2021 Open Enrollment – COBRA & ED Code Participants

JHMB

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This year’s annual Open Enrollment for 2021 benefits occurs from October 1 to November 30, 2020. If you wish to make any changes to your existing coverage, you must complete the enclosed Enrollment Form and return it to the District Benefits Office no later than Monday, November 30, 2020.  All changes will be effective January 1, 2021. Please review the following brief highlights in this letter to understand changes that may affect you in 2021.

If you do not wish to make any changes to your existing coverage for the upcoming year, no action is required on your part during this Open Enrollment period. However, if you wish to make changes to your existing coverage you must complete the Benefits Open Enrollment form enclosed in this packet.  

[tabs tab1=”COBRA Participants” tab2=”ED Code Participants” ] [tab]

[togg title=”All Plan Participants”]

COVID-19 Resources Available on JHMBHealthConnect.com

COVID-19 has presented us with arguably one of the most challenging periods of our lifetimes. Throughout it all, the Joint Health Management Board (JHMB) has continued to work diligently to maintain a cost-effective healthcare program for our employees, retirees, and their families – in spite of all that COVID-19 has thrown our way.

Since the pandemic began, the JHMB has provided special email alerts to our 6,500+ email subscribers, along with updates to the COVID-19 resources section online at www.JHMBHealthConnect.com/resources-tips. Most recently, we have shared information and resources regarding:

  • – COVID-19 Testing Sites and Resources in Fresno County
  • – Fresno County Pre-Diabetes & Diabetes Resources During COVID-19
  • – Caregiver Resources As Kids Return to School

In addition, the COVID-19 Resources section houses information from our key health and wellness partners to help you navigate both your healthcare and self-care during this challenging period. These services are here for you in your time of need, so be sure to check out the information available and contact the appropriate vendor when the need arises.

  • – PlushCare Telehealth: Contact a physician (by phone or video) without leaving your home – now with $0 copay during the COVID-19 national emergency period.
  • – Claremont EAP: Access online resources and support, and/or call and speak with representatives for free and confidential counseling, legal and financial consultations, and work/life referrals.
  • – Kaiser Permanente®: Adult members can download 2 popular self-care apps – Calm and myStrength.
  • – Halcyon Behavioral Health: Inpatient and outpatient mental health and substance abuse services.

Stay Safe and Stay Informed

We appreciate your understanding as we continue to grapple with this historic pandemic and protect the health of the District and our community. We will continue to do our best to keep you informed, ensure the sustainability of the Plan, and minimize potential disruptions caused as a result of COVID-19. Visit the COVID-19 resources section online at www.JHMBHealthConnect.com/resources-tips.

[/togg]

[togg title=”Plan Option A and Option B (PPO) Updates”]

EnvisionRx is Now Elixir

On September 1, EnvisionRx officially changed its name to Elixir. Here’s what this change means for you:

  • – Continue using your current pharmacy benefits Member ID card.
  • – Access your benefits and services as you always have, even if you see both names on different materials.
  • – Get ready for some exciting updates to the Member Portal and mobile app, which are coming soon!

For more details on this change, visit https://visiblydifferent.envisionrx.com/blog/elixir-is-coming. If you have questions, contact the EnvisionRx Dedicated Line for Fresno Unified members at
(833) 640-2849.

The EnvisionRx/Elixir Customer Service Survey

We Need Your Feedback: Survey Open from October 1 – 30, 2020

One of the JHMB’s core missions is to manage and maintain the highest quality health benefits possible on behalf of active and retired employees. From time to time, we reach out to you (as plan participants) to help us understand and manage the service you receive from our benefits vendors.

Last year, we conducted a customer service survey for our prescription drug program and received valuable feedback from hundreds of our plan participants. You can review the follow up report from last year’s survey here: http://www.JHMBHealthConnect.com/9372.

Your feedback was essential in helping us identify and improve gaps in service. Now it’s time to assess our progress over this past year.

If you have used your EnvisionRx prescription drug benefits within the last year, we ask that you take a moment to answer 10 simple questions to help us assess and improve your customer experience. The survey asks brief questions regarding the following aspects of the prescription drug program:

  • – Overall Customer Service
  • – Retail Pharmacy
  • – Mail Order Pharmacy
  • – Specialty Pharmacy
  • – Website and Member Portal

This is your chance to provide feedback on the services you’ve received from EnvisionRx and its partners over the last year. You may also add written comments to provide more details regarding your experience(s).

