1. 2016 Benefits open enrollment review
City of Marietta
2016 Benefits open enrollment review

2. ShawHankins Service Center- can answer questions on all benefits
Available 8:00 am – 5:00 pm during open enrollment
Benefit Resource Center- shawhankinsbenefits.net/cityofmarietta
All elections will be made using the ShawHankins bswift enrollment portal

3. Changes for 2016 BCBS POS and PPO Plans
No Changes to these Medical Plans
Piedmont/Wellstar plan will no longer be offered
Dental plan-new buy up option
Optional Vision Plan- new buy up option
Life insurance and VTL will be administered by Lincoln Financial
Basic Life now cover 3 x salary up to $300,000 max
VTL now purchased in $10,000 increments instead of salary

4. Changes for 2016
Disability coverage will be administered by Lincoln Financial
STD will now be on a group plan with lower premiums (was Colonial)
LTD will increase from coverage of 50% of salary to 60% of salary
Legal coverage vendor changing to ARAG
Additional coverage for divorce, real estate disputes, identity theft
New Benefits through Unum
Whole life with Long Term Care
Accident
Critical Illness

5. Open Enrollment Open Enrollment is October 26-November 13
Enrollment Assistance will be available November 2-6
ShawHankins will be available to answer questions and assist with online enrollment
Open Enrollment is your opportunity to make elections for 2016
Only time you can make a change to those elections is if you experience a qualifying event:
Marriage, divorce
Birth or adoption
Change in your or your spouse’s work status that affects benefits
Spouse’s annual open enrollment period
Change in dependent eligibility status
Change in eligibility for Medicaid or Medicare
Death of dependent
Court order

6. Bswift Online Enrollment
Make all elections through Bswift enrollment portal
Username: first letter of first name, last name, and year of birth
Example: JSmith1972
Password: employee ID number
If you do not make elections through the enrollment portal, your coverage will roll over for the 2016 plan year. You will not be permitted to make changes after the open enrollment period ends, unless you experience a qualifying event.
You must make new FSA elections for 2016 to continue to participate in this plan. You will now be able to enroll in the FSA through bswift.

7. Benefits Fair
Monday November 2nd
7:00 am-4:00 pm
Custer Park Gym

8. Medical and Prescription Coverage

10. PPO Plan-Grandfathered Employees
PPO Plan-Grandfathered Employees
Key Benefit
In-Network
Out of Network
Lifetime Maximum
Unlimited
Deductible
Coinsurance
$800 per person
$2,400 per family
$1,200 per person
$3,600 per family
80% plan / 20% member
70% plan / 30% member
Maximum Annual
Out-of-Pocket Limit
$6,600 per person
$13,200 per family
No maximum
Out of Pocket Maximum includes deductible, coinsurance and all copays – Office Visit, Urgent Care, Emergency Room and Prescriptions
Office Visits
Primary Care Physician
Specialty Care Physician
Urgent Care Facilities
Plan pays 80% after deductible
Plan pays 70% after deductible
Routine Preventive Care
No charge
Inpatient Hospital Facility Services, Physician’s Visits/Consultations, Professional Services
$300 per admit , then plan pays 70% after deductible
Outpatient Facility Services, Professional Services
Hospital Emergency Room

12. Hired Prior to November 1, 2006 PPO Plan Active Employees
POS Plan
Active Employees
Hired Prior to November 1, 2006
PPO Plan
Active Employees
Hired Prior to November 14, 1996
Weekly
Employee
Employee + Spouse
Employee + Children
Family
$0.00
$13.59
$10.87
$24.91
Monthly
$58.89
$47.10
$107.94
Weekly
Employee
Employee + Spouse
Employee + Children
Family
$0.00
$43.08
$34.46
$85.29
Monthly
$186.66
$149.34
$369.61
POS Plan
Active Employees
Hired November 1, 2006 or Later
Weekly
Employee
Employee + Spouse
Employee + Children
Family
$11.28
$25.77
$22.87
$36.19
Monthly
$48.88
$111.67
$99.10
$156.82

