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City of Frisco 2014 Benefits Overview. Agenda Healthcare Reform Update Overview of Changes for 2014 Where You Fit In Plan Details Open Enrollment Questions.

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Presentation on theme: "City of Frisco 2014 Benefits Overview. Agenda Healthcare Reform Update Overview of Changes for 2014 Where You Fit In Plan Details Open Enrollment Questions."— Presentation transcript:

1 City of Frisco 2014 Benefits Overview

2 Agenda Healthcare Reform Update Overview of Changes for 2014 Where You Fit In Plan Details Open Enrollment Questions 2

3 Healthcare Reform Update 3

4 4 Individual Mandate for coverage is effective January 1, 2014 Individuals must have coverage or pay a tax penalty (Penalty – the greater of $95 or 1% of household income) not City of Frisco benefit-eligible employees are not eligible for a Federal subsidy because you have access to the City of Frisco medical plans Insurance Marketplace Notices were provided by the City of Frisco to all employees Citys medical plan meets all Federal Requirements for affordable premium and essential coverage How Healthcare Reform Impacts You

5 Overview of Changes for 2014 5

6 New in 2014 Medical PPO plan designs The $0 deductible PPO plan will not be an option for 2014 There are still three plan options: $250, $500 and $1500 deductible plans Urgent Care copay increases to $60 Annual Out-of-Pocket Maximum will include Deductibles and Copays for office visits and Rx Lower copays when you see a UHC Premium Physician Short Term Disability (STD) plan for all eligible employees All eligible employees will have a STD plan that pays 40% to $200 per week This plan will pay after 30 days of disability and is paid for by the City Employees will have the option to buy up to 60% benefit to $1,000 per week Long Term Disability (LTD) plan design Plan will move to a 180-day elimination period The LTD plan will coordinate with the STD plan Worksite Benefits UNUM will be the new carrier for Accident and Critical Illness/Cancer plans 6 Tier 1

7 Understanding Healthcare Terms Deductible – The amount you pay out of your own pocket before your insurance pays (just like your car insurance deductible) Coinsurance – After you have met your deductible, this is the amount/share of the costs you pay for your medical expenses and bills. (For example, on the Medical Plans, the coinsurance is 80% in network. The medical plan pays 80% and you would pay 20%) Copayments – The amount you pay at the time of service in the doctors office or at the pharmacy Out of Pocket Maximum – The most you would have to pay in a single year out of your own pocket. This includes deductible, medical and Rx copays and your medical coinsurance. After you meet your Out of Pocket Maximum, the plan pays 100% for the rest of the calendar year. Network Provider – Doctors, hospitals and other health care professionals with whom we have negotiated prices and are part of our network. Also called in-network provider or participating provider. 7

8 Medical and Pharmacy Updates NEW: $0 Deductible NOT available NEW: Plan options will be $250, $500, and $1500 deductible NEW: 80% Coinsurance on all plans (you pay 20%) NEW: Out-of-Pocket Max will include deductibles, copay for office visits and Rx Lower Copays ($20 for PCP and $30 for Specialist) when using UnitedHealthcare Physicians Preventive Prescription Drug List available at $0 copay (no change) Select Over the Counter Drugs available for $5 Copay (no change) 8 Tier 1

9 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. The UnitedHealth Premium program evaluates doctors for quality and cost efficiency to help you choose a doctor with confidence UnitedHealth Premium doctors: Practice evidence-based care Are more likely to follow new research and clinical trials May have lower surgery repeat rates Want Lower Copays? In 2014, you can reduce your copay if you see a Physician: $20 Primary Care Physician / $30 Specialist 9 Tier 1

10 10 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. UnitedHealth Premium ® Program *Data as of early 2014. Longest running physician quality and cost efficiency designation program (2005) National industry, evidence-based and specialty society standards Evaluate doctors on more than 75 conditions and 300 measures Physicians who fail to meet quality not eligible for cost efficiency 148 markets and 26 specialties evaluated* Accounts for more than 80% of all medical costs* Includes primary care physicians and specialists Available to members at no additional cost Integrated into customer service, clinical and online experiences Benefit designs based on Premium designation Received the National Committee for Quality Assurance (NCQA) program Physician Quality (PQ) certification and meets the Consumer Purchaser Disclosure Projects Patient Charter standards Quality & cost transparency Access Broad application Recognition Visit www.mychoicenotchance.com 10 Tier 1

