Open Enrollment 2018 BARTOW COUNTY SCHOOLS

Transcription

1 Open Enrollment 2018 BARTOW COUNTY SCHOOLS 1

2 Employee s Responsibility Visit Bartow County Schools Benefit Resource Center site: shawhankins.net/bcs Review Open Enrollment Materials Log in to SHBP and Bswiftto make elections, changes, or to decline coverages Update personal and beneficiary information Complete Enrollment via on-line enrollment system or with an enroller beginingoctober 16, 2017 through November 3 rd, 2017 Notify ShawHankins at if you have problems enrolling in BSWIFT. 2

3 New for 2018 Moving Dental coverage from Ameritas to Guardian. EAP- Employee Assistance Program included in LTD plan Current AFLAC Group plans will have some plan enhancements and slightly lower premiums Adding New AFLAC Group Universal Life with Long Term Care Rider Bartow County Schools will no longer payroll deduct for the following policies: UNUM Whole Life Individual (Old) Aflac Policies- You may keep these products via direct bill to your home. Please ask an enroller for more information regarding direct billing. Please visit Bartow County Schools Benefit Resource Center for full details on the plan changes. shawhankins.net/bcs 3

4 Enrollment Guidelines BEFORE YOU ENROLL -THINGS TO KNOW You are REQUIRED to bring a copyof the below information / documentation for all new dependents/beneficiaries: Dependents date of birth Dependents Social Security Numbers 4

5 Enrollment Portal HOW TO ENROLL Go to At this time, make sure to disable your pop up blocker At the enrollment website enter your Username and Password. Username is the first letter of your first name, last name and last four digits of your social security number. Example ( jdoe4567 ) Password is the last 4 digits of your social security number ( ex. 4567) You will then be prompted to create a new password. 5

6 Enrollment Portal From the Home Page Click on the Start Your Enrollment link, to begin the election process To choose or change your current election, select the View Plans button for the corresponding benefit. 6

7 Enrollment Portal Select the dependents you wish to cover under that particular benefit plan. Then click on the Continue button. Click on View Plan Details to see details for the corresponding plan. After making a decision, choose the appropriate tier using the drop down menu, then click the Select button under the chosen plan. 7

8 Enrollment Portal Repeat this process for all remaining benefits. Please take note that your per pay period deductions will total on the right hand side as you continue through the enrollment process. Once you have finished selecting benefits, click the Continue button on the right hand side. Make your beneficiary designations or confirm your current designations, and once finished click on the Continue button. 8

9 Enrollment Portal Review all your selections for accuracy. Once you have completed your review, click inside the box next to I agree and I m finished with my enrollment. Next click on the Complete Enrollment button. 9

10 Enrollment Portal Once you have successfully completed your enrollment, you will see the confirmation above. You will now have the option to view, print, or your benefit confirmation statement. 10

11 Dental Coverage 11

12 2018 Dental Plan Dual Option Administered by Guardian Plan Provisions Low Plan High Plan Deductible(cal. Year) Single Family Max $100 $300 $100 $300 Annual Benefit Max $1,250 $1,250 Diagnostic/Preventive Services 80% 100% Basic Treatment 60% 80% Major Treatment 50% 50% Orthodontia (Adult & Child) N/A 50%- $1,250 Benefit Max Benefit Waiting Periods : Employees and dependents, that did not enroll within 31 days of their initial eligibility, will be subject to the following late entrant waiting periods: 6 months- Basic, 12 months- all other Major Services, 24 months-ortho. 12

13 2018 Dental Payroll Deductions (12 per year) Coverage Tier Low Plan High Plan Employee $23.16 $36.48 Employee + Spouse $44.60 $70.34 Employee + Child(ren) $49.94 $88.70 Family $71.34 $ Log on to and click on Find a Doctor. Click the Locate Dental Providers link. Next, choose a specialty from the drop-down menu or select no preference and then click continue. Enter your search criteria by location or name. Guardian HelpLine:

