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BENEFITS


Medical/Rx, Vision, Dental, Flexible Spending & BuyOut / BuyDown 
Contact:  Karen DelPriore    Phone:  315-635-4545     Email:  kdelpriore@bville.org


Notice of Open Enrollment for the 2023 Flexible Spending Accounts
 
The District's Open Enrollment for the 2023 Flexible Spending Account (FSA) begins today and will continue through Wednesday, November 30, 2022.

A Flexible Spending Account (FSA) is an IRS Section 125 Cafeteria Plan that allows employees to withhold pre-tax payroll deductions and use the funds to pay for qualifying unreimbursed medical, dental, vision expenses and dependent care.  This is a calendar year benefit, beginning January 1, 2023 through December 31, 2023 and deductions are withheld, pre-tax, over 20 pay periods.  All full time and part time employees who work a minimum of 20 hours per week are eligible to participate in the plan. 

You may enroll in either or both of the following options:

Health Care Account (HCA) for out-of-pocket medical expenses such as office visit copays, prescription drug copays, orthodontics, vision care, hearing aids, dental services and eligible over-the-counter (OTC) items, and more.  The maximum annual contribution to a Health Care FSA is $3,050.00.  The annual amount that is elected for the year becomes available for use on January 1, 2023.

Dependent Care Account (DCA) for daycare expenses for dependent children under age 13, who are claimed on your federal tax return, a disabled spouse or other dependent on your tax return who resides with you.  The usual IRS rules about what constitutes eligible Dependent Care expenses apply.  A maximum of $5,000 can be set aside in a Dependent Care account for married couples filing joint tax returns and single head of household tax returns. Married couples filing separate returns are allowed to claim a maximum of $2,500 each.  The annual amount that is elected for the year becomes available as it is credited to your account (based on the District’s payroll schedule).

Return completed FSA forms directly to Karen DelPriore in the Benefits Office, located in the Facilities Building, no later than Wed, November 30, 2022.
 
Online Portal: Visit www.lifetimebenefitsolutions.comClick on the ‘Login’ button on the top right of the screen and select Member, then Spending Accounts.

For returning participants:
  • You must fill out an enrollment form each year you participate in the plan and list all the eligible dependents for that year.
  • NEW - Any direct deposit information on file will continue into the new plan year unless you update your bank information by logging on to your FSA online portal account.  Direct deposit forms can no longer be processed, due to recent changes in regulations.  When making a change on the online portal account, you must follow the instructions on how to verify and activate the change.  Failure to complete the verification process will result in a reimbursement by check. 
  • Health Spending Cards (FSA Visa) are not issued each year.  Once issued, cards are good for three years and are only re-issued when they expire.
Please feel free to contact the Benefits Office at 315-635-4545 or kdelpriore@bville.org if you have any questions.
 
MEDICAL INSURANCE INFORMATION:
MEDICAL PLAN CONTACT INFORMATION

 
EXCELLUS (Blue Cross Blue Shield)
  ♦ PHONE: Customer Service 1-877-253-4797
  ♦ CLAIMS: EXCELLUS, P.O. BOX 21146, EAGAN, MN 55121
  ♦ WEBSITE & MEMBER PORTAL: www.ExcellusBCBS.com  (You can see all your Excellus plans in one portal)

    ♦ Create an online member account -  Online Member Account Guide
    ♦ View plan benefits, request ID cards, check claim status, view authorizations, and more


Medical Provider Search - Direct link https://www.excellusbcbs.com/find-a-doctor/provider.  Search the Excellus national Blue Card network to find a participating doctor, hospital, urgent care, etc.  The prefix for Classic Blue is VYW.
MEDICAL PLAN INFORMATION
The District's medical offering is the Classic Blue Traditional plan that is administered by Excellus BCBS.
  ♦ as offerred through the Cooperative Health Insurance Fund.   
  ♦ Calendar year deductible is $50 per individual with a $150 family maximum.
  ♦ After deductible, the annual co-insurance maximum is $400 per individual with a $1,200 family maximum. 

  ♦ Prescription drugs are subject to a separate co-payment schedule and out-of-pocket maximum.

Medical Plan Summaries (SBC): 
  ♦ BTA    ♦ BESPA    ♦ BAPIS    ♦ CSEA     ♦ Non Aligned     ♦ Administrators    ♦ BTSSA    ♦ Public Library 

International TravelCoverage available under Blue Cross Blue Shield Global Core (formerly BlueCard Worldwide®)
  • Global Core brochure
  • Visit www.bcbsglobalcore.com.
  • Call the Service Center at 1.800.810.2583
PRESCRIPTION DRUG INFORMATION: 
EXCELLUS Pharmacy Customer Service 
♦ PHONE: 1-877-253-4797

♦ Enrollment in pharmacy benefit is concurrent with medical plan participation.

