Appreciation and Thanks
Human Resources Team
ICUBA
Information Technology
Auxiliary Services
Property Management
Conference Services
Facilities Management
CIGNA Life &
Disability Insurance
 Florida Tech provides life insurance at no cost to benefit-eligible
employees in an amount equal to one times annual
compensation.
 Employees may purchase additional life insurance for themselves
& their dependents at a discounted group rate.
 Coverage above $150,000 subject to Evidence of Insurability
 Short-term disability (66 2/3%) & long-term disability (60%)
coverage are provided at no cost to benefit-eligible employees.
 Short-term disability provides 11-weeks income.
 Short-term disability automatically transitions to long-term
disability, if the employee can not return to work.
 Long-term disability buy-up option provides an additional 6 2/3%
benefit. Premiums are paid through payroll deduction.
Tuition Remission
Florida Tech continues to provide the following benefits:
 100% tuition remission for all benefit-eligible employees up to six credit hours per semester.
 90% tuition remission for IRS-defined dependents for
unlimited credit hours towards one degree.
 100% University Alliance tuition remission for all benefiteligible employees AND eligible dependents
 See HR Website http://www.fit.edu/hr for policies or go to
the Online Learning website http://online.fit.edu
403(b) Retirement Plan for 2013
 IRS Maximum Employee Contribution = $17,500
 If Age 50+ employee may contribute $5,500 more.
 Florida Tech will MATCH 1% for each 1% of employee contributes
- up to 5% each paycheck.
 Employees may contribute to Lincoln Financial Group or TIAACREF.
 Local representatives available for one-on-one financial planning:
Contact Richard Phelan with Lincoln Financial
Group at richard.phelan@lfg.com
Contact Richard Chandres with TIAA CREF at
rchandres@tiaa-cref.org
Mid-Year Changes
If you experience a qualifying event as defined by the IRS
during the plan year, i.e. marriage, divorce, birth, or your
spouse loses or gains coverage you may request a pre-tax
benefit election change.
 Request must by made within 30 days of the qualifying event.
 Notify Human Resources in writing by submitting a “Pre-Tax
Qualifying Event Change Request Form.”
 Supporting legal documentation, such as a marriage license,
divorce decree, birth certificate, or certificate of prior coverage
will be necessary to process the change.
Members of the ICUBA Team
7
ICUBA Brand Partners
Company
Benefit
Health Insurance
Prescription Drug Plan
Walgreens Discount Card
Contact
www.bcbsfl.com or
www.floridablue.com
800-664-5295
www.walgreenshealth.com
(thru 3/31/13)
www.mycatamaranRx.com
(after 4/1/13)
800-207-2568
www.walgreens.com/wcard
866-922-7312
Mental Health, Substance Abuse
and Employee Assistance
Program (EAP)
www.mhnet.com
877-398-5816
Health Care Spending Account
Dependent Care Spending Acct.
Health Reimbursement Account
http://icubabenefits.org
866-377-5102
Dental Insurance
www.humanadental.com
800-979-4760 (DHMO)
800-233-4013 (PPO)
www.advanticabenefits.com
:
Will I Receive an
ID Card?
Yes
Yes - Catamaran ID cards
will be mailed by end of
March 2013. Walgreens
Health Initiatives ID card
will still be accepted
Yes
Back of BCBS Card
ICUBA Benefits
MasterCard®
Yes
8
Plan Design Changes
2013 - 2014
 Blue Choice Medical Plans: No NEW enrollees accepted for Plan Year
4/1/13 – 3/31/14. Choice plans will be discontinued effective 4/1/14.
 Blue Choice PPO 80 Medical Plan: Discontinued effective 4/1/13.
 Humana Dental Plans: New Preventive Plus Plan and new High
Option PPO Plan. The DHMO Plan remains the same.
 Wellness: Cash incentives to Health Reimbursement Account
available. Health coaching available.
 Summary of Benefits and Coverage (SBC): New healthcare reform
document to assist you in comparing plans.
Save Money…
Get the most out of your plan!
