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EmployeeBenefits Guide2024

Once you enroll in insurance coverage, the onlytime outside of Open Enrollment that you areallowed to make changes to your benefitselections is if you experience a qualified lifeevent. Examples may include getting married ordivorced, having a baby or adopting, or gaining orlosing eligibility for coverage. You must notify Employee Benefits and submitthe required documentation within 30 days ofthe qualified life event to be eligible to changeyour elections.Making Benefit SelectionsGetting startedNew Hire Enrollment Mid-Year ChangesNew hires have 30 days from their date of hire toenroll in benefits via www.brevardbenefits.com.Benefits are effective the 1st of the followingmonth if hired on the 1st-15th day, or on the 1stday of the 2nd month following your hire date ifhired on the 16th-31st day of the month.Employee Self-Service provides you online accessto your benefits at www.brevardbenefits.comUser ID: Your unique User ID will be the first 4letters of your last name and the last six numbers ofyour Social security number. Example: JONE123456Password: Your initial password will be your dateof birth [MMDDYYYY]. Example: 01011957Employee Self-ServiceWaiving Coverage?Employees waiving coverage may be eligible toreceive a $30 per month optout credit. You willneed to go into www.brevardbenefits.com toelect a waiver of coverage. If you do not do sowithin your new hire enrollment window orduring open enrollment, then you will beineligible for the opt-out credit (employees whoare eligible for Medicare insurance coverage arenot eligible to receive the opt-out credit per CMSguidelines).Evidence of InsurabilityIf you are electing Life Insurance, Long-termDisability (LTD), and/or Short-term Disability (STD),you will be required to fill out an Evidence ofInsurability Form and submit it to The Standardfor approval.When EOI is not required:• New Hires during their first 30 days ofemployment.• Election of the Guaranteed Issue Amount (for new hires only)ReminderIt is important to always keep your contactinformation up to date. If your mailing address,telephone number and/or email address haschanged, please contact the Human Resourcesoffice at 321-633-2031 and request an EmployeePersonal Information Form. 1

Making Benefit SelectionsGetting startedDependent VerificationAs part of the County's ongoing efforts to monitor cost and affordability of our benefit plans, we want to ensure that onlyeligible dependents are enrolled as covering ineligible dependents increases our cost for health coverage. The County kindly asks you to review the dependent eligibility requirements, which can be found on the next page,to ensure your dependents continue to meet the guidelines. If you are a surviving dependent, enrolling your spouse, and/or have a 26 to 30-year-old dependent child coveredunder Brevard County's health plan, then you are required to complete a Dependent Eligibility Affidavit on anannual basis. If not currently on file, you will need to submit the appropriate documentation to verify the dependent’seligibility.All required documentation must be submitted to Benefits within 30 days of Open Enrollment, or thequalified life event, or your dependent(s) may not have coverage. You will be charged a $100 per month surcharge per over age dependent child enrolled. In addition, you will berequired to pay imputed income through payroll*. If your spouse has health insurance available through their employer and you choose to enroll them in Brevard County'splan, then you will be subject to the Working Spouse Surcharge of $100 per month. If the eligibility of your dependent changes during the year, it is your responsibility to notify the Brevard County BenefitsDepartment within 30 days of the change. If the Dependent is to be discontinued due to a change, there will be nopremium or surcharge refund if the Brevard County Benefits Department is not notified within 30 days of the change. *If a covered employee provides health insurance benefits to an over age dependent under IRS rules the fair market valeof the coverage is considered imputed income, and must be reported as taxable income on the employee’s paycheck.This is not actual income, but it is included in the employee’s gross income in order to asses tax withholdings. Please ensure during enrollment that all Social Security Numbers for yourself and your dependents are reviewed and updated accordingly.2

Is My Dependent Eligible?SpouseCriteria: Legally married spouse (an ex-spouse does not meeteligibility criteria even if insurance coverage is specifiedby a judge in a divorce decree)Required Documentation:• Copy of Marriage Certificate or Marriage License;• Copy of Social Security card; and• A completed Dependent Eligibility Affidavit What To KnowChildrenCriteria: Includes the employee's natural born,adopted, foster, or stepchild, and a child for whomthe employee has been court-appointed as legalguardian or legal custodian. Dependent childrenare eligible for coverage until end of the calendar year inwhich they turn 26 years old.Required Documentation:• Birth Certificate OR Adoption Certificate OR Copy of Legal Guardian Documents; and• A copy of Social Security CardGrandchildrenCriteria: Grandchildren can be covered up to 18months of age (only eligible if the parent, i.e.employee's dependent, remains a covereddependent)Required Documentation:• Verify parent of child is eligible as noted above and currently enrolled• Copy of grandchild's Birth Certificate• Copy of grandchild's Social Security CardDisabled ChildrenCriteria: Children who are physically or mentallydisabled may be eligible to continue coveragebeyond age 26Required Documentation:• Verify child is otherwise eligible as noted under "Children"• Written statement from child's physician indicating disability & diagnosis OR Social Security Award LetterOver Age (26-30) ChildrenCriteria: Must meet all the following requirements:the child is unmarried and has no children of his or herown1.the child is a Florida resident OR is a full or part-timestudent AND 2.the child does not have health insurance available tothem elsewhere3.Required Documentation:• Verify eligibility under "Children"• Completion of a Dependent Eligibility Affidavit Surviving Spouse/ChildrenCriteria: If a Covered Retiree or a Covered Employee who is fullyvested in the Florida Retirement System dies, the eligibledependents covered at the time of death may remaincovered if they continue to meet the eligibility criteria. If aSurviving Spouse remarries, they must notify the EmployeeBenefits Office immediately and their coverage will end onthe last day of the month. Required Documentation:• Verify eligibility as noted under "Children" and/or "Spouse"• Dependent Eligibility Affidavit 3

