Open enrollment begins each year during the month of March. Representatives from OSBA come to do a short presentation in the PAC before a Professional Development (PD) day begins. They set up in the Middle school conference room to help faculty and staff with open enrollment. If you do not have many changes please try to go online and complete your enrollment on your own because there usually is not enough time slots available for our insurance representatives to visit with all employees. Lucretia Thurman is also available in the Business Office for assistance. Email Lucretia Thurman at thurmanl@versaillestigers.org to set up an appointment. 

OSBA has some supplemental insurance policies that you can add such as accidents, short term disability, cancer and others. The supplemental policies that OSBA offers are the only supplemental  policies that can be payroll deducted. 

A sign up sheet available on is made available for faculty and staff to sign up to visit with the OSBA representatives for assistance.

It is important that you review faculty and staff review Open Enrollment information carefully and contact Lucretia Thurman with any questions. 

You are eligible to participate in the Morgan County R-II School District’s benefits program if you are regularly scheduled (full & part time) staff member receiving compensation included in a District contract and/or compensation summary or as required by law. Regularly scheduled is defined as working in a position required during the hours and days of the student attendance calendar authorized for the school term.

The District’s contribution towards medical coverage for part-time employees is pro-rated based on the position and the number of hours worked. The medical premium costs illustrated on this site apply to full-time employees. Part-time employees should contact the District’s Business Services Department at 573-378-4231 x1005 or by email at thurmanl@versaillestigers.org for medical rates.

Requirements and how you enroll depend on whether you are a new hire or have experienced a life change and wish to change your current enrollment.

Making Changes During the Year

The benefit options selected when you first become eligible and/or during the annual open enrollment will remain in effect throughout the calendar year unless you experience an eligible qualifying event.
If you experience an eligible qualifying event during the calendar year, you may request changes to your insurance plans for yourself and/or eligible family members.

Please note:

• If you are adding family members mid-year, they must be added to the plan you are currently enrolled in. A mid-year change will NOT allow you to change plans.
• You do not have the option of selecting the effective date. Your change in coverage will be effective based upon your qualifying event date.
• Your change request and ALL required documentation must be received by the Business Services Office within 31 calendar days of the qualifying event date (for gain or loss of Medicaid or Medicare, documentation must be provided within 60 calendar days of the qualifying event date).
• The change(s) you request must be consistent with the qualifying event.

Eligible Qualifying Events

An eligible qualifying event includes any of the following:

• Adoption, birth, or placement for adoption of a child;
• Employment status change (new employment, increase or reduction in hours or termination of employment) for you, your spouse, or your dependent;
• Enrollment in a plan through the Federal Marketplace/Exchange;
• Gain or loss of Medicaid or Medicare entitlement;
• Guardianship of a child (full and legal);
• Judgment, decree, or order mandating alternative coverage for a child;
• Legal separation or divorce;
• Loss of eligibility for other coverage (no longer qualify as an eligible dependent under the other coverage or end of COBRA or state continuation coverage) for you, your spouse, or your dependent;
• Marriage; or
• Open enrollment for a spouse or dependent.

If you have questions, contact Lucretia Thurman at thurmanl@versaillestigers.org.

You can view the 2024-2025 Open Enrollment and Employee Benefits information in the Ozarks School Benefits Association Employee Benefits Guide. 

This includes the following information:

• Enrollment Information
• District Wellness Program
• Medical Plans
• Health Savings Account
• Flexible Spending Accounts
• Genetic Testing w/ Cancer Support Plan
• Dental Plans
• Vision Plans
• Employer Paid Life
• Voluntary Term Life
• Voluntary Whole Life
• Voluntary LTD & STD
• Voluntary Worksite Benefits
• MASA Medical Transport Plans

Open Enrollment elections become effective as of July 1. 

New Hire elections are effective after the district’s defined waiting period. If you have questions, contact Lucretia Thurman at 573-378-4231 or email her at thurmanl@versaillestigers.org.

