• Employee Insurance

  • FAQs - Insurance

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    1. Whom should I contact with insurance questions?
    2. How long does it take to get my insurance card after I sign up?
    3. Whom should I contact regarding payroll deductions (for insurance and flexible spending accounts)?
    4. How are my premiums taken out of my paycheck?
    5. I’m just going to waive coverage.  Do I still need to sign and return the form?
    6. I’m a school-term employee.  I was terminated in the spring (effective at the end of the school year) and rehired in the summer (to start in the fall).  Will I have to start my deductible all over again?
    7. What if I’m hired by a different employer?
    8. What if ISD 273 does hire me back, but not until November?
    9. Do we have an Employee Assistance Program?
    10. What is the “19-pay adjustment”?
    11. Why is there an adjustment if the premium is already being changed?
    12. Why don’t people on 24 paychecks need this adjustment?
    13. So I have to pay more and I get fewer paychecks?
    14. How much will the one-time adjustment be?
    15. Why don’t we just have the insurance change with the school year and avoid the adjustment?
    16. What are "Qualified" family change-of-status events?
    17. When is the enrollment form due?
    18. Who is on the Insurance Committee?
     

     

    Whom should I contact with insurance questions?

    That depends on the nature of your question. Use this chart as a rough guide. If you still cannot tell where to start, call Carmen Trettel at Corporate Health Systems and she can point you the right direction.

    Topic of Insurance Question
    Whom to Contact

    Billing, insurance claims, your deductible, whether a
    service is covered, etc.

    BlueCross BlueShield Customer Service:  651-662-8000

    P.E.I.P. (EM/E)  The provider you selected or Innovo Benefits Administration: 952-746-3101
    • BCBS of MN:  1-800-262-0819
    • HealthPartners:  1-800-883-2177  
    • Preferred One:  1-800-997-1750

    Eligibility and Enrollment in insurance

    Tammy Knapp – Benefit Administrator 
    PlanSource, 612-256-8043 Tamara.Knapp@plansource.com

     

    Reimbursement accounts (flex & HRA)

    PaNgia Her – Reimbursement Administrator
    PlanSource, 612-256-0855 pangia.her@plansource.com

     Cobra/Retiree 

    Joanne Lynch – Cobra/Retiree Administrator                                                                                                                                            PlanSource, 612-256-0854 joanne.lynch@plansource.com

    Help understanding your master agreement as it
    relates to insurance

    Your Union or Association contact
    Staff Handbook - Contracts and Guidebooks
    or start with your building representative

    Payroll deductions for insurance

    Cara Hendrickson – Benefits Specialist
    Districtwide, 952-848-4912

     
     

     

    How long does it take to get my insurance card after I sign up?

    Corporate Health sends new enrollments/changes to BlueCross BlueShield and PEIP on a weekly basis. Then it takes BlueCross BlueShield 7-10 business days to process.  It can take longer through PEIP because they do their internal processing before sending on to one of three insurance companies.  If necessary, your doctor's office can call BlueCross BlueShield at (651) 662-8000 and refer to Group #AJ144 (for district medical insurance).  Teachers can get customer service and group numbers from Innovo Benefits at (952) 746-3101.

    It takes much longer during the open enrollment process because of the volume of changes. Expect to see your card in late December.

     

     

    Whom should I contact regarding payroll deductions (for insurance and flexible spending accounts)?

    Cara Hendrickson, Benefits Specialist (District Office)

    952-848-4912 cara.hendrickson@edinaschools.org

     

     

    How are my premiums taken out of my paycheck?

    Your employer will automatically take your medical and dental premium contribution(s) out of your check on a pre-tax basis, unless you notify the Business Office otherwise in writing.  Your deductions are spread out over all of your paychecks in this manner:

    how insurance deductions are calculated  
     For more details, please see the Benefits section on the online Staff Handbook.
     

     

    I’m just going to waive coverage. Do I still need to complete the online process?

    Yes, you still need to complete the enrollment process and  mark “waive coverage” for the insurance you want to decline. Remember that your enrollment in Life and LTD coverage is automatic, so you should double-check the amounts given and consider whether you want supplemental life or voluntary AD&D, as well as designate a beneficiary.

    At open enrollment time, we greatly appreciate having all employees log in to the online open enrollment, even if they are waiving or are not making changes from the previous year.  This improves our accuracy and speed of handling the enrollment process.   
     

     

    I’m a school-term employee. I was terminated in the spring (effective at the end of the school year) and rehired in the summer (to start in the fall). Will I have to start my deductible all over again?

    If you are non-renewed but rehired for the fall, there would be no lapse in service to the district. You would be covered through August anyway and you would start up with the same plan in September upon being rehired, so you would not have to meet the deductible again.

     

     

    What if I’m hired by a different employer?

    If you were instead hired in a different employer and went on their insurance, you would have to meet their deductible (start over).

     

     

    What if ISD 273 does hire me back, but not until October?

