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Hello, I am Donna Cassario, one of your Benefits Specialists hereat Brevard Public Schools. I am going to spend the next 15minutes going over the Annual Open Enrollment presentation for2013 Employee Benefits. I will outline the key components andchanges to your benefits offered through Brevard Public SchoolsAND focus on how to maximize the value of these plans...

Remember, these are your benefits, and we want you to receivethe highest quality and value possible. As a respected employeeof this district, your optimal health and well-being are important tous. We encourage you and your family members to take charge ofyour health by taking advantage of your scheduled PreventiveCare screenings!

Now, let’s get started…

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Once again, we’ve got you covered with the BPS Health Plan andbenefits offered by Brevard Public Schools.

Open enrollment for 2013 will start on October 22nd and end onNovember 1st this year. If you would like to make any changes to yourcurrent benefits elections, this will be the only time to log-on to theenrollment Website and make changes.

If you are newly hired and have recently made your selections forcurrent benefits for this calendar year 2012, those benefits will remain ineffect for 2013, unless you wish to start or continue with FlexibleSpending Accounts or you wish to make any changes for 2013, thenyou will need to go on-line and enroll.

It’s easy, and I’ll show you how in just a few minutes.

But now, let’s begin to go through some of the key highlights of yourbenefits program options.

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We want to make you aware of upcoming changes based uponlegislation from Health Care Reform for 2013.

• The Maximum Contribution to medical Flexible SpendingAccount (FSA) is now $2,500

• Employees will receive a new Summary of Benefits andCoverage (SBC)

• Your board paid contribution toward the BPS Health Planwill now be listed on your W-2 for calendar year 2012.

This amount will not be taxed, it is simply being listed forinformation purposes.

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Preventive Care Services are services provided to help you prevent adisease.

These screenings are based on guidelines established for your age andgender. Some good examples are Annual Physicals, Annual Well-Woman Exams, Mammograms, Immunizations, and PSA screenings. Alist of covered services is available on the district benefits website andis titled “Understanding Your Preventive Care Benefits.”

The good news is that the covered Preventive Care Services areprovided at NO COST to you when visiting an In-network provider.

Through preventive exams and routine health screenings, your doctorcan detect early warning signs of more serious conditions. As youknow, the earlier a condition is discovered, the sooner it can be treated,and your chance of a better prognosis and healthier life is greatlyincreased! These services could literally end up saving your life!

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As you know, these economic times have created many challenges for all of us.Based on employee survey feedback and efforts by the Superintendent’s InsuranceAdvisory Committee, we implemented the BPS Preferred Health Centers onJanuary 1st, 2012. These Preferred Health Centers provide employees, retirees,and their covered dependents with lower-cost treatment alternatives for urgentand/or convenient care without disruption of your Primary Care Providerrelationship.

We listened to your concerns and needs, and worked on developing a solution. Wecontinue to seek additional feedback from you, but so far, the response has beenoverwhelmingly positive!

Additionally, preliminary claims data show a decline in the number of EmergencyRoom Visits while still providing an option for optimal care, which results in lowerout-of-pocket costs to both you and to the BPS Health Plan!

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From Titusville to Palm Bay, we’ve got you covered with the BPSPreferred Health Centers conveniently located throughout BrevardCounty. BPS’ Preferred Health Center network now has 13 facilities,including the newest beachside location in Indialantic --Surfside UrgentCare.

These community health-care partners are committed to providing youwith an alternative treatment option and extended hours of operation allat a lower cost to you.

We will continually monitor the network and make any adjustmentsnecessary to ensure the highest quality and most convenient access foryou and your covered family members. Of course, you will continue tohave access to your other CIGNA network providers at the currentbenefit plan levels. Remember, using the CIGNA network always savesyou money – and now – using the BPS Preferred Health Centers savesyou even more!

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• Each of the centers has high quality staff to assist you, often anM.D.

• The centers provide necessary labs, basic x-rays, andprescriptions for medically necessary medications.