Take the Survey & Enter to Win a $50 Gift Card

You may complete the survey either using the paper survey enclosed in this packet or online at: www.JHMBHealthConnect.com/rxsurvey. If you wish to enter into a raffle for a $50 Visa Gift Card, please provide your employee/retiree ID number when you complete the survey. It will help us identify you if you win the raffle. We look forward to your feedback and thank you for helping us manage the highest quality benefits for you and your family.

We look forward to your feedback and thank you for helping us manage the highest quality benefits for you and your family.  

[/togg]

[togg title=”Rate Contribution Changes for 2021″]The Joint Health Management Board (JHMB) continuously strives to manage and maintain the highest quality and most cost-effective benefits for our active employees and retirees. Medical, dental, and vision premiums depend on the plan option(s) you select. Please review the rates included on the enclosed Benefits Enrollment form for more details.

Thanks to the improved program usage by our employees and retirees, and the efforts of the Fresno Unified School District and the JHMB, these rate changes are not as large as the healthcare industry average increases in recent years. However, it will require continued efforts by all of us to manage our overall healthcare expenses to help minimize increases in the coming years.

[/togg]

[togg title=”Plan Option C (Kaiser Permanente)”]You can only enroll in Kaiser Permanente Health Plan if you live or work in a zip code on the attached Kaiser zip code range list. To enroll in Kaiser, you must complete the Kaiser enrollment form along with the FUSD benefits enrollment form. For more information about Kaiser Permanente plan benefits and service areas, review the supplemental information enclosed in this Open Enrollment packet.

[/togg]

[togg title=”Telehealth Services at Your Fingertips – No Co-Pay During COVID-19 Pandemic*”]

The Joint Health Management Board (JHMB), in partnership with TeamCare, provides you with access to PlushCare’s network of telehealth physicians available to you and your covered family members. For both PPO Plans, Plan Options A and B, the Plan covers all of the cost for each appointment. No deductible applies when using PlushCare! As a reminder, Plan Option A has a $250 deductible and $15 copayment, and Plan Option B has a $1,000 deductible and $25 copayment.

PlushCare’s physician network consists of board certified physicians in internal medicine, family medicine, emergency medicine, or pediatrics that trained at a top-25 medical school in the United States. Their physicians provide the same level of care as in-person visits, including electronic prescriptions to your pharmacy in seconds. Fresno Unified plan participants have most commonly used PlushCare for respiratory conditions, urinary conditions and skin conditions. In fact, over one-third of the appointments were scheduled for respiratory conditions. Most plan participants using PlushCare call the service 3-5 times per year.

* The PlushCare $0 copay was effective March 18, 2020, and shall continue until the COVID-19 national emergency is declared over.

Go online at any time to schedule an appointment! You call or video chat with a physician and he or she will diagnose you or your family member’s health issue. Your PlushCare physician will then provide recommended treatments based on your symptoms. If appropriate, the physician can write a prescription and have it sent immediately to the pharmacy of your choice.

How to Use PlushCare

  1. – Call (866) 460-6205, go online at www.plushcare.com, or download the PlushCare app. First time users will need to register. You will need to provide your name, date of birth, email address, and create a password. It only takes a couple of minutes. Register today!
  2. – Select “Book Appointment” and choose which physician you wish to talk with at a time that is convenient for you.
  3. – The doctor will call or video chat with you at your scheduled appointment time.
  4. – If necessary, prescriptions will be sent to your pharmacy in seconds!

If you’re not one of the several hundreds of plan participants that have begun to use this service this year, we recommend it as your first option the next time you need access to a physician. For more information, visit www.JHMBHealthConnect.com/telehealth-at-your-fingertips.

[/togg]

[togg title=”Take a Healthy Minute and Schedule a Preventive Cancer Screening”] Under the District’s health plan, all participants are eligible for FREE preventive cancer screenings. Take a Healthy Minute and schedule an appointment with your physician today to get up-to-date with your routine cancer screenings.