You will only be allowed to change yourelections that are consistent with the lifeevent. For example, if you were covered underyour spouse’s health insurance, and he or sheloses their job, you can elect to enroll both youand your spouse under Brevard County’shealth plan.If you are adding a new dependent to yourplan, you will need to provide requireddocumentation to the Benefits Departmentwithin 30 days of the event. Can I Change My Benefits?What to KnowWhen can I change mybenefits?Annually during Open EnrollmentOnce employees enroll in insurance coverageand make their selections, they generallycannot change them until the next openenrollment period unless they experience aqualifying life event, such as:Marriage, divorce or legal separationChildbirth or adoptionInvoluntary loss of coverage under anotherplanChange in employment status for you oryour spouseGain or loss of entitlement to Medicare orMedicaid insurance coverageAging out of a parent’s insurance planYou must notify Employee Benefits andsubmit the required documentation within30 days of the qualified life event to beeligible to change your elections.Check out this 1-minutevideo to learn aboutQualified Life Events. Clickthis link or scan the QRcode to tune in:4

Benefits ManagerRebecca Acostarebecca.acosta@brevardfl.gov321-637-5454Benefits SpecialistsBecca O’Rear Services last names A-LNate DubidatServices last names M-Z rebecca.orear@brevardfl.gov321-637-5456nathaniel.dubidat@brevardfl.gov321-637-5455Medical insuranceCignaGroup: 3308988 UMRGroup: 76-4150631-800-244-6224mycigna.com1-800-826-9781umr.comPharmacy insuranceCignaRx Group: 33089881-800-244-6224mycigna.comHealth Reimbursement Arrangement (HRA)TASC1-800-422-4661tasconline.comFlexible Spending Accounts (FSAs)Medcom1-800-523-7542, opt. 1medcombenefits.comEmployee Assistance Program (EAP)Health Advocate1-877-240-6863healthadvocate.comDental insuranceCignaGroup: 33089881-800-244-6224mycigna.comVision insuranceDavis Vision1-877-923-2847davisvision.comLife and AD&D insuranceThe StandardGroup: 6417281-800-628-8600standard.comDisability insuranceThe StandardGroup: 6417281-800-368-1135standard.comContact informationGetting started2725 Judge Fran Jamieson Way Building B, Viera FL, 32940P: 321-633-2031 / F: 321-633-20315

Board of County Commissioners2725 Judge Fran Jamieson WayBldg. B STE 209 Viera, FL 32940P: 321-633-2031F: 321-633-2036Brevard County Sheriff’s Office700 S. Park AveTitusville, FL 32780P: 321-264-5212F: 321-264-5280Clerk of Courts400 South Street 2nd FloorTitusville, FL 32780P: 321-633-2171F: 321-633-2172Melbourne Tillman Water Control5990 Minton Rd. NWPalm Bay, FL 32907P: 321-723-7233F: 321-725-5933Supervisor of Elections2725 Judge Fran Jamieson WayBldg. C Viera, FL 32940P: 321-633-2088Sebastian Inlet Tax District114 6th Ave. Indialantic, FL 32903P: 321-724-5175F: 321-951-8182Property Appraiser’s Office400 South StreetTitusville, FL 32780P: 321-264-6763F: 321-225-3049Tax Collector’s Office400 South Street 6th FloorTitusville, FL 32780P: 321-264-6931F: 321-264-5398Titusville Cocoa Airport Authority355 Golden Knights Blvd. Titusville, FL 32780P: 321-267-8780F: 321-383-4284Indian River Lagoon Council1235 Main StreetSebastian, FL 32958P: 772-216-7148Human Resources Service CenterLocations by Agency6

Medical PlansCigna & UMR EPOCigna & UMR PPOCigna PPO PreferredEmployee Only$18.90$24.84$45.90Employee + Spouse$58.32$75.60$180.36Employee + Child(ren)$45.90$60.48$143.10Family$96.66$125.82$207.90Opt-Out Credits($15.00)($15.00)($15.00)Employer-Funded HRAWellness CreditsEmployee OnlyEmployee +1or moreCappedEPO & PPO Plans (available on Day 1 of coverage)$500$1,000$4,000SurchargesWorking Spouse$50 per pay periodOver Age Dependent$50 per Over Age Dependent per pay periodDental PlanCigna DHMOCigna DPPOLow OptionCigna DPPOHigh OptionEmployee Only$6.46$13.54$17.27Employee + Spouse$13.00$26.74$34.00Employee + Child(ren)$12.05$24.67$31.28Family$18.02$41.58$53.04Vision PlanDavis VisionLow OptionDavis Vision High OptionEmployee Only$2.16$2.48Employee + Spouse$4.31$4.96Employee + Child(ren)$3.77$4.34Family$5.36$6.822024 Per Pay Period Premiums7

Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral froma primary doctor. These may include- but are not limited to -cardiology, psychiatry, orthopedicsurgeons, rheumatology, surgery,and imaging (CT or MRI).Have questions? Your employee benefits team is hereto help you with all things benefits.See their contact information onthe next page.How to handle medicalbills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of Brevard County Government. You can request a paper copy at nocharge from:Tina Snydertina.snyder@brevardfl.govDownload nowHelpful Terms & ResourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and wewant you to be prepared!8

EPO (Cigna & UMR)PPO (Cigna & UMR)PPO Preferred (Cigna Only)Annual Deductible (DED)Out-of-pocket maximum$1,000 individual$2,000 family $4,000 individual$8,000 family In-Network$1,000 / $2,000 Out-of-Network$2,000 / $4,000In-Network$4,000 / $8,000Out-of-Network$8,000 / $16,000In-Network$1,000 / $2,000 Out-of-Network$2,000 / $4,000In-Network$3,000 / $6,000Out-of-Network$6,000 / $12,000Wellness Credits(Earn 20 points by August 31st)HRA$500 individual$1,000 familyHRA$500 individual$1,000 familyReduced Deductible$600 individual$1,200 familyIn-network CarePreventative carePrimary care visitSpecialist visitTelehealth100% covered$30 copay$60 copay$10 copay100% covered$30 copay$60 copay$10 copay100% covered$25 copay$50 copay$10 copayUrgent care (Preferred)Urgent care (All Others)Emergency room$30 copayDED then you pay 20%DED then you pay 20%$30 copayDED then you pay 20%DED then you pay 20%$30 copayDED then you pay 20%DED then you pay 20%Out-of-Network CareOffice VisitsEmergent CareProceduresNoneDED then you pay 40%DED then you pay 20%DED then you pay 40%DED then you pay 40%DED then you pay 20%DED then you pay 40%See plan detailsMedical InsuranceSee plan detailsSee plan detailsSelect from three medical options through & All plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).Not sure which plan to pick? Estimate your out-of-pocket costs under eachplan with our Decision Support Tool! The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Save $$$ by using thePreferred Networks!9

EPOPPOPPO PreferredPharmacy Deductible$100 Individual / $200 FamilyPharmacy Out-of-Pocket Maximum$3,600 Individual / $7,200 FamilyRetail 30-Day SupplyGeneric: $10Preferred Brand: $30 + 10%* ($60 max)Non-Preferred Brand: $50 + 10%* ($100 max)Retail 90-Day SupplyGeneric: $20Preferred Brand: $75*Non-Preferred Brand: $125*Specialty 30-Day Supply10%* up to $150 maxPharmacyCoverage for prescription drugs is included in all of Brevard County's comprehensive medical insurance plans.Prescription drug coverage is administered by Cigna as an in -network only benefit. To view a list of in-networkpharmacies, click on the link below, or visit mycigna.com or call at 1-800-Cigna24. The prescription drug plan has aseparate annual deductible and out-of-pocket maximum.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Cigna Value Rx FormularyClick Here to Check Your Medication CoverageSave on Prescriptions!*Deductible Applies to Preferred Brand, Non-Preferred Brand, and Specialty Medications10

Finding a Doctor in Your PlanInsurance companies build their plan offerings by inviting doctors to join their networks. When youvisit a doctor who is “in-network”, you benefit from the negotiated payment rates the insuranceplan and doctor have agreed upon. It’s these rates that translate into lower costs for you when yougo in-network. To find out if your doctor and other health care providers are covered by your newmedical insurance plan, or to find a covered provider if you don’t have one yet:1. Visit your health plan’s website [Cigna: cigna.com or UMR: umr.com] and check their providerdirectory, which is a list of the doctors, hospitals, and other health care providers that your medicalinsurance plan contracts with to provide care. Reference the networks listed below to see yourhealth plan’s provider directory.2. Contact the doctor’s office directly and ask if they accept the insurance plan. Be sure to clearlyspecify the provider network listed below to ensure that they accept the plan.3. Or once you have enrolled in a medical insurance plan you can log in to your account on theinsurance company’s website or app to search for a provider.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.CIGNAUMREPO Plan* search the LocalPlus networkEPO* & PPO Plans UnitedHealthcare Choice Plus networkPPO & PPO Preferred search the Open AccessPlus, OA plus, Choice Fund OA Plus networkUMR does not offer the PPO Preferred medicalinsurance plan*Note: The provider network in the EPO plan is approximately 40% lower and there are no out-of-network benefits. If you enroll in the EPO plan you must see an in-network provider to receive medical insurance benefits.11

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Preferred12mdlive.comteladoc.com

