welcome to open enrollment 2014 - orange county, florida

Open EnrollmentHandbook

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Enroll in your benefits using myOCinfo, the same system you used last year for open enrollment and currently use to apply for County jobs, change your address, and view and print your paystubs.

myOCinfo can be accessed from any computer that has internet access, and you can launch it directly from the Open Enrollment page of the County website (www.ocfl.net) or from the CountyLine intranet. From the County website, click on the Open Enrollment 2014 slider. From the CountyLine intranet, scroll down to HR Corner, Employee Self

Service, and click on “myOCinfo–Apply for Jobs; View/Update Your Personal Information.

You must log in to myOCinfo between October 7 and October 25, 2013, to submit your Open Enrollment elections.

Welcome to Open Enrollment 2014

Is Open Enrollment Mandatory?✓ Do you want to receive

the High Plan Contribution?

✓ Will you be enrolling in a County medical plan and want to avoid the Tobacco User Surcharge?

✓ Will you be waiving a County medical plan and want to receive the Opt-Out Credit?

✓ Do you want to elect an FSA?

✓ If you answered YES to any of the above questions, then you MUST participate in Open Enrollment and submit your elections on myOCinfo.

Enroll using myOCinfo

Are you adding dependents who were not previously covered or making changes to a dependent’s name, birth date or relationship? Submit proof of their eligibility to HR by 11/8/2013.

2014 Open Enrollment Handbook

Tobacco User SurchargeIn response to the increasing cost of delivering employee healthcare benefits and the

overwhelming evidence that tobacco use is a leading cause of serious illness, Orange County assesses a tobacco user surcharge of $25 per pay period. The surcharge is applicable only to

employees enrolled in either the HDHP or LDHP.To avoid the surcharge during 2014, you must acknowledge your non-tobacco use and submit the

Tobacco Certification during your online open enrollment. This can only be done when you EDIT the Medical Benefit.

Cigna - Choice Fund Open Access Plus HSA PlanHigh Deductible Health Plan (HDHP)The HDHP is made up of two parts – the Medical Plan and the Employer Contribution

The Medical Plan:• Annual deductible, 20% coinsurance and out-of-pocket maximum• Pharmacy coverage without a separate deductible• Preventive care coverage of 100%, even before you reach your deductible• Preventive drugs covered outside of the deductible

The Employer Contribution:• Helps offset the HDHP deductible• Contribution based on level of medical coverage elected during Open Enrollment• $750 contribution for employee only and $1,250 contribution for employee plus dependent(s) coverage• Contribution can be made into a Health Savings Account (HSA) or medical Flexible Spending Account (FSA)• You must open a new HSA account by October 31st, 2013 to receive the employer contribution.

Cigna - Open Access Plus PlanLow Deductible Health Plan (LDHP)The LDHP is made up of two parts – Co-pays and a Deductible:

• Preventive care covered at 100%, before you reach your deductible. You pay Co-pays for the following services:• Doctor’s office visits• Specialist office visits• Outpatient mental health/substance abuse• Urgent care• Prescriptions

You pay the Co-insurance of 20% after you meet the calendar year deductible for all other medical services:• Co-pays and co-insurance amounts that you pay contribute to the out- of-pocket maximum

Medical Plan Highlights

You can only make changes outside of Open Enrollment if you have a qualified status change event such as marriage, birth, divorce, death, adoption, change in spouse’s employment, etc., and request the changes within 60 days of the event. However, you will not be able to change between the medical or dental plan options (High Plan to Low Plan, for example) until Open Enrollment of the following year.

Low Deductible Health Plan: co-payments and co-insurance contribute to the annual out -of-pocket maximum for the plan year.

