Open Enrollment October 17 - October 31, 2022 - 2023 BENEFITS 365 - Prince George's County
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2023 BENEFITS 365
DECISION GUIDE
PRINCE GEORGE’S COUNTY GOVERNMENT
BE N E F ITS
365
PROUDLY SERVING YOU EVERY DAY
Discover Your Benefits
Open Enrollment
October 17 – October 31, 2022
2023 BENEFITS 365 DECISION GUIDE 1
WHAT’S
INSIDE
3 Benefits-At-A-Glance
4 Open Enrollment
6 Enrollment Overview
11 Cost of Coverage
YOUR HEALTH & WELLNESS
12 Medical BENEFITS 365
15 Prescription Drug
Benefits 365 provides Prince George’s County employees and retirees access to:
16 Dental
17 Vision Competitive Coverage – We compare our benefits to what other organizations offer to ensure
18 Tax-Free Accounts it is competitive. Our competitive coverage balances the needs of our government—helping us
20 Employee Assistance Program attract and retain top talent to achieve our Proud Priorities, Proud Results—with sustaining our
investment in Benefits 365 for the future.
YOUR FINANCIAL FUTURE
21 Retirement Savings Caring Connections – Benefits 365 provides caring connections: programs, resources and tools
457(b) Deferred Compensation Plan which help our employees access financial planning resources, mental health support, actively
Pension Plan manage chronic health conditions, engage in wellness activities, and practice preventive care.
22 Life and Disability
Quality Care – Benefits 365 brings our employees access to quality care with designations to
YOUR VOLUNTARY OPTIONS help them identify quality providers and access to specialists to support their physical, mental, and
23 Supplemental Coverage financial health. Quality care provides opportunities for our employees to play an active role in
Critical Illness preventive care, seek the support they need for ongoing management and treatment of diagnosed
Accident conditions and access to vetted income security and retirement savings options.
Dental
Whole Life Comprehensive Choices – Benefits 365 offers our employees new plans; new programs; new
Short-Term Disability vendor partners; and new tools and resources. That means more choices to better meet our
employees’ needs—today and tomorrow.
25 Legal Services
26 Resources to Help You We are committed to providing the tools, resources and information you need to make the right decisions for
yourself and your family. Use this guide to understand the benefit programs and resources to help you make
the most of Benefits 365.
2 2023 BENEFITS 365 DECISION GUIDE
B E NE FITS
365
BENEFITS
AT-A-GLANCE
Benefits 365 provides you with the
benefits you need to protect yourself
and your family every day of the year.
YOU AND PGCG SHARE THE COST PGCG PAYS THE FULL COST YOU PAY THE FULL COST
Medical Level Up (Employee Wellness Program) Tax-Free Accounts (Benefit Strategies)
Choose from three medical options: f Health Care Flexible Spending Account (FSA)
f Kaiser Permanente Health Maintenance Organization
Employee Assistance Program (EAP) f Dependent Care Flexible Spending Account (FSA)
(Kaiser HMO) Basic Life and Accidental Death
f Cigna Open Access Plus In-Network (Cigna HMO) & Dismemberment (AD&D) Extra Life (MetLife)
f Cigna Open Access Plus (Cigna PPO) f Basic Life Whole Life (Unum)
Prescription Drug Generics for Five Classes of Prescription Drugs Disability (MetLife)
Elect coverage through Express Scripts. f Short-Term Disability
First Responder Program
f Long-Term Disability
Dental
Supplemental Life
Choose from two dental options: Critical Illness (Unum)
(For police officers, deputy sheriffs, firefighters, paramedics and
f Aetna Dental DMO
emergency response technicians)
f Aetna Dental PPO Accident (Unum)
Supplemental Dental (Aflac)
Vision
Choose from two vision options: Legal Services
f VSP Basic f Legal Resources
f VSP Buy-up f LegalShield
Pension Plan 457(b) Deferred Compensation Plan
2023 BENEFITS 365 DECISION GUIDE 3
O P E N
ENROLLMENT
October 17 - October 31
Review the Open Enrollment Checklist
for in-person and virtual sessions. As you
discover your benefits, we may be visiting
a site near you!
WHAT'S NEW HOW TO ENROLL OR OPT-OUT? REMINDERS
Public Service Members: The First Responder Peer Enroll online: October 17 – October 31, 2022 Flexible Savings Account (FSA)
Support Program is designed to improve the mental well- If you want to enroll, make changes or terminate Every plan year you must designate the amount to be set
being for police, 911 operators, and emergency medical participation in a core benefit plan(s), you must complete aside in your FSAs. Reminder, you can rollover up to $570
service providers. The program is delivered by Aetna's the online enrollment process. If you don’t make changes, in unused funds from the previous calendar year to the
subcontractor, Responder Health, and will provide your current elections will roll over at 2023 rates. You new year. Any amount over $570 will be lost if you have
eligible employees with direct access to trusted peers must re-enroll in the Flexible Spending Accounts (FSA) to not used by December 31, 2022. There will be no grace
who know and understand what they are going through participate. In addition, you must re-enroll in the Medical periods.
and can help direct them on their path to better health. Opt-Out Credit each year by completing the Medical
Dependents
Express Scripts: Copays have been reduced to zero Opt-Out section in Employee Self-Service during the
Any new dependents or dependents dropped during the
dollars ($0) for five classes of generic medication: Open Enrollment period.
Dependent Verification Audit that need to be reinstated
diabetes; cholesterol; high blood pressure; anxiety; and
will need to provide documentation to verify eligibility.
depression. MEDICAL OPT-OUT PROCESS
Required documents not submitted in time will result
Vision Service Plan: The new EveryEye Program will If you want to opt-out of the medical and/or prescription
in the loss of coverage for your dependents and no
provide discounts on services and products for anyone drug plans and receive the opt-out credit, you must:
coverage for the new plan year. Document requirements
not currently enrolled in the County's vision plan.
f Enroll in the Medical Opt-Out and/or Prescription are on page 7.
Health Insurance (Cigna)
Opt-Out Credit each year by selecting the opt-
Cigna health insurance plans will now have reduced co-
out option(s) at https://portal.sap.mypgc.us and
pays for mental health visits ($20 reduced to $10).
completing the attestation in Employee Self-Service.
If you do not waive your coverage for the 2023 plan
year, the opt-out credit(s) will terminate at the end of
the current plan year.
4 2023 BENEFITS 365 DECISION GUIDE
B E NE FITS
2023
365
OPEN ENROLLMENT
DISCOVER
YOUR BENEFITS!
Open Enrollment is coming soon! Here are the Open Enrollment events for this year.