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.13© 2022 Surgery Plus. All rights reserved. Your medical coverage may require you to use yourSurgery Plus benefit for specificprocedures. Call to learn more.Guided Access toExcellent Surgical Care What is Surgery Plus?Surgery Plus provides you with access to the best,most affordable care for many planned surgicalprocedures. It’s already included in your medicalbenefits at no additional cost to you. The Surgery Plus DifferenceExcellent Care Guided Support Meaningful SavingsYour personal Care Advocate willsupport you every step of the wayYou receive the great surgical careat little to no costAccess to our network of thousandsof highly qualified surgeonsHere’s what’s coveredIn partnership with your employer,we cover the most expensive costsassociated with surgery, so you’llpay less for your procedure whenyou use your Surgery Plus benefit.Your coverage includes:• Consults and appointments withyour Surgery Plus surgeon• Anesthesia• Procedure and facility (hospital) fees• Dedicated support and guidance• Spine• Orthopedic• Ear, Nose & Throat• Cardiac• Gynecology• General Surgery• Gastroenterology• Spine and Ortho InjectionsCommonly CoveredProceduresBrevardCounty@SurgeryPlus.comBrevardCounty.SurgeryPlus.comYou deserve excellent care. Call us to learn more at 833.708.0155

How do I access the benefit? What does SurgeryPlus cover?Does SurgeryPlus cost me anything?Who will help me through this process? What will my surgery cost? How do I find the right surgeon? What happens after my surgery? What isn’t covered by SurgeryPlus?How do I know if a surgery is covered? If I already have a surgeon, how do I knowif they are in the SurgeryPlus network? Your SurgeryPlus coverage includes:• Dedicated support and guidance • Access to our network of thousands of highly qualified and carefully selected surgeons• Consults and appointments with your SurgeryPlus surgeon • Anesthesia, procedure and facility (hospital) feesYour benefit includes guided access from a SurgeryPlusCare Advocate who will:• Provide personalized support throughout your surgical journey. • Educate you on the benefit, with an understanding of your surgical need. • Provide you with the resources to help you make the best decisions regarding your care, including how to find the best surgeon in our network.If you have questions about the benefit, or if you or one ofyour dependents need surgery, you may be required towork with one of our surgeons, so make us your first call.To learn more, contact your SurgeryPlus Care Advocatetoday at (833) 708-0155.You’re automatically enrolled in the benefit as part of themedical benefits offered by your employer at no additionalcost to you. SurgeryPlus is an additional medical benefit that provides you with access to excellent andaffordable care for many planned surgical procedures. In partnership with your employer,SurgeryPlus covers the most expensive costs associated with your surgery so you don’t have to.Call your Care Advocate and they will be able to confirmwhether your current surgeon is in our network. We cover the most expensive costs associated withsurgery, so you’ll pay less for your procedure when youuse your benefit. To maximize your savings, call your CareAdvocate as soon as possible to confirm the details ofyour benefit and what you’ll be responsible for covering, ifanything.Testing, scans, imaging, durable medical equipment, andphysical therapy expenses may not be included. However,coverage may be available through your medical plan.¡Visita la páginaSurgeryPlus.com yselecciona español paraobtener más información!Your Care Advocate will follow up and ensure you receivedthe highest quality care and schedule any post-procedureappointments.Contact us at (833) 708-0155 or visit your portal to confirmwhether your procedure is covered. With an understanding of your healthcare needs, your CareAdvocate will provide a list of the best surgeons in ournetwork so you can choose the one that’s right for you.Frequently Asked Questions© 2024 SurgeryPlus. All rights reserved. PL-FAQF-v2-0823Scan to log in toyour personalizedportal to understandwhat’s covered.When you need to plan a surgery,make SurgeryPlus your first call:(833) 708-0155

Hinge HealthBrevard County Government is partnering with Hinge Health to help you conquer backand joint pain, recover from injuries, prepare for surgery, or stay healthy and pain free. Their personalized physical therapy programs are available to you and your eligibledependents at no cost to you and provide all the tools you need to get moving againfrom the comfort of your home. Your treatment plan will be tailored to you, and could include one-on-one physicaltherapy sessions, and wearable sensors to give live feedback on your form in the app.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Available to you & your adult dependentscovered under a UMR or Cigna medicalinsurance planFree benefit for your back and joint health Even though surgery may not be needed today, we are still here to help you. WithSurgeryPlus and your health plan coverage, you have free access to virtual physicaltherapy and more through Hinge Health. Get expert care to conquer your back, knee, hip, shoulder, neck and other painfor free with Hinge Health. To learn more call (855) 902-2777, or apply at:HINGEHEALTH.COM/BREVARDCOUNTYGOVStart your digital exercise therapy program today. No commutes. no waiting rooms. Just pain relief. 15

