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For Retiree Benefits Effective on
January 1, 2016
ANNUAL OPEN ENROLLMENT
Brevard Public Schools Under 65 Retiree Options
Not Medicare Eligible
HFHP
Medicare Parts A & B Primary
BPS Secondary
Includes Pharmacy
BPS
BPS Plan Primary
UHC
MedicareAdvantage
MedicareAdvantage
Medicare Eligible
Includes Pharmacy
Brevard Public Schools Over 65 Retiree Options
Under 65 Dependents (Not Medicare Eligible)
Carrier A Carrier C
PDP Pharmacy Plan
Medicare Supplement
Medicare Parts A & BPrimary
BPS Health Plan
Carrier B
MedicareAdvantage
MedicareAdvantage
FRSBC855-443-7722
Includes Pharmacy
Enrollment Is Not MandatoryThis Year!
Your current benefits elections will roll over to 2016
UNLESS:
You are covering a spouse or dependent aged 26 to 30 on the BPS Health Plan
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)
November 2, 2015through
November 13, 2015(at noon)
OPEN ENROLLMENT DATES
BPS Employee Benefits Options:
BPS Health PlanDentalVision
Life Insurance
BPS HEALTH PLAN
Health care costs continue to escalate at a significant rate
Cost to Retirees is the same
Very minimal changes to benefits
Improvement to prescription drug coverage
WHY WELLNESS?
More than 70% of illnesses are preventable
Many leading causes of death and illness are modifiable
What we do (or don’t do!) affects our health
PLAN CHANGES FOR 2016
Eliminating the $300 Deductible for Brand Medications
Cigna Home Delivery will be the exclusive provider of Specialty Medications
The BPS Health Plan Encourage good health – many free
preventative health screenings (well check ups, mammograms, basic labs, PSA)
Healthy members = happier members = better quality of life = lower costs to all of us
Opportunities to include Wellness activities linked to health care costs
BPS HEALTH PLAN DEDUCTIBLE
$500 in-network deductible, not to exceed $1,000 per family, if you complete both the Biometric Screening and Health Assessment
$1,500 in-network deductible per individual, not to exceed $3,000 per family, if both Biometric Screening and Health Assessment are not completed
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.com under the “Estimate Health Care Costs” tab and then use the “Medical Cost Estimator”
BPS PREFERRED HEALTH CENTERS
• High-quality staff
• Lab work
• Basic imaging services
• Coordination with PCP
• Evening & weekend hours
All for a $15 copay!
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!
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 retailers Visit www.MyCigna.com
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, 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?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.
DENTAL Plans through SOLSTICEPrepaid Plans
RETIREE MONTHLY PREMIUM
Tier Solstice LowS700A
Solstice High S500A
Employee $ 7.93 $13.68
Employee + 1 $13.11 $25.42
Employee + 2 or More $19.38 $37.13
No pre-selection of provider required
SOLSTICE DENTAL PPO PLANS
RETIREE MONTHLY PREMIUM
TierSolstice 1 Low PPO
Solstice 2 High PPO
Employee $25.94 $32.77
Employee + 1 $51.44 $65.12
Employee + 2 or More $75.61 $95.70
Plan Benefit Maximum $1,000 $1,500
For Solstice Assistance, Call Toll-Free Customer Service 855-557-4120Or check the Provider Look-Up: www.solsticebenefits.com
Don’t forget about the
BenefitsBooster
Choice of Basic and Enhanced Vision plans
Plans and premiums remain unchanged
Humana continues as insurance carrier
VISION PLANS
Basic PlanMonthly Rate
Employee Only $4.92
Employee + 1 $12.24
Employee + 2 or more
$20.98
Enhanced Plan Monthly Rate
Employee Only $7.42
Employee + 1 $18.44
Employee + 2 or more
$31.62
Life Insurance Options
• BPS continues to offer Retiree Life insurance through Minnesota Life.
• Retiree and dependent coverages remain unchanged with no increase in the premiums you pay.
• All beneficiaries you have designated will be transferred.
INDIVIDUAL PLANSAflac Plans available for enrollment:
Cancer Care Plan – Initial diagnosis benefit $3,000 - $5,000, chemotherapy, radiation, hospitalization, wellness benefit for annual exams, and much more.
Aflac Group Accident - $50 annual wellness benefit for each covered family member, ER and urgent care visits, fractures, dislocations, and much more.
Aflac Group Critical Illness: UPGRADED THIS YEAR BY ADDING MANY ADDITIONAL ILLNESSES!!! Remains Guaranteed Issue; $30,000 for employee and $15,000 for spouse, helps cover cost related to heart attack, stroke, cancer, wellness benefits, and other critical illnesses.
Family coverage on all plans! All plans are portable! Detailed plan information is available when you meet with a benefits counselor and on the BPS Benefits Website
You will receive your Open Enrollment packet in the mail 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 November 2nd and noon November 13th.
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
Information on ALL plans and any changes is available on the BPS DISTRICT WEBSITE
under DEPARTMENTS, select BENEFITS.
THANK YOU!
We want you to be engaged in your health and well informed about your retiree benefits!
ENROLLMENT FOR 2016 BENEFITS:November 2nd through noon on November
13th
or you may contact Debbie Lucas at 321-633-1000 ext. 648 or via email at
