Jamestown Public Schools Benefit Program

Jamestown Public Schools strives to provide a balanced, comprehensive benefits program for their employees. The Jamestown Public Schools Employee Benefits program offers you core benefits, such as Medical, Vision, Dental and Life insurance as well as voluntary and supplemental benefits that help maximize your coverage options.

Benefit pamphlet 

If you have questions, please contact your Human Resources Department.

Enrollment Instructions

Benefits Guide Video

All full-time employees working at least 30 hours per week of continuous employment are eligible for coverage on the first day of the month following date of hire for medical coverage, and on the first day of the month following date of hire for all other coverages. If you terminate employment or change to a part-time status, your coverage will terminate on the last day of the month that the change/termination occurs.

Please note: It is important that you enroll in a timely manner. If you do not enroll within your first 30 days of employment, you will not be eligible to enroll without a qualifying life event until the next open enrollment period.

Open enrollment will end on August 31, 20xx and benefits will begin September 1, 20xx.

Life Event Changes

The following events allow you to change your benefits outside the open enrollment period:

• You get married, divorced, or legally separated
• You add a dependent child through birth, adoption, or change in custody
• Your spouse or dependent passes away
• Your dependent loses coverage or gains other coverage
• Your spouse loses or qualifies for coverage through his or her employer

If you have a change in status, you must notify Human Resources to complete the necessary change forms within 30 days of the change. You will need to present documentation, such as a birth, marriage or divorce decree.

Aflac Options

Aflac Hospital Advantage

(Policy Series A49000)

Health care costs are on the rise for both employers and consumers and Aflac Hospital Advantage is there to help. This policy pays cash benefits that can be used to help with those out-of-pocket hospital expenses that may not be fully covered by major medical insurance.

Aflac Cancer Care

(Policy Series A78000)

Today, the chances of surviving cancer are better than ever, but the financial impact of cancer treatments can be devastating. An Aflac Cancer Care insurance policy can help you and your family better cope financially-and emotionally-if a diagnosis of cancer ever occurs.

Aflac Critical Care Protection

Critical Care Protection helps provide comfort to individuals who are concerned with the financial liability caused by a serious health event. It offers multiple coverage options to accommodate almost any budget. Unlike other critical illness insurance policies on the market, Critical Care Protection helps cover expenses from the initial diagnosis through treatment and provides options for more robust heart coverage.

Aflac Short-Term Disability

(Policy Series A57600)

For many individuals, a temporary loss of income can have long-term financial consequences. An Aflac Short-Term Disability insurance policy provides a monthly benefit amount when an individual is disabled due to a covered accident or illness and is unable to work. Having disability insurance can help provide a sense of security, knowing that if the unexpected should happen, you will still receive a monthly income.

Aflac Accident Indemnity Advantage

(Policy Series A35000)

Aflac Accident Indemnity Advantage insurance policies pay cash benefits to help provide peace of mind during the different stages of care and recovery. Benefits can be used to help pay for emergency treatment, broken bones, lacerations, concussions, broken teeth, and ambulance transportation, as well as for treatment-related transportation and lodging.

Additional Benefits Available:

Life insurance, dental insurance, and Wage works unreimbursed medical and dependent daycare benefits.

 

For more information on how Aflac, contact

Derek Mosset:

Office: 701-952-4909

Cell: 701-934-5495

Fax: 701-952-4910

Derek_Mosset@us.aflac.com

Aflac - Secondary insurance

Blue Cross Blue Shield of ND  - Medical

Lincoln financial - Life Insurance/LTD

Medallus clinic - $0 cost clinic for employees

Sun Life - Dental/Vision

Village EAP - Employee Assistance Program (EAP)

 

 

 

24-25 Benefit Guide

Employee Assistance Program (EAP)

An Employee Assistance Program (EAP) offers short-term confidential counseling on all aspects of life at no cost to you. Employees and household members can confidentially address and resolve personal and work-related challenges including:

