2027 open enrollment
Important Information
about your 2027 Benefits
Open Enrollment 2027
What is changing for 2027?
Open Enrollment is your opportunity to elect benefits that work best for you and your family. For 2027, we have increases to HSA and FSA plan limits, a dental plan enhancement and changes to employee health insurance premiums. To ensure you make informed decisions, please review this guide carefully. It contains details and resources to help you make your decisions.
Health insurance premiums increase 20%. (Page 3)
Nota: Este documento está disponible en español a pedido. Por favor llame a la oficina de Beneficios para Empleados al 571-252-1810 para solicitar una copia.
Do I have to do anything? Yes, if you want to:
Special Health Care Needs Benefit added to Delta Dental coverage. (Page 6) Health Care Flexible Spending Account annual maximum increases to $3,400. The annual rollover maximum will increase per IRS maximum allowable. (Page 8) Health Savings Account (HSA) annual maximums increase to $4,500 for employee only and $9,000 for employee + one or more. (Page 8) Critical Illness Policy clarification changing “smoker/ non-smoker” to “tobacco/non-tobacco”. (Page 9)
y Make changes to your health insurance elections including the dependents that you are covering. This is the only time you can change your health insurance elections without a qualifying life event.
The IRS will announce 403(b) and 457 annual contribution maximums later in the year.
y Enroll, add or change coverage in a critical illness policy, accidental injury policy, hospital care policy or long-term disability policy (VRS Plan 1 and Plan 2 members only).
You are required to upload all necessary documentation by 11/15/2026 to complete your online enrollment.
y Elect a Flexible Spending Account (FSA) for 2027. Remember you must make an election each year you wish to contribute. FSA elections do not roll over from year to year.
You will receive an email confirming your Oracle submission, including a confirmation statement, within 24-hours of your election. This is your proof of the elections you made. Documentation is only required for NEW dependents added to your coverage. We will contact you if we don’t receive the documentation required. You will also receive a final email confirming your choices after Open Enrollment closes.
No, if you don’t want to make changes to your current elections or want an FSA. It’s a good idea to review your benefits every year to make sure your current plans still meet your needs. Not sure or want to learn more? Talk to ALEX! your virtual benefits counselor (see page 10).
Where and how do I make changes? Elections and changes are made in Oracle Self-Service. Links to Oracle Self-Service and the Benefit Online Manual can be found on the Open Enrollment website or through ALEX. Important: If you are adding a NEW dependent, documentation is required to show their relationship to you. It’s best to have all documentation (such as marriage certificate or birth/adoption certificates) saved to your computer when you enroll.
2
LCPS 2027 OPEN ENROLLMENT GUIDE
How can I be sure changes were made?
Will I get new cards? CVS Caremark will be issuing new cards for 2027. Additionally, employees who enroll for the first time in medical, dental or vision will get cards. Each covered member gets their own medical card, but dental, vision and prescription cards are shared with the family. You can request additional cards if desired. Health Care FSA and HSA debit cards will be sent to first-time enrollees and to those with cards expiring. New cards will arrive by January 1, 2027. You can also download or print health insurance cards from the vendor websites or apps on or after January 1, 2027.
2027 Health Insurance Premiums Health insurance premiums will increase by 20% for 2027. This is driven by rising costs of medical services, prescription drugs and medical technologies, which directly impact claim expenses for our self-insured plan. Premium increases make it possible for us to continue to provide you a robust benefits package. Depending on your selected medical plan, per-paycheck increases will range between $1.07 (for Employee Only HDHP) to $75.92 (for Family OAP HIGH). 2027 premiums will begin on the January 22nd paycheck.
Employee Only
HDHP
OAP
OAP HIGH
Dental
Vision
2026 Bi-Weekly
2027 Bi-Weekly
Bi-Weekly
Premium
Premium
Increase for 2027
$5.35
$6.42
$1.07
Employee Plus Child
$12.06
$14.47
$2.41
Employee Plus Spouse
$75.94
$91.13
$15.19
Family
$108.53
$130.24
$21.71
Employee Only
$10.23
$12.28
$2.05
Employee Plus Child
$55.84
$67.01
$11.17
Employee Plus Spouse
$133.77
$160.52
$26.75
Family
$199.74
$239.70
$39.96
Employee Only
$80.28
$96.34
$16.06
Employee Plus Child
$156.44
$187.73
$31.29
Employee Plus Spouse
$276.95
$332.34
$55.39
Family
$379.62
$455.54
$75.92
Employee Only
$0.81
$0.97
$0.16
Employee Plus Child
$4.52
$5.42
$0.90
Employee Plus Spouse
$10.43
$12.52
$2.09
Family
$15.98
$19.18
$3.20
Employee Only
$0.08
$0.10
$0.02
Employee Plus Child
$0.48
$0.58
$0.10
Employee Plus Spouse
$0.64
$0.77
$0.13
Family
$1.62
$1.94
$0.32
*Actual rates may vary due to rounding
If you do not enroll in the LCPS group health insurance program (as an employee or a dependent of an employee) you may elect the $9 per pay Opt-Out Credit in Oracle Self-Service. You must elect to receive the credit, it is not automatic.
2027 Open Enrollment Website lcps.org/OpenEnrollment
Visit the Open Enrollment website to access all the resources you need to make your decisions and your elections. y Plan summaries y Webinar schedule y Employee Benefits site visit schedule y Link to ALEX, your online benefits counselor y Links to Oracle Self-Service and the Benefits Online Manual
LCPS 2027 OPEN ENROLLMENT GUIDE
3
Medical Plan Comparison At-A-Glance Comparison of 2027 Health Insurance Plans
High Deductible Health Plan (HDHP) HDHP is a medical plan paired with an dental and vision). You—not LCPS or Cigna— LCPS-funded Health Savings Account control the funds. (HSA). LCPS contributes annually $1,100 for employee-only coverage and $2,200 for HSA Tax Advantages include: employee and one or more dependents into y Employee contributions are made with the HSA. Participants have access to a broad pre-tax dollars via payroll deductions national provider network and no referrals y You never pay taxes on money used are required to see a specialist. LCPS also to pay for qualified medical expenses provides the employee with a $5,000 Critical y Once the account reaches $1,000 Illness Policy which pays a cash benefit the funds can be invested like an IRA for a covered illness to help pay household expenses like mortgage, child care, etc. y Your account funds grow tax-free HSAs work like personal savings accounts, but the funds are used to pay for qualified health care expenses (medical, prescription,
Annual Deductible—In-Network
$1,800 Individual $3,600 Employee + 1 or more = Family
Out-of-Pocket Maximum—In-Network
$6,500 Individual $13,000 Employee + 1 or more = Family
Annual Deductible—Out-of-Network
$1,800 Individual $3,600 Employee + 1 or more = Family
Out-of-Pocket Maximum—Out-of-Network
$6,500 Individual $13,000 Employee + 1 or more = Family
Health Savings Account (HSA)
Annual Employer Contribution to HSA $1,100 Individual $2,200 Employee + 1 or more = Family
Preventive Exams
In-Network and Out of-Network Out-ofPocket Maximums cross accumulate. Deductibles do not cross accumulate. No Individual Max on Deductibles for Family coverage. Individual Max on Out-of-Pocket Maximums for Family coverage.
HSA Maximum Annual Contributions $4,500 Individual $9,000 Employee + 1 = Family
Covered at 100%
PCP/Specialist Office Visit Copay Mental Health Office Visit Copay
10% after In-Network Deductible 30% after Out-of-Network Deductible
Emergency Room Urgent Care Coinsurance
10% after Deductible
High Deductible Health Plan (HDHP) (*AFTER deductible is met)
High Deductible Health Plan (HDHP) PREVENTIVE Drugs (NOT subject to deductible)
Retail up to 30-day supply
Mail Order/Retail 90-day supply
Retail up to 30-day supply
Mail Order/Retail 90-day supply
Generic
10% - Max $10
10% - Max $20
$0
$0
Preferred brandname drugs
20% - Max $60
20% - Max $120
$30
$60
Non-preferred brandname drugs
30% - Max $100
30% - Max $200
$50
$100
N/A
N/A
*Prescription Drugs BEFORE the deductible is met will cost 100% of CVS discounted rate for HDHP.
