ST. JOHNS COUNTY SHERIFF'S OFFICE - YOURBENEFITS YOURCHOICE - EMPLOYEE BENEFITS & ENROLLMENT GUIDE
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
ST. JOHNS COUNTY
SHERIFF’S OFFICE
EMPLOYEE BENEFITS & ENROLLMENT GUIDE
Your Benefits 2022 Your Choice
Welcome
3 What’s New for 2022 Use the interactive guide to
4
5
Understanding Your Medical Plan
Rates
explore your benefit options.
7 Medical Plan Comparison
8 Eligibility for Coverage Click on each section to quickly and easily find
9 How to Enroll Online the benefit information you need. This guide will
10 Health Reimbursement Account assist you in understanding the various benefits
11 Flexible Spending Accounts which are available to you effective January
13 Auto-Substantiation for FSA and HRA
1st through December 31st. After reviewing the
14 Prescription Plan
information contained in this guide, should you
16 Dental Plan
have any benefits questions, please contact Risk
17 Vision Plan
18 Basic Life and AD&D
Management at SOriskmanagement@sjso.org.
19 Additional Accidental/In-Line-Of-Duty Death Insurance
If you are reviewing a copy of the printed guide,
19 Voluntary Life you can find the interactive version on SharePoint
20 Long Term Disability > GNSV > Risk Management > Risk Management
20 Short Term Disability Documents > Benefits Guides.
21 Comprehensive Cancer Support
22 Critical Illness, Hospital Indemnity, Accident
24 Value Added Benefits
25 Employee Assistance Program
26 Teladoc
27 Mental Wellness Resources
28 Wellness Program
30 Florida Blue Wellness Tools
31 Florida Retirement System (FRS)
32 Contacts
This guide provides information to help you make enrollment decisions. Not all plan provisions, limitations
and exclusions are included in this publication. In the event of any conflict between the information contained
in this booklet and the actual plan documents and insurance contracts, the plan documents and insurance
contracts will prevail. This booklet does not constitute a Summary Plan Description (SPD) or Plan Document.
It contains abbreviated summaries of benefits.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
2
What’s New for 2022
What’s New for 2022?
Employee Rates Teladoc
To protect the Self-Funded Medical Plan from future large Effective January 1, 2022, mental health visits and
claims and to avoid substantial employee rate increases, dermatology visits will be available under Teladoc, in
the annual premium rates will continue to increase each addition to continued coverage for general medicine.
year based on the Employment Cost Index (ECI) for Teladoc lets you talk with board-certified, state licensed
Government Workers. Effective January 1, 2022, premium doctors by phone or video anytime, anywhere with a $0
rates will increase: copay for general medicine and dermatology. Speak to
a board certified psychologist or psychiatrist for a $35
PPO Plan copay. Pre-register your account so when you need care,
• 3.1% to Employee Only, Employee + Spouse, Employee a Teladoc doctor is just a call or click away. See page 26
+ Children, and Employee + Family for additional details.
PPO with HRA Plan
• 0% to Employee Only
• 3.1% to Employee + Spouse, Employee + Children and
Dental Plan Design Improvement
Employee + Family The dental plan remains the same with the following
enhancements:
Medical Plan Design Improvement
• The lifetime orthodontia maximum will increase from
Effective January 1, 2022, the Self-Funded Medical Plan $1,000 to $2,000.
will make the following changes: • Preventive services will not be applied to the $1,000
annual plan maximum, therefore providing you with
PPO and PPO with HRA Plan a $1,000 maximum to use for basic and major dental
• Acupuncture will be covered under the PPO and PPO services. See page 16 for a list of example preventive
with HRA plans at the applicable Specialist cost share. services.
• Tobacco cessation health coaching will be covered
under the PPO and PPO with HRA plans at no cost.
PrudentRx For Specialty Medications
We all know that the cost of prescription medications is
rising. This is especially true of specialty medications.
As part of your prescription plan, the PrudentRx Copay
Program allows you to get select specialty medications
at no cost to you. That means $0 out-of-pocket (OOP) for
any medications on your plan’s exclusive Specialty Drug
List when you fill by CVS Specialty®. See page 15 for
additional details.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
3
Health Benefits
Understanding Your Medical Plan
800-664-5295 • www.floridablue.com
Health insurance is a way to pay for health care and protects you from paying the full costs of medical services when you
become injured or sick. You choose a plan and pay a certain rate, or premium, each month. Both plan options, administered
by Florida Blue, cover preventive care such as doctor visits and screenings, as well as hospital visits, ER trips, and even
prescription drugs.
You pay Plan pays You pay Plan pays You pay Plan pays
100% 0% 10 - 25% 80% 0% 100%
Between Your Calendar Year
Before Reaching Your Beyond
Deductible & Reaching the
Calendar Year Deductible Out-of-Pocket Max
Out-of-Pocket Max
NON-PREVENTIVE SERVICES NON-PREVENTIVE SERVICES NON-PREVENTIVE SERVICES
• You pay a $35 copay for Primary • You pay a $35 copay for Primary • Plan pays 100% for Primary and
and Urgent Care Visits and Urgent Care Visits Urgent Care Visits
• You pay 100% for Specialist and • You pay 20% / Plan pays 80% for • Plan pays 100% for Specialist and
Emergency Room Visits Specialist Emergency Room Visits
• You pay 10% or 25% (depending
on your plan) for Emergency Room
Visits
What are some of the key plan terms I should know before electing a plan?
Calendar Year Deductible (CYD): The amount you pay before the health plan begins to pay for covered services. For example, if your deductible
is $1,500, the plan won’t pay anything until you meet your deductible for covered health care services that are subject to the deductible.
Coinsurance: After you've met the CYD, coinsurance is the cost sharing between you and the plan. For example, with an in-network service, the
plan pays 80% and you pay 20% (depending on your plan)
Out of Pocket Maximum: The most you will pay for covered expenses within a calendar year. The maximum never includes your premium or
services the plan does not cover.
