2019-2020 BENEFIT ENROLLMENT GUIDE · physician from within the network and obtain referrals for...

PUTTING THE PIECES TOGETHER

2019-2020 BENEFIT ENROLLMENT GUIDE

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In many ways, life is one big puzzle that you’re constantly putting together. The choices you make today determine how the complete picture looks for the future. Your benefit plan is a big part of the puzzle. You need all the right pieces in place to ensure you’re covered from whatever the future brings.

A complete benefit plan is more than good health coverage. It includes financial protection from unexpected misfortune, which can jeopardize your lifestyle by prohibiting you from earning a paycheck. A complete plan also takes advantage of tax-saving Flexible Spending Accounts and retirement programs.

Even if you think you have all the pieces in place, a closer look may show spots where the pieces could fit together better. For instance, are you sure all of your personal information is up to date?

Volusia County School Board provides the pieces to help you put together a complete personal benefit plan. We also give you the tools to help you figure out the best fit.

You simply need to put it together.

This benefits guide provides easy-to-understand explanations of the different benefit options and offers tips on putting together a complete plan. (Wouldn’t it be great if all puzzles came with instructions?)

Your 2019-2020 Benefit Options

Medical Benefits

Wellness Program

Critical Illness Insurance

Hospital Indemnity Insurance

Dental & Vision Benefits

Life & Accident Insurance

Disability Insurance

Flexible Spending Accounts

Retirement Plans

Employee Assistance Program

Personal Liability Insurance

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TABLE OF CONTENTS

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New Way to Enroll!

Benefits Counselors will be available either in person or by phone to assist you in selecting your benefits! See the enclosed insert for details.

YOUR 2019-2020 BENEFIT OPTIONS

Through the Volusia County School Board Benefits Program, you have all the pieces necessary to assemble a complete personal benefit plan.

YOUR HEALTH

No piece is more important than your health care. Whether visiting the physician of your choice or having the ability toovercome the financial strain of a major illness or hospital stay, a portfolio of health coverage is vital.

♦ Medical Benefits ♦ Critical Illness Insurance ♦ Vision Benefits ♦ Prescription Drug Benefits ♦ Hospital Indemnity Insurance ♦ Flexible Spending Accounts ♦ Wellness Program ♦ Dental Benefits ♦ Employee Assistance Program

YOUR INCOME...YOUR LIFESTYLE

No one can predict the future. We give you the resources to protect your family from unexpected pitfalls that can threaten your lifestyle today and your plans for the future.

♦ Life Insurance ♦ Personal Accident Insurance ♦ Disability Insurance ♦ Educators' Personal Liability Insurance

YOUR FUTURE

You can put together a better tomorrow by taking steps today.

♦ Florida Retirement System ♦ 403(b) Plan ♦ Roth Plan

WHO IS ELIGIBLE?

Employees: ♦ All full-time instructional employees scheduled to work over 18.75 hours per week (or greater than

3.75 hours per day) ♦ All full-time support and administrative employees scheduled to work at least 20 hours per week

Dependents: ♦ Your legal spouse ♦ Your dependent children up to ages allowed by contract, state and federal laws

Please check with your Benefits Counselor or the Insurance Department if you have questions about eligibility.

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MEDICAL BENEFITS

Volusia County School Board offers three medical plan options through Florida Health Care: the Point of Service (POS) Plan, the Health Maintenance Organization (HMO) Plan and the Triple Option Plan.

The POS Plan gives you the freedom to choose any provider you wish, but you will receive the highest level of benefits when you stay within the network. The HMO Plan offers low out-of-pocket costs, but requires you to choose a physician from within the network and obtain referrals for specialist care.

