Phyllis perry doc personnel benefits section 919 716 3780
Download
1 / 35

Phyllis Perry DOC Personnel,Benefits Section 919/716-3780 - PowerPoint PPT Presentation


  • 118 Views
  • Uploaded on

Phyllis Perry DOC Personnel,Benefits Section 919/716-3780. To Save You Money!. How? Money contributed to benefits offered by NCFlex is done through payroll deduction on a pre-tax basis Benefits Include: Health Care Flexible Spending Account (HCFSA)

loader
I am the owner, or an agent authorized to act on behalf of the owner, of the copyrighted work described.
capcha
Download Presentation

PowerPoint Slideshow about 'Phyllis Perry DOC Personnel,Benefits Section 919/716-3780' - virginia-guerrero


An Image/Link below is provided (as is) to download presentation

Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.


- - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - -
Presentation Transcript
Phyllis perry doc personnel benefits section 919 716 3780

Phyllis Perry

DOC Personnel,Benefits Section

919/716-3780


What is the purpose of ncflex

To Save You Money!

How?

Money contributed to benefits offered by NCFlex is done through payroll deduction on a pre-tax basis

Benefits Include:

Health Care Flexible Spending Account (HCFSA)

Dependent Day Care Flexible Spending Account (DDCFSA)

Vision Care Plan

Voluntary Accidental Death and Dismemberment Insurance (AD&D)

Dental Plan

Supplemental Medical Plan

What is the Purpose of NCFlex?


Who is eligible to participate in ncflex

Permanent, probationary or time limited State employees who work 20 or more hours per week

Existing employees must enroll during annual enrollment October 13 -November 7, 2003

Participation will begin January 1st with deductions taken out of their paycheck at the end of the month

Newly hired employees must enroll within 30 days of employment

Participation will begin the first month after the enrollment form is signed with deductions taken out of their paycheck at the end of the month.

Example:

Employee signs enrollment form on August 1, 2003

Benefits will begin September 1, 2003

Deduction will be taken out of paycheck September 30, 2003

Who is Eligible to Participate in NCFlex?


Ncflex dental offers
NCFlex work 20 or more hours per weekDental Offers

  • A High Option Plan

  • A Low Option Plan

  • Coordination with the Health Care Flexible Spending Account

  • All Options Offer Coverage for the Participant and their Eligible Dependents


High and low dental plan options
High And Low work 20 or more hours per weekDental Plan Options

  • Both Options Administered by Pacific Dental Benefits, Inc. and Underwritten by North Carolina Mutual

  • Participants can Select the Dentist of Their Choice

  • Participants or The Dentist can File the Claim

  • Participants will be Issued an I.D. Card


Dental comparisons
Dental work 20 or more hours per weekComparisons


Dental provisions
Dental work 20 or more hours per weekProvisions

  • Subject to Usual and Customary Charges

  • $1,000 Calendar Year Maximum per Person

  • Orthodontia Maximums (High Option only): $750/year and $1,500/Lifetime per Person for Dependent Children under Age 19


Dental waiting periods
Dental Waiting work 20 or more hours per week Periods

  • Current Dental Participants

    • Low Option to High Option - 12-month wait for

      major & orthodontia

    • High Option to Low Option - no wait

  • New Hire (enrolls within 30 days)

    • 12-month wait for orthodontia

  • Late Enrollees (employees/dependents)

    • 12-month wait for all services except

      diagnostic/preventive for both options


High option dental
High Option work 20 or more hours per week Dental

PremiumPre-Tax Cost*

Employee $31.60 $22.12

EE/SP $62.98 $44.09

EE/CH(ren) $60.46 $42.32

Family $103.64 $72.55

* Based on a 30% Tax Savings in the Premium Cost


Low option dental
Low Option work 20 or more hours per week Dental

PremiumPre-Tax Cost*

Employee $17.38 $12.17

EE/SP $34.64 $24.25

EE/CH(ren) $33.26 $23.28

Family $57.00 $39.90

* Based on a 30% Tax Savings in the Premium Cost

17


Superior vision advantages

Provider Network work 20 or more hours per week

Ophthalmologists (M.D.s)

