Welcome!

Pinellas County Sheriff’s Office 2012 – 2013 Benefits Plan YearBenefits Enrollment: 7/23/12 - 8/3/12

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Welcome!

Benefit Options:– Medical – Choice of 2 plans with POS network– Dental – Preventive Only or Direct Reimbursement– Vision – United Healthcare Vision (Spectera)– Employee Assistance Program (EAP)– Life and Disability – The Standard– Flexible Spending Accounts (FSA’s)

Dependent Care Account Health Care Account

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What’s Not Changing UnitedHealthcare continues as our administrator for medical

claim processing

Medco continues as our administrator for prescription drugs

Standard continues as our carrier for Life/AD&D and Long-term Disability coverage

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– Add health, dental or vision coverage

– Change your current health plan and/or dental plan

– Add dependents to your coverage

– Delete dependents from coverage

– Increase supplemental life by $20,000 (restrictions apply)

– Change your life insurance beneficiary designation

– Enroll in FSA for 2012-2013 Plan Year

Open Enrollment - July 23rd to August 3rd

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What you MUST do during open enrollment

– You must confirm and/or elect your benefit coverage for the new plan year of October 1, 2012 – September 30, 2013 using the on-line enrollment platform

– You must provide documents to HR for any newly added dependents (by August 3rd)

– You must enroll and elect your FSA contributions every year — prior year elections do not carry over

Open Enrollment

United HealthcareMedical Benefits

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Medical Plan

Choice of two medical plans– CPOS Platinum – Includes coverage for acupuncture, infertility, and

weight reduction surgery – CPOS Gold – Does not provide coverage or follow-up care for

acupuncture, infertility, and weight reduction surgery

Both plans use the same network of doctors and providers

Both plans are open access and do not require a primary care doctor or a referral to visit a specialist

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Platinum Plan Gold PlanIn Network Out of Network In Network Out of Network

DeductibleIndiv. / Family

$750 / $1,500 $1,500 / $3,000 $1,000 / $2,000 $2,000 / $4,000

Out of Pocket MaximumIndiv. / Family

$2,500 / $5,000 $5,000 / $10,000 $2,850 / $5,600 $5,700 / $11,200

Office Visits - General Practice

$15 Copay 40% after deductible

$20 Copay 50% after deductible

Office Visits - Specialist

$35 Copay 40% after deductible

$40 Copay 50% after deductible

ER Visits $150 Copay $150 Copay $150 Copay $150 CopayOutpatient Surgery 20% after

deductible40% after deductible

30% after deductible

50% after deductible

Outpatient Diagnostics (Lab & X-ray)

20% after deductible

40% after deductible

30% after deductible

50% after deductible

Preventative/Routine Mammograms

Paid at 100% 40% after deductible

Paid at 100% 50% after deductible

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Visit Your Personal Website On myuhc.com

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Tools on myuhc.com

• Check claims status and history

• Learn about benefits and coverage

• Find in-network physicians and hospitals • Online statements

• View account balances

• Estimate and compare treatment costs

• Access discounts

• Print temporary ID card/request new card

• Research health topics & read articles

• Chat with a nurse in real-time

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ComPsychEmployee Assistance Program

www.guidanceresources.com, password: PCSO

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EAP Benefits

Information and assistance with life and work issues

24 hours a day, 7 days a weekLife/work issues impact job performanceCompletely confidentialAll members in home may access benefit

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EAP Services Up to Six (6) free face-to-face sessions

— per family member, per issue, per plan year Employee Assistance Specialists, Certified Employee

Assistance Professional, 3-5 years clinical experience EAP benefits include:

Family, marital and relationship problems Emotional difficulties such as depression, anxiety, guilt Online personal health info, news and resource tools Drug and alcohol dependence Job stress Child and elder care research and referrals Legal and financial concerns

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MedcoYour Pharmacy Benefit Manager

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Drug Co-payments

Participating Retail Pharmacies

Up to a 30-day supply*

Participating

Retail Pharmacies

Up to a 30-day supply*

(On 3rd fill)

Medco by Mail

Up to a 90-day supply*

Generic drugs $10.00 $15.00 $20.00

Brand-name drugs (Preferred) $25.00 $37.50 $50.00

Brand-name drugs (Non-preferred) $40.00 $60.00 $80.00

* Up to a 30-day supply or up to a 90-day supply, as prescribed by your doctor.

