2021 Benefits Enrollment - Bell County
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Bell County
2021 Benefits Enrollment
At Bell County, we truly value the dedication that goes into your work every day. We
are proud of our talented employees and understand that our success is because of
you. That’s why as a Bell County employee, you have access to a comprehensive, quality
benefits package that offers flexibility and security. Please take the time to read and
understand this overview so you can gain a better understanding of your options.
The information provided in this overview is for illustrative purposes only. Refer to the
applicable carrier material and plan documents for exact descriptions of plan benefits
and conditions.
Insurance Changes
Bell County will continue health insurance through the Scott & White Health Plan and
dental insurance/vision reimbursement through Ameritas for the 2021-2022 contract
year (effective 11/01/2021). There will be no changes in the plan designs. There are
changes to the rates for the Scott & White Health Plans but there are no changes to
the rates for the Ameritas Dental Plans. Bell County employees are given the choice
of two (2) network plans for health insurance, Baylor Scott & White Preferred Network
(Smaller Network) or Scott & White HMO (Broader Network). The benefits are the same,
so the only difference in the two (2) options are the network and the rates. Employees
will pay 1.5% of the premium and Bell County will contribute (pay) the remainder
of the premium for the EMPLOYEE ONLY, Baylor Scott & White Preferred Network for
health. Bell County employees are given the choice of two plans for the Ameritas
dental insurance, the Base Plan, or the Buy-Up Plan. The benefits are the same, so the
only difference in the two (2) options are the network and the rates. Bell County will
contribute (pay) the EMPLOYEE ONLY, Base Plan for dental. You can also enroll in a
Flexible Spending Account for Medical and Dependent Care.
Please be sure to bring social security numbers and dates of birth for your dependents
to be enrolled. If adding dependents, verification (such as providing marriage
certificate and/or birth certificates) must be completed with Human Resources prior to
your benefit counseling session.
Cancer
About every 18 seconds
someone in the United States
EMPLOYER BENEFIT SOLUTIONS
will be diagnosed with cancer.
FOR PUBLIC SEC TOR American Cancer Society: Cancer Facts and Figures 2019, pg. 4.
Plan for tomorrow, today.
Everyone knows health insurance doesn’t pay for everything. Do you feel fully protected?
Reviewing and updating your coverage each year is important.
Get help with your options. Stop by and see an American Fidelity account manager.
Disability Income Insurance
AF™ Disability Income Insurance
• can help protect your finances in case of a covered injury or illness
• provides a benefit to help cover costs while you are unable to work
Educational
• pays some of your gross monthly earnings
americanfidelity.com/info/disability Videos
Through short videos, we
Cancer Insurance offer multiple ways to learn
AF™ Limited Benefit Group Cancer Insurance about your benefits options.
• may help ease the financial burden of cancer treatment, so you can
focus on recovery
This video library includes
enrollment tips, insurance
• provides benefit payments directly to you information, stories, and
support options.
americanfidelity.com/info/cancer
americanfidelity.com/videos
Accident Only Insurance
AF™ Limited Benefit Accident Only Insurance
• may help manage out-of-pocket costs to treat injuries resulting from a
covered accident
• provides benefit payments directly to you
americanfidelity.com/info/accident
Critical Illness Insurance
AF™ Limited Benefit Critical Illness Insurance
• pays a benefit upon diagnosis of certain covered life-altering illnesses
• helps with costs not covered by medical insurance
americanfidelity.com/info/critical-illness
Hospital Indemnity Insurance
AF™ Limited Benefit Hospital Indemnity Insurance
• helps pay for out-of-pocket costs, like a inpatient stay
• when used with a Health Savings Account allows for a tax benefit and
potential savings
americanfidelity.com/info/hospital-indemnity
Life Insurance
AF™ Life Insurance may help ensure your family is financially protected
in the event of a loss. You own the policy, so you can take it with you to a
different job or into retirement.
americanfidelity.com/info/life
Insurance Rates
Bell County will continue health insurance through the Scott & White Health Plan and dental insurance/vision reimbursement through
Ameritas for the 2021-2022 contract year (effective 11/01/2021). There will be no changes in the plan designs. There are changes to
the rates for the Scott & White Health Plans but there are no changes to the rates for the Ameritas Dental Plans.
