2025 Insurance Rates & Costs
Medical and Pharmacy Benefits
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Township High School District 214 offers you three options for medical coverage through BlueCross BlueShield of Illinois allowing you to choose a plan that best suits your needs.
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Medical Benefits
Customer Service Contact Information:
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PPO/HDHP: 800.458.6024
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HMO: 800.892.2803
BCBS PPO Plan
BCBS PPO High Deductible Health Plan (HDHP) and HSA Information
Health Savings Account (HSA)
A health savings account (HSA) is a tax-favored advantaged savings account designated for qualified medical expenses that provides triple-tax advantages: contributions, investment earnings, and qualified distributions - all are exempt from federal income tax, FICA (social security and Medicare) tax and state income tax (for most states). Unused dollars rollover from year to year, making HSAs an easy way to save and invest for future qualified medical expenses.
HSA payroll deductions must be elected each year. On an annual basis, the district contributes $1,600 to those enrolled in single coverage and $3,200 for those enrolled in family.
Pharmacy Benefit Manager (PBM) for PPO and HDHP is MedImpact
MedImpact customer support: 844.599.4062
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Preferred Formulary Drug List, Effective 1/1/2024 - this is a list of commonly prescribed medications within select classes of drugs covered by the prescription plan. Bring this list when visiting your physician.
- Preferred Formulary Drug List Changes, Effective 1/1/2025
- MedImpact Preferred Drug List, Effective 10/1/2024
- MedImpact Formulary Drug List, Effective 1/1/2025
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Direct Mail Program - Mail order program for maintenance medications available through Birdi
How do I set up my account on the MedImpact website? And why can’t I see all my family members?
To set you your MedImpact user account, visit www.MedImpact.com.
Follow the prompts to create a new user ID and password. The information provided by you should match what is on your Pharmacy ID card.
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If you are experiencing issues, please call 1-844-599-4062 (TTY dial 711).
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An alert will appear next to the bell icon on your dashboard if your profile is incomplete.
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Click on the alert to bring you to the section that needs to be completed.
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You can also click the down arrow by your name (profile drop down section) in the upper right corner of the screen and select “Settings”.
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A red dot will appear next to any section that needs to be filled out to complete your profile.
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To view your dependents, select the down arrow by your name (profile drop down section) in the upper right corner on your dashboard.
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Select the “Add Dependent/Add Other Users” button which will take you to the “View Dependents” section.
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In this section, dependents under 12 years old will automatically be viewable (listed under “Members I Can View”).
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To view other dependents 12 years old and older, you will need to request access to their accounts due to privacy concerns (e.g. the user must have set up his/her own account and registered to be viewable).
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Click “Request View Access” and enter member first and last name, date of birth, and member number (make sure the information provided matches what is on his/her ID card).
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Member account will show a pending request. Once the request is accepted, the member will show up in the “Members I Can View” section, click on the member and their account will be available to view.
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BCBS HMO Plan
Prime Therapeutics is Pharmacy Benefit Manager (PBM) for HMO
HMO Pharmacy: 800.423.1973
Dental Benefits
Township High School District 214 offers employees a dental plan administered by Allied Benefit Systems, Inc.
PPO Dental Benefits
Allied Benefit Systems is the administrator of the dental benefits for you and your family. As a member of this plan, you are free to use any dentist; however, additional discounts will be realized if you use one that participates in the Guardian/Dental Guard Preferred Select network.
Customer Service Contact Information:
www.alliedbenefits.com
800.288.2078
PPO Network
Guardian Dental
Resources
Voluntary Vision Benefits
Township High School District 214 offers employees a voluntary vision plan provided by EyeMed.
EyeMed Vision Care
EyeMed is your voluntary vision benefits carrier. For the maximum benefit, use providers in the EyeMed INSIGHT network.
Contact EyeMed’s Customer Care Center at 866.804.0982 or visit www.eyemed.com for questions on:
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Network providers
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Eligibility status
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Plan benefits
NEW: Effective January 1, 2024, the vision plan will now offer Eye360, which offers you enhanced benefits when visiting a PLUS provider. To find a PLUS provider, just look for the PLUS when searching. With Eye360, you can receive:
Resources
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$0 copay on eye exam
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An additional $50 frame allowance (for a total frame allowance of $200)
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No coupons or promo codes required
Visit EyeMed's Virtual Benefit Fair link to learn more about your vision benefits, provider directory, and access the enrollment video. To access the site, type in the password - BB296MEG
Resources
Life and AD&D Insurance
Township High School District 214 offers employee Group Term Life Insurance coverage administered through Standard Insurance Company.
Group Policy #757076
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Basic Life and AD&D
- Basic Life and AD&D Benefits Flyer - Superintendent
- Basic Life and AD&D Benefits Flyer - Administrators and Supervisors
- Basic Life and AD&D Benefits Flyers - Classified and Certified
Additional Voluntary Life and AD&D
Decision Support Tool - Use this tool to learn more about supplemental life insurance, calculate your life insurance needs, and enrollment options during Annual Enrollment.
Customer Service Contact Information:
Standard Insurance Company 800.628.8600
www.standard.com
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Employees and their dependents are eligible for this free travel assistance program provided by Assist America. If you are traveling more than 100 miles away from home or traveling internationally, you may utilize this travel assistance program for up to 180 days for business or pleasure. Travel assistance provides aid before and during your trip. Unforeseen events can happen during travel and this service provides services including passport/visa reissuance assistance, credit card replacement, currency exchange information, emergency evacuation, connection to medical care providers and much more. Please see the employee travel assistance brochure for more details.