Reminder:Certain procedures may require priorauthorization or precertification. Talk toyour doctor and contact Cigna/UMR if youhave questionsTeladoc (UMR) and MDLive (Cigna) $10 copayAvailable 24/7 for both general medicine andmental health visitsTelehealthMoney Saving TipsWhere To Go For Care?Need to have an outpatient procedure orhigh-tech imaging?Both UMR & Cigna members have access to apreferred network of providers$125 copayClick to view the current locationsQuest Diagnostics is the preferred clinicallaboratory for the collection and processing ofall lab testing services. Quest Diagnosticsoffers you the ability to book an appointmentin advance online at questdiagnostics.comto save time.Preferred Surgical Centers & Radiology FacilitiesSave money by going to our preferredurgent care provider - MedFast - where youwill pay a $30.00 copay for all servicesrendered You will pay up to your annual deductible +coinsurance for all other Urgent CareFacilitiesUrgent CareNeed a joint replacement?Cigna members have exclusive access tothe Bone & Joint Health BenefitNO COST to youPLUS a Bank of America Travel Visa CardClick here for more informationCigna’s Bone & Joint HealthIf you need to have a non-emergency surgicalprocedure, or if you are looking for alternativetreatment options, both Surgery Plus andHinge Health are available to employees andtheir dependents who have medical insurancecoverage. Both UMR & Cigna members have access to ahigh-performance network of the nation’s topsurgeons and physical therapistsNO COST to youPLUS Travel BenefitsClick here for more informationSurgery Plus & Hinge Health16

PlansCignaUMRProviderSee plan detailsYour life is an adventure, and telehealth affords you the convenience ofreceiving care while on the go. Instead of spending your day and dollars at anUrgent Care or Emergency Room, connect with a board certified doctor overthe phone or video chat to receive immediate and cost-effective care whereverlife's journey may take you. All of Brevard County's medical plans includeaccess to general medicine and mental health virtual visits. Telehealth: virtual health care that fits your scheduleTotal wellbeing:caring for all of youSupport for your health, finances, and life.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.$10 Copay!!Employee Assistance ProgramYou encounter more than just health concerns throughout your life. Manage life's curveballswith a confidential and complimentary program designed to provide counseling, support,and resources for a variety of personal issues like stress and anxiety, relationshipstruggles, substance abuse, eldercare, financial worries, and much more. As a Brevard County employee, you and your immediate family members have access to six(6) counseling sessions per issue per individual at NO COST to you. You do not need tohave other health insurance coverage to utilize this benefit. Click here to learn more about your EAP benefits!17

Employee WellnessWe recognize that Brevard County's most valuable resource is our employees, andthat the health and wellbeing of our employees has a direct impact upon the continuedsuccess of our organization. Throughout the year, we offer several educationalinitiatives and a variety of lifestyle programs designed to help you establish healthyhabits. Below are a few of our wellbeing offerings available to you: Mental wellbeing includes mental health but goes far beyond treating mental illness. Your mental wellbeingincludes how you think, act and feel. It also helps you cope with stress, relate to others and make decisions. AtBrevard County, we understand that mental health plays a large role in overall wellbeing that's why we offerconvenient, confidential, and high-quality resources to support you and your family. Both Cigna and UMR members have access to in personAND virtual:CounselingPsychiatry visitsLifestyle coachingStress management programsGroup Fitness Classes, including Yoga and Spin1 :1 in-person and online Health CoachingOnsite Biometric Screenings and Health FairsFinancial Wellbeing SeminarsCampaigns and Challenges, such as the Global FitnessChallenge, Mission SLIMpossible, Mindfulness Series,and more!Both UMR and Cigna Member’s get discounted gym membership!See the next page for detailsMental Health BenefitsClick here to access our Mental Health Benefits ToolkitBrevard County's Wellness Program is completely voluntary and available to all employees enrolled in a medical insurance plan.The program is administered according to federal rules permitting employer-sponsored wellness programs that seek to improveemployee health or prevent disease. Please consult with your doctor before starting a new exercise or nutrition regimen.Virtual CounselingEmotionalHealth &WellbeingMentalHealthSubstanceAbuseCoaching & SupportLifestyleManagement Programs18

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Incentive Rewards ProgramLearn how you can earn HRA credits or lower your annual deductible when you complete your online health riskassessment, annual physical, and other wellness activities between September 1st and August 31st of each year.Register on mycigna.com to get started!Trish Tippins-FlammioWellbeing CoordinatorTrish.Tippins-Flammio@brevardfl.gov321.243.1322Kelly FrenoOnsite Health CoachKelly.Freno@evernorth.com321.637.5450Questions?Contact the Brevard Wellness Team!Brevard County's Wellness Program is completely voluntary and available to all employees. The program is administeredaccording to federal rules permitting employer-sponsored wellness programs that seek to improve employee health orprevent disease. Please consult with your doctor before starting a new exercise or nutrition regimen.20All employees who have medical insurance coverage are eligible for this benefit.See plan details

