Table of Content
- Header
-
Overview
- Welcome
- Benefits Overview
- How to Enroll
- Medical
- Virtual Medical Visits
- Direct Primary Care
- Wellness Program
- HSA
- Dental
- Vision
- Life & Disability
- Supplemental Health
- Value Added Benefits
- Additional Resources
- Benefit Summaries
- Contact Us
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to James Irwin Charter School. We are pleased to offer a selection of benefits designed with your health and financial well-being in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees. Annual open enrollment is your opportunity to learn about the 2024 Benefits Program, however, you can review your current coverage at any time throughout the year.
- View your Benefits Overview
- Watch the Educational Videos and view the Additional Resources to learn more about your benefits program.
Benefits Overview
James Irwin Charter School remains committed to providing a competitive, cost-effective benefit program. Please review your 2024 Benefits Enrollment Guide for information on all of your benefits.
2024 Benefits Program Updates:
- Core benefit carriers (medical, dental, vision, life, disability) will continue for the 2024 plan year.
- JICS increased their medical and Health Savings Account (HSA) contributions to provide additional funding to employees wanting to enroll their dependents, spouse or child(ren).
- All medical plans will receive a rate change that will be shared between JICS and its employees.
- The HMO (Copay) plan includes plan design changes to the deductible and out-of-pocket maximum figures.
- The Base HDHP plan includes a plan change to coinsurance once the deductible has been met.
- Dental plan with Delta Dental exceeded budget figures and will receive an increase in 2024; they provided a two (2) year rate guarantee, which provides a no change to rates for the 2025 plan year.
Medical
James Irwin offers a comprehensive medical plan offering with a choice between a PPO, EPO, and QHDHP plan.
How do I locate Medical Providers?
- Follow the medical link to the Aetna website.
- Click on Find a Provider
- Under Guests choose Plan from an employer. Enter your zip code, city, state or county then click Search.
- Next, choose the appropriate plan from the Select a Plan drop down menu. Specifically, under Aetna Whole Health Plans CHOOSE the Aetna Whole Health –Colorado Front Range Health Network Only and click Continue
- 4.Input in the name of the provider or the type of provider for which you are searching (examples include primary care physicians or urgent care). You can also use the tiles below the search field to search by category.
How do I access my Medical ID Card?
- Login to the Aetna portal
- Select 'Download an ID Card'
Virtual Medical Visits
General Medical
$56 or less/visit
Talk to a licensed doctor for non-emergency conditions 24/7
Flu ● Sinus infections ● Sore throats ● And more
Mental Health
$90 or less/therapist visit
$215 or less/psychiatrist first visit
$100/psychiatrist ongoing visit
Talk to a therapist 7 days a week (7 a.m. to 9 p.m. local time)
Dermatology
$85 or less/consult
Upload images of a skin issue online and get a custom treatment plan within 2 days
Eczema ● Acne ● Rashes● And more
Set up your account or log in today
Visit Teladoc.com/Aetna
Call 1-855-TELADOC (835-2362) | Download the app
Direct Primary Care
Direct Primary Care enables the primary care physician to provide higher quality healthcare by building a closer doctor/patient relationship. The PCP can spend more time with the patient providing more personalized care and healthier, happier patients. James Irwin provides access to Direct Primary Care (DPC) services through PeakMed.
Employee enrolled on either the Aetna Choice HSA $4.0k or Base HSA $5.0k receive PeakMed DPC plan at no additional cost.
HSA
The Health Savings Account is a cost savings tool that can assist with paying for qualified out-of-pocket medical costs. The H.S.A account is owned by you, the employee. Monies can be contributed up the annual maximum contribution set by the IRS every year. If you do not spend all of those funds during the calendar year, those funds will carry over into the next year. You own and control the money in your H S A. This is intended to be a savings account so the more money you put in, the more money you’ll have available to pay for qualified out-of-pocket health care expenses. If you change jobs or retire, your H S A balance goes with you. You must be covered by a Qualified High Deductible Health Plan (QHDHP) to be able to contribute to an H S A.
James Irwin provides the following HSA contributions for employees enrolled in the QHDHP plan with an HSA:
• HSA $4k Plan: $50 / month for employee only and $75 / month for all other tiers
• HSA $5k Plan: $100 / month for employee only and $125 / month for all other tiers
In 2024, the maximum annual contribution for single enrollee set by the IRS is $4,150 and maximum family contribution is $8,300. A catch-up contribution, up to an additional $1,000, is allowed for individuals who are 55 years or older.
The HSA account is offered through Optum Bank. If you would like to establish an account or make changes to it, please visit with the James Irwin Human Resource Department for assistance.
Dental
Your dental plan is provided Delta Dental of Colorado.
How do I locate Dental Providers?
- Follow the dental link to the Delta Dental website:
- Login to the Delta Dental portal
- Search Provider Directory
How do I access my Dental ID Card?
- Login to the Delta Dental portal
- Select 'Download an ID Card'
Vision
Your vision plan is provided by Anthem Vision.
How do I locate Vision Providers?
- Follow the vision link to the Anthem Vision website:
- Login to the portal
- Search Provider Directory in the Blue View Vision Network
How do I access my Vision ID Card?
- Login to the portal
- Select 'Download an ID Card'
Life & Disability
James Irwin believes in offering our employees the opportunity to provide for their family's future rather than leaving it to chance.
Life Insurance
Life insurance can provide your dependents with a lifetime of financial security and upon your death, can be used to pay off your debts - such as credit cards and your mortgage - or other expenses that could burden your family.
That's why James Irwin provides Life and Accidental Death & Dismemberment (AD&D) insurance to full-time employees at no cost to you.
As an employee, you have the option to purchase additional Life and AD&D for yourself, spouse, and dependents.
Disability Insurance
Becoming disabled is often and unexpected and a burdensome experience, and it can happen to anyone. Disability insurance can help protect your income in the event of a disability by providing you a benefit for injuries and sickness which are not work related.
James Irwin offers both Short-Term Disability and Long-Term Disability.
Please see your 2023 Benefit Guide for details.
Additional Resources
Identity Theft Recovery
This full service ID Recovery Program will perform the recovery you or a family member fall victim to identity theft. In the event of identity theft, the victim will be assigned a dedicated Privacy Advocate that will act on behalf of the person to restore their identity. Privacy Advocates are Certified Identity Theft Risk Management Specialists by the Institute of Fraud Risk Management.
Bereavement Services
Bereavement Support Services provide confidential and professional support services to all covered employees and family members to cope with the loss of a loved one—at no extra cost. Such services available are unlimited telephonic grief counseling, legal and financial services.
24/7 Emergency Travel
By enrolling in Reliance Standard's programs, you have around-the-clock access to On Call International’s 24-hour, toll-free travel assistance services. Whether you need help with an illness or injury, lost passport, missing luggage or even a prescription refill, you can rest assured you (and your covered dependents!) have access to a personal travel emergency companion anytime you’re more than 100 miles away from home.
Contact Us
As you consider your benefit options, please be sure to review all available information. If you don't understand your benefits or need any assistance, please contact Shaya Johnston at shaya.johnston@jamesirwin.org.