Valuable Benefits, Valuable People
All contracted employees who work 30 hours or more per week are eligible for all benefits outlined in this summary. You may also enroll your eligible family members under certain plans you choose for yourself.
We are proud to offer you a choice between four Kaiser Permanente HMO medical plans that provide comprehensive medical and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle. The District also contributes $675 a month towards the cost of benefits. ( Medical, Dental & Vision)
Kaiser Permanente HMO Network
With these plans, you select a primary care physician (PCP) from the participating network of providers who will coordinate your health care needs and approve further medical treatment. Services re-ceived outside of the HMO network are not covered, except in the case of emergency medical care, except for Out-of-Area Dependent Care and The Plus Benefits, which is described on the next page.
Medical Plan Summaries & Documents
• HSA 3500 Embedded Deductible - SBC
The Plus Benefit
The DHMO 2500 30% Plus and DHMO 2000 20% Plus plans include the Plus Benefit, where your choices are covered. Choose to see any licensed provider, anytime, up to a set number of visits or covered outpatient medical services each year. So if you have a provider you like, you don’t have to switch. Your visits will still be covered, as long as you do not exceed the annual visit limit.
Additional Resources
• kp.org - Set-up Instructions
• Why Choose Kaiser Permanente
Staying healthy includes obtaining quality dental care for you and your family. The Delta Dental PPO Plus Premier plan offers you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a dentist who participates in the Delta Dental PPO network. Following is a high-level overview of the coverage available. See Dental Benefit Summary for complete plan details.
• Base Plan - Summary of Benefits
• Buy-Up Plan - Summary of Benefits
Pueblo School District 60 offers two vision plans through EyeMed to help you pay for your routine vision services and supplies for you and your family. You can see any vision provider you choose, but you will enjoy significant savings when you use our vision providers. Please see vision benefit summary for complete plan details.
• Base Plan - Summary of Benefits
• Buy-Up Plan - Summary of Benefits
The HSA 3500 Embedded Deductible plan gives you the freedom to seek care from the provider of your choice within the HMO network. In addition, the HSA 3500 Embedded Deductible plan has an optional health savings account (HSA) administered by Wex that allows you to save pre-tax dollars to pay for any qualified health care expenses as defined by the IRS, including most out-of-pocket medical, prescription drug, dental and vision expenses.
Here’s how the medical plan works:
• Annual Deductible: you must meet the entire annual deductible before the plan starts to pay for non-preventive medical and prescription drug expenses.
• Coinsurance: Once you’ve met the plan’s annual deductible, you are responsible for a percentage of your medical expenses, which is called coinsurance. The plan pays 70% and you pay 30%.
• Out-of-Pocket Maximum: Once your deductible and coinsurance add up to the plan’s annual out-of-pocket maximum, the plan will pay 100% of all eligible covered services for the rest of the calendar year.
Here's how the HSA works:
• You contribute pre-tax funds to the HSA through automatic payroll deductions.
• Your contributions may not exceed the annual IRS limits listed below.
• You can withdraw HSA funds, tax-free, to pay for qualified health care expenses now or in the future. Unused funds roll over from year to year and are yours to keep, even if you change medical plans or you leave the district.
Important Notes:
• You must meet certain eligibility requirements to have an HSA: You must a) be at least 18 years old, b) be covered under a qualified HDHP, c) must not be enrolled in Medicare, TriCare, or other first dollar coverage, and d) cannot be claimed as a dependent on another person’s tax return. For more information, visit www.irs.gov/forms-pubs/about-publication-969.
• For a complete list of qualified health care expenses, visit www.irs.gov/forms-pubs/about-publication-502.
• Adult children must be claimed as dependents on your tax return for their medical expenses to qualify for payment or reimbursement from your HSA.
We provide you with an opportunity to participate in two different flexible spending accounts (FSAs) with Wex. FSAs allow you to set aside a portion of your income, before taxes, to pay for qualified health care and/or dependent care expenses. Because that portion of your income is not taxed, you pay less in federal income, PERA and Medicare taxes.
Health Care FSA
In 2025, you may contribute up to $3,200 to cover qualified health care expenses incurred by you, your spouse and your children up to age 26. Some qualified expenses include:
• Coinsurance
• Copayments
• Deductibles
• Dental treatment
• Orthodontia
• Eye exams/eyeglasses
• Lasik eye surgery
• Prescriptions and Over-the-Counter Drugs
For a complete list of eligible expenses, visit www.irs.gov/pub/irs-pdf/p502.pdf.
