Group Insurance Benefits Package and Costs Overview
Detailed information on the benefits package offered by the Office of Group Insurance for school district employees, including medical, pharmacy, dental, vision, and other support programs. It also covers the initial one-time buy-in costs, monthly premium details, and eligibility criteria for benefits.
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DEPARTMENT OF ADMINISTRATION OFFICE OF GROUP INSURANCE SCHOOL DISTRICT INFORMATION OFFICE OF GROUP INSURANCE 650 W. STATE STREET, STE 100 BOISE, ID 83720-0035 (208) 332-1860 (800) 531-0597 OGI@ADM.IDAHO.GOV HTTPS://OGI.IDAHO.GOV
WHAT IS THE BENEFITS PACKAGE? Active employee medical, pharmacy & dental Vision benefit Prescription drug coverage Employee assistance program (EAP) Condition support programs Wondr weight management Livongo diabetes management Telemedicine (MDLive) Case Management & Care Management Cost Advisor/Transparency Tools Nurse Advice Line Identity theft protection Flexible spending accounts (FSA) optional Health care flexible spending accounts Daycare flexible spending accounts All administrative fees are paid by the participants Retiree medical & pharmacy Limited eligibility 2
WHAT IS THE INITIAL ONE-TIME BUY-IN? If funded, the School District Participation Fund will cover a portion of the one-time buy-in to the State s health plan. In some cases, districts may have to pay the cost above and beyond what is provided from the fund. Example 1 Example 2 Benefit Eligible Employees 49 FY23 One-time Buy-In $2,975 Benefit Eligible Employees 17 FY23 One-time Buy-In $2,975 x = $145,775 x = $50,575 Support Units 33 Participation Funding $4,500 Support Units 10.25 Participation Funding $4,500 x = $148,500 x = $46,125 District Owes -$2,725 District Owes $4,450 You may not access these funds for any other purpose than to join the State s health plan 3
WHAT ARE THE MONTHLY PREMIUM COSTS? Premiums are updated each June for July s coverage. You have two options: #1 Pay for all benefit eligible employees every month ($12,500 annually) Premiums are remitted to OGI by the 5th of the month following when they were collected. OGI does not send invoices. Districts will remit a deduction register with an EFT. #2 Pay for only those enrolled every month ($13,642.04 annually) Premiums also cover OGI admin fee 4
WHAT ABOUT ELIGIBILITY FOR BENEFITS? The school district can determine which employees are eligible for health care benefits. You are NOT required to make all employees 20+ hours benefit eligible to participate in our plan. Eligible employees will then be defined as either Full Time / Tier 1, or Part Time / Tier 2. Premiums will be due according to the tier designation. 5
WHAT ABOUT OUR RETIREES? If the retiree was hired before June 30, 2009, and under age 65, they are eligible to join our group retiree plan. https://ogi.idaho.gov/retiree/ Retirees can use sick leave to pay for the group retiree plan, if eligible, or a variety of other coverages approved by OGI including medical, dental, long- term care, and/or Medicare Advantage/Part D/Supplement plans. https://ogi.idaho.gov/retiree/using-sick-leave/ Joining the State s health plan will not cap the amount of sick leave that district employees can transfer to PERSI 6
IF WE JOIN, HOW LONG ARE WE LOCKED IN? If you join the State s health plan, you are required to participate for at least five (5) years. 7
