependent 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 1-800-316-2796 or visit www.mutualofomaha.com/eap

EAP can help with:

Emotional well-being

Stress, anxiety, depression and more

Family and relationships

Communication, parenting, marriage and more

Legal and financial matters

Legal guidance, financial tools and resources

Healthy lifestyles

Wellness and overall well-being

Work and life transitions

Career changes, burnout, retirement and more

EAP Benefits

24/7 Access

Reach an EAP professional anytime, day or night.

Three face-to-face sessions*

Up to three sessions per issue, per calendar year with a counselor

Legal assistance & financial resources

Online will preparation

Legal library and online forms

Financial tools and resources

Additional resources

Resources for substance use and other addictions.

Dependent and elder care resources

Online resources

Educational articles, handouts and resources via www.mutualofomaha.com/eap

Important Notes:

*Face-to-face visits can also be used toward legal consultations.

*California Residents: Knox-Keene Statute limits no more than three face-to-face sessions per six-month period.

See the Additional Resources page for additional resources provided free of charge to all benefits eligible employees.

EAP Plan Rates

Coverage paid for by Taliaferro County School District at no cost to you.

Mutual of Omaha

Additional Resources

Additional Benefits to Support Your Wellbeing and Peace of Mind

As part of your Mutual of Omaha benefits package, you have access to additional services such as a hearing discount program, identity theft assistance, travel assistance and will preparation services. Available to all benefit eligible employees, no enrollment requirement.

Hearing Discount Program

Enjoy savings and support through Amplifon Hearing Health Care.

Variety of industry leading brands’ hearing aids to choose from 60-day risk free trial with money back guarantee

3 year warranty for loss, repairs or damage

Follow up care, battery supplies and financing options available

Family and friends receive a discount

Call Amplifon at 1-888-534-1747 to speak with a Patient Care Advocate who will connect you with a provider near you

To learn more visit: www.amplifonusa.com/mutualofomaha

Identity Theft Assistance

Receive essential identity protection and recovery help through AXA Assistance

Education and awareness to reduce risk of identity theft

Guidance on recognizing and responding to fraud

Recovery support if personal information is stolen, including steps to restore your identity and contacts for financial institutions and credit bureaus

Call AXA Assistance at 1-800-856-9947

Worldwide Travel Assistance

Feel secure knowing you and your family are covered while traveling more than 100 miles from home

24/7 emergency support for medical referrals, legal help and translation services

Pre-trip planning support including passport/visa requirement, health advisories, and currency exchange rates

Assistance with lost baggage, emergency cash, emergency messages between you and others, vehicle return and document replacement (credit card, passport, tickets)

Call World Travel Assistance at 1-800-856-9947 (within the U.S.) or 312-935-3658 (outside of the U.S.)

Will Preparation Services

Create important legal documents at no cost through Epoq, Inc

Easy online platform to prepare: living will and trust, power of attorney, healthcare directive, pour-over will, last will and testament

Print and share instantly and update as needed for major life changes

Make the document legally binding (check with your state for requirements)

To learn more visit www.willprepservices.com and use code MUTUALWILLS to register

Please visit www.taliaferrocountyschoolbenefits.com for more information.

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 Mutual of Omaha (Employee must be actively at work on the effective date )

Short-Term Disability: Annual enrollment, no health questions every year

Employees can stop their sick leave at the end of the elimination period or continue until sick leave is exhausted Decision must be made at the beginning of leave

Long-Term Disability: If electing outside of initial enrollment, Evidence of Insurability (EOI) would be required

Both Short-Term and Long-Term Disability benefits will offset for any outside income (sick leave, worker’s comp, paid parental leave, retirement benefits, 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.

Short-Term Disability Quick Summary

begin after you have been out of work due to an injury or illness for 7 days.

Pre-existing Condition Limitation

(Waived for anyone electing during their initial enrollment/new hire period.)

Benefit Percentage (monthly)

Maximum Benefit Amount

Pre-existing Condition Limitation (Applies to new enrollees only)

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.

