Benefits

January 2013:

For employees in the ORP you will receive a notice from the USG advising you that any contributions for which you do not provide investment direction will be invested in the plan’s designated default option (the “Plan Designated Fund”). The Fidelity® Money Market Trust Retirement Government Money Market Portfolio is currently the Plan Designated Default Fund. However, effective February 8, 2013, the Fidelity Freedom K® Funds will become the Plan Designated Default Fund.

 

VSU EMPLOYEE BENEFITS SUMMARY

*** There is an error re: Flexible Spending Accounts for dependent care; the limit is $5,000.

Your guide to all the benefits offered at Valdosta State University

 

2013 BOR COMPARISON BOOKLET

Open Access Point of Service (POS) Plan Summary

HSA Open Access Point of Service (POS) Plan Summary

Frequently Asked Questions for Active Employees

MET LIFE Dental Plan Booklet

EYE MED Vision Care Summary Plan---New This Year for Employees

MET LAW Legal Plan Summary of Benefits-New This Year for Employees

METLAW Legal Plan Additional Information- New This Year for Employees

METLAW Legal Plan Fee Schedule

METLAW Legal Plan Declaration

METLAW Legal Plan Certification

Long Term Disability Summary Document

BOR Commonly Prescribed Drug List

Pharmacy Benefit Summary

2013 BENEFITS INFORMATION FOR RETIREES

2013 BOR RETIREE HEALTH CARE BASICS PLAN
Creditable Coverage Medicare D Letter for Retirees
Retiree 2013 Pharmacy Coverage Open Access POS Plan
Frequently Asked Questions for Retirees
BOR Commonly Prescribed Drug List
Pharmacy Benefit Summary
Express Scripts/Medco Medicare FAQ

OTHER BENEFITS INFORMATION

PeachCare for Kids BOR Open Enrollment Memo

2013 CIGNA Brochure

Shared Sick Leave Pool Program

 

New Hire Retiree Healthcare Contribution Chart

New Hire Retiree Healthcare Contribution Chart that was approved at the October 9, 2012 Board Meeting. Please make sure that you communicate to all new hires after January 1, 2013 the new contribution rates. Also, this chart is posted out on the web under Health Insurancehttp://www.usg.edu/hr/benefits/health_insurance.

See also: New Hire Retiree Healthcare Contributions

 

New Retiree Open Access POS plan Pharmacy Coverage in 2013

In 2013, the pharmacy benefits for Medicare Eligible Retirees enrolled in the Open Access POS plan will be provided through the Express Scripts (formerly Medco) Medicare Part D prescription drug plan for the University System of Georgia. This new prescription drug plan will provide generally the same prescription drug coverage for retirees as 2012 with very few exceptions. 

Here is some important information Medicare Eligible retirees need to know about the 2013 Open Access POS pharmacy plan coverage:

  • Medicare eligible retirees enrolled in the Open Access POS plan will be automatically enrolled in the Express Scripts Medicare Part D plan through the University System of Georgia as part of their 2013 pharmacy coverage

  • If a retiree does not want to enroll in this Express Scripts Medicare Part D plan, the retiree may waive coverage under the plan; however, if the retiree waives coverage, he/she will no longer be eligible to participate in the Open Access POS plan. The retiree will have the option to enroll in the HSA Open Access POS plan or the Kaiser Sr. Advantage plan or cancel their retiree health coverage. If a retiree cancels their retiree health coverage through the University of Georgia, they will not be allowed to re-enroll in coverage

  • Retirees will receive an pre-enrollment announcement letter from Express Scripts in October which will explain the new plan in detail

  • Upon enrollment, Retirees will receive a Welcome kit and a new pharmacy ID card with a new group number which becomes effective January 1, 2013

  • Retirees will be able to obtain their prescriptions from the same retail pharmacies as before; the same co-pays and out-of-pocket maximums as 2012 will apply

Retirees with questions may contact the University System of Georgia Shared Services Center toll-free at 1-855-214-2644 or e-mail helpdesk@ssc.usg.edu. For questions about the benefits or how the plan works, contact Express Scripts Medicare Customer Service after November 1st at 1-877- 681-9875 (TTY users should call: 1-800-716-3231).

 

Good news regarding flu vaccines for this coming flu season

For employees enrolled in the Open Access POS plan, HSA Open Access POS plan, flu vaccines will be covered at 100% regardless of the place of service. Employees may go to their local pharmacy for their flu vaccine (i.e. Kroger, CVS, Walgreen's)! To be reimbursed, the employee will need to pay out-of-pocket at the point of service and fax a copy of their receipt and member ID card to the BCBSGa BOR dedicated fax line at 1-877-868-7950. A reimbursement check will be mailed to the employee’s home address on file at BCBSGa.

