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Q. What dates are Open Enrollment?

A.  Wednesday, March 6, 2024 - Tuesday, March 19, 2024

Q.  I'm happy with my benefits as they are this year, do I need to do anything?

A.  No. NKCS is offering a Passive enrollment for 2024-25 benefits, which means all benefits will roll over EXCEPT FSA      and HSA Employee Contributions.  Premiums will be updated to reflect 2024-25 rates.

Q.  I had an FSA (Flexible Spending Account) or made personal contributions to my HSA (Health Savings Account) in               2023-24.  I would like to continue my Medical and/or Dependent Care FSA or HSA for 2024-25.  Will it automatically           roll over?

A. NO. The IRS requires annal elections of FSA contrbutions and Employee HSA contributions.

Employer HSA contributions will continue if you qualified in 2023-24 and do not change your medical plan election for 2024-25

Q.  I want to make changes to my benefits or elect an FSA or HSA.  How do I do that?

A. Enrollment Options

Q. What kind of changes may I make to my benefits?

A.  Benefit changes may include:

  • Increase/decrease coverages.

  • Add/drop coverages.

  • Add/drop dependents.

Q.  I am retiring or not returning to employment for 2024-25. Does Open Enrollment apply to me?

A.  Yes.  Many positions (but not all) will have benefits that continue through 8/31 if the employee completes the school      year employment calendar.  Therefore, the employee will have benefits during July and August in the new 2024-25            benefit year.

Q. Are there changes to the medical plans for 2024-25?

A. Yes.  There are plan design changes to each of the three medical plans.  You can find those changes here.

Q.  What are the costs for medical, dental and vision for 2024-25?

A.  2024-25 Monthly Benefit Costs

Q.  I would like to compare the medical plans side by side.  Is this possible?

A.  2024-25 Medical Benefit Plan Comparisons and Costs

      B1 SBC (Summary of Benefits and Coverage)

      B2 SBC

      B3 SBC

Q.  Who is the NKCS Dental Carrier and where can I find information about them?

A.  Ameritas Dental

Q.  Is there one document or one location that will tell me about all benefits offered by NKCS?

A.  This Benefits website

      Annual Benefits Guide

Q.  Are there any changes to NKCS Voluntary Benefits?

A.  Yes.  

      Vision is changing carriers to VSP

      Voluntary Benefits

New Carrier is New York Life

New Carrier is CIGNA

Q.  When do my election changes take effect?

A.  New benefit elections begin July 1, 2024

Q.  When do the premiums effect my paycheck?

A.  Deductions:

 Benefit deductions are the month prior to coverage.  The first deductions for the new year beginning 7/1/2024 will be   

 with the June paychecks.

     Contributions:

Benefit contributions are the month of the contribution. The first FSA/HSA contributions will be with July paychecks. 

 

Q.  Can I make changes to my benefits during the Plan Year? (July 1 - June 30)?

A.   Changes for pre-tax deductions/contributions (medical, dental, vision, FSA) may only be made during Open Enrollment unless you experience a Qualifying Life Event.  Qualifying Life Event examples may include marriage, divorce, birth, adoption, death of a spouse or dependent, or change in spouse or dependent employment.  Notification of change must be made with NKCS Benefits within 30 days of the Qualifying Life Event.  Information may be found on page 3 of the annual benefit guide.

Q.  I am a current retiree.  Is my Open Enrollment the same time as active employees?

A.  No. Retirees will receive separate information from P&A Group in April.  The Cobra/Retiree Administrator is changing from Taben Group to P&A effective 4/1/2024.  Please watch for further information about this change. Open enrollment will run from approximately mid-to-late April through May 15, 2024.

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