Pharmacy Some specialty medications require enrollment in PrudentRx for coverage
4
Specialty medications
LCPS 2027 OPEN ENROLLMENT GUIDE
30% - Max $150
Terms to know:
Copay: A fixed amount you pay for a medical service or prescription, for example, $20 for an office visit or $30 for a prescription.
Open Access Plus (OAP)
Open Access Plus High (OAP HIGH)
OAP is a type of PPO plan offering both in- and out-of-network coverage through a broad national provider network. You pay either a fixed copayment or deductible and coinsurance, depending on the medical services and whether you are seeing an in-network or outof-network provider. No referrals are required to see a specialist.
OAP HIGH is a type of PPO plan offering both in- and out-of-network coverage through a broad national provider network. You pay either a fixed copayment or deductible and coinsurance, depending on the medical services and whether you are seeing an in-network or out-ofnetwork provider. No referrals are required to see a specialist.
$650 Individual $1,300 Family
In-Network and Out-of-Network Deductibles and Out-of-Pocket Maximums cross accumulate.
$2,500 Individual $5,000 Family $1,300 Individual $2,600 Family
Individual Max on Family coverage.
$5,000 Individual $10,000 Family
$450 Individual $900 Family $3,500 Individual $7,000 Family $900 Individual $1,800 Family $7,000 Individual $14,000 Family
In-Network and Out-of-Network Deductibles and Outof-Pocket Maximums cross accumulate. Individual Max on Family coverage.
N/A
N/A
Covered at 100%
Covered at 100%
$20/$40 copay
$20/$40 copay
$20/$40 copay
$40 copay
$40 copay
$150 copay
$150 copay
$50 copay
10% after Deductible
0% after Deductible
Open Access Plus (OAP)
Open Access Plus High (OAP HIGH)
Deductible: The amount that you are responsible for paying out-of pocket before the plan starts paying for services. Coinsurance: The percentage of costs you pay after you have met your deductible. For example, 10%. Out-of-Pocket Maximum: The Maximum amount of money you might pay in a plan year, not including the cost of premiums. If you reach the Out-of-Pocket Maximum, you are covered at 100% for the remainder of the plan year. Premium: The amount you pay each pay period for your medical insurance coverage. Your Premium is based on the plan and level of coverage that you choose and is deducted pre-tax. Preventive Services: Annual physical screenings, wellbaby services and childhood immunizations that are covered in full when using in-network providers. In-Network: Providers or health care facilities that are part of the health plan’s network of providers with which it has negotiated a discount. Out-of-Network services will cost more.
Retail up to 30-day supply
Mail Order/Retail 90-day supply
Retail up to 30-day supply
Mail Order/Retail 90-day supply
$10
$20
$10
$20
$30
$60
$30
$60
$50
$100
$50
$100
$50
$100
$50
$100
You may be overspending on premiums! Talk to ALEX!
LCPS 2027 OPEN ENROLLMENT GUIDE
5
Your Vision and Dental Coverage Options LCPS offers comprehensive dental and vision plans for benefits-eligible employees and their eligible dependents. These plans are designed to provide you with a wide range of coverage options and broad provider networks to meet the diverse needs of you and your family. Dental coverage is provided through Delta Dental and vision coverage is provided through Davis Vision.
Delta Dental Annual Deductible
$50
Limit of 3 per family (max $150) per calendar year
Annual Benefit Maximum (Basic & Major Services)
$1,250
Per covered member, per calendar year
Orthodontic Lifetime Maximum
$1,000
Per covered member, per lifetime
Service
In-Network
Out-of-Network
Examples
Preventive Services
100%
80% of Allowable
Oral exams and cleanings, bitewing x-rays, fluoride applications, sealants (under age 19)
Basic Services
80%
60% of Allowable
Fillings, simple extractions, endodontic services/root canal therapy, occlusal guards
Major Services
80%
50% of Allowable
Crowns, prosthodontics, implants
Orthodontic Benefits
50%
50% of Allowable
Treatment for proper alignment of teeth
NEW Delta Dental Special Health Care Needs Benefit The LCPS Delta Dental plan will expand coverage in 2027 for those with special needs. These additional benefits help ensure every patient receives the coverage necessary for a comfortable, positive dental visit.