14 Vision Coverage 20

15 2018 Vision Plan Administered by EyeMed Benefit In-Network Out-of-Network Frequency Vision Exam $10 copay Up to $32 allowance Contacts Fitting Standard Premium Contact Lenses * Elective Medically Necessary Standard Plastic Lenses Single Vision Bifocal Trifocal Frames Member cost up to $55 10% off retail price Up to $115 allowance Covered in full Coveredin full after a $25 copay Up to $100 allowance; 20% off additional cost over $100 Not covered Up to $92 allowance Up to $210 allowance Up to $25 allowance Up to $40 allowance Up to $60 allowance Up to $50 allowance Once every 12 months Once every 12 months Once every 12 months Once every 12 months Once every 24 months *Please note: This plan covers either contact lenses or lenses for your glasses once every other calendar year. 21

16 2018 Vision Payroll Deductions (12 per year) Coverage Tier Vision Employee $ 4.96 Family $

17 Flexible Spending Accounts 23

18 Flexible Spending Account Administered by WageWorks Flexible Spending Account (FSA) Unreimbursed Medical Spending Account Set aside as much as $2,600 Deductibles, co-payments, co-insurance, vision, dental May rollover up to $500 in unused healthcare FSA funds to next plan year Members will receive a debit card to use for payment of eligible expenses. Dependent Care Spending Account Up to $5,000 if head of household or are married filing joint return Or up to $2,500 if you are married filing a separate return Note: Re-enrollment is required every year on bswift. 18

19 Basic Life 19

20 Employer Paid Life Insurance Administered by Cigna Basic Life & Accidental Death and Dismemberment Employee = $15,000 Bartow County Schools provides this benefit at no cost to you. Please make sure you log into bswiftand verify or update your beneficiary. 20

21 Voluntary Term Life 21

22 Voluntary Term Life Insurance Administered by Cigna Benefit Employee Voluntary Life/AD&D Spouse Voluntary Life/AD&D Child(ren) Voluntary Life Coverage You can purchase coverage in increments of $10,000 up to a maximum of $250,000. New Hires: You will have a guarantee issue (GI) amount of $250,00. Employee elections over GI will require Evidence of Insurability. Youcan purchase coverage in increments of $5,000 to a maximum of $25,000 New Hires: You will have a guarantee issue amount of $25,000. You can purchase coverage for a flat $10,000 which covers each of your children. New Hires: You will have a guarantee issue amount of $10,000. Annual Enrollment Employee -Current participants are allowed a $10,000 increase to their current coverage amount provided your amount does not exceed the GI. 22

23 Voluntary Term Life Insurance Administered by Cigna Important Terms to Understand Evidence of Insurability:Evidence of Insurability is a request to verify good health and is often in the form of a questionnaire. This is required when you are requesting insurance that is over the guarantee issue amounts or if you are enrolling after your initial enrollment. Guarantee Issue: Guarantee Issue is the amount of life insurance that you can elect without having to provide evidence of insurability. The guaranteed issue period is 31 days from the date you first become eligible for the plan from your date of hire. If you choose not to enroll when you are first eligible and enroll at a later date, the entire amount of insurance will be subject to evidence of insurability. Please make sure you log into bswiftand verify or update your beneficiary. Age Band Monthly Rate per $1,000 for Employee and Spouse <29 $ $ $ $ $ $ $ $ $ $1.470 Child(ren) $2.00 Spouse & Child Life/AD&D Per Month Premium is $2.00 for $10,000 of coverage. 23

24 Disability Plans 24

25 Short and Long Term Disability Administered by Cigna Short Term Long Term Elimination period 14/14 or 30/30 days 180 days Benefit Duration 26 weeks after elim period SSNRA Pre-Ex None 3/12 Rates See Bswift for Age Banded Rates 25

26 Employee Assistance Program Administered by Cigna for LTD plan only Cigna provides 24/7 access to a specialist free of charge if you need someone to help you find family solutions. How do I set up an appointment for counseling? Call When you call mention the name of your employer (Bartow County Schools) and that you are using your EAP benefit. How many EAP sessions do I have? Employees have access to 3 free face-to-face visits with a Behavioral Counselor, for yourself and your household members. You can also take advantage of other services by visiting 26

27 Supplemental Benefits 27

28 ShawHankins TeleMedicine Administered by New Benefits ShawHankins Advantage $8.24 PEPM (Covers Entire Family) ShawHankins Advantage Plus $11.24 PEPM (Covers Entire Family) ShawHankins Premier $17.24 PEPM (Covers Entire Famiy) Teladoc Health Advocacy Medical Bill Saver Teladoc Health Advocacy Medical Bill Saver Nurseline Doctors Online Teladoc Health Advocacy Medical Bill Saver Nurseline Doctors Online Vision Nurseline Doctors Online Vision Pharmacy Pet Care Lab Testing MRI & CT Scans Hearing Aids Pharmacy Pet Care Lab Testing MRI & CT Scans Hearing Aids Legal Care Direct ID Sanctuary Enhanced (Family) 28

