Annual Enrollment for Plan Year 2019 www.gabreeze.ga.gov 2019 - - PowerPoint PPT Presentation
Annual Enrollment for Plan Year 2019 www.gabreeze.ga.gov 2019 Annual Enrollment Georgia Breeze Website: Opens: Monday, October 15 th 12:00AM Closes: Friday, November 2 nd 11:59PM * Benefits elected are effective January 1, 2019 February
Annual Enrollment for Plan Year 2019
February 2010
www.gabreeze.ga.gov
* Benefits elected are effective January 1, 2019
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February 2010
Flexible Benefits Enrollment thru Georgia Breeze
Annual Enrollment
Visit www.gabreeze.ga.gov to enroll in your benefits today! For assistance with the Georgia Breeze website or flexible benefits enrollment, contact the Georgia Breeze call center at 1-877-342-7339, 8:00 AM – 5:00PM, Monday-Friday. Print your confirmation page when you have completed your elections!
– You may change your elections as many times as you wish during open enrollment. – The choices remaining in the system on November 2nd will be yours for all of 2019! If you complete your enrollment verbally with a Georgia Breeze associate, document the name of the representative, date, and time of the call. If you do not login, all benefits from 2018 will rollover, except for the Flexible Spending Account.
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February 2010
APRIL 2010
increases to $2,604 (was $2,560).
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Cigna Pre-Paid Dental/HMO
February 2010 5
Required to use in-network providers
network providers are located. Limited providers in Savannah area.
covered services and no annual maximum benefits.
Cigna DHMO Rates You $22.58 You + $41.15 Spouse You + $51.03 Child(ren) Family $60.86
February 2010
Dental Insurance – Delta Dental
Delta Dental Select Plan
$50 deductible per person/$150 family deductible (in- network and out-of-network) per calendar year. $500 maximum coverage per person each calendar year. 100% Coverage for diagnostic/preventive services. (Cleanings, xrays, etc.) 80% Coverage for basic services (fillings, extractions), Endodontics (root canals), Periodontics (gum treatments), and Oral Surgery. 50% Coverage for major services (crowns, inlays, restorations, bridges, dentures, TMJ, surgical periodontics.)
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February 2010
Dental Insurance – Delta Dental
Delta Dental Select Plus Plan $50 deductible per person/$150 family deductible (in- network and out-of-network) per calendar year. $2,000 maximum coverage per person each calendar year. 100% Coverage for Diagnostic/Preventive services. (Cleanings, xrays, etc.) 90% Coverage for Basic Services (fillings, extractions), Endodontics (root canals), Periodontics (gum treatments), and Oral Surgery. 60% Coverage for Major Services (crowns, inlays, restorations, bridges, dentures, TMJ, surgical periodontics.) 50% Coverage for Orthodontia Services, up to $2,000 lifetime maximum orthodontia benefit per person.
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February 2010
Delta Dental Plans – Late Entrant Penalties
Late Entrant Penalties – Delta Dental:
plan year, or cannot prove that they have had continuous dental insurance coverage, they are subject to “late entrant penalties.”
TMJ, surgical periodontics.)
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February 2010
APRIL 2010
Delta Dental Premiums - 2019
Delta Dental – Delta Dental – Select Plan Select Plus Plan
– You Only $26.20 – You Only $42.01 – You + Spouse $51.03 – You + Spouse $82.22 – You + Child $53.49 – You + Child $86.24 – You + Family $74.95 – You + Family $121.01
Admin fee is included in amount.
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February 2010
Vision – Blue Cross/Blue Shield of Georgia
Select Plan
every year, copayments apply
every two years
receive the full $105 allowance, you must receive your exam, fitting and evaluation at a single visit to the same network provider. Select Plus Plan
every year, copayments apply
every year
receive the full $150 allowance, you must receive your exam, fitting and evaluation at a single visit to the same network provider.
