Overview of Benefits

Pre-Tax Benefits

Health Insurance: The Local Choice – Anthem Health

Dental Insurance: The Local Choice – Delta Dental of VA

Vision Insurance: The Local Choice – 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)

Brunswick County Public Schools will contribute $250 annually to the employee’s HSA.

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $3,200/year
– Dependent Care Reimbursement Maximum: $5,000/year
– Limited Purpose Reimbursement Maximum: $3,200/year
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE September 30, 2024.

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

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 30 hours or more per week and/or be a contracted employee.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for The Local Choice—Anthem Health, Delta Dental, Blue View Vision—Ameriflex Health Savings Accounts, Ameriflex Spending Accounts, and Colonial Insurance products lasts 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— will begin September 2024. Deductions for Ameriflex Health Savings Accounts, Ameriflex Spending Accounts, and Colonial Insurance Products will begin October 2024.

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

– How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the Plan Year to be eligible for reimbursement. Failure to use all allotted funds in the FSA account by the deadline will result in a “Use It or Lose It” scenario. After the plan year ends or the employee’s termination date, they have 2 months to submit claims for incurred spending account expenses. If employment is terminated before the plan year ends, the flexible spending account(s) also ends, and any unused funds are forfeited. Additionally, for a married couple, if one spouse contributes to an HSA, the other cannot enroll in a Medical Reimbursement FSA simultaneously.

– 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. Please speak with your Plan Administrator for more information.

– 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.