Optometrists (O.D.s)

Opticians

Optical Chain Locations

Superior Vision Advantages

Over 1,000 Providers


Superior vision advantages1
Superior Vision Advantages work 20 or more hours per week

  • No Claim Forms

  • No Prior Eligibility Requirement

  • No Pre-notification Requirement

  • Receive Personalized I.D. Card

  • Refractive Surgery Discount Benefit

  • Two Year Commitment


Two plan designs offered
Two Plan Designs Offered work 20 or more hours per week

  • Plan #1 Provides

    • Comprehensive Eye Examination 12 Mos.

    • Lenses (Standard Glass or Plastic) 12 Mos.

    • Eye frame (Up to $100 Retail) 24 Mos.

    • Contact Lenses (Up to $100 Retail) 12 Mos.

      (Select Eyeglasses or Contact Lenses)

      Pay the Provider Directly for Non-covered Products & Services


P lan 1 provides cont
P work 20 or more hours per weeklan #1 Provides Cont.

  • Eyeglasses

    • Lenses: Standard Glass or Plastic Lenses, any Rx, Single Vision, Bifocal, Trifocal, Lenticular

      with

    • Frames: Select any Frame from the Providers Inventory up to $100 with No Out-Of-Pocket Cost


Plan 1 provide cont
Plan #1 Provide Cont. work 20 or more hours per week

  • Contact Lenses

    • Benefit Allowance is $100 Retail Value

    • Available both In-network & Out-of-network

    • Elective Contacts: Applies to Most Wearers

    • Medically Necessary

    • Fitting Fee can be Included in the Allowance


Plan 1 provides cont
Plan #1 Provides Cont work 20 or more hours per week.

  • Available Discounts

    • Included in both Plan #1 & Plan #2

    • 20% to 30% Discount on Additional Pairs of Eyeglasses & Contact Lenses. 10% on Disposable Contact Lenses

    • 20% (of UCR) Off RK, PRK (Laser), LASIK Surgery

    • Must Use In-network Provider


Plan 2 no exam
Plan #2 (No Exam) work 20 or more hours per week

  • Eyeglass Lenses 12 Mos.

  • Eye frame (Up to $100 Retail)24 Mos.

  • Contact Lenses12 Mos.

    (Up to $100 Retail)

    (Select Eyeglasses or Contact Lenses)

    Pay the Provider Directly for Non-covered Products & Services


Superior vision monthly premiums
Superior Vision work 20 or more hours per weekMonthly Premiums

Plan 1 Plan 2

(With Exam)(No Exam)

Employee $7.98 $5.64

(30% Tax Savings)$5.59 $3.95

Family$20.24 $13.98

(30% Tax Savings)$14.17 $9.79

42


Out of network benefits
Out-of-Network Benefits work 20 or more hours per week

  • Call SVS for Eligibility Check & Authorization Number

  • Receive Services & Pay the

    Non-network Provider

  • Obtain Itemized Receipt/Invoice

  • Mail to SVS Claims Department

  • Include Name, Address, & Authorization Number


Accidental death dismemberment
Accidental Death & Dismemberment work 20 or more hours per week

  • Accidental Death is the Leading Cause of Death under Age 39

  • Coverage for Participant & their Family

  • Coverage Levels $50,000 to $500,000

  • Dependent Coverage Equals Percentage of Employee Coverage

  • No Double Covering Family Members

  • Additional Benefits Listed in Booklet


Accidental death dismemberment1
Accidental Death & Dismemberment work 20 or more hours per week

  • ASSIST AMERICA Provides:

    • Worldwide Emergency Assistance Services for Travelers

    • Direct Access to prompt Medical Emergency Assistance when traveling More than 100 Miles from Home

    • Hospital Admission Guarantee

    • Emergency Evacuation/Air Ambulance

    • Dispatch of Prescribed Medication

    • Care/Transport of Minor Children

    • Transport of Family Member to Join Patient

    • Legal Referrals

      Participants Receive an I.D. Card


Accidental death dismemberment2
Accidental Death & Dismemberment work 20 or more hours per week

