We know your health is important to you, and it is important to us, too. That’s why we are committed to providing you and your family a strong benefits package. The information in this booklet provides an overview of your 2026 benefits package to help you in making the choices that best meet your individual and family’s needs. You have the power - take your health into your own hands through the offerings available to you. We encourage you to read this guide carefully and go online to complete enrollment through KBS Employee Benefit Solutions.
New this year: USD 385’s plans with Gravie – There will be new plan designs being offered through Gravie. Please review the plan offerings to elect the plan that suits your health care needs best. Gravie offers many enhancements to your experience, which you will find in the following pages. The Board of Education has agreed to increase the contribution to the medical plans this year. The medicals plans will see an increase to payroll deductions. The dental plan payroll deductions increased slightly. Please continue to take a more thoughtful approach to how you utilize your benefits in effort to keep our costs low and benefits high.
An annual open enrollment period is announced each fall, in which eligible employees can make certain coverage elections and/or changes.
New Employees: If you’re enrolling mid-year, the benefits you selected during new employee processing will remain in effect until December 31st. Be sure to participate in the district-wide open enrollment for the next year’s benefits when it is held in October.
Once you have logged in, our Virtual Assistant, Alec, will guide you through each step of the enrollment process.
Employees - Regularly scheduled to work at least 30 hours per week. Coverage is effective first of the month following the first 30 days of employment.
Dependents - As an employee eligible to enroll in the group insurance plans, you may elect certain options for your dependents. Eligible dependents include:
After your initial eligibility date and other than the annual open enrollment period, you may only change your benefit elections and covered dependents within 30 days following a qualifying event such as:
You must notify HR within 30 days of the event.
For more info visit: www.healthcare.gov.
Classified employees working less than 12 months per year will be required to remain on the plan during the summer months and you will pre-pay for these months of coverage through payroll deduction.
The district will continue to contribute to all tiers during months when they are not scheduled to work. You will only be responsible for the employee portion of the premiums.
For classified employees taking the $120-month salary in lieu of health insurance, please note that due to the health care reform, proof of employer-sponsored group health insurance will be required during open enrollment in order for your salary in lieu payments to continue. Aid provided by the State of Kansas (KanCare), Medicare, and Medicaid are considered individual plans and are not eligible for the salary in lieu benefit.
While you may request a paper copy of important legal notices about your benefits, rights, and responsibilities, you can also access these electronically on our website. Please contact Human Resources if you have any questions.
Scroll table horizontally to view all plan options →
| Medical Coverage | Option A | Option B | Option C | Option D - HSA Eligible |
|---|---|---|---|---|
| In Network | Benefit Period | January 1 - December 31 | |||
| Deductible (Individual | Family) | $2,000 | $4,000 | $3,500 | $7,000 | $5,000 | $10,000 | $5,000 | $10,000 |
| Coinsurance (Plan | Member) | 70% | 30% | 70% | 30% | 70% | 30% | 100% | 0% |
| Maximum Out-of-Pocket (Individual | Family) | $6,350 | $12,700 | $6,350 | $12,700 | $6,350 | $12,700 | $5,000 | $10,000 |
| HSA Qualified Plan | No | No | No | Yes |
| Referrals Required | No | No | No | No |
| Office Visit (Primary | Specialist) | $35 | $75 | $35 | $75 | $35 | $75 | No Cost after Deductible |
| Telehealth (Teladoc) Visit | $0 | $0 | $0 | No Cost after Deductible |
