EMPLOYEE BENEFITS Brevard County Board of County Commissioners

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EMPLOYEE BENEFITSBrevard CountyBoard of County
Commissioners

• Effective January 1, 2008

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Your Employee Benefits Staff

• Insurance Director
• Jerry Visco
• Employee Benefits Manager
• Cathy Jaskiewicz
• Benefits Specialists
• Rita Chrzaszcz, Employee Benefits
• Sam Bailes, Employee Benefits
• Kathy Patterson, HR Benefits
• Health Wellness Officer
• Glory Bennette, RN

321-633-2103
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2008 ANNUAL ENROLLMENT
On-line Enrollment Starts 10/15 and Ends
10/26 www.enrollment.com
October 2007
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2008 PLAN HIGHLIGHTS

• 9.5 Rate Increase for Medical No Plan Design
  Changes
• Tricare Supplement No Longer Offered
• American Pioneer Medicare HMO No Longer Offered
• Delta Dental New Dental Provider

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CAMPUS ON-LINE ENROLLMENT

• How Does The Process Work?
• If you wish to make changes to your current
  benefits, you must use the CAMPUS on-line
  enrollment system before October 26, 2007
• www.enrollment.com
• User ID brevard followed by your social
  security number
• Example brevard987654321
• Password Your password will be the first letter
  of the first name the first letter of your last
  name (your initials) your date of birth
  (mmddyy)
• Example Jane Doe, January 1, 1957 would be
  jd010157
• Dont Have a Computer?
• Computers with Internet access are in all County
  libraries and in the Employee Benefits/HR Office
  at the Viera Government Center (Bldg B, 2nd
  Floor).
• Not Up On The Latest Technology?
• Department Staff and/or Employee Benefits will be
  available to assist you in the enrollment process
  Monday through Friday from 8am to 5pm.

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WWW.ENROLLMENT.COM

• NOTE Immediately after you log on for the first
  time, you will be required to create a new
  password.
• It must be four or more characters (letters
  and/or numbers only, no spaces)

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WWW.ENROLLMENT.COM
Click here to learn more about your benefits.
Click here when you are ready to begin.
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WWW.ENROLLMENT.COM
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SCHEDULE OF BENEFITS
Out of Network is paid at the percentage of
reasonable and customary charges. Requires
prior authorization This is a summary of
benefits only refer to the Summary Plan
Description for details, limitations and
exclusions.
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HEALTH PLAN OPTIONS
OPEN ACCESS PLANS no referrals required for
specialist visits (in-network)
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RETIREE HEALTH PLANS PREMIUMS
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RETIREE HEALTH PLANS PREMIUMS
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MEDICARE PART D

• Important Notice About Your Prescription Drug
  Coverage and Medicare

• Medicare Part D became available in 2006 to
  everyone with Medicare through Medicare
  prescription drug plans and Medicare Advantage
  Plans that offer prescription drug coverage.
• Brevard County Government has determined that the
  prescription drug coverage offered by the County
  is, on average for all plan participants,
  expected to pay out as much as the standard
  Medicare prescription drug coverage will pay and
  is considered Creditable Coverage.

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MEDICARE PART D

• Because of this, you can keep your coverage and
  not pay extra if you later decide to enroll in
  Medicare prescription drug coverage.
• You can enroll in a Medicare prescription drug
  plan when you 1st become eligible for Medicare,
  and each year from 11/15 12/31
• You should compare your current coverage,
  including which drugs are covered, with the
  coverage cost of the plans offering Medicare
  prescription drug coverage.
• If you do decide to enroll in a Medicare
  prescription drug plan and drop your Brevard
  County Government prescription drug coverage, be
  aware that you and your dependents will not be
  able to get this coverage back.

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PHARMACY CO-PAYMENTS

• The Brevard County Government plan provides
  comprehensive prescription drug coverage through
  retail and mail order providers. The Brevard
  County Government prescription drug benefit will
  include a one-time 50 deductible, and then
  co-payments will be

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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
• Extra Services (Healthy Rewards / Blue
  Compliments)
• 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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2008 DENTAL PLANS

• New Dental Carrier - Delta Dental

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HOW DO YOU CHOOSE A PLAN?
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DELTACARE USA DHMO PLANS

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

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DELTACARE USA PLAN COMPARISONS
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DELTA DENTAL LOW PPO PLAN

• Maximum Allowable Charge (MAC) Plan
• 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
• Limited Out-Of-Network Benefit w/ Delta Premiere
  and Out-of-Network Dentists
• Annual Maximum is 1,000 per calendar year

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DELTA DENTAL LOW PPO EXAMPLE
Utilizing an In-Network Dentist
Utilizing an Out-of-Network Dentist
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DELTACARE USA/PPO COMPARISON
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DELTA DENTAL HIGH PPO PLAN

• Three Provider Options In-Network, Premiere,
  Out-of-Network
• In-Network PPO Providers Agree Not to Charge More
  Than Discounted Amount No Balance Billing
  dentists under contract
• Premiere Network dentists not in PPO network but
  have agreed to a higher fee schedule
• Out-of-Network Providers Charge Normal Fee and
  Balance Bill Member. Out-of-Network Provider
  Charges are Paid to 90th Percentile 9 Out of
  Every 10 Dentists Wont Charge More
• Annual Maximum is 1,500 per calendar year

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PPO PLAN COMPARISON
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2008 DENTAL RATES
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HOW DO I CHOOSE A PLAN?
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VOLUNTARY BENEFITS

• Vision Care Plan CompBenefits
• Optional Voluntary Benefits cancer, hospital
  intensive care, accident, disability protection,
  hospital indemnity and long term care policies
  (Aflac, Allstate)

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WHATS NEXT?

• Dont wish to make any changes
• You need not do anything. Your 2007 benefits will
  roll over into 2008. Your dental plan will be
  mapped into the corresponding Delta plan below
• CompBenefits PPO to the High Option PPO
• CS150 will be moved to DeltaCare USA High DHMO
• C250 will be moved to DeltaCare USA Low DHMO plan
• If you DO wish to elect a benefit different than
  the roll over option, you will need to go online
  to make your selection.

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HEALTH WELLNESS

• WINBrevard website
• www.winbrevard.com
• Provider links
• Wellness Events health fairs, education series,
  weight management, flue shots, biometric
  screenings, fitness discounts
• Wellness Learning Center
• Health Risk Assessment
• Annual Senior Health Expo
• First Annual Senior Health Fair November 9th!

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POINTS TO REMEMBER

• 9.5 Increase In Medical Premiums
• New Dental Plans
• Tricare Supplement No Longer Available
• Open Enrollment Ends at midnight (1159 p.m.) on
  October 26th.
• ENROLL
  EARLY!!!!

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Who Knew Eating Right Was So Easy!

• REMEMBER Eating right doesn't have to be
  complicated, just think in colors... fill your
  plate with bright greens, yellows, reds, etc.
  Youll feel better immediately.