Plan Year January 1 - December 31, 2018

Open Enrollment is your opportunity to make changes to your current benefits without a qualifying

IRS event. This year’s open enrollment is passive which means if you do not make any changes to

your current benefits, they will roll-over to the next calendar year (with the exception of Flexible

Spending Accounts).

October 16 - October 31

If you have questions or need clarification regarding benefits, please feel free to contact your

benefits team at benefits@palmbeachstate.edu.

Health Assessments

https://pickatime.com/

client;jsessionid=aaa2UjxdAqGdb6dNhEO7v?ven=11603995

FLORIDA BLUE HEALTH INSURANCE

Effective January 1, 2018, the PPO and HMO premiums will increase an average of 4.88%. The plan designs will

remain the same and continue to be compliant with the Affordable Care Act, providing preventative care

in-network at no cost. Please refer to the Open Enrollment webpages at www.palmbeachstate.edu for plan a

comparison.

ENROLLING AND MAKING MEDICAL INSURANCE CHANGES

All eligible employees who are making changes or adding medical will be using the FBMC Benefits Management

Center. If you are not currently participating in the HMO plan and are selecting it for 2018 or are switching to the

HMO, you will need to choose a primary care physician for you and your dependents at www.floridablue.com

under the “BlueCare” network. You will need to provide the National Provider ID# (10-digit number) of your

primary care physician in order to complete your enrollment. Children may be covered until the age of 26. In

addition Florida law allows children to be covered until age 30 if they are unmarried, have no children of their

own, reside in the State of Florida or are an out-of-state student. Dependent enrollment is pending until

documentation is verified.

In Florida, employees who are unable to afford health care premiums may be eligible for assistance through Medicaid or

PPO 2018 Total

Monthly Cost

Bargaining Unit

Employee Cost Staff Employee

Cost

Employee Only $687.00 $132.22 $96.00

Employee Spouse/Partner $1,333.00 $778.22 $742.00

Employee Child(ren) $1,136.00 $581.22 $545.00

Family $1,682.00 $1,127.22 $1,091.00

HMO 2018 Total

Monthly Cost

Bargaining Unit

Employee Cost

Staff Employee

Cost

Employee Only $591.00 $36.22 $0.00

Employee Spouse/Partner $1,191.00 $636.22 $600.00

Employee Child(ren) $974.00 $419.22 $383.00

Family $1,419.00 $864.22 $828.00

All Open Enrollment changes must be

completed online by October 31, 2017.

Full-time employees may elect group dental insurance and choose either DentalCare USA FL48N (DHMO) or Delta

Dental PPO. When choosing a dental plan, you want benefits that fit the needs of you and your family. DentalCare

USA FL48N (DHMO) and Delta Dental PPO both offer comprehensive dental coverage. Dependent children will be

covered to age 26.

Delta PPO Plan - The employee payment is based on a "percentage" for covered services; the maximum the plan

will pay for services in the calendar year is $1,000. An annual deductible is applied to services beyond diagnostic

and preventative care and there is no orthodontic benefit.

DeltaCare USA (Plan number FL48N) - Almost all services require a copayment even though some are very

inexpensive. There is no cap on services provided for the year and there is an orthodontic benefit. A dentist must

be selected from the Delta Care USA network by visiting deltadentalins.com. You must have a provider ID# for your

dentist of choice in order to complete your enrollment.

DENTAL INSURANCE

Delta Dental DPPO 2018 Total Monthly Cost Employee Monthly Cost

Employee Only $24.62 $12.67

Employee Spouse $51.72 $39.77

Employee Child(ren) $52.22 $40.27

Family $86.59 $74.64

DeltaCare USA DHMO Employee Monthly Cost 2018 Total Monthly Cost

Employee Only $0.00 $11.95

Employee Spouse $8.97 $20.92

Employee Child(ren) $13.16 $25.11

Family $23.32 $35.27

PERSONAL ELECTRONIC DEVICE INSURANCE

Provides coverage for computers, laptops, smart phones, tablets, netbooks, e-Readers and printers for loss due to

theft or accidental damage and includes Identity Theft Expense Reimbursement Protection. It is available for

purchase at: www.collegestudentinsurance.com/fl through Arthur J. Gallagher & Co. Annual premium is $90 per

policy plus a $5 processing fee.

