October 24 – November 7, 2011

MIAMI DADE COLLEGE

2012 BENEFITS

OPEN ENROLLMENT

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What is open enrollment? New benefit elections are effective from January

1st through December 31, 2012

Add or Change your benefits:

• Health

• Dental

• Term Life• Flexible benefits (yearly

renewal)

• Disability

• Group Legal

• Long Term Care

• Sick Leave Pool

• Metro Rail

• Tax Shelter Annuity

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ENROLLMENT Changes outside the plan year are not allowed unless

you experience a qualifying change in family status such as:

• Marriage, divorce, legal separation, or termination of domestic partnership*

• Birth or Adoption of a child*• Death of a spouse, domestic partner or child*• Change in dependent eligibility*• Significant changes in your spouse’s health coverage

due to his/her employment**(Enrollment forms with required proof must be submitted to HR within 31 days of

qualifying event date)

ENROLLMENT

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Aetna Healthcare

√ Health Maintenance Organization (HMO)

√ Point of Service (POS)

There are no benefit changes to the plans for 2012.

Health Care Coverage

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AETNA HMO & POS

For additional information, please visit http://www.mdc.edu/hr/Benefits/Aetna/default.asp

• Open access

• No referrals needed

• Extensive Network

• Vision: In network only

• Prescriptions: $10/$35/$60

• Certain preventive care services are now free

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HMO

• In network coverage only

• $25 PCP/ $45 Specialist

POS

•In & out of network coverage

•$30 PCP/ $50 SpecialistDeductible for in-network

$500 single

$1,000 family

AETNA HMO & POS COMPARISON / DIFFERENCES

Deductible for out of network

$1,000 single

$2,000 family

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Health Care Rates - AETNA HMO Coverage Premium

EmployerContribution

EmployeeContribution

(Month)

*EmployeeContribution

(Per Paycheck)

Employee $651.72 $ 651.72 $0.00 $0.00

Employee & Spouse $1,207.61 $ 651.72 $555.89 $277.95

Employee & Child(ren) $1,123.58 $ 651.72 $471.86 $235.93Employee Spouse &

Child(ren) $1,388.60 $ 651.72 $736.88 $368.44

DUAL $1,303.44 $85.16 $42.58

POS Coverage

Employee $987.02 $ 651.72 $335.30 $167.65

Employee & Spouse $1,830.30 $ 651.72 $1,178.58 $589.29

Employee & Child(ren) $1,702.83 $ 651.72 $1,051.11 $525.56Employee Spouse &

Child(ren) $2,104.87 $ 651.72 $1,453.15 $726.58

Dual $1,303.44 $801.43 $400.72

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Humana

Dental Health Maintenance Organization (DHMO)

Dental Preferred Provider Organization (DPPO)

Dental Coverage

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Humana Dental Coverage – DHMO

• No deductibles

• Co-payments apply

• Coverage of most preventive services

• Dentist assigned

• Referrals required

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Humana Dental Coverage – DPPO

• No referrals needed

• In and out of network coverage

• Deductibles:

• $ 50 single

• $150 family

• $1,500 benefit maximum per calendar year/ per person

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Dental Care Rates - Humana

* Paid on a pre-tax basis.

DHMO MonthlyPer Pay Period    

Employee $14.41 0.00

Family 30.77 $8.18

DUAL $1.95 $0.97

         

  

DPPO Monthly MDC Pays DifferencePer Pay Period*

Employee $34.15 $14.41 $19.74 $9.87

Family $87.86  $14.41 $73.45  $36.73

DUAL $59.04    $29.52

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Term Life InsuranceThe Hartford

• College portion : Face value : 1X base salary AD &D : 2X base salary Employee must designate beneficiaries

• Employee Optional: Face Value: additional 1X, 2X or 3X base salary AD & D: additional 2X base salary

• Premiums are based on age rate schedule• Age reduction of 8% applies starting at age 60• Approval required for any additional coverage

purchased

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Dependent Life InsuranceThe Hartford

• Face Value: – Spouse

• $15,000 up to age 65

– Dependent: • $7,500, 6 months to age 25 or married• $500, 14 days-6 months

• Rate: $3.50 per month /$1.75 per check

• Voluntary program

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Disability Insurance - ASSURANT• Income protection program• Employee elects monthly benefit amount • 6 plans offered

– Elimination period: 14, 30 or 60 days– Benefit duration: up to 5 years or retirement age (65)

• Election maximum, 66 2/3 of salary, medical questionnaire not needed for benefit amounts up to $5000 per month.

• Voluntary program

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Health & Dependent Care Reimbursement Accounts (AMERIFLEX)• Employee elects pre-tax amount for health care (not

covered by insurance) and dependent care expenses. Healthcare amount may be used up front

• Amount divided in 24 deductions • Expenses incurred 1/1/12 – 3/15/13• Last day to submit claims – 03/31/2013• Maximum contribution: $5,000/year• Renewal required every year• Use it or lose it benefit• Voluntary program

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Examples of reimbursable items:

HEALTH SERVICES:

• Ambulance • Chiropractic• Emergency Room• Eye exam/eye glasses• Hospital admission• Injections and Insulin treatments• Pre-natal and post-natal treatments• Physician / Specialist co-pays• Psychotherapy• Sterilization• Urgent Care• X-ray treatments• MRI/Scans

Health & Dependent Care Reimbursement Accounts (AMERIFLEX)– cont’d

DENTAL SERVICES• Cleaning of teeth, • Dental x-rays, • Filling of teeth• Extraction of teeth, gum treatments• Oral surgery

Due to changes as a result of Health Care Reform, over the counter medication is no longer eligible for reimbursement through the health care reimbursement account

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Group Legal Insurance - ARAG

• Access to attorneys and/or preventive legal care

• Monthly Rates: $16.30 single $21.03 family

• Premiums paid one month in advance

• Services include: court adoption, specific document preparation, bankruptcy, ID theft, etc.

• Voluntary program

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Long Term Care Insurance -CNA

Covers benefit for: Home care Assisted living And nursing home care

May cover: Employee Parents and parents-in-law Grandparents and grandparents-in-law

Premiums determined based on benefit selected

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Metro/Tri-Rail Pass

• Discounted rate through payroll deductions

• Paid one month in advance

• Paid with pre-tax dollars (changes can only be

made during open enrollment)

• Tri-rail available at a 25% discount rate

• Voluntary program

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Tax Shelter Annuity (TSA) / 403(b)

• Defer taxes of income up to $17,000 in 2012• Additional $5,500 per year for employees age 50

and above• Consult with financial advisor for special 15 year

service catch up provision eligibility• Changes are permitted every quarter for semi-

monthly deductions• Voluntary benefit

Eligibility:• 1 year of full time continuous employment• Available balance : 10 sick days (by 10/31/11)

• Donation upon entry : 5 sick days• Participating members : No sick day donation

this year

Benefit: 30 sick days available • Must exhaust all paid leave time • Must provide proof of illness

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SICK LEAVE POOL

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For Questions: • www.mdc.edu • “Get Help” • “AskHR”

Benefits Website: http://www.mdc.edu/hr/Benefits/default.asp

Benefits contact: EMAIL: openenrollment@mdc.eduPhone: (305) 237-2010

ADDITIONAL INFORMATION

START YOUR OPEN ENROLLMENT ELECTION HERE!

Click on this link: http://benefitsenrollment.mdc.edu

THANK YOU