29 Group Critical Illness Administered by Aflac Critical Illness Benefits are payable for specified conditions and can help to cover the costs of your treatments and related expenses, regardless of your major medical insurance coverage. Key Features Lump Sum payment at time of Diagnosis Benefit amounts available from $5,000 to $50,000 for employee and $5,000 to $25,000 for spouse Additional Occurrence Benefits with 6 months between diagnosis date Re-Occurrence Benefit with 12 months between diagnosis (or 12 months between diagnosis and 12 months treatment free for cancer benefit) Each dependent child is automatically covered at 25% of the primary insured amount Covered Conditions include but not limited to: - Heart Attack - Cancer - Renal Failure (end stage) - Stroke - Major Organ Transplant -Coronary Artery Bypass (25%) Guarantee Issue Amount Employee - $30,000 Spouse - $15,000 All existing enrollees may increase their coverage up to the Guarantee Issue Amount at Open Enrollment without answering medical questions 29

30 Group Critical Illness Wellness Benefit Administered by AFLAC After the waiting period (30 days), an insured employee and spouse may receive a maximum of $50 for any one covered health screening test per calendar year. The benefit will be paid regardless of the results of the test. Payment of this benefit will not reduce the critical illness benefit payable under your certificate. This benefit is not paid for Dependent Children. Screening tests include, but are not limited to: Colonoscopy Mammography Pap smear Breast Ultrasound Fasting blood glucose test Serum cholesterol test PSA (blood test for prostate cancer) Chest X-ray Stress test on a bicycle or treadmill 30

31 Group Accident Plan Administered by Aflac The Aflac group Accident Advantage Plus plan benefits: *A Wellness Benefit for covered preventive screenings Transportation and Lodging benefits An Emergency Room Treatment Benefit A Rehabilitation Unit Benefit Coverage for certain serious conditions, such as coma paralysis An Accidental Death Benefit A Dismemberment Benefit Features: Coverage is guaranteed-issue (which means you may qualify for coverage without having to answer health questions). Benefits are paid directly to you unless you choose otherwise. Coverage is available for you, your spouse, and dependent children. Coverage is portable (with certain stipulations). That means you can take it with you if you change jobs or retire. Fast claims payment. Most claims are processed in about four business days. 31

32 Group Hospital Indemnity Administered by Aflac Benefit Coverage Hospital Admission (Per Confinement) Paid out First Day $ 1,000 HOSPITAL CONFINEMENT BENEFIT (up to 180 days per confinement) $250 per day HOSPITAL INTENSIVE CARE BENEFIT (30-day max for any one period of confinement) $250 per day Additional Features: Benefits are paid directly to you unless you choose otherwise. Coverage is available for you, your spouse, and dependent children. Coverage is portable. That means you can take it with you if you change jobs or retire (with certain stipulations) Fast claims payment. Most claims are processed in about four days. Late enrollees must answer health questions 32

33 Universal Life with LTC Rider Administered by Aflac What is Universal Life? Helps provide permanent financial protection and is a financial tool that helps you manage life at every stage. Builds cash value over time that you can access for life's challenges and opportunities. Guaranteed Issue: $200,000 How Does it work? With Universal Life, benefits can be paid as a Death Benefit, as Living Benefits or a combination of both. Key Features: Long Term Care, Extension of Long Term Care, Benefit Restoration, Family Coverage, Direct Payment and much more. PLEASE SIGN UP TO MEET WITH AN SHAWHANKINS BENEFITS CONSULTANT FOR FURTHER ASSISTANCE WITH AFLAC PRODUCTS, RATES AND ENROLLING! 33

34 Benefit Resource Center shawhankinsbenefits.net/bcs This site contains benefit information, informative videos on each benefit offering, links to important documents and forms, and contact information. 34

35 ShawHankinsCall Center The Call Center is available from 8:30 a.m. to 5:00 p.m. Monday through Friday to assist you. We have an afterhours voice mailbox and your call will be returned the next business day

36 Questions? 36

37 37