Columbus Academy benefits are an important part of your compensation and the school is pleased to provide you with a competitive benefits package. The information in this document is a guide of how to access your benefits, and it provides a high-level overview. For further detail, please see the benefit summaries (SBCs) and plan documents, or feel free to reach out to Shannon Walder, Human Resources Manager, in our Business Office in Academy Hall.
Columbus Academy employees that work 30 or more hours a week are eligible for benefits on their date of hire. Benefits are available for employees and their eligible dependents. Please see the Business Office to confirm your eligibility and offerings.
Columbus Academy benefits are administered on a calendar-year basis, and all plans are effective January 1st of each year. An annual open enrollment period is offered to allow you to enroll in benefits, make changes or add eligible dependents without requiring a Qualifying Event. Once your selection has been made, it will remain in effect until December 31st of the upcoming benefit year. A Qualifying Event such as, but not limited to, divorce, marriage, birth or adoption must be reported to the carriers and the Business Office within 30 days of the event.
Our team of benefit specialists are here to assist you and your family by answering any benefits-related questions The HUB Employee Advocacy Team is available Monday-Friday from 8:30 a m to 5 p m EST Contact us today at 844.694.6726 or HRT.HA.EEAdvocacy@hubinternational.com
I thought a claim was paid, but received an invoice I need help understanding why.
I haven’t received my ID card. What do I do?
How do I use my HSA/FSA to pay for my claim?
How do I check on my short-term disability claim?
What to learn more about benefits? Listen to our podcast:
How do I find an in-network provider?
What is the difference between a PPO and an HDHP?
Medical Insurance
MEDICAL MUTUAL
Who is Eligible and When?
All employees working 30 hours a week or more are eligible on their date of hire for benefits.
Dependent Children
Dependent children are eligible until the end of the plan year when they turn age 26.
Medical Benefits Schedule
• Medical Copays apply to the Out-Of-Pocket Maximum.
• See Benefit Summary for additional detail and non-network benefits.
*Preventive Care is covered at 100%; For more details, please see the plan document or call Medical Mutual to confirm the age and gender appropriate preventive care that is covered for you or your dependents.
Prescription (Rx) Drug Coverage
When filling prescriptions, you have the following copay obligations for up to a 31-day supply for retail, and up to a 90-day supply for mail order:
Retail 30-Day Supply Tier 1 (Generic)
Tier 2 (Preferred)
Tier 3 (Non-Preferred Brand)
co-pay
co-pay
co-pay after deductible
Mail-Order 90-Day Supply Tier 1 (Generic)
co-pay
co-pay after deductible Tier 2 (Preferred)
Tier 3 (Non-Preferred Brand)
Specialty Pharmacy – Tier 4
co-pay
co-pay
co-pay after deductible
co-pay after deductible
Specialty medicines require special handling, administration or monitoring of effectiveness and side effects. Your health plan has an enhanced feature to help you if you need to take a specialty medication. Features include:
• You will be limited to a 30-day supply per fill – this helps you not get more medication than you need if you experience side effects or need to change medicines/doses
• Specialty drugs need to be filled through either Accredo Specialty Pharmacy or Gentry Health Services. When your medicine runs low they will arrange for your next refill and they’ll send free supplies such as syringes and sharps containers, if needed.
Health Spending Accounts
Flexible Spending Account (FSA) - Health Equity
The Healthcare FSA allows you to pay for qualified medical, dental, and vision care on a pre-tax basis. Your FSA is a “use it or lose it” account, as a minimal amount carries over from year to year. Current IRS FSA Limits are $3,200, and $640 for carry-over. Projected 2024 IRS health FSA Limits are $3,300, and $660 for carry-over.
Dependent Care FSA (DCFSA) - Health Equity
Childcare is a significant expense for many families. Contributing to a dependent care flexible spending account (DCFSA) allows you to pay for eligible dependent care expenses with pre-tax dollars from your paycheck. The maximum annual contribution limit for those that are married and filing jointly or a single parent is $5,000 and the maximum for those that are married and filing separately is $2,500.
