Huntington County Community Schools Benefits Plan 2026
This document provides information on the 2026 open enrollment for benefits at Huntington County Community Schools.
2026 Open Enrollment Your Benefits Plan
Your 2026 Benefits The health and financial security of you and your family is important to us. Our benefit program provides a variety of plans that can enhance the lives of you and your family both now and in the future. As an eligible employee, you will be asked to make decisions about the employee benefits described in this booklet. This guide provides information to enable you to effectively enroll in your benefits. Take time to read it carefully and use the available resources to ensure you make the decisions that are right for you and your family.
Employees All employees working 30 hours per week or more are eligible for the benefits program. For new hires, your benefits begin on the first day of the month following your day of hire, or date of hire if hired on the first of the month. You may insure yourself and eligible family members under the program. Spouse & Legal Dependents Your legal spouse and children are eligible for medical, dental, and vision to age 26. Your children of any age are also eligible if you support them, and they are incapable of self-support due to disability. As required by our insurance contracts, you may be required to provide proof of eligibility for your dependents. If your dependent becomes ineligible for coverage during the year, you must contact your plan administrator within 30 days. Qualifying Events You may make a change to your benefits if you have a qualified status change such as: marriage, divorce, birth/adoption, death, changes in spouses benefits, and more. Eligibility
Employee Cost DENTAL Monthly Premiums SEE THIS PLAN VISION Monthly Premiums SEE THIS PLAN Employee Only $36.56 Employee + Spouse $66.16 Employee + Child(ren) $80.25 Family $128.24 Employee Only $5.20 Employee + Spouse $10.41 Employee + Child(ren) $11.14 Family $17.80 Medical SEE THIS PLAN PPO #1 PPO #2 Employee + Family Employee + Family Teachers $197.39 $563.09 $185.97 $530.53 Administrators $78.96 $225.24 $74.39 $212.21 12mo. Classified $78.96 $225.24 $74.39 $212.21 9/10mo. Classified $78.96 $1,531.61 $74.39 $1,443.03 Pre-65 Retirees $789.57 $2,252.37 $743.88 $2,122.10 Monthly Premiums
Medical BENEFITS For 2026, HCCSs coverage will remain with Anthem. You can choose between two HealthSync PPO plans with a tiered deductible system. View Your Anthem Portal
PPO Plan #1 PPO Plan #2 TIER #1 TIER #2 Embedded Deductible (Single/Family) $2,000 / $4,000 $5,000 / $10,000 $3,000 / $6,000 $6,000 / $12,000 Out-of-Pocket Max (Single/Family) $7,000 / $14,000 $7,000 / $14,000 $7,350 / $14,700 $7,350 / $14,700 Coinsurance 20% 40% 20% 40% Physician Office Visit $15 $40 $15 $40 Specialist Visit $30 $80 $30 $80 Emergency Room $250 + Ded. + Coins. $250 + Ded. + Coins. $250 + Ded. + Coins. $250 + Ded. + Coins. Urgent Care Centers $75 Ded. + Coins. $75 Ded. + Coins. TIER #1 TIER #2
Anthems Sydney Health App Manage Your Claims With Sydney Health, you can submit and track your claims, anytime, anywhere. Compare Care & Costs Our digital tools can help you find doctors in your plans network and compare care costs up front. Schedule Virtual Appointments Schedule same-day virtual appointments with licensed physicians. Download the App Watch Sydney Health App Video
Prescription DRUGS Navitus will be our dedicated partner in pharmacy management beginning in 2026. New ID cards reflecting the new pharmacy administrator will also be issued. You can use mail-order services by utilizing the online pharmacy, or by phone at (844) 820-3260. Navitus Member Portal Watch Navitus Video
PPO Plan #1 PPO Plan #2 IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK Retail Prescriptions: Generic $10 copay Not Covered $10 copay Not Covered Retail Prescriptions: Preferred $75 copay Not Covered $75 copay Not Covered Retail Prescriptions: Non-Preferred $150 copay Not Covered $150 copay Not Covered Retail Prescriptions: Specialty $400 copay Not Covered $400 copay Not Covered Mail Order Prescriptions: Generic $25 copay Not Covered $25 copay Not Covered Mail Order Prescriptions: Preferred $187.50 copay Not Covered $187.50 copay Not Covered Mail Order Prescriptions: Non-Preferred $375 copay Not Covered $375 copay Not Covered Mail Order Prescriptions: Specialty $400 copay Not Covered $400 copay Not Covered
Pharmacy Cost TOOLS GoodRx GoodRx has both a website and a mobile app that can be used to compare prices. Go to the website and type in your drug name. GoodRx will display the cost available at multiple pharmacies. Print the coupon and present to your pharmacist. Learn More Rx Help Centers RX Help Centers provides assistance in finding resources for high-cost brand name medications by advocating directly with drug manufacturers. Learn More CostPlus Drug Company The goal of the Mark Cuban Cost Plus Drug Company is to dramatically reduce the cost of drugs and introduce transparency to the pricing of drugs, so patients know they are getting a fair price. Learn More Watch Pharmacy Coupon Video
