Employee Benefits

GVRA values its employees as its most important resource in achieving its mission and goals. GVRA strives to attract and retain highly qualified and productive employees through a philosophy of total compensation. Like many organizations, GVRA considers base pay, retirement, medical and flexible benefits, paid time off and holidays as components of a total compensation package.

The benefits information on this web page provides a summary of benefits for employees of GVRA. The State of Georgia offers extraordinarily competitive and comprehensive benefits, as part of a long-standing commitment to the health and well-being of its employees. The State of Georgia offers a choice of health and welfare plans including medical, dental, vision, flexible spending, disability, life insurance and retirement plans. If you have any questions, please contact the Office of Human Resources at 404-232-1769, Monday through Friday, between 8:00 a.m. and 4:30 p.m. You may also send an e-mail to hr@gvra.ga.gov.

Health Insurance

The State Health Benefit Plan serves as the state’s administrator of health insurance coverage for state employees, and covered dependents. The two most important aspects of enrolling in your benefits are:

· understanding which plans best meet your personal needs

· enrolling within the specified timeframes

2015 SHBP Active Employee Decision Guide

2015 SHBP Active Employee Rates

Enrollment & Changes

As a GVRA employee, eligible for benefits, you can enroll in the State Health Benefit Plan when you are first hired. As a new employee, you receive information on or before your first day of work about the State of Georgia’s various benefits plans and the options available. To enroll in the State Health Benefit Plan visit the SHBP Enrollment Portal: myshbpga.adp.com/shbp/

New employees have 30 days to learn about the plan features, make your selections and enroll through the SHBP Enrollment Portal online system. Employees enrolled in SHBP and their covered dependents age 18+ will be charged an $80 per month tobacco surcharge for using tobacco products. Later on, you also can make changes during the annual benefits open enrollment period or when your situation — or your eligible dependent’s situation — changes with a qualifying life event.

SHBP has gone paperless! To make a change in enrollment due to a Qualifying Event (QE), members no longer use paper forms. Instead, members log onto the SHBP Enrollment Portal at myshbpga.adp.com/shbp/ and declare a Qualifying Event (QE) to make the change.

· To update your address or to correct personal data, active employees must contact their Benefit Coordinator/HR department and request they submit the update on their next file to SHBP.

Ø Address Changes can be made via Employee Self Service (ESS)

Ø Name Changes must be submitted to the Office of Human Resources on a Employee Data Change Request Form

· Members who do not have web access may call the SHBP Call Center at 800-610-1863 and a representative will assist you with making the change.

· You will continue to submit QE supporting and dependent verification documentation to the secure fax at 866-828-4796. To expedite the process, the member’s social security number must be noted on each page of the documentation.

How your situation changes determines which plans you can change. When you have a qualifying status event, you typically have a 30–day window to first notify the SHBP at myshbpga.adp.com/shbp/ or 1-800-610-1863 to make changes to your benefits. If you have a new baby or adopt a child, you have a 90–day window to notify us to make changes.

The State Health Benefit Plan offers the following Health Insurance Options:

Health Maintenance Organization (HMO)

• Blue Cross Blue Shield (BCBSGa)

• Kaiser Permanente KP (Metro Atlanta service Area In-Network only plan)

• United Healthcare

High Deductible Health Plan (HDHP)

• United Healthcare

Health Reimbursement Arrangement (HRA) without co-payments

• BCBSGa - Gold, Silver and Bronze Plan Options

Medicare Advantage (MA) Preferred Provider Organization (PPO) Standard and Premium

• United Healthcare

Pharmacy Administrator

• Express Scripts

Wellness Program Administrator

• Healthways

Additional Options

PeachCare for Kids® - 1-877-427-3224

TRICARE Supplement

Social Security Administration

Flexible Benefits Insurance Plans

The Department of Administrative Services through Georgia Breeze serves as the state’s administrator of the flexible benefits program for state employees, and covered dependents.

Dental Insurance

We offer three (3) plans: the Select and Select Plus from Delta Dental and the dental HMO option from Cigna Dental Care ® (DHMO). Each plan has different payment schedules and providers. Closely review these plans to determine which one best fits the needs of you and your family. Use the comparison chart to learn about the plans. Due to availability, your best option may depend on where you live or work and you should check the availability of dentists carefully. The three dental plans are listed below according to the dentist network availability in geographic areas:

• Delta Dental Select and Delta Dental Select Plus – For all employees throughout Georgia

• Cigna Dental Care ® (DHMO) – Specifically for employees who live or work in metropolitan Atlanta area.

Vision Insurance

Vision coverage is available through Blue Cross Blue Shield with two plan options – Select and Select Plus. Both plans offer these features:

• covered exams and materials

• Statewide access to a network of panel providers

• No claims to file for “in-network” benefits

• Benefits for “out-of-network” providers

The Blue Cross Blue Vision Care participating provider network includes private practice optometrists, ophthalmologists and retail chains.

