Benefits Open Enrollment | Millard Public Schools

We will maintain the District’s Direct Contract with CHI for 2027 to allow us to continue to offer the CHI Narrow Network HDHP. As a reminder, CHI returned to the Aetna broad network in February of 2026. However, certain facilities previously associated with CHI have not contracted with Aetna. Be sure to use the provider lookup tool to determine if your provider is in-network.

New for 2027:

You will have the option to complete a passive Open Enrollment this year.

What is a passive Open Enrollment?
A Passive Open Enrollment means if you do nothing, your benefit elections in place for 2026 will carry forward to 2027.

However, if you wish to contribute to a Medical FSA or Dependent Care FSA, or make a change in your HSA contribution, you will be required to complete a full Open Enrollment. (Similar to what you have done in prior years.)

New 2027 IRS Limits for HSA are $4,500 individual, $9,000 family, and Medical FSA $3,400. Dependent Care FSA remains the same.

There are no plan design changes for 2027. All deductible, maximum out of pocket, and copay and coinsurance amounts remain the same as 2026.

Starting in 2027, there is a change in how maternity services are billed. While this change does not impact the expense, it does change the timing. Instead of receiving a single 'bundled' bill for all services at the end, maternity care will bill similar to office visits and other services where you will be charged after each visit instead of a single large bill at the end. This change is being made across all carriers in the health insurance industry.

Two reminders of changes from last year.

PillarRX Copay Assistance Program was added to all health plans in 2026 and will carry forward into 2027.

What is Copay Assistance?
- Copay assistance is a process in which drug manufacturers provide financial support to patients by covering all or most of the copay applied to a specialty medication.
How Does the Copay Assistance Program Save Money?
- The manufacturer assistance received for these high-cost medications may substantially reduce or completely cover a member’s cost share for the medication. Members will only be responsible for their remaining cost share after the manufacturer assistance is applied, not to exceed your existing prescription benefit copayment for PPO plan enrollees or remaining deductible for high deductible health plan (HDHP) enrollees.
- Certain specialty drugs may be eligible for a reduced member cost share if you are enrolled under the PillarRX Copay Program. If drugs are eligible under the PillarRx Copay Program and you do not participate, you may be subject to higher cost.
Enrollment into the PillarRX program is required for any medication included in the program.
- If a staff member or covered dependent chooses to opt out, or takes no action and fails to enroll, that individual will be responsible for up to 25% of the cost of the eligible prescription. This amount will not apply toward your plan’s deductible or out-of-pocket maximum and will be treated similar to out-of-network coverage.
Any staff who has currently opted out of participation for PillarRX in 2026 will have that status grandfathered through December 31, 2026. Starting in 2027 participation is mandatory.

On the Vision Plan, We now provide the Enhanced Eye360 Preferred Provider Network for EyeMed Vision Coverage

Staff who utilize a Preferred Provider will have their exam copay waived, and an additional $50 frame / contact lens benefit added
Free glasses lens upgrade for UV Coating and Anti-Reflective Coating

Because of the timing of the first payroll in January for bi-weekly staff, all benefit deductions for premiums (including employee HSA contributions and the District HSA contribution) will occur on the January 20, 2027 payroll.

Use the links below to access 2027 Benefits Open Enrollment information.

2027 Benefits Guide
This guide answers some of the basic questions you may have about your benefits.

Health Plan Comparison Chart
A one-page chart to compare the 4 health plans

Health Plan Comparison Tool
The plan comparison tool is intended to be used as a guide and to measure hypothetical savings. It is not intended to be used as advice. If you need advice for your specific situation, please consult with a qualified financial or tax advisor.

Find a Provider (NHN or the Broad Aetna Network)
Instructions to find a provider on each of the four health plan options.

Find a CHI In-Network Provider

2027 Open Enrollment Information
Summary of Benefits (SBCs)
NHN Narrow Network High Deductible Health Plan
CHI Narrow Network High Deductible Health Plan
Broad Network High Deductible Health Plan
Traditional PPO Health Plan

2027 Plan Design Summaries
NHN Narrow Network High Deductible Health Plan
CHI Narrow Network High Deductible Health Plan
Broad Network High Deductible Health Plan
Traditional PPO Health Plan

Access your accounts for health, dental, and vision benefits

Aetna Voluntary Supplemental Health Benefits
Introductory Video on how Voluntary Supplemental Health Benefits can be right for you - Watch Now!

Learn more about these benefits! Presentation Slide Deck

Plan Summaries for all 3 Voluntary Supplemental Health Benefits:
Accident
Hospital Indemnity
Critical Illness

Plan Highlights: Aetna Supplemental Health Plans

Meritain Pharmacy Solutions
Retail 90 Program- Choice to fill a 90-day prescription through mail order or at a participating local retail pharmacy.

Slide Presentation is indexed so you can view sections of interest.

2027 Slide Presentation without Audio

Slide Presentation with audio & an index so you can view sections of interest.

2027 Slide Presentation with Audio

Open Enrollment Dates
What's New & What's Staying the Same
Supplemental Benefits
Terms & Definitions
Plan Option Comparison
Medical FSA / Dependent Care FSA
2027 Health Plan Decisions & Plan Advantages
HSA information & advantage
CVS Virtual Care (Medical, Dermatology, Mental Health)
Aetna Services to Assist You
Millard Wellness Program

2027 IRS HSA Maximum Allowed
Single: $4,500
Family: $9,000

2026 IRS Maximum Allowed
Medical FSA: $3,400
Dependent Care Flex Spending Account: $7,500