Copay: A fixed amount you owe at the time of a health care service. Copay amounts do not apply to CYD and you do not need to meet CYD first.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
4
Health Benefits
2022 Monthly Rates include:
Medical, Prescription, Dental and Vision
PPO
Standard With WPI 1 With WPI 2 St. Johns County Health
Contribution1
Monthly Per Pay Monthly Per Pay Monthly Per Pay Monthly Per Pay
Employee Only $113.32 $ 56.66 $ 63.32 $ 31.66 N/A N/A $925.60 $462.80
Employee + Spouse $431.35 $215.68 $381.35 $190.68 $331.35 $165.68 $925.60 $462.80
Employee + Child(ren) $297.46 $148.73 $247.46 $123.73 N/A N/A $925.60 $462.80
Employee + Family $632.65 $316.33 $582.65 $291.33 $532.65 $266.33 $925.60 $462.80
PPO with HRA
Standard With WPI 1 With WPI 2 St. Johns County Health
Contribution1
Monthly Per Pay Monthly Per Pay Monthly Per Pay Monthly Per Pay
Employee Only $ 50.00 $ 25.00 $ 0.00 $ 0.00 N/A N/A $925.60 $462.80
Employee + Spouse $219.40 $109.70 $169.40 $ 84.70 $119.40 $ 59.70 $925.60 $462.80
Employee + Child(ren) $164.55 $ 82.28 $114.55 $ 57.28 N/A N/A $925.60 $462.80
Employee + Family $307.16 $153.58 $257.16 $128.58 $207.16 $103.58 $925.60 $462.80
PPO with Health Reimbursement Account (HRA)
St. Johns County Contribution
Employee Only $ 600.00
Employee + Spouse $ 1,000.00
Employee + Child(ren) $ 1,000.00
Employee + Family $ 1,500.00
1
Employer rates are subject to change.
WPI 1: If EITHER Employee or Spouse complete the WPI WPI 2: If BOTH Employee and Spouse complete the WPI
Spousal Surcharge:
Spouses of St. Johns County employees who work and are eligible for employer-sponsored medical insurance through their
employer will be required to pay $100 monthly toward the cost of medical in addition to the rates listed above. It is your
responsibility to provide proof of change in insurance coverage within 30 days for spousal surcharge.
Wellness Premium Incentive (WPI):
Wellness Premium Incentives for 2021 were earned through participation in the Wellness Premium Incentive (WPI) from
October 1, 2020 through September 30, 2021. Due to COVID-19, all employees/spouses who earned the WPI in 2021 will earn
the WPI in 2022. Children are not eligible to participate in the WPI.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
5
Health Benefits
Medical Plan
Group# 13902 • 800-664-5295 • www.floridablue.com
In-Network
PPO PPO with HRA
First Calendar Year
Deductible (CYD) $500 / $1,500 $1,500 / $3,000
You pay a deductible Individual / Family
Coinsurance 80% / 20% 80% / 20%
Plan Pays / Member Pays
Primary Care Office
$35 copay $35 copay
Visit
Specialist Office Visit 20% after CYD 20% after CYD
Routine/Preventative 100% 100%
Exams CYD does not apply CYD does not apply
Urgent Care Visit $35 copay $35 copay
Then Emergency Room Visit 20% after CYD 20% after CYD
You and the plan
Inpatient Services 20% after CYD /
share costs Level 1 / Level 2
$600 / $900 copay
25% after CYD
Outpatient Services 20% after CYD /
$150 / $250 copay
Level 1 / Level 2 25% after CYD
Independent Diagnostic
$0 $0
Labs (Quest Diagnostics only)
Prescriptions (CVS) $10/$50/$75 $10/$50/$75
Generic/ Preferred Brand /
($500 specialty deductible) ($500 specialty deductible)
Non-Preferred Brand
Next Calendar Year Out of
Pocket Maximum $3,000 / $9,000 $4,500 / $9,000
You meet your out- Individual / Family
of-pocket maximum
and the plan starts
to pay 100% of your
remaining eligible
expenses for the year
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
6
Health Benefits
PPO PPO with HRA
Medical Benefits In-Network Out-of-Network In-Network Out-of-Network
Deductible (CYD)
Individual $500 $500 $1,500 $3,000
Family Maximum $1,500 $1,500 $3,000 $6,000
Out-of-Pocket Maximum 1
Individual $3,000 $6,000 $4,500 $9,000
Family Maximum $9,000 $18,000 $9,000 $18,000
Coinsurance (Member pays) 20% 40% 20% 40%
Adult and Child Wellness Services (Preventive Care) Covered 100% Covered 100% Covered 100% Covered 100%
Mammograms / Routine Colonoscopy (Preventive Care) Covered 100% Covered 100% Covered 100% Covered 100%
Primary Care Physician (PCP) $35 CYD + 40% $35 CYD + 40%
Specialist CYD + 20% CYD + 40% CYD + 20% CYD + 40%
Telemedicine
General Medicine and Dermatology $0 Not Available $0 Not Available
Mental Health $35 Not Available $35 Not Available
Convenient Care Centers $35 CYD + 40% $35 CYD + 40%
Urgent Care Services $35 $35 $35 $35
Emergency Room Services (facility charge) CYD + 20% CYD + 20% CYD + 20% CYD + 20%
Ambulance Services CYD + 20% CYD + 20% CYD + 20% CYD + 20%
Inpatient Hospital Services (facility charge)
Level 1 / Level 2 $600 / $900 CYD + 40% CYD + 20% / CYD + 25% $500 + CYD + 40%
Outpatient Hospital (facility charge)
Level 1 / Level 2 $150 / $250 CYD + 40% CYD + 20% / CYD + 25% CYD + 40%
Ambulatory Surgical Center (ASC) (facility charge) $100 CYD + 40% CYD + 20% CYD + 40%
Provider Services at Hospital and ER CYD + 20% CYD + 20% CYD + 20% CYD + 20%
Provider Services at Ambulatory Surgical Center CYD + 20% CYD + 40% CYD + 20% CYD + 40%
Radiologists, Anesthesiologists, and Pathologists at ASC CYD + 20% CYD + 20% CYD + 20% CYD + 20%
Diagnostic Services
Lab (Quest Diagnostics only) $0 CYD + 40% $0 CYD + 40%
X-Ray $100 CYD + 40% CYD + 20% CYD + 40%
Advanced Imaging Services (AIS) $150 CYD + 40% CYD + 20% CYD + 40%
Durable Medical Equipment, Prosthetics, and Orthotics
(DME) CYD + 20% CYD + 40% CYD + 20% CYD + 40%
Benefit Maximums Per Calendar Year PPO PPO with HRA
Acupuncture Visits 30 30
Home Health Care Visits 20 20
Inpatient Rehabilitation Days 30 30
Mental Health Services (Inpatient/Outpatient) 25 / 35 25 / 35
Outpatient Therapies/Spinal Manipulations (Combined) 35 2 35 2
Skilled Nursing Facility Days 60 60
Substance Dependency Care and Treatment (Combined) 25 days/visits 25 days/visits
1
Includes CYD, coinsurance, medical and prescription copays
2
Chiropractic services are required to be authorized by the provider through Florida Blue if a member has more than 5 chiropractic visits.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
7
Health Benefits
Covering Spouses or Other Dependents
If you are eligible for medical coverage, you can also enroll your spouse and/or eligible dependent children for medical, prescription,
dental, vision, and spouse and/or child life insurance. You must provide documentation proving that your dependents meet eligibility
requirements.