Health Savings Account (HSA) - PNC
The HSA is a bank account in your name that allows you to pay for qualified medical, dental, and vision expenses on a pre-tax basis. You must be enrolled in a HDHP to be eligible for the HSA. The IRS sets limits on the amount that you can contribute to HSAs each year; the 2024 limits are $4,300 if you are enrolled on your medical plan as an employee only and $8,550 if you are enrolled on your medical plan with any dependents. If you are over the age of 55, you can contribute an additional $1,000 per year. One great component of HSAs is that any unused funds at the end of the year continue to accumulate indefinitely until you use them – so the money is never forfeited.
Dental Insurance
Delta Dental Preferred PPO & Premier Network
Who is Eligible and When?
All employees working 30 hours a week or more are eligible on their date of hire.
Dependent Children
Children are eligible until December 31st of the year they turn 26.
Welcome to O h i o ’s largest dental benefits family!
January 1
Relines and Repairs -
bridges, implants, dentures, and crowns over implants
O
* When you receive services from a Nonparticipating Dentist, the percentages in this column indicate the portion of Delta Dental's Nonparticipating Dentist Fee that will be paid for those services. The Nonparticipating Dentist Fee may be less than what your dentist charges and you are responsible for that difference.
M a x i m u m P a y m e n t – $1,500 per person total per calendar year on diagnostic & preventive, basic services, and major services. $1,500 per person total per lifetime on orthodontics.
M a x i m u m C a r r y o v e r – If at least one Covered Service is paid in a Calendar Year and the total Benefit paid does not exceed $750 in that Calendar Year, $250 will carry over to the next Calendar Year’s Maximum Payment. This amount will accumulate from one Calendar Year to the next, but will not exceed $1,500. If no Covered Services are paid during a Calendar Year, all accumulated carryover amounts from previous Calendar Years will be forfeited.
D e d u c t i b l e – $50 deductible per person total per calendar year limited to a maximum deductible of $150 per family per calendar year on all services except diagnostic and preventive services, emergency palliative treatment, sealants, brush biopsy, X-rays, and orthodontic services.
Note – This document is only intended to provide a brief description of your benefits. Please refer to your Certificate and summary for a complete description of benefits, exclusions, and limitations.
As a member of Delta Dental of Ohio, you have access to the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier.
• It's easy to find a dentist! Four out of five dentists nationwide participate in our network.
• You have superior access to care and fee savings because of our agreements with participating dentists.
• Our dentists cannot balance bill you, which means more money in your pocket!
• No troublesome paperwork! Network dentists will fill out and file your claims.
• Pay only your copayments and/or deductibles when you receive care from network dentists – there are no hidden fees.
• You can still visit nonparticipating dentists, but you may be billed the full amount at the time of service and then have to wait to be reimbursed.
Q Quality Dental Program
With our quick and accurate claims processing, we pay more than 90% of claims in 10 days or less. Delta Dental also offers world-class customer service from our BenchmarkPortal Certified Center of Excellence call center.
O Online Access
Our online Member Portal lets you access your dental plan securely over the Internet. You can find a dentist, check benefits, select paperless notices, review claims and amounts used toward maximums, print ID cards, and more – all at your own convenience.
A Healthy Smile
Keep your smile healthy with dental benefits from Delta Dental. Your smile is a good indicator of your health. Did you know that your dentist can detect up to 120 different diseases, including diabetes and heart disease? Early detection is one of the best ways to prevent further complications.
Q Questions?
If you have questions, please call our Customer Service team at 800-524-0149 or look online at www.DeltaDentalOH.com.
Note – This document is only intended to provide a brief description of your benefits. Pleaserefer to your Certificate and summary for a complete description of benefits, exclusions, and limitations.
