Annual Enrollment

Transcription

1 Annual Enrollment

2 Your Benefits Team Jolene Daniels Sr. Manager, Benefits & Compensation Lori Quinn Benefits Specialist Brenda Key Benefits Technician Yeritt Maldonado Administrative Assistant Christine Keena Compensation Specialist Sherry Bugnet Account Executive The Bailey Group

3 Changes v Medical Slight plan design changes to all three medical plans No increase in premiums v Dental, Vision, Life, Voluntary Life, Long Term Disability, Short Term Disability, & Accident No increase in premiums Rates will increase if you have moved to a new 5-year age bracket for Voluntary Life No changes to these benefits

4 Changes v Supplemental Benefits New Carrier Allstate Cancer, Critical Illness and Supplemental Health Options Plan (SHOP) v Online Enrollment New Vendor BenefitFocus All eligible employees must log in and complete enrollment online

5 BlueOptions In-Network Family Physician $20 $600/ $850 Inpatient Hospital Specialist $40 $300/ $400 Outpatient Hospital Urgent Care Center $60 In-network out of pocket maximum includes copays but excludes prescriptions. Individual - $2,000 Family - $4,000

6 BlueOptions Out of Network Benefits Balance billing may occur. Individual - $1,000 Family - $3,000 BCBS 60% Member 40% Individual - $4,000 Family - $8,000

7 BlueOptions - Prescriptions Generic - $5 Brand - $30 Non-formulary - $50 Mail Order 90 day supply for 2 times copay

8 BlueChoice In-network Out of network Deductible & Coinsurance $400 / $1,200 80% / 20% $1,500 / $4,500 60% / 40% Copays Family Physician - $20 (All other services CYD & coinsurance) All services fall under CYD & coinsurance Out of Pocket Maximum Coinsurance only applies $2,000 / $6,000 Combined with in-network

9 BlueChoice- Prescriptions Generic - $10 Brand - $30 Non-formulary - $50 Mail Order 90 day supply for 2 times copay

10 HRA BlueOptions Most services fall under CYD & coinsurance in-network Florida Virtual School funds HRA to help offset your out of pocket expenses. CYD & Coinsurance In - $1,500 / $4,500 80% / 20% Out - $3,000 / $9,000 60% / 40% Copays (in-network) Family Physician - $25 Specialist - $50 Urgent Care - $60 Out of Pocket Includes copays, CYD & coinsurance In - $5,000 / $10,000 Out - $8,000 / $16,000

11 HRA BlueOptions- Prescriptions Generic - $10 Brand - $30 Non-formulary - $50 Mail Order 90 day supply for 2 times copay

12 Health Reimbursement Account If you enroll in HRA BlueOptions, FLVS will help offset your costs through an HRA Medical Plan Expenses When you or a covered family member incurs an expense under the medical plan HRA Use the HRA Debit Card to pay for the expense $1,200

13 Tobacco Surcharge Employees who use tobacco and are not actively participating in the Tobacco Cessation Program will incur the following surcharge to their medical premium per pay period: BlueOptions BlueChoice HRA BlueOptions $56.82 $61.77 $37.94

14 Workplace Wellness Requirements If you enrolled in one of the three medical plans on/before 2/1/13, make sure to have your Annual Physical and Online Health Risk Assessment Survey completed by the June 3, 2013 deadline! The new enrollment provider, Benefit Focus, will allow you to enter your Annual Physical dates and provider information right in the enrollment site! No need to complete a separate Preventive Exam form paper! Your tobacco use status can also be updated right in the enrollment site! Instructions on how to complete the Online Health Risk Assessment can be found on the home page of Staff Central!

15 Find a Provider Florida Blue Search for providers in BlueOptions(NetworkBlue) or BlueChoice (PPO) Choose Find a Doctor and More Log onto

16 Life Insurance Lincoln Financial Group $40,000 Paid by FLVS $5,000 or $10,000 Basic Child Voluntary Up to 50% of Employee election Spouse Voluntary Employee Voluntary Increments of $10,000 Up to 5x salary or $500,000 Increase Voluntary Life by 2 increments without proof of good health

17 Low Option PPO Dental Lincoln Financial Group Preventive Basic $50 Deductible $1,500 Maximum 100% In-Network 80% Out-of-Network Major 80% In-Network 60% Out-of-Network 25% In-Network 25% Out-of-Network Waiting periods will apply if you are enrolling in the dental for the first time. Orthodontic services are not covered.

18 High Option PPO Dental Lincoln Financial Group Preventive Basic $50 Deductible $1,500 Maximum 100% In-Network 100% Out-of-Network Major Ortho 80% In-Network 80% Out-of-Network 50% In-Network 50% Out-of-Network 50% In-Network 50% Out-of-Network Waiting periods will apply if you are enrolling in the dental for the first time.