Eligible dependents Required documentation
Spouse: The Employee's spouse under a legally valid existing Marriage Certificate AND current document
marriage. establishing current relationship status (i.e. tax
return, joint bill, insurance policy) AND social
security number. Document MUST be dated
within the last six (6) months.
Child(ren): The Employee's natural, newborn, adopted, Foster, or Birth Certificate naming the employee as the
step child(ren) (or a child for whom the Employee has been court- child’s parent OR appropriate court order/
appointed as legal guardian or legal custodian). Can be covered on adoption decree naming the employee or
the plan up to the end of the month in which they turn 26, or in the employee's spouse as the child’s legal guardian
case of a foster child, is no longer eligible under the Foster Child AND social security number.
Program.
Stepchild(ren): The biological offspring or adopted child of an Birth Certificate naming spouse as the child’s
employee's eligible spouse. Can be covered on the plan up to the end parent AND above documentation required for a
of the month in which they turn 26. spouse AND social security number.
Grandchild(ren): The newborn child of a Covered Dependent child. Birth Certificate naming employee's dependent
Coverage for such newborn child will automatically terminate 18 child as the parent AND social security number.
months after the birth of the newborn child.
Handicapped Children: Children of any age who become totally and Proof of the disability will be a statement
permanently disabled before age 26. from the dependent's physician certifying that
the dependent was incapacitated or disabled
prior to the limiting age, is incapable of self
sustaining employment by reason of mental or
physical disability, and is fully dependent upon
the contract holder for support AND social
security number.
You must submit required documentation for your eligible dependents within 30 days of enrolling.
If documentation is not provided, coverage for the dependent(s) will be denied.
NOTICE: As prohibited by the rules of the program, the following acts will be treated as fraud or misrepresentation of
material fact:
• Falsifying dependent information or documentation
• Certifying ineligible persons as eligible
• Enrolling ineligible persons in coverage
• Falsifying the occurrence of life events or life event documentation
• Failing to remove dependents from coverage within 30 days of when they lose eligibility
Such acts will require you to reimburse the plan for any claims incurred.
Legal and disciplinary action may be taken.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
8
Health Benefits
Enrolling for Benefits
Plan Source is the employee self-service, online portal for employees to enroll in all benefit plans. Once logged in, you will be able to
see benefits offered to you and compare cost.
Current Employees: Mandatory Annual Open Enrollment is October 1 through October 31. Coverage elected during Annual Open
Enrollment becomes effective on January 1.
New Hires: All new employees eligible for benefits will have 60 days from date of hire to enroll in their benefits.
Log on to https://benefits.plansource.com/?sjso. Username is your first initial of your first name, first six letters of your last name,
and last four of social. (Ex. jsmith0410). At the start of Open Enrollment, password will be reset to your date of birth in the YYYYMMDD
format.
For existing employees, select “Current Benefits”; new hires, select “New Enrollment”.
Step 1: Review Profile
The * indicates a required field. Verify your Personal Information; if there are changes, you can modify the information by
selecting “Edit Info” at the bottom of the page. You should also login to Munis ESS to update your information. Once you
have completed your updates, select “Save”. If you need to add a family member to your coverage, select “Next: Review
My Family” and add family member. Please double check spelling of names and verify dates of birth and social security
numbers.
Step 2: Shop Benefits
Shop each benefit offering, choosing your desired election under the appropriate plan, or declining the benefit entirely. In
order to proceed through each enrollment page, use the “Shop Plans” button next to the first benefit type. If you elect
coverage with family members, select family members to add to coverage, then click “Update Cart”.
Step 3: Review Beneficiaries
View, add, or edit beneficiaries for each of your coverages. When adding a beneficiary, click the box next to “Add to all
benefits” if you wish to designate the same beneficiary for all coverages.
Step 4: Checkout
Once you have completed each benefit election, click “Confirm and Checkout” at the bottom of the page. Review for
accuracy and choose “Checkout”. Your benefit election will not be complete until you hit the “Checkout” button.
Life Events:
You may add, drop, or change coverage or dependent coverage outside of Open Enrollment ONLY if you experience a
qualifying life event.
Qualifying life events include: marriage, divorce, birth, adoption, or a gain/loss of coverage by your spouse or other dependent. Please
refer to Plan Source for a full list of qualifying life events. It is required that you submit your qualifying life events through Plan Source
and all supporting documents to Risk Management within 30 calendar days of any change in status.
Log on to Plan Source, select “Update My Benefits”. You will then be asked for the type of life event and the date of the event. The
date of the event should be the date your coverage is to change. You must submit all documents to Risk Management in order for your
event to be approved.
PLEASE NOTE: It may take up to 2 weeks for life events to be processed.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
9
Health Benefits
St. Johns County-Funded Health Reimbursement Account
(HRA)
800-523-7542 • medcom.wealthcareportal.com
An HRA is a great way to pay for covered medical, prescription,
dental and vision expenses through the plan year. All employees
who enroll in the PPO with HRA Plan are automatically
enrolled in a Health Reimbursement Account (HRA). The HRA
is a reimbursement plan funded by St. Johns County, which
designated a specific dollar amount to credit to your HRA per
calendar year. The HRA can be used to pay for qualified medical
expenses.
How does an HRA work and how does it benefit me? What can I spend my HRA money on?
Funded 100% by St. Johns County, the HRA is only available to You can spend your HRA money on out-of-pocket medical,
employees enrolled in the PPO with HRA Plan. St. Johns County prescription, dental and vision expenses which are eligible for
makes tiered contributions in to your account: reimbursement if the expenses are for medically necessary care or
treatment incurred during the plan year.
