James Irwin Charter School

Table of Content

  1. Header
  2. Overview
    1. Welcome
    2. Open Enrollment
    3. Benefits Overview
    4. How to Enroll
    5. Medical
    6. Virtual Care
    7. Direct Primary Care
    8. HSA
    9. Dental
    10. Vision
    11. Life & Disability
    12. Supplemental Health
    13. Value Added Benefits
    14. Employee Assistance Program (EAP)
    15. Wellness Program
    16. Additional Resources
    17. Benefit Summaries
    18. 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 2025 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.

The complete benefits package is briefly summarized on this enrollment site and in your Benefit Guide. Please review it carefully to select the coverage that best suits your personal situation. If there is any discrepancy between the insurance carrier's certificate of coverage/plan document and this guide, the insurance carrier's certificate of coverage/plan document takes precedence.

Open Enrollment

We are now in the 4th quarter of 2024, which means it's time to review your benefits package and make elections for the 2025 plan year.

Open Enrollment will start Monday, November 4th and will run through Friday, November 15th.

This is a passive open enrollment session, meaning your core benefits will rollover. However, your HSA elections must be annually elected as these elections will not rollover from plan year to plan year. Please be sure to log into Ease to elect your HSA elections for the 2025 plan year.

During Open Enrollment, you may enroll in or make changes to your benefit programs. Open Enrollment is the only period during which you can add or change benefits unless you have a qualifying life event. Be sure to understand the offerings and enroll yourself and your eligible dependents in the programs you desire for the upcoming plan year. Annual deductibles and/or out-of-pocket maximums operate on a calendar year basis (from January through December).

We encourage all employees to login to Ease to confirm benefits for 2025 to ensure they are as you intend them to be for you and any dependents.

Open Enrollment Highlights

​

  • Core benefits (medical, dental, vision, life, disability) will continue for the2025 plan year.
  • All medical plans will receive a slight rate change that will be shared between JICS and its employees.
  • Health Savings Account (HSA) will be offered and funded via Rocky Mountain Reserve (RMR).
  • An enhanced Employee Assistance Program (EAP) will be offered through Aetna, Resource for Living, for all benefit-eligible employees.
  • Medical enrollees 18+ can participate in Aetna’s wellness program, Achieve, and earn up to $100 in incentives throughout the year.
  • The Vision plan will be changing to Aetna Preferred Vision.
  • (New) InsurChoice is a voluntary employee-paid program where a variety of plans are offered at discounted rates on a direct-bill basis with the carrier.
JICS 2025 Benefits Guide

JICS 2025 Benefits Guide

Medical

James Irwin offers a comprehensive medical plan offering with a choice between a HMO (copay) Plan, HSA $4k Plan w/OneMedical, and HSA $5k Plan w/OneMedical. For more information on the medical plans, including benefit summaries and additional resources, please visit Aetna's Microsite for James Irwin Charter Schools at https://www.aetnaresource.com/m/James-Irwin-Charter-Schools

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'

Employees will be receiving new medical ID cards with a new group number effective January 1, 2025.

How to Read an EOB

How to Read an EOB

HDHP vs PPO

HDHP vs PPO

Using a HSA

Using a HSA

Aetna - Healthcare 101 Member Brochure (pre-enrollment)

Aetna - Healthcare 101 Member Brochure (pre-enrollment)

HMO Plan PDD

HMO Plan PDD

HSA $4k Plan PDD

HSA $4k Plan PDD

HSA $5k Plan PDD

HSA $5k Plan PDD

HMO Plan Benefit Summary

HMO Plan Benefit Summary

HSA $4k Plan Benefit Summary

HSA $4k Plan Benefit Summary

HSA $5k Plan Benefit Summary

HSA $5k Plan Benefit Summary

Virtual Care

Starting January 1 2025, Aetna provides members access to virtual primary care, urgent care, and mental health care through CVS Health Virtual Care.

Plan Highlights:

Easy access whenever your employees need it

  • 24/7, on-demand care services with a licensed physician or nurse.
  • Access to mental health services, including mental health counseling with a therapist for anxiety, stress, depression and grief.
  • Psychiatry services for prescriptions, medication management and mental health evaluations.

Connected data for whole-person care

Upfront and affordable pricing

How it works:

  • Log in to cvs.com/virtual-care to access CVS Health Virtual Care from a computer or mobile device.
  • Access on-demand care or schedule amental health visit.
  • Extend to in-person care when needed, at nearby MinuteClinic® locations* or in-network provider clinics.
  • Review medical notes, appointments and test results on the online Health Dashboard.
CVS Health Virtual Care

CVS Health Virtual Care

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 OneMedical (previously PeakMed).

Employee enrolled on either the Aetna Choice HSA $4,000 or Base HSA $5,000 receive OneMedical DPC plan at no additional cost. 

Employees enrolled on the HMO Plan along with enrolled dependents (spouse or children) can pay to be enrolled with OneMedical at the JICS discounted fee.

One Medical DPC Virtual Care Flyer

One Medical DPC Virtual Care Flyer

One Medical - Getting Started

One Medical - Getting Started

HSA

The Health Savings Account is a cost savings tool that can assist with paying for qualified out-of-pocket medical costs. The HSA 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 HSA. 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 HSA balance goes with you. You must be covered by a Qualified High Deductible Health Plan (QHDHP) to be able to contribute to an HSA.