• Relationship issues - Marriage counseling, family counseling, parent/child counseling, etc.
• Emotional health issues - stress, anxiety, depression, grief, elder parent challenges
• Drug and alcohol issues - assessments, evaluation and prevention education -this does not include treatment
• Workplace issues - Sexual harassment, dealing with difficult people, handling conflict, changes, job stress
• Crisis counseling - talk to a counselor 24/7
• Wellness Education classes - Drug & Alcohol Education, Stress Management, Parenting, Couples Education
• Legal issues - family law (divorce, wills, custody) and civil law (housing, harassment, motor vehicle) Receive free telephonic advice from a local lawyer and a 25% discount with the lawyer if additional assistance is required.
• Financial Issues - Budget counseling, debt management, retirement planning, student loan planning or repayment-through the Village Financial Resource Center

The number of sessions available to a covered individual's household is equal to the number of household members times (x) four (4). As an example, a household with five (5) members would have access to a maximum of 20 sessions (5 members x 4/member = sessions) per 12 month period. Any number of those sessions can be used by any member of the household up to the total number. There is a minimum of 8 sessions per household.

Confidential assistance is available 24 hours a day, 7 days a week

Call 1-800-627-8200 to schedule an appointment. 

Website:  www.villageEAP.com - Username: Jamestown Schools

 

This is a brief summary of your benefit. Please refer to plan summary for more details.

Important Notices

Federal regulations require Jamestown Public Schools to provide benefit eligible employees with the following notices:

Private Health Information

A portion o of the Health Insurance Portability and Accountability Act of 1996 (HIPAA) addresses the protection of confidential health information. It applies to all health benefit plans. In short, the idea is to make sure that confidential health information that identifies (or could be used to identify) you is kept completely confidential and it will not be used or disclosed without your written authorization, except as described in the Plan's HIPAA Privacy Notice or as otherwise permitted by federal and state health information privacy laws. A copy of the Plan's Notice of Privacy Practices that describes the Plan's policies, practices and your rights with respect to your PHI under HIPAA is available from your medical plan provider. For more information regarding this Notice, please contact Human Resources or the medical plan directly.

Women's Health and Cancer Rights Act

Jamestown Public School's medical plan, as required by the Women's Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services.

This coverage will be provided in consultation with the attending physician and the patient, and will be subject to the same annual deductibles and coinsurance provisions that apply to the mastectomy. For more information, contact your medical plan provider.

Individual Coverage Mandate

You can enroll in the Jamestown public school health plan, or you may want to consider visiting www.healthcare.gov for more information on health plans available through the Healthcare Marketplace in your area.

Newborn's and Mother's Health Protection Act

The Newborn's and Mother's Health Protection Act of 1996 (NMHPA) affects the amount of time you and your newborn child are covered for a hospital stay following childbirth. In general, health insurers and HMOs may not restrict benefits for a hospital stay in connection with childbirth to less than 48 hours following a vaginal delivery or 96 hours following a delivery by cesarean section. If you deliver in the hospital, the 48 hour (or 96 hour) period starts at the time of delivery. If you deliver somewhere other than the hospital and you are later admitted to the hospital in connection with the childbirth, the period begins at the time of admission. Also, a health insurer or HMO cannot require you or your attending provider to obtain prior authorization for your delivery or show that the 48 hour (or 96 hour) stay is medically necessary. However, a health insurer or HMO may require you to get prior authorization for any portion of a stay after the 48 hours (or 96 hours).

COBRA Rights

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), Federal law makes it possible for certain employees and their eligible dependents to continue participation in health care plans if the coverage would have otherwise been terminated.

Premium assistance under Medicaid and Children's Health Insurance Program (CHIP)

If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage. These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums. 

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, you can contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or go to their website to find out how to apply. 

If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan.

Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, your employer's health plan is required to permit you and your dependents to enroll in the plan - as long as you and your dependents are eligible, but not already enrolled in the employer's plan. This is called a "special enrollment" opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance.

North Dakota Medicaid

Phone: 1-800-755-2604

Medicaid Website

Prescription Drug Coverage and Medicare

Near-Site Clinic

Walk-In Care, Urgent Care, Primary Care, Chiropractic Care

• No cost to employees
• Great availability during open hours
• No appointments required for urgent care and minimal wait times for walk-in care
• Preventive care focused
• Trusted care with caring providers

721 A 1st Avenue

701-368-4380

TSA Consulting Group Website

403(b) Salary Reduction Agreement Form

Annual Retirement Benefit Guide

Meaningful Notice Form

Plan Participation Guide