BELL COUNTY INSURANCE RATES FOR CONTRACT YEAR 2021 - 2022
Baylor Scott & White Preferred Cost County Employee Employee Cost
Network (Smaller Network) per Month Contribution Cost per Month per Pay Period
($30 Copay, $1,250/$2,500 Ded, Co-Insurance 80/20%)
{RX - Unlimited Maximum}
EMPLOYEE ONLY 593.91 585.00 8.91 4.46
EMPLOYEE/SPOUSE 1,466.54 585.00 881.54 440.77
EMPLOYEE/CHILDREN 1,040.06 585.00 455.06 227.53
FAMILY 1,783.10 585.00 1,198.10 599.05
Negotiated 3.5% increase. Baylor Scott & White Preferred providers belong to the Baylor Scott & White Quality Alliance Accountable
Care Organization and are contracted with Scott & White Health Plan to provide care for you. No change to Plan Design.
Scott & White HMO (Broader Network) Cost County Employee Employee Cost
($30 Copay, $1,250/$2,500 Ded, Co-Insurance 80/20%) per Month Contribution Cost per Month per Pay Period
{RX - Unlimited Maximum}
EMPLOYEE ONLY 704.35 585.00 119.35 59.68
EMPLOYEE/SPOUSE 1,739.26 585.00 1,154.26 577.13
EMPLOYEE/CHILDREN 1,233.48 585.00 648.48 324.24
FAMILY 2,114.69 585.00 1,529.69 764.85
Negotiated 7% increase. Network is a Broader Network within Scott & White - Allows members to go to Doctors and Hospitals in a
larger network within the Scott & White Network . Example to include Seton in Harker Heights. No change to Plan Design.
Ameritas Dental Coverage - Employer Sponsored Base Cost County Employee Employee Cost
(Dental with Preventive Plus / Maximum Allowable per Month Contribution Cost per Month per Pay Period
Charges and a Vision Reimbursement Benefit)
EMPLOYEE ONLY 19.56 19.56 0.00 0.00
FAMILY 69.48 19.56 49.92 24.96
0% Increase. No change to Plan Design.
Ameritas Dental Coverage - Voluntary Buy-Up Cost County Employee Employee Cost
(Dental with Preventive Plus / 90th Percentile per Month Contribution Cost per Month per Pay Period
and a Vision Reimbursement Benefit)
EMPLOYEE ONLY 28.24 19.56 8.68 4.34
FAMILY 92.40 19.56 72.84 36.42
0% Increase. No change to Plan Design.
Unintentional injuries led to economic
losses and lost quality of life valued at
about $15,953 per person in 2017.
National Safety Council, Injury Facts; 2019 Web.Bell County
Online Account Support
Your Benefits, Your Account
Within your online account, you’ll find all your benefits and reimbursement
information in one place.
File a Claim Track Claims
Submit claims for your View the status of your benefits
insurance benefits or and reimbursements claims
reimbursement accounts
Upload Documentation Manage Preferences
Attach receipts and Edit your profile, enroll in
documentation for claims direct deposit, and elect
communication preferences
Visit Your Custom Benefits Site!
https://americanfidelity.com/pages/bell-county/
Point your smart phone camera at the QR code
and open the link that appears.
Universal Life Insurance: Flexible Premium Adjustable Life insurance. This product may contain limitations. Underwritten by Texas Life Insurance Company,
Waco, Texas. Not generally qualified benefits under Section 125 plans. Not affiliated with American Fidelity Assurance Company.
IRAs/Roth IRAs: Not generally qualified benefits under Section 125 Plans. Please contact your tax advisor for information regarding your specific situation.
Mark Padron
Senior Account Executive
9000 Cameron Parkway
Oklahoma City, OK 73114
American Fidelity Assurance Company
800-662-1113 Ext. 2454 americanfidelity.com
mark.padron@americanfidelity.com
Limitations, exclusions and waiting periods may apply.
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