Coeur d'Alene School District Insurance
EMPLOYEE BENEFITS OPEN ENROLLMENT: July 15 to August 9, 2019!!The District is using an on-line benefit portal, known as HR Connection for your benefit needs. All benefited employees will need to re-elect their benefits through the portal during the open enrollment period. Mark your calendars now so you don't miss this opportunity and risk losing your coverage. The election window opens on July 15, 2019 and closes August 9, 2019.(Staff members who have NOT logged in to their portal, please see instructions on this page titled "HRconnections" or email Shelley Hanzen for further assistance.)Shelley HanzenHR Benefit Specialistshanzen@cdaschools.org208-664-8241 ext 10032
Insurance Plans and Premiums
The Murray Group - Helbling Benefits, our Insurance Broker, provides a detailed insurance website containing the most up-to-date information on the District's health, dental, vision and life insurance plans.The Murray Group / Helbling Benefits601 East Front Avenue Suite 301Coeur d'Alene, ID 83814208-765-2620Natalie Erickson, Benefits SpecialistNellie Armstrong, Account Manager
Dental Insurance Policy
(Dental Blue Connect (Willamette) is an alternative dental option to our traditional incentive dental plan. Under this plan you visit the Willamette clinic and pay a copay for all services. This plan offers orthodontic coverage!You are not able to utilize dentists outside of the clinic.Appointments Emergencies: 800-603-1738Customer Service: 877-329-7965
Blue Cross Dental is a PPO provider network. District employees receiving services from non-PPO dental providers will be responsible for their illustrated benefit percentage, as well as any amount over Blue Cross of Idaho’s out-of-network maximum allowance.Customer Service 800-627-1030
Vision Insurance Policy
Vision coverage is provided by VSP-Group Vision Policy Plan B GV-2058A, see coverage summary below. You have the option of visiting a preferred provider or non-preferred provider for varied discounts. The provider will verify your eligibility via your name and social security number (id cards are not provided).To submit a claim for a non-preferred provider, you must send the receipt and claim form to VSP directly for reimbursment (see Insurance Rates and Forms for claim form).
New Health Insurance Marketplace CoverageOptions and Your Health CoverageBeginning in 2014, there is a new way to buy health insurance: the Idaho Health Insurance
Marketplace. To assist you as you evaluate options for you and your family, this notice provides some
basic information about the new Marketplace.
What is the Health Insurance Marketplace?The Marketplace is designed to help you find health insurance that meets your needs and fits your budget.The Marketplace offers "one-stop shopping" to find and compare private health insurance options. You
may also be eligible for a new kind of tax credit that lowers your monthly premium right away.
The 2017 open enrollment period for health insurance coverage through the Marketplace will run from
Nov. 1, 2016, through Jan. 31, 2017. Individuals must have enrolled or changed plans prior to Dec. 15,
2016, for coverage starting as early as Jan. 1, 2017. After Jan. 31, 2017, you can get coverage through
the Marketplace for 2017 only if you qualify for a special enrollment period or are applying for Medicaid or
the Children’s Health Insurance Program (CHIP).Can I Save Money on my Health Insurance Premiums in the Marketplace?You may qualify to save money and lower your monthly premium, but only if your employer does not offer
coverage, or offers coverage that doesn't meet certain standards. The savings on your premium that
you're eligible for depends on your household income.Does Employer Health Coverage Affect Eligibility for Premium Savings through the
Marketplace?Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not
be eligible for a tax credit through the Marketplace and may wish to enroll in your employer's health plan.
However, you may be eligible for a tax credit that lowers your monthly premium or a reduction in certain
cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets
certain standards.If the cost of a plan from your employer that would cover you (and not any other members of your family)
is more than 9.5 percent (as adjusted each year after 2014) of your household income for the year, or if
the coverage your employer provides does not meet the "minimum value" standard set by the Affordable
Care Act, you may be eligible for a tax credit. (An employer-sponsored health plan meets the “minimum
value standard” if the plan’s share of the total allowed benefit costs covered by the plan is no less than 60
percent of such costs.)Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered
by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage.
Also, this employer contribution—as well as your employee contribution to employer-offered coverage—is
often excluded from income for federal and state income tax purposes. Your payments for coverage
through the Marketplace are made on an after-tax basis.How Can I Get More Information?For more information about your coverage offered by your employer, please check your summary plan
description or contact The Murray Group at (877) 765-2620 for more information.The Marketplace can help you evaluate your coverage options, including your eligibility for coverage
through the Marketplace and its cost. Please visit HealthCare.gov for more information, as well as an
online application for health insurance coverage and contact information for a Health Insurance
Marketplace in your area.
The Affordable Care Act requires us to notify all members of the medical loss ratio for their healthcare plan. Health insurers must spend at least 80% of the premiums received for the individual and fully insured group members on healthcare services and activities to improve healthcare quality. Blue Cross has determined that it has met these requirements for the 2011 reporting year.