NH Teacher Benefits
In This Section
Information and Forms
- New Costs (Effective 7/1/2025): Annual Employee Contribution
- New Costs (Effective 7/1/2025): Monthly Premiums (to be used for part-time or mid-year calculations)
- Old Costs (Effective 7/1/2024): Annual Employee Contribution
- Old Costs (Effective 7/1/2024): Monthly Premiums (to be used for part-time or mid-year calculations)
- Flexible Spending Accounts (WEX Benefits)
- Plan comparison: SchoolCare Yellow WITH Choice & WITHOUT Choice
- CIGNA Yellow with Choice Fund Cost Sharing Illustrations
- Dental Insurance
- VSP Vision Insurance
- Forms
- 403(b) Information
- Employee Assistance Program (EAP)
- Benefit Information
- Required Notices
New Costs (Effective 7/1/2025): Annual Employee Contribution
Annual Employee Medical Contribution
Costs will be prorated for employees working less than full time or enrolled in coverage for less than a full year.
To calculate bi-weekly deductions, divide the annual rates listed below by the number of paychecks received in the school. Teachers employed for the full school year should divide by 22 paychecks, regardless of whether they have elected Equal Payments or Balloon Payments.
Contribution Rates (11%), *Based on 1.0 FTE (37.50 hours per week), 12 months of coverage - July-June
Yellow with Choice Fund
Single: $1,603.80
2 Person: $3,207.60
Family: $4,332.90
Yellow without Choice Fund
Single: $1,405.80
2 Person: $2,811.60
Family: $3,795.66
Annual Employee Dental Contribution
Costs will be prorated for employees working less than full time or enrolled in coverage for less than a full year.
The district pays the cost of single dental coverage for Full-Time employees, employee bears all of the difference if they wish to carry 2 Person or Family coverage.
SIngle: $0.00
2 Person: $606.24
Family: $1,597.44
Annual Employee Vision Contribution
Vision benefits are voluntary and the employee pays 100% of the premium.
Single: $37.92
2 Person:$75.84
Family: $122.16
New Costs (Effective 7/1/2025): Monthly Premiums (to be used for part-time or mid-year calculations)
Monthly Medical Premiums (billed to District)
Costs will be prorated for employees working less than full time or enrolled in coverage for less than a full year. If you need assistance calculating your prorated medical or dental costs contact a Human Resources team member.
Example: 2 Person coverage enrolled September - June = 10 months of coverage X Teacher contribution = Annual Premium owed.
$2,430 x 10 = $24,300.00 x 11% = $2,673.00
Yellow with Choice Fund
Single: $1,215.00
2 Person: $2,430.00
Family: $3,282.50
Yellow without Choice Fund
Single: $1,065.00
2 Person: $2,130.00
Family: $2,875.50
Monthly Dental Premiums (billed to District)
The district pays the cost of single dental coverage for Full-Time employees, employee bears all of the difference if they wish to carry 2 Person or Family coverage.
Single: $54.21
2 Person: $104.73
Family: $187.33
Monthly Vision Premiums (billed to District)
Vision benefits are voluntary and the employee pays 100% of the premium.
Single: $3.16
2 Person: $6.32
Family: $10.18
Old Costs (Effective 7/1/2024): Annual Employee Contribution
Annual Employee Medical Contribution
Costs will be prorated for employees working less than full time or enrolled in coverage for less than a full year.
To calculate bi-weekly deductions, divide the annual rates listed below by the number of paychecks received in the school. Teachers employed for the full school year should divide by 22 paychecks, regardless of whether they have elected Equal Payments or Balloon Payments.
Contribution Rates (11%), *Based on 1.0 FTE (37.50 hours per week), 12 months of coverage - July-June
Yellow with Choice Fund
Single: $1,425.60
2 Person: $2,851.20
Family: $3,849.12
Yellow without Choice Fund
Single: $1,249.38
2 Person: $2,498.76
Family: $3,373.26
Annual Employee Dental Contribution
Costs will be prorated for employees working less than full time or enrolled in coverage for less than a full year.
The district pays the cost of single dental coverage for Full-Time employees, employee bears all of the difference if they wish to carry 2 Person or Family coverage.
SIngle: $0.00
2 Person: $577.32
Family: $1,521.36
Annual Employee Vision Contribution
Vision benefits are voluntary and the employee pays 100% of the premium.
Single: $37.92
2 Person:$75.84
Family: $122.16
Old Costs (Effective 7/1/2024): Monthly Premiums (to be used for part-time or mid-year calculations)
Monthly Medical Premiums (billed to District)
Costs will be prorated for employees working less than full time or enrolled in coverage for less than a full year. If you need assistance calculating your prorated medical or dental costs contact a Human Resources team member.
Example: 2 Person coverage enrolled September - June = 10 months of coverage X Teacher contribution = Annual Premium owed.
$2,160 x 10 = $21,600.00 x 11% = $2,376.00
Yellow with Choice Fund
Single: $1,080.00
2 Person: $2,160.00
Family: $2,916.00
Yellow without Choice Fund
Single: $946.50
2 Person: $1,893.00
Family: $2,555.50
Monthly Dental Premiums (billed to District)
The district pays the cost of single dental coverage for Full-Time employees, employee bears all of the difference if they wish to carry 2 Person or Family coverage.