How to use your HRAThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.What is an HRA?A Health Reimbursement Arrangement (HRA) is anemployer-funded account that helps employees payfor qualified medical expenses covered by theirhealth plans (prescriptions, deductibles, copays,coinsurance).TASC is our HRA AdministratorWhat Plans have an HRA?EPO & PPO medical insurance plan, but not the PPOPreferred Plan. In lieu of the HRA credit membersenrolled in the PPO Preferred Plan who completetheir Wellness Incentives receive a lower annualdeductible. Who receives HRA credits?Employees who have completed their WellnessIncentives by August 31st will receive the HRACredits.Retirees and COBRA participants do not need tocomplete Wellness Incentives to receive their HRACredits. At the start of the plan year members who are at themaximum rollover cap of $4,000 will not receive newHRA credits.How much does the County contributeto my HRA?Employee Only: $500 per calendar yearEmployee+ Dependents: $1000 per calendar yearWhen are the HRA credits available forme to use?HRA Credits are available to use on covered medical& pharmacy out-of-pocket costs on the day yourmedical insurance coverage begins, or in earlyJanuary each year. You cannot use the HRA benefitfor dental or vision insurance expenses. You will receive a debit card from TASC. You can usethe debit card at the point of service to pay forcovered medical & pharmacy expenses, such ascopays or coinsurance, for yourself and any covereddependents.You may also submit a manual claim forreimbursement via your TASC Account. You will needto upload a copy of an Explanation of Benefits (EOB)or detailed pharmacy receipt in order to receivereimbursement.Please see the Summary Plan Description for detailson the covered medical and pharmacy benefitseligible for HRA use.If you have employee only coverage and add adependent as a result of a qualified life event, yourcoverage tier will increase accordingly and your HRAcontribution will increase by $500. The increase willoccur the 1st of the following month.Members who are at the rollover cap of $4,000 willnot receive new HRA Credits.What happens to my remaining credits atthe end of the year?If you continue to enroll in the EPO or PPO Plan, anycredits remaining at the end of the year will roll overto the next Plan year up to the maximum accumulatedcap of $4,000.Manage your HRA with TASConline. Continue to thenext page for details on how to set up access to yourHRA benefit at TASConline.21What happens if I switch plans?Once you are no longer enrolled in the EPO or PPOplan, you lose access to the HRA Credits. You willforfeit any remaining HRA balance if you dropcoverage with the County, enroll in the PPOPreferred Plan, or enroll in a Medicare Plan.

23It is important to use the email address your employer has on file for you. If the one youentered is not recognized, please contact your employer to verify the email address on file.Watch the Accessing Your Account tutorial!Let’s get you signed in.UNIVERSAL BENEFIT ACCOUNTParticipant AccessQuestions? Ask your employer or contact your plan administrator: Total Administration Services Corporation • www.tasconline.com • 1-800-422-4661TC-6213-041819Visit tasconline.com and selectThe first time you visit, select Sign Up and follow the directions to set up your account.All other times, simply Sign In with your established email and password.

DPPO Low OptionDPPO High OptionDHMO Dental CareIn-NetworkOut-of-NetworkIn & Out-of-NetworkIn-Network OnlyAnnual Deductible (DED)$50 per person $150 family max$75 per person $225 family max$50 per person $150 family maxNoneAnnual maximum benefit(Class I does not apply)$1,000$750$1,500 per person NonePreventive care100% covered100% coveredClick here to view the DHMOschedule of benefitsIn order to utilize the planbenefits, you must select acontracted dentist.Basic care70% afterdeductible60% afterdeductible80% after deductibleMajor care40% afterdeductible40% afterdeductible50% after deductibleOrthodontic careCoverageLifetime max benefit19 years old and under40%$1,00050%$1,000Covered - See page 23 ofDHMO schedule of benefitsSee plan detailsDental InsuranceSee plan detailsSee plan detailsSelect from three dental insurance plans through Cigna.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Cigna will pay each year for dental care (annualmaximum benefit), andwhether orthodontic care is covered.DPPO plan deductibles and plan maximumscross accumulate between In-Network andOut-of-Network Orthodontia benefits are available to bothadults and children covered under the planIn order to utilize DHMO planbenefits, you must select acontracted dentist. Need help finding a contracteddentist? Click Here!23

In-network careLow OptionHigh OptionAnnual eye exam (once every calendar year)$15 copay$15 copayFrame Allowance(every 24 months)$100 allowance + 20% discount on balance$130 allowance +20% discount on balanceLenses (once every calendar year)BifocalsScratch-Resistant CoatingTransitions$25$0$65$25$0$65Contact Lens Evaluation & Fitting(once every calendar year)$0$0Collection Contact Lenses(in lieu of eyeglass lenses)Up to 4 boxes includedUp to 4 boxes includedNon-Collection Contact Lenses(in lieu of eyeglass lenses)$105 allowance$130 allowanceLocate a provider viadavisvision.comClient Code 3179Client Code 3180See plan detailsVision InsuranceSee plan detailsThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plans cover annual exams, lenses and frames, or contacts in lieu of glasses. The differences are:what you pay for the plan, what you pay when you get care, andthe materials allowance (how much the plan will pay) for frames or contact lenses.Select from two vision insurance plans through Davis Vision.For more details, log on to the Open Enrollment sectionof your Member Portal at davisvision.com24

