Open Enrollment Presentation Classified Staff Benefit Period: - PowerPoint PPT Presentation

Open Enrollment Presentation Classified Staff Benefit Period: October 1, 2017 – September 30, 2018 Benefit Period: October 1, 2015 – September 30, 2016

ENROLLMENT INFORMATION PL AN YEAR: October 1, 2017 to September 30, 2018 O ne - O n- O ne MEET ING S: June 28 th & June 29 th F O RMS DUE: July 31, 2017 2

EMPLOYEE BENEFIT GUIDE 3

ELIGIBILITY INFORMATION Who May E nro ll If you are a .50 FTE or above, you and your eligible dependents may participate in SLOCOE’s benefit program . If you are a .90 FTE or above, you are required to enroll. Your eligible dependents include: • Legally married spouse • Registered domestic partner • Children under the age of 26, regardless of student or marital status Whe n Yo u Can E nro ll As an eligible employee, you may enroll at the following times: • You may participate in SLOCOE’s benefits program on the first day of the month following your date of hire. If you are hired on the first of a month, you may start coverage that day. • Each year, during open enrollment • Within 30 days of a qualifying event as defined by the IRS Qualifying E ve nts I nc lude • Marriage, divorce, legal separation or annulment • Birth or adoption of a child • A qualified medical child support order • Death of a spouse or child • Loss of coverage from another health plan 4

ACA ‐ INDIVIDUAL MANDATE The Affordable Care Act (ACA) requires employees to have coverage: If you are without coverage as of March 31, you may face a penalty on your 2017 tax return. The fine will be $695 per adult and $347.50 per child or 2.5 percent of your household income, whichever is greater. Employees will receive the 1095‐C form in 2018 for their 2017 tax filing. 5

WHAT’S NEW?  There are no changes to the following plan designs: Anthem Blue Cross ‐ Medical PPOs o Delta Dental ‐ Dental PPOs o Mutual of Omaha – Life Insurance o VSP ‐ Vision o  Our rate structure is now 3‐tiered (single, 2‐party, or family).  Advance Medical has replaced Grand Rounds and will provide expert second opinions, case management and care advocate services.  SISC FSA Medical Maximum has been increased from $2,550 to $2,600 6

MEDICAL 7

MEDICAL O ption 1 O ption 2 O ption 3 O ption 4 O ption 5 O ption 6 PPO 100% D PPO 90% C PPO 90% G PPO 80% G PPO 80% M Anc ho r Bro nze In‐ Network In‐ Network In‐ Network In‐ Network In‐ Network In‐ Network He alth Be ne fits Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Deductible Ind/Fam $300 / $600 $200 / $500 $500 / $1,000 $500 / $1,000 $3,000 / $6,000 $5,000 / $10,000 Out of Pocket Maximum $1,000 / $3,000 $1,000 / $3,000 $1,000 / $3,000 $2,000 / $4,000 $4,000 / $8,000 $6,350 / $12,700 Co‐Insurance (Plan Pays) 100% 90% after Ded 90% after Ded 80% after Ded 80% after Ded 70% after Ded Office Visit Copay $20 Copay $30 Copay $20 Copay $30 Copay $40 Copay $60 Copay Hospitalization 100% after Ded 90% after Ded 90% after Ded 80% after Ded 80% after Ded 70% after Ded Lab and X‐Ray 100% after Ded 90% after Ded 90% after Ded 80% after Ded 80% after Ded 70% after Ded Emergency Services $100 + 100% after Ded $100 + 90% after Ded $100 + 90% after Ded $100 + 80% after Ded $100 + 80% after Ded $100 + 70% after Ded Retail Pharmacy ‐ Generic Formulary $9 Copay $10 Copay $9 Copay $10 Copay $15 Copay $9 Copay ‐ Brand Name $35 Copay $35 Copay $35 Copay $35 Copay $50 Copay $35 Copay 8

SISC VALUE‐ADDED BENEFITS Value Adde d Be ne fits  MDLive  Available to SISC members 24/7/365  On‐demand access to a national network of board‐certified doctors and pediatricians  Providers can diagnose, recommend treatment and prescribe medication  Get the care you need, when you need it  $5.00 per medical consultation  Office Visit Copay for behavioral health consultation 9

SISC VALUE‐ADDED BENEFITS Value Adde d Be ne fits  Advance Medical  Complex, rare, serious medical conditions  Another opinion for surgery or other treatment  Unresolved or undiagnosed medical condition  Any confusing or unclear medical situation  Dedicated Case Manager  Unlimited access to specialists, speak directly with specialists  High‐touch medical concierge  Medical record collection  No travel required for member  Correspondence of diagnoses, treatment plans  Access to private member portal 10

SISC VALUE‐ADDED BENEFITS Value Adde d Be ne fits  Anthem Employee Assistance Program (EAP)  Counseling Services—Call EAP to schedule an in‐person visit with a local provider  Confidential—Privacy is protected  Convenient—24/7 access, holidays included  Free of charge—No extra cost and no paperwork 11

SISC VALUE‐ADDED BENEFITS Value Adde d Be ne fits  Costco Free Generic Drug  Generic medications at Costco and through Costco Mail Order (excludes certain pain and cough medications).  Members take prescriptions to Costco pharmacy.  No need to be a Costco member. 12

