Open Enrollment

• Designed to recognize a diverse population • Competitive and comprehensive benefits package consistent with market changes 

• Provide physical and financial security for you and your family 

• NBC contributes 70% of total Medical/Rx costs • As an organization, we need to focus on proactive wellness behaviors and health care consumerism

Benefits Strategy 

2019 Benefits Open Enrollment!

November 26th –December 7th

November 26th –December 7th

Elections will be effective January 1, 2019 – December 31, 2019

Elections will be effective January 1, 2019 – December 31, 2019

Change requests must be made within 30 days of a Qualifying Event

MarriageDivorce or SeparationDeath

Loss of other Group Coverage Birth or Adoption

Spouse’s Open Enrollment

Qualifying Life Events

Medicare EntitlementEligibility/Termination of Medicaid or CHIP

• Full-time employees scheduled to work 30 hours or more a week

• Eligible for benefits the 1st of the month following 60 days

• Your legal spouse*

• Your dependent children covered until age 26

Who is Eligible for Benefits?

*Exclusion for Working Spouse can be found in your 2019 Team Member Benefit Guide

Blue Cross Blue Shield (BCBS) will continue as the medical carrier: With the choice of 3 plans HDHP w/HSA, PPO w/coinsurance and PPO Copay Plan

HSABank will continue to manage the: Health Savings Account

Cigna will continue as the carrier for: Dental PPO and Vision plan

Unum will continue to be the carrier for: Basic Life Insurance and AD&D Voluntary Life Insurance Short Term Disability and Long Term Disability

Chubb will be the Worksite carrier for: Voluntary Accident Policy Voluntary Critical Illness Policy Voluntary Hospital Indemnity Policy Voluntary Permanent Life Policy

Discovery Benefits will continue to be the administrator for: Flexible Spending Accounts – Health Care & Dependent Care

Benefits Highlights for 2019

Comparison of Plan Options

Co‐Insurance Plans

80% ER / 20% EE

Comparison of Plan Options

Premium

Deductible

Type of Pay

OOP Maximum

Co‐Insurance

Co‐Pay

Comparison ofDeductible & OOP Maximum

HIGHER LOWER

AllBlue Cross Blue Shield

Plansare Open Access

No need to select a Primary Care Physician (PCP)

No Referrals for Specialists

Confirm Your Physician Participates

Plan Name & Type HDHP w/ HSA Plan PPO Plan PPO Copay Plan

Network Access  In‐Network Out‐of‐Network In‐Network Out‐of‐Network In‐Network Out‐of‐Network

Individual / Family Calendar Year Deductible (CYD) $3,000 / $6,000 $4,000 / $8,000  $1,500 / $3,000  $5,000 / $10,000  $750 / $2,000  $2,400 / $6,000 

Coinsurance (member pays) 20% 40% 20% 40% 20% 40%

Includes CYD, Copay, Coins & Rx CYD, Copay, Coins & Rx CYD, Copay, Coins & Rx

Individual / Family Out of PocketMaximum $6,500 / $13,000 $12,900 / $25,600 $6,500 / $13,000 $12,900 / $25,600 $6,500 / $13,000 $12,900 / $25,600

TelaDoc Visit  $45  40% after CYD $10 Copay 40% after CYD $10 Copay 40% after CYD

PCP Office Visit  20% after CYD 40% after CYD 20% after CYD 40% after CYD $25 Copay 40% after CYD

Specialists Office Visit 20% after CYD 40% after CYD 20% after CYD 40% after CYD $50 Copay 40% after CYD

Preventative Care Visits No charge Limited benefits No charge Limited benefits No charge Limited benefits

In‐Patient Hospitalization 20% after CYD 40% after CYD 20% after CYD 40% after CYD 20% after CYD 40% after CYD

Out‐Patient Hospital 20% after CYD 40% after CYD 20% after CYD 40% after CYD 20% after CYD 40% after CYD

Urgent Care Center 20% after CYD 40% after CYD 20% after CYD 40% after CYD $75 Copay 40% after CYD

Emergency Care 20% after CYD 20% after CYD $400 Copay

HDHP and PPO Plans

Monthly Medical Contributions

Wellness premium based on participants completing the following by December 15, 2018:

• Be a non‐smoker / non‐tobacco user / non‐e‐cigarettes user (vape)

