A National Asset for National Missions

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  • Next, let’s talk about our Employee Assistance Program. This program includes... To sign up for the program, call their toll free number or visit the web site. This program is 100% confidential.

Transcript

  • 1. Your Plans and What You Need To Know For Open Enrollment – Non-SCA Employees CACI FY 2010 Benefits
  • 2. Today’s Agenda
    • About Open Enrollment
    • Changes Effective July 1, 2009
    • Benefits Plan Overview
    • Actions You Need To Take
    • Your Questions
  • 3. Open Enrollment
    • Started May 11 th 8:00 am ET
    • Ends May 29 th midnight ET
    • www.caci.essbenefits.com
    • System available 24/7 during Open Enrollment
    • Enrollment packages have been mailed
  • 4. Changes Effective July 1, 2009
    • The company and employees will share the increased cost of coverage.
    • Premiums will increase by 5.7% - well below the national average of 10-12%.
    • For FY10, we have made the following enhancements to our plans:
        • New Prescription Drug Administrator - Medco
        • Enhanced Preventive Care Benefits
        • New Hearing Aid Benefit
        • Disease Management Programs
        • New Dental Premium PPO Option
        • Coverage for Dental Implants added
        • New Voluntary Critical Illness Plan
        • Will Preparation Program
  • 5. Core Insurance Benefits:
    • Three Medical Plan Choices:
      • CIGNA Open Access Plan (OAP) with Medco Pharmacy
      • CIGNA Network Plan (HMO) with Medco Pharmacy
      • United Healthcare Consumer Driven Health Plan (CDHP) with Medco Pharmacy
    • Three Dental Plan Choices:
      • CIGNA PPO
      • CIGNA Premium PPO
      • CIGNA DMO
    • One Vision Plan (This same VSP coverage is included in all domestic CIGNA medical plans)
    • Flexible Spending Account Plans – Medical and Dependent Care
    • Company Paid Life/AD&D, Long Term and Short Term Disability
    • Voluntary Plans
  • 6. CIGNA Medical Plans
    • Cigna Open Access Plus (OAP)
    • See providers in or out of the network (choose in-network providers for lower out-of-pocket costs to you)
    • Benefits not subject to a copay are payable after you meet a deductible and coinsurance
    • Cigna Network (HMO)
      • Requires a Primary Care Physician (PCP) selection
      • Non-network care is not covered
      • No deductible
      • Benefits are subject to a copay
    Reminder: medical plan deductibles for the CIGNA plans apply for the calendar year (Jan – Dec), not the plan year (July – June)
  • 7. Definity/UHC Consumer-Driven Health (CDH) Plan
    • Introduced in 2006
    • Puts you in control
      • You decide where to receive care
      • You manage your benefit dollars
      • Preventive care covered at 100% In-Network
      • Web-based tools and resources
    • $$ Earn Extra HRA Benefit Dollars $$
    • You may earn an additional $50 (deposited into your HRA) by completing the online health assessment offered by UHC each year.
    • Spouses are also eligible for this incentive
     Check It Out Before You Enroll www.myuhc.com/groups/CACI
  • 8. Definity/UHC Consumer-Driven Health (CDH) Plan – How does it work?
    • CACI funds a Health Reimbursement Account (HRA)
      • Amount funded is based on covered family size
      • You decide how to spend or save these dollars
      • Unused HRA $ rolls over to next year
    • After the HRA is used, and your deductible has been met, covered expenses are paid at 90%:
      • Save money by using network doctors, hospitals, labs, etc.
      • All pharmacies are treated as “in-network”
      • Deductible, co-insurance, out-of-pocket maximum
    1 2 3 4 Out Of Network $2,750 $5,125 $7,500 In Network $1,750 $3,125 $4,500 In & Out of Network $750 $1,125 $1,500 Employee Employee + 1 Family 90% In-Network 60% Out-of-network Employee Employee + 1 Family Out-of-Pocket Max Co-Insurance Deductible Part 2: Member Responsibility $750 $1,125 $1,500 Employee Employee + 1 Family Deductible Part 1: HRA
  • 9. Medical Plan Enhancements
    • Preventive Care and Health Screenings Covered at 100% In-Network
    • The CIGNA and Definity/UHC medical plans cover recommended mammograms, Pap smears, and prostate cancer tests, as well as other screenings at 100%* (in- network only for plans with networks).
