Welcome!

1. Pinellas County Sheriff’s Office 2012 – 2013 Benefits Plan YearBenefits Enrollment: 7/23/12 - 8/3/12

2. Welcome! • Benefit Options: • Medical – Choice of 2 plans with POS network • Dental – Preventive Only or Direct Reimbursement • Vision – United Healthcare Vision (Spectera) • Employee Assistance Program (EAP) • Life and Disability – The Standard • Flexible Spending Accounts (FSA’s) • Dependent Care Account • Health Care Account

3. What’s Not Changing • UnitedHealthcare continues as our administrator for medical claim processing • Medco continues as our administrator for prescription drugs • Standard continues as our carrier for Life/AD&D and Long-term Disability coverage

4. Open Enrollment - July 23rd to August 3rd • Add health, dental or vision coverage • Change your current health plan and/or dental plan • Add dependents to your coverage • Delete dependents from coverage • Increase supplemental life by $20,000 (restrictions apply) • Change your life insurance beneficiary designation • Enroll in FSA for 2012-2013 Plan Year

5. Open Enrollment • What you MUST do during open enrollment • You must confirm and/or elect your benefit coverage for the new plan year of October 1, 2012 – September 30, 2013 using the on-line enrollment platform • You must provide documents to HR for any newly added dependents (by August 3rd) • You must enroll and elect your FSA contributions every year — prior year elections do not carry over

6. United HealthcareMedical Benefits

7. Medical Plan • Choice of two medical plans • CPOS Platinum – Includes coverage for acupuncture, infertility, and weight reduction surgery • CPOS Gold – Does not provide coverage or follow-up care for acupuncture, infertility, and weight reduction surgery • Both plans use the same network of doctors and providers • Both plans are open access and do not require a primary care doctor or a referral to visit a specialist

8. Platinum Plan Gold Plan

9. Visit Your Personal Website On myuhc.com

10. Tools on myuhc.com • Check claims status and history • Learn about benefits and coverage • Find in-network physicians and hospitals • Online statements • View account balances • Estimate and compare treatment costs • Access discounts • Print temporary ID card/request new card • Research health topics & read articles • Chat with a nurse in real-time

11. ComPsychEmployee Assistance Program www.guidanceresources.com, password: PCSO

12. EAP Benefits • Information and assistance with life and work issues • 24 hours a day, 7 days a week • Life/work issues impact job performance • Completely confidential • All members in home may access benefit

13. EAP Services • Up to Six (6) free face-to-face sessions • per family member, per issue, per plan year • Employee Assistance Specialists, Certified Employee Assistance Professional, 3-5 years clinical experience • EAP benefits include: • Family, marital and relationship problems • Emotional difficulties such as depression, anxiety, guilt • Online personal health info, news and resource tools • Drug and alcohol dependence • Job stress • Child and elder care research and referrals • Legal and financial concerns

14. MedcoYour Pharmacy Benefit Manager

15. Drug Co-payments Medco by Mail Can Save You Money * Up to a 30-day supply or up to a 90-day supply, as prescribed by your doctor.

16. Drug Coverage • Retail Coverage • Use retail pharmacy for short-term medications • Go to www.medco.com, “Find a Local Pharmacy” or call Member Services at 800-711-0917, group name PINELRX • Medco By Mail • For maintenance/long-term medications • No charge for standard shipping • Cost-effective and convenient, medication delivered to your door • Continue to use retail pharmacy for short term medications Money Saving Tips • Generics and plan-preferred medications will cost you less than non-preferred medications • Consider using Medco by Mail for long-term (maintenance) medications

17. How to use Medco by Mail 1. Ask your doctor to fax your prescription to Medco • Doctor writes 90-day prescription, with refills up to a year • Provide member ID number on prescription drug card • Doctor calls888-327-9791 for instructions & faxes prescription (only doctor can fax prescription) • Prescription delivered 5-8 days from receipt of fax 2. Mail-in your prescription • Doctor writes 90-day prescription, with refills up to a year • Mail prescription and order form • Prescription delivered 7-11 days from the day you mail

18. Visit www.medco.com • Order prescriptions online • Check your benefits and co-pay amounts • Review the formulary • Use the My Rx Choices tool to compare: • Taking a generic or equivalent • Using Medco By Mail vs. retail pharmacy • Access to Consumer Reports Best Buy Drugs

19. Register for Medco.com • Go to www.medco.com/register • Click “Register Now” and follow instructions • Member ID - Located on your prescription ID card • Prescription number on the refill slip or label on bottle

20. United Concordia Dental Benefits

21. Dental Plan Options • Preventative Only plan • Reimburse the first $200 of preventative care • Procedures covered are: • Routine oral exams • Cleaning and scaling of teeth • Two bite wing x-rays per year • One panoramic x-ray per 36 month period • Fluoride treatments

22. Dental Plan Options * Out of Network benefits reimbursed at the 90% of Usual and Customary charge

23. Dental Plan Administration • Contact United Concordia for dental claim questions • Customer Service : 1-800-332-0366 • Website: www.ucci.com • Network: Advantage Plus

24. United Healthcare VisionVision Benefits

25. United Healthcare Vision Providers • No change in vision benefits from last year • Large provider network • Over 30,000 providers nationwide • Private practice and retail chain providers