As always, if the employee goes to their doctor to get the flu vaccine, the claim will be filed for them and paid at 100%.

 

Employee Benefits Summary

The following paragraphs briefly describe the benefit programs of the institution available to all regularly employed staff members serving in a half-time or better capacity. Further details on these benefits are available in Human Resources and Employee Development.

  • Sick Leave: Staff employed on a half-time or better regular basis are entitled to a monthly sick leave accrual. The maximum monthly accrual is eight hours per month for full-time staff. Other eligible staff members earn sick leave in an equivalent ratio to their percentage of employment. There is no limit on the amount of sick leave one may accrue.

  • Vacation Time: The rate of accumulating annual leave is based on the anniversary date of current employment as shown below. Regular employees working half-time or more shall earn and accrue vacation time in an equivalent ratio to their percentage of time employed. Accumulated vacation leave cannot exceed 360 hours at December 31 of each calendar year. Upon termination of employment, vacation accrued values may be paid to the staff member, not to exceed the 360 maximum.

  • Social Security: All regular staff members are covered by Social Security. Enrollment in this program and deductions will be taken from all earned wages.

  • Worker’s Compensation: Provisions of the Worker’s Compensation Act administrated by the State of Georgia’s Department of Administrative Services (DOAS) cover all staff members. If you are injured on the job, you must report the injury to your supervisor immediately.  Your supervisor will report your injury to DOAS and AmeriSys who will assist in selecting a physician as well as scheduling appointments and follow-up care.

  • Retirement Plans: Half-time or better regularly employed staff members must participate in the Teachers Retirement System of Georgia’s retirement plan. Part-time staff members not otherwise covered by a public retirement program must participate in the State of Georgia’s Defined Contribution Plan. Those requiring further details on these programs are encouraged to contact Human Resources and Employee Development.

  • Supplemental Retirement Plans: The advantage of pre-tax savings programs under the provisions of Section 403(b) and 457 of the I.R.S. code is available to all staff members; including temporary staff. You may contact Human Resources and Employee Development to determine which companies are represented.

 

Group Insurance Programs

 A comprehensive group insurance package is available to all half-time or better regular staff members. The following paragraphs briefly discuss the types of coverage and eligibility requirements. Full details are available in Human Resources and Employee Development and coverage’s are subject to change as approved by the Board of Regents.

  • Long Term Disability: Available upon employment without proof of medical insurability, thereafter, during open enrollment with medical approval by the company.

  • Basic Life Insurance: The University upon your employment provides $25,000 in life insurance. Enrollment is automatic; however, beneficiary and other personal data are required. Human Resources and Employee Development will provide forms for your completion.

  • Supplemental Life Insurance: Upon employment and without proof of insurability within a 30-day period, you may purchase up to three times your contract salary in additional life insurance.  Premiums are based upon employee’s age and amount of protection elected.   Thereafter, requested enrollment is limited to open enrollment period and proof of insurability must be provided to company for approval of coverage.

  • Dependent Life Insurance: You may purchase a family life insurance program insuring each eligible dependent for $10,000 for a flat monthly premium of $4.70. Eligibility and proof of insurability are the same as with supplemental coverage.

  • Health Insurance: Within a 30-day period of your employment, and without proof of insurability, you may enroll yourself and eligible dependents in the health insurance program. Employees have the option of going with one of 3 plans under the health insurance program: Preferred Provider Option (PPO), PPO Consumer Choice or HSA-PPO(HDHP). Enrollment beyond initial eligibility can only be accomplished during the open enrollment period.  Further details of the program are available in Human Resources and Employee Development. 

  • Dental Insurance: The dental plan provides for two check-ups and cleanings per year without a deductible and coverage for restorative work at 80% after a $50 annual deductible. The plan has a $1,000 orthodontic lifetime maximum benefit and $1,200 annual maximum benefit per person.Dental insurance is only open during the first 30 days of employment. There is no regular open enrollment for dental insurance during the annual open enrollment period each year.

 

OTHER BENEFITS

  • Family Medical Leave: Any regular employee who has been employed on a half-time or greater basis by Valdosta State University for at least twelve months and who meets the federally defined criteria  is eligible for twelve weeks of family leave during a twelve month period commencing on the date the family leave begins. Family leave shall be unpaid leave; however, if an employee is eligible to use accumulated sick and/or annual leave, the employee may do so after obtaining permission from his/her supervisor.

