Open Enrollment 2018 BARTOW COUNTY SCHOOLS 1
Employee’s Responsibility � Visit Bartow County Schools Benefit Resource Center site: shawhankins.net/bcs � Review Open Enrollment Materials � Log in to SHBP and Bswift to make elections, changes, or to decline coverages � Update personal and beneficiary information � Complete Enrollment via on-line enrollment system or with an enroller begining October 16, 2017 through November 3 rd , 2017 Notify ShawHankins at 1-877-272-4380 if you have problems • enrolling in BSWIFT. 2
New for 2018 � Moving Dental coverage from Ameritas to Guardian. � EAP- Employee Assistance Program included in LTD plan � Current AFLAC Group plans will have some plan enhancements and slightly lower premiums � Adding New AFLAC Group Universal Life with Long Term Care Rider � Bartow County Schools will no longer payroll deduct for the following policies: � UNUM Whole Life � Individual (Old) Aflac Policies- You may keep these products via direct bill to your home. Please ask an enroller for more information regarding direct billing. Please visit Bartow County Schools Benefit Resource Center for full details on the plan changes. shawhankins.net/bcs 3
Enrollment Guidelines BEFORE YOU ENROLL - THINGS TO KNOW You are REQUIRED to bring a copy of the below information / documentation for all new dependents/beneficiaries: Dependents date of birth Dependents Social Security Numbers 4
Enrollment Portal HOW TO ENROLL Go to www.bartowcountyschools.bswift.com At this time, make sure to disable your pop up blocker • At the enrollment website enter your Username and Password. • Username is the first letter of your first name, last name and last four digits of your social security number. Example ( jdoe4567 ) • Password is the last 4 digits of your social security number ( ex. 4567) • You will then be prompted to create a new password. 5
Enrollment Portal From the Home Page Click on the Start Your Enrollment link, to begin the election process To choose or change your current election, select the View Plans button for the corresponding benefit. 6
Enrollment Portal Select the dependents you wish to cover under that particular benefit plan. Then click on the Continue button. Click on View Plan Details to see details for the corresponding plan. After making a decision, choose the appropriate tier using the drop down menu, then click the Select button under the chosen plan. 7
Enrollment Portal Repeat this process for all remaining benefits. Please take note that your per pay period deductions will total on the right hand side as you continue through the enrollment process. Once you have finished selecting benefits, click the Continue button on the right hand side. Make your beneficiary designations or confirm your current designations, and once finished click on the Continue button. 8
Enrollment Portal Review all your selections for accuracy. Once you have completed your review, click inside the box next to I agree and I’m finished with my enrollment. Next click on the Complete Enrollment button. 9
Enrollment Portal Once you have successfully completed your enrollment, you will see the confirmation above. You will now have the option to view, print, or email your benefit confirmation statement. 10
Dental Coverage 11
2018 Dental Plan Dual Option Administered by Guardian Plan Provisions Low Plan High Plan Deductible (cal. Year) $100 $100 Single $300 $300 Family Max Annual Benefit Max $1,250 $1,250 Diagnostic/Preventive 80% 100% Services Basic Treatment 60% 80% Major Treatment 50% 50% Orthodontia N/A 50%- $1,250 Benefit Max (Adult & Child) Benefit Waiting Periods : Employees and dependents, that did not enroll within 31 days of their initial eligibility, will be subject to the following late entrant waiting periods: 6 months- Basic, 12 months- all other Major Services, 24 months-Ortho. 12
2018 Dental Payroll Deductions (12 per year) Coverage Tier Low Plan High Plan Employee $23.16 $36.48 Employee + Spouse $44.60 $70.34 Employee + Child(ren) $49.94 $88.70 Family $71.34 $122.56 Log on to www.guardiananytime.com and click on Find a Doctor. Click the Locate Dental Providers link. Next, choose a specialty from the drop-down menu or select ‘no preference’ and then click continue. Enter your search criteria by location or name. Guardian HelpLine: 1-888-600-1600 13
Vision Coverage 20