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Medical Benefit High Deductible Plan Low Deductible PlanCalendar Year Deductible (CYD)

Individual/Family$1,250 / $2,500

$500 / $1,000

County Contribution Individual/Family

$750 / $1,250None

Out-of-Pocket Maximum (OOP) Individual/Family

$2,400 / $4,800$1,500 / $3,000

Preventive Care $0 $0Primary Care Visit 20% after CYD $20 Copay*Specialist Visit 20% after CYD $35 Copay*Inpatient Hospital Admission 20% after CYDOutpatient Surgery (Hospital) 20% after CYD 20% after CYDOutpatient Surgery (Non-Hospital) 20% after CYD $100 Copay*X-Ray, Lab, CT, MRI, PET, Nuclear 20% after CYD 20% after CYDDurable Medical Equipment 20% after CYD 20% after CYDUrgent Care 20% after CYD $40 Copay*Emergency Room 20% after CYD 20% after CYDAmbulance 20% after CYD 20% after CYD

Rehab/Therapy 20% after CYD 20% after CYD

High Deductible

Plan

? ? ? LowDeductible

Plan

? ? ?

Pharmacy Preventive Treatment(after CYD)

Preventive &Treatment

Tier 1 (Generic) $10* $10 $10*Tier 2 (Preferred Brand) 10% + $30* 10% + $30 10% + $30*Tier 3 (Non-Preferred Brand) 10% + $50* 10% + $50 10% + $50*

Medical Plan Highlights

* DOES NOT apply to CYD; however, DOES apply to OOP.

Comparison based on in-network benefits only.

2014 Medical PlanComparison

Details regarding specific eligibility, coverage exclusions, definitions and other information are included in the full summary plan document.


Questions HSA Medical FSA Limited Purpose FSAAm I eligible for this account?

You are if you are on the HDHP and meet IRS criteria

You are if you are ineligible for an HSA

You are if you do not have a Medical FSA

Is there a maximum contribution amount?

Yes. The 2014 maximums are $3,330 for single coverage and $6,550 for employee with dependent coverage (includes County contribution)

Yes. The 2014 maximum contribution amount is $2,500 (excludes County contribution)

Yes. The 2013 maximum contribution amount is $2,500 (excludes employer contribution)

When are the funds available for me to use?

Upon deposit From day one From day one

Who owns the account? You do! Orange County Orange County

How do I access the funds? With a debit card, ATM, Check or Online bill pay

With a debit card or submit a reimbursement request

With a debit card or submit a reimbursement request

Will the funds rollover to the next year?

Yes. The account is yours and any money belongs to you

No! March 15, 2015, will be the deadline to use or lose the funds

No! March 15, 2015, will be the deadline to use or lose the funds

Is a mid-year deduction change allowed?

Yes. A change is allowed for any reason

A change is not allowed unless you have a qualifying event

A change is not allowed unless you have a qualifying event

What can I use the funds for?

All qualified medical, pharmacy, dental and vision expenses

All qualified medical, pharmacy, dental and vision expenses

All qualified dental and vision expenses only. No medical or pharmacy

Can I receive the County Contribution to this account?

Yes. if you elect the HDHP on myOCinfo during Open Enrollment and are eligible for HSA contributions

Yes, if you elect the HDHP on myOCinfo during Open Enrollment and are ineligible for HSA contributions

Yes, if you elect the HDHP on myOCinfo and are ineligible for both HSA and Medical FSA contributions

Which Health Account Can You Have?In 2014, Orange County will again offer three different pre-tax, health-related accounts for health expenses – a Health Savings Account (HSA), a Medical Flexible Spending Account (FSA), and a Limited Purpose FSA.

Use the chart below to compare the three health-related accounts and determine which you are eligible to

participate in. Should you wish to contribute your own pre-tax dollars to a health-related account, you must make that election on myOCinfo during Open Enrollment.

NO You CANNOT have a Medical FSA and a Limited Purpose FSA at the same time.

NO You CANNOT have a Medical FSA and an HSA at the same time.

YES You CAN have an HSA and a Limited Purpose FSA at the same time! In order to receive the employer and employee contributions in 2014, you must open a new HSA account with JP Morgan Chase by 10/31/13.

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Do you want to receive up to $1,250 next year?

The County offers two financial contributions based on your Open Enrollment elections. If you are a benefits-eligible employee, you can receive a $750 or $1,250 contribution if you elect the High Deductible Health Plan

(HDHP), or up to $25 per pay period if you decline both of the County’s Cigna Open Access Plus medical plans. Review the information below to learn more about these contributions.