11 Low ($250) Deductible Plan Type of coverageNetwork benefitNon-network benefit Annual Deductible Out of Pocket $250 per Person/ $500 per Family $1,750 per Person/ $3,500 per Family $500 per Person/ Unlimited per Family Unlimited per Person/ Unlimited per Family Physicians office services $20 Tier 1 / $40 Non-Tier 1 copayment 40% coinsurance Specialist office visit $30 Tier 1 / $60 Non-Tier 1 copayment 40% coinsurance Emergency room services$150 copayment Urgent care center services $60 copayment40% coinsurance 11

12 Medium ($500) Deductible Plan Type of coverageNetwork benefitNon-network benefit Deductible $500 per Person/ $1,000 per Family $1,000 per Person/ Unlimited per Family Out of Pocket $2,750 per Person/ $5,500 per Family Unlimited per Person/ Unlimited per Family Physicians office services $20 Tier 1 / $40 Non-Tier 1 copayment 40% After deductible Specialist office visit $30 Tier 1 / $60 Non-Tier 1 copayment 40% After deductible Emergency room services$150 copayment Urgent care center services $60 copayment40% After deductible 12

13 High Deductible ($1,500) Plan Type of coverageNetwork benefitNon-network benefit Deductible $1,500 per Person/ $3,000 per Family $3,000 per Person/ Unlimited per Family Out of Pocket $3,000 per Person/ $6,000 per Family Unlimited per Person/ Unlimited per Family Physicians office services $20 Tier 1 / $40 Non-Tier 1 copayment 40% After deductible Specialist office visit $30 Tier 1 / $60 Non-Tier 1 copayment 40% After deductible Emergency room services$150 copayment Urgent care center services $60 copayment40% After deductible 13

14 Preventive vs. Diagnostic No symptoms, illness, or history prompting the screening In accordance with age and gender guidelines Preventive Care Symptoms require further diagnosis Previous abnormal test results prompt earlier or more frequent screenings Previous abnormal test results prompt rescreening. Diagnostic 14

15 15 RetailMail order Tier 1 $15 Your Cost 1-Month Supply $30 Your Cost 3-Month Supply Tier 2 $25 Your Cost 1-Month Supply $50 Your Cost 3-Month Supply Tier 3 $50 Your Cost 1-Month Supply $100 Your Cost 3-Month Supply This is the current copayment/coinsurance structure of the plan in effect today. These amounts are subject to change. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Lowest Cost Highest Cost Pharmacy Costs 15

16 Health Care Flexible Spending Account Keep your receipts! You can set aside $2,500 to pay or reimburse yourself for eligible health care expenses such as: Doctors office visit costs and procedures Eyeglasses, contact lenses and supplies and vision exams Dental treatments, including X-rays, cleanings, fillings and orthodontic treatment Covered prescriptions Over-the-counter (OTC) supplies and equipment 16

17 Dependent Care Flexible Spending Account Keep your receipts! Save even more. You can set aside $5,000 to pay or reimburse yourself for eligible dependent care expenses such as: Qualified day care expenses for children under age 13 Adult dependents not capable of caring for themselves Babysitters, day care and day camps may qualify 17

18 Health4Me Information at your fingertips Health plan information ID card Claims status GPS provider search A personal touch Help with claims Coverage questions Finding a provider Available on iPhone ® and Android 18

19 19 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Care24 ® - EMPLOYEE ASSISTANCE PROGRAM 3 FREE VISITS PER YEAR Call Care24 services about: Legal Issues Relationship Issues Coping with grief and loss Questions to ask your doctor Mens, womens and childrens health Prevention Help Finding a doctor Information on medications General Health Information 19

20 Questions? 20

21 City Of Frisco Dental Plans Your Dental Health Can Affect Your Overall Health 2014 Plans - Assurant DPPO & DHMO

22 DHMO Plan Key Points: Ease of use – no claims to file, deductibles, etc. 1 No Deductibles No waiting periods No Annual Maximums Must select a dentist – each member can have his or her own Easy to understand co-pays (your out of pocket costs) 1 Customer may be required to file a claim in some instances. 22

23 Sample DHMO Treatment Plan copays Cleaning visit: Office Visitcopay $0 D0150 Comprehensive Examcopay $0 D0272 Bitewing X-rayscopay $0 D1110 Prophylaxis-adultcopay $0 Total out of pocket $0 Crown: D2750 Crown (porcelain fused to high noble metal) copay $275 D2950 Core Buildup, including pinscopay $75 Temporary Fillingcopay $15 Lab Feescopay $200-250 varies Total out of pocket$565 - $615 23

