2011 Benefits Overview

2

• Open Enrollment: October 18 – 29, 2010• Changes to the health and life benefits effective January 1,

2011• Updates for Healthcare Flexible Spending Accounts:

> Effective January 1, 2011, can no longer submit claims for reimbursement of over-the-counter products without a doctor’s prescription.

> Maximum annual contribution will remain at $5,000 until 2014

• Online enrollment—EVERYONE must confirm continuation of benefits for 2011

• Completion of Health Assessment and Biometric Numbers (i.e., blood pressure, cholesterol, etc.)

2011 Benefits

3

Completely CONFIDENTIAL

Provides you a personal health report and access to health plan-sponsored programs

You and your covered dependents 18 years and older need to complete prior to confirming or changing benefits

Biometric Numbers must be entered this year: height, weight, waist circumference, total cholesterol, HDL, blood pressure (systolic and diastolic)

Taking the Health Assessment:

- Current employees can follow the instructions in slide 6 or go to myCIGNA.com to complete

- Newly hired employees, effective date of coverage of November or December 1, 2010, can log into New Employee Health Assessment link through ATLAS

Take the Health Assessment

4

Benefits Fairs Are Coming: Oct. 4-12, 2010 Note: Watch for dates for FREE Health Screenings coming soon! If you don’t have access to a computer or need help completing the Health Assessment, computer stations will be set up at the Health Screenings sites.

BENEFITS FAIRS

DATE DAY EVENT/SESSION CAMPUS TIME: AM TIME: PM LOCATION

10/04/2010 Mon Benefits Fairs CJI 11:00 – 1:00 CJI Multipurpose Rm

10/05/2010 Tues Benefits Fairs East 11:00 – 1:00 5:00 - 6:00 Bldg 5, Rm 112

10/06/2010 Wed Benefits Fairs West 11:00 – 1:00 5:00 - 6:00 HSB, Rm 105

10/07/2010 Thurs Benefits Fairs DTC 11:00 – 1:00 1st Floor Conf Rms

10/08/2010 Fri Benefits Fairs Winter Park 11:00 – 1:00 Room 224-226

10/11/2010 Mon Benefits Fairs Sand Lake Ctr 11:00 – 1:00 Bldg 2, Rm 106

10/12/2010 Tues Benefits Fairs Osceola 11:00 – 1:00 3:30 – 5:00 Bldg. 2, Rm 219B

Also open to your spouse and covered dependents

5

Where can I get my biometric numbers?

• Your annual preventive care physical

• Your local health expo or community health fair

• Your next doctor visit

• At the Free Biometric Screening Clinics—watch for dates, times, and locations coming soon

6

How do I confirm or change benefits?(Open Enrollment—Oct. 18 - Oct. 29)

Remember you and your covered dependents, age 18 and older, must take the health assessment AND enter your biometric

numbers before confirming or changing benefits

• EVERYONE must review and confirm your benefits for the 2011 plan year for all benefits except Long-Term Disability

• Go to ATLAS to Employees tab and click Online Open Enrollment Tool

• Have your Valencia VID number ready for login.

7

Instructions to Confirm or Change Benefits• Log in to ATLAS, click Employees tab, click on the Online Open Enrollment Tool link in upper

right-hand corner

--User name: your VID# with small “v”

--Password: can reset there if you forgot

• Login in to enrollment tool with your VID and new password

• Click “Get Started.” A page will be displayed where you can review information about you and your family or add family members. When you click continue, you will be on a page that will display a link to take your Health Assessment—once done, you will be returned to the enrollment site.

• You will be asked if you took the Health Assessment: if you answer YES, the system will allow you to continue; if you answer NO, you can continue BUT no medical choices will be shown.

• When you continue, you come to a page that has a list of the types of benefits and a “Review and Submit” button on the right-hand of the screen:

• If no changes to plans, click on “Review and Submit,” review them and click “submit”

• If making changes, click on the specific benefit link that you want to change. When done, click Review and Submit your changes.

