2024-2025 Insurance
Open Enrollment

THERE ARE SEVERAL BIG CHANGES WITH THIS ENROLLMENT SO PLEASE READ THIS PAGE CAREFULLY SO YOU ARE FULLY INFORMED.  

INCLUDED BELOW ARE KEY NOTES OF CHANGES BUT MORE THOROUGH INFORMATION CAN BE FOUND IN EACH SECTION RELATING TO THAT CHANGE.

• FSA AND HSA SERVICE PROVIDER CHANGE

• ALL SUPPLEMENTAL PLANS MOVING FROM HARTFORD & CIGNA TO METLIFE (CURRENT ENROLLMENTS FOR THESE PLANS WILL AUTOMATICALLY ROLL INTO NEW METLIFE PLANS.  NEW RATES ARE THE SAME OR LESS THAN CURRENT RATES).

• TRANSAMERICA LIFE POLICIES ARE BEING DISCONTINUED AS A PAYROLL DEDUCTION. YOU MUST ACTIVELY ENROLL IN NEW COVERAGE WITH METLIFE IF YOU WANT TO KEEP YOUR CURRENT COVERAGES YOU HAD THROUGH TRANSAMERICA.

• NEW YORK LIFE PROVIDER IS BEING DISCONTINUED-YOU MUST ACTIVELY ENROLL IN NEW COVERAGE WITH METLIFE IF YOU WANT TO KEEP YOUR CURRENT COVERAGES YOU HAD THROUGH NEW YORK LIFE.

Benefit **Eligible Staff,

Open enrollment for Chillicothe R-II Schools employee benefits begins April 30th and will end May 6th.  We will use the Benefitsolver online enrollment system to make elections again this year. 

This is an ACTIVE enrollment which means that you are required to log into Benefitsolver and walk through open enrollment in order to make changes to your current benefits. If you do not log into Benefitsolver, your CURRENT BENEFIT LEVELS for medical, dental, vision, disability, critical illness, and accident benefit elections, and the dependents you have covered, will roll over to 2024-25. Flexible spending elections will NOT roll over. You must actively enroll to keep these for the next plan year.

Please see the Plan Summary for a comparison of the main features of the 3 plans.  If you are interested in a new plan, you MUST actively enroll in the new plan or your prior health plan election will remain the same. If you enroll in a HDHP, you MUST elect the HSA benefit in order to receive the board paid HSA contribution.  You will not have to add an employee contribution if you choose not to.

There are several resources located in Benefitsolver that will help you in the enrollment process. As in previous years, the following documents will be available in the Benefitsolver Reference Center once logged in or you can access them here: 

• Plan Comparison of all medical plans offered (Plan 8, Plan 15, and Plan 16) 

• Medical summary of benefits and coverages 

• Prescription summary of benefits and coverages  

• Supplemental Plan benefits and coverages

It may be helpful to have a copy of your current benefits to reference as you move through open enrollment. Please follow the instructions below to access a PDF you can either save or print out from Benefitsolver.

Before you begin open enrollment, log into the Benefitsolver system and navigate to the top right hand corner of your home page. Click the down arrow beside your name. A window will open displaying your account information, transactions and plan benefits. Under the Benefits section, click Benefit Summary. This will open your CURRENT BENEFITS (2023-2024) SUMMARY page. At the top and bottom of the page there is an option to save this document as a PDF. Click PDF and save the document somewhere you will be able to access as you move through open enrollment, i.e., your desktop. Once saved, you can then print the document.

If you have forgotten your login for Benefitsolver, please utilize the Forgot your username or password option at the login screen.

Please use the Benefitsolver Online Enrollment Guide as a guide in navigating open enrollment in Benefitsolver.

**Benefit Eligible is defined as Employees regularly scheduled to work 30+ hours per week or regular route bus drivers.

Employees can view plan documents for all available plans at the link below.  This will include plan documents for all supplemental plans, vision, dental, and health plans.  

Plan Documents - Reference Center 

Health Plan Documents: Benefitsolver will automatically deduct the $576 board paid health insurance portion during your enrollment. However, to calculate the employee portion outside of the enrollment, you would just deduct a total of $576 from each premium line on the plan document to see the premium cost to the employee.  

Employees who elect Plan 16 (HDHP) will have the $131 difference between the premium and the $576 added to a Health Saving account in their name.  The $131 difference can not go towards additional coverage premiums.

The Benefit Advocate Center (BAC) will be available for assisting staff with their enrollments and plan questions.  They CAN NOT advise you on which plan(s) you should choose.  They can also not complete your enrollment for you.  They are there to answer policy questions or help you with the enrollment process.  

To contact a BAC Advocate, please use one of the contact methods below.  

Benefit Advocate Center dedicated toll free number: 1-833-940-3959 or via email at bac.MET@ajg.com

Available:
Monday-Friday
8:00 am - 6:00 pm

BAC Flyer 

MET has made the decision to change service providers for the District HSA and FSA accounts offered through Benefitsolver.  They have assured us the new providers will be a better fit for District needs and provide better servicing for both the employee and employer.  They are working hard to make sure the transition is smooth for employees with current HSA and FSA accounts.  Please see the notes below regarding how this changes affects your current accounts. 

