Open Enrollment 2015 Plan Year July 1, 2015 – June 30, 2016 Fauquier County Government Fauquier County Public Schools Human Resources Department 540-422-8300

Important Dates to Remember Online process begins April 20th ALL employees must complete process by May 8th Benefit changes effective: July 1, 2015 - June 30, 2016 *Please note that since we pay our health insurance premiums 1 month in advance, the new premiums will come from June’s paycheck.

What is Open Enrollment? Open Enrollment is a once-a-year opportunity to make health insurance election changes Change plans Add or drop coverage for yourself Add or drop coverage for your dependents

MID-YEAR QUALIFYING EVENTS What changes can I make outside Open Enrollment? Eligible qualifying event as defined by IRS guidelines Common examples include: Marriage Divorce Birth or adoption Gain or loss of coverage

WHAT’S NEW FOR BENEFITS? July 1, 2015 – June 30, 2016 Dental Plans Anthem named as new provider Lower premiums Coverage for composite fillings Medical Plans NO Premium increase to employees! No change in coverage Telemedicine

Dental Plans Effective July 1, 2015 dental coverage through Anthem Standard and High Option plan choices Decrease in dental premiums Coverage added for composite (white) fillings for both plans Coordination in care Studies show direct causes of gum disease with specific medical conditions Using same provider for medical and dental allow for easier Condition Care enrollment

Dental Plans BI-WEEKLY Premiums Standard Option High Option Current Premiums Effective June 1, 2015 Employee Only $3.00 $2.80 Employee & Child $5.75 $5.37 Employee & Spouse $17.25 $16.10 Employee & Family $27.50 $25.67 High Option Current Premiums Effective June 1, 2015 Employee Only $5.50 $5.14 Employee & Child $9.75 $9.14 Employee & Spouse $22.75 $21.24 Employee & Family $34.00 $31.74

Medical Plans All plans will remain with the same coverage No increase to employee’s premiums County employees hired prior to July 1, 2014 will now have access to the Lumenos plan If employees elect this coverage, they will no longer be considered grandfathered Introduction of Telemedicine

County employees hired prior to July 1, 2014 Medical Plans County employees hired prior to July 1, 2014 BI-WEEKLY Premiums KeyCare 10 PPO Cost Effective June 1, 2015 Employee Only $ 18.78 Employee & Child $ 59.33 Employee & Spouse $151.91 Employee & Family $194.42 HealthKeepers 10 HMO Cost Effective June 1, 2015 Employee Only $ 7.03 Employee & Child $ 35.78 Employee & Spouse $115.30 Employee & Family $148.47 Lumenos Cost Effective June 1, 2015 Employee Only $ 0.00 Employee & Child $ 10.00 Employee & Spouse $ 37.50 Employee & Family $ 62.50 KeyCare 15 PPO Cost Effective June 1, 2015 Employee Only $ 10.91 Employee & Child $ 48.86 Employee & Spouse $136.19 Employee & Family $173.51 HealthKeepers 20 HMO Cost Effective June 1, 2015 Employee Only $ 3.00 Employee & Child $ 9.27 Employee & Spouse $ 57.82 Employee & Family $ 82.71

School employees and County employees hired after to July 1, 2014 Medical Plans School employees and County employees hired after to July 1, 2014 BI-WEEKLY Premiums KeyCare 15 PPO Cost Effective June 1, 2015 Employee Only $ 25.00 Employee & Child $ 75.00 Employee & Spouse $182.50 Employee & Family $237.50 HealthKeepers 20 HMO Cost Effective June 1, 2015 Employee Only $ 10.00 Employee & Child $ 25.00 Employee & Spouse $ 82.50 Employee & Family $ 122.50 Lumenos Cost Effective June 1, 2015 Employee Only $ 0.00 Employee & Child $ 10.00 Employee & Spouse $ 37.50 Employee & Family $ 62.50

