Parma City School District Benefits

To Our Employees:

Highlights of your benefit plans include:

  • Medical - Medical Mutual
  • Dental - Delta Dental
  • Vision - Medical Mutual

To help you gain that strong understanding, please read these virtual benefits guide carefully and consult the Benefits Department with any questions.

Thank you for all that you do for us!

How to Enroll

All team members have access to our online benefits enrollment platform where you can enroll, select, or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.

Helpful Tips To Consider Before You Enroll

Do you plan to enroll an eligible dependent(s)?

  • If so, make sure to have their social security numbers and birthdates available. You cannot enroll your dependent(s) without this information.

Have you recently been married/divorced or had a baby?

  • If so, remember to add or remove any dependent(s) and/or update your beneficiary designation.

Did any of your covered children reach their age limit for this year?

  • If so, they may no longer be eligible for benefits, unless they meet specific criteria

SYSTEM TIPS

1. Turn off pop-up blocker

2. The program works best in Google Chrome

3. Be sure to follow the prompts on each page to continue moving forward

4. Follow all instructions on each page

5. Make sure to save your elections and print your confirmation statement for your own records.

Eligibility & Qualifying Events

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.

QUALIFYING EVENTS

You can, however, modify your elections under certain circumstances, called "Qualifying Events".

Ready to Enroll?

Complete your enrollment form through PlanSource.

When Does My Coverage Start?

  • Certified Staff New Hire: Benefits are effective on your start date

  • Classified Staff New Hire: Benefits are effective the first of the month following your start date

  • Open Enrollment: Benefits are effective based on your open enrollment period

  • Qualifying Event: Benefit changes effective date of event

What is a Qualifying Event?

  • Marriage
  • Divorce
  • Birth/Adoption of a child
  • Death of a spouse or other enrolled dependent
  • Change in spouse’s benefits or employment status
  • A dependent becomes eligible for Medicare or Medicaid

Who are my legal dependents?

  • Your legal spouse
  • Your children (up to age 26) including natural children, stepchildren, legally adopted children, children placed for adoption, children for whom you serve as legal guardian
  • Disabled dependent child(ren) of any age

Open Enrollment (Passive)

Annual enrollment is your opportunity to learn about your benefits, review your current coverage and choose the best options for you and your family. Please review this virtual benefit guide to learn more about our benefits offerings.

This annual enrollment will be a "passive open enrollment", which means if you do not make your benefit elections you will remain in the same plan as your current benefits for this plan year.

Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place unless you notify the Benefits Department within 30 days of your QLE to be eligible to make new elections.

OPEN ENROLLMENT DATES:

Certified Staff: September 1-30 with a 10/1 effective date

Classified Staff (part 1): October 1-31 with a 11/1 effective date

Classified Staff (part 2): February 1-28 with a 3/1 effective date

Premium increases occur in accordance with the fiscal year (7/1). All deductibles reset on the calendar year (1/1)

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Medical & Prescription

Parma City School District offers medical coverage through Medical Mutual.

A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room, and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.

Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept the carriers contract rate as the final charge and the member is not balanced billed.


Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.

Gold - Certified Medical Mutual SBC

Gold - Certified Medical Mutual SBC

Gold - Classified Medical Mutual SBC

Gold - Classified Medical Mutual SBC

Silver - Medical Mutual SBC

Silver - Medical Mutual SBC

Bronze - Medical Mutual SBC

Bronze - Medical Mutual SBC

Prescriptions

TRADITIONAL DRUGS

TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.

TIER 2 | Low copay: This category includes non-preferred and low-cost generic drugs

TIER 3 | Higher copay: This category includes preferred, brand-name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and have a higher copay.

TIER 4 | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.

Helpful Rx Cost Savings Tools & Tips:

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail-order 90-day supply.

GOOD Rx - There are many tools online that you can use to save on prescription costs. One is GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (which will not count towards your maximums).

ASK YOUR DOCTOR – Make sure to ask if there are cost-saving alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

Prescriptions

MMO Resources

My Health Plan: Access your MMO information 24/7.

A secure website specifically for Medical Mutual members, My Health Plan makes it easy and convenient to manage your plan and your health online.

  • Search for In-Network doctors, hospitals, and facilities. For example, a less expensive MRI location
  • View your EOB (Explanation of benefits)
  • View plan documents
  • Members that are located outside of Ohio will utilize the Cigna Network - Please visit the My Health Plan website to find a provider.
  • and so much more!!