DENTAL 13

DENTAL Optio n 1 Optio n 2 De lta De ntal De lta De ntal Pre mie r De ntal PPO De ntal (w/ Ortho ) Network Network Non‐Network Network Non‐Network De ntal Be ne fits Calendar Year Maximum Unlimited* $1,000 Unlimited* $1,000 Deductible (Annual) ‐ Individual None None $25 ‐ Family $75 Preventive (Plan Pays) 70%‐100% 70%‐100% (UCR) 100% 50% Exams, X‐Rays, Cleanings Basic Services (Plan Pays) 70%‐100% 70%‐100% (UCR) 100% 50% Fillings, Oral Surgery, Endodontics, Periodontics Major Services (Plan Pays) 70%‐100% 70%‐100% (UCR) 100% 50% Crowns, Prosthetics 50% Prosthetics 50% Prosthetics (UCR) 60% Prosthetics Orthodontia ‐ Covered Members Not Covered Children Only ‐ Coinsurance 50% ‐ Lifetime Benefit Maximum $2,000 14

VISION 15

VISION VSP PPO Plan B $15/ $25 Network Network Non‐Network Visio n Be ne fits Copay ‐ Examination $15 Copay N/A ‐ Materials $25 Copay N/A Examination 100% $35 Reimbursement Lenses ‐ Single Vision 100% $25 Reimbursement ‐ Bifocal 100% $40 Reimbursement ‐ Trifocal 100% $50 Reimbursement Frames $150 Benefit $30 Reimbursement Contact Lenses $105 Allowance $90 Allowance In Lieu of Frames and Lenses In Lieu of Frames and Lenses Laser Vision Correction Discounts Apply Not Covered Frequency ‐ Examination 12 Months ‐ Lenses 12 Months ‐ Frames 24 Months ‐ Contact Lenses 12 Months 16

BASIC LIFE AND AD&D 17

BASIC LIFE AND AD&D Be ne fits Life and AD&D Insurance Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed with the company. SLOCOE pays for coverage, offered through Mutual of Omaha , in the amount of $50,000. If your death is due to a covered accident or injury, your beneficiary will receive an additional amount through Accidental Death and Dismemberment (AD&D) coverage, for a total amount of $100,000. 18

VOLUNTARY LIFE AND AD&D 19

VOLUNTARY LIFE AND AD&D Be ne fits • Employee: increments of $10,000 up to $200,000 • Guarantee Issue: $200,000 • Spouse: if you enroll in employee coverage, spouse can elect increments of $5,000 up to $50,000 • Guarantee Issue: $50,000 • Child(ren): Flat $10,000 • Guarantee Issue: $10,000 • 100% Employee‐paid 20

CONTRIBUTIONS 21

Classified Employee Contributions 0.90 to 1.00 FTE Effective 10/1/2017 O ption 1 O ption 2 w/Premier Dental w/PPO Dental w/Premier Dental w/PPO Dental Anthe m PPO 100% D Anthe m PPO 90% C Employe e Pa ys Employe e Pa ys Single $404.62 $395.02 Single $349.42 $339.82 2‐Party $759.94 $742.18 2‐Party $655.54 $637.78 Family $901.86 $888.66 Family $759.06 $745.86 O ption 3 O ption 4 w/Premier Dental w/PPO Dental w/Premier Dental w/PPO Dental Anthe m PPO 90% G Anthe m PPO 80% G Employe e Pa ys Employe e Pa ys Single $336.22 $326.62 Single $260.62 $251.02 2‐Party $620.74 $602.98 2‐Party $477.94 $460.18 Family $703.86 $690.66 Family $505.86 $492.66 O ption 5 O ption 6 w/Premier Dental w/PPO Dental Anthe m PPO 80% M Anthe m Bronze Pla n Employe e Pa ys Employe e Pa ys Single $116.62 $107.02 Single $0.00 2‐Party $192.34 $174.58 Employee + Child(ren) $0.00 Family $300.26 $287.06 22

Classified Employee Contributions 0.75 to 0.89 FTE Effective 10/1/2017 O ption 1 O ption 2 w/Premier Dental w/PPO Dental w/Premier Dental w/PPO Dental Anthe m PPO 100% D Anthe m PPO 90% C Employe e Pa ys Employe e Pa ys Single $479.62 $470.02 Single $424.42 $414.82 2‐Party $911.44 $893.68 2‐Party $807.04 $789.28 Family $1,138.11 $1,124.91 Family $995.31 $982.11 O ption 3 O ption 4 w/Premier Dental w/PPO Dental w/Premier Dental w/PPO Dental Anthe m PPO 90% G Anthe m PPO 80% G Employe e Pa ys Employe e Pa ys Single $411.22 $401.62 Single $335.62 $326.02 2‐Party $772.24 $754.48 2‐Party $629.44 $611.68 Family $940.11 $926.91 Family $742.11 $728.91 O ption 5 O ption 6 w/Premier Dental w/PPO Dental Anthe m PPO 80% M Anthe m Bronze Pla n Employe e Pa ys Employe e Pa ys Single $191.62 $182.02 Single $47.80 2‐Party $343.84 $326.08 Employee + Child(ren) $77.50 Family $506.51 $493.31 23