Health Reimbursement Account (HRA) Tiers
My spouse and dependents are not covered under my medical
Employee Only - Employee + Spouse - plan with St. Johns County. Can I still use the HRA for their
$600 $1,000 medical expenses?
Employee + Children - Employee + Family - No. In order to use your HRA funds to pay for expenses for your
$1,000 $1,500 spouse and/or dependents, they must be covered under your PPO
with HRA Plan through St. Johns County.
If you are a new employee with benefits starting after January Will my HRA funds rollover into the next plan year?
31, this amount will be prorated. The HRA dollars are funded by St. Johns County and must be
used prior to the end of each plan year on December 31. Account
What is the difference between an HRA and a FSA?
balances do not rollover from year to year.
HRAs are employer-funded, which means your employer
determines the amount that goes into the HRA. FSAs are
employee-funded which means the funds are deducted from your
salary. You determine the amount that goes into your FSA.
How will I access the money provided in my HRA?
You will receive a Medcom Benefits Card after signing up for the
PPO with HRA Plan. You can swipe your card at any health care
provider’s office that accepts credit or debit cards. You can also
file a paper claim form with Medcom, to be reimbursed from your
account.
Can I enroll in the PPO with HRA Plan and still elect an FSA?
Yes. Employees can contribute to an FSA while enrolled in an HRA.
Funds for the HRA and FSA are loaded onto one card. However, you
will be required to use your entire FSA balance prior to accessing the
HRA funds.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
10Health Benefits
Medical Reimbursement Account
(FSA)
800-523-7542 • medcom.wealthcareportal.com
St. Johns County offers a Medical Reimbursement Flexible
Spending Account (FSA) administered by Medcom. An FSA
allows you to set money aside into an account to pay for
certain types of out-of-pocket medical expenses.
What can the FSA be used for? Do I need to keep my receipts?
• Co-pays We encourage participants to keep all receipts for their FSA expenses.
• Calendar Year Deductibles (CYD) It is very important to keep all receipts for FSA expenses. IRS rules
• Dental and vision expenses require that all claims made against medical flexible spending
• Prescription drugs accounts (FSAs) be substantiated with regard to their eligibility for
• Over-the-counter (OTC) items (a detailed list can be found at tax-exempt status, including claims made with electronic payment
medcom.wealthcareportal.com cards.
How does a FSA save me money? If I elect to continue participating in the FSAs, will I receive a
The money you allocate is pretax. Federal, State, and FICA taxes new Medcom Convenience Card?
are not taken out on the amount you contribute to your Medical If you elect to participate in the FSAs for the next plan year, you will
FSA and/or Dependent Day Care Account. only receive a new debit card if your current card has expired or if
you are a new FSA plan participant. If you enroll in more than one
How much can I contribute? FSA account, the same card will be used for all accounts.
For Medical FSAs, the minimum annual contribution is $75 and the
maximum annual contribution allowed is $2,750. If your spouse also What is the “use-it or lose-it” rule?
works for St. Johns County, you may both contribute to the FSA, up to Per IRS regulation, any funds left in your FSA at the end of the
the $2,750 annual limit. year are forfeited - this is frequently referred to as the “use-it
or lose-it” rule. However, you are allowed to roll over a minimum
How much should I contribute? of $75 and up to a maximum of $550 of available funds. Any prior
Everyone is different, so it’s important to know how much you year funds under the minimum or in excess of the rollover maximum
anticipate spending on eligible expenses before you set your not used by December 31st will be forfeited.
contribution amount. If you elect the PPO with HRA Plan, your
FSA funds must be used before your HRA dollars can be used.
Is the full election amount for my Medical FSA available for use
on January 1st?
The entire annual election amount in your Medical FSA is available at
the beginning of the plan year (January 1), so you can use your FSA
card or submit a claim before the regular contribution is withheld
from your paycheck.
Will my current year’s FSA election automatically continue into
the next plan year?
No. You must re-enroll during Annual Open Enrollment to participate.
If you fail to complete your annual election for benefits during Annual
Open Enrollment, your FSA will not be renewed for the next plan year.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
11Health Benefits
Dependent Care Account (DCA)
800-523-7542 • medcom.wealthcareportal.com
A Dependent Care Account (DCA) reimburses you for eligible expenses, such as
daycare, that you pay for the care of a qualified dependent. The DCA is administered
by Medcom. A Dependent Care Account can be used to pay for the daily care of an eligible
child or adult dependent, but not for health care expenses. Sometimes referred to as a
Dependent Care Assistance Program, or DCA, this type of flexible spending account allows
you to use the funds in your account to pay for certain types of out-of-pocket dependent care https://plansource.com/resources/
expenses. videos/eduvideos/dependent-care-fsa/
What can the DCA be used for?
• Daycare for children under the age of 13
• Before and after school programs
• Babysitting in your home by someone who is not your
dependent
• Care for a dependent adult (eldercare)
• Nanny, nursery school, or pre-school expenses
• Summer day camp
DCA funds cannot be used if a parent is a stay-at-home caretaker.
How much can I contribute?
For Dependent Care FSAs, the maximum contributions are:
• $5,000 for a married couple, filing jointly
• $5,000 for a single parent
• $2,500 for a married person, filing separately
Is the full election amount for my Dependent Care Account (DCA)
How much should I contribute? available for use on January 1st?
Everyone is different, so it’s important to know how much you No, you can only be reimbursed for dependent care expenses up to the
anticipate spending on eligible expenses before you set your current balance available in your DCA. Unlike Medical FSAs, only the
contribution amount. amount you have contributed to the account, minus any claims paid,
is available at any given time for reimbursement. The entire annual
election amount is not available for reimbursement at the beginning
of the plan year.
What is the “use-it or lose-it” rule?
Per IRS regulation, any funds left in your DCA at the end of the
year are forfeited - this is frequently referred to as the “use-it
or lose-it” rule. It’s very important to estimate your expenses
carefully. Don’t contribute more than you expect to spend during
the year.
Will my current year’s DCA election automatically continue into
the next plan year?
No. You must re-enroll during Annual Open Enrollment to participate.
