Employee Benefit Information and Programs

• Enrollment
• Health Insurance Plans and Premiums
• CDPHP (Capital District Physicians Health Plan)
• MVP (Mohawk Valley Physicians Health Plan)
• Anthem PPO B Low (Empire Blue Cross)
• Anthem PPO B High (Empire Blue Cross)
• Anthem EPO (Empire Blue Cross)
• Anthem EPO HSA (Empire Blue Cross)
• Anthem Medicare Advantage for Retirees 65+ (must be Medicare Eligible)
• Dental Insurance Plans and Premiums
• Delta Dental High
• Delta Dental Low
• CSEA Dental
• Flexible Spending Account (FSA)
• Group Life Insurance
• Investments
• Supplemental Benefits Provider

Enrollment

• New Employee Insurance Questionnaire
• Open Enrollment Questionnaire
  GJSD will conduct a mini open enrollment during November 2024, during which time employees may enroll in or change health and/or dental plans. All forms must be received in the GJSD Business Office by the end of the school business day on December 6, 2024. Changes will become effective January 1, 2025.
• Life Changing Event Questionnaire
• Retiree Insurance Questionnaire
• Insurance Buyout Request Form
• Notice of Creditable Coverage
• Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
• Slide Show: GJSD/Fulmont Health Consumerism

Health Insurance Plans and Premiums

For specific coverage and/or policy questions, please contact your insurance carrier directly by using the phone number listed on the back of your insurance card, or by using their website.

Please refer to your collective bargaining agreement to determine the percentage you contribute towards health insurance.

CDPHP (Capital District Physicians Health Plan)

CDPHP Full Annual Premiums, 2024-25 school year

• Individual – $13,398.12
• Two Person – $28,136.28
• Family – $34,835.28

CDPHP Forms

• 2024 CDPHP Changes You Should Know
• CDPHP Summary of Benefits and Coverage 2024-25
• CDPHP Telemedicine
• CDPHP Service Area Map

MVP (Mohawk Valley Physicians Health Plan)

MVP Full Annual Premiums, 2024-25 school year

• Individual – $14,025.72
• Two Person – $32,259.24
• Family – $34,363.08

MVP Forms

• MVP Summary of Benefits & Coverage 2024-25
• MVP Telemedicine DOD
• MVP Large Group HMO/POS Service Area Map
• CVS Caremark Mail Service Order Form

Anthem PPO B Low (Empire Blue Cross)

Anthem PPO B Low Full Annual Premiums, 2024-25 school year

• Individual – $13,162.08
• Two Person – $25,337.64
• Family – $32,916.36

Anthem PPO B Low Forms

• Anthem PPO Low SBC 24-25
• Anthem PPO Low Benefits Summary 24-25

Anthem PPO B High (Empire Blue Cross)

Anthem PPO B High Full Annual Premiums, 2024-25 school year

• Individual – $14,382.00
• Two Person – $27,685.68
• Family – $35,967.24

Anthem PPO B High Forms

• Anthem PPO High SBC 24-25
• Anthem PPO High Benefits Summary 24-25

Anthem EPO (Empire Blue Cross)

Anthem EPO Full Annual Premiums, 2024-25 school year

• Individual – $12,973.92
• Two Person – $24,975.72
• Family – $32,446.08

Anthem EPO Forms

• Anthem EPO SBC 24-25
• Anthem EPO Benefits Summary 24-25

Anthem EPO HSA (Empire Blue Cross)

Anthem EPO HSA Full Annual Premiums, 2024-25 school year

• Individual – $9,018.24
• Two Person – $17,597.28
• Family – $26,176.20

Anthem EPO HSA Forms

• Anthem EPO with HSA Benefits Summary 24-25

Anthem Medicare Advantage
for Retirees 65+ (must be Medicare Eligible)

Anthem Medicare Advantage Plan Full Annual Premium, 2024-25

• Individual – $4,042.80 per year

Anthem Medicare Advantage Plan Forms

• Anthem Enrollment Guide
• Anthem MAP Enrollment Form
• Anthem Blue Cross Blue Shield website
• Anthem Find Care
• GJSD Policy 6510 Health Insurance in Retirement

If you have questions or need support regarding your Anthem Medicare Advantage benefits, please call the Anthem Medicare Preferred (PPO) Medical Prescription and Drug plan First Impressions Welcome Center at 1- 833-848-8729 and reference NY073GRS, Monday through Friday, 8:00 AM to 9:00 PM EST, except holidays. TTY users should call 711. You may also call or email Deb Callery at the GJSD District Office for assistance: 518-762-4611 Extension 3161, dcallery@johnstownschools.org.

