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Benefits

BENEFITS

Open Enrollment is Now! Take Action Today!

Open enrollment is your annual opportunity to review your current benefits selections and make changes, such as choosing a new medical plan or adding a dependent or spouse.
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Open Enrollment Information

📢 Annual SEBB Open Enrollment: October 27 – November 24, 2025

The School Employees Benefits Board (SEBB) Program’s annual open enrollment runs from
🕛 12:00 a.m. on October 27 through 11:59 p.m. on November 24, 2025.

All changes will take effect on January 1, 2026.

Frequently Asked Questions

Submit your Open Enrollment Question

  • Unfortunately, we cannot answer this question directly, as selecting a health insurance plan is a personal decision that varies for each individual and family. However, we encourage you to consider the following tips when determining the best option for you and your loved ones. Even if you plan to remain on the same plan, it’s wise to review a few key factors before re-signing.

    Consider Your Family’s Needs

    • Who Needs Coverage? Determine if you need coverage for just yourself, or for your spouse and children as well.
    • Healthcare Needs: Reflect on what your family requires from a healthcare plan.
      • How often do you visit the doctor?
      • Do you have any recurring medical needs?

    Review Your Coverage Options

    • Satisfaction with Current Plan: Are you happy with your existing coverage?
    • Changes for the New Year: What changes are happening with your plan in the upcoming year?
    • Cost Analysis:
      • Premiums: What is the monthly premium you’ll pay?
      • Copayments: Understand the fixed fees for office visits, prescriptions, or other care.
      • Deductibles: Know the amount you’ll pay before your insurance starts covering costs.
      • Coinsurance: Be aware of the percentage you’ll owe after your insurance covers part of the service.
      • Out-of-Pocket Maximum: Understand the cap on your expenses, after which your insurance will cover all costs.

    Assess Potential Healthcare Needs

    Take time to consider what services you might require over the next year, and evaluate the associated costs.

    Check Provider Networks

    • List of Providers: Compile a list of all the healthcare providers you and your family might use, including physicians, specialists, clinics, and pharmacies.
    • In-Network Verification: Ensure that the plans you are considering include these providers in their network.

    Consider HSAs and FSAs

    If you anticipate medical expenses in the coming year, you may want to explore a Health Savings Account (HSA) or Flexible Spending Account (FSA). These accounts allow you to set aside pre-tax dollars for eligible healthcare expenses, such as copays and certain prescriptions. Note that HSAs require enrollment in a high-deductible health plan (HDHP).

    Confirm Medication Coverage

    • Medication List: Create a list of your current medications, noting whether they are name-brand or generic.
    • Coverage Inquiry: Contact the insurance provider to confirm whether the plan covers the medications you need and inquire about copays for filling and refilling prescriptions.

    Taking these steps can help you make an informed decision about your health insurance options.

Employee Benefits

Help

Contact plans directly for help with:

  • Benefit questions
  • ID cards
  • Claims
  • Check if a healthcare provider is in the plan’s network
  • Choosing a healthcare provider
  • Make sure your prescriptions are covered

Contact Information

benefits@mlsd161.org

 

Contact the MLSD benefits office for help with:

  • Benefit eligibility and enrollment questions or changes
  • Accessing paper forms
  • Premium surcharges questions
  • Updating your contact information (name, address, phone, etc.)
  • Adding or removing dependents
  • Payroll deduction information (including pre- or post-tax contributions)