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Open Enrollment Dates

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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.

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.

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 https://peoplefirst.myflorida.com 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

NEW HMO CHOICES

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.

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NEW HEALTH PLAN OPTION

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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.

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.