1. Open Enrollment Informational Session [2018 Plan Year] UCF Human Resources Benefits Section

2. Packages Mailed by People First to Eligible Employees
Important Dates
Monday, October 16
Open Enrollment
Begins
Friday, November 3
6:00 p.m. EST
Ends
January 1, 2018
Coverage Effective
Date
Monday, October 2
through
Friday, October 13
Packages Mailed by People First to Eligible Employees
If employees do not make any changes during Open Enrollment, all benefits shown on their People First Benefits Statement will remain in effect for all of 2018 (with exceptions of Qualified Status Changes). 
Open Enrollment packages will be mailed by People First to eligible employees between Monday, October 2 and Friday, October 13.
Open Enrollment for the 2018 plan year begins on Monday, Oct. 16, 2017, at 8 a.m. and ends promptly on Friday, Nov. 3, 2017, at 6 p.m. Eastern time. If you are eligible for benefits through the State Group Insurance Program, this is your once-a-year window to change your benefits outside of qualifying life events.
As a reminder, if employees do not make any changes during Open Enrollment, all benefits shown on their People First benefits statement will remain in effect for all of 2018, with the exception of any qualified status changes throughout the year.

3. Benefit Changes for 2018

4. HMO Contracted Service Areas
Participants enrolled in an HMO that is no longer available in their county will default to the HMO available in their home county of record according to the People First website
If an employee wants to enroll in their work HMO provider, they will need to contact People First during Open Enrollment to make that election
HMO enrollment will show on Annual Benefit Statement included in the Open Enrollment packet
No network interruptions are expected. Contact new provider if you have any questions.
Effective January 1, 2018 the HMO providers for various counties (including Orange County) will change. As you can see from the HMO contracted service area map, Aetna will be the HMO provider for Orange County effective January 1. If you currently have AvMed (or another HMO provider that is going away), you will default to the HMO available in your home county of record according to the People First website. Your HMO enrollment will also show on your Annual Benefit Statement included in the Open Enrollment packet mailed to you from People First as well.
The PPO coverage will remain unchanged with Florida Blue as the provider.

5. Assurant Name Change to
Sun Life (formerly Assurant)
The name change does not affect the plan benefits
Also, one of the nine current dental plans (Assurant) will change it’s name to Sun Life. The name change does not affect any plan benefits.

6. Dental Plan Changes
Dental plans no longer offered for the 2018 plan year:
Humana Network Plus Prepaid Dental Plan (4004)
Humana Preferred Plus PPO Dental Plan (4054)
United Solstice S700 Prepaid Dental Plan (4014)
Ameritas Preventive Plus (4064)
New plans available for the 2018 plan year:
Ameritas Indemnity w/ PPO (4021)
Ameritas Standard PPO (4022)
Ameritas Preventative PPO (4023)
MetLife Indemnity w/ PPO (4031)
MetLife Standard PPO (4032)
MetLife Preventative PPO (4033)
Please note that there are significant dental plan changes for the 2018 plan year. Currently, nine dental plans are available to UCF employees. Of those nine dental plans, four will no longer be offered for the 2018 plan year, and six new plans will be added for a total of eleven dental plan choices effective January 1, If you are currently enrolled in one of the dental plans that will no longer be offered, it is very important for you to determine which dental plan you would like to enroll in, and make an election during Open Enrollment. If you do not make an election during open enrollment, you will not have dental coverage next year.
Employees that are currently enrolled in a plan that will not be offered in 2018 will show no coverage on their People First Benefits Statement, and must actively elect a new plan. They will not be moved/enrolled into a comparable plan.
*DSGI will send four separate communications to these employees via .

7. 2018 Dental Plan Options Sun Life (formerly Assurant)
Ameritas
Indemnity w/PPO (4021)
Standard PPO (4022)
Preventative PPO (4023)
Metlife
Indemnity w/PPO (4031)
Preventative PPO (4033)
Cigna
Prepaid (4034)
Sun Life (formerly Assurant)
Freedom Advance Indemnity PPO (4074)
Prepaid (225)
Humana
Schedule B Indemnity Dental Plan (4084)
Select 15 Prepaid (4044)
A complete list of all (eleven) dental plans that are available in 2018 is listed here.
Handouts: Comparison with premiums and comparison with benefits listed.
An electronic version of this handout can also be found on our website via the link on the slide.
Dental Plan Comparison:

8. Vision Insurance Premium Increase
Monthly Premium
New Monthly Premium Amounts
(for 2018 plan year)
Employee Only
$6.96
(Increase of $.64)
Employee + Spouse
$13.74
(Increase of $1.26)
Employee + Child(ren)
$13.60
Family (Spouse + Children)
$21.36
(Increase of $1.98)
There are also slight premium increases for the Humana vision insurance. The monthly premium will increase for employee only coverage by .64, the employee + spouse and employee + child(ren) coverage by $1.26, and for family coverage by $1.98.