24 PPO Plan Key Points Freedom to see any dentist Whats covered? Calendar year max $1500 per person Calendar year deductible$50 individual/$150 family Preventive Services100% Routine oral exams, routine cleanings (frequency limitations may apply) General Services80% Fillings, x-rays, oral surgery, extractions, endodontics (root canals, etc.), periodontics (treatment of gums) Major Services50% Crowns, bridgework, dentures, implants Orthodontia$2,000 lifetime benefit 24

25 Network dentists can save you* $$ Average charge for crown** Minus DHA discount Actual Fee Insurance pays 50% Claimant pays Network Dentist Non-Network Dentist $938 30% $657 $328 $938 NA $938 $469 You could save $141 by going to a DHA dentist!! Example: *This example is for illustrative purposes only. Cost of dental procedures may differ depending on location or dental provider. Savings may also differ in cases when deductibles apply or if the DHA-Premier dentists discount differs from 30% **Based on Assurant Employee Benefits 2010 claims data for Union Security Insurance Company and Union Security Life Insurance Company of New York. Figures have been rounded to the nearest dollar. 25

26 City of Frisco 26

27 $10 Exam Copayment WARNING SIGNS FROM VISION EXAMS A comprehensive eye exam can reveal early warning signs to many medical problems including: Diabetes High Cholesterol Cancer Voluntary Platinum $150 Service/MaterialParticipating ProviderNon-Participating Provider Examination Paid in Full (no additional cost to you) Up to: $43.00 Retail Value Hypertension Brain Tumors Lupus Multiple Sclerosis Thyroid Disease Rheumatoid Arthritis 27

28 Voluntary Platinum $150 Service/MaterialParticipating ProviderNon-Participating Provider FrameUp to: $150.00 Retail Value Up to: $40.00 Retail Value Lenses: (Clear, Standard, Glass, or Plastic) Single Vision (per pair)Paid in FullUp to: $30.00 Retail Value Bifocal (per pair)Paid in FullUp to: $45.00 Retail Value Trifocal (per pair)Paid in FullUp to: $45.00 Retail Value Polycarbonate (per pair)Paid in FullUp to: $20.00 Retail Value $20 Eyewear Copayment 28

29 Service/MaterialParticipating ProviderNon-Participating Provider Contact Lenses: ElectiveUp to $200.00Up to: $185.00 Retail Value Medically RequiredPaid in FullUp to: $185.00 Retail Value Voluntary Platinum $150 Laser Vision Correction: $200.00 allowance (in or out of network) – in lieu of eyewear benefit Non-Covered Eyewear Discount: discount of 20% from a participating providers usual and customary fees for eyewear purchases which exceed the benefit coverage 29

30 Monthly Premiums - Voluntary Participation Employee only$6.80 Employee + Spouse$11.60 Employee + Child(ren)$12.26 Employee + Family$18.39 Frequency: Vision ExaminationOnce Each 12 Months FrameOnce Each 12 Months LensesOnce Each 12 Months Contact LensesOnce Each 12 Months Voluntary Platinum $150 30

31 Group Term Life Insurance with Accidental Death & Dismemberment Review of features 31

32 How much insurance do you need? People use life insurance to: Pay for their final arrangements Provide financial protection for those who rely on their income If others rely on your income, use this worksheet to figure out how much coverage you need.

33 Basic and Voluntary Life/AD&D Coverage for you Basic Life/AD&D Coverage $50,000 Voluntary Life/AD&D Coverage Maximum coverage amount - $10,000 increments to $200,000 Accidental death & dismemberment – paid in addition to the life benefit if you or a covered dependent: Die in a covered accident Suffer a covered dismemberment or disability 33

34 Coverage for your spouse & dependents Who can have it? Spouse- Increments of $10,000 up to $250,000 Available with purchase of employee coverage; your spouse may be required to answer a few health questions. Child- Option of $5,000 or $10,000 Available with purchase of employee coverage for eligible children, step-children, legally adopted children and grandchildren, ages 14 days through 26 years. Available family coverage

35 Evidence of Insurability You must complete this form: if you declined this benefit in the past and now want to buy this coverage for yourself to increase the coverage you currently have ($250,000 is the maximum allowed total). if you declined this coverage in the past for your spouse and now want to buy this coverage for your spouse. You must send this form to UNUM no later than October 21 st for review. Your coverage is not effective until UNUM has notified Human Resources that your application is approved.

