EMPLOYEE BENEFIT HIGHLIGHTS

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CITRUS COUNTY BOARD OF COUNTY COMMISSIONERS

EMPLOYEE BENEFIT HIGHLIGHTS

Plan Year Effective October 1, 2015 through September 30, 2016

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IMPORTANT CONTACT INFORMATION

Citrus County Contact Name Contact Information

Board of County Commissioners Human Resources Department Phone: (352) 527-5370

Property Appraiser Rosa Scalzi Phone: (352) 341-6668_{Email: [email protected]}

Supervisor of Elections Elizabeth Atkinson Phone: (352) 341-6751 _{Email: [email protected]}

Clerk of Circuit Court Tanika Dupree Phone: (352) 341-6483 _{Email: [email protected]}

Service Provider Contact Information

Medical Insurance Florida Blue Customer Service: (800) 352-2583 _{www.floridablue.com} Prescription Drug Coverage &

Mail-Order Program PrimeMail Customer Service: (800) 352-2583 www.floridablue.com Dental Insurance Heritage Consultants Customer Service: (800) 282-2460_{www.myheritagebenefits.com}

Basic Life and AD&D Insurance Cigna Customer Service: (800) 732-1603_{www.cigna.com}

Voluntary Life and AD&D Insurance Cigna Customer Service: (800) 732-1603_{www.cigna.com}

Long Term Disability Cigna Customer Service: (800) 732-1603_{www.cigna.com}

Life Assistance Program Cigna Customer Service: (800) 538-3543_{www.cignabehavioral.com/cgi}

Supplemental Insurance Aflac

Agent: Gina Ballard Cell: (352) 302-2185

Email: [email protected] Fax: (352) 637-7274

www.aflac.com

Employee Health & Wellness Center CareHere

Phone: (877) 423-1330 Citrus County Resource Center 2804 W. Marc Knighton Court Key #10, Lecanto, FL 34461

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CITRUS COUNTY — 2015-2016 EMPLOYEE BENEFIT HIGHLIGHTS

Introduction

The Citrus County Board of County Commissioners provides a comprehensive compensation package including group insurance benefits. The Employee Benefit Highlights Booklet provides a general summary of these benefit options as a convenient reference. Please refer to the County’s Personnel Policies, applicable Union Contracts and/or Certificates of Coverage for detailed descriptions of all available employee benefit programs and stipulations therein. If you require further explanation or need assistance regarding claims processing, please refer to the customer service phone numbers under each benefit description heading or contact your Constitutional Office using the contact information provided below.

Notices

Children’s Health Insurance Program (CHIP)

This provision provides employees and dependents a special enrollment right in group medical plan coverage, without having to wait for an open enrollment period, for a loss of eligibility or becoming eligible for premium assistance under CHIP or Medicaid if requested within 60 days of gain/loss of eligibility for premium assistance under CHIP or Medicaid.

COBRA Continuation of Medical Coverage Benefits

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employees and/or dependents may be able to continue their enrollment in certain health plans such as medical and dental, if such coverage is terminated or changed due to a qualifying event.

Health Insurance Portability & Accountability Act (HIPAA)

HIPAA nondiscrimination provisions state that individuals may not be denied eligibility or continued eligibility to enroll in a group medical plan based on medical factors, or charged more for coverage than similar employees.

Health Insurance Privacy (PHI)

The employer/plan sponsor of a Group Medical Plan must comply with applicable federal and state laws to maintain the privacy of your Protected Health Information (PHI). PHI may not be used or disclosed for purposes other than enrollment, treatment, payment, operations and disclosures required by HIPAA law without a valid authorization.

Notice of Privacy Practice of Citrus County

The Privacy Notice of the County is available and you can obtain a copy by contacting Human Resources or by logging onto www.bocc.citrus.fl.us.

Medicare D Creditable Coverage

Citrus County’s prescription drug coverage(s) is considered Creditable Coverage under Medicare Part D. If you or your dependents are or will be eligible for Medicare, you may obtain more information by requesting a Medicare D Disclosure of Creditable Coverage Notice.

Woman’s Health and Cancer Rights Act of 1998 (WHCRA)

Citrus County’s medical plan provides medical and surgical benefits for post-mastectomy related services including all stages of reconstruction, surgery to achieve symmetry, prostheses and treatment for complications, including lymphedema.

All notices are posted on the Employee Intranet http://intranet/ under the Human Resources Link, and on the Citrus County Board of County Commissioner website http://www.bocc.citrus.fl.us/ under the Human Resources Department. Paper copies are also available free of charge in the Human Resources Department.

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2 All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.

