CCC Human Resources

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CCC Human Resources
Welcome To Coconino Community College Benefits
Open Enrollment Orientation
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New for 2008/2009 FY

• Minnesota Life Insurance
• 50,000 Guaranteed Issue without EOI
• Value added services
• Health and Wellness Solutions
• Beneficiary Financial Counseling
• Travel Assistance
• Will Preparation Service
• New FSA Provider

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• Your
• Medical Insurance
• Options

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3 PPO Health Plan Options

• Base Plan
• Buy-up Plan
• High Deductible Health Plan (HDHP-Saver)

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Important Insurance Terms

• Co-Payment- The flat amount you pay for doctors
  office visits, prescriptions and some other
  services.
• Access Fee- Access fees are charged for Emergency
  Room visits when the patient is not admitted to
  the hospital. They are calculated separately
  from all other fees. In order to avoid access
  fees, use urgent care facilities instead of
  Hospital Emergency Rooms for non-emergent
  situations.
• Deductible- The amount you pay each calendar year
  before insurance benefits are provided for
  covered medical expenses. Services that are
  covered by co-pays are not subject to a
  deductible.
• Co-insurance- The percentage of covered expenses
  you are responsible for after you meet your
  deductible.
• Out-of-pocket Maximum- The maximum amount of
  co-insurance you are responsible for paying.
  After meeting your out-of-pocket maximum, your
  insurance will pay 100 of co-insurance instead
  of 80. In High Deductible Health Plans
  (HDHPs), the out-of-pocket max. includes your
  deductible. In Base and Buy-up plans, the
  deductible is calculated separately from the
  out-of-pocket max. You will continue to be
  responsible for co-pays and access fees for
  services and prescriptions, when applicable, even
  after meeting your out-of-pocket maximum.
• BCBS Allowed Amount- BCBS contracts with
  providers to pay a specific, allowed amount based
  on services received. When you receive services
  from a contracted, in-network provider, you will
  only be responsible for your co-insurance up to
  the allowed amount. When you receive services
  from a non-contracted provider (with the
  exception of emergency services) BCBS will only
  pay their percentage up to the allowed amount,
  and you will be responsible for any overages
  billed by the provider.
• __

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Comparison of Benefits
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Comparison of Benefits
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• Your
• Pre-Tax Plan
• Options

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Pre-Tax Plans

• FSA-Flexible Spending Account
• HCFSA- Health Care Flexible Spending Account
• DCFSA-Dependent Care Flexible Spending Account
• HSA-Health Savings Account (In order to elect an
  HSA, you need to be enrolled in an HDHP-High
  Deductible Health Plan)

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Advantages of Pre-Tax Plans
Net Annual Increase to take home pay is 529
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ASIFlex is our new provider for FSAs
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Participants of FSAs
Important information

• You must complete a new application
• If you want a debit card you must complete an
  application
• Your prior FSA elections will not rollover

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Enrollment Steps
BASE PLAN PPO 500
BUY-UP PLAN PPO 250
HDHP SAVER PLAN PPO 1250
Step 1 PICK A MEDICAL PLAN
EMPLOYEE CONTRIBUTION TO GENERAL PURPOSE HCFSA-UP
TO 3000
HSA FOR EMPLOYER CONTRIBUTION
GENERAL PURPOSE HCFSA FOR EMPLOYER CONTRIBUTION
EMPLOYEE CONTRIBUTION TO GENERAL PURPOSE HCFSA-UP
TO 3000
Step 2 ELECT IF YOU WANT
EMPLOYEE CONTRIBUTION TO DCFSA-UP TO 5000
ADD EMPLOYEE CONTRIBUTION TO HSA UP TO MAXIMUM
ADD EMPLOYEE CONTRIBUTION TO GENERAL PURPOSE
HCFSA-UP TO 3000
EMPLOYEE CONTRIBUTION TO DCFSA-UP TO 5000
Step 3 ELECT IF YOU WANT
EMPLOYEE CONTRIBUTION TO LIMITED PURPOSE HCFSA-UP
TO 3000
Step 4 ELECT IF YOU WANT
EMPLOYEE CONTRIBUTION TO DCFSA-UP TO 5000
Step 5 ELECT IF YOU WANT
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Delta Dental Insurance
Your Dental Plan Options
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Minnesota Life Insurance
Your Life Insurance Plan Options
Plan at a glance - Basic Term Life
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Minnesota Life Insurance
Your Life Insurance Plan Options
Plan at a glance - Voluntary Term Life
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Voluntary Life Insurance
How much will it cost? Voluntary Term Life (rate
per 1,000/month)
Employee
Spouse
Child Term Life 0.07 / 1,000 / month
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Conversion to ML
GUARANTEED ISSUE OPPORTUNITIES AND EOI
REQUIREMENTS
Minnesota Life has agreed to a 10,000 guarantee
issue offer during future annual enrollments. As
this offer will only be available to employees
already participating in the voluntary life plan,
it is very important for any employees not
currently enrolled to take advantage of the
one-time offer to enroll in the plan without
evidence of insurability during this enrollment.
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Conversion to ML
GUARANTEED ISSUE OPPORTUNITIES AND EOI
REQUIREMENTS
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Minnesota Life Evidence of Insurability Workflow
yes
App Requires Additional Info
Auto-Approval
UW Decision Made
Final Review Performed
Application Received in Underwriting
Minnesota Life
no
no
yes
EOI Completed by Employee
Paramedical Exam Requested on Employee (Approx
15)
Medical Records Requested from Employees
Doctor (Approx 10)
Employee Called For Questionnaire (Approx 20)
Notification Sent to Employee
Employee
Coverage Info Provided to ML
Final Status Sent to Employer
Employer
Paramedical Firm Completes Exam with Applicant
Underwriting Service Providers
Records Firm Requests Records from Doctor
Timeframe Note - The EOI is sent through
auto-approval within 24 hours of receipt. If the
EOI cannot be auto-approved, it is reviewed by an
Underwriter and a decision is made or additional
information is requested within 1 - 2 days.
Turnaround on the additional information is
dependent upon the applicant or their doctor.
The timeframe to schedule and complete a
paramedical exam can take 7 - 14 days or more
depending on the applicant. The timeframe or get
medical records can take 14 - 21 days or more
depending on the doctor. Once all requirements
are received, the information is reviewed and a
final decision is made within 2 - 4 days. Total
time to complete the full evidence of
insurability process (including exam and records)
varies greatly, however on average it takes 14 -
21 days from receipt to decision. If no
additional information is required and a decision
can be made off the EOI, on average it takes 2 -
4 days from receipt.
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Questions?

• CCC Human Resources
• Lyman Locket 226-4204
• Rosa Mendoza-Logan 226-4350
• Janelle Indian 226-4280
• primary contact for benefit questions
• For more information
• General information see NAPEBT Website
  www.napebt.com
• Health Savings Accounts, see the department of
  Treasury website http//www.treas.gov/offices/pub
  lic-affairs/hsa/faq.shtml