Insurance

dept-insurance-header

Insurance Directory people

Name Position Phone
Robert Reeder Insurance Coordinator 801-826-5448
This email address is being protected from spambots. You need JavaScript enabled to view it. Retirement Specialist 801-826-5368
This email address is being protected from spambots. You need JavaScript enabled to view it. Insurance Specialist 801-826-5428
This email address is being protected from spambots. You need JavaScript enabled to view it. Insurance Specialist - part-time 801-826-5339

New Hire enrollment:

If you are a new employee with the district, or if you have recently become eligible for benefits due to a position change, you have 30 days from your start date to enroll in benefits.   If you fail to enroll during this initial 30 day window you will not be able to enroll in benefits until the next Open Enrollment window.   Benefit selections will begin the first of the month following your first day worked.   New employees should receive an email through District email within the first week of employment.  This email will provide you with benefit information as well as instructions for how to log into the www.aflacatwork.com enrollment tool and complete the enrollment process.  Benefit materials are also available upon request from the Insurance Department.   While enrolling in benefits is voluntary, it is mandatory that you log into the system and either accept or decline benefits.  Please note: everyone is required to complete the annual open enrollment every fall for the new plan year starting in January even if you completed the process as a new hire for the current year.

Open Enrollment:

Annually, we hold a mandatory Open Enrollment for benefits. Open enrollment for the 2015 plan year will be Oct 23, 2014 – November 7, 2014. All benefit eligible employees are required to log into the system during this window and verify their coverage elections, dependents and beneficiaries. It is extremely important for employees to complete this process even if you choose to waive District health insurance coverage. This annual review and confirmation of your benefit elections should take approximately 30 minutes; this allows you to reevaluate your current circumstances and make changes if necessary. It also helps to ensure election, dependent, and beneficiary information is correct and up-to-date. All Changes made during Open enrollment take effect on January 1st

Employees interested in Flexible Spending elections: please be advised, that Flexible Spending elections must be renewed each year. If you would like Flexible Spending you must elect a contribution amount every year. All of the enrollment and benefit information can be found in the information and forms section of the Insurance Department page.

Status Changes

Occasionally there are major life events that can affect your benefit needs and may create a opportunity for you to make limited changes to your coverage mid –year.  

Life events Include:
  • Marriage
  • Divorce
  • Birth/Adoption/Guardianship
  • Death
  • Involuntary loss of coverage
  • Enrollment in other coverage
If you’ve had one of these events occur, please contact the insurance department as soon as possible. The Insurance staff will need to enter the status change into the enrollment system before you will be able to Log into the system to make the necessary changes.    

Status changing events only allow you to make changes to your benefits that are necessary to accommodate the change. For instance, adding a baby to coverage following a birth, or dropping coverage on an ex-spouse following a divorce. It doesn’t allow you to change what health plan you are enrolled in or change the carriers you have elected. If you want to change carriers or plans you will need to wait until the next open enrollment window, then the changes will take effect in the following plan year.      

You have 30 days (60 days for Divorce) from the status changing event to make the change. Documentation that substantiates the status change, i.e. Birth Certificate, Death Certificate, Divorce Decree, adoption paperwork etc., will be required.  

Status changes typically take effect as of the date of the change. For instance, if you have a baby the effective date of the change would be the date of the birth. Be aware that if changes are entered after the 10th of the month it may not be reflected on that month’s payroll deduction and would require and increased deduction in the subsequent month.

Choosing Benefits

Choosing Insurance Benefits is a highly personal decision. A single, 25 year old, in good health has very different benefit needs than a middle aged employee with high blood pressure and a family. No one understands your needs better than you, and it is important that you decide which benefits will work best for you and your family. There is not a one size fits all benefit option.  

We have prepared a benefit booklet to help you make your insurance decisions.  (Link to the Benefit Guide). We have made an effort to provide you with a considerable amount of choice concerning your benefit options. This Benefit Guide provides a concise overview of the plans the District offers. We suggest that you spend a few minutes becoming familiar with your options.   