MedMutual Mobile App

With the Mobile App, you can get access to vital information when you are away from a computer. You can Track Claims and Spending Information, Estimate Costs, Find a Provider, and Access your ID Card. Download the app on the Apple Store or Google Play.

Chronic Management Program

If you suffer from one of the conditions below, this program may be right for you:

  • Asthma
  • Heart Fairure
  • COPD
  • Diabetes
  • Hypertension

Call (800) 590-2583 to learn more or enroll in the Chronic Management Program.

Medical Extras
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Dental

Dental Benefits through Delta Dental provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

NETWORK: Preferred Dental Program (PDP)

How do I find an In-Network Provider? Use the helpful link below!

  • In-Network providers can also be found by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.

Did You Know?

  • You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

Pre-treatment Estimate

  • If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.

PREVENTION FIRST!

Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.

Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.

Looking for more details about how items are covered? Click on the link below to view the formal plan summary.

Dental Classified Summary

Dental Classified Summary

Dental Admin / Certified Summary

Dental Admin / Certified Summary

Vision

Vision coverage through VSP is administered by Medical Mutual to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations.

Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.

Did You Know?

Eyes can give doctors a clear picture of overall wellness. That’s why vision care and vision benefits can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:

  • Diabetes
  • Heart disease
  • High blood pressure
  • High cholesterol
  • Glaucoma and cataracts

To find out if your provider is in-network, please visit the website below.

VSP Summary - Admin/Exempt and Certified

VSP Summary - Admin/Exempt and Certified

FAQ - Joining the Great Lakes Regional Council of Governments

Q: What is the GLCOG?

A: The Great Lakes Council of Governments (GLCOG) is a group of local school districts that work together to provide medical health benefits. By joining together, districts can use their combined size to purchase benefits more efficiently, manage costs, and reduce financial risk—while still keeping their own benefit plans and decisions. It is a consortium consisting of 11 districts in the area.

Q: What is the benefit of the district joining the GLCOG?

A: Joining the Great Lakes COG reduces the district's cost of insurance by leveraging group purchasing. GLCOG helps Parma City Schools to reduce fixed costs, stabilize long‑term budgeting, and lower financial risk—while keeping employee benefits, carriers, and plan designs unchanged.

Q: How does joining affect my coverages?

A: Joining the GLCOG does not change your insurance coverage—it simply helps the district manage costs and stabilize benefits over time. If you experience any issues with coverage after the transition, please reach out and we will work to get it resolved.

Q: Is there anything I need to do?

A: Your current ID cards will expire June 30th, 2026. Please make sure you use the new ID card after July 1, 2026, as our group number and section numbers will have changed!

Your new cards will arrive in the mail and it is important to note that the ID cards sent out from Medical Mutual will arrive to your address on file in a plain white envelope which are often times mistaken for junk mail. If you did not receive a new ID card, please contact the Medical Mutual customer service line or access your ID card via the MyHealthPlan app.

Well-being Hub

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. We recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support the improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of the team.

To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.

Wellbeing image

Understanding Your Benefits

Annuities

For additional information, please contact the Treasurer's Office or the Benefits Manager, Jillian McCreight

What is a 403(b) Plan?

A tax-deferred plan designed for employees of public schools, colleges, and churches. Your payroll contributions are made on a before-tax basis. Contributions are taxed when withdrawn from the employer-sponsored Plan with the anticipation that when you retire you may be in a lower tax bracket. Generally, an IRS 10% premature distribution penalty tax also applies to distribution from the 403(b) taken prior to age 59 ½. Contributions can be rolled over into an IRA if employment is terminated.

What is a 457 Plan?

A tax-deferred plan designed for employees of state and federal governments and agencies. Distributions start at retirement age but distributions can be withdrawn in case of certain emergencies. Contributions can be rolled over into an IRA if employment is terminated.

Annual Contribution Limits: There is annual contribution limits set by the IRS for both Plans. Tax penalties will apply if you contribute over the IRS limits in a calendar year. Please check with the local representative to find out the limits that apply to you

Transfers: You may only transfer monies from one PCSD approved annuity 403(b) Plan to another PCSD approved annuity 403(b) Plan.

More information: A current list of board approved vendors can be found online at www.planwithease.com

Carrier Contacts

Carrier Contacts

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 to 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, Federal law gives you more choices about your prescription drug coverage.



Client Contacts

JM

Jillian McCreight

mccreightj@parmacityschools.org

+1 440-842-5300