FLORIDA HEALTH CARE PLANSPOS Plan HMO Plan

In-Network Out-of-Network In-Network OnlyAnnual Deductible $1,500 per person $4,500 per person $500 single / $1,000 familyOut-of-Pocket Maximum Single / Family $6,000 / $12,000 $10,000 / $20,000 $3,000 / $6,000

Coinsurance 10% 50% 0%Preventive Care No charge 50% after deductible No chargePrimary Care Physician $35 copay 50% after deductible $20 copaySpecialist $50 copay 50% after deductible $35 copayWorkforce Wellness Location $8 per visit $8 per visit $8 per visit

Inpatient Hospital 10% after deductible 50% after deductible$250 copay per day after

deductible (Days 1-5)

Outpatient Hospital 10% after deductible 50% after deductible$200 copay - ASC*$400 copay - OH*

Emergency Room 10% after deductible10% after in-network

deductible$375 copay

Urgent Care 10% after deductible10% after in-network

deductible$75 copay

Lab and RadiologyLab work: No charge

X-rays: $50 copay50% after deductible

Lab work: No chargeX-rays: $20 copay

Advanced Imaging 10% after deductible 50% after deductible $175 copay

Prescription Drug BenefitsRetail – Up to 31-day supply

Available at Florida Health Care Plans (FHCP) pharmacies, Walgreens (nationwide) and Publix (Volusia and Flagler

Counties only)

Available at FHCP pharmacies and select

WalgreensPreferred Generic $3 copay at FHCP only $3 copay at FHCP

Non-Preferred Generic$12 copay at FHCP

$20 copay at Walgreens or Publix$12 copay at FHCP

$20 copay at Walgreens

Preferred Brand$35 copay at FHCP


$40 copay at Walgreens

Non-Preferred Brand$60 copay at FHCP


$65 copay at WalgreensSpecialty $100 copay at FHCP only $100 copay at FHCP onlyMail Order – Up to 93-day supply

Available at FHCP pharmaciesAvailable at FHCP

pharmaciesPreferred Generic $6 copay $6 copayNon-Preferred Generic $33 copay $33 copayPreferred Brand $102 copay $102 copayNon-Preferred Brand $177 copay $177 copay

* ASC = Ambulatory Surgical Center, OH = Outpatient Hospital

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MEDICAL BENEFITSMEDICAL BENEFITS

The Triple Option Plan gives you complete control of your out-of-pocket expenses. The amount you pay is determined by your choice of provider. Option 1 allows you to receive care from any provider within the Florida Health Care HMO network. You may also self-refer to any provider listed as a Florida Health Care Option 2 Provider. Option 3 gives you the freedom to receive care from out-of-network providers.

FLORIDA HEALTH CARE PLANSTriple Option Plan

In-Network Option 1

In-NetworkOption 2

Out-of-NetworkOption 3

Annual Deductible Single / Family $1,000 / $2,000 $2,000 / $4,000 $3,000 / $6,000

Out-of-Pocket Maximum Single / Family $4,000 / $8,000 $4,000 / $8,000 $6,000 / $12,000

Coinsurance 10% 30% 40%

Preventive Care No charge No charge 40% after deductible

Primary Care Physician $20 copay $35 copay 40% after deductible

Specialist $35 copay $60 copay 40% after deductible

Workforce Wellness Location $8 per visit $8 per visit $8 per visit

Inpatient Hospital 10% after deductible Not covered 40% after deductible

Outpatient Hospital 10% after deductible Not covered 40% after deductible

Emergency Room 10% after deductible 10% after deductible 10% after deductible

Urgent Care 10% after deductible 10% after deductible 10% after deductible

Lab and RadiologyLab work: No charge

X-rays: $20 copayNot covered 40% after deductible

Advanced Imaging $300 copay 30% after deductible 40% after deductible

Prescription Drug Benefits

Retail – Up to 31-day supplyAvailable at Florida Health Care Plans (FHCP) pharmacies,

Walgreens (nationwide) and Publix (Volusia and Flagler Counties only)

Not covered

Preferred Generic $3 copay at FHCP only Not covered

Non-Preferred Generic$12 copay at FHCP

$20 copay at Walgreens or PublixNot covered

Preferred Brand$35 copay at FHCP


Non-Preferred Brand$60 copay at FHCP


Specialty $100 copay at FHCP only Not covered

Mail Order – Up to 93-day supply Available at FHCP pharmacies Not covered

Preferred Generic $6 copay Not covered

Non-Preferred Generic $33 copay Not covered

Preferred Brand $102 copay Not covered

Non-Preferred Brand $177 copay Not covered

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MEDICAL BENEFITS

Volusia County School Board also offers one medical plan option through Florida Blue: the Health Reimbursement Account (HRA) Plan.

