| Plan options: |
Blue Advantage HMO
(in-network benefits only)
|
Blue Choice Narrow Network PPO |
Blue Choice Options
High Deductible PPO
Plan A
|
Blue Choice Options
High Deductible PPO
Plan B
|
Blue Choice Options
PPO
|
||||||
| Network | Blue Advantage HMO [ADV] | Blue Choice Select PPO [BCS] |
Blue Choice Options
(Tier 1)
|
PPO
(Tier 2)
|
Out-of-Network (Tier 3) |
Blue Choice Options (Tier 1) |
PPO (Tier 2) |
Out-of-Network (Tier 3) |
Blue Choice Options
(Tier 1)
|
PPO
(Tier 2)
|
Out-of-Network (Tier 3) |
|
Deductible
Individual (In-Network / Out-of-Network) Family (In-Network / Out-of-Network) |
$1,000
$2,000
|
$1,000 / $3,000
$3,000 / $9,000 |
$3,400
$6,800 |
$4,000
$8,000 |
$5,000
$10,000 |
$4,200
$8,400 |
$4,800
$8,600 |
$8,000
$16,000 |
$1,000
$3,000 |
$2,000
$6,000 |
$3,000
$9,000 |
| Coinsurance In-Network / Out-of-Network |
90% | 80% / 50% | 90% | 85% | 70% | 85% | 80% | 60% | 80% | 60% | 50% |
|
Out-of-Pocket Max
Individual (In-Network / Out-of-Network) Family (In-Network / Out-of-Network) |
$2,000
$4,000
Max in Copays |
$2,000 / $9,000
$6,000 / $27,000 Includes Deductible |
$4,000
$8,000 |
$5,000
$10,000 |
$10,000
$20,000 |
$6,350
$12,700 |
$6,800
$10,000 |
$16,000
$32,000 |
$2,000
$6,000 |
$3,000
$9,000 |
$9,000
$27,000 |
| Physician Services (In- Network) Well Adult/Child Physician Office / Specialist Visit X-Rays / Lab Diagnostics Telemedicine |
100% $20 / $40 copay 100% N/A |
100% $20 copay Deductible then 50% $20 / $40 copay |
100% Deductible then 90% Deductible then 90% Deductible then 90% $48 Copay |
100% Deductible then 85% Deductible then 85% Deductible then 85% $48 Copay |
Deductible then 70% Deductible then 70% Deductible then 70% Deductible then 70% $48 Copay |
100% Deductible then 85% Deductible then 85% Deductible then 85% $48 Copay |
100% Deductible then 80% Deductible then 80% Deductible then 80% $48 Copay |
Deductible then 60% Deductible then 60% Deductible then 60% Deductible then 60% $48 Copay |
100% $20 copay $40 copay Deductible then 80% OV/SP Copay |
100% $30 copay $50 copay Deductible then 60% OV/SP Copay |
Deductible then 50% Deductible then 50% Deductible then 50% Deductible then 50% OV/SP Copay |
| Emergency Room | $250 copay | $250 copay | Deductible then 90% | Deductible then 85% | Deductible then 70% | Deductible then 85% | Deductible then 80% | Deductible then 60% | $250 copay | ||
| Urgent Care (In-Network) |
$20 copay | Deductible then 80% | Deductible then 90% | Deductible then 85% | Deductible then 70% | Deductible then 85% | Deductible then 80% | Deductible then 60% | Deductible then 80% | Deductible then 50% | |
|
Prescription Drugs (In-
Network) Retail Generic / Preferred Brand / Non- Preferred Brand / Specialty 34 Day Supply Prescription Out-of-Pocket Max Individual / Family |
Copays:
$10 / $40 / $60 / $60 $2,500 / $5,000 |
Copays:
$10 / $40 / $60 / $60 $2,500 / $7,500 |
Deductible then 90% | Deductible then 70% | Deductible then 90% | Deductible then 70% |
Copays:
$10 / $40 / $60 / $60 $2,500 / $7,500
|
In network copay + 25%
$2,500 / $7,500
|
|||
2026 Employee Benefits
At Noble, we recognize the important role that benefits play for you and your family. Our goal is always to provide top of the industry benefits at affordable costs, so you and your loved ones can focus on what matters most – your health and well-being.
Our benefit hub includes detailed information on Noble's comprehensive insurance, wellness and financial benefits and employee support programs to help you make informed decisions about your benefits. You'll find plan documents, provider search directories, health and wellness resources and more.
For more information or questions on your benefits, contact a member of our Human Resources Team.
Phone: 312-521-5287 | Email: humanresources@nobleschools.org
Insurance Benefits
Medical Insurance
Carrier: BlueCross BlueShield
Website: www.bcbsil.com
Phone: 800-828-3116 (HDHP and PPO), 800-892-2803 (HMO)
All benefits eligible employees can choose from five medical plan options depending on your needs and budget.
