Open Enrollment Handbook Welcome to Open Enrollment 2014 Are you adding dependents who were not previously covered or making changes to a dependent s name, birth date or relationship? Submit proof of their eligibility to HR by 11/8/2013. Enroll using myocinfo Enroll in your benefits using myocinfo, the same system you used last year for open enrollment and currently use to apply for County jobs, change your address, and view and print your paystubs. myocinfo can be accessed from any computer that has internet access, and you can launch it directly from the Open Enrollment page of the County website (www.ocfl.net) or from the CountyLine intranet. From the County website, click on the Open Enrollment 2014 slider. From the CountyLine intranet, scroll down to HR Corner, Employee Self Service, and click on myocinfo Apply for Jobs; View/Update Your Personal Information. You must log in to myocinfo between October 7 and October 25, 2013, to submit your Open Enrollment elections. TiP Is Open Enrollment Mandatory? Do you want to receive the High Plan Contribution? Will you be enrolling in a County medical plan and want to avoid the Tobacco User Surcharge? Will you be waiving a County medical plan and want to receive the Opt-Out Credit? Do you want to elect an FSA? If you answered YES to any of the above questions, then you MUST participate in Open Enrollment and submit your elections on myocinfo.
Medical Plan Highlights Cigna - Choice Fund Open Access Plus HSA PlanHigh Deductible Health Plan (HDHP) The HDHP is made up of two parts the Medical Plan and the Employer Contribution The Medical Plan: Annual deductible, 20% coinsurance and out-of-pocket maximum Pharmacy coverage without a separate deductible Preventive care coverage of 100%, even before you reach your deductible Preventive drugs covered outside of the deductible The Employer Contribution: Helps offset the HDHP deductible Contribution based on level of medical coverage elected during Open Enrollment $750 contribution for employee only and $1,250 contribution for employee plus dependent(s) coverage Contribution can be made into a Health Savings Account (HSA) or medical Flexible Spending Account (FSA) You must open a new HSA account by October 31st, 2013 to receive the employer contribution. Cigna - Open Access Plus Plan Low Deductible Health Plan (LDHP) The LDHP is made up of two parts Co-pays and a Deductible: Preventive care covered at 100%, before you reach your deductible. You pay Co-pays for the following services: Doctor s office visits Specialist office visits Outpatient mental health/substance abuse Urgent care Prescriptions TiP You can only make changes outside of Open Enrollment if you have a qualified status change event such as marriage, birth, divorce, death, adoption, change in spouse s employment, etc., and request the changes within 60 days of the event. However, you will not be able to change between the medical or dental plan options (High Plan to Low Plan, for example) until Open Enrollment of the following year. Low Deductible Health Plan: co-payments and co-insurance contribute to the annual out -of-pocket maximum for the plan year. You pay the Co-insurance of 20% after you meet the calendar year deductible for all other medical services: Co-pays and co-insurance amounts that you pay contribute to the outof-pocket maximum Tobacco User Surcharge In response to the increasing cost of delivering employee healthcare benefits and the overwhelming evidence that tobacco use is a leading cause of serious illness, Orange County assesses a tobacco user surcharge of $25 per pay period. The surcharge is applicable only to employees enrolled in either the HDHP or LDHP. To avoid the surcharge during 2014, you must acknowledge your non-tobacco use and submit the Tobacco Certification during your online open enrollment. This can only be done when you EDIT the Medical Benefit.
