1. Benefits Open Enrollment Plan year April 1, 2013 - March 31, 2014

2. Appreciation and Thanks
Human Resources Team ICUBA Information Technology Auxiliary Services Property Management Conference Services Facilities Management

3. CIGNA Life & Disability Insurance
Florida Tech provides life insurance at no cost to benefit-eligible employees in an amount equal to one times annual compensation.
Employees may purchase additional life insurance for themselves & their dependents at a discounted group rate.
Coverage above $150,000 subject to Evidence of Insurability
Short-term disability (66 2/3%) & long-term disability (60%) coverage are provided at no cost to benefit-eligible employees.
Short-term disability provides 11-weeks income.
Short-term disability automatically transitions to long-term disability, if the employee can not return to work.
Long-term disability buy-up option provides an additional 6 2/3% benefit. Premiums are paid through payroll deduction.

4. Tuition Remission
Florida Tech continues to provide the following benefits:
100% tuition remission for all benefit-eligible employees - up to six credit hours per semester.
90% tuition remission for IRS-defined dependents for unlimited credit hours towards one degree.
100% University Alliance tuition remission for all benefit-eligible employees AND eligible dependents
See HR Website for policies or go to the Online Learning website

5. 403(b) Retirement Plan for 2013
IRS Maximum Employee Contribution = $17,500
If Age 50+ employee may contribute $5,500 more.
Florida Tech will MATCH 1% for each 1% of employee contributes - up to 5% each paycheck.
Employees may contribute to Lincoln Financial Group or TIAA-CREF.
Local representatives available for one-on-one financial planning:
Contact Richard Phelan with Lincoln Financial Group at
Contact Richard Chandres with TIAA CREF at

6. Mid-Year Changes
If you experience a qualifying event as defined by the IRS during the plan year, i.e. marriage, divorce, birth, or your spouse loses or gains coverage you may request a pre-tax benefit election change.
Request must by made within 30 days of the qualifying event.
Notify Human Resources in writing by submitting a “Pre-Tax Qualifying Event Change Request Form.”
Supporting legal documentation, such as a marriage license, divorce decree, birth certificate, or certificate of prior coverage will be necessary to process the change.

7. Members of the ICUBA Team

8. ICUBA Benefits MasterCard®
ICUBA Brand Partners
Company
Benefit
Contact
Will I Receive an
ID Card?
Health Insurance or
Yes
Prescription Drug Plan
(thru 3/31/13)
(after 4/1/13)
Yes - Catamaran ID cards will be mailed by end of March Walgreens Health Initiatives ID card will still be accepted
Walgreens Discount Card
Mental Health, Substance Abuse and Employee Assistance Program (EAP)
Back of BCBS Card
Health Care Spending Account
Dependent Care Spending Acct.
Health Reimbursement Account
ICUBA Benefits MasterCard®
Dental Insurance
(DHMO)
(PPO)
Eye Care Plan
Term Life, AD&D and
Long Term Disability Insurance
Contact Human Resources :

9. Plan Design Changes
Blue Choice Medical Plans: No NEW enrollees accepted for Plan Year 4/1/13 – 3/31/14. Choice plans will be discontinued effective 4/1/14.
Blue Choice PPO 80 Medical Plan: Discontinued effective 4/1/13.
Humana Dental Plans: New Preventive Plus Plan and new High Option PPO Plan. The DHMO Plan remains the same.
Wellness: Cash incentives to Health Reimbursement Account available. Health coaching available.
Summary of Benefits and Coverage (SBC): New healthcare reform document to assist you in comparing plans.