8

What do I do to Confirm or Change Benefits?• Go to ATLAS to Employees tab and click Online Open Enrollment Tool

• Log n to ATLAS, click Employees tab, click on the Online Open Enrollment Tool link in upper right-hand corner

--User name: your VID# with small “v”

--Password: can reset there if you forgot

• Login in to enrollment tool with your VID and new password

• From here you can click on the link to take your Health Assessment—once done, you will be returned to enrollment tool Welcome page

• If no changes to plans, click on View Your Benefits??, review them and click “submit”

Changes to the

Medical Plan Benefits

10

2011 Benefits & Health Care Reform

•Dependent Age Increase•Coverage under Medical plan up to the end of month in which dependent turns 26 years of age

•If not eligible for employer sponsored health coverage elsewhere*•Regardless of student status, marital status or financial dependency requirements

•Removal of Lifetime Limits from all Medical Plan options

•Grandfathered Status (OAP, HRA plans)•Cannot rescind coverage unless due to fraud•Must comply with removal of lifetime limits •Must comply with annual limit standards•Must comply with age increase for those not eligible for other employer sponsored plan•Allowed to provide Preventive Care with cost share until 2014•Allowed to maintain preexisting conditions for those older than 19 until 2014•Allowed to maintain waiting periods until 2014

*grandfathered plans only

11

2011 Plan Provider: CIGNAAvailable plans:

• Open Access Plus In-Network (OAPIN)– Similar to an HMO– Use providers contracted with the OAP network

• Open Access Plus (OAP)*– Similar to a PPO– In and Out of Network benefits– Lowers costs if you use In-Network Providers

• Open Access Plus w/ Health Reimbursement Account (HRA)* fund– Employer fund available to you to pay eligible expenses first– 100% Preventive Care Coverage with no maximum limits– In and Out of Network benefits– Lower costs if you use In-Network Providers

*Denotes Grandfathered Status Plans

12

Monthly PremiumsOAP OAP IN-NETWORK HRA PLAN

Open Access Plus (OAP)Health Reimb Arrangement (HRA) Current

rates 2011 RatesCurrent

rates 2011 RatesCurrent

rates 2011 RatesEmployee (College paid) $0.00 $0.00 $0.00 $0.00* $0.00 $0.00Spouse/Domestic Partner $391.88 $429.11 $425.83 $466.28 $326.89 $357.94Child 1-2 $281.30 $308.02 $395.76 $433.36 $326.89 $357.94 (1 dep. only)Children 3 or more $368.60 $403.62 $395.76 $433.36 $482.09 $527.89 (2 or more dep.)Family - Sp & 1-2 child $602.37 $659.60 $820.62 $898.58 $482.09 $527.89 2 or more dep.)Family - Sp & 3+ child $602.37 $659.60 $878.82 $962.31 $482.09 $527.89 (2 or more dep.)

Retiree (non-Medicare Plan) $483.00 $528.89 $498.00 $545.31 N/A N/ARetiree’s Spouse $391.88 $429.11 $425.83 $466.28 N/A N/ARetiree’s Child 1-2 $281.30 $308.02 $395.76 $433.36 N/A N/ARetiree’s Children 3 or more $368.60 $403.62 $395.76 $433.36 N/A N/ARetiree’s Family Sp & 1-2 child $602.37 $659.60 $820.62 $898.58 N/A N/ARetiree’s Family Sp & 3+ child $602.37 $659.60 $878.82 $962.31 N/A N/A

COBRA - Participant $483.00 $528.89 $498.00 $545.31 $511.00 $559.55COBRA: Spouse $391.88 $429.11 $425.83 $466.28 $326.89 $357.94COBRA: Child 1-2 $281.30 $308.02 $395.76 $433.36 $326.89 $357.94 (1 dep. only)

COBRA: Child 3+ $368.60 $403.62 $395.76 $433.36 $482.09 $527.89 (2 or more dep.)COBRA: Family Sp & 1-2 child $602.37 $659.60 $820.62 $898.58 $482.09 $527.89 (2 or more dep.)

