Annual Enrollment for Plan Year 2019
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Annual Enrollment for Plan Year 2019
www.gabreeze.ga.gov
2019 Annual
Enrollment Georgia
Breeze Website:
Opens: Monday,
October 15th 12:00AM
Closes: Friday,
November 2nd
11:59PM
* Benefits elected are effective January 1, 2019
February 2010 2
Flexible Benefits Enrollment thru
Georgia Breeze
Annual Enrollment
Visit www.gabreeze.ga.gov to enroll in your benefits today!
For assistance with the Georgia Breeze website or flexible benefits
enrollment, contact the Georgia Breeze call center at 1-877-342-7339,
8:00 AM – 5:00PM, Monday-Friday.
Print your confirmation page when you have completed your
elections!
– You may change your elections as many times as you wish during open
enrollment.
– The choices remaining in the system on November 2nd will be yours for all of
2019!
If you complete your enrollment verbally with a Georgia Breeze associate,
document the name of the representative, date, and time of the call.
If you do not login, all benefits from 2018 will rollover, except for the Flexible
Spending Account.
February 2010 3
Summary of Plan Changes for 2019
• Healthcare Flexible Spending Account contribution limit
increases to $2,604 (was $2,560).
• Disability Annual Benefit Salary maximum increase:
• Short Term Disability $86,684
• Long Term Disability $100,000
• Long Term Care 15% premium increase.
• Hyatt Legal new “Select Premium” tier.
• Premium decrease on Hyatt Legal Select and Select Plus tier options.
February
APRIL 2010 2010 4
Cigna Pre-Paid Dental/HMO
• Cigna Dental is a DHMO Plan – Cigna DHMO Rates
Required to use in-network providers
only. You $22.58
You + $41.15
• Coverage area is limited to where Spouse
network providers are located. Limited
providers in Savannah area. You + $51.03
Child(ren)
• There is no waiting period for any Family $60.86
covered services and no annual
maximum benefits.
February 2010 5
Dental Insurance – Delta Dental
Delta Dental Select Plan
$50 deductible per person/$150 family deductible (in-
network and out-of-network) per calendar year.
$500 maximum coverage per person each calendar
year.
100% Coverage for diagnostic/preventive services.
(Cleanings, xrays, etc.)
80% Coverage for basic services (fillings, extractions),
Endodontics (root canals), Periodontics (gum
treatments), and Oral Surgery.
50% Coverage for major services (crowns, inlays,
restorations, bridges, dentures, TMJ, surgical
periodontics.)
February 2010 6
Dental Insurance – Delta Dental
Delta Dental Select Plus Plan
$50 deductible per person/$150 family deductible (in-
network and out-of-network) per calendar year.
$2,000 maximum coverage per person each calendar
year.
100% Coverage for Diagnostic/Preventive services.
(Cleanings, xrays, etc.)
90% Coverage for Basic Services (fillings, extractions),
Endodontics (root canals), Periodontics (gum
treatments), and Oral Surgery.
60% Coverage for Major Services (crowns, inlays,
restorations, bridges, dentures, TMJ, surgical
periodontics.)
50% Coverage for Orthodontia Services, up to $2,000
lifetime maximum orthodontia benefit per person.
February 2010 7
Delta Dental Plans –
Late Entrant Penalties
Late Entrant Penalties – Delta Dental:
• If an employee does not carry dental insurance in the previous
plan year, or cannot prove that they have had continuous
dental insurance coverage, they are subject to “late entrant
penalties.”
• Under Delta Dental, the penalties are as follows:
• Six month wait for:
• Major services (crowns, inlays, restorations, bridges, dentures,
TMJ, surgical periodontics.)
• Orthodontia (Select Plus Plan Only)
February 2010 8
Delta Dental Premiums - 2019
Delta Dental – Delta Dental –
Select Plan Select Plus Plan
– You Only $26.20 – You Only $42.01
– You + Spouse $51.03 – You + Spouse $82.22
– You + Child $53.49 – You + Child $86.24
– You + Family $74.95 – You + Family $121.01
Admin fee is included in amount.
February
APRIL 2010 2010 9
Vision – Blue Cross/Blue Shield of Georgia Select Plan Select Plus Plan •Eye exam and eyeglass lenses •Eye exam and eyeglass lenses every year, copayments apply every year, copayments apply •$130 allowance for Frames •$150 allowance for Frames every two years every year •Prescription contact lenses - To •Prescription contact lenses - To receive the full $105 allowance, receive the full $150 allowance, you must receive your exam, you must receive your exam, fitting and evaluation at a single fitting and evaluation at a single visit to the same network visit to the same network provider. provider. February 2010 10
Important Note RE: Wal-Mart/Sam’s Club
providers
Most Walmart/Sam’s Club are out-of-network providers
Submission of the claim form below, with receipts is required to receive the in-
network benefit
February 2010 11Vision Premiums - 2019
BCBS of Georgia – Select BCBS of Georgia – Select
Plan Premiums Plus Plan Premiums
– You Only $5.50 – You Only $9.49
– You + Spouse $11.69 – You + Spouse $20.83
– You + Child $12.23 – You + Child $21.79
– You + Family $16.54 – You + Family $29.70
February
APRIL 2010 2010 12
Admin fee is included in amountThe Standard Company - Disability Plans
Short Term Disability
– 7-day wait or 30-day wait (from date of disability, until payment issued)
– Covers disability up to 6 months.
