Annual Enrollment for
Plan Year 2014
2014 Annual Enrollment Dates:
Monday, October 21st* - Friday, November 8th**
* Opens at 1:00 a.m. EST
**Closes at midnight
February
APRIL
2010 2010
2
Plan Changes for AE 2014
February
APRIL
2010 2010
3
Plan Design/Premium Changes for AE 2014
Life Plans – MetLife
New! Effective January 1, 2014, Metlife will be replacing Minnesota Life
as the State of Georgia’s Life Insurance provider
– Employee’s current coverage of employee/spouse/child life with
Minnesota Life will be honored by Metlife
Metlife will offer two additional enhancements to the plan:
– Up to 10x Employee Life coverage
– Maximum coverage for employees will increase to $2 million
Premium rates will decrease for employee life and spouse life
February
APRIL
2010 2010
4
Plan Design/Premium Changes for AE 2014
Life Plans – MetLife
For this Annual Enrollment – Employees will have the option of
increasing one level of coverage without requiring Evidence of
Insurability (EOI)
– Increases of more than one level will require EOI
– If Denied, the requested coverage will be approved to one level
greater than the employee’s current level of coverage
Employees currently with “No coverage” can elect 1x Employee
Life without Evidence of Insurability
– Increases of more than one level will require EOI
– If Denied, the employee will be guaranteed 1x coverage
Increases in coverage for Spouse Life will require EOI
February
APRIL
2010 2010
5
Plan Design/Premium Changes for AE 2014
Life Plans – MetLife
Waiver of Premium to the Employee Life product will be reinstated for
permanent or total disability which initiate after January 1, 2014
– Paper process for employees to complete
– Employee must initiate the process after meeting the 180 day
qualifying period
– Copy of the form will be available on the Gabreeze, DOAS, and Team
Georgia web sites
February
APRIL
2010 2010
6
Plan Design/Premium Changes for AE 2014
Life Plans – MetLife
Additional benefits to those enrolled in the Life product
– Will Preparation
– Estate Planning
NOTE: These benefits are offered by Metlife through Hyatt Legal
Services, however, this is separate from the benefits provided under the
Legal Plan
February
APRIL
2010 2010
7
Plan Design/Premium Changes for AE 2014
Accidental Death & Dismemberment Plan – MetLife
New! Effective January 1, 2014, Metlife will be replacing Minnesota Life
as the State of Georgia’s AD&D provider
– Employee’s current coverage of AD&D with Minnesota Life will be
honored by Metlife
Metlife will offer additional enhancements to the plan:
– Up to 10x AD&D coverage
– Maximum coverage for employees will increase to $2 million
– Amount payable for loss of an arm or leg will increase to 75% of
coverage
February
APRIL
2010 2010
8
Plan Design/Premium Changes for AE 2014
Vision – Blue Cross Blue Shield of Georgia
New! Effective January 1, 2014, BCBS of Georgia will be replacing
Spectera as the State of Georgia’s vision provider
BCBS will offer two additional enhancements to the plan:
– Increased out-of-network benefit towards frames
> $130 under the Select Plan
> $150 under the Select Plus Plan
– Coverage for lenses/frames will be based on the calendar year, not
once every 12 months
Decrease in premium rates
February
APRIL
2010 2010
9
Plan Design/Premium Changes for AE 2014
Vision – BCBS of Georgia (Select Plan)
COVERED SERVICES
COPAYMENTS/MAXIMUMS
Network Providers
Eye Exam
Limited to one exam per Member every Calendar Year.
$10 Copayment
Non-Network Providers
Reimbursed up to $40
Prescription Lenses
Limited to one set of lenses per Member every Calendar Year.
Basic Lenses (Pair)

Single Vision lenses

Bifocal lenses

Trifocal lenses

Lenticular lenses




$20 Copayment
Reimbursed up to $40
Reimbursed up to $60
Reimbursed up to $80
Reimbursed up to $80
Includes:
Factory scratch coating
Tint (solid & gradient)
Polycarbonate and Transitions Photochromic lenses (for children
under age 19) not covered under non-network providers
UV Coatings
Frames
Limited to one set of frames per Member every Calendar Year.
No Copayment
Reimbursed up to $45
Allowable Amount up to $130 retail allowance
Prescription Contact Lenses
(traditional or disposable)


