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Your BenefitsEffective July 2025 - June 2026

You must request a change to your benefits within 30 days of your lifeevent (60 days for changes involving Medicaid eligibility). Documentation will be required.Enroll nowAt Open EnrollmentIf you have a qualifying life eventGetting StartedMaking benefit selectionsEnrolling in coverageYour benefit plans are in effect July 1 – June 30 next year. In general, there are two times you can make benefit selections:Open Enrollment is your one chance each year to review your coverage options and make changes to your benefits.Your choices are in effect from July – June of the following year unless you have a qualifying life event.Qualifying life events allow you to change your coverage during the year outside of Open Enrollment. These include:marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare, Medicaid, or a spouse or parent's coverage.You must re-enroll in your benefits this year, either to confirm you are not making achange, or to elect new plan option(s). You will also be required to confirm group life convered dependents and add group lifebeneificiaries.

Balance billingWhen you use an out-of-network medical or dental provider, they may bill youthe difference between what they charge and the amount your insurance pays.Medical: balance billing is in addition to – and does not count towards – yourout-of-pocket maximum.CoinsuranceAfter you’ve met your deductible, you’re sometimes responsible for apercentage of the cost of the medical care, dental care, or prescriptionmedication you received. This percentage is coinsurance.CopayA flat fee you pay each time you receive a copay-eligible medical, dental, orvision service or prescription medication. DeductibleThe amount you’re responsible for paying in care expenses before the medicalor dental plan starts paying deductible-eligible expenses.In-networkIn-network care is always your lowest-cost option. Networks are groups ofmedical, dental, and vision providers, pharmacies, and facilities that agree todiscount the cost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. This includesyour deductible, any coinsurance or copays, and prescription drugs. The out-of-pocket maximum does not include your premium (the amount youpay for coverage), non-covered expenses, or out-of-network care that’s beenbalance billed.Primary care physicianA primary care physician (PCP) is your main medical doctor – usually a generalpractitioner (GP), family doctor, internist, OB/GYN, or pediatrician (for children).Referral/pre-authorizationSome specialty medical providers and services require a referral from a primarydoctor. These may include - but are not limited to - cardiology, psychiatry,orthopedic surgeons, rheumatology, surgery, and imaging (CT or MRI).How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you about certain rights and responsibilities you have asan employee of Bloomington Schools ISD #271. You can request a paper copy at no charge from:Vickie Hepler1-952-681-6444vhepler@isd271.orgDownload nowGetting StartedHelpful terms & resourcesWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and we want you to be prepared!

Medical insuranceUMRPhone: refer to the back of your ID cardwww.umr.comHealth Savings Account (HSA)HealthEquity1-866-346-5800 https://healthequity.com/contact Flexible Spending Accounts (FSAs)Benefit Extras1-952-435-6858www.benefitextras.com TelehealthTeladoc 1-800-Teladocwww.Teladoc.com Employee Assistance Program (EAP)Fairview1-612-672-2195Dental insuranceDelta Dental of MN1-800-448-3815www.DeltaDentalMN.org Vision insuranceEyeMed1-866-939-3633https://eyemed.com/en-us/memberLife and AD&D insuranceThe Hartford 1-888-563-1124www.thehartford.com Disability insuranceThe Hartford 1-888-563-1124www.thehartford.com Additional benefit optionsVoyahttps://presents.voya.com/EBRC/BloomingtonSchoolsGetting StartedContact informationBenefits contacts

Medical insuranceIn-network careFull Time Employees PPO IN-NETWORK BENEFITSNetwork name:Choice PlusAnnual Deductible (DED)$1,650 per person $3,300 family maxOut-of-pocket maximum$1,650 per person $3,300 family maxPre-tax account availabilityHealth Savings Account (HSA)Preventive carePrimary care visitSpecialist visit100% coveredDED then you pay 0%DED then you pay 0%Urgent careEmergency roomInpatient hospital careDED then you pay 0%DED then you pay 0%DED then you pay 0%Prescription drugsGeneric Preferred brand Non-preferred brandSpecialty(30 days | 90 days)DED then you pay 0%DED then you pay 0%DED then you pay 0%DED then you pay 0%EE FT MONTHLY PREMIUMSFull monthly premiums:Single: $1,133.00EE + 1: $2,384.00Family: $2,607.00FT Employee: $0.00 (District pays $1,133.00/mo.)FT Employee + 1: $715.00 (District pays $1,669.00/mo.)FT Family: $782.00 (District pays $1,825.00/mo.)EE FT PER PAY PERIOD PREMIUMSFull monthly premiums:Single: $1,133.00EE + 1: $2,384.00Family: $2,607.00FT Employee: $0.00FT Employee + 1: $357.50FT Family: $391.00See your plan documents for out-of-network benefits.Healthy SavingsSee plan detailsMental health supportThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.You'll get in-network preventive care at 100%, prescription drug coverage, and anannual limit on your expenses.Your medical plan is through UMR.UMR Member ResourcesSee more details on the next page

