Open Enrollment

Basics

Eligibility

You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Eligible family members include:

Annual Election

Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have a qualified life event during the year. Following are examples of the most common qualified life events:

Effective Date

You may make changes to your 2023-2024 benefit plans during Open Enrollment. No changes will be made after 07/31/2023 unless you have a qualifying life event.

Changes made during Open Enrollment are effective July 1 , 2023 - June 30, 2024.

Riverside Preparatory Schools Open Enrollment forms will be accepted 05/11/23-06/09/23

Mojave River Academy Open Enrollment Forms will be accepted 05/11/23 - 06/09/23

To Do

Please submit one benefit selection form, any necessary enrollment forms and dependent verification to Nicole Griego either by email or hard copy to the District Office. 

ngriego@orogrande.org 

This year employees will not be required to complete the confirmation process and verify dependents that have previously been enrolled. 

Medical Plans

Available to all employees working 30 or more hours per week.

Kaiser Plans

With Kaiser HMO plans, you must use Kaiser facilities and providers for your medical and pharmacy neds. Services received outside of the Kaiser Network are not generally covered, except when directed or in the case of emergency medical care.

Aetna Plans

HMO plans require that your care be coordinated with a Primary Care Physician (PCP) from the Traditional or Select Network. Service rendered outside of the Network are not covered, except in the case of emergency medical care. PPO plan offers you the freedom to seek care from the provider of your choice.

Kaiser Plan Designs 23/24 


Kaiser Traditional HMO Plan Design 23 24.pdf

Kaiser Traditional HMO

Kaiser Bronze Deductible Plan Design 23 24.pdf

Kaiser Bronze Deductible HMO

Aetna Plan Designs 23/24 (Medical only)


23 24 Aetna Full HMO Plan Design.pdf

Aetna Full Network HMO

Aetna Value Network HMO Plan Design 23 24.pdf

Aetna Value Network HMO

Aetna Whole Health Plan Design 23 24.pdf

Aetna Whole Health HMO

Aetna AVN HMO High Deduct Plan Design 23 24.pdf

Aetna Deductible Value Network HMO

Aetna POS Plan Design 23 24.pdf

Aetna Open Access Managed Choice POS

Opt Out of Medical

Available to all employees working full-time/40 hours per week.

403-B Retirement Savings Account

Accounts must be established with an authorized vendor (full list can be found at https://www.403bcompare.com/Vendors/Browse )

Flexible Spending Account-Health Care or Dependent Care

Established by meeting with District American Fidelity representative by appointment

Health Savings Account

Established by meeting with District American Fidelity representative by appointment

Cash Option

All amounts paid in cash are subject to state and federal income taxes and will be reported as earnings in your W-2, but will not be counted as STRS credit.

Dental Plan

Available to all employees working full-time/40 hours per week regardless of if you opt in for medical or not.


CSEBA - Delta Dental PPO

Offers you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a dentist who participates in the  network.

In Network Only

Out-of-Network and all specific details can be found within the Benefit Summary PDF below.

Delta Dental Customer Service.pdf
Delta Dental Mobile app.pdf
Delta Dental Smileway.pdf
Delta Dental Value Added Features.pdf
delta dental 1.pdf

Vision Plan

Available to all employees working full-time/40 hours per week regardless of if you opt in for medical or not.

Aetna 2.pdf

Aetna Vision PPO

Freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your Out-of-Pocket costs if you choose a provider who participates in the Aetna Vision Network.

In Network Only

Out-of-Network and all specific details can be found within the Benefit Summary PDF below.

Aetna 1.pdf

District Paid Life Insurance

Available to all employees working full-time/40 hours per week regardless of if you opt in for medical or not.

Basic Group Term Life & AD&D 

Life Insurance- provides your named Beneficiary(ies) with a benefit in the event of your death

Accidental Death & Dismemberment- provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment. In the event that your death occurs due to a covered accident, both the Life and the AD&D benefit would be payable.

Benefit Amount-Flat $50,000 

Full plan details can be found within the Benefit Summary PDF to the right.

MetLife Who Knew - Vol Life & Vol AD&D Reminders.pdf

Other Information

11 Month Employees Only-July Payback Line

A line was added within the deductions area for payroll to help identify the employee contribution being made for the month of July (July 31/Aug 1 payday). As seen in the reference photo, there are no employee deductions for the month of July, due to the fact 11 month employees do not receive a regular paycheck for that month. 

In order to keep benefits active year-round, the District pre-pays benefits for July based on the selections made during open enrollment.

If the employee exceeds the employer contribution on a monthly basis ($1,436.05 Cap), the amount is then paid as an employee deduction. In the example to the left, that amount is listed in the August month at $513.36. This additional amount still needs to be paid for the July month. With that being said, it is divided by 11, then entered into the employee deduction for the 'July Payback' line.

23.24 Benefit Calculator

BENEFITS CALCULATOR

Please open and copy the attached document so that you can calculate your benefit cost for the 23/24 School Year.

Optional Benefits

If you are interested in any of the additional benefits below, please reach out to the Nicole Griego.

Mpp Flyer.pdf

Pet Insurance

EAP Program Flyer.pdf
F_EAP_FAQ_EE_GRO_T.pdf

Employee Assistance Program

Personal Insurance

Aircraft, Automobile and Collector Cars, Course of Construction, Earthquake, Farm and Ranch, Flood, Home and Investment Properties o Hurricane, Investment Properties, Motorcycles, Watercraft

American Fidelity Representative for OGSD

Pebble Arnick; Lic# 0G54437                                Executive Account Manager                                         Direct 951-397-4816 / 800-365-9180 Ext. 388       951-600-0202 fax / 951-600-0122 office

pebble.arnick@americanfidelity.com



Discount Programs

Employee discount programs that can help you save on thousands of items-

https://shop.id.me/

www.orogrande.benefithub.com

2023-24_Oro Grande School District_eGuide_rev 5 9 23_CODED.pdf

2023/2024  Benefit Guide

  Please click on the PDF to the left to see plan cost comparisons and a summary of coverage.

Benefit Spot Info..pdf

Benefit Spot: Mobile Benefits Resource Button



Enrollment Forms  

All corresponding enrollment forms Kaiser (medical only), Aetna (medical & vision), Delta Dental & MetLife are attached to each Benefit Selection Form link.


Returning/New (40 Hours) Benefit Selection Form    


Please click on the link below to access forms


Benefits Selection Form- New/Returning 



Part Time (30 - 39 Hours) Benefit Selection Form


Please click on the link below to access forms


Benefits Selection Form- Part Time  


Opt - Out Benefit Selection Form



Please click on the link below to access forms


Benefits Selection Form- Opt-Out