st. johns county benefits - sjso benefits guide 2016.pdf · this benefits guide is an overview of...

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16 benefits

GUIDE2016

WHAT'S NEWRATESHEALTH BENEFITSINCOME PROTECTIONWELLNESSLEGAL NOTICES

WHAT’S INSIDE

ST. JOHNS COUNTY

PRODUCED BY

Guide Contents

Take control of your health, income protection, and self

Know the options for you and your family

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Health BenefitsWhat’s New............................................................................Rates........................................................................................Medical Options..................................................................Health Reimbursement Account...................................Flexible Spending Accounts...........................................Prescription Plan.................................................................Dental Plan............................................................................Vision Plan.............................................................................

Income ProtectionLife and AD&D Insurance.................................................Voluntary Life Insurance....................................................Long Term Disability...........................................................Short Term Disability..........................................................Supplemental Coverage...................................................

SelfWellness Program...............................................................Florida Blue Wellness Tools..............................................Employee Assistance Program.......................................How To Find a Provider......................................................Retirement............................................................................Enrollment and Eligibility.................................................Legal Notices........................................................................Online Enrollment..............................................................

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This Benefits Guide is an overview of the comprehensive benefits package St. Johns County Sheriff’s Office offers. We care about our employees and are committed to bringing you the best possible benefits at the most reasonable cost. Each year, we evaluate our benefits program to ensure we keep this commitment to you.

This guide will assist you in understanding the various benefits which are available to you effective January 1st through December 31st. You will also learn about the many online tools that are available for managing your benefits, claims, accessing health and wellness information, and exploring discount programs.

At St. Johns County, our benefit programs are an important part of how we provide value to you because YOU are St. Johns County’s most valuable asset. Our benefits package includes medical, prescription, dental, vision, basic life insurance and voluntary life insurance, long term and short term disability, and critical illness and accident coverage.

St. Johns County also offers an extensive Wellness Program with a variety of events and choices. The Wellness Program is an employer / employee health partnership designed to assist employees by providing guidance, encouragement, and empowerment to lead a healthier lifestyle.

The Wellness Program also provides opportunities to improve your overall health and well being by taking part in health initiatives.

After reviewing the information contained in this guide, should you have any benefits questions, please contact your Benefits Unit. Contact information is listed below.

Benefits TeamManager Terri Marcum 209-1492 Specialist Jean Masters 209-1517SGT Sue Tree 209-1518 Specialist Becca Davis 209-1472

Email us at [email protected]

Welcome

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What’s New for 2016?

Blue Choice PPO Plan No Longer AvailableBeginning January 1, 2016, Blue Choice PPO 0117 will no longer be offered to employees. If you were enrolled in Blue Choice PPO 0117 you must make an election for a new plan during Open Enrollment. If you do not make an election into one of the two plans available to employees during Open Enrollment you may automatically be enrolled into the Blue Options High Deductible Health Plan for 2016.

New Vision Care Plan (VCP) by HumanaStarting January 1, 2016 employees will now have a vision plan through Humana. The new vision plan has many enhancements, including participating providers filing a claim form on your behalf, small copays for exams, glasses and contacts, and discounts on additional pairs of eyeglasses.Please see page 15 for more details.

Affordable Care Act (ACA) Tax FormIn January 2016, you will be receiving a new tax form that you must submit to the IRS when filing your taxes. This form will NOT replace your W-2, but will provide the IRS with information about your health insurance and the coverage you were offered by your employer. Since 2014, the Affordable Care Act requires all Americans, with few exceptions, to have health insurance or pay a penalty. The IRS requires each employer with over 50 full time employees report to the IRS the coverage they offered to their full time employees for the 2015 calendar year. The form showing the offer of coverage is called a 1095-C. As a self-funded health insurance plan, St. Johns County is considered not only your employer, but also your insurer. This means your 1095-C form will disclose the offer of coverage, the coverage you took, and who was covered under you, if applicable.

Please note: If you have dependents on your health insurance who do not live with you, please know that it is your responsibility to provide them with a copy of your 1095-C form. They will not be able to file their own taxes without a copy of your 1095-C form.

2016 Benefits

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Monthly RatesMedical, Prescription, Dental and Vision

Monthly Employee Cost

Employee OnlyEmployee + SpouseEmployee + Child(ren)Employee + Family

Standard Monthly Rate

With PHA Credit 1If EITHER Employee or

Spouse Complete the PHA

With PHA Credit 2If BOTH Employee and

Spouse complete the PHA$50 $0 N/A

$225 $175 $125$175 $125 N/A

$330 $280 $230

Blue Options PPO 03559

Monthly Employee Cost

Employee OnlyEmployee + SpouseEmployee + Child(ren)Employee + Family

Blue Options HDHP 05360

Standard Monthly Rate

With PHA Credit 1If EITHER Employee or

Spouse Complete the PHA

With PHA Credit 2If BOTH Employee and

Spouse complete the PHA$50 $0 N/A

$200 $150 $100$150 $100 N/A$280 $230 $180

2016 Rates

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Choosing Your Medical Plan

What are the benefits of the copays offered on Blue Options PPO?The Blue Options PPO 03559 plan offers copays on most services, including visits to the primary care physician (PCP), urgent care, emergency room, x-rays and imaging, surgical centers, and outpatient and inpatient hospital. Copays allow you to pay a set amount at the time of service, and help you to meet your out-of-pocket maximum for health care in a calendar year. Copays do not, however, apply to your annual deductible. For both the Blue Options PPO 03559 and Blue Options HDHP 05360, your deductible will be applied to your out-of-pocket maximum. Plan detail can be found on page 7.

Do I have to use certain medical providers? You can see any medical provider you choose, but cost savings are highest when you use a participating provider in Florida Blue’s network. Both medical options use Florida Blue’s Blue Options network.

What is a High Deductible Health Plan and Health Reimbursement Account?A high deductible health plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional plan. If you choose to enroll in the Blue Options HDHP 05360, all services, with the exception of routine, preventive services, apply first to your annual deductible which helps you to meet your out-of-pocket maximum. There are no copays on this plan. It is offered alongside a Health Reimbursement Account (HRA), which St. Johns County funds. You can then use this money to pay for eligible medical expenses. St. Johns County contributes up to $600 per year1 into your HRA. Plan detail can be found on pages 8 and 9.

How much does the medical coverage cost?Please see “Monthly Rates” on page 5.

Will I receive new Florida Blue medical ID cards?You will only receive new ID cards if you are a new enrollee or elect a different medical option. You will receive separate cards for dental and vision.

Health insurance is a way to pay for health care and protects you from paying the full costs of medical services when you become injured or sick. You choose a plan and pay a certain rate, or premium, each month. Both plan options, administered by Florida Blue, cover preventive care like doctor visits and screenings, as well as hospital visits, ER trips, and even prescription drugs.

Health Benefits

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1St. Johns County will contribute $600 into your HRA at the beginning of the plan year if your benefits become effective January 1, 2016. The St. Johns County HRA contribution will be pro-rated for employees whose benefits become effective after January 1.

Group# 13902 • 800-352-2583 • www.floridablue.com Blue Options PPO 03559

In-Network

Out-of-Network

$ 500$ 1,500

$ 500$ 1,500

$ 3,000$ 9,000

$ 3,000$ 9,000

20% 40%

Covered 100% Covered 100%


$ 20 copay20% after CYD

40% after CYD40% after CYD

$ 20 copay 40% after CYD

$ 20 copay $ 20 copay

$ 100 copay $ 100 copay

20% after CYD 20% after CYD

$ 600 copay$ 900 copay


$ 150 copay$ 250 copay


$ 100 copay 40% after CYD

$ 0$ 100 copay



$36,000

20

30

30 / 20

35

60

10

Calendar Year Plan Benefits

Calendar Year Deductible (CYD) Per Individual Family Aggregate

Total Out-of-Pocket Maximum (Includes CYD, coinsurance, medical and prescription copays) Per Individual Family Aggregate

Coinsurance (Member Pays)

Adult and Child Wellness Services

Mammograms / Routine Colonoscopy

Office Visits Primary Care Physician (PCP) Specialist

Convenient Care Centers

Urgent Care Visits

Emergency Room

Ambulance Services

Inpatient HospitalLevel 1Level 2

Outpatient HospitalLevel 1Level 2

Ambulatory Surgical Center

Outpatient Diagnostic Services Labs/Blood Work (Quest Diagnostics only) X-Rays and Advanced Imaging Services (MRI, CT, PET, etc.)

Durable Medical Equipment, Prosthetics, and Orthotics

Benefit Maximums Per Calendar YearAutism Spectrum Disorder Services ($200,000 lifetime maximum)

Home Health Care Visits

Inpatient Rehabilitation Days

Mental Health Services - Inpatient Days / Outpatient Visits

Outpatient Therapies and Spinal Manipulations Visits (combined)

Skilled Nursing Facility Days

Substance Dependency Care and Treatment (Combined Inpatient and Outpatient)

Preferred Provider Organizations (PPO) are when health care providers enter into an agreement with the insurance companies to offer substantially discounted fees for covered health care services. With a PPO, you do not have to choose a primary care physician—you can choose doctors, hospitals and other providers from the PPO network or from out of network. However, your copay and deductibles will be lower if you choose a provider that is in the Blue Options PPO network.