Medical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.In-network carePart Time Employees PPO IN-NETWORK BENEFITSNetwork name:Choice PlusAnnual Deductible (DED)$1,650 per person $3,300 family maxOut-of-pocket maximum$1,650 per person $3,300 family maxPre-tax account availabilityHealth Savings Account (HSA)Preventive carePrimary care visitSpecialist visit100% coveredDED then you pay 0%DED then you pay 0%Urgent careEmergency roomInpatient hospital careDED then you pay 0%DED then you pay 0%DED then you pay 0%Prescription drugsGeneric Preferred brand Non-preferred brandSpecialty(30 days | 90 days)DED then you pay 0%DED then you pay 0%DED then you pay 0%DED then you pay 0%EE PT MONTHLY PREMIUMSFull monthly premiums:Single: $1,133.00EE + 1: $2,384.00Family: $2,607.00PT Employee: $340.00 (District pays $793.00/mo.)PT Employee + 1: $1,216.00 (District pays $1,168.00/mo.)PT Family: $1,330.00 (District pays $1,277.00/mo.)EE PT PER PAY PERIOD PREMIUMSFull monthly premiums:Single: $1,133.00EE + 1: $2,384.00Family: $2,607.00PT Employee: $170.00PT Employee + 1: $608.00PT Family: $655.00You'll get in-network preventive care at 100%, prescription drug coverage, and anannual limit on your expenses.Your medical plan is through UMR.See your plan documents for out-of-network benefits.Mental health supportUMR Member ResourcesSee plan detailsHealthy Savings

UMR Member Resources Bundled NEW One Pass Select Fitnessmembership Healthy Savings Plan OverviewSee plan detailsTeladoc Bundled FlyerDelta Dental Member ResourcesSee plan detailsEyeMed FlyerSee plan detailsAdditional perksThere's more to love with these extra benefits. The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.See plan detailsSee plan detailsLearn More!

Health Savings Account (HSA)If you cover yourself onlyIf you cover anydependentsBloomington Schools ISD#271 for FTcontributes up to:$825.00 ($68.75 permonth)$1,650.00 ($137.50 permonth)Bloomington Schools ISD#271 for PTcontributes up to:$412.50 ($34.38 permonth)$825.00 ($68.75 permonth)2025 IRS maximumcontribution $4,300$8,550See how an HSA can help yousave for today and tomorrow.Save pre-tax money for health care expenses – or retirement!An HSA through HealthEquity is paired with a High Deductible Health Plan (HDHP).The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.55 or older? You can contribute an extra $1,000 per year in catch-up contributions.Bloomington Schools ISD #271 contributes to your Health Savings Account(HSA) when you elect the HDHP medical plan and meet IRS eligibilityrequirements. You may also contribute tax-free funds to save for current and future healthexpenses:ContributionsUsing your moneySpend your HSA balance on health care expenses (medical, prescription,dental, and vision) for you and your tax dependents, ORLet your balance grow for retirement.The money in your HSA is always yours and available for qualified health careexpenses - even if you change jobs or health plans. Before retirement, anyfunds used for non-health care expenses are subject to tax penalties. Keepyour receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free and come out tax-free when you usethem for qualified health expenses. You may also be able to invest part of yourbalance once it meets a certain level.In retirementAt age 65, you can withdraw the funds in your HSA for any use (not just healthcare!) without tax penalties. HSA fundsIn order to make – or receive – contributions to a Health Savings Account(HSA), you must:be enrolled in a qualified High Deductible Health Plan (HDHP),not be covered under any other non-HDHP health coverage, including afull health care FSA through your spouse,not be anyone else’s tax dependent, and not be enrolled in Medicare A or B, Tricare, or VA benefits.Eligibility

Eligible expenses2025 maximum contribution$5,000Married filing separately: contribute up to $2,500 per person.Flexible Spending Accounts (FSAs)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Only the amount you’ve actually contributed is available for use at any one time. Estimate carefully! Unused funds will be forfeited at the end of the year perIRS regulations.Dependent care FSAPay for eligible child or disabled adult care while you work or attend school.Paying with tax-free funds can help. Enroll in one or more flexible spending accounts (FSAs) depending on your needs.Pay for qualifying expenses with tax-free money using your Flexible Spending Account throughBenefit Extras.

