Cecil County Public Schools FY2017 Open Enrollment ... · January 1, 2017 – December 31, 2017 Cecil County Public Schools 2017 Open Enrollment for Retiree Benefits ... Deductions

Benefi t Plan Year :

Januar y 1 , 2017 –

December 31, 2017

Cecil County Public Schools 2017 Open Enrollment for Retiree Benefits

Non – Medicare Eligible Retirees

CCPS 2017 Retiree Benefits

Selecting a Medical Plan: Review of the Public Exchanges

Health Reimbursement Account – Flexible Benefit

Administrators

Vision - EyeMed

Dental - Delta Dental

2017 Dental and Vision Premiums

Open Enrollment Information

Signing Up for a One-on-One Meeting to Select a Medical

Plan

Agenda

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Members of the Benefits Office will be available for one -on-

one meetings to assist you with selecting a medical plan.

Appointments can be made between Wednesday,

November 2 and Friday, December 2.

To schedule an appointment: See Liz Miller following this meeting,

Stop in the Benefits Office and ask for Deidre, Rosemary or Alycia

following this meeting, or

Call the Benefits Office at 410-996-5413 or 410-996-5415.

To review plans and enroll on your own a brief demo:

http://www.healthcare.gov

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Selecting a Medical Plan:

The Process

http://www.healthcare.gov/


Prescription Benefits Prescription benefits will be included in your chosen Medical plan. Some plans have a separate prescription deductible. Co-pays for medications will vary.

Subsidy and Health Reimbursement Accounts (HRA) IRS Guidelines state members cannot have an HRA and receive the

government subsidy for lower premiums. If an individual chooses to use government subsidy, Board

contributions will go towards cost of member’s dental and vision benefit.

Proof of Application for Coverage Must be submitted no later than 4:00 p.m. on December 2, 2016 to the

Benefits Office to be enrolled in an HRA. We do not need a copy of your invoice or completed HRA forms at this

time. Documentation must show that you will receive the government

subsidy, if applicable.

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Important Information


Making Changes Mid-Year Changes to medical can only be made if you experience a qualifying life event. Documentation will need to be obtained from the current insurance carrier and

submitted to the new insurance carrier for the change to take effect.

Becoming Medicare El igible Members who become Medicare eligible will be able to enroll in the Aetna

Medicare Advantage plan on their Medicare effective date. You will need to notify the Public Exchange that you will be canceling your

current policy due to a life event. Contributions to your HRA will stop at the end of the month prior to your

Medicare effective date.

Spouse Enrol lments As long as your spouse was on the plan prior to your enrollment on the

Exchange, they will be eligible to come back when Medicare eligible.

Spouse is Medicare El igible but I ’m Not You will each have your own individual plan. Deductions for the Medicare supplemental plan will come from your monthly

pension check, in addition to dental and vision deductions.

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Important Information

Cecil County Public Schools

Understanding Your

Health Reimbursement

Account

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Key Information

Plan Year: January 1, 2017 – December 31, 2017

Eligibility: Retirees who had at least 14 years of service with CCPS at the time of retirement.

If you qualify for and choose to use the Government subsidy, you will not be eligible to receive your Board HRA contribution.

Deposits into Your HRA: Deposits will occur on a monthly basis into each eligible member’s account.

The amount deposited will be based on your years of service with CCPS when you retired.

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mailto:[email protected]




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Board HRA Deposits

Years of Service Monthly

Contribution

Annual

Contribution

14 - 17 Years $299.35 $3,592.20

18 - 23 Years $448.25 $5,379.00

24 - 29 Years $558.40 $6,700.80

30+ Years $715.23 $8,582.76

• CCPS will deposit funds

monthly into each member’s

account.

• Deposit amounts are based on

your years of service with

CCPS at the time of your

retirement.

• Board contributions will be

made up to the end of the

month prior to your Medicare

effective date. – I.E.: Medicare eligibility date is July

1, deposits will cease June 30


Submitting for Reimbursement:

Monthly Medical Premium

Follow These Easy Steps

1. Gather your first month’s medical premium invoice provided by your chosen insurance carrier.

2. Complete the appropriate Claim Form.

3. Submit your form and documentation to the Benefits Office, Attn: Liz Miller or Deidre Hairston. Completed forms and invoices can be dropped off in person, mailed, faxed, or emailed.

