2022-23 Alamo Heights ISD Benefit Guide by Higginbotham Public Sector

ALAMO HEIGHTS ISD BENEFIT GUIDE EFFECTIVE: 09/01/2022 8/31/2023 WWW.MYBENEFITSHUB.COM/ALAMOHEIGHTSISD 2022 - 2023 PlanYear 1

Table of Contents FLIP TO... How to Enroll 4 5 Annual Benefit Enrollment 6 10 1. Section 125 Cafeteria Plan Guidelines 6 2. Annual Enrollment 7 3. Eligibility Requirements 8 4. Helpful Definitions 9 5. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) 10 Medical 11 12 Health Savings Account (HSA) 13 14 Medical Supplement 15 16 Telehealth 17 Dental PPO 18 Dental DHMO 19 Vision 20 Disability 21 22 Hospital Indemnity 23 Cancer 24 Accident 25 26 Critical Illness 27 Life and AD&D 28 Individual Life 29 Emergency Medical Transportation 30 Flexible Spending Account (FSA) 31 32 Employee Assistance Program (EAP) 33 HOW ENROLTOLPG. 4 SUMMARYPAGESPG. 6 BENEFITSYOURPG. 11 2

Benefit Contact Information BENEFITS ADMINISTRATORS MEDICAL HEALTH SAVINGS ACCOUNT (HSA) Financial Benefit Services (469) 385 4685 Texas Schools Health Benefits Program (888)(TSHBP)803 0081 All Plans: https://tshbp.info/DrugPhamGroupPharmacywww.tshbp.orgBenefits:SouthernScripts#50000 (817)EECU 882 www.eecu.org0800 MEDICAL SUPPLEMENT TELEHEALTH DENTAL PPO Avesis Group #MG 124 OP122615 www.avesis.com800.522.0258 MD Live (888) 365 www.consultmdlive.com1663 Cigna Group #338077 (800) 244 www.cigna.com6224 DENTAL DHMO VISION DISABILITY www.humana.com(800)GroupHUMANA#66683222334013 Superior Vision Group #334550 PO Box 967, Rancho Cordova, CA 95741 (800) 507 www.superiorvision.com3800 The www.TheHartford.com866.278.2655GroupHartford#874729 HOSPITAL INDEMNITY CANCER ACCIDENT The Hartford Group #VHI 874729 www.TheHartford.com866.547.4205 Bay Bridge Administrators Group #128 800 845 www.baybridgeadministrators.com7519 Bay Bridge Administrators Group #128 800 845 www.baybridgeadministrators.com7519 CRITICAL ILLNESS LIFE AND AD&D INDIVIDUAL LIFE GroupAFLAC www.aflacgroupinsurance.com800.433.3036#20847 One America Financial Partners. Inc. Group www.oneamerica.com800.553.5318#G00613520 5Star Life Insurance Company (866) 863 www.5starlifeinsurance.com9753 EMERGENCY MEDICAL TRANSPORT FLEXIBLE SPENDING ACCOUNT (FSA) EMPLOYEE ASSISTANCE PROGRAM GroupMASA #MKAHISD (800) 423 3226 www.masamts.com (866)Higginbotham4193519 https://flexservices.higginbotham.net Deer Oaks EAP Services, LLC (866) 327 2400 www.deeroakseap.com 3

Employee benefits made easy through the FBS Benefits App! AllYour BenefitsOne App OR SCAN Text “FBS AHISD” to (800) 583-6908 App Group #: FBSAHISD Text “FBS AHISD” to (800) 583-6908 and get access to everything you need to complete your benefits enrollment: • Benefit Resources • Online Enrollment • Interactive Tools • And more! 4

1 www.mybenefitshub.com/alamoheightsisd How to Log In 2 CLICK LOGIN 3 ENTER USERNAME & PASSWORD Username: Your username is your Employee Identification Number (EEID number). Default Password: The last 4 of your Social Security Number. 5

Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and meet with your Benefit/HR Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.

Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual's eligibility under an employer's plan includes commencement or termination of employment.

Gain/Loss EligibilityDependents'ofStatus

A Cafeteria plan enables you to save money by using pre tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer.

Change in Number of Tax Dependents

CHANGES IN (CIS):STATUS QUALIFYING EVENTS

A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).

An event that causes an employee's dependent to satisfy or cease to satisfy coverage requirements under an employer's plan may include change in age, student, marital, employment or tax dependent status.

Change in Status of Employment Affecting Coverage Eligibility

Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.

If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual's plan, you may change your election to revoke coverage only for that dependent child and only Eligibility for Government Programs

Section 125 Cafeteria Plan Guidelines SUMMARY PAGESAnnual Benefit Enrollment 6

Judgment/Decree/Order

Marital Status

A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.

Q&A Who do I contact with Questions? For supplemental benefit questions, you can contact your Benefits/HR department or you can call Financial Benefit Services at 866 914 5202 for assistance.

• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.

If the insurance carrier provides ID cards, you can expect to receive those 3 4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card.

• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.

SUMMARY PAGESAnnual Benefit Enrollment 7

If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.

New Hire Enrollment

Howsection.can I find a Network Provider?

Where can I find forms?

For benefit summaries and claim forms, go to the Alamo Heights ISD benefit www.mybenefitshub.com/alamoheightsisdwebsite:. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section. When will I receive ID cards?

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/ alamoheightsisd. Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms

All new hire enrollment elections must be completed in the online enrollment system within the first 30 days of benefit eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

Annual Enrollment

• Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.

During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs.

Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent Disclaimer:eligibility.

Employee RequirementsEligibility

SUMMARY PAGES

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage. PLAN MAXIMUM AGE Dental (PPO/MAC) To age 26 Dental (DHMO) To age 26 Telehealth To age 26 Vision To age 26 Cancer To age 26 if student in accredited school Supplement/GapMedical To age 19 or 24 if full time student Accident To age 26 Voluntary Life and AD&D To age 26 Critical Illness To age 26 Individual Life To age 26 MedicalEmergencyTransport To age 26 Hospital Indemnity To age 26 Medical To age 26 Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.

Enrollment 8

Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse FSA/HSAeligibility.Limitations:

You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee's enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.

Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse's FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance.

Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week. Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2022 benefits become effective on September 1, 2022, you must be actively at work on September 1, 2022 to be eligible for your new benefits.

