Annual Open Enrollment For Retiree Benefits Effective on

January 1, 2014

Brevard Public Schools Retiree Options Medicare Eligible

UHC

Medicare Parts A & B Primary

HFHP

BPS

Medicare Advantage

Medicare Parts A & B Primary

UHC

Medicare Advantage

Includes Pharmacy Medicare Supplement

BPS Secondary

Not Medicare Eligible PDP Pharmacy Plan

Includes Pharmacy

BPS Plan Primary

Open Enrollment Dates November 1, 2013

through

November 12, 2013 (for retirees)

Enrollment Is Not Mandatory This Year! Your current benefits elections will roll over to 2014

UNLESS: You are covering a spouse or dependent aged 26 to 30 You must also go online to complete an affidavit if you want to cover your spouse or a dependent child age 26-30 (even if you’ve done so before)

BPS Employee Benefits Options: BPS Health Plan Dental Vision Life Insurance

BPS Health Plan 



All pre-existing conditions are eliminated. All Retiree contributions will increase $20/month beginning January 1, 2014. (School Board contributions

increased $20/month for all enrolled employees effective July 1, 2012.)



A $150 in-network deductible has been added.   

Copayments are not subject to this deductible. Coinsurance is subject to this deductible. All medical copayments, deductibles, and coinsurance continue to apply to the annual out-of-pocket maximums.

SPOUSAL SURCHARGE FOR MEDICAL COVERAGE ONLY Will NOT apply IF your spouse:  







Is not employed. Works for an employer who does not offer medical insurance. Is an employee of Brevard Public Schools (and is not benefits eligible). Is eligible for a government-sponsored plan, such as Medicare. Elects coverage through his/her own employer and chooses to enroll in the BPS Health Plan as secondary.

SPOUSAL SURCHARGE 

Even if you have PREVIOUSLY completed an affidavit, you are required to update it while making your benefits selections in enrolling again this year.



If you are enrolling a spouse, you MUST complete an affidavit each year. 



When you enroll your spouse, the affidavit will pop up; simply answer the questions. Depending on your answers, the spousal surcharge may be waived for you.

When Does a Dependent Child’s Coverage Terminate? Federal Health Care Reform requires all Group Health Plans to extend the maximum age for dependent children to the DAY the dependent child turns 26 years of age. Florida Statute provides a qualified dependent child coverage until the END OF THE CALENDAR YEAR in which dependent child turns 30 years of age. If your dependent child is between the ages of 26 and 30 and qualifies for coverage, you must complete the Dependent Age 26 - 30 affidavit to receive coverage.

Preventive Care Services  



 

Based on age and gender List provided on benefits website “Understanding Your Preventive Health Coverage” Annual physicals, well-woman exams, mammograms, immunizations, and PSA screenings Provided at NO COST to you at in-network providers Early Detection + Treatment = A Healthier Life!

BPS Preferred Health Centers Helping to keep you covered AND for a $15 Copay!

Titusville Chiron Urgent Care, U.S. 1 near Parrish Royal Oaks Medical Center, Knox McRae Dr. Port St. John Royal Oaks Medical Center, U.S. 1 MedFast Urgent Care Center, Port St. John Parkway near I-95 Rockledge MedFast Urgent Care Center, U.S. 1 near Wuesthoff Cocoa Beach Health First NOW Urgent Care, Highway A1A MedFast Urgent Care Center, 520 Causeway at A1A Indian Harbour Beach Atlantis Urgent Care, north of Eau Gallie Boulevard Indialantic Surfside Urgent Care, 325 5th Avenue, Suite 204 Melbourne Dairy Road Urgent Care, At U.S. 192 DOCCS, Wickham Road north of Eau Gallie Boulevard MedFast Urgent Care Center, N. Wickham near Baytree Dr. MIMA Now Acute Care, Gateway Dr. at NASA Blvd. Premier Urgent Care, Wickham Road in Suntree Palm Bay/Malabar 4Care Walk-In Clinic, Malabar Rd. SE near Eldron Blvd. MedFast Urgent Care Center, 490 Centre Lake Dr., Suite 200 MIMA Now Acute Care, 730 Malabar Road Palm Bay Urgent Care, Malabar Rd. near I-95 Sebastian Indian River Walk In Clinic, near Indian River Medical Center

12

BPS Preferred Health Centers • High-quality staff • Lab work • Basic imaging services • Coordination with PCP • Evening & weekend hours

All for a $15 copay!

Where you get treatment matters - Always utilize in-network providers:  $0 copay at Quest and LabCorp for routine lab services - Remember, the cost of treatment varies based on where the service is rendered…  Outpatient facilities are generally much less expensive than hospital facilities  You can look up the cost of procedures by facility on Cigna’s website: www.MyCigna.com under the “Estimate Health Care Costs” tab and then use the “Medical Cost Estimator”

Save Money on Prescriptions  Utilize generic meds  Utilize preferred brands when a generic is not available  Cigna Home Delivery: 90-day supply for 2 copays  $4 medication lists  Free Antibiotics at retailers  Visit www.MyCigna.com

DELTACARE DHMO PLANS EMPLOYEE MONTHLY PREMIUM Tier Employee

DeltaCare USA Low

DeltaCare USA High

$ 9.31

$16.07

Employee + 1

$15.39

$29.85

Employee + 2 or More

$22.76

$43.60

DELTA DENTAL PPO PLANS EMPLOYEE MONTHLY PREMIUM Tier

Delta Low PPO

Delta High PPO

Employee

$26.69

$33.72

Employee + 1

$52.93

$67.01

Employee + 2 or More

$77.80

$98.47

Vision Plan •

We’re continuing our current vision option: •



Exam every 12 months; frames and lenses every 24 months. Premiums are now lower! Tier

Monthly Cost

Employee Only

4.92

Employee + 1

12.24

Employee + 2 or more

20.98

Vision Plan Adding an Enhanced Vision option: • •

Exam, frames, and lenses every 12 months Premiums: Tier

Monthly Rate

Employee Only

7.42

Employee + 1

18.44

Employee + 2 or more

31.62

Life Insurance Options •





BPS has changed to a new vendor: Minnesota Life. Retiree and dependent coverages remain unchanged with no increase in the premiums you pay. All beneficiaries you have designated will be transferred.

HOW TO ENROLL

You will receive your Open Enrollment packet in the mail before Open Enrollment begins. Check out the Benefits Website for detailed information about your enrollment options, including this presentation. Logon to www.easybenefits.com as often as you like between November 1st and 11:59 p.m. on November 12th. Make your selections and Submit. Watch for applicable affidavits to pop up. Be sure to print out your Informal Confirmation so you have a record of what you chose.

That’s it!

We want you to be engaged in your health and well informed about your employee benefits! Information on ALL plans and any changes is available on the District Website. Visit: http://benefits.brevardschools.org/benefits or e-mail your questions to: [email protected]