Employee Benefits Summary
FSA - Section 125 Plan Document

Important Notices

• Blue Cross Blue Shield of Florida “Care Profile” – Frequently Asked Questions
• Information Regarding Dependent Benefits Coverage and HIPAA Privacy Rights (10/23/2006)
• Memo regarding Prescription Drug Coverage and Medicare Part D
• Notice about Prescription Drug Coverage and Medicare (7/20/2006)
• Listen to Open Enrollment Session (MP3 Audo File)
  Listen to the Open Enrollment Session that took place on July 26, 2006 by downloading this MP3 audio file. The audio file is approximately one hour long.

Medical

The County has two plans; an HMO and a PPO plan. The BlueCare (HMO - Open Access) and BlueChoice (PPO) plans provided through BlueCross and BlueShield of Florida (BCBS). The HMO and PPO networks include both Lake County hospitals as well as providers state-wide.

Through BCBS, members may now have access to coverage outside of the state of Florida. The BlueCare (HMO - Open Access) plan offers guesting privileges in other BCBS networks around the country, and the BlueChoice (PPO) plan offers the BlueCard program which allows access to doctors and hospitals around the world.

Numerous enhancements have been made to the medical coverage including a 24-hour live nurse line, health management and wellness programs, and Blue Compliments. Blue Compliments provides members with a wide range of discounted services for vision care, alternative medicine, hearing care, weight management and fitness memberships. Please review the BCBS folder to read more about these enhancements. See the schedule of Blue Cross and Blue Shield visits.

• BlueCare (HMO) and BlueChoice (PPO) Plan Summaries
  • Summary of BlueCare HMO Benefits
  • Summary of BlueChoice PPO Physician Copayment Benefits
  • Useful BlueCross BlueShield Links
    • Access providers within Florida
    • Access providers outside of Florida
    • Health & Wellness Information
  • Hospital comparison from WEB-TPA to Blue Cross Blue Shield
  • Urgent Care Centers and Labs
  • Prescription Drug Formulary – dated July 2006 (For the most up-to-date information please visit www.bcbsfl.com)

• Flexible Spending Accounts
  • FSA - Section 125 Plan Document
  • Frequently Asked Questions
  • Dependent Care Reimbursement Form
  • Health Care Reimbursement Form
• Examples of Qualified Medical Expenses
• Annual Expense Worksheet

Dental
There are three types of dental plans offered through CompBenefits. https://www.mycompbenefits.com

• Dental Health Maintenance Organization (DHMO) includes predetermined fees paid directly to dentist for services, does not have a deductible or a claim form to file, but does have a limited network of dentists.

• Preferred Provider Organization (PPO) allows employee to use any dentist; in or out of network. The employee pays a percentage of the Reasonable & Customary Charge, and there is an annual cap on benefits paid by the plan.

• Advantage Plan is an open access plan, which provides a wide variety of benefits through participating providers (a network similar to that of the PPO). At the time of service, the member pays the dentist for any applicable co-payments according to the schedule of benefits.    Additional information on New Advantage plan to be offered in addition to the DHMO and PPO plans

Vision
Under the VSP Vision Plan, offered through Ameritas, members have the option of obtaining services from a network of providers who accept the fees as full payment for services under prearranged guidelines. Additionally, members have access to vision-related discounts.

• Vision Plan Summary
• Vision Plan Document
• http://www.vsp.com/
• VSP Directory for Lake County
• VSP Directory for all of Florida
• You can search the online directory (most current) by going to the VSP website and clicking
        1. Members and Consumers
        2. Find a VSP Network Doctor
        3. "Are you a member" - select "No"
        4. Continue without signing on

Long Term Disability

• Employer pays full cost for long term disability
• Employee has option to buy a rider that shortens the elimination period (the waiting period before benefits are paid)

Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance

• Employer pays for the employee’s basic life and AD&D insurance (equal to one year’s annual salary with a minimum of $20,000)
• Employees have option to buy additional supplementary Life and AD&D insurance for themselves and their dependents
• Life Insurance Policy
  

Retirement & Deferred Compensation

• Florida Retirement System (FRS)
  All regular employees are eligible upon employment, for enrollment in the Florida Retirement System program. There are two (2) plans available: Pension Plan or Investment Plan, which is paid 100% by the County. New employees are enrolled automatically in the Pension Plan on date of hire. Choice period to select the Investment Plan runs until the end of the fifth month after date of hire. Employees are vested in the program after six (6) years for the Pension Plan and one (1) year for the Investment Plan, and there is a provision for disability pensions.
  • More on Florida Retirement System (FRS)
  • Login to your FRS Account
    
    
• Deferred Compensation (457)
  All regular employees are eligible upon employment, to defer from federal income tax the lesser of amount from table below or 100% of taxable compensation per year. There are two providers to choose from: Nationwide Retirement Solutions or ICMA.
  Florida Retirement System (FRS) and Deferred Compensation (457)
  • Deferred Compensation Providers
    

• Sick Leave and Sick Leave Bank Program
• Incentive Days
• Post Employment Health Plan (PEHP)
• Annual, Holiday, and Bereavement Leave
• Leave while attending conferences or taking examinations pertinent to employment
• Military Leave and Administrative Leave for Re-examination/Treatment by Veterans Administration with Respect to Service Connected Disability
• Safety Shoe Program
• Educational Assistance
• U.S. Savings Bonds (through payroll deduction)
• Wellness programs
• Direct Deposit