Coeur d'Alene School District Insurance


    Monday, July 26 to Friday, August 6, 2021

    Open Enrollment is the one time each year that you can make changes to your benefits without experiencing a qualifying life event. Employees will no longer use HRconnection and will be using an on-line benefit portal, known as Employee Navigator for your benefit needs. 

    Open Enrollment will be active from Monday, July 26th through Friday, August 6th 2021. Returning employees will need to login and verify all personal and dependent information and take action to continue coverage starting on September 1, 2021. When asked for employer identifier, use: CDASD   If you wish to waive coverage, you must enter a valid waiver reason.


    Your Options During Open Enrollment

    • Change between medical plans
    • Change between dental plans
    • Enroll in or terminate individual and/or dependent coverage in the medical, dental, or vision plans.
    • Enroll in the Health and/or Dependent Care Flexible Spending Account (FSA) for this next year.
    • Enroll in or make changes to the voluntary life and AD&D plan, long term disability.
    • Enroll in AFLAC group coverage


     (Staff members who have NOT logged in to their portal, please see instructions on this page titled "Employee Navigator"  or email Shelley Hanzen for further assistance.)
     Shelley Hanzen
    HR Benefit Specialist
    208-664-8241 ext 10032
  • Important information for benefited employees with either health plan:

    Blue Cross will waive any cost sharing for coronavirus testing by an in network provider. What this means to you, the member, is that you will not have an out of pocket expense for coronavirus testing recommended by your physician. 

    • Please continue to follow CDC guidelines; wash your hands, cover your cough and if you have cold or flu symptoms, stay away from others until it is resolved.


    • MD Live is a great resource and has up to date coronavirus information on their website. Trust members have no copay to video conference with MD Live.


    • MD Live as well as all medical professionals are extremely busy with coronavirus inquiries. You may experience longer wait times.
    • You will also find information on the Blue Cross website
    • When medically reasonable to do so, testing should be done outside of the emergency room.
    • At this point, the waiver of cost is for the test only.
    • As this unique situation changes daily, Blue Cross will continue to provide any updates.   

New Benefited Staff

  • New Benefited Staff-

    1. Health insurance plans-  Benefited staff will be eligible for insurance effective 10/1 or the first day of the month after the contract start date as long as your enrollment form(s) is submitted prior to the 15th of the month. 
    2. Medical and/or Dental- Once enrolled in a medical or dental plan, you will remain on that plan during the benefit year from 10/1 to 9/30 unless you have a qualifying event. (There is a 30 day window to complete a "Life Event" or you will have to wait until the next Open Enrollment period.)
    3. Vision- Once enrolled in a vision plan, you will remain on that plan during the benefit year from 9/1 to 8/31 unless you have a qualifying event. (There is a 30 day window to complete a "Life Event" or you will have to wait until the next Open Enrollment period.) The District pays the employee vision premium of $6.06/mo.
    4. Group Life Insurance is offered to all benefit eligible employees at no cost to you. Even if it is your intent to waive medical insurance coverage, complete the election portion for these benefits.
    5. District Premium Contribution- The District contributes up to $1048.90/mo (FY21-22) towards employee medical/dental premiums. All employees who choose to enroll in Plan 1 and whose monthly premiums are lower than the monthly district contribution will pay the difference in premiums from Plan 2. The District Contribution is based on 68% of the family Plan 2 premium. 
    6. PERSI- The PERSI Base Plan is a Defined Benefit Plan where membership is mandatory for employees working at least 20 hours per week for at least 5 months at a public employer. PERSI is a method for public employees to ensure their own retirement security with contributions made by both their employer and personal account contributions that earn interest. The mandatory employee contribution for General PERSI members is 7.16% of gross pay with a mandatory Employer Contribution of 11.94%.

    Login to Employee Navigator

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Insurance Plans and Premiums

Medical Insurance Policy

Dental Insurance Policy

Vision Insurance Policy

  • VSP

    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).
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Life Insurance Policy

Flexible Spending Account (FSA)

  • FSA

    The District offers a Flex Spending Account in partnership with Peak1 Administration. Flexible spending accounts provide you with an important tax advantage that can help you pay for health care expenses on a pretax basis.


     On-line Access

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Employee Assistance Program (EAP)

  • Employee Assistance Program (EAP)

    The EAP (Employee Assistance Program), which is run by Reliant Behavioral Health, gives you private, expert support to get you through tough times. This program is provided for FREE to you and covers all financial dependents, living at home or away, plus other household members, whether they're related or not. EAP services are always confidential.

    Clink link below to access EAP contact details. 

     EAP Basics

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Insurance Notices

  • Notice of Exchange

    New Health Insurance Marketplace Coverage
    Options and Your Health Coverage
    Beginning 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
    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 for more information, as well as an
    online application for health insurance coverage and contact information for a Health Insurance
    Marketplace in your area. 
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  • 2020 ACA Employee Notice

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  • 2016 Notice of Privacy Practices

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  • Blue Cross Medical Loss Ratio Notice

    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.

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