Health Maintenance Organization (HMO)
This plan gives you access to certain doctors and hospitals, but restricts services to in-network providers only. Your care is managed by a Primary Care Physician (PCP) chosen at the time of enrollment. If you require a specialist, outpatient procedure or hospitalization, your registered PCP must refer you. There are no out-of-network benefits.
Preferred Provider Organizations (PPOs)
A PPO plan offers the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral. You have a deductible to meet and once the deductible is met, coinsurance (or the cost share between you and the carrier) kicks in. The types of medical services that accumulate towards your deductible are inpatient hospital stays, outpatient surgeries, labs (blood work) and x-rays (MRIs, PET scans, CT scans, etc.). If you go to the doctor, see a specialist, utilize the ER or take a prescription drug, you’ll pay a copay for those specific services. Copays do not accumulate towards your deductible but they do accumulate towards your overall out-of-pocket maximum.
Noble offers two PPO Plans:
Blue Choice Options PPO
This is a PPO plan that offers a unique tiered benefit to help you achieve improved results and cost savings. The provider you choose will determine how you are charged/billed for benefits. Members’ medical costs are reduced whenever they use a Tier 1 provider.
- Tier 1 - Blue Choice Options (BCO) Network: A smaller contracted network of doctors and hospitals that bring you the greatest value from your health care benefits. These providers and medical specialists meet national standard benchmarks for quality care and cost savings.
- Tier 2 - PPO Network: A large national network of contracted doctors and hospitals to utilize, but you’ll pay a bit more for all medical care you seek coverage for, in comparison to Tier 1.
- Tier 3 - Out-of-Network: Non-contracted doctors and hospitals that you can seek care from, but you’ll pay a lot more when utilizing these providers since they do not have a network contract.
Blue Choice Narrow Network PPO
Provides access to a smaller network of doctors and hospitals in exchange for lower premiums.
High Deductible Health Plans (HDHPs)
with Health Savings Accounts (HSA)
Our two HDHPs (Plan A and Plan B) offer a unique tiered benefit to help you achieve improved results and cost savings. The provider you choose will determine how you are charged/billed for benefits. Members’ medical costs are reduced whenever they use a Tier 1 provider.
- Tier 1 - Blue Choice Options (BCO) Network
A smaller contracted network of doctors and hospitals that bring you the greatest value from your health care benefits. These providers and medical specialists meet national standard benchmarks for quality care and cost savings. - Tier 2 - PPO Network
A large national network of contracted doctors and hospitals to utilize, but you’ll pay a bit more for all medical care you seek coverage for, in comparison to Tier 1. - Tier 3 - Out-of-Network
Non-contracted doctors and hospitals that you can seek care from, but you’ll pay a lot more when utilizing these providers since they do not have a network contract.
These medical plans are comprised of two components: (1) a High Deductible Health Plan (HDHP) and (2) a tax-exempt savings account called a Health Savings Account (HSA).
The HDHP is a high deductible PPO plan that provides health care benefits after the deductible has been met. All medical services, with the exception of preventive care, are paid for by you at 100%, less carrier discounts, prior to meeting your entire annual deductible. This includes routine office visits, procedures, lab work, prescription drugs, etc.
Health Savings Accounts (HSA)
Carrier: Health Equity
Website: www.healthequity.com
Phone: 877-924-3967
The HSA is a bank account paired with your HDHP allowing you to set aside money on a tax-free basis to pay your out-of-pocket qualified medical, dental, and vision expenses throughout the year or in the future. You own the money in your HSA account and it is yours to keep – even when you change plans or retire. The funds roll over from year to year to be used when you really need them.
At the beginning of each calendar year Noble will contribute into your HSA to help you pay for qualified medical expenses that may come up. If you’re enrolled in the Blue Choice Options High Deductible PPO Plan A as employee only, you’ll receive $850 and employee plus one or more dependents will receive $1,450. If you’re enrolled in the Blue Choice Options High Deductible PPO Plan B as employee only, you’ll receive $1,700 and employee plus one or more dependents will receive $2,900.
