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HEALTH INSURANCE BENEFITS

  Review this section for a summary for Health Insurance benefits and your opportunities for coverage:





Shirley Mathis
Employee Services Manager

Government Center
100 10th Street
1st Floor West Wing
Columbus, Georgia 31901



706.653.4059
Fax: 706.653.4066
smathis@columbusga.org


Related Links



Deferrred Compensation link
long term disability link
Insurance benefits link
Vacation Leave link
Sick Leave
Paid Holidays link

General Government Pension Plan link
Credit Union link
Direct Deposit link
Employee Assistance Program link
Voluntary Benefit Contact Information


ELIGIBILITY  STATUS

The CCG offers a variety of insurance opportunities to it's employee and their dependents. All regular full-time employees become eligible for coverage after they have been employed for 30 days. Open enrollment is conducted on an annual basis and allows employees to make changes to their insurance plans at that time.

Insurance premiums for various coverage are deducted from our employee's bi-weekly pay, i.e., health insurance premiums are deducted 26 times per year.

NOTE:S You must add newly born children, adopted children, children of a new marriage or children awarded by the courts within 30 days of the actual birth date, adoption date, or court date. You must add new spouses within 30 days of the date of marriage. Documentation must accompany the forms, i.e., birth certificate, adoption papers, court documents, marriage or divorce certificates, etc. Failure to comply within the 30-day time period will require the employee to wait until open-enrollment in November and December.

   
MEDICAL INSURANCE  
Health Care Plans (HMO-POS)
The health care benefitplan offered to employees is a comprehensive major medical program utilizing Health maintenance Organization (HMO) and Preferred Provider Organization (POS) Point of Service with Blue Cross Blue Shield of GA. Both plans are designed to minimize out-of-pocket expenses for employees and their covered dependents. Participation in the health care plans is voluntary. Premiums vary depending on the type of plan you select and are payroll deducted on a bi-weekly basis.

Both plans give you a network of providers to use at a lower cost than would otherwise be available to you. Because BC/BS of GA's HMO plan requires all participants to select a Primary Care Physician (PCP) to coordinate all of their health care a list of current HMO PCPs and POS providers may be viewed on the web at: Georgia -- Home Page / Main Menu www.bcbsgeorgia.com please see Provider Directory for either plan.

NOTE: You must add newly born children, adopted children, children of a new marriage or children awarded by the courts within 30 days of the actual birth date, adoption date, marriage date, or court date. You must add new spouses within 30 days of the date of marriage. Documentation must accompany the forms, i.e., birth certificate, adoption papers, court documents, marriage or divorce certificates, etc. Failure to comply within the 30-day time period will require the employee to wait until open enrollment in October and November.
 
     
  Prescription Drugs  
  Under both of your medical options, HMO and POS, generic drugs cost less - $20 for a 30-day supply at a participating pharmacy.  If a brand-name drug is listed on the plan formulary, your co-payment will be only $30 (compared to $50 for a non-formulary brand).   For any medicines you take on a regular basis (such as blood pressure pills), Mail-Order Pharmacy is available.  It is convenient and economical.
 
     
  Dental  
 

Employees may choose from two dental plans offered by Assurant Dental.  The plans are (1) Freedom Preferred (choose any dentist) and (2) The Plus Plan (choose from a small list of dentists).

New Dental Options (Effective January 1, 2010) BlueCross/BlueShield (BC/BS) dental program offers two levels of coverage. Each plan works to provide coverage for both participating and non-participating providers; you have access to nearly 90 general dentists and seven specialists in this area. Your choices of plans are “low” and “high” plans:

BC/BS “Low” Plan The Low plan provides basic protection at a reasonable cost. Coverage for participating providers is shown below. Charges outside the network are reimbursed at a specific amount, based on a fee schedule.

  • Preventive Services: 100% - with no deductible
  • Basic Restorative Services: 70% - after deductible
  • Major Services: 40% - after deductible
  • Maximum annual benefit per covered participant: $1,000
Only Basic Restorative and Major Services are subject to a deductible ($50 per participant, or up to three in a family, before benefits are paid). Preventive Services are covered without your needing to meet a deductible.

If you currently have dental coverage, and change to the BlueCross/BlueShield Low plan, you will be immediately eligible for all dental services. If you are a new participant in a City-sponsored plan, or a new hire, you will be immediately eligible for Preventive and Basis Restorative Services only. You become eligible for oral surgery coverage after six months in the plan, and for all other Major Services after one year.

BC/BS “High” Plan The High plan offers much broader benefits---including orthodontia. Coverage is at the following levels, based on negotiated rates with participating providers, and based on the 90th percentile of charges for non-participating providers.
  • Preventive Services: 100% - with no deductible
  • Basic Restorative Services: 80% - after deductibles
  • Major Services: 50% - after deductible
  • Orthodontic Services: 50% - after deductible
  • Maximum non-orthodontic annual benefit per covered participant: $1,500 (for Orthodontic Services, this amount is a lifetime maximum)
Only Basic, Major, and Orthodontic Services are subject to a deductible ($50 per participant, up to three in a family). Preventive Services are covered without your needing to meet a deductible.