Annual Benefit

Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.

Dependent RequirementsEligibility

Annual

Actively at Work

The period during which existing employees are given the opportunity to enroll in or change their current elections. Annual Deductible The amount you pay each plan year before the plan begins to pay covered expenses.

Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescriptions drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).

January 1st through December 31st Co insurance After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. Coverage

In Network Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider. Out of Pocket Maximum

Calendar Year

The most an eligible or insured person can pay in co insurance for covered expenses.

September

SUMMARY PAGESHelpful Definitions 9

You are performing your regular occupation for the employer on a full time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel If you will not be actively at work beginning 9/1/2022 please notify your benefits administrator. Enrollment

Guaranteed

The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively at work and/or pre existing condition exclusion provisions do apply, as applicable by carrier.

Plan Year 1st through August 31st Pre Existing Conditions

FLIP TO FOR HSA INFORMATION PG. 13 FLIP TO FOR FSA INFORMATION PG. 31 Health Savings Account (HSA) (IRC Sec. 223) Flexible Spending Account (FSA) (IRC Sec. 125) Description Approved by Congress in 2003, HSAs are actual bank accounts in employee’s names that allow employees to save and pay for unreimbursed qualified medical expenses tax free. Allows employees to pay out of pocket expenses for copays, deductibles and certain services not covered by medical plan, tax free. This also allows employees to pay for qualifying dependent care tax free. Employer Eligibility A qualified high deductible health plan. All employers Contribution Source Employee and/or employer Employee and/or employer Account Owner Individual Employer Underlying RequirementInsurance High deductible health plan None Minimum Deductible $1,400 single (2022) $2,800 family (2022) N/A Maximum Contribution $3,650 single (2022) $7,300 family (2022) $2,850 (2022) Permissible Use Of Funds Employees may use funds any way they wish. If used for non qualified medical expenses, subject to current tax rate plus 20% penalty. Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC). Cash Outs of Unused Amounts (if no medical expenses) Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65). Not permitted Year to year rollover of account balance? Yes, will roll over to use for subsequent year’s health coverage. No. Access to some funds may be extended if your employer’s plan contains a 2 1/2 month grace period or $500 rollover provision. Does the account earn interest? Yes No Portable? Yes, portable year to year and between jobs. No SUMMARY PAGESHSA vs. FSA 10

Ready to search our network? Just visit http://aetna.com/asa

On the HDHP plan, a member must meet a minimum of $1,400 of the deductible accumulation before receiving the credit to comply with HSA requirements. Access the MyTSHBP Digital Wallet for easy access to all your benefit resources.

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Aetna Network Highlights

www.mybenefitshub.com/alamoheightsisd Medical Insurance Texas Schools Health Benefits Program EMPLOYEE BENEFITS

ABOUT TSHBP

PPO Deductible Credits

We know quality care is important. So we make sure our doctors successfully complete our credentialing requirements. Our credentialing process meets industry standards, as well as state and federal requirements. You’ll also have access to over 600 Institutes of Excellence™ facilities and Institutes of Quality® facilities. We measure these publicly recognized institutes by clinical performance, outcomes and efficiency. Then, we pass this guidance along to you so you can choose the best facility.

The TSHBP is proud to offer a variety of plans and benefits to meet your school district’s needs. All plans are designed so members can easily navigate through their health medical needs. full plan details, please visit your benefit website:

With the Aetna PPO plans, if you choose to utilize the services of a Care Coordinator for a procedure or admission to a facility, you will receive a $500 credit toward your deductible1. If you have already met your deductible, the $500 credit will apply to your out of pocket maximum!

Directed Care Highlights

The TSHBP Directed Care Plans utilize a national network to provide physician and ancillary services access to all members. Enrolled school districts will access the HealthSmart practitioner and ancillary only network to gain access to over 478,000 providers in over 1,222,000 unique locations across the United States, Please note, hospitals are excluded from the PPO networks. All hospital and other medical facility based services are accessed via an assigned Care TSHBPCoordinator.members will experience the lowest out of pocket costs for physician and ancillary medical services when utilizing network providers. HealthSmart Network Solutions’ Physician and Ancillary Only Primary PPO contains approximately 478,000 contracted providers in over 1,222,000 unique locations across the country. It is easy to look up providers in your area by looking up providers in your area by clicking on the link below. Your searches can be saved to your computer or sent to your email.

No one likes changing doctors every year. We make it easier, so you don’t have to. Our local network teams work with doctors and hospitals to promote effective member care and better customer satisfaction. As a result, the turnover in our network is remarkably low, year after year.