In order to contribute to a HSA, you cannot be:
- Enrolled in a full medical FSA - your own or your spouse's (regardless of spouse's medical election)
- Enrolled in a non-HDHP health plan
- Enrolled in Medicare
- Claimed as a dependent on someone else's tax return
Plan Comparison
| Semi-Monthly Contributions |
You Pay
|
You Pay |
You Pay
|
You Pay
|
You Pay
|
||||||
| Employee Only | $34.10 | $67.00 | $43.00 | $21.00 | $113.30 | ||||||
|
Employee & Spouse
|
$71.50 | $143.00 | $98.00 | $49.00 | $239.80 | ||||||
| Employee & Child(ren) | $80.30 | $158.00 | $109.00 | $54.00 | $264.00 | ||||||
|
Family
|
$119.90 | $235.00 | $163.00 | $81.00 | $389.40 | ||||||
|
2026 HSA Contributions
|
|||||||||||
|
Tax-free Contribution
|
Employee Only | Family | Employee Only | Family | |||||||
|
Noble
|
N/A | N/A | $850 |
$1,450 | $1,700 |
$2,900 | N/A | ||||
|
Employee
|
N/A | N/A | $3,550 |
$7,300 | $2,700 |
$5,850 | N/A | ||||
|
IRS Max HSA Contribution
|
$4,400 | $8,750 | $4,400 | $8,750 | |||||||
|
Catch-up Contribution (age 55 and older)
|
$1,000 |
||||||||||
Flexible Spending Accounts (FSA)
Carrier: Health Equity
Website: www.healthequity.com
Phone: 877-924-3967
Flexible Spending Accounts (FSA) allow you to save money on a pre-tax basis to pay for qualified medical expenses and/or dependent care expenses throughout the year. The money you put into your FSA is done so on a pre-tax basis. This means you are lowering your taxable income and also not paying taxes when the money is used for qualified expenses.
Health Care FSA
You may contribute up to $1,000 per plan year to pay for qualified medical, dental and vision expenses for yourself and eligible family members. Funds in this account can cover all eligible expenses on your tax dependents even if they are not enrolled under your health care plan. Eligible reimbursable expenses include medical and dental plan deductibles and copays (if applicable), orthodontia expenses not covered by your dental plan, prescription drugs, prescription eyeglasses and contact lenses, Lasik eye surgery and much more.
Limited Purpose FSA
If you enroll in one of the High Deductible PPO/HSA plans and open a health savings account, you cannot enroll in the Health Care FSA, since you’re already putting tax-free dollars aside to pay for qualified expenses. You may, however, enroll in the Limited Purpose FSA, which allows you to pay for eligible out-of-pocket dental and vision expenses. You can put up to $1,000 into your Limited Purpose FSA for 2026.
Health Care FSAs and Limited Purpose FSAs do have a use-it-or-lose-it provision, so be conservative when electing how much to contribute. Employees have until March 31 of the following year to submit any claims incurred in the current year.
Noble allows employees to carry over up to $660 following the conclusion of the 2025 runout period, ending 3/31/2026. For the 2026 plan year, we will allow $680 to carry over to 2027, following the conclusion of the 2026 runout period ending 3/31/2027.
Making the Most of Noble's Medical Benefits
BlueAccess for Members
Employees have access to a secure member website that gives you immediate access to health care benefit information. Here you can check claim status, find in-network providers, use the hospital comparison tool, and much more. You can also access your account from your mobile device. Opt in to receive texts for Rx refill reminders, diet and fitness tips, claim updates and more. Download the app for immediate access or visit www.bcbsil.com.
MDLIVE Virtual Visits (PPO/HSA Members Only)
MDLIVE’s telehealth program provides enrolled members with access to non-emergency medical care without even leaving the couch. Visit a doctor virtually 24 hours a day, 7 days a week for a variety of ailments and symptoms. Log on to MDLIVE.com/bcbsil or call 888.676.4204 today to learn more.
24/7 Nurseline (PPO Members Only)
Access general health information and guidance for specific conditions from fevers to bee stings from a registered nurse at 800-299-0274.
Maternity Care Program
Receive personalized support provided by Obstetrical nurses at 888-421-7781.
Mail Order Prescriptions
Members can access benefit information, look up the cost of drugs, sign up for mail order prescriptions and more through the Express Scripts member portal at express-scripts.com/rx or by calling 833-715-0942.
Blue365 Discounts
Employees can take advantage of special discount programs through Blue365. Log into BlueAccess for Members at www.bcbsil.com, go to the My Coverage tab and click on Discounts found under Member Advantages.
Dental Insurance
Carrier: BlueCross BlueShield
Website: www.bcbsil.com
Phone: 800-367-6401
Preferred Provider Organization (PPO)
This dental plan allows the flexibility to select any dentist in-network or out-of-network, but if you stay in network, you’ll pay less. Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery. The type of service or procedure received determines the amount the plan will cover for each visit. Each type of service fits into a class of services according to complexity and cost.
Noble offers two dental plan options. The Basic Plan has higher deductibles and lower annual plan maximums for a lower premium. The Plus Plan offers lower deductibles, higher annual plan maximums and includes orthodontia coverage.
