1. State of Florida Open Enrollment October 1 st – 26 th Presented by Human Resources - Benefits 590-1400 2007 edition

2. FGCU - Benefits Section Purpose  Employees can make any changes to their pre-tax insurances – Health, Life, FSA, Dental, Other Supplemental Coverage  Post-tax insurance (i.e., coverage through The Gabor Agency) or Retirement is not included.

3. FGCU – Benefits Insurance Topics  Making changes/enroll  Several plans being eliminated  New providers being added  Resources

4. FGCU – Benefits People First  All enrollments/changes must be made through People First (Benefits Administrator).  All enrollments/changes must be made by 5:30pm on October 26 th.  UserID and password required for changes (Service Center 866.663.4735)

5. FGCU – Benefits People First Cont.  Ways to enroll/make changes through the People First system: Online Online https://peoplefirst.myflorida.comhttps://peoplefirst.myflorida.com Make changes anytimeMake changes anytime Service Center Service Center 1.866.663.47351.866.663.4735 Available Monday – Friday, 8:30am – 5:30pmAvailable Monday – Friday, 8:30am – 5:30pm Paper Enrollment Forms Paper Enrollment Forms Available online or through the Service CenterAvailable online or through the Service Center

6. FGCU – Benefits Confirm Changes  How do I know my changes went into effect? People First confirmation statements People First confirmation statements Instant online statements (web enrollment)Instant online statements (web enrollment) Home mailings (after Open Enrollment has ended)Home mailings (after Open Enrollment has ended) Erroneous information – call People First immediately!Erroneous information – call People First immediately! Deadline: Friday, November 9 th by 5:30pm Deadline: Friday, November 9 th by 5:30pm  Changes made during Open Enrollment will go in effect January 1, 2008. Review FGCU paycheck (Dec. 7 th ) Review FGCU paycheck (Dec. 7 th ) Changes?

7. FGCU – Benefits Health Insurance  Same Premiums Available: Standard: $50/mth Individual, $180/mth Family Standard: $50/mth Individual, $180/mth Family Health Investor: $15/mth Individual, $64.30/mth Family Health Investor: $15/mth Individual, $64.30/mth Family  Same Providers Available: PPO - Blue Cross/Blue Shield PPO - Blue Cross/Blue Shield HMO - AvMed or United Healthcare HMO - AvMed or United Healthcare  TriCare Supplement will no longer be available after December 31, 2007! Must select option from PPO, HMO or no provider Must select option from PPO, HMO or no provider If no change made, employees will default to PPO If no change made, employees will default to PPO

8. FGCU – Benefits Reimbursement Accounts / Health Savings Accounts  Please review current election!  Must select annual amount when enrolling (deductions based on number of paychecks)  FSA – “Use it or lose it” Used with the Standard Health Plans Used with the Standard Health Plans  HSA – “Rolls over” Used with the Health Investor Health Plan Used with the Health Investor Health Plan New employee contribution maximums New employee contribution maximums $2900 (individual) and $5800 (family)$2900 (individual) and $5800 (family) No change in employer contribution maximumsNo change in employer contribution maximums Employee catch-up provision of $900 (age 55+)Employee catch-up provision of $900 (age 55+)

9. FGCU – Benefits Life Insurance  New vendor: Minnesota Life  Policy: Group Term, incl. Accidental Death & Dismemberment  Plan: Core benefits unchanged  Enhancements: Will preparation & Beneficiary financial counseling  Value: Basic, 1.5x annual salary Optional, 1-5x annual salary Optional, 1-5x annual salary  Beneficiary: Must submit new beneficiary designation form to provider (available through People First) Default to spouse, child, parents, or estate Default to spouse, child, parents, or estate

10. FGCU – Benefits Vision Insurance  No vision insurance available during the 2008 Plan Year Current coverage will end 12/31/2007 Current coverage will end 12/31/2007 Deductions will end after 11/21/07 paycheck Deductions will end after 11/21/07 paycheck  Suggestion: Enroll/increase Flexible Spending Accounts for eye exams, glasses and/or contact lenses  Vision screenings available as preventive benefit under PPO and HMO providers (through co-pay) and discounts given on glasses and contacts Check with carrier for specific rates and products Check with carrier for specific rates and products

