A National Asset for National MissionsPresentation Transcript
Your Plans and What You Need To Know For Open Enrollment – Non-SCA Employees CACI FY 2010 Benefits
About Open Enrollment
Changes Effective July 1, 2009
Benefits Plan Overview
Actions You Need To Take
Started May 11 th 8:00 am ET
Ends May 29 th midnight ET
System available 24/7 during Open Enrollment
Enrollment packages have been mailed
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
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 Premium PPO
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
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
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)
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
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
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.
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
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.**
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
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
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.
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
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
Examples of reimbursable expenses for eligible employees and their dependents
Cost of prescriptions
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.
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
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
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
Must complete Evidence of Insurability Form
Please note: In this plan, you cannot enroll a dependent without employee coverage Voluntary Life
Free, confidential counseling to all employees and their dependents provided by CACI
Mental health issues
Toll-free number (800) 765-0770 or www.apshelplink.com
Employee Assistance Program (EAP) Administered by APS Healthcare
New! Voluntary 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.
New! Free 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.
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.
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.
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
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!
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
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)
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.
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
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.
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
Call the Benefits Service Center at 800-531-3875, Option 1