Benefits & Insurance
Open Enrollment runs November 6, 2023 to November 19, 2023.
Open Enrollment
Open Enrollment Starts November 6, 2023
Our annual open enrollment period will be November 6, 2023 to November 19, 2023. This is an excellent opportunity for all staff to review their current benefit elections and make any desired changes for the benefit period that will run between January 1, 2024 and June 30, 2024. There will be a second open enrollment window in May that will cover benefit elections between July 1, 2024 and June 30, 2025. Members of the H.R. Department will be visiting locations across the District to answer questions and provide assistance to staff during open enrollment. View our schedule of where and when we will be coming to your building. If you have any questions regarding open enrollment, please call Glenn Campos at (630) 636-3680.
What’s New For 2024?
In 2024, District 308 will be joining the Employee Benefit Cooperative (EBC) to limit cost increases by leveraging the combined purchasing power of 28,000 employees from more than 125 districts in Illinois. By joining the EBC, staff will gain access to teladoc for virtual doctor appointments, an enhanced Employee Assistance Program (EAP) with five face-to-face visits, basic identity theft protection from InfoArmor, and travel emergency assistance through OnCall.
Due to increases in claims costs and volume, the District will need to increase premiums for medical and dental insurance starting January 1st. By moving to the EBC, the District was able to reduce the increases to an average of 5.2% for medical insurance and 9.4% for dental insurance. Please view our 2024 medical, dental, and vision rates.
What Stays The Same For 2024?
In 2024, we will continue to have Blue Cross Blue Shield and Delta Dental for our medical and dental insurance providers. This means that our plan designs with respect to deductibles, coinsurance, copays, and out-of-pocket maximums will remain unchanged. Staff on our medical insurance will also continue to have access to FirstStop Health for virtual counseling and telemedicine, Hinge Health for musculoskeletal support, Livongo for diabetes and hypertension control, and WondrHealth for weight loss. Additionally, we will continue to partner with MetLife for supplemental coverage like Critical Illness, Hospital Indemnity, and Accident insurance, and with InfoArmor for enhanced beyond the free coverage available to all staff.
How Do I Update My Elections?
We will be using Employee Access for open enrollment this year. To visit the Employee Access page, please go to https://tyler-oswegocusd308il.okta.com/. For a tutorial on how to select your benefits, please watch this brief video.
What If I’m Not Making Any Changes?
We will be running a passive open enrollment for the benefit period of January 1, 2024 to June 30, 2024. With the exception of those who wish to start or continue a Flexible Spending Account (FSA) for medical and/or dependent care expenses–who must affirmatively enroll each year under Federal Regulations–all of your current selections will roll over.
Benefits Overview
Dental Insurance
Delta Dental
District 308 has partnered with Delta Dental to administer the district's dental insurance benefits.
Group Name: OSWEGO CUSD #308
Group Number for Delta Dental: Group Number 11646
Please reference the Delta Dental Plan Summary for specific plan details.
Group Name: OSWEGO CUSD #308
Group Number for Delta Dental: Group Number 11646
Please reference the Delta Dental Plan Summary for specific plan details.
Website: https://www.deltadentalil.com/Customer Service: 800-323-1743
Disability Insurance
Certified Employees
Certified employees participating in theIllinois Teachers Retirement System (TRS) may be eligible for disability benefits if they are unable to come to work due to their own illness or disability.
Non-Certified Employees
Non-certified employees participating in the Illinois Municipal Retirement Fund (IMRF) may be eligible for disability benefits if they are unable to come to work due to their own illness or disability.
Flexible Spending Account (FSA)
District 308 offers flexible spending accounts, or FSAs through Navia Benefit Solutions which allows employees to receive reimbursement for eligible healthcare and dependent care expenses tax free. By participating in these accounts, employees do not pay federal, state or social security taxes on the money contributed. To learn more, create an account, review your FSA details go Navia Benefit Solutions.