4. Ongoing reimbursements will occur automatically, and reimbursements are processed on the first Monday of each month.

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To Submit for Reimbursement:

Submitting for Reimbursement:

Medical Expenses

1. Gather your documentation for eligible expenses.

2. Complete the appropriate Claim Form.

3. Submit your form and documentation to FBA as instructed on the form.

Documentation must include: - Date of Service - Provider Name/Patients Name - Amount Charged - Nature of the Expense

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If you have funds remaining in your account after paying your monthly medical premium, you may

use those dollars to reimburse yourself for incurred medically qualified expenses.


Self Service Technology

www.mywealthcareonline.com/fba

Downloadable App for iPhone,

Android Smartphones and Tablets • Sign-up for email/text messages • Eligible Expense Listing

• View 2 years of account history

• Submit claims online/by phone

• Report a lost/stolen benefit card

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Quick Tips

Claims/Substantiation Requests:

Remember to file your claims with a completed claim form and to respond to all requests for card substantiation. Please allow 2-3 business days for the processing of your submitted claims once they have been received.

Reimbursements:

Reimbursement checks will be mailed directly to your home address. Direct Deposit reimbursements are available within 1-2 business days after processing.

Direct Deposits:

Sign-up for Free Direct Deposit by completing the form on FBA’s website.

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Confidential Notice: This document contains privileged information and is for the sole use of the intended recipient(s). Disclosure or

distribution to and review or use by any unauthorized Luxottica EyeMed associate (s) and external parties is prohibited.

Nice to see you

Cecil County

Public Schools

We’re EyeMed!


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Insight Network

We Give You Options

Whether you choose a provider based on your schedule, style, or value,

…no matter what, we have you covered!

Both independent and retail, including 5 of

top 6 preferred retailers

Convenient weekend and evening times

available at most locations

Same day/1-hour service available at

some locations

Benefits and discounts applied

consistently

www.eyemed.com

1-866-804-0982

Retail

23%

Independent

77%

http://www.eyemed.com/


Save your employees money with fixed pricing on progressive

lenses! Take a look at the table below to see how much members

can save on the most popular progressive lens options.

Reducing Member Out of Pocket

Eyeglass Transaction -

Premium Lenses

Average

Retail

Current Standard

Plan Cost

New Standard Plan

Cost

Premium Progressive

Lenses

•Tier 1 $218 $139 $105

•Tier 2 $255 $169 $115

•Tier 3 $290 $197 $130

Premium Anti-Reflective

Coating

•Tier 1 $100 $80 $57

•Tier 2 $115 $92 $68

Transition Lenses •Photochromic/Transition $118 $94 $75

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EyeMed Standard Plan

Member Cost In Network Out of Network Reimbursement

Eye Exam $0 copay every 24 months Up to $48

Frame Allowance $130 allowance, 20% off balance every 24

months

Up to $65

Standard Lenses*

Bifocal, Trifocal, Lenticular Lenses*

$20 copay every 24 months

Up to $42, $67, $90, $157 respectively

Standard progressives

Premium progressives

Tier 1

Tier 2

Tier 3

Tier 4

$85 copay every 24 months

$105

$115

$130

$85 copay, 80% of charge, less $120 allowance

Up to $67

Up to $67

Up to $67

Up to $67

Up to $67

Lens Options

Premium Anti-Reflective Coating

Tier 1

Tier 2

Tier 3

$57

$68

80% of charge

NA

NA

NA

Contact Lenses* $130 allowance every 24 months Up to $104

*lenses or contact lenses once every 24 months 17


Even More Options for Using

Your Benefit

Glasses.com ContactsDirect

Can members use

their in-network

benefits?

Yes. Yes.

How does it work? Members first provide Glasses.com with their basic

information to access their benefits. As they view great

brands and styles, they’ll only see out-of-pocket pricing

after the benefit is applied. Once they’re ready to buy,

Glasses.com takes care of all the claim paperwork.

