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Annual Open Enrollment for benefits effective on January 1, 2013.

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Presentation on theme: "Annual Open Enrollment for benefits effective on January 1, 2013."— Presentation transcript:

1 Annual Open Enrollment for benefits effective on January 1, 2013

2 Open Enrollment dates October 22, 2012 through November 1, 2012

3 HEALTH CARE REFORM 2013 The Maximum Contribution to medical Flexible Spending Account (FSA) is now $2,500 Employees will receive a new Summary of Benefits and Coverage (SBC) The amount of money Brevard Public Schools contributes to your medical plan premiums will now be listed on your end of year W-2 for calendar year 2012

4 Preventive Care Services Based on age and gender Based on age and gender List provided on benefits website “Understanding Your Preventive Health Coverage” List provided on benefits website “Understanding Your Preventive Health Coverage” Annual Physicals, Well-woman exams, Mammograms, Immunizations, and PSA screenings Annual Physicals, Well-woman exams, Mammograms, Immunizations, and PSA screenings Provided at NO COST to you at In-network providers Provided at NO COST to you at In-network providers Early Detection + Treatment = A Healthier Life! Early Detection + Treatment = A Healthier Life!

5 BPS Preferred Health Centers Helping to keep you covered AND for a $15 Copay!

6 6 Titusville Royal Oaks Medical Center, Knox McRae Dr. Port St. John Royal Oaks Medical Center, U.S. 1 MedFast Urgent Care Center, Port St. John Parkway near I-95 Rockledge Sinai Walk-in Clinic, U.S. 1 south of Barton Blvd. Cocoa Beach MedFast Urgent Care Center, 520 Causeway at A1A Indialantic Surfside Urgent Care, th Avenue, Suite 204 Melbourne Dairy Road Urgent Care, At U.S. 192 MedFast Urgent Care Center, N. Wickham near Baytree Dr. MIMA Now Acute Care, Gateway Dr. at NASA Blvd. Palm Bay/Malabar 4Care Walk-In Clinic, Malabar Rd. SE near Eldron Blvd. MedFast Urgent Care Center, 490 Centre Lake Dr., Suite 200 MIMA Now Acute Care, 730 Malabar Road Palm Bay Urgent Care, Malabar Rd. near I-95

7 BPS Preferred Health Centers High-quality staff Lab work Basic imaging services Coordination with PCP Evening & weekend hours All for a $15 copay!

8 Urgent Care vs. Emergency Room Urgent Care Minor burns or injuries Minor burns or injuries Sprains and strains Sprains and strains Colds and sore throats Colds and sore throats Fever or flu symptoms Fever or flu symptoms Ear infections Ear infections Rash or skin irritations Rash or skin irritations Mild asthma Mild asthma Animal bites Animal bites Emergency Room Emergency Room Chest Pain Difficulty breathing Severe bleeding Head trauma Loss of consciousness Sudden loss of vision Blurred vision

9 Where you get treatment matters - Always utilize In-network Providers, Quest and LabCorp for Routine Lab services - Always utilize In-network Providers, Quest and LabCorp for Routine Lab services $0 Copay $0 Copay Saves you and the BPS Health Plan money Saves you and the BPS Health Plan money - Costs of treatment varies based on where the service is rendered - Costs of treatment varies based on where the service is rendered MRI at an Outpatient Imaging Center can be up to half the cost for the same procedure at a Hospital. MRI at an Outpatient Imaging Center can be up to half the cost for the same procedure at a Hospital. 20% of $500 = $100 vs. 20% of $1,000 = $200 20% of $500 = $100 vs. 20% of $1,000 = $200

10 Save Money on Prescriptions Utilize Generic meds Utilize Preferred Brands when a Generic is not available Cigna Home Delivery: 90-day supply for 2 copays $4 Medication Lists Free Antibiotics at Publix Visit

11 BPS PHARMACY COVERAGE Lower cost prescriptions Coordinates with your doctor Based on only 14 categories of non-preferred drugs Details on the web at Step Therapy Program

12 BPS Employee Benefits: We’ve Got You Covered! Your benefits are not changing: Dental Plan No changes Vision Plan No changes Life & AD&D No changes STD & LTD No changes Benefits website:

13 DELTACARE DHMO PLANS EMPLOYEE MONTHLY PREMIUM EMPLOYEE MONTHLY PREMIUM TierDeltaCare USA Low DeltaCare USA High Employee$ 9.31$16.07 Employee + 1$15.39$29.85 Employee + 2 or More$22.76$43.60

14 DELTA DENTAL PPO PLANS EMPLOYEE MONTHLY PREMIUM EMPLOYEE MONTHLY PREMIUMTier Delta Low PPO Delta High PPO Employee$26.69$33.72 Employee + 1$52.93$67.01 Employee + 2 or More$77.80$98.47

15 SPOUSAL SURCHARGE FOR MEDICAL COVERAGE ONLY Will NOT apply IF your spouse: Is not employed Is not employed Works for an employer who does not offer medical insurance Works for an employer who does not offer medical insurance Is an employee of Brevard Public Schools Is an employee of Brevard Public Schools Is eligible for a government-sponsored plan, such as Medicare Is eligible for a government-sponsored plan, such as Medicare Elects coverage through own employer and chooses to enroll in the BPS Health Plan as secondary Elects coverage through own employer and chooses to enroll in the BPS Health Plan as secondary

16 SPOUSAL SURCHARGE Even if you have PREVIOUSLY completed an Affidavit, you are required to update it while making your benefits selections in enrolling again this year. Even if you have PREVIOUSLY completed an Affidavit, you are required to update it while making your benefits selections in enrolling again this year. If you are enrolling a spouse you MUST complete an Original Affidavit each year. If you are enrolling a spouse you MUST complete an Original Affidavit each year. If the surcharge does not apply to your situation, it will be removed IF the Benefits Department receives your completed Original Affidavit If the surcharge does not apply to your situation, it will be removed IF the Benefits Department receives your completed Original Affidavit Affidavit is available on enrollment website Affidavit is available on enrollment website An ORIGINAL affidavit MUST be returned to Benefits by November 15, 2012 An ORIGINAL affidavit MUST be returned to Benefits by November 15, 2012

17 When Does a Dependent Child’s Coverage Terminate? Federal Health Care Reform requires all Group Health Plans to extend the maximum age for dependent children to the DAY the dependent child turns 26 years of age. Florida Statute provides a qualified dependent child coverage until the END OF THE CALENDAR YEAR in which dependent child turns 30 years of age. If your dependent child is between the ages of 26 and 30 and qualifies for coverage, you must complete the Dependent Age Affidavit to receive coverage.

18 YOUR MEDICAL FLEXIBLE SPENDING ACCOUNT ● A good way to pay eligible expenses with TAX FREE dollars TAX FREE dollars ● Must enroll in a new FSA for the 2013 plan year ● Can elect up to $2,500 (Lowered from previous max of $5,000 due to Health Care Reform) Full amount elected available on January 1, 2013 Full amount elected available on January 1, 2013 Must incur expenses by March 15, 2014 Must incur expenses by March 15, 2014 Use it or lose it! Any unused monies are forfeited Use it or lose it! Any unused monies are forfeited

19 Dependent Care FSA You can set aside pre-tax amounts up to $5,000/$2,500 annually for dependent care expenses which are incurred to enable you and your spouse, if applicable, to work You can set aside pre-tax amounts up to $5,000/$2,500 annually for dependent care expenses which are incurred to enable you and your spouse, if applicable, to work Account is not pre-funded. Account is not pre-funded. Only use the amount that has Only use the amount that has been funded through your been funded through your payroll deductions. You will lose what you don’t You will lose what you don’t use. use.

20 Enrollment Is Not Mandatory This Year! You can keep most of your current benefits without doing a thing! The 4 Exceptions: 1.Spouse Medical Affidavit 2.Dependent Affidavit 3.Medical FSA 4.Dependent Care FSA

21 SAMPLE ENROLLMENT SCREEN SAMPLE ENROLLMENT SCREEN

22 Information on ALL plans and any changes is available on the District Website We want you to be engaged in your health and well informed about your employee benefits! Visit: or your questions to: or your questions to:


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