Adoption, or Placement for Adoption of Child

Acceptable Documentation:

Copy of finalized court documents indicating date of event.

Effective Date of Coverage:

Earlier of:
(i) the moment of birth for a newborn child if a petition for adoption was filed within 31 days of the birth of the child; (ii) the date the petition for adoption was filed; or (iii) date of child’s placement.

**Date of placement for adoption means the date you assume the legal obligation for total or partial support of the child to be adopted in connection with formal adoption proceedings.**

Birth of A Child

Acceptable Documentation:

Birth certificate, Hospital Crib Card or Hospital invoice showing name and date of child’s birth.

Effective Date of Coverage:

Date of Birth

Employment Status Change

Acceptable Documentation:

If you, no forms required. If spouse or dependent, letter/form from spouse’s or dependent’s old or new employer indicating the gain or loss of employment. Letter/form must indicate coverage type(s), last date of coverage or first date coverage is available, and who was or will be covered.

Effective Date of Coverage:

First day following the date the other coverage terminates or day prior to the date coverage begins.

* Reduction in hours or termination of employment resulting in end of insurance eligibility or new employment or increase in hours resulting in new insurance eligibility

Enrollment in Federal Marketplace/Exchange Plan

Acceptable Documentation:

Copy of enrollment verification which indicates coverage start date.

Effective Date of Coverage:

Day prior to the date coverage begins.

Gain Loss of Eligibility for Other Coverage

Acceptable Documentation:

Letter/form indicating the gain or loss of coverage. Letter/form must indicate last date of coverage or first date coverage is available and what type(s) of coverage are beginning or ending. 

Effective Date of Coverage:

First day following the date the other coverage terminates or day prior to the date coverage begins.

*Loss of eligibility for coverage does NOT include termination of coverage due to untimely payment of premiums or termination for cause. In addition, dropping or cancelling an individual insurance plan is NOT an eligible qualifying event.

Gain of Loss of Medicaid or Medicare Entitlement

Acceptable Documentation:

Letter/form indicating the gain or loss of coverage. Letter/form must indicate last date of coverage or first date coverage is available.

Effective Date of Coverage:

First day following the date the other coverage terminates or day prior to the date coverage begins.

Guardianship of Child (Full and Legal)

Acceptable Documentation:

Copy of court order awarding full guardianship.

Effective Date of Coverage:

Date of legal guardianship as indicated in court documents.

Judgement, Decree, or Order Mandating Alternative Coverage For A Child

Acceptable Documentation:

Copy of medical support order or court documents.

Effective Date of Coverage:

Date indicated in medical support order or court documents.

Legal Separation or Divorce

Acceptable Documentation:

Self: Letter/form indicating the resulting loss of coverage. Letter/form must indicate last date of coverage.
Spouse: Copy of finalized court documents indicating date of event.
Child(ren): Copy of finalized court documents indicating date of event. If coverage is not court ordered, must supply a letter/form indicating the gain or loss of coverage. Letter/form must indicate last date of coverage or first date coverage is available.

Effective Date of Coverage:

Self: First day following the date the other coverage terminates
Spouse: Date of Divorce.
Child(ren): First day following the date the other coverage terminates or day prior to the date coverage begins.

Marriage

Acceptable Documentation:

Marriage certificate indicating both parties and date of marriage.

Effective Date of Coverage:

Date of Marriage

Open Enrollment for Spouse/Child

Acceptable Documentation:

Letter from spouse’s or dependent’s employer indicating an open enrollment change. Letter must indicate coverage type(s), last date of coverage or first date coverage is available, and who was or will be covered.

Effective Date of Coverage:

First day following the date the other coverage terminates or day prior to the date coverage begins.

