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Medical and Dental Deductions—Active EmployeesPlanTotal AnnualPremiumEmployeeMonthlyPremium at100%Biweekly Payroll DeductionBOE % ofAnnual CostEmployee% of AnnualCost95%5%12 MonthEmployees(24 pays) YourBi-WeeklyDeduction10 MonthEmployees(20 pays) YourBi-WeeklyDeductionMedical Insurance RatesHMOIndividual 7,218.99 601.58 6,858.04 360.95 15.04 18.05Parent & Child 14,257.76 1,188.15 13,544.87 712.89 29.70 35.64Employee &Spouse 17,045.24 1,420.44 16,192.97 852.26 35.51 42.61Family 20,997.23 1,749.77 19,947.36 1,049.86 43.74 52.4990%10%Preferred Provider Core PlanIndividual 8,095.95 674.66 7,286.36 809.60 33.73 40.48Parent & Child 17,602.52 1,466.88 15,842.26 1,760.25 73.34 88.01Employee &Spouse 20,822.94 1,735.25 18,740.65 2,082.29 86.76 104.11Family 22,581.99 1,881.83 20,323.79 2,258.20 94.09 112.9185%15%Triple OptionIndividual 8,505.14 708.76 7,229.36 1,275.77 53.16 63.79Parent & Child 18,492.30 1,541.03 15,718.46 2,773.85 115.58 138.69Employee &Spouse 21,875.81 1,822.98 18,594.43 3,281.37 136.72 164.07Family 23,721.80 1,976.82 20,163.53 3,558.27 148.26 177.9190%10%Dental Insurance RatesDelta PremierIndividual 259.92 21.66 233.93 25.99 1.08 1.30Parent & Child 427.32 35.61 384.59 42.73 1.78 2.14Employee &Spouse 547.44 45.62 492.70 54.74 2.28 2.74Family 798.36 66.53 718.52 79.84 3.33 3.9990%10%Delta PPOIndividual 354.48 29.54 319.03 35.45 1.48 1.77Parent & Child 581.88 48.49 523.69 58.19 2.42 2.91Employee &Spouse 746.16 62.18 671.54 74.62 3.11 3.73 1,087.80 90.65 979.02 108.78 4.53 5.44FamilyPremium deductions will begin in July (September for ten-month employees) and coverage will be effective July 1, 2020. New hires coveragewill start on the first pay of the month following the date of hire and enrollment in the plan. Deductions will begin with the first pay of themonth following the date of hire and enrollment in the plan.Harford County Public Schools—Benefits Enrollment & Reference Guide 5

Medical and Dental Deductions—Active Part TimeHCEA and HCEA-ESP Represented EmployeesHired or transferred to a PT position of less than 25 hours per week on or after 7/1/2013PlanTotal AnnualPremiumEmployeeMonthlyPremium at100%Biweekly Payroll DeductionBOE % ofAnnual CostEmployee% of AnnualCost47.5%52.5%12 MonthEmployees (24pays) YourBi-WeeklyDeduction10 MonthEmployees (20pays) YourBi-WeeklyDeductionMedical Insurance RatesHMOIndividual 7,218.99 601.58 3,429.02 3,789.97 157.92 189.50Parent & Child 14,257.76 1,188.15 6,772.43 7,485.32 311.89 374.27Employee &Spouse 17,045.24 1,420.44 8,096.49 8,948.75 372.86 447.44Family 20,997.23 1,749.77 9,973.68 11,023.54 459.31 551.18Preferred Provider Core Plan45.0%55.0%Individual 8,095.95 674.66 3,643.18 4,452.77 185.53 222.64Parent & Child 17,602.52 1,466.88 7,921.13 9,681.38 403.39 484.07Employee &Spouse 20,822.94 1,735.25 9,370.32 11,452.62 477.19 572.63Family 22,581.99 1,881.83 10,161.90 12,420.09 517.50 621.0042.5%57.5%Individual 8,505.14 708.76 3,614.68 4,890.45 203.77 244.52Parent & Child 18,492.30 1,541.03 7,859.23 10,633.07 443.04 531.65Employee &Spouse 21,875.81 1,822.98 9,297.22 12,578.59 524.11 628.93Family 23,721.80 1,976.82 10,081.76 13,640.03 568.33 682.0045.0%55.0%Triple OptionDental Insurance RatesDelta PremierIndividual 259.92 21.66 116.96 142.96 5.96 7.15Parent & Child 427.32 35.61 192.29 235.03 9.79 11.75Employee &Spouse 547.44 45.62 246.35 301.09 12.55 15.05Family 798.36 66.53 359.26 439.10 18.30 21.9545.0%55.0%Delta PPOIndividual 354.48 29.54 159.52 194.96 8.12 9.75Parent & Child 581.88 48.49 261.85 320.03 13.33 16.00Employee &Spouse 746.16 62.18 335.77 410.39 17.10 20.52 1,087.80 90.65 489.51 598.29 24.93 29.91FamilyPremium deductions will begin in July (September for ten-month employees) and coverage will be effective July 1, 2020. New hires coveragewill start on the first pay of the month following the date of hire and enrollment in the plan. Deductions will begin with the first pay of themonth following the date of hire and enrollment in the plan.6 Harford County Public Schools—Benefits Enrollment & Reference Guide