10. Save Money… Get the most out of your plan!
Choose generics; many generic drugs offer the same quality as brand-name drugs
Use 90-day mail order for prescription refills. Call Member Services at or go to
Use Florida Blue™ “Know Before You Go” at
FREE ICUBA Cares™ In-Network Benefits through Florida Blue:
Annual Physical
Annual Gynecological Exam
Lab Tests
Pap Tests
Mammograms
Urinalysis
Immunizations
Electrocardiograms
Echocardiograms
Colonoscopies & Sigmoidoscopies
Colorectal Screenings
Prostate Cancer Screenings
Bone Mineral Density Tests
Allergy Injections
Request prescribed generic folic acid and generic pre-natal vitamins for pregnancy
Healthy Additions $25 incentive for expectant mothers
Request prescribed diabetic supplies including meters, lancing devices, lancets, test strips, control solution, needles, and syringes
Employee Assistance Program (EAP) available to all employees and household members
$25 incentive for participating in a Personal Health Assessment at the health fair

11. View Your Benefits at http://icubabenefits.org

12. PPO Risk /Reward Blue Choice * PPO Risk/Reward Blue Options
Monthly Premiums ICUBA rates increased 3% for Blue Options Plans compared to % in the Florida market.
PPO 70 Blue Choice *
PPO 70 Blue Options
Employee Contribution
Employer Contribution
HRA
Employee
$175.00
$525.00
$60
$156.50
$469.50
Employee + Spouse
$349.50 $
$120
$313.00
$939.00
Employee + Child(ren)
$315.00
$945.00
$282.00
$846.00
Family
$489.25 $
$438.50 $
PPO Risk /Reward Blue Choice *
PPO Risk/Reward Blue Options
Employee Contribution
Employer Contribution
HRA
Employee
$138.50
$415.50
$100
$122.00
$366.00
Employee + Spouse
$277.00
$831.00
$200
$243.75
$731.25
Employee + Child(ren)
$249.25
$747.75
$219.50
$658.50
Family
$387.50 $
$341.25 $
*NO NEW enrollees accepted for Plan Year 4/1/13 – 0/31/14. Blue Choice Plans will be discontinued effective 4/1/14.

13. Plan Definitions
Deductibles: The cumulative amount that you must pay in the plan year before benefits will be paid by the Plan. If the Plan has a $1000 deductible, the Plan begins to pay after you have paid the first $1,000 for services in which the deductible is required.
Coinsurance: The percentage of a covered expense that you pay after the satisfaction of any applicable deductible. It is a defined percentage of the covered charges for services rendered. For example, the plan may pay for 70% of covered services and you pay 30%.
Co-pays (Co-payments): The fixed dollar amount you are required to pay each time a particular service is used. The co-pay does apply to your out-of-pocket maximum, but does not reduce amounts applied to the deductible or co-insurance.
Annual Out-of-Pocket Maximum: The maximum amount of deductible and co-insurance during any plan year that you pay before the plan begins to pay 100% of covered expenses for the remainder of the plan year.
Flexible Spending Account: A medical care or dependent care spending account in which you put aside pre-tax dollars to pay for eligible expenses.
Centers of Excellence: Preferred places of care with the best outcomes, finest operational standings and best patient care.

14. Side-by-Side Medical Plan Comparison
Plan Year
PPO 70 Blue Choice & Blue Options
PPO Risk/Reward Blue Choice & Blue Options
Network
Non Network
Deductible
Individual/Family
$1,000/$2,500
$1,500/$4,000
$2,000/$4,000
$3,500/$9,750
Coinsurance
30% after deductible
50% after deductible
20% after deductible
40% after deductible
Out of Pocket Maximum (includes all medical co-pays, deductibles, and coinsurance)
$3,000/$6,000
$6,000/$12,000
$3,500/$7,000
$7,000/$14,000
Physicians Office Visit (includes General Practice, Internal Medicine, Family Practice, Pediatrician, OB/GYN and Behavioral Health)
$20 co-pay;
no deductible
50%
after deductible
20%
40%
Specialist Office Visit, including Chiropractors and Therapists
$30 co-pay;
Wellness Exam $0
Not Covered
Outpatient Diagnostic Imaging
$100 co-pay and 30%
Urgent Care
20%;
Emergency Room Services
$100 co-pay
(waived if admitted) no deductible
(waived if admitted)
Hospital Inpatient
$250 co-pay, and 30% after deductible
$500 co-pay and 50% after deductible