RETAIL (local in-store) PRESCRIPTIONS
♦ Use your Excellus Member ID card for prescription purchases.
♦ Prescription purchases at a local retail pharmacy are limited to a 30 day supply. 
♦ To manually submit a pharmacy claim, complete and submit the Pharmacy Claim Form.

Formulary Guide: Use the Excellus Formulary Guide (drug list) to determine the tier level of your medication.  The specific copayments of drug tiers is contractually determined and is available in the Plan SBC's.

MAIL ORDER PRESCRIPTIONS:
♦ Maintenance prescriptions (90 day supply) are only available by mail order.
♦ Initial fills of new prescriptions are limited to a 30 day supply.

Express Scripts - Member Services: 1-855-315-5220  
Set up a Mail Order Acccount at www.Express-Scripts.com  ExpressScripts Info Sheet 
Express Scripts Forms: Rx Mail Order form  

Wegmans Home Delivery - Member Services: 1-800-586-6910 
Set up a Home Delivery Account  Wegmans Home Delivery Info Sheet
Wegmans Home Delivery Form:  Wegmans Home Delivery form
MEDICAL PLAN RATES
Medical Insurance Rates for Active Employees :   2022-23 Medical Rates   effective 9/1/2022 through 8/31/2023
                                                         
MEDICAL PLAN FORMS Enrollment Form  Use this form for initial enrollments and changes to current enrollment.  
Additional Dependents Form  Use this form if you have more than 3 dependents to enroll or update.
Updates must be done within 30 days of date of eligibility or status change (birth, divorce, medicare eligibility, loss of coverage, etc.).  Support documentation must be included with enrollment forms.  Required documents include copies of birth certificates and social security cards for all enrollees; as well as marriage licenses, financial proof (tax return), court orders and child support orders, if appropriate.

Privacy Authorization Form - For access to claims of spouse and dependents age 18 and older.  Additional information is available on the Excellus website - under Manage Your Privacy.


Claim Form - Medical - Use to manually submit a medical claim.

Medicare Eligibility Form - Use to notify of an insured's medicare eligibility for any reason (Age, Disability or ESRD).  Copy of medicare card required.  
RETIRED MEMBERS
Medical Plan Summaries (SBC) 
BTA    ♦ BAPIS    ♦ CSEA     ♦ Non Aligned     ♦ Administrators    ♦ BTSSA    ♦ Public Library
BESPA - Rx $5/20/40   ♦ BESPA - Rx $5/10/25    ♦ BESPA - Rx $1/5/5      ♦ BESPA - Rx $5/5/5   

Medicare Eligibility form:  Medicare Eligibility Form - Use to notify of an insured's medicare eligibility for any reason (Age, Disability or ESRD). Copy of medicare card required.  
AutoPay Authorization form: AutoPay form
 

VISION INSURANCE INFORMATION:  
VISION PLAN INFORMATION The District's vision benefit is provided by Davis Vison and andministered by Excellus as of 9/1/2022. 
    ♦ All medical plan participants are automatically enrolled in the Davis Vision plan. 
    ♦ Members receive a separate identification card from Excellus/Davis Vision. 
    ♦ Benefit provides coverage for routine eye exams and eyeglasses or contacts.

Vision Plan Description: Davis Vision Summary
VISION PLAN CONTACT INFORMATION DAVIS VISION
    ♦ PHONE:
Customer Service - 1-888-921-1194
    ♦ CLAIMS: Vision Care Unit, PO Box 1525, Latham, NY  12110.
    ♦ MEMBER PORTAL: www.ExcellusBCBS.com  Login & Select 'Simply Vision Gold' from drop down at top of page.
          - View benefit information, print ID cards, find participating providers, and more
VISION PLAN FORMS     ♦ Davis Vision Claim Form   Claim Form for direct reimbursement; for visits to an out-of-network provider
 