 Choose generics; many generic drugs offer the same quality as brand-name drugs
 Use 90-day mail order for prescription refills. Call Member Services at 1-800-207-2568 or go to
www.mycatamaranRx.com
 Use Florida Blue™ “Know Before You Go” at 888-476-2227
 FREE ICUBA Cares™ In-Network Benefits through Florida Blue:
o
o
o
o
o
o
o
Annual Physical
Annual Gynecological Exam
Lab Tests
Pap Tests
Mammograms
Urinalysis
Immunizations
o
o
o
o
o
o
o
Electrocardiograms
Echocardiograms
Colonoscopies & Sigmoidoscopies
Colorectal Screenings
Prostate Cancer Screenings
Bone Mineral Density Tests
Allergy Injections
 Request prescribed generic folic acid and generic pre-natal vitamins for pregnancy
 Healthy Additions $25 incentive for expectant mothers
 Request prescribed diabetic supplies including meters, lancing devices, lancets, test strips, control
solution, needles, and syringes
 Employee Assistance Program (EAP) available to all employees and household members
 $25 incentive for participating in a Personal Health Assessment at the health fair
10
View Your Benefits at
http://icubabenefits.org
11
Monthly Premiums
ICUBA rates increased 3% for Blue Options Plans compared to 9 - 11% in the Florida market.
PPO 70 Blue Choice *
PPO 70 Blue Options
Employee
Contribution
Employer
Contribution
HRA
Employee
Contribution
Employer
Contribution
HRA
Employee
$175.00
$525.00
$60
$156.50
$469.50
$60
Employee +
Spouse
$349.50
$1048.50
$120
$313.00
$939.00
$120
Employee +
Child(ren)
$315.00
$945.00
$120
$282.00
$846.00
$120
Family
$489.25
$1467.75
$120
$438.50
$1315.50
$120
PPO Risk /Reward Blue Choice *
PPO Risk/Reward Blue Options
Employee
Contribution
Employer
Contribution
HRA
Employee
Contribution
Employer
Contribution
HRA
Employee
$138.50
$415.50
$100
$122.00
$366.00
$100
Employee +
Spouse
$277.00
$831.00
$200
$243.75
$731.25
$200
Employee +
Child(ren)
$249.25
$747.75
$200
$219.50
$658.50
$200
Family
$387.50
$1162.50
$200
$341.25
$1023.75
$200
*NO NEW enrollees accepted for Plan Year 4/1/13 – 0/31/14. Blue Choice Plans will be discontinued effective 4/1/14.
12
Plan Definitions
 Deductibles: The cumulative amount that you must pay in the plan year before
benefits will be paid by the Plan. If the Plan has a $1000 deductible, the Plan
begins to pay after you have paid the first $1,000 for services in which the
deductible is required.
 Coinsurance: The percentage of a covered expense that you pay after the
satisfaction of any applicable deductible. It is a defined percentage of the
covered charges for services rendered. For example, the plan may pay for 70%
of covered services and you pay 30%.
 Co-pays (Co-payments): The fixed dollar amount you are required to pay each
time a particular service is used. The co-pay does apply to your out-of-pocket
maximum, but does not reduce amounts applied to the deductible or coinsurance.
 Annual Out-of-Pocket Maximum: The maximum amount of deductible and coinsurance during any plan year that you pay before the plan begins to pay
100% of covered expenses for the remainder of the plan year.
 Flexible Spending Account: A medical care or dependent care spending
account in which you put aside pre-tax dollars to pay for eligible expenses.
 Centers of Excellence: Preferred places of care with the best outcomes, finest
operational standings and best patient care.
