Annual Enrollment for Plan Year 2014. February 2010 2 APRIL 2010 2014 Annual Enrollment Dates:...

Annual Enrollment forPlan Year 2014

February 2010 2APRIL 2010

2014 Annual Enrollment Dates:

Monday, October 21st* - Friday, November 8th**

* Opens at 1:00 a.m. EST **Closes at midnight


Plan 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

Plan Design/Premium Changes for AE 2014



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




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




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



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



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



Plan Design/Premium Changes for AE 2014Vision – BCBS of Georgia (Select Plan)

COVERED SERVICES COPAYMENTS/MAXIMUMS

Network Providers Non-Network Providers

Eye ExamLimited to one exam per Member every Calendar Year.

$10 Copayment

Reimbursed up to $40

Prescription LensesLimited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair)Single Vision lensesBifocal lensesTrifocal lensesLenticular lenses Includes:Factory scratch coatingTint (solid & gradient)Polycarbonate and Transitions Photochromic lenses (for children under age 19) not covered under non-network providersUV Coatings

$20 Copayment

Reimbursed up to $40Reimbursed up to $60Reimbursed up to $80Reimbursed up to $80

FramesLimited to one set of frames per Member every Calendar Year.

No Copayment Allowable Amount up to $130 retail allowance


Prescription Contact Lenses (traditional or disposable) Non-Elective Contact Lenses(Availability once every Calendar Year.)

No Copayment Covered in full


Elective Contact Lenses (Availability once every Calendar Year.)

No Copayment $105 plan allowance


Note: If you chose covered Non-Elective Contact Lenses or Elective Contact Lenses, no benefits will be available for covered eyeglass lenses in that period.


Plan Design/Premium Changes for AE 2014Vision – 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)

Premium Tier 1

Premium Tier 2

Premium Tier 3

$65

$91

$97

$103

Standard Anti-Reflective Coating

Premium Tier 1 Anti-Reflective Coating


$45

$57

$68

Transition lenses $75

Other Add-Ons and Services 20% discount off retail price

Additional complete pairs of 40% discount off retail price


COVERED SERVICES COPAYMENTS/MAXIMUMS

Network Providers Non-Network Providers

Eye ExamLimited to one exam per Member every Calendar Year.

$10 Copayment


Prescription LensesLimited to one set of lenses per Member every Calendar Year. Basic Lenses (Pair)Single Vision lensesBifocal lensesTrifocal lensesLenticular lenses Includes the following Lens optionsFactory scratch coatingTint (Solid & Gradient)Polycarbonate lensesTransitions Photochromic lensesStandard & Premium Progressive lensesStandard Anti-Reflective coating (Not Covered For Non-Network Providers)

$25 Copayment

Reimbursed up to $40Reimbursed up to $60Reimbursed up to $80Reimbursed up to $80

FramesLimited to one set of frames per Member every Calendar Year.

No Copayment Allowable Amount up to $150 retail allowance


Prescription Contact Lenses (traditional or disposable) Non-Elective Contact Lenses(Availability once every Calendar Year.)

No Copayment Covered in full


Elective Contact Lenses (Availability once every Calendar Year.)

No Copayment $200 plan allowance


Note: If you chose covered Non-Elective Contact Lenses or Elective Contact Lenses, no benefits will be available for covered eyeglass lenses in that period.

Plan Design/Premium Changes for AE 2014Vision – BCBS of Georgia (Select Plus Plan)


Plan Design/Premium Changes for AE 2014Vision – 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)

Premium Tier 1

Premium Tier 2

Premium Tier 3

$0

$0

$0

$0

Standard Anti-Reflective Coating



$0

$12

$23

Transition lenses $0

Other Add-Ons and Services 20% discount off retail price

Additional complete pairs of 40% discount off retail price


Most Walmart/Sam’s Club are out-of-network providers; completion and sub-mission of the claim form below is required to receive the in-network benefit

Important Note re: Walmart/Sam’s Club providers


Important Note re: Wal-Mart/Sam’s Club providers


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


Admin fee is included in amount


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


Admin fee is included in amount


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



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



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



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



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



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

GaBreeze Website Reminder for AE 2014


Support Avenues (Employees/Participants)

Benefits Call Center

1-877-342-7339Monday – Friday, 8:00 am – 5:00 pm ET

excluding holidays

GaBreeze Website

www.gabreeze.ga.gov

Link on Team Georgia Flexible Benefits tab


Final Questions and Follow-ups

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Annual Enrollment for Plan Year 2014. February 2010 2 APRIL 2010 2014 Annual Enrollment Dates:...

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