Plan Comparison
| Choice of plan options: |
Basic Dental
In-Network / Out-of-Network
|
Dental Plus
In-Network / Out-of-Network
|
||||
| Network Name |
BlueCare Dental PPO
|
BlueCare Dental PPO
|
||||
| Individual Deductible (Family = 3X) |
$50 / $50
|
$0 / $25
|
||||
| Office Visit Copay |
None
|
None
|
||||
| Preventive Coinsurance |
100% / 100%
|
100% / 100%
|
||||
| Basic Coinsurance |
90% / 80%
|
100% / 80%
|
||||
| Major Coinsurance |
60% / 50%
|
60% / 50%
|
||||
| Annual Plan Maximum |
$1,750 / $1,750
|
$2,500 / $2,500
|
||||
| Orthodontia Coinsurance |
Not Covered
|
50% / 50%
|
||||
| Orthodontia Eligibility |
Not Covered
|
Adult & Child
|
||||
| Orthodontia Lifetime Maximum* |
Not Covered
|
$1,500 / $1,500
|
||||
| *Invisalign is included, however limitations apply. | ||||||
| Semi-Monthly Contributions |
Basic
You Pay
|
Plus
You Pay
|
||||
| Employee Only | $1.35 | $5.47 | ||||
|
Employee & Spouse
|
$2.73 | $10.25 | ||||
| Employee & Child(ren) | $2.73 | $13.67 | ||||
|
Family
|
$4.10 | $17.10 | ||||
Vision Insurance
Carrier: BCBS Dearborn
Network: EyeMed Insight
Website: www.bcbsil.com/ancillary
Phone: 800-367-6401
Vision insurance helps offset the cost of routine eye exams and also helps pay for vision correction eye wear like eyeglasses and contacts that may be prescribed by an eye-care provider. You’re eligible for an eye exam and lenses or contact lenses every 12 months and frames every 24 months. Out-of-network providers will only offer you an allowance towards your vision services.
Participating eye-care providers include many independent optical shops and national chains.
BCBS Vision Savings:
- 40% off complete pair of prescription eyeglasses
- 20% off non-prescription sunglasses
- 15% off conventional contacts
-
20% off any item not covered by the plan. These discounts are not insured benefits and are for in-network providers only.
| Vision Plan Details |
Frequency
|
In-Network
|
Out-of-Network
|
||||
| Network Name |
EyeMed Insight Network |
||||||
| Eye Exam |
Every 12 months
|
$10 copayment
|
$50 max allowance
|
||||
|
Lenses
|
Every 12 months*
|
$25 copayment
|
Allowance varies
|
||||
| Frames |
Every 24 months*
|
$130 allowance + 20% off remaining balance
|
$70 max allowance
|
||||
| Elective Contacts |
Every 12 months
|
$130 allowance
|
$105 max allowance
|
||||
| Semi-Monthly Contributions |
You Pay |
||||||
| Employee Only | $2.00 | ||||||
|
Employee & Spouse
|
$3.50 | ||||||
| Employee & Child(ren) | $3.50 | ||||||
|
Family
|
$5.00 | ||||||
Life and AD&D Insurance
Carrier: BlueCross BlueShield
Website: www.bcbsil.com/ancillary
Phone: 800-367-6401
Basic
Life insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit of 2x your salary up to $500,000 if you pass away from a covered accident or illness. In addition, accidental death and dismemberment (AD&D) paired with life insurance provides a benefit of 2x your salary up to $500,000 to your beneficiary if you pass on or become dismembered due to a specifically covered accident.
The cost of the benefit is 100% paid for by Noble.
Supplemental
Supplemental term life and AD&D insurance allows you to purchase additional coverage for yourself and your dependents. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will Increase as you age.
An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 100% of what the employee takes out on themselves.
The cost of the benefit is 100% paid for by you.
Disability Insurance
Carrier: BlueCross BlueShield
Website: www.bcbsil.com/ancillary
Phone: 800-367-6401
This coverage helps you maintain your lifestyle and pay day-to-day bills while you are unable to work. The cost of short-term and long-term disability insurance is 100% paid for by Noble.
Short-Term Disability
If you become ill or suffer an injury that prevents you from working, short-term disability insurance replaces a portion of your income for a defined time. Beginning on the 11th day of continuous injury or illness, eligible employees will receive 60% of their weekly earnings, for a maximum benefit of $3,000 per week, for up to 12 weeks.
Long-Term Disability
Long-term disability insurance is a type of income protection that is designed to cover serious injuries and illnesses that keep you out of work for three months or longer. Beginning on the 91st day of continuous injury or illness, eligible employees will receive 66.67% of their monthly earnings, for a maximum benefit of $15,000 per month. Benefits are paid as long as you remain disabled and under a physician’s care or until you reach Social Security Normal Retirement Age.
