Annual Open Enrollment

for benefits effective on

January 1, 2013

Open Enrollment datesOpen Enrollment datesOctober 22, 2012October 22, 2012

throughthrough November 1, 2012November 1, 2012

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

Preventive Care Services Preventive Care Services Based on age and genderBased on age and gender List provided on benefits website List provided on benefits website

“Understanding Your Preventive Health Coverage”“Understanding Your Preventive Health Coverage” Annual Physicals, Well-woman exams, Mammograms, Annual Physicals, Well-woman exams, Mammograms,

Immunizations, and PSA screeningsImmunizations, and PSA screenings Provided at NO COST to you at In-network providersProvided at NO COST to you at In-network providers Early Detection + Treatment = A Healthier Life!Early Detection + Treatment = A Healthier Life!

BPS Preferred BPS Preferred Health CentersHealth Centers

Helping to keep you covered AND for a $15

Copay!

6

TitusvilleRoyal Oaks Medical Center, Knox McRae Dr.

Port St. JohnRoyal Oaks Medical Center, U.S. 1

MedFast Urgent Care Center, Port St. John Parkway near I-95

RockledgeSinai Walk-in Clinic, U.S. 1 south of Barton Blvd.

Cocoa BeachMedFast Urgent Care Center, 520 Causeway at A1A

Indialantic Surfside Urgent Care, 325 5th Avenue, Suite 204

MelbourneDairy 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

BPS Preferred Health Centers

• High-quality staff

• Lab work

• Basic imaging services

• Coordination with PCP

• Evening & weekend hours

All for a $15 copay!

Urgent Care vs. Emergency Urgent Care vs. Emergency RoomRoom

Urgent CareUrgent Care Minor burns or injuriesMinor burns or injuries Sprains and strainsSprains and strains Colds and sore Colds and sore

throatsthroats Fever or flu symptomsFever or flu symptoms Ear infectionsEar infections Rash or skin irritationsRash or skin irritations Mild asthmaMild asthma Animal bitesAnimal bites

Emergency RoomEmergency Room Chest PainChest Pain Difficulty breathingDifficulty breathing Severe bleedingSevere bleeding Head traumaHead trauma Loss of Loss of

consciousnessconsciousness Sudden loss of Sudden loss of

visionvision Blurred visionBlurred vision

Where you get treatment mattersWhere you get treatment matters - Always utilize In-network Providers, - Always utilize In-network Providers,

Quest and LabCorp for Routine Lab services Quest and LabCorp for Routine Lab services $0 Copay $0 Copay Saves you and the BPS Health Plan moneySaves you and the BPS Health Plan money

- Costs of treatment varies based on where the - Costs of treatment varies based on where the service is rendered service is rendered

MRI at an Outpatient Imaging Center can be up to MRI at an Outpatient Imaging Center can be up to half the cost for the same procedure at a Hospital.half the cost for the same procedure at a Hospital.

20% of $500 = $100 vs. 20% of $1,000 = $20020% of $500 = $100 vs. 20% of $1,000 = $200

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 www.MyCigna.comwww.MyCigna.com

BPS PHARMACY COVERAGEBPS PHARMACY COVERAGE

Lower cost prescriptions Coordinates with your doctor Based on only 14 categories of non-preferred drugs Details on the web at www.cigna.comwww.cigna.com

Step Therapy Program

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 & LTDNo changes

Benefits website:http://benefits.brevardschools.org/benefits

DELTACARE DELTACARE DHMO PLANSDHMO PLANS

EMPLOYEE MONTHLY PREMIUM EMPLOYEE MONTHLY PREMIUM

TierTier DeltaCareDeltaCareUSA LowUSA Low

DeltaCareDeltaCareUSA HighUSA High

Employee $ 9.31 $16.07

Employee + 1 $15.39 $29.85

Employee + 2 or More $22.76 $43.60

DELTA DENTAL DELTA DENTAL PPO PLANSPPO PLANS

EMPLOYEE MONTHLY PREMIUM EMPLOYEE MONTHLY PREMIUM

TierTier Delta Low Delta Low PPOPPO

Delta High Delta High PPOPPO

Employee $26.69 $33.72

Employee + 1 $52.93 $67.01

Employee + 2 or More $77.80 $98.47

SPOUSAL SURCHARGESPOUSAL SURCHARGEFOR MEDICAL COVERAGE FOR MEDICAL COVERAGE ONLY ONLY

Will Will NOTNOT apply apply IFIF your spouse:your spouse: Is not employedIs not employed Works for an employer who Works for an employer who

