FAU –HR/Benefits

1. FAU Human ResourcesOPS / Adjunct Employee State Group Insurance Benefits OrientationOPS BENEFITS ORIENTATION WEB2014 plan year FAU –HR/Benefits

2. Agenda • Part One: Introduction • Federal and State healthcare reform laws • Part Two: Eligibility • Part Three: Benefit Coverage Options • Part Four: Enrollment • How to Enroll • Enrollment Dates • Contact People First FAU – HR/Benefits

3. Part One: Introduction FAU – HR/Benefits

4. As an OPS employee, you may be eligible for healthcare under Florida State Law • In compliance with the federal Affordable Care Act (ACA) legislation Florida Senate Bill 1802 was passed in May 2013 to amend current state law and extend benefits offered through the State Group Insurance to eligible OPS and Adjunct employees that meet defined measurement criteria effective January 1, 2014. FAU-HR/Benefits

5. People First People First is the plan administrator for State of Florida State Group Insurance Plan Responsible for the following: • Determining Eligibility • Benefit Enrollments • Qualifying Status Changes • Open Enrollment • COBRA FAU-HR/Benefits

6. Part Two: Eligibility FAU-HR/Benefits

7. Am I Eligible? People First determines eligibility based on provisions set forth in the federal Affordable Care Act legislation and Florida state law. OPS and Adjunct Employees are eligible for coverage through the State Group Insurance beginning January 1, 2014 if they meet the following criteria: • Hired to work 30 hours or more per week (or) • Worked an average of 30 hours or more per week for a defined measurement period *Hours worked with another state agency that participates in the State Group Insurance Program concurrently with FAU employment are combined with hours worked at FAU to determine eligibility. * Adjunct Faculty hours are calculated at 9 hours for each 3 credit hour course taught. FAU-HR/Benefits

8. Eligibility Measurement Period People First determines eligibility based on hours worked reported for defined measurement periods determined by the state. Initial Measurement Period (IMP) April 1 – October 2, 2013 • Six month measurement period determines eligibility for 2014 plan year • Ineligible OPS employees will continue to be measured during the next measurement period (refer to Open Enrollment Measurement Period) • Open Enrollment Measurement • Period (OEMP) • October 3, 20YY through October 2, 20YY • Annual one-year measurement period determines eligibility for next plan year • For example, the current OEMP began 10/3/13 and extends through 10/2/14 and will determine eligibility for 2015 plan year with coverage beginning January 1, 2015 • New Hire Measurement • Period (NHMP) • Begins 1st of month following hire date for employees hired to work less than 30 hours per week • For example, NHMP begins 10/1/13 for employee hired to begin work on 9/7/13 • Extends for 12 months and eligibility is determined at the end of the period • If an OPS employee is determined to be eligible at the end of NHMP a qualifying event window will open allowing the employee 60 days to enroll in benefits FAU-HR/Benefits

9. Notification of Eligibility People First will send eligible OPS employees an enrollment packet containing detailed information • Confirming eligibility • Information on benefit options • Enrollment process • Enrollment deadlines • You must keep your mailing address updated by emailing HRES@fau.edu(and include your Z#). • OPS employees with an assigned People First ID# may also logon or contact People First if you wish to have a mailing address different from home address. FAU-HR/Benefits

10. Part Three: Benefit Coverage Options FAU- HR/Benefits

11. State Group Insurance Benefit OptionsEligible OPS employees have access to the following pretax benefits offered by the State Group Insurance • Health • Basic Life • Dental • Vision • Hospitalization • Cancer • Accident • Disability • Dependent Care Flexible Spending Account • Health Savings Account • OPS employees are not eligible for Optional Life and Medical Reimbursement Accounts Enrollment in state benefits must be made through People First FAU-HR/Benefits

12. Health Insurance Options Types of Health Insurance: • PPO – Florida Blue (Blue Cross Blue Shield) • HMO- AvMed (FL counties only) - Coventry (FL counties only) Plan Options: • Standard • Low deductible – none with HMO option • You generally pay set dollar amount for services you receive (varies by service). • Monthly premiums paid for coverage • Health Investor Health Plan (HIHP) • Higher deductible (in network: $1,250 per person, $2,500 per family) • You meet deductible, then pay part of the cost for services you receive • Lower monthly premiums paid for coverage • Eligible for Health Savings Account with employer contributions FAU-HR/Benefits

13. Health Insurance – Standard PPO & HMO Cost Monthly Premiums effective Dec. 2013 For current rates please visit http://www.myflorida.com/mybenefits/Tools/Premiums.htm FAU-HR/Benefits

