Open Enrollment 2008 Enrollment Presentation for 2008 New Effective Date October 1st Open Enrollment Period Sept 1st – Sept 30th Allows an opportunity to consider whether your current benefit plan is the right choice for you and your family. Eligible employees can re-enroll previously waived medical coverage for themselves or their dependents. Eligible dependents not previously enrolled can be added without proof of previous coverage. Deadline for Enrollment Forms – Sept 25th Open Enrollment 2008 Enrollment Presentation for 2008 BCBSTX HMO & PPO Medical Options Assurant Voluntary DMO Dental Plan UNUM Group Life & Voluntary Life Insurance UNUM Voluntary Short & Long Term Disability Section 125 - Cafeteria Plan Open Enrollment 2008 Employee Benefits Center •24 Hour Access to your Benefits, Forms and Cost • www.myfortworthelectricbenefits.com Open Enrollment 2008 Medical – PPO Base Plan Locate a Plan Provider www.bcbstx.com BCBSTX In Network Out of Network Annual Deductible $3,000 / $9,000 Combined Individual / Family Coinsurance 100% / 0 % 70% / 30% Out of Pocket $0 / $0 $10,000 per person Individual/Family Office Visits $30 Copay 30% after DED Other Services $0 after DED / Inpatient Hospital / 30% after DED $100 / $55 ER / Urgent Care Pharmacy $20 / $40 / $60 $20 / $40 / $60 Open Enrollment 2008 Medical – HMO Buy-Up Plan Locate a Plan Provider www.bcbstx.com In Network BCBSTX Annual Deductible N/A Individual / Family Coinsurance N/A Out of Pocket $3,000/$6,000 Individual/Family PCP / Specialist $25 / $45 Other Copays $150 Per Visit/ $45 Copay ER / Urgent Care Hospital $1,000 Per Visit / Inpatient / Outpatient $500 Copay Pharmacy $20 / $35 / $50 Open Enrollment 2008 Blue Access for Members •Explanation of Benefits •Pharmacy Information •Provider Finder •Print ID Cards •www.bcbstx.com Open Enrollment 2008 Medical Weekly Deductions Medical Base - PPO Buy-Up HMO Employee $3.76 $17.23 Only Employee and $87.84 $123.99 Spouse Employee and $51.14 $77.39 Children Family $135.22 $184.15 Open Enrollment 2008 Prepaid DMO Dental Plan Locate a Plan Dentist www.assurantemployeebenefits.com Assurant 2008 (United Dental Care of TX ) Deductible N/A Annual Maximum Unlimited Preventive / Basic / Major Refer to Copayment Schedule Services Orthodontia Services 25% Discount of Charges Waiting Periods / Referrals None / None Open Enrollment 2008 Dental Weekly Rates Assurant DMO Employee Only $2.79 Employee + Spouse $4.51 Employee + Child(ren) $6.09 Employee + Family $7.14 Open Enrollment 2008 Group Life/AD&D Plan UNUM 2008 Description All Full Time Active Employees Benefit 1 X Salary Maximum Benefit $100,000 May elect to take coverage with Portability them at group rates Terminally Ill employees can Accelerated Death Benefit access 100% of life benefit prior to death Open Enrollment 2008 Voluntary Life/AD&D UNUM 2008 Eligibility All Full Time Active Employees Employee Options Up to 5 X Salary to a Maximum of $500,000 Employee Guarantee Issue $50,000 Spouse - $25,000 Spouse & Child Options Child - $10,000 Spouse & Child Guarantee Spouse - $25,000 Issue Child - $10,000 If you are currently enrolled and wish to increase – you do not need to answer Increasing Your Life medical questions. Insurance Late applicants will have to answer medical questions. Open Enrollment 2008 Voluntary Short Term Disability UNUM 2008 Eligibility All Full Time Active Employees 60% of monthly salary to max of Benefit $1,000/week Elimination Period 14 Days Benefit Duration 11 Weeks Program includes 3 visit Additional Benefits Employee Assistance Program Open Enrollment 2008 Voluntary Long Term Disability UNUM 2008 Eligibility All Full Time Active Employees 1 Year Waiting Period for New Hires 60% of monthly salary to max of Benefit $5,000/month Elimination Period 90 Days Benefit Duration Benefits are payable to age 65 Employee Assistance & Travel Additional Benefits Assistance Programs Open Enrollment 2008 Section 125 - Premium Only Plan •Allows pre-tax deductions for health, dental and vision premiums •Ability to reduce in your taxable income therefore increasing your take home amount in your paycheck.