This is your chance to discover your benefits and make
any changes to your benefit elections for 2023. Open Event Date Time Location
Enrollment will be held Monday, October 17, through
Monday 10:00 a.m. to
October 31, 2022 at 11:59 p.m. ET. This year, Open Virtual Kick-off Event
October 17th 11:00 a.m.
Enrollment will feature in-person and virtual sessions. If
you have questions about Open Enrollment, specific Wednesday 10:00 a.m. to 1400 McCormick Drive
benefits, or if you need assistance enrolling, contact the Benefit Fair (OHRM)
October 19th 6:00 p.m. Lobby and Computer Lab
Open Enrollment Call Center at 301-298-8140. Benefits
counselors will be available Monday through Friday, 8 Enrollment Thursday 8:00 a.m. to
a.m. to 6 p.m. 8400 D’Arcy Road
Assistance Session October 20th 10:00 a.m.
Tuesday 10:00 a.m. to 1400 McCormick Drive
Benefit Fair (OHRM)
October 25th 6:00 p.m. Lobby and Computer Lab
Enrollment Wednesday 12:00 p.m. to 100 Shady Glen Drive
Assistance Session October 26th 7:00 p.m. Fitness and Wellness Center
2023 BENEFITS 365 DECISION GUIDE 5
B E NE FITS
365
E N RO L L M E NT
O V E RV I E W
You have 30 days from your date of
hire to enroll in your benefits.
WHO IS ELIGIBLE Dependent Verification on your County coverage beyond the normal age limit if
To add a dependent, you must complete the Dependent the disability continues and the child remains unmarried.
You are eligible to receive the benefits described in this
Verification Form and submit a copy of your supporting You will be required to provide certification annually
guide if you are a:
documentation (as outlined on page 7) to the OHRM for your dependent with a disability. Recertification
f Full-time permanent employee; Benefits Division within 30 days of enrollment: for dependents with disabilities will be every two to
f Part-time permanent employee who generally works f Email: benefits@co.pg.md.us three years. Documentation must be on file prior to the
at least 15 hours per week; or dependent child reaching age 26. A copy of the Medicare
f Fax: Send your documents to 301-883-6192
f Active accessors and judges (Circuit and District Card is required if the dependent with a disability is
Court). All documents must include the employee’s name eligible for Medicare through disability.
If you are a limited-term grant funded employee whose and employee ID number. If you do not provide the
required documentation, your unverified dependents will Ineligible Dependents
position includes funding for medical benefits, you are
be dropped from coverage. Dependent children over the age of 26 (unless the
only eligible to participate in the Cigna PPO or Cigna
dependent has a disability), dependent children for
HMO medical plans. See the next page for the types of documents required. whom you do not have guardianship or legal custody,
Dependent Eligibility common law spouses, or ex-spouses that have not been
Dependents with Disabilities
You may enroll your eligible dependents in the same plans removed from the plan are not eligible for coverage.
Children who are physically or mentally incapable of self-
you choose for yourself. You must submit documentation support as determined by medical certification continue
to verify their eligibility see Dependent Verification.
6 2023 BENEFITS 365 DECISION GUIDE
ENROLLMENT B E NE FITS
OVE RV I EW 365
Dependent Type Documents Required
*
Standard proof of joint ownership includes:
Government issued Marriage Certificate AND Current proof of Joint Ownership*. If married in the past 12 • Mortgage statement
Spouse months, only Government issued Marriage Certificate is required. Note: Submit a copy of Medicare card if
your spouse is enrolled in Medicare. • Bank statement (bank account verification letter
Newborn Biological Government issued Birth Certificate that includes parents’ names AND Social Security Card. Note: Birth showing active status)
Child Registration Notices are not accepted as dependent documentation. • Active lease agreement
Biological Child Government issued Birth Certificate that includes parents’ names.
• Homeowners' Insurance
Amended Government issued Birth Certificate that includes parents’ names or Adoption Certificate or
Adopted Child
Placement Agreement AND Social Security Card. • Renters' Insurance
Government issued Birth Certificate that includes parents’ name AND Government issued Marriage • State Tax Return (within 1 year)
Stepchild
Certificate.
• Credit card statement (includes department stores,
Government issued Birth Certificate, Court Ordered Document of Guardianship, AND and care credit)
Legal Ward
Social Security Card.
• Property tax
Documentation listed above AND Federal Tax Return within last 2 years claiming the child. Note: Disabled
Disabled Child • Current-year state tax return listing spouse/partner
Adopted Children cannot verify with a placement agreement or petition.
Children who are the • Current-year mortgage interest/mortgage insurance
subjects of a Qualified Qualified Medical Child Support Order required. This order creates the right of the children to receive
• Warranty deed
Medical Child Support health insurance benefits under an employee or retiree’s coverage.
Order (QMCSO) • Auto loans
• Current-year federal tax return listing the spouse
2023 BENEFITS 365 DECISION GUIDE 7
B E NE FITS
SURVIVING 365
SPOUSE/DEPENDENTS
Spouses of Active Employees
Spouses of active employees who are covered under
the employee’s health insurance plan(s) will be able to
continue their coverage as a Surviving spouse only if
the employee is a public safety officer who dies in the
line of duty. All other active employees’ spouses and
dependents will be offered COBRA in the event of their
death. Eligible spouses will be charged the monthly
retiree health insurance premium for the public safety
class the employee was enrolled upon their death.
Dependents of Active Employees
Dependents of active employees with no spouse
on their plan(s) will be able to continue their health
insurance coverage as a surviving dependent only if Spouses and Dependents of Retirees plan will be offered COBRA as their health insurance
the employee is a public safety officer who dies in the Spouses and dependents of retirees who are covered coverage with the County will terminate at the end of
line of duty. Surviving dependents will be allowed to under the retiree’s health insurance plan(s) will be able the month in which they marry. Surviving dependents
continue coverage with the County up until the end to continue their coverage as a surviving spouse or will be allowed to continue coverage up until the end
of month in which they turn 26. Eligible dependents surviving dependent upon the retiree’s death. Surviving of the month in which they turn 26 and then will be
will be charged the monthly retiree health insurance spouses will be allowed to continue coverage with the offered COBRA. Surviving dependents are not allowed
premium for the public safety class the employee was County until their death as long as they don't remarry. If to add new dependents to their coverage. All dependent
enrolled upon their death. the spouse remarries, they and any dependents on the children will be allowed to continue their coverage
up until end of month in which they turn 26. Eligible
surviving spouses/dependents will be billed the monthly
survivor health insurance premium.