High Deductible Health Plan Contribution

Opt-Out Credit

• Only for employees who select the HDHP on myOCinfo during Open Enrollment

• Up to $25 per pay period when you decline both of the County’s Cigna Open Access Plus medical plans

• Deposit amount is based on your Open Enrollment election as of 10/25/2013 (Employee Only = $750; Employee plus Dependents = $1,250)

• Can be used to offset TRICARE supplemental plan, dental, vision and/or supplemental life insurance premiums

• You must submit elections on myOCinfo between 10/7/2013 and 10/25/2013 to receive this contribution

• Cannot be used to cover the cost of Spouse Life Insurance, Child Life Insurance or Short-Term Disability Insurance

• Deposit will be made to your JP Morgan Chase Bank HSA in January 2014 if you meet HSA eligibility requirements and have an active HSA by 10/31/2013, or to an FSA if you don’t qualify for an HSA

• You MUST submit elections on myOCinfo between 10/7/2013 and 10/25/2013 to earn the Opt-Out Credit

Are you eligible for an HSA?

You are eligible for an HSA if you meet the following criteria established by the IRS:

✓ You are enrolled in a High Deductible Health Plan (HDHP)

✓ You are not covered by another health plan that is NOT an HDHP

✓ You are not enrolled in Medicare or Medicaid (Parts A, B or D)

✓ You are not claimed as a dependent on someone else’s tax return

✓ You are not entitled to TRICARE or TRICARE for Life

✓ You are not covered by a Medical FSA (yours or your spouse’s)

✓ You have not received VA medical benefits within the past three months

! In order to receive the employer and employee contributions in 2014, you must open a new HSA account with JP Morgan Chase by 10/31/13.


Other Benefits

Dental -New Plan informationFor 2014, Cigna will be the provider. There are some changes to the Dental Plan. • There is no Late Entrant Penalty for 2014• All Dental Plans covers preventive services at 100% in and out of network• All three plans now feature an increase to the Annual Maximum paid by insurance of $250 per year if the insured receives at least one oral exam and one cleaning during the calendar year• There is a small increase of premiums at all tiers

VisionThere are no plan, coverage or rate changes in the Vision Plan for 2014.

Life InsuranceBasic Life Insurance equal to your annual salary will continue to be paid for by the County. If you are interested in Additional Life Insurance, you will be happy to know that there are no rate changes to the Additional Life Insurance, Spouse Life Insurance or Child Life Insurance for 2014!

DisabilityThe County will continue to provide Long-Term Disability Insurance for all “benefits eligible” employees in 2014. Long-Term Disability Insurance has a 180-day waiting period, so if you wish to reduce your waiting period, you should purchase Short-Term Disability Benefits. Short-Term Disability rates are unchanged for 2014 and your buy-down options will be shown on myOCinfo during open enrollment.

Dependent Care Flexible Spending AccountIf you wish to contribute pre-tax dollars into a Dependent Care Flexible Spending Account in 2014, be sure to make your election on myOCinfo during open enrollment. Current deductions for this benefit DO NOT roll over from year to year. The annual maximum contribution to a Dependent Care Flexible Spending Account is $5,000. This limit is not related to any of your other HSA or FSA contributions.

Normal medical underwriting rules are in effect for the 2014 Open Enrollment period

Additional Employee Life – Any request to elect or increase Additional Employee Life Insurance during Open Enrollment requires medical underwriting unless:

1. You have not been previously denied through medical underwriting

2. Have at least $10,000 of Additional Employee Life Insurance

3. Do not request an increase greater than $10,000

4. Your Additional Employee Life Insurance amount does not total more than $200,000

Spouse Life and Child LifeAny request to elect or increase during Open Enrollment requires medical underwriting

Short-Term Disability – Any request to elect or reduce the STD waiting period during Open Enrollment requires medical underwriting.

If you presently carry Child Life Insurance, please be advised of the eligibility requirements. Child Life Insurance is only available to your unmarried children through age 20 (through age 24 if a full-time student), your unmarried stepchildren or the children of your domestic partner through age 20 if living with you (through age 24 if a full-time student), and your unmarried disabled children of any age. Please contact your HR Representative for more information and clarification of eligibility requirements.

*For full plan information on these benefit offerings, please refer to the 2014 Benefits Handbook which will be available via the County’s website and the CountyLine Intranet during Open Enrollment.

