INTRODUCTION
Understanding Your Plan Options
When the School District of Clayton reviews our employee benefits options, we focus not only on providing quality medical plans but also on controlling the cost and financial risk for employees. We are proud to offer a broad benefits package to eligible, full - time employees. The complete benefits package is briefly summarized in this booklet. T he School District of Clayton provides some benefits at no premium cost to you. Based upon your benefit selections, you may share the premium cost. In addition, there are voluntary benefits with reasonable group rates that you can purchase through the School District of Clayton with payroll deductions.
Benefits Offered
◼ Three medical plans administered by Anthem: a Base Plan, Buy - Up Plan, and a Qualified High Deductible Health Plan (QHDHP). If you select the QHDHP, the District contributes $125 per month from the allotment into your Health Savings Ac- count. ◼ Each medical plan offers a choice of either a Blue Access Choice full network which includes the BJC provider network or the Blue Preferred Select narrow network which does not include the BJC provider network. The District offers several plans at no premium cost to the employee. Additionally, the District subsidizes the spouse/dependent premiums of medical plans.
◼ Two dental plans - one is offered through Guardian Dental PPO and the other through Cigna DHMO.
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Vision plan through EyeMed.
◼ Basic Life / AD&D and Supplemental Life / AD&D offered through Equitable.
◼ Long - Term Disability offered through Equitable.
◼ Worksite products to include Critical Illness, Accident and Universal Life with Long - Term Care offered through Trustmark.
◼ The District provides eligible employees an allotment to help pay for the employee premium for medical, dental and vision plans. The 202 4 total allotment is $84 8.54 per month per eligible employee ($800 medical, $41.72 dental, $6.82 vision).
◼ The District offers an $1,800 stipend to any employee who elects to waive medical coverage. The stipend is divided equally over the course of the plan year on each pay date. You must be eligible for the medical insurance and prove you are covered elsewhere. A signed waiver is required and the stipend is paid as taxable income.
What ’ s Inside? This brochure provides an overview of your benefit options. If you have any questions after you enroll, please call the carriers directly or log on to their websites.
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