Our Mission 
To improve the learning outcomes and well-being of all children and youth by providing services and leadership in partnership with families, schools and communities. 

Our Goals 
• Increase learning growth for students 
• Decrease the gap in achievement 
• Increase annual graduation rates 
• Increase gateways to post-secondary success

Reminder: Remote Work Idea -- Submit a Presentation for the All-Staff Meeting!

We are being optimistic that the All-Staff Meeting will go on as planned! While you're remote working, take some time to submit a presentation idea! (We've also extended the deadline!)

The Agency is looking forward to another year of employee engagement through staff presentations at our All-Staff Meeting!  

Save Aug. 18, 2020, on your calendar for a “most of the day” meeting that will again feature an afternoon of presentations from YOU! Like last year, there will be continued opportunities for staff to showcase their work and accomplishments. Our call for presenters will allow you and your colleagues the option of choosing to present an afternoon session or a morning informational table or both.  

• Morning informational tables: If departments or workgroups would like to showcase their work via a table display, that option will be available from 8 to 9 a.m. before the meeting begins. 
• Afternoon presentations: 30 minutes in length and can be presented in any format you prefer. Topics can be personal or professional. 

How to Submit a Proposal  
If you or a team of your co-workers are interested in presenting, complete this presentation proposal by APRIL 30. After all proposals have been submitted, you will be notified if your presentation or table display has been accepted. 

When planning your presentation, think about how it reflects, educates, touches on or celebrates in the areas of Connections / Connecting and/or Well-being. Keynote speaker Lyndsey Fennelly will kick off the day with this focus and we’d like the staff presentations to follow her lead. Consider these learning focus areas:  

• Connections with staff, student and educators 
• Well-being services and supports to students, educators and self 
• Celebrating YOU: sharing your successes, what you’re proud of, both professional or personal 
• Core Values: Caring - Proactive - Collaborative  
• Mission: To improve the learning outcomes and well-being of all children and youth by providing services and leadership in partnership with families, schools and communities 
• Wellness: Heartland AEA’s Five Elements of Wellness: Career, Community, Financial, Social, Physical 

This approach to learning during our All-Staff meeting gives us a unique opportunity to feel the pulse of the Agency in just a few hours, to connect, learn and celebrate together. These presentations showcase your expertise, your passion and your innovation. So don’t be shy—show your work! Submit your presentation application by April 30, 2020!  

If you have any questions, contact the Communications Department.

Special COVID-19 Newsletter from Iowa Board of Educational Examiners Available

A special COVID-19 edition of the Iowa Board of Educational Examiners’ newsletter is available.  

It’s No Joke -- Annual Benefits Enrollment Begins on April 1!

Enrollment Begins: April 1, 2020 

Enrollment Ends: April 30, 2020 

Our annual benefits enrollment begins this Wednesday, April 1. Continue to look over the plan changes for 2020-21 benefit plan year and the 2021-21 insurance rate sheet as you prepare to enroll. 

• Medical & HRA Plan Changes 
• 2020-21 Insurance Rate Sheet 

There is a new look to enrollment this year, as we have a new enrollment system in the Employee Online module of the Employee Dashboard. The below instructions will assist you as you enroll using the updated system this year.  

• Instructions for Using New Benefits Enrollment Module 

Enrollment Assistance 
Every Monday through the enrollment period, Juliette Houseman, Benefits Specialist, will provide links in The Connection for individual and group enrollment assistance through Zoom. On the group Zooms, you should know the selections you want to make, so Juliette can walk you through the actual enrollment process. If you have specific questions, you can contact Juliette directly. 

This week you can email Juliette with questions, sign up for a personal Zoom being held on April 2 with half-hour time slots beginning at 1 p.m. a calendar invite or join the group Zoom for enrollment assistance on April 3 at 1 p.m. via this Zoom link.