– 60% of pay, up to $1,000 per week, benefit salary maximum now $86,684
– Consider Sick/Annual Leave Balances.
– Late Entrant Penalty
> 60 Day wait for disability due to disease, mental disorder, or pregnancy within first
12 months of coverage.
Long Term Disability
– Covers disability after 6 months.
– 60% of pay, up to $5,000 per month, benefit salary maximum now $100,000.
– Benefits are paid after-tax, not considered taxable income when on LTD.
– Benefits generally are payable until end of disability
or Social Security Retirement Age.
> For some conditions, benefits are only payable
for two years. (Mental Disability, substance abuse, etc.)
*Rates are based on employee age and salary.
February 2010 13AFLAC Critical Illness & Accident Coverage
Specified / Critical Illness Plan Design
Select Plan = Critical Illness Coverage, Lump Sum Benefit
Select Plus Plan = Critical Illness + Accident Coverage
A complete list of benefits and descriptions is available in the summary plan
description.
Rates are based on employee/spouse age and coverage level.
Child coverage included at 50% elected benefit level, with no additional cost.
February 2010 14AFLAC Critical Illness Coverage
Covered Diagnoses:
Critical Illness Coverage:
Heart Attack Stroke
– Lump Sum Benefit paid following diagnosis. Major Organ End-Stage
Transplant Renal Failure
– Child coverage at no additional cost, up to
age 26. 50% of benefit is payable for Internal Coma
Cancer
children.
Severe Burns Paralysis
12-month interval with 50% benefit for 2nd Loss of Sight, Alzheimer’s
occurrence. Hearing or (25%)
Speech
Cancer 12-month treatment-free re-occurrence
interval. 50% benefit for 2nd occurrence. Caricnoma in Coronary
situ (25%) Artery (25%)
Reminder: Coverage for Spouse Specified
Illness cannot exceed coverage level for
Employee Specified Illness and must be same
tier.
February 2010 15AFLAC Critical Illness
Critical Illness Health Screening Benefits:
– Receive a maximum $100 ($160 for Select Plus) for completion of any
one covered screening test per calendar year.
– Payable to employee and spouse, (as long as both take test)
regardless of results
Examples of Covered Tests Include:
Stress Test (Bicycle or Blood Triglycerides
Treadmill)
Fasting Blood Glucose Serum Cholesterol
Bone Marrow Testing Breast Ultrasound
Chest X-Ray Mammography
Colonoscopy Pap Smear
Flexible Blood Tests for breast, ovarian,
Sigmoidoscopy prostate, colon cancer, or
myleomia
February 2010 16Long Term Care Insurance
Long Term Care Insurance – Unum Insurance
– Nursing Facility Insurance, covers some in-home 15% Rate
care, adult day care.
– Must require continual assistance with at least three
Increase
activities of daily living to be considered disabled and
qualifying for benefits.
Employees can go to the
– 90-day wait period after disability before benefits are website: unuminfo.com/sog
payable. or contact Unum at
– Plans offered for employees, spouses, parents, in- 1 800-227-4165 for
laws, includes adoptive or step-parents. additional information
– Only employee premiums taken through payroll
deductions. All other premiums direct billed by
Unum.
– Medical Underwriting required for covered spouse,
parents, or in-laws.
– Medical Underwriting required for employees
electing coverage for the first time, after a break in
coverage, or electing a higher level of coverage.
February 2010 17Life Insurance – Met Life
Employee Life, Spouse, and Child Life
Employee 1x to 10x Benefit Salary;
Max Coverage $2,000,000
Premiums based on age, salary, & coverage
selection
Spouse $6,000, $12,000, $30,000, $60,000, $100,000,
$150,000, $200,000, $250,000
Premiums based on employee’s age, salary, and
coverage selection.
Child $3,000 ($0.92), $6,000 ($1.14), $10,000 ($1.44),
$15,000 ($1.81), $20,000 ($2.18)
February
APRIL 2010 2010 18Life Insurance – Met Life
Life Plans – MetLife
Current employees wishing to increase their current level of
coverage more than one level will be required to complete the
online Statement of Health (SOH) and/or medical underwriting.
Employees wishing to enroll in Spouse Life or increase the
current level of spouse coverage will be required to complete
the online Statement of Health (SOH) and/or medical
underwriting.
– Employees are required to pre-register their spouse on the
Gabreeze website before the Statement of Health form will
be available online.
Child life covers children up to age 26. Disabled children may
be covered after age 26.
Coverage includes:
– Waiver of premium for total disability, more than 180 days.
– Will preparation/estate planning with Hyatt Legal partner.
Don’t forget! Child or spouse life coverage cannot exceed
employee life coverage!