DENTAL INSURANCE INFORMATION:  
DENTAL
FORMS
Enrollment Form - Excellus Dental - For dental enrollments effective 9/1/2020.
Additional Dependents Form  Use this form if you have more than 3 dependents to enroll or update.
Claim Form - Excellus Dental - Use to manually submit a dental claims.
Privacy Authorization Form - For access to claims of spouse and dependents age 18 and older.
DENTAL
CONTACT
INFORMATION
EXCELLUS BLUE CROSS BLUE SHIELD   as of 9/1/2020
    ♦ PHONE: Excellus Dental Customer Service - 1-800-724-1675
    ♦ CLAIMS: Excellus Dental Claims, P.O. Box 21146, Eagan, MN 55121
    ♦ WEBSITE & MEMBER PORTAL: www.excellusbcbs.com   
       
Create an online member account -  Online Member Account Guide
       View plan benefits, request ID cards, check claim status, view authorizations, and more

DENTAL
PLAN INFORMATION
Plan Summaries:
    ♦ Plan 1 - Excellus Premium plan
    ♦ Plan 2 - Excellus Orthodontic plan
Plan Descriptions: 
    ♦ Plan 1 - Premium plan (100/100/80% and $2,000 calendar year maximum) No orthodontics.
    ♦ Plan 2 - Orthodontic plan (100/80/60/50% and $1,250 calendar year maximum; $1,500 lifetime ortho maximum)
Dental Provider Search - Direct link https://www.excellusbcbs.com/find-a-doctor/provider
          - The provider networks include Dental Blue Options and 
National Dental GRID+ DenteMax effective 9/1/22.
STUDENT CERTIFICATION Student Certification: - Dependents Age 19 to 25 must be certified, full time students to be eligible for dental.
Student Certification Form - Form required by Excellus to certify students.  Must be mailed directly to Excellus.
DENTAL PLAN RATES Dental Insurance Rates for active employees:  2022-23 Dental Rates   effective 9/1/2022 through 8/31/2023
 

 
FLEXIBLE SPENDING ACCOUNT (FSA) INFORMATION:
 
 

FLEXIBLE SPENDING ACCOUNT
INFORMATION

 Flexible Spending Accounts (FSA)

FSA is a calendar year benefit (January through December) and deductions are withheld over 20 pay periods.  Open enrollment for FSA is in September for an effective date of January 1.  You may elect one or both of the following:

  ♦ Health Care Account (HCA) for out-of-pocket medical expenses such as copays, prescription drugs, orthodontics, vision care, hearing aids, dental services and eligible over-the-counter (OTC) items, and more.
  ♦ Dependent Care Account (DCA) for daycare expenses for dependent children under age 13, who are claimed on your federal tax return, a disabled spouse or other dependent on your tax return who resides with you and is physically or mentally disabled.


    Website Portal Instructions          FSA Summary Plan Description 
   
FSA CONTACT INFORMATION
 LIFETIME BENEFIT SOLUTIONS  
    ♦ PHONE: Customer Service 1-800-327-7130 
    ♦ WEBSITE / PORTAL: www.lifetimebenefitsolutions.com 
         - Create an online account to view your account summary, track contributions and and payment status   
    ♦ FSA Store - https://fsastore.com//
         - Use your flexible spending account and discover surprisingly FSA eligible products
         - Quickly determine FSA eligible products - with and without a doctor's prescription.
FSA  
CLAIMS
 Reimbursement Methods:
    ♦ FSA Health Spending Visa CardUse card to directly debit from your account.  No claim forms needed, but all receipts must be maintained and are subject to verification.
    ♦ FSA Website - Submit form & receipts on line.  
    ♦ Fax - Submit form & receipts by fax at 1-877-256-7228.
    ♦ Mail - Submit form & receipts by mail to: Lifetime Benefit Solutions, FSA Claims Dept,
                                                                  P.O. BOX 211126, Eagan, MN  55121
    ♦ FSA Claiming Terms & Conditions.
 Reimbursement Forms:  
    ♦ Medical Reimbursement Form          ♦ Dependent Care Reimbursement Form 
FSA
FORMS
  Enrollment Kit - For Flexible Spending Accounts (FSA) in calendar year 2023
  Enrollment Form Only - For enrollment in 2023 medical reimbursement and/or dependent care accounts. 
  Medical Necessity Form - Some services and products are only eligible for reimbursement when certified medically neccessary by a doctor or other provider.
  Privacy Authorization Form - Use to allow access to account information to a spouse, etc.
BUY OUT
BUY DOWN ELECTION FORMS
  ♦ Buy Out / Buy Down election forms must be submitted to the Human Resources Office for approval. 
  ♦ Written requests to cancel coverage and/or dependents from your policy must be submitted to the Benefits Office before payroll deductions and coverages can be updated.
  ♦ BTA          ♦ BESPA           CSEA          ♦ Benefit Verification Form