All regular full-time school employees working 30 hours or more are eligible for benefits on the first day of their employment or qualifying event.

• Cigna Virtual Benefits Education site
• Your Insurance ID Cards & MyCigna Account
• Pharmacy Cigna 90-Day Now Program
• Find a doctor
• Virtual Care
• Cigna One Guide Pre-Enrollment Customer Flier
• Cigna Virtual Care – Preparing for your MDLive Visit

• Behavioral Network Customer Flyer
• Total Behavioral Health
• Behavioral Health Virtual Providers

Cigna behavioral health department can be reached at 866-494-2111 or 800-554-6931. Behavioral health department can assist with finding a therapist accepting new patients and making the first appointment.

• What Is Transition & Continuity of Care
• Transition of Care
• Transition of Care – HMO
• Transition of care – PPO and HDHP

• International Travel
• See for more information and assistance under Ancillary Benefits and Travel Assistance tab

• Healthy Rewards – Active and Fit Direct Program
• Healthy Rewards Discount
• Healthy Rewards 

Wex HSA Services

Only employees enrolled in the HDHP medical plan are eligible to participate in the HSA benefits.

The Health Savings Account (HSA) is available to all enrolled in the HDHP medical plan and is used to accumulate money on a federal pre-tax basis and California post tax-basis to cover medical and other qualified expenses.

The account belongs to you, even if you change employers. Since there is no use-it-or-lose-it rule, the unused funds roll over at the end of each benefit year and from employer to employer. The money deposited can be invested once it reaches a balance of $2,000 (confirm) and grows tax-free. You choose how you want the funds to be allocated among the available funds. Funds are available as they are deposited in the account.

The school contributes $1,000.00 (Employee only Coverage) and $2,000.00 (Employee + Dependents Coverage) to each account over 24 pay periods throughout the benefit year.

You can contribute the maximum amount as determined annually by the IRS. Maximums include employer contributions.

Individuals age 55 or older can contribute an additional $1,000 on a pre-tax basis per year to their Health Savings Account (HSA).

• Log into your Wex Account.
• Eligible HSA Expenses. 
• Wex offers a Mobile App for your convenience.
• Review the FSA Store for qualifying purchases.

If you need more information on HSAs, these HSA FAQs and this webinar (long) or  video (short) are helpful resources.

Wex

All regular full-time school employees working 30 hours or more are eligible for benefits on the first day of their employment or qualifying event.

A Flexible Spending Account (FSA) provides you with the opportunity to pay out-of-pocket medical, dental, vision, and dependent care expenses with pre-tax dollars. When you participate in an FSA, (depending on your tax bracket), you can save approximately 25% of each dollar spent on these expenses. The Bishop’s School offers a Health Care FSA and a Dependent Care FSA, administered by Wex. Your FSA plan year is March 1 through February 28.

Please note: If you are enrolled on the HDHP and contributing to the Health Saving Account or accepting the Bishop’s HSA contribution, you cannot participate in the Health Care FSA plan and cannot have any roll over funds into the plan year beginning March 1, 2025. During this plan year, you may set aside up to $3,300.00 pre-taxed dollars into a Health Care FSA Plan. This money can be used to pay for qualified medical, vision and dental expenses. For a full list of qualifying expenses, refer to IRS Publication 502 at irs.gov or contact Wex at 866-451-3399.

If you are single or married and file a joint tax return annually you can set aside up to $5,000.00 pre-taxed dollars during this plan year. If you are married but file a separate tax return, the maximum you can annually set aside is $2,500.00 pre-taxed dollars. This account is used for qualified daycare expenses for the care of a dependent. A dependent is defined as a person who is under 13 years of age who you claim as a dependent on your tax return or a person who is physically or mentally incapable of caring for himself or herself, regardless of age, who you claim as an exemption on your tax return. Refer to IRS Publication 503 for specific regulations.

• What is FSA? See a quick video 
• Login HERE to your Wex Account (same as HSA)
• Eligible FSA Expenses
• Wex Mobile App
• FSA Store

It is important to budget appropriately and use all of your funds within the plan year (March 1 –February 28). If you do not use all of your Health Care FSA money in the course of the plan year, you will lose all monies in excess of $660 for the 2025 – 2026 plan year. Any Health Care funds over this amount will be fortified. Any unused funds in the Dependent Care FSA will not rollover into the next plan year.

FSA elections do not automatically continue from year to year; you must enroll or re-enroll during your annual open enrollment each year. Once you have made your Annual Elections, further changes to your Health Care FSA plan cannot be made unless you experience a Qualified Life Event.

You may update your Dependent Care contributions at any time you experience a change in need or facility access throughout the year.

Contact Wex at 866-451-3399 or visit wexinc.com for more information on eligible expenses, set up your online account, submit claims and check on your reimbursement status.

Cigna

The school offers dental benefits through Cigna with two options: a DHMO  (in-network only) plan (for more detailed information review the Summary of Benefits and Coverage English and Español ) and a DPPO (In/Out-of-Network) plan (for more detailed information review the Summary of Benefits and Coverage English and Español ). Dental plan election is made annually and employees may not switch between DMO and PPO plans without a qualifying event.

All regular full-time school employees working 30 hours or more are eligible for benefits on the first day of their employment or qualifying event.

2025 Employee Cost per Paycheck for All Employees

Unum

The Bishop’s School offers a comprehensive vision plan through Unum. Unum utilizes the EyeMed network. For more detailed information review the Benefit Summary: English and Español.

Login to Unum to create your member account, request your ID card, review claim status and see available special offers for vision care and services. Unum may also be reached via phone 855-652-8686.

To print your ID Card follow these steps:

1. Log into your Unum account
2. Click on the Account tab (top right of the page)
3. Click on Print my ID Card

All regular full-time school employees working 30 hours or more are eligible for benefits on the first day of their employment or qualifying event.

2024 Employee Cost per Paycheck for All Employees

Under Section 125 of the Internal Revenue Service (IRS) code, you are allowed to pay certain group insurance premiums with tax-free (pre-tax) dollars. This means your premium deductions are taken before federal income and Social Security wages are calculated.

The Bishop’s School plan year (benefit year) is March 1 through February 28 of the succeeding year. You must make your benefit elections carefully, including the choice to waive coverage. Your pre-tax elections will remain in effect until the next annual open enrollment period unless you experience an IRS-approved qualifying change in status (life event).

Qualifying change in status events include, but are not limited to:

• Marriage, divorce, or legal separation
• Death of spouse or other dependent
• Birth or adoption of a child
• A spouse’s employment begins or ends
• A dependent’s eligibility status changes due to age, student status, marital status, or employment
• You or your spouse experience a change in work hours that affect benefit eligibility
• Relocation into or outside of your plan’s service area

All regular full-time school employees working 30 hours or more are eligible for benefits on the first day of their employment or qualifying event.

Waiting period: no waiting period for benefits eligible upon hire or work event.