See plan details2024 maximum contribution$5,000Married filing separately? You can contribute up to $2,500 per person.2024 minimum contribution$240.002024 maximum contribution$3,050.00Annual rollover amount$0See plan detailsWhen are the funds available to me?How long do I have to use my money?Eligible expensesPay for eligible child or disabled adult care while youwork or attend school.Dependent Care FSAFlexible Spending Accounts (FSAs)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Health Care FSASave tax dollars and tap into future savings through an FSA. Determine your per paycheck contribution in the beginningof the year, and then spend those funds on qualified health expenses or dependent care expenses as needed before theplan year ends. Pay for eligible medical, prescription, dental, andvision expenses.Use your Medcom FSA Card for:Health Care FSA: pay for out-of-pocket medical,dental & vision expenses as well as certain over-the-counter medicationsDependent Care FSA: pay for child or adult daycare expenses while you and your spouse work orattend schoolHealth Care FSA: the day your benefits beginDependent Care FSA: The money you contributeto your dependent care FSA is deducted from yourpay over 24 pay periods and deposited into youraccount. The total funds you contribute annuallyare not immediately available at the beginning ofthe plan year. This is an important differencebetween a dependent care FSA and a health careFSA. As soon as you have money in your dependentcare FSA, you can use it to pay for eligibledependent care expenses. Funds must be used by March 15th of the followingplan year. All claims must be submitted forreimbursement no later than March 31stIf you terminate employment midyear, or retire fromthe County, you have 90 days from date oftermination, or date of retirement, to submit claimsfor reimbursement to Medcom.Per IRS regulations any unused funds remaining in your FSA as of date of termination or date ofretirement is forfeited unless you elect COBRAcontinuation coverage. Remember:This is a use-it or lose-it benefit, meaning if youcontribute more than you spend in the year, then youwill forfeit any unused monies. Look at your expenses from the last few years anddetermine what your average out-of- pocket medicalexpenses have been. Watch this short video to learnmore about FSAs! Tip:FAQs & Quick Start Guide25

20You can spend FSA funds to pay deductibles andcopayments, but not for insurance premiums. Youcan spend FSA funds on prescriptionmedications, as well as over-the-countermedicines with a doctor's prescription.Reimbursements for insulin are allowed without a prescription. FSAs may also be used to cover costs of medicalequipment like crutches, supplies like bandages,and diagnostic devices like blood sugar test kits. • First Aid Kits • Sunscreen • Athletic Braces & Supports • Blood Glucose Monitors & Test Strips • Diabetes Care Accessories • Wheelchairs & Accessories • Pregnancy & Fertility Tests • Nasal Spray • Blood Pressure Monitors • Breast Pumps & Accessories • Allergy Medicine • Pain Relievers • Feminine PersonalCare Treatments • Cough, Cold, & Flu Medicine • Acne Treatments • Nicotine Gum & Patches • Sleep Aids • Children’s Fever & Pain Relievers • Stomach & Digestive Aids • Anti-Fungal Treatments Using Your FlexibleSpending Account Learn moreabout FSA Store: A few key points:FSA-Eligible Items •• • Contact www.medcombenefits.comMedcomReceipts@medcombenefits.com(800) 523-7542, option 1 Medcom FSASolutionsAdditional Facts for FSA AccountsThe Complete FSA Eligibility Test

HRA vs. FSAThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.What’s the difference?27Is there an annualcontribution limit? What expensesare eligible forreimbursement? Type of account Who administers the account? Who funds the account? Can unused funds berolled over from yearto year? Who can the funds bespent on? May additionaldocumentation berequired? May the account reimburse non-medical expenses? No Yes Covered Medical &Pharmacy out-of-pocketcosts (ex: copays andcoinsurance for doctorvisits, prescriptions, labwork, X-Rays, etc.) Refer to your Medical Plan Documents for coverage details. Employees, Retirees, and their covered dependents who are enrolled in the EPO or PPO Plans. Yes HRA Health Reimbursement Arrangement TASC Employer Annual contribution limits are determined by the County. No new credits will be added to accounts with a balance of $4,000 or greater. YesYes Health Care FSAHealth Care Flexible Spending Account Medcom Employee IRS Publication 502medical, dental, andvision expenses Employees and theirtax-qualifieddependents Employees cancontribute up to $3,050No, but there is a 2.5 month grace period after end of the year to spend unused funds into the next plan year. Yes IRS Publication 503child and dependentcare expenses Dependent Care FSADependent Care Flexible Spending Account Medcom Employee Employees can contribute up to $5,000, or $2,500 if married and filing separately. No, but there is a 2.5 month grace period after end of the year to spend unused funds into the next plan year. Children up to age 13and tax-qualifieddependents who aredisabled or incapable ofcaring for oneself Yes

