Annual Enrollment for Plan Year 2017 2017 Annual Enrollment Georgia - PowerPoint PPT Presentation

Annual Enrollment for Plan Year 2017

2017 Annual Enrollment Georgia Breeze Website: Opens: Monday, October 17 th 12:00AM Closes: Friday, November 4 th 11:59PM * Benefits elected are effective January 1, 2017 February 2010 2 APRIL 2010

Summary of Plan Changes for 2017 • Spending Accounts – New Website • CIGNA Dental HMO – Expanded Network • Met Life – One-time opportunity to increase coverage without completing Statement of Health February 2010 3 APRIL 2010

Flexible Healthcare Spending Account – 2017 Website Update New Look for ADP Website • Effective September 17 th , the ADP website will no longer support Internet Explorer version 8 or lower. • ADP has added an additional layer of security for first time web users. New users will be advised that a security code will be emailed to them within 5 minutes. • The State of Georgia’s security code is STATEOFGE-10029 • This code is the same for all users, and will never change. February 2010 4 APRIL 2010

Flexible Healthcare Spending Account – 2017 Plan cont’d • Maximum annual contribution is $2,510 • Minimum annual contribution remains $120 • Contributions must be re-elected each year, they do not rollover. February 2010 5 APRIL 2010

Flexible Healthcare Spending Account Healthcare Spending Account - ADP – Set aside pre-tax money to use for healthcare expenses. – Maximum amount $2,510 ($209/month) can be set aside per year. – Money is “Use or Lose” > You have until March 15, 2018 to use money placed in your 2017 spending account. – Entire amount is available the first day of the year. – Visa debit card available for purchases, but keep your receipts! – Qualifying expenses include: prescriptions, contact lenses/glasses, eye surgery, procedures/surgeries not covered by insurance, health insurance co-insurance. – Excluded expenses include: over the counter drugs, electrolysis, vitamins/herbal supplements, hair transplants, nicotine patches or gum, teeth whitening. February 2010 6 APRIL 2010

Flexible Healthcare Spending Account - continued Spending Accounts – Relation to the Health Saving Account Employees who enroll in the High Deductible Health Plan AND enroll in a Health Savings Account (HSA) will not be eligible to enroll in a Health Care Spending Account If an employee does enroll in a HCSA in error, it will be necessary for them to contact the Gabreeze Call Center and request an Appeal Form to submit to DOAS – The form will be received/reviewed by DOAS – Gabreeze will be notified of the final determination regarding the Spending Account February 2010 7 APRIL 2010

CIGNA Dental HMO • Cigna Dental (DHMO) Dental Network is available primarily to those who work or live in the Metro Atlanta Area. • There are limited participating providers in Chatham county. • Additional counties are being added for 2017, to include Lowndes, Houston, Cigna DHMO Rates Baldwin, Spalding, Troup, Richmond, You $22.58 Clarke, Barrow, Dawson, Floyd, Bartow, and Catoosa. You + $41.15 Spouse • Provider Network frequently changes You + $51.03 • No late entrant penalties or waiting periods. Child(ren) Family $60.86 • Slight rate increase for 2017 February 2010 8 APRIL 2010

Life Insurance – Met Life 2017 One-Up Opportunity True “ OneUp ” Special Enrollment Will allow employees to enroll in a life insurance plan at the first level of coverage; or increase their current coverage up one level without a Statement of Health (SOH). • The opportunity to “ OneUp ” will only be available for the 2017 plan year. • Employees that do not have coverage can enroll without a SOH. • Currently covered emplyees can move up one salary level without a SOH. February 2010 9 APRIL 2010

Life Insurance – Met Life Life Plans – MetLife MetLife offers: – Up to 10x e mployee’s salary for Employee Life coverage, up to $2 Million Current employees wishing to increase their current level of coverage beyond one level will be required to complete the online Statement of Health (SOH) Employees wishing to enroll in Spouse Life or increase the current level of spouse coverage will be required to complete the online Statement of Health (SOH) – Employees are required to pre-register their spouse on the Gabreeze website before the Statement of Health form will be available online. February 2010 10 APRIL 2010

Life Insurance – Met Life cont’d Life Plans – MetLife Waiver of Premium to the Employee Life product for permanent or total disability – Employee must initiate the process after meeting the 180 day qualifying period – Copy of the form available on the GABreeze, DOAS, and Team Georgia web sites Additional Life Insurance benefits: – Will Preparation – Estate Planning NOTE: These benefits are offered by Metlife in partnership with Hyatt Legal Services. This service is separate from the benefits provided under the Hyatt Legal Plan February 2010 11 APRIL 2010