No Copayment
Non-Elective Contact Lenses
(Availability once every Calendar Year.)
Covered in full
Reimbursed up to $210
Elective Contact Lenses
(Availability once every Calendar Year.)
No Copayment
Reimbursed up to $105
$105 plan allowance
Note: If you
chose
February
2010 Non-Elective Contact Lenses or Elective Contact Lenses, no
APRIL
2010covered
10benefits will be available for covered eyeglass lenses in that period.
Plan Design/Premium Changes for AE 2014
Vision – BCBS of Georgia (Select Plan)
Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses
for children under 19 years old, and Transitions lenses are also included for children under 19 years
old as a standard benefit
Lens Options
Member Cost
Retinal Imaging
$39
UV Coating
$15
Standard Scratch-Resistant
$0
Standard Polycarbonate
$0
Standard Progressive (add-on to bifocal)
$65
Premium Tier 1
$91
Premium Tier 2
$97
Premium Tier 3
$103
Standard Anti-Reflective Coating
$45
Premium Tier 1 Anti-Reflective Coating
$57
Premium Tier 2 Anti-Reflective Coating
$68
Transition lenses
$75
Other Add-Ons and Services
20% discount off retail price
Additional complete pairs of
40% discount off retail price
February
APRIL
2010 2010
11
Plan Design/Premium Changes for AE 2014
Vision – BCBS of Georgia (Select Plus Plan)
COVERED SERVICES
COPAYMENTS/MAXIMUMS
Network Providers
Eye Exam
Limited to one exam per Member every Calendar Year.
$10 Copayment
Non-Network Providers
Reimbursed up to $40
Prescription Lenses
Limited to one set of lenses per Member every Calendar Year.
Basic Lenses (Pair)

Single Vision lenses

Bifocal lenses

Trifocal lenses

Lenticular lenses






$25 Copayment
Reimbursed up to $40
Reimbursed up to $60
Reimbursed up to $80
Reimbursed up to $80
Includes the following Lens options
Factory scratch coating
Tint (Solid & Gradient)
Polycarbonate lenses
Transitions Photochromic lenses
Standard & Premium Progressive lenses
Standard Anti-Reflective coating (Not
Covered For Non-Network Providers)
Frames
Limited to one set of frames per Member every Calendar Year.
No Copayment
Reimbursed up to $45
Allowable Amount up to $150 retail allowance
Prescription Contact Lenses
(traditional or disposable)


