AETNA HEALTH FUND
The AHF gives employees more control over the dollars they spend on healthcare. The plan combines a Fund contribution by the county with a point-of-service medical plan. AHF participants first use county-provided Fund dollars to pay for covered medical and prescription expenses. Any unused Fund dollars roll over and add to the next year’s county contribution, building up your Fund and reducing your out-of-pocket expenses. If the Fund is used up, you pay for remaining expenses until your deductible is met. Once you meet the deductible, you are only responsible for the medical and prescription coinsurance amounts. Preventive services, such as annual physicals and mammograms, are 100 percent paid for by the plan and don’t reduce your Fund balance.
HMO
For the most updated listing of network physicians access the Aetna site at www.aetna.com select find a doctor; go to DocFind; complete the search fields, under the Plan category select the HMO listed under Aetna Standard Plans. To view Aetna’s prescription formulary (a list of medications that have lower co-payments), access the Aetna Navigator at www.aetna.com once signed in click on Benefits then summary and then Preferred Drug List. Personalized information can be obtained by registering in Aetna Navigator.
POINT-OF-SERVICE PLAN (CHOICE POS II)
There is an in-network and out-of-network benefit that allows you to treat with the provider of your choice. If your provider does not participate in the Aetna program, you can encourage them to do so by contacting Aetna’s Network Management area. For the most updated listing of physicians access the Aetna site at www.aetna.com select find a doctor; go to DocFind; complete the search fields, under the Plan category select the Aetna Choice POSII (Open Access) listed under Aetna Open Access Plans. To view Aetna’s prescription formulary (a list of medications that have lower co-payments), access the Aetna Navigator at www.aetna.com once signed in click on Benefits then summary and then Preferred Drug List. Personalized information can be obtained by registering in Aetna Navigator.
TRADITIONAL PPO DENTAL PLAN
Aetna’s dental program features over 200 dentists in Sarasota and Manatee Counties that have agreed to substantial discounts. While you are not required to use a network dentist, you can save by doing so. The Traditional PPO Dental Plan features per person deductibles with varying percentages paid on specific types of service (i.e., preventive care - cleanings, exams, etc.; restorative care - fillings, extractions, etc.; and prosthodontics - crowns, bridges, etc). The maximum annual benefit is $1,750. The maximum lifetime benefit for orthodontics is $1,500. Aetna provides separate ID cards for this plan.
COMPBENEFITS ADVANTAGE PLAN
The Advantage Plan has a lower family premium, limited provider network and pays fixed dollar amounts for specific services. The selection of a Primary Care Dentist is not required. However, you must use an in-network provider to receive plan benefits. There is no annual deductible or maximum annual benefit in the Advantage Plan.
Additional information can be found by clicking the following links:
Aetna PPO Traditional Dental plan
CompBenefits Advantage plan
Vision Plans
There is a routine vision benefit included in the Aetna HMO plan. Members can self-refer to an in network optometrist or ophthalmologist for an acuity exam with a $25 co-pay. A discount for lenses and frames is provided at many retail vision outlets. An optional vision benefit is available through Vision Care Plan. A deductible applies to both the exam and frames/lenses. There are certain limitations on products, but discounts are available for upgrades.
The optional Vision Care Plan can be purchased regardless of medical plan selection.
HMO, Choice POSII and AHF participants will continue to receive discounts on eyewear through Aetna's VisionOne program.
Life Insurance
Term life insurance, up to 2 times your annual salary, is available through Sun Life of Canada. Sun Life also offers dependent life insurance. Please note increases in coverage does require the completion of an Evidence of Insurability form. Universal Life Insurance will continue to be offered through Colonial Life. This option includes various coverage amounts and dependent coverage as well. Universal life insurance does require the completion of an application.
Long-Term Disability (LTD)
LTD will continue to be offered through Sun Life of Canada. SCG will continue to pay for a 40% benefit for employees (60% for At-will employees). Non-At-will employees have the option of increasing their the LTD coverage by 20% for a total benefit of 60%.
Flexible Spending Accounts
SCG offers both Medical and Dependent Care Flexible Spending Accounts. These accounts allow employees to save money by placing pre-tax contributions into accounts for medical and dependent care expenses. Please note the medical spending account can be used for medical expenses for your, your spouse and children. The Dependent Care Flex Account is for day care expenses only.
SCG will again contribute 25% to participants Dependent Care FSA account to assist with childcare expenses, subject to the $5,000 annual maximum contribution established by the IRS. For example, if an employee elects to contribute an annual amount of $4,000 the county will contribute $1,000, for a total annual amount of $5,000.
Cancer Insurance
SCG will continue to offer cancer insurance through AIG. New Policies or changes to an existing policy require the completion of an application. Employees who currently have Hartford cancer policies may continue those through payroll deduction, however no increase in coverage is available for those policies.
Accident Insurance
Accident Insurace is available through Colonial Life. An application is required for new policies and for changes to existing policies.
Long Term Care Insurance
Long-Term Care insurance will continue to be offered through UNUM as an employee-paid benefit and is available via after-tax payroll deduction.