The HRA Plan offers you the freedom to use either in- or out-of-network providers and does not require referrals. It also includes a Health Reimbursement Account, which is established and funded by Volusia County School Board to help you pay for your first eligible medical expenses. Volusia County School Board will contribute $600 to your HRA for the year. You can use this money towards eligible expenses such as deductibles, coinsurance, prescription drugs, dental care and vision care. You will receive an HRA debit card that you can use to pay for these expenses, or you can pay out of pocket and submit a claim form to be reimbursed from your account. Any unused account balances will roll over to the next plan year as long as the program is offered and you remain enrolled.

FLORIDA BLUE PLANHRA Plan

In-Network Out-of-Network

HRA Employer Contribution $600 per employee

Annual Deductible Single / Family $2,000 / $4,000 $4,000 / $8,000

Out-of-Pocket Maximum Single / Family $4,000 / $8,000 $8,000 / $16,000

Preventive Care No charge 50% coinsurance

Primary Care Physician 15% after deductible 50% after deductible

Specialist 15% after deductible 50% after deductible

Inpatient Hospital 15% after deductible 50% after deductible

Outpatient Hospital 15% after deductible 50% after deductible

Emergency Room 15% after deductible 15% after deductible

Urgent Care 15% after deductible 15% after deductible

Lab and Radiology 15% after deductible 50% after deductible

Advanced Imaging 15% after deductible 50% after deductible

Prescription Drug BenefitsRetail – Up to 30-day supplyGeneric $15 copay 50% after deductible

Preferred Brand $30 copay 50% after deductible

Non-Preferred Brand $50 copay 50% after deductible

SpecialtySubject to the cost share based

on applicable drug tierSubject to the cost share based

on applicable drug tier

Mail Order – Up to 90-day supplyGeneric $30 copay 50% after deductible

Preferred Brand $60 copay 50% after deductible

Non-Preferred Brand $100 copay 50% after deductible

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WELLNESS PROGRAM

A strong organization cannot exist without healthy employees. The everyday choices we make can help us live healthier, happier and more fulfilling lives both at work and at home. That’s why Volusia County School Board has partnered with Florida Health Care Plans and Florida Blue to establish a comprehensive Wellness Program designed to improve your health, well-being and productivity.

The Wellness Program is available to all benefit-eligible employees. For more details, visit the Wellness Program tab on the intranet under the Insurance and Employee Benefits Department page. You can also contact us via email at [email protected].

MEMBER PORTAL

Visit the member portal at www.fhcp.com/for-members to sign up for wellness campaigns, access member benefits and complete your online lifestyle assessment.

FITBIT DISCOUNTS FHCP Members Only

Throughout the school year, Volusia County School Board employees who are enrolled in an FHCP medical plan will have an opportunity to earn a special discount on the Fitbit of their choice. FHCP Wellness is throwing in an extra $30 off to show our appreciation and support in your wellness journey. For details, visit www.fhcp.com/for-members.

FREE GYM ACCESS

Volusia County School Board employees and their covered dependents have free access to over 70 participating gyms throughout Volusia, Flagler, St. John's, Seminole and Brevard Counties. For a list of participating gyms, visit www.wellnessatfhcp.com/vcsb.

How to Access Participating Gyms: ♦ Florida Health Care plan members can use their

insurance card to access participating gyms. ♦ Florida Blue plan members will receive a gym

access card in the mail.

WEIGHT WATCHERS REDUCED FEES

Weight Watchers, now known as WW, is available at reduced fees to all benefit-eligible employees. For more information, visit the Wellness Program tab on the intranet or email us at [email protected].

WORKFORCE WELLNESS CENTERS

WorkForce Wellness Centers offer employees the convenience of extended clinic hours and same-day appointments.