8 2023 BENEFITS 365 DECISION GUIDE
ENROLLMENT B E NE FITS
OVE RV I EW 365
HOW TO ENROLL IN YOUR BENEFITS
CORE BENEFITS
If you want to enroll, you must complete the online enrollment process within 30 days of your date of hire. To get
started, log in to Employee Self-Service (ESS) at https://portal.sap.mypgc.us. If you need help accessing the Medical
system, contact the OIT Helpdesk at 301-883-5322.
Dental
1. Personal Profile – Review and update your personal information. Vision
2. Dependents and Beneficiaries – Add your dependent information. Beneficiary updates and/or changes can be Prescription Drug
made at any time during the year using Anytime Changes in Employee Self-Service (ESS).
Flexible Spending
3. Benefits Summary – Review your current elections. Accounts (FSA)
4. Health Benefit Plans – Select your medical, prescription drug, dental and/or vision coverage. Select your option Life
for each plan, then click “Add.”
Disability
If you want to opt-out of the medical and/or prescription drug plans, you must:
f Click on the opt-out option under the medical and/or prescription drug plans;
NOTE: If you are a limited-term grant funded
f Attest to understanding of the medical opt out agreement prompt employee, you may only change enrollment
elections if your contract permits. Enrollment
5. Insurance Plans – Select Life and Disability plans. in the Cigna HMO or Cigna PPO is subject to
department approval.
6. Flexible Spending Accounts (FSAs) – Enter the annual dollar amount you want to contribute to a Health Care
and/or Dependent Care FSA for calendar year 2023. Click "Calculate" to estimate your bi-weekly cost.
7. Review and Save – Click the "Save" button to complete and submit your enrollment elections. You will see the
message: “Data Saved Successfully.” Click the “PRINT Benefit Elections Summary” to print a copy for your records.
If you do not receive this option, please immediately contact OHRM at benefits@co.pg.md.us to confirm your HOW TO ENROLL IN
elections were properly submitted. VOLUNTARY BENEFITS
To participate in one of the voluntary benefit options,
you must contact the provider directly:
f Unum: Call Unum at 301-298-8140
f Legal: Call Legal Resources at 1-800-728-5768
or LegalShield at 1-800-654-7757
f Supplemental Dental plan: Call Aflac at
410-394-9617 or schedule an appointment
2023 BENEFITS 365 DECISION GUIDE 9
B E NE FITS
QUALIFYING 365
LIFE EVENTS
LIFE CHANGES? MAKE CHANGES! The required documentation for the addition of IF YOU DON’T ENROLL
new Eligible Dependents will need to be sent to
If you need to make a change to your health benefit If you do not enroll within 30 days of your eligibility date,
Benefits@co.pg.md.us within the thirty (30) days of
plan(s) after open enrollment has ended… what do you you will have to wait until the next Open Enrollment
the qualifying life event. The list of required dependent
need to do? period to enroll, unless you experience a qualifying life
documentation is on page 7.
event.
If you experience a qualifying life event after open
enrollment has ended, you will need to complete an
Enrollment Change Form within thirty (30) days of the NOTE:
qualifying life event. If you fail to notify the Benefits Division within 30
days, you may not enroll, cancel, or change coverage
Some of the major qualifying life events that permit
until the next annual Open Enrollment, unless you
enrollment or change to the health benefit plans are:
have another qualifying life event.
• Marriage, divorce, or legal separation
• Death of the employee’s spouse or dependent
You will need to provide documentation to verify the
• Birth, adoption or legal guardianship of a child qualifying life event as outlined below.
• Change in eligibility status of a dependent of the Accordingly, the IRS states “that each covered employee
employee, including attainment of age limit of or qualified beneficiary is responsible for notifying the plan
eligibility administrator of the occurrence of a qualifying event that
is either a dependent child’s ceasing to be a dependent
• Change in dependent’s job that results in addition or
under the generally applicable requirements of the plan
loss of coverage
or a divorce or legal separation of a covered employee.”
• Status change of an employee (i.e., part-time to Treas. Reg. §54.4980B-6, Q/A-2(a)
full-time, full-time to part-time, beginning leave of
absence or returning from such leave)
• Relocation into or out of network area for employee,
spouse and dependent;
• An employee, spouse, or dependent becomes
enrolled under Medicare or Medicaid.
10 2023 BENEFITS 365 DECISION GUIDEB E NE FITS
COST OF 365
C OV E R AG E
The County pays most of the cost of
your employee benefits; however,
you also contribute to the cost of
your benefits through tax-free or
after-tax payroll deductions.
Before-Tax ALL ACTIVE EMPLOYEES 1 CROSSING GUARDS
f Medical Bi-Weekly Rates (Paid Over 26 pay periods in 2023) Bi-Weekly Rates (Paid Over 20 pay periods in 2023)
f Prescription Drug Plan Individual Two-Person Family Plan Individual Two-Person Family
Medical Medical
f Vision
Kaiser Permanente $64.31 $128.34 $185.98 Kaiser Permanente $83.60 $166.85 $241.78
f Dental
Cigna HMO $69.10 $138.23 $193.28 Cigna HMO $89.83 $179.70 $251.27
f Health Care FSA
Cigna PPO $108.27 $218.35 $306.65 Cigna PPO $140.75 $283.86 $398.64
f Dependent Care FSA
Prescription Drug Prescription Drug
f 457(b) Plan Express Scripts $14.28 $28.76 $36.74 Express Scripts $18.56 $37.38 $47.76
f Pension Vision Vision
VSP Basic Plan $0.57 $0.97 $1.29 VSP Basic Plan $0.74 $1.26 $1.68
After-Tax VSP Buy-Up Plan $1.01 $1.86 $2.53 VSP Buy-Up Plan $1.32 $2.41 $3.30
Dental Dental
f Critical Illness and Accident
Aetna Dental DMO $9.40 $14.59 $18.57 Aetna Dental DMO $12.22 $18.97 $24.14
f Supplemental Dental
Aetna Dental PPO $18.50 $33.80 $50.00 Aetna Dental PPO $24.05 $43.94 $65.00
f Whole Life
1
Excluding Crossing Guards
f Short-Term Disability
f Long-Term Disability You and the County share the cost of coverage:
f Legal
f Cigna HMO and Kaiser HMO – County pays 75%, you pay 25%
f Extra Life
f Cigna PPO – County pays 70%, you pay 30%
f Prescription drug and vision – County pays 85%, you pay 15%
2023 BENEFITS 365 DECISION GUIDE 11B E NE FITS
365
M E D I C AL
The County offers you three medical
plan choices so you can choose the
coverage that is right for you.