They simply upload and submit their Rx. Members can

then go to any LensCrafters for any needed

adjustments.

Once a member is ready to buy, they register by

entering a few pieces of information. ContactsDirect

then locates and applies the benefit. Once the product

is added to the cart, the allowance is automatically

deducted from the total.

What products are

offered?

Glasses – frames from the most loved brands and

nearly any lens, including bifocals and progressives.

Contacts – top-selling brands from the most trusted

manufacturers.

How quickly do

members receive

their eyewear?

Within 5 business days

Most orders ship free the same day the prescription is

verified. Standard shipping is 3-5 business days.

What happens if

anything needs to be

returned?

Glasses can be returned within 30 days (with free return

shipping) for a full refund.

Unopened boxes can be returned within 1 year for a

full refund.

Can you receive

reporting?

Yes. Yes.

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Vision Care Member App

Here's how it works

Fingertip access to benefit details, provider locations and directions, ID card, and member support

New enhancements: exam and contact refill reminders, load and save prescription, and special offers

Available for iPhone and Android

shake to access member

ID card

seconds to find a provider and get driving directions

taps to call a provider or our

call center

1 10 2

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Online Tools

eyemed.com Enhanced provider search (on eyemed.com)

*At select locations

Member mobile app (for iPhone and Android)

View benefits and eligibility

Download ID cards and EOBs

Check claim status

View wellness information

Review LASIK information

Location Provider specialty Hours of operation, including

evenings and weekends Available frame brands Product type Online appointment booking*

Benefit details Provider locations/directions ID card Exam and contact refill reminders Ability to load and save prescription

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Now Hear This!

95 of Americans with

hearing loss could

be successfully

treated with

hearing aids*

%

We’ve teamed up with Amplifon, the largest

distributor of hearing aids in the world, so

that you will now receive:

40% off hearing exam at thousands of locations

Discounted, set pricing on thousands of hearing

aids

Low price guarantee – if you find the same

product at a lower price, Amplifon will beat it by

5%!

60-day hearing aid trial period – with no

restocking fees

Free batteries for 2 years with initial purchase

3-year warranty and loss and/or damage

coverage

Begins January 1, 2017

*Better Hearing Institute Factoids

About Your Delta Dental Benefits Plan


Freedom of Choice

• Select any dentist you want, but you’ll likely save more money by choosing a Delta

Dental dentist

• No Primary Care Physician election required

National Networks

• Access to Delta Dental PPOSM and Delta Dental Premier® networks

Lower Out-Of-Pocket Costs

• Delta Dental’s allowances mean lower fees to Delta Dental participating dentists

and lower costs to you

• Delta Dental dentists will not charge you any more than your coinsurance and

deductibles

Claims Convenience

• Delta Dental dentists submit claim forms for you and Delta Dental pays the

dentist directly

Quick Claims Processing

• Delta Dental typically processes claims in four calendar days

Quali ty Control

• Delta Dental makes sure the care you receive is necessary and effective

The Delta Dental PPO Advantage

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Benefits and Covered Services

PPO Dentist Premier Dentist

Non-Delta Dental Dentist

ANNUAL MAXIMUM DEDUCTIBLES * Deductibles waived for D & P and Orthodontics

The maximum benefit paid per calendar year is $1,500 per person $25 per person / $75 per family each plan year

DIAGNOSTIC & PREVENTIVE BENEFITS -- Oral examinations,

cleanings, x-rays, sealants and periodontal prophylaxes

100 % 100 % 100 %

BASIC BENEFITS -- Fillings, posterior composites, denture repairs, oral surgery, endodontics (root canals) and periodontics (gum treatment)

80 % 80 % 80 %

MAJOR BENEFITS -- Crowns, inlays, onlays, cast restorations and prosthodontics (bridges, dentures and implants)

50 % 50 % 50 %

ORTHODONTICS (dependent children to age 20)

50 % 50 % 50 %

ORTHODONTIC MAXIMUM $1,200 Lifetime $1,200 Lifetime $1,200 Lifetime

COVERED PROCEDURES REIMBURSED BASED ON

PPO contracted fees or the dentist’s actual fee, whichever is less

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Delta Dental Payment Example