♦ Florida Health Care plan members can visit any of our Workforce Wellness Centers for an $8 copayment.

♦ Florida Blue plan members have the same convenience of utlizing our WorkForce Wellness Centers but at the cost of their medical benefit.

Can’t get in to see your doctor for an acute issue? Call the FHCP Central scheduling department at 1-386-676-7198 for same-day scheduling requests at one of our WorkForce Wellness Centers. Representatives are available Monday through Friday from 7 a.m. to 7 p.m.

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CRITICAL ILLNESS INSURANCE

Critical Illness Insurance reduces the financial impact of a major illness, such as a heart attack, stroke or cancer. The policy pays a lump sum benefit directly to you once you or

a covered family member is diagnosed with a covered condition. You can use this benefit any way you choose — for deductibles and coinsurance, to pay expenses your family incurs to be by your side or simply to replace lost earnings from being out of work. You choose the benefit amount when you enroll.

Critical Illness Plan Features

PORTABLE COVERAGE

You can take your policy with you if you change jobs or retire.

FAMILY COVERAGE

Coverage options are available for your spouse and children.

HEALTH SCREENING BENEFIT

Pays a $50 benefit per covered person per calendar year if you or your covered dependents complete a covered health screening test such as immunizations, total cholesterol tests, blood glucose tests, mammograms, colonoscopies and more.

GUARANTEED ISSUE

There are no health questions or physical exams required.

You will receive detailed information on the plan and costs during your enrollment session. Rates will vary depending upon factors such as your age, whether or not you use tobacco and the dependent coverage you choose.

* The coverage pays 25% of the face amount of the policy once per lifetime for coronary artery bypass surgery and carcinoma in situ.

The policy/certificate of coverage or its provisions, as well as covered illnesses, may vary or be unavailable in some states. The policy/certificate of coverage has exclusions and limitations which may affect any benefits payable.

EXAMPLES OF COVERED ILLNESSES:

Heart AttackStrokeMajor Organ FailureEnd Stage Renal (Kidney) FailureCoronary Artery Condition Requiring Bypass Surgery* Cancer Carcinoma in Situ*

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CRITICAL ILLNESS INSURANCE HOSPITAL INDEMNITY INSURANCE

Even with medical insurance, a hospital stay can cost you thousands of dollars in deductibles and coinsurance. Hospital Indemnity Insurance pays a benefit directly to you if you or a covered family member receives inpatient hospital care. You receive a benefit for being admitted to the hospital and then for each day you’re confined. Additional benefits are paid based on the type of services you receive.

WHAT IS COVERED

♦ Hospital Admission ♦ Observation Unit

♦ Hospital Daily Confinement ♦ Substance Abuse Stay

♦ Intensive Care Unit Stay ♦ Mental Disorder Stay

♦ Newborn Routine Care ♦ Rehabilitation Unit Stay

Hospital Indemnity Plan Features

PORTABLE COVERAGE

You can take your policy with you if you change jobs or retire.

FAMILY COVERAGE

You can elect to cover your spouse and children.

HEALTH SCREENING BENEFIT

Pays a $50 benefit per covered person per calendar year if you or your covered dependents complete a covered health screening test such as immunizations, total cholesterol tests, blood glucose tests, mammograms, colonoscopies and more.

GUARANTEED ISSUE

There are no health questions or physical exams required.

You will receive detailed information on the plan and costs during your enrollment session.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable.

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DENTAL & VISION BENEFITS Volusia County School Board offers two dental plan options through Delta Dental: the Delta

Preferred Option (DPO) Plan and the Dental Maintenance Organization (DMO) Plan. We also offer vision benefits through Humana. Plan highlights are outlined below.

