Marion CUSD #2

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  4. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Teladoc Health Condition Management
    3. Providers & Networks
    4. Virtual Visits
    5. Carrier Resources & Education
  5. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  6. Dental
    1. Dental Plans Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  7. Vision
    1. Network & Resources
  8. Financial Protection
    1. Life Insurance
    2. Disability
    3. Voluntary Benefits
  9. Compliance
    1. Mandatory Notices
    2. Travel Assistance
  10. Additional Educational Videos
  11. Have Questions?
  12. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Marion CUSD #2. We are pleased to offer a selection of benefits designed with your health and financial wellbeing 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. Marion CUSD #2 remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees. Highlights of the 2024 benefit plans include:


*NEW Permanent Life Product

*Introducing a new Permanent Life policy with a Chronic Illness Rider through Atlantic American




Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2024!

OPEN ENROLLMENT REMINDER!

open enrollment

Open Enrollment is from August 5, 2024 through August 16, 2024. This is the time of year where you can elect new plans with Marion CUSD #3. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2024:

  • THIS IS AN ACTIVE ENROLLMENT! You must make an active election (or waiver) for all benefits. Current elections will NOT carry forward.

  • You can also call the call center for enrollment help at 888-216-6874 Monday-Friday 8am-5pm CST

Eligibility & Enrollment

Eligibility

All active employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Marion CUSD #2 as of their date of hire. Full Time Custodians have a waiting period of 1st of the month following 60 days.

When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse, party to a civil union, and dependent children.


Children eligibility terminates as follows:

·       Medical | Dental | Vision: Last day of the calendar month the child turns Age 26

·       Voluntary Life, Accident, Critical Illness, & Hospital Indemnity: As of the child’s 26th birthday


Should you no longer be employed by Marion CUSD #2, your coverage will end as of the end of the month of which your termination occurred. 


Enrollment

Log Into ENavigator

Make Your Open Enrollment Elections Here

Log Into ENavigator

Make Your Open Enrollment Elec ...

Action Required: All elections must be submitted by August 16, 2024!!

This is an ACTIVE ENROLLMENT! All employees must access ENavigator and either elect or waive benefits by August 16, 2024; otherwise, all benefits will be terminated effective 8/31/2024.

ENROLLMENT INSTRUCTIONS:

  1. Review your benefit information included on this site
  2. Log into your Navigator Portal at https://nfp.company/enroll Company Identifier: marionunit2
  3. Follow instructions and enroll in your benefits - you must complete open enrollment even if you are waiving benefits
  4. Make sure to save your elections and save/print your confirmation statement.

The Benefit choices you make during your open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.

Contact Human Resources if you have questions about qualifying event

Medical & Rx



BlueCross BlueShield of Illinois is still your medical and prescription carrier! You have the choice between two plans for the 2024 plan year. The two plan options include a PPO plan and a HDHP PPO plan. View the Providers & Networks area for more information and buttons on how to locate participating providers.


After you enroll in one of the medical plans and after September 1, 2024, please be sure to register through the BCBS member portal where you can access important information pertaining to your medical plans with BCBS including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs.

Blue Access for Members

Your coverage must be active to register

Blue Access for Members

Your coverage must be active t ...

Medical/Rx Plans Overview

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.

Teladoc Health Condition Management

Providers & Networks

Instructions and tips for locating participating providers below --


How do I find an In-Network Provider?

Log into your BLUE ACCESS FOR MEMBERS account www.bcbsil.com/member

In-Network providers can also be found on the BlueCross website (www.bcbcsil.com) under “Find a Doctor or Hospital”.

And don’t forget, you can always call BlueCross member services at the phone number on the back of your BlueCross ID card

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Carrier Resources & Education

HDHP+HSA

HDHP+HSA

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Dental

Ameritas | 800.487.5553

Marion CUSD #2's dental plan provide comprehensive coverage to help you and your family maintain good dental health. The dental plan combines dental and eye care benefits in one easy plan called FUSION. This dental plan also includes eyewear savings, hearing savings, and dental rewards. The dental plans do not require you to go to an in network provider, however, your yearly maximum amount of coverage will go farther if you use a contracted provider. Please see the Provider and Networks section for directions on finding a provider.

Dental Rewards Include:

  • Annual Carryover Amount of $250--This reward is added to the following year's maximum
  • Annual PPO Bonus of $100--The bonus is earned if members see a network provider
  • Maximum Carrover is $1,000--Maximum possible accumulation for dental rewards and PPO bonus combined

Dental Plans Overview











Providers & Networks



Vision

Marion CUSD #2 offers vision coverage through Ameritas, using the EyeMed network, to help pay for eye exams, prescription glasses and contact lenses. EyeMed also provides discounts for Hearing Care and Lasik.


Please be sure to register through the EyeMed member portal where you can access important information pertaining to your vision plan with EyeMed including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the EyeMed portal as of your effective date of coverage.


Below is a high-level overview of your plan and in-network benefits:



EyeMed Portal

Log In/Register

EyeMed Portal

Log In/Register

Network & Resources




Member FAQ

Member FAQ

Hearing Care

Hearing Care

Lasik

Lasik

Financial Protection

Marion CUSD #2 offers a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

Life Insurance

  • NEW Benefit Offering
    • Atlantic American Whole Life Insurance

Learn more about this new offering by clicking below:

Voluntary Benefits



Marion CUSD #2 provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to you. These benefits are paid for through payroll deduction on a post tax basis so that the benefits are tax free.


Accident, Critical Illness, & Hospital coverage is provided through Aflac. Hopefully you are never in the position to use it, but if you were to experience an accident, illness, or hospitalization, it could end up costing you a lot of money. With these plans, you will be paid money for qualifying situations/services to cover our of pocket expenses or you may use the funds for whatever you like.







See plan summaries below for additional details.

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Compliance

This section will display any mandatory notices that Marion CUSD #2 needs to be aware of.

Mandatory Notices

Additional Educational Videos

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read an EOB

How to Read an EOB

What is Balance Billing?

What is Balance Billing?

COBRA

COBRA

How to stretch your healthcare dollars

How to stretch your healthcare dollars

FMLA

FMLA

Have 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 of 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, a Federal law gives you more choices about your prescription drug coverage.


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