Insurance Benefits

  •  
    Dental Insurance

    District 308 has partnered with Delta Dental to administer the district's dental insurance benefits.  This partnership became effective as of January 1, 2022.
    Group Name: OSWEGO CUSD #308
    Group Number for Delta Dental:  Group Number 11646
    Please reference the following Delta Dental Plan Summary.

    Website: https://www.deltadentalil.com/
    Customer Service: 800-323-1743
    For a Dental Claim Form: Click HERE 
     

    Disability Insurance
     
    Certified Employees
     
    Certified employees participating in the Illinois Teachers Retirement System (TRS) may be eligible for disability benefits if they are unable to come to work due to their own illness or disability.
     
    Non-Certified Employees 
     
    Non-certified employees participating in the Illinois Municipal Retirement Fund (IMRF) may be eligible for disability benefits if they are unable to come to work due to their own illness or disability.
     
    Flexible Spending Account (FSA)
     

    District 308 offers flexible spending accounts, or FSAs through Navia Benefit Solutions which allows employees to receive reimbursement for eligible healthcare and dependent care expenses tax free. By participating in these accounts, employees do not pay federal, state or social security taxes on the money contributed. To learn more, create an account, review your FSA details go Navia Benefit Solutions.

    The healthcare account enables employees to set aside pre-tax dollars to pay for eligible healthcare expenses. An employee can contribute between $100 and $2,700 per benefit year. The benefit year starts January 1 and ends December 31.

    The dependent care account enables employees to set aside pre-tax dollars to pay for eligible dependent care expenses. An employee can contribute between $100 and $5,000 per benefit year ($2,500 if married and filing a separate tax return for the plan year). The benefit year starts Jan. 1 and ends Dec. 31.

    Enrollment into the plan is on an annual basis during the open enrollment (October-November) period. Outside of the open enrollment period, employees can only make changes if a qualifying event is experienced.

    Medical Insurance

    District 308 offers two PPO medical plan options and an HMO medical plan option through BlueCross BlueShield of Illinois. The options are the BCBS PPO plan and the BlueEdge Health Care Account (HCA) PPO plan. Both options are PPOs, but the BlueEdge HCA has a healthcare account to help offset the higher deductible. The BCBS PPO highlight sheet and the BlueEdge HCA PPO highlight sheet provide an overview of each plan. The BlueEdge HCA program guide explains how an HCA plan works and provides information to help employees determine whether the BlueEdge HCA option is the right choice for them.

    Please use the links below for more information about coverage and programs available through BlueCross BlueShield of Illinois:

    Prescription Coverage

     
    Pharmacy prescription drug benefits are paid at 100 percent after a copayment at a participating pharmacy. Copayment amounts are $20, $50, or $70 based on the brand/formulary of the drug. Drugs purchased at a nonparticipating pharmacy are paid at 75 percent after copayment, and the copayments listed are for up to a 34-day supply at a contracting retail pharmacy.

    Mail order prescription drugs are paid at 100 percent after a copayment. Copayment amounts are $20, $60, or $100 based on the brand/formulary of the drug. This benefit provides up to a 90-day supply of maintenance drugs used on a continuous basis for treatment of chronic health conditions. 
     
    Basic Life 

    Term Life insurance benefits are provided by Dearborn National. Benefits are payable in the event of death at any time from any cause, excluding suicide within 2 years of your effective date. Eligible employees are automatically enrolled for group life insurance the first of the month after hire date.

    AD&D

    Accidental Death & Dismemberment (AD&D) Insurance helps pay a lump sum in the event of a covered accident. Specifically, accidents that result in fatality, paralysis, the loss of a limb, eyesight, hearing, speech and more. . Eligible employees are automatically enrolled for group life insurance the first of the month after hire date.

    LTD

    The district offers a Long-Term Disability (LTD) Plan, a monthly income replacement benefit if you become disabled and are unable to work. Benefits begin to accrue after you complete a six-month Waiting Period and are payable for the duration of a qualified disability.

    Vision Coverage

    CUSD 308 offers employee vision coverage through VSP.

    No cards are needed to access this benefit. Simply notify your Vision service provider that you have VSP Vision coverage. If your provider is a VSP Network provider, they can confirm your coverage and bill VSP directly. If your provider is not in the VSP Network, you will need to pay at the point of service and submit a claim for reimbursement.

    To create and register an account, find a network provider, review your benefits information and register at https://www.vsp.com/

    Client ID: 30106749
    Employee Insured ID: Employee Name and Social Security Number
    https://www.vsp.com/

    1.800.877.7195

    NOTE: If you've received eye care services from an out-of-network provider, you may need to submit a claim to request reimbursement at: https://www.vsp.com/claims/submit-oon-claim


    VSP Benefits Summary

    $50 Enhanced Featured Frame Allowance

     

Last Modified on June 15, 2022