Medical Insurance

Summary of Benefits and Coverage

A

Summary of Benefits & Coverage (SBC)

for each Medical Plan Option is

provided as a

supplement

to this booklet which is being distributed to new hires and existing employees

during open enrollment. These summaries are an important item in understanding your

benefit options. A free paper copy of the SBC document may be requested or is available

as follows:

From:

Human Resources Department

Address:

3600 W. Sovereign Path, Suite 178

Lecanto, FL 34461

Phone:

(352) 527-5370

Email:

[email protected]

At Website URL:

www.citrusbocc.com

The SBC is only a summary of the plan’s coverage. A copy of the plan document, policy, or

certificate of coverage should be consulted to determine the governing contractual provisions

of the coverage. A copy of the actual group certificate of coverage can be reviewed and

obtained by contacting the Human Resources Department or at the following web address:

www.citrusbocc.com.

If you have any questions about the plan offerings or coverage options, please contact the

Human Resources Department at (352) 527-5370.

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Group Insurance Eligibility

The County’s group insurance plan year is October 1st through September 30th. Employee Eligibility

Benefit eligible employees working a minimum of 30 hours per week are eligible to participate in the County’s insurance plan, coverage will be effective the first of the month following a 30 day waiting period.

Benefit eligible employeesworking a minimum of 20 hours a week will be required to work for 12 consecutive months to become eligible for benefits after the appropriate waiting period.

An Employee who works less than 20 hours a week, will NOT eligible for benefits.

Termination

If you separate employment from the County, insurance will continue through the end of the month in which the separation occurred. COBRA continuation of coverage may be available as applicable by law.

Dependent Eligibility

A dependent is defined as the legal spouse and/or dependent child(ren) of the participant or the spouse. The term “child” includes any of the following:

Disabled Dependents

Coverage for an unmarried dependent child may be continued beyond age 26 if:

1. The dependent is physically or mentally disabled and incapable of self-sustaining employment; AND 2. The dependent is otherwise eligible for coverage under the group medical plan; AND

3. The dependent has been continuously insured; AND 4. Coverage began prior to the age of 19.

Proof of disability will be required upon request. Please contact Human Resources if further clarification is required. Taxable Dependents

IRS guidelines state that an employee may not receive a tax advantage on any portion of premium paid related to non-qualified dependents; therefore, employees covering adult children under their medical insurance plan may continue to have the related coverage premiums payroll deducted on a pre-tax basis through the end of the Calendar Year in which the child reaches age 26. Beginning January 1st of the Calendar Year in which the child reaches age 27 through the end of the Calendar Year in which the child reaches age 30, that portion of medical insurance premium that is attributable to covering the overage dependent (the “OAD value”) will be deducted on a post-tax basis. The remaining employee contribution, (i.e., the amount over and above the OAD value) will continue to be deducted on a pre-tax basis. Please refer to the medical premium pages. You may contact Human Resources for further details if you are covering an adult child who will turn 27 any time during the upcoming Calendar Year or for more information.

• A natural child • A foster child • A child for whom legal guardianship has been awarded to the participant or the participant’s spouse

• A stepchild • A newborn (up to age 18 months) of a covered dependent (Florida) • A legally adopted child

Eligibility requirements for eligible Over-Age Dependents were eliminated for group insurance. Dependents may be covered by the medical plan through the end of the calendar year in which the child turns age 30. For dental, coverage may be continued through the end of the calendar year the child reaches age 25.

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Qualifying Events and IRS Code Section 125

IRS Code Section 125

Premiums for medical, dental insurance and/or certain supplemental policies are deducted through a Cafeteria Plan established under Section 125 of the Internal Revenue Code (IRC) and are pre-tax to the extent permitted. Under Section 125, changes to your pre-tax benefits can be made ONLY during the Open Enrollment period unless you or your qualified dependents experience a qualifying event and the request to make a change is made within 30 days of the qualifying event.

Under certain circumstances, you may be allowed to make changes to your benefit elections during the plan year, if the event affects your own, your spouse’s, or your dependent’s coverage eligibility. An “eligible” qualifying event is determined by the Internal Revenue Service (IRS) Code, Section 125. Any requested changes must be consistent with and on account of the qualifying event.