DENTAL PLANSDelta Dental DPO Delta Care DMO

In-Network Out-of-Network In-Network Only

Annual Deductible$50 per person / $100 per family (Waived for Diagnostic & Preventive

Services and Orthodontics)None

Annual Maximum$1,000 per person

(Diagnostic & Preventive Services do not count towards maximum)

None

Diagnostic & Preventive ServicesExams, Cleanings, X-rays

Plan pays 80% of DPO Fee Schedule

Plan pays 80% of UCR*

See schedule of benefits for copayment amounts

Basic ServicesFillings, Extractions, Root Canals




Major ServicesCrowns, Bridgework, Dentures




Orthodontic Benefits Adults and Dependent Children



$2,150 per child / $2,350 per adult(includes start-up fee)

Orthodontic Lifetime Maximum $1,000 per person None

* UCR = Usual, Customary and Reasonable

VISION PLANHumana Vision 130

In-NetworkMember Costs

Out-of-Network Reimbursement Amounts

Eye Exam (Once every 12 months) $10 copay Up to $30

Contact Lens Exam Fit and Follow-up Up to $55 Not covered

Lenses (Once every 12 months)Single VisionBifocalTrifocalLenticular

$15 copay$15 copay$15 copay$15 copay

Up to $25Up to $40Up to $60

Up to $100

Frames (Once every 24 months) Up to $140, 20% off balance over $140 Up to $65

Contact Lenses (Once every 12 months)in lieu of eyeglassesConventionalDisposable Medically Necessary

Up to $130, 15% off balance over $130Up to $130$0 copay

Up to $104Up to $104up to $200

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LIFE & ACCIDENT INSURANCE

BASIC TERM LIFE AND AD&D INSURANCE

Volusia County School Board provides eligible employees with Basic Term Life and Accidental Death and Dismemberment (AD&D) coverage at no cost and enrollment is automatic. The Basic Term Life benefit is equal to 1 times your annual salary. If you are seriously injured or lose your life in an accident, you will be eligible for an AD&D benefit equal to your Basic Term Life coverage.

SUPPLEMENTAL TERM LIFE AND AD&D INSURANCE

You may also purchase Supplemental Term Life and Accidental Death and Dismemberment (AD&D) coverage as a complement to the company-paid benefit. You pay the total cost of this benefit through payroll deduction.

You may choose a benefit of 1, 2 or 3 times your annual salary. The maximum benefit for Basic Life or Basic and Supplemental Life combined is $500,000. Spouse and children's coverage amounts are offered based on the employee's earnings. If you earn over $20,000, you may elect benefits of $10,000 for your spouse and $5,000 for each child. If you earn under $20,000, you may elect benefits of $5,000 for your spouse and $2,500 for each child.

The benefit amount for employee and spouse Supplemental Term Life Insurance may carry an age-based benefit reduction schedule. Refer to your policy/certificate documents for complete details.

If a husband and wife both work for the school district, they cannot cover each other, nor can they cover the same child(ren).

PERSONAL ACCIDENT INSURANCEGroup Voluntary Accidental Death & Dismemberment (AD&D) Insurance pays a lump sum benefit in the event that you or a covered family member sustains an injury that results in any of the losses listed below. Benefits are paid for specific losses caused by a covered accident in accordance with the policy's schedule of benefits.*

What is Covered?

♦ Loss of life ♦ Loss of a hand or foot ♦ Loss of sight

♦ Loss of hearing♦ Loss of speech♦ Loss of an arm or leg

♦ Loss of thumb and index finger on the same hand

Benefit Amounts

You may select a benefit amount in $10,000 increments up to 10 times your annual salary. Your family members may be insured for a portion of your benefit amount. Your spouse will be covered for 50% of your benefit amount, or 40% if you have eligible children. Each of your eligible children will be insured for 15% of your benefit amount, or 10% if your spouse is eligible for coverage. You will receive detailed information on the plan and costs during your enrollment session.

* Loss must occur within 365 days of the date of the accident.


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DISABILITY INSURANCE

If a disability kept you out of work and prevented you from earning a paycheck, how would you cover your bills and other household expenses? Educators' Salary Protection Insurance

can help replace a portion of your income if you become disabled as the result of a covered sickness or injury.

Volusia County School Board offers two plan options: the Gold Plan or the Platinum Plan. The difference between the two plans is in the duration of benefits, or length of time you would be paid a benefit while you are disabled. The Gold Plan is a short-term disability plan and the Platinum Plan is a long-term disability plan.

