Benefits

Open Enrollment Dates: July 17, 2023 – July 31,2023

Schedule appointment here

Effective Dates: September 1, 2023 – August 31, 2024

If you have any questions about the open enrollment process, please email benefits@bsd44.org.

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

Please plan your coverage accordingly for the entire plan year.

HEALTH, DENTAL, AND VISION

Montana Unified School Trust (MUST) Insurance Company – Online Enrollment and Waivers Only (no paper forms) 

• Employee Web Portal access instructions HERE.
• MUST Details – Rate sheets (9 month, 12 month), Benefit Summary
• Enrollment turned in after 11:59pm on July 31, 2023 will NOT be accepted.

Health Savings Account (HSA) – American Fidelity

• You must submit a new deduction authorization every 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 from the bank to an American Fidelity account- Please schedule a meeting with an American Fidelity representative.
• 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 HSA Payroll Deduction Authorization Form and return it to Ruth Hardesty in the Benefits Office at the Administration building.
• HSA Payroll Deduction Authorization Form
• HSA Qualified Medical Expenses
• Payroll authorization deductions have a deadline of August 30, 2023 into the Benefits office to take effect on your September check.

Principal Life Insurance

• Update Beneficiaries, increase or decrease Voluntary life amounts for you, a spouse, or children, other important forms can be found here. This will take you to the BSD benefits website. Scroll down and click on the Principal Life Insurance tab.

2023-2024 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
• 12 Month Employee Rates
• 9 Month Employee Rates

Delta Dental is the provider for dental insurance. There are two options available for eligible employees. 

Delta Dental Basic Plan

Delta Dental Enhanced Plan

 

VSP is the provider for vision insurance.

VSP vision plan

Belgrade School District offers an Employee Assistance Program at no charge for benefits eligible employees. This includes 3 counseling session per year, a digital emotional wellbeing program, LifeMart discount center, work-life web services, financial wellness, legal services, and identity theft resolution,

• Sign Up Online
• New Members click "Sign Up"
• Type in "Principal Core" as the organization
• Set up account
• Enter your information
• Utilize all the services! 100% confidential
• Toll-free: 800-450-1327, 24/7 availability for all matters (login help, employee assistance, etc.)

Download/Print Copy

 

• 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
• 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

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