Find what's best for your needs and budget
Quality health coverage your family can count on!
For the 2024 plan year, you have a choice of 3 medical plans with a range of coverage levels and costs.
UMR Plan 1 PPO Choice Plus
UMR Plan 2 PPO Choice Plus
UMR Plan 3 EPO HDHP
Key Coverage Features
- Comprehensive, affordable coverage that fulfills the requirements of the health care reform law.
- Free in-network preventive care, with services such as annual physicals, recommended immunizations, well-woman and well-child exams, flu shots, and routine cancer screenings covered at 100%
- Prescription drug coverage with each medical plan
- Financial protection through annual out-of-pocket maximums that limit the amount you'll pay each year
- Unlimited lifetime maximum benefits.
- Out-of-network coverage on Plans 1 & 2.
- Choice of 2 coverage levels: Employee Only & Family
- If you are enrolled in the HDHP, you may choose to work with a bank or administrator of your choice and put money into an HSA account as long as you meet the IRS requirements. BCSD does not provide any money for the HSA.
Healthcare Premiums
You and Burlington CSD share the cost of your health care benefits — Burlington CSD pays a generous portion of the total cost and you pay the remainder. The amount you pay is deducted pretax from your paycheck. Your specific cost is determined by the plans you choose and the coverage level you select.
← 2025 Rates Per Pay Period (Pre-Tax)
Teladoc
Download the app to talk to a doctor anytime, anywhere by phone or video.
Note: Teladoc Health is not available internationally.
Setup your Teladoc Health account in 4 easy steps.
1. Download the app: Search for “Teladoc Health” in the App Store or on Google Play.
2. Set up your account: Once you’ve downloaded the app, select “Set up your account.”
3. Enter basic contact information: Provide some information about yourself to confirm your eligibility. We’ll confirm we found your benefits and you’ll continue creating your account.
4. Create your account: Enter your address and phone number, create a username and password, pick security questions, and agree to terms and conditions.
Visit: teladoc.com
Call: 1-800-TELADOC (800-835-2362)
PHarmacy Resources
View Medication Prices
- In the Find Drug Information and Pricing field near the top of the page, enter your medication name.
- Choose the appropriate strength of the drug prescribed for you (for example, 10 mg), the total quantity of pills, and the days supply (30 days, 60 days, etc.). Please note the quantity information button: this is not how many pills you take daily, but the quantity you pick up at the pharmacy.
View Insurance Card
View Pharmacies Near You
View Pharmacies Near You
Click on Coverage and Benefits. You will be able to see your insurance card, along with buttons that allow you to print the card or order a new card if needed.
View Pharmacies Near You
View Pharmacies Near You
View Pharmacies Near You
- Click Find a Pharmacy
- Enter your zip code and Click Search
- Choose your favorite pharmacy by Selecting Set as Default under default status.
You can also view claims, change your account settings, see drug interactions, and submit a claim through the member portal.
Your Prescription Home Delivery Service
True Rx Health Strategists Offers Mail Order Service with WB Rx Express
Your prescription home delivery service starts once you are enrolled and your benefits are active.
- Receive an email and a text message notification containing mail order information for your current prescription(s).
- Visit wbrxexpress.com and click Login or download the RxLocal App.
- Create your RxLocal profile. Enter your name, birth date, and phone number. Use the prescription identification number provided in your email. Click agree to terms and services. View your medication profile and order your prescriptions.
- Call WB Rx Express at 833-391-0126. This is an important initial call to ensure you receive personalized service, including your medication(s) delivery is on time, your shipping address is correct, and your payment information is updated.
- Receive a confirmation text with shipment notification and delivery tracking number.
If you do not receive an email with a prescription identification number, visit wbrxexpress.com and click Sign Up. Complete the form and WB Rx Express will contact you within two business days to start the enrollment process.
FSA Resources
Flexible Spending Accounts (FSA)
Tax-advantaged FSAs provided by FLEX are a great way to save money. The money you contribute to these accounts comes out of your paycheck without being taxed, and you withdraw it tax-free when you pay for eligible health care and dependent care expenses.
Burlington CSD offfers you the following FSAs:
Health Care FSA
- Pay for eligible health care expenses, such as plan deductibles, copays, and coinsurance.
- Contribute up to $3,300 in 2025.
- Plan year is July 1, 2024 to June 30, 2025, with a grace period to September 15, 2025.
Dependent Care FSA
- Pay for eligible dependent care expenses, such as daycare for a child so you and/or your spouse can work, look for work, or attend school full-time.
- Contribute up to $5,000 in 2025, or $2,500 if you are married and filing separately.
- Plan year is July 1, 2024 to June 30, 2025, with a grace period to September 15, 2025.
What’s An Eligible Expense?
What’s An Eligible Expense?
Health Care FSA: Plan deductibles, coinsurance, copays, and other out-of-pocket expenses. To learn more, see IRS Publication 502 at www.irs.gov
Dependent Care FSA: Child daycare, babysitters, home care for dependent elders, and related expenses. To learn more, see IRS Publication 503 at www.irs.gov
Important
Managing Your FSA(s)
What’s An Eligible Expense?
You must enroll if you want to contribute to an FSA in 2025, even if you currently participate. Keep in mind that once enrolled, you are only able to make changes due to a qualifying change in family or benefits enrollment status.
Estimate Carefully
Managing Your FSA(s)
Managing Your FSA(s)
Keep in mind, FSAs are “use-it-or-lose-it” accounts. Unused funds are forfeited at the end of a 2½-month grace period following the plan year. During the grace period, you can continue to incur expenses and submit your receipts.
Managing Your FSA(s)
Managing Your FSA(s)
Managing Your FSA(s)
When you enroll in a Health Care FSA, you will receive a debit card to use when you receive services to pay for eligible expenses. Depending on the transaction, you may need to submit receipts or other documentation. Even if not required for submission, be sure to keep your receipts.
High-deductible Health plan (HDHP) information
Eligibility for a Health Savings Account (HSA)
Eligible individuals are those who are:
- Covered under a High Deductible Health Plan (HDHP).
- Not covered by any other medical plan that is not an HDHP. This includes a spouse’s medical coverage unless it’s an HDHP.
- Not enrolled in a traditional Health Care FSA in 2024.
- Not enrolled in Medicare, including Part A.
- Not claimed as a dependent on another person’s annual tax return.
- Veterans who have not received treatment through the Veteran’s Administration other than preventive care within the past three months.
HDHP Advantages
1. Lower paycheck costs
Your per-paycheck costs are lower compared to the PPO plan, giving you the opportunity to contribute the cost savings to a Health Savings Account (HSA).
2. Tax-advantaged savings account
To help you pay your deductible and other out-of-pocket costs, the HDHP allows you to open a Health Savings Account (if you qualify based on IRS regulations) and make tax-free contributions. All withdrawals from your HSA are tax-free, as long as you use the money to pay for eligible health care expenses. In addition, all the money in the account is yours and will never be forfeited. It rolls over from year to year, and you can take it with you if you leave the school or retire. After age 65, you can withdraw funds for any reason without a tax penalty—you pay ordinary income tax only if the withdrawal isn’t for eligible health care expenses. Burlington CSD does not provide an HSA account. The employee will need to open their own HSA account with a bank or administrator of their choice.
3. Free in-network preventive care
As with all Burlington CSD health plans, in-network preventive care is fully covered under the HDHP – you pay nothing toward your deductible as long as you receive care from network providers.
4. Extensive provider network
The HDHP uses UMR’s EPO Network of providers.