15. Minimize Out-of-Pocket Expenses
Avoid un-necessary fees for lab work, always use QUEST Labs
Verify coverage with your provider PRIOR to appointment
If you are billed a facility fee for an office visit or are billed for an annual physical or annual gynecological exam, please advocate on your behalf and contact Florida Blue™ Customer Service at to have the claim properly adjusted
Pay your provider based on the Member Health Statements available at
Use your ICUBA MasterCard for office visit copays and other out-of-pocket expenses
Use your Walgreens Discount Card at Walgreens retail stores to purchase Walgreens brand products and earn cash credit

16. Florida Blue™ Mobile Apps
Features
Find A Doctor & Map – GPS based
View ID Card
Fax or ID Card
Claims Accessibility
Health Coach
24-hour Nurse line & Care Consultants
Rx Shopping & Price Comparison
Coverage Benefits & Accumulators
Health News & Views
Health Check Guidelines
Our mobile web and apps offer services for everyone - members and non-members
The goal of mobile is to engage & inform our consumers so they understand how to stay healthy and get the most of their healthcare and have informed conversations with their care providers

17. Catamaran Prescription Benefit Tiered Copays
Your Catamaran pharmacy benefit plan offers three tiers of drugs.
Bring the Preferred Medication List with you to the doctor to receive the lowest cost generic or brand prescription medications available for your therapy.
Call member services at or visit
Tier
Co-pay
30 day Retail/Mail Order/
90 day Retail
Definition
1st Tier:
Generics
$5/10/10
Generics contain the same active ingredient as their brand- name equivalents and offer the same effectiveness and safety. Some generics use a brand name instead of a chemical name. Both have the lowest co-pay.
2nd Tier:
Preferred
$27/50/60
Medications in this tier have been selected by your pharmacy benefit plan as preferred brand drugs. These drugs have higher co-pays than generics but are less costly than non-preferred medications on the third tier.
3rd Tier: Nonpreferred
$60/120/145
Because a generic version or a second-tier alternative is available, non-preferred medications have the highest co- pays and are not listed on the Preferred Medication List.
Maximum annual plan year out-of-pocket for prescription drug co-pay is $2,000 per individual; $4,000 for family.

18. Catamaran Prescription Enhancements
March 2013: New Catamaran ID cards will be sent by the end of March. Walgreens
Health Initiatives cards will still be accepted.
April 2013: Catamaran Member Portal
Obtain a list of preferred medications to maximize savings
Refill prescriptions for home delivery
Perform test co-pays for prescriptions
View prior authorization history
April 2013: Catamaran Mobile App
Free of charge
Find the lowest cost drug and pharmacy options
View prescription history
Key Features:
Fill-My-Scripts is a reminder to fill prescriptions.
Take-My-Meds is a reminder to take medications.
Mobile Advocate is designed to mimic behavior of provider to elicit action and participation.

19. MHNet Behavioral Health – Substance Abuse and EAP Benefits
Free Employee Assistance Program (EAP) services - up to six counseling sessions per issue per plan year - are available to ALL employees and everyone in an employee’s household. You do not need to be enrolled in any ICUBA benefit plan in order for you or a household member to access EAP services.
Client Connect® Provider Matching Service assists members in locating an appropriate provider for their current situation.
The MHNet website has many helpful resources including informative articles, interactive health and wellness instruments, health assessments and videos, family, personal, and mental health information, on-line seminars, discounts to vendors, and community resources.
Contact MHNet call
To access the website, go to
Username: ICUBA
Password:
MHNet contact information is on the back of your Blue Cross Blue Shield of Florida ID card, or contact Human Resources if not a participating member.