2014 Medical Plan Comparison??? High Deductible Plan??? Low Deductible Plan Medical Benefit High Deductible Plan Low Deductible Plan Calendar Year Deductible (CYD) Individual/Family County Contribution Individual/Family Out-of-Pocket Maximum (OOP) Individual/Family $1,250 / $2,500 $750 / $1,250 $2,400 / $4,800 $500 / $1,000 None $1,500 / $3,000 Preventive Care $0 $0 Primary Care Visit 20% after CYD $20 Copay* Specialist Visit 20% after CYD $35 Copay* Inpatient Hospital Admission 20% after CYD Outpatient Surgery (Hospital) 20% after CYD 20% after CYD Outpatient Surgery (Non-Hospital) 20% after CYD $100 Copay* X-Ray, Lab, CT, MRI, PET, Nuclear 20% after CYD 20% after CYD Durable Medical Equipment 20% after CYD 20% after CYD Urgent Care 20% after CYD $40 Copay* Emergency Room 20% after CYD 20% after CYD Ambulance 20% after CYD 20% after CYD Rehab/Therapy 20% after CYD 20% after CYD Pharmacy Preventive Treatment (after CYD) Preventive & Treatment Tier 1 (Generic) $10* $10 $10* Tier 2 (Preferred Brand) 10% + $30* 10% + $30 10% + $30* Tier 3 (Non-Preferred Brand) 10% + $50* 10% + $50 10% + $50* * DOES NOT apply to CYD; however, DOES apply to OOP. Comparison based on in-network benefits only. Details regarding specific eligibility, coverage exclusions, definitions and other information are included in the full summary plan document.
Which Health Account Can You Have? In 2014, Orange County will again offer three different pre-tax, health-related accounts for health expenses a Health Savings Account (HSA), a Medical Flexible Spending Account (FSA), and a Limited Purpose FSA. Use the chart below to compare the three health-related accounts and determine which you are eligible to participate in. Should you wish to contribute your own pretax dollars to a health-related account, you must make that election on myocinfo during Open Enrollment. NO NO YES! TiP You CANNOT have a Medical FSA and a Limited Purpose FSA at the same time. You CANNOT have a Medical FSA and an HSA at the same time. You CAN have an HSA and a Limited Purpose FSA at the same time! In order to receive the employer and employee contributions in 2014, you must open a new HSA account with JP Morgan Chase by 10/31/13. Questions HSA Medical FSA Limited Purpose FSA Am I eligible for this account? Is there a maximum contribution amount? You are if you are on the HDHP and meet IRS criteria Yes. The 2014 maximums are $3,330 for single coverage and $6,550 for employee with dependent coverage (includes County contribution) You are if you are ineligible for an HSA Yes. The 2014 maximum contribution amount is $2,500 (excludes County contribution) You are if you do not have a Medical FSA Yes. The 2013 maximum contribution amount is $2,500 (excludes employer contribution) When are the funds Upon deposit From day one From day one available for me to use? Who owns the account? You do! Orange County Orange County How do I access the funds? Will the funds rollover to the next year? Is a mid-year deduction change allowed? What can I use the funds for? Can I receive the County Contribution to this account? With a debit card, ATM, Check or Online bill pay Yes. The account is yours and any money belongs to you Yes. A change is allowed for any reason All qualified medical, pharmacy, dental and vision expenses Yes. if you elect the HDHP on myocinfo during Open Enrollment and are eligible for HSA contributions With a debit card or submit a reimbursement request No! March 15, 2015, will be the deadline to use or lose the funds A change is not allowed unless you have a qualifying event All qualified medical, pharmacy, dental and vision expenses Yes, if you elect the HDHP on myocinfo during Open Enrollment and are ineligible for HSA contributions With a debit card or submit a reimbursement request No! March 15, 2015, will be the deadline to use or lose the funds A change is not allowed unless you have a qualifying event All qualified dental and vision expenses only. No medical or pharmacy Yes, if you elect the HDHP on myocinfo and are ineligible for both HSA and Medical FSA contributions