For

https://tshbp.info/HSNetwork

EMPLOYEE BENEFITS Medical Insurance Texas Schools Health Benefits Program PLAN SUMMARY DIRECTED CARE PLANS AETNA NETWORK PLANS High(Current)Deductible (Current)CoPay Aetna(New)HD Aetna(New)Signature Directed Care Plan • Use CC for Hospital/ Surgical Services • Compatible with an HSA • Lowest HD Premium Plan • Out of Network Benefits Directed Care Plan • Use CC for Hospital/ Surgical Services • Co payments for Services • Reduce Out of Pocket • Out of Network Benefits Traditional PPO Plan • Compatible with an HSA • Network for all physician and hospital services Traditional PPO Plan • Lowest Deductible Plan • Brand Drug Deductible • Network for all physician and hospital services Plan Features In Network In Network In Network In Network Individual/FamilyDeductible $3,000/$9,000 $0 Deductible $3,000/$6,000 $2,000/$4,000 Coinsurance None Plan Pays 100% after deductible None Plan Pays 100% after out of pocket is met You pay 30% deductibleafter You pay 25% deductibleafter Ind/Fam Out of Pocket $3,000/$9,000 $3,500/$10,500 $7,000/$14,000 $7,500/$15,000 National Network HealthSmart HealthSmart Aetna Aetna PCP Required No No No No PCP Referral to Specialist No No No No Doctor VisitsPreventive Care Yes $0 copay Yes $0 copay Yes $0 copay Yes $0 Copay Primary Care Deductible, then Plan pays 100% $35 copay You pay 30% deductibleafter $30 copay Specialist Deductible, then Plan pays 100% $35 copay You pay 30% after deductible $70 copay Virtual Health $30 per consultation $0 per consultation $30 per consultation $0 per consultation Care Facilities Urgent Care Deductible, then Plan pays 100% $50 copay You pay 30% deductibleafter $50 copay Emergency Care Deductible, then Plan pays 100% $500 copay You pay 30% deductibleafter You pay $500 copay + 25% after deductible Outpatient Surgery Deductible, then Plan pays 100% $500 copay You pay 30% deductibleafter You pay 25% deductibleafter PrescriptionsDrug Deductible Integrated with medical No deductible Integrated with medical $500 brand deductible Days Supply 30 Day Supply / 90 Day Supply 30 Day Supply / 90 Day Supply 30 Day Supply / 90 Day Supply 30 Day Supply / 90 Day Supply Generics Deductible, then Plan pays 100% $0 at selected pharmacies; others $10/$20 copay You pay 20% deductible;after $0 for certain generics $15/$45 copay Preferred Brand Deductible, then Plan pays 100% $35 copay or 50% copay (max $100) You pay 25% deductibleafter You pay 25% deductibleafter Non preferred Brand Deductible, then Plan pays 100% $70 copay or 50% copay (max $200) You pay 50% deductibleafter You pay 50% deductibleafter Specialty Limited PAP Required Limited PAP Required Full Coverage PAP Required Full Coverage PAP Required Employee Cost (District ContributionEmployeeIncluded)Only $28.00 $78.00 $68.00 $114.00 Employee/Spouse $665.00 $805.00 $808.00 $846.00 Employee/Child $344.00 $435.00 $389.00 $426.00 Employee/Family $955.00 $1,150.00 $1,009.00 $1,093.00 12

Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2022 is based on the coverage option you elect:

For

• Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account

Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP). full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd

You are eligible to open and contribute to an HSA if you are: Enrolled in an HSA eligible HDHP (High Deductible Health Plan)

You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.

A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax free and spends tax free if used to pay for qualified medical expenses. There is no “use it or lose it” rule you do not lose your money if you do not spend it in the calendar year and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.

•

• Individual $3,650

• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan

• Family (filing jointly) $7,300 You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch up contribution for the entire plan year.

A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs it is also a tax exempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs.

Health Savings Account (HSA)

A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used.

• Not receiving Veterans Administration benefits

• Not eligible to be claimed as a dependent on someone else’s tax return

• Not enrolled in Medicare or TRICARE

ABOUT HSA

EECU EMPLOYEE BENEFITS

HSA Eligibility

Maximum Contributions

Opening an HSA If you meet the eligibility requirements, you may open an HSA administered by EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA. Important HSA Information • Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount. • You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit. You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deduction and company contributions. How to Use your HSA • Online/Mobile: Sign in for 24/7 account access to check your balance, pay bills and more. • Call/Text: (817) 882 0800. EECU’s dedicated member service representatives are available to assist you with any questions. Their hours of operation are Monday through Friday from 8:00 a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. 1:00 p.m. CT and closed on Sunday. • Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333 9934 • Stop by a local EECU financial center for in person assistance; find EECU locations & service hours a www.eecu.org/ locations EMPLOYEE BENEFITSHealth Savings Account (HSA) EECU 14

Low Option

•

This plan covers up to: $1,000 In Hospital Confinement expenses associated with deductible, co pay and coinsurance amounts not covered by your Major Medical plan. This plan covers up to: $1,000 expensesOutpatientassociated with deductible, co pay and coinsurance amounts not covered by your Major Medical plan.

•

SecureADVANTAGE pays covered expenses for: In Patient Hospital stays In Patient Surgeries In Patient Tests, Procedures, and Medications (billed through the facility) In Hospital charges Emergency Room treatment for Injuries and Sickness (sickness must result in hospital confinement within 24 hours of ER treatment)

High Option

• Physician

per 15

For

•

scans • Outpatient

Outpatient pays covered expenses including but not limited to: Hospital Emergency Room Treatment for Injury or Sickness surgery in an outpatient Surgical Facility, Emergency Facility or Physician’s Office Diagnostic Testing including Xrays, Diagnostic Lab, and CT Chemotherapy or Therapy or Chiropractic

•

The Outpatient I Benefit pays on a per person per Sickness Injury basis, up to a maximum of four "occurrences"

Radiation Therapy • Physical

www.mybenefitshub.com/alamoheightsisd Supplemental Insurance Avesis EMPLOYEE BENEFITS

This plan covers up to: $4,000 In Hospital Confinement expenses associated with deductible, co pay and coinsurance amounts not covered by your Major Medical plan. This plan covers up to: $2,500 expensesOutpatientassociated with deductible, co pay and coinsurance amounts not covered by your Major Medical plan.

MRI’s

This plan provides supplemental coverage to help offset out of pocket costs that you may experience due to deductibles, co payments and coinsurance of your employer’s medical plan. full plan details, please visit your benefit website:

A more effective way to protect you and your dependents

SecureADVANTAGE is designed to complement your existing major medical insurance and provide added coverage that fills the gaps between what your major medical plan will pay and what you owe out of your own pocket if you are hospital confined. It provides added coverage for you and each covered family member, should you be required to pay for expenses associated with each hospital confinement that are applied to your deductible and Benefitscoinsurance.arepaid directly to you when you are hospitalized due to an injury or sickness, unless an Assignment of Benefits Form dictates that benefits should be paid to your doctor or the hospital at time of treatment.