26. Schedule of Vision Benefits

27. Accessing Vision Benefits • Internet www.myuhcvision.com or www.myuhc.com • 24-hour access • Provider Locator & FAQ • Claims and eyewear order tracking • Nominate a provider to join network • Customer Service Center • 8:30 a.m. to 8:00 p.m. ET Monday - Friday • 9:00 a.m. to 5:00 p.m. ET Saturday

28. The StandardLife Insurance Accidental Death & DismembermentLong Term Disability

29. Life and AD&D Benefits Basic Life Benefit: 1 x annual salary, not to exceed $250,000 – PCSO paid Additional Life Benefit: $5,000 increments, not to exceed the lesser of 5 x annual salary or $250,000 Dependent Life Benefit: Option 1 - $10,000 Spouse / $5,000 Child(ren) Option 2 - Spouse - $2,500 increments, not to exceed 50% of members’ basic + additional life Option 2 - Child - $2,500 increments, not to exceed $10,000 or 50% of member’s basic + additional life Guarantee Issue: Member not previously denied coverage may elect up to $20,000, no medical underwriting required • Member previously denied or amounts in excess of $20,000 or greater than 3 x base annual earnings are subject to medical underwriting • Spouse and children are subject to medical underwriting for all coverage

30. Life and AD&D Benefits • Accelerated benefit for terminally ill • Waiver of premium - 6 months total disability • Repatriation Benefit up to $5,000 • MEDEX Travel Assist • Seat belt benefit - Up to $10,000 • Air bag benefit - Up to $5,000 • AD&D Family Benefits Package • Higher education benefit – Up to $20,000 • Child care benefit – Up to $10,000 • Career adjustment benefit - Up to $10,000 for spouse training

31. Life and AD&D Benefits • Line of duty benefit - Up to $50,000 result of action performed in the course of controlling or reducing crime and assigned duties • AD&D covers variety of accidental losses: • Loss of speech or hearing in both ears • Disappearance • Quadriplegia, Hemiplegia, Paraplegia • Occupational Assault • Public Transportation

32. Long Term Disability Provisions • Waiting Period: 180 Days • Benefit: 60% of the first $10,000 of monthly pre-disability earnings • Maximum Benefit: $6,000 • Minimum Benefit: $100 • Maximum Benefit Period: To age 65 or Social Security Normal Retirement Age

33. LTD Benefits • Return to work incentive • $25,000 reasonable accommodation benefit • Standard SecureCard • Social Security assistance • 3 months survivor benefits • Assisted Living Benefit - 80% of pre-disability earnings, adds up to $2,000 (month) to LTD benefit, not reduced by deductible income • Lifetime Security Benefit - Income for severely disabled employees beyond maximum benefit period

34. Medical underwriting: 888-456-3505 LTD claim questions: 800-368-1135 Life claim questions: 800-628-8600 Visit the website at www.standard.com The Standard Customer Service .

35. PayFlexFlexible Spending Accounts

36. Flexible Spending Account • PayFlex Flexible Spending Account (FSA) • Funded with pre-tax dollars • Two kinds of eligible expenses: • Health care - Medical FSA • Maximum Contribution: $5,000 • Dependent care - Dependent care FSA • Maximum contribution: $5,000 or $2,500 if married and filing separately • FSA results in lower taxable income and more take-home pay

37. Flexible Spending Account (FSA) • Medical FSA eligible expenses include: • Prescription co-pays • Doctor visit and ER co-pays • Health plan deductible and coinsurance • Dental services and orthodontics • Lasik surgery, glasses, contacts • Dependent care expenses - Dependent children & adults • Elderly parent or disabled spouse • Daycare, camps

38. What is NOT covered under an FSA? • Examples of Ineligible Health Care Expenses • Diet Foods • Cosmetics, Cotton Balls, Teeth Whitening • Vitamins, Supplements, Aromatherapy • Shampoo, Toothpaste, Suntan Lotion • Cosmetic Surgery (unless medically necessary and approved by the plan) • Shaving cream, Razors, Soap and Hand lotions • Over the Counter Medications without a prescription Refer to IRS Publication 502 for more information about eligible and ineligible expenses

39. Tax Savings ExampleBased on $30,000 annual salary Estimated Savings for Member who Participates in the Healthcare and Dependent Care Flexible Spending Accounts = $220 per month or $2,640 per year

40. Using your FSA Debit Card • Use your FSA Debit Card like a regular debit or credit card for your FSA eligible expenses • At your Physician’s office or the Pharmacy for copays • NOTE:You can no longer receive reimbursement for over-the-counter medicine without a doctor’s prescription based on the new healthcare law • No Credit Check needed • Benefits of using the Debit Card include: • Instant Reimbursement • Reduction in receipt submission • Up to 80% of total claims are auto-adjudicated

41. PayFlex Contact Information • 1-800-284-4885 • Web Access • 24/7 secure site • Check account claims status • Look up qualified expenses • Download claim forms • Interactive tool to calculate tax savings • Online at www.healthhub.com

42. What’s Next?

43. Action Steps for Members • Prior to August 3rd at 5:00 pm: • Active members must submit changes and/or confirm all elections in Ebonline, and provide documents for newly added dependents to HR • Retired members who wish to make a change must do so by: submitting changes in EBOnline, or by mailing form to HR-Benefits (must be received by 8/3/11 at 5pm), or by faxing completed enrollment form to (727) 582-5893, or by e-mailing the completed enrollment form to InsuranceBenefits@pcsonet.com. If no change, no action is required. • Questions? Contact HR - Benefits at (727) 582-2835