Woodland Park School District

Table of Content

  1. Header
  2. Welcome
    1. Open Enrollment
  3. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
    3. EASE
  4. Medical & Rx
    1. Kaiser
    2. Rx Information
  5. Supplemental Health Plans
  6. Employee Spending Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  7. Dental
  8. Vision
  9. Life / AD&D / LTD
  10. Value Added Programs
  11. Value Added Programs
    1. Employee Assistance Program (EAP)
    2. Travel Assistance
    3. Life Services Toolkit
  12. Additional Educational Videos
  13. Have Questions?
  14. Footer

Welcome

Woodland Park School District is pleased to provide a selection of benefits designed with your health and financial well-being in mind. We review our benefit programs annually to ensure the best combination of benefit coverage, network access, and affordability for our employees.


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

This year's Open Enrollment is May 1st - May 15th. 

During the annual open enrollment period, you may make changes to your benefit plan elections and/or the family members you cover. Changes can only be made outside of the annual enrollment period if you experience a qualified event that permits changes in your plan election. So now is the time to carefully review your plan options.

 The benefit plan year is from July 1, 2024 - June 30, 2025. 

Employees will enroll or waive coverage via EASE. 

Eligibility & Enrollment

All regular positions with a cumulative Full-Time Equivalent (FTE) of 0.5 or greater are eligible for benefits, including medical, dental, vision, flexible spending accounts, ltd, and voluntary coverages. Basic Life/AD&D is offered to Full-Time employees working at least 30 hours per week.

To obtain benefits you must satisfy the following:

  • Full-Time (FT): Positions with an FTE of 0.75 or greater (30 hours or more per week) will pay a medical insurance premium with a greater District contribution. 

  • Part-Time (PT): Positions with an FTE between .5 (18.75 hours per week) and 0.74 (less than 30 hours per week) will pay a medical insurance premium with a lesser District contribution. 

  • Ineligible: Positions with an FTE of less than 0.5 (less than 18.75 hours per week), along with coaching and substitute positions, are not eligible for benefits except for PERA and the Employee Assistance Program (EAP). 

Eligible Dependents:

  • Legally married spouse
  • Children until they turn 26 regardless of student, marital, or employment status. This includes natural children, stepchildren, adopted (or placed for adoption), and children for whom you are legal guardian.

New Hires:

Eligible employees are able to participate in the Woodland Park School Distrcit benefit plans on the 1st day of the month following 30-days of full-time employment. You will receive benefit enrollment instructions with your new hire paperwork and will have 30-days to make your selections.

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 Employees will enroll or waive coverage via EASE.

The plan year is from July 1, 2024 through June 30, 2025.

Open Enrollment is the only time you may add or change benefits during the year unless you have a qualifying life event. Qualifying life events 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 must notify Human Resources within 30 days of a qualified event to obtain approval for any benefit changes mid-year.

Examples of a Qualifying Event

  • You get married, divorced, or legally separated
  • You add a child through birth, adoption, or change in legal custody
  • Covered dependents reach eligibility age maximum
  • Change in your spouse's employment status resulting in gain or loss of coverage
  • Your spouse or child(ren) lose eligibility for coverage
  • Spouse or dependent's open enrollment period
  • Death of spouse or dependent

The following events allow you a 60-day special enrollment period to complete and submit a change request to update your benefits outside the open enrollment period:

  • You, your spouse or child loses coverage under either a Medicaid plan under Title XIX or under a state child health plan (CHIP) under Title XXI of the Social Security Act due to a loss of eligibility for that program’s coverage
  • You, your spouse, or child becomes eligible for premium assistance with respect to the cost of coverage under our group health plan through either a Medicaid plan under Title XIX or under a state child health plan (CHIP) under Title XXI of the Social Security Act (see enclosed disclosure)

Please reach out to Human Resources if you have any questions about qualifying events.

What is a Qualifying Event?

What is a Qualifying Event?

All benefits-eligible employees must log onto EASE to update dependent information and submit elections or waivers for the 2024 – 2025 plan year.

Benefit elections for the following coverages will roll over to what the employee elected for the 2023 – 2024 plan year: medical, dental, vision, voluntary life / AD&D, accident, and critical illness. 

Pre-tax benefits, FSA and HSA, will not roll over to the new plan year and require the employee to elect their pre-tax election. 

Instructions for EASE

  1. Log in to EaseCentral per instructions you will receive via email
  2. Select “Start Enrollment” on your dashboard to begin enrollment
  3. Enter your personal information and any eligible dependents
    1. Both personal and work phone are required; if you don’t have a work phone, re-enter your personal phone number or enter all zeros: 000-000-0000
  4. Make your plan benefit selections
  5. Setup your beneficiary for the life insurance and HSA (if applicable)
  6. Review your benefit elections and make changes as needed or click 'Continue’ to complete the enrollment and sign the forms.