February 2010 19Accidental Death & Dismemberment –
Met Life
MetLife AD&D offers :
– Up to 10x AD&D coverage, up to $2 million
– If you are age 75 but less than 80, the value of your coverage is reduced to
50%
Accidental Death & Dismemberment
– Payable on death or injury due to a covered accident.
– Be sure to designate your beneficiaries!
Premiums are based on employee’s age and salary
February 2010 20Flexible Healthcare Spending Account -
WageWorks
Healthcare Spending Account
– Set aside pre-tax money to use for healthcare
expenses.
– Maximum amount increased to $2,604
annual/$217/month ( $44 annual limit from
PY2018)
– Minimum annual contribution is $120.00
– Qualifying expenses include: prescriptions,
contact lenses/glasses, eye surgery,
procedures/surgeries not covered by
insurance, health insurance co-insurance.
– Excluded expenses include: over the counter
drugs, electrolysis, vitamins/herbal
supplements, hair transplants, nicotine patches
or gum, teeth whitening.
February 2010 21Flexible Healthcare Spending Account –
Reminders
Money is “Use or Lose”
– You have until March 15, 2020 to use money placed in your 2019
spending account.
– Current spending accounts may be utilized through March 15, 2019.
Entire amount is available on January 1st.
Visa debit card available for purchases, but keep your receipts!
Contributions must be re-elected each year, they do not rollover.
Once you enroll in a FSA you may not cancel during the plan year.
www.wageworks.com
State of Georgia Code:
STATEOFGE-10029
February 2010 22Flexible Healthcare Spending Account –
WageWorks
Flexible Spending Accounts & Health Savings Accounts
Per IRS guidelines, it is prohibited to participate in a Flexible
Spending Account and a Health Savings Account.
If an employee does enroll in both a Flexible Spending Account and
Health Savings Account in error, they may submit an appeal form to
Georgia Department of Administrative Services (DOAS) to cease
participation in the Flexible Spending Account.
– Appeals are reviewed by DOAS, and GA Breeze will be notified of
the final determination regarding the Spending Account
February
APRIL 2010 2010 23Flexible Dependent Care Spending
Account - WageWorks
Dependent Care Spending Account
– Set aside pre-tax money to use for child care expenses for your
children under age 13 Care of a dependent at any age, who is
unable to care for themselves due to a disability may also
qualify.
– Maximum family amount $4,992 annual/$416 per month can be
set aside per year under IRS rules.
– Money is “Use or Lose”
> Funds placed in 2019 dependent care spending accounts
must be used by December 31, 2019.
> Current year dependent care spending account balances
must be used by December 31, 2018.
– Both employee and spouse must be working full time or
enrolled in school full time to utilize this benefit.
– Eligible expenses include: preschool, nursery school, after
school care.
– Ineligible expenses include: activity fees, field trips, clothing,
food, entertainment, Kindergarten, overnight camps, sports
lessons, transportation, or private school tuition.
February 2010 24Hyatt Legal Plans
Hyatt Legal Plans – New Select Premium Option
•Wills and codicils ALL SELECT FEATURES, PLUS: ALL SELECT & SELECT
Select
Select Plus
Select Premium
•Living wills •Probate proceedings PLUS FEATURES, AND:
•Powers of attorney •Consumer protection matters •Personal Property Protection
•Unlimited phone and office •Personal bankruptcy or Wage •Small Claim Assistance
advice and consultations Earner Plan •Demand Letters
•Traffic ticket defense (no DUI) •Tax audits •Prenuptial Agreement
•Document review •Civil litigation defense •Property Tax Assessments
•Affidavits •Administrative hearing •Zoning applications
•Deeds representation •Restoration of Driving
•Mortgages •Incompetency defense Privileges
•Promissory notes •Change or establishment of •Living Trusts
•Elder law matters custody order or visitation rights
•Personal Injury (25% •Adoption and legitimization
maximum fee) •Divorce/Dissolution/Annulment
•Sale, purchase and •Enforcement or modification of
refinancing of your primary support orders
residence and second or •Guardianship/conservatorship
vacation home •Immigration assistance
•Home equity loans for your •Eviction and tenant problems
primary residence and second •Name change
or vacation home •Juvenile court defense
•Debt collection defense •Security deposit assistance
•Identity theft defense •Protection from domestic
•Reduced fee Benefit violence
(25%discount)
February
APRIL 2010 2010 25Hyatt Legal Plans – Rates
Legal Plans – Hyatt
National network of over 14,000 attorneys, 450 attorneys
within the State of Georgia
Select Select Select
Plus Premium
Employee $5.97 $4.65 $8.75
Family $7.46 $9.80 $10.90
February
APRIL 2010 2010 26Update Beneficiaries! Have you had changes to your family? • Birth/Adoption • Marriage • Divorce • Death Don’t forget to review your beneficiaries for: • Life Insurance/Accidental Death & Dismemberment • Retirement – TRS or ERS • Supplemental Retirement Savings: 401(k), 457, 403(b) • Final Paycheck February 2010 27
Thank
You!
February 2010 28You can also read