Example

Delta Dental Network Providers Non-

Participating

Dentists PPO Dentists Premier Dentists

Dentist’s Charge for a

Crown $1,000 $1,000 $1,000

Plan Payment Allowance $600 $600 $600

Percentage Paid by

Delta Dental 50% 50% 50%

Delta Dental Payment $300 $300 $300

PATIENT PAYMENT $300

($600 - $300 =)

$500 ($800 - $300 =)

Premier Maximum Allowance = $800

$700 ($1,000 - $300 =)

Note: These are hypothetical numbers for illustrative purposes only. Assume no maximum or deductibles are applicable.

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Easy-to-use part icipating dentist directories with maps and driving directions

Secure login to your account for benefi ts and el igibi l i ty lookup

Access information on program benefi ts, el igibi l i ty, status of deductibles, maximum usage, claim status, and 18 months of claims history

Fee Finder for common procedures

Printable claim forms

Printable ID cards

Extensive dental health section

Email inquiries to customer service

Viewable in Spanish

Web Capabilities

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Print ID Card Function

You can Print ID Cards by selecting the l ink from the El igibi l i ty page in Onl ine Services after accessing your personal Delta Dental account .

ID Cards have no expiration date.

ID Cards are issued with a Delta Dental assigned ID number.

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Customer Service

Call toll-free: 800-932-0783 Monday - Friday between 8:00 a.m. and 8:00 p.m. Eastern Time. Or write to: Corporate Headquarters One Delta Drive Mechanicsburg, PA 17055-6999

Need Assistance?

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Years of Service Monthly

Contribution

Annual

Contribution

For Member Under Age 65

14 - 17 Years $299.35 $3,592.20

18 - 23 Years $448.25 $5,379.00

24 - 29 Years $558.40 $6,700.80

30+ Years $715.23 $8,582.76

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CCPS Board Contribution


2017 Monthly Benefit Rates

Dental Benefits Benefit Tier Rate

Individual $29.35

Retiree/Child $55.76

Retiree/Spouse $58.69

Retiree/Children $73.37

Family $88.04

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Vision Benefits Benefit Tier Rate

Individual $3.38

Retiree/Child $5.72

Retiree/Spouse $6.39

Retiree/Children $8.41

Family $9.41

Monthly rates for medical plans offered through the Public Exchange will

vary per person/family.

To view the plans available to you and their cost, please visit

http://www.healthcare.gov.



New ID cards were issued for vision at the end of August.

These new cards should be used starting September 1, 2016. New cards will contain the Group Number: 1006792

No need to complete an Enrollment Form unless you wish to: Cancel your Dental and/or Vision coverage, and/or

Remove a dependent currently on your dental or vision plan.

To enroll in a medical plan, visit http://www.healthcare.gov.

Appointments for one-on-one enrollment meetings will be

available starting Wednesday, November 2, 2016, through

Friday, December 2, 2016. To schedule an appointment: See Liz Miller following this meeting,

Stop in the Benefits Office and ask for Deidre, Rosemary, or Alycia

following this meeting, or

Call the Benefits Office at 410-996-5413 or 410-996-5415.

Enrollment Information Summary

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To have an HRA established, proof of application must be

turned into the Benefits Office no later than 4:00 p.m. on

Friday, December 2, 2016.

To receive your first premium reimbursement, the following

documentation must be turned into the Benefits Office: Copy of the January invoice from your chosen insurance carrier,

Completed and signed Health Reimbursement Account Claim form,

and

The completed Direct Deposit form and a copy of a voided check.

If you need assistance, contact the Benefits Office. Monday – Friday: 8:00 a.m. – 4:00 p.m.

Offices are closed November 23 – 27

410-996-5413 or 410-996-5415

[email protected]

Enrollment Information Summary

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Questions?

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Documents

Cecil County Public Schools FY2017 Open Enrollment ... · January 1, 2017 – December 31, 2017 Cecil County Public Schools 2017 Open Enrollment for Retiree Benefits ... Deductions