Benefits

Open Enrollment Dates: July 5, 2022 – July 15, 2022

Effective Dates: September 1, 2022 – August 31, 2023

Packets will be mailed out the last week of June, 2022

  **If you have not received yours please contact Gina Stopka at 406-924-2023 or gstopka@bsd44.org to request another one and verify mailing address.

This is the only time of year you can add or remove coverage, dependents or waive health (Medical/Dental/Vision) insurance without needing a Qualifying Event.

Please plan your coverage accordingly for the entire plan year – this is your responsibility.

Health, Dental, and Vision

Montana Unified School Trust (MUST) Insurance Company – Online Enrollment – No need for a paper form – Online

• MUST Open Enrollment Flyer and instructions.
• MUST Details, Rate sheets, Waiver Form, Summaries, can be found on a tab below.

Please note that ALL plans and rates have changed

• Eligible members Can  login to the MUST website to enroll (see MUST Open Enrollment Flyer Above)
• Plans from the previous year will rollover if you do nothing- New rates will be reflected from first paycheck

Flex (FSA) Open Enrollment – American Fidelity

• July 5, 2022 – July 15, 2022
• Please make an appointment with an American Fidelity representative (Virtual or in Person) to sign up for FSA
  • This includes Health Related Expenses and Dependent Care Expenses

Health Savings Account (HSA) – American Fidelity

• Please make an appointment with an American Fidelity representative (Virtual or in Person) to sign up for an HAS
• If you currently have an HSA with Stockman or First Security you can transfer your fund from the bank to an American Fidelity account. Please schedule a meeting with an American Fidelity representative.
• HSA Payroll Deduction Authorization Form (ONLY use this form if you are not transferring your funds from First Security or Stockman Bank)
• HSA Qualified Medical Expenses

Principal Life Insurance

• Update Beneficiaries, Increase or decrease Voluntary life amounts for you, a spouse or children, other important forms can be found on a tab below. 

Classified Benefits 

All classified employees who work 6 hours or more during their scheduled shift, 180 days during the year or 4 or more hours year-round are eligible for health insurance with 100% District Contribution.

All classified employees who work 6 hours or more during their scheduled shift, 180 days during the year or 4 or more hours year-round are eligible for the District Paid $25,000 Life Insurance Policy and also have the opportunity to purchase additional Voluntary Life Insurance. MUST Medical enrollment also enrolls employees into an additional $10,000 in Life insurance.

Bus Drivers hired before the 2015-2016 School Year who are currently on District Health and/or Life Insurance are grandfathered in and will continue to receive the benefits they received upon hire.

Certified Benefits

Certified employees who work 0.5 FTE or more are eligible for health insurance with 100% District Contribution.

Certified employees who work 0.5 FTE qualify for the District Paid $25,000 Life Insurance Policy and also have the opportunity to purchase additional Voluntary Life Insurance. MUST Medical enrollment also enrolls employees into an additional $10,000 in Life insurance.

Substitutes

Substitutes are excluded from benefits per the Certified Bargaining Agreement - 1.2.2, however, Long-Term substitute teachers will be eligible for Health Insurance Benefits according to the Affordable Care Act standards.

Flex (FSA - Flexible Spending Accounts) will not rollover year-to-year- it is a yearly election.  It is also a Use It or Lose It account.

• American Fidelity will be administering our FSA accounts starting September 1, 2022
• Please make an appointment with an American Fidelity Representative to sign up during Open Enrollment (July 5-July 15, 2022)
• Make an appointment  (Virtual or In-Person) 

Health Savings Accounts (HSA)

American Fidelity will be taking over our HSA’s this year.

Please make an appointment with an American Fidelity representative to enroll.

If you currently have an HSA with Stockman or First Security you CAN transfer your funds to an American Fidelity account.  An American Fidelity representative will assist you with the transfer.

• Make an appointment (Virtual or In-Person) 

If you currently have an HSA with Stockman or First Security you can opt to stay with your bank. You will need to fill out a NEW Payroll Deduction Authorization and return it to Gina Stopka in the Benefits Office at the Administration Building.

Payroll Authorization deductions have a deadline of August 30, 2021 to be into the Benefits office to take effect on your September check.

HSA Payroll Deduction Authorization

HSA Qualified Medical Expenses 

2022-2023 Insurance information

• $1500 Plan Summary
  • $1500 Detailed Summary of Benefits
• $3500 Plan Summary
  • $3500 Detailed Summary of Benefits
• $6000 Plan Summary
  • $6000 Detailed Summary of Benefits
• All Plan Summary (Health, Dental, Vision Pharmacy)
• 12 Month Employee Rates
• 9 Month Employee Rates

2020-2021 Insurance information

• PacificSource Enrollment form
• $1500 Deductible Plan Summary
• $3500 Deductible Plan Summary
• $6500 Deductible Plan Summary
• $8150 Deductible Plan Summary
• Dental/Orthodontics Summary
• Vision Summary
• 12 Month Employee Rates
• 9 Month Employee Rates
• PacificSource Find a Provider
• Preventive Drug List

2019-2020 Insurance information

• $1250 Deductible Plan Summary
• $3000 Deductible Plan Summary
• $6000 Deductible Plan Summary
• $7900 Deductible Plan Summary
• Dental/Orthodontics Summary
• Vision Summary
• 12 Month Employee Rates
• 9 Month Employee Rates

• Principal Life Enrollment Application and Waiver
• Principal Life Statement of Health
• Basic Life Insurance Benefit Summary – Classified and Certified
• Long Term Disability Benefit Summary
• Voluntary Term Life Benefit Summary
• Voluntary Term Life Rates
• Beneficiary Designation/Change Form
• Open Enrollment Guidelines for Increasing or Adding Coverage
• Employer Assistance Program
• Travel Assist

 

Belgrade School District has selected American Fidelity as our new benefits enrollment provider.  During open enrollment, American Fidelity’s account managers will be meeting with all benefit eligible employees. Understanding how your benefits work is very important. Your account manager will educate and enroll you in your medical, dental, and vision insurance. They will also help walk you through all available supplemental options, answer questions, and help you build a package that’s perfect for you.

Visit the American Fidelity Benefits Website  to schedule an appointment learn more about the benefits offered at Belgrade School District.  

American Fidelity Supplemental Benefits Include:

• Flexible Spending Accounts
  • Healthcare FSA Support
  • Dependent Care Accounts
• Accident Insurance
• Cancer Insurance
• Critical Illness Insurance
• Supplemental Disability Insurance
• Hospital Indemnity Insurance
• Life Insurance
  • Term Life Insurance
  • Whole Life Insurance
• 403b Retirement Savings
• Health Savings Account