Annual Enrollment for Plan Year 2013

1. Annual Enrollment forPlan Year 2013

2. 2013 Annual Enrollment Dates: • Tuesday, October 9th* - Friday, November 9th * Opens at 1:00 a.m. EST

3. Plan Changes for AE 2013

4. Plan Design/Premium Changes for AE 2013 • Dental Plans – Delta Dental • New! Effective January 1, 2013, Delta Dental will be replacing United Concordia as the State of Georgia’s dental provider • Delta Dental will offer two coverage options to choose from: • Select Plan • Select Plus Plan • The four family tier levels will remain the same • Premium rates will remain locked through PY 2015

5. Plan Design/Premium Changes for AE 2013 • Dental Plans – Delta Dental • Transition from United Concordia to Delta Dental: • Employees currently with U.C. Regular will be transferred to Delta Dental Select Plus Plan • Employees currently with U.C. PPO will be transferred to Delta Dental Select Plan • Employees will have the option during Annual Enrollment to change from one plan to another

6. Plan Design/Premium Changes for AE 2013 • Dental Plans – Delta Dental • No orthodontia benefits under the Select Plan • Orthodontia benefit is available for children and adults under the Select Plus Plan • Participants currently receiving orthodontia treatment will be eligible for the balance of the maximum coverage amount

7. Plan Design/Premium Changes for AE 2013 • Delta Dental Network • Participants are free to choose any licensed dentist • Approx. 6,400 dentist locations in Georgia • Network dentists agree to set fees based on Delta Dental’s allowances and cannot balance bill • Delta Dental pays participating dentists directly; participant pays their responsible amount at time of treatment • Network dentists complete all claim forms/paperwork • Network dentists are credentialed

8. Delta Dental Comparison Chart * Premier Dentists are defined as secondary PPO (in network) dentists. Premier Dentists usually charge somewhat higher contracted fees.

9. Delta Dental (Payment Example) * Premier Dentists are defined as secondary PPO (in network) dentists. Premier Dentists usually charge somewhat higher contracted fees.

10. Dental (Select Plan) • Premium Rates • Select Plan • You Only $24.08 • You + Spouse $46.65 • You + Child $48.89 • You + Family $68.40 Admin fee is included in amount

11. Dental (Select Plus Plan) • Premium Rates • Select Plus Plan • You Only $38.45 • You + Spouse $75.01 • You + Child $78.66 • You + Family $110.27 Admin fee is included in amount

12. Plan Design/Premium Changes for AE 2013 • Employee, Spouse, Child Life and AD&D Plans – Minnesota Life • Increase the Employee Life and AD&D maximum coverage from $500,000 to $1 million • Employees capped at $500k can increase coverage to the uncapped amount on a guarantee issue basis • Waiver of premium for permanent/total disability will be removed from the plans • Reduces the premiums by an average of 13% • Current participants on active waivers will continue

13. Plan Design/Premium Changes for AE 2013 • Disability Plans – The Standard • No change in plan design or premiums for the Short Term Disability • Rate decrease of 5% for LTD premiums • LTD maximum benefit will increase from $4,000 to $5,000 per month • Maximum benefit period will increase from age 65 to age 67 • Coordinate with Social Security Normal Retirement Age • No change on current employee claims; only claims initiated on or after January 1, 2013

14. Plan Design/Premium Changes for AE 2013 • Critical Illness Plan – CAIC • No changes to premiums for the current option • Name change of the current option – Select Plan • New! Additional option level – Select Plus Plan • Provides same critical illness coverage under the Select Plan • Includes Accidental Coverage • These changes are applicable to both the Employee and Spouse Specified Illness benefits • Additional features of the Accident Coverage • 24-Hour coverage • No limit on the number of claims

15. Plan Design/Premium Changes for AE 2013 • Critical Illness Plan – CAIC • Benefits included under the Accident Coverage (Select Plus Plan) • Medical Fees (Physician Charges, X-Rays, Emergency Room Services and Supplies) • Hospital Fees (Hospital Admission, Daily Hospital Confinement and Intensive Care) • Accidental Injuries (Fractures/Dislocations, Lacerations, Tendons/Ligaments, Ruptured Disk, Torn Knee Cartilage, Burns, Eye Injuries) • Accident Follow-up Benefits (Physical Therapy, In-patient Rehab, Follow-up treatments) • Additional Benefits (Family Lodging, Transportation, Gunshot Wound, Paralysis, Prosthesis) • A complete list of benefits and descriptions will be available in the Critical Illness Select Plus communication materials

16. Rate Sheet for Employee Specified Illness (Select Plus Plan) Admin fee is included in amount

17. Rate Sheet for Spouse Specified Illness (Select Plus Plan) Admin fee is included in amount

18. Plan Design/Premium Changes for AE 2013 • Spending Accounts – SHPS/ADP • SHPS has become a part of ADP • ADP branding on future HCSA and DCSA materials • The customer service phone number, fax number, and mailing address will remain the same • The current URLs will remain active and any changes will be communicated well in advance

19. Plan Design/Premium Changes for AE 2013 • Spending Accounts – SHPS/ADP • No increase in admin fees with current plan design • HCSA annual maximum will reduce from $5,040 to $2,460 • Monthly maximum will be $205 • Compliance with Patient Protection and Affordable Care Act (PPACA) • Note: a monthly administration fee of $3.20 is included in the total contribution amount • Employees who contributed a larger amount in 2012 will be reduced to the new HCSA maximum for 2013