Do you want to receive up to $1,250 next year? The County offers two financial contributions based on your Open Enrollment elections. If you are a benefitseligible employee, you can receive a $750 or $1,250 contribution if you elect the High Deductible Health Plan (HDHP), or up to $25 per pay period if you decline both of the County s Cigna Open Access Plus medical plans. Review the information below to learn more about these contributions. High Deductible Health Plan Contribution Only for employees who select the HDHP on myocinfo during Open Enrollment Deposit amount is based on your Open Enrollment election as of 10/25/2013 (Employee Only = $750; Employee plus Dependents = $1,250) You must submit elections on myocinfo between 10/7/2013 and 10/25/2013 to receive this contribution Deposit will be made to your JP Morgan Chase Bank HSA in January 2014 if you meet HSA eligibility requirements and have an active HSA by 10/31/2013, or to an FSA if you don t qualify for an HSA Opt-Out Credit Up to $25 per pay period when you decline both of the County s Cigna Open Access Plus medical plans Can be used to offset TRICARE supplemental plan, dental, vision and/or supplemental life insurance premiums Cannot be used to cover the cost of Spouse Life Insurance, Child Life Insurance or Short- Term Disability Insurance You MUST submit elections on myocinfo between 10/7/2013 and 10/25/2013 to earn the Opt-Out Credit! In order to receive the employer and employee contributions in 2014, you must open a new HSA account with JP Morgan Chase by 10/31/13. Are you eligible for an HSA? You are eligible for an HSA if you meet the following criteria established by the IRS: You are enrolled in a High Deductible Health Plan (HDHP) You are not covered by another health plan that is NOT an HDHP You are not enrolled in Medicare or Medicaid (Parts A, B or D) You are not claimed as a dependent on someone else s tax return You are not entitled to TRICARE or TRICARE for Life You are not covered by a Medical FSA (yours or your spouse s) You have not received VA medical benefits within the past three months
TiP Normal medical underwriting rules are in effect for the 2014 Open Enrollment period Additional Employee Life Any request to elect or increase Additional Employee Life Insurance during Open Enrollment requires medical underwriting unless: 1. You have not been previously denied through medical underwriting 2. Have at least $10,000 of Additional Employee Life Insurance 3. Do not request an increase greater than $10,000 4. Your Additional Employee Life Insurance amount does not total more than $200,000 Spouse Life and Child Life Any request to elect or increase during Open Enrollment requires medical underwriting Short-Term Disability Any request to elect or reduce the STD waiting period during Open Enrollment requires medical underwriting. Other Benefits Dental -New Plan information For 2014, Cigna will be the provider. There are some changes to the Dental Plan. There is no Late Entrant Penalty for 2014 All Dental Plans covers preventive services at 100% in and out of network All three plans now feature an increase to the Annual Maximum paid by insurance of $250 per year if the insured receives at least one oral exam and one cleaning during the calendar year There is a small increase of premiums at all tiers Vision There are no plan, coverage or rate changes in the Vision Plan for 2014. Life Insurance Basic Life Insurance equal to your annual salary will continue to be paid for by the County. If you are interested in Additional Life Insurance, you will be happy to know that there are no rate changes to the Additional Life Insurance, Spouse Life Insurance or Child Life Insurance for 2014! Disability The County will continue to provide Long-Term Disability Insurance for all benefits eligible employees in 2014. Long-Term Disability Insurance has a 180-day waiting period, so if you wish to reduce your waiting period, you should purchase Short-Term Disability Benefits. Short-Term Disability rates are unchanged