If you fail to complete your annual election for benefits during Annual
Open Enrollment, your DCA will not be renewed for the next plan year.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
12Health Benefits
Auto-Substantiation for FSA and HRA
Employer ID: MCOJOHSHR
Medcom can eliminate extra paperwork for verification of debit card payments and reimbursements. Here’s how:
Step 1: Have your Florida Blue member portal sign-in credentials (user ID, password) for you and any dependents with credentials. You
may have to register for a Florida Blue account first by going to www.floridablue.com.
Step 2: Login to the Medcom participant portal at https://medcom.wealthcareportal.com. Click "Connect Your Plans" on the Dashboard.
Step 3: Choose your carrier, Florida Blue, in the drop-down menu.
Step 4: Enter the Florida Blue login credentials for you and your dependents with separate logins. Please note: The connection will not
be validated if your Florida Blue login credentials are not valid.
Medcom will take care of the rest - every time a carrier issues an EOB, Medcom will retrieve this information automatically, match it to
your debit card swipes, and automatically substantiate your claims.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
13Health Benefits
Prescription Plan
Group # RX2787 • Mail-Order: 866-284-9226 • www.caremark.com
All employees who enroll in one of the St. Johns County Medical Plans will be automatically
enrolled in the Prescription Plan through CVS/Caremark. This plan has four tiers: Generic,
Preferred Brand Name and Non-Preferred Brand Name, and Specialty. The tier that your
medication is in determines your portion of the drug cost. Prescription coverage is included in
your medical plan premium.
Prescription Drug Benefits Retail Retail 90/Mail-Order
(30-day supply) (90-day supply)
Generic $ 10 copay $ 20 copay
Preferred Brand $ 50 copay $ 100 copay
Non-Preferred Brand $ 75 copay $ 150 copay
Specialty 30% coinsurance Not available
Are all prescription drugs covered?
No, a complete list of drugs not covered is available
on the CVS/Caremark website.
Do I have to use certain pharmacies?
You can use any pharmacy you choose, but cost
savings are highest when you use a participating
pharmacy in CVS/Caremark’s network.
Can I only fill my prescriptions for 30 days at a
time?
In addition to using an in-network retail pharmacy
to receive a 30-day prescription, you also have the
option of getting a 90-day supply at a CVS pharmacy
for your maintenance medications prescribed by
your doctor. For more information, go to www.
caremark.com
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
14Health Benefits
Prescription Specialty
Group # RX2787 Specialty: 800-237-2767 www.cvsspecialty.com
Specialty Care Team: 800-869-0479
PrudentRx: 800-578-4403
Certain medications, such as injectable, oral, inhaled and infused therapies used to treat complex medical conditions are
typically more difficult to maintain, administer and monitor when compared to traditional drugs. Specialty medications
treat rare or complex conditions including, but not limited to, Hepatitis C, Multiple Sclerosis, Psoriasis, Oncology and
Rheumatoid Arthritis, and often require special handling, storage and administration. Specialty medications must be
filled by a specialty pharmacy, a provider of complex medications for complex health conditions. CVS Caremark Specialty
Pharmacy is your provider for the St. Johns County Self-Funded Medical Plan.
The Specialty copay card assistance program is now available through True Accumulation. If you or a family member fill
a specialty drug prescription on the True Accumulation drug list, a CVS representative will inquire if you would like to
apply for the copay assistance to lower your deductible or copay cost. Please note that your actual copay, which is the
amount you pay after the copay assistance is applied will be the amount that will be credited to your annual out-of-pocket
maximum.
Specialty Medications must be filled by CVS Caremark Specialty Pharmacy. Once the Pre-Authorization form is provided,
your order can be placed through Specialty Connect. You can choose between in-store pickup at your local CVS pharmacy, or
UPS delivery of your medication to your home or doctor’s office. Dedicated clinical support will be provided to you, by phone
from a team of specialty pharmacy experts trained in your therapeutic area. Available 24 hours a day, 365 days a year.
You will also be automatically enrolled in the PrudentRx Specialty Medication Copay Program. The PrudentRx Copay
Program will help you get copay assistance from drug manufacturers to reduce your 30% coinsurance share for eligible
medications. Even if there is no copay card program for your medication, your cost will be $0 for as long as you are
enrolled in the program. If you choose to opt out of the program, or if you do not affirmatively enroll in any copay assistance
as required by a manufacturer, you will be responsible for the full amount of the 30% coinsurance responsibility on eligible
specialty medications.
If you are currently utilizing a specialty medication, you will be receiving a letter and phone call from PrudentRx. If you start
a new specialty medication you can reach out to PrudentRx or they will proactively contact you once prior authorization for
your medication is obtained.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
15Health Benefits
Dental Plan
Group# 677885 • 800-233-4013 • www.humana.com
Dental health is the gateway to your overall well-being and is one of the most
sought after health benefits. Dental disease is largely preventable through
effective preventive care to keep your teeth and gums healthy, as well as help
reduce future costly procedures. All employees who enroll in one of the St. Johns
County Medical Plans will be automatically enrolled in the Dental Plan through
Humana Dental.
Do I have to use certain dental providers?
You can see any dentist you choose, but cost savings are highest when you
use a provider in Humana’s network. You can find in-network providers by
calling Humana or visiting their website.
Is there a maximum age for orthodontia coverage?
Orthodontia coverage is available to any covered plan participant, regardless
of their age. There is no waiting period for orthodontia services.
Will I receive new Humana dental ID cards?
New employees or existing employees needing an ID card must go online
to print or download an ID card. Download the mobile app or register at
myhumana.com and use the View proof of coverage or Order ID card link.
In- and Out-
Calendar Year Plan Benefits Examples of Service
of-Network
Calendar Year Deductible (CYD) Applies to basic and major services
Per Individual $50
Family Aggregate $100
Diagnostic & Preventive Services Routine exams, cleanings, bitewing x-rays; fluoride
(In addition to annual allowance) treatment and space maintainers for children 100%
Basic Services (Plan covers) Fillings, extractions, endodontics, periodontics, oral
surgery, and general anesthesia 80%
Major Services (Plan covers) Crowns, dentures, bridges, and implants
50%
Regular Benefit Maximum (RBM) RBM covers the cost of basic and major services.