Health Benefits

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This is only a summary of benefits and not a contract. This information is not intended to replace or constitute as the Evidence of Coverage or Summary Plan Document. Any questions regarding benefits, limitations or exclusions, please consult your plan documents which are located on your benefits website.

Group# 13902 • 800-352-2583 • www.floridablue.com Blue Options HDHP 05360

In-Network Out-of-Network

$ 1,500$ 3,000

$ 3,000$ 6,000

$ 4,500$ 9,000

$ 9,000$ 18,000

20% 40%










$500 PAD + 40% after CYD




CYD20% after CYD



$36,000

20

30

30 / 20

35

60

10

Calendar Year Plan Benefits

Calendar Year Deductible (CYD) Per Individual Family Aggregate

Total Out-of-Pocket Maximum (Includes CYD, coinsurance, and prescription copays) Per Individual Family Aggregate

Coinsurance (Member Pays)

Adult and Child Wellness Services

Mammograms / Routine Colonoscopy

Office Visits Primary Care Physician (PCP) Specialist

Convenient Care Centers

Urgent Care Visits

Emergency Room

Ambulance Services

Inpatient HospitalLevel 1Level 2

Outpatient HospitalLevel 1Level 2

Ambulatory Surgical Center

Outpatient Diagnostic ServicesLabs/Blood Work (Quest Diagnostics Only)X-Rays and Advanced Imaging Services (MRI, CT, PET, etc.)

Durable Medical Equipment, Prosthetics, and Orthotics

Benefit Maximums Per Calendar YearAutism Spectrum Disorder Services ($200,000 lifetime maximum)

Home Health Care Visits

Inpatient Rehabilitation Days

Mental Health Services - Inpatient Days / Outpatient Visits

Outpatient Therapies and Spinal Manipulations Visits (combined)

Skilled Nursing Facility Days

Substance Dependency Care and Treatment (Combined Inpatient and Outpatient)

A high deductible health plan (HDHP) is a medical plan with a higher annual deductible but with lower premiums as compared to typical health plans. Enrolling in the HDHP allows you to automatically be enrolled in the Health Reimbursement Account (HRA), a reimbursement plan funded by St. Johns County. See page 9 for more details.

Health Benefits

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Health Reimbursement Account

How does an HRA work and how does it benefit me?

An HRA is a great way to pay for covered medical, prescription, dental and vision expenses through the plan year. Funded 100% by St. Johns County, it is only available to employees enrolled in the Blue Options HDHP 05360. St. Johns County contributes up to $50 per month, or $600 per year, into your account. If you are a new employee with benefits starting after January 31, this amount will be prorated.

What is the difference between an HRA and a FSA?

HRAs are employer-funded, which means your employer determines the amount that goes into the HRA. FSAs are employee-funded which means the funds are deducted from your salary. You determine the amount that goes into your FSA.

How will I access the money provided in my HRA?

You will receive an AmeriFlex Convenience Card after signing up for the HDHP and HRA. You can swipe your card at any health care provider’s office that accepts credit or debit cards. You can also file a paper claim form with AmeriFlex, to be reimbursed from your account.

Can I enroll in the Blue Options HDHP 05360 with an HRA and still elect an FSA?

Yes. Employees can contribute to an FSA while enrolled in an HRA. Funds for the HRA and FSA are loaded onto one card. However, you will be required to use your entire FSA balance prior to accessing the HRA funds.

What can I spend my HRA money on?

You can spend your HRA money on out-of-pocket medical, prescription, dental and vision expenses which are eligible for reimbursement if the expenses are for medically necessary care or treatment incurred during the plan year.

My spouse and dependents are not covered under my medical plan with St. Johns County. Can I still use the HRA for their medical expenses?

No. In order to use your HRA funds to pay for expenses for your spouse and/or dependents, they must be covered under your Blue Options HDHP 05360 through St. Johns County.

Do my HRA funds rollover into the next plan year?

The HRA dollars are funded by St. Johns County and must be used prior to the end of each plan year on December 31. Account balances do not rollover from year to year.

An HRA is a great way to pay for covered medical, prescription, dental and vision expenses through the plan year. All employees who enroll in the Blue Options High Deductible Health Plan (HDHP) 05360 are automatically enrolled in a Health Reimbursement Account (HRA). The HRA is a reimbursement plan funded by St. Johns County, which designated a specific dollar amount to credit to your HRA per calendar year. The HRA can be used to pay for qualified medical expenses.

888-868-3539 • www.myameriflex.com

Health Benefits

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Medical Reimbursement (FSA)

What is a Medical Reimbursement FSA?

A Medical Reimbursement FSA, or Medical FSA for short, is used to pay for certain types of out-of-pocket medical expenses not covered under an insurance plan such as:• Co-pays• Calendar Year Deductibles (CYD)• Dental and vision expenses• Prescription drugs• Some over-the-counter (OTC) items (a detailed list can

be found on www.MyAmeriflexPortal.com)

How does a FSA save me money?

A FSA is a great way to save money and pay for covered medical, prescription, dental, vision and dependent day care expenses throughout the plan year. Federal, State, and FICA taxes are not taken out on the amount you contribute to your Health FSA and/or Dependent Day Care Account.

How much can I contribute?

For Medical Reimbursement FSA’s the maximum contribution allowed is $2,550. If your spouse also works for St. Johns County, you may both contribute to the FSA, up to the $2,550 annual limit.

How much should I contribute?

Everyone is different, so it’s important to know about how much you anticipate spending on eligible expenses before you set your contribution amount.

Is the full election amount for my Medical FSA available for use on January 1st?

The entire annual election amount in your Medical FSA is available at the beginning of the plan year (Jan. 1), so you can use your FSA card or submit a claim before the regular contribution is withheld from your paycheck.

Will my current year’s FSA election automatically continue into the next plan year?

No. You must re-enroll during Annual Open Enrollment to participate. If you fail to complete your annual election for benefits during Annual Open Enrollment, your FSA will not be renewed for the next plan year.

Do I need to keep my receipts?

It is very important to keep all receipts for FSA expenses. You may receive a substantiation request from AmeriFlex either via email or postal mail. AmeriFlex is tightening their compliance to make sure all groups are fully substantiating based on the regulations already in place by the Affordable Care Act (ACA) law from 2009. All medical, dental and vision claims need to be substantiated unless the copays can be matched or an employee has a recurring expense that was substantiation after the first request.

If I elect to continue participating in the FSAs, will I receive a new Ameriflex Convenience Card?

If you elect to participate in the FSAs for the next plan year, you will only receive a new debit card if your current card has expired or if you are a new FSA plan participant. If you participated in the FSA within the last few years and your card has not expired, your current debit card will be reloaded with your new annual election. If you enroll in more than one FSA account, the same card will be used for all accounts.

What is the “use-it or lose-it” rule?

Per IRS regulation, any funds left in your FSA at the end of the year are forfeited - this is frequently referred to as the “use-it or lose-it” rule. However, you are allowed to roll over up to $250 of available funds to use in the following year. Rollover funds are used after the current year funds have been exhausted. Any prior year funds in excess of the rollover amount not used by December 31st will be forfeited.

St. Johns County offers two flexible spending accounts, both administered by AmeriFlex.

• Medical Reimbursement (FSA)• Dependent Care Assistance Program (DCA)


Health Benefits

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What is a Dependent Care Account (DCA)?

A Dependent Care Account is an account that can be used to pay for the daily care of an eligible child or adult dependent, but not for health care expenses. Sometimes referred to as a Dependent Care Assistance Program, or DCA, this type of FSA allows you to use the funds in your account to pay for things like:• Daycare for children under the age of 13• Before and after school programs• Babysitting in your home by someone who is not your

dependent• Care for a dependent adult (eldercare)• Nanny, nursery school, or pre-school expenses• Summer day camp

How much can I contribute?

For Dependent Care FSAs the maximum contributions are:• $5,000 for a married couple, filing jointly• $5,000 for a single parent• $2,500 for a married person, filing separately

How much should I contribute?

Everyone is different, so it’s important to know about how much you anticipate spending on eligible expenses before you set your contribution amount.

Is the full election amount for my Dependent Care Account (DCA) available for use on January 1st?

You can only be reimbursed for dependent care expenses up to the current balance available in your DCA. Unlike Medical FSAs, only the amount you have contributed to the account, minus any claims paid, is available at any given time for reimbursement. The entire annual election amount is not available for reimbursement at the beginning of the plan year.

What is the “use-it or lose-it” rule?

Per IRS regulation, any funds left in your DCA at the end of the year are forfeited - this is frequently referred to as the “use-it or lose-it” rule. It’s very important to estimate your expenses carefully. Don’t contribute more than you expect to spend during the year.

Dependent Care Account (DCA)

A Dependent Care Account (DCA) reimburses you for eligible expenses, such as daycare, that you pay to take care of a qualified dependent, but not for health care expenses.


