Human Resources

Last Updated: 7/23/2020 7:44 PM

Recorded Medical Plan Options Zoom Meeting 
To access the recording use the following password 7A*=8=68

District Benefits Video - please watch for more information on the insurance options offered by the district.

Medical insurance is provided by Blue Cross of Idaho.  There are three medical plan options. The first is a traditional PPO option, the second is the  Health Savings Account (H.S.A.) PPO Plan, and the third option is the MVN (Mountain View Network) CCO plan. 

Please be aware:

  • All medical and prescription costs go toward deductible first with the H.S.A. plan option with the exception of approved preventive services and preventive prescriptions. 
  • The MVN - CCO has a more restrictive network and the policy holder must choose a primary care physician (PCP) from the list of approved physicians. 

Both the PPO and HSA plans are preferred provider plans (PPO). By going to healthcare providers who are part of the PPO network, you can save money on your out-of-pocket medical expenses.  It is very important that you become an informed user of your medical benefits. 

Insurance Rates

Certified Insurance 20-21 Rates 

Classified Insurance 20-21 Rates

Plans and Premiums:

Traditional PPO Plan Option:

Deductibles, co-insurance and stop-loss follow a calendar year - from January through December.  This plan has a $3,000 individual deductible with a $6,000 family aggregate.  This means that a covered family member would need to meet the $3,000 individual deductible, and any combination of family members could combine to meet the $6,000 family aggregate.  After you meet your deductible, Blue Cross pays 70% of the next $5,000 for in-network coverage and 50% of the next $6,000 for out-of-network coverage.  These two co-payments accumulate separately.  Your out-of-pocket maximum per person is $3,000 for your deductible plus $3,000 for your out-of-network co-payment.  In addition, you are also responsible for excess charges for out-of-network providers. After you reach your out-of-pocket maximum, Blue Cross will pay 100% for Major Medical services. 

If you visit a retail pharmacy, you will pay 50% of the cost of the prescription.  This is the Blue Cross contractual rate which may be discounted from the retail cost.

Mail order prescription service for maintenance prescriptions is available through Blue Cross of Idaho Rx.  The cost is $15 per month for a generic drug, $30 per month for a formulary drug and $45 per month for a non-formulary drug.  You can order a three-month supply by paying three co-pays ($45 for generic, $90 for formulary and $135 for non-formulary).  The order forms are available online on the District website or at the front desk in the Administration Office.

H.S.A. Plan:

Deductibles, co-insurance and stop-loss follow a calendar year - from January through December.  This plan has a $6,800 individual deductible with a $13,600 family aggregate.  This means that a covered family member would need to meet the $6,800 individual deductible, and any combination of family members could combine to meet the $13,600 family aggregate.  After you meet your deductible, Blue Cross pays 100% for in network major medical services.   In addition, you are also responsible for excess charges for out-of-network providers. Please be aware that all medical and prescription expenses go towards deductible first with the exception of preventive services and preventive prescriptions.

The HSA plan will cover 100% of preventive drugs that are listed on the HSA Preventive Drug List.  After meeting the $6,800 individual deductible the plan then pays 100% for retail prescriptions and Mail Order prescription.

MVN CCO:

Deductibles, co-insurance and stop-loss follow a calendar year - from January through December.  This plan has a $3,000 individual deductible with a $6,000 family aggregate.  This means that a covered family member would need to meet the $3,000 individual deductible, and any combination of family members could combine to meet the $6,000 family aggregate.  After you meet your deductible, Blue Cross pays 70% of the next $5,000 for in-network coverage and 50% of the next $6,000 for out-of-network coverage.  These two co-payments accumulate separately.  Your out-of-pocket maximum per person is $3,000 for your deductible and $3,000 for your out-of-network co-payment.  In addition, you may also be responsible for excess charges for out-of-network providers. After you reach your out-of-pocket maximum, Blue Cross will pay 100% for Major Medical Services.  This plan requires that you choose a provider from the PCP (Primary Care Physician) list. They will then refer you out for services within the MVN CCO Network.

If you visit a retail pharmacy, you will pay 50% of the cost of the prescription.  This is the Blue Cross contractual rate which may be discounted from the retail cost.

Mail order prescription service for maintenance prescriptions is available through CVS Caremark.  The cost is $15 per month for a generic drug, $30 per month for a formulary drug and $45 per month for a non-formulary drug.  You can order a three-month supply by paying three co-pays ($45 for generic, $90 for formulary and $135 for non-formulary).  The order forms are available online on the District website or at the front desk in the Administration Office.

Contact Information:

HR and Finance Director
Carrie Smith
(208)525-7554
SmitCarr@d91.k12.id.us

HR Admin Assistant
Heather Wade
(208)525-7555
WadeHeat@d91.k12.id.us

HR Assistant
Marnie Havas
(208)525-7503
HavaMarn@d91.k12.id.us

HR Assistant
Tiffany Bingham
(208)525-7510
bingtiff@d91.k12.id.us

Additional Links

Blue Cross Information

Blue Cross Website 

Glossary of Health Coverage and Medical Terms

Blue Cross Triple Option Comparison Summary

Choice Docs

PPO Information

HSA Information

HSA FAQ's

MVN CCO Information

MVN Participating Care Provider (PCP) List

Benefit Summaries 

PPO Plan

HSA Plan

MVN CCO Plan

Prescriptions

Prescription Benefit Summary

Blue Cross of Idaho Rx is the pharmacy benefits manager. Please use the new card that will be mailed to you prior to the change on July 1st. All current prescriptions and prior authorizations will automatically transfer over.

Notices 

Medicare Part D Notice

CHIP Information

Children's Health Insurance Program (CHIP) - use this website to determine if you qualify for CHIP HealthCare.gov