COBRA: Family Sp & 3+ child $602.37 $659.60 $878.82 $962.31 $482.09 $527.89 (2 or more dep.)

13

Medical Plan Highlights – 2011 Changes in RedOpen Access Plus

In-Network(OAPIN)

Open Access Plus(OAP)

CIGNA Choice Fund® with Health Reimbursement Arrangement

(HRA)*

Single Family Single Family SingleEmp +

SpouseEmp + Child

Family

Deductible Copaysapply

Copaysapply

$500 INN/$1,000 OON

$1,500 INN/$3,000 OON

$1,000 INN/

$3,000 OON

$2,000 INN/

$4,000 OON

$3,000 INN/

$6,000 OON

The most you’ll pay next year out-of-pocket

$5,000$6,000

$10,000$12,000

$5,000 $5775INN/

$10,000 $11,550

OON

$10,000$11,550 INN/

$20,000 $23,100

OON

$3,000 INN/$6,000 OON

$6,000 INN/$12,000

OON

$9,000 INN/$18,000

OON

HRA contribution from employer

n/a n/a n/a n/a $500 $1,000 $1,500

Inpatient Hosp

Outpatient Fac

$200/day –max 415%

$200 15%

CYD 15% INNCYD 30%

OON

CYD 15% INNCYD 30% OON

CYD 15% INN

CYD 30% OON

CYD 15% INNCYD 30%

OON

CYD 15% INN

CYD 30% OON

INN – In-networkOON – Out-of-Network CYD – Calendar Year Deductible

14

Medical Plan Highlights (Cont’d) – 2011 Changes in Red

Benefit

Open Access Plus

In-Network(OAPIN)

Open Access Plus(OAP)

IN-Network OUT of Network

OAP with Choice Fund (HRA)

IN-Network OUT of Network

Office Visit :PCP:Specialist – CIGNA Care NetworkSpecialist- Non CIGNA Care Network

$20 PCP

$30 $40 Spec CCN

$45 $60 Spec. Non CCN

$15 PCP

$25 $30 Spec CCN

$40 $45 Spec Non CCN

CYD then 30%

CYD 15% CCN

CYD 20% Non CCN

CYD then 30%

Coinsurance (e.g., inpatient)CCN

Non-CCNN/A 15%

CYD then 15%

CYD then 15%CYD then 30%

CYD then 15%

CYD then 20%CYD then 30%

Ambulatory/Surgical Centers $75 copay then 100%

$75 copay then 100%

CYD then 30% CYD then 15% CYD then 30%

Emergency Room

Urgent Care

$150 $200

$35 $50

$150

$35

$150

$35CYD then 15% CYD then 15%

(if a true emergency)

CCN = CIGNA Care Network CYD – Calendar Year Deductible

Prescription Drug Coverage

16

Prescription Plan Highlights – No Changes for 2011

Open Access Plus In-Network(OAPIN)

Open Access Plus(OAP)

CIGNA Choice Fund® with Health Reimbursement

Arrangement (HRA)*

In-Network Retail(30-day supply)

Home Delivery* (90-day supply)

Retail(30-day supply)

Home Delivery*(90-day supply)

Retail(30-day supply)

Home Delivery* (90-day supply)

Generic You pay $15 You pay $30 You pay $10 You pay $20 You pay $10 You pay $20

CIGNA preferred brand You pay $40 You pay $80 You pay $35 You pay $70 You pay $35 You pay $70

Non-Preferred brand You pay $60 You pay $120 You pay $50 You pay $100 You pay $50 You pay $100

Self-injectablemedications You pay $70 You pay $140 You pay $60 You pay $120 You pay $60 You pay $120

TEL-DRUG (Home Delivery)—saves the cost of 1 copay for a 90-day supply.