Wellness Benefits
No-Cost Preventive Care
For those members that are on the BCO, BCS and HSA plans, they have the following Wellness programs...
- Well onTarget offers a variety of wellness services including wellness coaching, health assessment, fitness and nutrition tracking, and more.
- Wondr weight management is a program that teaches you the skills to lose weight, increase your energy, and improve your sleep through content tailored to you and a supportive community.
- Fitness Program gives you access to a nationwide network of fitness locations. Choose a location close to home, near work, and visit locations while traveling.
- Teladoc (Livongo) gives you tools and support to track your blood sugar levels and blood pressure to make healthier lifestyle habits.
- Hinge Health is an app you can get expert clinical care that’s personalized to your specific needs across the entire continuum of MSK (musculoskeletal) care - from sprains and chronic pain to surgical rehab.
- Maven Maternity
Maven is your virtual clinic that lets you meet and message with 35+ provider types 24/7 (yep, even at 2am).
- Learn to Live helps you and your covered family members can get support for conditions such as depression, anxiety, substance use disorder, eating disorders and pediatric mental illness.
Those on the HMO plan have..
- Well onTarget offers a variety of wellness services including wellness coaching, health assessment, fitness and nutrition tracking, and more.
- Fitness Program gives you access to a nationwide network of fitness locations. Choose a location close to home, near work, and visit locations while traveling.
Discounted Fitness Memberships
Access to On-Campus Fitness Facilities
All staff have access to on-campus fitness facilities during designated weekday and weekend times. Check with your campus athletic department or principal for more information.
Divvy Bike
Employees can save over 50% with a $71.95 annual membership to Divvy Bike. For more information, contact humanresources@nobleschools.org.
Blue Cross Blue Shield Fitness Program
BCBS members and your eligible dependents (age 16 and older) have exclusive access to a nationwide network of fitness locations. You can choose from a variety of gyms, fitness classes and on-demand options that fit your budget and preferences. The month-to-month membership is $25 per month per member with a one-time enrollment fee of $25 per member.
The mobile app allows members to access location searches, studio class registrations, location check-ins and activity history.
To sign up for the BlueCross BlueShield Fitness Program:
- Go to bcbsil.com and log in to Blue Access for Members.
- Under “Quick Links” choose “Fitness Program.” On this page you can enroll, search for nearby fitness locations and learn more about the program.
- Click “Enroll Now,” then search and select the fitness location that is best for you.
- Verify your personal information and method of payment. Print, download, or request your Fitness Program ID card.
- Visit a fitness location today!
Well onTarget Wellness Portal
Carrier: BlueCross BlueShield
Website: www.wellontarget.com
Phone: 877-806-9380
BlueCross BlueShield members have access to a user-friendly online portal that helps you set and reach your wellness goals. When you log in to the portal, you will find a variety of health and wellness resources including a Health Assessment (HA), self-management programs, health trackers and trusted news and health education content. Your dashboard shows all of your Well onTarget programs and you can see where you are today compared with where you were when you started. With Well onTarget, you can also earn Blue Points for making healthy choices and redeem your points in the online shopping mall for a variety of merchandise. The mobile app can help you work on your wellness goals - anytime and anywhere.
Mental Health Resources
Employee Assistance Program
Carrier: AllOne Health
Website: AllOneHealth.com/portal (code: benoble)
Phone: 800-451-1834
Noble’s Employee Assistance Program (EAP) offers caring and professional assistance for a range of concerns including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse. The EAP offers up to 3 face-to-face counseling sessions per issue, per year, at no cost for you and your eligible dependents.
Costs will vary based on additional services you use.
NEW- AllOne Health App
Download the app from the Apple or Google Play stores.
Key Features of the App:
- Virtual Counseling Made Easy
Self-schedule virtual counseling sessions directly through the app. - Izzy, Your AI Mental Health Navigator
Receive guidance and personalized support in real time. - On-Demand Self-Help Resources
Explore self-guided therapy (iCBT), articles, videos, assessments,
and tools. - Real Human Support
24/7 live assistance is always just a tap away when you want to
speak to someone.
Meditation and Mindfulness
Carrier: Headspace
Website: https://work.headspace.com/nobleschools/member-enroll
Email: teamsupport@headspace.com
Mindfulness has been shown to help people stress less, increase focus, and sleep more soundly. Meditation helps you to be more mindful and headspace is your personal guide, with hundreds of meditations, and exercises for sleep, focus, and movement. Noble has partnered with Headspace to provide all interested employees plus five guests with a free premium membership at no cost to you.
Substance Abuse and Mental Health Support
Carrier: Care Solace
Website: www.caresolace.com/nobleschools
Phone: 888-515-0595
Care Solace is available at no cost to Employees, Students and your Families. The Care Companion team offers easy access to personalized care to fit your needs. If you are looking for help with mental health or substance use, Care Solace will quickly and confidentially find available providers matched to your needs.
