Floyd County Schools and Garner & Glover Company present Open Enrollment 2019

About Garner & Glover Locally owned and operated independent insurance agency Diversified specialties including employee benefits, wellness programs, commercial, personal, athletic, and life insurance We represent multiple carriers which allows us to tailor insurance policies to fit our clients needs Our personal lines departments specializes in Life, home, auto, renters, personal articles, watercraft, personal umbrellas etc. If you have a need we can get it covered

Garner & Glover Account Management Team Laura Newton Central Office Coosa School District Pepperell School District Julia Chambers Armuchee School District College & Career Academy/Transitional School Model School District Transportation Bonita Hannah Retirees

2019 Open Enrollment October 15 - November 2 Now is the time to make changes to take effect January 1, 2019!!! Education meetings held October 15 - October 19 Enrollment meetings will be scheduled October 22- October 26 at each school location. Each school will have a sign up sheet for day assigned to their school Passwords need to be updated for State Health Benefit System

2019 Open Enrollment October 15 - November 2 What’s Changing? Enrollment Website Dental Plan Moving To Unum Dental Premium decrease Vision Plan Moving to Superior Vision Short Term Disability Moving to Unum Simplified options with flat benefit percentage Long Term Disability Flat benefit percentage options

Health Coverage- NO Changes No Plan Changes Any changes must be elected through State Health Benefit Site www.mySHBPga.adp.com Blue Cross Blue Shield is now Anthem 7 Plans to choose from: Anthem Gold, Silver, Bronze, HMO United Healthcare HMO, High Deductible Health Plan Kaiser HMO

HRA plan HRA-Health Reimbursement Arrangement Type of employer funded health benefit plan SHBP contributes HRA credits to your HRA account based on your plan option and tier in which you enrolled Unused credits can roll over from year to year as long as enrolled in SHBP Plan Referrals not required Pharmacy Benefits not subject to deductible. Coinsurance applies.

Anthem HRA plan Gold: Individual/Family Deductible $1,500/$3,000 Out of Pocket Maximum $4,000/$8,000 No copays- 15% coinsurance Plan pays $400/ $600/ $800 Silver: Individual/Family Deductible 2,000/$4,000 Out of Pocket Maximum $5,000/$10,000 No Copays- 20% coinsurance Plan pays $200/ $300/$400 Bronze: Individual/Family Deductible $2,500/$5,000 Out of Pocket Maximum $6,000/$12,000 No Copays- 25% coinsurance Plan pays $100/$150/$200

Anthem & United Health Care HMO plans Allows coverage from in network providers only (except emergencies) Primary Care Physician not required but encouraged No out of network benefit Copays for certain services No referral required to see Specialist Deductibles apply to some expenses Hospital stays, surgeries, scans etc.

HMO plan options Anthem & United Healthcare In network only Individual/Family $1,300/$2,600 Out of pocket Maximum $4,000/$9,000 Copays Primary office visit $35 Specialist office visit $45 Coinsurance 15% Kaiser Permanente In network only Deductible does not apply Out of pocket Maximum $6,350/$12,700 Copays Primary office visit $35 Specialist office visit $45 Coinsurance $0

United Health Care HDHP High Deductible Health Plan A high deductible applies to all covered medical and pharmacy expenses Separate in and out of network benefits Coinsurance paid after meeting deductibles for all covered medical and pharmacy expense until out of pocket maximum is met Plan has NO copays

High Deductible Plan Option United Healthcare Individual/Family $3,500/$7,000 Out of pocket Maximum $6,450/$12,900 Copays do not apply Coinsurance 30%

Medical Premiums You You + Child (ren) You + Spouse You + Family   You You + Child (ren) You + Spouse You + Family Anthem Gold $168.73 $307.13 $418.09 $556.50 Anthem Silver $110.89 $208.80 $296.62 $394.54 Anthem Bronze $72.45 $143.46 $215.91 $286.92 Anthem HMO $135.65 $250.90 $348.63 $463.89 UHC HMO $172.56 $313.65 $426.14 $567.22 UHC HDHP $58.03 $118.94 $185.62 $246.54 Kaiser HMO $142.71 $262.59 $362.49 $482.34

2019 Wellness Sharecare Member and Covered Spouse can each earn 480 well-being incentive points and choose the redemption method $150 Visa Gift Card for all 480 points earned in 2019 480 wellbeing incentive credit to apply toward eligible medical or pharmacy expense More details can be found at www.bewellshbp.com or calling 888-616-6411

Dental-Unum Choose your own dentist Annual Deductible $75 Individual $225 Family Covered Services Preventative- 100% Basic- 80% Major- 50% Calendar year maximum $1,500 Orthodontic Services (child and adult) Covered 65% Lifetime maximum-$1,000

Dental Premiums Dental Premiums 2018 2019 Employee Only $34.74 $32.67   2018 2019 Employee Only $34.74 $32.67 Employee Spouse $84.12 $79.07 Employee Child $90.14 $84.73 Employee Family $131.00 $123.14