Per Individual Preventive services do not apply to annual maximum. $1,000
Wisdom Teeth Extraction Wisdom teeth extractions
Maximum Per Individual $1,000
Orthodontia Benefit Exams, x-rays, extraction and appliances for
Per Individual ($2,000 lifetime maximum) orthodontia services 100%
Note: If you choose to receive your dental care from an out-of-network dentist, you may be balance billed the difference between their
charge and what your Humana dental plan allows. For example, let’s say an out-of-network dentist charges $100 but your plan will only
allow for $70. The dentist may bill you for the remaining $30 in addition to what you may owe for your deductible or coinsurance.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
16Health Benefits
Vision Plan
Group# 1014572 • 877-398-2980 • www.humana.com
Vision exams can identify the signs of many serious health conditions and annual
check-ups are critical to your overall health. All employees who enroll in one of
the St. Johns County Medical Plans will be automatically enrolled in the Vision
Refresh Plan through Humana, utilizing the Humana Insight Network. The Vision
Refresh Plan provides comprehensive routine vision coverage and does not include
medical or surgical treatment of the eyes.
Frequency (based on calendar year)
Do I have to use certain vision providers? Routine Vision Exam Once per year
You can see any vision provider you choose,
Lenses or Contact Lenses Once per year
but cost savings are highest when you
use a participating provider in Humana’s Eye Glass Frames Once every other year
network.
Benefit In- Out-of-
What is a Benefit Allowance?
Network Network
A benefit allowance gives you a certain Routine Eye Exam $10 Copay Up to $30
dollar amount toward contacts and glasses
(lenses and frames). As long as you choose
materials that are within that dollar amount, Prescription Lenses
or allowance, they are covered at 100%. If Single Lenses $15 Copay Up to $25
you choose a frame exceeding your plan Lined Bifocal Lenses $15 Copay Up to $40
allowance, you’ll be responsible for paying Lined Trifocal Lenses $15 Copay Up to $60
the overage in addition to any applicable Lenticular Lenses $15 Copay Up to $100
copays at the time of your visit. Eye Glass Frames
Frames Allowance Reimbursement
Can I get contacts and glasses in the Max Benefit/Allowance $130 Retail $65 Retail
same calendar year? Discount over Allowance 20% N/A
You can only get contacts OR glasses in the Contact Lenses
same calendar year, not both. Standard Fit and Follow-up Up to $55 Not Covered
Conventional/Disposable Contacts $130 Allowance Up to $104
Do I have to file a claim to use this
Medically Necessary Contacts Paid in Full Up to $200
benefit?
If you stay in-network, your provider will file Diabetic Eye Care
the claim. If you go out-of-network, you will Exam $0 Up to $77
need to download a Humana Vision Claim Retinal imaging $0 Up to $50
Form to be reimbursed. Scanning laser $0 Up to $33
Laser Correction Discount 15% off retail
N/A
prices
Provider Network Optometrist and
N/A
(Humana Insight) Retail
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
17Income Protection
Basic Life and AD&D
Group# 164622 • 888-937-4783 • www.standard.com
St. Johns County provides all benefits eligible employees with Basic Life and Accidental Death and Dismemberment (AD&D)
Insurance at no cost to the employee. Employees receive a generous benefit, as shown in the chart below. Basic Life and AD&D
coverage is provided through The Standard.
Basic Life Insurance Coverage
All Eligible Employees $50,000
Elected Officials and Senior Management $75,000
Eligible Spouse if dependent on health policy $5,000
Eligible Child(ren) if dependent on health policy $2,000
Can I buy more coverage? Will my life insurance reduce?
Yes, you may purchase additional life insurance. Your amount of basic life insurance will reduce to 65%
when you reach age 65, 50% when you reach age 70, and
How long can my child be covered? 35% when you reach age 75.
You can cover your unmarried child up to the end of the
calendar month in which they turn 26. What is an accelerated death benefit?
If you should become terminally ill with 12 months or less
Do I need to name a beneficiary? to live, you can apply to receive up to 75% of your current
Yes. It is important to designate the person that you want life insurance amount as a one-time lump sum. Any amount
to receive your life insurance money. received will then reduce the amount of death benefit paid
out.
What is waiver of premium?
Waiver of premium allows your life insurance to continue Can I take my County provided life insurance with me
without payment of premium if you should become totally when I leave employment?
disabled. Please note that if your disability begins at age 65 Yes. If you employment ends, you may elect to convert your
or later, premiums may only be waived for up to 12 months. term life insurance to whole life insurance or simply take
your term life insurance policy with you. You must contact
The Standard within 31 days of your last day at work in order
to be eligible for either of these options.
Updating Your Beneficiaries
It is important to designate the person that you want to receive your life insurance money. The below coverages allow a
beneficiary to be named. You can name one person, two or more people, the trustee of a trust you've set up, a charity,
or an estate. The allocation of the funds must equal 100%. You can name or change your beneficiaries at any time by
logging onto Plan Source.
• Basic life
• Voluntary life
• Voluntary Critical illness
• Voluntary Accident
• Voluntary Hospital Indemnity
• Additional Accidental Death Benefits
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
18Income Protection
Voluntary Life Insurance
Group# 164622 • 888-937-4783 • www.standard.com
Voluntary Life insurance is available to employees as well as dependents on an optional basis and is provided through The
Standard. Employees must elect Voluntary Life Insurance for themselves in order to elect either Spouse and/or Child
Voluntary Life. Additional life insurance costs are available on Plan Source.
Voluntary Life Amount
Employee Up to $500,000 ($10,000 increments)
Spouse Up to $150,000 ($5,000 increments)
Dependent Child Up to $10,000 ($2,000 increments)
If I elect an amount that requires evidence of insurability Will my life insurance reduce?
(EOI), how do I provide it? Your amount of basic and voluntary life insurance for you and
If you are a new employee and first enrolling, you can purchase your spouse will reduce to 65% when you reach age 65, 50%
up to $300,000 of coverage on yourself and $25,000 of coverage when you reach age 70, and 35% when you reach age 75.
on your spouse without filling out a medical questionnaire (also
called evidence of insurability (EOI)). If EOI is required, you will My spouse also works for St. Johns County. Can we both buy
be directed to go to the Standard website and complete the EOI coverage?
questions online, and will be notified by mail from The Standard Yes. You may both purchase supplemental employee coverage.
whether you are approved for coverage. Premiums subject to EOI However, an employee can only be insured as an employee or a
will not be deducted from your pay until you have been approved. dependent, but not both.