This benefit is not available to those employees who are covered by the HSA 3500 Embedded Deductible plan. You may contribute to the health savings account (HSA).
Dependent Care FSA
For 2025, you may contribute up to $5,000 (per family) to cover eligible dependent care expenses ($2,500 if you and your spouse file separate tax returns). Some eligible expenses include:
• Care of a dependent child under the age of 13 by babysitters, nursery schools, pre-school or day-care centers
• Care of a household member who is physically or mentally incapable of caring for him/herself and qualifies as your federal tax dependent
For a complete list of eligible expenses, visit www.irs.gov/pub/irs-pdf/p502.pdf.
FSA RULES: YOU MUST ENROLL EACH YEAR TO PARTICIPATE.
Health Care FSA:
Unused funds will not be returned to you. Your grace period allows you to incur expenses up until March 15, 2026 using funds contributed during the 2025 benefit plan year, and you must file claims by April 14, 2026.Dependent Care FSA:
Unused funds will not be returned to you. Your grace period allows you to incur expenses up until March 15, 2026 using funds contributed during the 2025 benefit plan year, and you must file claims by April 14, 2026.
Life Insurance provides your named beneficiary with a benefit in the event of your death. Accidental Death and Dismemberment (AD&D) Insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot or eye). In the event that your death occurs due to a covered accident, both the life and AD&D benefits would be payable.
Basic Life/AD&D (District paid)
Employee - 2 x your Annual Salary up to $500,000 maximum benefit
Spouse - $1,000 life only (no AD&D)
Children up to age 26 - $1,000 life only (no AD&D)
Voluntary Life/AD&D (Employee-paid)
If you determine you need more than the basic coverage, you may purchase additional coverage through VOYA for yourself and your eligible family members.
Employee - Choice of $10,000 increments, up to 5 times your annual salary, not to exceed $300,000 (Life/AD&D)
Spouse - Choice of $5,000 increments, up to $150,000, not to exceed 50% of the employee election amount (Life only, no AD&D)
Children - $10,000 (Life only, no AD&D)
Additional Resources and Forms
• Evidence of Insurability (EOI) Form - Instructions
• Evidence of Insurability (EOI) Form
Aflac makes simple and affordable life coverage available to help keep your loved ones financially secure, even if you can no longer provide for them.
While we all know that life insurance helps protect our loved ones for the long term, sometimes we don’t consider that there are other benefits of a whole life insurance plan as well.
Aflac Group Life Term to 120 offers guaranteed-issue living and death benefits, with the predictability of a whole-life plan, at rates that won’t increase, allowing you to help prepare your family for a financially secure future. Your family depends on you to help protect their financial future. Count on Aflac for more than just life.
Accident insurance can soften the financial impact of an unexpected, non-work-related accident by providing a monetary benefit to help cover unexpected costs related to treating your injuries. Benefits are paid directly to you. Coverage is also available for your spouse and dependents.
Did you know that the average total out-of-pocket cost related to treating a critical illness is over
$7,000? With critical illness insurance, you’ll receive a lump-sum benefit if you are diagnosed with a covered condition (e.g., heart attack, cancer or stroke) to pay for treatments, prescriptions, travel, living expenses and more.
The average cost of a hospital stay is $10,000 and the average length of a stay is 4.8 days. Hospital indemnity insurance can help reduce costs by paying you or a covered dependent a benefit to help cover your deductible, coinsurance and other out-of-pocket costs.
TeleHealth
Three-part program: 1) TeleDoc helps you when unexpected medical conditions arise and you’re not able to see your PCP right away; 2) Health Advocate helps you understand the ins and outs of the health care system and how to navigate through it; 3) eDocAmerica, provides you with 24/7 access to web-based answers to medical questions from an expert team of board certified physicians, psychologists, pharmacists, dentists, dieticians and fitness trainers.
Nationwide Pet Insurance
Pets are always there for us - on good days and bad. Which is exactly why Nationwide won't let them down. You care about your pets and consider them members of your family. So whether your family includes kids with two feet or kids with four paws-or both–you know what responsibility looks like. You can choose the level of coverage that fits your needs. You have the choice to choose your level of cov-erage on vet bills and more. You can visit any vet anywhere, submit your claim, and receive reim-bursement based on your level of coverage. Get a fast, no obligation quote during annual open enrollment, as a new hire, or when you bring your new pet home. You may call 877-738-7874, or go online to: benefits.petinsurance.com/pueblodistrict60
• How to use you My Pet Protection plan (Video)
Employee Assistance Program
Life is full of challenges, and sometimes balancing it is difficult. We are proud to provide a confidential program dedicated to supporting the emotional health and well-being of our employees and their families. The EAP is provided at NO COST to you through Profile EAP through CommonSpirit.
