BENEFITS OVERVIEW FOR 2016 PRESENTED TO: PRESENTED BY: Jay N. Scott, CHC Senior Vice President Employee Benefits Practice Group Leader Associated Financial.

Slides:



Advertisements
Similar presentations
1 USF PHYSICIANS GROUP Department of Human Resources Consumer Driven Health Plans with United Healthcare (UHC) OPEN ENROLLMENT July 2009 PRESENTED BY THE.
Advertisements

Health Care Update Devon Hooper OPERS Jason Davis OPERS.
Open Enrollment  This is your annual opportunity to change certain benefit elections without a qualifying event.  All elections will be made online.
Mesa Schools Open Enrollment AGENDA Open enrollment period Overview of Medical Plan Options Cigna Tools and Resources Questions 1.
State of Colorado Open Enrollment , Effective July 1.
2006 Benefits. 2 Comprehensive Health Care Plan  Choice of POS or HMO or no coverage  Payroll deduction amounts:  Qualified change in status - report.
Employee Health Benefits Indiana State Personnel Department Benefits Division.
PRESENTED BY Schroepfer Bauer Insurance Employee Benefits Enrollment Guide ECC
Plan Year. 2 WHAT’S NOT CHANGING FOR 2014  Premiums will remain the SAME  First Choice providers and Generic Medications are STILL NO COST TO.
SCHOOL BOARD OF CLAY COUNTY Annual Enrollment Plan Year.
2013 New Employee Benefits Orientation – Most Employees
Community College System of New Hampshire Employee Benefits Informational Sessions.
Balsz School District Employee Benefits Programs
Employee Benefits Open Enrollment November 7 th, 2013.
Wells Fargo Insurance Services Los Angeles Community College District Presented by: Liliana Salazar, Esq., Vice President of Compliance Gary Delaney, CEBS,
Community College System of New Hampshire Employee Benefits Informational Sessions.
Health Plan Options Informational Sessions November 2012.
A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.
DoD NAF HBP Open Enrollment Overview November 4 – November 29.
Missouri Department of Transportation & Missouri State Highway Patrol Employee Benefits Meeting for 2007.
School Board of Highlands County -Insurance Update for
Medical Insurance Regence Blue Cross/Blue Shield of Utah, 2 Options
University of St. Thomas 2015 Health Savings Account and High Deductible Health Plan Education Take Charge Your Health, Your Money And Your Future 1.
2014 Insurance and Wellness Benefits Committee. Purpose of the Committee 2  Review Current Insurance and Wellness Benefits  Provide Recommendations.
Group Long Term Care. 2 WHAT IS LONG TERM CARE? Skilled, intermediate and/or custodial care provided to individuals who are unable to care for themselves,
EHA Early Retiree Plan Benefit Options.
Welcome!. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured.
Triple Choice Enrollment THE BASICS DEFINITIONS HMO (Health Maintenance Organization): A form of health insurance combining a range of coverage.
2012 Annual Benefits Enrollment. Web for Employees Available from 8:00am Saturday, October 1, until 6:00pm Monday, October.
OPEN ENROLLMENT FOR HEALTH INSURANCE AND VOLUNTARY EMPLOYEE BENEFITS Highlights for School Year.
Services provided by Mercer Health and Benefits LLC Employee Cost Sharing Medical, Dental, and Vision July 15, 2008 Mikel Gray, Seattle Sheree Swanson,
Consumer-Driven Health Plans HSA and HDHP Overview A Health Savings Account (HSA) is a special account owned by an individual where contributions to.
Open Enrollment Benefits August 1 _ 31, 2014 Wylie ISD.
Busco, Inc – Arrow Stage Lines Annual Enrollment
1 University of St. Thomas 2015 Annual Enrollment Briefing.
2014 Benefits. Open Enrollment  Elections made during open enrollment will become effective on January 1,  East Central College offers you and.
2015 BENEFIT INFORMATION Open Enrollment and New Hires.
OPS Open Enrollment− 1 OPS Employee Benefits ‒ Open Enrollment Who is Eligible: All full-time employees who worked, on average, 30 or more hours a week.
1 Benefits effective 2/1/ Lifetime maximum of up to $5 million RX Card Wide choice of plans Family Flex ® – Each family member can apply for a.
Insert Client Logo Your Guide to Health Care Benefits.
1 High Deductible Health Plan (HDHP) and Health Savings Account (HSA) INFORMATIONAL SESSIONS NOVEMBER 2011.
Annual Enrollment Plan Year Employer Contribution Both the state and the A&M System contribute a portion of the total cost for Health.
Presented by Casey Ford – Human Resource Generalist
BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.
Group Name Plan Year : 1/1/11-12/31/11. Find and Replace ( to be edited) Getting Started: Enrollment presentations can be shown to your employees to help.
PRESENTED BY: PEG HARMS & GINGER VERMEERSCH Insurance Services Open Enrollment Informational Session.
High Plains Educational Cooperative 10/1/2015 Open Enrollment August 5 th & 6 th, 2015.
Anderson University Employee Benefits Presentation January, 2016.
2015 Benefits Open Enrollment. 4 AGENDA Welcome What’s New What’s Changing Eligibility & Enrollment Review of 2015 Benefits How to Enroll Questions.
2016 Benefits Enrollment November Copyright © 2015 BorgWarner Inc. 22 Nov Dec. 5 It’s Here! 2016 Open Enrollment Elections/changes are effective.
Open Enrollment September 30, 2015.
1 University of St. Thomas 2016 Annual Enrollment Briefing.
BROWARD HEALTH BENEFITS. The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.
Shelby County Government 2014 Benefits Annual Enrollment: 11/01/2013 – 11/15/2013.
BENEFITS WITH PRINCIPLE SOLUTIONS GROUP June 1, 2015 – May 31, 2016 Next.
BENEFITS OVERVIEW FOR 2014 PRESENTED TO: PRESENTED BY: JAY N. SCOTT, CHC Vice President Senior Benefits Consultant Associated Financial Group Employee.
OPEN ENROLLMENT 2016/17 Principle Solutions Group June 1, 2016 – May 31, 2017 Next.
2016 STAFF EMPLOYEE BENEFITS OPEN ENROLLMENT PRESENTATION.
2016 DIRECT SERVICE PROVIDER EMPLOYEE BENEFITS OPEN ENROLLMENT PRESENTATION.
BENEFITS OVERVIEW FOR 2015 PRESENTED TO: PRESENTED BY: JAY N. SCOTT, CHC Senior Vice President Employee Benefits Practice Group Leader Associated Financial.
Open Enrollment Benefits August 1_31, 2014
THE PRINCIPIA OPEN ENROLLMENT
THE PRINCIPIA OPEN ENROLLMENT
2018 Employee Benefits In addition to todays presentation:
2018 Benefit meetings Sturgeon Bay School District.
THE PRINCIPIA OPEN ENROLLMENT
THE PRINCIPIA OPEN ENROLLMENT
Presented by Steve Costello and Erin Devine of CBG Benefits
Presentation transcript:

BENEFITS OVERVIEW FOR 2016 PRESENTED TO: PRESENTED BY: Jay N. Scott, CHC Senior Vice President Employee Benefits Practice Group Leader Associated Financial Group Employee Benefits. Insurance. HR Solutions.

Copyright 2012 by Associated Financial Group, LLC 1 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx 30 – 40 Hours/Week on average All Benefits (Health, Dental, Vision, Sick, Vacation, Fl Hol, Disability, Wis Retirement) Pay Full-Time Health Insurance Rates Full Time (FT) 24 – 29 Hours/Week on average Some Benefits (Health, Dental, Vision, Sick, Vacation, Fl Hol, Wis Retirement) Pay Reg Part-Time Health Insurance Rates Regular Part Time (RPT) 20 – 23 Hours/Week on average Vac, Sick Time, Fl Hol Benefits Only 46+ Hours/Pay Period = Wis Retirement Limited Part Time (LPT) 0 – 19 Hours/Week on average No Benefits (may be eligible for Wis Retirement depending on hours worked on an annual basis) Part Time (PT) ELIGIBILITY FOR BENEFITS

Copyright 2012 by Associated Financial Group, LLC 2016 HEALTH INSURANCE RATES 2 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx 2016 rate Employer Share 2016 Employee Share 2016 FT/Single w/HRA and Met Goal$728.06$640.69$ % FT/Family w/HRA and Met Goal$1,910.80$1,681.50$ % FT/Single w/HRA No Goal$728.06$618.85$ % FT/Family w/HRA No Goal$1,910.80$1,624.18$ % FT/Single No HRA$728.06$597.01$ % FT/Family No HRA$1,910.80$1,566.86$ % RPT/Single w/HRA w/Goal RPT Single w/HRA RPT Single No HRA $ $ $ $ $87.37 $ $ % 15% 18% RPT/Family w/HRA Met Goal$1,910.80$1,433.10$ % The 2016 Health Insurance premiums include a 1% reduction in employee premiums.