11. FGCU – Benefits Dental Insurance  Nine Available Options: Pre-paid (DHMO) Pre-paid (DHMO) American Dental Plan, Assurant (Denticare), Cigna, CompBenefits & United Healthcare (Starmark)American Dental Plan, Assurant (Denticare), Cigna, CompBenefits & United Healthcare (Starmark) Dental PPO (DPPO) Dental PPO (DPPO) CompBenefits CompBenefits Indemnity Indemnity Ameritas, Assurant (Denticare), CompBenefitsAmeritas, Assurant (Denticare), CompBenefits  Coverage through Oral Health Services (DHMO & DPPO) will end 12/31/07 You will default to CompBenefits or United unless you make an active election(default selection made by People First) You will default to CompBenefits or United unless you make an active election(default selection made by People First) You will default to new DPPO plan under CompBenefits unless you make an active election. You will default to new DPPO plan under CompBenefits unless you make an active election.

12. FGCU – Benefits Dental Cont.  Pre-paid/DHMO Low out-of-pocket costs, limited provider freedom (network only) Low out-of-pocket costs, limited provider freedom (network only)  DPPO Higher out-of-pocket costs, more provider freedom (in-network vs. out-of-network) Higher out-of-pocket costs, more provider freedom (in-network vs. out-of-network)  Indemnity Higher out-of-pocket costs, complete provider freedom (no network) Higher out-of-pocket costs, complete provider freedom (no network) Pay for services up front, file for reimbursement Pay for services up front, file for reimbursement

13. FGCU – Benefits Dental Cont.  New tier system: Employee (EE) Employee (EE) EE + Spouse EE + Spouse EE + Child(ren) EE + Child(ren) Family Family  Employees currently enrolled in any coverage level (other than employee only) and no change is made, coverage will default to the family tier level regardless of the number of dependents.

14. FGCU – Benefits Did You Know?  Select dental plans provide discounts for vision services: American Dental Plan American Dental Plan Assurant (Denticare) Assurant (Denticare) CompBenefits CompBenefits United Healthcare (Starmark) United Healthcare (Starmark)  For more information, please contact the provider directly.

15. FGCU – Benefits Supplemental Insurance  Hospitalization, Cancer/Intensive Care, Accident/Disability, Optional Life If enrolling, please complete additional paperwork or meet with a company representative. If enrolling, please complete additional paperwork or meet with a company representative. Enrollment not complete until People First/Insurance Company approves underwriting. Enrollment not complete until People First/Insurance Company approves underwriting.

16. FGCU – Benefits Suppl. Insurance Cont.  Colonial is offering guarantee issue on their short term disability plan.  Benefit: 66 2/3% of salary (limit $3000/mth) for a max of 24 months  Pre-existing conditions not covered during the first 12 months of coverage, but full coverage provided from the second year through age 70.  Contact: Sydney Sewell to enroll 239-463-4611 or csissewell@aol.com 239-463-4611 or csissewell@aol.com

17. FGCU – Benefits Suppl. Insurance Cont.  Alta is offering an addition to the 365 Plus HMO supplemental hospitalization plan PPO suppl. plans available: 30/20 or Preferred Provider Plus PPO suppl. plans available: 30/20 or Preferred Provider Plus  Choose hospitalization coverage to help pay for out-of-pocket expenses not covered by health insurance Hospital deductible, room & board, co-pays, etc. Hospital deductible, room & board, co-pays, etc.  To enroll, complete application (found in brochure) and enroll through People First  Vision discount offered (including eye exam, glasses and contacts)

18. FGCU – Benefits Other Available Plans  Hospital Income Philadelphia American Philadelphia American  Cancer/Intensive Care AFLAC & Colonial AFLAC & Colonial  Accident Insurance Colonial Colonial  No change in core benefits

19. FGCU – Benefits State of Florida Resources  People First Service Center Monday – Friday, 8:30am – 5:30pm Monday – Friday, 8:30am – 5:30pm 866.663.4735 866.663.4735 https://peoplefirst.myflorida.com https://peoplefirst.myflorida.com  State/DMS Resource http://www.myflorida.com/mybenefits http://www.myflorida.com/mybenefits

20. FGCU – Benefits FGCU Benefits Resources Human Resources Online: www.fgcu.edu/HR/ click Benefits Benefits Office: M-F, 8a – 5p 239-590-1400 hr@fgcu.edu Open Enrollment Links