JICS will no longer be contributing to the Optum HSA account and will be making contributions to employees via the HSA established with Rocky Mountain Reserve (RMR). Individuals can continue to utilize and contribute to the Optum account for your own contributions and JICS will not be closing out these accounts. If you would like to close your Optum account and transfer funds to the RMR account, please complete the transfer form below.

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 2025, the maximum annual contribution for single enrollee set by the IRS is $4,300 and maximum family contribution is $8,550. A catch-up contribution, up to an additional $1,000, is allowed for individuals who are 55 years or older.

If you have any questions please contact Rocky Mountain Reserve at 888.722.1223.

HSA

HSA

RMR HSA Guide

RMR HSA Guide

Consolidate HSAs - RMR Form

Consolidate HSAs - RMR Form

Dental

Your dental plan is provided Delta Dental of Colorado. Delta Dental offers two (2) provider networks to select from, PPO and Premier. We encourage you to initially see if the dentist participates in the PPO network as this will lower the cost paid out of pocket when using an in-network PPO dentist for services. PPO dentists provide greater network discounts than the Premier plan. If the dentist isn’t in the PPO network, check to see if they participate in the Premier network. Premier dentists provide a lesser network discount, but at a lesser cost than going 100% outside of the Delta Dental network.

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'
Dental

Dental

Delta Dental Benefit Summary

Delta Dental Benefit Summary

Vision

The vision plan is new with Aetna for the 2025 plan year and will have a new group number. When utilizing your vision plan, please let your vision provider know you’re with Aetna so they can verify your eligibility with the correct carrier.

How do I locate Vision Providers?

  1. Follow the vision link to the Aetna Vision Preferred website
  2. Search Provider Directory

You can also call 1-877-9-SEE-AETNA (1-877-973-3238) (TTY:711)

Register on your member website at Aetna.com. Click "Vision Details" or download the Aetna Health app today to get started.

  • View your vision plan benefits
  • Access your ID card
  • Check your special offers
  • Estimate costs before you get care
  • Find hearing and LASIK discounts and providers

Vision

Vision

Aetna Vision Preffered Special Offers Member Flyer

Aetna Vision Preffered Special Offers Member Flyer

Aetna Vision Preferred Benefit Summary

Aetna Vision Preferred Benefit Summary

Life & Disability

James Irwin Charter Schools believes in offering our employees the opportunity to provide for their family's future rather than leaving it to chance.

Basic Life / AD&D Insurance

James Irwin Charter Schools (JICS) provides all eligible employees with $25,000 of Basic Life and AD&D insurance at no cost to you. Basic life Insurance provides financial protection to your loved ones. In the event of your death, an individual(s) of your choosing (your beneficiary) will receive a cash payment from the insurance provider, Reliance Standard. Basic Accidental Death & Dismemberment (AD&D) coverage provides an additional benefit if you suffer an injury from an accident that results in the loss of a limb, speech, hearing, or death.

Voluntary Life / AD&D Insurance

Employees may purchase additional Life and AD&D Insurance protection for themselves, their spouses, and children through Reliance Standard.

Employee: increments of $10,000 up to $500,000

Spouse: increments of $5,000 to a maximum of $100,000 not to exceed 50% of employee’s election

Child(ren) up to age 26: Increments of $2,500 up to $10,000

Initial Eligibility Guarantee Issue

•Employee: $100,000 (under age 70)

•Spouse: $50,000 (under age 70)

•Child: $10,000

Evidence of insurability will be required for Employees and/or Spouses who apply for coverage after their initial eligibility period, for participants who wish to increase their benefit and for new hires that elect amounts above the guarantee issue limits.

Employees must be enrolled in order to elect spouse and/or child coverage. Premiums are based on the election amount and policy date, January 1st. Spouse premiums are based on the spouse’s age, not the employee.

Remember to keep your beneficiaries up-to-date at all times by visiting the Ease portal.

Long-Term Disability Insurance

Long-Term Disability (LTD) provides income continuation for both non-work and work-related accidents or illnesses that are expected to continue for a long period of time. James Irwin Charter Schools (JICS) pays for the LTD coverage for benefit-eligible employees.

Voluntary Short-Term Disability

This plan provides income replacement benefits when a qualified disability occurs. If you are unable to work due to a non-work related illness or injury. It is 100% paid by the employee with your premiums being paid on a post-tax basis.

Please see your 2025 Benefit Guide for details.

Voluntary Life Flyer

Voluntary Life Flyer

Voluntary AD&D Flyer

Voluntary AD&D Flyer

Short Term Disability Flyer

Short Term Disability Flyer

Long Term Disability

Long Term Disability

Life and Disability

Life and Disability

Employee Assistance Program (EAP)

Resource for Living is an employer-sponsored program and is available to all benefit-eligible employees. The EAP program is at no cost to you and all members of your household. Children living away from home can access services up to age 26. Services are confidential and available 24 hours a day, 7 days a week.

Find Care

  • It’s easy to find a counselor you’d like to work with. You can:
  • View provider options ― images, bios, specialties and more
  • Compare details ― ethnicity, gender, language and more
  • See which providers are open to new patients and when they’re available
  • Find options to schedule your first appointment online
  • Get started quickly without any added steps or calls

Online Resources

  • The member website offers a full range of tools and resources to help with emotional wellbeing, work/life balance and more. You’ll find:
  • Videos and podcasts 
  • Articles and blogs
  • Mobile app
  • Childe and adult care provider search tool
  • Live and on-demand webinars