14. Health Insurance Coverage: Standard PPO vs. HMO • Co-payment: a specific charge that your health insurance plan may require that you pay for a specific medical service or supply. • Annual Deductible: this is the yearly amount you are required to pay before anything except preventive care is covered. • Coinsurance: a percentage of the medical and pharmacy costs you are required to pay after your annual deductible is met. FAU-HR/Benefits

15. Health Insurance – Health Investor Health Plan • Health Investor Health Plan offers a choice of PPO or HMO (same providers as Standard option) • Employee assumes greater responsibility with healthcare • Lower Premiums • High Deductibles (including HMO plan) • Participation in Health Savings Account (HSA) with employer contributions to offset out-of-pocket expenses FAU-HR/Benefits

16. Health Insurance – Health Investor Health Plan Cost Monthly Premiums effective Dec. 2013 For current rates please visit http://www.myflorida.com/mybenefits/Tools/Premiums.htm FAU-HR/Benefits

17. Health Insurance Deductibles: Standard vs. HIHP Comparison FAU-HR/Benefits

18. Health Investor Health Plan(High Deductible) IMPORTANT! With enrollment in a Health Investor Health Plan , you are responsible for 100% of medical bills and prescription costs until annual deductible has been met. • Annual out-of-pocket max – after deductible , including prescription costs (Individual $3,000, Family $6,000) • Preventive Care covered 100% FAU- HR/Benefits

19. Health Investor Health Plan – Health Savings Account • Employees enrolled in HIHP are able to participate in HSA to pay for out-of-pocket medical expenses on a tax-free basis • Account earns interest, functions as tax-free savings account • Participation is voluntary • FAU will contribute$500/yr for individual and $1,000/yr for family • Employees may contribute up to $2,800/yr for individual and $5,550/yr for family FAU-HR/Benefits

20. Health Investor Health Plan – Health Savings Account Enrollment How Does It Work? Enrollment is notautomatic! • After enrollment, employees must complete bank application (Tallahassee State Bank) • Receive a debit card and checks: - Pay eligible healthcare expenses directly or reimburse yourself for eligible healthcare expenses from accumulated Balance • Funds remaining in account at year-end roll over to future years • Funds in account are portable • Disclaimer: $3/mth maintenance fee (balance under $5,000) FAU-HR/Benefits

21. Dependent Care Flexible Spending Account FAU-HR/Benefits

22. Dental Insurance FAU-HR/Benefits

23. Dental Insurance • Coverage level determines premium • Premiums differ by dental plan • Employee • Employee + Spouse • Employee + Child • Employee + Family FAU-HR/Benefits

24. Vision Insurance • Vision Care Plans administered through Humana • Option 1: Exam + Materials orOption 2: Materials Only FAU-HR/Benefits

25. Vision Insurance • Coverage level determines premium • Premiums differ by vision plan • Employee • Employee + Spouse • Employee + Child • Employee + Family FAU-HR/Benefits

26. Other Supplemental Plans • Hospitalization Alta & State Securities (Philadelphia American) • Cancer/Intensive Care AFLAC & Colonial • Accident/Disability Colonial • Required to meet with company representative, complete medical underwriting • Plans can either work in conjunction with or independently from health insurance • Coverage effective date determined by People First FAU-HR/Benefits

27. Eligible Dependents • Spouse • Children up to age 26 • Children with Disabilities: • May be covered after age limit if meet certain criteria • Overage Children up to age 30 • Certain criteria and separate premium must be met FAU-HR/Benefits

28. State Basic Life Insurance underwritten by Minnesota Life • Group Term Life policy • (incl. AD&D) • $25,000 coverage limit • Employee pays 100% of premium ($4.54/month in 2014) Policy for employee only Beneficiary designation through underwriter FAU-HR/Benefits