How to Request a Mid-Year Change

To request changes for yourself and/or eligible family members to your insurance plans mid-year due to an eligible qualifying event, ALL of the following must be received in the Business Services Office within 31 calendar days following the date of the qualifying event date. (For gain or loss of Medicaid or Medicare, documentation must be provided within 60 calendar days of the qualifying event).

1. Insurance Change form accurately completed and signed;
2. Appropriate documentation verifying the qualifying event (see chart below for acceptable documentation); AND
3. Additional premium due, if coverage is being added, paid by check (made payable to Morgan County R-II School District) or cash. If requested, a receipt of payment will be provided to you.

If all of these items are not received within the specified number of days, you will be unable to make a mid-year change and will have to wait until the next open enrollment period to make changes to your benefits.

For additional questions regarding mid-year changes, please contact the Business Services Office at 573-378-4231 x1005 or by email at thurmanl@versaillestigers.org.

When life changes occur, it is important to review your beneficiary designations for your Basic Life, Optional Life, PSRS/PEERS Retirement, and 403b/457 Retirement plans.

Be proactive in updating your beneficiary designations and provide complete information to help ensure any benefit payable at your death is distributed in accordance with your wishes.

Important: If a change in life status, such as a marriage, divorce, birth or adoption of a child, has occurred since you have filed your beneficiary designation with PSRS/PEERS, your designation is invalid. You must file new beneficiaries with PSRS/PEERS or Missouri law will determine your beneficiaries if you die before retirement.

PSRS/PEERS

PSRS/PEERS provides valuable protection to your beneficiaries if your death occurs prior to retirement. Be proactive in updating your beneficiary designation and provide complete information to help ensure any benefit payable at your death is distributed in accordance with your wishes.

Important: If a change in life status, such as a marriage, divorce, birth or adoption of a child, has occurred since you have filed your beneficiary designation with PEERS, your designation is invalid. You must file new beneficiaries with PEERS or Missouri law will determine your beneficiaries if you die before retirement.

For additional information about beneficiary designation, review the Protecting Those you Care About brochure. For questions regarding your beneficiary information, please contact a Retirement System representative at (800) 392-6848, as the District does not have access to your beneficiary information. To change your beneficiary information, please visit the Retirement System’s website at PSRS-PEERS to complete the required form.

Life Insurance

There are two types of life insurance beneficiaries: Primary (First) and Contingent (Secondary).

A Primary (First) beneficiary is the person or persons who would receive your life insurance proceeds in the event of your death. You may designate more than one beneficiary however the total Primary beneficiary designated percentage must total 100%.

A Contingent (Secondary) beneficiary is the person or persons who would receive your life insurance proceeds if every Primary beneficiary is not living at the time of your death. You may also designate more than one beneficiary however the total Contingent beneficiary designated percentage must total 100%.

NOTE: Basic Life beneficiaries and Supplemental Life beneficiaries do not need to be the same. If you wish to designate a minor as your beneficiary you may want to seek legal advice.

If you do not designate a beneficiary, or if none of the beneficiaries you designated are living at the time of your death, payment will be made to your estate.

Retiree and COBRA participants should contact CBIZ COBRA/Retiree Billing for insurance changes, premium payment questions, etc. 

CBIZ: 800-815-3023

Yes! Add your family members as dependents at the beginning of your enrollment on the dependent screen (SSNs are required). This will allow you to see dependent costs throughout the enrollment and add family members to any eligible plan.

The district offers a variety of benefits to all active employees. They include:

• OSBA Wellness Program
• Anthem PPO & HSA Plans
• Flexible Spending Accounts (FSA)
• Genetic Testing with Cancer Support
• Dental Plans – Anthem Dental
• Vision Plan – Anthem Vision
• Employer Paid Life Insurance – Board Paid Life/ADD
• Voluntary Life Insurance – Term & ADD
• Voluntary Life Insurance – Whole Life with Long-Term Care
• Disability Insurance – Voluntary Long-Term & Short-Term Disability
• Voluntary Worksite Benefits (e.g. Accident Insurance, Critical Illness Insurance, & Hospital Indemnity Insurance)
• Medical Transport – Masa Emergent Plus & Platinum Plans

See the OSBA Benefits Guide to learn more about each one of these benefits.

