Overview of Benefits

Pre-Tax Benefits

Health Insurance: The Local Choice (Anthem Health, Delta Dental of VA, Blue View Vision)

Health Savings Accounts: Ameriflex
– Employee Maximum $4,150/year
– Family Maximum $8,300/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP) Page County Public Schools will contribute $1,200 annually to the employee’s HSA.

Dental Insurance: Delta Dental of VA (Stand-Alone Policy)

Vision Insurance: Superior Vision (Stand-Alone Policy)

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

Additional Benefits

Student Loan Assistance Program: GradFin

Please note your insurance products will remain in effect unless you speak with a representative to change them.

Enrollment Period: August 1, 2024 – August 15, 2024

Effective Dates: October 1, 2024 – September 30, 2025

ELIGIBILITY:

– Employees must work 20 hours or more per week to be benefit eligible.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for The Local Choice—Anthem Health, Delta Dental, Blue View Vision—Ameriflex Health Savings Account, Delta Dental (Stand-Alone Policy), Superior Vision (Stand-Alone Policy), and Colonial Insurance Products runs from October 1, 2024, through September 30, 2025.

– When do my deductions start? Deductions for The Local Choice—Anthem Health, Delta Dental, Blue View Vision—Delta Dental (Stand-Alone Policy) and Superior Vision (Stand-Alone Policy) start in September 2024 for enrolled employees. Deductions for Ameriflex Health Savings Accounts and Colonial Insurance Products start in October 2024 for enrolled employees.

– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until October 31, 2024.

– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.

– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. It’s important to note that any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario.

– When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.

– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.

– What is the difference between pre and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.

– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (Mid-Year Events), as defined by the Internal Revenue Code. Once a Mid-Year Event has occurred, an employee has 30 days to notify PGB’s VA Service Center at 1-800-387-5955 to request a change in elections. Examples of a Mid-Year Event can be found here.

– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.