• Blue Cross Blue Shield of Florida “Care Profile” – Frequently Asked Questions
  
  
• Information Regarding Dependent Benefits Coverage and HIPAA Privacy Rights (10/23/2006)
  
  
• Memo regarding Prescription Drug Coverage and Medicare Part D
  
  
• Notice about Prescription Drug Coverage and Medicare (7/20/2006)
  
  
• 2008 Medicare D Notice
  
  

The County has two plans; an HMO and a PPO plan. The BlueCare (HMO - Open Access) and BlueChoice (PPO) plans provided through BlueCross and BlueShield of Florida (BCBS). The HMO and PPO networks include both Lake County hospitals as well as providers state-wide.

Through BCBS, members may have access to coverage outside of the state of Florida. The BlueCare (HMO - Through BCBS, members may have access to coverage outside of the state of Florida. The BlueCare (HMO - Open Access) plan offers guesting privileges in other BCBS networks around the country, and the BlueChoice (PPO) plan offers the BlueCard program which allows access to doctors and hospitals around the world.

The medical coverage includes a 24-hour live nurse line, health management and wellness programs, and Blue Compliments. Blue Compliments provides members with a wide range of discounted services for vision care, alternative medicine, hearing care, weight management and fitness memberships. Please review the BCBS documents and website for more information. There are two types of medical plans to choose from.

• BlueCare (HMO)
  
  • Summary of BlueCare HMO Benefits
    
    
• BlueChoice (PPO)
  
  • Summary of BlueChoice PPO Physician Copayment Benefits
  • BlueChoice PPO Schedule of Benefits
  
  
• Useful BlueCross BlueShield Links
  • Access providers within Florida
  • Access providers outside of Florida
  • Health & Wellness Information
    
  
  
• Mental Health & Substance Abuse Benefit
  Effective 10/01/08, employees/members on the County’s medical plan are eligible for Mental Health and Substance Abuse services through BCBS. The plan in which the employee/member is on will determine the manner in which they contact a provider, as well as what their payment structure. Please review the documents for payment structure and how to coordinate services through MHNet if you have the HMO medical plan.
  • Mental Health/Substance Abuse Benefit Information
  • MHNet Information
  
  
• Prescription Drug Formulary - For the most up-to-date information please visit www.bcbsfl.com

A BlueCross and BlueShield of Florida representative is available on-site to meet with employees regarding their medical coverage, at the Office of Employee Services & Quality Improvement typically from 9 a.m. to 4 p.m., every other Thursday. .

Employees can make an appointment by contacting Erin Showe at (352) 343-9406 or by e-mail. Employees are also welcomed on a walk-in basis.

If an employee has an urgent matter that cannot wait until one of these visits, they are advised to contact Blue Cross and Blue Shield's customer services lines directly.  

BlueCare (HMO) - (877) 352-2583
BlueChoice (PPO) - (800) 322-2808
Flexible Spending Program (FSA) - (800) 753-4681

• Plan Summary
• Dependent Care Reimbursement Form
• Health Care Reimbursement Form
• Frequently Asked Questions
• Examples of Qualified Medical Expenses
• Annual Expense Worksheet

There are three types of dental plans offered through CompBenefits:

• Dental Health Maintenance Organization (DHMO) includes predetermined fees paid directly to dentist for services; does not have a deductible or a claim form to file, but does have a limited network of dentists.

• Preferred Provider Organization (PPO) allows employee to use any dentist; in or out of network. The employee pays a percentage of the Reasonable & Customary Charge, and there is an annual cap on benefits paid by the plan.

• Advantage Plan is an open access plan, which provides a variety of benefits through participating providers (a network similar to that of the PPO). At the time of service, the member pays the dentist for any applicable co-payments according to the schedule of benefits.
  • Additional information on new Advantage Plan

Search for dental providers at CompBenefits.com

Under the VSP Vision Plan, offered through Ameritas, members have the option of obtaining services from a network of providers who accept the fees as full payment for services under prearranged guidelines. Additionally, members have access to vision-related discounts.

• VSP Vision Plan Website
• Vision Plan Summary
• Vision Plan Document
• VSP Directory for Lake County
• VSP Directory for all of Florida
• Search the online directory (most current) by logging on to the VSP Web site and clicking:
  1. Members and Consumers
  2. Find a VSP Network Doctor
  3. "Are you a member" - select "No"
  4. Continue without signing on

Lake County BCC Employees who are eligible for benefits now have the opportunity to enroll in a cancer plan. This is an optional benefit the employee pays for each month. Under the cancer plan which is offered by AIG and administered through BayBridge Administrators, LLC members have additional coverage to help if cancer strikes. The plan also covers 32 other diseases such as, Malaria and Muscular Dystrophy. The following are some benefits of the cancer plan:

• In and out of hospital benefits
• Wellness and donor benefits
• Portable (take it with you if you leave County employment)
• Pays regardless of other coverage

Please review the brochure for more information. If you currently participate in this benefit, call 1-800-845-7519 for additional information.

Cancer Plan Brochure

The Employee Assistance Program (EAP) provides employees and their family members up to 6 free visits a year along with a variety of counseling and informational services.  The EAP is available for problems not normally covered under the mental health provisions in your Group Health Plan, such as stress, weight loss, financial issues, family problems, etc. It can also be used for information and referral if you need help determining how to tackle a personal or workplace problem. A supervisor may also refer an employee to the EAP if it appears personal issues are interfering with work performance. Basically, the EAP is a tool for you to use to regain equilibrium during a stressful period.

LifeHub is an Internet service that can provide information on life-management issues and challenges including stress, leadership, performance, career skills, health and fitness, childcare, eldercare, parenting, personal finance or relationships. Use LifeHub to:

• Design a personal wellness program, including smoking cessation, starting an exercise program or learning to eat better;
• Participate in leadership or stress-management training;
• Look up resources for behavioral health, eldercare or childcare;
• Read an article on topics ranging from finding a healthier hot dog to getting out of credit-card debt; and
• Request information on specific questions such as emotional health issues, attention deficit disorder, stress management, exercise, nutrition and more.

The LifeHub Web site and all of the tools and training in it is totally confidential. Personal privacy is assured.

To register:

1. Log on to www.unipsych.com
2. Click on heading on top of page, titled LifeHub
3. On the right side of the page, enter key code "lakecounty"
4. Read terms of agreement, and click on “I Agree”
5. Proceed with registration
6. After logging in, start with “Getting the Most from LifeHub” to familiarize yourself with all of the resources available on LifeHub.

For more information about the EAP or to schedule a consultation or appointment, call (800) 272-3626. Corporate office hours are 8:30 a.m. to 5 p.m., Monday through Friday. The office is also available after hours and weekends for emergency calls.

Please remember that the EAP is not a substitute for medical diagnosis and treatment. Always consult physician regarding your health concerns.

Overview of the legal and financial services that are covered by the Employee Assistance Program and benefits summary.