FSA (Flexible spending accounts): New Service Provider is Ameriflex - MET encourages employees to spend as much as they can from their current FSA by June 30th to avoid having to roll over any remaining funds.  You are still able to roll over unused funds up to the allowable amount but there will be a 60-90 delay in claim payouts while the grace period runs out on the current plans and then those funds are transferred to new plans.  

HSA (Health Savings Account): New Service Provider is HSA Central - We are still waiting for verified information on the employee options for funds remaining in employee HSA accounts. We anticipate having an option that allows the employee to initiate a funds transfer from their Health Equity HSA to HSA Central but MET is still ironing out these details. I will update this page as I receive confirmed information.  

UPDATE: HSA PLAN ADMINISTRATOR CHANGE GUIDE

The HSA Central link has FAQ's and several information videos and links that will be very helpful as you learn more about the HSA associated with a High Deductible Health Plan.  

HSA Accounts for eligible employees will be set up from information obtained from the Benefitsolver enrollment process.  Employees will be contacted for any additional steps needed to complete their HSA account setup.

HSA Central Resource Center 

Are you over insured? Have you met your deductible?

Over 80% of MET members don’t meet their deductible each year and this is an indication that one is over insured. Have you ever considered enrolling in a High Deductible Health Plan (HDHP) combined with a Health Savings Account (HSA)? Many people refer to a HDHP as an HSA plan. If you are one of those 80% that don’t meet your deductible a HDHP might be right for you. You can save money on your monthly premiums and set aside money in a tax-free HSA. 

So how does it all work? If you enroll in an HDHP, you pay a lower monthly premium but have a higher deductible (meaning you pay more for your health care items and services before the insurance plan pays). HDHPs fully cover routine preventive care, which means the individuals aren’t responsible for copays or coinsurance. HDHP coverage has a maximum out-of-pocket limit which means that when you reach that limit, your plan pays for 100% of your in-network care. You can use pre-tax accumulated funds in your HSA to cover expenses toward deductible and other qualified medical expenses. 

Your HSA balance also rolls over year to year, so you can build up reserves to pay for health care items and services that you will need at a later time. Regular contribution to your HSA is made by the insured individual and/or their employer. These funds are not subject to federal income taxes at the time of deposit or withdraw, provided they are utilized for qualified medical expenses. Unlike a Flexible Spending Account (FSA), contributions made to an HSA do not have to be spent or withdrawn during the tax year they were deposited. Any unused contributions can be rolled over – indefinitely. You can determine if you have met your deductible by using the Sydney App or logging into Anthem.com.

MET HDHP/HSA Informational Video 

Per IRS rules, employees are not able to have both a Health Savings Account (HSA) and a full purpose Flexible Spending Account (FSA) at the same time. Employees who have eligible roll over funds from a current fiscal year FSA (July 2023-June 2024), that elect the HDHP with HSA for the next fiscal year, will be automatically enrolled in a limited purpose FSA in order to use their roll over funds for the next fiscal year.  Please note that special rules apply to what limited purpose FSA funds can be used for. 

The District will stop offering life policies through TransAmerica with this next open enrollment.  Employees currently enrolled in a policy may keep this if you set up direct payments with TransAmerica. It will not be offered as a payroll deduction as of July 2024.  

Employees currently enrolled with Transamerica policies may choose to either continue on a direct billing basis with Transamerica or surrender your policy.  Forms for completing these tasks can be found at the link below.  

Transamerica Forms (direct bill or policy surrender) 

The District will be moving the Board Paid life insurance policies over to MetLife as of July 1, 2024.  This change is driven by lower rates for both the District and the employee, and a more seamless enrollment process for employees with all benefits within the same enrollment site.  The board paid life benefits will be automatically added to the employees benefits once eligible so no action is needed on the employee side for this benefit.  

However, any additional voluntary life benefits the employee chooses to sign up for must be actively elected during your open enrollment window.  CURRENT VOLUNTARY LIFE ENROLLMENTS THROUGH NEW YORK LIFE WILL NOT AUTOMATICALLY ROLL OVER TO METLIFE. YOU MUST ACTIVELY ENROLL OR YOUR COVERAGE WILL END 6/30/24.  

All Vision Care Direct (VCD) enrollments or cancellations must go directly through Angela Nagel. Changes to these plans can NOT be made via the BenefitSolver website.

To enroll or make changes to your VCD plans, you must complete the VCD Enrollment/Change Form provided below and return to Angela Nagel during this open enrollment window.  Employees are allowed to pick up a vision plan through MET and VCD at the same time.

Plan information can also be viewed below.  If you have any questions regarding VCD plans, please contact our Representative below.

LACEE KIRCHNER

ACCOUNT MANAGER

Office: (800) 399-9644

Mobile: (316) 633-2261

Fax: (844) 810-8643

Vision Care Direct Forms 

No new enrollments can be made with FTJ Vision or Dental Plans.  All plans, with the exception of Dental Low, cancelled 12/31/21.  To cancel a dental low plan, please contact Angela Nagel during the enrollment period. 

Please use this FTJ page link to view your current FTJ Low Dental plan benefit sheet.   

Routine delivery and nursery charges for a newborn child of a covered employee, regardless of whether or not the Employee has family coverage, is automatically covered for forty-eight (48) hours for natural birth and ninety-six (96) hours for Caesarean section under the mother’s plan. There is no separate Deductible for the newborn for these routine delivery and nursery charges. If the Child is not enrolled within thirty-one (31) days of birth, there will be no further payment from the Plan and the parents will be responsible for all other costs.