Anderson Park District

Table of Content

  1. Header
  2. Your 2026 Anderson Park District Benefits
    1. How to Enroll
    2. Open Enrollment (ACTIVE)
    3. Eligibility & Qualifying Events
  3. Medical & Prescription
    1. Medical Summary
    2. Summary of Benefits and Coverage (SBC)
    3. Prescriptions
    4. Prescription Summary
    5. Virtual Visits
  4. Dental
    1. Dental Summary
  5. Vision
    1. Vision Summary
  6. Basic Life and Voluntary Life
    1. Beneficiary Designation
    2. Guarantee Issue (GI)
  7. Resources
  8. Employee Contributions
  9. Well-being Hub
  10. Required Annual Notices
  11. Understanding your Benefits
  12. Carrier Contacts
  13. Questions?
  14. Footer

Your 2026 Anderson Park District Benefits

Annual enrollment is your opportunity to learn about the 2026 Benefits, review your current coverage, and choose the best options for you and your family. Please review this virtual benefit guide and attend our upcoming education session to learn more about our 2026 benefits offerings.

This annual enrollment will be an active open enrollment, which means you must make your benefit elections by Friday, December 12th if you wish to be enrolled in benefits for the 2026 plan year.

Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place until December 31, 2026 unless you notify HR within 30 days of your QLE to be eligible to make new elections.

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


QUALIFYING EVENTS

You can, however, modify your elections under certain circumstances, called "Qualifying Events".


Ready to Enroll?

Complete your enrollment form and hand it in to Human Resources.

    When Does My Coverage Start? 

  • If you are a New Hire or you are newly eligible for benefits for questions, contact HR. Your coverage will be effective immediately on your first day of employment.

  • If this is your annual open enrollment, your coverage is effective 1/1/2026.

           

               What is a Qualifying Event?

  • Marriage
  • Divorce
  • Birth/Adoption of a child
  • Death of a spouse or other enrolled dependent
  • Change in spouse’s benefits or employment status
  • A dependent becomes eligible for Medicare or Medicaid

Who are my legal dependents?

  • Your legal spouse or domestic partner
  • Your children (up to age 26) including natural children, stepchildren, legally adopted children, 

 children placed for adoption, children for whom you serve as legal guardian

  • Disabled dependent child(ren) of any age

Medical & Prescription

Anderson Park District offers a medical plan through Aetna.

A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room, and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.  

 Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Aetna's contract rate as the final charge and the member is not balanced billed.

Medical Image


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided below.


Medical Summary


Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.

SBC AFA 3000 100-50 CY V25

SBC AFA 3000 100-50 CY V25

Prescriptions

TRADITIONAL DRUGS


TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.


TIER 2  | Low copay: This category includes non-preferred and low-cost generic drugs


TIER 3  | Higher copay: This category includes preferred, brand-name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and have a higher copay.


TIER 4  | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.


Helpful Rx Cost Savings Tools & Tips:

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail-order 90-day supply.


GOOD Rx - There are many tools online that you can use to save on prescription costs. One is GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (which will not count towards your maximums).


ASK YOUR DOCTOR – Make sure to ask if there are cost-saving alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

Prescription Summary

RX Summary


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the medical benefit summaries provided under the Medical & Prescription section above.

Dental

Dental Benefits through Humana provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

NETWORK: Humana

How do I find an In-Network Provider? Use the helpful link below!

  • In-Network providers can also be found by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.

Did You Know? 

  • You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

Pre-treatment Estimate

  • If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.

PREVENTION FIRST!

Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits. 

Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.

 Looking for more details about how items are covered? Click on the link below to view the formal plan summary. 

Dental Summary


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided above.

Dental Summary

Dental Summary of Benefits

Dental Summary of Benefits

Vision

Anderson Park District offers vision coverage through Humana to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.

 Did You Know?

Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:

    • Diabetes
    • Heart disease
    • High blood pressure
    • High cholesterol
    • Glaucoma and cataracts

To find out if your provider is in-network, please visit the website below.

 

Vision Summary


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided above.

Vision Benefit Summary

Vision Summary of Benefits

Vision Summary of Benefits

Basic Life and Voluntary Life

Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.

Basic - Employer Paid $15,000 Benefit

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer-provided Basic Life coverage.

The portability provision allows you to continue Voluntary Term Life Insurance upon loss of eligibility or termination of employment in these situations:

  • Group policy discontinues the eligibility of a class of employees to which you belong
  • You retire
  • You are terminated or change jobs


This Policy will port into a Term policy.

You have 30 days from the loss of eligibility date to port your Voluntary Term Life.

Conversion allows you to convert your Voluntary Term Life Insurance to an individual life insurance policy in these situations:

  • Employment ends
  • You stop being a member of an eligible class of employees
  • Dependent loss of eligibility
  • The policy terminates


This policy will convert to a Permanent Whole Life policy.

You have 30 days from the loss of eligibility date to convert your Voluntary Term Life.

Beneficiary Designation

Who's Your Beneficiary?

Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.

Primary Beneficiary: Your primary beneficiary receives your benefits in the event of your death.

Contingent Beneficiary: Your contingent beneficiary receives your benefit, in the event that your primary beneficiary cannot.

*Please make sure your beneficiary information is up to date with your HR office*

Employee Contributions

Pre-Tax Contributions


You share in the cost of your Medical, Dental, and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account or a health savings account, those contributions will be taken out of your pay on a pre-tax basis based on your election.


After-Tax Contributions


If you choose to purchase Supplemental Life insurance and Optional AD&D insurance benefits for yourself or your dependents, your contributions will be taken out of your pay on an after-tax basis. You will be able to see the costs for these benefits in the enrollment system when you log in.

Medical Employee Contributions

Dental Employee Contributions

Vision Employee Contributions

Well-being Hub

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. We recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support the improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of the team.

 

To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.

Wellbeing image

Required Annual Notices

Federal regulations require employers to provide certain notifications and disclosures to all eligible employees. The compliance packet linked is dedicated to those disclosures for your 2026 plan year. If you have any questions or concerns, please contact your HR Department.

Required Annual Notices

Required Annual Notices

Required Annual Notices

Required Annual Notices

Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide to certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment, or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, Federal law gives you more choices about your prescription drug coverage.



Client Contacts

BJ

Brian Jordan

bjordan@andersonparks.com

(513) 474-0003

Account Team Contacts

ContactImage

Logann Woodley

Account Executive

logann.woodley@nfp.com

Powered By

Insurance services provided through NFP Insurance Services, Inc. (NFPISI), a subsidiary of NFP Corp (NFP). NFP and its subsidiaries do not provide tax or legal advice. This material was created to provide a summary of the subjects covered, but should not be regarded as a complete analysis of these subjects. The services of an appropriate professional should be sought regarding your individual situation.

Copyright © 2025 NFP Corp. All Rights Reserved.