James Irwin Charter School

Table of Content

  1. Header
  2. Overview
    1. Welcome
    2. Benefits Overview
    3. How to Enroll
    4. Medical
    5. Direct Primary Care
    6. Wellness Program
    7. HSA
    8. Dental
    9. Vision
    10. Life & Disability
    11. Supplemental Health
    12. Value Added Benefits
    13. Additional Resources
    14. Benefit Summaries
    15. Contact Us
  3. 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 2023 Benefits Program, review your current coverage and choose the best options for you and your family.


Here's what you'll need to do to get started:

  • View your Benefits Overview for a brief summary of your enrollment options.
  • 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 2023 Benefits Enrollment Guide for information on all of your benefits.


2023 Benefits Program Updates:

  • We are pleased to announce that there are NO plan changes for medical, dental or vision benefits for 2023!
  • James Irwin has chosen a new Life and Disability carrier for 2023 that offers more competitive pricing and programs.


Here’s what that means to you:

  • The current Basic Life and Voluntary Life Insurance you have remains the same and will automatically carry over to Reliance Standard.
  • You and your dependents have the opportunity to purchase additional life insurance up to the Guarantee Issue amount with no medical history asked
  • Value Added Perks
  • Identify Theft Recovery
  • Bereavement Support (counseling and legal assistance)
  • 24/7 Emergency Travel Assistance

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?

  1. Follow the medical link to the Aetna website.
  2. Click on Find a Provider
  3. Under Guests choose Plan from an employer. Enter your zip code, city, state or county then click Search.
  4. 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
  5. 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?

  1. Login to the Aetna portal
  2. Select 'Download an ID Card'


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: $125 / month or $1,500 annually

HSA $5k Plan: $175 / month or $2,100 annually


In 2023, the maximum annual contribution for single enrollee set by the IRS is $3,850, and maximum family contribution is $7,750. 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?

  1. Follow the dental link to the Delta Dental website:
  2. Login to the Delta Dental portal
  3. Search Provider Directory


How do I access my Dental ID Card?

  1. Login to the Delta Dental portal
  2. Select 'Download an ID Card'

Vision

Your vision plan is provided by Anthem Vision.


How do I locate Vision Providers?

  1. Follow the vision link to the Anthem Vision website:
  2. Login to the portal
  3. Search Provider Directory in the Blue View Vision Network


How do I access my Vision ID Card?

  1. Login to the portal
  2. 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.


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.