    • If you are in the CIGNA Network or OAP Plan, you may need to tell your provider that preventive care is not subject to a copay.
    • New Hearing Aid Benefit
    • Participants in the CIGNA and Definity/UHC CDH Plan will have a new hearing aid benefit. Beginning on July 1, 2009, hearing aids are a covered expense, paid at 80%, up to $5,000 every three years.
    • * The CIGNA OAP Plan caps the Preventive Care Benefit at $1,000 per calendar year.
  • 10. Medical Plan Enhancements, (cont.)
    • Disease Management Programs
    • If you suffer from a chronic medical condition, such as high blood pressure, asthma, or diabetes, CACI offers you a special program to help you manage your illness. Through a partnership with Optimal Health, you have access to a registered nurse health coach and a team of health experts who can help you stay on track with your treatments.
    • This program is voluntary, confidential, and free – no one at CACI will know if you participate. You may be eligible to participate in this program if you suffer from one or more of the following conditions:
    • Asthma Congestive heart failure
    • Cancer Chronic obstructive pulmonary disease
    • Back pain Diabetes
    • Coronary artery disease End-stage renal disease
  • 11. Medical Plan Enhancements, (cont.)
    • New Prescription Drug Administrator
    • Beginning on July 1, 2009, prescription drug benefits for participants in CACI’s medical options provided through CIGNA (except the CIGNA International Plan) and Definity/UHC will be administered through Medco Health Solutions, Inc. (Medco).
    • Prescription Drug Benefits — CIGNA Plans
    • When you enroll in any of the domestic CIGNA medical plans, your retail and mail-order prescription drug coverage is administered through Medco. See the chart below for the amount you’ll pay for prescriptions, based on the three tiers.
    • Retail Pharmacy Mail Order
    • (up to a 30-day supply) (up to a 90-day supply)
    • Tier 1 $10 $20
    • Tier 2 $25 $50
    • Tier 3 $50 $100
    • Prescription Drug Benefits — Definity/UHC CDH Plan
    • For the Definity/UHC CDH plan, prescription drug benefits are currently administered through Medco and this will continue into the future, with some changes, including a new prescription drug card. You pay for your prescriptions in full up to the plan deductible (with the help of your HRA); then, once you have satisfied the deductible, you will pay 10% for prescription drugs through retail pharmacies or Medco By Mail.
    **With the change to Medco, you will receive a new prescription ID card in the mail. Be sure to show the new prescription drug ID card to your pharmacist when getting a prescription filled.**
  • 12. NEW Medical and Prescription Drug ID Cards
    • Starting on July 1, 2009, participants in the CIGNA Network, OAP, and Indemnity Plans, as well as the Definity/UHC CDH Plan will have two separate ID cards for medical and prescription drug benefits.
    • Please show your new prescription drug ID card to your pharmacist to ensure you receive the correct benefits. If you do not receive a new medical and/or prescription drug ID card by July 1, contact the appropriate vendor:
      • CIGNA Medical Plans (Network, OAP, or Indemnity) 800-244-6224 or www.myCIGNA.com
      • Definity/UHC CDH Plan 800-396-5857 or www.myUHC.com
      • Medco Health Solutions, Inc. Prescription Drug Benefits 866-544-6956 or www.medco.com
  • 13. CIGNA Dental Plans * All out-of-network Dental PPO plan changes are subject to reasonable and Customary (R&C) limits ** Download a copy of the DHMO schedule of benefits on the CACI enrollment website at www.caci.essbenefits.com *** Per calendar year (January – December) $1,000 per person per lifetime Plan pays 50% after deductible $2,000 per person per year Plan pays 50% after deductible Plan pays 80% after deductible Plan pays 100% (no deductible) (2 cleanings, 2 exams) $50—Employee $100—Employee plus one or Family Dental PPO Plan* In-Network or Out-of-Network $2,000 per person per lifetime In-Network: Plan pays 70% Out-of-Network: Plan pays 50% $3,000 per person per year In-Network: Plan pays 70% Out-of-Network: Plan pays 50% In-Network: Plan pays 90% Out-of-Network: Plan pays 80% Plan pays 100% (no deductible) (2 cleanings, 2 exams) No Deductible Dental Premium PPO Plan* Up to 24 months of care per person per lifetime Orthodontia Maximum Schedule of copays** Orthodontia No annual maximum Annual Benefit Maximum Schedule of copays** Major Restorative Care (includes crowns and dentures) Schedule of copays** Regular Restorative Care (includes fillings and root canals) No charge (2 cleanings, 2 exams) Preventive Care*** (includes exams and X-rays) No deductible Annual Calendar Year Deductible Dental HMO In-Network Only
  • 14. Dental Plan Enhancements
    • New Dental Implant Coverage
    • For FY10, dental implants will be covered as follows:
      • Dental PPO Plan
        • In-Network: Plan pays 50%, after deductible
      • Dental Premium PPO Plan
        • In-Network: Plan pays 70%, no deductible
        • Out-of-Network: Plan pays 50%, no deductible
      • Dental HMO Plan – Not covered
    • Preventive Dental Care
    • All of our dental plans cover preventive dental exams at 100%
    No ID Card Needed – if you choose the Dental PPO Plan or, the Dental Premium PPO Plan.