Single: $51.63
2 Person: $99.74
Family: $178.41
Monthly Vision Premiums (billed to District)
Vision benefits are voluntary and the employee pays 100% of the premium.
Single: $3.16
2 Person: $6.32
Family: $10.18
Flexible Spending Accounts (WEX Benefits)
Plan comparison: SchoolCare Yellow WITH Choice & WITHOUT Choice
CIGNA Yellow with Choice Fund Cost Sharing Illustrations
The illustration below shows the cost sharing structure of the SchoolCare Yellow Open Access Plan with Choice Fund. It shows that for an individual plan, there is an out of pocket maximum of $2,000.
Of that, the Choice Fund pays the first $1,000 (if activated), then the employee is responsible for all costs up to the next $250, and after that, the employee is responsible for co-insurance of 20% of medical costs, and 10% of prescription costs, until a maximum $750 additional costs is reached.
The illustration below shows the cost sharing structure of the SchoolCare Yellow Open Access Plan with Choice Fund. It shows that for a 2-person or family plan, there is an out of pocket maximum of $4,000.
Of that, the Choice Fund pays the first $2,000 (if activated), then the employee is responsible for all costs up to the next $500, and after that, the employee is responsible for co-insurance of 20% of medical costs, and 10% of prescription costs, until a maximum $1,500 additional costs is reached.
Dental Insurance
VSP Vision Insurance
Highlights:
- Voluntary, employee-paid insurance
- VSP Choice Network, plus Walmart, Visionworks, & Pearle Vision
- No ID card required
- Extra discounts & savings included
- Lenses: $25 copay
- Frames (every other plan year): $150 allowance , $200 for featured brands
- Contact lenses (in lieu of glasses): $150 allowance
Forms
403(b) Information
403(b) Vendor List & Enrollment Instructions
403(b) Contributions & District Match
Prior to contributing, you must open an account with an investment provider participating in the Plan (see list on page 2 of the 403b Overview). Once you have opened an account, follow the steps below to create a Salary Reduction Agreement.
To begin or make a change to your 403(b) contributions, follow these steps:
Step 1: Visit https://omni403b.com/SRA
Step 2: Under "Select Employer State", choose "NH".
Step 3: In the "Employer Name" box, enter the following:
- Marion Cross employees: "Town of Norwich School District"
- Ray employees: "Hanover School District"
- Richmond Middle employees: "Dresden School District"
- Hanover High employees: "Dresden School District"
Step 4: Follow the prompts to enter and submit information about your 403(b) contribution.
Employees may reduce or stop their 403(b) contributions at any time during the year.
Salary Reduction Overview Video
Employee Assistance Program (EAP)
Overview of SchoolCare's Employee Assistance resources
Call anytime, any day: 1-877-622-4327
or visit myCigna.com
Employer ID: SchoolCare
Benefit Information
Required Notices
Frequently Asked Questions
- When can I enroll for health and/or dental benefits?
- How do I add someone to my health insurance?
- What is a qualifying event?
- What is a Flexible Spending Account (FSA)?
- What retirement options are available to me?
- What percentage matching is available for retirement?
- When and how can I change my retirement contributions?
- How do I change my address or phone number?
When can I enroll for health and/or dental benefits?
Open enrollment is held annually in May. During the open enrollment period you may elect to:
- Enroll in the plan(s) that you are eligible for
- Drop current coverage
- Add/Remove dependents from the plan(s)
Changes made during open enrollment will be effective on July 1st.
In addition to the open enrollment period, you may be eligible to make changes to your existing elections if you or a family member experiences a qualifying event.
How do I add someone to my health insurance?
What is a qualifying event?
Qualifying Events
Loss of other health coverage
- Losing existing health coverage, including job-based, individual, and student plans
- Losing eligibility for Medicare, Medicaid or other government programs
- Turning 26 and losing coverage through a parent's plan
Household changes
- Getting married or divorced
- Having a baby, adopting a child or gaining guardianship of a child
- Death in the family
Changes in residence
- Moving outside the coverage area
What is a Flexible Spending Account (FSA)?
What retirement options are available to me?
What percentage matching is available for retirement?
When and how can I change my retirement contributions?
Employees may reduce or stop their 403(b) contributions at any time during the year.
To begin or make a change to your 403(b) contributions, follow these steps:
Step 1: Visit https://omni403b.com/SRA
Step 2: Under "Select Employer State", choose "NH".
Step 3: In the "Employer Name" box, enter the following:
- Marion Cross employees: "Town of Norwich School District"
- Ray employees: "Hanover School District"
- Richmond Middle employees: "Dresden School District"
- Hanover High employees: "Dresden School District"
Step 4: Follow the prompts to enter and submit information about your 403(b) contribution.
Prior to contributing, you must open an account with an investment provider participating in the Plan (see list on page 2 of the 403b Overview). Once you have opened an account, follow the steps below to create a Salary Reduction Agreement.
For additional information, please review the 403(b) Guidelines.
How do I change my address or phone number?
If you have had a change of address, phone number, email, or name, please complete the Address Change Form. Submit an original of this form to the Human Resources office to update payroll systems, insurance vendors, etc. with your new information.