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February 2010
Important Note RE: Wal-Mart/Sam’s Club providers
Most Walmart/Sam’s Club are out-of-network providers Submission of the claim form below, with receipts is required to receive the in- network benefit
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February 2010
APRIL 2010
Vision Premiums - 2019
BCBS of Georgia – Select Plan Premiums
– You Only $5.50 – You + Spouse $11.69 – You + Child $12.23 – You + Family $16.54
Admin fee is included in amount
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BCBS of Georgia – Select Plus Plan Premiums
– You Only $9.49 – You + Spouse $20.83 – You + Child $21.79 – You + Family $29.70
February 2010
The Standard Company - Disability Plans
Short Term Disability
– 7-day wait or 30-day wait (from date of disability, until payment issued) – Covers disability up to 6 months. – 60% of pay, up to $1,000 per week, benefit salary maximum now $86,684 – Consider Sick/Annual Leave Balances. – Late Entrant Penalty
> 60 Day wait for disability due to disease, mental disorder, or pregnancy within first
12 months of coverage.
Long Term Disability
– Covers disability after 6 months. – 60% of pay, up to $5,000 per month, benefit salary maximum now $100,000. – Benefits are paid after-tax, not considered taxable income when on LTD. – Benefits generally are payable until end of disability
> For some conditions, benefits are only payable
for two years. (Mental Disability, substance abuse, etc.) *Rates are based on employee age and salary.
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February 2010
AFLAC Critical Illness & Accident Coverage
Specified / Critical Illness Plan Design
Select Plan = Critical Illness Coverage, Lump Sum Benefit Select Plus Plan = Critical Illness + Accident Coverage A complete list of benefits and descriptions is available in the summary plan description. Rates are based on employee/spouse age and coverage level. Child coverage included at 50% elected benefit level, with no additional cost.
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February 2010
AFLAC Critical Illness Coverage
Covered Diagnoses:
Critical Illness Coverage:
– Lump Sum Benefit paid following diagnosis. – Child coverage at no additional cost, up to age 26. 50% of benefit is payable for children. 12-month interval with 50% benefit for 2nd
Cancer 12-month treatment-free re-occurrence
Reminder: Coverage for Spouse Specified Illness cannot exceed coverage level for Employee Specified Illness and must be same tier.
Heart Attack Stroke Major Organ End-Stage Transplant Renal Failure Internal Coma Cancer Severe Burns Paralysis Loss of Sight, Alzheimer’s Hearing or (25%) Speech Caricnoma in Coronary situ (25%) Artery (25%)
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February 2010
AFLAC Critical Illness
Critical Illness Health Screening Benefits:
– Receive a maximum $100 ($160 for Select Plus) for completion of any
– 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 Blood Tests for breast, ovarian, Sigmoidoscopy prostate, colon cancer, or myleomia
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February 2010
Long Term Care Insurance – Unum Insurance
– Nursing Facility Insurance, covers some in-home care, adult day care.
Long Term Care Insurance
– 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- laws, includes adoptive or step-parents. – Only employee premiums taken through payroll
Unum. – Medical Underwriting required for covered spouse, parents, or in-laws. – Medical Underwriting required for employees electing coverage for the first time, after a break in coverage, or electing a higher level of coverage.
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Employees can go to the website: unuminfo.com/sog
1 800-227-4165 for additional information
February 2010
APRIL 2010
Employee Life, Spouse, and Child Life Employee 1x to 10x Benefit Salary; Max Coverage $2,000,000 Premiums based on age, salary, & coverage selection Spouse $6,000, $12,000, $30,000, $60,000, $100,000, $150,000, $200,000, $250,000 Premiums based on employee’s age, salary, and coverage selection. Child $3,000 ($0.92), $6,000 ($1.14), $10,000 ($1.44), $15,000 ($1.81), $20,000 ($2.18)
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February 2010
Life Insurance – Met Life
Life Plans – MetLife
Current employees wishing to increase their current level of coverage more than one level will be required to complete the
Employees wishing to enroll in Spouse Life or increase the current level of spouse coverage will be required to complete the online Statement of Health (SOH) and/or medical underwriting. – Employees are required to pre-register their spouse on the Gabreeze website before the Statement of Health form will be available online. Child life covers children up to age 26. Disabled children may be covered after age 26. Coverage includes: – Waiver of premium for total disability, more than 180 days. – Will preparation/estate planning with Hyatt Legal partner. Don’t forget! Child or spouse life coverage cannot exceed employee life coverage!