for 2014 and your buy-down options will be shown on myocinfo during open enrollment. Dependent Care Flexible Spending Account If you wish to contribute pre-tax dollars into a Dependent Care Flexible Spending Account in 2014, be sure to make your election on myocinfo during open enrollment. Current deductions for this benefit DO NOT roll over from year to year. The annual maximum contribution to a Dependent Care Flexible Spending Account is $5,000. This limit is not related to any of your other HSA or FSA contributions. *For full plan information on these benefit offerings, please refer to the 2014 Benefits Handbook which will be available via the County s website and the CountyLine Intranet during Open Enrollment. If you presently carry Child Life Insurance, please be advised of the eligibility requirements. Child Life Insurance is only available to your unmarried children through age 20 (through age 24 if a full-time student), your unmarried stepchildren or the children of your domestic partner through age 20 if living with you (through age 24 if a full-time student), and your unmarried disabled children of any age. Please contact your HR Representative for more information and clarification of eligibility requirements. Benefits TiP
Benefits Fairs Need more information? Do you have a question about a particular benefit? Who better to ask than the benefits providers themselves? Attend a Benefits Fair and meet the representatives from our medical, prescription, dental, vision, HSA, FSA, Life and Disability, and Deferred Comp providers, as well as Orange County Parks, Wellness and Benefits! Date Location Time Wednesday October 2 Wednesday October 2 Thursday October 3 Thursday October 3 Friday October 4 Wednesday October 9 Wednesday October 9 Thursday October 10 Friday October 11 Public Works 4200 S. John Young Pkwy 1st Floor Training Room Corrections 3723 Vision Blvd. Horizon 3 Fire Headquarters 6590 Amory Court, Winter Park 1st Floor, Room 110 Utilities Admin Building 9150 Curry Ford Road 1st Floor Training Room Corrections 3723 Vision Blvd. Horizon 3 IOC 1 (HR Building) 450 E. South Street 1st Floor, Largo Health and Family Services 2010 E. Michigan Street Facilities Management Training Room Convention Center 9800 International Drive W203 Fire Headquarters 6590 Amory Court, Winter Park 1st Floor, Room 110 1:00 pm 4:00 pm 6:00 am 9:00 am 5:00 pm 8:00 pm 1:30 pm 4:30 pm 8:00 am 11:00 am 6:00 am 9:00 am 5:00 pm 8:00 pm 8:00 am 11:00 am 1:00 pm 4:00 pm 1:00 pm 4:00 pm 8:00 am 11:00 am
Plan Premiums 2014 Wellness for Life Plan Type and Coverage Level Premium Employee Contribution County Contribution Medical Premiums HDHP Employee only $229.53 $0.00 $229.53 HDHP Employee + spouse $505.30 $77.00 $428.30 HDHP Employee + child(ren) $465.92 $70.00 $395.92 HDHP Employee + family $686.36 $155.00 $531.36 LDHP Employee only $246.15 $10.00 $236.15 LDHP Employee + spouse $523.50 $89.50 $434.00 LDHP Employee + child(ren) $486.72 $82.50 $404.22 LDHP Employee + family $708.81 $170.00 $538.81 TRICARE Supplement Premiums Employee only $31.15 $31.15 $0 Employee + spouse $61.15 $61.15 $0 Employee + child(ren) $61.15 $61.15 $0 Employee + family $82.38 $82.38 $0 Dental Premiums Low Employee only $4.68 $4.68 $0 Low Employee + 1 $9.53 $9.53 $0 Low Employee + 2 or more $17.42 $17.42 $0 Middle Employee only $8.14 $8.14 $0 Middle Employee + 1 $16.87 $16.87 $0 Middle Employee + 2 or more $31.72 $31.72 $0 High Employee only $13.26 $13.26 $0 High Employee +1 $27.01 $27.01 $0 High Employee + 2 or more $49.08 $49.08 $0 Vision Premiums Employee only $2.34 $2.34 $0 Employee + 1 $4.69 $4.69 $0 Employee + 2 or more $6.89 $6.89 $0 All Premiums are Bi-Weekly