What’s included?
Who qualifies?
y Up to four dental cleanings in a benefit year.
All covered members with a qualifying special health care need are eligible for this benefit. This includes individuals with physical, developmental, mental, sensory, behavioral, cognitive, emotional impairment or limiting condition that requires medical management, health care intervention, and/or the use of specialized services or programs. There is no age limit.
y Treatment delivery modifications necessary for dental staff to provide oral health care for patients with sensory sensitivities, behavioral challenges, severe anxiety or other barriers to treatment (including anesthesia).
6
LCPS 2027 OPEN ENROLLMENT GUIDE
y Additional consultations with the dentist that may be necessary to help patients understand what to expect prior to treatment.
Eligible members should let their dentist know that their plan includes the Special Health Care Needs benefit and that they have a qualifying need. The dentist should verify the benefit before rendering services.
Davis Vision Service
In-Network
Out-of-Network
Frequency
Eye Examination
$15 copay
Reimbursed up to $35
Annually, including dilation
Lenses: $15 copay
Lenses: Reimbursed $25/$40/$55 for single vision/bifocal/trifocal
Eye Glasses (Frames/Lenses)
Contact Lenses
Frames: $110 allowance/$160 at Visionworks
Frames: Reimbursed $35
$15 copay then; allowance up to $100
Reimbursed $95
Lenses: Annually Frames: Every 24 months
Annually
How Can I Learn More? We are offering many opportunities for you to get your questions answered. From self-service resources to AI powered guidance and in-person meetings. We have a solution for everyone!
y Attend a live webinar or watch an on-demand recording y Talk to ALEX your online benefits counselor y Come to an Employee Benefits onsite visit y Schedule a meeting with a Cigna representative y Call the Cigna Pre-Enrollment Line for medical plan or FSA questions y Attend a Virtual Q&A Session y Find plan summaries and more on the Open Enrollment website
LCPS 2027 OPEN ENROLLMENT GUIDE
7
Flexible Spending Accounts and Health Savings Accounts Flexible Spending Accounts Flexible spending accounts (FSAs) are a simple way to save pre-tax money to be used for out-of-pocket health care expenses or for eligible dependent day care expenses. You save pre-tax money and then use that money to pay for, or reimburse yourself, for eligible expenses. LCPS offers two types of FSA accounts; health care FSAs and dependent care FSAs. Health care FSAs are for medical, dental, vision and prescription expenses for you and your eligible depenedents. Dependent care FSAs are for day care expenses incurred for an eligible dependent while you work. FSAs are available to all full-time employees, even if not enrolled in a medical plan. Employees enrolled in the HDHP with HSA plan who also want a health care FSA are eligible for the limited purpose health care FSA which covers dental and vision expenses only. Maximum annual contributions to an FSA in 2027: | $3,400 for health care FSA y Maximum rollover at the end of the 2027 plan year will be determined by the IRS this fall y Maximum rollover from 2026 into 2027 for current participants is $680) | $7,500 ($3,750 if married and filing separately) for dependent care FSA y No rollover FSA accounts have a use-it-or-lose-it provision. You must make a new annual election for each year you want to contribute. Your prior year FSA contribution elections do not continue into the next year. You can only elect or change an FSA during Open Enrollment or within 30 days of an IRS qualifying life event. Note that your election in Oracle SelfService should be an annual amount for the calendar year.
Health Savings Account—HDHP Participants Only If you are enrolled in the High Deductible Health Plan (HDHP), you will be provided with a health savings account (HSA). You can use HSA money to pay out-of-pocket health care expenses, watch your money grow into retirement or both. There are many advantages to an HSA: y You receive an employer contribution in January of each year: $1,100 for employee only/$2,200 for employee + one or more dependent. Employee contributions will begin on the January 8th paycheck. The employer contribution will be made soon after January 22nd paycheck. y You can make pre-tax contributions to your HSA through payroll deductions. You elect a per-pay amount, and it can be changed at any time. y Pre-tax contributions to an HSA reduce your taxable income. y HSA funds earn interest tax free and when used for eligible health care expenses, withdrawals are also free from tax. 2027 HSA maximum annual contributions: y Employee only: $4,500 (includes LCPS $1,100) y Employee + one or more: $9,000 (includes LCPS $2,200) y 55+ Catch Up: an extra $1,000
Am I eligible to have an HSA? To be eligible for an HSA you must: y be covered only by a qualified high-deductible health plan (HDHP); y not be covered by any other health coverage (ex. Medicare, Tricare, spouse’s non-HDHP medical plan or spouse’s full-purpose health care flexible spending account); y not be enrolled in Medicare (part A or B); and y not be claimed as a dependent under someone’s tax return (spouse filing jointly is okay).
