Lighthouse Public Schools is committed to our amazing employees and contributes $3,516.36 towards YOUR medical insurance premium every year!
Your monthly rate shown here is after a monthly contribution of $293.03 made by the district to the cost of your medical insurance premium.
All Humana Medical Plans Now Include Telemedicine!
This benefit is already included in your Humana medical plan, and is available to you 24 hours a day, 7 days a week, but it does require a copay. Please ask your licensed enrollment specialist for more details.
Remember, when your needs change, FlexFSA does too! You can change your premium elections any time you have a qualifying event that would change the status and/or premium amount of your employee insurance (i.e. marriage, divorce, birth or death of a child, death of a spouse, adoption or change of employment by spouse)
*Pay Period Frequency: W = Weekly; B = Biweekly; S = Semi-monthly; M = Monthly**If you have an HSA, you are only eligible to participate in a Limited Purpose FSA if offered by your employer
Lighthouse Public Schools is proud to be able to contribute to the cost of our employees' dental premiums. If you have elected the employee only coverage, you will see that your monthly dental basic premium is $0.00, while the employee only coverage for dental with ortho is only $3.15.
$25,000 of Life and AD&D Insurance coverage is provided to you by Lighthouse Public Schools, at no cost to you.
You may purchase additional coverage below.
Accidental Death and Dismemberment (AD&D)
Additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined by contract. Additional AD&D benefit include seat belt, or air bags repatriation, child high education, child car, paralysis/loss of use, severe burns, disappearance, and exposure.
TrueFlex Universal Life Key Features:
·Available to Lighthouse Charter School Employees, their Spouse, Children and Grandchildren.
·Coverage is portable so you can take it with you even if you leave the district or retire.·Builds cash value·More affordable when you’re younger.·Whole life gives you valuable protection in addition to any term life insurance you might have.·Guaranteed Issue.·Universal Life provides higher face amounts at lower rates.·Permanent Coverage to age 121.·Level Premium Guarantees for an average of 30 years.·Individual Policies, so you can purchase on dependents even if the employee doe not purchase a policy.·All policies come with an Accelerated Death Benefit that can be accessed through a living benefit for Terminal Illness or Chronic illness at no additional cost.·Waiver of Premium and Accidental Death Riders are available at the group level.
Allstate Accident Insurance (Group Voluntary) coverage helps you gain the advantage of financial protection, thanks to the cash benefits paid directly to you. You also gain the financial empowerment to seek the treatment needed to get well, pay out-of- pocket, and uncovered expenses.
Covered Benefit Categories:
·Injuries (may include burns, dislocations, lacerations, fractures)·Emergency Care (may include ambulance service, emergency room treatment, emer- gency dental)·Hospital Care (may include hospital stay, diagnostic testing)·Surgery (may include knee cartilage, ruptured disc, tendon, ligament or rotator cuff)·Follow-up Care (may include adaptive home or vehicle, appliances, rehabilitative therapy)·Support Care (may include adult companion lodging)
·Group Voluntary 24-Hour Accident pays the following benefits for covered on and off the job accidental injuries that result within 90 days (180 days for Accidental Death orDismemberment) from the date of the accident.
·Employees may elect one of the 2 levels offered.·Employee must elect coverage in order to elect spouse and/or children coverage.·All coverage guaranteed.
·Guaranteed Issue, meaning no medical questions to answer at initial enrollment.·Coverage available for dependents.·Covered dependents receive 50% of the Basic-Benefit Amount.·Benefits paid regardless of any other medical or disability coverage.·Premiums are affordable and conveniently payroll deducted.·Coverage may be continued.
Wellness Benefit $50 per person 23 Exams:
·Biopsy for skin cancer·Bone Marrow Testing·Blood tests for triglycerides·CA15-3 (breast cancer)·CA125 (ovarian cancer)·CEA (colon cancer)·PSA (prostate cancer)·Chest X-Ray; Colonoscopy·Doppler screening for carotids or Pe- ripheral Vascular Disease·Echocardiogram