24/7/365 access to care. 1-612-672-2195See plan detailsThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Employee Assistance Program (EAP)Care for your mind – and your life – with support through Fairview.Our Employee Assistance Program (EAP) is a confidential service with access to guidance and resources at no cost for: mental health concerns (including substance abuse or addiction),adoption, parenting, or caregiving needs,financial or legal support,familial relationships and friendships,coping with day-to-day challenges, andso much more.Essentially, if it's part of your life, our EAP is here for you.Access support over the phone. 24/7/365.Everyo ne needs support sometimes (even superheroes).Confidential. No one at Bloomington Schools ISD #271 will ever know youcalled or what was discussed.Available 24/7/365. Life doesn't happen during office hours. The EAP is herewhen you need them.Family care is included. Anyone living in your home is eligible for EAPservices at no cost.Face-to-face visits. When needed, each person can receive face-to-face (orvirtual) visits with a licensed counselor per issue per year. At no cost.Additional visits - if needed - will go through your health insurance.EAP features:

Access quality care in the convenience of your own home, on your lunchbreak, or on the way to your child’s soccer game! Whether it's a nagging cough, middle-of-the-night fever, or a suspicious-looking mole or rash — telehealth through Teladoc is here when you need it.Connect with a board-certified physician 24 hours a day, 7 days a week.See plan detailsHaving good health and the energy to perform your job life outside ofwork, such as spending time with family, friends, or participating inactivities you enjoy. Think of physical wellbeing as nutrition, stayinghydrated, getting rest, avoiding illness through vaccines, preventivescreenings, and following doctors’ orders!Mental health care is essential health care. Managing work, family, relationships, and finances can be tough. Our Employee Assistance Program (EAP) provides you and your familywith no-cost, confidential assistance with all things related to your life.24/7/365.Healthy, supportive relationships with family, friends, and mostimportantly, yourself. Effectively managing feelings and emotions andpracticing healthy ways to manage stress and adapt to challenges.Social & EmotionalThe ability to effectively understand and plan for day-to-day expenses,short-term, and long-term goals, like paying back student loans, savingfor a house, sending children to college, retirement, or caring for agingfamily members.FinancialConnection to your passion, the reason you get out of bed every day.PurposeFeeling connected to where you live, work and play through activitiessuch as volunteering and mentoring.CommunityThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Total wellbeing: caring for all of youSupport for your health, finances, and life.There are five ingredients to wellbeing — each is just as important as the others:The recipe to living wellPhysicalTelehealth: virtual health care that fits yourschedule

Comprehensive Plan - FT Employees Network name:PPOPremier / Out-of-NetworkAnnual Deductible (DED)None$50 per person $150 family maxAnnual maximum benefit$1,500 per person $1,500 per person Preventive care100% covered100% coveredBasic care100% coveredDED then you pay 15%Major careYou pay 40%DED then you pay 50%Orthodontic careCoverageLifetime max benefit50% covered (Children aged 8 through 18)$1,000 lifetime max benefitNot coveredPREMIUMS(MONTHLY)Employee Only: $0.00Family: $76.00PREMIUMS(PER PAYCHECK)Employee Only: $0.00Family: $38.00Learn about dental care categoriesDelta Dental Member ResourcesSee plan detailsDental insuranceFT Employees can elect this option through Delta Dental of MN.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Delta Dental of MN will pay each year for dental care(annual maximum benefit), andwhether orthodontic care is covered.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). See more plans on the next page

