Annual Enrollment for Plan Year 2020 www.gabreeze.ga.gov 2020 - - PowerPoint PPT Presentation
Annual Enrollment for Plan Year 2020 www.gabreeze.ga.gov 2020 Annual Enrollment Georgia Breeze Website: Opens: Monday, October 21 st 12:00AM Closes: Friday, November 8 th 11:59PM * Benefits elected are effective January 1, 2020 February
Annual Enrollment for Plan Year 2020
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www.gabreeze.ga.gov
* Benefits elected are effective January 1, 2020
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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 8th will be yours for all of 2020! 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 2019 will rollover, except for the Flexible Spending Account.
Flexible Benefits Enrollment thru Georgia Breeze
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APRIL 2010
increases to $2,652. (was $2,604)
coverage one level without completing a Statement of Health.
(Spouse premiums were previously calculated on the employee’s age.)
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Required to use in-network providers
network providers are located. Limited providers in Savannah area.
covered services and no annual maximum benefits.
Cigna Pre-Paid Dental/HMO
Cigna DHMO Rates You $22.58 You + Spouse $41.15 You + Child(ren) $51.03 Family $60.86
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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.)
Dental Insurance – Delta Dental
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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.
Dental Insurance – Delta Dental
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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.)
Delta Dental Plans – Late Entrant Penalties
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APRIL 2010
Delta Dental Premiums - 2020
Admin fee is included in amount.
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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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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
Important Note RE: Wal-Mart/Sam’s Club providers
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APRIL 2010
Vision Premiums - 2020
Admin fee is included in amount
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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 $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 $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.
The Standard Company - Disability Plans
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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.
AFLAC Critical Illness & Accident Coverage
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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.
AFLAC Critical Illness Coverage
Covered Diagnoses: Heart Attack Stroke Major Organ Transplant End-Stage Renal Failure Internal Cancer Coma Severe Burns Paralysis Loss of Sight, Hearing or Speech Alzheimer’s (25%) Caricnoma in situ (25%) Coronary Artery (25%)
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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
AFLAC Critical Illness
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
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Long Term Care Insurance – Unum Insurance
– Nursing Facility Insurance, covers some in-home care, adult day 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- 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.
Long Term Care Insurance
Employees can go to the website: unuminfo.com/sog
1 800-227-4165 for additional information
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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 Spouse’s age and coverage level 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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Life Insurance – Met Life
Life Plans – MetLife
One Up! Current employees may increase coverage by one level with no Statement of Health (SOH) and no medical underwriting! Increasing more than coverage level will require the online Statement of Health (SOH) and/or medical underwriting. New enrollment or increase in Spouse Life coverage will require 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. Important! Child or spouse life coverage cannot exceed employee life coverage!
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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
Accidental Death & Dismemberment – Met Life
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Healthcare Spending Account – Set aside pre-tax money to use for healthcare expenses. – Maximum amount increased to $2,604 annual/$221/month ( $48 annual limit from PY2019) – 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
Flexible Healthcare Spending Account - WageWorks
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Flexible Healthcare Spending Account – Reminders
Money is “Use or Lose” – You have until March 15, 2021 to use money placed in your 2020 spending account. – Current spending accounts may be utilized through March 15, 2020. 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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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
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Dependent Care Spending Account
– Set aside pre-tax money for child care expenses for your children under age 13 or 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 2020 dependent care spending accounts
must be used by December 31, 2020.
> Current year dependent care spending account balances
must be used by December 31, 2019. – 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.
Flexible Dependent Care Spending Account - WageWorks
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APRIL 2010
Hyatt Legal Plans
advice and consultations
maximum fee)
refinancing of your primary residence and second or vacation home
primary residence and second
(25%discount) ALL SELECT FEATURES, PLUS:
Earner Plan
representation
custody order or visitation rights
support orders
violence ALL SELECT & SELECT PLUS FEATURES, AND:
Privileges
Select
Select Plus Select Premium
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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 Plus Select Premium Employee $5.97 $7.65 $8.75 Family $7.46 $9.80 $10.90
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Have you had changes to your family?
Don’t forget to review your beneficiaries for:
Dismemberment
401(k), 457, 403(b)
Update Beneficiaries!
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