9. Health Savings Account (HSA) & High Deductible Health Plans
HSA contribution limit increase (employee and employer)
Individual: $3,450 (increase of $50)
Family: $6,900 (increase of $150)
Employer contribution remains the same
$41.66/month for individual up to $500/year
$83.33/month for family up to $1,000/year
Minimum deductible limit for High Deductible Health Plans
Individual: $1,350 (increase of $50)
Family: $2,700 (increase of $100)
Annual maximum out-of-pocket for High Deductible Health Plans
Individual: $6,650 (increase of $100)
Family: $13,300 (increase of $200)
The Health Savings Account (HSA) contribution limits will be increasing in 2018, with the individual maximum increasing by $50 to $3,450 and the family maximum increasing by $150 to $6,900. Please note that the employer contribution will remain the same at up to $500/year for individual coverage and up to $1,000/year for family coverage.
The deductible and annual out of pocket maximums for the High Deductible Health Plans are also slightly increasing.

10. Flexible Spending Account (FSA) $500 Carryover (For Healthcare FSA and Limited Purpose FSA)
Beginning in plan year 2019 (for plan year 2018), automatic carryover up to $500 into the next plan year (funds over $500 are forfeited)
$500 carryover will be added to annual election
If an employee has carryover funds (up to $500) and does not elect a FSA the next plan year, their funds will continue to carry over year to year until the funds are depleted
90-day grace period (January 1st through March 15th) will be eliminated for the 2018 plan year (still applies to the 2017 plan year)
2018 plan year contributions must be used by December 31st
Participants will have until 3/15/18 to finish spending their balance AND 4/15/18 to submit receipts
Claims submission deadline remains the same (through April 15th of next plan year)
Currently, the FSA plans have a grace period until March 15 of the next year for employees to use funds from the previous year. Beginning in plan year 2018, no grace period will exist anymore, so it will be important to use all of your 2018 FSA funds within the calendar year (January 1 through December 31).
Please note that the total amount of the plan year election including the carryover amount will only be visible in the Chard Snyder website – not in the People First website. Also, please note that the $500 carryover and elimination of the grace period does not apply to the Dependent Care FSA, only the Healthcare FSA and Limited Purpose FSA. The Dependent Care FSA will continue to have the grace period to allow additional time after the plan year to use funds for services up to March 15th of the following year.
Also, beginning in 2018, OPS employees will be eligible for the Healthcare Flexible Spending Account and the Limited Purpose Flexible Spending Account (when enrolled in the High Deductible Health Plan).
OPS employees will now be eligible for the Healthcare FSA and Limited Purpose FSA for the 2018 plan year.

11. Medication Synchronization (Med Sync)
Allows all prescriptions to be synchronized so they can be refilled on the same day
Optional and only allowed once per calendar year
Ineligible medications:
Controlled substances
Any drugs dispensed in unbreakable packaging from the manufacturer
Multi-dose unit of medication
If you are interested, speak to your pharmacist
Another new option beginning in 2018 will be medication synchronization (also called Med Sync), which is the option to allow all prescriptions to be synchronized so they can all be refilled on the same day. Please note that this is only optional, and only allowed once per calendar year. For the shorter day supply, the copayment will be prorated. Also, if you utilize the option of getting the 90-day supply of your maintenance medications at a retail pharmacy, please note that any short supply of medications that are synchronized will count as one of the three refills. There are some ineligible medications including controlled substances, any drugs that are dispensed from unbreakable packaging from the manufacturer and multi-dose units of medication. If you are interested, please speak to your pharmacist.

12. Other Important Information

13. Using People First to Enroll
Online User ID and Password Required -Or- Service Center Available Monday-Friday 8:00am to 6:00pm ET
You have two options to enroll during Open Enrollment. You can enroll online by going to the People First website at Please note that you will need your People First User ID to login. Also, please note that the People First website can only be accessed using Internet Explorer version 8 through 11, and Firefox versions 3.7 through the current release version, which is To access People First using Internet Explorer 10 or 11, you will need to use compatibility mode.
You can also call the People First Service Center at Monday through Friday, 8:00am to 6:00pm Eastern Time.

14. Additional Open Enrollment Reminders
If your address/ is not correct in the People First website, you will not receive communications from People First (including Open Enrollment packet). 
You will need your People First ID to enroll online. If you do not have your People First ID, contact the People First Service Center ( ).
If you have not logged on the People First website within 90 days, you will need to reset your password.
Once you complete your Open Enrollment elections through People First, you only have 24 hours to make any changes to your elections.
As a reminder, if your address or is not correct in the People First website, you will not receive communications from People First, including the Open Enrollment packet. If you wish to complete your Open Enrollment elections on the People First website, you will need your People First ID and password to log in. If you do not have your People First ID, you can contact the People First Service Center. If you have not logged on the People First website within the last 90 days, you will be required to reset your password when you log in. Also, please note that if you need to make any changes to your Open Enrollment elections after you complete the Open Enrollment process through People First, you only have 24 hours to contact People First to make those changes.

