Benefits

Open Enrollment is the annual 2-week window in which employees may make changes to their pre-tax insurance elections without the need for a qualifying life event. If you have questions about a qualifying life event mid-year and need to make a change, please contact our benefits team at benefits@bsd44.org.

New employees are eligible for benefits the 1st of the month following eligible employment. If you have questions regarding benefit eligibility, please reach out to benefits@bsd44.org. 

~~Open enrollment will be held in the Spring or Summer for the next benefits plan year.~~

Once you have signed up for benefits as a new employee (30-day window), you will need to wait to make any changes (add or remove coverage, add or remove dependents or waive health (Medical/Dental/Vision) insurance) until the next Open Enrollment without a Qualifying Event.

Please plan your coverage accordingly for the entire plan year.

Our 2026-2027 Coverage:

MEDICAL INSURANCE Bridged Health Alliance (Network: Allegiance Cigna)

DENTAL/VISION INSURANCE MetLife

HSA/FSA/DCA PeakOne

ACCIDENT/CRITICAL ILLNESS MetLife

VOLUNTARY/DISTRICT PROVIDED LIFE INSURANCE Lincoln Financial

To begin your enrollment process for benefits:

• Employee Web Portal Access: go online to register at Employee Navigator.
• Employee will need:
  • Company Identifier: BSD44
  • Employee's last 4 of SSN
  • Employee's first and last name
  • Employee's date of birth

2026-2027 Health Insurance Information

Benefit Guide

Health Insurance Deductible Options:

• $2000 PPO
• $0 Deductible PPO
• $4000 HDHP
• $5000 HDHP
• Pharmacy Benefits Manager (PBM)
  • Formulary Medication Search
• Medical Premium Costs/District Contribution

2026-2027 Dental Insurance Information
MetLife is the provider for dental insurance. There are two options available for eligible employees. You can access the dental patient portal at MetLife Services and Solutions. 

• MetLife Dental Low Plan
• MetLife Dental High Plan
• Dental Rates 

2026-2027 Vision Insurance Information
MetLife/VSP is the provider for vision insurance. You can access the vision patient portal at MetLife Services and Solutions. 

• Vision Plan
• Vision Rates

2026-2027 Critical Illness Information

Benefit Summary – Critical Illness Policy

2026-2027 Accident Information

Benefit Summary – Accident Policy

First Stop Health is a Virtual Care Program. All enrolled medical plan members have access to virtual care through First Stop Health. First Stop Health offers employees and their families with fast access to:

• Virtual Primary Care
• Virtual Urgent Care
• Virtual Mental Health Care

Virtual Urgent Care is available 24/7 for minor injuries or illnesses such as:

• Ear Infection
• Fever/Headache
• Respiratory Issues
• Cold/Flu/Cough
• GI Issues
• Insect Bites
• Nausea/Vomiting
• Urinary Tract Infections
• and MORE!

Your first step is to register so you are ready to use the service when it is needed.

Click HERE to access the First Stop Health Link to register!

Belgrade School District provides a $25,000 life insurance policy to all employees who are eligible to receive benefits. Employees are also provided a long-term disability policy at no cost to them. Further, employees may choose to elect additional coverage on themselves and/or their family members during initial or open enrollment.

• Life & Long-Term Disability Insurance
• Voluntary Life Insurance Rate Sheet

More information coming soon!

• Make an appointment  Book an appointment with Ruth Hardesty - BSD44 Benefits Coordinator.

Health Savings Accounts (HSA) and Flex Spending Accounts (FSA)

• HSA Payroll Deduction Authorization
• Health Savings Account Information
• Flex Spending Account Information
• HSA & FSA Qualified Expenses List

It’s your retirement! Plan for it!

Your 403(b) Plan Participation Guide

Learn more about your 403 (b) plan administrator