EMPLOYEE BENEFITS Brevard County Board of County Commissioners

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EMPLOYEE BENEFITSBrevard CountyBoard of County
Commissioners

• Effective January 1, 2008

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Your Employee Benefits Staff

• Insurance Director
• Jerry Visco
• Employee Benefits Manager
• Cathy Jaskiewicz
• Benefits Specialists
• Rita Chrzaszcz, Employee Benefits
• Sam Bailes, Employee Benefits
• Kathy Patterson, HR Benefits
• Health Wellness Officer
• Glory Bennette, RN

321-633-2103
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2008 ANNUAL ENROLLMENT
On-line Enrollment Starts 10/15 and Ends
10/26 www.enrollment.com
October 2007
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2008 PLAN HIGHLIGHTS

• 9.5 Rate Increase for Medical no plan design
  changes
• Tricare Supplement No Longer Offered
• Delta Dental New Dental Provider
• Pre-Paid Debit Card for Flexible Spending
  Accounts
• Supplemental Life Guarantee Issue

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CAMPUS ON-LINE ENROLLMENT

• How Does The Process Work?
• If you wish to make changes to your current
  benefits, you must use the CAMPUS on-line
  enrollment system before October 26, 2007
• www.enrollment.com
• User ID brevard followed by your social
  security number
• Example brevard987654321
• Password Your password will be the first letter
  of the first name the first letter of your last
  name (your initials) your date of birth
  (mmddyy)
• Example Jane Doe, January 1, 1957 would be
  jd010157
• Dont Have a Computer?
• Computers with Internet access are in all County
  libraries and in the Employee Benefits/HR Office
  at the Viera Government Center (Bldg B, 2nd
  Floor).
• Not Up On The Latest Technology?
• Department Staff and/or Employee Benefits will be
  available to assist you in the enrollment process
  Monday through Friday from 8am to 5pm.

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WWW.ENROLLMENT.COM

• NOTE Immediately after you log on for the first
  time, you will be required to create a new
  password.
• It must be four or more characters (letters
  and/or numbers only, no spaces)

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WWW.ENROLLMENT.COM
Click here to learn more about your benefits.
Click here when you are ready to begin.
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WWW.ENROLLMENT.COM
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BENEFITS OVERVIEW
OPEN ACCESS PLANS no referrals required for
specialist visits (in-network)
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SCHEDULE OF BENEFITS
Out of Network is paid at the percentage of
reasonable and customary charges. Requires
prior authorization This is a summary of
benefits only refer to the Summary Plan
Description for details, limitations and
exclusions.
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HOW TO CHOOSE A PLAN

• Review Monthly Premium
• Review Plan Design
• BlueCare, CIGNA Basic EPO Plans are In-Network
  Only
• BlueChoice and PPO Plans have Out-of-Network
  Option
• Office Visit Co-pays
• Co-insurance
• Deductibles
• Maximum Out-of-Pocket Cost
• Extra Services (Healthy Rewards / Blue
  Compliments)
• Review Networks
• Parrish Hospital not in BCBSFL
• Indian River Memorial Hospital not in BCBSFL HMO
  Plan
• Find Your Physician(s) in the Network

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FINDING YOUR PHYSICIAN

• Access On-line Provider Directories
• www.bcbsfl.com
• BlueCare HMO
• BlueChoice PPO
• www.cigna.com
• EPO PPO Plans all use the PPO
• Directory
• Contact Your Physicians Office
• Contact BCBSFL or CIGNA

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2008 PHARMACY HIGHLIGHTS

• WALGREENS FORMULARY
• NO CHANGE IN CO-PAYS
• RETAIL (30 DAY SUPPLY)
• 10.00 GENERIC
• 20.00 NAME BRAND
• 35.00 NON-PREFERRED
• MAIL ORDER/ADVANTAGE 90 (90 DAY SUPPLY)
• 20.00 GENERIC
• 40.00 NAME BRAND
• 70.00 NON-PREFERRED

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2008 DENTAL PLANS

• New Dental Carrier - Delta Dental

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HOW DO YOU CHOOSE A PLAN?
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DELTACARE USA DHMO PLANS

• DeltaCare USA Plans are Pre-Paid (DHMO Type)
  Plans
• Member MUST Select a Dental Facility
• Benefit Schedule Shows Exact Co-pay Provider Will
  Charge For Each Procedure Code
• No Annual Maximum Benefit Limit
• No Out-Of-Network Benefits

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DELTACARE USA PLAN COMPARISONS
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DELTA DENTAL LOW PPO PLAN

• Maximum Allowable Charge (MAC) Plan
• In-Network PPO Dentist Cannot Charge More Than
  Scheduled Amount
• Members Are Not Required to Select a Dental
  Facility
• You Receive the Best Benefit When You Use a
  Network Dentist
• Limited Out-Of-Network Benefit w/ Delta Premiere
  and Out-of-Network Dentists
• Annual Maximum is 1,000 per calendar year

