Health Insurance & Benefits

Health Insurance & Benefits Information 
 
Brooklyn Center School District offers the following benefits for employees: 
  • Health Insurance Health Reimbursement Arrangement (HRA/VEBA) 
  • Dental Insurance 
  • Group Life and AD&D Insurance Supplemental Life
  • Supplemental AD&D, Supplemental Dependent Life Insurance Long Term Disability Insurance (base plan) 
  • Long Term Disability Insurance (buy-up and accident only plan) 
  • Flexible Spending Account (FSA) 
Health Insurance 
New employees may enroll in one of the PreferredOne insurance plans the first day of the month following the hire date. Spouse and dependent children under age of 25 are also eligible. Employees may choose from the following:
  •  $300 single/$600 family deductible/$30 copay plan
  •  $500 single/$1000 family deductible/$30 copay plan  
  •  $1500 single/$3000 family deductible plan

A brief comparison of benefits can be found in the Insurance Benefits Guide
 
Health Reimbursement Arrangement (HRA)
A Health Reimbursement Arrangement (HRA) is an employer-funded account that is designed to reimburse employees for qualified medical expenses that are paid for out-of-pocket. HRAs are designed to operate with a high deductible health plan thereby reducing premium costs. For the Brooklyn Center District you are eligible for the HRA if you choose the health insurance option with the $1500 single/$3000 family deductible. The District will fund your HRA account with one half of either the single or family deductible amount depending upon whether you selected single or family coverage. You can then use these funds to not only pay for unreimbursed medical expenses but also unreimbursed dental and vision expenses as well. 
 
Dental Insurance Coverage
Provided by Delta Dental of Minnesota. Spouse and unmarried dependent children under the age of 25 are also eligible. Employees may enroll for coverage the first of the month following the date of hire. Diagnostic and preventive services are covered at 100% while most other services are covered at 80% or 50%. Please refer to the Insurance Benefits Guide for more information. 
 
Group Life and AD&D Insurance
This benefit is $50,000 of life insurance coverage provided to employees only. You are eligible for coverage the first day of the month coinciding with or next following your date of hire. This is a term life policy and therefore it has no cash value. An AD&D (accidental death and dismemberment) schedule of benefits for loss of life or limb(s) can be found in the Insurance Benefits Guide. Supplemental Life and AD&D and Supplemental Dependent Life Insurance Employees may choose to increase the amount of their life and AD&D insurance policies by “buying up” coverage in increments of $10,000 up to a maximum benefit of $100,000. Employees can also purchase life and AD&D benefits for their spouse and dependent children as well. More information regarding this benefit can be found in the Insurance Benefits Guide. Long Term Disability (LTD) Insurance Employees are eligible for Long Term Disability Insurance on the first of the month coinciding with or following their date of hire. The premium for this plan is paid entirely by the District. In the case of a qualifying disability the employee would receive 66 2/3% of their salary after the elimination period. Please refer to the Insurance Benefits Guide for the maximum benefit period summary. 
 
Long Term Disability Insurance (buy-up and accident only plan)
Employees may choose to increase the amount of their long term disability insurance by “buying up” coverage. The premium for any buy-up coverage is the responsibility of the employee. There is no coverage for spouse or dependent children. For more information regarding this benefit refer to the Insurance Benefits Guide.
 
Flexible Spending Accounts (FSA)
Employees are eligible to fund a medical and/or dependent childcare FSA account if working 30 hours or more per week at the District. This account is funded entirely by the employee with pre-tax dollars. Employees may fund up to $2,600 in a health account and/or $5,000 in a dependent childcare account. The monies in these accounts are used to pay for eligible medical expenses (including some over-the-counter medications) or childcare expenses utilizing pre-tax dollars. For more detailed information on what expenses are eligible for reimbursement please refer to the Insurance Benefits Guide
 
RESOURCES
 
PreferredOne Online Member Tools
Go to PreferredOne.com, click on register,enter username and password in the upper right hand corner.  For more information, click here
 
INSURANCE COMMITTEE
BCCS has an Insurance Committee that meets monthly. This committee is comprised of employees from multiple work groups, Administration, School Board Members and our health partners- Corporate Health Systems and NeoPath. The purpose of insurance committee meeting is to:
  • Communicate issues/concerns regarding insurance and benefits on behalf of the district and its employees; provide resolutions or recommendations for resolution
  • Disseminate information on insurance and benefits to employees and other stakeholders
  • Review, discuss and make recommendations to the board regarding health insurance benefits
This committee reviews claims reports, discusses ideas to manage healthcare costs and provide affordable healthcare options and resources to our employees. 
 
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