For employees who do not need health insurance (i.e., covered under spouse’s coverage, etc.)

Valencia pays the employee only coverage cost for dental and vision.

In addition, the College will provide a Healthcare Flexible Spending Account in the amount of $600 for the plan year.

Employees can cover their eligible dependents for dental and vision only.

17

Your Passport to Better Health

19

How do you get the most from your CIGNA plan?

• Make sure to have your ROUTINE PREVENTIVE CARE• Preventive care services are covered by your plan• Schedule your annual physical• Be aware of any age-related screenings you should have

• Think about using convenience care clinics• Convenience care clinics are located in retail pharmacy locations• You will only pay your PCP copay when you have services

• Look into the savings that Generic drugs provide

• Register at myCIGNA.com

• Call 24 Hour Nurse Line with questions:• Should I go to the Emergency Room?• Need information on my health condition (i.e. medications for Asthma)

20

Well-Aware Disease Management Support

21

Other Tools and Resources

Lifestyle Management ProgramsStress ManagementTobacco CessationWeight Management

Care support programs including: CIGNA Well Aware for Better Health®

Health Advisor-Health & Wellness CoachingHealthy Pregnancies, Healthy Babies® – prenatal educationEmployee Assistance Program

Healthy Rewards® — discounts on laser vision correction, weight management, smoking cessation and more

22

Lifestyle Management Programs

Tobacco Cessation ProgramLearn how to resist the urge to use tobacco.Make the choice to live a healthier, tobacco-free life!

Stress Management ProgramLearn coping techniques and manage stress both on and off the job.Information on how nutrition, sleep and relationships can boost your resilience to stress.

Weight Management ProgramLearn to manage your weight using a non-diet approachResources and tools available to assist you in maintaining your lifestyle changes.

Telephone program Online program

Personal management plan

Individual telephone coaching

Dedicated wellness coach

Convenient evening and weekend coaching hours

Workbook and toolkit

Healthy Rewards discounts

Support line available 24/7

An 8-week self-paced program

Weekly educational emails with key learning themes and tips

Healthy Rewards discounts

Secure, convenient support

Just call 1.866.417.7848 or visit myCIGNA.com

23

Valencia Community College Wellness Program

Valencia Community College is moving forward to a healthier work place. Valencia's Wellness program is dedicated to creating communities of people with healthy bodies and minds. Visit the website: http://valenciacc.edu/wellness/

Valencia has partnered with CIGNA to help you stay healthy!

24

Employee Assistance Program: Work/Life Programs—Telephonic Educational Programs

Available to covered employee & household-paid by Valencia for full-time employees

(800) 554-6931 or www.cignabehavioral.com Employer ID: Valen

25

NEW HEALTH PLAN BENEFIT!Earn $$ for Taking Steps to Stay Well!!

Activity Milestone Points ValueFrequency for Earning Points and Tracking   (Jan. 1 ‐

Dec. 31, 2011)

Health Assessment & Biometric Screening

Complete the online Health Assessment & Biometric Screenings to be eligible for Program

Preventive Care‐Annual Physical Exam

More Details about each Activity and your ability to earn 

$$ within your Program Welcome Kit!

Lifestyle Management Programs 

CIGNA Well‐Aware for Better Health  OR  Health Advisor Wellness Coach

Valencia Wellness Programs  ORCIGNA EAP Telephonic Programs

Voluntary Vision Plan

27

CIGNA Vision Plan

PPO Plan

In-Network Out of Network Allowance

Exam Copay $15 N/A

Exam (one every 12 months) Covered in full $45

Single vision lenses (one every 12 months) Covered in full $32

Bifocal lenses (one every 12 months) Covered in full $55

Trifocal lenses (one every 12 months) Covered in full $65

Lenticular lenses (one every 12 months) Covered in full $80

Contact lenses (one pair or single purchase every 12 months)Elective Therapeutic

$110Covered in full

$98$210

Retail frame allowance (one every 24 months) $120 $66

28

CIGNA Vision Plan: Out-of-Pocket ExpensesMaximum Individual Out-of-Pocket Expense