Care Solace is available at no cost to you. Matched providers will charge separately and costs will vary based on individual benefits/services.
Medical Plan Services
Carrier: BlueCross BlueShield
Website: www.bcbsil.com
Phone: 800-828-3116 (HDHP and PPO), 800-892-2803 (HMO)
Employees enrolled in Noble’s medical plan have access to counseling, marriage and family support, substance abuse support, psychiatry, psychology and social workers to assist with a variety of challenges.
Members of the HDHP or PPO plans have the ability to select any in-network providers. In-person and/or virtual appointments may be available depending on the provider. The BCBS Provider Finder tool can assist you in selecting the provider that is right for you.
Members of the HMO plan must seek care through your primary care physician chosen at the time of enrollment. If you require a specialist (including mental health providers), outpatient procedure or hospitalization, your registered PCP must refer you.
Costs will vary based on the types of services you use.
Virtual Visits
Carrier: MDLIVE
Website: ww.MDLIVE.com/bcbsil
Phone: 888-676-4204
Members of the HDHP or PPO plans have access to virtual visits through MDLIVE. Licensed behavioral health therapists are available to assist with anxiety, depression, stress management and more.
You can access MDLIVE by visiting MDLIVE.com/bcbsil, calling 888-676-4204, texting “BCBSIL” to 635-483, or downloading the BCBS app (make sure to include your BCBS member ID to receive in-network charges).
Costs will vary based on the types of services you use.
Financial Benefits
Retirement Planning
401(k) Plan
Carrier: Fidelity NetBenefits
Website: www.netbenefits.com
Phone: 800-835-5097
The company retirement plan offers several benefits that can help you take steps toward a more secure financial future. Noble makes it easy for you to start saving for your retirement by automatically enrolling you in the plan unless you actively opt-out.
Benefits of the plan include:
- Effective 1/1/2025: The company will match your contributions up to 5% of your salary (Note: employees are eligible after 1 year of service and pension participants can participate but are not eligible for the match)
- Rolling entry is available 24/7 on the Fidelity website
- Contributions and earnings grow tax-deferred within the plan until you withdraw them
- You can choose how much to contribute and where to invest your contributions
- The plan is offered through Fidelity and includes a wide variety of investment options and the flexibility to make changes
- There is an annual maximum contribution of $23,500 for the 2025 plan year
Chicago Teachers' Pension Fund
Salaried employees with an Illinois Educators’ License must participate in the Chicago Teachers' Pension Fund. Please notify credentials@nobleschools.org of your licensure as soon as possible.
- The pension requires a total contribution of 9% of salary (employee contributes 2% and Noble contributes 7%)
- There is no Social Security tax paid while participating
- Noble also pays another 10% of salary for administrative fees related to the pension (for a total contribution of over 18% of salary)
Dependent Care Flexible Spending Account (DCFSA)
Carrier: Health Equity
Website: www.healthequity.com
Phone: 877-924-3967
This is not for medical expenses.
DCFSA is used to pay for eligible dependent care services, such as preschool, summer day camp, before or after school programs, and child or adult daycare.
You may contribute up to $7,500 per plan year to pay for qualified eligible dependent care expenses. Funds in this account are saved on a tax-free basis.
To be eligible for a Dependent Care Flexible Spending Account (DCFSA), you must have a qualifying dependent, such as a child under 13 or an adult who is physically or mentally unable to care for themselves. The care must be necessary so you (and your spouse, if filing jointly) can work, look for work, or attend school full-time.
FSAs do have a use-it-or-lose-it provision, so be conservative when electing how much to contribute.
Commuter Benefits
Carrier: WEX
Website: www.wexbenefitsyou.com/openenrollment
Commuter benefits allow employees to use pre-tax income to pay for their public transportation or parking expenses. Elected amounts will not be subject to federal, state, social security or Medicare taxes.
- Elect up to $340 per month in pre-tax deductions for the cost of mass transit
- Elect up to $340 per month in pre-tax deductions for the cost of parking a car at a transit station or near your office location
You can enroll in this benefit or make changes at any time by visiting paycom.com, clicking "Benefits" then "Benefits Enrollment."
Voluntary Benefits
Sometimes unexpected occurrences happen and medical insurance isn’t enough to cover the unforeseen out of pocket expense associated with the incident(s). Voluntary benefits can help.
Accident Coverage
Carrier: BlueCross BlueShield
Website: www.bcbsil.com/ancillary
Accident coverage pays cash to help with out-of-pocket expenses when an accident occurs. You or your designated beneficiary will receive a benefit to help ease the financial burden if you suffer an accident or pass away from a covered accident or illness. Employees will also receive a $50 annual benefit for completing a qualified health screening (including a COVID-19 test).