The EAP can help with the following issues, among others:• Mental health
• Child and eldercare
• Relationships or marital conflicts
• Grief and loss
• Legal or financial issues
• Substance Abuse
Get matched with a licensed therapist based on your own preferences (gender, age, orientation, BIPOC, faith) and needs (stress, anxiety, LGBTQ, depression, couples therapy, teen counseling, addictions, grief, etc.). To schedule a telehealth appointment directly go to puebloschools.mylifeexpert.com to fill out the registration form and click on SUBMIT. Call 800-645-6571 to speak with a Profile EAP staff.
BenefitHub - Free employee benefit!
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Enjoy discounts, rewards and perks on thousands of the brands you love in a variety of categories: Travel / Auto / Electronics / Apparel / Local Deals / Education / Entertainment / Restaurants / Health and Wellness / Beauty and Spa / Tickets / Sports & Outdoors - It’s easy to access and start saving!1. Visit: pueblosd60.benefithub.com
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Questions? Call 866-664-4621 or email customercare@benefithub.com.

Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of valuable benefits to protect your health, your family and your way of life. This website answers some of the basic questions you may have about your benefits. Please read it carefully, along with any supplemental materials you may receive.
Eligibility
All contracted employees who work 30 hours or more per week are eligible for all benefits outlined in this summary. You may also enroll your eligible family members under certain plans you choose for yourself.
Welcome!

When Coverage Begins
New Hires: You must complete the enrollment process within 30 days of your effective date. If you enroll on time, coverage is effective on the first of the month following your date of hire. If you fail to enroll on time, you will NOT have benefits coverage except for employer-paid life insurance. Your next opportunity to enroll in coverage will be at the next annual open enrollment period. To complete your enrollment, you will call the SMBO Benefits Call Center at 877-282-0808.
Open Enrollment: Changes made during Open Enrollment are effective January 1, 2025.
Life Events: Due to IRS regulations, you cannot change your elections until the next Annual Open Enrollment Period, unless you have a qualified life event during the year. If you experience a life event throughout the year (Marriage, Divorce, Birth, Death, etc.), you only have 31 days from the date of that event to make changes to your benefits.
How to Enroll: To make your benefit elections, please call the SMBO Benefits Call Center at 877-282-0808, where a Benefits Counselor will assist you with any questions and guide you through the enrollment process directly over the phone. You also have the option to view your enrollment live from a computer or smart device.
*All calls are recorded for quality assurance and telephonic signature verification.*
Benefit Contacts
Medical - Kaiser Permanente
800-632-9700
Medical Advice & Appointments - Kaiser Permanente
303-338-4545 | 800-218-1059
24/7 On-Demand Video & Phone Visits - Kaiser Permanente
Mental Health Services - Kaiser Permanente
866-702-9026
Mail Order Pharmacy - Kaiser Permanente
866-523-6059
Travel - Kaiser Permanente
951-268-3900
Dental - Delta Dental
800-610-0201
www.deltadentalco.com | customer_service@ddpco.com
Vision - EyeMed
866-800-5457
FSA/HSA Spending Accounts - WEX
866-451-3399
benefitslogin.wexhealth.com/login | customerservice@wexhealth.com
Life/AD&D - Pamela Lucero (Human Resources)
719-549-7132
Employee Assistance Program (EAP) - CommonSpirit Profile EAP
800-645-6571
puebloschools.mylifeexpert.com
Personalized Benefits - Voya
800-584-6001
Telehealth - New Benefits Teladoc
855-647-6767 | 855-847-3627
Pet Insurance - Nationwide
877-738-7874
benefits.petinsurance.com/pueblodistrict60
General Benefit Inquiries - Pamela Lucero
719-549-7132
Benefits Call Center & Benefits Website - SMBO
877-2828-0808
After reviewing your benefit material, phone the Benefits Call Center to enroll. If possible, be in front of a computer when calling. Our representative will then enroll you over the phone.
877-282-0808
Monday-Friday
6:00am-4:00pm MST
Phone Enrollments

Phone Enrollments

Be in the know
Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of valuable benefits to protect your health, your family, and your way of life. This website provides information relating to the benefit plans for which you may be eligible. Please read this information carefully.