20. HRA and HCSA – What’s the difference?
Health Care Reimbursement Account
(HRA)
Funded by Florida Tech
Available for PPO 70 and Risk/Reward Plans
Funds rollover at the end of each plan year indefinitely
Account is portable after 36-months of continuous participation
Employee can have HRA alone without HCSA
Amount funded depends on medical plan
Funds deposited monthly
Health Care Spending Account (HCSA)
Funded by employee’s pre-tax dollars
Funds available first day of plan year
Can be used for qualified employee and eligible dependent medical expenses
No carry-over of funds from year to year (by IRS law) “Use-it-or-lose-it”
HCSA funds expended before tapping into HRA funds
Employee can have HCSA without HRA
Maximum annual contribution limited to $2,500 for under Health Care Reform

21. Flexible Spending Account for Dependent Care Expenses (DCSA)
Funded by employee’s pre-tax cdollars
Funds used to pay for qualified dependent care expenses
Maximum annual contribution limit for plan year 2013 – 2014 is $5,000
Qualified dependents are under age 13, or physically/mentally challenged adults who are unable to care for themselves
Funds are available as deducted from your paycheck
Funds available by using the ICUBA Benefits MasterCard
File your claims online at
Funds do not carry-over from year to year (by IRS law) “Use-it-or-lose-it”
The Dependent Care Flexible Spending Account or DCFSA is funded by employee pre-tax dollars and used to pay for qualified dependent care expenses.
The maximum annual contribution is $5,
Dependents are defined as being under the age of 13 but also could be a physically or mentally challenged adult who is your dependent and does not earn more than $3,200 a year.
These DCSFA can be accessed by using the ICUBA MasterCard debit card which is issued by MBI bank and administered by Outsource One or by filing a paper claim.
The Dependent Care Flexible Spending Account is subject to the use- it-or-lose-it rule and must be used before June 30th.
OE 2010

22. Low Option PPO Plan Replacement Enhancements to High Option PPO Plan
Humana Dental
Low Option PPO Plan Replacement
The Low Option PPO Plan will be replaced, effective 4/1/13, with the “Preventive Plus” Plan. This new plan provides coverage for preventive services, some basic services, and no major services.
Two additional preventive cleanings for a total of four cleanings per year.
Two periodontal cleanings per year to be covered at preventive levels of benefits.
Coverage for composite fillings on all teeth.
Addition of an Extended Annual Maximum Benefit paying 30% coinsurance after the annual maximum benefit is met.
Enhancements to High Option PPO Plan
Refer to the Dental Insurance Benefits Guide (handout) for information on how to find a dentist and How to select or switch a Primary Care Dentist (PCD) in the DHMO Plan.

23. *Ask a member of the Human Resources team for per pay period amounts.
Humana Dental Rates
Monthly Dental Rates*
*Ask a member of the Human Resources team for per pay period amounts.
High Option PPO Plan
Preventive Plus Plan
DHMO CS250 Plan
Employee
$36.68
$19.48
$10.98
Employee + 1
$73.04
$45.28
$22.02
Family
$122.84
$74.96
$34.20

24. Humana Dental PPO High Plan
High Option PPO Plan
High Option PPO Plan
In-Network
Out-of-Network
Plan Year Deductible –
Single / Family
$50 / $150
Deductible Waived for Preventive
Yes
Plan Year Maximum
(excludes orthodontia services)
$2,000
Preventive Services 0%
20%
Basic Services
50%
Major Services
70%
Orthodontia – Adult & Child
Orthodontia Lifetime Maximum
Refer to your Dental Summary Plan Description (SPD) for full benefit description.
Refer to your dental SPD for full benefit description

25. Refer to your dental SPD for full benefit description
Humana Dental Preventive Plus Plan
Plus” Plan
Preventive Plus Plan
In-Network
Out-of-Network
Plan Year Deductible –
Single / Family
$50 / $150
Deductible Waived for Preventive
Yes
Plan Year Maximum
(excludes orthodontia services)
$1,000
Preventive Services 0%
Basic Services*
20%
Major Services**
Discount
Not Covered
*Services include amalgam/resin restorations and simple extractions.
**These services are not covered under this plan; receive a discount on these services if you see a participating dentist. Out-of-pocket expenses do not apply to deductible and annual maximum. .
Refer to your Dental Summary Plan Description (SPD) for full benefit description.
Refer to your dental SPD for full benefit description