[/togg]

[togg title=”Review/Download the Materials”] To assist you in making the best decisions for you and your family, the following information is available for your review: [checklist]

[/checklist] For additional plan information and/or provider contact information view the following pages: www.JHMBHealthConnect.com/your-benefits www.JHMBHealthConnect.com/using-plans[/togg]

[togg title=”Submitting Your Open Enrollment Materials in the COVID-19 Era”]Given the current situation with COVID-19, our Open Enrollment application process has been modified to limit the size of group gatherings and practice social distancing. We are following the guidance of CDC and local public health officials and are taking every precaution to protect our plan participants, their families, and the entire Fresno community. Please choose one of the following methods to submit your materials by Nov 30, 2020:

  1. Mail – Open Enrollment forms and supporting documents* to:

                Fresno Unified School District
                Attn: Benefits Department
                2309 Tulare St.
                Fresno, CA 93721

  1. Email – Open Enrollment forms and supporting documents to: FUSDBenefits@fresnounified.org
  2. Fax – Open Enrollment forms and supporting documents to: 559-457-3760
  3. Make an Appointment – As a last resort, you may call 559-457-3520 to make an appointment to physically bring forms into the Benefits Department. However, please note that the availability of staff will be limited due to the current situation.

* Do not mail original birth or marriage certificates to the District.

[/togg]

[/tab] [tab] [togg title=”Action Required”]This year’s annual Open Enrollment for 2021 benefits occurs from October 1 to November 30, 2020. If you wish to make any changes to your existing coverage, you must complete the enclosed Enrollment Form and return it to the District Benefits Office no later than Monday, November 30, 2020 (or November 5, 2020 if you wish to enroll in Kaiser Senior Advantage, see page 2). All changes will be effective January 1, 2021. Please review the following brief highlights in this letter to understand changes that may affect you in 2021.

If you do not wish to make any changes to your existing coverage for the upcoming year, no action is required on your part during this Open Enrollment period. However, if you wish to make changes to your existing coverage, or add/remove eligible dependents, you must complete the Benefits Open Enrollment form enclosed in this packet.  

[/togg]

[togg title=”All Plan Participants”]

COVID-19 Resources Available on JHMBHealthConnect.com

COVID-19 has presented us with arguably one of the most challenging periods of our lifetimes. Throughout it all, the Joint Health Management Board (JHMB) has continued to work diligently to maintain a cost-effective healthcare program for our employees, retirees, and their families – in spite of all that COVID-19 has thrown our way.

Since the pandemic began, the JHMB has provided special email alerts to our 6,500+ email subscribers, along with updates to the COVID-19 resources section online at www.JHMBHealthConnect.com/resources-tips. Most recently, we have shared information and resources regarding:

  • – COVID-19 Testing Sites and Resources in Fresno County
  • – Fresno County Pre-Diabetes & Diabetes Resources During COVID-19
  • – Caregiver Resources As Kids Return to School

In addition, the COVID-19 Resources section houses information from our key health and wellness partners to help you navigate both your healthcare and self-care during this challenging period. These services are here for you in your time of need, so be sure to check out the information available and contact the appropriate vendor when the need arises.

  • – PlushCare Telehealth: Contact a physician (by phone or video) without leaving your home – now with $0 copay during the COVID-19 national emergency period.
  • – Claremont EAP: Access online resources and support, and/or call and speak with representatives for free and confidential counseling, legal and financial consultations, and work/life referrals.
  • – Kaiser Permanente: Adult members can download 2 popular self-care apps – Calm and myStrength.
  • – Halcyon Behavioral Health: Inpatient and outpatient mental health and substance abuse services.

Stay Safe and Stay Informed

We appreciate your understanding as we continue to grapple with this historic pandemic and protect the health of the District and our community. We will continue to do our best to keep you informed, ensure the sustainability of the Plan, and minimize potential disruptions caused as a result of COVID-19. Visit the COVID-19 resources section online at www.JHMBHealthConnect.com/resources-tips.

[/togg]

[togg title=”Plan Option A and Option B (PPO) Updates”]

EnvisionRx is Now Elixir

On September 1, EnvisionRx officially changed its name to Elixir. Here’s what this change means for you:

  • – Continue using your current pharmacy benefits Member ID card.
  • – Access your benefits and services as you always have, even if you see both names on different materials.
  • – Get ready for some exciting updates to the Member Portal and mobile app, which are coming soon!

For more details on this change, visit https://visiblydifferent.envisionrx.com/blog/elixir-is-coming. If you have questions, contact the EnvisionRx Dedicated Line for Fresno Unified members at
(833) 640-2849.