  • Flexible Benefit Programs: All eligible employees may participate in this program, which is authorized under Section 125 of the I.R.S. Code. Enrollment may be upon employment and/or during the open enrollment period. Changes cannot be made unless a qualifying event occurs, e.g., marriage, death. Changes must be consistent with qualifying event. Currently two options are available, and they are briefly described below.

    a) Dependent Care Account: Those having eligible dependents may pay their child care expenses with “pre-tax” dollars.

    b) Medical Spending Account: You may pay non-reimbursed medical expenses with “pre-tax” dollars, thus effecting tax savings and reducing overall medical expenses. Details on these programs are available in Human Resources and Employee Development.

  • Open Enrollment Period: All programs that are open enrolled may be changed during the open enrollment period (Dates to be announced) with changes becoming effective January 1st of the ensuring year.

  • Benefits at Retirement: Certain benefits may be continued upon your retirement, assuming you have 10 years of University System service and you meet the requirements for the associated plan of retirement. Details on these benefits are available in Human Resources and Employee Development.

  • Benefits at Termination: Certain programs of insurance may be converted to private coverage upon separation. Conversion must be made during a 30-day period following last date of employment. Contact Human Resources and Employee Development for further details. 

  • Corporate Membership with YMCA:  Allows family and individual membership for the Valdosta and Lake Park facilities at a discounted corporate rate. Contact Human Resources and Employee Development for membership requirements. 

  • Georgia Higher Education Savings Plan:  Employees participate in this “pre-tax” program which offers a smart and flexible way to help save for future higher education expenses for eligible dependents. 

  • Long Term Care:  Involves a wide variety of services for the employee and eligible dependents with prolonged physical or cognitive disability.  Offered within the first 30 days of employment and during open enrollment.  See Human Resources and Employee Development for more details.

  • AFLAC:  Provides several programs that are in addition to regular health coverage and are direct-pay to the employee.  Before tax and after tax plans are available.  Offered within the first 31 days of employment and during open enrollment.  Information is available through the vendor or in Human Resources and Employee Development. 

  • Credit Union: The MEA Federal Credit Union serves our institution’s faculty, staff, and retirees. The convenience of payroll deductions, competitive loan rates, and interest on savings make this an attractive option.

Updated: June 2, 2011

 

Prescriptions

HDHP changes in prescription drug plan

 In late 2009, BCBS completed a deal to sell its NextRx pharmacy benefit management subsidiaries to Express Scripts, and subsequently entered into a contract with Express Scripts to provide certain operational and administrative support for the prescription drug plans. Effective October 1, 2010 the University System of Georgia prescription drug claims are now managed by Express Scripts for the HDHP Plans.

 

Prescription Drug Pricing Overview

 Shopping for the best price on medication is critical. Blue Cross Blue Shield of Georgia encourages members to be active consumers. That means taking time to compare drug prices. There are two basic ways to obtain drug cost estimates:

1. Call the pharmacy customer service number on your health plan ID card. An Express Scripts customer service representative can quickly provide a pharmacy-specific price quote. When calling, the member should give the name of the medication, strength, formulation (such as tablet or capsule), quantity, days supply, and the name of the pharmacy.

2. Visit www.bcbsga.com

HDHP Members:

  1. Log in and choose the “MyPharmacy” tab

  2. Choose “Look Up Drug Prices

  3. Enter the name of your medication in the “Drug Name” field or select a common medical condition and select “Next

  4. Select your correct dosage in the “Drug Choices” drop-down menu. If the initial quantity displayed is incorrect, enter your correct quantity, then select “Next

  5. On your Drug Pricing Results page, view the drug type (Generic or Brand), whether pill splitting applies to your prescription, the name of your drug, estimated cost after discount, estimated home delivery cost and the non-discounted retail cost. You can also view more details about the medication by clicking on it, and you can call the number provided to confirm the cost of the medication using home delivery.

  6. Select “Check Local Prices” to review the costs that others paid for the same medication (might be a different dose) at pharmacies in your area over the past month. NOTE: Prices listed may vary from your final cost.

  7. Take the prescription to a local pharmacy.

The pharmacist can submit a “test claim” to obtain a price. If the cost is too high, the test claim will be reversed, and the member can talk to his or her doctor about alternative treatment, such as lower cost generic equivalents.

 

Frequently Asked Questions

Q. Will member cardholder ID numbers stay the same?
A. Yes, the cardholder ID number will remain the same as it is today.