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Benefits Fairs

Date Location Time

WednesdayOctober 2

Public Works4200 S. John Young Pkwy1st Floor Training Room

1:00 pm – 4:00 pm

WednesdayOctober 2

Corrections3723 Vision Blvd.

Horizon 3

6:00 am – 9:00 am5:00 pm – 8:00 pm

ThursdayOctober 3

Fire Headquarters6590 Amory Court, Winter Park

1st Floor, Room 1101:30 pm – 4:30 pm

ThursdayOctober 3

Utilities Admin Building9150 Curry Ford Road

1st Floor Training Room8:00 am – 11:00 am

FridayOctober 4

Corrections3723 Vision Blvd.

Horizon 3

6:00 am – 9:00 am5:00 pm – 8:00 pm

WednesdayOctober 9

IOC 1 (HR Building)450 E. South Street

1st Floor, Largo 8:00 am – 11:00 am

WednesdayOctober 9

Health and Family Services2010 E. Michigan Street

Facilities Management Training Room 1:00 pm – 4:00 pm

ThursdayOctober 10

Convention Center9800 International Drive

W2031:00 pm – 4:00 pm

FridayOctober 11

Fire Headquarters6590 Amory Court, Winter Park

1st Floor, Room 1108:00 am – 11:00 am

Need more information?

Do you have a question about a particular benefit? Who better to ask than the benefits providers themselves? Attend a Benefits Fair and meet the representatives from our medical,

prescription, dental, vision, HSA, FSA, Life and Disability, and Deferred Comp providers, as well as Orange County Parks, Wellness and Benefits!


Plan Type and Coverage Level Premium Employee Contribution

County Contribution

Medical PremiumsHDHP Employee only $229.53 $0.00 $229.53HDHP Employee + spouse $505.30 $77.00 $428.30HDHP Employee + child(ren) $465.92 $70.00 $395.92HDHP Employee + family $686.36 $155.00 $531.36

LDHP Employee only $246.15 $10.00 $236.15LDHP Employee + spouse $523.50 $89.50 $434.00LDHP Employee + child(ren) $486.72 $82.50 $404.22LDHP Employee + family $708.81 $170.00 $538.81

TRICARE Supplement PremiumsEmployee only $31.15 $31.15 $0Employee + spouse $61.15 $61.15 $0Employee + child(ren) $61.15 $61.15 $0Employee + family $82.38 $82.38 $0

Dental PremiumsLow Employee only $4.68 $4.68 $0Low Employee + 1 $9.53 $9.53 $0Low Employee + 2 or more $17.42 $17.42 $0

Middle Employee only $8.14 $8.14 $0Middle Employee + 1 $16.87 $16.87 $0Middle Employee + 2 or more $31.72 $31.72 $0

High Employee only $13.26 $13.26 $0High Employee +1 $27.01 $27.01 $0High Employee + 2 or more $49.08 $49.08 $0

Vision PremiumsEmployee only $2.34 $2.34 $0Employee + 1 $4.69 $4.69 $0Employee + 2 or more $6.89 $6.89 $0

2014 Wellness for Life

All Premiums are Bi-Weekly

Plan Premiums


Plan Type and Coverage Level Premium Employee Contribution

County Contribution

Employee Additional Life/AD&D and Spouse Life/AD&D Premiums*(Per $10,000 of coverage)

Age as of 1/1/2014:Under 30 $0.42 $0.42 $030-34 $0.51 $0.51 $035-39 $0.78 $0.78 $040-44 $1.20 $1.20 $045-49 $1.71 $1.71 $050-54 $2.54 $2.54 $055-59 $2.91 $2.91 $060-64 $3.65 $3.65 $065-69** $7.20 $7.20 $070 & up** $14.31 $14.31 $0* AD&D premiums are included with Additional Life and Spouse Life premiums**Age reductions apply

Child Life Insurance Premiums

$5,000 per eligible child $0.16 $0.16 $0$10,000 per eligible child $0.32 $0.32 $0Employee contribution includes all eligible children

Short-Term Disability Premiums

120 calendar day waiting period $0.042 $0.042 $090 calendar day waiting period $0.060 $0.060 $060 calendar day waiting period $0.106 $0.106 $030 calendar day waiting period $0.139 $0.139 $015 calendar day waiting period $0.162 $0.162 $0

2014 Wellness for Life Plan Premiums

All Premiums are Bi-Weekly

Formula for calculating Short-Term Disability bi-weekly premium:

1. Divide your gross annual salary by 52 (this gives you your weekly gross salary).2. Multiply your gross weekly salary by 60%.3. Divide that number by 10.4. Multiply that number by the rate shown above for the STD waiting period you selected to get your bi-weekly premium.


