GSD Insurance - Did You Know?

Granite School District has self-funded health insurance, which means that GSD takes on the cost of benefit claims.  Because our insured members have become wise consumers the District is able to keep the cost of the insurance low by comparison with neighboring school districts.  There are some things about this benefit that catch people by surprise, and GEA wants to make you aware of a couple of exclusions within your GSD health insurance.  These exclusions and more are listed towards the front of your insurance booklet.  It’s a good idea to become familiar with these to understand your benefits
 
First, dependent maternity care is not covered, no matter the age of the dependent.  Federal law stipulates those maternity expenses be covered for employees and spouses which is the law your insurance follows.  When the Affordable Care Act, or ACA was passed, children were allowed to stay on their parents’ plans until the age of 26.  Which means some children are pregnant during their time on their parents’ plans, but their maternity costs are not covered by your GSD health insurance. This exclusion has often caught people unaware, and if it had been known, they would have opted for alternate insurance.
 
The second most common exclusion that is not well known is bariatric weight loss surgery.  Not only is this surgery not covered, but any complications also resulting from weight loss surgery will not be covered as well.  Along the same vein, medications and programs for weight loss are also not covered. 
 
One huge plus of Granite’s insurance plans is there is no waiting period for preexisting conditions.  Another perk is the Granite Wellness Center.  Anyone on District insurance has access to the benefits of this facility at no out of pocket cost to them.  Below, please find a list of services, and if you haven’t had a chance to utilize this benefit you can learn more about it here.

• Primary Care
• Rx Dispensing
• Behavior Health Counseling
• Condition Management
• Physical Therapy
• Biometric Screenings
• Vaccinations/immunizations

• Wellness Coaching
• Lab Services
• Acute Care
• Preventive Exams/Physicals
• Care Coordination
• Specialist Referral