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

ShawHankins Service Center- can answer questions on all benefits Available 8:00 am – 5:00 pm during open enrollment 800-994-7429 Benefit Resource Center- shawhankinsbenefits.net/cityofmarietta All elections will be made using the ShawHankins bswift enrollment portal

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

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

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

Bswift Online Enrollment Make all elections through Bswift enrollment portal www.cityofmarietta.bswift.com 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.

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

Medical and Prescription Coverage

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

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

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

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 2016- via bswift

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.

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*

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.

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.

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.

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

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

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.

Questions?