The EnvisionRx/Elixir Customer Service Survey

We Need Your Feedback: Survey Open from October 1 – 30, 2020

One of the JHMB’s core missions is to manage and maintain the highest quality health benefits possible on behalf of active and retired employees. From time to time, we reach out to you (as plan participants) to help us understand and manage the service you receive from our benefits vendors.

Last year, we conducted a customer service survey for our prescription drug program and received valuable feedback from hundreds of our plan participants. You can review the follow up report from last year’s survey here: http://www.JHMBHealthConnect.com/9372.

Your feedback was essential in helping us identify and improve gaps in service. Now it’s time to assess our progress over this past year.

If you have used your EnvisionRx prescription drug benefits within the last year, we ask that you take a moment to answer 10 simple questions to help us assess and improve your customer experience. The survey asks brief questions regarding the following aspects of the prescription drug program:

  • – Overall Customer Service
  • – Retail Pharmacy
  • – Mail Order Pharmacy
  • – Specialty Pharmacy
  • – Website and Member Portal

This is your chance to provide feedback on the services you’ve received from EnvisionRx and its partners over the last year. You may also add written comments to provide more details regarding your experience(s).

Take the Survey & Enter to Win a $50 Gift Card

You may complete the survey either using the paper survey enclosed in this packet or online at: www.JHMBHealthConnect.com/rxsurvey. If you wish to enter into a raffle for a $50 Visa Gift Card, please provide your employee/retiree ID number when you complete the survey. It will help us identify you if you win the raffle. We look forward to your feedback and thank you for helping us manage the highest quality benefits for you and your family.

We look forward to your feedback and thank you for helping us manage the highest quality benefits for you and your family.  

[/togg]

[togg title=”Kaiser Permanente Senior Advantage Plan Option”]

Special Enrollment Ends November 5, 2020

As a reminder, from October 1 – November 5, 2020, Fresno Unified School District is offering a Special Enrollment for the Kaiser Permanente Senior Advantage plan. This employer-sponsored group coverage is available to Medicare-eligible retirees and spouses.

Participation in the Senior Advantage plan is not mandatory and is being offered in addition to the current PPO plans. However, if you wish to change to Senior Advantage effective January 1, 2021, you will have to make this change during the Special Enrollment period and return your election forms to the District’s Benefit Department by November 5, 2020. Any other changes you wish to make to your existing coverage can be made during the Annual Open Enrollment period from October 1 – November 30, 2020.

To learn more about the Kaiser Permanente Senior Advantage plan, please contact Kaiser Permanente at the information provided below. Enrollment forms are available for pick up at the District Benefits Office. You may also contact Kaiser Permanente to have an enrollment form mailed to you.

Information About the Senior Advantage (HMO) Plan

Kaiser Permanente
(855) 843-8390
(TTY 711 for the deaf, hard of hearing, or speech impaired)
Seven days a week, 8 a.m. to 8 p.m.

As a reminder, if you wish to change to Senior Advantage effective January 1, 2021, you will have to make this change by November 5, 2020. Any other changes you wish to make to your current health plan offerings can be made during the Annual Open Enrollment period from October 1 – November 30, 2020.

[/togg]

[togg title=”Rate Contribution Changes for 2021″]The Joint Health Management Board (JHMB) continuously strives to manage and maintain the highest quality and most cost-effective benefits for our active employees and retirees. Medical, dental, and vision premiums depend on the plan option(s) you select. Please review the rates included on the enclosed Benefits Enrollment form for more details.

Thanks to the improved program usage by our employees and retirees, and the efforts of the Fresno Unified School District and the JHMB, these rate changes are not as large as the healthcare industry average increases in recent years. However, it will require continued efforts by all of us to manage our overall healthcare expenses to help minimize increases in the coming years.

[/togg]

[togg title=”Plan Option C (Kaiser Permanente)”]You can only enroll in Kaiser Permanente Health Plan if you live or work in a zip code on the attached Kaiser zip code range list. To enroll in Kaiser, you must complete the Kaiser enrollment form along with the FUSD benefits enrollment form. For more information about Kaiser Permanente plan benefits and service areas, review the supplemental information enclosed in this Open Enrollment packet.