Inpatient Services

Services • SecureADVANTAGE

• Outpatient

ABOUT SUPPLEMENTAL INSURANCE

Protecting Coverage

•

Care Outpatient Benefits

Benefits

Secure Advantage Outpatient Benefits pays for covered expenses including

carrier. Claim

Employee

Portal. EMPLOYEE BENEFITSSupplemental Insurance Avesis Medical Supplement Under Age 40 $1,000 $4,000 Employee $22.62 $47.72 Employee + Spouse $40.72 $85.90 Employee + Child(ren) $54.71 $116.07 Family $72.78 $154.20 Ages 40 49 $1,000 $4,000 Employee $28.69 $60.36 Employee + Spouse $51.57 $108.65 Employee + Child(ren) $56.98 $120.62 Family $79.92 $168.85 Ages 50 & Above $1,000 $4,000 Employee $60.75 $123.55 Employee + Spouse $109.33 $222.32 Employee + Child(ren) $103.90 $215.39 Family $152.42 $314.11 16

expenses

and

family per calendar year. This maximum applies to the entire family unit, regardless of the number of covered persons within the family unit. An "occurrence" is the treatment, or series of treatments, for a specific Sickness or Injury. All expenses related to the treatment of the same related Sickness or Injury will accrue toward the outpatient maximum for one occurrence, regardless of whether such treatment is received in more than one calendar year period. If, however, a Covered Person is treatment free, at any time, for at least 90 consecutive days, they may qualify for an additional outpatient maximum benefit if the family maximum per calendar year has not been met. but not limited Injury Sickness but not limited Inpatient Outpatient are limited to those that are medically necessary for the treatment of an Injury or Sickness. Further, such expenses must be covered under the major medical comprehensive policy and applied to that plans deductible, copayment, or coinsurance provision. file a claim, complete a claim form and mail to forms can be located on the Benefits

to : • Hospital Emergency Room Treatment for

• Outpatient Surgery in an outpatient surgical facility, emergency facility or physician’s office • Diagnostic testing including

to Xrays, diagnostic lab, MRI’s and CT scans • Outpatient chemotherapy or radiation therapy • Physical therapy or chiropractic care All

ABOUT TELEHEALTH Telehealth provides 24/7/365 access to board certified doctors via telephone or video consultations that can diagnose, recommend treatment and prescribe medication. Telehealth makes care more convenient and accessible for non emergency care when your primary care physician is not available. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Telehealth MDLive EMPLOYEE BENEFITS Alongside your medical coverage is access to quality telehealth services through MDLIVE. Connect anytime day or night with a board certified doctor via your mobile device or computer. While MDLIVE does not replace your primary care physician, it is a convenient and cost effective option when you need care and: • Have a non emergency issue and are considering a convenience care clinic, urgent care clinic or emergency room for treatment • Are on a business trip, vacation or away from home • Are unable to see your primary care physician When to Use MDLIVE: At a cost that is the same or less than a visit to your physician, use telehealth services for minor conditions such as: • Sore throat • Headache • Stomachache • Cold • Flu • Allergies • Fever • Urinary tract infections Do not use telemedicine for serious or life threatening emergencies. Registration is Easy Register with MDLIVE so you are ready to use this valuable service when and where you need it. • Online www.mdlive.com/fbsbh • Phone 888 365 1663 • Mobile download the MDLIVE mobile app to your smartphone or mobile device • Select “MDLIVE as a benefit” and “FBS” as your Employer/Organization when registering your account. Telehealth Employee & Family $10.00 17

Coverage is provided through Cigna. Two levels of benefits are available with the DPPO plan: in network and out of network. You may select the dental provider of your choice, but your level of coverage may vary based on the provider you see for services. You could pay more if you use an out of network provider. How to Find an In network Dentist To search for a dentist on Cigna.com, visit the site and click “Find a Doctor, Dentist or Facility.” Follow the prompts on screen and when asked to choose your plan, select “DPPO/EPO > Total Cigna DPPO.” Or call 800 244 6224 to find an in network dentist. How to Request a New ID Card You can request your dental id card by contacting Cigna directly at 800 244 6224. You can also go to www.mycigna.com and register/ login to access your account. In addition you can download the “MyCigna” app on your smartphone and access your id card right there on your phone. Dental PPOHighPlan PlanLow Employee Only $28.46 $39.99 Employee + 1 $59.33 $84.83 Employee & Family $91.47 $128.44 ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and Fordisease.fullplan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Dental PPO Cigna EMPLOYEE BENEFITS Cigna Dental Choice Plan Summary Please see plan documents for details and limitations High PPO Plan Low PPO Plan Network Options In Network ‘TotalDPPOCigna ’ Out of Network In Network ‘TotalDPPOCigna ’ Out of Network Reimbursement Levels Based ContractedonFees beCharge,ReimbursableMaximumyoumaybalancedbilled Based ContractedonFees AllowableMaximumCharge,youmaybebalancedbilled. Policy Year Deductible Individual Family $50 $150 $50 $150 $50 $150 $50 $150 Calendar Year Benefit Maximum Per Individual $1250 $1000 Benefit Highlights Plan Pays You Pay Plan Pays You Pay Class I: Diagnostic & Preventive Oral Prophylaxis:Evaluationsroutine cleanings X rays: routine & non routine Fluoride SpaceSealants:ApplicationpertoothMaintainers:non orthodontic Emergency Care to Relieve Pain No Charge No Charge No Charge No Charge Class II: Basic Restorative Restorative: Endodontics:fillingsminor and major Periodontics: minor and major Oral Surgery: minor and major Anesthesia: general and IV sedation Repairs: dentures 20% after deductible 20% after deductible 20% after deductible 20% after deductible Class III: Major Restorative Inlays and Onlays Prosthesis Over Implant Crowns: prefabricated stainless steel / resin Crowns: permanent cast and porcelain Bridges and Dentures Repairs: bridges, crowns and inlays Denture Relines, Rebases and Adjustments 50% deductibleafter 50% deductibleafter 50% deductibleafter 50% deductibleafter Class IV: Orthodontia Coverage for Dependent Children to age 19 Lifetime Benefits Maximum: $1,000 50% No Deductible $50% No Deductible 50% deductibleafter 50% deductibleafter 18

ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and Fordisease.fullplan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Dental DHMO Humana EMPLOYEE BENEFITS Coverage is provided through HumanaDental benefits. After you enroll in a plan and receive your ID card, you can manage your plan information on your personal home page on Humana.com. • You have the freedom to select any participating general dentist as your primary care dentist. To select a dental provider from our network, simply visit Humana.com. Once there, you can also check your benefits, email us and get a new or temporary ID card. If you prefer, contact us at 1 800 342 5209. • Life without claim forms! With the HumanaDental DHMO plan you pay your dentist directly, when applicable. • Your primary dentist will provide all of your routine dental care and you will pay any copayment or discounted charges at the time of service. • If you need a specialty dentist, you may receive up to a 25 percent discount by using certain participating specialty dentists from our network. Visit Humana.com to find a participating specialist. Dental DHMO Employee Only $17.13 Employee + 1 $33.92 Employee & Family $60.34 19

ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Vision Insurance Superior Vision EMPLOYEE BENEFITS How to Print your Vision ID Card: You can request your vision id card by contacting Superior Vision directly at 800 507 3800. You can also go to www.superiorvision.com and register/login to access your account by clicking on “Members” at the top of the page. You can also download the Superior Vision mobile app on your smart phone. Discount Features Non Covered Eyewear Discount: Members may also receive a discount of 20% from a participating provider’s usual and customary fees for eyewear purchases which exceed the benefit coverage (except disposable contact lenses, for which no discount applies). This includes eyeglass frames which exceed the selected benefit coverage, specialty lenses (i.e. progressives) and lens “extras” such as tints and coatings. Eyewear purchased from a Walmart Vision Center does not qualify for this additional discount because of Walmart’s “Always Low Prices” policy. In network Out of network Exam (ophthalmologist) Covered in full Up to $35 retail Frames $150 retail allowance Up to $70 retail Lenses (standard) per pair Single Vision Covered in full Up to $25 retail Bifocal Covered in full Up to $40 retail Trifocal Covered in full Up to $45 retail Progressive See description1 Up to $45 retail Lenticular Covered in full Up to $80 retail Polycarbonate Covered in full Up to $20 retail UV coating Covered in full Up to $20 retail Scratch coating Covered in full Up to $25 retail Contact Lenses2 $150 retail allowance Up to $80 retail Medically Necessary Contact Lenses Covered in full Up to $150 retail Lasik Vision Correction $200 allowance3 Co pays apply to in network benefits; co pays for out of network visits are deducted from reimbursements 1. Materials co pay applies to lenses and frames only, not contact lenses 2. Standard contact lens fitting applies to a current contact lens user who wears disposable, daily wear, or extended wear lenses only. Specialty contact lens fitting applies to new contact wearers and/or a member who wear toric, gas permeable, or multi focal lenses. 3. Covered to provider’s in office standard retail lined trifocal amount; member pays difference between progressive and standard retail lined trifocal, plus applicable co pay. 4. Contact lenses are in lieu of eyeglass lenses and frames benefit Copays Services/frequency Monthly Premiums Exam $10 Exam 12 months Employee Only $9.25 Materials $25 Frame 12 months Employee + 1 $15.75 Lenses 12 months Employee and Family $20 10 Contact lenses 12 months 20

You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a disability benefit payment. The elimination period that you select consists of two numbers.

The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.

You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session.

ABOUT DISABILITY Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Disability Insurance The Hartford EMPLOYEE BENEFITS EDUCATOR DISABILITY INSURANCE OVERVIEW What is Educator Disability Income Insurance? Educator Disability insurance combines the features of a short term and long term disability plan into one policy. The coverage pays you a portion of your earnings if you cannot work because of a disabling illness or injury. The plan gives you the flexibility to choose a level of coverage to suit your need. You have the opportunity to purchase Disability Insurance through your employer. This highlight sheet is an overview of your Disability Insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. Why do I need Disability Insurance Coverage?  More than half of all personal bankruptcies and mortgage foreclosures are a consequence of disability  The average worker faces a 1 in 3 chance of suffering a job loss lasting 90 days or more due to a disability  Only 50% of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income ELIGIBILITY AND ENROLLMENT Eligibility

You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.

You can enroll in coverage within 31 days of your date of hire or during your annual enrollment period.

Enrollment

For those employees electing an elimination period of 30 days or less, if your are confined to a hospital for 24 hours more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.

Effective Date Coverage goes into effect subject to the terms and conditions of the policy. You must satisfy the definition of Actively at Work with your employer on the day your coverage takes effect. Actively at Work

You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $7,500 that cannot exceed 66 2/3% of your current monthly earnings. Earnings are defined in The Hartford’s contract with your employer.

FEATURES OF THE PLAN Benefit Amount

Elimination Period

Definition of Disability Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy, or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre disability earnings. One you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 66 2/3% or less of your pre disability earnings. Condition policy limits the benefits you can receive for a disability caused by a pre existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have not received treatment for the disabling condition within 3 months, while insured under this policy, before the disability begins, or You have been insured under this policy for 12 months before your disability begins. If your disability is a result of a pre existing condition, we will pay benefits for a maximum of 4 weeks. be found Disability.

on your Employee Benefits Portal under

Insurance The Hartford PROVISIONS OF THE PLAN

Pre Existing

EMPLOYEE BENEFITS

How to File a Claim Instructions on how to file a claim can

Limitation Your

To File a Claim, Call this Number: 866 278 2655. Disability (per $200 in benefit) Elimination Period Premium Select 0/7 $8.98 $8.70 14/14 $6.86 $6.60 30/30 $6.02 $5.76 60/60 $3.28 $2.66 90/90 $2.46 $2.02 22

Disability

ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be in patient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Hospital Indemnity The Hartford EMPLOYEE BENEFITS COVERAGE INFORMATION You have a choice of three hospital indemnity plans, which allows you the flexibility to enroll for the coverage that best meets your current financial protection needs. Benefit amounts are based on the plan in effect for you or an insured dependent at the time the covered event occurs. Unless otherwise noted, the benefit amounts payable under each plan are the same for you and your dependent (s). How to File a Claim: You can file your claim in different ways depending on what's most convenient to you: 1. ONLINE • Visit the Supplemental Insurance Claims Portal at TheHartford.com/benefits/myclaim. • Register for access if you have not done so already. (Please note: We must have current eligibility from your benefits administrator for you and any dependents to be eligible to register on the portal.) • Log in to the portal. • Click on "Complete Your Claim Form Online" under the Quick Links section. • Follow the prompts to complete and submit a claim. 2. FILE A CLAIM OVER THE PHONE (Applicable to Health Screening Benefit/Accident Protection Benefit Only) • File your claim by calling 866 547 4205. • Available Monday through Friday, 8a.m. 6p.m. EST. 3. SUBMIT A CLAIM VIA MAIL OR FAX • Download a claim form at TheHartford.com/benefits/ myclaim. • Complete the form and mail or fax it to: The Hartford Supplemental Insurance Benefit Department P.O. Box 99906 Grapevine, TX 76099 Fax Number: 469 417 1952 For assistance filing your claim, call 866 547 4205. PLAN INFORMATION LOW PLAN MID PLAN HIGH PLAN Coverage Type On and off (24jobhour) On and off (24jobhour) On and off job (24 hour) Covered Events Illnessinjuryand Illnessinjuryand Illnessinjuryand HSA Compatible Yes Yes Yes BENEFITS HOSPITAL CARE LOW PLAN MID PLAN HIGH PLAN First Day Hospital Confinement Up to 1 day per year $500 $1,000 $2,000 Daily Hospital Confinement (Day 2+) Up to 90 days per year $100 $150 $200 Daily ICU Confinement Up to 30 days per year $200 $300 $400 VALUE ADDED SERVICES LOW PLAN MID PLAN HIGH PLAN Ability Assist® EAP: 24/7/265 access to help for financial, legal or emotional issues Included Included Included HealthChampionSM : Administrative & clinical support following serious illness or injury Included Included Included Hospital Indemnity Premiums TIER LOW PLAN MID PLAN HIGH PLAN Employee Only $9.02 $15.99 $27.87 Employee and Spouse $17.14 $30.32 $52.75 Employee and Child(ren) $16.97 $29.89 $51.67 Employee and Family $26.40 $46.52 $80.50 23