Examples of Qualifying Events • You get married or divorced • Birth of a child

• You gain legal custody or adopt a child • Your spouse and/or other dependent(s) die(s)

• You, your spouse, or dependent(s) terminate or start employment

• An increase or decrease in your work hours causes eligibility or ineligibility • A covered dependent no longer meets eligibility criteria for coverage • A child gains or loses coverage with an ex-spouse

• Change of coverage under an employer’s plan • Gain or loss of Medicare coverage

• Losing eligibility for coverage under a State Medicaid or CHIP (including Florida Kid Care) program (60 day notification period) • Becoming eligible for State premium assistance under Medicaid or CHIP (60 day notification period)

IMPORTANT

If you experience a qualifying event, contact your benefits representative from the Board or your Constitutional Office to make the appropriate changes to your coverage. Your request must take place within 30 days of the qualifying event. Beyond 30 days, requests will be denied and the employee may be responsible both legally and financially for any claim and/or expense incurred as a result of a dependent who continues to be enrolled but no longer meets the County’s eligibility requirements. If approved, changes to add coverage will take place the latter of the date of the qualifying event or the date of the written request for change in coverage is received by Human Resources, except for newborns and marriage, which are effective on the date of the qualifying event. Changes to cancel coverage will take place on the first of the month following the qualifying event (ie. divorce, change to POA time status), except cancellation of coverage following a death which terminates on the subsequent day. You will be required to provide valid documentation supporting the qualifying event such as a marriage certificate, birth certificate, divorce decree, or death certificate.

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Medical Insurance Premiums

How to Locate a Provider

To search for a participating provider, contact Customer Service or visit www.floridablue.com. Click the “Find a Doctor” tab and under “Select a Plan,” select “BlueOptions” as your plan type from the drop down and then “Continue.” Complete the additional Search Criteria and click “Search now.”

The County provides medical insurance through Florida Blue to benefit eligible employees. The costs per pay period for coverage are listed in the premium tables below. For information about your medical plan please refer to the Summary of Benefits and Coverage (SBC) provided.

Tier of Coverage _{with Tobacco Affidavit}Employee Cost _{without Tobacco Affidavit*}Employee Cost

Employee Only $0.00 $25.00

Employee + Family $273.45 $298.45

Tier of Coverage _{with Tobacco Affidavit}Employee Cost _{without Tobacco Affidavit*}Employee Cost

Employee Only $27.35 $52.35

Employee + Family $328.15 $353.15

Medical Insurance – Florida Blue - BlueOptions Base Plan

Payroll Deduction Per Pay Period

Medical Insurance – Florida Blue - BlueOptions Buy-Up Plan

Payroll Deduction Per Pay Period

*The Tobacco Use Surcharge will take effect April 1, 2016 and will be payroll deducted if an affidavit is not completed.

The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefits Highlights Booklet is your primary source of information regarding your Florida Blue medical plans. The information contained in this Booklet regarding your medical plans is intended to supplement your (SBC) and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan please contact Florida Blue’s Customer Service at (800) 352-2583.

Tobacco Use Surcharge

The County will be implementing a “tobacco free” incentive for all employees covered under our medical plan. If an employee is a non-tobacco user, the County will waive a $50.00 per month charge to the insurance premium currently paid. Current tobacco users that have not completed a tobacco cessation course, however, will be responsible for the $50.00 per month charge to the insurance premium currently paid. We will launch the “tobacco free” program on October 1, 2015 and will allow a six month period of time for any current tobacco user to complete tobacco counseling or a tobacco cessation program. Free resources are available through the Health Department or our Employee Wellness Center. The County will assist you in locating a program to fit your needs as necessary. Please also note that on October 1, 2015 Chantix (stop smoking prescription) will be a covered medication under our Florida Blue plan. While the incentive for the Tobacco Free Program will initially be based on completion of an affidavit, random employee nicotine testing will begin six months after implementation of the program to ensure compliance.

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Other Available Plan Resources

Florida Blue offers all enrolled members and dependents additional services and discounts through value added programs. For more details regarding other available plan resources, please refer to your Summary of Benefits and Coverage (SBC),

contact Florida Blue at (800) 352-2583 or visit www.floridablue.com. Health Dialog/My Health from WebMD

Looking for answers to general health and prevention questions? Interested in education for significant medical issues? Searching for understandable, evidence-based information on available treatment options? Members can log on to www.floridablue.com and select Health & Wellness to obtain health and wellness related information and support through:

• Health Coaches — Speak privately with experienced, licensed health care professionals, including registered nurses, dieticians and respiratory therapists, 24 hours a day, 7 days a week.

• Web-based information tools, operated and maintained by Health Dialog/My Health from WebMD with over 27,000 pages of up-to-date, easy to understand, in-depth information on more than 1,900 clinical topics including medical tests and medications. • Free audio, video and printed information on specific medical conditions to help you weigh the risks and advantages of

treatment options. Blue365

Blue365 is a FREE discount program on products and services available to all members such as: • Vision care, glasses, and contact lenses

• Hearing care and aids

• Fitness club memberships, exercise footwear, and apparel • Weight loss management

• Alternative medicine • Elder care advisory services • Hotel rooms and travel information

For more information, please contact Florida Blue at (800) 345-3885 or visit www.floridablue.com and select “Member Discounts” on the bottom right and click “I Agree” on the “Explore Healthy Choices with Blue 365” website.