Health Benefits

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Prescription Drug Benefits

Generic

Preferred Brand

Non-Preferred Brand

Specialty

Retail 90/Mail-Order (90-day supply)

$ 20 copay

$ 100 copay

$ 150 copay

20% coinsurance up to $500, then normal copays apply

Retail (30-day supply)

$ 10 copay

$ 50 copay

$ 75 copay

20% coinsurance up to $500, then normal copays apply

Prescription Plan

All employees who enroll in one of the St. Johns County Medical Plans will be automatically enrolled in the Prescription Plan through Florida Blue’s Prime Therapeutics. This plan has three tiers: Generic, Preferred Brand Name and Non-Preferred Brand Name. The tier that your medication is in determines your portion of the drug cost.

Are all prescription drugs covered?

No, as there are medications that have shown to have excessive adverse effects and/or safer alternatives. Florida Blue’s NDC Lockout Program was created based on such factors as whether the medication has a preferred formulary alternative or over-the-counter (OTC)alternative, or the medication has a widely available generic equivalent. A complete list of drugs not covered is available on the Florida Blue website.

Do I have to use certain pharmacies?

You can use any pharmacy you choose, but cost savings are highest when you use a participating pharmacy in Florida Blue’s network.

Can I only fill my prescriptions for 30 days at a time?

In addition to using an in-network retail pharmacy to receive a 30-day prescription, you also have the option of getting a 90-day supply at a participating retail 90 or mail-order pharmacy for your maintenance medications prescribed by your doctor.

How much does the prescription drug coverage cost?

Prescription coverage is included in your medical plan payroll deduction.

Do I have coverage for Specialty medications, such as injectable therapies?

Yes. Coverage for these therapies, used for conditions such as but not limited to HIV/AIDS, Rheumatoid Arthritis, Cancer, Hemophilia, Hepatitis B and C, and MS, are provided through the Caremark Specialty Program.

Group# 13902 • Mail-Order: 888-849-7845 • www.myprime.com

Health Benefits

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Prescription Specialty

What is a specialty medication?

Specialty medications treat rare or complex conditions including, but not limited to, hepatitis C, multiple sclerosis, psoriasis, oncology and rheumatoid arthritis, and often require special handling, storage and administration.

What is a specialty pharmacy?

A specialty pharmacy is a provider of complex medications for complex health conditions. CVS Caremark Specialty Pharmacy is your provider for the St. Johns County Self-Funded Medical Plan.

What steps are required to obtain specialty medication?

Step1: Getting Started: After your medication is prescribed, you will need to receive Pre-Authorization from your Doctor. It is important to remember that whenever the Doctor changes the dose or strength of the medication, it is treated as a new prescription, which will need to go through the whole process as a new specialty Medication.

Step 2: Delivery Options: You or your Doctor must clarify with the Pharmacist that your order is being placed through Specialty Connect (Pharmacists access a separate system).

The Copay method of payment can be made via phone or through CVS Caremark Specialty Pharmacy.

You can choose between in-store pickup at your local CVS/pharmacy, or UPS delivery of your medication to your home or doctor’s office.

Step 3: Personalized Care: You will receive dedicated clinical support by phone from a team of specialty pharmacy experts trained in therapeutic area. Available 24 hours a day, 365 days a year. Call toll free at 1-800-869-0479.

Convenient Online Prescription Management: Register for a secure, online specialty prescription profile and make managing your medication even easier with these online tools at www.cvscaremarkspecialtyrx.com.

Group# 13902 • 866-278-5108 • www.myprime.com

Health Benefits

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Do I have to use certain dental providers?

You can see any dentist you choose, but cost savings are highest when you use a provider in Humana’s network.

Do I have to meet a deductible?

It depends on the service you receive. For preventive care, if you use an in-network dentist, you do not have to meet a deductible. For all other care, you must meet an annual deductible as shown in the chart below.

How do I find in-network providers?

The dental plan uses Humana’s PPO network.

Is there a maximum age for orthodontia coverage?

No. Orthodontia coverage is available to any covered plan participant, regardless of their age.

Can I or my family members use the orthodontia benefit in our first year of coverage?

Yes. There is no waiting period for orthodontia services.

Does this plan provide coverage for implants?

Yes. Implants are covered as a major service under the regular calendar year benefit maximum per individual.

Dental Plan

Example of Services• Preventive - routine exams, cleanings,

bitewing x-rays; fluoride treatment and space maintainers for children

• Basic - fillings, extractions, endodontics, periodontics, oral surgery and general anesthesia

• Major - crowns, dentures, bridges, implants

• Orthodontics -exams, x-rays, extraction and appliances for orthodontic services

Dental health is the gateway to your overall well-being and is one of the most sought after health benefits. Dental disease is largely preventable through effective preventive care to keep your teeth and gums healthy, as well as help reduce future costly procedures. All employees who enroll in one of the St. Johns County Medical Plans will be automatically enrolled in the Dental Plan through Humana Dental.

Calendar Year Plan Benefits In-Network

Out-of-Network

Calendar Year Deductible (CYD) Per Individual $ 50 $ 50Family Aggregate $ 100 $ 100

Diagnostic & Preventive Services 100% 100%Basic Services (Plan covers) 80% 80%Major Services (Plan covers) 50% 50%

Regular Benefit MaximumPer Individual $ 1,000 $ 1,000

Wisdom Teeth Extraction MaximumPer Individual $ 1,000 $ 1,000

Orthodontic BenefitsPer Individual ($1,000 lifetime maximum) 100% 100%

Group# 677885 • 800-233-4013 • www.humana.com

Health Benefits

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Vision PlanVision exams can identify the signs of many serious health conditions and annual check-ups are critical to your overall health. All employees who enroll in one of the St. Johns County Medical Plans will be automatically enrolled in the Vision Care Plan (VCP) through Humana.

Do I have to use certain vision providers?

You can see any vision provider you choose but cost savings are highest when you use a participating provider in Humana’s network.

What is a Benefit Allowance?

A benefit allowance gives you a certain dollar amount which can be used toward contacts and glasses (lenses and frames). As long as you choose materials that are within that dollar amount, or allowance, they are covered at 100%. If you choose a frame exceeding your plan allowance, you’ll be responsible for paying the overage in addition to any applicable copays at the time of your visit.

Can I get contacts and glasses in the same calendar year?

No. You can only get contacts OR glasses in the same calendar year, not both.

What is Humana’s Wholesale Price Model?

Members never pay full retail price and guarantees price consistency for all members. Pricing for frames won’t vary and you won’t be responsible for retail mark-ups. The average retail mark-up is 2.7x from wholesale cost – this means a $50 wholesale allowance gets you a $135 retail frame on average.

Do I have to file a claim to use this benefit?

If you stay in-network, your provider will file the claim. If you go out-of-network, you will need to download a Humana Vision Claim Form to be reimbursed.

Are there any vision discounts available?

Yes. Members may be eligible to receive up to a 20% retail discount on a second pair of eyeglasses, which is available for 12 months after the covered eye exam through the participating provider who sold the initial pair of eyeglasses.

How much does vision coverage cost?

Vision coverage is included in your medical plan payroll deduction.

In-Network

Out-of-Network

Network Name Vision Care Plan (VCP)Eye Exams

ExamFrequency1

$10 Copay12 Months

Up to $3512 Months

Prescription LensesSingle LensesLined Bifocal LensesLined Trifocal LensesLenticular LensesFrequency1

$15 Copay$15 Copay$15 Copay$15 Copay12 Months

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

Up to $10012 Months

Eye Glass FramesFramesMax Benefit/AllowanceDiscount on Second Frames2

Frequency1

Allowance$50 Wholesale

20%24 Months

Reimbursement$45 Retail

N/A24 Months

Contact LensesStandard Fit and Follow-upConventional/Disposable ContactsMedically Necessary ContactsFrequency1

Included in Allowance

$200 AllowancePaid in Full12 Months

ReimbursementUp to $150Up to $21012 Months

Laser Correction Discount 10% off retail prices

n/a

Provider Network Optometrist, Opthamologists

and Retailn/a

Group# 677885 • 866-537-0229 • www.humanavisioncare.comNEW PLAN

Health Benefits

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1Frequency is on a calendar year basis.2Discount available for 12 months after covered eye exam through the same participating provider who sold initial pair of glasses.

Income Protection

16

Basic Life and AD&DSt. Johns County provides all benefits eligible employees with Basic Life and Accidental Death and Dismemberment (AD&D) Insurance. Employees receive a generous benefit, as shown in the chart below. Basic Life and AD&D coverage is provided through Sun Life Financial.

Can I buy more coverage?

Yes. You may purchase additional life insurance. See Voluntary Life on page 17.

How long can my child be covered?

You can cover your unmarried child up to the end of the calendar month in which they turn 26.

Do I need to name a beneficiary?

Yes. It is important to designate the person that you want to receive your life insurance money.

What is waiver of premium?

Waiver of premium allows your life insurance to continue without payment of premium if you should become totally disabled. Please note that if your disability begins at age 65 or later, premiums may only be waived for up to 12 months.

What is an accelerated death benefit?

If you should become terminally ill with 12 months or less to live, you can apply to receive up to 75% of your current life insurance amount as a one-time lump sum. Any amount received will then reduce the amount of death benefit paid out.

Can I take my County provided life insurance with me when I leave employment?