E V E R Y D AY
TIPS
You have a choice of three medical plan options: MY CIGNA: YOUR PERSONAL HEALTH MANAGER
f Cigna Open Access Plus (Cigna PPO) myCigna gives you a simple way to personalize, organize, and access your important health
information. It puts you in control of your health, so you can get more out of life—
f Cigna Open Access Plus In-Network (Cigna HMO)
and Benefits 365. Get started at myCigna.com.
f Kaiser Permanente Health Maintenance Organization
(Kaiser Permanente HMO) Healthcare professional directory Estimate costs
f Search for a doctor or healthcare facility $ f Estimate the cost of in-network services
Each plan offers comprehensive coverage, the plans
from the Cigna national network and before treatment
differ in benefit levels, cost, and flexibility in your choice
compare quality-of-care ratings f Look up the cost of medications before
of providers and facilities.
f Access maps for driving directions you have your prescription filled
CIGNA PPO
ID cards Wellness programs
The Cigna PPO offers coverage through the Open
f View ID cards for the entire family f Connect with a health coach
Access Plus network. Coverage is available in- and out-
f Print, email, or scan ID cards f Access health and wellness phone
of-network; however, you will pay less when you use
seminars
network providers. You do not have to select a Primary
Claims f Learn from Cigna Health and Wellness
Care Physician (PCP) or get a referral to a specialist.
f View and search recent and past claims Library
CIGNA HMO f Bookmark and group claims for easy
reference Telehealth
The Cigna HMO offers coverage through the Open
f Meet with a board-certified doctor by
Access Plus network. You do not have to select a Primary
Account balances phone or video via MDLIVE
Care Physician (PCP) or get a referral to a specialist.
f Access and view HSA balances – MDLIVEforCigna.com
Coverage is not provided if you see out-of-network
providers except in a true emergency. f Review plan deductibles and coinsurance – 888-726-3171
12 2023 BENEFITS 365 DECISION GUIDEYOUR HEALTH & B E NE FITS
W E L L N E S S 365
KAISER PERMANENTE HMO E V E R Y D AY
The Kaiser Permanente HMO uses a regional network of providers and except in medical emergencies, the plan does CARE WHEN TIPS
not provide benefits for care received out-of-network. Kaiser Permanente of the Mid-Atlantic has medical facilities
in Maryland, Virginia, and the District of Columbia. Members have exclusive access to over 1,000 primary care and
YOU NEED IT
REACH A DOCTOR 24/7
specialty physicians plus access to over 12,000 community based physicians. With the Kaiser Permanente HMO plan,
you choose a primary care physician to coordinate your care. Telehealth is a great option for non-emergency
care, especially if you don’t feel comfortable
When you participate in the Kaiser Permanente HMO, you have access to:
leaving your home. Your personal provider
Top-rated doctors More services under one roof may offer virtual care visits or you can access
Kaiser Permanente of the Mid-Atlantic States Do more in less time. In most of our facilities, no-cost telehealth services when your provider
has 1,500+ specially selected physicians— you can see your doctor, get a lab test, and isn’t available.
and they’re recognized in the community for pick up prescriptions—all in a single trip.
the quality of care they provide. On a scale
How to access telehealth
f Call your personal provider
of 1 to 10, more Kaiser members rate their Digital health tools Many doctors and mental health professionals will
doctor a 9 or 10 than any other health plan in With Kaiser Permanente, you can manage treat patients through telehealth. Call your doctor
the area. your health on the devices you already use to see if they’re participating in telehealth or if
every day. You can email your doctor’s office they think you should come into the office for any
Personalized care with non-urgent questions, schedule routine chronic health needs. Since they already know
Your doctors, nurses, and specialists are appointments, and check most lab test your medical history, they’re a great first option.
connected to your electronic health record, results online.
so they can work together to deliver great f Use MDLIVE (Cigna participants)
Wellness programs Meet with a board-certified doctor by
care that’s right for you.
Kaiser Permanente members have access phone or video. Register now, so you are
to podcasts, healthy lifestyle programs, an ready when you need it:
More care options information library to learn about specific
It’s up to you how you get care—in person, MDLIVE
conditions and diseases, wellness coaching, MDLIVE forCigna.com
by phone, or online. In some cases, you can center-based classes and workshops and so
even save time by scheduling a video visit. 888-726-3171
much more.
Flexible options make it easy to stay on top f Use Video Visits (Kaiser Permanente
of your health, no matter how busy you are. participants)
Make an appointment for a video visit by signing
into kp.org, using the mobile app, or calling
To get started, visit https://my.kp.org/princegeorgescountygovernment.
1-800-777-7904 (1-800-700-4901, TTY).
2023 BENEFITS 365 DECISION GUIDE 13YOUR HEALTH & B E NE FITS
W E L L N E S S 365
YOUR MEDICAL OPTIONS AT-A-GLANCE
Cigna PPO Cigna HMO Kaiser Permanente HMO
Calendar Year Deductible In-Network Out-of-Network In-Network Only In-Network Only
Employee Only $50 $300 $50 None
Family None $550 None None
Annual Out-of-Pocket Maximum 1
Employee Only $2,000 $2,000 $2,000 $3,500
Family $4,000 $4,000 $4,000 $9,400
Emergency Services
Emergency Room/Care (waived if admitted) $150 copay/visit AND deductible $150 copay/visit AND deductible $50 copay/visit
Emergency Medical Transport No charge No charge No charge
Urgent Care $50 copay/visit AND deductible $50 copay/visit AND deductible $15/visit
Mental Health
Outpatient Care Physician’s Office $10 copay/visit 80% after deductible $10 copay/visit Individual: $10/visit; Group: $5/visit
Inpatient Care $250 copay/visit AND deductible 80% after deductible $250 copay/visit AND deductible $100/admission
Maternity Care
$35 for initial visit, $35 for initial visit,
Office Visits (for mother) 80% after deductible No charge
then 100% then 100%
Childbirth/delivery: Physician Services No charge after deductible 80% after deductible No charge after deductible Included in facility fee
$250 copay/admission $250 copay/admission
Childbirth/delivery: Facility services 80% after deductible $100/admission
AND deductible AND deductible
Inpatient Services
$250 copay/admission $250 copay/admission
Hospital Stay 80% after deductible $100/admission
AND deductible AND deductible
Hospice Care No charge after deductible 80% after deductible No charge after deductible No charge
Skilled Nursing Care No charge after deductible 80% after deductible No charge after deductible $100/admission
Outpatient Services
Primary Care Visit $30 copay 80% after deductible $30 copay $15/visit
Specialist Visit $35 copay 80% after deductible $35 copay $15/visit
Preventive Care No charge 80% after deductible No charge No charge
Diagnostic Test (X-ray, blood work) No charge 80% after deductible No charge No charge
1
Premiums, balance billing, penalties for failure to obtain pre-authorization, and expenses for services not covered by the plan do not apply toward the out-of-pocket maximum.