Buy Up Comprehensive Plan - PT EmployeesPreventive Plan - PT EmployeesNetwork name:PPOPremier / Out-of-NetworkPPOPremier / Out-of-NetworkAnnual Deductible (DED)None$50 per person $150 family maxNoneNoneAnnual maximum benefit$1,500 per person $1,500 per person $500 per person $500 per person Preventive care100% covered100% covered100% coveredYou pay 20%Basic care100% coveredDED then you pay 15%100% coveredYou pay 20%Major careYou pay 40%DED then you pay 50%Not coveredNot coveredOrthodontic careCoverageLifetime max benefit50% covered (Children aged 8 through 18)$1,000 lifetime max benefitNot coveredNot coveredPREMIUMS(MONTHLY)Employee Only: $13.60Family: $89.60Employee Only: $0.00PREMIUMS(PER PAYCHECK)Employee Only: $6.80Family: $44.80Employee Only: $0.00Learn about dental care categoriesSee plan detailsSee plan detailsDelta Dental Member ResourcesDental insuranceSelect from two dental options through Delta Dental of MN.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Delta Dental of MN will pay each year for dental care(annual maximum benefit), andwhether orthodontic care is covered.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays).

Vision planIn-network careNetwork name:Select Annual eye exam (every 12 months)$10 copayMaterials copay (lenses & frames)$10 copayLenses (every 12 months)Included in materials copayFrames (every 12 months)$120 allowance, 20% off discountContact lenses (every 12 months)Elective: $120 allowance, 15% off discountMedically nec: 100% coveredYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$3.21$6.43$6.80$10.67See plan detailsYour vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.EyeMed fliersEnrollment Change FormVision insuranceYour vision coverage is through EyeMed.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.You'll get an annual exam with coverage for lenses and frames, or contacts in lieu of glasses.

All Eligible Active Employees Who DO NOT Opt Out of the Portion of Their Benefit Exceeding $50,000:2x Annual Salary (Refer to Contract for Maximum Benefit)All Eligible Active Employees Who Opt Out of the Portion of Their Benefit Exceeding $50,000:$50,000Dependent Spouse Benefit: $15,000Dependent Child Benefit: $15,000EmployeeClaimsManagementPortalWhat's AD&D?Accidental death and dismemberment (AD&D) insurance may pay:your beneficiary if you pass away due to an accidentyou a partial benefit if you lose specified bodily functions (sight, limbs, etc.)Life and AD&D insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Financial peace of mind through The Hartford.Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance offers additional support if you pass away or are seriously injured due to an accident.Basic life and AD&D insuranceBloomington Schools ISD #271 provides life and AD&D insurance at no cost to you.Make sure to designate a beneficiary for your life insurance coverage to ensure your family is cared for according to your wishes.

Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.Benefits beginAfter 90 days of inability to work Coverage amount66.67% of your earnings to a maximum noted in your contractPayments may continueUntil your Social Security Normal Retirement Age if you remain unable to work.Disability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance through The Hartford.Long-term disability Long-term disability coverage can provide lasting income protection if you remain unable to work. Bloomington Schools ISD #271 providesthis coverage at no cost to you.Wish you knew more aboutfinances? Now you can - at no cost!If you make a disability claim within the first year of being covered, checkyour plan details to see how pre-existing condition limitations might impactyour coverage.Pre-existing condition limitationsEmployeeClaimsManagementPortal

Accident coverageAccident coverage through Voya pays you a cash benefitto help with your expenses – your deductible or copays,transportation, groceries and more – if you or a coveredfamily member is injured due to an accident. The moneyis yours to use as you choose.Voya linkWellness Benefit at a GlanceSee plan detailsChildren accident enrollment formVoluntary Accident insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Accident insurance can help you pay for the out-of-pocket cost you may experience after an accident andpay regardless of any other insurance you have.On & Off Job Accident Coverage with ability to cover your spouse & dependent children.Benefits are paid directly to you.All coverage is Guarantee issue.Plan is portable, you can take it with you at the same rates should you change jobs or retire.

District Paid Critical illness insuranceCritical illnessCritical illness coverage through Voya pays you a cashbenefit to help with your expenses– your deductible orcopays, transportation, groceries and more – if you or acovered family member is diagnosed with a covered criticalillness. The money is yours to use as you choose.Voya linkSee plan detailsThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Being diagnosed with a criticalillness can be devastating, bothpersonally and financially. Breatheeasier knowing critical illnessinsurance can help you pay yourout-of-pocket expenses and allowyou to focus on your health.