| Preventive Care | Covered 100%, no Deductible | |||
| Urgent Care | $50 Copay | $50 Copay | $50 Copay | No Cost after Deductible |
| Emergency Room | $250 Copay , then 30% after Deductible |
$250 Copay , then 30% after Deductible |
$250 Copay , then 30% after Deductible |
No Cost after Deductible |
| Outpatient Diagnostic Lab | 30% after Deductible | 30% after Deductible | 30% after Deductible | No Cost after Deductible |
| Outpatient Diagnostic X-Ray & Advanced Imaging |
30% after Deductible | 30% after Deductible | 30% after Deductible | No Cost after Deductible |
| Routine Vision Exam 1 visit every 12 months | Covered 100% no Deductible | No Cost after Deductible | ||
| Inpatient Hospital & Outpatient Facility |
30% after Deductible | 30% after Deductible | No Cost after Deductible | No Cost after Deductible |
| Outpatient Mental Health & Substance Abuse |
$35 copay | $35 copay | $35 copay | No Cost after Deductible |
| Inpatient Mental Health & Substance Abuse |
30% after Deductible | 30% after Deductible | No Cost after Deductible | No Cost after Deductible |
| Drug (Rx) Coverage | Option A Rx | Option B Rx | Option C Rx | Option D Rx |
| Rx Deductible | No Deductible | No Deductible | No Deductible | Medical Deductible |
| Tier 1 (Retail | Mail Order) | $20 | $40 | $20 | $40 | $20 | $40 | No Cost after Deductible |
| Tier 2 (Retail | Mail Order) | $40 | $80 | $40 | $80 | $40 | $800 | No Cost after Deductible |
| Tier 3 (Retail | Mail Order) | $70 | $140 | $70 | $140 | $70 | $140 | No Cost after Deductible |
| Specialty | 20% up to $80 | 20% up to $80 | 20% up to $80 | No Cost after Deductible |
Use the horizontal scroll area below to view all five columns of the rates table.
| Plan | Enrollment Tier | Total Premium | Employer Contribution (What the District Pays) |
Employee Contribution (What YOU Pay) |
|---|---|---|---|---|
| Option A $2,000 Ded. | Employee Only | $757.87 | $515.00 | $242.87 |
| Employee + Spouse | $1,652.15 | $685.00 | $967.15 | |
| Employee + Child(ren) | $1,515.73 | $685.00 | $830.73 | |
| Employee + Family | $2,349.39 | $865.00 | $1,484.39 | |
| Option B $3,500 Ded. | Employee Only | $717.44 | $515.00 | $202.44 |
| Employee + Spouse | $1,564.02 | $685.00 | $879.02 | |
| Employee + Child(ren) | $1,434.88 | $685.00 | $749.88 | |
| Employee + Family | $2,224.06 | $865.00 | $1,359.06 | |
| Option C $5,000 Ded. | Employee Only | $698.17 | $515.00 | $183.17 |
| Employee + Spouse | $1,522.00 | $685.00 | $837.00 | |
| Employee + Child(ren) | $1,396.33 | $685.00 | $711.33 | |
| Employee + Family | $2,164.32 | $865.00 | $1,299.32 | |
| Option D (HSA) $5,000 Ded. | Employee Only | $672.51 | $515.00 | $157.51 |
| Employee + Spouse | $1,466.07 | $685.00 | $781.07 | |
| Employee + Child(ren) | $1,345.02 | $685.00 | $660.02 | |
| Employee + Family | $2,084.78 | $865.00 | $1,219.78 |
IMPORTANT NOTE—Option D requires all services to be paid by the member up to the Deductible amount before the plan begins to pay for services. Please review the Health Savings Account section for information on the Health Savings Account (HSA) that can help save for these costs in a tax free account.
Classified employees who work less than 12 months are required to remain on all elected benefit plans during the summer months and pre-pay for the months of coverage through payroll deduction. The district will continue to contribute to all tiers during months when they are not scheduled to work. You will only be responsible for the employee portion of the premiums.
For classified employees taking the $120 per month salary in lieu of health insurance, please note that due to the health care reform, proof of employer-sponsored group health insurance will be required during open enrollment in order for your salary in lieu payments to continue. Aid provided by the State of Kansas (KanCare), Medicare, and Medicaid are considered individual plans and are not eligible for the salary in lieu benefit.
Gravie Pay improves access to healthcare by allowing you to pay for out-of-pocket medical expenses at your own pace.
