Employee Benefit Summary - EFFECTIVE JANUARY 1, 2024
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2024
Employee
Benefit Summary
EFFECTIVE JANUARY 1, 2024
MEDICAL, D E N TA L ,
V I S I O N , D RU G , F S A ,
LIFE INSURANCE,
403(b) & 457(b),
AND RETIREMENT
BENEFITS
Benefits Plan Highlights for 2024
¡ There are no changes to MCPS-offered medical, prescription,
dental, or vision plans for 2024.
Employee and Retiree Service Center ¡ 45 W. Gude Drive, Suite 1200, Rockville, MD 20850
301-517-8100 ¡ www.montgomeryschoolsmd.org/departments/erscBoard of Education
Ms. Karla Silvestre
President
Mrs. Shebra L. Evans
Vice President
Ms. Lynne Harris
Ms. Grace Rivera-Oven
VISION
Mrs. Rebecca K. Smondrowski
We inspire learning by
providing the greatest Ms. Brenda Wolff
public education to each
and every student. Ms. Julie Yang
Mr. Sami Saeed
MISSION Student Member
Every student will have
the academic, creative Montgomery County Public Schools (MCPS)
problem solving, and Administration
social emotional skills
to be successful in Monifa B. McKnight, Ed.D.
Superintendent of Schools
college and career.
Mr. M. Brian Hull
CORE PURPOSE Chief Operating Officer
Prepare all students to Patrick K. Murphy, Ed.D.
thrive in their future. Deputy Superintendent
Mr. Brian S. Stockton
CORE VALUES Chief of Staff
Learning
Mrs. Stephanie P. Williams
Relationships General Counsel
Respect
Excellence Ms. Elba M. Garcia
Equity Senior Community Advisor
Dr. Patricia E. Kapunan
School System Medical Officer
850 Hungerford Drive
Rockville, Maryland 20850
www.montgomeryschoolsmd.org2024 Montgomery County Public Schools 2024 Employee Benefit Summary for Active Employees Montgomery County Public Schools (MCPS) provides a comprehensive benefit plan for employees, retirees, and their eligible dependents. As an eligible MCPS employee, you have a variety of benefit options from which to choose, including benefits to protect your health, your income, and your future. The Employee Benefit Summary provides an overview of the benefits available to eligible active employees, effective January 1, 2024. This summary includes information about eligibility for MCPS benefits, a list of benefit costs, opportunities to reduce benefit costs through the Wellness Initiatives program, and important contact information. It also includes instructions for accessing the online Benefits Enrollment System (BES) during Open Enrollment, for new employees enrolling in benefits for the first time and for employee experiencing a qualifying life event during the plan year. Keep in mind that this is a summary of the MCPS benefit plan and is intended to help you understand and properly enroll in the plan. Full benefit plan details are available on the Employee and Retiree Service Center (ERSC) website at www.montgomeryschoolsmd.org/departments/ersc. The website includes summary plan and evidence of coverage documents, along with links to provider websites. ERSC staff members are available to assist you in person Monday through Friday from 8:00 a.m.–4:30 p.m., by telephone Monday–Friday from 8:00 a.m.–4:15 p.m., and via email. Our address, telephone number, and email address are below: Montgomery County Public Schools Employee and Retiree Service Center 45 West Gude Drive, Suite 1200 Rockville, Maryland 20850 301-517-8100 ERSC@mcpsmd.org Important Notice You are not enrolled automatically in the MCPS employee benefit plan. New employees must enroll online within 60 days following employment or wait for a future Employee Benefits Open Enrollment, typically held for four weeks beginning in early October, with coverage effective January 1 of the following year. To enroll online, new employees must log in to the Benefits Enrollment System (BES) by visiting the Employee Self Service (ESS) web page at: www.montgomeryschoolsmd.org/departments/ersc/employees/employee-self-service/ From there, click the Benefits enrollment for new employees link, log in with your Outlook username and password, and follow the onscreen instructions. During Open Enrollment, employees visit the ESS web page and click the Open Enrollment link to log in to the BES and make changes to their benefits. Outside of Open Enrollment, employees who experience a qualifying life event or return from long-term leave must visit ESS and click the Benefits enrollment/changes due to a qualifying life event link to log in to BES and re-enroll in or make changes to their benefits.
