Gideon School District Employee Health Insurance Links

Links

Updated:

Apr. 27, 2012

Employee Health Insurance Links

Anthem 24/7 Nurse Line

The toll-free 24/7 Nurseline give you direct access to registered nurses to help you make informed decisions about health issues when you need it.

FTJ Missouri Educator's Unified Health Plan Site

Missouri Educator's Unified Health Plan (MEUHP)/Forrest T Jones Site. Log in to access your benefits summary, provider directory, and other general information about your Board Paid Health and Life Insurance Plans. FTJ provides our flex plan administration and is our primary provider of supplemental insurance products. You can log onto their site through the link above to see your available benefits. You can create an individual logon through their site to view details of your flex plan. This site has lots of valuable information about your health and wellness. Click here for instructions on accessing the FTJ MEUHP site.

My Anthem

Anthem Blue Cross and Blue Shield. (They absorbed Blue Cross Blue Shield of Missouri) You can register for a username to access personal information about your health insurance benefits, including access to copies of your Explanation of Benefits (EOB), claims information, and even request a replacement insurance card. You can communicate directly with Anthem through this site to ask questions about a particular claim. This site contains lots of information to help you manage your health and health care.
My Anthem Quick Start Guide -- A brief explanation of how to access your health cost information using My Anthem.

MEUHP -- Missouri Educators Unified Health Plan Resource Library -- A collection of information and resources about your health insurance plans, benefits, and healthy living support.

Express Scripts (Access through My Anthem)

Mail Service Pharmacy -- Your health insurance benefits allow you to order a 3 month supply of maintenance medications at a reduced cost. Log in to your Anthem.com account and click on the "My Pharmacy" tab to access your pharmacy benefits. You will be informed that you are leaving the Anthem site and click "Contine" to continue to the Express Scripts site. By accessing the site in this manner you should be taken directly to your information on Express Scripts. The site is fairly easy to navigate. Click on the "Fill A New Prescription" link for information on how to submit new prescriptions through the mail order pharmacy. You can mail in written prescriptions or you can print out a form and have your doctor's office fax in the form. Your doctor's office may also be able to submit prescriptions electronically. Using the mail order pharmacy can save you money and also helps keep our premium rates down.

Health Plan Summaries (July 1, 2012- June 30, 2013) (Note Plan Changes)

PPO 1500--Core Plan that works in a manner similar to past plans. There are some changes in benefits so please be aware of that.
HSA98 2000RX--Qualifying Health Savings Account, $2,000 Individual Deductible with $3,000 maximum out of pocket and 0% Coinsurance with the exception of prescription drugs. After meeting the $2,000 deductible, a tiered prescription drug copay is required on prescriptions only until the out of pocket amount is reached, after which prescription drugs are covered with 0% copay. Check plan for family coverage. If family coverage is selected you must meet the family deductible before any benefits are paid. For employees selecting HSA98 2000RX, the district will match employee contributions to a qualified Health Savings Account (HSA) up to $25 per month. Employees may contribute up to $3,100 total (district contribution + employee contribution) to their HSA in 2012.
HSA9 2500-EMB--Qualifying Health Savings Account $2,500 Individual Deductible with 20% Coinsurance and $5000 maximum out of pocket. This is an embeded plan which means the single deductible applies for an individual rather than the requirement that the family deductible be met before any benefits are paid. For employees selecting HSA9 2500 EMB, the district will contribute $85 per month PLUS match employee contributions up to and additional $25 per month (for a total possible monthly district contribution of $110). Employees may contribute up to $3,100 total (district contribution + employee contribution) to their HSA in 2012.

Health Plan Summaries (July 1, 2011- June 30, 2012)

PPO--Core Plan that works in a manner similar to past plans. There are some changes in benefits so please be aware of that. Most changes are improvements in benefits resulting from Health Care Reform Legislation.
HSA6--Qualifying Health Savings Account, $2000 Individual Deductible with 0% Coinsurance. Check plan for family coverage. If family coverage is selected you must meet the family deductible before any benefits are paid. For employees selecting HSA6, the district will match employee contributions to a qualified Health Savings Account (HSA) up to $15 per month. Employees may contribute up to $3,050 total (district contribution + employee contribution) to their HSA in 2011.
HSA7--Qualifying Health Savings Account $2000 Individual Deductible with 20% Coinsurance and $5000 maximum out of pocket. Check plan for family coverage. If family coverage is selected you must meet the family deductible before any benefits are paid. For employees selecting HSA7, the district will match employee contributions with $2 for every $1 contributed by the employee up to a $90 district match ($45 employee contribution) per month. Employees may contribute up to $3,050 total (district contribution + employee contribution) to their HSA in 2011.

Preventative Care Flyer--Plan Year 7/1/2011 through 6/30/2012 for ALL Plans

This flyer details preventative care that will be covered as a result of Health Care Reform under all plans. Preventative care is covered at no cost.

HSA Payroll Deduction Authorization -- Complete this form and return it to the central office to initiate or change the Payroll Deduction for your HSA.

Lumenos HSA FAQ -- A set of Frequently Asked Questions about the Lumenos Health Savings Account Plans.

HSA Primer -- 2009 (Health Savings Accounts)

An abridged summary of information about HSAs that provides a basic overview and answers some of the more Frequently Asked Questions that employees may have about Health Savings Accounts. Adapted from a document produced by FTJ (Forrest T Jones). (Produced with Adobe Acrobat 9 and may show as a corrupt file if you are using an earlier version of Adobe Reader).

