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Open Enrollment

Open Enrollment is Here!

The 2026 Open Enrollment dates are October 6th – October 31st

Changes made during Open Enrollment will take effect on January 1, 2026

 

Open enrollment is that one time of year when employees can make changes to their benefits enrollment or enroll in new plans. This is the designated time to make these important decisions. Once this window closes, you can't make any changes until next year, unless you have a major life event like getting married or having a baby. So, take a moment to look over all your options and choose what's right for you and your family for the year ahead.

American Fidelity Meetings

This year, the district is moving to a new, more efficient online benefits platform called AFenroll, in partnership with American Fidelity. This new system will streamline the enrollment process for all medical, dental, vision, and most supplemental benefits. Moving forward, employees will also have the ability to review their health and supplemental benefits in one convenient location. 

To ensure a smooth and successful transition, all benefit-eligible employees will be required to meet with an American Fidelity representative during this Open Enrollment. They will be on-site to guide employees with enrollment using the new platform.

 

FAQ: Do I need to meet with American Fidelity if I have waived enrollment in health insurance with SMUSD?

  • Yes, this year, all benefit-eligible employees will need to meet with American Fidelity.

 

 

Schedule Your Appointment With American Fidelity Here

Open Enrollment Plan Info & Changes

  • Beginning with your December 2025 paycheck, benefit premium deductions will be paid one month in advance. Additional information is available here: 

    Change in Benefit Schedule Letter

    FAQ: Will I have two deductions in December

    • No, employees will have one dedution in December that will apply to January.

     

  • All health plans will continue for 2026, with the exception of the UnitedHealthcare Nexus PPO plan, which will be discontinued. 

    2026 health plan changes and information can be found in the 2026 VEBA Member Benefits Guide

    Key Changes:

    • SB 729 Fertility Mandate
    • GLP-1 Prescription Management
    • Increased HRA funding for the Journey Alliance Plan

     

  • There are no changes to the Delta Dental plan for 2026. 

    Please click on the link below for plan information. 

    Delta Dental Plan Information

     

  • There are no changes to the VSP vision plan for 2026. 

    Please click on the link below for plan information. 

    VSP Vision Plan

  • New enrollment in the MetLife Legal plan is only available during Open Enrollment. The enrollment deadline is 10/31/25. 

    The MetLife Legal Plan rate will increase effective 1/1/26. 

    New Tenthly Rates: 

    Base Plan – $27.60, Parents Plus Plan – $33.60

    Additional info is available here: 

    MetLife Enrollment/Drop Form

    MetLife Legal Plan Information

     

  • During Open Enrollment, employees can apply for additional life insurance through The Hartford and Long Term Care Insurance through Unum. Please click on the link below for additional information. 

    The Hartford and Unum Additional Info

We're Here to Help!

LeAnna Winter, Benefits Analyst

Phone: 760-752-1241

Email: leanna.winter@smusd.org

Marion Bowen, HR Support Tech

Phone: 760-752-1249

Email: marion.bowen@smusd.org

American Fidelity

Questions about AFenroll & Required Appointments

Phone: 800-365-9180

Email: afes-wildomarbranch  @americanfidelity.com

VEBA

Questions about Kaiser, UnitedHealthcare, Surest, Express Scripts, Optum, and other VEBA options.

Phone: 888-276-0250

Contact Form: VEBA Online Contact