Vision Insurance
Benefits In Network
Exam Copay
Standard Plastic Lenses
$10 copay
$25 copay
Lens Options Additional Discounts Apply
Frame Allowance
Contact Lens Allowance
Frequencies
$150 allowance 20% balance
$150 allowance 15% off balance
Exam - Once per plan year
Lens or Contacts - Once per plan year
Frames - Once per every other plan year
Healthcare Costs
Life/AD&D Insurance
If you are a full-time employee, you are eligible for a $100,000 benefit of life/AD&D paid for by Columbus Academy. We also provide the option to purchase supplemental life insurance. Please see the Business Office if you have questions about eligibility. You can now update your beneficiary designation through ADP.
Your EAP Benefit Summary
Each of us encounters personal problems from time to time. And that is why we partner with ESI EAP to provide you with the best possible solutions for issues you or one of your family members may face. Your EAP is here to help.
The following free benefits are available for Employees and Family Members.
COUNSELING BENEFITS
Help from experienced Masters or Ph.D. level counselors for personal issues such as: relationships/ family, depression/anxiety, grief and more.
PEAK PERFORMANCE COACHING
Personal and professional coaching is available from senior-level ESI coaches. Get one-to-one telephonic coaching and support, as well as online self-help resources and trainings.
TRAINING AND PERSONAL DEVELOPMENT BENEFITS
Access to our extensive library of online personal and professional development trainings in a variety of easy to use formats. Some of the topics covered are: debt, budgeting, communication, working remotely, stress management and emotional intelligence.
SELF-HELP RESOURCES
Self-help Resources give you access to a collection of thousands of tools, videos, financial calculators and informative articles covering virtually every issue you might face, including adoption, relationships, legal, financial, cancer and more.
Contact the EAP toll-free at 1.800.252.4555. All calls are CONFIDENTIAL and answered by a Masters or Ph.D. level counselor; your counselor will work with you on a plan beginning with the first call. Or go to www.EducatorsEAP.com and create a username and password.
WORK/LIFE BENEFITS
Assistance for financial, legal, and child & elder care.
PERSONAL ASSISTANT
Help for everyday issues, including finding a local medical or dental provider, summer camp options and more.
WELLNESS BENEFITS
Videos and resources to improve you and your family’s overall health, including fitness, diet and tobacco cessation.
LIFESTYLE SAVINGS BENEFIT
Includes thousands of discounts, rewards and perks in a variety of categories: Health & Wellness, Auto, Electronics, Apparel, Restaurants, Beauty & Spa, Flowers & Gifts, Sports & Fitness and more! Available benefits are accessible from ESI’s Member website.
As an educator, you face unique challenges…
Today, educators face special challenges – budget cuts, students at risk, parental issues – and more recently, the challenges around teaching during a pandemic. In addition to these on-the-job stressors, you juggle the challenges of your own personal and family issues. Usually, we can handle problems on our own, but sometimes it makes sense to reach out for help.
That’s why your employer provides you and your family with a confidential Employee Assistance Program or EAP, a benefit offering resources and solutions for the problems you encounter. Just as health insurance addresses your physical health, your EAP benefits help with your emotional and mental well-being. And your EAP benefits also include much more than just help for problems – we have a host of benefits and opportunities to help you grow professionally, save money, improve your health, and enhance your personal life!
Plus, Educators’ EAP is the only EAP specifically designed to address the unique challenges faced by educators. And because your employer has covered the cost of services, there is no cost to you.
HOW DOES THE EAP WORK?
Getting the help you need is simple. Call the EAP 24 hours a day, 7 days a week to reach a professional counselor via our toll-free number or log on to our website to access other bene ts.
MORE BENEFITS FOR YOU
Your EAP provides access to more problem-solving solutions and life enhancement bene ts than any other EAP. And nearly 99% of those who use the EAP are satis ed with the experience.
COUNSELING BENEFITS
Many complex issues are best resolved with counseling assistance from a behavioral health professional. You will want to consider calling for help if you encounter problems such as: Relationship and family issues
Depression, stress, or anxiety
Grief or loss of a loved one
Eating disorders or substance abuse
Workplace di culties
When you call, you connect immediately with a counselor. Each of our experienced counselors has a Masters or Ph.D. level of training. Should you need to be referred to a local counselor for personal visits, we have an extensive network of providers available to ensure that you will have a counselor near your home or workplace.