2014 Wellness for Life Plan Premiums Plan Type and Coverage Level Premium Employee Contribution County Contribution Employee Additional Life/AD&D and Spouse Life/AD&D Premiums* (Per $10,000 of coverage) Age as of 1/1/2014: Under 30 $0.42 $0.42 $0 30-34 $0.51 $0.51 $0 35-39 $0.78 $0.78 $0 40-44 $1.20 $1.20 $0 45-49 $1.71 $1.71 $0 50-54 $2.54 $2.54 $0 55-59 $2.91 $2.91 $0 60-64 $3.65 $3.65 $0 65-69** $7.20 $7.20 $0 70 & up** $14.31 $14.31 $0 * AD&D premiums are included with Additional Life and Spouse Life premiums **Age reductions apply Child Life Insurance Premiums $5,000 per eligible child $0.16 $0.16 $0 $10,000 per eligible child $0.32 $0.32 $0 Employee contribution includes all eligible children Short-Term Disability Premiums 120 calendar day waiting period $0.042 $0.042 $0 90 calendar day waiting period $0.060 $0.060 $0 60 calendar day waiting period $0.106 $0.106 $0 30 calendar day waiting period $0.139 $0.139 $0 15 calendar day waiting period $0.162 $0.162 $0 Formula for calculating Short-Term Disability bi-weekly premium: 1. Divide your gross annual salary by 52 (this gives you your weekly gross salary). 2. Multiply your gross weekly salary by 60%. 3. Divide that number by 10. 4. Multiply that number by the rate shown above for the STD waiting period you selected to get your bi-weekly premium. All Premiums are Bi-Weekly
Need Help Enrolling? I f you need help submitting your Open Enrollment elections on myocinfo, find an assistance session near you. Unless otherwise specified below, assistance sessions are open to all County employees. Appointments are not necessary. If you have questions or prefer a scheduled time, please contact your department HR Representative. Convention Center - 407-685-5799 9899 International Drive, Room S212 Employee Services Office Each day of Open Enrollment: 9:00 am to 4:00 pm Appointments are preferred. Parks and Recreation - 407-836-6200 Barnett Park, 4801 W. Colonial Dr., 1st Floor, Art Room 10/11: 7:30 am to Noon 10/18: 1:30 pm to 6:00 pm 10/25: 7:30 am to Noon Corrections - 407-836-3476 3723 Vision Road Horizon Building (Corrections staff only) 10/09 and 10/10: 8:00 am to Noon 10/16 and 10/17: 3:30 pm to 8:00 pm Cassidy Building Public Works - 407-836-7741 4200 S. John Young Pkwy, 2nd Floor, Computer Room 10/08 & 10/10: 7:30 am to 11:00 am 10/22 & 10/24: 7:30 am to 11:00 am Each day of Open Enrollment: 7:00 am to 5:00 pm Family Services & Health Services 407-836-9322 or 407-836-9368 2100 E. Michigan Street, HR 1st floor Each Day of Open Enrollment: 8:00 am to 4:00 pm Fire Headquarters - 407-836-9005 6590 Amory Court, Room 110 10/07, 10/9, 10/11, 10/16, 10/17, 10/18/, 10/21, 10/23 and 10/25: 8:00 am to Noon All other days 9:00 am to Noon OC I (HR Building) - 407-836-5823 or 407-836-5968 450 E South Street, 1st Floor 10/07: 1:00 pm to 4:00 pm 10/11: 8:00 am to Noon 10/15: 8:00 am to Noon 10/23: 8:00 am to Noon 10/25: 8:00 am to 4:30pm Solid Waste (Landfill) - 407-254-9652 5901 Young Pine Road, Room C/D/E 10/7: 7:30 am to 11:30 am 10/14: 12:30 pm to 4:00 pm 10/21: 7:30 am to 11:30 am Utilities Administration - 407-254-9652 9150 Curry Ford Road, 2nd Floor Computer Lab 10/10: 7:30 am to 11:30 am 10/15: 12:30 pm to 4:00 pm 10/24: 7:30 am to 11:30 am Water Reclamation/Field Services/Water 407-254-9652 4760 Sandlake Road, Maxlab 1 (Utilities staff only) 10/9: 7:30 am to 11:30 am 10/16: 12:30 pm to 4:00 pm 10/23: 7:30 am to 11:30 am Orange County Administration Center 407-836-5478 201 S. Rosalind Avenue, CEDS HR Office 2nd Floor 10/8, 10/15, 10/16, 10/22 and 10/25: 9:00 am to 4:00 pm Closed from Noon to 1:00 pm
Open Enrollment 2014 Online Enrollment Worksheet Complete this worksheet and use it when you enroll in your benefits using myocinfo. IMPORTANT INFORMATION: Open Enrollment begins on Monday, October 7, 2013, and ends on Friday, October 25, 2013 You must submit your elections online to avoid the Tobacco User Surcharge, receive the Opt-Out Credit, receive the Employer contribution to the HDHP, or re-enroll in a Flexible Spending Account Dependent dates of birth and Social Security Numbers are required Proof of dependent eligibility must be submitted to HR by November 8, 2013 myocinfo User ID: Medical Plan (You must EDIT this benefit to affirm Tobacco Usage) Select one of the following plans: q High Deduct Health Plan B-T q Low Deduct Health Plan B-T Enroll Your Dependents: q Spouse DOB: SSN: Dental Plan Select one of the following plans: q BCC Dental Low B-T q BCC Dental Middle B-T q BCC Dental High B-T Enroll Your Dependents: q Spouse DOB: SSN: Vision Plan q BCC Vision Care Plan B-T Enroll Your Dependents: q Spouse DOB: SSN: Supplemental Life q BCC Supplemental Life Coverage Level: Password: Dependent Life Child (Medical Underwriting Required) (Eligibility requirements for children through age 20) q BCC Child Life Coverage Level: Dependent Life Spouse (Medical Underwriting Required) q BCC Spouse Life Coverage Level: Short-Term Disability (Medical Underwriting Required) Select one of the following options: q BCC Short Term Disability 120 Day q BCC Short Term Disability 90 Day q BCC Short Term Disability 60 Day q BCC Short Term Disability 30 Day q BCC Short Term Disability 15 Day Flex Spending Health q Medical FSA Annual Pledge: q Limited Purpose FSA Annual Pledge: Flex Spending Dependent Care q Dependent Care FSA Annual Pledge: Health Savings Account (Must open by 10/31/2013) q HSA Employer Contribution Only q HSA Employee & Employer Contribution Annual Contribution Amount: - You are enrolling in the HDHP and want to receive the County contribution in an FSA
1 2 3 4 5 6 7 8 9 10 11 2014 Mandatory Open Enrollment What Do You Need to Do? Review Your Current Benefits Take a few minutes to review your current benefits and covered dependents on myocinfo so you are better prepared to make any needed changes during Open Enrollment Review the Open Enrollment Resources Visit www.ocfl.net and click on the Open Enrollment slider to review and download resources that will help you complete your 2014 benefits enrollment. Attend a Benefits Fair Do you have a question about a particular benefit? Who better to ask than the benefits vendors themselves? Attend a Benefits Fair and meet the providers! Fairs will be held at numerous locations throughout the County from 10/2/2013 through the 10/11/2013. Complete the Online Enrollment Worksheet The Online Enrollment Worksheet will help you to plan ahead and gather the information you will need to complete your enrollment online. The Worksheet is available in this handbook as well as online. Attend an Enrollment Assistance Session Do you need help completing your enrollment online? Attend an assistance session with HR and get hands-on help with making your 2014 benefits elections online. Refer to the list of assistance sessions in this handbook or contact your HR representative for a location near you. Log in to myocinfo To enroll in your benefits, you must first log in to myocinfo. This is the same system that you use to view and print your paystubs, apply for County jobs, etc. Use your normal user ID and password to log in. You can launch myocinfo directly from the homepage of the Orange County website or from the CountyLine Intranet. Receive the HDHP County Contribution ($750/$1,250) If you elect the High Deductible Health Plan, you will receive a contribution from the County. To receive the County contribution, you must verify HSA eligibility and elect either the HSA or FSA deposit on myocinfo between 10/7/2013 and 10/25/2013. Submit Your Elections You must click the Submit button to send your final enrollment choices and receive the County contribution or Opt-Out Credit, and to avoid the Tobacco User Surcharge. Review and Print Your Enrollment Elections Summary After submitting your elections on myocinfo, be sure to print your Enrollment Elections Summary page. Review it to make sure you didn t make any mistakes and keep it in a safe place with all of your other important records. No corrections or changes will be made once Open Enrollment ends on 10/25/2013. Open a Health Savings Account Do you need to open an HSA? A link through Cigna s website to the JP Morgan Chase website is available on the Open Enrollment page of the County internet. Open your HSA no later than 10/31/2013. Submit Proof of Dependent Eligibility Are you adding dependents who were not previously covered or making changes to a dependent s name, birth date or relationship? Submit proof of their eligibility to HR by 11/8/2013.