It's time to update your benefit elections during Einstein Charter Schools' annual open enrollment!
Annual enrollment is your opportunity to learn about the 2024-2025 benefits offered by Einstein Charter Schools, review your current coverage and choose the best options for you and your family. You should carefully consider your Open Enrollment decisions because your elections remain in effect for your entire plan year. After you make your elections, the only time you can make changes to your benefit programs during the plan year is if you experience a Qualifying Life Event.
Qualifying life events include:
•Marriage, legal separation or divorce
•Birth or adoption of a child
•Change in employment
•Change in a dependent’s benefit eligibility status (i.e. a dependent child exceeding the maximum age for coverage)
•A significant change in the cost of coverage of your spouse’s benefits
•Change in place of residence causing a loss of eligibility (i.e. moving outside of the service area)
•Change in the cost of dependent care (only for the Dependent Care Spending Account)
•Loss of a dependent (death)
•Open enrollment for your spouse
If you qualify for a change in your benefits, please notify Einstein Human Resources within 30 days of the change in status. You will need to provide Einstein Human Resources with proof of the change.
Please review our 2024-2025 Benefits Summary to learn more about our 2024-2025 benefits offerings.
Open Enrollment will run from July 29, 2024, through August 9, 2024. Any changes you make will be effective September 1, 2024.
We are pleased to announce that we will be renewing all your insurance plans with all the existing insurance carriers and there will be no plan design changes for the 2024-2025 plan year. As such, open enrollment will be passive, which means all your current benefit elections will continue into the new plan year unless you make a change or waive coverage.
While there will be no plan changes, there will be changes to employee payroll deductions, so we urge you to review all your current plan elections to ensure they still meet your needs.
MEDICAL: We will continue to offer four medical plan options through Blue Cross Blue Shield of Louisiana.
· Louisiana Copay Plan – HMO Louisiana HMO/POS Network
· Ochsner Copay Plan – BlueConnect HMO/POS Network
· High Deductible Plan – Preferred Care PPO
· High Deductible Plan – BlueConnect HMO/POS Network
DENTAL: We will continue to offer Dental benefits through TruAssure. TruAssure will pay at the 90th percentile of usual and customary rates for out of network dentists. TruAssure also offers 3 cleanings per year and white composite fillings instead of the silver amalgam fillings at no additional charge!
VISION: Vision coverage continues to be offered through Humana. With Humana you can obtain your eye exam annually, with coverage for eyeglass lenses or contact lenses every 12 months, and an eye glass frame allowance every 24 months.
VOLUNTARY SHORT-TERM DISABILITY: Voluntary short-term disability continues to be offered through Equitable. Short-term disability coverage allows you to protect your income while unable to work due to a covered illness or injury allowing you the time you need to recover.
VOLUNTARY LIFE INSURANCE: Voluntary life insurance continues to be offered through Equitable. Voluntary life insurance can help protect loved ones and provide stability when it's most needed.
VOLUNTARY WORKSITE BENEFITS (ACCIDENT, CRITICAL ILLNESS WITH CANCER & HOSPITAL INDEMNITY): Our Voluntary Worksite Benefits will remain with Aflac this year. While your medical insurance will pay your provider, these benefits are designed to cover some of the out of pocket expenses you may incur even with medical insurance (deductible, copays, coinsurance, etc.). These benefits will pay cash directly upon claim submission, so you get to decide the best way for you to use the funds. Regardless of whether you enroll in Einstein Charter Schools’ medical plan, you are eligible to enroll in any of these plans and can take them with you if you were to ever leave the company. These plans are a great supplement to your medical coverage to help save on premiums without compromising out of pocket exposure. They also contain annual wellness benefits which will help you to stay on top of your annual screenings.
We strongly encourage all employees to log into their Employee Navigator online portal to ensure all of their personal information is accurate and to review all of your benefit options for the new plan year. If you have any questions, please take an opportunity to contact Human Resources or one of the NFP Benefit Advisors. You will find contact information for the NFP Benefit Advisors below in the Contact Us section.
We realize that everyone is overwhelmed with school opening soon. In an effort to make the enrollment process a little easier, we have partnered with NFP to record our benefits overview for you to view at your leisure. Please take time to view the Benefits Open Enrollment Presentation below!
SBC: I hereby acknowledge receipt of the Summary of Benefits and Coverage (SBC) listed below and found in Ease. I have read the SBC and am familiar with its contents. If I have any questions concerning the information, I will contact the carrier or my Human Resource Department to have my questions answered. I understand this SBC is not a contract, and the material represents guidelines subject to change.
Offer of Coverage: I certify that I have received enrollment and plan information for health care coverage that Einstein Charter Schools offers, representing that it meets ACA requirements for affordable, minimum essential coverage, offering minimum value to me. I have been given the opportunity to enroll in or decline that coverage.
Pre-Tax Payroll Deductions: I authorize any payroll deductions required for the elections made in this online enrollment portal. I understand that these deductions will be made on a pre-tax basis unless I elect otherwise on this form. I understand that I cannot change my elections until the next open enrollment period, but I may change coverage for the dependents I am insuring or add new dependents if there is a "qualified" change in status. I have read the plan description and understand the post-tax deduction option.
Required Benefit Notices: Below is a link to the required benefit notices. I attest that I have read and understand the Required Benefit Notices.
Charlotte Sawyer
Producer / Sales Consultant
charlotte.sawyer@nfp.com
301-581-7300
Nicole Mosby
Benefits Administration
nicole.mosby@nfp.com
240-387-2191
Karla Quigley
Dedicated Client Advocate
karla.quigley@nfp.com
240-387-2190
