Richmond Community Schools Employee Benefits 2025
Richmond Community Schools Employee Benefits 2025 Open Enrollment November 18th – 24th
Your 2025 Benefits In 2025 we are focused on improving the health Watch the Video and healthcare of Richmond Community Schools employees. After evaluating our past medical plan, we have decided to move forward with Anthem Blue Cross Blue Shield. We feel this provides our employees with the best opportunity when it comes to their healthcare experience and cost.
Eligibility Employees Spouse & Legal Dependents Qualifying Events All full-time employees are eligible for the benefits Your children are eligible for medical, dental, and vision to You may make a change to your benefits if you have a program. You may insure yourself and eligible family age 26. Your children of any age are also eligible if you qualified status change such as: marriage members under the program. support them, and they are incapable of self-support due to divorce, birth/adoption, death, changes in spouse’s disability. If your dependent becomes ineligible for coverage benefits, and more. during the year, you must contact your plan administrator within 30 days. If the spouse of the Employee is employed and eligible for coverage under their own employer, this plan will not provide any coverage for the spouse.
How Does Our Health Plan Work? Carrier RCS Pays You Pay Medical Anthem Dental PBA Vision PBA Basic Life and AD&D OneAmerica Voluntary Life and AD&D OneAmerica Long-Term Disability OneAmerica
Employee Cost Coverage through Anthem Coverage through PBA Coverage through PBA DENTAL MEDICAL VISION PPO HDHP 24 24 deductions 24 20 24 20 deductions deductions deductions deductions deductions Employee Only $2.50 Employee Only $2.73 Employee + Spouse $14.46 Employee Only $132 $158.40 $85.88 $103.06 Employee + Spouse $2.50 Employee + Employee + Spouse $231 $277.20 $136 $163.20 Employee + $2.50 Child(ren) $16.93 Child(ren) Family $32.54 Employee + Child(ren) $223 $267.60 $128 $153.60 Family $2.50 Family $236 $283.20 $168 $201.60 SEE THIS PLAN SEE THIS PLAN SEE THIS PLAN
Medical BENEFITS For 2025 our benefits, we are offering a PPO and a HDHP option from Anthem. View Your Anthem Portal You will be able to register on the Anthem portal effective 1/1/2025
PPO HDHP Embedded Deductible $1,000 / $2,000 $3,300 / $6,000 (Single/Family) Out-of-Pocket Max $6,500 / $13,000 $6,700 / $13,000 (Single/Family) Coinsurance 20% 20% Preventive Care No charge No charge Primary Care Deductible + coinsurance Deductible + coinsurance Specialist Visit Deductible + coinsurance Deductible + coinsurance Emergency Room Deductible + coinsurance Deductible + coinsurance Urgent Care Centers Deductible + coinsurance Deductible + coinsurance Out-of-Network Benefits: PPO deductible is $2,000 / $4,000 and HDHP is $6,000 / $12,000. PPO OOP is $11,500 / $23,000 and HDHP is $13,000 / $26,000. PPO coinsurance is 50% and HDHP coinsurance is 40%.
Anthem’s Sydney Health App Manage Your Claims With Sydney Health, you can submit and track your claims, anytime, anywhere. Watch Sydney Health App Video Compare Care & Costs Our digital tools can help you find doctors in your plan’s network and compare care costs up front. Schedule Virtual Appointments Schedule same-day virtual appointments with licensed physicians. Download the App
Prescription DRUGS True Rx is your pharmacy benefit manager. Click below to access your member portal. When entering your Employee ID#, remember, do not enter the last 2 digits on your ID card. Download the True Rx mobile app to compare costs, search for pharmacy, and access your ID card. Access the portal using the link below or call 866-921-4047 Visit True Rx Portal
PPO HDHP Retail Prescriptions (34-Day Supply): $8 $8 Generic Retail Prescriptions: 30% or $40 (greater of)* 30% or $40 (greater of)* Preferred Retail Prescriptions: 50% for $60 (greater of)* 50% for $60 (greater of)* Non-Preferred Mail Order Prescriptions (90-Day Supply): $12 $12 Generic Mail Order Prescriptions: 30% or $80 (greater of)* 30% or $80 (greater of)* Preferred Mail Order Prescriptions: 50% or 120 (greater of)* 50% or 120 (greater of)* Non-Preferred * If brand name drug purchased when generic drug available and approved by physician, covered person will be responsible for the applicable brand copayment plus the difference in the cost of the generic and the brand name drug purchased.