The healthcare account enables employees to set aside pre-tax dollars to pay for eligible healthcare expenses. An employee can contribute between $100 and $2,700 per benefit year. The benefit year starts January 1 and ends December 31.
The dependent care account enables employees to set aside pre-tax dollars to pay for eligible dependent care expenses. An employee can contribute between $100 and $5,000 per benefit year ($2,500 if married and filing a separate tax return for the plan year). The benefit year starts Jan. 1 and ends Dec. 31.
Enrollment into the plan is on an annual basis during the open enrollment (October-November) period. Outside of the open enrollment period, employees can only make changes if a qualifying event is experienced.
Medical Insurance
District 308 offers two PPO medical plan options and an HMO medical plan option through BlueCross BlueShield of Illinois. The options are the BCBS PPO plan and the BlueEdge Health Care Account (HCA) PPO plan. Both options are PPOs, but the BlueEdge HCA has a healthcare account to help offset the higher deductible. The BCBS PPO highlight sheet and the BlueEdge HCA PPO highlight sheet provide an overview of each plan. The BlueEdge HCA program guide explains how an HCA plan works and provides information to help employees determine whether the BlueEdge HCA option is the right choice for them.
Please use the links below for more information about coverage and programs available through BlueCross BlueShield of Illinois:
Prescription Coverage
Pharmacy prescription drug benefits are paid at 100 percent after a copayment at a participating pharmacy. Copayment amounts are $20, $50, or $70 based on the brand/formulary of the drug. Drugs purchased at a nonparticipating pharmacy are paid at 75 percent after copayment, and the copayments listed are for up to a 34-day supply at a contracting retail pharmacy.
Mail order prescription drugs are paid at 100 percent after a copayment. Copayment amounts are $20, $60, or $100 based on the brand/formulary of the drug. This benefit provides up to a 90-day supply of maintenance drugs used on a continuous basis for treatment of chronic health conditions.
Basic Life
Term Life insurance benefits are provided by Dearborn National. Benefits are payable in the event of death at any time from any cause, excluding suicide within 2 years of your effective date. Eligible employees are automatically enrolled for group life insurance the first of the month after hire date.
Accidental Death & Dismemberment (AD&D)
Accidental Death & Dismemberment (AD&D) Insurance helps pay a lump sum in the event of a covered accident. Specifically, accidents that result in fatality, paralysis, the loss of a limb, eyesight, hearing, speech and more. . Eligible employees are automatically enrolled for group life insurance the first of the month after hire date.
Long-Term Disability (LTD)
The district offers a Long-Term Disability (LTD) Plan, a monthly income replacement benefit if you become disabled and are unable to work. Benefits begin to accrue after you complete a six-month Waiting Period and are payable for the duration of a qualified disability.
Vision Coverage
CUSD 308 offers employee vision coverage through VSP.
No cards are needed to access this benefit. Simply notify your Vision service provider that you have VSP Vision coverage. If your provider is a VSP Network provider, they can confirm your coverage and bill VSP directly. If your provider is not in the VSP Network, you will need to pay at the point of service and submit a claim for reimbursement.
To create and register an account, find a network provider, review your benefits information and register at https://www.vsp.com/.
To create and register an account, find a network provider, review your benefits information and register at https://www.vsp.com/.
Client ID: 30106749
Employee Insured ID: Employee Name and Social Security Number
https://www.vsp.com/
Employee Insured ID: Employee Name and Social Security Number
https://www.vsp.com/
NOTE: If you've received eye care services from an out-of-network provider, you may need to submit a claim to request reimbursement at: https://www.vsp.com/claims/submit-oon-claim
Employee Assistance Programs
Employee Assistance Programs
Oswego Community Unit District 308 is committed to the complete well-being of its employees, and to this end we are partnering with Dearborn National to provide a comprehensive Employee Assistance Program. The employee assistance program is a voluntary, confidential service that provides professional counseling and referral services designed to help with personal, job, or family related problems. These services can help you and your family members identify, resolve, and gain control over personal problems that may be interfering with work and daily life.