    Here’s a different scenario. Let’s say you are not rehired at the beginning of the school year. Your benefits end August 31, but you have the option of extending them if you pay the entire premium (this is called COBRA). You decide that even without a job you don’t want to go without health coverage, so you do go on COBRA starting September 1. Then, what luck, there is a job opening in Edina Public Schools after the first day of school and you are hired sometime in October. You would be eligible for benefits November 1. Because you kept your same coverage during September and October with COBRA, you would not have to meet the deductible again.

    However, if you decided to take your chances and go without coverage in September, or you shop around for cheaper coverage instead of staying on the district’s insurance, when you are rehired and start benefits October 1, you would have to meet the deductible all over again.  In this situation, many people choose to keep their other insurance through the end of the year and wait until open enrollment to sign up with the district again.

     

     

    Do we have an Employee Assistance Program?

    If you carry BlueCross BlueShield medical insurance through the district, you may use the Employee Assistance Program available through BlueCross BlueShield.  If your medical insurance is through PEIP or a spouse's employer, you can check directly with your medical insurance provider to find out if they offer EAP services.  In addition, an Employee Assistance Program is available through ING/ReliaStar, our life insurance provider.

     

     

    What is the “19-pay adjustment”?

    Your payroll deduction is your portion of the monthly premium, times 12, divided by the number of paychecks you receive (19 or 21). The finance system calculates 4 months (Sept-Dec) at one rate, but assumes you will have 12 months of coverage.  When there are changes in January, we give the system the new information, and it calculates again, assuming you will have 12 months of coverage.  Again, you actually have 8 months (Jan-Aug), not 12.  The mismatch between the rates means that not enough or too much money is taken out when you actually look at the 12-month picture.  That is the one-time adjustment that occurs in February or March each year.

    deduction calculation  
     

     

    Why is there an adjustment if the premium is already being changed?

    If your deductions are set up for fewer than 24 paychecks, you go through two changes: one when you get a new deduction amount in January, which should be the deduction amount for each pay period for the rest of the year, and another as a one-time adjustment. This was always the case; it's just that this adjustment has become more noticeable in recent years as insurance rates have gone up.

     

     

    Why don’t people on 24 paychecks need this adjustment?

    People on 24 paychecks have two deductions per month, and they correspond to the premium for that actual calendar month. When there are changes in January, the two deductions in January actually do reflect it, and it is already the right deduction amount for the remainder of the year. This not the case if you have fewer than 24 paychecks, yet still need to cover the entire 12 months.

     

     

    So I have to pay more and I get fewer paychecks?

    No, you do not pay more overall, just more per pay period.  Then your insurance is paid for in the summer months when you are not receiving paychecks.

     

     

    How much will the one-time adjustment be?

    That varies greatly depending on your insurance elections (change of plan, change of family status, etc.), changes in district contribution, changes in premium, pay schedule. There is typically an email reminder when the 19-pay adjustment is approaching, with individual emails sent to those with more significant adjustments.

     

     

    Why don’t we just have the insurance change with the school year and avoid the adjustment?

    We get better insurance rates by keeping our insurance plan year with the calendar year, because that’s what the insurance companies prefer. It also makes tracking flexible spending easier, because that corresponds to the calendar year as well.

     

     

    What are "Qualified" family change-of-status events

     
     
    According to HIPAA, to maintain the pretax status of our insurance premiums, changes may only be made once a year, at open enrollment, unless a qualified status change occurs at another time of you. A spouses open enrollment period is NOT a qualifying life event.
    • Marriage
    • Divorce
    • Birth or adoption of a child
    • Death of a spouse or child
    • Child's loss of eligibility due to age or marital status
    • Spouse's loss of coverage due to loss of employment
    • Commencement of or return from an unpaid leave of absence by your or your spouse
    • A residence change effecting eligibility for you, your spouse or a dependent
    • You, your spouse or dependent becomes eligible for Medicare or Medicaid
    • A judgment, decree or court order that requires a coverage change

    Status Change forms are available by contacting Sara Riegel or Tammy Knapp.  When you have a Status Change and wish to make election changes, it must be within 30 days of the occurrence of the change in status.

    If you have one of the above changes, you can make changes to your insurance outside of the open enrollment period.  Only benefit changes which are consistent with the change in family status are permitted. You must notify PlanSource of your change in family status and complete a new enrollment form within 30 days after the qualifying event. 
     

     

    When is enrollment due?

    For open enrollment, the deadlines are updated each year on the insurance calendar.  For enrollment or status changes at other times of the year, according to IRS regulations, you have 30 days from the event or date of eligibility.

     

     

    Who is on the Insurance Committee?

    Current members of the district's insurance advisory committee are listed on the Benefits page of the online Staff Handbook.

     

     
    For specific questions about medical, dental, life, AD&D, or LTD insurance or reimbursement accounts, please click on the individual pages for those topics (left sidebar).
     

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