For Employee Benefits Effective on

January 1, 2014

Annual Open Enrollment

Open Enrollment DatesOctober 21, 2013

throughOctober 31, 2013

(for active employees and employees on approvedleave of absence)

Enrollment Is Not MandatoryThis Year!

Your current benefits elections will roll over to 2014

UNLESS:

You want to continue or begin aMedical Flexible Spending Account and/or aDependent Care Flexible Spending Account

You must also go online to complete an affidavit if you want to cover your spouse or a dependent child

age 26-30 (even if you’ve done so before)

BPS Employee Benefits Options:

BPS Health PlanDentalVision

Life InsuranceShort- and Long-Term Disability

Flexible Spending AccountsAdditional Available Plans

BPS Health Plan All pre-existing conditions are eliminated.

All employee contributions will increase $20/month beginning January 1, 2014. (School Board contributions increased $20/month for all enrolled employees effective July 1, 2012.)

A $150 in-network deductible has been added. Copayments are not subject to this deductible. Coinsurance is subject to this deductible. All medical copayments, deductibles, and coinsurance continue to

apply to the annual out-of-pocket maximums.

SPOUSAL SURCHARGEFOR MEDICAL COVERAGE ONLY

Will NOT apply IF your spouse: Is not employed. Works for an employer who does not offer medical

insurance. Is an employee of Brevard Public Schools (and is not

benefits eligible). Is eligible for a government-sponsored plan, such as

Medicare. Elects coverage through his/her own employer and

chooses to enroll in the BPS Health Plan as secondary.

SPOUSAL SURCHARGE Even if you have PREVIOUSLY completed

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

If you are enrolling a spouse for medical coverage, you MUST complete an affidavit each year. When you enroll your spouse, the affidavit will

pop up; simply answer the questions. Depending on your answers, the spousal

surcharge may be waived for you.

When Does a Dependent Child’s

Coverage 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.

Preventive Care Services

Based on age and gender List provided on benefits website

“Understanding Your Preventive Health Coverage” Annual physicals, well-woman exams,

mammograms, immunizations, and PSA screenings Provided at NO COST to you at in-network providers Early Detection + Treatment = A Healthier Life!

BPS Preferred Health Centers

Helping to keep you covered AND for a $15

Copay!

11

TitusvilleChiron Urgent Care, U.S. 1 near Parrish

Royal 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

RockledgeMedFast Urgent Care Center, U.S. 1 near Wuesthoff

Cocoa BeachHealth First NOW Urgent Care, Highway A1A

MedFast Urgent Care Center, 520 Causeway at A1A

Indian Harbour BeachAtlantis Urgent Care, north of Eau Gallie Boulevard

IndialanticSurfside Urgent Care, 325 5th Avenue, Suite 204

MelbourneDairy Road Urgent Care, At U.S. 192

DOCCS, Wickham Road north of Eau Gallie Boulevard

MedFast Urgent Care Center, N. Wickham near Baytree Dr.

Health First NOW Acute Care, Gateway Dr. at NASA Blvd.

Premier Urgent Care, Wickham Road in Suntree

Palm Bay/Malabar4Care Walk-In Clinic, Malabar Rd. SE near Eldron Blvd.

MedFast Urgent Care Center, 490 Centre Lake Dr., Suite 200

Health First NOW Acute Care, 730 Malabar Road

Palm Bay Urgent Care, Malabar Rd. near I-95

SebastianIndian River Walk-In Clinic, near Indian River Medical Center

BPS Preferred Health Centers

• High-quality staff

• Lab work

• Basic imaging services

• Coordination with PCP

• Evening & weekend hours

All for a $15 copay!

Where you get treatment matters!- Always utilize in-network providers: $0 copay at Quest and LabCorp for routine lab

services.- Remember, the cost of treatment varies based

on where the service is rendered… Outpatient facilities are generally much less

expensive than hospital facilities. You can look up the cost of procedures by

facility on Cigna’s website: www.MyCigna.comunder the “Estimate Health Care Costs” tab and then use the “Medical Cost Estimator.”

Save Money on Prescriptions Utilize generic medications Utilize preferred brands when

a generic is not available Cigna Home Delivery: 90-day

supply for 2 copays $4 medication lists Free Antibiotics at retailers Visit www.MyCigna.com

DELTACARE DHMO PLANS

EMPLOYEE MONTHLY PREMIUM

Tier DeltaCareUSA Low

DeltaCareUSA High

Employee $ 9.31 $16.07

Employee + 1 $15.39 $29.85

Employee + 2 or More $22.76 $43.60

DELTA DENTAL PPO PLANS

EMPLOYEE MONTHLY PREMIUM

Tier Delta Low PPO

Delta High PPO

Employee $26.69 $33.72

Employee + 1 $52.93 $67.01

Employee + 2 or More $77.80 $98.47

Vision Plan

• We’re continuing our current Basic Vision option:

• Exam every 12 months; frames and lenses every 24 months.

• Premiums are now lower!

Tier Monthly Cost

Employee Only 4.92

Employee + 1 12.24

Employee + 2 or more 20.98

Adding an Enhanced Vision option:• Exam, frames, and lenses every 12

months• Premiums:

Vision Plan

Tier Monthly Rate

Employee Only 7.42

Employee + 1 18.44

Employee + 2 or more 31.62

YOUR MEDICAL FLEXIBLE

SPENDING ACCOUNT

● A good way to pay eligible expenses withTAX FREE dollars

● Must enroll in a new FSA for the 2014 plan year● Elect up to $2,500 ● Full amount elected available on January 1, 2014

Must incur expenses by March 15, 2015 Use it or lose it! Any unused monies are forfeited

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

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

• Account is not pre-funded.• Only use the amount that has

been funded through yourpayroll deductions.

• You will lose what you don’tuse.

LIFE INSURANCE OPTIONS• BPS has changed to a new vendor: Minnesota

Life.• Basic life insurance will continue to be paid by

the Board and at a reduced rate.• Additional, dependent, and AD&D coverages

remain unchanged with no increase in the premiums you pay.

• All beneficiaries you have designated will be transferred.

SHORT-TERM DISABILITY

• BPS has changed to a new vendor: ING.• There are no changes to the STD

program.• Application to enroll in STD will require

Evidence of Insurability (EOI).• However, STD premiums have been

reduced.

LONG-TERM DISABILITY

• BPS has changed to a new vendor: ING.• There are no changes to the LTD

program.• There is no change to LTD premiums.• Application to enroll or re-enroll in LTD

will require Evidence of Insurability EOI.

• The Aflac Cancer Plan will continue to be offered:

• Current enrollees may keep the current Cancer Plan

• New enrollees must select the new Cancer Plan

Detailed information is available by clicking the Aflac link on the Benefits Website or by calling AFLAC at 877-205-8202

• PLUS there are two new Aflac plans:• Group Accident Insurance• Group Specified Critical Illness

You will receive your Password Letter from your site benefits contact before Open Enrollment begins.

Check out the Benefits Website for detailed information about your enrollment options, including this presentation.

Logon to www.easybenefits.com as often as you like between October 21 and 11:59 p.m. on October 31.

Make your selections and Submit. Watch for applicable affidavits to pop up.

Be sure to print out your Informal Confirmation so you have a record of what you chose.

That’s it!

HOW TO ENROLL

SAMPLE ENROLLMENT SCREEN

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

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

employee benefits!

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

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

ENROLLMENT FOR 2014 BENEFITS:October 21 through October 31