Community High School District 155

IT'S ONLY NATURAL…

As you think about your benefits, confusion may set in. Maybe it's boredom. You've got questions, but who has the answers? And when you find answers, just what does it all mean?

You know you need benefits—to protect your (and your family's) health and financial security, and help you prepare for the future—but do you really know what they can do for you today? Are you getting value from the benefits you have? Do you even know what benefits you have?

In the My Benefits section, we lay it all out for you:
• What benefits are available to you
• How they work, and how you can make them work for your needs
• Things to think about when you choose benefits for you and your family
• Things to consider when you use the benefits you have

Roll up your sleeves and do some research—this info is available when you are ready for it. It will help you make educated decisions about your benefits, and that can help you keep more money in your pocket.

Medical Plans

Click here to view the Open Enrollment Guide.

Aetna Inc.

Phone Number: 800-370-4526

Member Website

Aetna PPO

Aetna HSA

Aetna HMO

WEB LINKS
HealthCare.gov
WebMD
Provider Finder

Medicare & You
Medicare Costs

Aetna concierge customer Service: (855) 824-4116

Concierge Member Flyer

Aetna Claim Office
Aetna, Inc.
P O Box 981107
El Paso, TX 79998-1107

Aetna Claim Form

PRECERTIFICATION FOR MEDICAL PPO
1-855-888-9046

24/7 NURSELINE
1-800-556-1555
24/7 Aetna Nurseline

2023 Insurance Rates for Employees Aetna Medical Insurance Employee Coverage Guide

Learn More

Prescription Drugs

CVS Caremark

Member Customer Service Number: 1-800-552-8159

Member Website

When you enroll in the Aetna medical HMO, PPO or HDHP, you will receive your prescription drug benefits through CVS Caremark. Your prescription drug benefits will be dependent on which medical plan you have elected. CVS and it’s Caremark division are a subsidiary of Aetna, and their preferred Pharmacy Benefit Manager. While you will still be able to pick up your prescription drugs from a variety of in network pharmacies, CVS Caremark will now be the exclusive specialty pharmacy at which you can order and pick up specialty and mail order prescriptions.

CVS Prescription Drug Resources:

Member Portal Registration Click Here
CVS Caremark paper claim form Click Here

Covid-19 testing Information
How To Get Your Free Over The Counter Test
At Home Covid Tests Education Click Here
Over The Counter Covid-19 Reimbursement FAQs Click Here

Learn More

Dental

Delta Dental of IL

Phone Number: 800-323-1743

Member Website

Good dental health is just as important as your annual physical. According to the American Academy of Periodontology, dental diseases (if left unattended) can contribute to health issues like heart disease, stroke, pre-term birth, and diabetes. In fact, gum health is as good an indicator of heart disease as high cholesterol is!

Dental plans protect you from major dental expenses, and usually cover everything from preventive care, like exams and cleanings, to major care like root canals and dentures.

Learn More

Vision

Vision Service Plan

Phone Number: 800-877-7195

Member Website

If you need glasses or contacts, vision coverage is a no-brainer. But even if you have 20/20 vision, you should still consider enrolling in a vision plan. Why? Eye exams are good preventive care for your eyes—they can help find eye problems early, when they’re most treatable.

And, did you know that vision exams can also detect other health problems like glaucoma, diabetes, high blood pressure and high cholesterol? Your eyes may be the window to your soul—and your body, and your health!

Learn More

Life/AD&D

The Standard

Policy: 161307

Phone Number: 800-368-1135

Member Website

Life insurance pays a benefit (called a death benefit, which is usually a lump sum) to a beneficiary (whomever you choose to receive the benefit) after your death. If you have a life insurance policy on a family member (such as your spouse or your children), you would receive the money if that family member died. This money can help replace your income. Your family can use it to pay daily living expenses, the mortgage or rent, funeral expenses, college tuition, etc. And your survivors usually do not have to pay income tax on the life insurance benefit.

Accidental Death and Dismemberment (AD&D) insurance pays you or your family a benefit if you are injured or killed in an accident. It’s not fun to think about, but it is an important benefit that helps to protect your finances in an unfortunate situation.

AD&D typically pays a benefit if you:
• Die, but only if your death is the result of an accident (not a suicide, for example)
• Are injured in an accident. The benefit amount depends on how severe your injury is. There are different levels of benefits for losing limbs, losing your vision or hearing, being paralyzed, etc. Your schedule of benefits will show you all of the details.