Medical Plan Features In network Benefits Grandfathered (Hired prior to July 1, 2014) Non Grandfathered (Hired after July 1, 2014) KeyCare 10 PPO HealthKeepers 10 KeyCare 15 PPO HealthKeepers 20 Lumenos CY Deductible None $2,000/$4,000 CY Out-of-Pocket Maximum $1,000/$2,000 $1,500/$3,000 $4,000/$8,000 Hospital Benefits Inpatient $200 copay; then 10% $200 copay $300 copay; then 20% $200 copay/day to $1000 max 20%, after CY Deductible Outpatient Surgery $100 copay; then 10% $150 Copay $100 copay; then 20% $200 Copay Emergency Room Visit $100 copay Physician PCP Office Visit $10 Copay $15 Copay $20 Copay Specialist $30 Copay $40 Copay Preventive Care Well Baby/Well Adult Covered @100% Mammography Prescription Drugs Optum Rx Anthem Retail $10/$20/$35 or 20% Additional plan features can be found on the Open Enrollment website: http://www.fauquiercounty.gov/government/departments/HR/

Anthem BlueCross BlueShield presents ”LiveHealth Online”. Telemedicine New Benefit Anthem BlueCross BlueShield presents ”LiveHealth Online”.  With LiveHealth Online, you get: Immediate doctor visits through live video Your choice of board certified doctors with an average of 15-years of practice Mostly Primary Care Physicians Private, secure and convenient on-line visits How do I get this service? Enroll for free at livehealthonline.com Free on mobile app available How much does it cost? For KeyCare PPO and HealthKeepers HMO members – the copay will be $0 For Lumenos plan members – the copay will be the same as an office visit and subject to the deductible. If you are not on the medical plan, you may use this service as well. The cost per session is $49.00

Section 125 – Flexible Spending Ability to set money aside Pre-Tax Medical Expense Dependent Day Care Flex Debit Cards Available for Medical Flexible Spending Accounts For existing participants, your current Debit Card will be reloaded with your new election amount Reminder, IRS regulations allow up to a $500.00 roll over into next plan year Maximum Annual Contributions Medical - $2,500.00 Dependent Care - $5,000.00 To enroll: Meet with a representative Or Go to http://americanfidelity.com MUST ENROLL OR RE-ENROLL EACH YEAR

Voluntary Benefits American Fidelity AFLAC Adam Ashby Jim Edmonds Contact: 434-996-4719 Adam.Ashby@americanfidelity.com Cancer Insurance Long and short term disability Insurance Accident Life Insurance AFLAC Jim Edmonds Contact: 540-349-7701 James_Edmonds@us.Aflac.com Cancer Insurance Long and short term disability Insurance Accident

VALIC Retirement Services Bob Wells 540-878-6696 bob.wells@valic.com www.valic.com Pre-tax contributions Tax-deferred growth County employees are eligible to participate in a 457(b) School employees are eligible to participate in a 457(b) and/or 403(b) It is never too late to start

Online Enrollment Process

Open Enrollment Options Fauquier ePortal Confirm or change your medical and dental plans Add or drop dependents based on eligibility No Changes? Confirm current elections online and submit

What You Will Need For The Online Process! Your ePortal username and password Social security number(s) & date(s) of birth for all dependents(s)participating in the benefit plans PCP Code if participating in HMO plan. Click on link to visit anthem.com and “Find a Doctor”.

How to Access Open Enrollment through ePortal From your web browser type eportal.fauquiercounty.gov Once you are logged in Click on Employee Self Service Click Benefits After reviewing your current plans, select the Open Enrollment link

Dependent Eligibility Certification What Do You Need to Do? During Open Enrollment: Review your dependents health care covered by the health plans and make any necessary changes. 2015: If you have not previously submitted proof of eligibility, or if you are adding dependents during Open Enrollment, you will be required to provide proof of eligibility Failure to complete the verification and provide the required documentation will result in the termination of dependent’s coverage.

REMEMBER MAY 8th DEADLINE!