2021 Open Enrollment



What is Open Enrollment?

Open enrollment is the time period each year when eligible employees can enroll or make changes to their current elections in our medical, dental, or supplemental/dependent life insurance plans, and enroll/re-enroll in the flexible spending plans. Employees must also elect a new annual contribution to their Health Savings Account (HSA) as prior elections will not carry over.  This year, Open Enrollment is scheduled for November 9, 2020 through November 23, 2020.  All changes need to be submitted by 4pm CST on November 23, 2020 to be accepted.  Changes made during open enrollment are effective January 1, 2021.

Online Enrollment Process:

This year we are again using the online enrollment system through PlanSource. All eligible employees must login to the system to elect, change, or waive coverage. If you do not login to change elections, current benefits will carry over into 2021 apart from flexible spending account and employee contributions to your health savings account.  An email will be sent to all eligible employee’s ISD 917 email address with enrollment instructions open enrollment nears.  During open enrollment, you may make the following changes/additions online:

  • Elect coverage or change into one of the two medical plans offered by Medica
  • Add medical or dental coverage for yourself, if you have previously waived coverage
  • Add medical or dental coverage for any of your eligible dependents if not currently covered
  • Drop medical or dental coverage on yourself and/or any of your currently covered dependents
  • Add Supplemental or Dependent life insurance coverage (subject to evidence of insurability)
  • Drop Supplemental or Dependent life insurance coverage
  • Enroll or re-enroll in the flex plan dependent care and/or health care spending accounts

        

    Medical Plan Changes:

  • Medica $500 (single) / $1,000 (family) deductible co-pay plans are increasing 1% for each plan to $901 for single and $2,705 for family level coverage
  • Medica $2,000 (single) / $4,000 (family) deductible HSA plans are increasing 1% for each plan to $667 for single and $2,002 for family level coverage
  • No changes to benefit plan
  • COVID-19 is still covered by our medical insurance plans as follows:
    • Waived copays, co-insurance and deductibles related to COVID-19 diagnostic lab testing
    • Waived in-network copays, co-insurance and deductibles for hospital treatment of COVID-19

      Dental Plan Changes:

  • 2020 premiums for both single and family coverage: 0% change
  • New for 2021
    • Deductibles for service have been reduced to $0
    • Plan begins to pay immediately with $0 deductible

      Flexible Spending:

  • Enrollment in the flexible spending accounts occurs annually
  • If you wish to participate in 2021 in either dependent care and/or medical flexible spending accounts, you must enroll

    Health Savings Account/ H.S.A:

  • To make an employee contribution or receive district contributions to the Health Savings Account you must be enrolled in the $2,000/$4,000 high deductible medical insurance plan in 2021
  • 2021 H.S.A combined employer/employee contribution limits are $3,600 for single and $7,200 for family level coverage with the same age 55 catch-up provision allowing an additional $1,000
  • Employer contributions remain the same at $1,000 for single coverage and $2,000 for family coverage on an annual basis

HealthiestYou – Telehealth

  • The district will continue to pay for coverage of this service in 2021
  • You remain eligible to use this service if you are enrolled at least employee only medical coverage
    • If enrolled in medical coverage, you gain access to this service for yourself and eligible family members even if the family members are not covered on the district medical insurance plan

Life Insurance and Long-Term Disability

  • No changes to our life insurance through Kansas City Life, including the same rates as last year
  • Long-Term Disability is changing vendors from Kansas City Life to Madison National Life
    • This change allows us to keep our current cost and plan structure

Open Enrollment Employee Meeting

For 2021 Open Enrollment meetings, this year we will hold a virtual meeting for people to attend.  People can attend via a Zoom meeting as follows:

Date/Time:  Wednesday, November 11th from 2:00pm – 4:00pm

Meeting Link:  2021 Open Enrollment Meeting

Meeting ID:  938 4782 6269

Passcode:  447265

Phone (for audio or to call in and participate):  888 475 4499 (Toll Free) or 877 853 5257 (Toll Free)

This meeting will be presented by Chase Ambrosia who is ISD 917’s broker for health insurance benefits.  Chase will have a presentation to walk through insurance offerings and changes for 2021.  After the presentation there will be an open Q&A forum to address questions or concerns you may have.

All eligible employees must complete their online elections no later than midnight on November 23, 2020


2021 Open Enrollment Information, Links and Documents: