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YOUR 2013/2014 BENEFITS Understanding Annual Enrollment Hourly Employees
Agenda • Eligibility • What’s New for 2013 • Overview of Benefit Plans • Making Your Elections
Our Program Vision • Designed to recognize diverse needs • Competitive and comprehensive benefits • Offer plans that provide long-term financial security for you and your family
Who is Eligible? • Employee Eligibility: • All regular, full-time hourly employees who work at least 30 hours per week. • Dependent Eligibility: • Your legal spouse • Your dependent children up to age 26* • Your dependent children of any age who become mentally or physically incapable of self care (physically and financially) before age 26*
What’s New for 2013 • New Dental Plan Carrier and Plan Design • New LOWER Dental Rates!
Anthem BlueCross & Blue Shield Medical plans
Medical Plans • 100% coverage of eligible in-network preventive care services - no deductible • Limited coverage for Autism Spectrum Disorder • Expanded coverage for Women’s Preventive Benefits are being included under the medical and prescription drug plan. • No medical lifetime limit • No pre-existing condition exclusion for children under age 19 • Dependents up to age 26 eligible regardless of student or marital status
Medical Plan Options • High Deductible Health Plan (HDHP) – KeyCare30/2000 Plan • Point-of-Service (POS) Plan - HealthKeepersHMO 20 POS Plan • Preferred Provider Organization (PPO) Plan – KeyCare 20 Plan
KeyCare 30/2000 HDHP benefit Details At-a-Glance ^ Subject to Balance Billing
Keycare 30/2000prescription drug plan Mandatory Generic - If a generic is available and you OR your doctor request the brand-name drug, you will pay the 1st tier copay PLUS the difference in price between the brand and the generic. Prior Authorization
Health Keepers hmo 20 POS PLAN benefit Details At-a-Glance ^ Subject to Balance Billing
KeyCare 20 PPO Plan benefit Details At-a-Glance ^ Subject to Balance Billing
keycare 20 & hk 20 pos Plansprescription drug benefits Mandatory Generic - If a generic is available and you OR your doctor request the brand-name drug, you will pay the 1st tier copay PLUS the difference in price between the brand and the generic. Prior Authorization
PPO BlueCross BlueShield GROUP: 15A41E HEW23456789 JOHN Q PUBLIC PLAN 040: MEDICAL – Claims: Local BCBS Plan P.O. Box Customer Service: 1-800-999-9999 The BlueCard National Network • Advanced nationwide network on one platform • All Blue plans linked together • Easy access to a local provider • How to locate a doctor • Call Customer Service - # on your ID Card • Go to www.anthem.com • National recognition of the “suitcase” icon on ID card Seamless Access One in three Americans is covered by the Cross and Shield.
360º Health • Anthem 24/7 Nurseline • Anthem FutureMoms • SpecialOffers@Anthem 360 Health: Information and support to help you manage your health and make informed health care decisions.
Member Self-Service Features Managing Your Health • Check who’s covered under your policy • Look up the status of your claims • View authorizations • Request a new member ID card • Download claim forms and other forms • Send and receive secure email Website: www.Anthem.com
Humana dental plan
Member Services Member Capabilities: Online: www.humanadental.com Phone: 1-800-233-4013 • Check eligibility for benefits • Check claim status • Check covered services • Deductible Balance • Maximum Balance • Search for network dentists
Vision Service Plan Vision plan
Prudential Voluntary Lifeand Disability
Affordable Rates Employee: Increments of $10,000 to a maximum of the lesser of 5 times your annual salary or $300,000 Spouse: Increments of $5,000 to a maximum of the lesser of 50% employee’s amount or $150,000 Child(ren): Increments of $2,000 to a maximum of $10,000 Annual One-Up $40k Option Evidence of Insurability Voluntary Life Insurance
Other benefits 401(k) Retirement Savings Plan Fairfax County Federal Credit Union Willis Rewards
Open Enrollment 2013-2014 elections
How to enroll • 2013 Open Enrollment Dates: September 16 – 20, 2013 • Election Paperwork Due on September 20, 2013. • Complete an Election Form if you want to: • Enroll in a plan for the first time; or • Make changes to your current plan choices • Complete an Evidence of Insurability Form if you are: • Enrolling in the voluntary life or long term disability for the first time • Increasing your current voluntary life coverage IMPORTANT: If you are not making any changes to your benefits, then no action is needed and your current coverage will automatically rollover to the 2013/2014 plan year.
When are Elections Effective Elections effective: October 1, 2013 Elections remain in effect from: October 1, 2013 – September 30, 2014 Can only make changes if you experience a qualified “life event” Your marriage, divorce or legal separation Birth or adoption of an eligible dependent child Death of your spouse or covered dependent child Change in your child’s eligibility for benefits Change in residence or work site that affects your eligibility for coverage Change in your work status that affects your benefits Change in your spouse’s work status that affects his/her benefits
Need More Information? If You Have Questions • Consult your • 2013 Guide to Benefits • OR • Contact • Angela Flint • (703) 264-1200 x127 • Aflint@PRISMINC.com