ELIGIBILITY
You are eligible for coverage if you meet any one of the following:
Class 2- Certified Employees and Administrators actively working a minimum of 10 hours per week.
Class 3-Non-Certified Employees actively working a minimum of 10 hours per week.
Class 4- Retired Certified Employees at least age 55, but less than age 65.

*Retiree Benefits do not included AD&D

Temporary or substitute employees are not eligible.

If eligible, Certified employees - coverage begins the first day of the month following date of hire, Non-certified employees - coverage begins the first of the month following 60 days of employment.

Learn More

Voluntary Life and AD&D Plan

The Standard

Policy: 161307

Phone Number: 888-937-4783

Member Website

The Standard EOI Link

Voluntary life insurance gives you the chance to buy a greater amount of coverage through your company—it’s usually offered in addition to a basic plan that may be company-paid.

It is very important that you choose a beneficiary when you sign up for voluntary life insurance. If you can purchase voluntary coverage for your spouse or children, you will automatically be the beneficiary—but if you are purchasing coverage for yourself, you must name a beneficiary to be sure your benefit goes where you want it to.

Some plans require you to name your spouse as your beneficiary if you are married.

Learn More

Long Term Disability

The Standard

Policy: 161307

Phone Number: 800-368-1135

Member Website

If you have an illness or injury that keeps you from working for a long period of time, you may be able to protect your finances with the help of Long Term Disability (LTD) benefits. LTD benefits provide income replacement when you are unable to work because of an illness or injury. In other words, you still receive a portion of your paycheck, even when you can’t work. LTD benefits usually take over when Short Term Disability benefits end.

Learn More

Health Savings Account

A Health Savings Account, or HSA, is a tax-advantaged savings account you can use for healthcare expenses. Along with saving you money on taxes, HSAs can help you grow your nest egg for retirement.

We offer "HSA Self-Directed Investment Options" which provides more information to employees about investment options. The link is here - HSA Investments - HSA Bank

Learn More

Health Care Flexible Spending Account

A Medical Care Flexible Spending Account reimburses you for medical expenses for eligible children and adults.

2025 Maximum Annual Contributions
Health Care: $3,300
Dependent Care: $5,000

Medical FSA Reimbursement Claim Form

Dependent Care FSA Reimbursement Claim Form

Summary Plan Description

Direct Deposit Form

FSA Brochure

FSA Employee FAQ

DFSA Brochure

DFSA FAQ

Debit Card Web instructions

Debit Card Mobile App instructions

Spousal Parity Affidavit

Dependent Care Claim Form

District 155 MRP Claim Form

Important dates to remember!!!
Plan Year: January 1 through December 31

ELIGIBILITY
All full-time employees are eligible to enroll in this plan the first of the month following their date of hire.

ELIGIBLE DEPENDENTS
For a Dependent Care FSA, the IRS considers a dependent as any child claimed as a tax dependent on your federal income tax return age 12 and under or over age 13 and disabled.  A spouse or other dependent of any age (such as parent) who is physically or mentally unable to care for himself or herself.

CLAIM DEADLINE FOR 2025 UNUSED FSA MEDICAL FUNDS
March 31, 2026
     During this run-out period, only paper claims can be submitted for
     reimbursement for any 2025 claims (click HERE to print out a paper claim)

NEW! Register HERE to check your FSA balance!!

Click here for a guide to accessing your FSA Account.

IRS RESTRICTIONS
Because of its tax advantages, rules and limitations are clearly defined by the IRS (including eligible expenses).

Use it or lose it - carefully estimate the amount you want to contribute. The IRS requires you to forfeit any amounts not spent by the end of the year.
The contribution election you make when you enroll generally must stay in effect for the entire calendar year. You cannot increase, decrease or cancel your contributions during the year unless you have a change in family status (e.g., marriage, divorce, birth or adoption of a child, etc.).

Learn More

Employee Assistance Program

As a part of the benefit package offered to employees, Community High School District #155 provides an Employee Assistance Program (EAP), which is provided by Aetna.

Aetna EAP is a highly respected organization dedicated to providing employees and their family members assistance with issues in everyday living. Access to a variety of information and resources is at your fingertips:

Aetna Online provides access to articles, assessments, skill building courses, links, information, and resources in the following areas: Parenting, Aging, Balancing, Thriving, Working, Living, and International.

Go to: www.resourcesforliving.com

Password: EAP

Click here to watch a brief video on what Aetna EAP can do for you and your dependents.