15. Additional Open Enrollment Reminders
Insurance premiums are paid one month in advance (with the exception of HSA and FSA spending accounts). Therefore, any changes made during Open Enrollment will be reflected on your first December 2017 paycheck (12/8/17).
If you already have Optional Group Term Life coverage through Securian (formerly Minnesota Life), you may increase your existing coverage by one level of annual earnings during Open Enrollment, or following a qualified status change, up to the lesser of five times annual salary or $500,000 on a guaranteed issue basis. 
Importance of reading Campus News s
With the exception of the Health Savings Accounts and Flexible Spending Accounts, all insurance premiums are paid one month in advance. Therefore, any deductions for January 2018 coverage will be taken from your December paychecks. Also, if you already have an optional term life policy through Securian (formerly Minnesota Life), you may increase your existing coverage by one level of annual earnings during Open Enrollment, up to the lesser of five times your annual salary or $500,000 on a guaranteed issue basis, which means you will not have to complete a health exam. Lastly, we wanted to reiterate the importance of reading Campus News communications, as that is the primary communication method that the Human Resources department uses to communicate with employees along with the HR Liaison network.

16. Student Union Pegasus Ballroom
2017 Benefits Fair
Friday, October 27th
9:00 a.m. to 2:00 p.m.
Student Union Pegasus Ballroom
Insurance, retirement and other vendors will be available
Learn about the many insurance options available to eligible employees to make the best choices during Open Enrollment
Flu Shots, Massage Therapy, CPR Instruction, Cooking Demos & Blood Drive
Prize Raffles
The 2017 Benefits Fair will be held on Friday, October 27th in the Student Union Pegasus Ballroom from 9:00am to 2:00pm. This is a great time to learn about the many insurance options available to eligible employees, so you can make the best choices during Open Enrollment. We are aware that the Benefits Fair is technically held two weeks into Open Enrollment. However, the event location was only available on the 27th of October.
There will also be ongoing activities at the Benefits Fair, like flu shots, chair massages, CPR instruction, a cooking demo and a blood drive as well as an annual parking hang tag raffle. Please attend if you can!

17. Dependent Verification Eligibility Audit
Employees enrolled in insurance benefits will receive a postcard and additional communications
Enrollees will be required to provide requested documentation to verify the eligibility of their dependents
A Campus News went out towards the end of September regarding the upcoming Dependent Verification Eligibility Audit. During the 2017 Legislative Session, the Florida Legislature directed the Division of State Group Insurance (DSGI) to conduct a dependent eligibility verification audit to ensure accuracy in the State Group Health Insurance Program. The audit applies to nearly 93,000 employees with approximately 193,000 actively enrolled dependents.
Starting this May, DSGI began phase one, which is a monthly quality assurance review on a random sample of new hires and qualifying status changes involving dependents. This process will continue through November of this year, and will resume after completion of the third party audit in May For phase two, a third party vendor will administer the dependent eligibility verification services in the form of an audit beginning December 1, 2017 through May 31, 2018.
Employees enrolled in insurance benefits will receive a postcard and additional communications from the Division of State Group Insurance (DSGI) in the coming months.

18. Dependent Verification Eligibility Audit Phase 2
12/1/17: 2nd phase of dependent verification eligibility audit will begin through the Division of State Group Insurance (DSGI) for all employees enrolled in health insurance
Amnesty Period
Members who remove dependents by November 30th 2017 will be held harmless for past claims of ineligible dependent(s)
Contact People First to remove dependents by contacting the People First Service Center ( ) or online during Open Enrollment
If documentation is not sent timely, or if documentation does not prove dependent eligibility, the coverage for ineligible dependents will be retroactively terminated and member will be responsible for all claims paid during the period the dependent was not eligible.
Additional Information:
As stated on the previous slide, the second phase of the dependent verification eligibility audit will begin on December 1st of this year. The audit is for 100% of employees enrolled in health insurance. Please note that if you currently have an ineligible dependent on your health policy, there is an amnesty period to remove the dependent(s) by November 30th. If you remove your ineligible dependent within the amnesty period, you will be held harmless for past claims of the ineligible dependent. It is very important to note that if your documentation is not sent timely, or if your documentation does not prove dependent eligibility, the coverage for the ineligible dependent(s) will be retroactively terminated and you will be responsible for any claims that were paid in the period of no coverage. For additional information, visit the Dependent Eligibility Verification page of the myBenefits website, which is listed on the slide.

19. As a reminder, the UCF Human Resources Benefits section offers an insurance enrollment lab to assist employees in completing their insurance enrollments.
During these one-on-one sessions, key features of the benefits plans can be compared and issues can be addressed, which need to be considered when making election decisions.
The sessions are available by appointment only. To make an appointment, please call or the UCF Benefits section:
Call: (407)
The UCF Human Resources Benefits Section now offers an insurance enrollment lab to assist employees in completing their insurance enrollments. During these one-on-one sessions, key features of the benefits plans can be compared and issues can be addressed, which need to be considered when making election decisions.
The sessions are available by appointment only. To make an appointment, please call or the UCF Benefits department by calling or by at

20. UCF Open Enrollment Website https://hr. ucf
UCF Open Enrollment Website State of Florida myBenefits Website How to Enroll in People First Website

21. UCF Human Resources Benefits Section (407) 823-2771 benefits@ucf.edu
If you have any questions, please do not hesitate to contact the UCF Benefits Section via telephone or . Our contact information is listed.