36 Value-added features Life Planning Financial & Legal Resources counseling services Comprehensive, personalized financial plan with 12 months of follow up Personalized service through a toll- free telephonic counseling session with specially trained Ceridian counselors. No sales pitches! Available to survivors or to insured individuals if terminally ill 36

37 Short -Term Disability Insurance An overview of the benefits EN-1545 (03-12) 37

38 What would you do if your paycheck stopped tomorrow? How would you pay the bills if you were disabled? A disability could last for weeks, months or even longer. Would you: Be able to rely on your savings? Borrow from friends or family? Depend on your credit cards? Would medical insurance, workers compensation or social security disability cover your earnings if you became disabled? The answer is NO in most cases. 38

39 Its important to know your policys definition of disability. You are disabled when Unum determines that: You are limited from performing the material and substantial duties of your regular occupation due to sickness or injury; and You have a 20% or more loss in weekly earnings due to the same sickness or injury 39

40 How much coverage can you have? Base Policy: If you meet the definition of disability, you would be eligible to receive a weekly benefit equal to 40% of your basic weekly earnings, up to a maximum of $200 per week. This benefit is paid for by the City of Frisco for every benefits-eligible employee. Buy-Up Policy: If you meet the definition of disability, you would be eligible to receive a weekly benefit equal to 60% of your basic weekly earnings, up to a maximum of $1,000 per week. You can choose to buy 20% additional benefit, for a total weekly benefit of 60%. What is the elimination period? 30 days Your benefit amount What else do I need to know: If you are disabled, you may receive a benefit for up to 22 weeks. 40

41 Long-Term Disability Insurance An overview of the benefits EN-1544 (7-12) 41

42 A disability could last for weeks, months or even longer. Could you pay your bills for months without a paycheck? Most people cant afford it. Would you: Be able to access money you have saved? Borrow from friends or family? Run up credit card debt? Would other insurance help? Most often it does not. Medical insurance doesnt replace lost income. Workers compensation only covers job-related issues. Social Security disability only helps if your disability is terminal or is expected to last at least a year. 42

43 Know your plans definition of disability Its important to understand what is covered. You are limited from performing the duties required of your regular occupation due to sickness or injury; and You have a 20% or more loss of monthly earnings due to the sickness or injury; and You are under the regular care of a physician. Does this plan cover mental disability? Disabilities due to mental illness and disabilities based primarily on self-reported symptoms have a limited payment period of 24 months per lifetime. Such benefits would continue beyond 24 months only if you are institutionalized or hospitalized as a result of the disability. 43

44 What is the Plan Design? Your monthly LTD benefit amount equals 60 % of your basic monthly earnings to a maximum of $5,500 As long as you continue to meet the definition of disability, your LTD benefits are payable up to age 65. If you are over the age of 60 on the date of your disability, your maximum period of payment will occur according to the schedule specified in your contract. What is the elimination period? 180 days 44 Your benefit amount *Please refer to your policy certificate for the full list of offsets Benefit Duration Important things to consider 44

45 Can other benefits reduce my disability benefits? Your disability benefit may be reduced by the amount of other income replacement you receive for the same disability, such as benefits from Social Security, workers compensation.* An example of how the amount of benefit may be reduced or offset by income from other sources: Individuals weekly pre-disability earnings:...........$3,000 Long term disability benefit percentage:............... x 60% Unreduced maximum benefit:............................. $1,800 Less Social Security disability benefit per month:... $900 Less state disability income benefit per month:......-$300 Monthly long term disability benefit:.....................$600 45 *Example above illustrates how at least two common reductions would reduce the maximum benefit the individual would receive (benefit percent and amounts are for illustration purposes only and may not be representative of your plan). Please refer to your policy certificate for the full list of offsets 45

46 Worldwide emergency travel assistance is included with this benefit For travel: Anywhere in the world 24-hour phone access to: Pre-qualified medical providers Access to western-style medicine Ambulance and air ambulance Lost/stolen medication replacement…and more Covers: Business and personal travel Family members Worldwide emergency travel assistance services are provided by Assist America, Inc. These services are available with selected Unum insurance offerings. Exclusions, limitations and prior notice requirements may apply, and service features, terms and eligibility criteria are subject to change. The services are not valid after termination of coverage and may be withdrawn at any time. Please contact your Unum representative for full details. Assist America pays for all assistance services it provides. Medical expenses such as prescriptions or physician, lab or medical facility fees are paid by the employee or the employees health insurance. 46