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EAP Service Highlights

Assessment/Referral/Counseling includes 24 hour access to professionals who can help with telephone or in-person short term counseling, and referrals to other services.

The Family Resource Link - offers access to experts in identifying resources for child and elder care issues as well as convenience services. Aetna can assist you in finding childcare resources including day care, preschool programs, college planning, and adoption information. They can also assist you in finding elder care resources such as home health care, housing services, transportation, adult education and volunteer programs. The convenience service assists in finding home repair, pet services, cleaning services, and leisure pursuits as well as entertainment planning, and ticket searching.

The Legal/Financial Connection - program provides access to attorneys and financial consultants for a variety of issues, including separation/divorce, child custody, housing/real estate, will and probate, family mediation, retirement planning, tax consultation, and financial planning.

The program is confidential, voluntary, no cost to you and only a phone call away. Call Aetna, Ltd. 24/7 at 1.800.456.6327 or visit www.resourcesforliving.com. Aetna has offices in the greater metropolitan Chicagoarea and Northwest Indiana as well as an extensive affiliate network throughout the United States.

Please do not hesitate to call Aetna if you have additional questions. Your EAP is at your service.

Important Links:

AetnaEAP Home Page

Online Access
www.resourcesforliving.com
Login ID: D155
Password: EAP

24 HOUR HOTLINE
1.800.456.6327

Learn More

Teladoc Telemedicine

Teladoc provides groups and individuals with fast and convenient access to quality medical care 24 hours a day, 7 days a week and 365 days a year throughout the United States. Teladoc is a cost-effective alternative to non-emergent Emergency Room visits, Urgent Care Clinic visits or the inconvenience of traveling to a scheduled appointment with your Primary Care Physician (PCP), during and after normal business hours, from home, office or during travels.

Teladoc is available to you during and after normal business hours. With Teladoc you don't wait days or weeks for a doctor's appointment, you don't spend time traveling to and from your doctor's office, and you don't have to spend hours in the waiting room at the Hospital Emergency Room or Urgent Care Clinic. Teladoc is the perfect solution for all of your minor medical needs.

Teladoc saves you valuable time and money. Medical consultations are conducted by board certified, fully credentialed and licensed physicians that diagnose illnesses, recommend treatment and prescribe medications to its' members over the telephone, through secure email and bi-directional video.

PHONE CONSULTATION

Become a member and talk to a doctor. Most conditions can be diagnosed & treated via telephone. Consultation includes diagnosis, treatment and, if appropriate, a medication prescription.

EMAIL CONSULTATIONS

Become a member, send a secure email to a doctor. Consultations include answers to your medical questions and general related guidance and information.

VIDEO
CONSULTATIONS

Become a member and have a secure, bi-directional video consultation with a doctor. Consultation includes diagnoses, treatment and, if appropriate, a medication prescription.

Important Links:

Teladoc Home

(855) 835-2362

Benefit Highlights

Frequently Asked Questions

How to register on Teladoc

Register for Teladoc Mobile App

Learn More

403b Important Links

Please note-OMNI is the third party administrator for all 403b plans

Plan Details and Current Participating Investment Providers
Omni 403b website access

Please watch this video regarding your 403b benefits with Omni

You have the opportunity to save for retirement by participating in your Employer’s 403(b) retirement plan. A 403(b) plan is a retirement plan for certain employees of public schools, tax-exempt organizations and ministers. Contributions are made under a Salary Reduction Agreement (SRA) with your employer. This agreement allows your employer to withhold money from your paycheck to be contributed directly into a 403(b) account for your benefit. Usually, you do not pay income tax on these contributions until you withdraw them from the account.

Omni Universal Availability Notice

Click on this link to begin the process for contributing

Online Enrollment IDs:

Fidelity 403(b) 50087

Vanguard 403(b) 431848

Plan Documents
Omni Plan Document 1
Omni Plan Document 2

Learn More

Spouse Insurance Reimbursement Plan

If a subsidy is available for your spouse's premiums and/or claims:

Premiums are reimbursed once a month. A signed Premium Reimbursement Affidavit is required in order to be reimbursed. If there is a change in premium, please complete a Premium Reimbursement Affidavit and return to Marnie Lalor in Human Resources. The plan will reimburse in-network deductibles, coinsurance and copays based on District 155's in-network benefits. Claims are reimbursed twice a month. Submit a copy of the Explanation of Benefits (EOB) from your spouse's insurance plan indicating how the claim was processed. The EOB, accompanied by a claim form is required for payment. (Claim Form can be found below)

Should there be a change in your spouse's employment, insurance company, medical benefits, and/or contributions, you must notify the District within 31 days.