Coverage and Monthly Cost

AmountEmployeeFamilyAmountEmployeeFamily

$50,000 $1.36 $2.00 $200,000 $5.40 $8.00

75,000 2.02 3.00 250,000 6.76 10.00

100,000 2.70 4.00 300,000 8.10 12.00

125,000 3.38 5.00 350,000 9.46 14.00

150,000 4.06 6.00 400,000 10.80 16.00

175,000 4.72 7.00 500,000 13.50 20.00

Tax Savings will Reduce the Costs by 30% or More


Spending Accounts work 20 or more hours per week

  • A smart way to

Increase Your Benefits

Increase Your Take Home Pay and

Save Taxes !!!

25% to 42%


Spending Accounts work 20 or more hours per week

  • Plan Year

    (January 1, 2004 - December 31, 2004)

  • Must incur expenses during Plan Year

  • Elections must be set during the Plan

    Year, unless you have a

    family/employment status change event.


Health care spending account
Health Care Spending Account work 20 or more hours per week

  • $3,600 account maximum

  • Health care expenses can be on You,

    Your spouse & Your dependent children regardless if they are covered by the State Health Plan

  • Eligible expenses -

    • Medical - deductibles, coinsurance, chiropractor

    • Vision - exam, lenses/frames, contacts, LASIK surgery

    • Dental - deductible, coinsurance, orthodontics

    • Prescription Drugs - copays

  • Ineligible expenses -

    • insurance premiums, elective cosmetic procedures, over-the-counter drugs/vitamins/supplements

      Check the web at www.ncflex.org


Tax savings example
Tax Savings Example work 20 or more hours per week

State Health Plan Deductible $ 350

Contact lenses, solutions,

enzymes, eye glasses $ 200

Dental $ 330

Prescription drugs copay $ 120

$1,000

30% Tax Rate X .3

Tax Savings $ 300


Dependent day care spending account
Dependent Day work 20 or more hours per weekCare Spending Account

  • $5,000 account maximum for most employees

  • Both Parents must work to be eligible

  • Eligible Expenses

    • Child day care through age 12

    • After/before-school care through age 12

    • Dependent adult care


Claims processing
Claims Processing work 20 or more hours per week

  • Claims kit sent to employees home

  • Mail or fax claim to Aon

    • Minimum claim reimbursement: $25

    • Claims processed weekly

    • Payment by check or direct deposit

  • Health Care Account

    • Attach EOB if covered by health/dental plan

    • Reimbursement up to plan election

  • Dependent Day Care Account

    • Attach allowable receipt (need Provider’s Tax ID)

    • Reimbursement limited to Account balance


Supplemental medical plan
Supplemental Medical Plan work 20 or more hours per week

  • Helps Bridge the Gap in Your Medical Plan - Not a Replacement

  • Coverage for the employee & dependents


Coverages cont
Coverages Cont. work 20 or more hours per week

Benefit Paid Directly to Employee & in Addition to Other Insurance


Supplemental medical plan1
Supplemental work 20 or more hours per weekMedical Plan


Pre tax premium advantage
Pre-Tax Premium work 20 or more hours per weekAdvantage

  • Example:Amy is Age 35 and Single. Monthly

  • Premium is $16.08 or $192.96 for the Year.

  • Annual Physical Exam Benefit(+)$100.00

  • (2) Office Visits (Sickness) Benefit(+)$100.00$200.00

  • $192.96 Premium with

  • 30% Tax Savings(-)$135.07

  • Amy Saves$64.93


Do Not Write in this Area work 20 or more hours per week

Payroll Unit Number is 033

Effective Date is the month after signed

Employees Information

Must Be Completed

Make sure applicable boxes are marked

Without Signature and Date Enrollment Form will not be Processed

NO FAXED COPIES


Important deadlines
Important Deadlines!! work 20 or more hours per week

  • Original Enrollment Forms to

    Benefits Section:Friday, October

    31, 2003

    • Cannot Accept Fax Copies due to

      Scanning

  • Benefit Elections are Effective

    January 1, 2004



ad