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February 2010
Accidental Death & Dismemberment – Met Life
MetLife AD&D offers :
– Up to 10x AD&D coverage, up to $2 million – If you are age 75 but less than 80, the value of your coverage is reduced to 50% Accidental Death & Dismemberment – Payable on death or injury due to a covered accident. – Be sure to designate your beneficiaries! Premiums are based on employee’s age and salary
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February 2010
Flexible Healthcare Spending Account - WageWorks
Healthcare Spending Account – Set aside pre-tax money to use for healthcare expenses. – Maximum amount increased to $2,604 annual/$217/month ( $44 annual limit from PY2018) – Minimum annual contribution is $120.00 – 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
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February 2010
Flexible Healthcare Spending Account – Reminders
Money is “Use or Lose” – You have until March 15, 2020 to use money placed in your 2019 spending account. – Current spending accounts may be utilized through March 15, 2019. Entire amount is available on January 1st. Visa debit card available for purchases, but keep your receipts! 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.
www.wageworks.com State of Georgia Code: STATEOFGE-10029
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February 2010 23
APRIL 2010
Flexible Healthcare Spending Account – WageWorks
Flexible Spending Accounts & Health Savings Accounts
Per IRS guidelines, it is prohibited to participate in a Flexible Spending Account and a Health Savings Account. If an employee does enroll in both a Flexible Spending Account and Health Savings Account in error, they may submit an appeal form to Georgia Department of Administrative Services (DOAS) to cease participation in the Flexible Spending Account. – Appeals are reviewed by DOAS, and GA Breeze will be notified of the final determination regarding the Spending Account
February 2010
Flexible Dependent Care Spending Account - WageWorks
Dependent Care Spending Account
– Set aside pre-tax money to use for child care expenses for your children under age 13 Care of a dependent at any age, who is unable to care for themselves due to a disability may also qualify. – Maximum family amount $4,992 annual/$416 per month can be set aside per year under IRS rules. – Money is “Use or Lose”
> Funds placed in 2019 dependent care spending accounts
must be used by December 31, 2019.
> Current year dependent care spending account balances
must be used by December 31, 2018. – Both employee and spouse must be working full time or enrolled in school full time to utilize this benefit. – Eligible expenses include: preschool, nursery school, after school care. – Ineligible expenses include: activity fees, field trips, clothing, food, entertainment, Kindergarten, overnight camps, sports lessons, transportation, or private school tuition.
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February 2010
APRIL 2010
Hyatt Legal Plans
Select
Select Plus
ALL SELECT FEATURES, PLUS:
Select Premium
ALL SELECT & SELECT
PLUS FEATURES, AND:
advice and consultations Earner Plan
maximum fee)
refinancing of your primary residence and second or vacation home
primary residence and second
(25%discount) representation
Privileges
custody order or visitation rights
support orders
violence
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February 2010
APRIL 2010
Hyatt Legal Plans – Rates
Legal Plans – Hyatt
National network of over 14,000 attorneys, 450 attorneys within the State of Georgia
Select Select Select Plus Premium Employee $5.97 $4.65 $8.75 Family $7.46 $9.80 $10.90
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February 2010
Have you had changes to your family?
Don’t forget to review your beneficiaries for:
Dismemberment
Update Beneficiaries!
401(k), 457, 403(b)
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February 2010
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