Yes. If you are under age 70 when your employment ends, you may elect to convert your term life insurance to whole life insurance or simply take your term life insurance policy with you. You must contact Sun Life Financial within 31 days of your last day at work in order to be eligible for either of these options.

Does the County provide additional accident insurance?

St. Johns County provides in the line-of-duty coverage for certified employees of St. Johns County only, in accordance with Florida Statutes. Coverage is provided through Hartford Insurance and includes benefits for accidental death and dismemberment and other benefits including but not limited to funeral and burial, continuation of medical coverage for eligible family members, education and spouse retraining and daycare.

• Emergency Travel Assistance• Lost Luggage or Document

Assistance• Emergency Message Transmission

• SecurAssist Identity Theft Protection

• Prescription Assistance• Pre-Trip Information

• Emergency Cash Coordination• And Much More...

Value-Added Services


Basic Life Insurance CoverageAll Eligible Employees $50,000Elected Officials and Senior Management $75,000Eligible Spouse if dependent on health policy $5,000Eligible Child(ren) if dependent on health policy $2,000

All full-time benefit eligible employees have access to Assist America programs through Sun Life. Some of the benefits available are:

Group# 211866 • 800-247-6875 • www.sunlife.com/us

Additional Life Insurance• Through the Florida Sheriff’s Association, you will receive

one year’s salary for accidental death. St. Johns County Sheriff’s Office pays for a Florida Sheriff’s Association Membership for all full-time benefits eligible employees.

• “In Line of Duty” benefits, paid for by Florida State Statute, pays $50,000 due to accidental death, an additional $50,000 for “fresh pursuit” death, and $150,000 if intentionally killed.

• “In Line of Duty” benefits, paid for by the Federal Public Safety Officer’s Benefit Act, which is currently up to $339,310.

• Please note: Your spouse is automatically your beneficiary under this policy. If unmarried, your surviving children under 18 are the designated beneficiaries. If you do not have any children, the beneficiary named on your last known insurance policy will be the designated beneficiary. If there is no known insurance policy, your parents will be the designated beneficiaries.

Voluntary Life insurance is available to employees as well as dependents on an optional basis and is provided through Sun Life Financial. Employees must elect Voluntary Life Insurance for themselves to elect either Spouse and/or Child Voluntary Life.

How much does additional life insurance cost?

Costs are available at https://benefits.plansource.com.

If I purchase more coverage, do I have to fill out a medical questionnaire?

Not necessarily. If you are a new employee and first enrolling, you can purchase up to $300,000 of coverage without filling out a medical questionnaire, also called evidence of insurability (EOI). All other employees will need to complete a medical questionnaire if you want to increase your amount of coverage.

If I elect an amount that requires evidence of insurability (EOI), how do I provide it?

If EOI is required, you will be directed to go to the Sun Life website and complete the EOI questions online. You will then be notified by mail from Sun Life whether you are approved for coverage. Premiums subject to EOI will not be deducted from your pay until you have been approved.

My spouse also works for St. Johns County. Can we both buy coverage?

Yes. You may both purchase supplemental employee coverage. However, an employee can only be insured as an employee or a dependent, and not both.

How do I name a beneficiary for my life insurance?

You can name or change your beneficiaries at any time by logging onto online enrollment.

How long can my child be covered?

You can cover your child up to age 19, or up to the end of the calendar month in which they turn 26 if they are unmarried.

Can I take my insurance with me when I leave employment?

Yes. If you are under age 70 when your employment ends, you may elect to convert your term life insurance to whole life insurance, or simply take your term life insurance policy with you. You must contact Sun Life Financial within 31 days of your last day at work in order to be eligible for either of these options.

Please note that optional life insurance premiums are deducted from your payroll on a post-tax basis.

Voluntary Life Insurance AmountEmployee Up to $500,000 ($10,000 increments)Spouse Up to $150,000 ($5,000 increments)Dependent Child Up to $10,000 ($2,000 increments)

Voluntary Life Insurance



Income Protection

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Income Protection

Long Term Disability

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St. Johns County provides long term disability (LTD) to all benefits eligible employees. LTD is designed to replace part of your income in the event of disabling injuries or sickness, whether it occurs on or off the job. LTD plan benefits generally begin after an elimination period and will assist you in maintaining your normal lifestyle.

How much does the plan pay if I become disabled?

The plan replaces 60% of your monthly earnings, up to $5,000 per month. You must meet the plan’s definition of “disabled” to qualify for benefits and certain rules apply.

What is an Elimination Period?

An elimination period is the period of time between an injury or illness and when the benefit payments begin.

If I become disabled, how long will I receive benefits?

Benefits begin after 180 days of disability and generally continue until your disability ends or you reach your normal retirement age under Social Security whichever comes first. If you’re age 60 or older when your covered disability begins your benefits duration may differ.


Sample Monthly PremiumsSalary Age Option 1 Option 2

$25,00030 $17.60 $13.85 40 $19.90 $15.58 50 $29.13 $23.08

$35,00030 $24.63 $19.38 40 $27.87 $21.81 50 $40.79 $32.31

$50,00030 $35.19 $27.69 40 $39.81 $31.15 50 $58.27 $46.15


Short Term DisabilitySt. Johns County offers all benefit eligible employees two short term disability options through Sun Life Financial. Short term disability allows you to continue to receive pay at a fixed weekly amount for a temporary amount of time if you cannot work due to a non-work related disabling injury or illness.

How much coverage can I elect?

Both benefit options replace 60% of your weekly pay, up to $1,000 per week for a determined length of time based on your benefit period selection.

Do I have to provide evidence of insurability?

If you elect short term disability when you are a new employee and first eligible, EOI is not required. If you decline coverage when first eligible but choose to elect it later, EOI will be required before your coverage is effective.

What is a pre-existing condition?

A pre-existing condition is one for which you received treatment, a diagnosis, service or prescription drugs during the 3 months before your coverage began. If you become disabled in your first year of coverage as a result of this condition, no benefits will be payable for that disability.

If I become disabled, how long will I receive benefits?

If you select short term disability Option 1, benefits begin on the 15th day of disability, due to either an accident or illness, and generally continue for up to 24 weeks. If you select short term disability Option 2, benefits begin on the 30th day of disability, due to either an accident or illness, and generally continue for up to 22 weeks of a disability.

Can I use sick leave or vacation time while receiving short term disability benefits?

You may use accrued sick leave or vacation time while receiving short term disability benefits but the combination of the two cannot exceed 100% of pre-disability earnings.

Please note that short term disability premiums are deducted from your payroll on a post-tax basis.


Income Protection

Critical Illness Group #405003709, Accident Group #404002940 • 800.423.2765 • www.lfg.com

Sample Monthly PremiumsSalary Age Option 1 Option 2

$25,00030 $17.60 $13.85 40 $19.90 $15.58 50 $29.13 $23.08

$35,00030 $24.63 $19.38 40 $27.87 $21.81 50 $40.79 $32.31

$50,00030 $35.19 $27.69 40 $39.81 $31.15 50 $58.27 $46.15

Critical Illness and Accident Supplemental Coverage

The supplemental benefit options highlighted below are offered through Lincoln Financial Group for employees to enroll on a pre-tax basis, and are also portable benefits. These voluntary benefits help employees with copays, deductibles and lost wages when sick or hurt. Lincoln Financial Group pays you a cash benefit when you need it most, regardless of what your medical insurance covers. Visit the Sheriff’s Office Sharepoint > Benefits tab to download a claim form.


Voluntary Critical Illness with Cancer CoverageThis plan pays you a benefit if you are sick, to help offset out-of-pocket costs. TWO Benefit Options to choose from:

1. $20,000 Maximum Benefit Per Employee, $10,000 for Spouse and $5,000 per Child (NEW)2. $10,000 Maximum Benefit per Employee, $5,000 for Spouse and $5,000 per Child

Both Benefit Options include the following:• $100 Wellness Benefit• Pays 100% of Benefit for Heart Attack, Stroke, End Stage Renal Failure, Heart or Other Major Organ Transplant, Invasive

Cancer, ALS/Lou Gehrig’s, and Advanced Alzheimer’s or Parkinson’s Diseases.• Pays 25% of Benefit for Acute Respiratory Distress, Cancer in Situ, Benign Brain Tumor, Bone Marrow Transplant, Advanced

MS or Loss or Sight, Speech or Hearing

Voluntary Accident CoverageThis plan pays you benefits when an accident occurs, regardless of whether it is on or off the job.

