Annual Enrollment for Plan Year 2018 2018 Annual Enrollment Georgia - PowerPoint PPT Presentation

Annual Enrollment for Plan Year 2018

2018 Annual Enrollment Georgia Breeze Website: Opens: Monday, October 16 th 12:00AM Closes: Friday, November 3 rd 11:59PM * Benefits elected are effective January 1, 2018 February 2010 2 APRIL 2010

Summary of Plan Changes for 2018 • BlueCross BlueShield-BlueVision  Select Plan: 25% increase; no plan changes  Select Plus Plan: increase of co-pays by tiers for progressive lens & transitional lens; the contact allowance changed to $150 • Aflac Critical Illness Insurance  8% rate increase  Plan change at the 12 month interval and a 50% benefit for the 2 nd occurrence February 2010 3 APRIL 2010

Summary of Plan Changes for 2018 • Unum-Long Term Care  Rates will increase by 9.9% • ADP Flexible Spending Account  WageWorks: New name, same website www.myspendingaccount.adp  Limit increase to $2,560 February 2010 4 APRIL 2010

Vision – Blue Cross/Blue Shield of Georgia – Select Plan COVERED SERVICES COPAYMENTS/MAXIMUMS Network Providers Non-Network Providers Eye Exam Limited to one exam per Member every Calendar Year. $10 Copayment Reimbursed up to $40 Prescription Lenses Limited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair) $20 Copayment  Single Vision lenses Reimbursed up to $40  Lined Bifocal lenses Reimbursed up to $60  Lined Trifocal lenses Reimbursed up to $80  Lenticular lenses Reimbursed up to $80 Eyeglass Lens enhancements may be added $0 Copayment No reimbursement on enhancements Frames Limited to one set of frames per Member every 24 Months. Allowable Amount up to $130 retail allowance, 20% off remaining balance $45 Prescription Contact Lenses Every 12 months in place of eyeglasses $20 Copayment Reimbursed up to $105 (traditional or disposable)  Non-Elective Contact Lenses Covered in full Reimbursed up to $210 (Availability once every Calendar Year.)  Elective Contact Lenses $105 plan allowance on conventional, (Availability once every Calendar Year.) 15% off any remaining balance. Reimbursed up to $105 $105 plan allowance on disposables up to 4 boxes. 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 5 APRIL 2010

Vision – Blue Cross/Blue Shield of Georgia - Select Plus Plan COVERED SERVICES COPAYMENTS/MAXIMUMS Network Providers Non-Network Providers Eye Exam Limited to one exam per Member every Calendar Year. $20 Copayment Reimbursed up to $40 Prescription Lenses Limited to one set of lenses per Member every Calendar Year. Basic Lenses in Standard Plastic (Pair) $25 Copayment Reimbursed up to $40  Single Vision lenses Reimbursed up to $60  Lined Bifocal lenses Reimbursed up to $80  Lined Trifocal lenses Reimbursed up to $80  Lenticular lenses Includes the following Lens options No allowance on lens enhancements $0 Copayment  Factory scratch coating  Tint (Solid & Gradient)  Polycarbonate lenses (for a child under age 19)  Transitions Photochromic lenses (for a child under age 19) Frames Limited to one set of frames per Member every Calendar Year. No Copayment Reimbursed up to $45 Allowable Amount up to $150 retail allowance Prescription Contact Lenses (traditional or disposable) No Copayment  Non-Elective Contact Lenses (Availability once every Calendar Year.) Covered in full Reimbursed up to $210  Elective Contact Lenses Reimbursed up to $150, 15% off any (Availability once every Calendar Year.) remaining balance on Conventional Lenses Reimbursed up to $150 Reimbursed up to $150 on Disposable Lenses 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 6 APRIL 2010

Important Note RE: Wal-mart/Sam’s Club providers Most Walmart/Sam’s Club are out-of-network providers; completion and submission of the claim form below is required to receive the in-network benefit February 2010 7 APRIL 2010

Vision Premiums - 2018 BCBS of Georgia – Select BCBS of Georgia – Select Plan Premiums Plus Plan Premiums – You Only $5.50 – You Only $9.49 – You + Spouse $11.69 – You + Spouse $20.83 – You + Child $12.23 – You + Child $21.79 – You + Family $16.54 – You + Family $29.70 February 2010 8 Admin fee is included in amount APRIL 2010