• PreX:

benefits. • First Diagnosis $2500 both plans Wellness

• Two Options: High/Low both

policy Monday

How to file a Claim:

Central Standard Time. ALL REQUIRED PORTIONS OF THIS CLAIM FORM MUST BE COMPLETED TO AVOID UNNECCESARY DELAY IN THE PROCESSING OF YOUR REQUEST FOR BENEFITS. Cancer Low Low +ICU High High +ICU Employee $18.38 $21.00 $23.87 $28.91 Employee + Spouse $37.60 $43.05 $48.84 $59.32 Employee + Child(ren) $24.43 $28.60 $31.25 $39.27 Family $43.66 $50.66 $56.23 $69.69 24

your

7519

• Experimental

1. Complete each section of the first page of the claim form. (Download form through the employee portal)

• Travel

and specified

If you

• Routine

applies,

Examiner

Cancer kills more than 500,000 Americans each year, making it the second most common cause of death in the United States. Cancer insurance is designed to relieve your financial burden to help you focus on recovering your health. Money received from cancer benefits can help pay for many expenses such as: cancer treatment and lodging costs related to treatment living expenses like mortgage and utility bills. If Actively at Work on Effective date. 12 month Pre ex cannot change plans from low to high once diagnosed with any cancer. pay off a schedule of Benefit: $50 annually

ABOUT CANCER Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Cancer Insurance Bay Bridge Administrators EMPLOYEE BENEFITS Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment. Why I Need Cancer Insurance

• Guaranteed Issue,

2. Attach a copy of the pathology report(s) with a positive diagnosis of cancer or a specified disease. Be sure to attach the earliest diagnosis of cancer or specified disease to ensure proper payment of benefits. For Intensive Care Coverage claims only please complete each section of the first page of the claim form and attach a copy of the itemized bill from your hospital stating dates you were billed for intensive care confinement and the diagnosis codes for the confinement. have questions or need assistance, please call us toll free at 800 845 and ask to speak with a Claims about cancer disease Friday, 8:00AM 5:00PM, (CST)

ABOUT ACCIDENT Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Accident Insurance Bay Bridge Administrators EMPLOYEE BENEFITS Why I Need Accident Insurance Accident insurance will deliver a pre determined payment to you for various qualifying incidents. These occurrences may include: • Injuries such as fractures, dislocations, burns, concussions, lacerations, etc. • Medical services and treatments such as emergency transportation and physical therapy. • Some plans also include accidental death and dismemberment or common carrier benefits as an add on benefit. How to File a Claim: Access claim form through the employee portal or call 800.845.7519 Primary Insured Coverage 100%/Spouse Coverage 50%/ Child Coverage 25% Bronze1Unit 2Silverunits 3GoldUnits Accident Medical Expense Benefit We will pay the Actual Charges incurred up to $250 per unit if, as a result of Injury, a Covered Person requires medical or surgical treatment. $250 $500 $750 Accident Hospital Indemnity Benefit We will pay for each day a Covered Person is Confined during one or more periods of Hospital Confinement if: a) the Confinement is due to Injury; or b) the first day of Confinement occurs within 90 days after the accident. $100 $200 $300 Ambulance Service Benefit We will pay for regular ambulance service and for air Ambulance if as a result of an injury, a Covered Person requires ambulance service for transfer; a) to a Hospital; or b) from a Hospital. Regular Ambulance/Air Ambulance $100/$200 $100/$200 $100/$200 Dislocation and Fracture Benefit We will pay the following amount shown based on Your selection of coverage: For Fracture of Bone or Bones of: Bronze Silver Gold Skull (except Bones of Face or Nose) $1,900 $3,800 $5,700 Hip, Thigh (Femur) $2,000 $4,000 $6,000 Pelvis (Except Coccyx) $2,000 $4,000 $6,000 Arm, Between Shoulder and Elbow (Shaft) $1,100 $2,200 $3,300 Shoulder Blade (Scapula) $1,100 $2,200 $3,300 Leg (Tibia or Fibula) $1,100 $2,200 $3,300 Ankle $800 $1,600 $2,400 Knee Cap (Patella) $800 $1,600 $2,400 Collar Bone (Clavicle) $800 $1,600 $2,400 Forearm (Radius or Ulna) $800 $1,600 $2,400 Foot (Except Toes) $700 $1,400 $2,100 Hand or Wrist (Except Fingers) $700 $1,400 $2,100 Lower Jaw (Except Alveolar Process) $400 $800 $1,200 Two or More Ribs, Fingers or Toes $300 $600 $900 Bones of Face or Nose $300 $600 $900 For Fracture of Bone or Bones of: Bronze Silver Gold One Rib, Finger or Toe $140 $280 $420 Coccyx $140 $280 $420 Hip Joint $2,000 $4,000 $6,000 Knee Joint (Except Patella) $800 $1,600 $2,400 Bone or Bones of the Foot, Other than Toes $800 $1,600 $2,400 Ankle Joint $800 $1,600 $2,400 Wrist Joint $700 $1,400 $2,100 Elbow Joint $600 $1,200 $1,800 Shoulder Joint $400 $800 $1,200 Bone or Bones of the Hand, Other than Fingers $300 $600 $900 Collar Bone $300 $600 $900 Two or More Fingers $140 $280 $420 Two or More Toes $140 $280 $420 One Finger or One Toe $60 $120 $180 25

