The second question that you should ask about is insurance benefits. What types of insurance are offered? HMO, PPO, Health Savings Account, Flexible Spending Account? Make sure that you understand the type of insurance and the network that you are in for your health care. With your health insurance, do you have a copay that you would pay when you visit a physician? What is your deductible limit? Is there a copay for prescriptions and if so, what is the copay?
Do you get dental insurance? What is covered in the dental, cleaning at 100%? Do you get life insurance?
Does the board pay the single coverage of health, dental and life insurance or is there a cost to you as the employee? If there is a cost, how much is that monthly? What is the timeframe of the coverage; through the school year and summer? If you need family insurance, is it available to you? If so, what is the cost monthly and the family deductible?
Most districts have an insurance packet that explains all the benefits available to employees. Be sure to ask questions if you are unsure about the coverage and costs.
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