Open Enrollment 2018 BARTOW COUNTY SCHOOLS 1 Employees - - PowerPoint PPT Presentation

Open Enrollment 2018

BARTOW COUNTY SCHOOLS

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Employee’s Responsibility

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• 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 3rd, 2017

• Notify ShawHankins at 1-877-272-4380 if you have problems

enrolling in BSWIFT.

New for 2018

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• 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

Enrollment Guidelines

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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

Enrollment Portal

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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.

Enrollment Portal

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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.

Enrollment Portal

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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.

Enrollment Portal

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Repeat this process for all remaining benefits. Please take note that your per pay period deductions will total

• n 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.

Enrollment Portal

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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.

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.

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Dental Coverage

2018 Dental Plan Dual Option

Administered by Guardian

Plan Provisions Low Plan High Plan

Deductible (cal. Year) Single Family Max $100 $300 $100 $300 Annual Benefit Max $1,250 $1,250 Diagnostic/Preventive Services 80% 100% Basic Treatment 60% 80% Major Treatment 50% 50% Orthodontia (Adult & Child) N/A 50%- $1,250 Benefit Max

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.

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2018 Dental Payroll Deductions (12 per year)

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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

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Vision Coverage

2018 Vision Plan

Administered by EyeMed

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Benefit In-Network Out-of-Network Frequency Vision Exam $10 copay Up to $32 allowance Once every 12 months Contacts Fitting Standard Premium Member cost up to $55 10% off retail price Not covered Once every 12 months Contact Lenses * Elective Medically Necessary Up to $115 allowance Covered in full Up to $92 allowance Up to $210 allowance Once every 12 months Standard Plastic Lenses Single Vision Bifocal Trifocal Covered in full after a $25 copay Up to $25 allowance Up to $40 allowance Up to $60 allowance Once every 12 months Frames Up to $100 allowance; 20% off additional cost over $100 Up to $50 allowance Once every 24 months *Please note: This plan covers either contact lenses or lenses for your glasses once every other calendar year.

2018 Vision Payroll Deductions (12 per year)

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Coverage Tier Vision Employee $ 4.96 Family $ 12.66

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Flexible Spending Accounts

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.

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Basic Life

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.

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Voluntary Term Life

Voluntary Term Life Insurance

Administered by Cigna

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Benefit Coverage

Employee Voluntary Life/AD&D You can purchase coverage in increments of $10,000 up to a maximum of $250,000. New Hires: You will have a guarantee issue (GI) amount of $250,00. Employee elections over GI will require Evidence of Insurability. Spouse Voluntary Life/AD&D You can purchase coverage in increments of $5,000 to a maximum of $25,000 New Hires: You will have a guarantee issue amount of $25,000. Child(ren) Voluntary Life You can purchase coverage for a flat $10,000 which covers each of your children. 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.

Voluntary Term Life Insurance

Administered by Cigna

Important Terms to Understand

Evidence of Insurability: Evidence of Insurability is a request to verify good health and is often in the form of a

• questionnaire. This is required when you

are requesting insurance that is over the guarantee issue amounts or if you are enrolling after your initial enrollment. Guarantee Issue: Guarantee Issue is the amount of life insurance that you can elect without having to provide evidence of

• insurability. The guaranteed issue period is

31 days from the date you first become eligible for the plan from your date of hire. If you choose not to enroll when you are first eligible and enroll at a later date, the entire amount of insurance will be subject to evidence of insurability. Please make sure you log into bswift and verify or update your beneficiary.

Spouse & Child Life/AD&D Per Month Premium is $2.00 for $10,000 of coverage.

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Age Band Monthly Rate per $1,000 for Employee and Spouse

<29 $0.030 30-34 $0.060 35-39 $0.080 40-44 $0.100 45-49 $0.140 50-54 $0.240 55-59 $0.440 60-64 $0.520 65-69 $0.910 70+ $1.470 Child(ren) $2.00

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Disability Plans

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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

Employee Assistance Program

Administered by Cigna for LTD plan only

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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

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Supplemental Benefits

ShawHankins TeleMedicine

Administered by New Benefits

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ShawHankins Advantage $8.24 PEPM (Covers Entire Family) Teladoc Health Advocacy Medical Bill Saver Nurseline™ Doctors Online ShawHankins Advantage Plus $11.24 PEPM (Covers Entire Family) Teladoc Health Advocacy Medical Bill Saver Nurseline™ Doctors Online Vision Pharmacy Pet Care Lab Testing MRI & CT Scans Hearing Aids ShawHankins Premier $17.24 PEPM (Covers Entire Famiy) Teladoc Health Advocacy Medical Bill Saver Nurseline™ Doctors Online Vision Pharmacy Pet Care Lab Testing MRI & CT Scans Hearing Aids Legal Care Direct ID Sanctuary Enhanced (Family)