Health Savings ACCOUNT A Health Savings Account (HSA) is available to those enrolled in a High Deductible Health Plan. HSA funds can be used for a wide variety of qualified medical expenses all tax-free. Any unused earnings rollover from year-to-year. Richmond is Watch This HSA Video to Learn More making a one-time $530 HSA contribution this year. Anyone who elects the HDHP must already have an account or open an account with UMB by 12/31/2024 to receive the $530 contribution by the district. Open Your HSA with UMB
HDHP and HSA Consumer Experience Doctor Visit Amount Owed EOB Bill Received Pay with HSA Visit your healthcare provider and The health plan will share the The health plan sends you the Your doctor will then send you You can use your HSA funds the office will submit the claim to amount you owe with your Explanation of Benefits (EOB). a bill. to pay the bill from your your health plan. doctor. doctor.
DENTAL Dental Coverage with PBA Online Portal
Deductible $50 per covered member Annual Plan Maximum $1,250 / person Preventive Services You Pay 0% Exams, Flouride, Sealants, Space Maint. Basic Services You Pay 20% Fillings, Simple/Complex Extractions, Endo/Perio Major Services You Pay 20% Prosthodontics, Implants, Inlays, Onlays, Crowns Orthodontia Services You Pay 40% Orthodontia Lifetime Maximum $500
VISION Vision coverage with PBA Eligible employees have vision coverage through Professional Benefit Advisors (PBA). There is 100% no deductible and vision benefits are limited to an annual individual maximum of $400. Online Portal
4 Ways to SAVE ON HEALTHCARE AVOID CUT Rx SHOP STAY THE ER COST AROUND HEALTHY FOR TRUE EMERGENCIES DON’T COMPARE DRUG PRICES & TALK UTILIZE THE SYDNEY APP TO FIND LIVE A HEALTHY LIFESTYLE HESITATE TO CALL 911 OR GO TO TO YOUR DOCTOR ABOUT THE BEST CARE AT THE BEST PRICE. THROUGH REGULAR MOVEMENT THE EMERGENCY ROOM. LOWER COST OPTIONS. & HEALTHY EATING HABITS. CHECK DISCOUNTS IN THE SYDNEY WHEN POSSIBLE, UTILIZING A UTILIZE COUPONS & SERVICES APP FOR MEDICAL TREATMENTS, REGULARLY VISIT YOUR WALK-IN CLINIC OR URGENT LIKE GOODRx, Rx HELP CENTERS, DENTAL, VISION, HEARING, PRIMIARY CARE PHYSICIAN. CARE WILL SAVE YOU TIME AND OR THE COSTPLUS DRUG FITNESS, FAMILY, PETS, & MORE. MONEY FOR THE SAME COMPANY. SERVICES. SCHEDULE YOUR ANNUAL LAB WORK & IMAGING SERVICES PHYSICAL & PREVENTIVE CARE LIKE ULTRASOUNDS, X-RAYS, CT APPOINTMENTS. SCANS, BLOOD DRAWS, ETC. ARE COSTLY. RESEARCH PROVIDERS BEFORE YOU MAKE AN APPT. $ $$ $$$ $$$$
Additional BENEFITS Richmond Community Schools provides full-time employees with employer-paid basic life insurance and disability income protection at no cost.
Basic Life and AD&D Dependent Life The employer-paid basic life and accident, death, and Dependent life benefits are employee elected dismemberment insurance policy is available to all full-time and paid. employees. In the event of your death, your beneficiaries will receive Spouse Benefit: $5,000 the following: Child(ren) Birth to 6 Months: $1,000 Class 1 – Superintendent: 3x annual base salary up to $350,000 Child(ren) 6 Months to 26 Years: $2,500 Class 2 – Administrative: 2x annual base salary up to $350,000 Class 3 - All Other Active Full-Time (including board members): $50,000 Long-Term Disability Class 4 – Retired Superintendent: 3x annual base salary (at retirement) up to $350,000 Employer-paid long-term disability protects your Class 5 – Retired Administrative: 2x annual base salary income for a period of time. (at retirement) up to $350,000 Class 6 - All Other Retired Employees (including board members): Benefits begin 90 days after the date of the incident $50,000 and will cover 66 2/3% of your earnings (up to $7,000/month).
VIRTUAL CARE Conditions Treated Virtually Allergies and rashes Headache & COUNSELING Arthritis pain Insect bites and stings Back pain or injury Sore throat Cold sores Stomachache and nausea Diarrhea Upper respiratory infections Earache Sinusitis Eligible employees and dependents can talk to a U.S.-trained Conjunctivitis or pink eye Urinary tract infections and board-certified physician 24/7 by phone or video at no Fever and flu And more cost. Click the link below, download the mobile app, or call 833-SWIFTMD to get started. Virtual Counseling Lookup Account with Group Passcode: !RCHCS17 SWIFTMD can help when you’re feeling down. Discuss everything from depression, anxiety and stress, to struggles with family, work, and substance abuse. Free confidential counseling by phone or Get Help video. Common issues discussed are • Marital, family, and relationship concerns • Stress or anxiety • Depress or grief at home or work SwiftMD is now revive. There will be no changes to your services. Visit swiftmd.com. • Child or elder care • Eating disorders
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