Open Enrollment

*Open Enrollment 2022 begins July 25th, 2022 at 8:00 AM and closes August 11th, 2022 at 4:00 PM*

*Please keep in mind that even though your Skyward Employee ID # includes a 1 at the beginning, your SmartBen log in is still formatted using your 5 digit employee ID #*

Effective 10/1/2022 the changes listed below will be in effect:

District Contribution:
- Increase of 3.9%

- 3.9% increase in premiums
- Elimination of the High Plan
Questions for Cigna? Contact them on the FHSD dedicated Pre-Enrollment Hotline phone # is 888-806-5042

Aetna Dental:
- Increase in annual max to $1,750

Family Dental Services:
- 3% increase in premiums

- 10% increase on services that require a lab fee

Cigna Dental:
If choosing one of the Cigna DHMO plans, please note that it may be difficult to find an in-network dentist and the network may change during the plan year.

- 1.35% decrease in premiums
- Enhanced benefit with Eye360

- Move from MetLife to Lincoln Financial
- Increase/enroll in employee voluntary life up to $200,000 without proof of insurability
- Increase/enroll in spouse voluntary life up to $50,000 without proof of insurability

Please review the documents in the following order:

  1. Review the above information.
  2. Review the Open Enrollment Book that applies to you.
  3. Review the Premium Cost Sheets below, which detail the cost breakdown of your benefit options.
  4. Review Instructions on Enrolling in SmartBen 
    • Reminder: print and review your confirmation page, retain for your records.
  5. High plan VS Base plan comparison for employees | High plan VS Base plan for retirees
  6. Employees and Retirees who carry their spouse on FHSD MEDICAL plan must complete the Spousal Exclusion Form and send in to the Benefits Office prior to the end of Open Enrollment. Both benefit eligible employees need to complete the spousal exclusion form and check the “spouse works for the district” box.
  7. Employees who are currently enrolled in supplemental employee during 2022-2023 Open Enrollment period. This enrollment is considered a "true open enrollment" meaning any employee, whether previously electing coverage or not, can elect up to the Guaranteed Issue Of $200,000 without providing Evidence of Insurability Form. Elections exceeding the $200,000 Guaranteed Issue Amount will require Evidence of Insurability. Visit the My Lincoln Portal and log on using the code FHSD-EE. Lincoln Financial Group evidence of insurability forms must be submitted electronically in order to be considered. 

If you need SmartBen assistance, the following enrollment labs will be held at the Administration Building at 4545 Central School Rd.

Thursday, August 4 | 9:00 - 11:30 AM
Friday, August 5 | 10:00 AM - 12:30 PM
Tuesday, August 9 | 5:00 - 6:30 PM

This is a passive enrollment. If you don’t do anything, your current benefits will roll over into the next plan year at the new rates. 
If you are enrolled in the High plan and do not do anything, you will be automatically enrolled in the Base plan for the new plan year. 

If you still have questions after reviewing the above information and links, please contact the Benefits Office at [email protected] or call 636-851-6099.
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