October 15, 2024 - November 15, 2024 

 What is Open Enrollment?
Open Enrollment is your opportunity to choose the benefits that best meet your needs.  During Open Enrollment, you can make changes to your health insurance elections, including the dependents that you are covering, without a qualifying event.  This is also the period in which you can enroll, add or change coverage in a Critical Illness Policy, Accidental Injury Policy, Long Term Disability Policy (VRS Plan 1 and Plan 2 members only) or elect a Flexible Spending Account for 2025.

 ALEX - Your Online Benefits Counselor

ALEX is an easy-to-use online tool that helps you decide the best benefits for you and your family.  The interface is fun and friendly, but behind the scenes ALEX's powerful modeling capabilities allow you to explore your benefit options in an entirely new way.  Talk to ALEX and explore all of your benefits.  When prompted, choose "I need info about next year's benefits" to model 2025 benefits.  Visit https://start.myalex.com/LCPS and start reviewing your benefits.   Then log on to Oracle Self-Service to make your elections. 

What is Changing for 2025?

• Health insurance premiums will increase by 8%.  See the 2025 Health Insurance Premiums. 

• The Point of Service (POS) plan will end 12/31/2024 and be replaced with the Open Access Plus High (OAP HIGH) plan.

• The hearing aid maximum benefit on all plans has been increased from $500 to $3,000 every 24 months.

• High Deductible Health Plan deductibles have increased to $1,650 (employee only) and $3,300 (employee + one or more dependent).

• Health Savings Account (HSA) annual contribution maximums have increased to $4,300 for employee only and $8,550 for employee + 1 or more dependent(s).  Employees age 55+ can save an additional $1,000 per year in catch-up contributions. Note: HSA maximums include the employer contribution. 

• Health Care Flexible Spending Account (FSA) annual maximums have increased to $3,200 for 2025 and the rollover maximum (from 2025 into 2026) has increased to $640.

• The Critical Illness plan has added a musculoskeletal hospitalization benefit.

• Preferred Formulary Exclusions and Alternatives for 2025 lists excluded medications and preferred alternatives for 2025.

What Do I Need To Do?

LCPS Open Enrollment runs from October 15th - November 15th, with all enrollments due no later than November 15, 2024. 

• No action is necessary if you do not want to make any changes to your current benefit elections.  If you do nothing, your current enrollment elections will roll over (POS automatically rolls to OAP HIGH), except for Flexible Spending Accounts.  

• You must re-enroll in Flexible Spending Accounts each year you wish to participate.   

• If you currently participate in a Health Care Flexible Spending Account in 2024, be sure you consider the up to $610 rollover amount when making your 2025 election (should you have funds to rollover). 

• To submit benefit changes, make new elections and/or enroll in a Flexible Spending Account, you must make your elections in Oracle Self-Service, and submit any required supporting documentation, no later than November 15, 2024.

• The Benefits Online Manual should be used as a guide for completing your enrollment (Spanish version available).  For Open Enrollment, follow the instructions in the "Enroll in Benefits" section. Be sure to print or save your Confirmation Statement to PDF and then click "Finish" to complete your enrollment.

• We encourage you to print or save a copy of your elections for 2025, regardless of whether or not you are making a change.

  • Print/save your Confirmation Statement as part of your online enrollment; or

  • Follow the instructions in the "View Benefits" section of your Benefits Online Manual to view and print/save your elections for 01/01/2025. 

  • If you make changes, you will receive an emailed confirmation statement the night after you enroll and a final confirmation statement after enrollment closes.

If you need assistance with your online enrollment or have questions after reviewing the resources on this website, we are here to help! Just email lcpshealthwellness@lcps.org or call 571-252-1810.

How Can I Learn More?

There are many opportunities and ways to learn more about your options: 

• Talk to ALEX!  an easy-to-use online tool that will help you decide on the best benefit plans for you and your family.  Visit http://start.myalex.com/LCPS.  When prompted, choose "I need info about next year's benefits" to model 2025 benefits.

• Carefully review the Open Enrollment Guide mailed to your home. A Spanish Open Enrollment Guide is also available by request. 

• Attend a Live Webinar or view the recorded version on-demand shortly after the session.

• Come to an Employee Benefits site visit and ask your questions.  

• Review plan summaries and plan comparisons below.

• Call the  Cigna Pre-Enrollment Line at 1-888-806-5042 to ask specific questions about your medical plan options (between October 15-November 15). 

• Schedule an appointment with a Cigna Representative during Cigna Office Hours. Email LCPSinquiries@cigna.com and provide your availability.

• Send your question to Employee Benefits.

• Access your Benefits Online Manual for step-by-step online enrollment instructions. A Spanish Benefits Online Manual is also available. 

Benefit Information and Resources

Click below for benefit summaries, online enrollment instructions, plan comparison tools and other Open Enrollment resources.