8
LCPS 2027 OPEN ENROLLMENT GUIDE
What Other Benefits Are Available During Open Enrollment? LCPS offers a range of supplemental programs for benefits-eligible employees. Visit the Open Enrollment website or Talk to ALEX for more details about these options.
Critical Illness Policy A critical illness policy provides a lump sum cash benefit when you or a covered dependent are diagnosed with a covered critical illness during your policy coverage period. Employees can purchase critical illness coverage for themselves and their eligible dependents. Employees enrolled in the High Deductible Health Plan automatically receive a $5,000 policy on themselves, and can buy more and purchase coverage for their dependents. Please note: Smoker/Non-Smoker has changed to Tobacco/ Non-Tobacco user. More detail can be found on the Open Enrollment website. Please adjust your election if necessary.
Accidental Injury Policy An accidental injury policy provides a cash benefit to you or a covered dependent for a broad range of accident treatments and conditions, based on the approved schedule. This policy is for non-job-related injuries. Choose between a low and mid-level plan option.
Hospital Care Policy A hospital care policy pays a fixed cash benefit directly to you or your covered dependent for each day confined to a hospital due to a covered illness or injury. Hospital care benefits are paid directly to the policyholder, regardless of other insurance coverage, and can be used for any purpose.
Optional Group Life Insurance LCPS provides full-time employees with a basic life insurance policy at 2X your base annual salary. You may also purchase additional life insurance coverage for yourself, your spouse and eligible dependents. Purchase from 1X to 8X your salary (not to exceed $975K). Evidence of insurability is required. Apply directly with Securian Financial through your VRS account or the direct link provided in Oracle Self-Service and on the Open Enrollment website.
Disability Insurance LCPS provides short-term disability coverage to all benefit-eligible employees. Short-term disability coverage provides partial income replacement for the first 90 days of a qualifying disability (waiting period applies). If you want continued income replacement benefits after 90 days, this is where long-term disability coverage can help. Optional long-term disability coverage is available to VRS Plan 1 & VRS Plan 2 members only. VRS Hybrid members are automatically enrolled through the Virginia Local Disability Program (VLDP). Guaranteed issue during open enrollment—This means no medical questions for new enrollees or employees making a change to their long-term disability coverage.
Long Term Care Long term care insurance provides a variety of services and support to meet health or personal care needs over an extended period due to physical or cognitive disability. Most long term care is non-skilled personal care assistance, such as help performing everyday activities of daily living. Employees may purchase long term care policies for themselves and their family members through LCPS affiliate relationships and direct pay to the vendor. Note: VRS Hybrid members have a long term care benefit through their VRS Hybrid plan but can purchase additional coverage if desired. y Genworth: Apply online at genworth.com/cov or call 1-866-859-6060. y Creekside Insurance: Call 1-800-467-5425.
Critical Illness and Accidental Injury Plan Wellness Incentive Benefit The critical illness and accidental injury insurance plans each come with a $50 wellness incentive benefit. This benefit is paid for each covered person who completes at least one wellness treatment, health screening test or preventive care service on the list. If you are a Cigna member, this payment will be issued automatically when you receive an eligible wellness service. Non-Cigna members or eligible dependents not covered under your medical plan will need to submit a claim at myCigna.com.