Lens Options

Oversized lenses Covered under the plan

Tints - Rose #1 and #2 Covered under the plan

Tints - All others Solid up to $15

Polycarbonate lenses Standard Polycarbonate covered under the plan for under 18 years of age. Standard Polycarbonate for adults up to $40

Progressive lenses – Standard Standard Progressive up to $70

Progressive lenses – Premium Minimum savings of 20%

Hi-index lenses Minimum savings of 20%

Blended segment lenses Minimum savings of 20%

Standard Photochromics up to $78

Coating

Anti-reflective coating Standard AR Coating up to $45

Anti-scratch coating Standard Scratch Coating up to $17

Polarized lenses Minimum savings of 20%

UV Protection Standard UV Coating up to $17

• Maximum individual out-of-pocket cost levels set, resulting in a minimum 20% savings on non-covered lens options

• Vision Network Savings Program: minimum 20% savings on additional purchases of frames, lenses and lens options, unlimited purchases

29

CIGNA Vision Plan

PPO Plan

Total Monthly Premium

Employee Only 5.46

Employee and Spouse 10.91 (5.45)

Employee and Children 11.02 (5.56)

Employee and Family 17.36 (11.90)

Employee Assistance Program (EAP)

Mental Health & Substance Abuse

31

Employee Assistance Program (EAP): CIGNA

• Covered employee & household

• Access via toll-free number (800) 554-6931 or online at www.cignabehavioral.com Employer ID: Valen

• Clinical Services:– 24/7 Telephone Access– Telephone Consultation– 1 – 6 Free Face-to-Face clinical visits per issue– Beyond 6 visits, health coverage picks up under the mental

health and substance abuse medical benefits

• Community Referral and Resources– Child & Summer Care Search– Adoption Resource Search– Financial– Parenting Resources– Senior Care Search– Pet Care– Legal– ID Theft Recovery

Dental Plan

Tier Structure:

◦ Employee only Paid by the College◦ Spouse $ 32.14 per month◦ Child(ren) $ 31.50 per month◦ Family $ 44.00 per month

Orthodontic discounts: 20% off select providers

Cosmetic Dental discounts: 20% off select providers(i.e., implants, laminate veneers,whitening, cosmetic contouring)

Carry over of unused annual maximum (certain conditions apply)

Same dental network—BlueDental Choice (www.bcbsfl.com)

Customer Service #: 1-877-203-9921

33

Life Insurance

Not an open enrollment for life insurance—employees and/or spouses can apply for coverage through Evidence Of Insurability (EOI) process; must make application during open enrollment

No change in premiums for 2011

Basic Life Insurance is $25,000 (paid by the College)

1x, 2x, or 3x annual salary up to $500,000 available after EOI approval

LifeSuite: Beneficiary Financial Counseling Services

Supplemental spouse ($10,000 or $20,000) and dependent child ($5,000 or $10,000) coverage options (must be enrolled in employee supplemental life insurance)—Spouse must show EOI and be approved for coverage

Age-related Coverage Reduction done only in July and August (with salary updates) for those reaching ages 65, 70, and 75

35

36

Portability ratesavailable for terminatingemployees and retirees.

(coverage ends atage 70)

Employee Supplemental Term Life and AD&D$0.37 per $1000 of salary per month

Spouse/Dom. Partner Term LifePer Month

$10,000 $1.39$20,000 $2.78

Child (ren) Term LifePer Month

$5,000 $0.41$10,000 $0.82

AFLAC

QUESTIONS??

This presentation and benefit updates will be available on the Benefits website at:

valenciacc.edu/HR/benefits.asp