[/togg]

[togg title=”Stay Connected – Sign Up for Monthly Updates & Benefit Alerts”]Every month, the JHMB provides our plan participants with healthful information to help them along their path to better health. This includes benefits alerts and key reminders, upcoming events, healthful news and local activities, wellness offerings, healthy recipes, and even a new Healthy Aging Corner for our age 55+ plan participants. If you are not currently receiving these healthful email updates, visit www.JHMBHealthConnect.com/staying-connected to review past announcements and to sign up for our email list.

[/togg]

[togg title=”Dependents Eligibility Reminder”]

Notify the District When Your Ex-Spouses & Dependents are No Longer Eligible for Benefits

As a reminder, you are required to notify the District within 60 days following the date on which any dependent no longer meets the eligibility criteria for dependent coverage (including divorce or legal separation; and the termination, dissolution or nullification of Domestic Partnership). Failure to notify the District within the adequate time period may cause you to be responsible for the reimbursement of any claims paid for ineligible dependents.

[/togg]

[togg title=”Telehealth Services at Your Fingertips – No Co-Pay During COVID-19 Pandemic*”]

The Joint Health Management Board (JHMB), in partnership with TeamCare, provides you with access to PlushCare’s network of telehealth physicians available to you and your covered family members. For both PPO Plans, Plan Options A and B, the Plan covers all of the cost for each appointment. No deductible applies when using PlushCare! As a reminder, Plan Option A has a $250 deductible and $15 copayment, and Plan Option B has a $1,000 deductible and $25 copayment.

PlushCare’s physician network consists of board certified physicians in internal medicine, family medicine, emergency medicine, or pediatrics that trained at a top-25 medical school in the United States. Their physicians provide the same level of care as in-person visits, including electronic prescriptions to your pharmacy in seconds. Fresno Unified plan participants have most commonly used PlushCare for respiratory conditions, urinary conditions and skin conditions. In fact, over one-third of the appointments were scheduled for respiratory conditions. Most plan participants using PlushCare call the service 3-5 times per year.

* The PlushCare $0 copay was effective March 18, 2020, and shall continue until the COVID-19 national emergency is declared over.

Go online at any time to schedule an appointment! You call or video chat with a physician and he or she will diagnose you or your family member’s health issue. Your PlushCare physician will then provide recommended treatments based on your symptoms. If appropriate, the physician can write a prescription and have it sent immediately to the pharmacy of your choice.

How to Use PlushCare

  1. – Call (866) 460-6205, go online at www.plushcare.com, or download the PlushCare app. First time users will need to register. You will need to provide your name, date of birth, email address, and create a password. It only takes a couple of minutes. Register today!
  2. – Select “Book Appointment” and choose which physician you wish to talk with at a time that is convenient for you.
  3. – The doctor will call or video chat with you at your scheduled appointment time.
  4. – If necessary, prescriptions will be sent to your pharmacy in seconds!

If you’re not one of the several hundreds of plan participants that have begun to use this service this year, we recommend it as your first option the next time you need access to a physician. For more information, visit www.JHMBHealthConnect.com/telehealth-at-your-fingertips.

[/togg]

[togg title=”WellPATH Program Update”]

WellPATH, the Employee Wellness Program for Fresno Unified School District, is pleased to offer a variety of wellness services throughout the year. Below are some highlights of the WellPATH program. If you have not signed up to receive the monthly newsletter informing you of current program offerings, benefit updates, and educational material for your health, please reach out to WellPATH@delapro.com or visit our Staying Connected page to sign up (www.JHMBHealthConnect.com/staying-connected.)

Become a WellPATH Champion – Active Employees and Retirees Welcome!

WellPATH is always looking for WellPATH Champions who are willing and able to spread the WellPATH message, and encourage their peers to take an active role in leading a healthy lifestyle. If you are interested in becoming a WellPATH Champion, visit www.JHMBHealthConnect.com/wellpath/wellpath-champions or please contact WellPATH by email at WellPATH@delapro.com.

WellPATH Challenges

WellPATH offers friendly and competitive challenges throughout the year. WellPATH challenges are designed to encourage you to meet recommendations for physical fitness and nutritional health. There are weekly and overall prizes, and friendly competition with your peers. WellPATH challenges are designed to be inclusive of all skill levels, motivating, and encouraging. Keep your eyes out for announcements of these challenges throughout the year.