• Any care provided, or referrals, will be coordinated with yourprimary care provider.

• And because we’ve negotiated special provider reimbursements,when you visit a BPS Preferred Health Center, your co-pay is only$15, with all claims managed by our current BPS Health Planadministrator—CIGNA.

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A common question that is asked regarding the Urgent CareCenters is: “What conditions should I go to the Urgent Care Centerversus the Emergency Room?” The short answer is that anythinglife or limb threatening should always be treated at an EmergencyRoom. The Urgent Care Centers provide treatment options fornon-life threatening conditions.

Urgent Care Centers are great facilities for conditions which couldbe treated by a doctor’s office visit, but are somewhat urgent innature. Some good examples are: Minor burns or injuries, sprainsor strains, colds, sore throats, fever, flu symptoms, ear infections,rashes or skin irritations, mild asthma, and animal bites.

Always utilize the Emergency Room for chest pain, difficultybreathing, severe bleeding, head or face trauma, loss ofconsciousness, sudden loss of vision, and blurred vision.

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Now let’s discuss some ways to maximize the value of your benefit plan by being agood health care consumer. Remember to always utilize In-network providers for allservices. For Routine Laboratory Services, make sure to utilize Quest or LabCorpas your In-network lab provider. There is no Copayment at LabCorp or Quest labs,and negotiated rates lower costs to the BPS Health Plan.

Did you know that the cost for Outpatient Diagnostic Procedures like X-rays, MRI’s,or CAT Scans varies depending upon where you receive these services? If youhave an MRI at an Outpatient Imaging Center, the cost could be up to 50% lessthan the cost for that same procedure at a hospital…

In this example, your responsibility is 20% of the contracted rate of $500 for an MRIat an Outpatient Imaging Center versus the contracted rate of $1,000 at a Hospital,your 20% out-of-pocket cost would only be $100 compared to $200 at the Hospital.

Plus the cost to the BPS Health Plan is then $400 at the Outpatient Center, asopposed to $800 at the Hospital.

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Talk to your doctor about the lower-cost medication alternatives, such as generic orpreferred-brand alternatives that may be available which can save you significantlyon your out-of-pocket costs.

If you are taking any Maintenance Medications, you can utilize the Cigna HomeDelivery program to get a 90-day supply for only 2 30-day copayments as opposedto 3 copayments, saving you a third of the cost. Maintenance Medications arethose that you are taking on an ongoing basis like blood pressure or cholesterolmedications.

Another way to be a good health care consumer is to look at the $4 Medication Listsat retail pharmacies, and talk with your pharmacist or doctor to see if one of thosemay work for you! In addition, some pharmacies will fill the prescriptions for certainantibiotics for FREE.

Our BPS Health Plan pharmacy program, administered by CIGNA, is detailed ontheir website at www.mycigna.com .

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When there are several equally effective medication choices available, it makessense to use the least expensive options whenever possible.

The Pharmacy Step Therapy program could save both you and your benefits trustfund substantial cost, which saves all of us money. The program requires thatindividuals use one or more lower-cost medications first before moving to higher-cost, non-preferred brand-name drugs in certain therapeutic categories.

CIGNA will work with you and your doctor to be sure that you are using the bestdrug for your care. This program targets only 14 categories of non-preferred brand-name medications, so if you are currently taking generic or preferred brand namedrugs, you will not be affected by this new program. If you want to see a list of thedrug categories or check to see if a drug is on the step therapy, non-preferredbrand-name list, you can do this by visiting www.mycigna.com

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Our goal is to hold your costs down as much as possible whileproviding quality benefits. The Delta Dental Plans, Humana Vision Plan,and The Hartford’s Short and Long-Term Disability and AD&D productsrates are actually decreasing.

By visiting the district Benefits website,

http://benefits.brevardschools.org/Benefits.htm you can also find a linkto a video presentation which provides a detailed description of theDental plans and benefits. The video will explain the differences in theplans and help you to make an informed decision regarding what optionis best for you and your family…

If you are adding Hartford’s Short-Term or Long-Term Disability plansfor the first time, you will need to complete an Evidence of Insuranceapplication to be approved for this coverage. This application will besent to you by The Hartford.