2024
Table of Contents
About Your Benefits ................................................................................................................... 1
Who is Eligible ............................................................................................................................................. 1
Eligible Dependents .............................................................................................................................. 1
Disabled Dependents ............................................................................................................................ 1
When Benefits Coverage Begins .................................................................................................................. 2
Special Rule for Newly Hired 10-Month Employees ........................................................................... 2
Special Rule for 10-Month Employees Who Terminate Employment or Retire .................................. 2
Enrolling New Dependents ........................................................................................................................... 2
Changes in or Cancellation of Coverage....................................................................................................... 3
Loss of Non-MCPS Coverage .............................................................................................................. 4
Paying for Coverage ..................................................................................................................................... 4
When Benefits Coverage Ends ..................................................................................................................... 4
Special Rule for 10-month Employees ................................................................................................. 5
Continuation of Benefits (COBRA) .............................................................................................................. 5
Insurance Coverage While on Leave ............................................................................................................ 5
Out-of-Area Coverage .................................................................................................................................. 6
Coordination of Benefits ............................................................................................................................... 6
Birthday Rule ........................................................................................................................................ 6
Enrollment in Medicare ................................................................................................................................ 7
Enrollment Basics ....................................................................................................................... 8
Using the Online Benefits Enrollment System (BES) .................................................................................. 8
Submitting Supporting Documentation ........................................................................................................ 8
Your Benefits at a Glance .......................................................................................................... 9
Wellness Initiatives ................................................................................................................... 10
Biometric Health Screenings ...................................................................................................................... 10
Health Risk Assessments ............................................................................................................................ 10
Medical Coverage ..................................................................................................................... 10
Point-of-Service Plan .................................................................................................................................. 11
Cigna Open Access Plus .................................................................................................................... 11
Health Maintenance Organizations ..................................................................................................... 12
Cigna Open Access Plus In-Network ................................................................................................. 11
Kaiser Permanente HMO .................................................................................................................... 12
Preventive Care Services ............................................................................................................................ 12
Other Benefit Plan Coverage ................................................................................................... 18
Dental Coverage........................................................................................................................ 18
CareFirst Preferred Dental Plan (PPO) ....................................................................................................... 18
Aetna Dental Maintenance Organization (DMO) ....................................................................................... 192024
Kaiser Permanente Dental Plan................................................................................................................... 19
Vision Coverage ........................................................................................................................ 21
Davis Vision Plan ....................................................................................................................................... 21
Kaiser Vision Plan ...................................................................................................................................... 22
Prescription Drug Coverage .................................................................................................... 22
CVS/Caremark Prescription Plan................................................................................................................ 22
Kaiser Permanente Prescription Plan .......................................................................................................... 26
Life Insurance............................................................................................................................ 27
Employee Life Insurance ............................................................................................................................ 27
Basic Employee Term Life Insurance................................................................................................. 27
Optional Employee Term Life Insurance............................................................................................ 27
Dependent Term Life Insurance ................................................................................................................. 28
Basic Dependent Term Life Insurance ............................................................................................... 28
Optional Dependent Term Life Insurance .......................................................................................... 28
Flexible Spending Accounts .................................................................................................... 28
403(b) Tax Sheltered Savings and 457(b) Deferred Compensation Plans .......................... 30
Applying for Distribution of Funds from 403(b) and/or 457(b) Accounts After Retirement ............. 31
Well Aware: Employee Wellness Program ............................................................................... 31
Retirement Benefits .................................................................................................................. 32
Social Security ............................................................................................................................................ 32
Pension Plans .............................................................................................................................................. 32
Postretirement Health Benefits ................................................................................................................... 32
Wellness Initiatives in Retirement .............................................................................................................. 32
Employee Benefit Rate Charts ................................................................................................. 332024
Stepchildren:
About Your Benefits Social Security number and
valid birth certificate or valid birth
WHO IS ELIGIBLE registration and
You are eligible to enroll in the employee shared or joint custody agreement (court
benefit plan if you are a permanent MCPS validated) up to age 18
employee regularly scheduled to work 20 hours
or more per week. If your spouse has health Adopted Children, Foster Children, Children in
coverage through the MCPS employee benefit Guardianship or Custodial Relationships:
plan and you are a covered dependent, you may Social Security number and one of the
not enroll for coverage as an individual under following:
the MCPS employee benefit plan.
o adoption documents (court validated)
o guardianship or custody documents
Eligible Dependents (court validated)
You may choose to cover your eligible dependents o foster child documents (county, state, or
under the MCPS employee benefit plan. Eligible court validated)
covered dependents must be enrolled in the same
benefits plan in which you are enrolled. Disabled Dependents
Any disabled dependent child remains eligible
Eligible dependents include your—
for medical and prescription coverage until the
spouse, and end of the month in which he/she turns 26. A
disabled dependent remains eligible for dental,
eligible children who meet the following age and vision coverage until the end of the month in
requirements: which he/she turns 24. Disabled dependents
o until the end of the month in which they remain eligible for life insurance coverage until
turn 26 for medical and prescription September 30 following his/her 23rd birthday.
coverage However, your disabled dependent child(ren)’s
o until the end of the month in which they coverage may be continued beyond these age
turn 24 for dental and vision coverage limits if—
o until September 30 following their 23rd he or she is permanently incapable of self-
birthday for life insurance coverage support because of intellectual disability or
The documentation you submit to show physical disability, or he/she became
eligibility of a spouse or child(ren) must include disabled, and
but is not limited to the following: the disability occurred before he or she
Spouse: reached age 19.
It is your responsibility to notify MCPS of the
Social Security card and
child’s incapacity and dependency to be
valid marriage certificate or current joint tax considered for continuous benefits coverage. If
return (signed by both parties or a copy of MCPS is not notified prior to—
the confirmation of electronic submission)
the dependent’s 26th birthday, medical and
Newborn or Biological Children: prescription benefits will be cancelled;
the dependent’s 24th birthday, dental and
Social Security card and
vision coverage will be cancelled; and
valid birth certificate or valid birth
registration
EMPLOYEE BENEFIT SUMMARY
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September 30 following the dependent’s 23rd the chart below to see when your coverage
birthday, life insurance will be cancelled. would begin:
Unless otherwise terminated in accordance with
the plan terms, coverage will continue as long as If you submit your Your coverage will
the disabled child is incapacitated and online enrollment: begin on:
dependent. You will be asked to provide the plan On or before January 20 February 1
administrator with proof that the child’s
Between January 21 and
incapacity and dependency existed prior to age March 1
February 20
19. Before the plan administrator agrees to the
extension of coverage, the plan administrator On February 21 April 1
may require that a physician chosen by your
health plan examines the child. The plan
administrator may ask for ongoing proof that the Special Rule for Newly Hired
child continues to be disabled. If you do not 10-Month Employees
provide proof that the child’s incapacity and If you are a 10-month employee reporting at the
dependency existed prior to age 19, as described beginning of a school year, your coverage will
above, coverage for that child will end at the end begin October 1 if you enroll by September 20.
of the month in which he/she turns age 26 for If you enroll from September 21 to October 20,
medical and prescription coverage, at the end of your coverage will begin November 1. You must
the month in which he/she turns age 24 for enroll within 60 days of initial employment.
dental and vision coverage, and on September
30 following his/her 23rd birthday for life Special Rule for 10-Month
insurance. Employees who Terminate
If you change your medical plan, you will be Employment or Retire
required to submit new medical documentation A 10-month employee who terminates
to the new health plan provider for review. employment or retires prior to their last duty day
will be issued a refund for any pre-paid health
Coverage ends if you predecease your disabled insurance deductions (medical, dental, vision,
dependent, except as provided under federal prescription).
Consolidated Omnibus Budget Reconciliation
Act (COBRA) legislation. A 10-month employee who terminates
employment as of their last duty day or retires
effective July 1, August 1, or September 1 will
WHEN BENEFITS COVERAGE maintain their health benefits through September
BEGINS 30. This is the date through which their benefits
New employees must enroll in benefits via the have been prepaid.
online Benefits Enrollment System (BES) within
60 days of initial employment or wait until a ENROLLING NEW DEPENDENTS
future Open Enrollment to enroll online. (See
Enrollment Basics in this booklet for benefits Your new dependents are not covered or
enrollment instructions.) Coverage begins on the enrolled automatically under the benefit plan—
first day of the month following the month that you must take action to enroll new dependents in
you enroll, provided you submit your online your plan. You may enroll a new eligible
enrollment by the 20th day of the month. dependent in your benefit plan during Open
Enrollment or when you experience a qualifying
If you enroll online after the 20th day of the life event.
month, your benefits coverage begins on the first
day of the second month. For example, let’s
assume you are hired on December 23. Refer to
EMPLOYEE BENEFIT SUMMARY
22024
Please note that you must enroll your new instructions.) You will be required to provide
dependent through ERSC, not through the supporting documentation.
benefit plan provider.
Refer to the chart below for information about
When you enroll a dependent in your plan, enrolling an eligible dependent if you experience
whether as a new employee, during Open a qualifying life event. It includes important
Enrollment, or due to a qualifying life event, you deadlines and documentation you are required to
are required to use the BES. (See Enrollment submit. Note: All documentation must be
Basics in this booklet for benefits enrollment translated to English prior to submitting it to
ERSC.
Qualifying Life Event Forms Required Deadline to Add
Newborn/adopted child Social Security card* 60 days from the date of birth or adoption
Birth certificate/registration* or
Legal court documentation
Legal guardianship/custody Social Security card* 60 days from the court award of legal
Legal court documentation guardianship
Spouse Social Security card 60 days from the date of marriage
Marriage certificate
Loss/gain of coverage Insurance cancellation form or 60 days from the date of loss/gain of
COBRA notice coverage
* If you cannot provide a copy of the Social Security card and a birth certificate or birth registration within
the 60-day time frame, you may enroll your newborn with evidence that you have applied for a social
security number and a birth certificate or birth registration. You must provide the social security card and
birth certificate or birth registration to ERSC upon receipt. Failure to provide this information in a timely
manner will result in termination of coverage.
Coverage for your newborn/newly adopted CHANGES IN OR CANCELLATION
dependent child(ren) will be retroactive to the OF COVERAGE
date of birth, adoption, or legal guardianship
when forms are submitted within the 60-day In general, you are not permitted to make
time frame. changes to your benefits plan during the plan
year. You may make changes to your benefits
If ERSC receives all required documentation by plan during the annual Open Enrollment held
the 20th of the month, coverage for your new each fall.
dependent will begin on the first day of the
following month. If ERSC receives the forms Certain benefit changes may be made during the
and necessary documents after the 20th of the plan year if you experience a qualifying life or
month, coverage for your new dependent will work event. Qualifying life or work events
start on the first day of the second month. include:
If you do not enroll your new dependent within Marriage/divorce
the 60-day time frame listed above, you must Birth of child; adoption or legal
wait until a future Open Enrollment to enroll guardianship
him or her using the BES.
Death
EMPLOYEE BENEFIT SUMMARY
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Aging off plan of your coverage will become effective on the
first day of the following month. If ERSC
Change of work status (e.g., you are a .4 receives the forms after the 20th of the month,
paraeducator, not benefits eligible, and your changes to your coverage will become effective
hours increase to .6—you now are benefits on the first day of the second month.
eligible)
If you do not enroll and provide the necessary
Loss of non-MCPS coverage
documentation within the 60-day period, you
Changes due to qualifying life or work events must wait until a future Open Enrollment to
may be made during the plan year, as described make any changes using the BES.
in the section Enrolling New Dependents.
Remember: It is your responsibility to
You may cancel your coverage at any time, but promptly notify ERSC of any changes to your
you may not cancel your dependent’s coverage personal information (e.g., name or address)
without proof that the dependent has coverage or coverage needs.
elsewhere. It is recommended that you notify
ERSC promptly because removing a Loss of Non-MCPS Coverage
dependent could change your coverage level You may enroll in an MCPS-provided benefits
and reduce your cost. You must provide plan during the plan year if you or your benefits-
evidence of other coverage in order to drop a eligible dependents lose coverage provided by a
dependent from coverage. business or organization other than MCPS. Your
benefits coverage will be effective the first of
Also, while you may add or drop yourself, a the month following your enrollment.
spouse, or dependent(s) from your benefits plan
outside of Open Enrollment due to a qualifying
event, you may not make changes to your
PAYING FOR COVERAGE
benefits plan outside of Open Enrollment. This You pay for your health plan coverage with
means you may not change insurance plans or premiums deducted from your paycheck on a
cancel individual components of your benefit pretax basis. Your premiums are deducted
plan during the plan year. before income and payroll taxes are calculated,
If you choose to cancel coverage outside of and your deductions are taken in equal amounts.