Long-Term Disability Quick Summary

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

Covers accidents and sicknesses up to Social Security Normal Age of Retirement (Please note exclusions or limitations may apply; see plan certificate for details)

60% of your gross monthly salary

$6,000 (monthly benefit)

3/12 - 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.

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.

Life Insurance 101

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.

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. To follow is an overview of differences.

Permanent Life Insurance

Permanent Life Insurance is illustrated to the right 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 and is based on your age at the time the policy is issued

This is an individual plan you can take with you regardless of where you work

Term 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

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 Mutual of Omaha

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.

Basic Life and Accidental Death & Dismemberment (AD&D)

Employee Benefit Amount

AD&D Amount

$10,000

Age Reduction To 65% at age 65, 50% at age 70 Conversion Included

Accelerated Life Benefit

80% of the amount of the life insurance benefit is available to you if terminally ill, not to exceed $8,000.

Basic Life and AD&D Plan Rates

Coverage paid for by Taliaferro County School District at no cost to you.

Voluntary Life and AD&D Plan Rates

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.

Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Quick Summary

Employee Benefit

Spouse Benefit

Child(ren) Benefit

Increments of $5,000 up to $300,000

Guaranteed Issue: $100,000

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

Guaranteed Issue: $30,000 (Spouse coverage terms when employee reaches age 80)

$5,000 increments up to $20,000

Guaranteed Issue: 100% of employee’s benefit

AD&D Amount Match Life Amount

Benefit reduces to 50% at age 75

Age Reduction

Reduction is based on employee’s age. Spouse coverage terminates when employee reaches age 80. Portability & Conversion

Annual Buy-Up

Additional Features

Included

Employee: If enrolled, can increase by $10,000 up to the Guaranteed Issue amount. Spouse: If enrolled, can increase by $5,000 up to the Guaranteed Issue amount.

Seat Belt, Airbag, Repatriation, Common Carrier Benefit (See certificate for details)

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

Permanent Life

What is Permanent Life Insurance? Permanent life insurance provides a level premium that remains stable throughout the life of the policy and is designed to extend into retirement. It is an individual, issue-age policy based on your age at issuance and can be kept regardless of changes in employment.

Coverage through Colonial Life (Whole Life Plus)

Underwriting may be required Coverage is not guaranteed

Must be actively at work on the effective date

Permanent offers the flexibility to meet a variety of personal needs while allowing employees the choice of benefit and premium amounts which fit their paychecks and life styles

Keep your coverage at the same cost even if you retire or change employers

Dependent Child(ren): Ages 0 - 17 are eligible for coverage. Full-time dependent students age 18-26 are issued adult plans and the tobacco question is required on the application.

Employee (Ages 18 - 79)

Spouse (Ages 18 - 79)

Child (Ages 0 - 17)

Employee

Spouse

Child

Permanent Life Quick Summary Plan Maximums

$5,000 - $500,000

$10,000 - $500,000

Guaranteed Issue (available during initial enrollment only)

Up to $200,000 (Age 18 to 49)

Up to $75,000 (Age 50 to 79)

Simplified Issue (answer questions in system)

$10,000 to $25,000 (Age 0 - 17)

Additional Plan Options/Riders

Accelerated Death Benefit 12 months or less (75% w/max of $150,000)

Choose from Paid Up Options: age 70 or age 100, Accidental Death Rider, Waiver of Premium, Cash Value options

Permanent Life Plan Rates

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

*Click here for more information and printable version of the ID Card (electronic guide)

Dental Plan

Have major dental work coming up? Avoid a surprise bill by exploring costs of dental services in your Cigna dental account.

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

Exams: 2 services in a 12 month period

Tip: Submit a pre-treatment estimate to stay ahead of your expenses.