20. Plan Design/Premium Changes for AE 2013 • Vision – Spectera • Branding name will change from OptumHealth to Spectera • Select Plus Plan will have the following enhancements: • Frequency of frames will change to once every 12 months • Frame allowance of $150 is provided for private practice or retail chain providers • Standard contact lenses will have a $200 allowance • Allow up to 8 boxes of standard, disposable lenses • Out-of-network allowance for contact lenses will increase to $200 under the Select Plus Plan

21. Plan Design/Premium Changes for AE 2013 • Vision – Spectera • New premium rate structure for the Select Plus Plan • You Only $8.62 • You + Spouse $18.61 • You + Child $19.45 • You + Family $26.35 Admin fee is included in amount

22. Plan Design/Premium Changes for AE 2013 • No Plan or Premium Changes • Dental DHMO - Cigna • Legal • Long Term Care

23. GaBreeze Annual Enrollment Communications & Website Reminder

24. Annual Enrollment Communications by GaBreeze

25. GaBreeze Website Reminder for AE 2013 • GaBreeze Confirmation Number • Employees will receive a Confirmation Number upon successful completion of their online Annual Enrollment on the completed successfully page on the GaBreeze Website • Additional changes will be permitted online during the remainder of the Annual Enrollment period. • Employees will retain the same Confirmation Number • Date/Time Stamp will update to reflect the most recent completion • Employees should print a copy of the Confirmation Number page for their records

26. Annual Enrollment Reminders

27. Reminders for AE 2013 • Annual Enrollment Materials from DOAS • You Decide! Booklet • Benefits At-a-Glance Brochure • What’s New for 2013? • NOTE: Annual Enrollment materials will be posted online by Monday, October 1st • Materials will be available on the GaBreeze and Team Georgia web sites

28. Reminders for AE 2013 • Annual Benefit Base Rate (ABBR) for PY 2013 • ABBR Salary entry deadlines • Dekalb and Clayton BOE should submit to GaBreeze by Friday, September 21st • Manual agencies should update on the GaBreeze ERWS site by Friday, September 21st • SAO agencies should submit to GaBreeze by Wednesday, October 3rd

29. Reminders for AE 2013 • Annual Benefit Base Rate (ABBR) for PY 2013 • Manual agencies will be required to enter ABBR salary updates into the GaBreeze ERWS site • Use the “Employee Data Update” Smart Form • Enter the updated ABBR salary amount; click “Submit” when finished • Note: if an employee’s salary did not change, no ABBR update is required • If an employee’s ABBR salary changes after September 21st, • Use “Frozen Annual Benefit Salary Correction” Smart Form • For additional questions, contact HRA assist team

30. Reminders for AE 2013 • Annual Benefit Base Rate (ABBR) for PY 2013 • Job aid is available to assist agencies with entering ABBR updates on the DOAS web site: doas.ga.gov • Deadline to complete is Friday, September 21st

31. Reminders for AE 2013 • GaBreeze Website (Pre-Annual Enrollment) • Employees should be encouraged to go online as soon as possible to verify and/or update their passwords • Employees should add their email address to the Personal Information section of the “Your Profile” page • Email address can be either work or personal • Quickens GaBreeze response time for replacement passwords to be issued • Employees should verify accuracy of addresses, zip codes, etc. • Gabreeze will provide a reminder for employees to enroll in Health Benefits • Link to the DCH Annual Enrollment site will be on GaBreeze

32. Reminders for AE 2013 • New Hires During Annual Enrollment • Employees, who are hired by November 1, 2012, will be required to enroll in Flexible Benefits for both Plan Year 2012 and 2013 • Current Plan Year for benefits effective December 1st • New Plan Year for benefits effective January 1st • If the employee fails to enroll for Annual Enrollment, no benefits will carry over for Plan Year 2013 • Pending Enrollment Report on ERWS will assist agencies • New hires who have not completed Annual Enrollment • Report will be produced daily during the Annual Enrollment period

33. Reminders for AE 2013 • Employees returning from Leave of Absence • Employees, who go on a Leave of Absence and cross Plan Years, will be given an enrollment opportunity upon return to Active status • If the employee paid premiums while on LOA, benefits will rollover into the new Plan Year • If the employee makes no changes during the enrollment period, the benefits will continue for the remainder of the Plan Year • If the employee failed to pay, no coverage will show on GaBreeze. Employee will be given an enrollment opportunity subject to penalties • HR should verify the returning employee paid premiums during the LOA • “View Flex Plan Coverage History” via the Employer Web Site • If employee failed to pay premiums, do not reinstate deductions • If employee makes benefit selections upon return, Gabreeze will report new deductions via the Financial Report

34. Support Avenues (Employees/Participants) Benefits Call Center 1-877-3GBreez or 1-877-342-7339 Monday – Friday, 8:00 am – 5:00 pm ET excluding holidays GaBreeze Website www.gabreeze.ga.gov Link on Team Georgia Flexible Benefits tab

35. Support Avenues (Agency Contacts) • Barbara Heard • 404 651-6084 or barbara.heard@doas.ga.gov • Chris Barfield • 404 463-2274 or chris.barfield@doas.ga.gov • Valencia Timmons • 404 651-6080 or valencia.timmons@doas.ga.gov • Patricia Applewhite • 404 463-3589 or patricia.applewhite@doas.ga.gov

36. Final Questions and Follow-ups