Before you make a decision on benefits we encourage you to take an inventory of

your medical needs and preferences for yourself and your family. The following are suggestions of things you can do to help you in deciding what benefits are right for you.
  1. Make a list of all the special health concerns in your family.
  2. Consider how frequently you and or family require medical attention.
  3. List your preferred doctors, dentists, clinics and hospitals.
  4. Estimate what you spend annually on medical expenses.
  5. Consider how much you can afford to pay for benefits, and how well you manage your finances.
All of the above considerations can have an impact on your Insurance selections and understanding these aspects will help you in making a good decision. If you have questions concerning your insurance options feel free to contact the Insurance Department for assistance at 801-826-5428.

Insurance Carrier Information

Ins. Plan Vendor Description Phone
Health Altius Icon_External_Link Altius network facilities include: MountainStar, Iasis, and other non-IHC Facilities 800-377-4161
  Select Health Icon_External_Link Select Health network is affiliated with Intermountain Healthcare (IHC) network of Hospitals and Doctors 800-538-5038
Rx Express Scripts (Formerly Medco) Icon_External_Link Prescription Medication Services 800-818-6632
Dental Dental Select Icon_External_Link Dental Provider 801-495-3000
Vision Davis Vision Icon_External_Link Vision Provider: Fashion Plan, Designer Plan 877-923-2847
Flex Custom Benefits SolutionsIcon_External_Link Flex Provider: Flexible Spending Accounts(FSA), Dependent Care Accounts(DCA) 866-656-0227
EAP Blomquist Hale Icon_External_Link Employee Assistance plan 800-926-9619
Life Reliance Standard Life Insurance and AD&D 800-351-7500
Disability Reliance Standard Long Term Disability Insurance 800-351-7500
Other Carrier Information
*Supplemental AFLAC Icon_External_Link Supplemental Insurance
Contact: Lee Harmer
801-716-0084
*Supplemental Conseco Supplemental Insurance
Contact: Dan Burt
801-706-2496
*Supplemental Hartford AD&D Insurance
Contact: Alan Syphus
801-322-5653
*Supplemental New York Life Long Term Care Contact: Clayton Jackson 801-867-7400
Clayton x450
*Supplemental plans are not part of District group plans.

Wellness Incentives and Activities

Employee wellness is of great importance to the Insurance Department.    While we are glad to be instrumental in providing employees with the security that comes from having health insurance, we hope that our employees rarely need to draw on those services.     We would like all district employees and their families to live healthy, active lives.   Wellness is an ongoing focus of the Insurance Department.  We are in the process of developing additional wellness initiatives and activities.   

Currently we offer two wellness activities.     

“Maintain Don’t Gain” This activity takes place over the holidays (Thanksgiving to New Year’s) and encourages employees to maintain their weight through diet and exercise.   There is an initial weigh-in before Thanksgiving and a final weigh in after New Year’s Day.   Employees who maintain their weight during the holidays are entered into a drawing.    

“Healthy Active Lifestyles Challenge” – This activity encourages employees to live an active lifestyle over the summer break.   It starts when school lets out for the summer and ends when school starts in the fall.   We ask that you take part in healthy activities at least three times a week over the summer.  You have to keep a log of your activities; at the end of the summer turn your log and entry form into the Insurance Department to be entered into a drawing

Terminating Employees

In most circumstances, when an employee terminates the District Health Insurance coverage ends on the last day of the month following the date of termination. In situations where a contracted employee has completed the contracted school year, but decided to not renew employment for the next contract school year, their coverage will continue to the end of the contract period. 

Terminated employees can continue coverage through the District if they enroll in COBRA coverage. Employee will be sent a notification once the District Coverage ends. Terminated employees have 63 days to enroll in COBRA coverage.  Once enrolled the coverage will be reinstated back to the date coverage was lost. COBRA enrollees will pay the full cost of the monthly insurance premiums plus a 2% administrative fee.  

Flexible Spending participants: Please be aware Flex spending cards will be deactivated upon termination with the District. Claims will need to be submitted manually for processing. Only services rendered prior to the date of termination will be eligible for reimbursement. Any unused funds at the end of the plan year will be forfeited. All of this is according to IRS Guidelines.