  • 15. Vision Service Plan (VSP) * Subject to applicable copays of $10 for an exam and $25 for materials (lenses, frames, and medically necessary contact lenses) ** In addition to eye exam
    • VSP vision care benefits are included in all CIGNA domestic medical options therefore, CIGNA participants should NOT enroll in the VSP Vision plan
        • Enroll in VSP Vision stand-alone plan if:
          • You waive CACI medical, or
          • You enroll in another CACI medical option
    • If contacts are elective: covered up to $105 every calendar year • If contacts are elective: covered in full up to $150; includes a 15% discount on contact lens exam (fitting and evaluation) every calendar year • If contacts are medically necessary: covered up to $210 every calendar year* • If contacts are medically necessary: covered in full every calendar year* Contacts Lens fitting/evaluation exam** and contacts or: Covered up to $45*—once every 24 months Covered up to $150*—once every 24 months Frames Covered up to a limit (depending on lens type)—every 12 months Covered in full*—every 12 months Lenses Glasses and either: Covered up to $43 Covered in full*—every 12 months Eye Exam Out-of-network In-network
  • 16. Flexible Spending Accounts Administered by ADP - Plan Year ending 6/30/10
    • Health Care Reimbursement Account
      • Pre-tax account maximum $5,000 per plan year
      • Minimum $240 for the 7/1/09 to 6/30/10 period
      • “ Use-it or lose-it” basis
      • Debit Cards
    • Examples of reimbursable expenses for eligible employees and their dependents
      • Braces
      • Teeth cleaning
      • Oral surgery
      • O-T-C Medications
      • Doctor co-pays
      • Cost of prescriptions
      • Co-insurance
      • Deductibles
      • Contact lenses
      • Glasses
      • Blood tests
      • X-ray exams
  • 17.
    • Dependent Care Reimbursement Account
      • Pre-tax account maximum $5,000 married filing jointly; $2,500 if filing individually
      • Must enable you and your spouse to work
      • Services must be provided by a licensed provider (casual baby-sitting is not covered)
      • “ Use-it or lose-it” basis
    • Examples of Reimbursable Expenses
      • Licensed nursery school and pre-school
      • Day care centers for qualifying dependents (i.e. elder care center)
      • Nanny during working hours
      • Expenses must be for children under 13 years of age or disable children/parents/spouse.
    Flexible Spending Accounts Administered by ADP, (cont.) Reminder – Employees who wish to continue to participate in the FSA program, MUST re-enroll every plan year.
  • 18. Disability Benefits
    • With Short Term Disability (STD) and Long Term Disability (LTD), you have the option to:
        • pay taxes on premiums (default), or
        • pay taxes on benefits received
    • STD and LTD Benefits are as follows:
    55% of base salary, up to $10,000 60% of base salary, up to $5,000 Benefit Amount After 90 days of disability On the 8 th day after injury or illness Benefits Begin Until you are no longer disabled, reach the maximum benefit or reach Social Security normal retirement age, whichever occurs first. Up to 13 weeks Benefit Duration Long Term Disability Short Term Disability  
  • 19.
    • Life/AD&D Benefits are 100% Paid by CACI
    • CACI Group Term Life (GTL) Benefits
      • This policy pays one times your annual salary to a maximum benefit of $300,000. Basic Group Life is the default coverage. Employees may elect to reduce their basic group term life coverage to $50,000 (if employees earn more than $50,000 per year) in order to avoid income taxes levied on amounts of CACI-paid insurance in excess of $50,000. (If employees reduce their life coverage they will receive a small premium credit.)
