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September 2005

Open Enrollment Dates

This year's Open Enrollment period begins October 3rd and runs through October 28th.

During this time, you will be able to enroll in, change, or cancel your health insurance, life insurance, Flexible Spending Accounts and state sponsored supplemental insurance benefits such as dental and vision.

Remember, the choices you make during Open Enrollment will take effect January 1, 2006 and remain in effect through December 31, 2006, unless you experience a 'qualifying status change' event.

You should consider your needs and available benefit options carefully in order to make the best possible choices for the 2006 Plan Year.

Benefits Statements

Employee Benefit Statements will be mailed to employee home addresses beginning September 22, 2005.

Remember, your benefits statement will only detail the State sponsored benefits in which you are currently enrolled. It will not include information on University sponsored benefits such as Long Term Disability.

How to Make
Open Enrollment Changes

The PeopleFirst Service Center will be available to respond to inquiries regarding Open Enrollment on September 26, 2005. The Service Center staff will be able to provide information and assistance in preparation for Open Enrollment at that time. They will not be available to accept Open Enrollment elections or changes until October 3, 2005.

Beginning October 3, 2005, employees will have four ways to enroll in, change, or cancel their benefit elections for Plan Year 2006:

Paper Enrollment Forms - Enrollment forms can be found on the People First web site or can be requested from a Service Center Specialist or from Human Resources.

All completed forms should be submitted to FGCU's Human Resources Department.

Online enrollment - the People First online system at will be available 24 hours a day, 7 days a week. We recommend printing a copy of the confirmation page for your records.

PeopleFirst Service Center Enrollment - Service Center Specialists can be reached at 1-866-ONEHRFL Monday through Friday 8:30 AM - 5:30 PM, Eastern Time.

Interactive Voice Response (IVR) Enrollment the PeopleFirst Service Center will also incorporate an IVR system that will allow employees to make benefits changes by telephone. The toll-free number is 1-866-ONEHRFL (1-866-663-4735) and is available 24 hours a day, 7 days a week

Benefit Confirmation Statements

As in years past, Benefit Confirmation Statements will be mailed to all who made election changes.

Individuals will have until 5:30 PM, Eastern Time, Thursday, November 10, 2005 to make corrections to those Confirmation Statements.



Important Changes are Coming!

HR is pleased to provide you with a preview of the benefit changes that will be occurring in Plan Year 2006. Watch for newsletters from the PeopleFirst Service Center sent to your home that will provide more detailed explanation about these benefit changes.


In 2006, in addition to the current State PPO plan, employees will have the ability to enroll in an HMO option for the first time in over 5 years.

Employees who live or work in Lee, Charlotte, or Collier counties will have AvMed and United Healthcare as HMO choices in 2006.


In addition to the HMOs, and the existing PPO and TRICARE Supplement, the State will be introducing a new health care coverage option consisting of two components offering a different approach to healthcare.

The components are:
Health Savings Account (HSA)
Health Investor 'High Deductible Health Plans' (PPO and HMO)

A 'high deductible health plan' is an insurance plan that does not cover medical expenses (except for preventative care) until you have met your annual deductible ($1,250 for Individual coverage and $2,500 for Family coverage).

The Health Investor PPO and Health Investor HMO offerings will have reduced premiums compared to the "current" PPO and HMO offerings.

Biweekly Premiums
Full Time Employee
University Contribution

A Health Savings Account (HSA) is used in conjunction with a high deductible health plan. Therfore, only those employees electing to participate in either the Health Investor PPO High Deductible Health Plan or the Health Investor HMO High Deductible Health Plan may participate in the Health Savings Account.

An HSA is a special account owned by the employee where contributions to the account are to pay for current and future out of pocket medical expenses. There will be employer-funded contributions and employees also have the opportunity to make contributions to the account on a pre-tax basis; however, the total contributions are limited annually to the high deductible health plan deductible ($1,250 for Individual coverage and $2,500 for Family coverage).

FGCU will make a monthly contribution to an employee's HSA equal to $41.66 for Individual coverage and $83.33 for Family coverage. The HSA is portable. That means that you would keep the HSA (the funds that have been accumulated) even if you change jobs, become unemployed, move to another state, or change your medical plan (from the high deductible to another available option as allowed).

AvMed and United Healthcare will be offering the Health Investor HMO High Deductible Health Plan for employees living or working in Lee, Charlotte, or Collier counties.

Additional information regard the plan design for the Health Investor PPO and Health Investor HMO plans will be forthcoming.


How to Learn More

The Division of State Group Insurance will be offering presentations on the Health Investor Plans/Health Savings Accounts at the following locations.

Thursday, Oct. 13
Gulf Coast Center
5820 Buckingham Road

Friday, Oct. 14
Ft. Myers Regional Service Center
2295 Victoria Ave (Downtown)

Presentations will be one hour long and will begin on the hour between 9:00 and 3:00 pm. We encourage you to attend one of these sessions to become more familiar with the new health care options.


In addition to the existing Flexible Spending Account (FSA) Medical Reimbursement Account and Dependent Care Reimbursement Account, a Limited Purpose Medical Reimbursement Account is being added in 2006.

IRS regulations stipulate that individuals enrolled in a Health Savings Account (HSA) cannot also be enrolled in the current Medical Reimbursement Account (FSA).

Health Savings Account participants, however, may enroll in a Limited Purpose Medical Reimbursement Account with allowable expenses of (a) dental, (b) vision and (c) preventative care services.

The annual minimums and maximums for both the Limited Purpose Medical Reimbursement Account and the existing Medical Reimbursement Account for 2006 will be $60 and $5,000, respectively.

The Dependent Care Reimbursement Account is unchanged for 2006.

Employee Rates for 2006

Standard Health Plans (PPO or HMO)

Biweekly Premiums
Full Time Employee
University Contribution

NOTE: Part time employees pay a prorated portion of the University contribution based on their established FTE.

Supplemental Insurance
Enrollment Reminders

Enrollment for some products, such as AFLAC and Colonial cancer policies, requires completion of both a State enrollment form and the carrier's enrollment form. Unless both are completed and submitted, there is no valid enrollment.

For products requiring 'medical underwriting', such as AFLAC and Colonial cancer policies, coverage does not become effective until the company approves your enrollment, notifies the State and a full month's premium has been withheld from your paycheck.