47 Group Accident Insurance An overview of the benefits EN-1604 (06-13) 47

48 Why Do You Need Accident Insurance? The benefit offerings An accidental injury can bust your budget Accident insurance can pay a benefit directly to you if you suffer a covered injury. It can offset the high cost of co-pays, deductibles and other expenses your medical insurance doesnt cover. Robs story Rob bought a new bike so he could lose a few pounds but he lost his balance instead. He was diagnosed with a torn knee ligament and a broken toe. Rob had one lucky break his accident insurance paid him $900! Heres how Robs plan helped: $400 ambulance benefit 1 $150 emergency room benefit 2 $100 fractured toe $150 two follow up visits $100 crutches If Rob was more seriously injured, this plan could: Pay a catastrophic benefit up to $100,000 3 Cover loss of sight, hearing, paralysis, etc. Pay a death benefit of $50,000 if he dies due to an accident Benefit amounts are for illustration purposes only. Actual benefit amounts can change depending on actual plan design and situs state. 1 In CT, there is a $500 benefit payable for outpatient emergency room medical care for accidental ingestion of a controlled substance. 2 In CA and CT, no ground or air ambulance benefit is payable. 3 In ME, catastrophic benefits amounts vary. 48

49 How accident insurance works How it protects Pays a lump-sum benefit based on type of injury sustained and treatment needed Covered injuries include broken bones, cuts, burns, eye injuries, ruptured discs, coma, etc. Benefit can be used however you choose The benefit offerings 49

50 Additional coverage options Wellness Benefit Each covered individual will automatically receive the health screening benefit rider, which can pay $50 annual for a covered health screening test 1. Covered tests include: Colonoscopy Mammography Pap smear Skin cancer biopsy PSA (blood test for prostate cancer) Serum cholesterol test to determine LDL and HDL levels Stress test on a bicycle or treadmill ¹Not available in all states 50

51 Available family coverage Employee coverage Accident insurance is offered to all eligible employees who are actively at work¹. Spouse coverage Spouses between the ages of 17 and 64. Must live in the United States Child coverage Coverage is available to children, stepchildren, and legally adopted children newborn to 26 years* who depend on the employee for support. The benefit offerings *In GA, IL and ND, child coverage is available newborn until their 27th birthday. 1 Being actively at work means that on the day the employee applies for coverage, he/she is working at one of his/her companys business locations, or is working at a location where he/she is required to represent his/her company. If he/she is applying for coverage on a day that is not a workday, then he/she will be considered actively at work if he/she meets this definition as of the last scheduled workday. Employees are not considered actively at work if their normal duties are limited or altered due to their health, or if they are on a leave of absence. 51

52 52 No health questions to answer for the base plan. If you apply, you automatically receive the base plan. Your coverage is portable, so you take it even if you leave the company or retire. Unum will bill you directly for the same premium. Premiums are conveniently deducted from your paycheck. Family coverage available. Why purchase accident insurance coverage?

53 Group Critical Illness Insurance An overview of the benefits Underwritten by: Unum Life Insurance Company of America EN-1197 (8-11) (03/2013 ) 53

54 Why buy critical illness insurance? If you are ill and cant work, how would you pay for everyday expenses such as: Mortgage Car payment Credit card payments Household expenses Dependent care The costs for care and treatment of a critical illness. Health insurance typically covers Diagnostic tests Transportation to health facilities Private nursing or home health care Alternative or experimental treatments Health insurance may not cover: 54

55 Could your wallet survive a serious illness? Critical illness insurance can help you keep your finances in check, by providing a benefit when the expenses of a serious illness start to add up. Lisas story: Lisa was planning her daughters wedding when a stroke disrupted her plans. Thanks to her critical illness coverage, Lisa was able to afford the out-of-pocket costs her medical insurance didnt cover. Lisas critical illness insurance helped cover the cost Because she had selected a benefit amount of $20,000, her plan paid her that amount in a lump sum, regardless of what she spent. Lisa could use it for her out-of-pocket costs and to help pay the bills while she was unable to work. Lisa was able to focus on her goal for recovery: to dance at her daughters wedding! 55

56 56 Advantages A benefit can be paid for each covered condition Employee-paid coverage is portable Dependent children are automatically covered at 25% of the employee benefit amount Additional diagnosis benefit Multiple payouts automatically included in the plan design Each condition payable once per lifetime per covered individual Additional benefits payable for diagnosis of another critical illness if separated by 90 days or more and medically unrelated Group Critical Illness Plan Benefits