Emergency Care

Ambulance $600 Air Ambulance $1,800

Emergency Room $300 Major Diagnostic Care $200

Hospitalization Benefits

Hospital Admission Hospital Daily Benefit $650

Intensive Care Daily Benefit $825 Alternate Care / Rehab Daily Benefit $130

Treatment Care Benefits

Initial Physician Office Visit $150 Follow-up Doctor Visit (6 max) $100

Transportation for Care (up to 3 times per accident) $700 Companion Lodging (up to 30 days per accident) $175

Fractures (per fracture) Non-surgical Fractures (per fracture) Surgical

Finger or Toe $200 Finger or Toe $400

Arm, Wrist, Elbow, Hand, Shoulder Blade $800 Arm, Wrist, Elbow, Hand, Shoulder Blade $1,600

Hip, Upper Leg (hip to knee) Pelvis, Skull $4,000 Hip, Upper Leg (hip to knee) Pelvis, Skull $8,000

Specific Injuries/Treatments

Coma $16,000 Joint Replacement $2,500 - $3,000

Rotator Cuff Treatment (per repair) $850 Burns $250 - $16,000

Transitional Care Benefits

Crutches $50 Prosthesis Per Limb / Device $1,000

Wheelchair $50 - $700 Modification to Home or Vehicle $5,000

Accidental Death and Dismemberment (AD&D)

Employee $80,000 Loss of or Loss of Use of One: Hand, Eye, Foot $30,000

Spouse $80,000 Loss of or Loss or Use of One: Arm, Leg $30,000

Child $25,000 Loss of or Loss of Use of One: Finger, Thumb, Toe $4,000

NEW!24 Hour

Coverage!

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Wellness Program

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PHA ProgramIn conjunction with the Wellness Program St. Johns County offers a voluntary Personal Health Assessment, or PHA program. This voluntary program is to help employees and their spouses lead and maintain a healthy lifestyle, through providing medical screenings, biometric testing and health coaching at the annual Wellness Expo. Employees can participate by attending the annual Wellness Expo, smaller wellness screening events, or through your doctor’s office or Quest Diagnostics. For more information, please see the separate PHA Guide available through your benefits unit.

• You may receive a $50 monthly health insurance credit if you complete your Personal Health Assessment (PHA) before September 30.

• If you cover your spouse under the County Medical Plan, you may receive an additional $50 monthly health insurance credit if your spouse also completes their PHA before September 30.

• Your credit will begin with your first pay in January and continue through December.

The Florida Department of Health recently named St. Johns County a 2015 Healthy Weight Community Champion after recognizing the County’s extensive efforts to promote health and wellness within the community. Through recreational programming and facilities, organized athletic programs, and an abundance of parks and natural amenities, St. Johns County encourages residents and visitors to live a healthy and active lifestyle.

The Healthy Weight Community Champion program recognizes Florida counties and municipalities that are making great progress and play an important role in promoting healthy living through policies and best practices that increase physical activity and improve nutrition. Program criteria includes access to hike and bike trails, sidewalks, parks, and recreational facilities. Policies that support mixed use developments, public transportation, public safety, physical activity, and an active lifestyle were also factors in the qualification process.

Additionally, St. Johns County was recently ranked as the Healthiest County in Florida for the fourth year in a row by a University of Wisconsin/Robert Woods Johnson Foundation study.

Wellness ProgramSt. Johns County offers a Wellness program which is an employer / employee health partnership designed to assist employees with guidance, encouragement, empowerment, and education to deal with health and fitness issues.

Wellness is important besides the obvious - that we all want to live long and healthy lives - because health care costs are increasing yearly and staying healthy is one of the best ways of reducing those costs.

The Wellness Program is available to all employees who are in active work status and eligible for benefits (as defined by St. Johns County Employee Benefits) are eligible to participate, along with eligible spouse and dependent children.

Care Management and Wellness ToolsFlorida Blue offers many disease management and care management options for all enrolled plan members. For more information regarding the programs listed below, or to access the Health and Wellness Center, log on to www.floridablue.com. Register if you have not already done so, select the Health and Wellness tab and choose from one of the menu options.

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Routine Wellness • Covered at 100% (no copay, deductible, or coinsurance) if the visit is coded routine and not diagnostic.

800-352-2583www.floridablue.com

Flu Shots • Members with Florida Blue’s pharmacy coverage can obtain a flu shot at no cost to the member from any in-network pharmacy which administers the Flu vaccine


EMedicine • Consult with your doctor on non-emergency health matters or symptoms—$20 Copay

• Receive or request lab results, request and send prescription refills—Free


Care Consultants • Get assistance in comparing your choices for medical services and prescriptions.

888-476-2227

Care Management Programs • Programs for diabetes, congestive heart failure, chronic obstructive pulmonary disease, asthma and cardiac conditions.

800-955-5692, Opt. 4www.floridablue.com

Healthy Addition® Prenatal Program

• Expectant mothers will receive free information and support to take care of yourself during pregnancy and understand your baby’s development.

800-955-7635, Opt. [email protected]

Health Dialog • Licensed nurses available 24/7 to provide support with significant medical decision and symptom management

877-789-2583

Decision Support ToolsResources Featuring WebMD

• WebMD Health Management Centers - Learn about making lifestyle changes leading to a healthier future (alcohol use, blood pressure, cholesterol, emotional health, exercise, nutrition, stress, tobacco and weight).

• WebMD Treatment Cost Advisor - Estimate out-of-pocket medical costs for common conditions, procedures, tests, and visits.

• WebMD Hospital Advisor - Review and compare cost and quality ratings to find the right hospital.

www.floridablue.com

Florida Blue Website • View benefit details, including deductible and out-pocket-maximum accumulators

• Print an ID card • Click to call Health Dialog or a Care Consultant • Create a provider directory • Access the Blue 365 Discount Program• Discounts for Nutrisystem and Jenny Craig Weight Management Programs, Snap Fitness, Gold’s Gym, fitness apparel, vision, LASIK, hearing aids, and more.

www.floridablue.com

Diabetic ResourcesDid you know that if you’re dealing with a chronic health condition, such as diabetes, there are free resources available?

DME and Home Health Providers

Health Coaches 877-789-2583 • Care Consultants 888.476.2227

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CareCentrix, Florida Blue’s DME supplier, has an established network of providers, accessible throughout Florida, which many Florida Blue providers are already part of.

ServicesDurable Medical Equipment (DME) is any medical equipment used in the home to aid in a better quality of living. Examples of DME include a nebulizer, CPAP machine and supplies, wheelchair, a boot, or diabetic supplies.Home Health Agencies provides professional home health services, such as wound care, medication teaching, pain management, disease education and management, speech therapy, physical therapy or occupational therapy. Home care is often an integral component of the post-hospitalization recovery process, especially during the initial weeks after discharge when the patient still requires some level of regular physical assistance.

How to Find a Participating ProviderTo find participating, in-network providers for DME and Home Health Care services, go to www.floridablue.com and click on Find a Doctor.

Under Step 1, choose Support Service and select either Durable/Home Medical Equipment or Home Health Agency. Under Step 2, select your plan name.Under Step 3, fill in the criteria for your location.Click the Search button and see your results.For more information, or for assistance in finding a provider, please call CareCentrix at (877) 561-9910. Or, call Florida Blue at (800) 352-2583.

• Through Florida Blue’s Nurses and Health Coaches, you can get personalized help, free of charge, 24 hours a day, every day.

• Additionally, educational materials and community resources are available by calling Florida Blue’s Care Consultant Team. Care Consultants are experts when it comes to connecting you with a dedicated nurse, explaining quality care and treatment options and helping you save money along the way.

• Florida Blue also offers various care management programs, to assist with healthy eating and exercise. Log on to the Florida Blue website and look for “Care Programs” under Health and Wellness. Then, click on one of the wellness programs listed on the right-hand side of the page.

• Insulin is covered through the pharmacy program with Prime Therapeutics while diabetic supplies are covered through Florida Blue’s Durable Medical Equipment (DME) provider network, Care Centrix. See below for more information.

Employee Assistance Program

You want to do your best on the job. But when you have something on your mind, it can affect your work as well as your home life. The way you feel affects the way you work, so we want you to have someone to turn to when you need help. The Employee Assistance Program (EAP) is a benefit of employment with St. Johns County, designed to help employees and their families deal with difficult life issues. Counselors are available 24 hours, 7 days a week.

800-624-5544 • www.ndbh.com (passcode: SJSO)

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What is the goal of the EAP?The goal of the EAP is to help you restore balance. New Directions Behavioral Health can help you achieve your goals through the right information and short-term counseling.

How does the EAP work?The EAP provides you with counseling as well as referrals to legal, financial, child and elder care resources, which give you even more resources to keep work and life balanced.

What issues can the EAP help me with?• Stress at home or on the job• Questions about health lifestyle• Attorney referrals for legal needs• Financial needs such as budgeting• Parenting concerns• Aging and retirement• Drugs and alcohol• Depression and anxiety• Conflicts and communication• Help with problem solving• Support during difficult life events

What services does the EAP include?• 24/7 resource center• Assessment of individual problems• Referrals to behavioral health and community

resources• Orientation and program promotion• Telephone and video consultation• Short-term counseling• Training for supervisors and employees• Formal management referral• Crisis management• Work/life programs• Online tools/sessions• Legal and financial services

Will anyone know that I have used the EAP?No one will know you are using the EAP unless you tell them. HIPAA regulations for confidentiality are strictly followed. You must sign a Release of Information before your counselor is allowed to communicate any information, except by those situations required by law where there is a danger to self or others.

How To Find a ProviderFlorida Blue and Humana offer quick and easy tools to help you find a new in-network doctor or specialist in your area. Never rely on your medical, dental or vision provider to tell you whether you are in– or out-of-network. Always make sure to check the online provider directory before each appointment.

