Annual Enrollment for Plan Year 2014. February 2010 2 APRIL 2010 2014 Annual Enrollment Dates:...
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Transcript of Annual Enrollment for Plan Year 2014. February 2010 2 APRIL 2010 2014 Annual Enrollment Dates:...
Annual Enrollment forPlan Year 2014
February 2010 2APRIL 2010
2014 Annual Enrollment Dates:
Monday, October 21st* - Friday, November 8th**
* Opens at 1:00 a.m. EST **Closes at midnight
February 2010 3APRIL 2010
Plan Changes for AE 2014
February 2010 4APRIL 2010
Life Plans – MetLife
New! Effective January 1, 2014, Metlife will be replacing Minnesota Life as the State of Georgia’s Life Insurance provider
– Employee’s current coverage of employee/spouse/child life with Minnesota Life will be honored by Metlife
Metlife will offer two additional enhancements to the plan:
– Up to 10x Employee Life coverage
– Maximum coverage for employees will increase to $2 million
Premium rates will decrease for employee life and spouse life
Plan Design/Premium Changes for AE 2014
February 2010 5APRIL 2010
Life Plans – MetLife
For this Annual Enrollment – Employees will have the option of increasing one level of coverage without requiring Evidence of Insurability (EOI)
– Increases of more than one level will require EOI
– If Denied, the requested coverage will be approved to one level greater than the employee’s current level of coverage
Employees currently with “No coverage” can elect 1x Employee Life without Evidence of Insurability
– Increases of more than one level will require EOI
– If Denied, the employee will be guaranteed 1x coverage
Increases in coverage for Spouse Life will require EOI
Plan Design/Premium Changes for AE 2014
February 2010 6APRIL 2010
Life Plans – MetLife
Waiver of Premium to the Employee Life product will be reinstated for permanent or total disability which initiate after January 1, 2014
– Paper process for employees to complete
– Employee must initiate the process after meeting the 180 day qualifying period
– Copy of the form will be available on the Gabreeze, DOAS, and Team Georgia web sites
Plan Design/Premium Changes for AE 2014
February 2010 7APRIL 2010
Life Plans – MetLife
Additional benefits to those enrolled in the Life product
– Will Preparation
– Estate Planning
NOTE: These benefits are offered by Metlife through Hyatt Legal Services, however, this is separate from the benefits provided under the Legal Plan
Plan Design/Premium Changes for AE 2014
February 2010 8APRIL 2010
Accidental Death & Dismemberment Plan – MetLife
New! Effective January 1, 2014, Metlife will be replacing Minnesota Life as the State of Georgia’s AD&D provider
– Employee’s current coverage of AD&D with Minnesota Life will be honored by Metlife
Metlife will offer additional enhancements to the plan:
– Up to 10x AD&D coverage
– Maximum coverage for employees will increase to $2 million
– Amount payable for loss of an arm or leg will increase to 75% of coverage
Plan Design/Premium Changes for AE 2014
February 2010 9APRIL 2010
Vision – Blue Cross Blue Shield of Georgia
New! Effective January 1, 2014, BCBS of Georgia will be replacing Spectera as the State of Georgia’s vision provider
BCBS will offer two additional enhancements to the plan:
– Increased out-of-network benefit towards frames
> $130 under the Select Plan
> $150 under the Select Plus Plan
– Coverage for lenses/frames will be based on the calendar year, not once every 12 months
Decrease in premium rates
Plan Design/Premium Changes for AE 2014
February 2010 10APRIL 2010
Plan Design/Premium Changes for AE 2014Vision – BCBS of Georgia (Select Plan)
COVERED SERVICES COPAYMENTS/MAXIMUMS
Network Providers Non-Network Providers
Eye ExamLimited to one exam per Member every Calendar Year.
$10 Copayment
Reimbursed up to $40
Prescription LensesLimited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair)Single Vision lensesBifocal lensesTrifocal lensesLenticular lenses Includes:Factory scratch coatingTint (solid & gradient)Polycarbonate and Transitions Photochromic lenses (for children under age 19) not covered under non-network providersUV Coatings
$20 Copayment
Reimbursed up to $40Reimbursed up to $60Reimbursed up to $80Reimbursed up to $80
FramesLimited to one set of frames per Member every Calendar Year.
No Copayment Allowable Amount up to $130 retail allowance
Reimbursed up to $45
Prescription Contact Lenses (traditional or disposable) Non-Elective Contact Lenses(Availability once every Calendar Year.)
No Copayment Covered in full
Reimbursed up to $210
Elective Contact Lenses (Availability once every Calendar Year.)
No Copayment $105 plan allowance
Reimbursed up to $105
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 11APRIL 2010
Plan Design/Premium Changes for AE 2014Vision – BCBS of Georgia (Select Plan)
Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses for children under 19 years old, and Transitions lenses are also included for children under 19 years old as a standard benefit
Lens Options Member Cost
Retinal Imaging $39
UV Coating $15
Standard Scratch-Resistant $0
Standard Polycarbonate $0
Standard Progressive (add-on to bifocal)
Premium Tier 1
Premium Tier 2
Premium Tier 3
$65
$91
$97
$103
Standard Anti-Reflective Coating
Premium Tier 1 Anti-Reflective Coating
Premium Tier 2 Anti-Reflective Coating
$45
$57
$68
Transition lenses $75
Other Add-Ons and Services 20% discount off retail price
Additional complete pairs of 40% discount off retail price
February 2010 12APRIL 2010
COVERED SERVICES COPAYMENTS/MAXIMUMS
Network Providers Non-Network Providers
Eye ExamLimited to one exam per Member every Calendar Year.