Medco by Mail Can Save You Money

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Drug Coverage

Retail Coverage- Use retail pharmacy for short-term

medications- Go to www.medco.com, “Find a

Local Pharmacy” or call Member Services at 800-711-0917, group name PINELRX

Medco By Mail – For maintenance/long-term

medications– No charge for standard shipping– Cost-effective and convenient,

medication delivered to your door– Continue to use retail pharmacy

for short term medications

Generics and plan-preferred medications will cost you less than non-preferred medications

Consider using Medco by Mail for long-term (maintenance) medications

Money Saving Tips

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How to use Medco by Mail1. Ask your doctor to fax your prescription to Medco

- Doctor writes 90-day prescription, with refills up to a year

- Provide member ID number on prescription drug card

- Doctor calls 888-327-9791 for instructions & faxes prescription (only doctor can fax prescription)

- Prescription delivered 5-8 days from receipt of fax

2. Mail-in your prescription

- Doctor writes 90-day prescription, with refills up to a year

- Mail prescription and order form

- Prescription delivered 7-11 days from the day you mail

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Visit www.medco.com

Order prescriptions online

Check your benefits and co-pay amounts

Review the formulary

Use the My Rx Choices tool to compare:

- Taking a generic or equivalent

- Using Medco By Mail vs. retail pharmacy

- Access to Consumer Reports Best Buy Drugs

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Register for Medco.com

Go to www.medco.com/register

Click “Register Now” and follow instructions

Member ID - Located on your prescription ID card

Prescription number on the refill slip or label on bottle

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United ConcordiaDental Benefits

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Dental Plan Options Preventative Only plan

– Reimburse the first $200 of preventative care – Procedures covered are:

Routine oral exams Cleaning and scaling of teeth Two bite wing x-rays per year One panoramic x-ray per 36 month period Fluoride treatments

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Dental Plan Options

Preventative Only Direct ReimbursementPlan * Full Dental Plan

Covered service 100% of the first $200100% of the first $15050% of the next $2,700

Maximum Benefit $200 $1,500 Deductible None None

* Out of Network benefits reimbursed at the 90% of Usual and Customary charge

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Dental Plan Administration

Contact United Concordia for dental claim questions – Customer Service : 1-800-332-0366– Website: www.ucci.com– Network: Advantage Plus

United Healthcare VisionVision Benefits

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United Healthcare Vision Providers No change in vision benefits from last year

Large provider network– Over 30,000 providers nationwide– Private practice and retail chain providers

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Schedule of Vision Benefits Bifocal Lens $20 copay $30 allowance Trifocal Lens $20 copay $40 allowance

UV Coating $15 Not CoveredTint (Solid) $13 Not CoveredTint (Gradient) $16 Not CoveredScratch Resistance $0 Not CoveredBasic Polycarbonate $25 Not CoveredStandard Anti-Reflective $45 Not CoveredOther Add-ons and Services

20% off retail price Not Covered

Medically Necessary 100% after $10 exam & $20 material copay

$200 allowance

Conventional $100 allowance then 15% off balance

$50 allowance

Disposables $100 allowance $50 allowanceFrames $110 allowance then

20% off balance$50 allowance

Lasik $562.50 allowance per eye

$562.50 allowance per eye

Lens Options

Contact Lenses

Other Services

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Accessing Vision Benefits Internet www.myuhcvision.com or www.myuhc.com

24-hour access Provider Locator & FAQ Claims and eyewear order tracking Nominate a provider to join network

Customer Service Center 8:30 a.m. to 8:00 p.m. ET Monday - Friday 9:00 a.m. to 5:00 p.m. ET Saturday

The StandardLife Insurance Accidental Death & Dismemberment Long Term Disability

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Life and AD&D Benefits

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Life and AD&D Benefits Accelerated benefit for terminally ill

Waiver of premium - 6 months total disability

Repatriation Benefit up to $5,000

MEDEX Travel Assist

Seat belt benefit - Up to $10,000

Air bag benefit - Up to $5,000

AD&D Family Benefits Package– Higher education benefit – Up to $20,000– Child care benefit – Up to $10,000 – Career adjustment benefit - Up to $10,000 for spouse training