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Dental coverage for 2013 is the same with 4 different plan options:Two DHMO products provided by DeltaCare USA and Two PPOproducts provided by Delta Dental. All the premiums are paid bythe employee through payroll deductions using pre-tax dollars, andthere are no design changes with any of the BPS dental plans.

There will be no increase in cost for the DHMO dental products in2013. As a matter of fact, there will be a decrease in rates for you!This chart shows the premiums for the two DHMO DeltaCareplans.

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There will also be a decrease in premiums for the two PPO plans!This chart shows the premiums for the two Delta Dental PPOplans.

For complete descriptions of all dental plan designs and how theywork, please refer to our Benefits Website.

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As you recall, BPS introduced the spousal surcharge a couple of yearsago for medical coverage only, and this will continue to be in place afterJanuary 1, 2013.

This surcharge will not apply to you if your spouse does not work, worksfor an employer who does not offer medical insurance for its employees,works for Brevard Public Schools, or if your spouse is eligible for agovernment-sponsored medical plan such as Medicare.

Also, the surcharge will not apply if your spouse elects medicalcoverage through his or her employer, and is also enrolled in medicalcoverage under your plan. In that instance, your spouse’s plan will beutilized as primary coverage, and the BPS Health Plan will besecondary coverage.

Again, this is only for MEDICAL coverage, not dental, vision, or otherbenefit options.

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If you have previously completed an affidavit, the determination ofwhether or not you currently pay a spousal surcharge will remain inplace, but ONLY if you update your Affidavit during Open Enrollment.This can be done easily by going to the enrollment website and clickingthe AFFIDAVIT AFFIRMED button.

Everyone who newly enrolls his or her spouse in medical coverageduring this open enrollment will be assessed the monthly surcharge –unless you complete an affidavit stating the surcharge does not apply toyour spouse’s situation. The affidavit will pop up if you are enrollingyour spouse for the first time. It must be printed, completed, andsigned, and the ORIGINAL affidavit must be returned to theCompensation and Benefits Office no later than November 15, 2012.You must send the original document; no faxes or scanned copies willbe accepted.

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Health Care Reform extended the maximum age for dependent coverage to age 26. The child has to beyour natural child, step child, or adopted child, and not have insurance available through other groupcoverage. The child’s coverage will terminate, however, at MIDNIGHT on the child’s 26th birthday.

Do not confuse this with the Florida Statute, which provides coverage for your children between the agesof 26 and 30. This coverage requires a child to:

• Be your financial dependent;• Be unmarried with no dependents of his or her own;• Reside in the state of Florida OR is a full or part-time student;• Not have medical insurance available through his or her employer,• Not covered under any other medical insurance plan.

If this child remains eligible, coverage will terminate on December 31st of the year the child turns 30.

Please note:Children are automatically dropped from medical, dental and vision when they turn 26 UNLESS you addthem as an Overage Dependent. If your dependent child is between the ages of 26 and 30 and qualifies forcoverage, you must complete the Dependent Age 26 - 30 Affidavit to receive coverage.

Children are automatically dropped from Accidental Death & Disability (AD&D) when they turn 22 andDependent Life insurance when they turn 26.

On a separate note, grandchildren can only be covered until they are 18 months old as long as their parent,your child, is being covered on the BPS Health Plan or you become their legal guardian.

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Medical Flexible Spending Accounts, or Medical FSAs, continue to be a great way to increase yourbuying power and reduce your taxable income. If you wish to continue or start an FSA which begins onJanuary 1, 2013, you must go on-line to enroll and select this option during open enrollment. You canelect up to a total of $2,500 for this plan year. This amount is lower than the previous maximum of$5,000 in compliance with Health Care Reform.