Basic lifeBasic AD&DBrevard County Government provides1x your AnnualEarnings1x your AnnualEarningsSee plan detailsFor youFor your spouseFor your child(ren)Coverageincrements$10,000$5,000$1,000GuaranteedIssued$350,000*$30,000$10,000MaximumBenefit withApproval$500,000**$250,000***n/aSee plan detailsWhat's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodily functions(sight, limbs, etc.)RememberYou cannot be insured asboth an employee and adependentIf the Employer or Spouseelects Supplemental Lifeabove the guaranteedissue, a medicalquestionnaire, or Evidenceof Insurability (EOI), mustbe completed.Keep your beneficiaryinformation up-to-date!How to Submit an EOIYou may also purchase additional coverage for you, your spouse, and youreligible child(ren). You can elect up to 5x your annual earnings in Supplemental Employee Life.New Hires are guaranteed up to 3x your annual earnings when you enrollwithin your first 30 days.You may purchase Supplemental Life Insurance coverage for your spouse ofup to 50% of your Voluntary Life election amount.Supplemental Child Life can be purchased for children up to age 26.Supplemental Employee and Spouse Life includes AD&D insurance.Supplemental Life and AD&D InsuranceLife insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through The Standard.Life and AD&D InsuranceMake sure to designate a beneficiary for your life insurance coverage to ensureyour family is cared for according to your wishes.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic Life and AD&D InsuranceBrevard County Government provides life and AD&D insurance at no cost to you.*less of 3x your Annual Earnings of $350,000**but not to exceed 5x your Annual Earnings***maximum coverage for Spouse is 50% of Employee Life not to exceed $250,00028

Plan 1Plan 2Weekly Benefit60% of your earningsto a max of $1,50060% of your earningsto a max of $1,500Duration24 weeks13 weeksWaiting Period14 days90 daysSee plan detailsSee plan detailsDisability InsuranceDisability Insurance 101Benefits are paid on a weekly basis Employees can use annual or sick leaveto reach 80% of pre-disability earnings.Employees must use annual leave inorder to receive FRS credits. Income (i.e. SSI, FRS) received whileout on disability will reduce yourdisability payment. Income must bereported to The Standard.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance through The Standard.Disability coverage insures your paycheck, replacing a portion of your income if you’reunable to work due to a covered illness or non-work related injury. Short-term disability coverage can replace part of your paycheck if you’re unable to work for a shorter period of time.Brevard County offers two Short-Term Disability (STD) plans which pay 60% of pre-disability earnings.Short-term DisabilityLong-term disability coverage can provide lasting income protection if you remain unable to work. Brevard County offerstwo Long-Term Disability (LTD) plans which pay 60% of pre-disability earnings.Long-term DisabilityPlan 1Plan 2Monthly Benefit60% of your earningsto a max of $5,00060% of your earningsto a max of $5,000Waiting Period90 days180 daysYou must submit EOI and be approved in order to be enrolled in theseemployee-paid coverages. New Hires are not subject to EOI whenelected within the first 30 days.Benefits are paid on a monthly basis All leave must be exhausted prior toreceiving LTD benefits Income (i.e. SSI, FRS) received whileout on disability will reduce yourdisability payment. Income must bereported to The Standard.If you elect both Short-Term and Long-Term Disability benefits then you mustchoose the 180-day Long-TermDisability waiting period.29

Medical, Pharmacy, Dental, Vision, and Lifeinsurance coverages are all offered. You mayonly continue the benefits and dependentcoverage you had on your last day ofemployment. Open Enrollment is the perfecttime to review your benefits and covereddependents. If you do not elect coverage for your and/oryour dependents when you retire, then you willnot be allowed to re-enroll at any time.To review all the retiree benefit options, pleasesee: What benefits are offered to Retirees?What to KnowThinking About Retirement?Once you retire, you cannot be in anemployment relationship with an FRS employerfor the first six calendar months of retirementto meet the termination requirement.Depending on the job position you are re-hiredinto, you may be eligible to rejoin the activeemployee benefit plans. Contact the EmployeeBenefits Office to discuss your specificcircumstances and the benefit optionsavailable to you. Click to view READY, SET, RETIRE What happens if I retire but latercome back to work for the county?Want to meet 1-on-1 with a Retiree Benefits Specialist? Contact the Employee Benefit Office at (321)633-2031Can I change my benefits afterretirement?You may change your elections annually duringOpen Enrollment. For example, if you arecurrently in the Vision High Plan and want toswitch to the Low Plan, you may do so at OpenEnrollment. However, you will not be allowed toenroll in a benefit that you did not elect uponyour retirement. After retirement you may cancel your insurancecoverage at any time. If you elect to dropcoverage for you and/or your dependents at anytime during your enrollment, you and/or youdependents will not be allowed to re-enroll.You may be allowed to enroll newly eligibledependents after retirement upon marriage,birth, or adoption.What’s the difference betweenCOBRA and Retiree Benefits? COBRA coverage is offered when youterminate employment or lose coverage undera group health plan. The cost of COBRAcoverage is 102% of the total premium for eachbenefit. COBRA is limited to 18-36 months ofcoverage (depending on your situation)Retiree Benefits are offered when you retirefrom the County and have met the applicableservice requirements. Unlike COBRA, there isno time limit for how long you can be covered.Just note that if you drop coverage, you willnot be allowed to re-enrollIf you are over age 65, the County offersmultiple Medicare plan options.30Non-Medicare Retiree Benefits GuideMedicare Retiree Benefits Guide

2024 Benefits