Want to receive premium and claim reimbursements faster? Complete the DIRECT DEPOSIT form, attach a voided check and mail it to Group Administrators at the address is on the form. All premium and claim reimbursements will be deposited directly into your checking account. No more waiting for reimbursement checks in the mail!

Group Administrators Home Page

D155 Spousal Insurance Reimbursement Plan Contact Info and Forms

Customer Service
(847) 519-1880

CLAIM OFFICE
Group Administrators, Ltd.
ATTN: FSA Administrators
20 N Martingale Rd., Suite 290
Schaumburg, IL 60173
contactus@groupadministrators.com
Tel: (847) 519-1880
Fax: (847) 519-1979

Spousal Affidavit

Spouse Insurance Reimbursement Claim Form

Web Access Instructions

Medical Reimbursement Plan Document

Learn More

Credit Union

Great Lakes Credit Union (GLCU) offers competitive rates on everything from savings and checking accounts, auto and home loans, and credit cards. GLCU offers everything a bank does but is a not-for-profit, cooperative financial institution owned and operated by its members. Visit glcu.org/Locations to find an ATM or branch near you.

Great Lakes Products and Services Flyer

Learn More

Accident and Critical Illness - HDHP benefit

Should you enroll in the High Deductible Health Plan, District 155 will pay for Accident and Critical Illness benefits at the same coverage tier you elected for the medical insurance, including those dependents covered under parity!

**This coverage is only available to those who elect the HDHP.**

Critical Illness Insurance

Employee Benefit: $10,000
Spouse Benefit: $10,000
Child Benefit: $2,500

Click Here to view Critical Illness Highlight Sheet
Click Here to view the Critical Illness Claim Form
Click Here to view the Health Maintenance Screening Claim Form
Click here to view the Health Maintenance Tests Flyer
Click here to view FAQ document

$50 Health Maintenance Screening Benefit – Annual benefit for wellness screenings.

Additional Occurrence – Provides benefits when diagnosed with a different condition, so long as it is separated by 3 months.

Recurrence Benefit – Provides benefits at 25% of your elected benefit amount for a recurrence of a covered condition, so long as it is separated by 12 months.

Receive 100% of Coverage Amount	Receive 25 % of Coverage Amount	Children Covered for an Additional 21 Illnesses
Heart Attack Stroke Cancer End Stage Renal Failure Major Organ Failure Coma Paralysis Loss of Sight Occupational HIV Occupational Hepatitis	Carcinoma in Situ Severe Coronary Artery Disease with recommendation for surgery	Cystic fibrosis Down syndrome Muscular dystrophy Spina bifida Cerebral palsy + 16 more

You will be able to file claims in two ways:
Website: Standard.com
OR via email to SupplementalNewClaim@Standard.com.

Employee Benefit: $10,000
Spouse Benefit: $10,000
Child Benefit: $2,500

Accident Insurance

Click Here to view Accident Highlight Sheet
Click Here to view the Accident Claim Form
Click Here to view the Health Maintenance Screening Claim Form
Click here to view the Health Maintenance Tests Flyer
Click here to view FAQ document

$50 Health Maintenance Screening Benefit – Annual benefit for wellness screenings.

Helps you pay for out-of-pocket expenses – you choose which ones.

24 Hour Coverage – for accidents that occur anytime, including work related accidents.

Provides extra benefits for youth sports injuries – Youth Organized Sports Benefit pays an additional 25 percent of total benefit.

Benefits paid directly to you – Employees and families can use the benefits for medical-related expenses or everyday expenses like child care, groceries or lodging.

Pays a lump-sum benefit based on type of injury sustained and treatment needed

Covered injuries may include:

Broken bones
Burns
Torn ligaments
Concussions
Eye injuries
Ruptured discs
Cuts requiring stitches

Covered services may include:

Initial treatment
Emergency room visit
Hospitalization
Follow-up care
Physical therapy

You will be able to file claims in two ways:
Website: Standard.com
OR via email to SupplementalNewClaim@Standard.com.

Learn More

Additional Benefits

Travel Assistance

Illinois Municipal Retirement Fun (NCPERS)

Learn More