57 Covered conditions Blindness Benign brain tumor Coronary artery bypass surgery* End-stage renal (kidney) failure Heart attack Major organ failure Stroke* Covered conditions due to injury Coma Permanent paralysis Occupational HIV Optional cancer coverage Cancer Carcinoma in situ** Specific childhood conditions Cerebral palsy; cleft lip or palate; cystic fibrosis; Down syndrome; spina bifida The benefit offering PA – Permanent paralysis is not a covered condition. CA, IN and MN – Occupational HIV is not a covered condition. FL – Portability is not available. ID, NH – Outline of coverage provided at time of application. GA, CA, ME, TX – Comprehensive Health coverage is required. * In NH Stroke is call Severe Stroke. Also, Coronary artery bypass surgery and Carcinoma y situ for children is covered at 100% of the employees payable benefit amount. **100% of the benefit payable for each covered condition, with the exception of coronary artery bypass surgery and carcinoma in situ, which are paid at 25% of the purchased benefit amount. Please see policy definitions for complete details about these covered conditions. 57

58 Each covered individual will automatically receive the wellness benefit, which can pay $50 per calendar year per insured individual 1 if a covered health screening test is performed. Screening tests include, but are not limited to: 1 Insured individuals are eligible for benefits 30 days after the effective date of coverage. Wellness benefit Colonoscopy Mammography Pap smear Skin cancer biopsy PSA (blood test for prostate cancer) Chest X-rays Stress test on a bicycle or treadmill 58

59 This benefit can provide: An additional payout for a second occurrence of: A benign brain tumor Heart attack Coma Stroke A benefit payout of 100% 12 months must elapse between occurrences of the same condition Recurrence benefit 59

60 Family coverage options Who can have it?Benefit Employees who are actively at work $5,000 to $50,000 in $1,000 increments Children newborn to age 26, regardless of marital or student status. All eligible children are automatically covered at 25% of the employee benefit amount (no additional cost) Eligible children are covered for the same conditions as the employee and some specific childhood conditions. Diagnosis must occur after the childs coverage effective date. Spouse ages 17 through 64 with purchase of employee coverage $5,000 to $30,000 in $1,000 increments 60

61 Employee Enrollment 61

62 Log in User name: your first initial, last name and employee number If you forgot your password, enter your user name and click on FORGOT PASSWORD to retrieve your hint, then follow the instructions and the link to have a temporary password issued. You can also contact HR for assistance. Adding Dependents for the first time Dates of birth and social security numbers are required. You will also need to provide proof of dependency (marriage certificate; birth or adoption certification; etc.) to HR. Availability This site is unavailable every Thursday at 10:00 p.m. – 5:00 a.m. for maintenance. Employee Self-Service (ESS) 62

63 NEW FOR 2014 Worksite Benefits – Accident and Critical Illness Payroll deductions for all AFLAC policies will end 12/31/2013. If you want to keep your AFLAC policy/policies, you must contact Dennis Esarte, AFLAC rep., to arrange payment directly to AFLAC. You may keep any AFLAC policies you currently have and elect the UNUM Worksite Benefits. If you elect the UNUM Accident or Critical Illness benefits, you must call the City of Frisco Benefits Center at 1.888.659.1477 to complete your enrollment within the deadline. Otherwise, your election will be considered invalid and will be cancelled. 63

64 Additional Benefits paid by City of Frisco Basic Life $50,000 for all benefits-eligible employees Basic AD&D $50,000 for all benefits-eligible employees Death must result from accident TMRS Death Benefit 1X your annual salary If retired, $7,500 Supplemental AD&D Benefit Police Officers and Firefighters only $100,000 policy 64

65 Compass Health Services A Compass Health Pro can assist you with: Finding a quality doctor/scheduling the appointment for you Answering questions about your health insurance Assist with pricing estimates for Medical, Rx, Dental and Vision services Help you to reconcile your medical bills Assisting your dependents even if on a different benefit plan

66 Compass Health Services All your information is confidential Compass does not receive any money for recommending a doctor, lab, hospital, etc. Medical advice is not provided Your Health Pro is available by phone or email Monday-Friday 8:00 am – 6:00 pm 66

67 REMINDERS Benefits effective Jan. 1-Dec. 31 Deductions begin Jan. 3, 2014 pay check Call the City of Frisco Benefits Center to complete your enrollment if you elect the Unum Accident or Critical Illness benefits Enrollment Deadline: 12 Noon, Monday, Oct. 21 st http://chv-munisweb.mss/ from work http://chv-munisweb.mss/ https://ess.friscotexas.gov from home https://ess.friscotexas.gov 67


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