Open Enrollment, you must cancel the entire The detailed cost is shown on your ePaystub.
employee benefit plan—with the exception of Ten-month employees have deductions
life insurance coverage(s). taken from 20 paychecks during the school
year.
To cancel or change coverage due to a
qualifying life event outside of Open Twelve-month employees have deductions
Enrollment, you must visit the Employee Self- taken from 26 paychecks.
Service web page at
www.montgomeryschoolsmd.org/departments/er Refer to the rate chart at the end of this
sc/employees/employee-self-service/ and click on document for the base health coverage costs for
the Benefits enrollment/changes due to a 2024.
qualifying life event link. You have 60 days
from the date of the qualifying event to enroll WHEN BENEFITS COVERAGE ENDS
and submit the required supporting
If you terminate employment with MCPS,
documentation to ERSC. You must either
benefits coverage for you and any covered
upload this information to the BES when you
dependents ends on the last day of the month
enroll or mail it to ERSC.
you terminate employment.
If ERSC receives all required documentation by
the 20th of the month, changes to or cancellation
EMPLOYEE BENEFIT SUMMARY
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Dependent life insurance coverage for a Depending on the type and duration of your
dependent child automatically ends on leave of absence, you may be required to pay
September 30 following the child’s 23rd either the employee share or the full cost of
birthday. For dental and vision plans, benefits coverage. For most unpaid leave categories,
coverage for a dependent child automatically there is not an MCPS subsidy, and you are
ends at the end of the month in which he/she responsible for 100 percent of the cost of
turns age 24. For medical and prescription plans, insurance while on leave. More information
a dependent child’s coverage automatically ends regarding leave of absence policies is available
at the end of the month in which he/she turns on the ERSC website at
age 26. www.montgomeryschoolsmd.org/departments/er
sc/employees/leave/.
Special Rule for 10-month You may elect to terminate coverage by
Employees indicating your choice on the appropriate BES
If you are a 10-month employee and you screen(s). If you wish to continue coverage
terminate employment with MCPS at the end of while on leave, no action is required.
a school year (on your last duty day based on
your work schedule), your coverage continues You can continue life insurance coverage
through September 30 because you have prepaid without continuing medical, dental, vision, or
for benefits through the summer. prescription coverage. If you elect to continue
life insurance coverage, you will be billed by the
MCPS Division of Controller. Failure to pay the
CONTINUATION OF BENEFITS required premium will result in cancellation of
(COBRA) coverage.
If your coverage ends, you and your dependents Please be advised that if you terminate your
may be eligible to continue coverage as provided coverage while on leave and, after returning to
under COBRA. work, wish to re-enroll in benefits, you must do
You and/or your dependents may become so within 60 days of returning to active work
eligible for coverage under COBRA if you status. You must re-enroll in the same coverage
terminate employment or you and/or your you had prior to going on leave. If you had
dependents become ineligible for coverage covered dependents prior to going on leave, the
under the MCPS benefits plan. You may same dependents will remain eligible for re-
continue coverage by paying the full cost of enrollment. If you marry, have a child, or adopt
coverage plus a 2 percent administrative fee for a child while on leave, they may be added to
a period legally-mandated by COBRA your plans with the appropriate qualifying event,
regulations (generally 18–36 months). within 60 days of the event. If the birth or
marriage occurred outside of the last 60 days
MCPS does not share the cost of COBRA while on leave, you will need to wait to add the
coverage. A COBRA rate chart can be found on new dependent during Open Enrollment or when
the ERSC website. You will receive a qualifying experiencing another qualifying life event.
event notice (QEN) from the MCPS third party
administrator. In most cases, you cannot continue your
participation in a flexible spending account
(FSA) while on leave. Your FSAs are cancelled
INSURANCE COVERAGE WHILE as of the last deduction taken once you are on
ON LEAVE leave, and you must reenroll within 60 days of
If you are on an approved leave of absence, you returning from leave. You can incur expenses up
may elect to continue or terminate your coverage to the date your leave begins and have until
under the MCPS employee benefit plan. April 30 following the plan year to submit
claims for reimbursement.
EMPLOYEE BENEFIT SUMMARY
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While on an approved leave of absence Permanente service area, you can get care at a
protected by the Family and Medical Leave Act MinuteClinic® and you will be charged your
(FMLA), you may choose to re-enroll in an standard copay or coinsurance. Learn more at
FSA. To do so, complete and submit MCPS kp.org/travel. Refer to the HMO summary plan
Form 450-3, Flexible Spending Account Election document for details.
to have your FSA contributions direct billed to
you. Members of the Cigna OAP (POS) plan or
OAPIN (HMO) plan have access to a national
If you fail to reenroll in the employee benefit network of doctors and medical facilities. Both
plan within 60 days of returning to active work plans provide in-network benefits should you
status, you must wait until a future Open and/or your dependents seek medical care while
Enrollment. In order to reenroll for basic travelling or living outside the service area. If
employee life insurance or optional employee you are covered by the Cigna OAP plan, you
and optional dependent life insurance, you and also have the option to see a nonparticipating
your spouse must provide evidence of provider, but your out-of-pocket expense will be
insurability and be approved by MetLife. higher if you do. If you receive services from a
provider outside of the network, you will have
If you are absent from work without approved to—
leave, you still are required to pay health pay the provider’s actual charge at the time
insurance premiums. If in any given pay period you receive care,
you do not have sufficient funds to cover the
file a claim for reimbursement, and
cost of your insurance premiums, the premiums
will be withheld from your next paycheck. In the satisfy a deductible and coinsurance.
event of a longer unapproved absence from
work, you will be billed the full cost premium COORDINATION OF BENEFITS
rate. Please keep in mind that you could
If you or one of your dependents is covered by
jeopardize your eligibility to continue health
more than one insurance plan, there is an order
insurance coverage if you are absent without
of benefits determination established by the
approved leave. For additional information
National Association of Insurance
about leave of absence policies, visit the ERSC
Commissioners. The primary plan will be the
website at
first to consider the medical services rendered
www.montgomeryschoolsmd.org/departments/er
for coverage. Any medical care not covered by
sc/employees/leave/
the primary plan in full will be considered for
payment by the secondary plan.