Side-by-Side Medical Plan Comparison
2013-2014 Plan Year
Deductible
Individual/Family
Coinsurance
Out of Pocket Maximum
(includes all medical co-pays,
deductibles, and coinsurance)
Physicians Office Visit (includes
General Practice, Internal Medicine,
Family Practice, Pediatrician, OB/GYN
and Behavioral Health)
Specialist Office Visit, including
Chiropractors and Therapists
Wellness Exam
Outpatient Diagnostic Imaging
Urgent Care
Emergency Room Services
Hospital Inpatient
PPO 70 Blue Choice & Blue Options
PPO Risk/Reward Blue Choice & Blue Options
Network
Non Network
Network
Non Network
$1,000/$2,500
$1,500/$4,000
$2,000/$4,000
$3,500/$9,750
30% after deductible
50% after deductible
20% after deductible
40% after deductible
$3,000/$6,000
$6,000/$12,000
$3,500/$7,000
$7,000/$14,000
$20 co-pay;
no deductible
50%
after deductible
20%
no deductible
40%
after deductible
$30 co-pay;
no deductible
50%
after deductible
20%
no deductible
40%
after deductible
$0
Not Covered
$0
Not Covered
$100 co-pay and 30%
after deductible
50%
after deductible
20%
after deductible
40%
after deductible
$30 co-pay;
no deductible
$30 co-pay;
no deductible
20%;
no deductible
20%;
no deductible
$100 co-pay
(waived if admitted) no
deductible
$100 co-pay
(waived if admitted)
no deductible
$100 co-pay
(waived if admitted)
no deductible
$100 co-pay
(waived if admitted)
no deductible
$250 co-pay, and 30% after
deductible
$500 co-pay and 50% after
deductible
20%
after deductible
40%
after deductible
14
Minimize Out-of-Pocket Expenses
 Avoid un-necessary fees for lab work, always use QUEST Labs
 Verify coverage with your provider PRIOR to appointment
 If you are billed a facility fee for an office visit or are billed for
an annual physical or annual gynecological exam, please
advocate on your behalf and contact Florida Blue™ Customer
Service at 1-800-664-5295 to have the claim properly adjusted
 Pay your provider based on the Member Health Statements
available at www.floridablue.com
 Use your ICUBA MasterCard for office visit copays and other
out-of-pocket expenses
 Use your Walgreens Discount Card at Walgreens retail stores
to purchase Walgreens brand products and earn cash credit
15
Florida Blue™ Mobile Apps
Features
•
•
•
•
•
•
•
•
•
•
Find A Doctor & Map – GPS based
View ID Card
Fax or email ID Card
Claims Accessibility
Health Coach
24-hour Nurse line & Care
Consultants
Rx Shopping & Price Comparison
Coverage Benefits &
Accumulators
Health News & Views
Health Check Guidelines
16
Catamaran Prescription Benefit
Tiered Copays
 Your Catamaran pharmacy benefit plan offers three tiers of drugs.
 Bring the Preferred Medication List with you to the doctor to receive the lowest cost generic or
brand prescription medications available for your therapy.
 Call member services at 1-800-207-2568 or visit www.mycatamaranRx.com
Tier
Co-pay
Definition
30 day Retail/Mail Order/
90 day Retail
1st Tier:
$5/10/10
Generics contain the same active ingredient as their brandname equivalents and offer the same effectiveness and
safety. Some generics use a brand name instead of a
chemical name. Both have the lowest co-pay.
$27/50/60
Medications in this tier have been selected by your
pharmacy benefit plan as preferred brand drugs. These
drugs have higher co-pays than generics but are less costly
than non-preferred medications on the third tier.
$60/120/145
Because a generic version or a second-tier alternative is
available, non-preferred medications have the highest copays and are not listed on the Preferred Medication List.
Generics
2nd Tier:
Preferred
3rd Tier:
Nonpreferred
Maximum annual plan year out-of-pocket for prescription drug co-pay is $2,000 per individual;
17
$4,000 for family.
Catamaran Prescription Enhancements
March 2013: New Catamaran ID cards will be sent by the end of March. Walgreens
Health Initiatives cards will still be accepted.
April 2013: Catamaran Member Portal www.mycatamaranRx.com
 Obtain a list of preferred medications to maximize
savings
 Refill prescriptions for home delivery
 Perform test co-pays for prescriptions
 View prior authorization history
April 2013: Catamaran Mobile App
 Free of charge
 Find the lowest cost drug and pharmacy options
 View prescription history
 Key Features:
• Fill-My-Scripts is a reminder to fill prescriptions.
• Take-My-Meds is a reminder to take medications.
• Mobile Advocate is designed to mimic behavior of
provider to elicit action and participation.
18
MHNet Behavioral Health –
Substance Abuse and EAP Benefits
 Free Employee Assistance Program (EAP) services - up to six counseling
sessions per issue per plan year - are available to ALL employees and everyone
in an employee’s household. You do not need to be enrolled in any ICUBA
benefit plan in order for you or a household member to access EAP services.
 Client Connect® Provider Matching Service assists members in locating an
appropriate provider for their current situation.
 The MHNet website has many helpful resources including informative articles,
interactive health and wellness instruments, health assessments and videos,
family, personal, and mental health information, on-line seminars, discounts
to vendors, and community resources.