14 2023 BENEFITS 365 DECISION GUIDE 2022 BENEFITS 365 DECISION GUIDE 14B E NE FITS
365
P R E S C R I PTI O N
D RU G
Elect coverage through Express
Scripts and have access to a
nationwide network of pharmacies.
E V E R Y D AY
With Express Scripts, you can receive your prescriptions
at a retail or mail order pharmacy.
Benefits-At-A-Glance
Express Scripts SAVE ON TIPS
Mandatory Generics
If you request a brand name drug when a generic
Annual Deductible
Out-of-Pocket Maximum
$50 per person
$3,850/individual
DRUGS
$7,700/family The average American pays nearly $1,200/year for
equivalent is available, you pay the difference in cost.
Retail Pharmacy (30-day supply) prescription costs. But, there are ways for you to
Mandatory Mail Order for Maintenance Medications Generic Drug $10 copay lower your prescription drug costs:
If you take a medication, you must fill the prescription as
20% coinsurance f Generic medications provide you with the same
a 90-day supply—via the home delivery program. Filling Formulary Brand Name Drug
($20 min/$50 max) quality, strength, purity, and stability as the brand
these prescriptions via a 90-day supply provides significant
30% coinsurance name—but cost 80% to 85% lower, on average,
advantages both in cost (due to deeper discounts) and Non-Formulary Brand Name Drug
($40 min/$50 max) than brand-name products.
adherence. When you are newly prescribed a medication
Home Delivery (90-day supply) f When you use mail order, you save on a 3-month
for a chronic condition, you will be required to move to a
90-day supply after the second prescription. 20% coinsurance supply delivered right to your door.
Formulary Brand Name Drug
($40 min/$100 max)
f Ask your doctor to refer to the Preferred Drug
Drugs that treat ongoing conditions or needs like 30% coinsurance list when prescribing a new medication. These
Non-Formulary Brand Name Drug
asthma, diabetes, birth control, high cholesterol, high ($80 min/$100 max)
preferred drugs are generally considered to offer
blood pressure, and arthritis are usually considered Generic Drug $20 copay equal or greater therapeutic value and to be
maintenance medications. more cost-effective than the other drugs in the
Structure Changes in Generic Medication Copays: $0 same drug category.
A maintenance medication can also be a drug that you
take for three to six months and then discontinue. For copays for two (2) classes: anxiety and depression $0 Login to www.express-scripts.com to review the
example, an allergy medication that you take throughout copays for three (3) classes: diabetes, cholesterol and Preferred Drug List and estimate drug costs.
the spring and summer. high blood pressure
2023 BENEFITS 365 DECISION GUIDE 15B E NE FITS
365
D E N TA L
Dental coverage is available through
Aetna. Benefits are available for
both in- and out-of-network dental
services.
With Aetna Dental, coverage is available through two Aetna Dental PPO
national networks: Aetna Dental DMO
(non-participating)
f Aetna Dental DMO $25/individual
Annual Deductible None
$0 family
f Aetna Dental PPO
Plan pays $1,500/person
Annual Benefit Maximum None
You receive greater benefit coverage when you use a each calendar year
provider who participates in the Aetna Dental network. Preventive and Diagnostic Services Refer to fee schedule1 Covered at 100%
Aetna Dental DMO Features Basic Services Refer to fee schedule1 Covered at 100% after deductible
f Primary care dentist manages your dental care
Major Services Refer to fee schedule1 Covered at 50% after deductible
f Primary care dentist refers you to a specialist when
necessary Orthodontia Refer to fee schedule1 Up to 50%, $1,500 maximum
f No deductibles 1
You can view the fee schedule online at: https://www.princegeorgescountymd.gov/3682/Dental.
f No annual dollar maximums
NOTE: You must select a Primary Care Dentist (PCD) by
the 15th of the month following your enrollment. If you do
STAY IN-NETWORK
E V E R Y D AY
TIPS
not select a PCD using the DMO Form, your benefits and
claims may be limited to emergency services only. When you visit a dentist or specialist who is in the network, your out-of-pocket costs are
Aetna Dental PPO features usually lower. That’s because participating dentists have agreed to accept negotiated fees
f No need to choose a primary care dentist for covered services that are usually 30% – 45% less than the average charges. Before you
receive care, check if your provider participates in the Aetna Dental network.
f No referrals
16 2023 BENEFITS 365 DECISION GUIDEVISION
Vision coverage is available through
the Vision Service Plan (VSP).
Choose from two vision coverage
options: the VSP Basic Plan and VSP
Buy-Up Plan.
Both plans provide coverage for eye exams, eyeglasses, and contact lenses through a national network of providers.
A comprehensive list of covered services is available at: www.princegeorgescountymd.gov/3683/Vision
Benefit Base Coverage with a VSP Provider Copay Buy Up Coverage with a VSP Provider Copay
WellVision • Focuses on your eyes and overall wellness • Focuses on your eyes and overall wellness
$10 $10
Exam • Every calendar year • Every calendar year
PRESCRIPTION GLASSES $10 PRESCRIPTION GLASSES $10
• $150 allowance for a wide selection of frames • $250 allowance for a wide selection of frames
• $170 allowance for featured frame brands Included in • $270 allowance for featured frame brands Included in
Frame • 20% savings on the amount over your allowance $80 Walmart®/Costco® Prescription • 20% savings on the amount over your allowance $135 Walmart®/ Prescription
frame allowance Glasses Costco® frame allowance Glasses
• Every other calendar year • Every other calendar year
• Single vision, lined bifocal, and lined trifocal lenses Included in • Single vision, lined bifocal, and lined trifocal lenses Included in
Lenses • Polycarbonate lenses for dependent children Prescription • Polycarbonate lenses for dependent children Prescription
• Every calendar year Glasses • Every calendar year Glasses
• Standard progressive lenses • Progressive lenses $0
• Premium progressive lenses $0 • Anti-reflective coating $10
Lens
• Custom progressive lenses $80 - $90 • Average savings of 35-40% on other lens enhancements
Enhancements
• Average savings of 35-40% on other lens enhancements $120 - $160 • Every calendar year
• Every calendar year
Contacts • $150 allowance for contacts; copay does not apply Contact lens exam • $200 allowance for contacts; copay does not apply Contact lens
(instead of (fitting and evaluation) Up to $60 exam (fitting and evaluation) Up to $60
glasses) • Every calendar year • Every calendar year
• Services related to diabetic eye disease, glaucoma and age-related • Services related to diabetic eye disease, glaucoma and age-related
DIABETIC
macular degeneration (AMD). Retinal screening for eligible members macular degeneration (AMD). Retinal screening for eligible members
EYECARE
with diabetes. Limitations and coordination with medical coverage may $20 with diabetes. Limitations and coordination with medical coverage $20
PLUS
PROGRAM
apply. Ask your VSP doctor for details. may apply. Ask your VSP doctor for details.
