Daytona State College Open Enrollment for 2019 Agenda Welcome - PowerPoint PPT Presentation

Daytona State College Open Enrollment for 2019

Agenda Welcome – Summary of Benefits Package Review of Medical Benefits Florida Blue – Edith Hodges Florida Health Care Plans – David Miller Review of Dental Benefits – Delta Dental – John Massie Review of Vision Benefits – VSP Open Enrollment Tips & Reminders

This Year – Where Are We? Medical Plan Coverage • Florida Health Care Plans (HMO) and Florida Blue Plans (PPO) have minimal changes to overall plan structure. • Added a High-Deductible Health Savings Account coupled with a Florida Blue PPO Plan • Premiums will be less than the regular PPO’s, but there are no co-pays, only co-insurance • Information on this plan is available on the Employee Benefits website

This Year – Where Are We? Medical Plan Coverage • Rates increased for 2019 • College again increased their contribution commitment for 2019 to help reduce the premium increase to employees • For employee only coverage (61% of employees), the employee share increased from minimum of $0.76 per month (HMO) to max of $4.76 per month (PPO).

This Year – Where Are We? Dental Plans • Dental PPO premiums decreased by 11.5% and these rates are locked in until 12/31/2020 • Annual Plan Year Max for Opt #2 increased to $1500 / year / member • DeltaCare HMO premiums decreased by 2% Vision Plan • No changes to rates or benefits • Vision premiums are locked in until 12/31/2020

Life Insurance No Changes to the rates or benefit levels. The College pays for two times your annual base salary up to a maximum benefit of $500,000 For example: If your annual base salary is $40,000, then the value of your Basic Life insurance policy is $80,000 . You may purchase an additional policy up to three times your base salary, not to exceed a maximum benefit of $500,000 If you purchase an additional policy, you may also purchase a spouse life and/or a dependent life policy. Please be advised, if you elect to add or increase your Supplemental (self), Spouse or Dependent Life during Open Enrollment, you will be required by UNUM to complete a medical questionnaire (EOI). The Employee Benefits Department will contact you if this form is needed and advise you after completion of approval or denial by UNUM. Deductions will not begin until approval is received.

Long Term Disability The College provides Long Term Disability coverage and pays 100% of the cost for this benefit. Long Term Disability coverage is pay check insurance. This benefit begins if you become totally and permanently disabled and are no longer able to work, ensuring that your income continues.

Flexible Spending Accounts Types of Accounts Healthcare Reimbursement Account – Medical, Dental, Vision & Rx Maximum contribution - $2,500/year Child/Dependent Care Reimbursement Account – Day Care Maximum contribution - $5,000/year Two Reimbursement Options Debit Card OR Submit claims to Health Equity for direct deposit NOTE: Paper checks will be available; however, a fee of $2.00/check will automatically be withheld from the reimbursed amount Reminder: If you enroll in the HD-HSA, you cannot enroll in the Healthcare Reimbursement Account.

Introducing Florida Blue Edith Hodges

Florida Blue PPO Plans Features & Benefits • Access to over 44,000+ providers in Florida; 817,000+ nationally • Access to 200+ countries Worldwide • Local hospitals in-network Option 1 • Bert Fish Medical Center in-network Option 2 • Emergency covered worldwide • FloridaBlue.com – find providers, view claims, benefit info, member handbook, order new ID Cards • Nurse Advice Hotline (24/365) – 877-789-2583 • Dedicated Case & Disease Management

Florida Blue - Access to Care Brevard, Flagler and Volusia Counties FLAGLER BREVARD BlueOptions BlueOptions Hospitals 1 Hospitals 7 PCPs 39 PCPs 308 Specialists 49 Specialists 473 Florida Hospital - Flagler Wuesthoff Hospital - Rockledge Wuesthoff Medical – Melbourne Cape Canaveral Hospital Holmes Regional Medical Center VOLUSIA BlueOptions Palm Bay Hospital Hospitals 6 Parrish Medical Center Viera Hospital PCPs 284 Specialists 264 Space Coast Area KEY PROVIDER GROUPS: Florida Hospital – Oceanside • Brevard Medical Group Florida Memorial Hospital - Daytona • Coastal Cardiovascular and Thoracic Halifax Medical Center • Healthcare Partners of Memorial Halifax Hospital Port Orange • Medical Associates of Brevard Bert Fish Medical Center (Option 2) • Melbourne Internal Medicine Associates Florida Hospital – DeLand • Memorial Physicians Florida Hospital – Fish Memorial • Omni Healthcare • Osler Medical Mayo Clinic Shands all locations (Option 2) • Quality Medical Care All Florida Hospital System locations • Royal Oaks Medical Center Cleveland Clinic