Full Mouth Series/Panoramic X-ray: 1 service in a 36 month period

Fluoride: 1 service in a 12 month period for dependent children to age 16

Cleaning: 2 services in a 12 month period

Brush Biopsy/Cancer Screen: 2 services in a 12 month period

Bitewing X-rays: 4 films in a 12 month period

Other X-rays

Sealants: For dependent children to age 16

Space Maintainers: For dependent children to age 14

Palliative Treatment: Emergency minor procedure

Periodontal Maintenance: 2 services in a 12 month period

Fillings: Amalgam and composite/resin fillings

Stainless Steel Crowns: For dependent children to age 16

Simple Extractions

General Anesthesia or I.V. Sedation

Surgical Extractions

Oral Surgery

Endodontics

Non-Surgical Periodontics

Surgical Periodontics

Dentures (Full or Partial)

Repair of Full or Partial Dentures

Bridges

Repair of Bridges

Cast Crowns, Inlays, Onlays, Labial Veneers

Repair of Cast Crowns, Inlays, Onlays, Labial Veneers

Dental Providers

Sample of In-Network Dental Providers within a 50 mile radius (not a complete list)

*Choosing in-network dental providers helps you get the most value and savings from your plan benefits * Current providers list as of 5 5 2026 Providers are subject to change Refer to the In-Network Provider Directory for a full list of providers. Provider Directory: www.mutualofomaha.com/dental Network: Mutually Preferred

<25 Mile radius

ANDREW LEE TAM (OCONEE VALLEY HEALTHCARE INC)

803 S MAIN ST, GREENSBORO, GA 30642 (706) 454-5114

LAKESIDE PEDIATRIC DENTISTRY LLC 1050 PARKSIDE CMNS STE 103, GREENSBORO, GA 30642 (706) 454-2222

<40 Mile radius

AMBROSE PEDIATRIC DENTISTRY OF MILLEDGEVILLE LLC

2485 N COLUMBIA ST STE 90, MILLEDGEVILLE, GA 31061 (478) 703-0901

GA DENTISTRY SERVICES PC

1980 N COLUMBIA ST, MILLEDGEVILLE, GA 31061 (478) 387-7015

JANET HARRISON DDS PC

108 FIELDSTONE DR, MILLEDGEVILLE, GA 31061 (478) 453-7535

WILLIAMS & BUSH PARTNERSHIP

403 CANTERBURY DR, WRENS, GA 30833 (706) 547-3148

JONTHAN M. TOMLINSON (ORAL AND MAXILLOFACIAL SURGERY CENTER OF ATHENS LLC)

1741 HOG MOUNTAIN RD STE 100, WATKINSVILLE, GA 30677 (706) 549-5033

JESSE L ROBINSON DMD

6 FOREST AVE, ELBERTON, GA 30635 (706) 213-7365

GARY L. JONES and MARSHA HOLLOWAY (DR

DANA E FENDER DMD PC)

501 SPARTA RD STE A, SANDERSVILLE, GA 31082 (912) 330-2485

BARRY D SIMMONS DDS PC

847 S MILLEDGE AVE, ATHENS, GA 30605 (706) 546-1716

MCRAE FAMILY DENTAL PC 995 BAXTER ST, ATHENS, GA 30606 (706)546-8480

GARY L. JONES (DR DANA E FENDER DMD PC) 501 SPARTA RD STE A, SANDERSVILLE, GA 31082 (912) 330-2485

<50 Mile radius

PKR DENTAL LLC

1805 EPPS BRIDGE PKWY STE 101, ATHENS, GA 30606 (706) 549-0108

MCRAE FAMILY DENTAL PC

1720 EPPS BRIDGE PKWY STE 110, ATHENS, GA 30606 (706) 227-0773

GEORGIA DENTAL PROFESSIONALS PC 5131 WASHINGTON RD, EVANS, GA 30809 (706) 550-1884

DR DANA E FENDER DMD PC 2470 DANIELLS BRIDGE RD STE 201, ATHENS, GA 30606 (770) 751-1240

GEORGIA DENTAL PROFESSIONALS PC 9596 BENTLEY DR, GROVETOWN, GA 30813 (706) 305-9560

R ROSS RUSSELL DMD 705 OGLETHORPE AVE, ATHENS, GA 30606 (706) 549-0110

BEHRNDT DENTAL SERVICES PC 126 FAIRPLAY ST, RUTLEDGE, GA 30663 (706) 557-7374

GEORGIA DENTAL PROFESSINALS PC 2065 TIMOTHY RD, ATHENS GA 30606 706-410-1305

Vision Plan

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.mutualofomaha.com/vision Network: EyeMed Insight