• As needed • As needed
2023 BENEFITS 365 DECISION GUIDE 17B E NE FITS
365
TA X - F R E E
ACCOUNTS
Saving money on everyday expenses
is convenient and easy with the
County’s tax-free accounts.
The County offers benefits-eligible employees tax-free Contribution Limits Eligible Expenses
accounts to help save money on everyday expenses:
Health plan deductibles, copayments, and coinsurance;
f Health Care Flexible Spending Account (FSA) eye exams, contact lenses, and glasses; prescription
Health Care FSA $2,850 per year
1
f Dependent Care Flexible Spending Account (FSA) drugs; dental care, including orthodontia; and over-
the-counter (OTC) products.
The money you contribute to these accounts is deducted $5,0001 per year, Licensed day care, in-home care, elder care, day camp
from your paycheck before federal, state, and Social Dependent Care FSA if single or married and filing and nursery school (if expenses are for a dependent
Security taxes are calculated. While the amount of pay joint income tax returns child, the child must be under age 13)
you receive isn’t less, the amount of taxes you pay will be. 1
Subject to change annually by the IRS. Pre-tax contributions will be made in equal amounts through paycheck deduction.
In some cases, your tax savings can be significant. However, your annual election is eligible to be reimbursed prior to having the full amount deducted from your pay.
The tax-free accounts are administered by Voya/Benefit This is a partial list of eligible expenses. For a more complete list of eligible healthcare expenses, go to:
Strategies. To participate in an FSA, you must enroll each www.irs.gov/publications/p502. For dependent care expenses, go to: www.irs.gov/publications/p503.
year and designate how much you want to contribute.
You do not have to enroll in a County medical plan to
enroll in a tax-free account. PLAN CAREFULLY
Use-it-or-lose-it
Note: If your employment ends or your eligibility for the
Because of the tax advantages these accounts provide, IRS regulations require that unused money left in your
FSA ends during the Plan Year, you cease being eligible
Health Care FSA and/or Dependent Care FSA at the end of the plan year will be forfeited. However, you can
to use your Health Care FSA and/or Dependent Care
rollover up to $570 for use in the following year.
FSA funds for new expenses as of midnight on the day
of termination and your debit will be inactive. You will be If You Have a Health Care FSA from a Previous Employer
able to submit claims for eligible health care expenses The FSA contribution limits apply across all employers. For example, if you have already contributed $2,000 to a
incurred on or before your termination date through your Health Care FSA at a previous employer, you may only contribute $850 for the remainder of the year at PGCG.
runout period.
18 2023 BENEFITS 365 DECISION GUIDETA X - F R E E B E NE FITS
ACCOUNTS 365
USING YOUR FSA FUNDS
FSA Debit Card FSA Rollover
When you enroll in an FSA, you will receive a Benefit The Rollover feature on the Health FSA allows up
Strategies debit card pre-loaded with your full annual to $570 to roll to the new plan year. Now you have
Health Care FSA election amount. You use the card to more reasons to take advantage of a Health FSA!
Health Care FSA Dependent Care FSA pay for IRS-qualified expenses directly at the point of
sale or when paying a bill. The card works in settings f On the last day of your 2022 plan year, any
Your full election Your funds are
such as physician offices, dental and orthodontic offices, balance in your Health FSA up to $570 is rolled
amount is available available as they
optometrists, pharmacies, chiropractors, urgent care over into the new 2023 plan year. You don’t
on the first day of accumulate through
centers, and hospitals. need to request this be done; it will happen
the plan year. payroll deductions.
automatically.
If you are enrolled in the Dependent Care FSA, the f If you have rollover funds but don’t enroll in the
Access and Manage Your FSA Online card can also be used in dependent care settings. Just new 2023 plan year, we will open an account for
The Benefit Strategies online portal gives you 24/7 remember that the card will only work for an amount that you with your rollover funds.
access to manage your FSA. From the portal, you can: does not exceed the available balance in your Dependent
f Funds rolled over can be used at any time during
Care FSA account on that day.
f File a claim for reimbursement the new plan year while you are enrolled in the
f Upload receipts and track expenses The IRS requires you keep all original documentation Health FSA.
f View up-to-the-minute account balances for purchases associated with the debit card. Voya/ f You can elect the annual employer maximum in
Benefit Strategies may also request copies of your the new plan year and the $570 rollover monies
f View your account activity, claims history, and
documentation to verify a debit card purchase. will be added in addition to this amount.
reimbursement history
Electronic and Paper Reimbursement f At the end of the plan year is a 90-day runout
f Report a lost/stolen card and request a new one
period that allows you to still submit claims that
f Download plan information, forms, and notifications 3 – 5 DAY TYPICAL TURNAROUND TIME
were incurred during the prior plan year. If you
Reimbursements are made payable to you, either
Access the portal at: www.benstrat.com. In the upper submit a claim for the prior plan year during
by paper check or direct deposit. All reimbursement
right corner, select Individual Login, then Rewards, the runout period and we need to use all or a
methods require you to submit documentation using one
Reimbursements, Savings & Spending Accounts. The portion of your rollover funds to pay it, we will
of the following methods:
first time you log on, select the Create Your Username automatically move back the rollover funds
f Online at www.benstrat.com/login; needed and pay the claim.
and Password link.
f Voya/Benefit Strategies mobile app; or
f Fax, secure email, or mail using a paper claim form.
2023 BENEFITS 365 DECISION GUIDE 19B E NE FITS
365
EMPLOYEE
ASSISTANCE
PROGRAM
The EAP helps you balance the
challenges of day-to-day life.
