Benefits Open Enrollment

Cigna Dental HMO (DHMO) Plan

  • The Cigna Dental HMO plan is a co-payment plan. 
  • At the time of enrollment, you must choose an in-network general dentist to manage your overall care.  If you see a dentist outside Cigna’s DHMO network, the plan will not pay.
  • There are no annual maximums and no deductible.
  • When you receive dental service, Cigna allows your network dentist to charge a certain amount.
  • You will pay a fixed portion of that cost and the dental plan will pay the rest. 
  • The cost for services is listed in Cigna’s Dental Care Patient Charge Schedule. Click here to review Cigna's Dental Care Patient Charge Schedule.
Not sure if this is the right plan for you?  Click here to take Cigna's quiz on selecting between the Cigna Dental Care (DHMO) and the Cigna Dental PPO (DPPO).
 
Want to learn more about the differences in the DHMO plan and the Cigna Dental PPO (DPPO) plans?

We’ve Got Answers

80% of employees enrolled in one of the Cigna PPO dental plans see a dentist that is not in the Cigna Dental DHMO network.  Call your dentist and confirm if he/she is in the DHMO network or go to cigna.com to Find a Doctor.


 

Login to Employee Online to make your 2018-19 benefits elections

You MUST re-enroll to elect your 2018-19 contributions to the Flexible Spending Account for health care, limited dental/vision and dependent care. Remember to type "2018-19 Plan Year" in the text box.

You will receive an email for every election you submit. If you do not receive the email, call Becky Lujan at 303-347-3371 or email blujan[at]lps.k12.co[dot]us.

Benefit rate sheets and forms are accessible through InsideLPS Staff Intranet

ENROLLMENT FAQs

 How long is the open enrollment period?

Benefits open enrollment is May 14, 2018 through May 30, 2018 for an effective date of July 1, 2018. You may make as many changes as you like during this period.


 What is my employee number?

Your employee number is a six-digit number that was assigned to you when you started working for LPS. You use this number to login to Employee Online and LARS, but your passwords may be different for each program. If you have any trouble logging in to Employee Online, call Giovanna Delgado, Employment Technician, at (303) 347-3369 or by email to gdelgado[at]lps.k12.co[dot]us.

Please note, changes made after midnight on May 30, 2018 will not be accepted. Human Resources is open from 7:30 AM to 4:30 PM, Monday through Friday.


 Do I have to make my benefits elections online?

Employees must make their benefit elections online through Employee Online. If you have any trouble logging in to Employee Online, call Giovanna Delgado, Employment Technician, at (303) 347-3369 or by email to gdelgado[at]lps.k12.co[dot]us.


 Can I use Chrome when accessing Employee Online?

The information is best displayed in Internet Explorer. While you might see most of the information in Chrome, you might lose some of the functionality of the system. For best results, please use Internet Explorer to make your benefits elections.


 How do I make sure that my family members are covered?

First, you will add your family members on Employee Online under the Family Information tab. When you make your benefits elections, you'll check the box next to the family members that you'll be covering.


 I want my HSA, FSA Health, and/or FSA DENTAL/VISION elections to be the same as last year. The system is giving me a message that says, "Nothing saved because no changes have been made." How do I make my elections and make sure the system has accepted them?

After you have entered your HSA or FSA contribution amount, the system requires some type of change. We suggest you type something in the notes field on the FSA election screens like, "2018-19 Plan Year." Once you do that, your elections will save.


 I'm planning on retiring soon. Is there anything special I need to do?

If you are within 5 years of retirement, you should consider:

  1. Dropping participation in the Section 125 Plan Premium Only Plan (POP) by electing the after-tax option for the medical, dental and/or vision plans to maximize your future PERA retirement benefits.
  2. Not enrolling in the Section 125 Plan general purpose health flexible spending, limited health flexible spending account (dental/vision only) and dependent care flexible spending account to maximize your future PERA retirement benefits.
  3. PLEASE NOTE: Health Savings Accounts (HSA), 401(k), 403(b), and 457(b) contributions do not affect your future PERA retirement benefits. It is not necessary to stop those enrollments prior to retirement to maximize your future PERA retirement benefits.

 I don't have ANY changes to my benefits elections. What do I need to do?

If you have FSA Health and/or FSA DENTAL/VISION you must login and enter your contribution amounts (see above for a helpful tip).

If you do not have any FSA elections, and you have absolutely no other changes to your benefits elections, you don't need to do anything. That's right, you don't need to do a thing. Human Resources will roll your prior year benefits elections to the corresponding next year benefit plans.

For additional information, please refer to the Orange Flyer that was distributed to each employee. You may also reference emails sent from HR.


 How do I know that my benefits elections have been accepted and that I'm enrolled in the plans I want?

After you have made your benefits elections, you will receive an email notification for each request submitted. After open enrollment closes, you will receive a second email notification when each request is approved or denied. Additionally, your election choices are visible in the Open Enrollment Summary View screen that loads automatically after each benefit election is made. All elections made will show "Request Pending" in the Enrollment status column.


 What happens if I don't take any action?

If you do not have any FSA elections, and you have absolutely no other changes to your benefits elections, you don't need to do anything. That's right, you don't need to do a thing. Human Resources will roll your prior year benefits elections to the corresponding next year benefit plans.

For additional information, please refer to the Orange Flyer that was distributed to each employee. You may also reference emails sent from HR.

After the open enrollment period ends on May 30, 2018, Human Resources will get to work approving requests and submitting your information to the appropriate carriers. On July 1, 2018 you may log in to Employee Online and view your benefits options by clicking on "Insurance" under the Benefits section from the menu that runs down your screen on the left.

Your current benefit plans will be viewable in the Insurance Benefits screen. You can still get detailed information on your plan by going to www.littletonpublicschools.net, For Staff, Benefits.


Pre-Tax vs. After-Tax Elections

You have the option of paying for your benefits with pre-tax or after-tax dollars. Pre-tax elections are deducted from your gross pay before tax is calculated on your earnings. This reduces your gross taxable wages and the tax withheld from your pay. After-tax elections are made with the money left in your paycheck after taxes are deducted. This is the amount available for your after-tax insurance premiums.

If you are within five years of retirement, in order to maximize your PERA retirement benefit you should not participate in any of the Section 125 plans, including paying for your portion of your benefits pre-tax. You may participate in a Health Savings Account, however.