$10 Copayment
Reimbursed up to $40
Prescription LensesLimited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair)Single Vision lensesBifocal lensesTrifocal lensesLenticular lenses Includes the following Lens optionsFactory scratch coatingTint (Solid & Gradient)Polycarbonate lensesTransitions Photochromic lensesStandard & Premium Progressive lensesStandard Anti-Reflective coating (Not Covered For Non-Network Providers)
$25 Copayment
Reimbursed up to $40Reimbursed up to $60Reimbursed up to $80Reimbursed up to $80
FramesLimited to one set of frames per Member every Calendar Year.
No Copayment Allowable Amount up to $150 retail allowance
Reimbursed up to $45
Prescription Contact Lenses (traditional or disposable) Non-Elective Contact Lenses(Availability once every Calendar Year.)
No Copayment Covered in full
Reimbursed up to $210
Elective Contact Lenses (Availability once every Calendar Year.)
No Copayment $200 plan allowance
Reimbursed up to $200
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.
Plan Design/Premium Changes for AE 2014Vision – BCBS of Georgia (Select Plus Plan)
February 2010 13APRIL 2010
Plan Design/Premium Changes for AE 2014Vision – BCBS of Georgia (Select Plus Plan)
Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses for children under 19 years old, and Transitions lenses are also included for children under 19 years old as a standard benefit
Lens Options Member Cost
Retinal Imaging $39
UV Coating $0
Standard Scratch-Resistant $0
Standard Polycarbonate $0
Standard Progressive (add-on to bifocal)
Premium Tier 1
Premium Tier 2
Premium Tier 3
$0
$0
$0
$0
Standard Anti-Reflective Coating
Premium Tier 1 Anti-Reflective Coating
Premium Tier 2 Anti-Reflective Coating
$0
$12
$23
Transition lenses $0
Other Add-Ons and Services 20% discount off retail price
Additional complete pairs of 40% discount off retail price
February 2010 14APRIL 2010
Most Walmart/Sam’s Club are out-of-network providers; completion and sub-mission of the claim form below is required to receive the in-network benefit
Important Note re: Walmart/Sam’s Club providers
February 2010 15APRIL 2010
Important Note re: Wal-Mart/Sam’s Club providers
February 2010 16APRIL 2010
Vision – BCBS of Georgia
New premium rate structure for the Select Plan
– You Only $4.54
– You + Spouse $9.49
– You + Child $9.92
– You + Family $13.37
Plan Design/Premium Changes for AE 2014
Admin fee is included in amount
February 2010 17APRIL 2010
Vision – BCBS of Georgia
New premium rate structure for the Select Plus Plan
– You Only $7.73
– You + Spouse $16.80
– You + Child $17.57
– You + Family $23.90
Plan Design/Premium Changes for AE 2014
Admin fee is included in amount
February 2010 18APRIL 2010
Disability Plans – The Standard
For Short Term Disability
– The maximum weekly amount an employee can receive will increase from $800 to $1,000
For Long Term Disability
– Rates will slightly increase
– LTD will go from a pre-tax to an after-tax structure
> Benefits received by employees who go out on LTD will no longer be considered taxable income
Plan Design/Premium Changes for AE 2014
February 2010 19APRIL 2010
Specified Illness Plans – CAIC
The automatic child benefit under Specified Illness has increased to 50% of the employee’s selected coverage amount
Employees who elect the Select Plus Plan (w/Accident Rider) will receive $160 for any qualified Health Wellness screenings
Newly added illnesses covered under the Child benefit
– Cystic Fibrosis
– Cerebral Palsy
– Cleft Lip or Cleft Palate
– Spina Bifida
Plan Design/Premium Changes for AE 2014
February 2010 20APRIL 2010
Spending Accounts– ADP
The URL for Spending Accounts will be updated to reflect the branding change from SHPS to ADP
– New URL: https://myspendingaccount.adp.com
– The old URL will remain active until the end of the year
Plan Design/Premium Changes for AE 2014
February 2010 21APRIL 2010
Spending Accounts– ADP
NOTE: There is a significant change to the FSA plans. If an employee has a current contribution for 2013, it will not automatically rollover into the new plan year.
Employees must make an election to continue contributions in the FSA plans for 2014 (Dependent Care & Health Care)
Employees will be required to make a new election amount in order to keep their Health Care and/or Dependent Care Spending Account active
The last deduction for Spending Accounts will be November 30th unless a new election for 2014 is made
Plan Design/Premium Changes for AE 2014
February 2010 22APRIL 2010
Long Term Care – Unum
Average rate increase for current and/or newly enrolled employees of 15% for PY 2014
– Increase will be based on the age coverage was locked in
Unum will issue a packet of information to currently enrolled employees on or after September 1st to explain the rate change
Employee options
– Take no action
– Decrease coverage
– Elect the Contingent Non-forfeiture Benefit (form included in packet)
Employees can go to the website: unuminfo.com/sog or contact Unum at 1 800-227-4165 for additional information
Plan Design/Premium Changes for AE 2014
February 2010 23APRIL 2010
GaBreeze Confirmation Number
Employees will receive a Confirmation Number upon successful completion of their online Annual Enrollment on the Completed Successfully page on the GaBreeze Website
Additional changes will be permitted online during the remainder of the Annual Enrollment period.
– Employees will retain the same Confirmation Number
– Date/Time Stamp will update to reflect the most recent completion
Employees should print a copy of the Confirmation Number page for their records
GaBreeze Website Reminder for AE 2014
February 2010 24APRIL 2010
Support Avenues (Employees/Participants)
Benefits Call Center
1-877-342-7339Monday – Friday, 8:00 am – 5:00 pm ET
excluding holidays
GaBreeze Website
www.gabreeze.ga.gov
Link on Team Georgia Flexible Benefits tab
February 2010 25APRIL 2010
Final Questions and Follow-ups