Be an Informed Health Care ConsumerMost people are not accustomed to questioning their doctors about the insurance plans theyaccept, or the cost and medical necessity of a treatment. Knowing what questions to ask andwhen to ask them makes the process much easier and less stressful! Asking questions ofyour health care providers helps maintain both the cost and quality of your health care. So it’simportant for everyone, regardless of the health care option elected, to ask about the medicalnecessity of any treatment and if there are alternatives to consider.Here are some tips to help youbecome a good health care consumer sk your provider or his/her business officeAif they accept your HCPS health care plan. Ifthey do, evaluate what plan is best for you. ake notes in advance of your office visitMabout the things you want to ask your doctor.Keep a list of any symptoms you have had orare currently experiencing. Keep a list of themedications you take, whether prescriptionsor over the counter. Share the list with allhealth care providers. ring a spouse or friend along with you.Bchances are if you don’t recall something thatwas said, he or she will! ring a pad and pencil to the doctor’s office;Bdon’t rely on your memory for everything! I f your doctor uses a term that you do notunderstand, ask what it means and ask that itbe spelled. Then, write it down and do somemore research once you leave the office. Get a copy of any test results. I f your doctor writes a prescription for you,ask your doctor and pharmacist aboutinteractions with other drugs you may betaking or about side effects that you mayexperience. Remember, if you are takingany maintenance medications, request oneprescription for a 30-day supply from a retailpharmacy and another prescription for mailorder (for up to a 90-day supply, plus up tothree refills). I f you have access to the Internet, use it tolearn about your medications or illnesses.The Internet has excellent information onmany health-related subjects. One respectedresource is webmd.com. Ask your physicianwhich web-sites they believe are valuable. Besure to let your physician know your findings. isit es/benefits or carefirst.comto link to our health care vendor websites formore resources. heck the vendor websites for details onCproviders and other useful information.Help control the cost of health careand promote your well-beingOn an almost-daily basis, the rising cost ofhealth care is in the news. Advances in medicaltechnology, expensive prescription drugs,consumer demand, and an aging population arejust a few factors that impact health care costs.While some factors are beyond the control of theconsumer, there are some things you can do tohelp keep health care costs down—both for youand for HCPS. Below are a few tips to help youbecome a wiser consumer of health care.Harford County Public Schools—Benefits Enrollment & Reference Guide 7