Florida Blue PPO Plans BlueOptions BlueOptions High Deductible Benefit 03559 03769 Health Savings Account Person / Family Person / Family Employee Only Emp.+1 / or more Deductible $600 / $1,800 $600 / $1,800 $1,500 $3,000 Person / Family Person / Family Out-of-Pocket Employee Only Emp.+1 / or more Maximum $4,500 $6,850 / $9,000 $6,000 / $12,000 $6,000 / $12,000 Primary Care Visit $30 copay $30 copay Deductible + 20% Deductible + 20% Specialist Visit $50 copay $50 copay Deductible + 20% Deductible + 20% Preventative Care No Charge No Charge No Charge No Charge

Florida Blue PPO Plans BlueOptions High Deductible Benefit BlueOptions 03769 03559 Health Savings Account Diagnostic Tests $30 / $50 $30 / $50 DED + 20% DED + 20% Physician Office $0 (Quest only) $0 (Quest only) DED + 20% DED + 20% Independent Clinical Lab $50 Independent Diagnostic DED + 20% DED + 20% DED + 20% Testing Center (Adv Img-Ded+20%) $150 Opt 1 DED+20% Opt 1 DED+20% Option1 DED+20% Option1 Outpatient Hospital $250 Opt 2 DED+20% Opt 2 DED+25% Option 2 DED+25% Option 2 ER (Facility) $100 + 20% DED + 20% DED + 20% DED + 20% DED + 20% DED + 20% ER (Physician) DED + 20% $100 Urgent Care $50 $65 DED + 20% DED + 20% $750 Option 1 $1,000 Option 1 DED+20% Option1 DED+20% Option1 Inpatient Hospital Stay $1,500 Option 2 $2,000 Option 2 DED+25% Option 2 DED+25% Option 2 NOTE: Actual cost share amounts are based on location of service

Florida Blue PPO Plans Prescription Drug BlueOptions BlueOptions High Deductible Coverage 03559 03769 Health Savings Account Integrated Integrated $15 copay $15 copay Generic Deductible Deductible Integrated Integrated $60 copay $45 copay Brand Deductible Deductible Integrated Integrated $100 copay $65 copay Non-preferred Brand Deductible Deductible 25% Integrated Integrated $100 copay Specialty Pharmacy (member out of pocket max up Deductible Deductible to $250 per month per Rx) Integrated Integrated Mail Order 2 x Retail Copay 2 x Retail Copay Deductible Deductible (Up to 90 days supply)

Florida Blue PPO Plans

Florida Blue PPO Plans Pharmacy Changes • To help lower costs and save you money, we’re changing our pharmacy network in the new benefit year. • Starting 01/01/2019 your network pharmacy will feature Walgreens. You’ll find Walgreens has lower prices on many prescriptions. • CVS-owned pharmacies will not be in your pharmacy network in the new benefit year. (Target) • If you have current Rx’s at CVS, be sure to move them by 01/01/2019 to Walgreens or another in-network pharmacy, like Publix, Winn Dixie, or Walmart. You can view a list of in-network pharmacies at floridablue.com/Performance Pharmacy.

Florida Blue PPO Plans Moving your prescriptions Switching is easy: 1. Call or stop by your local Walgreens or other in-network pharmacy and tell the pharmacist your want to move your prescriptions from another pharmacy. They’ll help you make the switch. 2. Using the free Walgreens mobile app on your smartphone , take a picture of your prescription label and send it to your nearest Walgreens. If you continue to use an out-of-network pharmacy after 01/01/2019, you’ll experience higher out-of-pocket costs. • You’ll pay the full price of your medication out of your pocket, if you don’t have out-of-network pharmacy benefits. • If you have out-of-network pharmacy benefits, you’ll pay the full price of your medication and then can file a claim for reimbursement. Your claim will be reimbursed based on out-of-network benefits.

Specialty Pharmacy Medications Open Formulary Specialty Pharmacy medications are high-cost injectable, infused, oral or inhaled medications that generally require close supervision and monitoring of the patient’s therapy. Self-Administered Specialty Medication & Provider-Administer Specialty Medications listings are links in the Medication Guide . Participating Specialty Pharmacy Providers Many specialty drugs require a Prior Authorization and must be purchased from our Specialty Pharmacies: Caremark Specialty Pharmacy Services Prime Therapeutics Specialty Pharmacy All Products (Prime Specialty Pharmacy) Phone: 1-866-278-5108 Phone: 1-877-627-6337 Caremark Hemophilia Services TLCRx Specialty Pharmacy Phone: 1-866-792-2731 Phone: 1-855-274-1694 Note : Any other pharmacy is considered a non-participating Specialty Pharmacy even if it participates in Florida Blue’s networks for non-Specialty Pharmacy medications.