GETTING THE HELP YOU NEED
Call anytime for confidential assistance. To reach a counselor for any of your EAP needs, call toll free:
800-252-4555 OR VISIT
www.EducatorsEAP.com
COUNSELING BENEFITS
Help with personal issues from relationships to stress and substance abuse.
WORK/LIFE BENEFITS
Assistance for other personal, financial and legal issues.
SELF-HELP RESOURCE BENEFITS
Access a vast collection of self-help tools and articles.
PEAK PERFORMANCE COACHING
One-to-one telephonic personal & professional coaching.
LIFESTYLE SAVINGS BENEFITS
Get negotiated discounts and deals for wellness, shopping, travel & more.
PERSONAL DEVELOPMENT & TRAINING BENEFITS
An extensive library of eLearning opportunities to grow in your work, life, and career.
WELLNESS BENEFITS
Coaching, information, and resources to improve your overall wellness.
WORK/LIFE BENEFITS
Help for personal, family, nancial, and legal issues is available for your everyday work/life problems, including:
Debt counseling and restructuring
Legal problems not related to employment or medical concerns
Childcare and elder care assistance
Financial information
Caregiver help and resources
Real estate and tenant/landlord concerns
Interpersonal skills with family and co-workers Pet Help Center
SELF-HELP RESOURCES
Access thousands of tools and informative articles covering virtually every problem you might face. You can call or log on to the website to access these bene ts. Resources include:
Behavioral Health - information on everything from alcohol abuse to personal stress
Financial – articles and tools to help answer your questions and learn money management
Legal Information - topics ranging from adoption to wills
Tools for Tough Times - resources to help you do more with less in di cult nancial times
PEAK PERFORMANCE COACHING
Personal and professional coaching is available from senior-level ESI coaches. Get one-to-one telephonic coaching and support, as well as online self-help resources and trainings.
Coaching is available for:
Certi ed Financial Coaching
Balancing Life at Work and Home
Resilience
E ective Communication
Home Purchasing
Student Debt
Relaxation Coaching for Beginners
Workplace Con ict
Retirement (Practical & Emotional Aspects)
Succeeding as a Supervisor
issues, challenges and opportunities facing you and your students, such as: Managing the Classroom Budget Boosters for Educators
Parental Challenges Resource Center Cyber Safety Resource Center for Educators Bullies and Bullying
Your Lifestyle Savings Bene ts include thousands of specially negotiated ways to shop, travel, entertain, and improve your health and your quality of life. Explore deals, discounts, and perks from your favorite national brands.
LIFESTYLE SAVINGS BENEFITS PERSONAL DEVELOPMENT AND TRAINING
Our online training includes an extensive library of eLearning courses, trainings, and videos to help you boost your personal and professional growth. Balance your work, life, and career objectives with the help of tutorials, exercises, and worksheets.
The EAP wellness bene t allows you to access information and resources to improve you and your family’s overall wellness including stress reduction, tness, diet and smoking cessation.
Online Wellness Center
One-to-One Wellness Coaching from certi ed coaches for nutrition, weight loss, tness, reducing stress and quitting tobacco.
Benefit Contact Information
MEDICAL & PHARMACY CONTACT
Medical Mutual
Customer Service: 800-382-5729
Register on MyHealth Plan at: www.MedMutual.com/member
Access also available from smartphone using the Medical Mutual mobile app.
VISION CONTACT
EyeMed Customer Service: 866-804-0982
Register on: www.eyemed.com/member
Access also available from smartphone using the EyeMed mobile app.
Health Savings Account (HSA) PNC Customer Service: 844-356-9993
Website: www.pncbenefitplus.com
DENTAL CONTACT
Delta Dental PPO &Premier Network
Service: 800-524-0149
Website: www.deltadentaloh.com
Access also available from smartphone using the Delta Dental mobile app.
EAP CONTACT
Employee Assistance Program Customer Service: 800-252-4555