Employees are eligible if you're actively at work and working at least 30 hours per week. Spouses and children (from birth to age 26) can also purchase coverage as long as you have purchased coverage for yourself. You can elect coverage without answer medical questions and can keep your coverage if you change jobs or retire.
Hospital Indemnity
Carrier: BlueCross BlueShield
Website: www.bcbsil.com/ancillary
Hospital Indemnity insurance protects your family when you have a hospital or ICU stay. This policy provides financial protection by paying you a benefit for hospital admission, hospital confinement and ICU care.
Benefits are paid based on admission and length of stay for a defined number of days. This policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Plus, the plan will also pay you a $50 benefit when you complete a qualified health screening (including a COVID-19 test).
Critical Illness
Carrier: BlueCross BlueShield
Website: www.bcbsil.com/ancillary
Critical illness insurance will provide you with a lump-sum payment upon diagnosis for many conditions such as heart attack, stroke, major organ transplant, coronary artery bypass, cancer, carcinoma in situ, skin cancer, infectious disease (including COVID-19) and more. Employees will also receive a $75 annual benefit for completing a qualified health screening (including a COVID-19 test).
Employees can choose increments of $5,000 up to $30,000 of coverage. Spouses can choose increments of $2,500 up to $15,000 not to exceed the employee amount. Children can purchase 50% of the employee coverage amount as long as you have purchased coverage for yourself. You can elect coverage without answer medical questions and can keep your coverage if you change jobs or retire. There is no pre-existing condition clause and you can use this coverage more than once. Even after you receive a payout for one illness, you are still covered for the remaining conditions and for the reoccurrence of some of the critical illnesses. The benefit maximum is 2 times the benefit amount for each critical illness. Please review your plan document for more details and limitations.
Pet Insurance
Carrier: Nationwide
Website: www.petinsurance.com/nobleschools
Phone: 877-738-7874
Pet insurance provides coverage for your dog or cat for all accidents and illnesses, specialist treatments, prescription medications, hereditary and chronic conditions and more. You can receive cash back on eligible vet bills and choose from three levels of reimbursement: 90%, 70%, or 50%. You are able to use any vet, anywhere, with no network limitations and no pre-approvals required.
Nationwide’s pet insurance plan has a $250 annual deductible and a maximum annual benefit of $7,500. Pre-existing conditions are not covered. Any illness or injury a pet had prior to the start of policy will be considered preexisting. Optional wellness coverage is available for a spay/neuter, dental cleanings, exams, vaccinations and more.
Employee Support
Paid Time Away
Paid Time Off
Though taking time off is often hard as an educator, we try to ensure our staff have supportive time off policies when life requires it. At the end of each PTO year (July 31), any unused PTO that can be carried over into the following year will be. There is a 3-day and 7-day PTO carryover cap for academic and administrative employees, respectively.
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Paid Time Off (PTO) |
|
|
Academic Staff |
Accrue up to 5 days in their first year. This number increases with additional years of service. |
|
Academic Staff |
Observe the same winter, spring, and summer breaks that students observe. |
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Administrative (52-week) Staff |
Accrue up to 12 days per year in their first year. This number increases with additional years of service. |
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All Full-Time Staff |
Receive 27 fixed days of fully paid off in addition to PTO and sick time in SY26. |
Sick Bank Days
Every employee, excluding seasonal employees and coaches, will have five days of sick time in addition to PTO and fixed time off.
Parental Leave Policy
An ever-increasing number of Noble staff are choosing to grow their families; Noble has some key supports for our parents and kids.
Noble Day Care
- Sliding scale rates for Noble staff
- Priority enrollment for Noble staff
- Contact yespinoza@nobleschools.org for more information
Parental Leave Policy
- Noble staff with at least six months of Noble service are eligible for parental leave of up to 18 weeks total, with at least 12 weeks fully paid for both birthing and non-birthing parents. Birthing parents who have a c-section can take up to 20 total weeks. All elected benefits continue through the leave. Parental leave is divided into three categories:
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- Disability Leave - 6 to 8 weeks of paid leave for the period of disability caused by childbirth for the birthing parent (paid for by Noble and Noble’s short-term disability insurance policy)
- Bonding Leave - 6 or 12 weeks of paid leave to bond with a new child (paid for by Noble), for birthing and non-birthing parents respectively.
- Extended Bonding Leave - 6 additional weeks of leave to bond with a new child (can be unpaid or paid for by the employee using PTO and/or sick bank)
For more information, please reach out to your campus HR partner or review the Parental Leave Policy in the Noble Staff Handbook.