Florida Blue Mobile App Solution

You can access Florida Blue’s mobile website from any smartphone or download the app from the iPhone®_{or Android}TM_{with just}

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Medical Insurance: Florida Blue – BlueOptions Base Plan (Plan1) At-A-Glance

*Out-Of-Network Balance Billing: For information regarding Out-of-Network Balance Billing that may be charged by an out-of-network provider for services rendered, please refer to the Summary of Benefits and Coverage (SBC).

The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefits Highlights Booklet is your primary source of information regarding your Florida Blue medical plans. The information contained in this Booklet regarding your medical plans is intended to supplement your (SBC) and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan please contact Florida Blue’s Customer Service at (800) 352-2583.

**Quest Diagnostics is the preferred lab for bloodwork through Florida Blue. When using a lab other than Quest, please be sure to confirm they are contracted with Florida Blue’s BlueOptions prior to receiving services.

Network BlueOptions

Calendar Year Deductible (CYD) In Network Out of Network

Single $1,500

Family $3,000

Coinsurance In Network Out of Network

Member Responsibility 30% 40%

Calendar Year Out-of-Pocket Limit In Network Out of Network

Single $4,500 $9,000

Family $9,000 $18,000 What Applies to the Out-of-Pocket Limit? Deductible, Coinsurance, Copays and Rx

Physician Services In Network Out of Network*

Primary Care Physician (PCP) Office Visit $35 Copay

40% After CYD Specialist Office Visit (No Referral Required) 30% After CYD

Freestanding Facility; Non-Hospital Services In Network Out of Network*

Clinical Lab (Blood Work): Quest** No Charge

40% After CYD X-rays $50 Copay

Advanced Imaging (MRI, PET, CT) - Per Scan $175 Copay Outpatient Surgery in Surgical Center 30% After CYD Physician Services at Surgical Center $45 Copay Per Provider

Hospital Services In Network Out of Network*

Inpatient Hospital (Per Admission) 30% After CYD 40% After CYD Outpatient Hospital (Per Visit) 30% After CYD 40% After CYD Physician Services at Hospital $100 Copay Per Visit Per Provider $100 Copay Per Visit Per Provider Advanced Imaging (MRI, PET, CT) - Per Scan 30% After CYD 40% After CYD Emergency Room 30% After CYD 30% After In Network Deductible

Urgent Care $75 Copay 40% After CYD

Mental Health / Alcohol & Substance Abuse In Network Out of Network*

Inpatient Hospitalization (Per Admission) 30% After CYD

40% After CYD Outpatient Services (Per Visit) 30% After CYD

Physician Office Visit No Charge

Prescription Drugs (Rx) In Network Out of Network*

Generic $15 Copay

50% Coinsurance Preferred Brand Name $40 Copay

Non-Preferred Brand Name $60 Copay Mail-Order Drug (90 Day Supply) $30 / $80 / $120 Copay

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Medical Insurance: Florida Blue – BlueOptions Buy-Up Plan (Plan2) At-A-Glance

***Out-Of-Network Balance Billing: For information regarding Out-of-Network Balance Billing that may be charged by an out-of-network provider for services rendered, please refer to the Summary of Benefits and Coverage (SBC).

The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefits Highlights Booklet is your primary source of information regarding your Florida Blue medical plans. The information contained in this Booklet regarding your medical plans is intended to supplement your (SBC) and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC information prevails. If you have any additional questions regarding the plan please contact Florida Blue’s Customer Service at (800) 352-2583.

**Quest Diagnostics is the preferred lab for bloodwork through Florida Blue. When using a lab other than Quest, please be sure to confirm they are contracted with Florida Blue’s BlueOptions prior to receiving services.

*The Calendar Year Pharmacy Deductible will be required to be met prior to Rx copay benefits applying. The Pharmacy Deductible is separate from the Medical Calendar Year Deductible but does accumulate towards the plans Calendar Year Out of Pocket Limit.