More About Life Insurance… Beneficiaries are managed online. – Remember to review and update your beneficiaries. An employee must carry Employee Life if they wish to elect Spouse Life coverage. – Spouse Life coverage cannot exceed Employee Life coverage. Child life covers an employee’s children under 26, without medical underwriting. – Child Life coverage cannot exceed Employee Life Coverage – Disabled children can continue coverage after age 26. – Child Live coverage starts at live birth. Premiums are based on employee age and salary. February 2010 12 APRIL 2010

The following plans have no changes to coverage for 2017 Delta Dental Blue View Vision AFLAC Critical Illness Hyatt Legal Dependent Care Spending MetLife AD&D Short Term/Long Term Disability February 2010 13 APRIL 2010

Dental Insurance – Delta Dental Delta Dental Select Plan $50 In-Network Deductible, per person (or) $150 In- Network Family Deductible per calendar year. $50 Out-of-Network Deductible, per person (or) $150 Out-of-Network Family deductible per calendar year. $500 maximum coverage per person each calendar year. 100% Coverage for Diagnostic/Preventive services. (Cleanings, xrays, etc.) 80% Coverage for Basic Services (fillings, extractions), Endodontics (root canals), Periodontics (gum treatments), and Oral Surgery. 50% Coverage for Major Services (crowns, inlays, restorations, bridges, dentures, TMJ, surgical periodontics.) February 2010 14 APRIL 2010

Dental Insurance – Delta Dental Delta Dental Select Plus Plan $50 In-Network Deductible, per person (or) $150 In-Network Family Deductible per calendar year. $50 Out-of-Network Deductible, per person (or) $150 Out-of-Network Family deductible per calendar year. $2,000 maximum coverage per person each calendar year. 100% Coverage for Diagnostic/Preventive services. (Cleanings, xrays, etc.) 90% Coverage for Basic Services (fillings, extractions), Endodontics (root canals), Periodontics (gum treatments), and Oral Surgery. 60% Coverage for Major Services (crowns, inlays, restorations, bridges, dentures, TMJ, surgical periodontics.) 50% Coverage for Orthodontia Services, up to $2,000 lifetime maximum orthodontia benefit per person. February 2010 15 APRIL 2010

Delta Dental Plans – Late Entrant Penalties Late Entrant Penalties – Delta Dental: • If an employee does not carry dental insurance in the previous plan year, or cannot prove that they have had continuous dental insurance coverage, they are subject to “late entrant penalties.” • Under Delta Dental, the penalties are as follows: • Six month wait for: • major services (crowns, inlays, restorations, bridges, dentures, TMJ, surgical periodontics.) • Orthodontia (Select Plus Plan Only) February 2010 16 APRIL 2010

Delta Dental Premiums - 2017 Delta Dental – Delta Dental – Select Plan Premiums Select Plus Plan Premiums – You Only – You Only $26.20 $42.01 – You + Spouse – You + Spouse $82.22 $51.03 – You + Child – You + Child $53.49 $86.24 – You + Family – You + Family $74.95 $121.01 Admin fee is included in amount. February 2010 17 APRIL 2010

Vision – Blue Cross/Blue Shield of Georgia – Select Plan COVERED SERVICES COPAYMENTS/MAXIMUMS Network Providers Non-Network Providers Eye Exam Limited to one exam per Member every Calendar Year. $10 Copayment Reimbursed up to $40 Prescription Lenses Limited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair) $20 Copayment  Single Vision lenses Reimbursed up to $60  Lined Bifocal lenses Reimbursed up to $80  Lined Trifocal lenses Reimbursed up to $80  Lenticular lenses Reimbursed up to $45 Frames Limited to one set of frames per Member every 24 Months. $ 20 Copayment N/A Allowable Amount up to $130 retail allowance Prescription Contact Lenses Every 12 months in place of eyeglasses $20 Copayment Reimbursed up to $105 (traditional or disposable)  Non-Elective Contact Lenses Covered in full Reimbursed up to $210 (Availability once every Calendar Year.)  Elective Contact Lenses (Availability once every Calendar Year.) $20 Copayment Reimbursed up to $105 $105 plan allowance or disposables up to 4 boxes. Note: If you chose covered Non-Elective Contact Lenses or Elective Contact Lenses, no benefits will be available for covered eyeglass lenses in that period. February 2010 18 APRIL 2010