OUT-OF-AREA COVERAGE
Your employee plan is your primary coverage
If you are enrolled in the Kaiser Permanente over any other plan that covers you as a
Health Maintenance Organization (HMO) dependent spouse.
medical plan, any eligible dependents that reside
or attend school outside the service area of the Birthday Rule
HMO will be covered only for urgent care or If dependent children are enrolled for insurance
emergency services. coverage with both biological parents (one
MCPS plan, one non-MCPS plan), the primary
You are covered anywhere in the world for
insurance plan for the children is determined by
emergency and urgent care with your Kaiser
the birthday of the parents.
Permanente plan. If you regularly travel to
another service area where you will receive The plan of the parent with the birthday that
Kaiser Permanente care, you can get a comes first in the calendar year (month and day
health/medical record number and a kp.org only) is primary for the child(ren). This order of
account to seamlessly receive care. When benefits determination for dependent children is
travelling in an area outside of any Kaiser known as the birthday rule.
EMPLOYEE BENEFIT SUMMARY
62024
All medical plans offered by MCPS use the If you and/or your dependent(s) become
birthday rule for primary insurance plan Medicare eligible at any time due to end-stage
determination. The birthday rule does not apply renal disease (ESRD), you must notify ERSC at
to stepchildren. Primary care for dependent 301-517-8100.
stepchildren is determined by the courts.
Detailed information about post-retirement
health coverage and Medicare is provided during
ENROLLMENT IN MEDICARE the Retirement Informational Sessions offered
As an active MCPS employee, if you and/or by ERSC and also is included in the Retiree
your covered dependent(s) are eligible for Benefit Summary, which is available online at
Medicare due to age, illness, or disability, you www.montgomeryschoolsmd.org/uploadedFiles/
may defer Medicare Part B enrollment without retiree_benefit_summary_current.pdf.
penalty as long as you are covered by any active
MCPS medical plan. Deferring Medicare
enrollment will save you the cost of additional Please Note
monthly Medicare Part B premiums while Application for Medicare Part B is completed through your
maintaining your MCPS medical coverage. local Social Security office or online at:
Enrollment in Medicare Part B will not provide https://www.ssa.gov/benefits/medicare/
additional medical coverage beyond what
already is included in all MCPS medical plans.
Therefore, employees typically defer Medicare
Part B enrollment until retirement when deferral
no longer is permitted.
If you and/or your qualified dependent(s) defer
Medicare enrollment, you still will be required
to enroll in Medicare Parts A and B when you
retire and no longer are covered by the active
employee health plan. Enrollment in Medicare
must coincide with your retirement date and is
arranged by contacting the Social Security
Administration at least three months prior to
your retirement. At the time of your retirement,
you must submit a copy of the Medicare card(s)
to ERSC with your retirement papers.
Conveying this information to ERSC will
initiate the necessary process to update your
benefit enrollment and notify the insurance
carriers.
All retirees and dependents covered by any
MCPS retiree medical plan are required to enroll
in Medicare Parts A and B when first eligible to
remain covered by the MCPS plan. Once
enrolled, Medicare will be your primary
insurance, and the MCPS medical plan provides
secondary coverage as a supplement to
Medicare.
EMPLOYEE BENEFIT SUMMARY
72024
Enrollment Basics
Email: ERSC@mcpsmd.org
Mail: 45 W. Gude Drive, Suite 1200,
Rockville, Maryland 20850
USING THE BENEFITS ENROLLMENT
SYSTEM (BES) Pony mail: ERSC at 45 W. Gude Drive
Fax: 301-279-3651 or 301-279-3642
Employees who wish to enroll in or make
changes to their benefits either when first hired, If you choose to submit supporting
during an annual Employee Benefits Open documentation via the BES or email, you must
Enrollment, or when experiencing a qualifying submit an electronically signed Adobe PDF file.
life event or returning from long-term leave When submitting hard copies of supporting
must make their elections using the BES. To documentation, please write your name and
access and use the system, visit the Employee employee identification number in the upper
Self-Service (ESS) web page at right corner of each page.
www.montgomeryschoolsmd.org/departments/er
sc/employees/employee-self-service/.
If you are a new employee, click on the Benefits
enrollment for new employees link. Those
making changes during Open Enrollment click
on the Open Enrollment link. Those
experiencing a qualifying life event click on the
Benefits enrollment/changes due to qualifying
life event link. Then, log in using your Outlook
username and password and follow the onscreen
instructions.
The BES allows you to quickly and easily
review, update, and confirm your benefit
elections; elect a medical or dependent care
flexible spending account (FSA); and designate
your life insurance beneficiaries. Since it is
online, there are no paper forms to fill out or
send in. You simply make your elections and
submit them with a series of clicks.
SUBMITTING SUPPORTING
DOCUMENTATION
Employees adding a dependent to their benefit
plan—whether during Open Enrollment or due to
a qualifying life event—must submit the
necessary supporting documentation to ERSC.
Supporting documentation may be uploaded
during the online enrollment process via the BES
or mailed or delivered in one of the following
ways:
EMPLOYEE BENEFIT SUMMARY
82024
Your Benefits at a Glance
The chart below is a brief overview of your benefit options for 2024. For more information, refer to the
appropriate section in this benefits summary.