Be an Informed Health Care ConsumerMaintain a healthy lifestyleAsk for GenericMaintaining your own health can help to minimizeyour health care costs. The healthier you are,the less likely you are to need costly health careservices—which means you spend less on copays,deductibles, and other medical costs. Eat right andget plenty of exercise.When you need a prescription, ask your doctor toprescribe a generic, if one is available. Genericshave the same chemical equivalency as brandname drugs, and are held to the same standardsby the Food and Drug Administration, but they costless than brand-name drugs.Get regular checkupsReview your bills and Explanation ofBenefits (EOB)Get a regular annual checkup and/or physicalexam, which can uncover early warning signs ofpotential health problems, and can also help youbuild a good relationship with your doctor.Save the emergency room for emergenciesEmergency room visits are two to three times moreexpensive than a visit to the doctor’s office or anurgent care center. These ER visits are not onlycostly, but they can be unnecessarily stressful andtime-consuming for you and your family if whatyou need is routine care. Urgent care facilities areavailable in the area and may be used for a varietyof urgent health problems for a lower copay thanthe ER.Get regular screeningsGet regular screenings (e.g., mammograms)as recommended by your carrier andnational organizations, such as the AmericanCancer Society.Reviewing your health care bills can help youidentify and prevent unnecessary health carecosts. Here’s what to look for to determine if a billis correct: oes the date of service on the bill match theDdate you went to the doctor or the hospital? id you receive all the services or proceduresDlisted on the bill? re you charged for more x-rays or lab workAthan you received? Call your provider toreport any errors you spot on your bills orExplanation of Benefits forms (EOB’s). I s your share of the cost correct? If not, callthe insurance provider to discuss. If there is areferral involved, was the referral processedprior to the claim?Visit a primary care provider before going tosee a specialistPrimary care providers are usually familypractitioners, general practitioners, internists orpediatricians. A primary care provider can treatmany illnesses and injuries at a lower fee – inmany cases at half the cost of a specialist’s fee.For example, you don’t necessarily need to see anorthopedic specialist for back pain. Primary careproviders consider your overall health. They canadvise you about disease prevention and howto stay healthy. They are also familiar with yourpersonal health history and needs and have yourmedical records on file.8 Harford County Public Schools—Benefits Enrollment & Reference Guide

Enrollment InstructionsEnroll online with web enrollmentThe 2021 Harford County Public Schools BenefitsOpen Enrollment will take place starting May 10,2021 through May 24, 2021. Web enrollment offersyou the convenience to enroll anytime, anywherethrough the internet. VIEW AND PRINT YOUR ENROLLMENT SUMMARY. I f dependents have been added to yourcoverage, submit the dependent verificationform and requested documentation to thebenefits office (see page 3).New hires must enroll in benefits within 30 daysof hire or may be forced to wait for the next openenrollment period.You may make changes to your benefits on theenrollment website during open enrollment fromMay 10, 2021 until midnight on May 24, 2021. Thelast elections that you save will be your benefitsbeginning July 1, 2021.Before you enroll: Familiarize yourself with your options byreading your 2021 benefit guide. This guide isalso available at https://hcps.benelogic.comor s/benefits* The website may be unavailable periodically during yourenrollment period for routine maintenance.Remember your selections made during openenrollment will be effective July 1, 2020. Benefitsfor all new hires will be effective the first of themonth following your date of hire.Have the following information about youand your dependents:Social Security Number I f you choose to join CareFirst Health, DeltaDental, Flexible Spending or MetLife InsurancePrograms, complete the online enrollmentprocess. emember, if you wish to add or changeRcoverage, you must complete the onlineenrollment process. New hires must submit verification of eligibilityfor all dependents on your account. Current employees must submit verificationof eligibility for all new dependents addedto coverage.Date of birthInformation on other medical coveragethat you and your dependents have.To enroll in your benefits: sing a computer with Internet, go toUhttps://hcps.benelogic.com. (Enter in addressfield, not search) Enter your User ID (HCPS 5-digit Employee ID#)(New hires should use their Social SecurityNumber with no dashes). Enter your password or click on Forgot User ID/Password? (New hires enter the last four digits ofyour Social Security Number). Change your password (if you log into thewebsite again, you will need this new password). ollow the instructions on the website and enrollFin your 2021 benefits. eview your elections to check for errorsR(highlighted in yellow). onfirm that you have linked all dependents toCthe coverage in which they are to be enrolled. YOU MUST click on the Submit button to haveyour elections processed.Any employee needing assistance with enrollmentshould call the Benefits Office at 410-588-5275Monday – Friday, 7:30 a.m. – 4:30 p.m. or emailbenefits@hcps.org.Social security number requiredDue to new reporting requirement under theAffordable Care Act we are required to providereports to the IRS. The IRS requires that thereports include each covered person’s, includingdependents, social security number (SSN), whichis the primary identifier used by the IRS. Thereforewe must have the SSN for all enrollees in an HCPShealth plan.Harford County Public Schools—Benefits Enrollment & Reference Guide 9

