Human Resources - Benefit and Insurance Information
Click on items in the menu below to view information about each topic.
Still have Questions? Reach out to the school district office benefits coordinator at 208-267-3146 ext. 2.
This video covers open enrollment information for the 2025-2026 School Year. It also covers the many free benefits available to school district employees. Make the video full-size by clicking the button in the bottom right corner of the video.
Employee Assistance Program
Click the link above to visit Lucet Employee Assistance Program (EAP).
Company code: bcsd101
Link to the enrollment app will be available by August 4, 2025 - benefit starting September 1, 2025
Health Insurance through Blue Cross of Idaho
Click the link above to visit the Blue Cross Website. This portal allows you to search for local health services in network, view past Explanation of Benefits (EOB), and more for both the traditional insurance plan or the health savings account. Log in to see your benefits by clicking Member Login on the landing page. If you have never logged into this portal, you will need to click Register. Follow the prompts to create an account. You will need your Membership ID number located on the health insurance card that was mailed to you.
Premiums and Deductibles
Traditional Health Insurance:
Deductible In Network: $1,500 Individual / $3,000 Family
Professional Services Office Visit: $20 physician / $40 specialist
Out-of-pocket Maximum In Network: $3,000 Individual / $6,000 Family
Prescription Deductible: $250
Prescription Co-pays: $10 / $30 / $50
Prescription OOP Max: $3,000 Individual / $6,000 Family
Deductible Out of Network: $3,000 Individual / $6,000 Family
Out-of-pocket Maximum Out of Network: $6,000 Individual / $12,000 Family
Health Savings Account:
Deductible In Network: $3,300 Individual / $6,600 Family
Professional Services Office Visit: Medical deductible
Out-of-pocket Maximum In Network: $5,800 Individual / $11,600 Family
Prescription Deductible: Medical deductible
Prescription Co-pays: Medical deductible
Prescription OOP Max: Medical out-of-pocket maxiumum
Deductible Out of Network: Combined with In Network
Out-of-pocket Maximum Out of Network: Combined with In Network
If you have questions, need to change your health insurance coverage, or if you have misplaced your insurance card, reach out to the school district office: 203-268-3146 ext. 2
View the PDFs below to read and download more information.
2025-2026 SY Medical Insurance Plan Documents - Download PDF - link coming soon
2025-2026 SY Vision Insurance Plan Documents - Download PDF - link coming soon
2025-2026 SY Dental Insurance Plan Documents - Download PDF - link coming soon
Overview of Insurance Terminology - Download PDF
Women's Health and Cancer Rights Act Information - Download PDF
Optional Health Coverages
The plans below can be purchased by employees on a voluntary basis. Reach out to the school district office to learn more: 208-267-3146 ext 2
Aflac Supplemental Insurances
Accident Insurance: pays cash benefits, unless assigned otherwise, to help with the unexpected medical and every day expenses.
Cancer/Specified Disease: protects against the financial impact of cancer diagnosis.
Critical Illness: protects against the financial impact of other covered health events.
Hospital Indemnity: provides cash benefits to ease the financial burden of hospital stays.
Short-term Disability: provides a source of income during short-term disability.
Colonial Life Supplemental Insurances
Accident insurance: pays cash benefits in case of accidental injuries. Use it to pay for deductible, coinsurance, living expenses, and more.
Hospital Indemnity: helps to cover expenses that the medical plans don’t cover for hospital stays, surgery, and certain inpatient treatment.
Critical Illness: protects against the financial impact of certain illnesses, such as heart attack or stroke. Lump-sum benefit payments can cover out-of-pocket (OOP) expenses when diagnosed with a serious medical condition.
Disability: replaces a portion of income if unable to work because of a covered illness or injury. This income can help pay for mortgage/rent, utility bills, and other household expenses.
Pacific Source Health Flexible Spending Account (FSA) and Dependent Care
Use pre-tax withholdings to pay for health and childcare expenses. Enrollment is in August every year, and payroll deductions begin in September.
LifeFlight Air Medical Transport
Get peace of mind for one low, yearly premium for air medical transport services. Enrollment is in August every year, and payroll deduction is once only in September.
Life, Disability, and AD&D Insurance
Life Insurance, Accidental Death and Dismemberment Insurance, and Disability Insurance are provided by USAble Life. They are benefits paid in full by the school district at no cost to employees.
Life Insurance
Pays a Benefit of $40,000.00 to designated beneficiary for loss of life. Benefits reduce, based on age, to 65% at age 65, 50% at age 70, and terminate when employees are no longer eligible or their retirement, whichever comes first.
Accidental Death and Dismemberment Insurance (AD&D)
Payable, if within 365 days of a covered accident, an employee suffers loss of life or dismemberment, and provides protection for losses occurring on or off the job.
Long Term Disability
Pays a benefit of 60% of an employee’s basic monthly earnings to a maximum of $5,000.00 per month. Benefits begin on the 31st day of a covered disability and are payable for 2 years if employees are disabled from their own occupation, or to the Social Security Normal Retirement Age if they are disabled from any occupation.
Public Employee Retirement System of Idaho (PERSI)
Enrollment in the Public Employee Retirement System of Idaho (PERSI) Base Plan is mandatory for all employees who work over 20 hours per week. The Base Plan is a qualified tax-deferred plan under IRS Code Section 401(a).
Employees who work for a PERSI employer and earn 60 months of service credit will become vested. When vested employees retire, they receive a fixed benefit from PERSI for the rest of their lives, even when their personal account contributions are exhausted.
Employees who terminate employment with a PERSI employer before 60 months of service credit will be entitled to receive their contributions back, less taxes.
Employees make mandatory contributions via payroll deduction into a personal account. The district contributes to a pooled trust to cover future benefits for all members.
2025-2026 Rates:
Certified staff and Bus drivers contribute 8.08%, BCSD contributes 13.48%
All other eligible classified staff contribute 7.18%, BCSD contributes 11.96%
Click to learn more - https://www.persi.idaho.gov
Click to log in to see your benefits and calculate retirement - https://mypersi.idaho.gov/
Optional Retirement Accounts
PERSI Choice 401(k)
Although employees cannot increase contributions into the PERSI Base Plan, they can increase contributions to PERSI through the Choice 401k Plan. Complete the enrollment form at the District Office. Call 208-267-3146 ext. 2 for more information.
Capital Group 403b, through Edward Jones
Employees can receive free financial advice from an Edward Jones representative, whether or not they elect to enroll in the 403b retirement account.
BCSD’s current representative is Merle Ansley, reach out to his office at 208-295-2606.
