Annual Enrollment for Plan Year 2020 www.gabreeze.ga.gov 2020 - PowerPoint PPT Presentation

Annual Enrollment for Plan Year 2020

www.gabreeze.ga.gov 2020 Annual Enrollment Georgia Breeze Website: Opens: Monday, October 21 st 12:00AM Closes: Friday, November 8 th 11:59PM * Benefits elected are effective January 1, 2020 February 2010 2

Flexible Benefits Enrollment thru Georgia Breeze Annual Enrollment Visit www.gabreeze.ga.gov to enroll in your benefits today! For assistance with the Georgia Breeze website or flexible benefits enrollment, contact the Georgia Breeze call center at 1-877-342-7339, 8:00 AM – 5:00PM, Monday-Friday. Print your confirmation page when you have completed your elections! – You may change your elections as many times as you wish during open enrollment. – The choices remaining in the system on November 8 th will be yours for all of 2020! If you complete your enrollment verbally with a Georgia Breeze associate, document the name of the representative, date, and time of the call. If you do not login, all benefits from 2019 will rollover, except for the Flexible Spending Account. February 2010 3

Summary of Plan Changes for 2020 • Healthcare Flexible Spending Account contribution limit increases to $2,652. (was $2,604) • MetLife One-Up Campaign – enroll/increase employee life coverage one level without completing a Statement of Health. • Spouse Life premiums now calculated on spouse’s age. (Spouse premiums were previously calculated on the employee’s age.) • Vision premium increase 2.3%. • Delta Dental premium increase 5.99% February 2010 4 APRIL 2010

Cigna Pre-Paid Dental/HMO • Cigna Dental is a DHMO Plan – Cigna DHMO Rates Required to use in-network providers You $22.58 only. You + $41.15 • Coverage area is limited to where Spouse network providers are located. Limited You + $51.03 providers in Savannah area. Child(ren) • There is no waiting period for any Family $60.86 covered services and no annual maximum benefits. February 2010 5

Dental Insurance – Delta Dental Delta Dental Select Plan $50 deductible per person/$150 family deductible (in- network and out-of-network) 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 6

Dental Insurance – Delta Dental Delta Dental Select Plus Plan $50 deductible per person/$150 family deductible (in- network and out-of-network) 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 7

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 8

Delta Dental Premiums - 2020 Admin fee is included in amount. February 2010 9 APRIL 2010

Vision – Blue Cross/Blue Shield of Georgia Select Plan Select Plus Plan •Eye exam and eyeglass lenses •Eye exam and eyeglass lenses every year, copayments apply every year, copayments apply •$130 allowance for Frames •$ 150 allowance for Frames every two years every year •Prescription contact lenses - To •Prescription contact lenses - To receive the full $105 allowance, receive the full $150 allowance, you must receive your exam, you must receive your exam, fitting and evaluation at a single fitting and evaluation at a single visit to the same network visit to the same network provider. provider. February 2010 10

Important Note RE: Wal- Mart/Sam’s Club providers Most Walmart/Sam’s Club are out -of-network providers Submission of the claim form below, with receipts is required to receive the in- network benefit February 2010 11

Vision Premiums - 2020 February 2010 12 APRIL 2010 Admin fee is included in amount

The Standard Company - Disability Plans Short Term Disability – 7-day wait or 30-day wait (from date of disability, until payment issued) – Covers disability up to 6 months. – 60% of pay, up to $1,000 per week, benefit salary maximum $86,684 – Consider Sick/Annual Leave Balances. – Late Entrant Penalty > 60 Day wait for disability due to disease, mental disorder, or pregnancy within first 12 months of coverage. Long Term Disability – Covers disability after 6 months. – 60% of pay, up to $5,000 per month, benefit salary maximum $100,000. – Benefits are paid after-tax, not considered taxable income when on LTD. – Benefits generally are payable until end of disability or Social Security Retirement Age. > For some conditions, benefits are only payable for two years. (Mental Disability, substance abuse, etc.) *Rates are based on employee age and salary. February 2010 13

AFLAC Critical Illness & Accident Coverage Specified / Critical Illness Plan Design Select Plan = Critical Illness Coverage, Lump Sum Benefit Select Plus Plan = Critical Illness + Accident Coverage A complete list of benefits and descriptions is available in the summary plan description. Rates are based on employee/spouse age and coverage level. Child coverage included at 50% elected benefit level, with no additional cost. February 2010 14

AFLAC Critical Illness Coverage Covered Diagnoses: Critical Illness Coverage: Heart Attack Stroke – Lump Sum Benefit paid following diagnosis. Major Organ End-Stage Transplant Renal Failure – Child coverage at no additional cost, up to Internal Coma age 26. 50% of benefit is payable for Cancer children. Severe Burns Paralysis 12-month interval with 50% benefit for 2 nd Alzheimer’s Loss of Sight, occurrence. Hearing or (25%) Speech Cancer 12-month treatment-free re-occurrence interval. 50% benefit for 2 nd occurrence. Caricnoma in Coronary situ (25%) Artery (25%) Reminder : Coverage for Spouse Specified Illness cannot exceed coverage level for Employee Specified Illness and must be same tier. February 2010 15

AFLAC Critical Illness Critical Illness Health Screening Benefits: – Receive a maximum $100 ($160 for Select Plus) for completion of any one covered screening test per calendar year. – Payable to employee and spouse, (as long as both take test) regardless of results Examples of Covered Tests Include: Stress Test (Bicycle or Blood Triglycerides Treadmill) Fasting Blood Glucose Serum Cholesterol Bone Marrow Testing Breast Ultrasound Chest X-Ray Mammography Colonoscopy Pap Smear Flexible Blood Tests for breast, ovarian, Sigmoidoscopy prostate, colon cancer, or myleomia February 2010 16

Long Term Care Insurance Long Term Care Insurance – Unum Insurance – Nursing Facility Insurance, covers some in-home care, adult day care. – Must require continual assistance with at least three activities of daily living to be considered disabled and qualifying for benefits. Employees can go to the – 90-day wait period after disability before benefits are website: unuminfo.com/sog payable. or contact Unum at – Plans offered for employees, spouses, parents, in- 1 800-227-4165 for laws, includes adoptive or step-parents. additional information – Only employee premiums taken through payroll deductions. All other premiums direct billed by Unum. – Medical Underwriting required for covered spouse, parents, or in-laws. – Medical Underwriting required for employees electing coverage for the first time, after a break in coverage, or electing a higher level of coverage. February 2010 17

Life Insurance – Met Life Employee Life, Spouse, and Child Life Employee 1x to 10x Benefit Salary; Max Coverage $2,000,000 Premiums based on age, salary, & coverage selection Spouse $6,000, $12,000, $30,000, $60,000, $100,000, $150,000, $200,000, $250,000 Premiums based on Spouse’s age and coverage level selection. Child $3,000 ($ 0.92 ), $6,000 ($ 1.14 ), $10,000 ($ 1.44 ), $15,000 ($ 1.81 ), $20,000 ($ 2.18 ) February 2010 18 APRIL 2010