Page 2 - Inglewood USD Benefits Guide 2019 - Actives Final

Welcome to Inglewood USD!

This guide provides a summary of your benefit options and is designed to help you make choices and enroll for coverage. If you
would like more information about any of the benefits described here, please contact the Benefits Department at (310) 419-2760.

CONTENTS

Important Information 2 Flexible Spending Accounts 12
Enrollment Information 3 Commuter Reimbursement Account (CRA) 13

Online Enrollment 4 Life/AD&D 14
Medical Insurance 5 Disability 15
Value Added Programs 8 Voluntary Benefits 16

Dental Insurance 10 Resources and Contacts 17
Vision Insurance 11 Employee Contributions 18

IMPORTANT INFORMATION

ACA Annual Notices

The Affordable Care Act (ACA) requires applicable large Inglewood USD’s plans are partially arranged by
employers to make affordable coverage available to their Inglewood USD and governed by its plan rules and
employees or risk paying a penalty. It is important that you documents. Various state and federal laws require that
understand your options for health insurance coverage. You may employers provide disclosure and annual notices to
consider these options below: their plan participants.
• Enroll in a medical plan offered by Inglewood USD or The following is a list of the annual notices:
another group plan • Medicare Part D Notice of Creditable Coverage
• Purchase coverage through a health insurance marketplace • Women's Health and Cancer Rights Act (WHCRA)
• Enroll in coverage through a government-sponsored • Newborns’ and Mothers’ Health Protection Act
program (if eligible) •
Special Enrollment Rights
Because Inglewood USD’s medical plans are considered • Medicaid & Children’s Health Insurance Program
affordable and meet minimum value under the Affordable Care • HIPAA Notice of Privacy Practices
Act, you will not generally see lower premiums or out-of-pocket • Summary of Benefits and Coverage (SBC)
costs through the marketplace. In addition, employer Inglewood USD distributes annual notices to new-hires,
contributions to your medical benefits will be lost if you choose and each year during open enrollment. You may also
to purchase coverage through the marketplace, and your portion request a copy by contacting Employee Benefits
of medical premiums will no longer be paid via payroll Specialist, Audrey Velasco, at (310) 419-2760 or
deductions on a pre-tax basis. download a copy from the Online Employee Benefits
Portal (PlanSource).

For More Information
Go to www.healthcare.gov.

Paying For Your Coverage

The Medical (Anthem Blue Cross HMOs only), Dental, Vision, and Basic Life and AD&D benefits are provided at no cost to eligible
full-time employees and are funded entirely by Inglewood USD. You and the company share in the cost of the Medical (Kaiser
Permanente and Anthem Blue Cross PPOs only) benefits you elect. Any Voluntary Life and AD&D, Accident, Critical Illness, Short
Term Disability, or Universal Life with Long Term Care you elect will be paid by you at discounted group rates. Your Medical,
Dental, and Vision contributions are deducted from your salary before taxes are withheld, which saves you tax dollars. Paying for
benefits before‐tax means that your share of the costs are deducted before taxes are determined, resulting in more take‐home
pay for you. As a result, the IRS requires that your elections remain in effect for the entire year. You cannot drop or change
coverage unless you experience a qualifying event.

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