Retiree Open Enrollment Resource Center
​​Welcome to your open enrollment site for this year's benefit transition. Below you will find links to the four most important open enrollment documents: a summary of primary benefits (medical, dental, and vision), links for insurance premiums, the open enrollment schedule, and the insurance election enrollment form. These resources are provided at the top for easy access.
This page is your one-stop source for all documents, links, forms, videos, and information you'll need, as well as an FAQ for a smooth transition.
​
​
Open Enrollment Dates:
Benefit elections begin on November 7 and close on November 30
Overview of New Benefits​ - Under 65​
Medical Plan Options
Learn more about our three medical plan options—a High Deductible Health Plan (HDHP) PPO with an HSA, a traditional PPO, and an HMO.​
-
Learn more about the Medical Plan Options
-
Provider Search: Use this link to search PPO and HMO networks​
-
HMO Additional Information
-
Summary of Benefits Coverage (SBC) - Coming Mid-November 2025
​
Spending Accounts
​
​
Dental Plan
Explore our flexible dental plan through Delta Dental. Current dentists can remain your provider.
-
Delta Dental - Going PPO Saves You Money (vs Premier or Out-of-Network)
-
Summary of Benefits Coverage (SBC) - Coming Mid-November 2025
​
Vision Plan
Our new VSP Vision plan makes eye care simpler and more affordable.
​​​​
​
Overview of New Benefits​ - Over 65​
Benistar Only
For those who elect Benistar Medicare supplemental coverage only, there is nothing to complete as there are no changes to Benistar this year. Please review the 2025 Insurance Premiums for the annual rate increases.
Dental Plan
Explore our flexible dental plan through Delta Dental. Current dentists can remain your provider.
-
Summary of Benefits Coverage (SBC) - Coming Mid-November 2025
​
Vision Plan
Our new VSP Vision plan makes eye care simpler and more affordable.
​
Retiree Information Session
Thank you to all those who attended the info sessions. Use the links below if you weren't able to make it, or for a refresher. Any other questions please contact hr@cityoflakeforest.com.
​
Retiree Info Session Presentation Slides
Retiree Info Session Recording
​​
AFLAC Drop-In Sessions
Aflac representatives will be available for drop-in sessions to answer questions and provide support:
​
-
Tuesday, November 19 from 7:00 AM to 4:00 PM at the PSB Classroom
-
Wednesday, November 20 from 7:00 AM to 12:00 PM at the PSB Classroom
-
Wednesday, November 20 from 12:00 PM to 4:00 PM at the MS Training Room
-
Thursday, November 21 from 8:00 AM to 12:00 PM at the MS Training Room​
​​
​
Mission Square 1-on-1 Appointments
Mission Square will be available for 1-on-1 appointments to assist with retirement planning and related questions:
-
Thursday, November 14 - 7:00 AM to 4:00 PM at the MS Training Room
-
Friday, November 15 - All Day at the PSB Classroom​
​