A health savings account is a bank account you deposit pre-tax money in to be used to pay for your current or future qualified health expenses for you, your spouse, and/or your eligible dependents. You can contribute to your HSA by pre-tax payroll deductions. Once money goes into the account, it’s yours to keep – the HSA is owned by you, just like a personal bank account.

Per IRS regulations, you must be covered under an OSBA HSA Medical plan to make or receive contributions to a Health Savings Account (HSA).

You are not eligible to make or receive contributions to an HSA if:

• You can be claimed as a dependent on someone else’s tax return, OR
• You have other medical insurance coverage which is a traditional medical plan or any other non-qualified medical plan, OR
• You have medical coverage provided by Tricare, Medicare or Medicaid, OR
• You have received non-preventive care benefits from the Department of Veteran’s Affairs (VA) or one of its facilities, including prescription drugs, in the prior 3-month period, you are excluded from contributing or receiving contributions the next 3 months (NOTE: Hospital care or medical services for a service-connected disability will not affect your HAS eligibility), OR
• You or your spouse participate in a Section 125 Medical Flexible Spending Account (FSA). You are considered to be a ‘‘beneficiary’’ of your spouse’s Medical FSA even if you do not plan to run your expenses through it. (NOTE: There is no restriction to participating in a Section 125 Dependent Care Account, Limited Flexible Spending Account, or sheltering premium payments for medical, dental, vision, and life insurance.), OR
• You or your spouse are covered under a Health Reimbursement Arrangement.
• Link to additional HSA Rules & Regulations

If you open and contribute to an HSA and then later become ineligible, please contact Lucretia Thurman at 573-378-4231 x1005 or by emailing her at thurmanl@versaillestigers.org.

To open a HSA you must do so through annual enrollment. When you enroll in an HSA, follow these helpful hints to ensure you provide the most current and up-to-date information:

• You must be 18 years old to open an HSA.
• Provide your full legal name including your middle initial. Do not use a nickname, an Americanized version of your legal name, or variations in spelling from your legal name.
• Use your current residential address. Do not use a post office box or a non-U.S. address.
• Triple check that you have provided the correct social security number.
• Include your full date of birth, including the month, day and year.

Next steps of the account opening process

Once your employer submits your enrollment information, you will receive a welcome letter or email before your plan effective date. If your information did not pass CIP, we will contact you via your chosen communication method. The communication will explain the CIP issue and request the documentation needed to confirm your identity or address. If you do not submit the documentation within the time frame indicated, you will receive two follow-up and final requests.

Carefully complete your enrollment information, and please be sure to respond promptly if we ask for more information.

National Benefit Services (NBS) is the vendor that your health savings account is managed through. You will use their website, apps, and many other useful tools to help you get the most out of your HSA experience. 

You will get a NBS debit card to use for qualified purchases.

2024 Contribution Limits are:

$4,150 – Individual

$8,300 – Family

$1,000 – over 55 catch up limit

To learn more about the difference between Medical Plans and Health Savings Accounts (HSA) and what the district currently offers, see the district’s Benefit Guide. Go to the Flyers, FAQs, and Participant Packet to learn more to see if an HSA is right for you. Also, view the NBS Useful Tools folder for more helpful information once you get started with your HSA.

• If you use the money for non-qualified expenses, then the money becomes taxable and is subject to a 20% excise tax penalty (like an IRA account) plus your regular income tax. The 20% is waived upon attainment of age 65.
• Contributions are based on a calendar year.
• Any contributions your district may make on behalf must be included in the IRS limits.
• You can change your contribution amount at any time during the year.
• Funds can be used for your spouse and for your eligible dependents' qualified health expenses – even if they are not covered by your medical plan.