Dental Insurance Plans and Premiums

Please refer to your collective bargaining agreement to determine the percentage you contribute towards dental insurance.

Delta Dental High

Delta Dental High Full Annual Premiums, 2024-25 school year

• Employee – $403.80
• Employee/Spouse – $780.12
• Employee/Child – $999.72
• Family – $1,499.40

Delta Dental High Forms

Delta Dental Contract Highlights 4 High Plan

Delta Dental Low

Delta Dental Low Full Annual Premiums, 2024-25 school year

• Employee – $282.96
• Employee/Spouse – $565.68
• Employee/Child – $781.92
• Family – $1,168.20

Delta Dental Low Forms

Delta Dental Contract Highlights – 4 Low Plan

CSEA Dental

CSEA Dental Full Annual Premiums, 2024-25 school year

• Employee – $2,024.04
• Two Person – $2,024.04
• Family – $2,024.04

CSEA Dental Forms

• CSEA Dental Contract

Flexible Spending Account (FSA)

FSA’s begin on January 1st, 2025 for the year and conclude on December 31st, 2025. Forms must be received in the GJSD Business Office by the end of the school business day on December 6, 2024.

• Election Compensation Reduction Agreement
• Flexible Spending Account – Medical Expense Recovery Form
• Flexible Spending Account – Dependent Care Expense Recovery Form

Group Life Insurance

Please refer to your collective bargaining agreement to determine the percentage you contribute towards group life insurance.

Group Life $10,000 policy – $153.60 full annual premium, 2024-25 school year

Group Life $50,000 policy – $768.00 full annual premium, 2024-25 school year

• Renaissance Life Insurance Enrollment Form
• Renaissance Life Insurance Beneficiary Form

For more information, please visit: RenaissanceBenefits.com or call Renaissance Life and Disability Customer Service at 844-368-6485.

Investments

• OMNI & TSACG 403b New Third Party Plan Administrator Announcement
• 403(b) Contribution Limits for 2024
• NYS Deferred Compensation (NYSDC)
• NYSDC Enrollment Guide

Supplemental Benefits Provider

Open enrollment for AFLAC runs through June 30, 2024.  All new enrollments and changes to existing coverages will be effective July 1, 2024. There will be in-person AFLAC opportunities at the end of August and on the September Superintendent’s Conference Day.

AFLAC plans available:

• Short-Term Disability – How would you pay your bills if you are disabled and cannot work? An AFLAC short-term disability insurance policy can help provide you with a source of income while you concentrate on getting better from a disability due to an injury, sickness or child delivery.
• Hospital/Sickness- Hospital stays are expensive. An AFLAC hospital policy can help ease the financial burden if ever hospitalized or have services related to an injury, sickness or child delivery. Additional benefits included for trips to the emergency room, physician visits, laboratory tests, x-rays, major diagnostic exams, surgery, ambulance and much more. This plan has benefits for routine check-ups, so you don’t need to be sick or injured to use it.
• Accident- Accidents happen. When a covered accident happens to you on or off the job, our accident insurance policy pays you cash benefits to help with the unexpected medical and everyday expenses that begin to add up almost immediately.
• Cancer/Critical Illness- AFLAC’s cancer policy can help you and your family cope financially if a positive diagnosis of cancer ever occurs. Optional specified health event rider that provides benefits for heart attack, stroke, end-stage renal failure and sudden cardiac arrest, is also available.

Check out the AFLAC Landing Page, this page provides product videos, product brochures, rates, and a link to get on my calendar to schedule a virtual meeting to discuss the different options, review existing coverage or to enroll.