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When an employee or one of their family members experiences loss, the Life Services Toolkit is there to provide assistance. If an employee experiences a loss, he/she can use the free Life Services Toolkit service available to the employee, their dependents or their beneficiary. While the life insurance benefit itself helps protect against financial hardship, this service helps provide additional services and support to individuals who may need it. This service is provided by Health Advocate and can help employees and their dependents with services such as grief counseling (six free face-to-face meetings), funeral arrangements, financial planning, estate planning, wills, health and wellness, support services, online resources and so much more. Please see the Life Services Toolkit brochure for more details.
Voluntary Disability
Township High School District 214 offers voluntary short- and long-term disability insurance coverage (STD and LTD) administered through The Standard.
Disability Insurance can replace part of your paycheck if you're disabled and can't work
What it does:
- Replaces a portion of your pay when you miss work because of a covered disability
- Pays you directly to help you protect your lifestyle and savings such as housing, food and child care
- Can continue partial payments after you return to work
- Can resume paying benefits with no waiting period, if your disability returns within a specific amount of time
Customer Service Contact Information:
STD: 800.368.2859
LTD: 800.368.1135
Group Policy Number: 757076
Voluntary Benefits
Township High School District 214 offers additional voluntary coverages to help you be prepared for covered events when they happen.
- Accident Insurance pays benefits for specific, covered accidents and injuries that happen on or after your coverage effective date.
- Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition that happens on or after your coverage effective date.
- Hospital Indemnity - pays a daily benefit if you have a covered hospital stay. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. Important: This is a fixed indemnity policy, NOT health insurance
For more information visit the employee resource center EBRC - Township High School District 214 (voya.com) or call 877.236.7564.
- Accident Benefit Brochure - 20 Pay Periods
- Accident Benefit Brochure - 24 Pay Periods
- Accident Certificate Booklet
- Critical Illness Brochure - 20 Pay Periods
- Critical Illness Brochure - 24 Pay Periods
- Critical Illness Certificate Booklet
- Hospital Indemnity Brochure - 20 Pay Periods
- Hospital Indemnity Brochure - 24 Pay Periods
- Hospital Indemnity Certificate Booklet
- How to File a Claim with Voya
- Voya Voluntary Benefits Recorded Presentation
This plan also includes a wellness benefit that provides you with an annual benefit payment if you complete a covered health screening test on or after your coverage effective date. You may also receive a benefit payment for your spouse and/or children if they are covered and complete a health screening test on or after your coverage effective date.
FSA, DCFSA, LPFSA and HSA
Township High School District 214 offers employees a Flexible Spending Account (FSA), Dependent Care FSA (DCFSA), Limited Purpose FSA (LPFSA) and Health Savings Account (HSA) through MyChoice Accounts.
Health Flexible Spending Account (FSA)
A Flexible Sending Account (FSA) is a tax advantaged account that allow employees to set aside up to $3,200 on a pre-tax basis to cover eligible medical, dental, and vision expenses.
*Note: If you're enrolled in the H.S.A., you cannot participate in the FSA. You will need to enroll in a limited purpose FSA, see below for information.
Limited Purpose Flexible Spending Account (LPFSA)
A Limited Purpose Flexible Spending Account is a tax advantaged account that allows employees to set aside up to $3,200 for vision and dental expenses ONLY. A LPFSA also allows you to be enrolled in an HSA as well.
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Health Savings Account (HSA)
A Health Savings Account (HSA) is a tax-favored advantaged savings account designated for qualified medical expenses that provides triple-tax advantages: contributions, investment earnings, and qualified distributions - all are exempt from federal income tax, FICA (social security and Medicare) tax and state income tax (for most states). Unused dollars rollover from year to year, making HSAs an easy way to save and invest for future qualified medical expenses. Individuals can contribute up to $4,300 and families can contribute up to $8,550 for 2025.
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Dependent Care Flexible Spending Account (DCFSA)
A dependent care FSA gives you the opportunity to pay for childcare, elder care, or other dependent care services with pre-tax dollars. You can contribute up to $5,000 per household. Eligible dependents include:
- Children under the age of 13
- A disabled spouse or aging parent, provided you can claim that person as a dependent on your federal income taxes
As you incur dependent care expenses, you may submit a claim for reimbursement not to exceed the amount that is in your account at the time of reimbursement.
My Choice Accounts Customer Service
888.532.5110
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Transit Spending Account
Township High School District 214 offers a Transit Spending Account through MyChoice Accounts.
This voluntary benefit allows you to have pre-tax payroll deductions to cover expenses for getting to and from work (not for personal use). Eligible expenses are limited to public transportation such as CTA, Metra and PACE. You are able to contribute pre-tax through payroll, an amount each month up to the IRS maximum, which is $315/month for 2025.
You cannot use commuter benefits funds to pay for a spouse’s or dependent’s commuting expenses. You, the employee, must incur the expense. Eligibility for the Transit Spending Account is for employees working 30+ hours per week. New employees can participate in this benefit on the 1st of the month following date of hire.
IMRF Disability
IMRF (Illinois Municipal Retirement Fund) offers disability benefits to members who meet certain criteria. This benefit provides financial support to help cover living expenses during a period of disability. For more information about IMRF disability benefits, please click here.
TRS Disability
TRS (Teacher's Retirement System) offers disability benefits to members who meet certain criteria. This benefit provides financial support to help cover living expenses during a period of disability. To learn more about TRS' disability benefits, click here.