Benefits Package and Incentives / Health Benefits and HSA info.

OPEN ENROLLMENT BENEFITS GUIDE/INFORMATION, FORMS AND RATES

RJUHSD Benefit Guide and 2019-20 Annual Notices

Open Enrollment Webinar

Annual Open Enrollment for medical, dental, and vision insurance coverage and flexible spending accounts is conducted each May with an effective date of July 1. The Open Enrollment period is an opportunity to change medical carriers, plans, and/or change dependent coverage.

Open Enrollment for plans beginning July 1, 2019 is April 29 through May 24, 2019.

Forms to Complete:

Open Enrollment Selection Form ALL employees complete Google doc.

SIG Enrollment Form and chosen Provider's enrollment form:

                Kaiser Enrollment Form

                Sutter Health Plus Enrollment Form

                Western Health Advantage Enrollment Form

SIG Waiver Form (To decline all Health Benefits)

Health Benefit Rate Sheets 2019-20:

$900/cap/month -- RSEA Group (Teachers)

$833/cap/month -- CSEA Group (Classified Staff)

$619/cap/month -- Administrators and Cabinet

$669/cap/month -- Classified Managers

$769/cap/month -- Confidential Employees

$719/cap/month-- Support Services

Medical Plans 2019-20

Kaiser:

Kaiser High Deductible HMO (HSA eligible) Deductible: $2,000 Ind./$2,700 Ind. Family Mbr./$4,000 Family

Kaiser HMO   Plan E $20 Co-Pay plus Optical and Chiro

Sutter Health Plus:

Sutter High Deductible HMO (HSA eligible) Deductible: $2,500 Ind./$2,700 Ind. Family Mbr./$5,000 Family

Sutter Mid High Deductible HMO (HSA eligible) Deductible: $1,500 Ind./$2,700 Ind. Family Mbr./$3,000 Family

Sutter HMO

Western Health Advantage:

Western High Deductible HMO (HSA eligible) Deductible: $2,800 Ind./$2,800 Ind. Family Mbr./$5,600 Family

Western Mid High Deductible HMO (HSA eligible) Deductible: $1,800 Ind./$2,700 Ind. Family Mbr./$3,600 Famiy

Western HMO

Full Plan Summaries of Benefits & Coverage (SBC) are available on the SIG website: http://schoolsinsurancegroup.com/summaries-of-benefits

Delta Dental Premier Insurance

The dental coverage plan for the family is paid 100% by the district and is only available with employee's participation in medical coverage.  Delta Dental Plan

VSP Vision Care

Voluntary participation of Kaiser HD, Sutter Health Plus and Western Health Advantage subscribers. Employee only coverage.  VSP Plan

Health Savings Account (HSA) with High Deductible Plans

Employees who choose a High Deductible Health Plan qualify to open a Health Savings Account (HSA). An HSA account allows pre-tax dollars to be set aside for health-related expenses. The 2019 tax year individual plan maximum limit is $3,500 and the family plan limit is $7,000. Additional catch-up contributions are allowed for subscribers over the age of 55. The District’s pre-tax HSA payroll deduction is administered through Optum Bank.* Please note: Unused HSA funds are non-refundable. HSA funds continue to earn interest and are carried forward to subsequent years for health-related expenses. The funds can be used in retirement years for qualified medical expenses.

Health Savings Account (HSA) General Information

District HSA Salary Reduction Form Monthly HSA contribution amount may be changed at any time throughout the year.

Optum Bank HSA Enrollment Form Optum Bank's monthly fee waived when enrolled in High Deductible Health Plan.

* Individual HSA's may be available through an employee's bank, however, the contribution will not be an automatic district payroll deduction. If interested in a non-Optum Bank HSA, please inquire with your banking institution.

Benefits Package and Incentives

OPEN ENROLLMENT BENEFITS GUIDE/INFORMATION, FORMS AND RATES

Forms to Complete:

Health Benefit Rate Sheets 2019-20:

Medical Plans 2019-20

VSP Vision Care

Health Savings Account (HSA) with High Deductible Plans