You can use these pre-tax dollars to cover additional medical, pharmacy, dental, and vision out-of-pocket expenses; the entire amount you elected is pre-funded and will be available for your use ONJanuary 1st, 2013.

The annual amount you choose will be divided by the number of pay periods in the calendar year, andyour gross pay will be reduced by that amount each paycheck on a pre-tax basis. As always, yourmedical, dental, and vision plan premiums are not eligible for reimbursement from your medical FSA.And because of federal healthcare reform, over-the-counter medications are still not reimbursedthrough the FSA without a written prescription. A complete list of eligible expenses can be found on theBenefits website.

Remember – plan carefully when determining how much to put in your medical Flexible SpendingAccount. The IRS imposes the “use it or lose it” rule, which means any account funds not used duringthe benefit period will be forfeited and cannot be returned to you by law.

If you enrolled in the FSA previously, then your new FSA amount will be loaded onto your existing card.DO NOT THROW OUT YOUR CURRENT YEAR FSA CARD!

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Using the Dependent Care FSA provides another way to use TAX FREEdollars to pay for your eligible dependents’ care expenses. The annualamount is divided by the number of pay periods in the year, and yourgross pay is reduced for each paycheck by that amount on a pre-taxbasis. Your election for the Dependent Care FSA can be up to $5,000 ifyou are married filing a joint income tax return or a single parent. If youare married, but file separately, you are limited to $2,500.

This kind of FSA is not pre-funded—you can only use the funds thathave been withheld each pay period. You cannot be reimbursed forfunds that have not yet been withheld.

If you wish to continue or start a Dependent Care FSA which begins onJanuary 1st, 2013, you must enroll during this open enrollment. Thisaccount will not automatically roll over for plan year 2013.

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If you do not want to make any changes to your medical, dental, life,STD, LTD, or AD&D coverage's, your current benefits, you do not needto go online to enroll because your current selections will automaticallyroll over.

However, you may have to update one or more of the following:

1. The Spouse Medical Plan Affidavit, if your spouse is covered by themedical plan.

2. The Dependent Age 26 to 30 Affidavit, if you want to cover adependent child between the ages of 26 and 30.

3. The Medical FSA, because enrollment is required each year, if youwant to participate.

4. The Dependent Care FSA, because enrollment is required each year,if you want to participate.

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So, what do you have to do if you need to enroll this year? Actually, the online enrollmentprocess is pretty much unchanged. Here is an example of what you will see when you goonline to enroll. All of your current benefits elections for 2012 (except for any flexiblespending accounts you may have) will automatically populate your selections for 2013.These are the elections for medical, dental, vision, short- and long-term disability,additional life insurance, and AD&D that will carry over into 2013, unless you wish to makeany changes to this screen and submit your changes during the open enrollment window.

Your password to log-on to www.EasyBenefits.com enrollment website has not changedsince you last enrolled. You will, however, receive your password letter from your SiteBenefits Contact on October 15, about a week before the Open Enrollment begins onOctober 22. Please read this letter, as very important information regarding your OpenEnrollment is included.

If you have any questions about the online enrollment process, please first contact yourSite Benefits Contact, or you may submit any questions via email tobenefits@brevardschools.org

If you are a new employee and are just now signing up for 2012 plan year benefits, pleasenote that you will have to enroll again for 2013, but only if you want to make any changesfor 2013, or if you want to sign up for a 2013 flexible spending account.

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All of the information we have just reviewed, plus details about all of our otherbenefits plans, is available on the Benefits Websitehttp://benefits.brevardschools.org/benefits . Each employee is encouraged toutilize this website to more fully understand the District’s benefits package.

If you have any further questions, please ask your school or site Benefits Contact,or send an email to benefits@brevardschools.org

Brevard Public School’s suite of benefits offerings can make a big difference in thehealth and well-being for you and your family!

Thank you for your time and attention to this important information that affects you.

Please remember that online open enrollment starts on Monday, October 22ndand ends at 11:59 pm on Thursday, November 1st.

In so many ways, we’ve got you covered!

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