Convention Center - 407-685-57999899 International Drive, Room S212Employee Services Office

• Each day of Open Enrollment: 9:00 am to 4:00 pm

Appointments are preferred.

Parks and Recreation - 407-836-6200 Barnett Park, 4801 W. Colonial Dr., 1st Floor, Art Room

• 10/11: 7:30 am to Noon• 10/18: 1:30 pm to 6:00 pm• 10/25: 7:30 am to Noon

Corrections - 407-836-34763723 Vision Road Horizon Building (Corrections staff only)

• 10/09 and 10/10: 8:00 am to Noon• 10/16 and 10/17: 3:30 pm to 8:00 pm

Cassidy Building

• Each day of Open Enrollment: 7:00 am to 5:00 pm

Public Works - 407-836-7741 4200 S. John Young Pkwy, 2nd Floor, Computer Room

• 10/08 & 10/10: 7:30 am to 11:00 am• 10/22 & 10/24: 7:30 am to 11:00 am

Family Services & Health Services407-836-9322 or 407-836-9368 2100 E. Michigan Street, HR 1st floor

• Each Day of Open Enrollment: 8:00 am to 4:00 pm

Solid Waste (Landfill) - 407-254-96525901 Young Pine Road, Room C/D/E

• 10/7: 7:30 am to 11:30 am• 10/14: 12:30 pm to 4:00 pm• 10/21: 7:30 am to 11:30 am

Fire Headquarters - 407-836-90056590 Amory Court, Room 110

• 10/07, 10/9, 10/11, 10/16, 10/17, 10/18/, 10/21, 10/23 and 10/25: 8:00 am to Noon• All other days 9:00 am to Noon

Utilities Administration - 407-254-9652 9150 Curry Ford Road, 2nd Floor Computer Lab


OC I (HR Building) - 407-836-5823 or 407-836-5968450 E South Street, 1st Floor

• 10/07: 1:00 pm to 4:00 pm• 10/11: 8:00 am to Noon• 10/15: 8:00 am to Noon• 10/23: 8:00 am to Noon• 10/25: 8:00 am to 4:30pm

Water Reclamation/Field Services/Water407-254-96524760 Sandlake Road, Maxlab 1 (Utilities staff only)


Orange County Administration Center407-836-5478 201 S. Rosalind Avenue, CEDS – HR Office 2nd Floor

• 10/8, 10/15, 10/16, 10/22 and 10/25: 9:00 am to 4:00 pm• Closed from Noon to 1:00 pm

Need Help Enrolling?

If you need help submitting your Open Enrollment elections on myOCinfo, find an assistance session near you. Unless otherwise specified below, assistance sessions are open to all County employees. Appointments are not necessary. If

you have questions or prefer a scheduled time, please contact your department HR Representative.


Dependent Life Child (Medical Underwriting Required)(Eligibility requirements for children through age 20)

q BCC Child Life

Coverage Level:

q Waive

Dependent Life Spouse (Medical Underwriting Required)

q BCC Spouse Life

Coverage Level:

q Waive

Short-Term Disability (Medical Underwriting Required)

Select one of the following options:

q BCC Short Term Disability 120 Day q Waive

q BCC Short Term Disability 90 Day




Flex Spending Health

q Medical FSA

Annual Pledge:

q Waive

q Limited Purpose FSA

Annual Pledge:

Flex Spending Dependent Careq Dependent Care FSA

Annual Pledge:

q Waive

Health Savings Account (Must open by 10/31/2013)

q HSA Employer Contribution Only

q HSA Employee & Employer Contribution Annual Contribution Amount: ____________

q Waive - You are enrolling in the HDHP and want to receive the County contribution in an FSA