Network BlueOptions

MedicalCalendar Year Deductible (CYD) In Network Out of Network

Single $750

Family $2,250

Coinsurance In Network Out of Network

Member Responsibility 20% 40%

Calendar Year Out-of-Pocket Limit In Network Out of Network

Single $3,250 $6,000

Family $6,500 $12,000 What Applies to the Out-of-Pocket Limit? Deductibles, Coinsurance, Copays and Rx

Physician Services In Network Out of Network***

Primary Care Physician (PCP) Office Visit $20 Copay

40% After CYD Specialist Office Visit (No Referral Required) 20% After CYD

Freestanding Facility; Non-Hospital Services In Network Out of Network***

Clinical Lab (Blood Work): Quest** No Charge

40% After CYD X-rays $50 Copay

Advanced Imaging (MRI, PET, CT) - Per Scan $125 Copay Outpatient Surgery in Surgical Center $100 Copay Physician Services at Surgical Center 20% After CYD

Hospital Services In Network Out of Network***

Inpatient Hospital (Per Admission) 20% After CYD 40% After CYD Outpatient Hospital (Per Visit) 20% After CYD 40% After CYD Physician Services at Hospital 20% After CYD 20% After In Network CYD Advanced Imaging (MRI, PET, CT) - Per Scan 20% After CYD 40% After CYD Emergency Room 20% After CYD 20% After In Network CYD

Urgent Care $50 Copay 40% After CYD

Mental Health / Alcohol & Substance Abuse In Network Out of Network***

Inpatient Hospitalization (Per Admission) 20% After CYD

40% After CYD Outpatient Services (Per Visit) 20% After CYD

Physician Office Visit No Charge

Prescription Drugs (Rx) In Network Out of Network*** Calendar Year Pharmacy Deductible* $250 Per Member

Generic $15 Copay

50% Coinsurance Preferred Brand Name $30 Copay

Non-Preferred Brand Name $50 Copay Mail-Order Drug (90 Day Supply) $30 / $60 / $100 Copay

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Dental Insurance: Heritage Dental Plan

Heritage Consultants

Customer Service: (800) 282-2460 www.myheritagebenefits.com

The County will continue to offer a self-funded dental plan through Heritage Consultants. The entire premium cost of the Employee Only coverage is paid for by the County.

Plan Benefits

The dental plan is “open access”, meaning it is not limited to a specific network of dental providers. The dental plan allows you to receive services from any dental provider you choose, without having to select

a Primary Dental Provider or obtain a referral to see specialists. The dental plan will reimburse for services based on what is determined to be a “Usual and Reasonable Charge (URC)”. The URC may vary by the type of Dentist or service received. The URC can be defined as the most common charge for a particular dental procedure performed in a specific service area.

Out-of-Network Benefits

The dental plan is not limited to a specific network; therefore there are no out-of-network benefits. You may receive services from any licensed dental provider.

How to Locate a Provider

The dental plan allows you to receive services from any licensed dental provider. Calendar Year Deductible

The dental plan requires a $50 individual and $150 family Calendar Year Deductible (CYD) to be met before most benefits will begin. The deductible is waived for preventive services.

Calendar Year Benefit Maximum

The maximum benefit the dental plan will pay for each covered member is $1,250. Once the Calendar Year Benefit Maximum has been met the member will be responsible for any future charges until the next Calendar Year. All services, including preventive services, accumulate towards your Calendar Year Benefit Maximum.

Coinsurance

The percentage of coinsurance a covered member is responsible for is based upon the plan’s Usual and Reasonable Charge assigned to each particular service. For example, for Regular Services the plan pays 80% coinsurance based on the Usual and Reasonable Charge for that service. Then, the member would be responsible for 20% coinsurance, once the Calendar Year Deductible has been satisfied.

Please Note the Following:

• Each covered member may receive up to 2 routine cleanings per Calendar Year under the preventive benefits offered.

• Late entrant provisions, waiting periods and age limitations may apply.

• Benefit amounts are calculated based on Usual and Reasonable Charges. Please contact Heritage’s customer service for any questions concerning your plan benefits.

Tier of Coverage Employee Cost

Employee Only $0

Family $16.08

Dental Insurance - Heritage Dental Plan Payroll Deductions Per Pay Period

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Dental Insurance: Heritage Dental Plan At-A-Glance

*Preventive Services are limited to 2 per Calendar Year.

For any suggested dental work, Heritage Consultants will provide a “Pre-Determination of Benefits” upon request of your dental provider. This will assist you with determining your approximate out-of-pocket costs should you have

dental work performed.

**For replacements, patient must have been covered under the dental plan for at least one year at a time of replacement or replacement will not be considered an eligible expense.