How long can my child be covered? Please note that voluntary life insurance premiums are deducted
You can cover your child up to the end of the calendar month in from your payroll on a post-tax basis.
which they turn 26.
Additional Accidental/In-Line-Of-Duty Death Insurance
• Florida Deputy Sheriff’s Association - The Sheriff’s Office provides accidental death/dismemberment coverage for full
time employees. Coverage includes a benefit of one year’s salary (not to exceed $150,000) for accidental death/
dismemberment and may also include benefits for education.
• Florida Statutes 112.19 – The Sheriff’s Office provides in line of duty coverage for accidental death/dismemberment. See
statute for current benefit amounts.
• Federal Public Safety Officer’s Benefit Act (PSOB) – In line of duty benefit, see www.psob.gov for current benefit amount.
You may update your beneficiary information on PlanSource.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
19Income Protection
Disability Insurance
Group# 164622 • 888-937-4783 • www.standard.com
THE IMPORTANCE OF DISABILITY INSURANCE
Think of disability insurance as insurance for your paycheck. What happens if you have an accident and can’t work for a few
months while you heal? What if you get pregnant, or get sick and land in the hospital for awhile? The bills don’t stop just
because your paycheck stops. Disability insurance helps you fill the financial gap while you get better. Additionally, in the
event you can’t return to work, long-term disability insurance can provide you and your family with a continuing source of
income.
Did you know? Just over 1 in 4 of today’s 20-year olds will become disabled before they retire.
Source: U.S. Social Security Administration, Fact Sheet February 7, 2013
You have the opportunity to purchase Short-Term Disability Insurance (STD). Long-Term Disability Insurance (LTD)
is provided to you. Both options are through The Standard Life Insurance Company. If you elect STD coverage as a
newly eligible employee, no medical questions will be required. Any requests to enroll at a later date will be subject
to medical questions and approval by The Standard. Disability Insurance does not pay for injuries received on the job,
and benefits are reduced if you receive other payments (such as Social Security).
Short-Term Disability Insurance
Short-Term Option One
When benefits begin On your 15th day of inability to work
How much it pays 60% of your income to $1,000 per week
How long payments last Up to 24 weeks if you remain unable to work
• Your cost for coverage depends on your income
• When you are receiving short term disability benefits of 60% of your salary, you may only use 40% of your sick/vacation
accruals.
• For pregnancy, coverage lasts for up to 6 weeks, or up to 8 weeks for a c-section.
Long-Term Disability Insurance Long-Term Disability Insurance (LTD) is provided to you.
When benefits begin After 180 days of inability to work
How much it pays 60% of your income to $5,000 per month
How long payments last Until your disability ends or you reach your normal retirement age under Social
Security (whichever comes first)
• If you’re age 60 or older when your covered disability begins your benefits duration may differ.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
20Income Protection
Comprehensive Cancer Support
Company Code STJC-CGx-2021-0718 • 844-694-3666 • www.CancerGuardian.com
Because Cancer is Too
BIG
To Risk Going it Alone...
To learn more about this potentially
life-saving benefit:
CancerGuardian.com
or call 855-926-2374.
Cancer Guardian is a transformative benefit program that can help in the prevention and management
of cancer by combining the power of DNA testing with the personalized support of expert cancer care
resources. These specialized services not typically made available or covered by health insurance.
Day 1 Benefits:
• Cancer Information Line – speak with oncology experts about concerns, strategies, or care-giving Hereditary
• Risk Screening Test – understand your genetic risk for cancers and heart conditions
• Medical Records Platform – securely store medical records and share with your medical team at any time
If Diagnosed with Cancer:
• Dedicated Cancer Support Specialist (CSS) – dedicated CSS is assigned to provide support
• Expert Pathology Review – ensure correct diagnosis with 2nd opinion review
• Comprehensive Genomic Profiling – this test helps inform treatment decisions and clinical trial eligibility
• On-site Nurse Advocate (ONA) – can accompany you to up to 2 medical appointments to provide support
• Clinical Trial Explorer – personalized clinical trial search, reporting and enrollment platform
• Financial Navigation – projects out-of-pocket costs and identifies financial aid programs
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
21Income Protection
Voluntary Critical Illness
Group#606612 • 866-679-3054 • unum.com
The supplemental benefit options highlighted below are offered through Unum for employees to enroll on a post-tax basis,
with Critical Illness and Accident being portable. These voluntary benefits help employees with copays, deductibles and lost
wages when sick. Unum pays you a cash benefit when you need it most, regardless of what your medical insurance covers.
The cost of this plan will be shown as a pay period deduction when you enroll online through PlanSource. Rates are based on
attained age, benefit amount, and tobacco use.
What is a pre-existing condition?
Benefit Details
A pre-existing condition is one for which you received treatment,
Benefit Amount $10,000, $20,000, or $30,000 1 a diagnosis, service or prescription drugs during the 12 months
before your coverage began. If you become sick in your first
Recurrence year of coverage as a result of this condition, no benefits will be
100% if treatment free for 12 months payable for that illness.
Benefit
100% - Heart Attack What is the Recurrence Benefit?
Vascular
100% - Stroke
Conditions You will receive a benefit payment upon your initial diagnosis/
50% - Coronary Artery Bypass Surgery
treatment. If you are treatment free for 12 months and have a
100% - Major Organ Transplant condition within the same category as your initial diagnosis recur,
Organ Conditions you would receive a second benefit payment. At that time, the
100% - End Stage Renal Failure
benefits for that category would be exhausted.
100% - Invasive Cancer Be Well Benefit: Each family member who has Unum coverage can
Cancer
25% - Non-invasive Cancer receive $50 per Unum policy for getting a covered screening test,
Be Well Benefit $50 such as annual exams by a physician (including sports physicals)
for adults, well-child visits, health screenings and imaging studies
1
Covered spouses receive 50% of your benefit. Dependents are au- including chest x-ray and mammography, and screenings for
tomatically covered from live birth to age 26 at no extra cost. Their cholesterol and diabetes.
coverage amount is 50% of your benefit.
Voluntary Hospital Indemnity
Group#R0793869 • 866-679-3054 • unum.com
Have you been to the hospital lately? It's expensive and often completely unexpected! This Plan helps supplement your
medical insurance by paying you a lump sum if you go to the hospital.