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DELTA DENTAL LOW PPO EXAMPLE
Utilizing an In-Network Dentist
Utilizing an Out-of-Network Dentist
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DELTACARE USA/PPO COMPARISON
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DELTA DENTAL HIGH PPO PLAN

• Three Provider Options In-Network, Premiere,
  Out-of-Network
• In-Network PPO Providers Agree Not to Charge More
  Than Discounted Amount No Balance Billing
  dentists under contract
• Premiere Network dentists not in PPO network but
  have agreed to a higher fee schedule
• Out-of-Network Providers Charge Normal Fee and
  Balance Bill Member. Out-of-Network Provider
  Charges are Paid to 90th Percentile 9 Out of
  Every 10 Dentists Wont Charge More
• Annual Maximum is 1,500 per calendar year

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PPO PLAN COMPARISON
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2008 DENTAL RATES
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HOW DO I CHOOSE A PLAN?
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2008 FLEXIBLE SPENDING PLANS

• Contribute money on a pre-tax basis every pay
  period
• 2 Type of Accounts Medical and Dependent Care
• Use the Medical Flexible Spending Account to pay
  for out-of-pocket medical, dental vision
  expenses
• Use the Dependent Care Account to pay for child
  or adult day care necessary while you and your
  spouse work or attend school

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FSA TAX EXAMPLE
Annual Salary 40,000

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2008 Flexible Spending Accounts

• How Much Can I Put Into The Account?
• Maximum Contribution 3,000 Med / 5,000 Dep
• Minimum Contribution 10.00/Pay Period
• How Much Should I Put Into The Account and what
  if I dont use it all?
• How Long Do I Have to Use My Money?
• Account funds must be used by March 15, 2009
• When is My Money Available?
• Medical - January 1, 2008 / Dep Care up to
  prefunded amount

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MEDICAL FSA

• What kinds of expenses can be reimbursed through
  a Medical FSA?
• Co-payments, co-insurance for medical, dental
  vision
• Counseling, therapy, mental health, substance
  abuse
• Medical equipment
• Glasses, contact lenses, laser eye surgery
• Prescription drugs
• Hearing aids
• Certain over-the-counter medications supplies
• Acupuncture, chiropractic

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DEPENDENT CARE FSA

• What kinds of expenses can be reimbursed through
  a
• Dependent Care FSA?
• Daycare expenses, including pre-school
• Before/After school programs
• Summer day camps (no overnight) for children up
  to age 13
• Adult daycare for a tax dependent
• Account is NOT pre-funded
• Tuition is not an allowable expense

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FSA DEBIT CARD

• NEW this year!
• Can be used at doctors office, pharmacy, dentist
  and eye doctors
• No waiting for reimbursement check to come
• First card free, additional card 5.00
• Direct deposit or check also available if you
  dont use the debit card
• Some receipts may still be required remember
• The Card Is Neat, But Save Your Receipt

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LIFE INSURANCE

• Basic and Supplement Life Now with The Standard
• True Open Enrollment if you have been
  previously denied coverage, now is the time to
  enroll!
• The guaranteed issue amount for an employee is 3
  times annual salary (for spouse 20,000)
• If the employee or spouse elects additional life
  insurance ABOVE the guaranteed issue, an EOI must
  be completed (a.k.a. medical questionnaire)
• ADD/Double Indemnity Coverage Included in both
  basic and supplemental life

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VOLUNTARY BENEFITS

• Vision Care Plan CompBenefits
• Long Term Disability (The Standard)
• Optional Voluntary Benefits cancer, hospital
  intensive care, accident, disability protection,
  hospital indemnity and long term care policies
  (Aflac, Allstate)

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POINTS TO REMEMBER

• Pre-Paid Debit Card Now Offered With Your FSA
• New Dental Plans
• 9.5 Increase In Medical Premiums
• Tricare Supplement No Longer Available
• Open Enrollment for Supplemental Employee Life
  Insurance
• Open Enrollment Ends at midnight (1159 p.m.) on
  October 26th.
• ENROLL
  EARLY!!!!

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HEALTH WELLNESS

• WINBrevard website
• www.winbrevard.com
• Provider links
• Wellness Events Health fairs, education series,
  weight management, flu shots, biometric
  screenings, fitness discounts
• Wellness Learning Center
• Health Risk Assessment
• Annual Senior Health Expo
• First Annual Senior Health Fair November 9th!

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Who Knew Eating Right Was So Easy!

• REMEMBER Eating right doesn't have to be
  complicated, just think in colors... fill your
  plate with bright greens, yellows, reds, etc.
  Youll feel better immediately.