19 Vision Plan Humana Eye Exams Lenses Frames $10 copay $20 copay $20 copay Benefit Frequency Every 12 months Benefit Frequency Every 12 months Benefit Frequency Every 24 months Contact Lens in lieu of glasses - $105 Discounts available for LASIK & material enhancements

20 Short Term Disability Lincoln Financial Group Voluntary Option 66 2/3% Up to $1,000 per week Elimination Period 8 th day for sickness 1 st day for accident Must exhaust all paid time off Employer Paid Up to $250 per week Duration Benefit can last up to 26 weeks Buy-Up Option Enroll during open enrollment on a Guarantee Issue Basis

21 Long Term Disability Lincoln Financial Group 60% of income up to $6,000 per month Benefit begins after 180 days of disability Benefit lasts until normal Social Security Retirement Age Employer paid benefit

22 Flexible Spending Accounts Discovery Benefits Set money aside from Paycheck Pre-tax Dollars Have services Medical, Dental or Vision Request reimbursement Debit Card or Submit receipt & form Be Conservative! Use It or Lose It Check out the great mobile app on online tools!

23 Flexible Spending Accounts Discovery Benefits v Two separate plans available: Health Care FSAs cover: Deduc=bles, Coinsurance, Co- Pays Medical, Rx, Dental, Vision Expenses Dependent Day Care FSAs cover: Childcare Expenses such as afer school care or day care centers Elder Care Expenses Dependent Day Care FSA funds are NOT to be used for Spousal or Children s Medical, Dental or Vision Expenses!

24 Accident Lincoln Financial Group Pays a benefit to you for services as a result of an accident Emergency Care Treatment Care Surgical or Non-Surgical Specific Injuries Transitional Care Accidental Death or Dismemberment Accident Cover yourself, spouse and/or children up to age 26 Does not coordinate with health insurance Take it with you if you leave FLVS

25 US Legal & Identity Theft Protection Family Protector Legal consultation $9.38 Family Protector with Identity Protector Legal + Identity Theft protection $14.35 In office or over the phone Will preparation and review Lawsuits as plaintiff or defendant Adoptions Traffic Violations Purchase or Sale of your home Landlord or tenant law Chapter 7 bankruptcy Criminal law Family law Child Support and custody Consumer law

26 Eligibility Other Opportuni,es 1. Within 30 days of a Change in Status 2. During Open Enrollment Open Enrollment changes will be effec=ve 7/1/2013

27 Online Enrollment v Who? All full-time benefits eligible employees Those waiving all coverage must still log in and verify current employer-paid elections Those keeping all benefits the same must still log in and reenroll. This is a new system- verification and accuracy is imperative! v What? Electronic signature required for new Summary of Benefits and Coverage notification- New Health Care Reform Requirement! v When? Enrollment must be completed no later than June 3, 2013!

28 Online Enrollment v Where? User Name first name + last initial + last 4 digits of SSN i.e. johns st time / Initial Password SSN with NO dashes i.e All current benefited employees should have already changed this initial password to something unique to them!

29 Online Enrollment v Why? Review all information including dependent information Confirm receipt of Summary of Benefits and Coverage notification Input/Review Beneficiary info for Life Insurance Review new Allstate coverage options Confirm and re-enroll in all benefits FSA elections must be made NEW every plan year- amounts elected in do not roll over!

30 Online Enrollment User Name first name + last initial + last 4 digits of SSN i.e. johns st time / Initial Password SSN with NO dashes i.e Reset password if applicable.

31

32

33

34

35 Choose the plan or coverage level on each page and push Next. Choose Save at the end of each section to move to the next benefit.

36 All employees must have Beneficiary Designations for life insurance. Be sure to update or input the information.

37 If your selection requires Evidence of Insurability, choose the Application link and complete the online EOI form on the Lincoln website.

38

39

40 FAQ v What s the difference between the dental plans? The High Option plan pays a better benefit especially if you are using an out of network dentist. Both plans use the same network. v How do I find a provider for my plans? Instructions on how to log in and find providers can be found in the Quick Links section of the HR InTouch website or on page 7 of your Benefits Booklet. v What do I do if I have a baby or have some other life event during the plan year? You will log into flvs.hrintouch.com again and choose the Life Event section. Detailed instructions on how to process your life event are available on Staff Central.

41 FAQ v Which medical plan should I choose? Check to see if your providers are participating with BlueOptions (in Florida) Are you willing to pay more out of your pocket if you have a large expense to save money out of your paycheck? A little risk can save you by selecting the HRA BlueOptions plan. All three plans cover the same services just with different out of pocket expenses.

42 Got Questions? Sherry A. Bugnet Account Executive