LCPS 2027 OPEN ENROLLMENT GUIDE
9
we
Open Enrollment is Here. Before You Enroll―Talk to ALEX! ALEX is an online tool that can help you choose your best benefits. your online benefits counselor
Just answer a few questions about your estimated health care spending and ALEX will run the numbers to figure out which plans give you the coverage you need for the least amount of money. You can also learn about all the benefits offered to you during Open Enrollment and print out a report of your best benefit elections. Then go on to Oracle Self-Service to make your elections. It’s free, it’s confidential, and it takes as little as 10 minutes to get some peace of mind for the next year. Get started now at start.myalex.com/LCPS
Webinars LCPS and Cigna are offering opportunities for you to learn about the health and wellness benefits offered in 2027 through live and on-demand webinars. Registration is required for all live webinars. Live webinars will be recorded and saved for on-demand viewing shortly after the webinar is complete. Click on the QR code or visit the Open Enrollment webpage then click Open Enrollment Webinars for more details and to register.
NEW
Watch me Enroll! By popular request, we have created a video showing the step-by-step process of making benefit changes in Oracle Self-Service. Find a link to this video on the Open Enrollment website under Open Enrollment Webinars.
10 LCPS 2027 OPEN ENROLLMENT GUIDE
Intro to ALEX – Your Online Benefits Counselor
Thursday, Oct.15 4:30 p.m.
Supplemental Benefits – Accidental Injury, Critical Illness, Hospital Care
Tuesday, Oct. 20 6:00 p.m.
Understanding HSAs and FSAs: Which is Right for You?
Wednesday, Oct. 21 6:00 p.m.
How to Maximize Your Cigna Benefits
Thursday, Oct. 22 12:30 p.m.
Wellness Works! Don’t Miss Out on Earning your $330
Wednesday, Nov. 11 6:00 p.m.
Oracle – Watch Me Enroll
On-Demand 15 minutes
Unlocking the Value: A High-Level Overview of Our Comprehensive Benefits Package
On-Demand 45 minutes
LCPS Medical Plans
On-Demand 20 minutes
Build a Complete Benefits Package: Explore your NonMedical Options
On-Demand 20 minutes
Employee Benefits Site Visits Staff from Employee Benefits will be visiting locations across the county to answer your Open Enrollment questions. If you have questions about your benefit selections for 2027 or have your decisions made but need help with enrolling in Oracle, feel free to stop by and see us at a location convenient for you. No appointment is required. DATE
9 a.m.–12 p.m.
1–4 p.m.
Tuesday, October 6
Blue Ridge Middle
Woodgrove High
Wednesday, October 7
Harmony Middle
Loudoun County High
Wednesday, October 14
Stone Hill Middle
Rock Ridge High
Thursday, October 15
Willard Middle
Light Ridge High
Tuesday, October 20
Eagle Ridge Middle
Broad Run High
Thursday, October 22
River Bend Middle
Dominion High
Monday, October 26
J. Lupton Simpson Middle
Academies of Loudoun
Tuesday, October 27
Smart’s Mill Middle
Loudoun Valley High
Retirement Consultants from Lincoln Financial (403(b)) and Voya (457) are coming along to answer your questions about our voluntary Retirement Plans!
Administration Building
Friday, October 30
10 a.m. – 4 p.m.
Wednesday, November 4
Gum Spring Middle
John Champe High
Thursday, November 5
Brambleton Middle
Independence High
Wednesday, November 11
Trailside Middle
Stone Bridge High
Thursday, November 12
Belmont Ridge Middle
Riverside High
NEW Virtual Q&A Sessions This year we are hosting virtual question and answer (Q&A) sessions, staffed by members of the employee benefits team. Drop in to ask your questions or simply listen in on what others are asking—chances are, if you’re wondering about something, another employee is too. Links for the sessions will available on the 2027 Open Enrollment website and will be included in Employee Benefits Newsletters this fall.
DATE
TIME
Friday, October 9
12:00 noon
Tuesday, October 13
2:00 p.m.
Wednesday, October 21
7:00 p.m.
Wednesday, October 28
12:00 noon
Saturday, November 7
9:00 a.m.
Tuesday, November 10
7:00 p.m.
LCPS 2027 OPEN ENROLLMENT GUIDE
11
Trusted Guidance for work, home, and life.
Trusted guidance brings clarity to life’s important decisions and everyday moments. Your Employee Assistance Program (EAP) provides confidential guidance and trusted resources for you and your household members as part of your LCPS benefits.