To access EASE visit online at https://wpsdk12.ease.com

Medical & Rx

At Woodland Park School District, Kaiser is your medical insurance carrier who provides access to in-network providers and services. The District offers multiple plan options with Kaiser so you can select the coverage level best suited for you and your family. 

We encourage you to review the Benefits Guide, Kaiser Digideck presentation, plan summaries, and flyers to gain a comprehensive understanding of your healthcare options and resources available to you. Please be aware of an important aspect of your healthcare plan: When diagnostic lab services are conducted in the outpatient department of a hospital, a coinsurance charge of 30% will apply, which is outlined in the plan summary. To assist individuals with estimating the costs to pay for common medical services, please visit kp.org/costestimates. This site will provide you an estimate for medical services by type and location while also including information based on your plan benefits such as if you’ve reached your deductible.

Get started! Register on kp.org

Registering online with Kaiser you can:

  • Email your doctor
  • Refill prescriptions
  • Make or cancel appointments
  • Chat with a doctor, pharmacist, or financial counselor
  • Get lab results

To visit the Kaiser microsite for Woodland Park please visit https://choose.kp.org/woodlandparkschooldistrict

Kaiser - DHMO 2000 SBC

Kaiser - DHMO 2000 SBC

Kaiser - DHMO 1000 SBC

Kaiser - DHMO 1000 SBC

Kaiser - HDHP 4000 SBC

Kaiser - HDHP 4000 SBC

Kaiser - Understanding Your Costs

Kaiser - Understanding Your Costs

Kaiser - Financial Assistance Services

Kaiser - Financial Assistance Services

Kaiser - Financial Assistance Services (Spanish)

Kaiser - Financial Assistance Services (Spanish)

Health Maintenance Organization (HMO)

Health Maintenance Organization (HMO)

High Deductible Health Plan (HDHP)

High Deductible Health Plan (HDHP)

Supplemental Health Plans

Accident

 The Standard helps with expenses health insurance doesn’t cover. The Accident plan provides a financial benefit for accidental injuries that help offset the out-of-pocket costs, for unexpected medical expenses, such as emergency room fees, deductibles and copayments, or covering the cost for any other financial needs that can result from a fracture, dislocation or other covered accidental injury.

Critical Illness

 The Standard Critical Illness plan provides a financial lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness, which can often be expensive and lengthy.

(NEW) Hospital Indemnity

 A trip to the hospital can be costly – and many employees aren’t prepared for the out-of-pocket expenses that come with a hospital stay, even with medical coverage. The Standard Hospital Indemnity plan pays cash benefits to employees in the event of a hospitalization, regardless of treatment costs or other insurance coverage. It's an affordable way for employees to keep their finances on track.

IMPORTANT: This is a fixed indemnity policy, NOT health insurance This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. 

You’re still responsible for paying the cost of your care.

  • The payment you get isn’t based on the size of your medical bill
  • There might be a limit on how much this policy will pay each year.
  • This policy isn’t a substitute for comprehensive health insurance.
  • Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

  • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Questions about this policy?

  • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
  • If you have this policy through your job, or a family member’s job, contact the employer.

For Accident, Critical Illness, Hospital Indemnity Insurance: These benefits are under limited benefit insurance policies. These policies are a supplement to health insurance and are not a substitute for major medical coverage. They are not intended to satisfy the individual mandate of the Affordable Care Act (ACA) or provide the minimum essential coverage required by the ACA. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes. 

The Standard - Enrollment Booklet

The Standard - Enrollment Booklet

Hospital Indemnity Summary

Hospital Indemnity Summary

Accident Insurance Summary

Accident Insurance Summary

Critical Illness Summary

Critical Illness Summary

Accident Insurance Video

Accident Insurance Video

Critical Illness Video

Critical Illness Video

Hospital Indemnity Video

Hospital Indemnity Video

Employee Spending Accounts

As a District employee, you have the opportunity to contribute to a variety of spending accounts on a pre-tax basis which lowers your taxable income. The spending account available to you is based upon the type of medical coverage you are enrolled in.






Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money. To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP). The IRS requires an individual to annually elect the amount of money to be set aside pre-tax with the District. Current 2024 figures can’t be rolled over for the 2025 plan year and anyone wanting to elect HSA contributions above what the District provides, must elect this coverage via the EASE portal during open enrollment.

What is a Health Savings Account (HSA)?

A qualified high deductible health plan with a Health Savings Account is an alternative to traditional health insurance plans. The HSA is a savings product that offers a different way for consumers to pay for their healthcare costs. HSAs enable you to pay for current qualified expenses and save for future medical and retiree health expenses on a tax-free basis.