Blue Card ProgramWhen you’re a FloridaBlue member, you take your healthcare benefits with you – across the country and around the world. The BlueCard Program gives you access to doctors and hospitals almost everywhere, giving you the peace of mind that you’ll be able to find the healthcare provider you need.

Within the United States you’re covered whether you need care in urban or rural areas. Outside of the United States, you have access to doctors and hospitals in nearly 200 countries and territories around the world through the BlueCard Worldwide® Program.

Take charge of your health, wherever you are: 1) Always carry your current Blue Cross and Blue Shield ID card; 2) In an emergency, go directly to the nearest hospital; 3) To find nearby doctors and hospitals, call BlueCard Access® at 1.800.810.BLUE (2583) or visit http://provider.bcbs.com/; 4) Call your Blue Plan for precertification or prior authorization, if necessary. The phone number is located on your ID card, and; 5) When you arrive at the participating doctor's office or hospital, show the provider your ID card.

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MedicalGo to www.floridablue.com and click on “Find a Doctor.” From the Which Plan Do You Have? drop down list, select Blue Options or Blue Choice and click “Continue.” Select a Provider Type in Florida and choose any additional specialties. Then, Select A Location by entering the number of miles for which you want to perform the search and your zip code. You can choose to enter Additional Search Criteria, such as a specific provider name or whether the provider is accepting new patients. Click “Search Now.”

DentalGo to www.humana.com and click on “Search” under “Find a Doctor” in the middle of the page. Select “Dental” as the Search Type and click “Go.” On Step 1, select “PPO.” On Step 2, enter your zip code. From the Network drop down menu in Step 3, choose “PPO/Traditional Preferred.” In Step 4, choose whether to search by “Name”, “Specialty” or select “All” to search within the entire network for all dentist types. Click “Search.”

VisionGo to www.humanavisioncare.com and click on “HumanaVision VCP Provider Locater” under “HumanaVision VCP Tools” at the bottom left of the page. Search by street address or zip code, and provider name (optional). Click “Search.”

Planning for RetirementMy FRS Financial Planners: 866-446-9377 • Website: www.myfrs.com

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Florida Pension Plan (FPP)The FPP is known as a Defined Benefit plan, which is an employer-sponsored retirement plan under which members are promised a lifetime benefit at retirement if they meet certain age and/or service requirements. The benefit amount is based on the member’s earnings, length of service, and service accrual value. Promised benefits are pre-funded by contributions made by the employer, employee, or both, plus investment earnings. All promised benefits to current and future retirees and other eligible beneficiaries are guaranteed under the plan. Members who participate in the FPP are eligible to join the Deferred Retirement Option Program or DROP, which is an elective program available for eligible members of the FRS Pension Plan, TRS, and SCOERS who are eligible for normal retirement. Under this program, a member effectively retires and continues covered employment for up to five years. While in DROP, the member’s monthly retirement benefits accumulate, earning interest and annual cost-of-living adjustments. When the DROP period concludes, the participant terminates covered employment and begins receiving a predetermined monthly retirement benefit, as well as the accrued DROP benefit.

Florida Investment Plan (FIP)The FIP is knows as a Defined Contribution Plan - which is an employer-sponsored retirement plan under which contributions are made by the employer, employee, or both, to individual member accounts to generate funds for future distribution to the member. The benefit amount is the sum that accumulates in the member’s account, based on contributions made, plus investment earnings, less fees and expenses. Members may have to meet certain age and/or service requirements to receive account accumulations. It is the responsibility of the member (employee) to ensure, through investment, that sufficient moneys are raised to provide adequate income in retirement.

For more detailed information on the plans offered by The Florida Retirement System, please go to www.MyFRS.com or call the toll-free FRS Financial Guidance Line at 1-866-446-9377 to speak with an unbiased Ernst & Young financial planner.

A 457(b) plan is a non-qualified tax-deferred compensation plan designed to help you invest regularly for your retirement. It is offered to you through your employer and is available only to state or local employees and certain employees of many tax-exempt organizations. The 457(b) plan is designed as a long-term retirement plan. With a 457(b) plan, employees set aside money for retirement on a pre-tax basis through a salary deferral agreement with their employer. The money contributed is directed into an investment company offered by St. Johns County. The 457(b) contributions can be invested among a selection of investment options, the invested contributions can grow tax deferred until withdrawal at retirement or termination of employment. Federal tax law limits the amount of contributions that can be contributed annually to all 457(b) plans on your behalf, including salary deferrals.

401(a) PlanThe 401(a) is a retirement plan administered by Mass Mutual and contributed to by SJSO. Only your employer can contribute to this plan. If you contribute the required minimum annual amount ($1,800 for Certified Employees and $600 for Non-Certified Employees during the Sep 1 - Aug 31 fiscal year) to your 457(b) account, you may be eligible to have SJSO deposit funds to your 401(a) account as of August 31 of each year, if funds are available (funds are not guaranteed).

The above information is a brief summary of the retirement options available to FRS-covered employees and is written in non-technical terms. It is not intended to include every program detail. Complete details can be found in Chapter 121, Florida Statutes, and the rules of the State Board of Administration of Florida in Title 19, Florida Administrative Code. In case of a conflict between the information in this

publication and the statutes and rules, the provisions of the statutes and rules will control.

Deferred Compensation - 457(b) Plan

Enrollment and Eligibility

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Enrolling for BenefitsAnnual Open Enrollment is October 1 through October 31. Coverage elected during Annual Enrollment becomes effective on January 1 of each year. To enroll in benefits, login to Plan Source by going to Sharepoint > Benefits Tab > Quick Links. For assistance with your enrollment, please contact your Benefits Unit. NOTE: Newly eligible employees will have 60 days from date of hire, or transition to benefits eligible status, to complete benefit elections. Your benefits will be effective the first of the month following 60 days.

Enrolling DependentsCan I enroll my spouse and/or children for coverage during Annual Enrollment?If you are eligible for coverage, you can also enroll your spouse and/or eligible dependent children for medical, prescription, dental, vision, and spouse and/or child life insurance. You must provide documentation proving that your dependents meet eligibility requirements.

How do I know if my dependents are eligible for medical coverage?Eligible dependents include:• Your legal spouse under a legally valid existing

marriage• Your children (or stepchildren) by birth, marriage,

legal adoption, or legal guardianship or custodianship, up to the end of the month in which they turn 26

• Your children of any age who became totally and permanently disabled before age 26

What documentation proving my dependents’ eligibility is required to add them to my coverage?For a spouse:• Marriage Certificate and one of the following:• Front page of filed tax return, confirming this

dependent as a spouse, or;• Document establishing current relationship status

such as joint household bill, joint bank/credit account, joint mortgage/lease or insurance policies, or;

• Document establishing current residency, both employee and spouse’s name must appear on the document with current address

Note: Above documentation (with exception of marriage certificate) must be dated within the last six months.For dependent child(ren):• Birth certificate naming you as the child’s parent, or;• Appropriate court order/adoption decree naming

you or your spouse as the child’s legal guardian.For stepchildren:• Birth certificate, and;• Above documentation required for a spouse

Is there a deadline for providing this documentation?Yes. Documentation for adding spouse and/or eligible dependent child(ren) must be received in your Benefits Unit within 30 days of enrolling.NOTE: You will not be contacted by your Benefits Unit requesting this documentation. This is the employee’s responsibility.

What if I fail to provide the required documentation by the deadline?If documentation is not provided by the deadline, coverage for the dependent will be denied.

Changing Your BenefitsCan I add, drop or change my (or my dependents’) coverage during the year?Generally, you cannot change your benefit elections during the year unless you experience a qualifying life event, such as marriage, divorce, birth, adoption or a gain or loss of coverage by your spouse or dependent child. IMPORTANT: It is required that you submit your qualifying life events and all supporting documents to your Benefits Unit within 30 calendar days of any change in status.

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Important NoticesHealth Insurance Marketplace

PART A: General InformationWhen key parts of the health care law took effect 2014, there became a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment-based health coverage offered by your employer.

What is the Health Insurance Marketplace?The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers” one-stop shopping” to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly insurance premium right away.

Can I Save Money on my Health Insurance Premiums in the Marketplace?You may qualify to save money or lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that does not meet certain standards. The savings on your premium that you are eligible for depends on your household income.

Does Employer Health Coverage Affect Premium Savings through the Marketplace?Yes. If the health coverage from your employer meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer’s health plan. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the “minimum value” standard set up the Affordable Care Act, you may be eligible for a tax credit.1

Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by St. Johns County, you will lose the employer contribution to the employer-offered coverage. Also, this employer contribution - as well as your employee contribution to employer-offered coverage - is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis.

How Can I Get More Information?For more information about your employer coverage, please check your Summary Plan Description or contact your Benefits Administrator. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area. You may also contact an individual health agent at The Bailey Group.

PART B: Information about Health Coverage Offered by Your EmployerThis section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. The information below is numbered to correspond to the Marketplace application.