• Has had a wellness physical in 2019

• Has completed his/her health risk assessment on BCBS website 

• Has registered for Teladoc

Tier Wellness Rates Non-Wellness RatesEE or SP

Non-Wellness RatesEE + SP

HDHP PPO PPO Copay HDHP PPO PPO Copay HDHP PPO PPO

Copay

Employee Only $70.96 $138.35 $149.21 $145.96 $213.35 $224.21 $145.96 $213.35 $224.21

Employee + Spouse $244.89 $438.26 $494.12 $319.89 $513.26 $569.12 $394.89 $588.26 $644.12

Employee + Child(ren) $208.74 $379.54 $427.92 $283.74 $454.54 $502.92 $283.74 $454.54 $502.92

Employee + Family $377.31 $673.54 $759.38 $452.31 $748.54 $834.38 $527.31 $823.54 $909.38

• Compatible only with the HDHP Medical Plan

• HSA Account is a special Pre-Tax savings account that is used for out-of pocket eligible expenses not reimbursed under the medical, dental or vision plans

• National Beverage will contribute annually to HSA• $500* for employee only ($125* in Apr, July, Oct & Jan)• $750* for employee with dependents ($187.50* in Apr, July, Oct & Jan)

• 2019 Deposit Limits• $3,500 for Individual & $7,000 for Family • Age 55 and older can contribute an additional $1,000. • Medicare enrollees may not contribute to an HSA Account.

• Team members will receive a debit card from HSA Bank that lets you take money out of your HSA for eligible expenses without the hassle of reimbursement forms.

Health Savings Account (HSA)

HDHP and PPO Prescription Benefits

HDHPAll tiers (Generic, Preferred Brand and Non Preferred)

20% after CYD

Out-of-Network Benefits are not covered

PPOAll tiers (Generic, Preferred Brand and Non Preferred)

20%

PPO Copay PlanGeneric - $10 Copay

Preferred Brand - $25 CopayNon Preferred - $50 Copay

Save on Prescription Costs• Use generics when available• Request samples from doctor • Many retail pharmacies offer prescriptions for free or at a

reduced cost. Check with your local or regional pharmacies for details.

Amlodipine – High BPAmoxicillin Lisinopril – High BPAmpicillin Metformin - DiabetesSulfamethoxazone/Trimethoprim Montelukast – Allergies and AsthmaCiprofloxacinPenicillin VK

• Walmart offers many generics at $4• Use websites such as www.goodrx.com for price

comparison & coupons

Teladoc

CONSULT WITH A DOCTOR 24/7/365

WHAT IS TELADOC?Teladoc is a national network of board-certified physicians who provide quality healthcare through the convenience of phone or online video consultations for members of any age.

Teladoc physicians can diagnose, treat, and write prescriptions, when necessary for routine medical conditions, including:

• Cold & flu symptoms• Allergies• Bronchitis• Urinary tract infection• Respiratory Infection• Sinus problems• And more!

www.teladoc.com

The cost of Teladoc services for the HDHP HSA Plan will be $45 per call until your deductible is met; 20% coinsurance applies for any future calls. The cost for the PPO Plans will be $10 per call. Payment will be collected at the time of the call.

More Ways to Save

Urgent CareTreats serious conditions

Staffed by PhysiciansLabs and X-rays

May even Dispense Prescriptions

Convenience Care Treats common conditions

Minute Clinic (CVS)Take Care Clinic (Walgreens)Staffed by Nurse Practitioners

How to look up a participating (In‐Network) provider or hospital.

BCBS– Find a Provider

To find participating providers, laboratories or facilities (In‐Network), please visit www.myhealthtoolkitfl.com.

Find a Network Doctor or Hospital

Check this box  Insert National Beverage Pre‐Fix: “NIU”

Voluntary DPPO Dental Insurance Plan Type DPPONetwork Access In Network Out of Network*Calendar Year Benefit Max $1,500Individual / Family Deductible $100Preventive Care

No Charge No Charge*Routine Exams– 9430Teeth Cleaning – 1110

Full Mouth/Panoramic X-rays - 0330Basic

20% after deductible 20% after deductible*Simple Extraction – 7140

Endodontics – 3330Fillings – 2140

Periodontal Scaling – 4341Major

50% after deductible 50% after deductible*Full or Partial Denture – 5110Crown – 2752

Orthodontia Child and Adult Benefit 50%

Lifetime Maximum Benefits $1,000* Balance billing may apply when utilizing out-of-network providers