How is this plan different from the Voluntary Personal Accident Plan? You will see similar benefits with each. However,
the Hospital Indemnity Plan covers you for hospital stays due to both accidents and illness.
Covered Benefits Hospital Indemnity Plan
Hospital Coverage (Per Accident/Illness)
Admission (once per year) $1,500 / $3,000 (ICU)
Confinement (31 day limit) $100/day or $200/day for ICU
Emergency Room (once per year) $150
Ambulance $100 for ground / $500 for air
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
22Income Protection
Accident Supplemental Coverage
Group# 606611 • 866-679-3054 • unum.com
Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need.
It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious
events. The supplemental accident coverage offered through UNUM is a portable benefit and deducted from your paycheck
pre-tax. Visit the Sheriff’s Office Sharepoint > Risk Management tab to download a claim form.
What does the Accident coverage include?
The accident coverage pays you benefits when an accident occurs,
regardless of whether it is on or off the job, 24 hours a day.
Additionally, each member can receive a $50 Be Well Benefit.
How do I earn the Be Well Benefit?
To earn the $50 Wellness Benefit, each covered member can
complete 1 of 49 covered wellness screening tests.
Go to unum.com to download the Wellness Claim Form.
Why is this coverage so valuable?
• It can help you with out-of-pocket costs that your medical
plan doesn’t cover, like co-pays and deductibles
• You’re guaranteed base coverage, without answering health
questions
• The cost is conveniently deducted from your paycheck
• You can keep your coverage if you change jobs or retire.
You’ll be billed directly.
Covered Benefits Accident Plan
Accidental Death Benefit
Employee $100,000
Spouse $50,000
Child $25,000
Dismemberment Loss & Paralysis
Per Injury $25,000 - $100,000
Injuries - 10 Types
Per Injury Ranging from $90 - $8,000
Medical Services & Treatment - 8 Types
Per Issue Ranging from $50 - $2,500
Hospital Coverage (per accident)
Admission $1,500 / $2,500 (ICU)
Confinement $400/day / $600/day (ICU)
Inpatient Rehab (30 day limit per year) $100/day
Be Well Benefit $50
Lodging Benefit (30 day limit per year) $150/day
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
23Income Protection
Emergency Travel Assistance
866-455-9188 • www.standard.com/travel • Policy # 164622
All full-time benefit eligible employees have FREE access to emergency travel assistance through The Standard. Service is
available when members experience travel or health emergencies more than 100 miles (150km) from home or internationally
for up to 180 days for business or pleasure. Some of the benefits available are:
• Medical Consultation and Evaluation • Prescription Assistance
• Lost Luggage or Document Assistance • Pre-Trip Information
• Emergency Message Transmission • Emergency Cash Coordination
• Emergency Medical Evacuation • Legal and Interpreter Referrals
• Care of Minor Children
Life Services Toolkit
800-378-5742 • www.standard.com/mytoolkit • User Name: assurance
The Standard has partnered with Health Advocate to offer online tools and services, which can help you create a will, make
advance funeral plans, and put your finances in order.
Estate Planning Assistance: Online tools walk you through the steps to prepare a will and create other documents, such as living wills,
powers of attorney and health care agent forms.
Financial Planning: Consult online services to help you manage debt, calculate mortgage and loan payments, and take care of other
financial matters.
Identity Theft Prevention: Check the website for ways to thwart identity thieves and resolve issues if identity theft occurs.
Funeral Arrangements: Use the website to calculate funeral costs, find funeral-related services and make decisions about funeral
arrangements in advance.
Beneficiary Services: Life insurance beneficiaries can access services for 12 months after the date of death, or 12 months after the
date of payment for recipients of an Accelerated Benefit. Supportive services can help your beneficiary cope after a loss, including
grief support (up to six face-to-face sessions with a professional counselor and unlimited phone support), legal services (schedule an
initial 30-minute office and a telephone consultation with a network attorney, and receive a 25% rate reduction for retaining the same
attorney), financial assistance (unlimited phone access to financial counselors for your beneficiaries), and more.
Value-Added Employee Counseling Program
888-293-6948 • workhealthlife.com/Standard3
The Standard has partnered with Health Advocate to offer free employee counseling services to you, your dependents
(including children to age 26), and all household members. Contact master's-degreed clinicians 24/7 by phone, online, live
chat, email, text, or via mobile app. Your program includes up to three face-to-face assessment and counseling sessions per
issue per household member.
The services provided through The Standard and Health Advocate are separate from your EAP benefits with New Directions,
found on page 25.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
24Self
Employee Assistance Program
800-624-5544 • betterhelp.com/newdirections (Company Code: sjso)
You want to do your best on the job. But when you have something on your mind, it can affect your work as well as your home
life. The way you feel affects the way you work, so we want you to have someone to turn to when you need help. The Employee
Assistance Program (EAP) is a benefit of employment with St. Johns County, designed to help employees and their families deal
with difficult life issues. Counselors are available 24 hours, 7 days a week.
What is the goal of the EAP?
The goal of the EAP is to help you restore balance. New Directions Behavioral Health can help you achieve your goals through
the right information and short-term counseling.
How does the EAP work?
The EAP provides you with counseling as well as referrals to legal, financial, child and elder care resources, which give you
even more resources to keep work and life balanced. Your program includes up to four face-to-face counseling sessions per
issue per household member each year.
Will anyone know that I have used the EAP?
No one will know you are using the EAP unless you tell them. HIPAA regulations for confidentiality are strictly followed.
You must sign a Release of Information before your counselor is allowed to communicate any information, except by those
situations required by law where there is a danger to self or others.
betterhelp.com/newdirections (Company Code: sjso)
There are a lot of great website resources! See below for more information!
BetterHelp - Online Therapy From Your EAP
Start Today
1. Visit betterhelp.com/newdirections and enter company code: sjso
2. Complete registration and get matched with a therapist
3. Download app and start therapy (message, chat, phone, video)
Your Employee Assistance Program
Legal or financial concerns, life changing events, substance
dependency, workplace challenges, relationships, stress, or
anxiety. Life can be hard. We’re here to help.
You are eligible for the same number of sessions as a telephonic and in-person counseling which is also
available through EAP.
Learn More: http://sharepoint.sjso.org/homepage/gnsv/risk/_layouts/15/start.aspx#/ | Enroll Online: https://benefits.plansource.com/?sjso
25You can also read