29. OPS with Graduate Assistantships FAU student health plan • The College of Graduate Studies provides health insurance coverage for all university graduate assistants with appointments: • Coordinated through College of Graduate Studies • Administered by Insurance for Students, Inc. • Underwritten by United Healthcare • Individual coverage is $4,238 {Child coverage an additional $3,600 per child, Spouse additional $5,760; International students at other rates. • Eligibility based on taking 5 credit hours or more in Fall & Spring; and 3 credit hours in Summer. • Coverage period is based on the academic term(s) that the student has a qualifying assistantship (e.g., fall 8/17/2013-1/3/2014, spring 1/4/2014-5/11/2014, annual 8/17/2013-8/16/2014) • Must actively attend class for the first 31 days after start of coverage. State Group Insurance • OPS employees with a graduate assistantship that meet the eligibility criteria for state benefits will be offered coverage by People First • Coordinated through FAU Human Resources • Administered by People First • Underwritten by various insurance carriers { Florida Blue, AvMed, Coventry} • Employees pay premiums for Individual and Family coverage • Eligibility based on working average of 30 hours per week • Coverage period is the calendar year (e.g., annual 1/1/2014-12/31/2014) • Eligibility for the State Group Insurance will not have an impact on eligibility or enrollment in the FAU Student Health Plan. Employees offered the State Group Insurance can elect coverage or choose to decline coverage without any changes to their current Student Health Plan. • Please Note: International Students with F-1 or J-1 Visas and their accompanying dependents are required to have health (medical) insurance coverage for their entire duration of studies at FAU that meets all the State of Florida Board of Governors regulations . The state’s health plans offered by the Div. of State Group Insurance do not meet all of the State of Florida Board of Governors regulations. Additionally, to continue State Group Insurance coverage OPS employees must continue to meet the state’s eligibility criteria on an annual basis. FAU-HR/Benefits

30. International Employees with J-1 Visas U.S. federal regulations require J-1 Exchange Visitors and J-2 dependents to carry health (medical) insurance during the entire length of their program that meet minimum required health insurance coverage as per Federal Regulations(see below). • Medical benefits of at least $50,000 per accident or illness • Repatriation of remains (preparation and transportation of remains to home country) in the amount of $7,500 • Expenses associated with the medical evacuation (transportation to home country when directed by attending physician) of the exchange visitor in the amount of $10,000 • A deductible not to exceed $500 per accident or illness • Coverage for pre-existing conditions after a reasonable time period (as per industry standards) • Covered benefits must be paid at 75% or more per accident or illness • Policy must not unreasonably exclude coverage for perils inherent to the exchange visitor’s program • Insurance carrier must have an approval rating that is accepted as per Part 62.14 (c)(1) of Section 22 of the Federal Code of Regulations • The State Group Insurance health insurance plans meet the federal requirements with the exception for repatriation and medical evacuation which are required to be in compliance with federal health insurance requirements FAU-HR/Benefits

31. Part Four: Enrollment FAU-HR/Benefits

32. Enrolling with People First • All OPS employees will receive an initial letter from People First with their new People First user ID • OPS employees will receive an enrollment packet in the mail only if eligible for coverage. Enroll via: • Online • Go to www.PeopleFirst.MyFlorida.com and enter your ID in the first field. Enter your temporary password of Pf (note: the “P” is upper case, the “f” is lower case) plus your six-digit birthday (MMDDYY). For example, if you were born February 3, 1974, your temporary password would be Pf020374 • Service Center • Call 1-866-663-4735 UserID and Password required to enroll online FAU-HR/Benefits

33. Finalizing Enrollment with People First • People First must receive both your portion and FAU’s portion of your premium before sending update to insurance carrier • If People First does not receive premiums prior to the 2nd of the month, you will receive a certified underpayment letter in the mail Delay in premiums = Delay in carrier showing coverage • Insurance cards mailed aftereffective date FAU-HR/Benefits

34. Changing Insurance Employees must enroll within 60 days of eligibility date provided by People First. Otherwise, changes can be made during the following periods: Qualifying Status Change • Marriage, divorce, birth of child, spouse lose of coverage, or spouse termination, etc. • Employees have 60 days from event to contact People First Open Enrollment • Held annually (October – November) • Coverage effective January 1st of following year FAU-HR/Benefits

35. Additional Information • Please check the HR website www.fau.edu /hr for up to date information on FAU’s Implementation of OPS Healthcare. • Questions regarding OPS Healthcare can be sent to Benefits@fau.edu Additional information on the state and federal healthcare reform laws can be found on the following websites: • Information on State of Florida benefit options http://www.myflorida.com/mybenefits/Health/Health.htm • State of Florida OPS Healthcare Implementation http://www.dms.myflorida.com/human_resource_support/state_group_insurance • U.S. Department of Labor – Comprehensive information about the Affordable Care Act http://www.dol.gov/ebsa/healthreform/ FAU-HR/Benefits

36. People First Contact Information For additional information or to enroll in benefits visit People First website https://peoplefirst.myflorida.com Contact the People First Service Center at 1-866-663-4735 to have a representative assist you. • Service Center Hours: Monday through Friday 8:00am – 6:00pm EST FAU-HR/Benefits

37. Please complete the acknowledgement form to conclude your online OPS Benefits Orientation Thank you! FAU-HR/Benefits

38. Acknowledgement I have viewed the OPS Benefits Orientation. • Name:________________________ • Signature:_____________________ • Date Viewed: __________________ Please print out this screen only, complete and send interoffice to HR/Benefits AD # 106. Thank you.