Monthly RatesEmployee $49.65 Employee + Spouse $72.70Employee + Children $67.34Family $86.87

Network Access In Network Out of Network

Eye Exam $15 Copay Reimbursement up to $45Frequency Every 12 months

LensesSingle $30 Copay Reimbursement up to $40Bifocals $30 Copay Reimbursement up to $65Trifocals $30 Copay Reimbursement up to $75Frequency Every 12 months

Frames - Selected $130 Allowance + 20% Off Balance Reimbursement up to $78Frequency Every 24 months

Contact Lenses (In lieu of all other eyewear benefits)

Contact Allowance – includes exam & fitting $130 Allowance Reimbursement up to $115

Medically Necessary Contacts No Charge Reimbursement up to $250Frequency Every 12 months

Voluntary Vision Insurance

Monthly RatesEmployee $5.10 Employee + Spouse $9.41 Employee + Children $9.86Family $14.77

Cigna App 

Cigna– Find a Provider

Flexible Spending Accounts (FSA)

Plan year is January 1 - December 31 g

FSA Administrator: Discovery Benefits*Can’t select if choosing the HDHP w/HSA

ARTHUR J. GALLAGHER & CO.  |  BUSINESS WITHOUT BARRIERS™

Money is deducted before your tax liability is calculated.

Put away for Your Future Expenses (copays, deductibles, coinsurance etc.)

“Use it or Lose it” ruleNo Roll Over

FSA debit cards

HealthCare

Get Answers NowIt’s easy for you to get the 

help you need now.

Call 1‐866‐451‐3399 or visit DiscoveryBenefits.com $2,650 / Year

DependentCare

$5,000 / Year

“What is in the Account”

Flexible Spending Accounts (FSA)

Basic Life Insurance

– $25,000

Accidental Death & Dismemberment (AD&D)

– $25,000

Please make sure your beneficiary

information is up to date

Basic Life Insurance & AD&D

You: Available in $25,000 increments up to a maximum of $500,000

*Guaranteed Issue Amount: $500,000

Spouse: $10,000

Supplemental Life Insurance & AD&D

Includes AD&D Coverage* Initial Enrollment Only

Child(ren): Live birth to 6 months - $1000, 6 months to 26 - $5,000 max

Disability Insurance Coverage Unum LTD with STD LTD Stand‐Alone

Requirement Must elect LTD to get STD –No stand‐alone STD

Can elect LTD only

Benefit STD: 60% of Weekly EarningsLTD: 60% of Monthly Earnings

60% of Monthly Earnings

Maximum Amount STD: $2,500LTD: $10,000

$10,000 Monthly

Elimination Period STD: 29 DaysLTD: After STD 9 Weeks of Benefits

90 Days

Maximum Benefit Period

STD: 9 weeksLTD: Until age 65

Until age 65

Voluntary Worksite InsuranceGroup Accident Insurance

• Financial protection against expenses due to accidental injury for you, spouse, and/or eligible children

• Helps offset unexpected medical expenses, such as deductibles, coinsurance and copayments

• Includes a $75 wellness benefit

Group Hospital Indemnity Insurance• Hospital Admission benefit of $1,500 (once per year)

• Daily confinement benefit of $200/day up to 10 days

• Daily ICU confinement benefit of $200/day up to 10 days (both daily benefits will pay simultaneously)

Voluntary Worksite Insurance (Cont.)

Group Critical Illness• Financial protection against expenses due to a critical illness

such as heart attack, stroke, cancer and other threatening conditions. This includes a $50 wellness benefit

• Guarantee Issue up to $30,000 for team member and spouse up to 50% of the team member’s benefit amount.

• Benefits can be used for medical bills, wheelchair, your mortgage, or time of work.

Group Permanent Life Insurance• Creating financial security for you and your family may be

difficult.

• Guarantee issue amount of $100,000 for our team members, $75,000 for your spouse and $25,000 for your children.

Employee Assistance Program (EAP)

Provides free, confidential counseling for the following work/life services:

Stress, Anxiety and Depression Management

Marital and Family Conflicts

Work Related Difficulties Financial & Legal

Referrals Identity Theft Counseling Help locate child/elder

care servicesThree face-to-face sessions with a consultant are available to you and your family

Available 24/7

1.800.854.1446www.lifebalance.net

User ID and Password: lifebalance

For More Information

Thank You!

Any Questions?