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PLAN YEAR 2008 OKLAHOMA 1907-2007 A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Option Period Benefits Enrollment.

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Presentation on theme: "PLAN YEAR 2008 OKLAHOMA 1907-2007 A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Option Period Benefits Enrollment."— Presentation transcript:

1 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Option Period Benefits Enrollment

2 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Choose a health and dental plan Enroll in basic life insurance ($20,000) Enroll in disability insurance All State Employees Are Required To:

3 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Enroll in Vision Benefits Enroll in Supplement Life & Dependent Life Insurance Add Dependent Coverage (health, life, dental & vision) These are optional benefits All State Employees may Choose to:

4 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Online enrollment - Fast, easy, and available 24 hours a day. Enroll online through midnight November 2, 2007 at Use the handy Benefits Calculator. or Paper Enrollment - Your Benefits Coordinator will provide you with your paper enrollment form. Complete, sign, date the form and return it to your Coordinator prior to your Coordinators established deadline. TWO WAYS TO complete your ENROLLMENT

5 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council BENEFITS CALCULATOR Use the Online Benefits Calculator to see how different benefit elections affect your take- home pay. Select the Easy Plan Calculator link on the EBC Home Page.

6 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Locate your Welcome/Password letter Have your USER ID and password ready Log on to Find the login section in the upper right corner Enter your User ID and password Enroll Online at Join the Revolution! Enroll Online

7 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council ONLINE ENROLLMENT PASSWORD LETTER Log onto Locate User ID on letter Employee ID used (no longer using social security number)

8 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Type your ID and Password here for Online Enrollment

9 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Make your selections Sign and date your Enrollment Form List dependents on back of form Complete separate form for Supplemental Life (Additional documentation may be required) Check with your Benefits Coordinator for the deadline to submit your enrollment form Paper Enrollment Tips

10 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council ENROLLMENT PAPER FORM Add or drop your dependent coverage in plans by completing the back side of the paper enrollment form. Remember! If you cover one dependent, you must cover all dependents.

11 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council MATERIALS FOR PLAN YEAR 2008 You should have the following materials: Benefits Enrollment Guide 2008 Health Plans Comparison Guide 2008 (Gold Booklet) Provider Guide 2008

12 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Paper Enrollment Form BAS Letter with User ID and password Online Enrollment BAS brochure You should also have the following:

13 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Premium Conversion = Tax Savings You will be automatically enrolled in premium conversion unless you choose no during online enrollment or on your paper form –Nearly 97% of employees currently choose premium conversion –You pay NO TAX on eligible insurance premiums Enrollment Options

14 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Health Plan options available for 2008 include: HealthChoice High HealthChoice Basic HealthChoice S-Account Aetna Standard HMO Aetna Alternative HMO CommunityCare Standard HMO CommunityCare Alternative HMO GlobalHealth Standard HMO GlobalHealth Alternative HMO PacifiCare Standard HMO PacifiCare Alternative HMO THE TRICARE SUPPLEMENT DOES NOT RETURN HEALTH PLAN OPTIONS

15 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council All HMO carriers return with NO CHANGE in the Standard and Alternative plan designs. Check your Enrollment Guide for the new 2008 coverage areas and premium rates. HMO PLAN OPTIONS

16 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council All HealthChoice plans will no longer require a six month waiting period for pre-existing conditions. Pre-certification of specific diagnostic imaging services will be required or a penalty will apply. Prior authorization for smoking cessation drugs will no longer be required. Limit of two treatment cycles per year. HEALTHCHOICE PLAN CHANGES

17 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council HealthChoice S – Account $1,500 Single Deductible $3,000 Family Deductible Important! Requires verification that a Health Savings Account has been opened at the financial institution of your choice. Verification must be received by December 15, 2007 or enrollment will default to previous years enrollment elections. You will lose Flexible Spending Account enrollment. NEW HealthChoice High Deductible Health Plan

18 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council No participation in Flexible Spending HealthCare Account Not eligible to elect S-Account if participating in spouses Flexible Spending HealthCare Account Please carefully read the introduction to the plan on page 6 of the Enrollment Guide and review the Health Plan Comparison Booklet HealthChoice S-Account limits include:

19 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Be sure to look at your Gold Health Plan Comparison Booklet carefully to review all health plan designs offered.