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 Mutual of Omaha account (if enrolled in both dental and vision, you will utilize the same user name and password

Visit www mutualofomaha com, select Sign In and select Employee Portal Enter in credentials or sign up for an account

*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.mutualofomaha.com/dental

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

Go to www.mutualofomaha.com to find providers, view claims and more. Group name: Taliaferro County School District

Your dentist can request a pretreatment 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

Dental Wellness Center

Access these tools by visiting www mutualofomaha com/dental and selecting Dental Wellness Center under Resources

Cost Estimator

Use Mutual of Omaha’s estimator to find out what dental procedures may cost before your next visit.

Risk Assessments

Take a quiz to see if you are at a higher risk for certain oral conditions.

Ask a Dentist

Email a dentist your dental related questions. It's free and a dentist will respond within 48 hours.

Accident Plan

Employee

through Mutual of Omaha

No health questions - Every Year!

Payments made directly to you and benefits do not offset with

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.

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

Claims must be filed with the carrier for reimbursement

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 Coverage (On and Off-the-Job)

Pre-existing condition limitation

Pregnancy Waiting Period

Age Reduction

Portability

First Day Hospital Confinement (1 admission per policy year)

Daily Hospital and ICU Confinement

Daily Newborn Nursey Care Confinement

Mental/Nervous Disorder Facility

Substance Abuse Facility

Express Benefit

Health Screening Benefit

None

Included, prior to age 70

Plan Benefits

$1,000 per admission

Additional $1,000 for ICU Admission (not payable on the same day)

$200 per day (Max combined total of 180 days per policy year)

$75 per day, up to 2 days per policy year

$1,000 per admission (1 per policy year)

$100 per day (Max 30 days per policy year, limited to 180 days lifetime)

$1,000 per admission (1 per policy year)

$100 per day (Max 30 days per policy year, limited to 180 days lifetime)

$100 per hospital admission

$50 (1 per covered 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

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

No health questions - Every Year!

Attained Rates - rates will increase as you age (rates based on your age on your effective date)

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.

Subsequent Benefit

Reoccurrence Benefit

Policy Benefit Maximum

Screening

prior to age 70

30 Days - Once an Initial Benefit has been paid for a Critical Illness for an Insured Person, a benefit for the diagnosis of a different Critical Illness is payable if the dates of diagnosis are separated by 30 days or more.

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.

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)

increments

(Guaranteed Issue: $20,000) (Max 100% of Employee Amount)

Children Up to 50% of Employee Amount (no additional cost to Employee cost)

What does it cover?

Critical illnesses includes coverage for:

Autoimmune Disorders

Cancers & Benign Tumor Diagnoses

Childhood Conditions (only for children)

Vascular & Pulmonary Conditions (Heart Attack)

Neurological Movement Disorders

Neurological Brain & Skull Conditions (Stroke)

Organ Conditions (End State Renal Failure)

Infectious Conditions

Functional Loss (Coma)

*See highlight sheet for full list and details

Why should I consider it?

Critical illness insurance is an affordable way to supplement and pay for additional expenses that your health insurance doesn’t 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.

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. No additional cost to add children.

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

Health Screening Benefits

What are Health Screening Benefits? 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 Health Screening Benefits

covered person per year

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

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 completed documents to 404 997 1898

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. Visit www.taliaferrocountyschoolbenefits.com for claim forms and additional information.

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.taliaferrocountyschoolbenefits.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

Legal Plan Rates

Employee

Employee + Family

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 Taliaferro County School Districts’ Benefits Portal for a detailed list of covered services.

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.taliaferrocountyschoolbenefits.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.