BlueChoice HMO Open AccessNo referrals requiredWith BlueChoice HMO, your primary care provider (PCP) provides routine care and coordinatesspecialty care. This plan also allows you to visit specialists directly—no referrals needed. Wealso offer online tools and resources at carefirst.com that give you the freedom and flexibilityto manage your health care and wellness goals wherever you are.Benefits at a glancePreventive care and sick office visits ou are covered for all preventive care asYwell as sick office visits.Large provider network ou can choose any doctor from ourYlarge network of providers. Our networkalso includes specialists, hospitals andpharmacies—giving you many options foryour health care.Specialist servicesTake advantage of your benefits A network of almost 40,000 CareFirst BlueChoiceproviders (PCPs, nurse practitioners, specialists,hospitals, pharmacies, urgent care centers,convenience care clinics and diagnosticcenters) in Maryland, Washington, D.C. andNorthern Virginia. After-hours care including a free 24-hournurse advice line, video visits, conveniencecare clinics and urgent care centers. 0 cost for comprehensive preventive healthcare visits. Predictable copays and deductibles(if applicable). The Away from Home Care program allowsyou to take your plan benefits with you ifyou’re out of the area for at least 90 days. Coverage for emergency or urgent care if youare outside CareFirst BlueCross BlueShield’sservice area (Maryland, Washington, D.C. andNorthern Virginia).10 Harford County Public Schools—Benefits Enrollment & Reference Guide our coverage includes services fromYspecialists without a referral. Specialistsare doctors or nurses who are highlytrained to treat certain conditions, suchas cardiologists or dermatologists.Prescription drug coverageYour plan covers prescription drugs.Hospital services You’recovered for overnight hospitalstays. You’re also covered for outpatientservices, those procedures you get inthe hospital without spending the night.Your PCP or specialist must provide priorauthorization for all hospital services.Labs, X-rays or specialty imaging overed services include providerCordered lab tests, X-rays and otherspecialty imaging tests (MRI, CT scan,PET scan, etc.).

BlueChoice HMO Open AccessExamples of in-network services not subjectto deductible*:Well-child visitsAll well-child visits and immunizationsare covered.Maternity and pregnancy care ou are covered for doctor visits beforeYand after your baby is born, includinghospital stays. If needed, we also coverhome visits after the baby’s birth.Mental health andsubstance use disorder Adult preventive visits with PCP Well-child care and immunizations with PCP OB/GYN visits and pap tests Mammograms Prostate and colorectal screenings Routine prenatal maternity servicesStep 3: Your plan will start to pay for services our coverage includes behavioral healthYtreatment, such as psychotherapy andcounseling, mental and behavioral healthinpatient services and substance usedisorder treatment.How your plan worksYour full benefits will become available once yourdeductible (if applicable) is met as long as you visitparticipating CareFirst BlueChoice doctors andfacilities. Depending on your particular plan, youmay also have to pay a copay or coinsurance whenyou receive care.CareFirst BlueCross BlueShield has the region’slargest network for doctors, pharmacies, hospitalsand other health care providers that accept ourhealth plans. Because networks vary amongCareFirst health plans, make sure you’re familiarwith your specific plan’s network.Deductible requirements vary based on whetheryour coverage is an individual or family plan. Ifmore than one person is covered under your plan,please refer to your Certificate of Coverage fordetailed information on deductibles.Your benefitsYour out-of-pocket maximum is the maximumamount you will pay during your benefit period.Any amount you pay toward your deductible (ifapplicable) and most copays and/or coinsurancewill count toward your out-of-pocket maximum.Step 1: Select a PCPEstablishing a relationship with one doctor isthe best way to receive consistent, quality healthcare. When you enroll in a BlueChoice HMO OpenAccess plan, you select a PCP—either a physicianor nurse practitioner—to manage your primarymedical care.

(Available to ALL employees—CareFirst members and non-CareFirst members) CareFirst has partnered with Sharecare, Inc. to bring you a wellness program that includes a wealth of tools and resources, as well as easy-to-understand recommendations and insights all tailored to help you live your healthiest life! Included is a RealAge Test to determine