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

2. 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

3. 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

4. 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

5. 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

6. Health Coverage- NO Changes
No Plan Changes
Any changes must be elected through State Health Benefit Site
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

7. 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.

8. 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

9. 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.

10. 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

11. 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

12. 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%

13. 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

14. 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 or calling

15. 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

16. 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

17. 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

18. 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

19. 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

20. 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

21. 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

22. $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

23. 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

24. 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

25. 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

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

27. Benefit Connector Registration

28. Benefit Connector Registration

29. 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

30. Additional Questions?
There are multiple ways to have your questions answered
Contact your Garner & Glover team member at
Laura Newton
Julia Chambers
Central Office
Coosa School District
Pepperell School District
Armuchee School District
College & Career Academy/Transitional School
Model School District
Transportation