Benefit Your Options
Protecting Your Health
Medical
Point-of-Service (POS) Health Plans Cigna Open Access Plus (OAP)
Health Maintenance Organizations Cigna Open Access Plus In-Network (OAPIN)
(HMO) Health Plans Kaiser Permanente HMO
Prescription Drug CVS Caremark Prescription Drug
(only available to Cigna plan participants)
Kaiser Permanente Prescription Drug
(only available to Kaiser Permanente plan participants)
Dental CareFirst Preferred Dental Plan (PPO)
Aetna Dental Maintenance Organization (DMO)
Kaiser Permanente Preventive Dental Coverage
(included in medical plan; available only to Kaiser Permanente medical plan
participants)
Vision Davis Vision (provided through CareFirst)
Kaiser Permanente Vision Plan
(included in medical plan; available only to Kaiser Permanente medical plan
participants)
Wellness Initiatives Health Risk Assessments
Biometric Health Screenings
Protecting Your Income
Flexible Spending Accounts Medical spending account (up to $3,050/year)
Dependent care account (up to $5,000/year or $2,500/year if filing separately)
Basic Term Life Insurance MetLife—
Employee (83 percent paid by MCPS)—2 times annual salary
Dependent (paid by MCPS)—$2,000/spouse, $1,000/each eligible dependent
child up to age 23
Optional Life Insurance MetLife—
Employee—1 times annual salary (paid by employee)
Dependent—$10,000/spouse or each eligible dependent child (paid by
employee)
Protecting Your Future
Defined Contribution Plans Fidelity—You can elect a percentage of your gross bi-weekly pay or a flat dollar
403(b) Tax Sheltered Savings Plan amount to contribute to one or both plans up to annual IRS limits (available at
457(b) Deferred Compensation Plan www.netbenefits.com/mcps)
Defined Benefit Pension Plans By completing the appropriate forms, you are enrolled in state and/or county-
sponsored pension plans.
EMPLOYEE BENEFIT SUMMARY
92024
Note to Kaiser Permanente plan members:
Wellness Initiatives You must log in to the Kaiser Permanente website
at www.webmdhealth.com/kp/750/landing to
confirm your participation in the Wellness
To develop a culture of wellness within MCPS, Initiatives program and determine if you must
the Wellness Initiatives program was established meet any additional requirements.
as part of the school system’s benefit program.
Expanding the efforts of the MCPS employee HEALTH RISK ASSESSMENTS
wellness program, Well Aware, the program is
intended to educate employees about their health Health risk assessments are online surveys that
while offering incentives to those who ask basic health and lifestyle questions to
participate. Wellness Initiatives is in accordance provide you with a baseline of your current
with Montgomery County Education health status. If you complete a health risk
Association (MCEA), Service Employees assessment by the deadline, your contribution to
International Union (SEIU) Local 500, and your health insurance will be reduced by 1
Montgomery County Association of percent.
Administrators and Principals (MCAAP)/
Montgomery County Business and Operations Your online health risk assessment must be
Administrators (MCBOA) contracts. completed through the medical plan in which
you are enrolled. If you have not already done
Each year, if you are covered by an MCPS- so, you will need to create an online account
provided medical insurance plan through Cigna with your medical plan. To set up your account,
or Kaiser Permanente, you can reduce your visit your medical plan’s website (listed below)
contributions to your health insurance by and complete a simple registration process:
completing a biometric health screening and/or
an online health risk assessment. You must • Cigna—www.MyCigna.com
complete them between the first day of fall • Kaiser Permanente—www.kp.org
Open Enrollment and the Friday before the MCPS will not receive the results of your
next Open Enrollment begins a year later. biometric health screening or health risk
Once you have completed your biometric health assessment. Your health insurance carrier will
screening and/or health risk assessment, the only indicate whether you have completed your
incentive(s) will go into effect January 1 of the screening and/or assessment. Your personal
calendar year that follows the deadline. information is protected by the federal Health
Information Portability and Accountability Act.
BIOMETRIC HEALTH SCREENINGS
Biometric health screenings monitor for disease
and assess risk for future medical problems. By Medical Coverage
completing a biometric health screening of your
blood pressure, blood sugar, body mass index You may choose one of the following medical
(BMI), and cholesterol, you will be eligible for a plan options:
1 percent increase in MCPS contributions
toward your health insurance. This means that Point-of-Service (POS) option:
your contribution to your health insurance will Cigna Open Access Plus (OAP)
be reduced by 1 percent if you complete the
biometric screenings within the above time Health Maintenance Organization (HMO)
frame. Your health screening may be completed options:
by your primary care physician or at one of your Cigna Open Access Plus In-Network
medical plan’s health screenings sponsored by (OAPIN)
Well Aware.
Kaiser Permanente HMO
EMPLOYEE BENEFIT SUMMARY
102024
POINT-OF-SERVICE PLAN emphasizes preadmission screening and prior
authorization for specific services.