    • CACI AD&D Benefits
      • CACI automatically provides AD&D coverage at three times your annual salary up to $500,000, or pays benefits for certain injuries. Loss must be the direct result of an accident. If the loss is the result of war or an act of war, the policy pays six times your annual salary to a maximum benefit of $500,000.
    Life & Accidental Death & Dismemberment (AD&D) Benefits
  • 20.
    • Supplemental Life Insurance: Employees have the option to purchase group rated portable term insurance for themselves and their dependents. The maximum amount of coverage employees may purchase is as follows:
      • The lesser of 5 times employees’ annual salary or $1,000,000 for employee;
      • The lesser of 5 times employees’ annual salary or $250,000 for employees’ spouse;
      • $20,000 each for employees’ dependent children.
    • Coverage available for employee, spouse and children
      • Life Insurance with living benefit option
      • Portable
      • Must complete Evidence of Insurability Form
    Please note: In this plan, you cannot enroll a dependent without employee coverage Voluntary Life
  • 21.
    • Free, confidential counseling to all employees and their dependents provided by CACI
      • Family problems
      • Marital concerns
      • Mental health issues
      • Alcohol/drug abuse
      • Financial counseling
    • Toll-free number (800) 765-0770 or www.apshelplink.com
    Employee Assistance Program (EAP) Administered by APS Healthcare
  • 22. New! Voluntary Critical Illness
    • Critical Illness
    • The new Critical Illness plan provides you and your family with additional financial relief if diagnosed with a critical illness such as:
    • Cancer Renal failure
    • Heart attack Carcinoma in situ (25% benefit)
    • Stroke Coronary artery bypass surgery (25% benefit)
    • Major organ transplant
    • Certain limitations*, exclusions, and waiting periods apply.
    • You may elect coverage for yourself in the amount of $10,000 or $20,000. Coverage is portable after 6 months of coverage.
    • Rates are locked in at time of election and will not increase as you get older.
    • Coverage for your spouse is available in the amounts of $5,000 or $10,000; however, your spouse’s coverage cannot be more than 50% of your coverage. If you elect coverage, your eligible children are automatically covered for 10% of your coverage at no additional cost to you.
    • If you enroll in this plan, you and your covered spouse are eligible for a $50 benefit each year for health screenings, such as mammography, colonoscopy, chest x-rays, stress testing, and certain blood tests. (Dependent children are not eligible for this benefit.)
    • For more information, contact Continental American Insurance Company at www.caicworksite.com or 866-849-2954.
    • * Coverage is only available to employees and spouses under the age of 70 at time of election.
  • 23. New! Free Will Preparation
    • Will Preparation
    • At no cost to you, CACI offers a Will Preparation program through CIGNA, partnering with ARAG. You and your covered spouse have access to www.CIGNAWillCenter.com .
    • The website is free, confidential, and available 24/7. It can help you create and personalize a last will and testament, living will, and health care and financial power of attorney. The site also provides information about estate planning and identity theft.
  • 24. Voluntary Benefits
    • CACI offers a comprehensive list of voluntary benefits that employees may purchase. These include:
    • Identity Theft Protection - Identity theft and fraud are increasingly common problems, but LifeLock’s identity theft protection benefit prevents identity theft before it occurs. LifeLock will protect your credit so that only you have access to it. If your identity is ever stolen, LifeLock backs this up with a promise to replace up to $1 million in stolen funds. You may only enroll in this benefit during Open Enrollment. You’ll receive information about how to activate your coverage after you enroll. Or, you can log onto www.lifelock.com or call 800-543-3562.
    • Commuter Benefits Program - You can set aside tax-free dollars to pay for your transportation and/or parking for work, which could save you up to 40% on those expenses. You may change your participation in this plan at any time. For more information, contact WageWorks at www.wageworks.com or call 877-924-3967.
    • Group Auto and Home Insurance - By purchasing insurance for your home, vehicles, and other assets through the MetLife group program, you can save time and money with competitive group rates and discounts and convenient payroll deductions. You may change your participation in this plan at any time. For more information, contact MetLife at www.metlife.com/mybenefits or call 800-438-6388.