HSA Carryover and Tax Status -- Some individuals have told us that their tax professional has informed them that they need to spend all of the money in their HSA each year. Others have told us that their tax professional has indicated that they have to pay taxes on any HSA contribution that is not spent during the year. While it is true that HSA disbursements must be spent on qualified medical expenses or they become taxable (and may also have a penalty), it is not accurate that all funds in the HSA account must be expended each year. You are allowed unlimited carryover and the carryover is not subject to tax. This document provides supporting information to help explain the tax status of HSA Carryover funds.

Health Savings Account Basics -- A trifold brochure produced by the Federal Government that contains information about Health Savings Accounts.

After Hours Health Care

At times you need health care services and cannot get in to see your doctor or it may be after regular hours. If it is non-emergency, you can use an urgent care center. You do have a higher copay for urgent care centers. But there are some centers in our area that bill after hours/no appointment necessary care as a regular doctor visit. These would be covered under your regular doctor's office copay. This link lists the after hours/no appointment needed facilities that may bill as a doctor's office visit. These situations change from time to time so you may want to verify how they bill if this is important to you. (current as of 11/30/2007 and subject to change).

Cafeteria Plan Info (Section 125 Flex Plan)

This provides general information about our Section 125 "Cafeteria Plan" and how you can participate. See the Flex Plan link below for informaton directly from the plan administrator. Through this plan you can utilize pre-tax dollars for the purchase of certain optional insurance products as well as establish a flexible spending account for certain unreimbursed medical, dental, vision, and child care expenses. If you participate in an HSA insurance plan, you may only have a modified Flex Plan for dental, vision, and/or child care expenses.

Cafeteria Plan Medical Mileage Reimbursement Rates

Lists the currently available medical mileage reimbursement rate for health related mileage reimbursements under Section 125 Cafeteria Plan. This is updated periodically as information become available from the IRS. If the current year rate is not listed, you can find that information on the IRS web site.

Flex Plan (Section 125 Cafeteria Plan) Administered by FTJ

Flexible spending accournts are a method by which you can have pre-tax dollars withheld from your paycheck to fund unreimbursed medical, dental, vision, and child care expenses. Forrest T Jones (FTJ) administers our Flexible Spending Plan. You can log onto their site and and create a login to view your current account balance and download claim forms (direct link to the claim form is below). From the MEHP page you must first select the district from the dropdown list, enter our mascot for the password. Then you will be taken to the district benefits page where you can create or log into your account to see your own benefits.

Flex Plan Reimbursement Claim Form (FTJ)
- Log onto the FTJ Site using the District Login. The password is our district mascot.
- Select the "Forms Library" Link in the menu bar at the top of the page.
- You should see a set of forms for the Sections 125 Flexible Spending Plan. Select the Flexible Beneift Plan Claim Form under that heading.
- You can print the form or you can fill it out online and then print it. Make sure you total your claim and sign and date the form before submitting it.
- 3 Ways to file a claim

Health Brochures and Related Links

Anthem 360 -- Your Total Health Solution

An overview of some of the program offerings available through Anthem to help manage your health and provide a better quality of life.
This brochure describes a collection of resources provided as an added benefit with our health insurance plan. Anthem 360 includes:

ConditionCare to provide 24 hour nurse access and other tools to individuals with several chronic conditions.
Future Moms to provide support to expectant mothers.
24/7 Nurse Line to provide answers to health questions right away 24 hours a day.

MyHealth@Anthem

A secure, interactive web site that provides easily accessible, up-to-date information about diseases, medicines, medical-related procedures and treatments. Much of the health information is provided through a special WebMD Portal.

Anthem Cost Comparison Brochure

This brochure describes Anthem's Care Comparison tool and how to access the tool. Anthem's Care Comparison is a tool designed to provide side by side comparisons on hospitals in your area. It provides both quality and cost information (where data is available) for many common procedures, such as a hip replacement. You can easily rank what's most important to you to receive customized results.

Anthem Health Information from WebMD

Links to a wide variety of health information. Includes Health Calculators, Health Channels, and Condition Centers.

Anthem 24/7 Nurse Line

The toll-free 24/7 Nurseline give you direct access to registered nurses to help you make informed decisions about health issues when you need it.

Anthem ConditionCare

Provides health support for members living with a chronic condition through a nurse coach and support team of experts to help you better understand how to improve your health. Conditions include asthma, diabetes, heart failure, chronic obstructive pulmonary disease (COPD) and coronary artery disease, among others.

Anthem ComplexCare

Provides support for members with complex health issues and addresses health issues before they become more serious. The goal is to help manage specific and multiple conditions and serves as a vital educational resource.

Anthem Future Moms

Offers prenatal education and support to help mother-to-be understand how their choices affect their health during pregnancy and their baby's health.

Employee Supplemental Insurance Links

Supplemental Insurance -- General Information -- The Gideon School District offers a variety of supplemental / optional insurance benefits that employees can elect to purchase. Vision insurance is provided through EyeMed, dental Insurance is provided though Brokers National, and various other supplemental insurance policies are provided through Allstate. For a summary of optional coverage available, log onto the FTJ MEUHP / MOED site by selecting our school district and providing our mascot as the password. Then click on the "Fringe Benefits" link in the left menu colum and you will see the various Board Paid and Voluntary products offered. Click here for instructions on accessing the FTJ MEUHP site.

Dental Insurance (Brokers National)

This is the provider site for our optional dental insurance. You can find information about your plan and register for online access to your benefit information.

If you have additonal questions or need more inforamtion about any Human Resources Issues, please contact the Gideon School District Central Office.

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