 The total annual contribution in 2024:

  • $4,150 for individuals with self-only HDHP coverage
  • $8,300 for individuals + dependent(s) HDHP coverage
  • $1,000 additional "catch-up" contribution (ages 55 or older)

If you elect to participate in the Qualified High Deductible Health Plan (QHDHP), the District will make a HSA contribution on your behalf every month. The employee and employer contributions cannot exceed the total 2024 annual IRS maximums. Check your Benefits Guide for the employer contributions.

 

What can you do with your HSA?

  • Pay qualified health care expenses. Use the Rocky Mountain Reserve debit card or submit claims to https://www.rockymountainreserve.com/ to pay for qualified health care expenses.
  • You can use your debit card, request a check by phone or online, or transfer funds online.
  • Save money for future medical expenses: You may not have significant health care expenses every year, but saving the maximum amount every year helps you build a sizeable savings for when you are faced with larger medical expenses.
  • Save for post-retirement expenses: Once you reach age 65, you can use your HSA funds to pay for anything you wish. Qualified medical expenses are still not taxed; any other expenses are subject to tax but not penalties.
  •  Tax Savings: When used for qualified medical expenses, HSAs offer a triple tax savings – contributions, any investment earnings, and distributions are federal tax free.
HSA Overview

HSA Overview

RMR HSA Guide

RMR HSA Guide

A Flexible Spending Account (FSA) allows you to pay for your portion of unreimbursed healthcare expenses and dependent or childcare services with pre-tax dollars. With an FSA, contributions are deducted from your paycheck before state and federal taxes. The IRS requires an individual to annually elect the amount of money to be set aside pre-tax with the District’s FSA plan. Current 2024 figures can’t be rolled over for the 2025 plan year and anyone wanting to make FSA contributions must complete a new paper enrollment form during open enrollment. This form can be obtained from HR.”

Flexible Spending Accounts:

Health Care FSA (HCFSA; includes dental and vision): Each year, you may set aside pre-tax dollars to pay for qualifying out-of-pocket medical, dental, vision, and some over-the-counter expenses. 

  • Maximum Annual Contribution: $3,200

Dependent Care FSA (DCFSA): Each year, you may set aside pre-tax dollars to pay for eligible dependent care expenses. This may include childcare, elder care, or other eligible dependent care. Funds are available for reimbursement only as they are deducted from your paycheck.

  • Maximum Annual Contribution: $5,000 (or $2,500 if married and filing individually)

FSA Facts You Should Know:

  • Participation is voluntary.
  • Participation in the plan simply allows you to pay for qualified expenses with pre-tax dollars.
  • Thanks to health care reform legislation, over-the-counter medicine and drugs do not require a prescription to be eligible for reimbursement under the FSA plan. Additional information regarding eligible expenses is available via IRS Publication 502.
  • Flexible Spending Accounts are subject to the “use it or lose it” rule, although you are allowed to carry over up to $640 of unused funds into the next benefit plan year.
  • Participants should carefully monitor their healthcare spending throughout the year to avoid any unused balance being forfeited.

Flexible Spending Account (FSA)

Flexible Spending Account (FSA)

Dependent Care FSA

Dependent Care FSA

RMR FSA Guide

RMR FSA Guide

RMR Dependent Care Guide

RMR Dependent Care Guide

Dental

The District provides employees and their families a dental PPO plan through Delta Dental. This plan offers access to in-network and out-of-network providers and benefits; however, to receive the maximum benefits from the plan, we recommend members should consider using Delta’s participating network providers, PPO or Premier.

PPO providers provide the highest level of network discounts to a member which enables an individual to have your annual maximum dental benefit cover more services during the year. If you are unable to find a PPO provider, please consider the Premier network as these dentists don’t have as high of a network discount but provide their services at a discount compared to a provider who doesn’t participate in either network. To find a participating Delta Dental dentist go to www.deltadentalco.com

Your dentist can spot the early signs of some systemic diseases and can help you avoid painful and costly dental procedures in the future. We encourage you to make dental care a priority, especially since an annual preventive care visit is not subject to the annual deductible.

For the 2025 plan year, there will be new individual member ID numbers associated with Delta Dental’s plan. New ID cards will not be mailed with the new group number and members can either call or log into Delta Dental’s website if you prefer to print an ID card. This information is also available via their mobile app.

Delta Dental - Plan Summary

Delta Dental - Plan Summary

Delta Dental - Additional Information

Delta Dental - Additional Information

Dental Insurance - Educational Video

Dental Insurance - Educational Video

Vision


Woodland Park School District offers employees access to vision coverage through the DeltaVision plan. Delta Dental of Colorado and VSP Vision Care are partnering together to provide individuals with coverage for eye exams, prescription glasses and contact lenses. The new VSP provider network will be the VSP Choice network and to find an in-network provider, go to https://www.vsp.com/ 


As part of this new partnership between Delta Dental and VSP, members will have access to the KidsCare program for enrolled children on the vision plan. This coverage provides enhanced services and access to materials for kids up to age 26. Individuals getting frames this year will also realize a higher frame allowance of $150.