Family Planning and Parental Support
With an ever-increasing number of Noble staff choosing to grow their families, we offer key support programs for our employees and their families.
Carrier: Maven Maternity
Website: www.mavenclinic.com/join/noble1
Email: support@mavenclinic.com
Maven is your virtual clinic that lets you meet and message with 35+ provider types 24/7 (yep, even at 2am). Maven complements your in-person care so you can get your questions answered between appointments -- saving you time and money with same-day access specialists.
Noble Schools will offer you and your partner free access to Maven as your virtual health benefit for parenting and pediatrics.
Maven is with you every step of the way! Get 24/7 support from Maven!
Sign up for Maven for around-the-clock support through adoption support, creating your birth plan, midwives and doula support, parent coaching, developmental milestones, childcare options, toddler nutrition, career coaching, supporting you and your child’s mental health, and so much more. Video chat or message with top-rated providers in over 20 specialties, join a supportive community, and read expert resources on every topic.
Noble Schools employees and their partners receive unlimited access to Maven at no cost.
Get started today and meet your dedicated Care Advocate who can answer any question, anytime, and connect you with specialists on Maven’s supported topics
Career Support
Whether developing as a teacher, honing leadership skills or seeking additional distinction in your career, Noble has a variety of programs to support you.
Teacher Licensure
We have a licensure specialist as well as many licensure pathways that we have set up for our employees to engage with. Even better, in many of our partner programs Noble will financially support with your tuition! Please check out this live e-booklet and fill out this Google Form to be connected to Noble’s Licensure Support Team. Additionally, you may email Myra Mitchell <credentials@nobleschools.org>, the HR team's Licensure Specialist, who is available to make sure you have help navigating the often complex process of state licensure. Whether you are looking to be freshly licensed or looking to renew a current license, we are here to support.
Tuition Support for Master of Arts in Teaching
Noble offers teachers 75% tuition coverage for traditional and alternative teacher licensure programs at select partner universities. If deemed eligible, teachers have the opportunity to obtain a Master of Arts in Teaching and Illinois teaching license in just one to two years while remaining in the classroom. For more information visit Noble’s licensure live e-booklet.
Tuition Support for Subject Endorsement Programs
Noble has partnered with several universities and programs to offer subject endorsement courses at a subsidized cost for current Noble teachers. Noble provides 75% tuition coverage for endorsements in Math, ELA, Science, Social Science, Foreign Language, and ESL/Bilingual. Please fill out this Google Form or reach out to credentials@nobleschools.org to learn more, determine eligibility, and for support in enrolling.
On-Going Instructional Support
Core to Noble’s best-in-country results are the multitude of opportunities provided to instructors, leaders, and staff focused on delivering relevant and rigorous content aligned to our defined approach to instruction known as The Noble Classroom. In addition to resources and workshops, all Noble teachers are provided personalized coaching through regular 1:1 instructional support.
Leadership Pathways
Noble offers a variety of annual career-development pathways that can change annually including the Diverse Leaders Fellowship, Principal Fellowship, and Management Accelerator, which pairs aspiring staff with senior leaders in a year-long mentorship and career cohort.
Distinguished Teacher
Each year, through a rigorous application and selection process, a cohort of Noble teachers who have consistently demonstrated exceptional results with students can earn Distinguished Teacher recognition. In addition to the honor and recognition of being selected, Distinguished Teachers are eligible for an annual $10,000 salary increase and a variety of other benefits for the duration of their time as a Noble teacher.
Career Advice
Interested in exploring opportunities within Noble or want career support? You are welcome to reach out to careers@nobleschools.org to talk to a member of the Talent Team.
Referral Incentives
40-50% of Noble’s hires each year come from referrals from current staff members; Noble offers $1,000 referral bonuses to eligible staff who recommend someone hired at Noble and completes 120 days of active service. Please refer to Noble’s Staff Handbook for additional information.
Enroll
To begin the process, review this website and the 2026 Benefit Summary, then visit the Paycom website or mobile app and follow the instructions below.
As a reminder, changes to your initial benefit elections can only be made during the annual benefits open enrollment period each year unless you experience a qualifying life event as defined by the federal government.
New Employees
As a new employee, you may elect your benefits on the first of the month following 30 days of your effective hire date. To make your benefit elections, visit the Paycom website or mobile app and follow the instructions below.
For more information or questions on your benefits, contact a member of our Human Resources Team.
Phone: 312-521-5287 | Email: humanresources@nobleschools.org
Contact Us
Our dedicated Human Resources Team is here to support you throughout your benefits journey. For more information or questions, contact the appropriate team below:
- General or benefits-related inquiries - humanresources@nobleschools.org
- Leaves of absence - GroupAbsenceManagement.com/bcbsil
Notices