Q. Will members be able to access their prescription and order information online?
A. Yes. Members will continue to log into their health plan web site to access pharmacy information and online tools. Members will be redirected to the Express Scripts web site where they’ll be asked to register.

Q. What can members do to lower their out-of-pocket prescription drug costs?
A. In the rare instances where the member cost share has risen significantly, members are encouraged to speak with their prescribing physician and their pharmacist about lower cost alternatives, including generic medications and other preferred medications that may be available to treat the condition. In many cases there are multiple prescription products available to treat a single condition, and very often, a lower cost option can be selected without compromising the effectiveness of treatment.

 

Insurance

Failure to Make Premium Payments

When an employee is out on an extended absence without pay, they must make arrangements with Human Resources to ensure that their premium payments are made. As per the Board of Regents policy, if a participant is more than 60 days delinquent from the date of the bill, benefits will be terminated and collection procedures initiated to collect any outstanding balance. HR Reconciliation Procedures and NCO Collection Services.

Retirees who are delinquent in payment of their premium will be notified by ADP/Shared Services.

 

Medical, Dental and Life Insurance Information

The benefit information listed below has been prepared to introduce to you the benefits associated with employment at Valdosta State University. Because employment-related factors change with time and are subject to University, Board of Regents, and State policies, this information is intended to be of an unofficial advisory nature. Should an item be of particular concern, the current policy and procedure should be determined at the time of employment.

Click Here For 403(b), 403B Roth and 457 Information including access to retirement manager. (UPDATE LINK)

 

MetLife Dental Providers in Valdosta 2011 ( Print Version)

LARRY M BLACK JR
Education: Medical College of Georgia
General and Family Dentistry

2935 N ASHLEY ST STE 130
VALDOSTA, GA 31602
Tel 229 333 8484

OR

1306 E SCREVEN ST 
QUITMAN, GA 31643
Tel 229 263 8700

WILLIAM W BROADFOOT
Azalea City Family Dentistry
Education: U of Tennessee
General and Family Dentistry
414 PENDLETON PL
VALDOSTA, GA 31602
Tel 229 244 3700

ERIC A CASTOR
Education: Medical College of Georgia
General and Family Dentistry

2935 N ASHLEY ST STE 130
VALDOSTA, GA 31602 
Tel 229 333 8484

OR

Lakeland Family Dentistry 
121 HOSPITAL DR
LAKELAND, GA 31635
Tel 229 482 1100

CATHERINE H. COLSON
Education: Medical College of Georgia
General and Family Dentistry 
Languages: French
111 WOODROW WILSON DR STE C
VALDOSTA, GA 31602
Tel 229 242 2449

 

SHERRY C. COLVIN 
Nu Smile Family Dentistry 
Education: Medical College of Georgia
General and Family Dentistry
Languages: Spanish
3901 FORREST ST EXT
VALDOSTA, GA 31605
Tel 229 244 8884 

WILLIAM A MORMAN
Advanced Dental Care
Education: Medical College of Georgia
General and Family Dentistry
3211 WILDWOOD PLANTATION DR
VALDOSTA, GA 31601
Tel 229 242 4441

AMANDA S WEIGT
Valdosta Family Dentistry
Education: U of Alabama
General and Family Dentistry
2935 N ASHLEY ST STE 130
VALDOSTA, GA 31602
Tel 229 333 8484

JOHN B WOODWARD
Advanced Dental Care
Education: Medical College of Georgia
General and Family Dentistry
3211 WILDWOOD PLANTATION DR
VALDOSTA, GA 31601
Tel 229 242 4441

 

Other Resources and Additional Valdosta State Benefits

 

Below are some of the resources Fidelity makes available. One does NOT need to be a Fidelity client to take advantage of these tools and calculators.

Budget Planning

http://personal.fidelity.com/misc/buffers/budgetTool/

Debt Elimination

https://guidance.fidelity.com/starting-out/balance-spending-savings-debt

Retirement Savings and Retirement Planning

https://www.fidelity.com/retirement/calculators/retirement-calculators

College Savings

http://personal.fidelity.com/planning/college/college_frame.shtml

Building Wealth

https://www.fidelity.com/retirement/calculators/investing-tools

 

Here are some additional web sites that may help. Valdosta State University does not endorse external web sites and is not responsible for their content.

http://money.cnn.com/magazines/moneymag/money101/?iid=SF_PF_River

http://www.fool.com

http://www.dinkytown.net

http://www.kiplinger.com

http://finance.yahoo.com/personal-finance

http://www.mint.com

http://www.clarkhoward.com

http://www.daveramsey.com