EMPLOYEE WELLNESS

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EMPLOYEE WELLNESS
Revised 11/17/2009
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BOW-WOWBenefits-On-WheelsWellness-On-WheelsOpen
Enrollment Site Meetings

• South Lake Elem. 9/13/07 500 p.m.Jefferson
  Middle 9/18/07 700 a.m.Jackson
  Middle 9/18/07 415 p.m.Rockledge High
  9/19/07 700 a.m.Sunrise Elem. 9/19/07 400
  p.m.Cocoa High 9/20/07 700 a.m. Mila
  Elem. 9/20/07 330 p.m.ESF 9/21/07 500
  700 p.m. Bayside High 9/24/07 330 p.m.Space
  Coast Jr.Sr. 9/25/07 700 a.m.Eau Gallie
  High 9/26/07 700 a.m. Roosevelt
  Elem. 9/26/07 400 p.m.Stone Middle 9/27/07
  700 a.m.Meadowlane Int. 9/27/07 315 p.m. PDC
  SCCU 10/1/07 500 700 p.m.Johnson Middle
  10/2/07 700 a.m.Ocean Breeze 10/2/07 500
  p.m.ESF 10/3/07 745 a.m.Longleaf
  Elem. 10/3/07 400 p.m.Port Malabar
  El. 10/4/07 400 p.m.West Shore Jr.
  Sr. 10/5/07 700 a.m. labs will be on site
• Also, view videotaped meeting on Benefits Website

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FOCUS ON YOUR HEALTH WELL-BEING

• When getting better is up to you
• This years Wellness Focus is
  Health Risk Appraisals
• from BCBSF Cigna Bradman (all
  links can be found on Wellness Website)?
  Confidential
• ? Give a quick personalized assessment on your
  health status recommendations on steps to take
  to improve your quality of life
• ? FREE LABS at morning meetings (or voucher
  given to visit local lab) so you can input your
  current numbers from screenings (cholesterol,
  triglycerides glucose) to give an accurate
  picture of your health status? Name is
  automatically entered to win one of 50 excellent
  prizes valued at 50
• ? Plus Benefits from BCBSF Cigna on
  Wellness Disease Management

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Brevard Public Schools Wellness Programs

• Contact us
• Phone [phone] ext. 28235
• E-mail wellness_at_brevard.k12.fl.us
• Visit our improved Wellness Website
• Nutrient of the Week
• Food of the Week
• Fitness Center Discounts
• Wellness in Brevard County
• Ask the Dietitian
• Ask the RN http//wellness.brevard.k12.fl.us

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EMPLOYEE BENEFITS

• BENEFITS EFFECTIVE
• JANUARY 1, 2008

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RESPONSIBILITY
KNOWLEDGE
POWER
CHOICE
NEED
RISK
DECISIONS
WELL-BEING
SATISFACTION
SECURITY
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Medical Plan
Dental Plan
Medical Flexible Spending Account
Long Term Care
Family Needs
Dependent Care Account
Life Insurance
Disability Insurance
Auto Insurance
Need to See Specific Doctors
Vision Plan
Cancer Insurance
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LET US HELP YOU COMPLETE YOUR WELLNESS PICTURE!
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ANNUAL ENROLLMENT FOR 2008 October 11,
2007 Through October 25, 2007
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ELECTRONIC ENROLLMENT
Begins October 11th
Ends October 25th
WEBSITE AVAILABLE 24 HOURS A DAY 7 DAYS A WEEK
Website www.easybenefits.com User Name
Employee ID Number Password Will Be Mailed To
Your Work Location In A Letter Prior To The Start
Of Annual Enrollment
Benefits Staff and/or Department Staff will be
available to assist you in the enrollment process
during the hours of 800 am 400 pm
BENEFITS QUESTIONS?
Email us at benefits_at_brevard.k12.fl.us
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HIGHLIGHTS FOR 2008

• No Change to Medical Premiums(Subject to
  2007-2008 Collective Bargaining)
• Tricare Supplement no Longer Offered
• New Dental Plans
• Pre-Paid Debit Card for Flexible Spending
  Accounts
• Rates for Additional Employee Life Insurance
  Increasing Slightly, and Premiums Will be Paid
  With After-Tax Dollars.

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MEDICAL PLAN OPTIONS
Member Pays
This is an abbreviated schedule of benefits for
a full listing, refer to the Summary Plan
Description
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(No Transcript)
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MONTHLYEMPLOYEE CONTRIBUTIONS EFFECTIVE JANUARY
1, 2008
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HOW TO CHOOSE A PLAN

• Review Monthly Premium
• Review Plan Design
• BlueCare, CIGNA Basic EPO Plans are
  In-Network Only
• BlueChoice and PPO Plans have Out-of-Network
  Option
• Office Visit Co-pays
• Co-insurance
• Deductibles
• Maximum Out-of-Pocket Cost
• Review Networks
• Parrish Hospital not in BCBSFL
• Indian River Memorial Hospital not in BCBSFL HMO
  Plan
• Find Your Physician(s) in the Network

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FINDING YOUR PHYSICIAN

• Access On-line Provider Directories
• www.bcbsfl.com
• BlueCare HMO
• BlueChoice PPO
• www.cigna.com
• Basic, EPO PPO Plans all use the PPO Directory
• Contact Your Physicians Office
• Contact BCBSFL or CIGNA

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CHOOSING A DENTAL PLAN
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DENTAL PLANS
New Dental Carrier - Delta Dental
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WHAT IS DeltaCare USA?