The Inova Employee Assistance Program (EAP) is a confidential service that can help you and your family manage E V E R Y D AY
problems that impact your productivity, health, safety, or quality of life. The program is provided at no cost to you and
offers short-term counseling for personal or work-related issues. The EAP also offers specialized resources to help you
HELP TIPS
balance work and life. EAP counselors are available 24/7 to assist you in assessing problems and locating resources to IS HERE
help address issues both big and small. EASE YOUR STRESS WITH THE EAP
Short-Term Counseling Child Care Services Online Savings Center Pet Services In this time of change and uncertainty, the challenges
f Relationships f Nursery/preschools f Merchant discounts f Veterinarians of life can seem overwhelming. The Inova EAP offers
f Alcohol f Emergency/back-up care Parental Services f Boarding facilities resources to help you better cope with work/life
f Family f Before-after school care f Birthing classes f Pet sitters challenges and manage stress.
f Depression f Care for mildly ill children f Support groups f Groomers
f Anxiety f Child care centers f Exercise and nutrition f Obedience trainers f Access online support: www.inova.org/eap
f In-home care agencies f Parent education (Username: prince, Password: george)
Elder Care Resources Daily Living
f Family day care and
f Adult day care centers Educational Resources f Entertainment and f Talk with a counselor: 1-800-346-0110
group homes
f Assisted living centers f Identify schools sports tickets
f Nanny/au pair agencies
f Nursing homes f Navigate applications f Grocery shopping
f Summer camps
f Transportation services f Evaluate educational f Housekeeping
f Nutrition services Adoption Services f Lawn maintenance
consultants
f Respite care f U.S. adoption agencies f Real estate and
f Apply for grants, financial
f Home care services f International adoption relocation professionals
aid, and scholarships
f Geriatric health and agencies
Health and Wellness Finances
mental health f Support groups
Resources f Unbiased financial
Resources for Children consultation
Legal Assistance f Exercise program
with Special Needs Identity Theft
f Consultation with an f Holistic care
f ADD/ADHD f Web based monitoring
attorney f Nutrition counselors
f Disability f Phone consultation
f Web-based legal f Personal trainers
f Autism
documents f Self-help programs
20 2023 BENEFITS 365 DECISION GUIDEB E NE FITS
RETIREMENT 365
S AV I N G S
Take charge of your retirement
income early to help you make
smart decisions toward a
financially-secure retirement.
457(B) DEFERRED
COMPENSATION PLAN
The County offers a 457(b) Deferred Compensation Plan
to help you achieve your retirement goals. Both full- and E V E R Y D AY
part-time employees are eligible to participate.
You contribute on a tax-deferred basis, up to the IRS
PENSION PLAN
All qualified full- and part-time general civilian employees SAVE WITH TIPS
limits. The minimum amount you can contribute is $10
per pay period. You can increase, reduce, or stop your
are automatically enrolled in the Maryland State
Retirement and Pension System (MSRPS) and one of THE 457(B)
the Prince George’s County Government Supplemental f Save on taxes – You pay no state or federal
contributions at any time in the Employee Self Service
Pension Plans. income taxes on the amount you contribute and
(ESS) portal. In 2022, the IRS limits were:
any investment earnings grow tax deferred. Taxes
f $20,500 for employees under age 50; and There are separate pension plans for County sworn
are only paid on the amount withdrawn, after
police officers, deputy sheriffs, firefighters, paramedics,
f $27,000 for employees age 50 and older (includes retirement or separation from employment.
and correctional officers. The Police, Fire Service,
$6,500 catch-up contribution limit). f Compound earnings – By investing early and
Deputy Sheriffs’, and Correctional Officers’ Pension Plans
Please note these amounts are subject to change based (Comprehensive Plans) provide retirement and disability staying invested, you can take advantage of
on the limits announced by the IRS. benefits for all full-time persons covered by the Plan. compound earnings. A monthly contribution of
$100 can accumulate tax-deferred over 30 years
If you are within three years of normal retirement, you Regardless of plan enrollment, employees contribute to $150,030. That’s a difference of almost $50,000
may be eligible to make additional contributions. a percentage (varies by pension plan) of their annual just because you didn’t have to pay taxes up front.
salary and receive a defined monthly pension benefit at Of course, you’ll have to pay taxes on earnings
The County has partnered with both MissionSquare
retirement. when you withdraw the money but you will likely
Retirement and Empower Retirement to administer
the 457(b) Plan—offering you a variety of investment For more information, visit the Pensions Administration be retired and may be in a lower tax bracket.
options. For more information, website www.princegeorgescountymd.gov/470/. f Flexible options – With the 457(b) plan, there
visit www.princegeorgescountymd.gov/ is no penalty for taking an early withdrawal
3699/Deferred-Contribution-Plan. regardless of your age.
2023 BENEFITS 365 DECISION GUIDE 21B E NE FITS
365
LIFE &
DISABILITY
To help you protect your family’s finances
in the event something happens to you,
the County makes the following benefits
available to you—some at no cost to you.
BASIC LIFE annual salary to a max of $600,000, or up to $800,000 LONG-TERM DISABILITY (LTD)
for Fire Civilians only) by answering 5 medical questions.
The County provides you with Basic Life Insurance up to All benefits-eligible employees may enroll in the Long-Term
Premiums for Extra Life Insurance are based on your
2x your base salary (up to $225,000 based on your salary Disability (LTD) Insurance administered by MetLife. Long-
salary and age.
schedule). Coverage is administered through MetLife and Term disability insurance provides income replacement that
becomes effective on your date of hire. The coverage may be used in conjunction with your annual or sick leave.
amount will automatically increase or decrease when
ACCIDENTAL DEATH & This program has a 180-day elimination period. Income is
you have a change in base salary. DISMEMBERMENT (AD&D) replaced at 50% or 60% percent of your base pay, reduced
The County provides you with AD&D coverage. by deductible income.
Basic Life Insurance flat $50,000 amount to anyone who
Coverage is administered through MetLife and becomes Deductions are done on an after-tax basis and deducted bi-
does not want to receive the two (2) times salary offering
effective on your date of hire. A benefit is payable for weekly. This assures that any payments you receive from the
and would prefer a reduced flat amount. Please note.
death or personal loss caused by an accident on or off program are not taxed.
there is no credit provided to those electing this change
the job, up to a maximum benefit of:
Please note, employer-paid coverage amounts over Instructions for calculating monthly premium: multiply the
$50,000 are subject to imputed income (This option is Employee Group Maximum Benefit rate times your base salary rounded to the nearest hundred.
only available to those employees whose salary is over Police officers, deputy sheriffs, correctional $50,000 Divide the annual amount by 12 to find the monthly cost for
$25,000 a year.. officers, firefighters, paramedics and this benefit.
emergency response technicians
For this Open Enrollment only a 5 question Statement of
EXTRA LIFE Deputy sheriff civilians $30,000
Health (SOH) will be required for the following:
All other employee groups $10,000
You may purchase Extra Life Insurance equal to one to
f Current participants covered by long-term disability
four times your base pay up to $600,000. Coverage is
provided through MetLife. SUPPLEMENTAL LIFE electing to increase from 50% to 60% of your base
This benefit applies only to police officers, deputy sheriffs, salary.
During Open Enrollment, you can enroll for the first time firefighters, paramedics and emergency response technicians.
f New participants electing Long-term disability for the
or increase your existing Extra Life coverage (up to 4x Supplemental Life is administered by MetLife and is equal
first time or during Open Enrollment.
to 50 times your monthly salary with a maximum benefit
of $600,000. The County provides this coverage at no
cost to you.