2018 Vision Plan Administered by EyeMed Benefit In-Network Out-of-Network Frequency Once every 12 Vision Exam $10 copay Up to $32 allowance months Contacts Fitting Once every 12 Standard Member cost up to $55 Not covered months Premium 10% off retail price Contact Lenses * Once every 12 Elective Up to $115 allowance Up to $92 allowance months Medically Necessary Covered in full Up to $210 allowance Standard Plastic Lenses Single Vision Covered in full after a $25 Up to $25 allowance Once every 12 Bifocal copay Up to $40 allowance months Trifocal Up to $60 allowance Up to $100 allowance; 20% off Once every 24 Frames Up to $50 allowance additional cost over $100 months *Please note: This plan covers either contact lenses or lenses for your glasses once every other calendar year. 21
2018 Vision Payroll Deductions (12 per year) Coverage Tier Vision Employee $ 4.96 Family $ 12.66 22
Flexible Spending Accounts 23
Flexible Spending Account Administered by WageWorks Flexible Spending Account (FSA) Unreimbursed Medical Spending Account Set aside as much as $ 2,600 Deductibles, co-payments, co-insurance, vision, dental May rollover up to $500 in unused healthcare FSA funds to next plan year Members will receive a debit card to use for payment of eligible expenses. Dependent Care Spending Account Up to $5,000 if head of household or are married filing joint return Or up to $2,500 if you are married filing a separate return Note: Re-enrollment is required every year on bswift. 18
Basic Life 19
Employer Paid Life Insurance Administered by Cigna Basic Life & Accidental Death and Dismemberment Employee = $15,000 Bartow County Schools provides this benefit at no cost to you. Please make sure you log into bswift and verify or update your beneficiary. 20
Voluntary Term Life 21
Voluntary Term Life Insurance Administered by Cigna Benefit Coverage Employee You can purchase coverage in increments of $10,000 up to a maximum of $250,000. Voluntary Life/AD&D New Hires: You will have a guarantee issue (GI) amount of $250,00. Employee elections over GI will require Evidence of Insurability. Spouse Voluntary You can purchase coverage in increments of $5,000 to a maximum of $25,000 Life/AD&D New Hires: You will have a guarantee issue amount of $25,000. Child(ren) You can purchase coverage for a flat $10,000 which covers each of your children. Voluntary Life New Hires: You will have a guarantee issue amount of $10,000. Annual Enrollment Employee - Current participants are allowed a $10,000 increase to their current coverage amount provided your amount does not exceed the GI. 22
Voluntary Term Life Insurance Administered by Cigna Important Terms to Understand Monthly Rate per Age Band $1,000 for Employee Evidence of Insurability : Evidence of and Spouse Insurability is a request to verify good <29 $0.030 health and is often in the form of a questionnaire. This is required when you 30-34 $0.060 are requesting insurance that is over the 35-39 $0.080 guarantee issue amounts or if you are enrolling after your initial enrollment. 40-44 $0.100 45-49 $0.140 Guarantee Issue : Guarantee Issue is the amount of life insurance that you can elect 50-54 $0.240 without having to provide evidence of 55-59 $0.440 insurability. The guaranteed issue period is 31 days from the date you first become 60-64 $0.520 eligible for the plan from your date of hire. 65-69 $0.910 If you choose not to enroll when you are first eligible and enroll at a later date, the 70+ $1.470 entire amount of insurance will be subject Child(ren) $2.00 to evidence of insurability. Spouse & Child Life/AD&D Per Month Please make sure you log into bswift and Premium is $2.00 for $10,000 of verify or update your beneficiary. coverage. 23
Disability Plans 24
Short and Long Term Disability Administered by Cigna Short Term Long Term Elimination period 14/14 or 30/30 days 180 days Benefit Duration 26 weeks after elim period SSNRA Pre-Ex None 3/12 Rates See Bswift for Age Banded Rates 25
Employee Assistance Program Administered by Cigna for LTD plan only Cigna provides 24/7 access to a specialist free of charge if you need someone to help you find family solutions. How do I set up an appointment for counseling? Call 1-800-538-3543. When you call mention the name of your employer (Bartow County Schools) and that you are using your EAP benefit. How many EAP sessions do I have? Employees have access to 3 free face-to-face visits with a Behavioral Counselor, for yourself and your household members. You can also take advantage of other services by visiting www.cignabehavoral.com/cgi 26
Supplemental Benefits 27
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