For more information about these programs and other WellPATH offerings, visit www.JHMBHealthConnect.com/wellpath.

Additional Services Offered by WellPATH

The suite of free services includes:

  • – Annual preventative wellness screenings ($25 gift card for participating)
  • – Group fitness classes*
  • – Annual flu shot clinics
  • – Wellness challenges*
  • – Monthly health education*
  • – Wellness coaching*
  • – Personal training * (member must qualify)
  • – Behavior modification * (member must qualify)

*These services are provided through a virtual platform during the COVID-19 Pandemic

For more information about these programs and other WellPATH offerings, visit www.JHMBHealthConnect.com/wellpath.[/togg]

[togg title=”Take a Healthy Minute and Schedule a Preventive Cancer Screening”] Under the District’s health plan, all participants are eligible for FREE preventive cancer screenings. Take a Healthy Minute and schedule an appointment with your physician today to get up-to-date with your routine cancer screenings.[/togg]

[togg title=”Employee Assistance Program (EAP)”] The Employee Assistance Program, offered through Claremont EAP, helps you resolve personal issues before they become more serious and difficult to manage. Claremont will support you quickly and confidentially in dealing with the stresses and challenges of everyday life. You and your family members can receive the following professional, confidential counseling services:

  • – 5 Free Counseling Visits per Incident
  • – Legal Consultations
  • – Financial Services
  • – Child/Elder Care Referrals
  • – School/College Assistance
  • – Adoption Assistance
  • – Pet Care Referrals
  • – Daily Living/Convenience Referrals
  • – Wellness Referrals

The EAP also provides access to resources that can help you address virtually any personal concern or question. Visit www.ClaremontEAP.com for more information or call Claremont EAP at (800) 834-3773 to discuss your question or issue with an experienced counselor who will refer you to the resources most appropriate for your needs.[/togg]

[togg title=”Review/Download the Materials”] To assist you in making the best decisions for you and your family, the following information is available for your review: [checklist]

[/checklist] For additional plan information and/or provider contact information view the following pages: www.JHMBHealthConnect.com/your-benefits www.JHMBHealthConnect.com/using-plans[/togg]

[togg title=”Submitting Your Open Enrollment Materials in the COVID-19 Era”]Given the current situation with COVID-19, our Open Enrollment application process has been modified to limit the size of group gatherings and practice social distancing. We are following the guidance of CDC and local public health officials and are taking every precaution to protect our plan participants, their families, and the entire Fresno community. Please choose one of the following methods to submit your materials by Nov 30, 2020:

  1. Mail – Open Enrollment forms and supporting documents* to:

                Fresno Unified School District
                Attn: Benefits Department
                2309 Tulare St.
                Fresno, CA 93721

  1. Email – Open Enrollment forms and supporting documents to: FUSDBenefits@fresnounified.org
  2. Fax – Open Enrollment forms and supporting documents to: 559-457-3760
  3. Make an Appointment – As a last resort, you may call 559-457-3520 to make an appointment to physically bring forms into the Benefits Department. However, please note that the availability of staff will be limited due to the current situation.

* Do not mail original birth or marriage certificates to the District.

[/togg]

[/tab] [/tabs]

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Become a WellPATH Champion


If your site is not listed, please include your location below.

I agree to represent my school/department as the Wellness Champion for this school year. I understand the outlined roles and responsibilities of the Wellness Champion and will assist in the implementation and coordination of wellness initiatives. I agree to not only support the WellPATH Employee Wellness program by my participation, but to collaborate with my local management team to support the initiatives as well. I understand that the success of the program hinges on all employees being empowered to make informed decisions that positively impact their health. The WellPATH program can count on me to be a messenger and motivator and to help gather information from my co-workers, principals and managers to help foster a culture of wellness within Fresno Unified School District that supports good health.

I also understand that I may be asked to assist in scheduling rooms and programs (including wellness screenings, seasonal influenza program) at my location, displaying WellPATH brochures, posters, etc. in appropriate areas, and encouraging my co-workers to be involved in the WellPATH Employee Wellness program.

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Request a Service


If your site is not listed, please include your location below.

All WellPATH-sponsored activities are open to active employees, spouses, domestic partners, dependent children age 18+, early retirees, and Medicare-eligible retirees covered under the District’s health benefit plan.
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