EMPLOYEE BENEFITS Brevard County Board of County Commissioners

1. EMPLOYEE BENEFITSBrevard CountyBoard of County Commissioners Effective January 1, 2008

2. Your Employee Benefits Staff • Insurance Director • Jerry Visco • Employee Benefits Manager • Cathy Jaskiewicz • Benefits Specialists: • Rita Chrzaszcz, Employee Benefits • Sam Bailes, Employee Benefits • Kathy Patterson, HR Benefits • Health & Wellness Officer • Glory Bennette, RN 321-633-2103

3. 2008 ANNUAL ENROLLMENT On-line Enrollment Starts 10/15 and Ends 10/26 www.enrollment.com October 2007

4. 2008 PLAN HIGHLIGHTS • 9.5% Rate Increase for Medical; No Plan Design Changes • Tricare Supplement No Longer Offered • American Pioneer Medicare HMO No Longer Offered • Delta Dental New Dental Provider

5. “CAMPUS” ON-LINE ENROLLMENT • How Does The Process Work? • If you wish to make changes to your current benefits, you must use the CAMPUS on-line enrollment system before October 26, 2007 www.enrollment.com User ID: “brevard” followed by your social security number Example: brevard987654321 Password: Your password will be the first letter of the first name + the first letter of your last name (your initials) + your date of birth (mmddyy) Example: Jane Doe, January 1, 1957 would be jd010157 • Don’t Have a Computer? • Computers with Internet access are in all County libraries and in the Employee Benefits/HR Office at the Viera Government Center (Bldg B, 2nd Floor). • Not Up On The Latest Technology? • Department Staff and/or Employee Benefits will be available to assist you in the enrollment process Monday through Friday from 8am to 5pm.

6. WWW.ENROLLMENT.COM • NOTE: Immediately after you log on for the first time, you will be required to create a new password. • It must be four or more characters (letters and/or numbers only, no spaces)

7. WWW.ENROLLMENT.COM Click here to learn more about your benefits. Click here when you are ready to begin.

8. WWW.ENROLLMENT.COM

9. SCHEDULE OF BENEFITS *Out of Network is paid at the percentage of “reasonable and customary” charges. **Requires prior authorization This is a summary of benefits only; refer to the Summary Plan Description for details, limitations and exclusions.

10. HEALTH PLAN OPTIONS OPEN ACCESS PLANS; no referrals required for specialist visits (in-network)

11. RETIREE HEALTH PLANS PREMIUMS

12. RETIREE HEALTH PLANS PREMIUMS

13. MEDICARE PART D • Important Notice About Your Prescription Drug Coverage and Medicare • Medicare Part D became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug coverage. • Brevard County Government has determined that the prescription drug coverage offered by the County is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage will pay and is considered Creditable Coverage.

14. MEDICARE PART D • Because of this, you can keep your coverage and not pay extra if you later decide to enroll in Medicare prescription drug coverage. • You can enroll in a Medicare prescription drug plan when you 1st become eligible for Medicare, and each year from 11/15 – 12/31* • You should compare your current coverage, including which drugs are covered, with the coverage & cost of the plans offering Medicare prescription drug coverage. • If you do decide to enroll in a Medicare prescription drug plan and drop your Brevard County Government prescription drug coverage, be aware that you and your dependents will not be able to get this coverage back.

15. PHARMACY CO-PAYMENTS • The Brevard County Government plan provides comprehensive prescription drug coverage through retail and mail order providers. The Brevard County Government prescription drug benefit will include a one-time $50 deductible, and then co-payments will be:

16. HOW TO CHOOSE A PLAN • Review Monthly Premium • Review Plan Design • BlueCare, CIGNA Basic EPO Plans are In-Network Only • BlueChoice and PPO Plans have Out-of-Network Option • Office Visit Co-pays • Co-insurance • Deductibles • Maximum Out-of-Pocket Cost • Extra Services (Healthy Rewards / Blue Compliments) • Review Networks • Parrish Hospital not in BCBSFL • Indian River Memorial Hospital not in BCBSFL HMO Plan • Find Your Physician(s) in the Network

17. FINDING YOUR PHYSICIAN • Access On-line Provider Directories • www.bcbsfl.com • BlueCare HMO • BlueChoice PPO • www.cigna.com Basic, EPO & PPO Plans all use the PPO Directory • Contact Your Physician’s Office • Contact BCBSFL or CIGNA

18. 2008 DENTAL PLANS New Dental Carrier - Delta Dental

19. HOW DO YOU CHOOSE A PLAN?

20. DELTACARE USA DHMO PLANS • DeltaCare USA Plans are Pre-Paid (DHMO Type) Plans • Member MUST Select a Dental Facility • Benefit Schedule Shows Exact Co-pay Provider Will Charge For Each Procedure Code • No Annual Maximum Benefit Limit • No Out-Of-Network Benefits

21. DELTACARE USA PLAN COMPARISONS

22. DELTA DENTAL LOW PPO PLAN • Maximum Allowable Charge (MAC) Plan • In-Network PPO Dentist Cannot Charge More Than Scheduled Amount • Members Are Not Required to Select a Dental Facility • You Receive the Best Benefit When You Use a Network Dentist • Limited Out-Of-Network Benefit w/ Delta Premiere and Out-of-Network Dentists • Annual Maximum is $1,000 per calendar year

23. DELTA DENTAL LOW PPO EXAMPLE Utilizing an In-Network Dentist: Utilizing an Out-of-Network Dentist:

24. DELTACARE USA/PPO COMPARISON

25. DELTA DENTAL HIGH PPO PLAN • Three Provider Options: In-Network, Premiere, Out-of-Network • In-Network PPO Providers Agree Not to Charge More Than Discounted Amount – No Balance Billing; dentists under contract • Premiere Network dentists not in PPO network but have agreed to a higher fee schedule • Out-of-Network Providers Charge Normal Fee and Balance Bill Member. Out-of-Network Provider Charges are Paid to 90th Percentile – 9 Out of Every 10 Dentists Won’t Charge More • Annual Maximum is $1,500 per calendar year

26. PPO PLAN COMPARISON

27. 2008 DENTAL RATES

28. HOW DO I CHOOSE A PLAN?

29. VOLUNTARY BENEFITS • Vision Care Plan – CompBenefits • Optional Voluntary Benefits – cancer, hospital intensive care, accident, disability protection, hospital indemnity and long term care policies (Aflac, Allstate)

30. WHAT’S NEXT? • Don’t wish to make any changes You need not do anything. Your 2007 benefits will roll over into 2008. Your dental plan will be mapped into the corresponding Delta plan below: • CompBenefits PPO to the High Option PPO • CS150 will be moved to DeltaCare USA High DHMO • C250 will be moved to DeltaCare USA Low DHMO plan • If you DO wish to elect a benefit different than the roll over option, you will need to go online to make your selection.

31. HEALTH & WELLNESS • WINBrevard website www.winbrevard.com • Provider links • Wellness Events – health fairs, education series, weight management, flue shots, biometric screenings, fitness discounts • Wellness Learning Center • Health Risk Assessment • Annual Senior Health Expo • First Annual Senior Health Fair – November 9th!

32. POINTS TO REMEMBER • 9.5% Increase In Medical Premiums • New Dental Plans • Tricare Supplement No Longer Available • Open Enrollment Ends at midnight (11:59 p.m.) on October 26th. ENROLL EARLY!!!!

33. Who Knew Eating Right Was So Easy! REMEMBER: Eating right doesn't have to be complicated, just think in colors... fill your plate with bright greens, yellows, reds, etc. You’ll feel better immediately.