AFLAC Specified Critical Illness 2018 Specified / Critical Illness Plan Design 8% rate Select Plan = Illness Coverage increase Select Plus Plan = Illness + Accident Coverage Benefits included under the Accident Coverage (Select Plus Plan) – Medical Fees ( Physician Charges, X-Rays, Emergency Room Services and Supplies ) – Hospital Fees ( Hospital Admission, Daily Hospital Confinement and Intensive Care ) – Accidental Injuries ( Fractures/Dislocations, Lacerations, Tendons/Ligaments, Ruptured Disk, Torn Knee Cartilage, Burns, Eye Injuries) Accident Follow-up Benefits ( Physical Therapy, In-patient Rehab, Follow-up treatments) – – Additional Benefits ( Family Lodging, Transportation, Gunshot Wound, Paralysis, Prosthesis) A complete list of benefits and descriptions is available in the summary plan description. Coverage available up to $50,000; no medical underwriting for <$30,000. Rates are based on employee/spouse age and coverage level. Child coverage at no additional cost. February 2010 9 APRIL 2010

AFLAC Specified Critical Illness 2018 Specified Critical Illness Covered Diagnoses: Heart Attack Stroke – Lump Sum Benefit paid following diagnosis. Major Organ End-Stage – Child coverage at no additional cost, up to Transplant Renal age 26. 50% of benefit is payable for Failure children. Internal Coma 12-month interval with 50% benefit for 2 nd Cancer occurrence. Severe Paralysis Cancer 12-month treatment-free re-occurrence Burns interval. 50% benefit for 2 nd occurrence. Loss of Alzheimer’s Reminder : Coverage for Spouse Specified Sight, (25%) Illness cannot exceed coverage level for Hearing or Employee Specified Illness and cannot be of a Speech different plan ( e.g. Employee Select and Caricnoma Coronary Spouse Select Plus ) in situ (25%) Artery (25%) February 2010 10 APRIL 2010

AFLAC Specified Critical Illness 2018 Specified / Critical Illness Plans Design Continues… Health Screening Benefits – Receive a maximum $100 ($160 for Select Plus) for completion of any one covered screening test per calendar year. – Payable to employee and spouse, (as long as both take test) regardless of results Examples of Covered Tests Include: Stress Test (Bicycle or Treadmill) Blood Triglycerides Fasting Blood Glucose Serum Cholesterol Bone Marrow Testing Breast Ultrasound Chest X-Ray Mammography Colonoscopy Pap Smear Flexible Sigmoidoscopy Blood Tests for breast, ovarian, prostate, colon cancer, or myleomia February 2010 11 APRIL 2010

Long Term Care Insurance - 2018 Long Term Care Insurance – Unum Insurance – Nursing Facility/Nursing-Home Insurance, covers some in-home care. – Must require continual assistance with at least three activities of daily living to be considered disabled and qualifying for benefits. – 90-day wait period after disability before benefits are payable. – Plans offered for employees, spouses, parents, in- Employees can go to the laws, includes adoptive or step-parents. website: unuminfo.com/sog – Only employee premiums taken through payroll or contact Unum at deductions. All other premiums direct billed by Unum. 1 800-227-4165 for additional information – Medical Underwriting required for covered spouse, parents, or in-laws. 9.9% Rate – Medical Underwriting required for employees electing coverage for the first time, after a break in Increase coverage, or electing a higher level of coverage. February 2010 12 APRIL 2010

Flexible Healthcare Spending Account – 2018 Website Update New Name for FSA: • ADP site not changing • New users will be advised that a security code will be emailed to them within 5 minutes. The State of Georgia’s security code is STATEOFGE-10029 • This code is the same for all users, and will never change. • New cards issued to new users and existing users with expiring ADP cards. February 2010 13 APRIL 2010

Flexible Healthcare Spending Account – 2018 Plan cont’d • FSA Healthcare limit will increase to $2,560 ( $50 from PY2017) • Minimum annual contribution remains $120 • Contributions must be re-elected each year, they do not rollover. • Once you enroll in a FSA you may not cancel during the plan year. February 2010 14 APRIL 2010

Flexible Healthcare Spending Account Healthcare Spending Account - WageWorks – Set aside pre-tax money to use for healthcare expenses. – Maximum amount $2,560 ($213.33/month) can be set aside per year. – Money is “Use or Lose” > You have until March 15, 2019 to use money placed in your 2018 spending account. – Entire amount is available the first day of the year. – Visa debit card available for purchases, but keep your receipts! – Qualifying expenses include: prescriptions, contact lenses/glasses, eye surgery, procedures/surgeries not covered by insurance, health insurance co-insurance. – Excluded expenses include: over the counter drugs, electrolysis, vitamins/herbal supplements, hair transplants, nicotine patches or gum, teeth whitening. February 2010 15 APRIL 2010