 Contact MHNet call 1-877-398-5816.
 To access the website, go to www.mhnet.com
 Username: ICUBA
 Password: 8773985816
 MHNet contact information is on the back of your Blue Cross Blue Shield of
Florida ID card, or contact Human Resources if not a participating member.
HRA and HCSA – What’s the difference?
Health Care Reimbursement Account
(HRA)
 Funded by Florida Tech
 Available for PPO 70 and
Risk/Reward Plans
 Funds rollover at the end of each
plan year indefinitely
 Account is portable after 36-months
of continuous participation
 Employee can have HRA alone
without HCSA
 Amount funded depends on
medical plan
 Funds deposited monthly
Health Care Spending Account (HCSA)
 Funded by employee’s pre-tax
dollars
 Funds available first day of plan
year
 Can be used for qualified
employee and eligible dependent
medical expenses
 No carry-over of funds from year
to year (by IRS law) “Use-it-orlose-it”
 HCSA funds expended before
tapping into HRA funds
 Employee can have HCSA without
HRA
 Maximum annual contribution
limited to $2,500 for 2013-2014
under Health Care Reform
20
Flexible Spending Account for
Dependent Care Expenses (DCSA)
 Funded by employee’s pre-tax cdollars
 Funds used to pay for qualified dependent care expenses
 Maximum annual contribution limit for plan year 2013 – 2014 is $5,000
 Qualified dependents are under age 13, or physically/mentally challenged
adults who are unable to care for themselves
 Funds are available as deducted from your paycheck
 Funds available by using the ICUBA Benefits MasterCard
 File your claims online at http://icubabenefits.org
 Funds do not carry-over from year to year (by IRS law) “Use-it-or-lose-it”
OE 2010
21
Humana Dental
Low Option PPO Plan Replacement
 The Low Option PPO Plan will be replaced, effective 4/1/13, with the
“Preventive Plus” Plan. This new plan provides coverage for preventive
services, some basic services, and no major services.




Enhancements to High Option PPO Plan
Two additional preventive cleanings for a total of four cleanings per year.
Two periodontal cleanings per year to be covered at preventive levels of
benefits.
Coverage for composite fillings on all teeth.
Addition of an Extended Annual Maximum Benefit paying 30% coinsurance
after the annual maximum benefit is met.
Refer to the Dental Insurance Benefits Guide (handout) for information on how to
find a dentist and How to select or switch a Primary Care Dentist (PCD) in the DHMO
Plan.
22
Humana Dental Rates
2013-2014
Monthly Dental Rates*
*Ask a member of the Human Resources team for per pay period amounts.
High Option
PPO Plan
Preventive Plus
Plan
DHMO CS250
Plan
Employee
$36.68
$19.48
$10.98
Employee + 1
$73.04
$45.28
$22.02
Family
$122.84
$74.96
$34.20
23
Humana
DentalPPO
PPO
High Plan
High Option
Plan
High Option PPO Plan
In-Network
Out-of-Network
$50 / $150
$50 / $150
Yes
Yes
$2,000
$2,000
Preventive Services
0%
20%
Basic Services
20%
50%
Major Services
50%
70%
Orthodontia – Adult & Child
50%
50%
$2,000
$2,000
Plan Year Deductible –
Single / Family
Deductible Waived for Preventive
Plan Year Maximum
(excludes orthodontia services)
Orthodontia Lifetime Maximum
Refer to your Dental Summary Plan Description (SPD) for full benefit description.
Refer to your dental SPD for full benefit description
Humana
Plus”
Plan Dental Preventive Plus Plan
Preventive Plus Plan
In-Network
Out-of-Network
$50 / $150
$50 / $150
Yes
Yes
$1,000
$1,000
Preventive Services
0%
0%
Basic Services*
20%
20%
Discount
Not Covered
Plan Year Deductible –
Single / Family
.
Deductible
Waived for Preventive
Plan Year Maximum
(excludes orthodontia services)
Major Services**
*Services include amalgam/resin restorations and simple extractions.
**These services are not covered under this plan; receive a discount on these services if you see a
participating dentist. Out-of-pocket expenses do not apply to deductible and annual maximum.
Refer to your Dental Summary Plan Description (SPD) for full benefit description.