26. D O CSD250 Plan Humana Dental DHMO CS250 Plan DHMO CS250 Plan
In-Network Only
Plan Year Deductible
No deductible
Out of Pocket Maximum
No maximum
Office Visit Copays – (during normal business hours)
$5 copay per visit
Preventive Services
Please refer to dental schedule for copay amounts
Basic Services
Major Services
Orthodontics – Adult & Child
$2,000 Adult; $1,800 Child fixed copay
Refer to your Dental Summary Plan Description (SPD) for full benefit description.
Refer to your dental SPD for full benefit description

27. Advantica Eyecare Plan
In-Network
Out-of-Network
Vision Exam
$5 co-pay
Up to $40 Reimbursement (less applicable co-pay)
Standard Frames
$100 allowance
Reimbursed up to $40 (no co-pay if included with eyeglass lenses)
Single Vision, Bifocal, Trifocal, and Lenticular Lenses
Covered After $15 co-pay
Up to $20 for Single Vision, $40 for Bifocal, $60 for Trifocal, $100 for Lenticular Reimbursement less co-pay
Standard Progressive Lens
$50 co-pay
Up to $45 reimbursement less co-pay
Single Vision (SV) Polycarbonate
Included with Lens co-pay up to age 19; over age 19, $30 co-pay
Up to $10 reimbursement less co-pay under age 19
UV Coating Lens
$12 co-Pay
Up to $5 reimbursement less co-pay
Contact Lenses - Medically Necessary
(in lieu of eyeglasses and elective contact lenses)
$15 co-pay; $250 materials allowance; $30 fitting fee allowance
Up to $250 reimbursement less applicable co-pay
Contact Lenses – Elective (in lieu of eyeglasses)
$15 co-pay; $100 materials allowance; $30 fitting fee allowance
Up to $60 reimbursement less applicable co-pay
Frequency Limitations - Vision Exams
Once every 12 months
Frequency Limitations - Eyeglass Lenses
Frequency Limitations - Frames
Once every 24 months
Frequency Limitations - Contact Lenses
Employee Monthly Premium: $ Family Monthly Premium: $10.18
Lower rates than last year and guaranteed for 4 years!

28. What you need to do next…
Enroll by logging onto
Select the Open Enrollment icon
Your elections are effective 4/1/2013 and will remain in effect until 3/31/2014
Any eligible dependents may enroll during this open enrollment period
You MUST actively elect your Flexible Spending Account(s) – HCSA and DCSA - if you wish to continue
Access the Predictive Modeling Tool by clicking on the link labeled “View Detailed Plan Comparison” on the Medical Election Page. Use this tool to assist you with your elections.
Then, select the tab “Personalized Cost Estimator”
You MUST complete your enrollment before February 28, 2013.

29. Additional After-Tax Benefits
Sickness, Accident and Cancer Plans available through AFLAC
Cristy McCullough
Identity Theft Protection and Basic Legal Services available through Pre-Paid Legal
Yvette Mayo
Additional Life Insurance through CIGNA
Long Term Care Insurance through UNUM
Note: A separate application is required to elect these benefits, so please visit the representatives at their tables for more information.

30. What to expect
New Florida Blue ID cards for current enrollees in PPO 80 who choose a new plan.
New Florida Blue ID cards for anyone moving from a Blue Choice plan to a Blue Options plan.
New Catamaran ID card.
New Humana Dental ID card for the Preventive Plus plan and the High Option PPO plan.
More focus on Wellness.
Continued Consumer Directed Focus.

31. Benefit Plan Year
Please log into to make changes
to your benefits. Deductions take effect on your April 5th
pay check. Your HR professionals will gladly assist you
with your elections!
Changes MUST be submitted by Thursday, February 28, 2013

32. Human Resources Website
Click on “Choose a Topic” to view:
Plan Descriptions
Benefit Information
Premium Information
Links to Insurance Websites