SICK LEAVE POOL

Open Enrollment allows eligible full-time employees to apply for membership in the sick leave pool. New members

can enroll by completing the enrollment form provided in your packet. Completed forms must be submitted to the

Office of Human Resources, MS# 10 by October 31, 2017.

The Sick Leave Pool is intended to be used by eligible employees to assist in covering the gap between the

exhaustion of all accumulated paid leave and the 90 day waiting period until long-term disability insurance

benefits may become effective. You must be a full-time employee, employed with the college for one (1) year and

have accumulated 40 hours of unused sick leave after your donation to the Pool. Participation in the Pool is

voluntary. Sick leave requested from the Pool must be used for the member’s own personal illness, accident or

injury. Sick leave may not be withdrawn for the purpose of childcare or the care of other family members.

Participants who are eligible for payment under the College’s Worker’s Compensation or Disability Plans are not

eligible to receive sick leave from the Pool. Completed forms must be submitted to the Office of Human

Resources, MS 10 by October 31, 2017.

VSP Vision plan rates will not change for 2018. Visit a VSP provider to get the most out of your benefit and have lower

out-of-pocket costs. To find a VSP doctor , visit vsp.com or call (800) 877-7195. Dependent children will be covered

until age 26.

Coverage Level Employee Cost

Employee Only $5.38

Employee + Spouse $10.78

Employee + Child(ren) $11.09

Family $15.36

VISION INSURANCE

AFLAC

Employees have available two plans to choose from: Critical Care Protection-

Specified Health Event Insurance Accident Advantage - Accident Only Insurance.

Plans premiums are based on age and who is covered and are deducted on a

pre-tax basis. New enrollees please contact Patti Leonaggeo at

(561)434-4558 or pleonaggeo@bellsouth.net for information on plans and to

complete enrollment.

AFLAC (561) 434-4558

Delta Care USA (800) 422-4234

Delta Dental PPO (800) 521-2651

Flexible Spending Account (Custom Benefits, Inc.) (800) 809-8161

Florida Blue - HMO (800) 352-2583

Florida Blue - PPO (800) 255-4908

Nationwide Pet Insurance (800) 540-2016

Northwestern Mutual Long-Term Care (561) 284-8074

Personal Electronic Device Insurance (888) 411-4911

VSP Vision (800) 877-7195

Provider Directory

FLEXIBLE SPENDING ACCOUNT

Sometimes referred to as a cafeteria plan, flex plan, or a Section

125 plan, a Flexible Spending Account lets you set aside a certain

amount of your paycheck into an account before paying income

taxes. During the year, you have access to this account for

reimbursement of expenses for which you regularly pay, such as

healthcare and dependent daycare. When you use tax-free

dollars to pay for these expenses, you realize an increase in your

spending power and substantial tax savings.

Current participants must select their annual amount for 2018

through www.myflexonline.com. Please refer to the “FSA Online

Enrollment Instructions” in your Open Enrollment packet for

details on how to complete the process. If you no longer want an

active debit card, you must notify Custom Benefit Services in

writing by December 31, 2017.

New enrollees must use enclosed form which must be returned

by October 31, 2017. Debit cards will be available to those who

select and pay a minimal fee and can be ordered online after

open enrollment has ended. Flex debit cards still require receipts

if not a standard physician co-pay or pharmacy only charge. The 2018 annual maximum for medical flexible

spending is $2,600 and the annual maximum for dependent care flexible spending is $5,000.

LONG TERM CARE INSURANCE

Provided by Northwestern Mutual. Long term care insurance provides protection against the financial impact

of needing care and the freedom to arrange for care when it’s needed and where it’s needed. Jon Maples,

Financial Representative at Northwestern Mutual will meet with interested employees individually to choose a

policy that fits your individual situation. He can be reached at jon.maples@nm.com or (561) 284-8074.

Employees receive a 5% discounted group rate through the College.

The Benefits Fair is your opportunity to stop and visit with insurance carriers, vendors and your benefits team.

Those attending include representatives from our 403(b) providers, Area Agency on Aging - Medicare, Mental

Health Association of Palm Beach County, Tri-Rail commuter services, Fresh Meal Plan, Custom Benefit Services

and more. The information provided will also aid you in your selections of benefits during the Annual Benefits

Open Enrollment.

New this year, Health Assessments will be available to all fulltime benefit eligible employees during the Benefits

Fair. Please bring your Panthercard for easier check in during the event.