20 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Federal legislation has changed the Retired Military Opt-Out rule. TRICARE Supplement Insurance will no longer be available. See page 5 of your Enrollment Guide. RETIRED MILITARY OPT-OUT

21 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council DENTAL PLAN OPTIONS Seven plans available for 2008 Assurant Heritage Prepaid Assurant Secure Prepaid Assurant Freedom PPO CIGNA Prepaid Dental Deltas Choice Delta Dental PPO - POS HealthChoice Dental

22 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Annual maximum benefit has increased to $2,000 Annual orthodontic benefit minimum has increased to $1,800 Prepaid Plans: Must choose primary care dentist from network, copayment required for services Traditional plans: (HealthChoice and Delta Dental) have statewide network, share costs through co-insurance plan design DENTAL PLANS

23 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Assurant Secure Prepaid Lower premiums Moderately higher copays Must choose a primary care dentist in-network Check rates and plan designs for all dental carriers on pages 8 & 9 of Enrollment Guide New Dental Plan Available

24 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council All five vision plans return this year. Coverage is provided by the following: CompBenefits Primary Vision Care Services (PVCS) Spectera Superior Vision Services Vision Service Plan (VSP) Be sure to make an enrollment election if you want to change your vision carrier or do not want vision in VISION PLANS

25 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council BENEFIT ALLOWANCE State employees receive a generous benefit allowance from the State that offsets premium costs. The benefit allowance amounts for 2008 are as follows:

26 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council For expenses not covered by your health plan, use a Flexible Spending Account. This is a great way to fund out of pocket expenses and receive tax savings. Two types are available: Health Care Account Dependent Care Account FLEXIBLE SPENDING ACCOUNTS

27 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Use a Debit Card for most eligible FSA expenses! Just swipe the card to pay! Enroll for debit card during online enrollment or check yes on paper form. Had a card last year and want to use it again in 2008? Check yes online or on paper, and use the same card you presently have. Debit card is only available when participating in a Flexible Spending Account. Convenient and Free!

28 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council The Health Care Account maximum contribution is $350 per month. Contribute as little as $10 per month. Dependent Care Account minimum monthly contribution is $50. The maximum monthly contribution is $

29 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council You also have additional time to incur eligible expenses. Eligible expenses can be incurred until March 15th after the end of the Plan Year. To estimate your eligible expenses use the online FSA calculator on EBCs web site – or visit

30 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council SUPPLEMENTAL LIFE Coverage available in $20,000 units. $300,000 maximum or 5x salary, whichever is LESS. Complete Life Application Form & send directly to address on form. Deadline for submission is postmark of November 9, 2007 Salary verification required for increases in coverage

31 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council DEPENDENT LIFE Premier Option $20,000 spouse/$10,000 ea child/$1,000 newborn to 6 months Standard Option $10,000 spouse/$5,000 ea child/$1,000 newborn to 6 month Low Option $6,000 spouse/$3,000 ea. Child/$1,000 newborn to 6 months

32 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council DISABILITY INSURANCE Monthly Maximum Disability Income for Short- term disability is $2,500 per month Monthly Maximum Disability Income for Long- term disability is $3,000 per month

33 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council OK HEALTH Mentoring Program Enroll in a free program to assess your health and receive up to 23 visits free with a professional mentor. Your agency may provide an additional financial incentive to participate. Enroll online at If you are already enrolled, you do not need to enroll again.

34 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council This is the time of year to add or drop dependents from coverage. Remember: If you cover one dependent, you must cover all dependents for that benefit election. Your benefit choices and dependent elections are irrevocable. Changes after Option Period are only allowed if you qualify for certain events described by the IRS. When selecting a benefits plan, remember that you select the plan, not your doctor. If your doctor ceases to participate in your plans network during the Plan Year, you will not be able to switch plans. You will, however, be able to choose another doctor. Your enrollment materials contain valuable phone numbers and web site addresses. Important Notes

35 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council To participate in a health care or dependent care reimbursement account, you must re-enroll each year. Choose only one method of enrollment – Online or Paper Important Notes

36 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Be sure to enroll on time. Take your enrollment seriously. Failure to enroll may have consequences you didnt intend. If you fail to enroll, your medical, dental and vision plan elections will remain the same as your 2007 elections. Elections for Flexible Spending Accounts terminate if you fail to enroll. You will automatically be enrolled in Premium Conversion Enroll Online at Make your elections on or before November 2, 2007 ENROLLMENT IS IMPORTANT!

37 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council Remember the BENEFITS CALCULATOR! Use the Online Benefits Calculator to see how different benefit elections affect your take- home pay. Select the Easy Plan Calculator link on the EBC Home Page.

38 PLAN YEAR 2008 OKLAHOMA A Unique History. An Extraordinary Future. Prepared by the Employees Benefits Council ENROLL ONLINE! Login to enroll Online on or after October 8 th. Option Period Runs from October 8th through November 2nd or your agencys deadline


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