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Life and AD&D Benefits Line of duty benefit - Up to $50,000 result of action performed in

the course of controlling or reducing crime and assigned duties

AD&D covers variety of accidental losses:– Loss of speech or hearing in both ears– Disappearance – Quadriplegia, Hemiplegia, Paraplegia– Occupational Assault– Public Transportation

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Long Term Disability Provisions

Waiting Period: 180 Days

Benefit: 60% of the first $10,000 of monthly pre-disability earnings

Maximum Benefit: $6,000

Minimum Benefit: $100

Maximum Benefit Period: To age 65 or Social Security Normal Retirement Age

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LTD Benefits Return to work incentive

$25,000 reasonable accommodation benefit

Standard SecureCard

Social Security assistance

3 months survivor benefits

Assisted Living Benefit - 80% of pre-disability earnings, adds up to $2,000 (month) to LTD benefit, not reduced by deductible income

Lifetime Security Benefit - Income for severely disabled employees beyond maximum benefit period

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The Standard Customer Service

Medical underwriting: 888-456-3505

LTD claim questions: 800-368-1135

Life claim questions: 800-628-8600

Visit the website at www.standard.com

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PayFlexFlexible Spending Accounts

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PayFlex Flexible Spending Account (FSA)

— Funded with pre-tax dollars

Two kinds of eligible expenses:

Health care - Medical FSA

— Maximum Contribution: $5,000

Dependent care - Dependent care FSA

—Maximum contribution: $5,000 or $2,500 if married and filing separately

FSA results in lower taxable income and more take-home pay

Flexible Spending Account

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– Medical FSA eligible expenses include: Prescription co-pays Doctor visit and ER co-pays Health plan deductible and coinsurance Dental services and orthodontics Lasik surgery, glasses, contacts

– Dependent care expenses - Dependent children & adults Elderly parent or disabled spouse Daycare, camps

Flexible Spending Account (FSA)

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Examples of Ineligible Health Care Expenses

– Diet Foods

– Cosmetics, Cotton Balls, Teeth Whitening

– Vitamins, Supplements, Aromatherapy

– Shampoo, Toothpaste, Suntan Lotion

– Cosmetic Surgery (unless medically necessary and approved by the plan)

– Shaving cream, Razors, Soap and Hand lotions

– Over the Counter Medications without a prescription

Refer to IRS Publication 502 for more information about eligible and ineligible expenses

What is NOT covered under an FSA?

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Tax Savings ExampleBased on $30,000 annual salary

No Flexible Spending Account Flexible Spending Account

Gross Monthly Income $2,500 $2,500

Pre-tax Dependent Care $0 $867

Pre-tax Health Care Expenses

$0 $100

Taxable Income $2,500 $1,533

Federal Tax (15%) $375 $229

FICA (7.65%) $191 $117

After-tax Dependent Care $867 $0

After-tax Health Care Expenses

$100 $0

Monthly Take Home Pay $967 $1,187

Estimated Savings for Member who Participates in the Healthcare and Dependent Care Flexible Spending Accounts = $220 per month or $2,640 per year

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Using your FSA Debit Card Use your FSA Debit Card like a regular debit or credit card for

your FSA eligible expenses– At your Physician’s office or the Pharmacy for copays– NOTE: You can no longer receive

reimbursement for over-the-counter

medicine without a doctor’s prescription

based on the new healthcare law

No Credit Check needed

Benefits of using the Debit Card include:– Instant Reimbursement– Reduction in receipt submission– Up to 80% of total claims are auto-adjudicated

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PayFlex Contact Information 1-800-284-4885

Web Access – 24/7 secure site– Check account claims status– Look up qualified expenses– Download claim forms– Interactive tool to calculate tax savings– Online at www.healthhub.com

What’s Next?

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Action Steps for Members Prior to August 3rd at 5:00 pm:

Active members must submit changes and/or confirm all elections in Ebonline, and provide documents for newly added dependents to HR

Retired members who wish to make a change must do so by: submitting changes in EBOnline, or by mailing form to HR-Benefits (must be received by 8/3/11 at 5pm), or by faxing completed enrollment form to (727) 582-5893, or by e-mailing the completed enrollment form to [email protected]. If no change, no action is required.

Questions? Contact HR - Benefits at (727) 582-2835