Benefit Amount

You may purchase a monthly benefit in $100 units, starting at a minimum of $200, up to two-thirds of your monthly earnings to a maximum monthly benefit of $7,500.

Elimination Period

The elimination period is the length of time of continuous disability due to a covered sickness or injury, which must be satisfied before you are eligible to receive benefits. You may choose an elimination period of 14 days, 60 days or 90 days.

Duration Of Benefits

Under the Gold Plan, your duration of benefits is based on your age when the disability occurs and whether the disability is due to an injury or sickness.

INJURY

Age at Disability Duration of Benefits

Less than age 60 To age 65, but not less than 5 years

Age 60-64 5 years

Age 65-69 To age 70, but not less than 1 year

Age 70 and over 1 year

SICKNESS


Less than age 65 5 years



Under the Platinum Plan, your duration of benefits is based on your age when the disability occurs regardless of whether it is due to an injury or sickness.

INJURY or SICKNESS


Less than age 60 To age 65, but not less than 5 years

Age 60-64 5 years




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FLEXIBLE SPENDING ACCOUNTS

Volusia County School Board offers two types of Flexible Spending Accounts (FSAs): a Health Care FSA and a Dependent Day Care FSA. These accounts allow you to set aside pre-tax dollars to pay for eligible out-of-pocket health care or dependent day care expenses. Because your contributions are deducted from your paycheck pre-tax, you reduce your taxable income and save money.

How Flexible Spending Accounts Work 1. Each year during the enrollment period, you decide how much to set aside for health care and/or dependent

care expenses.

2. Your contributions are deducted from your paycheck on a pre-tax basis in equal installments throughout the calendar year.

3. The Health Care FSA includes a debit card that you can use to pay for expenses at the point of sale. You also have the option to pay for expenses out of pocket and then submit a claim to be reimbursed from your account. The Dependent Day Care FSA does not include a debit card. You must pay for expenses out of pocket and submit a claim for reimbursement.

Please note that these accounts are separate. You may participate in either or both of them, but you cannot use money from the Health Care FSA to cover expenses eligible under the Dependent Day Care FSA or vice versa.

Use-It-or-Lose-It Rule

Be sure to calculate your expenses conservatively when making your FSA elections. IRS regulations require that you forfeit any money left in your account after the claims submission deadline. The exception to this rule is for the Health Care FSA where funds up to $500 may carryover to the next plan year.

You must actively re-enroll in the FSAs each year. You are not automatically re-enrolled.

PlanAnnual Maximum

ContributionExamples of

Covered Expenses

Health Care Flexible

Spending Account$2,700

Copays, deductibles, prescriptions,

dental and vision care, etc.*

Dependent Day Care Flexible

Spending Account

$5,000 ($2,500 if married and

filing separate tax returns)

Day care, nursery school,

elder care expenses, etc.*

* See IRS Publications 502 and 503 at www.irs.gov for a complete list of covered expenses.

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RETIREMENT PLANS

FLORIDA RETIREMENT SYSTEM

Whether retirement is a wish for the future or approaching rapidly, everyone should familiarize themselves with the Florida Retirement System (FRS). Volusia County School Board employees are automatically enrolled into the FRS. As a member of the FRS, you will automatically contribute 3% of your gross earnings to your account. Volusia County School Board will make the rest of the contribution that is set and required by the Florida legislation each year. There are two plans available:

♦ Investment Plan: A 401(k)-type investment plan designed for employees who want greater control over their retirement plan and who want flexibility in how their benefit is paid at retirement.

♦ Pension Plan: A traditional retirement pension plan designed for employees who are not comfortable with choosing investments and managing their own portfolio, and who want a guaranteed monthly retirement benefit.

For complete details, visit myFRS.com or call 1-866-446-9377 and select option 1 to speak with a financial planner about both plans.