    • Group Long Term Care Insurance - Long term care insurance provides a benefit when you need extended help with activities of daily living, providing you with coverage where medical coverage, Medicare, and Medicaid fall short. For more information or to enroll, contact John Hancock at www.jhancock.com/gltc or call 800-482-0022.
  • 25. Voluntary Benefits, (cont.)
    • ARAG Legal Plan - Provides full or partial payment for certain legal services, such as will preparation, adoption proceedings, sale or purchase of a home, defense of civil damage claims or misdemeanor offenses, and more. Benefits are paid based on whether you seek counsel from attorneys in or out of the ARAG network. You may only enroll in this benefit during Open Enrollment. For more information, contact ARAG at www.araggroup.com or call 800-247-4184.
    • ARAG Senior Advocate Plan - Provides certain legal, tax, financial planning, and independent living services for eligible senior family members through a telephone counselor. You may also receive discounted in-office network legal and tax services. You may only enroll in this benefit during Open Enrollment. For more information, contact ARAG at www.araggroup.com or call 800-247-4184.
    • Pet Assure Discount Pet Services - Pet Assure offers a comprehensive discount pet care program designed to make pet care more affordable for you. Unlike insurance, all pets are covered, regardless of age, medical condition, or any preexisting condition. There are no exclusions, no deductibles, and no waiting for reimbursement. For more information or to search for a participating veterinarian, go to www.petassure.com or call 888-789-PETS.
    • Complementary Care Discount Program - This program offers discounts through a newly expanded network of holistic/alternative therapies and wellness specialists, with discounts ranging from 20% to 35%. Services include acupressure, podiatry, yoga, chiropractic, acupuncture, massage therapy, hearing services, and nutritional counseling. For more information or to search for a participating provider, go to www.c3online.com or call 800-290-0523.
  • 26.
    • Here are just some of the other voluntary/discount programs CACI offers:
      • Pentagon Federal Credit Union toll-free (800) 247-5626 or www.penfed.org
      • Northwest Federal Credit Union toll free (800) 336-3384 or www.nwfcu.org
      • GlobalFit (Discounted Gym Memberships) toll-free ( 800) 294-1500 or www.globalfits.com
    • For a complete listing of voluntary benefits, please
    • refer to the CACInet Benefits @-a Glance page
    Additional Voluntary Benefits
  • 27. 401(k) – CACI $mart Plan
    • CACI matches 50 ¢ of every $1 you contribute, up to 6% of salary
    • CACI matches every pay period instead of quarterly
    • Your account balance grows faster
    • Don’t forget to update your beneficiary information!
  • 28. Leave Programs
    • Sick Leave for Full Time Exempt employees
      • Accrue up to 5 days per year
      • Can be used for personal illness or sick family member (immediate family only)
      • No changes for non-exempt employees
    • Jury Duty
      • Receive up to 5 days of pay during service
      • Pay not reduced for nominal jury duty pay
      • Applies to full- and part-time employees, (exempt and non-exempt)
    • Bereavement Leave
      • Benefit-eligible employees may take up to 3 days of paid leave for a death in his or her immediate family.
      • For purposes of this benefit, the immediate family includes: spouse, child (including step-child), parent (including step-parents and in-laws), sibling (including in-laws), grandparent (including in-laws) and grandchild. the maximum amount of Bereavement Leave in any fiscal year is limited to six ( 6) days.
    • Vacation Donation
      • Donate unused vacation or Paid Time Off to co-worker in need
      • Donations are made in dollar amounts and converted into hours for the recipient at the recipient’s rate of pay
  • 29. Open Enrollment Recap
    • Who Needs To Enroll or Login
      • Making a change to medical or dental coverage
      • Not in a CIGNA medical option and want VSP vision
      • Want to participate in a Flexible Spending Account in FY 2010 – must enroll even if you participate now
      • Want to participate in one of the many voluntary benefits
      • Employees who would like to change/designate beneficiaries for CACI life insurance plans.
  • 30. Open Enrollment Recap (cont.)
    • How to enroll
      • Log onto www.caci.essbenefits.com
      • May 11 th – May 29 th
    • Not making changes – do nothing!
      • Benefits will continue into next year, except for FSA
    • Problems?
    • Call the Benefits Service Center at 800-531-3875, Option 1
  • 31. Questions?