22 2023 BENEFITS 365 DECISION GUIDES U P P L E M E N TA L B E NE FITS
COVERAGE 365
DEPENDENT LIFE INSURANCE Monthly Cost per
Age
Dependent Life Insurance offered by MetLife is available $1,000 of Coverage
to employees who already have or are applying for 24 & Younger $0.055
Extra Life Insurance, as this benefit is not available for 25-29 $0.066
dependents without the employee coverage. Eligible 30-34 $0.088
dependents can be covered for Life Insurance Coverage. 35-39 $0.099
Spouse Coverage: Enroll for $10,000 or $25,000 of 40-44 $0.110
coverage without answering any health questions. You 45-49 $0.165
may apply for higher coverage amount by answering 50-54 $0.253
five health questions. After this enrollment period, a 55-59 $0.473
Statement of Health will be required for future spouse 60-64 $0.726
coverage (outside of a Qualifying Life Event). 65-69 $1.397
70 & Above $2.266
Spouse Coverage is based on your age as of December
31, 2022.
Dependent Child(ren) Flat Monthly Cost of Coverage
Dependent Child(ren) Coverage: No health questions $5,000 $0.75
are required. Child(ren)’s eligibility is from 15 days to $10,000 $1.50
26 years old. Coverage levels are $5,000, $10,000, or
$20,000 $3.00
$20,000).
SHORT-TERM DISABILITY (STD)
Short Term Disability insurance through MetLife protects
a portion of your income if you are unable to work due to
a covered injury or illness. Common reasons people use
this coverage includes injuries, a covered pregnancy, and
digestive problems, such as gall bladder surgery.
Key features include:
f Income Coverage of up to 60% of your salary
(Maximum $3,000 weekly benefit)
f Deductions for the program are done on an after-tax
basis; therefore, any money received is not taxed
For this Open Enrollment only a 5 question Statement of
Health (SOH) will be required to enroll for coverage.
2023 BENEFITS 365 DECISION GUIDE 23B E NE FITS
365
S U P P L E M E N TA L
COVERAGE WHOLE LIFE INSURANCE
Whole life insurance is available through Unum for your
spouse, children and yourself. Whole Life insurance is
The County offers options to
designed to pay a benefit to your beneficiaries, but it can
supplement your coverage so you also gain cash value you can use while you are living. This
can customize your coverage to fit benefit offers an affordable, guaranteed level premium
that will not increase due to age. Choose from following
your personal needs.
coverage options:
f Whole life insurance
f Individual spouse coverage
f Individual child coverage
CRITICAL ILLNESS INSURANCE ACCIDENT INSURANCE f Child term life benefit
Critical illness insurance through Unum can help relieve Accident insurance through Unum can help you cope
the financial impact of a sudden, life-threatening illness. with out-of-pocket costs associated with common and Whole life insurance will be in addition to the coverage
Coverage helps pay expenses not covered by medical serious accidents on and off the job—costs possibly not provided by the County and can supplement amount you
insurance including deductibles, copays, child care, travel covered by your medical plan. In the event of a covered purchase. Any benefit payment you receive is not taxed.
expenses, and more. incident, Accident insurance provides cash benefits to You pay 100% of the premium cost through after-tax
help you and your family pay for the medical and out-of- payroll deductions.
Critical illness insurance pays a lump sum cash benefit pocket expenses that add up so quickly after an injury, SUPPLEMENTAL DENTAL INSURANCE
upon diagnosis of a covered critical illness. Examples of including treatment-related costs and everyday bills.
covered illnesses include: Supplemental Dental insurance through Aflac enhances
Covered expenses include, but are not limited to: your current dental coverage. An individual or family
f Heart attack
that needs coverage for a particular procedure not
f Stroke f Emergency room fees, X-rays and exams
covered by their dental plan may choose to purchase
f Cancer f Physical therapy and follow-up supplemental dental insurance to help manage costs.
f Permanent paralysis f Ambulance
Key features include:
f Major organ failure f Hospital stay
f Choose your own dentist
f End-stage renal (kidney) failure You pay the full cost of coverage through after-tax f No pre-certification requirements
f Coronary bypass surgery payroll deductions. You can purchase coverage for your
f Pays an annual wellness benefit
family.
This coverage also includes a $50 Wellness Benefit. You f Premiums start as low as $5.73 per week
pay the full cost of coverage through after-tax payroll
deductions. You can purchase coverage for your family.
24 2023 BENEFITS 365 DECISION GUIDEB E NE FITS
365
LEGAL
SERVICES
The legal services options provide
you and your family peace of mind
knowing legal assistance is a call or
click away.
The County offers two legal services options: Legal Resources LegalShield
f Legal Resources Enrollment Requirement 12 months None
f LegalShield Cost for Coverage $17.00/month Legal Only: $7.27/paycheck or $15.75/month
(Identity Theft Services included) Identity Theft Only: $6.90/ paycheck
Both plans help pay for attorney fees for services such as Legal & Identity Theft: $11.86/paycheck
wills, home sale/purchase, adoptions, divorce, consumer Divorce Fully covered (no waiting period) Fully covered
protection and tax audit. 25% discount for advice and consultation 25% discount for advice and consultation
Adoption (Uncontested) Fully covered Fully covered
LEGAL RESOURCES Traffic Ticket Defense Fully covered Fully covered (15-day waiting period)
The Legal Resources network has 13,000 attorneys Will Preparation
nationwide. Participants can select a law firm from a well- Standard Will, Powers of Attorney, Fully covered Fully covered
established local law firm network. There is no limit on Living Wills, Codicils
fully covered benefits for the following services: attorney Complex Will Consultations covered in full; 25% discount Consultations covered in full; 25% discount
telephone calls, attorney letters on your behalf and Document Preparation Fully covered – no limits Fully covered
contract, document review of personal legal documents. Purchase or Sale of Home 100% attorney fees covered on buying, Fully covered
selling, or refinancing primary residence
LEGALSHIELD Identity Theft Defense Fully covered for household Fully covered for 10 family members
LegalShield has worked with over 100,000+ law firms ID theft monitoring and restoration included
and attorneys nationwide. Provider Law Firms must be Immigration Assistance Consultation/document review fully Consultation/document review fully
AV rated by Martindale Hubble, the National Law Firm covered; 25% discount covered; 25% discount
Directory. A mobile app provides easy access to legal Financial and Tax Planning Consultation/document review fully Consultation/document review fully
and ID theft support 24/7. Services covered; 25% discount for Financial Plan covered; 25% discount for Financial Plan
Civil Litigation Attorney fees 100% covered for household Covered – Increasing defense hours each year
Year 1: 60 hours; Year 5: 300 hours
2023 BENEFITS 365 DECISION GUIDE 25You can also read