EMPLOYEE BENEFITS Accident Insurance Bay Bridge Administrators Accidental Death and Dismemberment Benefit We will pay the following amount shown based on Your selection of coverage: For Loss of: Bronze Silver Gold Life $20,000 $40,000 $60,000 Both Hands or Both Feet or Sight of Both Eyes $20,000 $40,000 $60,000 Both Arms or Both Legs $20,000 $40,000 $60,000 One Hand or Arm and One Foot or Leg $20,000 $40,000 $60,000 Sight of One Eye $10,000 $20,000 $30,000 One Hand or One Arm $10,000 $20,000 $30,000 One Foot or One Leg $10,000 $20,000 $30,000 One or More Entire Toes $1,000 $2,000 $3,000 One or More Entire Fingers $800 $1,600 $2,400 Primary Insured Coverage 100%/Spouse Coverage 50%/ Child Coverage 25% Accident Bronze BronzeRiderwith Silver SilverRiderwith Gold Gold with Rider Employee Only $9.40 $12.69 $18.80 $22.09 $28.20 $31.49 Employee and Spouse $16.82 $23.39 $33.64 $40.21 $50.46 $57.03 Employee and Child(ren) $17.46 $24.82 $34.92 $42.28 $52.38 $59.74 Employee and Family $24.89 $35.53 $49.78 $60.42 $74.67 $85.31 26

ABOUT CRITICAL ILLNESS

• Plans are designed to pay a benefit specific to the diagnosis usually ranging from $5,000 to $20,000.

Critical illness insurance can be used towards medical or other expenses. provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. money can also be used for non medical costs related to the illness, including transportation, child care, etc. full details, please visit your benefit website:

• Plan includes a $50 wellness benefit that pays covered employees for having certain annual screenings performed. Critical illness plans complement high deductible health plans (HDHP) by reducing the worry of having to pay a large medical deductible while suffering from a major illness. claim form located in Benefits Portal/Critical Illness and mail in, or email to groupclaimfiling@aflac.com or fax to $20,000.00

Serious medical conditions can affect not only your heath, but also your bank account. Medical expenses reportedly lead to more than half of all bankruptcies in the United States. When faced with a severe illness, a critical illness policy can help in many ways.

www.mybenefitshub.com/alamoheightsisd Critical Illness Insurance Aflac EMPLOYEE BENEFITS Why I Need Critical Illness Insurance

•

Complete

18 29 $2.71 $3.90 $5.09 $6.28 30 39 $3.62 $5.71 $7.81 $9.90 40 49 $4.85 $8.17 $11.50 $14.82 50 59 $7.82 $14.11 $20.41 $26.70 60+ $18.92 $36.31 $53.71 $71.10 Spouse Age $5,000.00 $10,000.00 $15,000.00 $20,000.00 18 29 $2.71 $3.90 $5.09 $6.28 30 39 $3.62 $5.71 $7.81 $9.90 40 49 $4.85 $8.17 $11.50 $14.82 50 59 $7.82 $14.11 $20.41 $26.70 60+ $18.92 $36.31 $53.71 $71.10 27

1.866.849.2970. Critical Illness Employee Age $5,000.00 $10,000.00 $15,000.00

plan

The

For

• Life amounts requested above $150,000 for an Employee, $30,000 for a Spouse, and $10,000 for a Child(ren) or any amount not requested timely will require Evidence of Insurability.

Portability: Should your coverage terminate for any reason, you may be eligible to take this term life insurance with you without providing Evidence of Insurability. You must apply within 31 days from the last day you are eligible. The Portability option is available until you reach age 70.

OR Conversion: Should your life insurance coverage, or a portion of it, cease for any reason, you may be eligible to convert your Group Term Coverage to Individual Coverage without providing Evidence of Insurability. You must apply within 31 days from the last day you are Acceleratedeligible.

ABOUT LIFE AND AD&D

For

Continuation of Coverage Options:

Group term life is the most inexpensive way to purchase life insurance.

Age (perEmployee$10,000)

Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd your benefit options:

• Employee must select coverage to select any Dependent coverage. AD&D coverage is not included for dependents.

18 64 $2.10 $0.90 65 69 $6.30 $0.90 70 74 $15.30 75+ $15.30 Spouse rates based on Employee Age Voluntary Group Life and AD&D Child(ren) Age 0 26 $5,000 in coverage $1.00 $5,000 in coverage $2.00 28

• Employee Guaranteed Issue Amount: $150,000

Waiver of Premium: If approved, this benefit waives your insurance premium in case you become totally disabled and are unable to collect a Reductions:paycheck. Upon reaching certain ages, your original benefit amount will reduce to a percentage as shown in the following schedule. The amounts of Dependent Life Insurance and Dependent AD&D Principal Sum will reduce according to the Employee's reduction schedule: 65% at age 70, 50% at age 75. Voluntary Group Life and AD&D (perSpouse$5,000)

Life and AD&D One America EMPLOYEE BENEFITS About

Evidence of Insurability: If you elect a benefit amount over the Guaranteed Issue Amount shown above, or you do not enroll timely, you will need to submit a Statement of Insurability form for review. Based on health history, you will be approved or declined for insurance coverage by AUL.

• A Spouse must be under age 70 to be eligible for benefits.

Guaranteed Issue Amounts: This is the most coverage you can purchase without having to answer any health questions. If you decline insurance coverage now and decide to enroll later, you will need to provide Evidence of Insurability.

You have the freedom to select an amount of life insurance coverage you need to help protect the well being of your family.

Death & Dismemberment (AD&D): If approved for this benefit, additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. This benefit is not available for dependents.

Flexible Choices: Since everyone's needs are different, this plan offers flexibility for you to choose a benefit amount that fits your needs and Accidentalbudget.

• You may select a minimum Life benefit of $10,000 up to a maximum amount of $150,000, in increments of $10,000, not to exceed 5 times your teacher's base salary, rounded to the next higher $10,000.

