Employee Benefits & Insurance Information

If you want a Flexible Spending Account (FSA), you must enroll each year. Set aside pre-tax money in a Medical FSA for your medical, vision or dental costs, or a Dependent Care FSA for daycare expenses. Elections must be made by May 23 to have an FSA in plan year starting July 1.

No. Your medical, dental and life insurance policies will continue.  You don’t have to do anything unless you want to make a change, enroll for the first time, or apply for additional life insurance.

Our medical premium will increase by almost 7%, although we earned a much higher increase. For anyone still on the copay medical plan, consider changing to the deductible plan. The high cost of claims and usage under the co-pay plan design is contributing to our high premium increases each year.

Yes. The district is providing a new benefit plan called Kavira starting on July 1.  Kavira works alongside your medical plan by providing health care through a mobile app. If in-person care is needed, a clinician comes to your home or workplace. There are 30 free lab tests and 300 free prescriptions available to you, your spouse, and dependents. No insurance claims are submitted to HealthPartners (and it’s at no cost to you). A video is posted on our website or go to Kavira’s website for more information.

Your insurance coverage is year-round, from July through June. The monthly insurance costs are listed so you can compare costs, knowing how much you pay and how much the district pays for your insurance coverage each month.

Your annual cost for insurance coverage is divided into 16 payroll deductions, starting with your October 15 paycheck and continuing through your May 30 check. In other words, you pay for 12 months of insurance coverage (July through June) in 8 months’ time (October through May).

No. If you are enrolled in the HealthPartners deductible medical plan, you have an HRA/VEBA spending account. Only the district (as your employer) can contribute to your HRA/VEBA account: $50 per month if you have single medical coverage or $100 per month if you have family coverage.  Medsurety administers our VEBA plan and also our Flex Spending plans.

For more information, CLICK HERE. You can watch a presentation on all your benefit plans, and find coverage changes, insurance costs, forms, etc., or email Julie Cyptar.

CLICK HERE for more information about the free labs and medications provided by Kavira

If you are injured at work, please call the SFM Injury Hotline at 855-675-3501.  You’ll speak with a nurse who can recommend what to do next, and will also report your injury to HR.   We will follow up with a claim number and the name of your SFM claims representative.

If you need medical care, you have the right to choose your own doctor.  Urgent Care and walk-in clinics are available if you don’t have a personal doctor.   Be sure to tell the clinic that it is a work-related injury and provide the SFM workers comp insurance information.  You’ll also need to ask for a workability form listing any restriction or if further medical care is needed.

if you have further questions please direct them to hr@isd623.org.