A POS plan combines features of an HMO and
an indemnity plan. You receive care in one of As a participant in this plan, you have access to
two ways. There is an in-network HMO-like Cigna’s national network of doctors and
component offering a full range of services facilities. The availability of a national network
provided or authorized by your primary care allows access to in-network care for members
physician or by an in-network specialist. In wherever you are in the country, when traveling,
addition, there is an out-of-network component and for dependent children when they are living
similar to traditional indemnity insurance. The out of state.
out-of-network benefit provides payment for
Diabetic supplies are covered under the
treatments received from non-network
prescription drug benefit administered by
physicians or specialists after the coinsurance
CVS/Caremark. Refer to the POS comparison
and a yearly deductible are met. You also will be
chart later in this document for more details.
responsible for any amount above the usual,
customary, and reasonable (UCR) charges
determined by the plan. HEALTH MAINTENANCE
ORGANIZATIONS
The POS plans do not require you to obtain a
referral to visit a participating in-network A health maintenance organization (HMO) plan
physician or specialist for medically necessary offers a full range of services provided by your
care. PCP or by an in-network specialist. You may
receive benefits only for medical services and
Cigna Open Access Plus (POS Plan) supplies received from a network provider,
MCPS offers this POS plan to employees and except in a true emergency. However, you do
their eligible dependents through Cigna. Cigna not have to meet a deductible before the plan
Open Access Plus (OAP) is designed to provide pays benefits.
the highest quality healthcare while maintaining
the freedom to choose from a wide selection of Refer to the HMO comparison chart outlined
personal physicians. You have the option to later in this document for further details.
choose a PCP who specializes in one of these
areas: family practice, internal medicine, general
Cigna Open Access Plus In-Network
medicine, or pediatrics. Your PCP or personal (HMO Plan)
physician can be a source for routine care and The Cigna Open Access Plus In-Network
for guidance if you need to see a specialist or (OAPIN) option allows participants to visit any
require hospitalization. To access an online Cigna network provider without a referral.
provider directory, please visit www.cigna.com. Cigna offers access to care from participating
physicians and facilities, with low out-of-pocket
With this plan, you have the option to go to any expenses. You may have the option to choose a
medical person and facility. However, when PCP to coordinate your care, and pay only a
choosing the providers in the OAP network, copayment for most services. You do not have to
your benefit coverage will be greater than opting complete a claim form.
to receive services outside the network.
As a participant in this plan, you have access to
Cigna OAP provides well-managed services to Cigna’s national network of doctors and
deliver cost-effective, quality care through the facilities. The availability of a national network
physicians’ private offices and facilities. To allows access to in-network care for members
ensure full and proper medical treatment, and wherever you are in the country, when traveling,
reduce unnecessary procedures, this plan and for dependent children when they are living
out of state.
EMPLOYEE BENEFIT SUMMARY
112024
In addition, Cigna offers member discounts on they are provided by in-network providers,
fitness, nutrition, and weight management regardless of your medical plan choice. The
programs. For more information on discounts, specific procedures provided for adults and
visit the MCPS Well Aware web page and children are listed separately in the following
navigate to the Discounts tab. charts. Preventive care procedures not listed
specifically will be covered by in-network
Kaiser Permanente HMO providers with copays outlined in the HMO and
Kaiser Permanente brings your doctors, POS comparison charts on the following pages.
specialists, pharmacy, labs, X-rays, and medical Out-of-network coverage remains unchanged,
facilities under one plan. There are more than 33 and copays are listed in the POS comparison
medical centers within the MCPS service area. chart later in this document.
Included are 14 Urgent Care locations, six of
which are Advanced Urgent Care centers open
24/7. You have the choice of more than 1,600
physicians in 50+ specialties from which to
choose. You may receive information about
locations at www.kp.org/locations or by
telephoning 1-800-777-7902. Medical centers
are staffed by doctors, nurses, and specialists
and offer a wide range of services such as
pharmacy, laboratory, X-ray, ambulatory
surgery, and health education. We encourage
you to select a center and PCP that best meets
your needs when you enroll in the plan. If you
do not choose a center, Kaiser Permanente
automatically will assign a center nearest to your
residence of record. You may change your
doctor anytime.
When scheduling an appointment, be sure to ask
for your PCP. You may call and change your
PCP or medical center location at any time.
Each of your covered family members may
select a center and PCP of their choice. Your
PCP is responsible for coordinating all health
needs including hospital and specialty care if
needed. If you enroll in the Kaiser Permanente
HMO, your prescription drug benefits and
diabetic supplies are provided under this plan.
Kaiser Permanente covers diabetic supplies and
provides certain discount specialty services.
Refer to the HMO comparison chart for more
information about the HMO plans.
PREVENTIVE CARE SERVICES
As a result of the Patient Protection and
Affordable Care Act, certain preventive care
procedures no longer will have copays when
EMPLOYEE BENEFIT SUMMARY
122024
Preventive Services Covered with Zero Copay for Adults*
Preventive Service Covered Who is Eligible, Additional Details
Abdominal Aortic Aneurysm Screening one-time screening for men of specified ages who have ever smoked
Alcohol Misuse Screening and Counseling all adults
Aspirin Use men and women of certain ages
Blood Pressure Screening all adults
Cholesterol Screening adults of certain ages or at higher risk
Colorectal Cancer Screening adults over 50
Depression Screening all adults
Type 2 Diabetes Screening adults with high blood pressure
Diet Counseling adults at higher risk for chronic disease
HIV Screening all adults at higher risk
Immunizations for: doses, recommended ages, and recommended populations vary
Hepatitis A
Hepatitis B