Life Insurance

Employee, Spouse, Child Life, and Accidental Death & Dismemberment Insurance is offered through MetLife. Met Life has the expertise to help you understand your life insurance needs and the financial strength you can count on.

Short and Long Term Disability Insurance

Short-term and Long-term Disability is offered through The Standard to help provide income protection against the unexpected; the Flexible Benefits program allows you to choose:

· Short-Term Disability insurance and/or

· Long-Term Disability insurance

If you choose short-term disability (STD) coverage, this plan will work in coordination with other income benefits to replace 60% of your Benefit Salary (in effect during the Plan Year the disability began) up to $1000 per week. If you receive other benefits (including but not limited to workers’ compensation, other disability plans and/ or programs including the State retirement systems, earnings from work you perform while disabled) that total 60% or more of your Benefit Salary, the short-term disability plan will not pay a benefit for this disability.

Your options:

• Seven (7) Day Benefit Waiting Period

• Thirty (30) Day Benefit Waiting Period

The Flexible Benefits Program’s Long Term Disability (LTD) coverage works with other benefits you are eligible to receive, including but not limited to Social Security, workers’ compensation, other disability plans and programs, including the State retirement systems. The plan assures that your combined disability benefits and income from other sources will equal 60% of your Benefit Salary up to $5,000 per month.

Long Term Care Insurance

Long-Term Care through Unum refers to a wide range of personal care, health and social services for people of all ages who suffer a chronic disease or long-lasting disability. These services can be provided in a nursing facility, an adult day care center or at home, and can involve some nursing care. The cost for this kind of care is very high. Home care can be as much as $20,000 per year, and nursing home care can range in cost from $20,000 to $60,000 annually. Generally, you pay these expenses out of your own pocket, because medical insurance and Medicare do not cover long-term care.

Specified Illness Insurance

Specified illness Plan with Aflac/CAIC offers 2 options:

· The Specified Illness Plan

· Critical Illness Select Plus Plan

With the group specified illness plan, our goal is to help you and your family cope with and recover from the financial stress of surviving a critical illness or condition.

The Critical Illness Select Plus Plan includes Accident Benefits for you and your family in the event of an on or off the job accidental injury.

Legal Insurance

Whether you’re buying a new home, drawing up a will or just need some legal advice, the Hyatt Legal Plan can give you easy access to experienced, local network attorneys for a low, affordable rate. Now you have a resource at your fingertips for important everyday legal services. What’s more, you’ll also have someone to turn to for unexpected legal matters. You can now enroll in a great voluntary benefit legal plan offered through Hyatt Legal Plans.

Spending Accounts

The Spending Account plans are administered by ADP. The Health Care Spending Account (HCSA) helps you save tax dollars on health-related treatment you and your family receive.

For the 2015 Plan Year, the spending accounts being offered are:

 

Health Care Spending Account

Dependent(Child) Care Spending Account

Annual Minimum

$120

$120

Annual Maximum

$2,460

$4,992

Some of the eligible expenses include:

•Deductibles and co-payments not paid by any health or dental insurance in which you or your family members participate;

•Costs for procedures not covered or not covered fully by a health, dental or vision plan;

•Specialized equipment for disabled persons;

•Preventative care screenings;

•Contact lens and glasses;

•Laser eye surgery;

• Prescription;

•Mental health services;

•Physical therapy

The Dependent (Child) Care Spending Account (DCSA) provides you with the opportunity to use tax-free dollars to pay for the care of your children under age 13 or other IRS eligible dependents while you and your spouse work or go to school full time. Childcare services may include your cost to send a child to preschool, after school, or nursery school. Also, expenses for dependents of any age that are unable to care for themselves because of a physical or mental handicap are eligible. A person qualifying for this type of care must spend at least eight hours a day in your home. Elderly dependent care may include your cost to send a dependent parent to an elderly daycare facility or to have someone to care for them in your home.

Benefit Information:

TEAM GEORGIA - My Benefits

SHBP Enrollment Portal

2015 SHBP Decision Guide

2015 SHBP Employee Rates

2015 BCBS Gold HRA Summary of Benefits

2015 BCBS Silver HRA Summary of Benefits

2015 BCBS Bronze HRA Summary of Benefits

2015 BCBS HMO Summary of Benefits

2015 KP HMO Summary of Benefits
2015 UHC HMO Summary of Benefits

2015 UHC HDHP Summary of Benefits

FLEXIBLE BENEFITS

Georgia Breeze Portal

2015 Flexible Benefits Decision Guide

2015 Flexible Benefits Rates

2015 Flexible Benefit at a Glance

2015 Quick Reference Guide