Copyright 2012 by Associated Financial Group, LLC 2016 MEDICAL BENEFIT HIGHLIGHTS Plan In-Network Benefits Only 2016 Plan Changes Deductible Single Family $250 $500 No Change Coinsurance90%No Change Out-of-Pocket Max Single Family $850 $1,700 Applies to non-Rx charges Office Visit CopayN/ANo Change Emergency Room Copay$100No Change Rx Drug Copays Retail (30-Day Supply) Mail* (90-Day Supply) $10 / $30 / $45 $20 / $60 / $90 No Change to Rx Copays New - Rx Copay Annual Out-of-Pocket Maximum $500 Single $1,000 Family Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx

Copyright 2012 by Associated Financial Group, LLC OTHER HEALTHCARE NEWS FOR 2016 Virtual Clinic office hours – looking to expand access to care from the current available clinic hours of operation New Nurse Practitioner: Cynthia Liethen Behavioral health services now available through United Behavioral Health Reminders: –Fond du Lac County Virtual Clinic use at no cost –Routine physicals performed at Virtual Clinic will earn employees a $50 Visa Gift Card --Spouses are also eligible –Connect with the Health Navigator program for diabetes, high cholesterol and high blood pressure –Smart Choice MRI incentive –HRA goal “alternative course of action” reminder (DUE NOV 4 TH ) - Call IHS to request form: Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx Cynthia Liethen

Copyright 2012 by Associated Financial Group, LLC TIPS FOR BEING A HEALTHWISE CONSUMER Use the Virtual Clinic Use EZ Care for immediate needs Get your teeth cleaned Get a vision exam Use your medical plan’s routine care benefits (physicals, screenings, etc.) Participate in the county’s Wellness programming Participate in Health Navigator, if applicable Use generic drugs and pill splitting Participate in Flex Spending program (saves 30% on OOP expenses) 5 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx

6 NEW DENTAL PROGRAM FOR 2016

Delta Dental of Wisconsin’s advantages are summarized as The Delta Dental Difference -- Outstanding local service, experienced people Located in Stevens Point --Largest Provider Network Saves on out-of-pocket expenses No balance-billing with participating dentists Guaranteed non-billable items -- Not For Profit ; local philanthropy The Delta Dental Difference Becky Cook, Benefit Advisor with over 9 years experience

The Delta Dental Network Difference

93% of Wisconsin dentists are in the Delta Dental Premier Network Almost 40% are in the Delta Dental PPO Network It’s easy to find out whether your dentist is in a Delta Dental network – Delta Dental Benefit Advisors are available by phone to help you select a participating dentist Call toll-free from 7:30 a.m. to 5 p.m. Monday- Friday to find a provider – also has an easy-to-use dentist locator Finding a participating dentist

10 Click on Find a Network Dentist under the Provider Search Tab. Enter your search criteria.

Finding a participating dentist 11 Provider results based on your criteria will be displayed as well as the level of provider participation PPO or Premier.

Members that see a Delta Dental PPO dentist save 25% on average vs. non- contracted dentists The value of dental insurance

Your Benefits – Fond du Lac County

Routine dental exams can spot serious health conditions and diseases – Diabetes – Cancer – Heart disease – Kidney disease Distinct link between oral health and whole- body health Evidence Based Integrated Care included The Wellness Connection

15 Evidence Based Integrated Care Program

Delta Dental will mail you two ID cards 16

Copyright 2012 by Associated Financial Group, LLC DENTAL INSURANCE Dental Insurance premiums include a 14% reduction in employee premiums. Open enrollment 17 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx Monthly Premium Employee$31.87 Employee + Spouse$65.63 Employee + Child(ren)$79.55 Employee + Spouse + Child(ren)$130.79

Copyright 2012 by Associated Financial Group, LLC VISION INSURANCE Vision Insurance Premiums have increased 4% from last year No change in benefits LASIK coverage Open enrollment 18 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx Materials OnlyFull Service Employee$7.64$10.82 Limited Family$15.29$21.63 Family$20.28$28.65

Copyright 2012 by Associated Financial Group, LLC LONG-TERM DISABILITY INSURANCE NO OPEN ENROLLMENT –If you don’t have coverage, but want to pick it up, you need to apply and complete an Evidence of Insurability form. No change in rates No change in benefits Only full-time employees eligible 19 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx

Copyright 2012 by Associated Financial Group, LLC OPEN ENROLLMENT INFO 20 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx All forms due: November 13, 2015! If electing new coverage, please also submit those enrollment forms. Failure to return yellow form will result in insurance elections being continued through the 2016 plan year. Enrollment forms found at:

Copyright 2012 by Associated Financial Group, LLC QUESTIONS? 21 Fond du Lac County/15//15/Misc/2015 Benefits Overview Presentation.pptx