How to Find Out What Tier Your Medication is Under on Your Health Plan

A number of you have questions about what tier your prescription medication falls under in our health care plans. To find out what tier your medication is under: 

•  Go to Wellmark.com and on the home page scroll down to the lower left-hand side of the page. 
•  Select Prescription Drug Info > Drug List > Scroll down to Blue RxComplete > Continue to New Site > Enter Drug Name.

Reminder: Questions & Answers: Medical Insurance Plan Changes Effective July 1

Note: Selected insurance terms are defined at the end of this document. 

INCREASED COSTS/IMPACT ON EMPLOYEES 

Why are the Agency’s insurance plans changing? 
Health care costs in Iowa and across the nation have continued to increase at a rate that exceeds general inflation. Despite these increasing costs, the Agency has managed to maintain consistent premiums since July 1, 2014, and offer comprehensive coverage while minimizing the financial impact on staff contributions. The Agency has made minor changes to insurance plan designs over the past several years. However, in light of a significant increase in insurance claims over the past two years, the Agency needed to update its medical insurance plans. 

How will these changes affect employees’ costs? 
There are two areas of cost: one is the cost of the insurance premium and the other is the out-of-pocket cost for medical care. 

Insurance Premium 
The Agency pays 100% of the single premium and 60% of the family premium as part of our compensation packages. To the extent the Agency pays more for insurance premiums, it means there are fewer dollars available to increase salaries and wages. Effective July 1, 2020, the single and family premiums would have increased by nearly 8% had we recommended a status quo approach to the plan designs. For someone with family coverage, that person's share of the monthly premium would have increased $43 to $49 per month, depending on which plan the person elected. By making some changes, the lower deductible plan will have a 0% premium increase and the higher deductible plan will have a 2% premium increase. For those with family coverage on the higher deductible plan, the 2% increase translates to about $11 per month in additional employee costs.  

Out-of-Pocket 
Out-of-pocket costs vary greatly based on a person's medical usage. The impact will also depend on the medical plan that is chosen. Any change might feel major to employees because it has been several years since we've changed deductibles, co-insurance and out-of-pocket maximums. The emergency room (ER) copay has been $75 for the past several years. Effective July 1, 2020, the ER copay will increase to $150. 

DEDUCTIBLES & OUT-OF-POCKET MAXIMUMS 

How will the new plans affect the deductibles, co-insurance and out-of-pocket maximums?   
In-network Deductibles 
The Agency will continue to offer two plans. 

Coinsurance
In the lower deductible plan, coinsurance remains unchanged at 15%. Coinsurance will increase to 20% on the higher deductible plan. 

In-network Out-of-pocket Maximums (OPM) 

PRESCRIPTIONS 

What has changed with the approved drug list? 
We will continue to use the Wellmark pharmacy program (Blue Rx Complete) for prescriptions under the plan. 

How much will my prescriptions cost in the new plan? 
The prescription drug plans will have four tiers instead of three tiers. 

Why was a 4th tier prescription drug level added? 
Prescription drug costs are increasing at a rapid pace. The 4th tier copay was added to help encourage members to seek lower-cost alternatives for both the member and the plan. Medications in the 4th tier are those that have alternatives on lower tiers with similar medical outcomes or are not considered to be medically necessary. 

COVERAGES 

Are any services no longer covered? 
All health and pharmacy (and ancillary if applicable) benefits will remain the same. 

What options are available to minimize employee out-of-pocket costs? 
Doctor on Demand (DOD) is an affordable and convenient alternative to going to a walk-in clinic. DOD provides a more affordable and time-efficient alternative to a walk-in experience. Virtual visit doctors are Iowa board-certified, and if they refer you to a clinic visit then you are not charged by DOD. 

Since DOD is not considered out-of-network, you can complete a virtual visit and get your prescription at a participating pharmacy regardless of whether you are in Iowa or traveling out of state. 

PROVIDER NETWORK 

How will these changes affect the provider network? 
We will continue to use the Wellmark Blue Choice provider network for both plans. 

TAXES 

What are the tax implications related to these increases? 
Insurance premiums paid by the employer are tax-free. The portion of family premiums paid by employees is deducted from paychecks before taxes are calculated. Out-of-pocket medical costs can be paid by the employee with pre-tax dollars to the extent the employee sets aside dollars in the Agency’s “flex medical” plan during the open enrollment period each April. 