Get the care you need, including medical procedures and prescriptions that are subject to your out-of-pocket responsibility.
Access Gravie Pay through your member account and use Gravie Pay to pay your portion of bills you receive from your provider.
Select a monthly repayment plan that works for you, paying at your own pace without fees or interest.
Questions? Call 866.863.6232 or send a secure message at member.gravie.com/contact
For many Gravie health plan members, these services are included at no additional cost. Check your benefits summary for more information.
24/7 access to virtual care for a broad range of everyday health issues. With access to board-certified doctors anytime, anywhere, you can avoid unnecessary trips to the doctor’s office and costly visits to the ER. Schedule an appointment or choose to talk to a provider right away.
Initiate contact through Teladoc’s app, website or by phone
Request an immediate visit or schedule a visit at a preferred time
Visit with the physician via phone or video
Physician posts a visit summary to your file and sends RX to your pharmacy if necessary
Gravie partners with Aetna Signature Administrators to provide broad access to quality coverage.
Aetna Signature Administrators offers one of the nation’s leading Exclusive Provider Organization (EPO) — a network of physicians, clinics, hospitals, and other health care providers who have agreed to deliver quality, cost-effective health care services. Out of Network claims will not be covered under the plan.
Before receiving care, you can easily search for doctors, specialists, clinics, and more. All you need to do click the link here to access the provider search now: Provider Search - Home (aetna.com). It is important to utilize in network providers, as these plans do not have out of network benefits.
Wherever you go in the US, you’ll have access to a broad EPO network. For details on your travel coverage, contact Gravie Care.
For preferred brand, non-preferred brand, and specialty drugs you’ll want to look up and verify how your prescriptions are classified to confirm how you’ll be billed. To review the prescription list click the link below: Prescription Search
Let’s face it, the health insurance industry has a bad rap when it comes to customer service. Complicated bills, long wait times, and confusing jargon . . . we all avoid it if we can.
Gravie is changing the narrative. We believe that health benefits are only effective when members understand how to use them, which is why Gravie Care is included with every plan.
The Gravie Care team goes beyond fielding phone calls and answering questions — anticipating members’ needs, helping resolve issues before or as they arise, and closing cases in record time. Gravie equips brokers with relevant tools and reporting to help employers and their employees stay informed and supported throughout the year.
Today’s consumers expect more from their service providers. Gravie Care offers an exceptional recruitment and retention tool for employers with a service that exceeds employees’ expectations about their health benefits. With licensed insurance experts on speed dial, every employee will have access to helpful support when they have questions about bills, costs, network coverage, and beyond.
Gravie’s Customer Satisfaction Score is 95% compared to the industry average of 74%.
“The customer service is definitely better with Gravie versus your mainstream carrier.”Gravie Member
316-733-5041 | www.equitybank.com
USD 385 will continue to allow individuals to sign up for an HSA (Health Savings Account) when choosing Medical Plan D - High Deductible Plan. We have partnered with Equity Bank to be our HSA Administrator. This will allow us to payroll deduct your contribution pre-tax. During Open Enrollment, you will have the opportunity to elect your HSA contribution.
The individual must:
(*non-Limited Purpose)
For a full list of eligibility requirements, please go to:
https://www.irs.gov/publications/p969/ar02.htmlHSA qualifying expenses include doctor office visits, prescription drugs, eye exams, glasses, contact lenses, chiropractor visits, laser eye surgery, and orthodontia, to name a few. There are many more eligible items you can pay for with HSA money.
There is an administration fee of $2.50 that will be deducted from your account each month.
Although your HSA administrator does not request receipts to validate the use of the HSA for you, it is a good idea to keep your own records. It is your responsibility to track the use of your HSA account and you may be required to show proof of your expenditures to the IRS. We recommend you designate a place to store all your receipts so they are available when you need them.
All the money deposited in your HSA, but not spent during the year, rolls over to the next year. HSAs do not have a “use or lose it” provision. You have the option of accumulating money in your HSA to pay for future eligible expenses.