403(B) PLAN

Employees may elect to participate in the 403(b) Plan by making pre-tax contributions through a salary reduction agreement. Contributions grow tax-deferred until the time of retirement when withdrawals are taxed as ordinary income. To set up an account, you'll need to select an agent from the Approved Company/Agent List and complete a Salary Reduction Form available on the Tax Sheltered Annuities 403(b) and ROTH Plans tab on the intranet under the Insurance and Employee Benefits Department page.

ROTH PLAN

A Roth Plan is also available. This plan is similar to the 403(b) Plan except that your contributions are taken on an after-tax basis. This means you will pay taxes on your contributions now, but distributions in retirement will not be subject to taxation. To set up an account, you'll need to select an agent from the Approved Company/Agent List and complete a Salary Reduction Form available on the Tax Sheltered Annuities 403(b) and ROTH Plans tab on the intranet under the Insurance and Employee Benefits Department page.

FLORIDA SCHOOL RETIREE BENEFITS CONSORTIUM

Beginning January 1, 2020, retirees' benefits will be administered through the Florida School Retiree Benefits Consortium (FSRBC). Plans available through FSRBC are retiree-focused, offering benefits that have your needs in mind. When you transition to FSRBC, these plans will take the place of the plans offered through Volusia County School Board, except for pre-65 medical plans. Pre-65 medical plans will continue to be the Volusia County School Board plans administered through FSRBC.

Annual enrollment for FSRBC benefits takes place October 15 through November 5, 2019 with benefits becoming effective January 1, 2020. Please watch for more information from FSRBC coming in September.

♦ Pre-65 Retirees: If you are enrolled in medical and dental coverage, you can continue the same plans through FSRBC. You may also enroll in Vision, Hearing Aid, Pet Insurance, Pet Pharmacy, Identity Theft Protection and IT Tech Support benefits through FSRBC.

♦ Post-65 Retirees: You will need to enroll in an FSRBC Medicare plan to replace your Volusia County School Board medical plan. If you are enrolled in dental coverage, you can continue the same plan through FSRBC. You may also enroll in Vision, Hearing Aid, Pet Insurance, Pet Pharmacy, Identity Theft Protection and IT Tech Support benefits through FSRBC.

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OTHER BENEFITS

EMPLOYEE ASSISTANCE PROGRAM

The Employee Assistance Program (EAP) helps employees resolve personal and work problems through professional assistance. Services are available 24 hours a day, 7 days a week, 365 days a year. The EAP is strictly confidential and governed by HIPAA. Below are some of the most common reasons to call the toll-free number.

♦ Marital/relationship issues ♦ Work-related stress ♦ Emotional/psychological issues ♦ Stress management ♦ Legal/financial counseling and referral ♦ Substance abuse (alcohol and/or drugs) ♦ Parenting ♦ Physical/medical issues ♦ Family ♦ Dependent care (child care as well as elder care) ♦ Vocational-related issues ♦ Work-life webinars

Aetna Resources for Living, our EAP provider, is available by phone at 1-800-272-7252 or online at resourcesforliving.com. To log in, use username: VCS and password: VCS.

EDUCATORS' PERSONAL LIABILITY INSURANCE

The Florida Department of Education provides Personal Liability Insurance to all full-time instructional personnel. The program provides protection from liability for monetary damages and the costs of defending actions resulting from claims arising out of occurrences in the course of instructional personnel’s professional activities. This coverage is provided at no cost and enrollment is automatic.

Coverage Limits

♦ $2,000,000 per insured per wrongful act ♦ $3,000,000 in the aggregate per wrongful act ♦ $2,000 per bail bond per insured ♦ $500 per claims per insured for assault related to personal property damage

Note: This statement is intended to summarize the benefits you receive from Volusia County School Board. The actual determination of your benefits is based solely on the plan documents provided by the carrier of each plan. This summary is not legally binding, is not a contract and does not alter any original plan documents. For additional information, please contact the Human Resources department.

2019-2020 BENEFIT ENROLLMENT GUIDE · physician from within the network and obtain referrals for...

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Transcript of 2019-2020 BENEFIT ENROLLMENT GUIDE · physician from within the network and obtain referrals for...