Calendar Year Deductible (CYD) PPO Plan

Per Member $50

Per Family $150

Calendar Year Benefit Maximum

Per Member $1,250

Preventative Services*

Routine Oral Exam

Plan Pays: 100% Deductible Waived Routine Cleanings

Sealants (Up to Age 14) Bitewing X-rays

Regular Services

Complete X-rays

Plan Pays: 80% after CYD Fillings (Composite/White and Amalgam)

Extractions

Endodontics (Root Canal Therapy) Periodontics

Anesthesia (In connection with covered dental charge) Non-Routine Oral Exam

Special Services

Fillings (Gold)

Plan Pays: 50% after CYD Crowns

Dentures (Full or Partial)

**Replacement/Repairs of Bridgework & Dentures

Class IV Services: Orthodontia

Lifetime Maximum $1,000

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Basic Life and AD&D Insurance

Cigna

Customer Service: (800) 732-1603 www.cigna.com

Basic Term Life Insurance

The County provides Basic Term Life insurance through Cigna to all benefit eligible employees at no cost to you. The benefit amount for active employees is $20,000. The Basic Term Life insurance benefit will be paid in the event of the insured’s death.

Coverage reduces by 35 percent at age 70 and by 50 percent at age 75. Reductions in coverage would be effective at the beginning of the plan year (October 1) following your 70th or 75th birthday. For example: if you turn 70 on December 12, 2014, your plan would be reduced October 1, 2015.

Accidental Death & Dismemberment Insurance

Also at no cost to you, the County provides Accidental Death & Dismemberment (AD&D) insurance through Cigna to all benefit eligible employees. The AD&D rider pays a benefit in addition to the Basic Term Life benefit when death occurs as a result of an accident. The AD&D benefit amount equals the Basic Term Life benefit amount. A partial benefit is also payable. Contact Human Resources for details.

Voluntary Life and AD&D Insurance

Cigna

Voluntary Employee Life and AD&D Insurance

Employees may purchase additional Life and AD&D insurance on a voluntary basis through Cigna. This coverage may be purchased for yourself, spouse or child(ren) at different benefit levels. The AD&D benefit amount equals the Voluntary Life benefit amount. This additional coverage offers life insurance above and beyond the Basic Term Life and AD&D coverage provided by the County.

• Coverage is available in $10,000 units, starting at $10,000, up to a maximum of six times your salary, not to exceed $500,000.

• $200,000 is guaranteed for new hires; no medical questionnaire required. If you do not enroll when first eligible for Voluntary Life, you must complete a medical questionnaire and are subject to Cigna’s approval. In addition, if you wish to increase your benefit, you will need to complete a medical questionnaire.

• Coverage reduces by 35 percent at age 70 and by 50 percent at age 75. Reductions in coverage would be effective at the beginning of the plan year (October 1) following your 70th or 75th birthday. For example: if you turn 70 on December 12, 2014, your plan would be reduced October 1, 2015.

• Rates for Employee Life insurance and AD&D are $0.45 per $1,000 of coverage per month.

Voluntary Life/AD&D

Coverage Employee Rates _{Per Pay Period}

$10,000 $2.25

$20,000 $4.50

$30,000 $6.75

$40,000 $9.00

$50,000 $11.25 $60,000 $13.50 $70,000 $15.75 $80,000 $18.00 $90,000 $20.25 $100,000 $22.50

Always remember to keep your beneficiary forms updated.

Beneficiary forms are available in Human Resources.

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Voluntary Life and AD&D Insurance

(continued)

The Basic & Voluntary Life policies may be converted or ported upon separation. Please contact Cigna within 31 days of separation for details. Basic Life with AD&D & Voluntary Life policies can be found on the Employee Intranet under the Human Resources Link.

Voluntary Spouse Life Insurance

• You may elect coverage for your spouse for a $7,500 Dependent Life benefit amount. All late applications for coverage require medical underwriting approval.

Dependent Child(ren) Life Insurance

• You may elect $2,000 of Dependents Life insurance for your eligible children. Your unmarried child may be covered from birth through age 20, or through the end of the calendar year in which they turn 25 if a full-time student.

• Child(ren) applications are not subject to medical underwriting.

Please Note: The rate for spouse and/or dependent child(ren) coverage is $1.75 per pay period. The rate is the same if you are covering a spouse only, covering eligible dependent children only, or covering a spouse plus eligible dependent children.

Always remember to keep your beneficiary forms updated.

Beneficiary forms are available in Human Resources.

Additional Cigna Programs

Will Preparation Services

Online interactive tools help covered employees and their spouses create a will and other legal documents. In addition, employees and their spouses can create and memorialize their own funeral plan with special arrangements, providing clear guidance to their families when they need it most. The site also provides access to other valuable financial educational materials.

Cigna’s Identity Theft Program

Provides Identity Theft Resolution Services, which includes access to personal case managers who will work with employees and their covered family members to resolve identity theft issues. Support is available 24 hours a day / 7 days a week and the program includes all types of identity theft.