Vision- Superior Vision In Network Benefits Eye Exam every 12 months $10 copay Contact lens fitting discounted fee of $30 Eyeglass Lenses- once every 12 months Single vision, bifocal, trifocal, lenticular-$10 copay Standard Progressive lenses- $10 copay (approximately $185 value ; depending on provider cost) Frames-once every 24 months $120 allowance Contact lenses-once every 12 months

Vision Premiums Vision Rates 2018 2019 Employee Only $6.40 $5.98   2018 2019 Employee Only $6.40 $5.98 Employee Spouse $12.83 $11.99 Employee Child $12.11 $11.31 Employee Family $16.18 $15.12

Short Term Disability- Unum Accumulated Sick leave must be used before Short Term Disability takes effect 60% Weekly Benefit Percentage You choose the elimination period for the number of days when benefits will be received. 14 days paid up to 24 weeks 30 days paid up to 22 weeks 60 days paid up to 18 weeks

Long Term Disability- Unum You choose your benefit amount of covered salary 40% paid to Social Security Retirement/Reducing Benefit Duration 60% paid to Social Security Retirement/Reducing Benefit Duration You must be disabled for at least 180 days before benefits can be received

Voluntary Life Accident Death & Dismemberment Insurance Employee Coverage Increments of $10,000 $100,000 Guaranteed Issue Maximum value $500,000 or 5 x your annual earnings Spouse Coverage Increments of $5,000 $25,000 Guaranteed Issue Maximum value of $150,000 Child Coverage $5,000 or $10,000 *employee and spouse coverage reduces to 50% after 70th birthday

$3.25 monthly fee will apply Flexible Spending Account- Infinisource Make sure all 2018 claims are turned in by March 31, 2019 Contribution Amounts for 2019: Healthcare Flexible Spending Maximum contribution $2,650 per year (pending IRS regulations) $500 rollover Dependent Care Account Maximum contribution $5,000 per year $3.25 monthly fee will apply

Critical Illness-Voya Lump Sum benefit paid if diagnosed with covered illness or condition from two modules. Base Module: Conditions include: Heart Attack, Stroke, Coronary artery bypass (25% of benefit), coma, organ failure Cancer Module: Cancer, Carcinoma (25% of benefit) , skin cancer (10% of benefit) No Health questions up to $30,000 You choose the amount of coverage you want $5,000-$30,000 of coverage $5,000 increments Available to spouse under age 70 and child under age 19. If child is full time student coverage will remain in force until age 26. Wellness Benefits employee and spouse $50 child $25

Group Accident –Colonial Life The prior “Personal Accident Plan” is being replaced by this plan. Off the Job Accident coverage Sickness Hospital Confinement benefit included Guaranteed issue (no medical questions) Benefits paid based on a schedule of benefits coinciding with the injury and the treatment received (following submission of EOB’s) Wellness Benefit (for 1 covered screening per calendar year per covered individual) $50 for employee, spouse, and child(ren) Coverage options include: Employee only Employee + Spouse Employee + Child(ren) Family

For more information or enrollment call 866-901-8246 Whole Life Insurance Plan –Colonial Life Employee Coverage Increments of $5,000 Maximum value $300,000 Spouse & Child(ren)/Grandchildren Coverage Increments of $5,000 (Spouse) and $10,000 (Children/Grandchildren) Maximum value of $300,000 Rates lock in at the age coverage is purchased Premiums are paid up (no add’l premium required) at age 95 (Employee / Spouses) and at age 65 (Children/Grandchildren) Long Term Care rider available For more information or enrollment call 866-901-8246

What now? Enroll in State Health Coverage: www.myshbpga.adp.com Enroll in other coverages: https://Floydcountyschools.benefitconnector.com Links will be under the Open Enrollment section of the FCBOE homepage  

Benefit Connector Registration

Benefit Connector Registration

On site Visits: A member of the Garner & Glover team will be onsite to help with enrollment questions 10:00am-2:00pm Monday, October 22 Cave Spring Elementary Garden Lakes Alto Park Coosa Middle Tuesday, October 23 Coosa High Model High Model Elementary Model Middle Wednesday October 24 Johnson Elementary Pepperell High Pepperell Primary Pepperell Middle Thursday, October 25 Pepperell Elementary McHenry Primary Armuchee High Armuchee Middle Friday, October 26 Glenwood Primary Armuchee Elementary Central Office / Transportation 8:30am-3:00pm College & Career Academy

Additional Questions? There are multiple ways to have your questions answered Contact your Garner & Glover team member at 706-291-7380 Email: openenrollment@floydboe.net Laura Newton lnewton@garnerandglover.com Julia Chambers jchambers@garnerandglover.com Central Office Coosa School District Pepperell School District Armuchee School District College & Career Academy/Transitional School Model School District Transportation