DENTAL Delta Dental offer three levels of benefits coverage; PPO Dentist, Premier Dentist, and Non-Participating Dentist. Find providers, view your ID card, and more online or using the mobile app. Dental Coverage with Delta Dental DELTA DENTAL OF INDIANA 225 S East St Indianapolis, IN 46202 317-842-4022 KRISTEN JONES Group Delta Dental PPO Online Portal Download the App
Deductible (Single/Family) $50 / $150 Annual Plan Maximum $1,000 Preventive Services Exams, Cleanings, Fluoride, X-Rays 100% Covered Basic Services Fillings, Extractions, Endodontics, Crown Repairs 80% Covered Major Services Crowns, Dentures, In/Outlays, Periodontics 50% Covered Orthodontia Services 50% Covered Orthodontia Lifetime Maximum $1,000
VISION In 2026 HCCS will continue to use Delta Vision as our vision insurance carrier. Be sure to visit the Delta Vision Portal to view a digital copy of your ID card. Delta Vision Online Portal
Each material benefit is paid out every 12 months, frames are every 24 months. Exam $10 copay Reimbursement up to $45 Glasses Lenses $25 copay Reimbursement from $30-$65 Glasses Frames $130 Allowance Reimbursement up to $70 Contact Lenses (Medically Necessary / Elective) Covered in Full / $130 reimbursement Reimbursement up to $210 / $105 IN NETWORK OUT-OF-NETWORK
Additional BENEFITS HCCS provides full-time employees with employer-paid basic life/AD&D insurance and long-term disability income protection at no cost. You also have access to an employee assistance program (EAP) through Parkview.
Basic Life Insurance The basic life insurance policy is available to all full-time employees. In the event of your death, your beneficiaries will receive a lump-sum payment based on your employee classification. HCCS pays all but $1.00 of the total annual premiums for these benefits. Basic Accidental Death & Dismemberment Insurance The basic AD&D insurance policy is available to all full-time employees. In the event of death, loss of (or loss of use of) a body part or function, speech, eyesight, or hearing, your beneficiaries will receive a lump-sum payment based on your employee classification. This benefit is bundled with Basic Life. Long-Term Disability Disability benefits protect your income during a period in which you are unable to work because of an illness or accident not related to your job. HCCS pays all but $1.00 of the total annual premiums for these benefits. Benefits begin on the 90 th day after the date of the incident and will cover 60% of your earnings (up to $5,000/month). Policy Number: 01-020575-00 Policyholder: Huntington County Community Schools Email Support: LADCLA@symetra.com File an LTD Claim
All full-time employees are automatically (even if you are not enrolled in medical benefits) provided access to Parkviews Employee Assistance Program. The EAP is a confidential resource available 24/7/365 to help you deal with a variety of life stages and concerns. The program includes up to 4 confidential consultations a year. Employee Assistance PROGRAM Get Help Clinical Confidential assistance for a range of concerns including addictions, depression, anxiety, stress, relationships, and parenting. Wellness Telephone based wellness coaching for tobacco cessation, weight loss management, fitness and exercise, stress management, parenting, and relationship support. Work-Life Assistance for daily challenges at home and work including financial, legal, child/elder care, and identity theft.
RETIREMENT You may contribute tax-deferred income to 403(b) retirement accounts with Horace Mann. Funds grow with potentially greater accumulation as tax withholding is deferred until distribution. 403(b) Change Your Contribution Request a Rollover/Distribution
Option #1: Traditional 403(b) Contribute pre-tax dollars today to reduce taxable income. Funds grow with potentially greater accumulation as tax withholding is deferred until distribution. Take distributions if the following conditions are met: Age 59; Severance from employment; Your death or disability; Financial hardship Note: a 10% federal early withdrawal tax penalty may apply to withdrawals prior to age 59. IRS Contribution Limits 100% of annual includible income up to $23,000 $7,500 age-based catch-up for those aged 50+ $3,000 extra if 15+ years of service with a qualifying employer and have under-contributed in prior years Option #2: Roth 403(b) Contribute after-tax dollars today. Take tax-free distributions if the following conditions are met: Distribution must be made after the end of the five-year period beginning with the first year for which a Roth contribution was made to the plan, and you turn age 59, or your total disability or death. Reduce taxable income during retirement, and possibly help reduce taxation of Social Security benefits under current law. Contact Information You can reach out directly to your financial professional. Travis Shuman, Agency Owner (260) 748-2575 t ravis.shuman@horacemann.com Retirement 403(b)
PlanSource User: First initial of your first name, your full last name, and the first four digits of your date of birth Example: John Smith, Date of Birth 3-15-1970. Username jsmith0315 Password: Birthday in format of YYYYMMDD Get Enrolled Today! Enroll Online