October 22, 2019

Insurance and Benefits

The School District’s Health Insurance open enrollment period for the 2020 year will begin on
October 21, 2019. The information below covers what open enrollment is and what you may do
during this time. Please review the information carefully.

Reasons for Open enrollment

The Patient Protection and Affordable Care Act require employers to establish specific open
enrollment periods for their employees so that required documents can be provided to the
employees at the beginning of the set period.

What Open Enrollment Means

Health and Dental

During the open enrollment period, you and/or your eligible dependent(s) have the
opportunity to enroll for medical and dental coverage or make changes to your existing
coverage. If you are currently enrolled in our health and dental, and do not wish to make
any changes to your existing coverage, no action is required on your part. Please
remember that premium rates for VEHI plans change on July 1 st annually.

Flexible Spending (FSA), Dependent Care (DCA)

During the open enrollment period, you and/or your eligible dependent(s) have the
opportunity to elect to participate in a FSA and/or a DCA. These elections must occur
annually and action is required on your part to elect these benefits for the next Plan Year.

Lincoln Life

Lincoln Life is offering an open enrollment for purchasing additional life insurance. Flyers
will be available in your school’s front office if you are interested.

Enrollment Dates

The open enrollment period will be October 21, 2019 through November 6, 2019, and any
changes made during open enrollment will be effective on January 1, 2020.

Actions You May Take

During open enrollment, you will have the ability to take the following actions:

  • Enroll (if not currently enrolled but eligible),
  • Add/Remove dependents (with proper documentation),
  • Change plans when available, or
  • Opt out of a plan.

Qualifying Life Events

Once the enrollment deadline is past, your choices are binding until the next open enrollment
period. Mid-year cancellation is not permitted. The only exceptions allowed are if you
experience a qualifying life event. Completed enrollment forms and documentation of
qualifying life events will be required within 31 days of the event. A list of possible qualifying
life events and supporting documentation include:

  • Marriage
    • Documentation – Copy of a certified marriage certificate
  • Divorce
    • Documentation – Copy of divorce decree.
  • Newly Eligible Dependents (Up to Age 26)
    • Disabled dependents over age 26 may be eligible for insurance.
  • Loss of Coverage for a Spouse
    • Documentation – Letter from spouse’s insurance provider stating you and any
      dependent(s) are no longer covered by their insurance plan.

Next Steps

Review the necessary documents and send enrollment forms to me by November 6, 2019. If you have questions or concerns regarding open enrollment or your insurance, please contact
Linda Nash at nashl@hartfordschools.net.