DIFFERENCES IN PLANS BASED ON EMPLOYEE TYPE 

Do these changes affect all employees or just certain employee groups? 
All employees are offered the same medical insurance choices, regardless of their workgroup. Employees can choose single or family coverage for either of the two plans. Employee benefit summaries for each employment group are available on the intranet. 

Which employee groups receive free family insurance and additional money for the HRA? Effective July 1, 2020, all employees are treated the same for insurance premiums and HRA contributions. 

OPTING OUT 

Can employees opt out of agency insurance if they have insurance coverage through a spouse's family plan? 
Yes. Under Iowa law, employees can opt-out of the Agency’s insurance plan. They will need to sign a Declination Waiver provided by the Benefits Specialist. Employer-paid single coverage is offered to all full-time employees. The Agency provides no incentive for employees to opt-out of the insurance plan. It is likely that some employees have double coverage because of a spouse’s insurance plan. 

HOW THESE PLANS WERE DETERMINED 

These are big increases across the board. Shouldn’t we have made small adjustments over the past few years rather than wait to make these large changes in one year? Were these decisions made as a result of consulting employees? 
The recommendations were supported by the Insurance Committee at its last meeting on Jan. 24, 2020. The Committee worked collaboratively with the Agency’s employee benefits consultants and a Wellmark Blue Cross/Blue Shield Account Manager. In February 2020, the Agency’s board of directors approved the Insurance Committee’s recommendations. Going forward, the Agency intends to consider insurance plan design changes every three to five years rather than making smaller changes each year. 

INSURANCE COMMITTEE 

Who are the insurance committee members and what groups do they represent in the agency? 
Keri Renze and Doug Olson -- Certified Union 
Teri Hazen -- Classified Union 
Doug Schuster and Steve Jordan -- Classified Non-Union 
Nia Chiaramonte and Brian Whalen -- Leaders 
Juliette Houseman -- Benefits Specialist 
Kurt Subra -- APC 

ADDITIONAL SUPPORT TO THE AGENCY 

In addition, our employee benefits consultants participate in our annual health insurance decision-making process by providing research, data, usage, industry trends, and more. The Wellmark BC/BS account manager assigned to our account is also a partner and participates in most insurance committee meetings. 

CHOOSING YOUR MEDICAL PLAN 

What would be the advantages or disadvantages of moving from the higher deductible to the lower deductible? 
The answer to this question varies by individual. A few considerations for an employee (and their spouse and/or dependents, if applicable) should include the following: single or family coverage, pregnancy or planning a surgery, specific higher cost health conditions, and/or regular use of prescription drugs. The prescription copays should be reviewed based on what the employee or family member utilizes. 

I’m enrolled in the higher family deductible plan now, but I want to drop to the lower family deductible for this next year due to the increases. However, the following year I may want to go back to the higher family deductible plan. How does this affect my HRA? Can I drop to the lower deductible plan this year and elect the higher deductible plan the following year? 
Each April during the Agency’s annual enrollment period, an employee can decide which deductible plan to enroll in for the following benefit plan year which begins on July 1. HRA contributions are made on behalf of employees enrolled in the higher deductible plan. If an employee receives HRA contributions and then the following year decides to drop to the lower deductible, the employee still has access to his or her HRA, but no HRA contributions are received when the employee is enrolled in the lower deductible plan. If the employee moves back to the higher deductible plan the following year, then the HRA contributions resume. 

HRA CHANGES 

What is happening with the HRA? 
Effective July 1, 2020, HRA contributions will be the same for all employees electing the higher deductible plan. Employees with single coverage will receive $900/year and employees with family coverage will receive $1,920/year. 

Why is there such a huge increase in HRA for family/union? 
The IRS has special rules for self-funded employee benefit plans. The Agency needed to address the discrepancy in HRA contributions between the union and non-union employees who participate in family insurance coverage. 

