March 1, 2024

Human Resources

HSD OPEN ENROLLMENT NOTICE
October 25, 2023 – November 10, 2023

Dear HSD,

The School District’s Health Insurance open enrollment period for the 2024 calendar year begins today, October 25, 2023.  This e-mail is the first step of a three-part process.  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 requires 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 Plans:

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/or coverage, and do not wish to make any changes to your existing coverage, no action is required on your part and the new contribution rates will automatically be reflected in your December 8, 2023 pay.  Please remember that premium rates for VEHI plans change on July 1st annually. 

Flexible Spending (FSA), Dependent Care (DCA) and Health Saving Accounts Benefits:

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

Enrollment Dates:

The open enrollment period will be October 25, 2023 through November 10, 2023, and any changes made during open enrollment will be effective on January 1, 2024

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 plus one of the following: a federal tax return, mortgage statement, bank statement, utility bill, rental or lease agreement with the employee’s and spouse’s names. 

  • Divorce
    • Documentation – Copy of divorce decree.

  • Newly Eligible Dependents (Up to Age 26)
    • Documentation – Birth certificate or adoption certificate.
    • 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: (all forms due November 10, 2023)

  1. Health Insurance
    • You only need to complete this enrollment form if you would like to enroll or change plans. If you do not complete this form, no changes will be made to your existing health plan. 
    • We have four plans to choose from.
    • Please note: there is a new premium rate for full year support staff beginning on January 1, 2024.  Your portion of the premium increases to 16% per the Statewide Benefits Negotiated Agreement.
    • Reminder: The district pays the first portion of your out of pocket costs with an HRA for the Platinum, Gold and Gold CDHP plans.  There is an HSA for the Silver CDHP plan. 
    • A Domestic Partnership Statement is necessary if you would like to enroll a partner.

  2. Dental Insurance
    • You only need to complete this enrollment form if you would like to enroll or change your plan. If you do not complete this form, no changes will be made to your existing dental plan. 
    • We only offer one dental plan. 

  3. FSA – Flexible Spending Account
    • The max contribution amount for 2024 is $3,050.00 (This may increase. I will send a notification if/when the IRS releases the information.)   
    • The deduction will be withheld from your bi-weekly paychecks
    • Please see the FSA/DCA Election packet for more information

  4. DCA – Dependent Care Account
    • The maximum contribution is  $5,000.00
    • The deduction will be withheld from your bi-weekly paychecks
    • Please see the FSA/DCA Election packet for more information

  5. HSA – Health Savings Account (Silver CDHP Only)
    • This election is for employee funded contributions only
    • Please see the HSA Election packet for more information

 

If you have questions or concerns regarding open enrollment or your insurance, please contact Alisha St. George at steorgea@hartfordschools.net

 


  Fall 2021 VEHI All Staff 2