Refer to your dental SPD for full benefit description
OHumana
CSD250
Plan DHMO CS250 Plan
D Dental
DHMO CS250 Plan
In-Network Only
Plan Year Deductible
No deductible
Out of Pocket Maximum
No maximum
Office Visit Copays –
(during normal business hours)
$5 copay per visit
Preventive Services
Please refer to dental schedule for copay amounts
Basic Services
Please refer to dental schedule for copay amounts
Major Services
Please refer to dental schedule for copay amounts
Orthodontics – Adult & Child
$2,000 Adult; $1,800 Child fixed copay
Refer to your Dental Summary
full
benefit
description.
ReferPlan
to Description
your dental(SPD)
SPDforfor
full
benefit
description
Advantica Eyecare Plan
In-Network
Out-of-Network
Vision Exam
$5 co-pay
Up to $40 Reimbursement (less
applicable co-pay)
Standard Frames
$100 allowance
Reimbursed up to $40 (no co-pay if
included with eyeglass lenses)
Single Vision, Bifocal, Trifocal, and
Lenticular Lenses
Covered After $15 co-pay
Up to $20 for Single Vision, $40 for
Bifocal, $60 for Trifocal, $100 for
Lenticular Reimbursement less co-pay
Standard Progressive Lens
$50 co-pay
Up to $45 reimbursement less co-pay
Single Vision (SV) Polycarbonate
Included with Lens co-pay up to age 19;
over age 19, $30 co-pay
Up to $10 reimbursement less co-pay
under age 19
UV Coating Lens
$12 co-Pay
Up to $5 reimbursement less co-pay
Contact Lenses - Medically Necessary
(in lieu of eyeglasses and elective contact
lenses)
$15 co-pay; $250 materials allowance;
$30 fitting fee allowance
Up to $250 reimbursement less
applicable co-pay
Contact Lenses – Elective (in lieu of
eyeglasses)
$15 co-pay; $100 materials allowance;
$30 fitting fee allowance
Up to $60 reimbursement less applicable
co-pay
Frequency Limitations - Vision Exams
Once every 12 months
Frequency Limitations - Eyeglass Lenses
Once every 12 months
Frequency Limitations - Frames
Once every 24 months
Frequency Limitations - Contact Lenses
Once every 12 months
Employee Monthly Premium: $3.98 Family Monthly Premium: $10.18
Lower rates than last year and guaranteed for 4 years!
27
What you need to do next…
•
•
•
•
Enroll by logging onto http://icubabenefits.org
Select the Open Enrollment icon
Your elections are effective 4/1/2013 and will remain in effect until 3/31/2014
Any eligible dependents may enroll during this open enrollment period
•
Access the Predictive Modeling Tool by clicking on the link labeled “View Detailed Plan
Comparison” on the Medical Election Page. Use this tool to assist you with your elections.
•
Then, select the tab “Personalized Cost Estimator”
• You MUST actively elect your Flexible Spending Account(s) –
HCSA and DCSA - if you wish to continue
• You MUST complete your enrollment before February 28, 2013.
28
Additional After-Tax Benefits
 Sickness, Accident and Cancer Plans available through AFLAC
 Cristy McCullough cristy_mccullough@us.aflac.com
 Identity Theft Protection and Basic Legal Services available through PrePaid Legal
 Yvette Mayo mayogroupbenefits@msn.com
 Additional Life Insurance through CIGNA
 Long Term Care Insurance through UNUM
Note: A separate application is required to elect these
benefits, so please visit the representatives at their tables
for more information.
What to expect
 New Florida Blue ID cards for current enrollees in PPO 80
who choose a new plan.
 New Florida Blue ID cards for anyone moving from a Blue
Choice plan to a Blue Options plan.
 New Catamaran ID card.
 New Humana Dental ID card for the Preventive Plus plan
and the High Option PPO plan.
 More focus on Wellness.
 Continued Consumer Directed Focus.
30
Benefit Plan Year 2013 -2014
Please log into http://icubabenefits.org to make changes
to your benefits. Deductions take effect on your April 5th
pay check. Your HR professionals will gladly assist you
with your elections!
Thursday,
Changes MUST be submitted by
February 28, 2013
Human Resources Website
http://www.fit.edu/hr/openenrollment/
Click on “Choose a Topic” to view:
• Plan Descriptions
• Benefit Information
• Premium Information
• Links to Insurance Websites