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DeltaVision - 150 Plan

DeltaVision - 150 Plan

Vision Insurance - Educational Video

Vision Insurance - Educational Video

Life / AD&D / LTD

Basic Life / AD&D

Woodland Park School District pays for a Basic Life / AD&D (accidental death & dismemberment) insurance benefit of $50,000 to our FTE working at least 30 hours per week. We encourage individuals to review the beneficiary designated for these benefits when completing your enrollments on EASE. 

Employees have the option to enroll in basic dependent life insurance for a $5,000 spousal benefit, and $1,000 child(ren) benefit. Employees are responsible for paying the dependent coverage if elected. Please review the Benefit Guide for per pay period cost.

Voluntary Life / AD&D

Employees also have the ability to purchase a term life insurance policy for themselves, their spouse, and children. Please review the Additional Life ADD benefit summary below for more information.

Long-Term Disability

Woodland Park School District cares about protecting lost income for a family when an employee is unable to perform the duties of their job / occupation. To assist its employees during a time when they’re unable to work, the District provides a Long-Term Disability benefit to employee working at least 18.75 hours per week. With the Long-Term Disability benefit, in the event you are disabled for a period of more than 90 days, you can receive a percentage of your pre-disability earnings. This will help to cover your expenses while you are unable to work. This benefit is available for up to two (2) years for an employee unable to perform the duties of their own job/ occupation.



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The Standard - Enrollment Booklet

The Standard - Enrollment Booklet

Life and AD&D Video

Life and AD&D Video

Long Term Disability Video

Long Term Disability Video

Additional Life ADD Benefit Summary

Additional Life ADD Benefit Summary

Basic Life ADD Benefit Summary

Basic Life ADD Benefit Summary

Long Term Disability Benefit Summary

Long Term Disability Benefit Summary

Value Added Programs

There are times in life when you might need help figuring out what to do. Take advantage of the Employee Assistance Program (EAP), which is available to you and your family. 

Reach out to master’s level counselors 24/7 through the app, phone, online, live chat, or email for help with the following:

  • Depression, grief, loss and emotional well-being
  • Family, marital and other relationship issues
  • Life improvement and goal-setting
  • Addictions such as alcohol and drug abuse
  • Stress or anxiety with work or family
  • Financial and legal concerns
  • Identity theft and fraud resolution
  • Online will preparation and other legal documents

Contact EAP

888.293.6948

(TTY Services: 711)

24 hours a day, 7 days a week

Click on the button below for more information online.

With EAP, personal assistance is immediate, confidential and available when you need it.

Emergencies happen, but help is now only a phone call away. When you are traveling 100 miles or more away from home on trips of 180 days or less, you have access to travel medical, personal and assistance services with your group insurance coverage from The Standard. Your spouse and your children age 25 and younger also have access.


With a local presence in 200 countries and territories worldwide and 24/7 assistance centers staffed with multilingual assistance coordinators and case managers as well as medical and security staff, Assist America, Inc., is here to help you obtain the care and attention you need in case of an emergency while traveling.


In the event of a life-threatening emergency, call the local authorities first to receive immediate assistance, and then contact Assist America.


Contact Travel Assistance


800.872.1414

United States, Canada, Puerto Rico, US Virgin Islands, and Bermuda


+1.609.986.1234

Everywhere Else


+1.609.334.0807

Text Message


medservices@assistamerica.com

Email


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The Life Services Toolkit is automatically available to those insured under a group Life insurance policy from The Standard. Visit the website at standard.com/mytoolkit and enter username “assurance” for information and tools to help you make important life decisions.

 Services to Help You Now

  • Estate planning assistance
  • Financial planning
  • Health and wellness
  • Identity theft protection
  • Funeral arrangements 

 Services for Your Beneficiary 

Life insurance beneficiaries can access services for 12 months after the beneficiary receives the Life claim letter from The Standard. Recipients of an Accelerated Death Benefit can access services for 12 months after the date of payment. 

  • Grief support
  • Legal services
  • Financial assistance
  • Support services
  • Online resources

For beneficiary services, visit standard.com/mytoolkit (username: support) or call 800-378-5742.

 

Additional Educational Videos

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 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.

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Insurance services provided through NFP Insurance Services, Inc. (NFPISI), a subsidiary of NFP Corp (NFP). NFP and its subsidiaries do not provide tax or legal advice. This material was created to provide a summary of the subjects covered, but should not be regarded as a complete analysis of these subjects. The services of an appropriate professional should be sought regarding your individual situation.
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