Light refreshments will be served. See you there!

DATE CAMPUS TIME LOCATION

10/16/17 P.B. Gardens 9:00am - 3:00pm SC127

10/17/17 Lake Worth 9:00am - 3:00pm CE119

10/18/17 Belle Glade 9:00am - 11:30am Dolly Hand Theater

10/18/17 Loxahatchee 1:30pm - 3:00pm LGA139

10/19/17 Boca Raton 9:00am - 3:00pm HT103

Benefits Fair and Health Assessments

Earn points towards the Blue Rewards Program for participating

in the Health Assessments. In addition, help the College qualify for

a monetary incentive based on the percentage of participation of

full-time benefit-eligible employees in the onsite Health

Assessment. The incentives are as follows:

35-49% participation of full-time benefit eligible employees= $ 5,000.00

50-59% participation of full-time benefit eligible employees= $10,000.00

60+% participation of full-time benefit eligible employees= $15,000.00

Palm Beach State provides an online benefits enrollment system through FBMC's Benefits

Management Center (BMC). The BMC provides benefit eligible employees the ability to make

benefit selections and changes online during open enrollment. The BMC portal is a secure

website and gateway to your personal benefits information.

The system is available through the web 24 hours a day, 7 days a week for your

convenience. It provides information about your benefit election options, premiums and plan

information so that you can make informed decisions.

Log on to https://bmc.myfbmc.com

If this is your first visit, you must register and create a username and password.

Review current benefit options and make any elections or changes.

Print out your enrollment confirmation containing all of your benefit elections including your life insurance

beneficiary designations.

Please refer to the Online Benefits Enrollment Guide for instructions on how to register, tips on how to elect your

benefits and a complete list of supporting documents for dependent status verification.

ONLINE BENEFITS MANAGEMENT CENTER

HOW DO I ENROLL MY ELIGIBLE DEPENDENTS?

You must provide your dependent’s full

legal name, date of birth, and full Social

Security Number. Please be sure you

have this information and documentation

readily available when you enroll. The

Affordable Care Act requires all

employers to report social security

numbers to the IRS for all employees/

dependents offered medical insurance.

New dependents will not be added to

plans without the required eligibility

documentation.

ACCESSING THE FBMC BENEFITS MANAGEMENT SYSTEM

DEPENDENT VERIFICATION

If adding a dependent to your health plan for the first time, you

will be required to submit verification of their eligibility during

the enrollment process. Upload your documents during your

online enrollment process. Documentation such as a marriage

certificate, birth certificate, adoption record, legal guardianship/

custody document or court order making you the legal guardian

of a child must be uploaded during the enrollment process. If

adding a spouse or domestic partner, two documents are

required. A complete listing of acceptable supporting

documentation is provided to you during the enrollment process

online at https://bmc.myfbmc.com.

403B VOLUNTARY SAVINGS PLANS

Take advantage of the college’s voluntary savings plans — 403(b). These plans can help you secure a financially-stable

retirement. All employees are eligible to participate in the 403b plans immediately upon employment. Participants are

fully vested in their contributions and earnings at all times.

Open enrollment is an excellent time to review your retirement savings and consider enrolling in a voluntary program or

increasing your current contribution. You may enroll or change your contributions at anytime of the year. The 403(b)

change form can be found on the Human Resources website.

COMPANY NAME PRODUCT CONTACT NUMBER

American Century No Load Mutual Funds No local contact (800) 345-3533

Axa Equitable Variable and Fixed Annuities Ryan McLain (BR)

Mario Basilone

Danielle Boccia

Roxanne Hosein (LW)

(561) 961-9343

(561) 226-8746

(561) 251-3228

(954) 604-7117

Fidelity No Load Mutual Funds No local contact (800) 343-0860

Voya Financial Variable and Fixed Annuities Bert Ritter (561) 432-5656

MetLife Resources Fixed Annuity and Mutual

Funds Kenneth Suchy

(800) 763-2838

(561) 371-4312

The Legend Group Mutual Funds Carlo Della Mea (LW/BR)

Greg Cecchini (PBG/BG)

(561) 889-6548

(716) 860-0934

TIAA Variable and Fixed Annuities No local contact (800) 842-2252

VALIC Variable/Fixed Annuities and

Mutual Funds Sybilla Koch (561) 325-2154