• DeltaCare USA Plans are Pre-Paid (DHMO Type)
  Plans
• Member MUST Select a Dental Facility
• Benefit Schedule Shows Exact Copay Provider Will
  Charge For Each Procedure Code
• No Out-of-Network Benefits

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DeltaCare USA Plan Comparison
MEMBER PAYS
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What is the Low PPO Plan?

• Referred to as Maximum Plan Allowance
• In-Network PPO Dentist Cannot Charge More Than
  Scheduled Amount
• Members Are Not Required to Select a Dental
  Facility
• You Receive the Best Benefit When You Use a
  Network Dentist

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• Low PPO Example
• For Illustrative Purposes Only

Utilizing an In-Network Dentist
Utilizing an Out-of-Network Dentist
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What is the High PPO Plan?

• Freedom to Use Any Dentist
• PPO Providers Agree Not to Charge More Than
  Discounted Amount No Balance Billing
• Out-of-Network Providers Charge Normal Fee and
  Balance Bill Member

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PPO PLAN COMPARISON
PLAN PAYS
The new PPO plans have no waiting periods for
services.
PPO NETWORK

• In-Network Providers Agree to Discounted Fee
• Out-of-Network Provider Charges are Paid to 90th
  Percentile 9 Out of Every 10 Dentists Wont
  Charge More
• Premier Network Providers Charge More Than
  In-Network, but Less Than Out-of-Network Providers

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DeltaCare High vs Low PPOFor Illustrative
Purposes Only
PLAN MAXIMUMS?

• DeltaCare USA - No Plan Maximums
• Low PPO - 1,000 CY Maximum
• High PPO - 1,500 CY Maximum

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DENTAL PLAN MONTHLY RATES
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CHOOSING A DENTAL PLAN
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PHARMACY PLAN HIGHLIGHTS FOR 2008

• No Change in Copayments
• Retail (30 Day Supply)
• 10 Generic
• 20 Name Brand Preferred
• 35 Name Brand Non-Preferred
• Advantage 90/Mail Order (90 Day Supply)
• 20.00 Generic
• 40.00 Name Brand Preferred
• 70.00 Name Brand Non-Preferred

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ADDITIONAL BENEFITS

• Vision Care Plan
• Short Term Long Term Disability Insurance and
  ADD (The Hartford)
• Additional Employee Life Insurance (after tax)
  NEW
• Dependent Life Insurance (after tax)
• Cancer Insurance (AFLAC)
• Auto Home Insurance (Liberty Mutual)
• Long Term Care

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BRINGING IT ALL TOGETHER

• What should you do with your Section 125
  credits?
• How do you pay for out-of-pocket expenses?

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FLEXIBLE SPENDING ACCOUNTS

• Direct your Section 125 credits into this
  account
• Contribute money on a pre-tax basis every pay
  period
• Use the Medical Flexible Spending Account to pay
  for out-of-pocket medical, dental vision
  expenses
• Use the Dependent Care Account to pay for child
  or adult day care necessary while you and your
  spouse are at work.

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MEDICAL FSA

• What kinds of expenses can be tax-sheltered
  through a Medical FSA?
• Co-payments, co-insurance for medical, dental
  vision (covers spouse family members, even if
  not on plan)
• Counseling, therapy, mental health, substance
  abuse
• Medical equipment
• Glasses, contact lenses, laser eye surgery
• Prescription drugs
• Hearing aids
• Certain over-the-counter medications supplies
• Acupuncture, chiropractic
• (refer to Cornerstone brochure with details
  worksheet)

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MEDICAL FSA

• How Much Can I Put Into The Account?
• Maximum Contribution 5,000 Annually
• Minimum Contribution 5.00/Pay Period
• How Much Should I Put Into The Account?
• What happens if I set aside money and dont use
  it all?
• How Long Do I Have to Use My Money?
• - Account funds must be used by March 15,
  2009
• When is My Money Available?- Entire annual
  amount is available on January 1st

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• DEPENDENT CARE FSA

• Daycare expenses, including pre- school
• Before/After school programs
• Summer day caps (no overnight) for children up
  to age 13
• Adult daycare for a tax dependent
• Account is NOT pre-funded
• Tuition is not an allowable expense

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DEBIT CARD

• NEW this year!
• Some receipts may still be required remember
• The Card is Neat, but Save Your Receipt
• Can be used at doctors office, pharmacy, dentist
  and eye doctors
• No waiting for reimbursement check to come
• First card free, additional card 5.00
• Direct deposit or check also available if you
  dont want to use debit card

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TAX SAVING EXAMPLE
Annual Salary 40,500
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FINDING NEW INSURANCE INFO ON THE DISTRICT
WEBSITE

• www.brevard.k12.fl.us
• Click on Employees
• Click on Benefits Information (under the yellow
  Employee Benefits bar)
• Click here for 2008 Open Enrollment Information

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POINTS TO REMEMBER

• Pre-Paid Debit Card Now Offered With Your FSA
• New Dental Plans
• No Increase to Medical Premiums (Subject to
  2007-2008 Collective Bargaining)
• Tricare Supplement No Longer Available
• Additional Employee Life Insurance is Now After
  Tax
• Open Enrollment Ends at
• midnight (1159 p.m.) on October 25th.
• ENROLL EARLY

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QUESTIONS?