If you currently have dental coverage, and change to the BlueCross/BlueShield High plan, you will be immediately eligible for all dental services. If you are a new participant in a City-sponsored plan, or a new hire, you will be immediately eligible for Preventive and Basic Restorative Services only. You become eligible for oral surgery coverage after six months in the plan, all other Major Services after one year, and Orthodontic Services after 18 months.

  VISION  INSURANCE  
  The City sponsors the Blue View Vision Plan (by BC/BS) and gives you coverage you need at affordable group rates.  You have access to a broad network of optometrists, ophthalmologists, and optical providers, including such well-known entities as LensCrafters, Sears, Target, JCPenney, and Pearle Vision.  (There is also a lower level of coverage for out-of-network care).  
 
Eye Exams 100% coverage after a $10 copayment (covers one exam per calendar year)
Eyeglass Lens(Single, Bifocal & Trifocal) 100% after $10 copayment(includes factory scratch coating)
Eyeglass Frames Up to $130 retail allowance
Contact Lenses - Elective & Non-elective Up to $130 retail allowance 100% coverage


 
  FLEXIBLE  BENEFITS  
  The Federal Government's division of the IRS has established Flexible Benefit programs that the CCG adopted several years ago. There are three separate areas that are associated with our Flex Plans: 1) Premium Re-Direction Program allows employees who are having deductions taken from their payroll for insurance placed into a pre-tax status. Simply this means that you are not required to pay taxes on health, dental and certain supplemental policies; 2) Medical Spending Account (MSA) assists employees in paying for their annual out-of-pocket expenses. If an employee participates in this program they can enroll and request a certain amount be deducted on a bi-weekly basis, pre-tax, and simply reclaim the money as expenses incur; 3) Dependent Day Care Reimbursement Account (DDC) allows employees the same opportunity. For those who have children and/or elderly parents in a day care situation you may project your annual costs, request the pre-taxed money be deducted on a bi-weekly basis, and reclaim it as expenses incur or as the year progresses.

A maximum of $5,000 annually; $2,500 for married filing separate tax returns is all that is allowed. It is always important that you understand that any flexible benefit money redirected from your pay for reimbursement accounts must be spent between January 1 of the current benefit year and March 15 of the following year. Any amount not spent will be forfeited.

 
  LIFE  INSURANCE  PLANS  
Columbus Consolidated Government The City automatically provides you with life insurance of 1-1/2 times your annual base pay (rounded up to the nearest $1,000; $250,000 maximum benefit), plus an equal amount of accidental death and dismemberment protection.

In addition to the basic levels of life and AD&D insurance, the City also sponsors supplemental coverage for you and your family members. This voluntary benefit is underwritten by Hartford.

For You
  • Supplemental insurance in $10,000 increments
  • Coverage guaranteed up to three times your base salary (to a total benefit of $200,000), without need of medical exam
  • Availability of even higher levels of coverage
  • Competitive premiums based on five-year age bands
For Your Spouse and Child(ren)
  • Dependent life insurance of $2,000
  • Coverage can be increased by $2,000 each year, guaranteed, up to total of $10,000
  • Increases of more than $2,000 in a year (up to $10,000 in total coverage per dependent) available with evidence of insurability
  • Flat monthly charge of $0.72 per $2,000 of coverage

Disability
Group Life Insurance Continuation – Disability waiver of Premium

The employee Group Life Insurance with Columbus Consolidated Government can be continued for disabled employees; however, certain rules and procedures must be followed.
- click here for more information

Supplemental Life
Employees have the ability to purchase up to three times their annual salary from Provident Life Insurance Company. Aflac offers a variety of products, including cancer coverage, disability coverage, etc. Colonial Life also offers a variety of products. These programs are paid for by the employee through payroll deductions on bi-weekly payrolls. - click here for more information

 
     
  EMPLOYEE ASSISTANCE PROGRAM  
 

Everyone has different areas of difficulties in their life.  With licensed and certified counselors, the employee assistance program gives you easy access to professional help with issues that impact your personal, family and work life.

Take advantage of your benefit for any number of issues, including but not limited to:
  • Relationships
  • Child and elder-care
  • Stress, anxiety and depression
  • Alcohol, drug abuse and other addictions
  • Domestic violence and anger
  • Divorce, remarriage and step-parenting
  • Grief
  • Work Issues

 
 

The Pastoral Institute, 2022 Fifteenth Avenue, Columbus, GA  31901, 706-649-6500, provides the employee assistance program to employees.  It is available to all Columbus Consolidated Government regular full and part-time employees.  This is a confidential benefit, and you do not need to inform your supervisor or Human Resources to take advantage of it.  To make an appointment or to talk to someone, simply call (706) 649-6500, and let the Pastoral Institute representative know that you are an employee of the Columbus Consolidated Government.



 
     
 
An Equal Opportunity Employer  and complies with the  Civil Rights Act of 1964
E-Verify ID#46433 - July 19, 2007