Coeur d'Alene School District Insurance


    Open Enrollment is the one time each year that you can make changes to your benefits without experiencing a qualifying life event. Employees are using an on-line benefit portal, known as Employee Navigator for your benefit needs. 

    Open Enrollment will be active each year from the end of July through August 10th. Returning employees are asked to login and verify all personal and dependent information and take action to continue coverage starting on September 1st. If 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 Colonial Life group coverage


     (Staff members who have never logged in to their portal, please see instructions on this page under "Employee Navigator"  or email Shelley Hanzen for further assistance.)

     Shelley Hanzen
    HR Benefit Specialist
    208-664-8241 ext 10032

    • Health insurance plans-Benefited staff will be eligible for insurance effective the first day of the month after the contract start date.
    • Medical and/or Dental- Once enrolled in a medical or dental 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.)
    • 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.
    • 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.
    • District Premium Contribution- In FY 23/24, the District contributes up to $1230.26/mo 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. 
    • 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. Starting 7/1/23, the mandatory employee contribution for General PERSI members (classified staff, except bus drivers) is 6.71% of gross pay with a mandatory employer contribution of 11.18%. Certified staff and bus drivers will be 7.62% of gross pay with 12.69% employer contribution.

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)

Employee Assistance Program (EAP)