Whether You’re... Balancing work and family
Looking for legal guidance
Planning for retirement
Making an important financial decision
Supporting an aging parent
Improving your well-being
Navigating relationship changes
Seeking an objective perspective
Resources Available to You Emotional Well-Being
Work-Life Resources
Financial & Legal Guidance
Digital Well-Being
Confidential guidance for emotional health, resilience, stress, anxiety, grief and life changes.
Planning, budgeting, retirement, legal consultations and practical guidance.
Child care, elder care, caregiving, relocation, education and everyday life resources.
Interactive self-care tools, coaching and digital well-being resources available anytime.
Wondr Digital Weight Loss Program Wondr is a digital weight loss program available to LCPS employees and their dependents covered by our health insurance plan. Use your computer or the mobile app to view the on-demand WondrSkills classes, access resources and log your progress. Participation is FREE as long as you meet the completion criteria.
Enrollment is open all year long. Apply or learn more at wondrhealth.com/lcps
Learn simple, repeatable skills through 12 weekly lessons personalized to your eating and activity behaviors. Then continue to reinforce those skills and build new ones for the rest of the year through the Wondr maintenance program. Join the digital weight loss program built on behavioral science for results that last.
Wellness Works! Incentive Program Don’t Miss Out on $330 With the Wellness Works! Incentive Program you can earn rewards for taking charge of and improving your health. All full-time employees access the program through your account at myCigna.com (register if it’s your first time visiting). Once logged in select Wellness > My Health Assessment and complete your online health assessment for a $100 reward. Then track other wellness activities to earn even more!
Some activities will be automatically processed by Cigna through claims and others you can self-report. Once you have earned some incentives you can redeem them in your choice of gift cards from hundreds of retailers. Up to $330 in gift cards for 2026. Don’t leave your rewards on the table. Incentives must be earned by December 31, 2026 for a 2026 reward. Find more information on the Wellness Works! Website.
Get rewarded for: | Health assessment completion | Preventive care visits and screenings | Participation in Cigna health coaching | Tracking physical activity and fitness center memberships | CSA memberships | Participating in a race | And more!
LCPS 2027 OPEN ENROLLMENT GUIDE
13
Save for your Future with Voluntary Retirement Programs Investing in your retirement plan is an important step towards helping to secure your financial future. In addition to your VRS pension plan, LCPS offers two voluntary retirement savings plans, a 403(b) Elective Deferral Plan through Lincoln Financial and a 457 Deferred Compensation Plan through VRS. Both plans offer pre-tax or Roth (after-tax) contribution options.
Lincoln Financial Group 403(b)
You can enroll or change these plans at any time. Saving even a little now could go a long way in saving for your future. Our dedicated Retirement Consultants will be joining us at our site visits (see page 11) or you can schedule an appointment for another time using the online scheduler or contacting them directly.
Voya Financial VRS 457 Plan
Jarrod Buhr
Curtis Holland
Harriet Clift
443-890-9818 Jarrod.Buhr@lfg.com
571-683-4529 Curtis.Holland@lfg.com
612-217-9511 Harriet.Clift@voya.com
VRS Hybrid members can contribute up to an additional 4% to their VRS Hybrid Plan. To learn more, log on to your VRS Account at http://www.varetirement.org/hybrid.html. Changes can be made monthly.
Your Pension with Virginia Retirement System (VRS) Eligible employees are automatically enrolled in the VRS pension program. As a VRS member, you have access to a secure online system to monitor your retirement savings, learn about your VRS benefits and plan for the future.
y MyVRS Retirement Planner―Project your income and expenses in retirement. Set your retirement goal and make a plan.
Your myVRS account offers:
Log in or register for myVRS at https://myvrs.varetire.org and then take a look at all of the resources available. Close to retirement? Visit the Retirement Preparation section of the Employee Benefits website at www.lcps.org/benefits.
y VRS Benefits Summary―Check your retirement eligibility dates and member account balance. y MyVRS Benefit Estimator―Select different retirement dates and payout options. Save your estimates for future reference.