3. Employer Name: St. Johns County 4. Employer Identification Number: 59-60008255. Employer Address: 4015 Lewis Speedway 6. Employer Phone Number: (904) 209-06557. City: St. Augustine 8. State: FL 9. Zip Code: 3208410. Who can we contact about associate health coverage at this job? SJSO Benefits Unit11. Phone Number: (904) 209-1492 12. Email Address: [email protected] As your employer, we offer a health plan to Some employees. Eligible Employees are Full-time, active employee normally scheduled to work a minimum of 30 hours per week, on the regular payroll of the Company, and in a class of employees eligible for coverage.

With respect to dependents, we do offer coverage. Eligible dependents are defined as the Covered Employee’s spouse under a legally valid existing marriage as defined by Florida Law, Dependent Child(ren) up to age 26 and the newborn child of a Covered Dependent child up to 18 months.

This coverage meets the minimum value standard, and the cost to you is intended to be affordable, based on employee wages.DOL Form OMB 1210-0149 exp.1/31/2017

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Premium Assistance Under Medicaid and Children’s Health Insurance Program (CHIP)If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your dependents are already enrolled in Medicaid or CHIP, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS-NOW or www.insurekidsnow.gov to find out how to apply. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. Contact the State of Florida Medicaid program for information on eligibility – http://www.flmedicaidtplrecovery.com or by Phone: 1-877-357-3268. If you or your children are not eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.

Section 125 Qualifying Life Events & Benefit Election Changes Under IRC § 125, you are allowed to pay for certain group insurance premiums with tax-free dollars. This means your premium deductions are taken out of your paycheck before federal income and Social Security taxes are calculated. You must make your benefit elections carefully, including the choice to waive coverage. Your pretax elections will remain in effect until the next annual Open Enrollment period, unless you experience an IRS-approved qualifying life event. A qualifying life event, also known as a “Family Status Change,” is a change in your personal life that may impact you or your dependents’ eligibility for benefits under the employer group medical plan. Qualifying life events include, but are not limited to:

Marriage or divorce, death of spouse or other dependent, birth or adoption of a child, a spouse’s employment begins or ends, a dependent’s eligibility status changes due to age, student status, marital status, or employment status, and you or your spouse experience a change in work hours that affects benefit eligibility.

Note: Your qualified status change must be consistent with the event. You must notify SJSO Benefits Unit within 30 days of your qualifying life event.

Women’s Health & Cancer Rights Act of 1998 (WHCRA) NoticeIf you have had or are going to have a mastectomy, you may be entitled to certain benefits under the WHCRA. For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for:

All stages of reconstruction of the breast on which the mastectomy was performed, prostheses, treatment of physical complications of the mastectomy, including lymphedema, and surgery and reconstruction of the other breast to produce a symmetrical appearance.

These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. If you would like more information on WHCRA benefits, call the Plan Administrator (contact information provided at the end of this communication).

Credible Coverage & Medicare NoticeThis notice has information about your current prescription drug coverage with your employer group plan and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.2. The Plan Administrator has determined that the prescription drug coverage offered by your employer’s group medical plan is, on average for all participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th through December 31st. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. If you decide to join a Medicare drug plan and drop your current coverage under the employer group medical plan, be aware that you and your dependents will not be able to get this coverage back. See pages 7- 9 of the CMS Disclosure of Creditable Coverage To Medicare Part D Eligible Individuals Guidance (available at http://www.cms.hhs.gov/CreditableCoverage/). You should also know that if you drop or lose your current coverage with your employer and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.For More Information About This Notice or Your Current Prescription Drug Coverage Contact SJSO Benefits Unit.For More Information About Your Options Under Medicare Prescription Drug Coverage…

Visit www.medicare.gov or call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help. Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.

NOTE: You will also get this notice before the next period you can join a Medicare drug plan, and if your current coverage changes. You also may request a copy of this notice at any time. Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty). If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call 1-800-772-1213 (TTY 1-800-325-0778).

CMS Form 10182-CC

Date: 10/01/2014

Name of Entity: St. Johns County Sheriff’s Office

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Notice to Employees in a Self-Funded Non-federal Governmental Group Health PlanUnder a Federal law known as the Health Insurance Portability and Accountability Act of 1996 (HIPAA), Public Law 104-191, as amended, group health plans must generally comply with the requirements listed below. However, the law also permits State and local governmental employers that sponsor health plans to elect to exempt a plan from these requirements for any part of the plan that is “self-funded” by the employer, rather than provided through a health insurance policy. St. Johns County has elected to exempt the St. Johns County Self-Funded Medical Plan from the following requirements:Parity in the application of certain limits to mental health benefitsGroup health plans (of employers that employ more than 50 employees) that provide both medical and surgical benefits and mental health or substance use disorder benefits must ensure that financial requirements and treatment limitations applicable to mental health or substance use disorder benefits are no more restrictive than the predominant financial requirements and treatment limitations applicable to substantially all medical and surgical benefits covered by the plan. This basically means that your current mental health and substance abuse benefits provided under the St. Johns County Self-funded Medical Plan will not be changed. The exemption from these Federal requirements will be in effect for the 2015 Plan Year beginning 1/1/2015 and ending 12/31/2015. The election may be renewed for subsequent plan years. HIPAA also requires the Plan to provide covered employees and dependents with a “certificate of creditable coverage” when they cease to be covered under the Plan. There is no exemption from this requirement. The certificate provides evidence that you were covered under this Plan, because if you can establish your prior coverage, you may be entitled to certain rights to reduce or eliminate a preexisting condition exclusion if you join another employer’s health plan, or if you wish to purchase an individual health insurance policy. If you have any further questions, please contact Rachael Friedman at The Bailey Group at 904-461-1800.

St. Johns County Notice of Privacy Practices

UNDERSTANDING YOUR HEALTH RECORD/INFORMATIONEach time you visit a hospital, physician, dentist, or other healthcare provider, a record of your visit is made. Typically, this record contains your symptoms, examination and test results, diagnoses, treatment, and a plan for future care or treatment. This information often referred to as your health or medical record, serves as a basis for planning your care and treatment and serves as a means of communication among the many health professionals who contribute to your care. Understanding what is in your record and how your health information is used helps you to ensure its accuracy, better understand who, what, when, where, and why others may access your health information, and helps you make more informed decisions when authorizing disclosure to others.

YOUR HEALTH INFORMATION RIGHTSUnless otherwise required by law, your health record is the physical property of the health plan that compiled it. However, you have certain rights with respect to the information. You have the right to:• Receive a copy of this Notice of Privacy Practices from us upon enrollment or upon request.• Request restrictions on our uses and disclosures of your protected health information for treatment, payment and health care operations. We

reserve the right not to agree to a given requested restriction.• Request to receive communications of protected health information in confidence.• Inspect and obtain a copy of the protected health information contained in your medical or billing records and in any other of the organization’s

health records used by us to make decisions about you. • Request an amendment to your protected health information. However, we may deny your request for an amendment, if we determine that the

protected health information or record that is the subject of the request: was not created by us, unless you provide a reasonable basis to believe that the originator of the protected health information is no longer available to act on the requested amendment; is not part of your medical or billing records; is not available for inspection as set forth above; or is accurate and complete. In any event, any agreed upon amendment will be included as an addition to, and not a replacement of, already existing records.

• Receive an accounting of disclosures of protected health information made by us to individuals or entities other than to you, except for disclosures: to carry out treatment, payment and health care operations as provided above; to persons involved in your care or for other notification purposes as provided by law; to correctional institutions or law enforcement officials as provided by law; for national security or intelligence purposes; that occurred prior to the date of compliance with privacy standards (April 14, 2003 or April 14, 2004 for small health plans); incidental to other permissible uses or disclosures; that are part of a limited data set (does not contain protected health information that directly identifies individuals); made to plan participant or covered person or their personal representatives; for which a written authorization form from the plan participant or covered person has been received

• Revoke your authorization to use or disclose health information except to the extent that we have already taken action in reliance on your authorization, or if the authorization was obtained as a condition of obtaining insurance coverage and other applicable law provides the insurer that obtained the authorization with the right to contest a claim under the policy.

• Receive notification if affected by a breach of unsecured PHI

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HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSEDThis organization may use and/or disclose your medical information for the following purposes:

Treatment: We may use or disclose your health information without your permission for health care providers to provide you with treatment.Payment: We may use or disclose your health information without your permission to carry out activities relating to reimbursing you for the provision of health care, obtaining premiums, determining coverage, and providing benefits under the policy of insurance that you are purchasing. Such functions may include reviewing health care services with respect to medical necessity, coverage under the policy, appropriateness of care, or justification of charges.To Carry Out Certain Operations Relating to Your Benefit Plan: We also may use or disclose your protected health information without your permission to carry out certain limited activities relating to your health insurance benefits, including reviewing the competence or qualifications of health care professionals, placing contracts for stop-loss insurance and conducting quality assessment activities.To Plan Sponsor: Your protected health information may be disclosed to the plan sponsor as necessary for the administration of this health benefit plan pursuant to the restrictions imposed on plan sponsors in the plan documents. These restrictions prevent the misuse of your information for other purposes.Health-Related Benefits and Services: We may contact you to provide information about other health-related products and services that may be of interest to you. For example, we may use and disclose your protected health information for the purpose of communicating to you about our health insurance products that could enhance or substitute for existing health plan coverage, and about health-related products and services that may add value to your existing health plan.Individuals Involved in Your Care or Payment for Your Care: Unless you object, we may disclose your protected health information to your family or friends or any other individual identified by you when they are involved in your care or the payment for your care. We will only disclose the protected health information directly relevant to their involvement in your care or payment. We may also disclose your protected health information to notify a person responsible for your care (or to identify such person) of your location, general condition or death.Business Associates: There may be some services provided in our organization through contracts with Business Associates. An example might include a copy service we use when making copies of your health record. When these services are contracted, we may disclose some or all of your health information to our Business Associate so that they can perform the job we have asked them to do. To protect your health information, however, we require the Business Associate to appropriately safeguard your information.Limited Data Sets: We may use or disclose, under certain circumstances, limited amounts of your protected health information that is contained in limited data sets. These circumstances include public health, research, and health care operations purposes.Organ and Tissue Donation: If you are an organ donor, we may release medical information to organizations that handle organ procurement or organ, eye or tissue transplantation or to an organ donation bank, as necessary to facilitate organ or tissue donation and transplantation.

