Floyd County Schools and Garner Glover Company present

Floyd County Schools and Garner & Glover Company present Open Enrollment 2021

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

2021 Open Enrollment October 21 - November 5 • Now is the time to make changes to take effect January 1, 2021!!! • Mandatory enrollment for both State Health & Local Benefits • Passwords need to be updated for State Health Benefit System and Benefit Connector • Both sites can be found on the Floyd BOE website. – State Health (Medical Benefits) • Floydboe. net, Departments, Human Resources, Benefit Links, (SHBP) State Health Website – Benefit Connector (Local Benefits) • Floydboe. net, Departments, Human Resources, Benefit Connector/New Hire Insurance

2021 Open Enrollment October 21 - November 5 • Medical What’s Changing? – Premium increase – Prescription drug changes • Additional classes for diabetes medications will be added to co-pay/co-insurance waiver program • Insulin down-tiering co-pays/co-insurance • Local Benefits – Dental premium increase – Accident, Critical Illness & Whole life plans moving to a new carrier • All employees enrolled in these products will be asked to meet with an on site benefit counselor to discuss changes • FSA – YOU MUST REENROLL IN FSA TO CARRY BENEFITS IN 2021. • Effective 1/1/2020, FSA became a use it or lose it benefit. If funds are not used by 12/31/2020, any remaining in your account will be forfeited.

Health Coverage • No Plan Changes • Any changes must be elected through State Health Benefit Site – www. myshbpga. adp. com • 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

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.

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

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.

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 • 20% 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

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

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%

2021 Medical Premiums You + Child (ren) You + Spouse You + Family Anthem Gold $175. 68 $320. 11 $436. 33 $580. 76 Anthem Silver $114. 32 $215. 80 $307. 47 $408. 95 Anthem Bronze $76. 58 $151. 80 $228. 22 $303. 28 Anthem HMO $143. 03 $264. 61 $367. 76 $489. 34 UHC HMO $174. 49 $318. 09 $433. 83 $577. 43 UHC HDHP $61. 83 $126. 57 $197. 24 $261. 98 Kaiser HMO $154. 13 $283. 60 $391. 49 $520. 96

2021 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 20 – 480 wellbeing incentive credit to apply toward eligible medical or pharmacy expense • All health actions must be completed and documentation received by Sharecare between January 1, 2021 - November 30, 2021. More details can be found at www. bewellshbp. com or calling 888 -616 -6411

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

Dental Premiums 2021 Employee Only $35. 78 Employee Spouse $86. 58 Employee Child $92. 78 Employee Family $134. 84

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 • $120 allowance

Vision Premiums Vision Rates 2021 Employee Only $5. 98 Employee Spouse $11. 99 Employee Child $11. 31 Employee Family $15. 12

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

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

Voluntary Life Accident Death & Dismemberment Insurance • Employee Coverage – Increments of $10, 000 – Previously enrolled benefit can be increased to $100, 000 with no health questions – Maximum value $500, 000 or 5 x your annual earnings • Spouse Coverage – Increments of $5, 000 – Previously enrolled benefit can be increased to $25, 000 with no health questions – Maximum value of $150, 000 • Child Coverage – $5, 000 or $10, 000 • *employee and spouse coverage reduces to 50% after 70 th birthday

Flexible Spending Account • Infinisource is now ISolved Benefit Services • Make sure all 2020 claims are turned in by March 31, 2021 • Contribution Amounts for 2021: – Healthcare Flexible Spending • Maximum contribution $2, 750 per year (pending IRS regulations) – Dependent Care Account • Maximum contribution $5, 000 per year • Effective 1/1/2020, FSA will become a use it or lose it benefit. If funds are not used by the end of 2020, any remaining funds in your account will be forfeited. $3. 25 monthly fee will apply

Critical Illness- Financial Protection What is it? • Critical Illness Insurance pays benefits to help manage the financial impact of a serious illness or event, like cancer or a heart attack. Salary - $40 K Expenses $30 K mortgage utilities groceries child care other Heart attack occurs Requires surgery and disability leave for several months Why do employees need it? • This coverage helps reduce the financial and emotional burden that accompanies the diagnosis of a serious illness. Additional expenses due to critical illness - $15 K How does it work? • The employee receives a lump-sum payment based on their chosen coverage amount, once they’re diagnosed and file a claim Critical illness insurance coverage can help bridge the gap Expenses - $30 K Disability benefits $24 K Disability benefits $20, 000 of coverage can go a long way to help cover the gap left by disability and meet the additional expense needs

Critical Illness-Unum • Lump Sum benefit paid upon diagnosis of covered illness or condition Covered Conditions include: Heart Attack, Stroke, Cancer, Coronary artery disease (50%), Major organ failure Additional Progressive Illnesses: (Covered at 100%) ALS, Dementia, Alzheimer’s, functional Loss, Multiple Sclerosis, Parkinson’s, etc • You choose the amount of coverage you want: – • Child coverage to age 26 - Additional covered child illnesses: Cerebral Palsy, Cleft Lip/ Palate, Cystic Fibrosis, Down Syndrome, Spina Bifida – • $10, 000, $20, 000 or $30, 000: No Health Questions Children automatically covered at 50% of the Employee amount at no cost Wellness Benefit: (1 covered screening per calendar year, per covered individual) – $10, 000 of Coverage- $50 Wellness – $20, 000 of Coverage- $75 Wellness – $30, 000 of Coverage- $100 Wellness

Accident- Financial Protection What is it? • Accident Insurance pays benefits to help manage the financial impact of an accident, whether it’s a minor fall or something catastrophic. John likes trail running. One day, he trips over a root, breaking his foot. Why do employees need it? • This coverage helps reduce the financial burden of an accident for things like co-pays, deductibles, or other out of pocket expenses. John visits his urgent care facility, where he receives x-rays, crutches, and a prescription for pain medicine. How does it work? • The employee receives a predefined benefit based on a schedule. • Amounts vary based on type of injury, treatment received, or follow up care required. After John is all healed, he’s back on the run with benefits from his accident insurance.

Group Accident –Unum • Off the Job Accident coverage • 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

Universal Life –Trustmark Universal Life is two-in-one security. It combines permanent life insurance with benefits that can help with the high costs of long-term care services. It helps protect your family from the financial impact of losing a loved one or needing extended care. You select a benefit amount that works for you, and you “lock in” a rate that is designed to last a lifetime and doesn’t increase due to age. • Guaranteed Issue-no health questions up to $100, 000 for employees 18 -64 • Spouses, children and grandchildren may be covered • Fully portable-keep your coverage at same rate & benefit if you change jobs or retire

What now? • It is mandatory that you login to the benefit systems to verify your benefits. • One on one Benefit Counselors will be onsite at each location for appointments for those that need additional support • Those members currently enrolled in Accident, Critical illness, or Whole life will be required to meet with a Benefits Counselor to discuss your options. • Enroll in State Health Coverage: • www. myshbpga. adp. com • Enroll in other coverages: • https: //Floydcountyschools. benefitconnector. com • Links will be under the Open Enrollment section of the FCBOE homepage

Additional Questions? • There are multiple ways to have your questions answered – Email: openenrollment@floydboe. net – Contact a Garner & Glover team member at 706 -291 -7380 • Laura Brady- lbrady@garnerandglover. com • Sophia Veser- sveser@garnerandglover. com • Bonita Hannah (retirees)- bhannah@garnerandglover. com