Insurance+Information+and+Reference

= Insurance Information =

Explanation of Benefits are now available electronically! Sign up at MESSA.com.

The following information was shared at the October 13, 2011 Membership Meeting. Your Area Representative (AR) for your building will have paper copies of these documents. Any questions should be directed to your AR.

Packet
The following PDF has all of the information for changes to our Choices II plan.

Video
A video is available from the meeting that discusses the information above. Email Blaha if you would like the video emailed to you (it is too large to upload for you).

125 Plan
As an added benefit to our employees, Allendale Public Schools is implementing a new **Flexible Spending Account (FSA) effective January 1, 2012 **. On-line enrollment will begin November 17, 2011 and run through December 8, 2011. For general plan guidelines, maximum contribution amounts, and reimbursement methods, please read the attachment labeled **//“FSA Plan Details and Information//**//”.// Any district employee may open a Flexible Spending Account, EXCEPT for the following job classifications, which are not eligible to participate: Lunchroom Aides, Cleaners, Crossing Guards, Non-PESG substitutes, coaches.
 * //Please make note of the email from Dr. Jonker and the dates for the enrollment/informational meetings.//**

The primary advantage to enrolling in an IRS approved Flexible Spending Account is to reduce your taxable income. The secondary advantage is to help offset your eligible out-of-pocket expenses. This plan, via payroll deduction, allows you to set aside PRE-TAX dollars for health and dependent care expenses that you would otherwise pay for with post-tax dollars. Flexible Spending Accounts are exempt from federal taxes, Social Security taxes (FICA), and in most cases state income taxes. For a detailed description of what an FSA is, what expenditures “qualify”, and how it works, please read the attachment labeled “**//NGE Flex Informational Packet”.//**

Please note that any employee premium share dollar amounts are automatically run through payroll on a pre-tax basis – no enrollment is required. The Flex plan enrollment is to cover “excess medical” – things like your deductible, office co-pays, Rx co-pays and co-insurance percentages.

The district has hired a third party, Next Generation Enrollment (NGE) to handle the administration of our FSA plan. Representatives from NGE will be on-site for an orientation meeting to explain the program and how to sign up through the on-line enrollment system on the following dates:

Date: Thursday, November 17, 2011 Time: 4:00PM – 4:45PM Room: Oakwood Board Conference Room

Date: Monday, November 21, 2011 Time: 4:00PM -- 4:45PM

Room: Oakwood Board Conference Room

Date: Tuesday, November 29, 2011 Time: 3:00PM – 3:45PM Room: Group Learning Room at the High School (Room #105)

You are welcome to attend any of the dates, whichever works best for your schedule //(bus drivers will have their own meeting on Monday, Nov. 21 at 1:30 PM in the Transportation Building)//. You can also view a video tutorial explaining more about an FSA, please click on the following link: http://www.youtube.com/plansource#p/u/3/4FPKsjXv1SM

__On-line enrollment begins ** November 17, 2011 and runs through December 8, 2011 **. For more information on how to enroll online, please read the attached document labeled **“//Allendale Public Schools Login and Enrollment Steps//”.** Please note that every Allendale employee has a unique ID number. Your ID number is your Employee Number located in the upper left hand corner of your payroll check stub or Direct Deposit advice. If you are unable to locate your ID number, please contact Rhonda Strating in Payroll.__


 * // A Flexible Spending Plan could save potentially 30% or more on your out-of pocket health care and/or dependent care expenses! Please take a moment to review the attachments, watch the on-line video, and plan to attend one of the three orientation meetings to learn more about this program. //**

If at any point you need assistance with your Flexible Spending Account, please contact NGE at: Phone: (888) 266-1732 Ÿ Fax: (888)267-0839 Online: www.nextgenerationenrollment.com Email: clientservices@nextgenerationenrollment.com Ada, MI 49301

Additional Information Regarding your 125 Plan

 * 1) [[file:Allendale Public Schools Login and Enrollment Steps-2.pdf]]
 * 2) [[file:FSA Plan Details and Information-1.pdf]]
 * 3) [[file:NGE Flex Informational Packet-1.pdf]]