Worker's Compensation: We may release protected health information about you for programs that provide benefits for work related injuries or illness.Communicable Diseases: We may disclose protected health information to notify a person who may have been exposed to a disease or may be at risk for contracting or spreading a disease or condition.Health Oversight Activities: We may disclose protected health information to federal or state agencies that oversee our activities.Law Enforcement: We may disclose protected health information as required by law or in response to a valid judge ordered subpoena. For example in cases of victims of abuse or domestic violence; to identify or locate a suspect, fugitive, material witness, or missing person; related to judicial or administrative proceedings; or related to other law enforcement purposes.Military and Veterans: If you are a member of the armed forces, we may release protected health information about you as required by military command authorities.Lawsuits and Disputes: We may disclose protected health information about you in response to a court or administrative order. We may also disclose medical information about you in response to a subpoena, discovery request, or other lawful process.Inmates: If you are an inmate of a correctional institution or under the custody of a law enforcement official, we may release protected health information about you to the correctional institution or law enforcement official. An inmate does not have the right to the Notice of Privacy Practices.Abuse or Neglect: We may disclose protected health information to notify the appropriate government authority if we believe a patient has been the victim of abuse, neglect or domestic violence. We will only make this disclosure if you agree or when required or authorized by law.Coroners, Medical Examiners, and Funeral Directors: We may release protected health information to a coroner or medical examiner. This may be necessary to identify a deceased person or determine the cause of death. We may also release protected health information about patients to funeral directors as necessary to carry out their duties.Public Health Risks: We may disclose your protected health information for public health activities and purposes to a public health authority that is permitted by law to collect or receive the information. The disclosure will be made for the purpose such as controlling disease, injury or disability.Serious Threats: As permitted by applicable law and standards of ethical conduct, we may use and disclose protected health information if we, in good faith, believe that the use or disclosure is necessary to prevent or lessen a serious and imminent threat to the health or safety of a person or the public.Food and Drug Administration (FDA): As required by law, we may disclose to the FDA health information relative to adverse events with respect to food, supplements, product and product defects, or post marketing surveillance information to enable product recalls, repairs, or replacement.For Purposes For Which We Have Obtained Your Written Permission: All other uses or disclosures of your protected health information will be made only with your written permission, and any permission that you give us may be revoked by you at any time.

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INFORMATION WE COLLECT ABOUT YOU We collect the following categories of information about you from the following sources:• Information that we obtain directly from you, in conversations or on applications or other forms that you fill out.• Information that we obtain as a result of our transactions with you.• Information that we obtain from your medical records or from medical professionals.• Information that we obtain from other entities, such as health care providers or other insurance companies, in order to service your policy or carry out

other insurance-related needs.

GENETIC INFORMATION We will not use genetic or disclose genetic information or results from genetic services for underwriting purposes, such as: • Rules for eligibility or benefits under the health plan;• The determination of premium or contribution amounts under the health plan;• The application of any pre-existing condition exclusion under the health plan; and• Other activities related to the creation, renewal or replacement of a contract of health insurance or health benefits.

OUR RESPONSIBILITIESWe are required to maintain the privacy of your health information. In addition, we are required to provide you with a notice of our legal duties and privacy practices with respect to information we collect and maintain about you. We must abide by the terms of this notice. We reserve the right to change our practices and to make the new provisions effective for all the protected health information we maintain. If our information practices change, a revised notice will be mailed to the address you have supplied upon request. If we maintain a Web site that provides information about our services or benefits, the new notice will be posted on that Web site. Your health information will not be used or disclosed without your written authorization, except as described in this notice. The following uses and disclosures will be made only with explicit authorization from you: (i) uses and disclosures of your health information for marketing purposes, including subsidized treatment communications; (ii) disclosures that constitute a sale of your health information; and (iii) other uses and disclosures not described in the notice. Except as noted above, you may revoke your authorization in writing at any time.

OUR PRACTICE REGARDING CONFIDENTIALITY AND SECURITYWe restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

OUR PRACTICE REGARDING CONFIDENTIALITY AND SECURITY FOR E-MAIL COMMUNICATIONIf you choose to communicate with us via e-mail, please be aware of the following due to the nature of e-mail communication: (a) privacy and security of e-mail messages are not guaranteed (b) we are not responsible for loss due to technical failures and (c) e-mail communication should not be used for emergencies or time and content sensitive issues.

POTENTIAL IMPACT OF STATE LAWIn some circumstances, the privacy laws of a particular state, or other federal laws, provide individuals with greater privacy protections than those provided for in the HIPAA Privacy Regulations. In those instances, we are required to follow the more stringent state or federal laws as they afford the individual greater privacy protections. For example, where such laws have been enacted, we will follow more stringent state privacy laws that relate to uses and disclosures of Protected Health Information concerning HIV or AIDS, mental health, substance abuse/chemical dependency, genetic testing, and reproductive rights.

NOTICE OF PRIVACY PRACTICES AVAILABILITY You will be provided a hard copy for review at the time of enrollment (or by the Privacy compliance date for this health plan). Thereafter, you may obtain a copy upon request, and the notice will be maintained on the organization’s Web site (if applicable Web site exists) for downloading.

FOR MORE INFORMATION OR TO REPORT A PROBLEMIf you have questions about this notice or would like additional information, you may contact our HIPAA Privacy Officer at the telephone or address below. If you believe that your privacy rights have been violated, you have the right to file a complaint with the Privacy Officer or with the Secretary of the Department of Health and Human Services. We will take no retaliatory action against you if you make such complaints. The contact information for both is included below.

U.S. Department of Health and Human ServicesOffice of the Secretary200 Independence Avenue, S.W.Washington, D.C. 20201Tel: (202) 619-0257Toll Free: 1-877-696-6775http://www.hhs.gov/contacts

St. Johns County Self-Funded Medical PlanBecky HessonChief Privacy Officer4015 Lewis SpeedwaySt. Augustine, FL 32084(904) 209-6611(904) 810-6619

Terri MarcumPrivacy Officer4015 Lewis SpeedwaySt. Augustine, FL 32084(904) 209-1492(904) 810-6619

Review notices and electronically sign to begin your election. First review the SBC Notice and choose “I Agree” and press “Continue.” The E-Signature screen will appear next. Type in your password and choose “Continue” to electronically sign.

Choose “Add Dependent” on the Update Dependent screen. You should verify/add all dependents, even if you are not enrolling them. This will allow the system to offer the benefits as needed. Press “Continue” at the bottom of the page to proceed through the enrollment. If your desired election does not appear, or your dependent is not showing, you must go back to this section and add them.

Review the information and update your personal data by inputting any requested information. The * indicates a required field. Remember to press “Continue” at the bottom of the page to proceed through the enrollment and only use the gray Plan Source “Back” button. Do NOT use the back button on your internet browser or your enrollment changes will be lost.

St. Johns County Sheriff’s Office is paperless! Before you begin, please make sure you have reviewed the benefit plans in this booklet and have all dependent information including date of birth and social security number.

Now You Are Ready to Enroll!PlanSource Online Enrollment

Self

For more information or assistance with your enrollment, please contact SJSO Benefits Unit or The Bailey Group.

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Continue through each benefit offering, choosing your desired election under the appropriate plan, or by declining the benefit entirely. If you elect coverage with dependents, check the box next to each dependent you would like enrolled. Choose “Continue” at the bottom to continue to the next benefit.

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Once you have completed each benefit election, the Confirmation page will appear. Review each benefit including all dependents to be added to be sure everything is correct. Once you have reviewed and confirmed all of the desired elections are correct, choose “Confirm” at the bottom of the page. Your benefit election will not be complete until you hit the “Confirm” button. Email a copy of this for your records by entering your email address and clicking “Send.”

Log on to https://benefits.plansource.com Username is your first initial, first six letters of your last name, last four of social. (Ex. John Smith - jsmith0410). Initial password will be your date of birth in the YYYYMMDD format.- For existing employees, select “Enroll - Annual” for open enrollment- If you are a new employee, select “Enroll - New Hire” - You may also select “Make a Change to My Benefits” if you would like to request a change to your benefits due to a life event

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st. johns county benefits - sjso benefits guide 2016.pdf · this benefits guide is an overview of...

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