Medical
Full-time employees may elect group medical insurance through BlueCross BlueShield of Florida. Choose from the Health Maintenance Organization (HMO), the Preferred Provider Organization (PPO) or the Health Reimbursement (HRA) plans. All employees covered under BCBS have access to the Member Services program where employees can review and request information such as checking the status of a claim and viewing the Provider Directory. Medical insurance is effective the first of the following month from hire date. For calendar year 2010, the employee's monthly cost for coverage is:

Coverage Selected	HMO Plan	PPO Plan
Employee	$ 0	$ 69
Employee + Spouse	$430	$531
Employee + Child(ren)	$274	$389
Employee + Spouse + Child(ren)	$595	$784

The HRA plan is a PPO based on a coinsurance system with an additional spending account provided by the college to assist with qualified out-of-pocket medical costs. If the employee doesn't utilize the entire amount of the spending account, the balance can be rolled over for utilization to the next year. The rates for the 2010 year are as follows.

Coverage Selected	Employee Monthly Payment	Health Spending Account (12 months)
Employee	$0	$500
Employee + one dependent	$392	$1000
Employee+two or more dependents	$582	$1500

• BCBS - Vision Care Discount Program
  Members of BlueCross BlueShield Health Options receive discounts on eye exams, frames and lenses through the Vision One program offered by EyeMed Vision Care. Contact the toll-free number at (800) 793-8622.

Please click on the links below for detailed plan, presentations, or links to narrated presentations of the medical plans.

Health Plan	Summary Document	Presentation	Link to Narrated Presentation
HMO	HMO Plan Summary	HMO Presentation	Narrated HMO
PPO	PPO Plan Summary	PPO Presentation	Narrated PPO
HRA	HRA Plan Summary	HRA Presentation	Narrated HRA

Dental
Full-time employees may elect group dental insurance and choose either the Dental Health Management Organization (DHMO) through Safeguard or the Dental Preferred Provider Organization (DPPO) through MetLife.

DPPO Plan - The employee payment is based on a percentage for covered services; the maximum the plan will pay for services in the calendar year is $1,000. An annual deductible is applied to services beyond preventative care. The DPPO has an in-network and out-of-network price structure.

DHMO Plan - Services require a copayment, there is no cap on services provided for the year and there is an orthodontic benefit. A dentist must be selected from the Safeguard network (plan SGX-290). For orthodontics a primary dentist must be selected from the list and referral to orthodontic specialist.

Dental insurance is effective the first month following the hire date. For calendar year 2010, the employee's monthly cost for coverage is:

Coverage Selected	DHMO SafeGuard SGX290 Plan	DPPO MetLife Plan
Employee	$ 0	$ 7.10
Employee + Spouse	$ 6.94	$24.92
Employee + Child(ren)	$10.18	$25.25
Employee+ Spouse+ Children	$18.05	$47.97

Vision
The college offers an additional voluntary vision plan for through Safeguard which provides in and out of network benefits. In-network providers can be found online. For detailed information, please refer to the plan summary. The monthly costs for the plan are as follows:

Coverage Selected	SafeGuard VPPO
Employee	$5.86
Employee + Spouse	$11.73
Employee + Child(ren)	$12.08
Employee+ Spouse+ Children	$16.72

Short-term Disability
New full-time employees may elect short-term disability through American United Life The cost is $.33 per hundred dollars of the employee’s monthly salary. To compute an estimate of the cost per paycheck please use the Excel "Voluntary Calculator". Forms are available in the Office of Human Resources.

Long-term Disability
The college offers long-term disability insurance for all full-time employees at no cost. The policy pays 67% of the employee's monthly salary and benefits begin on the 91st day after a continuous period of disability, although disability payment is generally not received for at least an additional 30 to 45 days. The long term disability policy includes a retirement plan supplemental benefit. If an employee is disabled for a period of 12 months, 10% of his/her disabled monthly earnings are placed in a retirement savings program. This benefit is paid in addition to the normal disability benefit.

Cancer & Intensive Care
Full-time employees may elect Cancer and Intensive Care benefits through American Heritage. There are other diseases covered under the cancer insurance such as sickle-cell anemia and rabies. Contact Custom Benefits Service at (800) 809-8161 for more information.

AFLAC Coverage for Heart-Related Illness
AFLAC offers a voluntary benefit which covers heart related illness beginning with the first occurrence. This coverage includes hospital confinement, continuous care and other related issues. AFLAC offers two plans which are independent of one another, Specified Health Event Protection and Hospital Intensive Care Protection. Both plans are four tier which provide coverage for employee only; employee + child; employee + spouse and employee + family. Premiums are deducted semi-monthly on a pre-tax basis. The plans are portable with no increase in premium. For more information, please contact Patti Leonaggeo at 561-434-4558 or e-mail pleonaggeo@bellsouth.net

Long-term Care
Full-time employees may elect long-term care insurance through the four companies recommended by the college's Insurance Advisory Committee. Employees interested may contact the company representatives directly for specific information regarding coverage and premiums:

Company	Representative	Number
Copeland/Travelers	Ken Suchy	(561) 746-6652
John Hancock	Ellen Gallagher	(561) 840-8440

Flexible Spending Account
Employees may elect to use pre-tax salary for a Flexible Spending Account. The two account options include health care reimbursement or dependent daycare reimbursement through payroll deductions. Reimbursement is available as soon as enough funds have accumulated to cover the expenses. Funds in these accounts must be used by December 31st. Any funds not spent by the end of the year, will not be returned. Complete and submit the online Reimbursement Claim Form to Custom Benefits, Inc for processing no later than April 30th of the following year. Any contributions not claimed by the April 30th deadline will be forfeited. Information regarding the accounts include:

• A health care reimbursement account covers expenses such as health and dental deductibles, prescription drugs, co-payments, approved over the counter drugs, and eyeglasses.
• A dependent care reimbursement account covers expenses for those who need to provide daycare for dependent children.

Term Life
The college offers term life insurance including accidental death/dismemberment policy for all full-time employees at no cost. The policy is based upon 1 x base salary with a minimum of $20,000 and a maximum of $50,000 coverage through Florida Combined Life. Age reductions in the amount of insurance are determined by policy guidelines beginning with the sixty-fifth birthday.

Full-time employees may elect additional term life insurance to a maximum of three times salary. The monthly rate per $1,000 of this group term coverage is $.25 with AD&D at an additional $.027 per thousand. To compute an estimate of the cost per paycheck please use the Excel "Voluntary Calculator". Voluntary dependent term life coverage is also available for $1.58 per month for each dependent covered. Coverage amounts are as follows: Spouse $10,000, child 14 days to 6 months $500 and child 6 months to 25 years is $5,000.

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