Is the HRA pushing up the costs of the medical plan? 
No. The HRA is intended to be a benefits equalizer. The HRA is not funded by the medical plan. 

INSURANCE TERMS 

Premium: The amount the Agency and you pay for your health insurance coverage every month. The employer-paid portion is a tax-free benefit. The amount you contribute towards the family insurance premium is deducted pre-tax from your paycheck. 

Deductible: The amount of medical costs that you pay at 100% before coinsurance is applied. Even though the Agency’s fiscal year is July 1 - June 30, the insurance industry accounts for deductibles and out-of-pocket maximums based on a calendar year. Those who have met their deductibles by June 30, 2020, will now have higher deductibles to meet between July 1 and December 31. 

Coinsurance: Once you’ve met your deductible, this is the percentage of medical costs for which you are responsible for covered services until you satisfy your out-of-pocket maximum. Effective July 1, 2020, the coinsurance percentage on the lower deductible plan will remain at 15%. Coinsurance will be increased to 20% on the higher deductible plan. Coinsurance also applies to office visits unless it is waived by the plan for preventative services. 

Out-of-pocket maximum: This is the most that you will be required to pay out of pocket for covered medical expenses during a year. This includes your deductible and coinsurance payments. For prescription drugs, your copays will accumulate up to a separate out-of-pocket maximum of $3,600. Expenses that do not count towards your in-network out-of-pocket maximum(s): monthly premium contributions, expenses not covered by your plan, and out-of-network expenses. Once you have paid the maximum out-of-pocket amount, your insurance should pay 100 percent of your covered medical expenses. 

Copay: An out of pocket cost that applies to prescription drugs in the Agency’s plans. The copays accumulate towards the prescription drug annual out-of-pocket maximum. 

Covered person: This is any person who is eligible to receive benefits on your health insurance plan. This would include the policy owner (you) and any family members covered by your plan. 

Explanation of Benefits (EOB): This document is an account statement and not a bill. After you make a claim on your policy and the insurance company has made a payment, you will receive an EOB in the mail. It will explain the actions the insurer took on the claim, the available benefits, your portion of the cost and, if necessary, any reasons for denying the claim. The EOB also explains the claims appeal process. 

Reminder: Water You Drinking Flash Challenge is This Week!

Water You Drinking This Week??

See the flyer below for information about our third "Flash" Challenge of the Wellness year. Flash challenges are fun challenges conducted for a week or less. The goal is to log at least 8 cups of water each day of this flash challenge -- March 30 through April 3. Log at least 8 cups of water every day of this flash challenge and verify your participation. Activity can only be recorded during that period of time.

Water You Drinking Flyer

March 31 Board Meeting Agenda Available

The agenda is available for the special meeting of the Heartland AEA Board of Directors on March 31 beginning at 5 p.m.

It’s That Time of Year Again—Time to Sign Up to be a Mentor for the 2020-21 School Year!

As a mentor, you share your time, welcome new staff and support new staff by building their capacity as they join our Heartland AEA team. Mentoring is a personally and professionally fulfilling experience that also helps our agency build capacity and retain great employees. Note that this program is for mentors and mentees who are Certified Union staff members.  
  

• Mentors of first-year staff provide 20 hours of one-on-one coaching and support for their mentee, are provided with mentorship training and in return will receive a $1,300 (gross) payment and the personal satisfaction of knowing that they’ve made a difference in the career of the mentee.    
• Mentors of second-year staff provide 15 hours of one-on-one coaching and support for their mentee, are provided with mentorship training and in return will receive a $1,000 (gross) payment and the personal satisfaction of knowing that they’ve made a difference in the career of the mentee. 


   

It’s easy to sign up! Complete the online Mentor Application by April 13, 2020. If you are a mentor this year and are interested in mentoring again, you do need to complete this form to be considered as a mentor again in 2020-21. After receiving applications, more information will be provided to mentors in the near future for next year’s mentoring and induction program. 

If you have any questions, contact Martha Condon, Director of Professional Learning.