does not offer medical does not offer medical insuranceinsurance

Is an employee of Brevard Public SchoolsIs an employee of Brevard Public Schools Is eligible for a government-sponsored plan, Is eligible for a government-sponsored plan,

such as Medicaresuch as Medicare Elects coverage through own employer and Elects coverage through own employer and

chooses to enroll in the BPS Health Plan as chooses to enroll in the BPS Health Plan as secondarysecondary

SPOUSAL SURCHARGESPOUSAL SURCHARGE Even if you have Even if you have PREVIOUSLYPREVIOUSLY completed completed

an Affidavit, you are required to update it an Affidavit, you are required to update it while making your benefits selections in while making your benefits selections in enrolling again this year.enrolling again this year.

If you are enrolling a spouse you If you are enrolling a spouse you MUST MUST complete an complete an OriginalOriginal Affidavit each year.Affidavit each year. If the surcharge does not apply to your situation, If the surcharge does not apply to your situation,

it will be removed it will be removed IFIF the Benefits Department the Benefits Department receives your completed receives your completed OriginalOriginal AffidavitAffidavit

Affidavit is available on enrollment websiteAffidavit is available on enrollment website An ORIGINAL An ORIGINAL affidavit affidavit MUSTMUST be returned to be returned to

Benefits Benefits by November 15, 2012by November 15, 2012

When Does a When Does a Dependent Child’s Dependent Child’s

Coverage Coverage Terminate?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 26 - 30 Affidavit to receive coverage.

YOUR MEDICAL YOUR MEDICAL FLEXIBLEFLEXIBLESPENDING SPENDING ACCOUNTACCOUNT

● A good way to pay eligible expenses withA good way to pay eligible expenses with

TAX FREE dollarsTAX FREE dollars● Must enroll in a new FSA for the 2013 plan yearMust enroll in a new FSA for the 2013 plan year● Can elect up to $2,500 Can elect up to $2,500 (Lowered from previous max of (Lowered from previous max of

$5,000 due to Health Care Reform)$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, 2014Must incur expenses by March 15, 2014 Use it or lose it! Any unused monies are forfeitedUse it or lose it! Any unused monies are forfeited

Dependent Care FSADependent Care FSA You can set aside pre-tax amounts up to You can set aside pre-tax amounts up to

$5,000/$2,500 annually for dependent care $5,000/$2,500 annually for dependent care expenses which are incurred to enable you expenses which are incurred to enable you and your spouse, if applicable, to workand your spouse, if applicable, to work

• Account is Account is notnot pre-funded. pre-funded.• Only use the amount that Only use the amount that hashas been funded through yourbeen funded through your

payroll deductions.payroll deductions.• You will lose what you don’tYou will lose what you don’t use.use.

Enrollment Is Not MandatoryEnrollment Is Not MandatoryThis Year!This Year!

You can keep most of your current benefits without doing a

thing!The 4 Exceptions:1.Spouse Medical Affidavit 2.Dependent Affidavit3.Medical FSA4.Dependent Care FSA

SAMPLE ENROLLMENT SCREENSAMPLE ENROLLMENT SCREEN

Information on ALL plans and any changes Information on ALL plans and any changes is available on the District Websiteis available on the District Website

We want you to be engaged in your We want you to be engaged in your health and well informed about your health and well informed about your

employee benefits!employee benefits!

Visit:Visit:http://benefits.brevardschools.org/benefits

or e-mail your questions to:or e-mail your questions to: benefits@brevardschools.orgbenefits@brevardschools.org