14 LCPS 2027 OPEN ENROLLMENT GUIDE
y MyVRS Financial Wellness―Boost your financial know-how with this free educational resource.
Regulatory Notices Creditable Coverage Notice
Regulatory Notices
Are you—or a dependent on your insurance—eligible for Medicare? If so, there are couple things you need to know about your prescription coverage. Medicare prescription drug coverage is available to everyone with Medicare and it provides a standard level of coverage set by Medicare. The LCPS prescription drug plan, through CVS Caremark, provides coverage that exceeds the standard set by Medicare. This is called Creditable Coverage and means you will not pay a penalty if you elect a Medicare drug plan later during a special enrollment period. A link to the full Creditable Coverage disclosure can be found on the Employee Benefits homepage under Support > Regulatory Notices.
Find the following Regulatory Notices by visiting our website: lcps.org/benefits Support > Regulatory Notices:
Health Insurance Plan Documents Summary of Benefits and Coverage (SBC) and Summary Plan Document (SPD) Looking for more detailed information regarding your coverage? Coverage documents can be found on the Employee Benefits website at lcps.org/benefits under Health > Medical and Prescription Insurance, then click on a plan. The Summary of Benefits and Coverage (SBC) summarizes your coverage and provides practical cost examples. The Summary Plan Document (SPD) is the official coverage document that details what is covered, how it is covered, exclusions and limitations. This document takes precedence over any summary information published by LCPS or the insurance providers.
| Health Insurance Marketplace Notice | Consolidated Omnibus Budget Reconciliation Act (COBRA) | Genetic Information Nondiscrimination Act (GINA) | Health Insurance Portability and Accountability Act (HIPAA) | Medicaid and the Children’s Health Insurance Program (CHIP) | Mental Health Parity and Addiction Equity Act | Newborns’ and Mothers’ Health Protection Act | Notice of Creditable Coverage | Uniformed Services Employment and Reemployment Rights Act (USERRA) | Women’s Health and Cancer Rights Act | 403(b) Universal Availability Notice | Marriage Equality in the Commonwealth of Virginia | Wellness Program Notice | No Surprises Act | Transparency in Coverage Rule
Oracle Self-Service—Personal Information Review Even if you don’t plan to make any changes to your benefits, please log into Oracle SelfService to review all your personal information, particularly: y Social Security Numbers: Ensure all your dependents have social security numbers listed. Social security numbers are required for all participants of LCPS health and supplemental insurance plans. y Address: Be sure your address is correct to ensure timely delivery of insurance cards!
Instructions for accessing Oracle Self-Service can be found in the Benefit Online Manual on the Open Enrollment website.
LCPS 2027 OPEN ENROLLMENT GUIDE
15
Loudoun County Public Schools HRTD Employee Benefits 21000 Education Court Ashburn, VA 20148
Benefits Contacts & Resources ALEX Your Online Benefit Counselor start.myalex.com/LCPS Cigna—Medical, HSA and FSA Pre-enrollment: 1-888-806-5042 or cigna.com After January 1: 1-800-244-6224 or myCigna.com CVS Caremark—Pharmacy 1-833-288-9343 Caremark.com Delta Dental 1-800-237-6060 deltadentalva.com Davis Vision 1-888-235-3130 davisvision.com Voya Financial—VRS 457 Deferred Compensation Plan 1-877-327-5261 dcp.varetire.org Lincoln Financial Group 403(b) Plan 1-800-234-3500 lfg.com Virginia Retirement System (VRS) 1-888-827-3847 varetire.org
Securian Financial—Basic and Optional Life Insurance 1-800-441-2258 myvrs.varetire.org/login Cigna—Accidental Injury, Critical Illness, Hospital Care 1-800-754-3207 myCigna.com Genworth—Long Term Care 1-866-859-6060 genworth.com/cov (employer code 30158) VRTA Creekside Insurance—Long Term Care 1-800-467-5425 vrtabenefits.org/long-term-care LCPS Employee Benefits 571-252-1810 lcpshealthwellness@lcps.org LCPS Leave and Disability Programs 571-252-1690 lcpsleavedisability@lcps.org LCPS HRTD 571-252-1100 LCPS Payroll 571-252-1260 lcpspayroll@lcps.org