Herpes Zoster
Human Papillomavirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Tetanus, Diphtheria, Pertussis
Varicella
Obesity Screening and Counseling all adults
Sexually Transmitted Infection (STI) Prevention Counseling adults at higher risk
Tobacco Use Screening all adults and cessation interventions for tobacco users, expanded
counseling for pregnant tobacco users
* Using in-network providers only
EMPLOYEE BENEFIT SUMMARY
132024
Preventive Services Covered with Zero Copay for Women *
Preventive Service Covered Who is Eligible, Additional Details
Annual well-woman visit all women
Syphilis Screening all pregnant women, all adults at higher risk
Anemia Screening pregnant women, on a routine basis
Bacteriuria Urinary Tract or Other Infection Screening pregnant women
BRCA Counseling about Genetic Testing women at higher risk
Breast Cancer Mammography Screenings women over 40, every 1 to 2 years
Breast Cancer Chemoprevention Counseling women at higher risk
Breast Feeding Interventions women (to support and promote breast feeding)
Breast Feeding Support, Supplies, and Counseling women (to support and promote breast feeding)
Cervical Cancer Screening sexually active women
Chlamydia Infection Screening younger women and other women at higher risk
Contraceptive Methods and Counseling (FDA-approved**), all women
including:
Female Condom (OTC)
Diaphragm (P) with Spermicide (OTC)
Sponge (OTC) with Spermicide (OTC)
Cervical Cap (P) with Spermicide (OTC)]
Spermicide (OTC)
Oral Contraceptive (P)
Combined Pill
Progestin
Extended/Continuous
Patch (P)
Vaginal Contraceptive Ring (P)
Shot/Injection (P)
Morning After Pill (over 17 years of age OTC; under
17 years of age P)
IUD (P)
Implantable Rod (inserted by doctor)
Sterilization Surgery
Sterilization Implant
(OTC) Over the Counter
(P) Prescription Required
Folic Acid Supplements women who may become pregnant
Gonorrhea Screening all women at higher risk
Gestational Diabetes Screening pregnant women
Hepatitis B Screening pregnant women at their first prenatal visit
Human Immunodeficiency Virus (HIV) Counseling and all women, on an annual basis
Screening
Human Papillomavirus (HPV) Testing all women
Interpersonal and Domestic Violence Screening and all women
Counseling
Osteoporosis Screening women over age 60 depending on risk factors
Rh Incompatibility Screening all pregnant women and follow-up testing for women at higher risk
Sexually Transmitted Infections Counseling all women, on an annual basis
* Using in-network providers only
** Includes surgical, prescription, medical, and OTC services/products. Sterilization is considered a contraceptive method.
Abortion IS NOT considered a contraceptive method.
EMPLOYEE BENEFIT SUMMARY
142024
Preventive Services Covered with Zero Copay for Children*
Service Who is Eligible, Additional Details
Alcohol and Drug Use Assessments adolescents
Autism Screening children at 18 and 24 months
Behavioral Assessments children of all ages
Cervical Dysplasia Screening sexually active females
Congenital Hypothyroidism Screening newborns
Developmental Screening children under age 3, and surveillance throughout childhood
Dyslipidemia Screening children at higher risk of lipid disorders
Fluoride Chemoprevention Supplements children without fluoride in their water source
Gonorrhea Preventive Medication for the Eyes all newborns
Hearing Screening all newborns
Height, Weight, and Body Mass Index Measurements children of all ages
Hematocrit or Hemoglobin Screening children of all ages
Hemoglobinopathies or Sickle Cell Screening newborns
HIV Screening adolescents at higher risk
Immunization Vaccines for: children from birth to age 18; doses, recommended ages, and
Diphtheria, Tetanus, Pertussis recommended populations vary
Haemophilus Influenzae Type B
Hepatitis A
Hepatitis B
Human Papillomavirus
Inactivated Poliovirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Rotavirus
Varicella
Iron Supplements children ages 6 to 12 months at risk for anemia
Lead Screening children at risk of exposure
Medical History all children, available throughout development
Obesity Screening and Counseling children of all ages
Oral Health Risk Assessment young children
Phenylketonuria (PKU) Screening for Genetic Disorder newborns
Sexually Transmitted Infection (STI) Prevention Counseling adolescents at higher risk
Tuberculin Testing children at higher risk of tuberculosis
Vision Screening children of all ages
* Using in-network providers only
EMPLOYEE BENEFIT SUMMARY
152024
Health Maintenance Cigna Open Access Plus
Kaiser Permanente HMO Plan
Organization (HMO) Plans In-Network (OAPIN) Plan
Annual Deductible None None
Preventive Care
Routine Physical Exam Covered in full Covered in full
Well Baby/Child Care Covered in full (under age 5) Covered in full
Childhood Immunizations Covered in full (under age 5) Covered in full
Physician Services
Physician Office Visit $10 copay $10 copay
Specialist Office Visit $20 copay $20 copay
Lab Work and X-rays Covered in full Covered in full
$10 copay
Allergy Shots $10 copay
$20 specialist copay
Maternity Care
$10 copay, no charge once pregnancy is
Prenatal and Postnatal Care Covered in full
confirmed*
Physician Services Covered in full $10 copay
Hospital Services Covered in full Covered in full
Emergency Services (when medically necessary)
Urgent Care Centers $20 copay $20 copay
Emergency Room $150 copay (waived if admitted) $150 copay (waived if admitted)
Emergency Physician
Covered in full Covered in full
Services
Emergency Ambulance Covered in full if authorized Covered in full
Hospital Services—Inpatient
Semi-Private Room Covered in full Covered in full
Professional Services Covered in full Covered in full
Surgical Procedures Covered in full Covered in full
Specialty Care/ Consultation Covered in full Covered in full
Anesthesia Covered in full Covered in full
Radiology and Drugs Covered in full Covered in full
Intensive Care Covered in full Covered in full
Coronary Care Covered in full Covered in full
Hospital Services—Outpatient
Surgical Procedures $20 copay $20 copay
Professional Fees Covered in full $10 copay/$20 copay for specialist
Mental Health/Substance Abuse Services
Inpatient Days Covered in full Covered in full
Outpatient Visits $10 copay $10 copay
Other Services
Catastrophic Illness Covered in full Covered in full
Durable Medical Equipment Covered in full You pay 25%
Home Health Care Covered in full Covered in full
Hospice Care Covered in full Covered in full
Skilled Nursing Care Covered in full up to 100 days per contract year Covered in full
*Applies to services not specifically listed in the previous preventive care charts.
EMPLOYEE BENEFIT SUMMARY
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