Annual Open Enrollment for benefits effective on January 1, 2013

1. Annual Open Enrollmentfor benefits effective on January 1, 2013

2. Open Enrollment datesOctober 22, 2012throughNovember 1, 2012

3. HEALTH CARE REFORM 2013 • The Maximum Contribution to medical Flexible Spending Account (FSA) is now $2,500 • Employees will receive a new Summary of Benefits and Coverage (SBC) • The amount of money Brevard Public Schools contributes to your medical plan premiums will now be listed on your end of year W-2 for calendar year 2012

4. Preventive Care Services • Based on age and gender • List provided on benefits website “Understanding Your Preventive Health Coverage” • Annual Physicals, Well-woman exams, Mammograms, Immunizations, and PSA screenings • Provided at NO COST to you at In-network providers • Early Detection + Treatment = A Healthier Life!

5. BPS Preferred Health Centers Helping to keep you covered AND for a $15 Copay!

6. Titusville • Royal Oaks Medical Center, Knox McRae Dr. • Port St. John • Royal Oaks Medical Center, U.S. 1 • MedFast Urgent Care Center, Port St. John Parkway near I-95 • Rockledge • Sinai Walk-in Clinic, U.S. 1 south of Barton Blvd. • Cocoa Beach • MedFast Urgent Care Center, 520 Causeway at A1A • Indialantic • Surfside Urgent Care, 325 5th Avenue, Suite 204 • Melbourne • Dairy Road Urgent Care, At U.S. 192 • MedFast Urgent Care Center, N. Wickham near Baytree Dr. • MIMA Now Acute Care, Gateway Dr. at NASA Blvd. • Palm Bay/Malabar • 4Care Walk-In Clinic, Malabar Rd. SE near Eldron Blvd. • MedFast Urgent Care Center, 490 Centre Lake Dr., Suite 200 • MIMA Now Acute Care, 730 Malabar Road • Palm Bay Urgent Care, Malabar Rd. near I-95

7. BPS Preferred Health Centers • High-quality staff • Lab work • Basic imaging services • Coordination with PCP • Evening & weekend hours All for a $15 copay!

8. Urgent Care vs. Emergency Room Urgent Care • Minor burns or injuries • Sprains and strains • Colds and sore throats • Fever or flu symptoms • Ear infections • Rash or skin irritations • Mild asthma • Animal bites Emergency Room • Chest Pain • Difficulty breathing • Severe bleeding • Head trauma • Loss of consciousness • Sudden loss of vision • Blurred vision

9. Where you get treatment matters - Always utilize In-network Providers, Quest and LabCorp for Routine Lab services • $0 Copay • Saves you and the BPS Health Plan money - Costs of treatment varies based on where the service is rendered • MRI at an Outpatient Imaging Center can be up to half the cost for the same procedure at a Hospital. • 20% of $500 = $100 vs. 20% of $1,000 = $200

10. Save Money on Prescriptions • Utilize Generic meds • Utilize Preferred Brands when a Generic is not available • Cigna Home Delivery: 90-day supply for 2 copays • $4 Medication Lists • Free Antibiotics at Publix • Visitwww.MyCigna.com

11. BPS PHARMACY COVERAGE Step Therapy Program • Lower cost prescriptions • Coordinates with your doctor • Based on only 14 categories • of non-preferred drugs • Details on the web at • www.cigna.com

12. BPS Employee Benefits: We’ve Got You Covered! • Your benefits are not changing: • Dental Plan • No changes • Vision Plan • No changes • Life & AD&D • No changes • STD & LTD • No changes Benefits website: http://benefits.brevardschools.org/benefits

13. DELTACARE DHMO PLANS

14. DELTA DENTAL PPO PLANS

15. SPOUSAL SURCHARGEFOR MEDICAL COVERAGE ONLY Will NOT apply IFyour spouse: Is not employed Works for an employer who does not offer medical insurance Is an employee of Brevard Public Schools Is eligible for a government-sponsored plan, such as Medicare Elects coverage through own employer and chooses to enroll in the BPS Health Plan as secondary

16. SPOUSAL SURCHARGE Even if you have PREVIOUSLY completed an Affidavit, you are required to update it while making your benefits selections in enrolling again this year. If you are enrolling a spouse you MUST complete an OriginalAffidavit each year. If the surcharge does not apply to your situation, it will be removed IF the Benefits Department receives your completed OriginalAffidavit Affidavit is available on enrollment website An ORIGINAL affidavit MUSTbe returned to Benefits by November 15, 2012

17. When Does a Dependent Child’s Coverage Terminate? Federal Health Care Reform requires all Group Health Plans to extend the maximum age for dependent children to the DAY the dependent child turns 26 years of age. Florida Statute provides a qualified dependent child coverage until the END OF THE CALENDAR YEAR in which dependent child turns 30 years of age. If your dependent child is between the ages of 26 and 30 and qualifies for coverage, you must complete the Dependent Age 26 - 30 Affidavit to receive coverage.

18. YOUR MEDICAL FLEXIBLESPENDING ACCOUNT A good way to pay eligible expenses with TAX FREE dollars Must enroll in a new FSA for the 2013 plan year Can elect up to $2,500 (Lowered from previous max of $5,000 due to Health Care Reform) Full amount elected available on January 1, 2013 Must incur expenses by March 15, 2014 Use it or lose it! Any unused monies are forfeited

19. Dependent Care FSA You can set aside pre-tax amounts up to $5,000/$2,500 annually for dependent care expenses which are incurred to enable you and your spouse, if applicable, to work • Account is not pre-funded. • Only use the amount that has • been funded through your • payroll deductions. • You will lose what you don’t • use.

20. Enrollment Is Not MandatoryThis Year! • You can keep most of your current benefits without doing a thing! • The 4 Exceptions: • Spouse Medical Affidavit • Dependent Affidavit • Medical FSA • Dependent Care FSA

21. SAMPLE ENROLLMENT SCREEN

22. Information on ALL plans and any changes is available on the District Website We want you to be engaged in your health and well informed about your employee benefits! Visit: http://benefits.brevardschools.org/benefits or e-mail your questions to:benefits@brevardschools.org