Open Enrollment

Basics

Eligibility

You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Eligible family members include:

  • Your legally married spouse.

  • Your registered domestic partner (RDP) and/or his/her children, where applicable by state law.

  • Your children who are your biological children, stepchildren, adopted children or children for whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may continue on your health coverage.

Annual Election

Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have a qualified life event during the year. Following are examples of the most common qualified life events:

  • Marriage or divorce

  • Birth or adoption of a child

  • Child reaching the maximum age limit

  • Death of a spouse, RDP, or childYou lose coverage under your

  • spouse’s/RDP’s plan

  • You gain access to state coverage under Medicaid or CHIP

Effective Date

Changes made during Open Enrollment are effective July 1 , 2021 - June 30, 2022.

Riverside Preparatory Schools Open Enrollment forms will be accepted 05/27/21-06/04/21

Mojave River Academy Open Enrollment Forms will be accepted 05/27/21 - 06/11/21

To Do

Please submit one benefit selection form and any necessary enrollment forms to Nicole Griego either by email or hard copy to the District Office.

ngriego@orogrande.org

Medical Plans

Available to all employees working 30 or more hours per week.

Kaiser Plans

With Kaiser HMO plans, you must use Kaiser facilities and providers for your medical and pharmacy neds. Services received outside of the Kaiser Network are not generally covered, except when directed or in the case of emergency medical care.

Aetna Plans

HMO plans require that your care be coordinated with a Primary Care Physician (PCP) from the Traditional or Select Network. Service rendered outside of the Network are not covered, except in the case of emergency medical care. PPO plan offers you the freedom to seek care from the provider of your choice.

Opt Out of Medical

Available to all employees working full-time/40 hours per week.

403-B Retirement Savings Account

Accounts must be established with an authorized vendor (full list can be found at https://www.403bcompare.com/Vendors/Browse )

Flexible Spending Account-Health Care or Dependent Care

Established by meeting with District American Fidelity representative by appointment

Health Savings Account

Established by meeting with District American Fidelity representative by appointment

Cash Option

All amounts paid in cash are subject to state and federal income taxes and will be reported as earnings in your W-2, but will not be counted as STRS credit.

Dental Plan

Available to all employees working full-time/40 hours per week regardless of if you opt in for medical or not.


Delta Summary.pdf
Delta.pdf

Delta Dental PPO

Offers you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a dentist who participates in the network.

In Network Only

  • Deductable (per calendar yr)-None

  • Benefit Maximum-$2,000

  • Preventive and Basic Services provided at no charge

  • Major Services-80%

  • Child Orthodnotia-$1,000 Max Lifetime

Out-of-Network and all specific details can be found within the Benefit Summary PDF to the left.

Delta Dental Value Added Features.pdf

Vision Plan

Available to all employees working full-time/40 hours per week regardless of if you opt in for medical or not.

BLUE VIEW VISION BV 8B.pdf

Anthem Blue View Vision PPO

Freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your Out-of-Pocket costs if you choose a provider who participates in the Blue View Vision Network.

In Network Only

  • Routine Exam-$15 Copay

  • Materials-$15 Copay

  • Eyeglass Lenses (in lieu of Contacts, every 12mos) No charge after material copay

  • Eyeglass Frames (one every 24mos)-$130 Allowance & 20% off remaining balance

  • Contact Lenses (once every 12mos in lieu of glasses)-$130 Allowance & 15% off remaining balance/if elective, covered in full/if medically necessary

Out-of-Network and all specific details can be found within the Benefit Summary PDF to the left.

District Paid Life Insurance

Available to all employees working full-time/40 hours per week regardless of if you opt in for medical or not.

Basic Group Term Life & AD&D

Life Insurance- provides your named Beneficiary(ies) with a benefit in the event of your death

Accidental Death & Dismemberment- provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment. In the event that your death occurs due to a covered accident, both the Life and the AD&D benefit would be payable.

Benefit Amount-Flat $50,000

Full plan details can be found within the Benefit Summary PDF to the right.

BASIC LIFE AND ADD OroGrandeSD Basic Life ADD summ 5 18 11.pdf

Other Information

11 Month Employees Only-July Payback Line

Last school year a line was added within the deductions area for payroll to help identify the employee contribution being made for the month of July (July 31/Aug 1 payday). As seen in the reference photo, there are no employee deductions for the month of July, due to the fact 11 month employees do not receive a regular paycheck for that month.

In order to keep benefits active year-round, the District pre-pays benefits for July based on the selections made during open enrollment.

If the employee exceeds the employer contribution on a monthly basis ($1000 Cap), the amount is then paid as an employee deduction. In the example to the left, that amount is listed in the August month at $513.36. This additional amount still needs to be paid for the July month. With that being said, it is divided by 11, then entered into the employee deduction for the 'July Payback' line.

* Benefit Cost Calculator 21-22 .xlsx

BENEFITS CALCULATOR

Please open and copy the attached document so that you can calculate your benefit cost for the 21/22 School Year.

Optional Benefits

If you are interested in any of the additional benefits below, please reach out to the Nicole Griego.

Mpp Flyer.pdf

Pet Insurance

EAP Program Flyer.pdf
F_EAP_FAQ_EE_GRO_T.pdf

Employee Assistance Program

Personal Insurance

Aircraft, Automobile and Collector Cars, Course of Construction, Earthquake, Farm and Ranch, Flood, Home and Investment Properties o Hurricane, Investment Properties, Motorcycles, Watercraft

Discount Programs

Employee discount programs that can help you save on thousands of items-

https://shop.id.me/

www.orogrande.benefithub.com

Oro Grande 2021 Benefit Guide.pdf

2021/2022 Benefit Guide

Please click on the PDF to the left to see plan cost comparisons and a summary of coverage.

Enrollment Forms

_2020_Enrollment Form Kaiser Permanente 4.30.20.pdf

Kaiser HMO Enrollment Form Medical Only

Aetna Enrollment Form.pdf

Aetna HMO/AVN Enrollment Form Medical Only

Employee_EnrollmentForm_Fillable.pdf

Vision & Life Plans Enrollment Form

DeltaDental_DualChoice_Enroll.pdf

Dental Coverage Enrollment Form

2021-22 Benefit Select-Returning.pdf

Full Time (40 Hours) Selection Form

Please click on the PDF to complete

2021-22 Benefit Select-PT.pdf

Part Time (30-39 hours) Selection Form

Please click on the PDF to complete


2021-22 Benefit Select-OPT OUT.pdf

OPT OUT Selection Form

Please click on the PDF to complete