Beneficiary Services

Comprehensive package of financial, bereavement and legal counseling. Available for benefit payments >= $5,000. Cigna Secure Travel

Travel assistance program. Trips more than 100 miles from home. Medical evacuation and repatriation with no maximum limits. Cigna

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The County offers, at no cost, a Life Assistance Program (LAP) through Cigna for you and your household. The LAP is strictly confidential and provides professional counseling 24/7 for handling life’s demands. The LAP allows you or a household family member to call and request a referral for 3 face-to-face visits with a specialist.

Get phone support by calling for advice or a referral to a service in your community on topics such as:

• Legal Consultation – Receive a 30 minute free consultation and up to a 25% discount on select fees.

• Parenting – Receive guidance on child development, sibling rivalry, separation anxiety, and much more.

• Senior Care – Learn about challenges and solutions associated with caring for an aging loved one.

• Child Care – Whether you need care all day or just after school, find a place that’s right for your family.

• Pet Care – From grooming to boarding to veterinary services, find what you need to care for your pet.

• Financial – Receive a 30 minute free consultation with a qualified specialist on issues such as tax preparation, debt counseling

and planning for retirement. 25% off tax preparation. The LAP also provides Online Support for topics like:

• Parenting – Adoption, child care, developmental stages, kid’s well-being, education.

• Aging – Adults with disabilities, aging well, planning for the future, U.S. systems for the elderly, housing options, home care,

health, caregivers, grief & loss.

• Balancing – Personal growth, communication, families, relationship, grief & loss, mental health, addiction & recovery.

• Thriving – Health tools, live healthy, healthy eating, medical care, infant & toddler health, child health, adolescent health,

women’s health, men’s health, senior health, health challenges.

• Working – Accomplished employee, effective manager, career development, training & development, workplace productivity,

workplace diversity, workplace safety.

• Living – Consumer tips, home improvement, home buying or selling, moving, financial, legal, legal ready docs, errands online,

Cigna

Customer Service: (800) 538-3543 www.cignabehavioral.com/cgi

Life Assistance Program

Long Term Disability Insurance

Cigna

The County provides a Long Term Disability (LTD) benefit through Cigna to eligible employees at no cost to you. Eligible employees must be regular, benefit eligible Board and Constitutional Offices’ employees who work at least 30 hours per week. The LTD benefit pays you a percentage of your gross monthly pre-disability earnings if you become disabled due to an illness or non-work related injury. A summary of the plan’s benefits is provided below:

• The LTD benefit pays 60% of your monthly pre-disability earnings, up to a monthly benefit maximum amount of $8,000. • This benefit may be reduced by other income such as Social Security, Workers’ Compensation, retirement benefits, etc. (see

plan summary or contact Cigna Customer Service for more information).

• The benefit begins on the 91st day after the disabling event (known as the elimination period). • The duration of the LTD benefit payable is based on your age at the time the disabling event occurs. • If you return to work on a part-time basis, you may continue to be eligible for partial benefits. • Periodic evaluations will occur at the discretion of Cigna.

• You will receive benefits for the first 36 months if unable to return to your own occupation.

• After 36 months, you must return to any occupation in which you are suitably trained, educated, and capable of performing. • The LTD benefit does not pay a benefit for disabilities resulting from war or act of war, intentionally self-inflicted injury,

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Supplemental Insurance

Aflac offers a variety of voluntary supplemental insurance plans that may be purchased separately on a voluntary basis; premiums are paid by payroll deduction but all plans are portable at the same discounted group rate and guaranteed renewable for life. Aflac has provided the following information about its plans but detailed brochures are available from human resources or by contacting your agent. Please contact your agent during open enrollment for an appointment or schedule an appointment on ROSCOE as dates and times are posted.

Accident Insurance

Provides you with cash if you or a covered dependent receive treatment for injuries sustained in a covered accident on or off the job. This policy provides an emergency treatment benefit, specific-sum injuries benefit, initial hospitalization benefit and even an accidental death benefit.

Hospital Advantage

Three new plan options allow you to cover gaps in your health insurance and offer financial protection for any medical reason you are hospitalized. Plans are designed to pay you an initial hospitalization benefit ranging from $500-$1,500 that can be a match to your health insurance deductible with additional options that include benefits for doctor visits, surgery, ambulance, diagnostic, emergency treatment and more.

Cancer Insurance

Three plan options provide you with cash benefits if you or a covered dependent are diagnosed with an internal cancer or skin cancer. This policy gives you an initial diagnosis benefit, hospital confinement benefit, radiation and chemotherapy benefit, surgical/ anesthesia benefit, as well as ambulance, transportation and lodging benefits.