For more information on the services provided by the Employee Assistance Program please view the resources below:
Disability Resource Services
ComPsych EAP VideoFace-to-Face Sessions
Unlimited Telephonic Counseling
Web-Based Services
Beneficiary Resource Services
Online Funeral Planning
Online Will Preparation
Face-to-Face Working Sessions
Unlimited Phone Contact
For online tools and resources, please visit: www.guidanceresources.com.
To obtain confidential and personal assistance, please call our employee assistance program at (866) 899-1363. Professionals are available to speak with you 24 hours per day, 365 days per year. You will be asked what type of insurance policy you have: LTD.
Additional Employee Assistance Services
Gateway Foundation
Plan Details: Provides resources and treatment of substance abuse for you or a loved one. Phone: 877-505-4673
College Assistance Plan
Travel Resource Services
Voluntary Benefits
Voluntary Benefits
District 308 has partnered with Metlife and Dearborn National to offer additional voluntary healthcare and Life insurance benefit programs.Accident Insurance
This insurance provides you with a lump-sum payment after an accident to use as you see fit. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and childcare expenses. Please see the following MetLife Accident Plan Summary Accident Insurance.Critical Illness Insurance
A critical illness insurance plan can help pay for expenses that may not be covered under your employer's existing medical insurance and disability plans. Please see the following MetLife Critical Illness Plan Summary Critical Illness.Hospital Indemnity Insurance
Hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan. Please see the following MetLife Hospital Indemnity Plan Summary.
MetLaw Legal
MetLife Legal Plans offers employees convenient and affordable access to a highly qualified network of attorneys for everyday personal legal matters. With MetLaw, receive discounted rates on legal advice and fully covered legal services for a wide range of personal legal matters including wills and estate planning, real estate matters, family law, and more. . Once enrolled, employees have access to an attorney as if on retainer. Please see the following MetLife Legal Plan Summary MetLaw Plan.Voluntary Life
Term Life benefits are payable in the event of death at any time from any cause, excluding suicide within 2 years of your effective date. Designations. Eligible employees can enroll for group voluntary life insurance through Dearborn National. Benefit issue amounts are guaranteed to a certain level without regard to health status if enrollment occurs within 31 days of your Hire Date. Otherwise, you will be required to complete and submit an Evidence of Insurability form if you decide to enroll at a later date. Dependent coverage is allowed when the employee is enrolled.Voluntary AD&D
Accidental Death & Dismemberment insurance policies (AD&D) provide benefits for covered accidents that result accidental death, loss of limbs, eyesight, speech or hearing. You may only enrolled for AD&D if you are enrolled in Voluntary Life. Dependent coverage is allowed when the employee is enrolled,Retirement Plans
Voluntary Retirement Plans - 403(b) and 457(b)
Oswego Community Unit School District 308 offers employees the opportunity to contribute to 403(b) and 457(b) voluntary retirement plans.
Teacher’s Retirement System (TRS) for Certified Employees
The Teacher’s Retirement System (TRS) of the State of Illinois is the primary retirement system for education professionals in the state.
Up-to-date contact information is available at https://www.trsil.org/contact.
Illinois Municipal Retirement Fund (IMRF) for Non-Certified Employees
The Illinois Municipal Retirement Fund was created in 1939 by the Illinois General Assembly and began operating in 1941 with 5 original employers and $5,000 in assets. Today IMRF serves almost 3,000 employers and has approximately $41 billion in assets.
Since 1941, IMRF has provided employees of local governments and school districts in Illinois (with the exception of the City of Chicago and Cook County) with a sound and efficient system for the payment of retirement, disability, and death benefits.
Up to date contact information is available at https://www.imrf.org/en/about-imrf/find-us-or-contact-us/contact-us.