Critical Illness Benefits are payable for specified conditions and can help to cover the costs of your treatments and related expenses, regardless of your major medical insurance coverage. Key Features

• Lump Sum payment at time of Diagnosis
• Benefit amounts available from $5,000 to $50,000 for employee and $5,000 to $25,000 for

spouse

• Additional Occurrence Benefits – with 6 months between diagnosis date
• Re-Occurrence Benefit – with 12 months between diagnosis (or 12 months between diagnosis

and 12 months treatment free for cancer benefit)

• Each dependent child is automatically covered at 25% of the primary insured amount

Covered Conditions include but not limited to:

• Heart Attack
• Cancer
• Renal Failure (end stage)
• Stroke
• Major Organ Transplant
• Coronary Artery Bypass (25%)

Guarantee Issue Amount

• Employee - $30,000
• Spouse - $15,000
• All existing enrollees may increase their coverage up to the Guarantee Issue Amount at Open

Enrollment without answering medical questions

Group Critical Illness

Administered by Aflac

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After the waiting period (30 days), an insured employee and spouse may receive a maximum of $50 for any one covered health screening test per calendar year. The benefit will be paid regardless of the results of the

• test. Payment of this benefit will not reduce

the critical illness benefit payable under your

• certificate. This benefit is not paid for

Dependent Children. Screening tests include, but are not limited to:

• Colonoscopy
• Mammography
• Pap smear
• Breast Ultrasound
• Fasting blood glucose test
• Serum cholesterol test
• PSA (blood test for prostate

cancer)

• Chest X-ray
• Stress test on a bicycle or treadmill

Group Critical Illness – Wellness Benefit

Administered by AFLAC

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Group Accident Plan

Administered by Aflac

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The Aflac group Accident Advantage Plus plan benefits: *A Wellness Benefit for covered preventive screenings Transportation and Lodging benefits An Emergency Room Treatment Benefit A Rehabilitation Unit Benefit Coverage for certain serious conditions, such as coma paralysis An Accidental – Death Benefit A Dismemberment Benefit Features: Coverage is guaranteed-issue (which means you may qualify for coverage without having to answer health questions). Benefits are paid directly to you unless you choose otherwise. Coverage is available for you, your spouse, and dependent children. Coverage is portable (with certain stipulations). That means you can take it with you if you change jobs or retire. Fast claims payment. Most claims are processed in about four business days.

Group Hospital Indemnity

Administered by Aflac

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Benefit Coverage

Hospital Admission (Per Confinement) Paid out First Day $ 1,000 HOSPITAL CONFINEMENT BENEFIT (up to 180 days per confinement) $250 per day HOSPITAL INTENSIVE CARE BENEFIT (30-day max for any one period of confinement) $250 per day

Additional Features:

• Benefits are paid directly to you unless you choose otherwise.
• Coverage is available for you, your spouse, and dependent children.
• Coverage is portable. That means you can take it with you if you change jobs or retire (with certain stipulations)
• Fast claims payment. Most claims are processed in about four days.
• Late enrollees must answer health questions

What is Universal Life?

• Helps provide permanent financial protection and is a financial tool that helps you

manage life at every stage. Builds cash value over time that you can access for life's challenges and opportunities. Guaranteed Issue: $200,000 How Does it work?

• With Universal Life, benefits can be paid as a Death Benefit, as Living Benefits or a

combination of both. Key Features: Long Term Care, Extension of Long Term Care, Benefit Restoration, Family Coverage, Direct Payment and much more….

PLEASE SIGN UP TO MEET WITH AN SHAWHANKINS BENEFITS CONSULTANT FOR FURTHER ASSISTANCE WITH AFLAC PRODUCTS, RATES AND ENROLLING!

Universal Life with LTC Rider

Administered by Aflac

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Benefit Resource Center

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• shawhankinsbenefits.net/bcs
• This site contains benefit information, informative videos on each

benefit offering, links to important documents and forms, and contact information.

ShawHankins Call Center

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The Call Center is available from 8:30 a.m. to 5:00 p.m. Monday through Friday to assist you. We have an after- hours voice mailbox and your call will be returned the next business day.

1-877-242-4380 customerservice@shawhankins.com

Questions?

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