Critical Care Event Protector/Hospital Intensive Care Combination Plan

Aflac pays a first-occurrence benefit as well as hospital confinement and continuing care benefits for: heart attack & coronary artery bypass surgery, stroke, end-stage renal failure, major human organ transplant, major third-degree burns, paralysis and coma. In addition the Plan also provides you with the benefits if you are confined to Intensive Care for Accident or Sickness. Also includes ambulance benefit and major human organ transplant benefit.

Hospital Intensive Care

Aflac provides you with cash benefits if you or a covered dependent are confined to Intensive Care for Accident or Sickness. Also includes ambulance benefit and major human organ transplant benefit.

Whole Life Insurance for Children

Can be purchased by parents or grandparents for children from birth through age 17. Coverage starts at $30K and on the child’s 18th birthday, the face value doubles to $60K. Rates are locked in at the age of enrollment for life and plans build cash value.

Aflac

www.aflac.com Agent: Gina BallardEmail: [email protected]

Office: (352) 637-2011 Fax: (352) 637-7274

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Employee Health & Wellness Center

Citrus County’s Board of County Commissioner employees, retirees and dependents are able to use the Employee Health & Wellness Center. Primary care services include acute care; sore throats, ear aches, headaches, cough, sinusitis, strains and sprains. Services also include chronic illness evaluation, treatment and management including, diabetes, high cholesterol and hypertension. The Center also provides many popular medications, health risk assessments, lab work, health coaching & education, and occupational medical services as a no-cost option to the traditional insurance network.

Who is eligible?

Employees, retirees and dependents (age 15 and older) who are covered under the medical insurance plan offered by the County. Benefits to Employees/Retirees:

• No deductibles or copays

• No long stay in a waiting room

• Annual Health Risk Assessment (HRA)

• Health coaches available on-site, phone and email

• Many medications dispensed free

• Easy online appointment scheduling

For first time users, please log onto www.carehere.com, the access code can be located on the Employee Intranet, or BOCC website at www.bocc.citrus.fl.us

Feel free to also contact CareHere at (877) 423-1330 24 hours a day, 7 days a week for appointments or to speak with a registered nurse about medical questions.

Medical Staff: Dr. Shaila Shenai, M.D.

Employee Health & Wellness Center Hours:

Monday 8:00 am – 5:00 pm (Closed for lunch 12:00 pm – 1:00 pm) Tuesday 8:00 am – 5:00 pm

Wednesday 9:00 am – 6:00 pm (Closed for lunch 1:00 pm – 2:00 pm) Thursday 8:00 am – 2:00 pm

Friday 8:00 am – 12:00 pm Location:

The Employee Health & Wellness Center is located within the Citrus County Resource Center. 2804 W. Marc Knighton Court Key #10

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Please note that the following benefits may not apply to all constitutional offices, please refer to your policies for specific information.

Florida Retirement System (FRS) Contribution Rate

Employee: 3% of your gross salary Employer: 7.26% of your gross salary Paid Holidays

11 annually (8 hour/5 workday employees)

8 + 1 personal day annually (10 hour/4 workday employees) Vacation Leave

Less than 5 years of service: 80 hours annually = 2 weeks 5 to 10 years of service: 120 hours annually = 3 weeks 10 or more years of service: 160 hours annually = 4 weeks Sick Leave

96 hours annually

Pay Schedule and Direct Deposit

County employees are paid bi-weekly on Fridays. Your paycheck is automatically deposited into your checking or savings account and your money is available at the opening of business on pay day (Friday) at your bank. Direct deposit is mandatory for all County employees. Please see Human Resources for a Direct Deposit Form.

Credit Unions

The credit unions listed below are both full service. They have checking, savings, home mortgage, vehicle loans, and several other programs.

Martin Federal Credit Union 715 West Main Street Inverness, FL 34450 (352) 726-1359 www.martinfcu.org

First Florida Credit Union P.O. Box 6548

Jacksonville, FL 32236-6548 (800) 766-4328

www.firstflorida.org

Suncoast Credit Union 517 NE 5th Street Crystal River, FL 34429 (800) 999-5887 Deferred Compensation

The County has three Deferred Compensation companies: • ICMA

• Nationwide • MassMutual

Deferred Compensation is basically a second retirement source for employees. It is tax deferred money deposited into your account. You pay taxes on the money once you withdraw it. The County does not match the amount you deposit or make any deposits into your account on your behalf. It is strictly an employee contributory plan. Additional information is available from the Human Resources Office.

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11505 Fairchild Gardens Ave., Suite 202 Palm Beach Gardens, Florida 33410

EMPLOYEE BENEFIT HIGHLIGHTS

CITRUS COUNTY BOARD OF COUNTY COMMISSIONERS