Medical Plan (You must EDIT this benefit to affirm Tobacco Usage)

Select one of the following plans:

q High Deduct Health Plan B-T

q Low Deduct Health Plan B-T

Enroll Your Dependents:

q Waive

q Spouse DOB: SSN:

q Child DOB: SSN:

q Child DOB: SSN:

q Child DOB: SSN:

Dental PlanSelect one of the following plans:

q BCC Dental Low B-T q Waive

q BCC Dental Middle B-T

q BCC Dental High B-T


q Spouse DOB: SSN:

q Child DOB: SSN:

q Child DOB: SSN:

q Child DOB: SSN:

Vision Planq BCC Vision Care Plan B-T q Waive


q Spouse DOB: SSN:

q Child DOB: SSN:

q Child DOB: SSN:

q Child DOB: SSN:

Supplemental Life

q BCC Supplemental Life q Waive

Coverage Level:

Open Enrollment 2014Online Enrollment Worksheet

Complete this worksheet and use it when you enroll in your benefits using myOCinfo. IMPORTANT INFORMATION:• Open Enrollment begins on Monday, October 7, 2013, and ends on Friday, October 25, 2013• You must submit your elections online to avoid the Tobacco User Surcharge, receive the Opt-Out Credit, receive the Employer contribution to the HDHP, or re-enroll in a Flexible Spending Account• Dependent dates of birth and Social Security Numbers are required• Proof of dependent eligibility must be submitted to HR by November 8, 2013

myOCinfo User ID: Password:

1 Review Your Current BenefitsTake a few minutes to review your current benefits and covered dependents on myOCinfo so you are better prepared to make any needed changes during Open Enrollment

2 Review the Open Enrollment ResourcesVisit www.ocfl.net and click on the Open Enrollment slider to review and download resources that will help you complete your 2014 benefits enrollment.

3 Attend a Benefits FairDo you have a question about a particular benefit? Who better to ask than the benefits vendors themselves? Attend a Benefits Fair and meet the providers! Fairs will be held at numerous locations throughout the County from 10/2/2013 through the 10/11/2013.

4 Complete the Online Enrollment WorksheetThe Online Enrollment Worksheet will help you to plan ahead and gather the information you will need to complete your enrollment online. The Worksheet is available in this handbook as well as online.

5 Attend an Enrollment Assistance SessionDo you need help completing your enrollment online? Attend an assistance session with HR and get hands-on help with making your 2014 benefits elections online. Refer to the list of assistance sessions in this handbook or contact your HR representative for a location near you.

6 Log in to myOCinfo To enroll in your benefits, you must first log in to myOCinfo. This is the same system that you use to view and print your paystubs, apply for County jobs, etc. Use your normal user ID and password to log in. You can launch myOCinfo directly from the homepage of the Orange County website or from the CountyLine Intranet.

7 Receive the HDHP County Contribution ($750/$1,250)If you elect the High Deductible Health Plan, you will receive a contribution from the County. To receive the County contribution, you must verify HSA eligibility and elect either the HSA or FSA deposit on myOCinfo between 10/7/2013 and 10/25/2013.

8 Submit Your ElectionsYou must click the Submit button to send your final enrollment choices and receive the County contribution or Opt-Out Credit, and to avoid the Tobacco User Surcharge.

9 Review and Print Your Enrollment Elections SummaryAfter submitting your elections on myOCinfo, be sure to print your Enrollment Elections Summary page. Review it to make sure you didn’t make any mistakes and keep it in a safe place with all of your other important records. No corrections or changes will be made once Open Enrollment ends on 10/25/2013.

10 Open a Health Savings Account Do you need to open an HSA? A link through Cigna’s website to the JP Morgan Chase website is available on the Open Enrollment page of the County internet. Open your HSA no later than 10/31/2013.

11 Submit Proof of Dependent EligibilityAre you adding dependents who were not previously covered or making changes to a dependent’s name, birth date or relationship? Submit proof of their eligibility to HR by 11/8/2013.

2014 Mandatory Open EnrollmentWhat Do You Need to Do?

welcome to open enrollment 2014 - orange county, florida

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