IMPORTANT: Please Read this Introduction and Employee Statement Carefully
Welcome to Open Enrollment 2015. To enroll successfully online, please have your 2015 Open Enrollment Package easily available as you will need to refer back to it for important information. Please report any system errors to the ETS Service Desk at 954-357-8600.

New For 2015
IMPORTANT: Engagement Incentive to receive County-funded Health Reimbursement Account (HRA) or Health Savings Account (HSA)
Annual preventive services, (provided at no cost in-network), play a key factor in early detection of chronic and life threatening diseases, yet less than 50% of our enrolled members received a preventive screening last year. To reverse this trend, the County is implementing an Engagement Incentive for 2015. The Engagement Incentive is to receive the County-funding for your HRA or HSA account in January 2015. All you, and your enrolled spouse/ domestic partner, have to do is receive a designated preventive screening or complete the HumanaVitality criteria below. Eligible screenings include an annual physical, well-woman exam, mammogram, prostate exam or colonoscopy.
  1. HumanaVitality wellness program participation:
    Enroll in HumanaVitality online wellness program; Complete the HumanaVitality Health Assessment online; and Complete the HumanaVitality finger stick screening; OR

  2. Complete and submit a 2015 Engagement Incentive Affidavit indicating when you had your preventive screening in 2014. Information will be verified by a Humana on-site representative; OR

  3. Have your physician complete a 2015 Engagement Incentive Affidavit at time of service and submit to Employee Benefit Services.
Employees with verified engagement in 2014 will have their HRA or HSA account funded on 01/09/15. Employees with verified engagement in 2015 will have their HRA or HSA account funded on the pay period following receipt of verification by Employee Benefit Services.

Health Plan Premium Increases
The CDH High and CDH Out of Network plans will have a premium increase in 2015. The High Deductible Health Plan (HDHP) and CDH Low will remain the same with no increase. See the Open Enrollment newsletter for details.

Pharmacy Plan Changes
Our self-insured pharmacy costs have increased from $10.3 million in 2012 to an estimated $13.8 million in 2015. While costs have significantly increased, member share has gone down from 11% to 7%.

Pharmacy copays for CDH plans increase for first time since 2006
Members in the CDH health plans will incur an increase in copays (HDHP plan subject to deductible and coinsurance):

Generic
30/90 Day Supply
Formulary
30/90 Day Supply
Non-formulary
30/90 Day Supply
Specialty
30 Day Supply Only
Current 2015 Current 2015 Current 2015 Current 2015
$5/$10 $7/$14 $25/$50 $30/$60 $40/$80 $45/$90 $25 or $40 $75


Dispense As Written (DAW1) prescribed by physician
As the cost of brand drugs has continued to increase, many employers have eliminated or required the member to pay the difference between brand and generic costs when a generic is available, even when prescribed by the physician as “dispense as written” (also known as DAW1). Rather than eliminate this option or make it cost prohibitive, the County has created a separate DAW1 tier of coverage for such situations. Accordingly, if your physician prescribes a brand drug with DAW1, you will have a higher copay of $75 for 30 days and $150 for 90 days in 2015. (Note: if the cost of the drug is less than $75/$150, you will pay the lower cost.)

New Third Party Administrator (TPA) for administration of HRA, HSA and FSA accounts.
Effective January 1, 2015, PayFlex Services USA, Inc. will replace WageWorks as our TPA for administration of all of our reimbursement accounts. For HRA and HSA accounts, end of year account balances will be transferred to PayFlex. For FSA accounts, employees will have until March 31, 2015 to submit claims for expenses incurred in 2014.

New coordination rule for FSA and HRA accounts
Effective January 1, 2015, the County is standardizing our coordination of payment rules for employees enrolled in both a Flexible Spending Account (FSA)-Medical Expense and HRA account. ALL health, pharmacy, dental and vision expenses will be paid out of the FSA-Medical Expense first, and when exhausted, ALL health, pharmacy, dental and vision expenses will be paid out of the HRA. Not only will this alleviate the confusion of which account pays first, it opens the HRA up to dental and vision expenses.

New Vendor for Personal Income Protection Plans
Allstate Benefits, Inc. will be replacing AFLAC for Personal Income Protection Plans (Accident, Cancer, Critical Care and Hospitalization). Current AFLAC members may continue coverage at the same rates through Direct Bill with AFLAC. More details will be distributed during open enrollment.

We recommend attending one of the scheduled presentations or vendor fairs to learn more about the changes for 2015. Schedules and detailed information are available 24/7 at broward.org/benefits – Open Enrollment 2015.

How to Navigate the Online System
You may submit as many electronic enrollment submissions as you wish up to 5:00 p.m. on Friday, November 14, 2014; however, the submission with the most recent date will be the one processed. If you make any changes online, you must go through the complete process and SUBMIT or else your changes will not be accepted. The on-line application has been developed to prompt you through the process; however, where certain information is mandatory, the system will not proceed until you enter the required information. After the enrollment period ends, you may go online to view and print your Confirmation Statement.

Once you are ready to use the online enrollment system you should use your mouse or "Tab" key to navigate to each section. DO NOT USE the "BACK" OR "FORWARD" BUTTONS LOCATED ON THE TOOLBAR ON YOUR BROWSER SCREEN. Instead, use the links provided by the program to get to and from each page.

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Password Policy
Employees shall not share their login and password information with anyone as per the County’s Acceptable Use Policy.

EMPLOYEE AGREEMENT
By accessing and using this website, you hereby acknowledge and accept the conditions set forth in the following Employee Statement:
I acknowledge that I have/will provide true and official documentation per the guidelines established, and that the dependent(s) enrolled meet the eligibility criteria, as specified by Broward County. If a post audit of the dependent(s) enrolled shows that he/she does not meet the eligibility requirements of the plan, I understand that I will be held legally and financially responsible for the repayment of all benefit claims incurred by any of my ineligible dependents. Florida Statute 817.234 states that any person who knowingly and with the intent to injure, defraud or deceive any insurer, files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony of the third degree. Any person committing such fraud will be subject to appropriate action by Broward County and/or the insurance carrier. I authorize payroll deduction(s) for the benefits I have selected.