Floyd County Schools and Garner Glover Company present

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

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

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

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

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 • Premium decrease • Short Term Disability • Moving to Unum • Simplified options with flat benefit percentage • Long Term Disability • Moving to Unum • Flat benefit percentage options

Health Coverage- NO Changes • 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 • 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

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%

Medical Premiums 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

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 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 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

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 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

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 – $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 70 th birthday

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

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

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

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 866 -901 -8246

What now? • 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

Benefit Connector Registration

Benefit Connector Registration

On site Visits: A member of the Garner & Glover team will be onsite to help with enrollment questions 10: 00 am-2: 00 pm Monday, October 22 Tuesday, October 23 Wednesday October 24 Cave Spring Elementary Coosa High Johnson Elementary Garden Lakes Model High Pepperell High Alto Park Model Elementary Pepperell Primary Coosa Middle Model Middle Pepperell Middle Thursday, October 25 Friday, October 26 Pepperell Elementary Glenwood Primary Mc. Henry Primary Armuchee Elementary Armuchee High Central Office / Transportation 8: 30 am-3: 00 pm Armuchee Middle College & Career Academy

Additional Questions? • There are multiple ways to have your questions answered – Contact your Garner & Glover team member at 706 -291 -7380 Laura Newton lnewton@garnerandglover. com Julia Chambers jchambers@garnerandglover. com Central Office Armuchee School District Coosa School District College & Career Academy/Transitional School Pepperell School District Model School District Transportation – Email: openenrollment@floydboe. net