OPEN ENROLLMENT 2024: Medical, Rx, FSA, Dental, and Vision Insurance
Why Open Enrollment is Important: Open enrollment is an eligible employee's annual opportunity to join a District insurance plan, change a plan, leave a plan, or add or remove eligible dependents. Don't miss this small window to make a change! Such changes are prohibited during the rest of the year unless there is a qualifying life event. It is the Employee’s responsibility to notify Human Resources of any “life event/status change” such as marriage, divorce, birth/adoption of child(ren), death of a family member who is covered by district insurance, etc. There is a 30 day window from the date of a “life event” to make changes to your coverage. Changes not made within the 30-day window have to wait until the next open enrollment.
Memos containing open enrollment information are attached below. Please read those documents in their entirety.
There are no changes to the benefit plans from the past few years.
Individual rate sheets showing your contribution share to the premium(s) will be provided by email. Your contribution share is based on your employee group's collective bargaining agreement or policy. If you cannot locate the rate sheet or have any questions, please contact Jenien DeSilvis at [email protected].
Medical and Rx Plan Summaries
Medical and Prescription plans are tied together as listed below.
Medical Rx
BMCS Point of Service (POS) 10/15/30
BMCS Open Choice 1 5/20/35
BMCS Open Choice 2 5/35/50
BMCS Open Choice 3 5/35/50
Please review the Medical Plan Summary Comparison Chart for a side by side comparison of the plans including most frequently used services. More specific information is included in the plan summaries. Summaries for Medical and Rx plans are attached below.
Flex Spending Account
Open enrollment is an eligible employee's annual opportunity to join the District's Health Care Flexible Spending Account and/or Dependent Care Flexible Spending Account plans through Optum. To enroll, or continue with your current FSA enrollment contribution(s), you must enroll during the open enrollment period every school year. Don't miss this small window to enroll or re-enroll! The maximum yearly pre-tax contribution for the Health Care FSA is $3,200 and/or $5,000 for Dependent Care FSA, for the 2024-2025 school year. Eligible expenses for Health Care FSA is attached below as per IRS Publication 502.
Dental Benefits
Dental benefits have not changed in any group, however, there has been an increase in premium costs which will be reflected in the dental rates. This rate change will affect employees that pay the monthly premium for dental benefits (Cafeteria and ESPAmembers) and for those that COBRA the dental benefits.
Contact Jenien DeSilvis at [email protected] if you need benefit summaries for your group or visit the dental benefits tab on this website.
Vision Benefits: No changes. Vision insurance is automatic for all medical insurance enrollees. Plan Description Document is below.
Annual Notices: Please see documents attached below for important annual notices. Annual notices are also located year-round on the Human Resources Department webpage under "Annual Notices to Staff." Please see that tab for other important annual notices.