No Copayment
Non-Elective Contact Lenses
(Availability once every Calendar Year.)
Covered in full
Reimbursed up to $210
Elective Contact Lenses
(Availability once every Calendar Year.)
No Copayment
Reimbursed up to $200
$200 plan allowance
Note: If you
chose
February
2010 Non-Elective Contact Lenses or Elective Contact Lenses, no
APRIL
2010covered
12benefits will be available for covered eyeglass lenses in that period.
Plan Design/Premium Changes for AE 2014
Vision – BCBS of Georgia (Select Plus Plan)
Discounts: Standard Factory Scratch Resistant Coating, Tint (Solid & Gradient), Polycarbonate lenses
for children under 19 years old, and Transitions lenses are also included for children under 19 years
old as a standard benefit
Lens Options
Member Cost
Retinal Imaging
$39
UV Coating
$0
Standard Scratch-Resistant
$0
Standard Polycarbonate
$0
Standard Progressive (add-on to bifocal)
$0
Premium Tier 1
$0
Premium Tier 2
$0
Premium Tier 3
$0
Standard Anti-Reflective Coating
$0
Premium Tier 1 Anti-Reflective Coating
$12
Premium Tier 2 Anti-Reflective Coating
$23
Transition lenses
$0
Other Add-Ons and Services
20% discount off retail price
Additional complete pairs of
40% discount off retail price
February
APRIL
2010 2010
13
Important Note re: Walmart/Sam’s Club
providers
Most Walmart/Sam’s Club are out-of-network providers; completion and submission of the claim form below is required to receive the in-network benefit
February
APRIL
2010 2010
14
Important Note re: Wal-Mart/Sam’s Club
providers
February
APRIL
2010 2010
15
Plan Design/Premium Changes for AE 2014
Vision – BCBS of Georgia
New premium rate structure for the Select Plan
– You Only
$4.54
– You + Spouse
$9.49
– You + Child
$9.92
– You + Family
$13.37
February
APRIL
2010 2010
Admin fee is included in amount
16
Plan Design/Premium Changes for AE 2014
Vision – BCBS of Georgia
New premium rate structure for the Select Plus Plan
– You Only
$7.73
– You + Spouse
$16.80
– You + Child
$17.57
– You + Family
$23.90
February
APRIL
2010 2010
Admin fee is included in amount
17
Plan Design/Premium Changes for AE 2014
Disability Plans – The Standard
For Short Term Disability
– The maximum weekly amount an employee can receive will increase
from $800 to $1,000
For Long Term Disability
– Rates will slightly increase
– LTD will go from a pre-tax to an after-tax structure
> Benefits received by employees who go out on LTD will no longer
be considered taxable income
February
APRIL
2010 2010
18
Plan Design/Premium Changes for AE 2014
Specified Illness Plans – CAIC
The automatic child benefit under Specified Illness has increased to
50% of the employee’s selected coverage amount
Employees who elect the Select Plus Plan (w/Accident Rider) will
receive $160 for any qualified Health Wellness screenings
Newly added illnesses covered under the Child benefit
– Cystic Fibrosis
– Cerebral Palsy
– Cleft Lip or Cleft Palate
– Spina Bifida
February
APRIL
2010 2010
19
Plan Design/Premium Changes for AE 2014
Spending Accounts– ADP
The URL for Spending Accounts will be updated to reflect the branding
change from SHPS to ADP
– New URL: https://myspendingaccount.adp.com
– The old URL will remain active until the end of the year
February
APRIL
2010 2010
20
Plan Design/Premium Changes for AE 2014
Spending Accounts– ADP
NOTE: There is a significant change to the FSA plans. If
an employee has a current contribution for 2013, it will
not automatically rollover into the new plan year.
Employees must make an election to continue
contributions in the FSA plans for 2014 (Dependent Care
& Health Care)
Employees will be required to make a new election
amount in order to keep their Health Care and/or
Dependent Care Spending Account active
The last deduction for Spending Accounts will be
November 30th unless a new election for 2014 is made
February
APRIL
2010 2010
21
Plan Design/Premium Changes for AE 2014
Long Term Care – Unum
Average rate increase for current and/or newly enrolled employees of
15% for PY 2014
– Increase will be based on the age coverage was locked in
Unum will issue a packet of information to currently enrolled employees
on or after September 1st to explain the rate change
Employee options
– Take no action
– Decrease coverage
– Elect the Contingent Non-forfeiture Benefit (form included in packet)
Employees can go to the website: unuminfo.com/sog or contact Unum
at 1 800-227-4165 for additional information
February
APRIL
2010 2010
22
GaBreeze Website Reminder for AE 2014
GaBreeze Confirmation Number
Employees will receive a Confirmation Number upon successful
completion of their online Annual Enrollment on the Completed
Successfully page on the GaBreeze Website
Additional changes will be permitted online during the remainder of the
Annual Enrollment period.
– Employees will retain the same Confirmation Number
– Date/Time Stamp will update to reflect the most recent completion
Employees should print a copy of the Confirmation Number page for
their records
February
APRIL
2010 2010
23
Support Avenues (Employees/Participants)
Benefits Call Center
1-877-342-7339
Monday – Friday, 8:00 am – 5:00 pm ET
excluding holidays
GaBreeze Website
www.gabreeze.ga.gov
Link on Team Georgia Flexible Benefits tab
February
APRIL
2010 2010
24
Final Questions and Follow-ups
February
APRIL
2010 2010
25