13. Dental Coverage No change to current plan design or cost with BCBSGA
New Buy Up Plan option
Locate participating providers at bcbsga.com- Prime and Complete Network
CURRENT- BCBS Dental
Base Plan
NEW-BCBS Dental
Buy Up Plan
In-network
Out-of-network
Annual maximum
$1,000 per person
$1,500 per person
Deductible (Single/Family)
$25/$75
Diagnostic/preventive services*
100%
Basic benefit services
80%
Major benefit services
50%
Orthodontic services
Not Covered
50% to $1,000 Lifetime Max

14. Flexible Spending Accounts
Will be administered by TASC for 2016
Participants will receive a new Debit Card
Two separate accounts- Medical Spending Account and Dependent Care Spending Account
Allows you to set aside pre-tax dollars to spend on qualified expenses, saving on your taxable income
Must make new elections for via bswift

15. Flexible Spending Accounts
Medical Spending Account
Maximum contribution of $2,500
Some eligible expenses- Deductibles, copayments, dental expense, vision services and materials
Dependent Care Spending Account
$5,000 for married couple filing joint income tax returns, $2,500 if unmarried or married and filing separate income taxes
Some eligible expenses- any care of a dependent that allows you and your spouse to work: day care, after school program, in-home care, camps
May rollover up to $500 left in the Medical Spending Account at the end of the year. Any other unused funds will be forfeited.

16. Basic Life and AD&D
City of Marietta provides basic life and AD&D benefit at no cost to you
Provided through Lincoln Financial
City Council Employees: $150,000
Closed Group of Public Safety Employees: $40,000
All Other Employees: 3 x your annual earnings, maximum $300,000*

17. Optional Life Insurance
Purchase coverage for yourself in $10,000 increments up to a max of 5 x earnings or $420,000
Elect coverage for your spouse in increments of $5,000 up to $100,000, or 50% of employee election
Coverage for your children of $10,000
If you are currently enrolled, you may elect to increase current coverage by 2 benefit increments for yourself and your spouse. without submitting evidence of insurability. Employees that have declined this coverage in the past and wish to add coverage at this time may purchase up to $20,000 for themselves and up to $10,000 for their spouse without submitting evidence of insurability.

18. Long Term Disability Coverage
Provided through Lincoln Financial
Pays a benefit after you are disabled for 180 days
Covers 60% of your earnings up to a maximum of $5,300 per month.
Continues to pay until you can return to work or reach SSNRA
Elect coverage through bswift
For 2016, there will be an open enrollment for the Long Term Disability coverage. If you enroll now, you will not be required to submit evidence of insurability to enroll.

19. Short Term Disability Coverage
Now have group Short Term Disability coverage through Lincoln Financial-lower premiums
Pays after you are disabled for 14 days
Covers 60% of your salary, up to $2,500 per week
Pays for up to 24 weeks of disability
Enroll through bswift
For 2016, there will be an open enrollment for the Long Term Disability coverage. If you enroll now, you will not be required to submit evidence of insurability to enroll.

20. Optional Vision Coverage
May choose between current plan (no change in plan or rates) and new Buy Up Plan
Avesis Vision
CURRENT –Base Plan
NEW-Buy Up Plan
In-network
Out-of-network reimbursement
Exam
$10 copay
$35
$45
Standard lenses
$25 copay
$25 single, $40 bifocal, $50 trifocal
$15 copay
$40 single, $60 bifocal, $80 trifocal
Frames
$50 wholesale allowance
$65 wholesale allowance
$75
Contact lenses
$130 allowance
$130
$150 allowance
$150
Medically necessary contact lenses
Paid in full
$250
Laser vision correction
$150 allowance
$300 allowance
$300

21. Legal Services Will be available through ARAG for 2016
Access to a nationwide network of attorneys
Work with you in person, over the phone or online on legal issues
Review or prepare documents
Make calls or write letters on your behalf
Represent you in court
Family law, real estate matters, civil damage claims, criminal matters, debt related matters, dispute with a landlord, government benefits, small claims court, tax issues, traffic matters,
Includes ID theft protection-monitoring, restoration, lost wallet service, $1,000,000 in insurance

22. Unum Benefit Options Whole Life with Long Term Care Rider Option
Accident Insurance
Critical Illness Insurance, with Cancer coverage
Please note: UNUM will provide all worksite products for 2016 (Whole life, Critical Illness, and Group Accident Plans) If you prefer to retain your Colonial coverage, you must decline Unum coverage and pay Colonial directly. Your current Colonial coverage will rollover to the Unum plans if you make no election for 2016.

23. Questions?