Life Benefit: If diagnosed with a terminal illness and have less than 12 months to live, you may apply to receive 25%, 50% or 75% of your life insurance benefit to use for whatever you choose.

AUL's Group Voluntary Term Life and AD&D Insurance Terms and Definitions Eligible Employees: This benefit is available for employees who are actively at work on the effective date and working a minimum of 30 hours per week.

• Spouse Guaranteed Issue Amount: $30,000 • Child Guaranteed Issue Amount: $10,000 Timely Enrollment: Enrolling timely means you have enrolled during the initial enrollment period when benefits were first offered by AUL, or as a newly hired employee within 31 days following completion of any applicable waiting period.

• Dependent coverage cannot exceed 50% of the Voluntary Term Life amount selected by the Employee.

• Minimal Cash Value. Designed to provide a high death benefit at a reasonable premium, purelife plus provides peace of mind for you and your beneficiaries while freeing investment dollars to be directed toward such tax favored retirement plans as 403(b), 457 and 401(k).

• Accelerated Death Benefit Rider. Should you be diagnosed as terminally ill with the expectation of death within 12 months (24 months in Illinois), you will have the option to receive 92% (84% in Illinois) of the death benefit, minus a $150 ($100 in Florida) administrative fee. This valuable living benefit gives you peace of mind knowing that, should you need it, you can take the large majority of your death benefit while still alive. (Conditions apply.) (Form ICC07 ULABR 07 or Form Series ULABR 07)

During the last six months, has the proposed insured:

• Long Guarantees. Enjoy the assurance of a policy that has a guaranteed death benefit to age 121 and level premium that guarantees coverage for a significant period of time.

Voluntary permanent life insurance can be an ideal complement to the group term and optional term your employer might provide. Designed to be in force when you die, this voluntary universal life product is yours to keep, even when you change jobs or retire, as long as you pay the necessary premium. Group and voluntary term, on the other hand, typically are not portable if you change jobs and, even if you can keep them after you retire, usually cost more and decline in death benefit. The policy, purelife plus, is underwritten by Texas Life Insurance Company, and it has the following features:

Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd

1. Been actively at work on a full time basis, performing usual duties?

2. Been absent from work due to illness or medical treatment for a period of more than five consecutive working days?

3. Been disabled or received tests, treatment or care of any kind in a hospital or nursing home or received chemotherapy, hormonal therapy for cancer, radiation therapy, dialysis treatment, or treatment for alcohol or drug abuse?

Individual Life Insurance Texas Life EMPLOYEE BENEFITS

• High Death Benefit. With one of the highest death benefits available at the worksite,1 purelife plus gives your loved ones peace of mind.

ABOUT INDIVIDUAL LIFE

• Refund of Premium. Unique in the marketplace, purelife plus offers you a refund of 10 years’ premium, should you surrender the policy if the premium you pay when you buy the policy ever increases. (Conditions apply.)

You may apply for this permanent, portable coverage, not only for yourself, but also for your spouse, children and grandchildren by answering just 3 questions.

•

Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the out of pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance and helicopter, depending on the plan. full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd

• Emergent Ground Transportation In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.

ABOUT MEDICAL TRANSPORT

For

Emergency Medical Transport

MASA EMPLOYEE BENEFITS

A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. If a member has a high deductible health plan that is compatible with a health savings account, benefits will become available under the MASA membership for expenses incurred for medical care (as defined under Internal Revenue Code (“IRC”) section 213 (d)) once a member satisfies the applicable statutory minimum deductible under IRC section 223(c) for high deductible health plan coverage that is compatible with a health savings account.

Emergent Air Transportation In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical facilities.

Should you need assistance with a claim contact MASA at 800 643 9023. You can find full benefit details at benefit website.

• The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.

For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd

Spending Account (FSA)

and batteries You

• Medical

and

Eligible

• Prescription copays • Hearing

• You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self care.

Flexible

Higginbotham

Health Care FSA

A Spending Account allows you to pay for eligible healthcare expenses with a pre loaded debit card. You choose the amount to set aside from your paycheck every plan year, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a $500 rollover or grace period provision).

The Health Care FSA covers qualified medical, dental and vision expenses for you or your eligible dependents. You may contribute up to $2,850 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. expenses vision expenses deductibles coinsurance aids may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).

The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits (EOB). If you do not submit your receipts, you will receive a request for substantiation. You will have 60 days to submit your receipts after receiving the request for substantiation before your debit card is suspended. Check the expiration date on your card to see when you should order a replacement card(s).

Flexible

EMPLOYEE BENEFITS

The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full time. You can use the account to pay for day care or baby sitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent or you and your spouse must be employed outside the home, disabled or a full time student.

• Overnight camps are not eligible for reimbursement (only day camps can be considered).

ABOUT FSA

• If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13.

include: • Dental and

Things to Consider Regarding the Dependent Care FSA

Higginbotham Benefits Debit Card

Dependent Care FSA

Flexible

•

Over the Counter Item Rule Reminder

Health care reform legislation requires that certain over the counter (OTC) items require a prescription to qualify as an eligible Health Care FSA expense. You will only need to obtain a one time prescription for the current plan year. You can continue to purchase your regular prescription medications with your FSA debit card. However, the FSA debit card may not be used as payment for an OTC item, even when accompanied by a prescription. resources to help you manage your FSAs. other

• Access plan documents, letters and notices, forms, account balances, contributions and

•

Higginbotham Portal The Higginbotham Portal provides information and

plan information • Update your personal information • Utilize Section 125 tax calculators • Look up qualified expenses • Submit claims • Request a new or replacement Benefits Debit Card Register on the Higginbotham Portal Visit https://flexservices.higginbotham.net and click Register. Follow the instructions and scroll down to enter your information. • Enter your Employee ID, which is your Social Security number with no dashes or spaces. • Follow the prompts to navigate the site. • If you have any questions or concerns, contact Higginbotham:  Phone 866 419 3519  Email flexclaims@higginbotham.net  Fax 866 419 3516 32

Spending Account (FSA) Higginbotham EMPLOYEE BENEFITS Important FSA Rules •

The maximum per plan year you can contribute to a Health Care FSA is $2,850. The maximum per plan year you can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately. You cannot change your election during the year unless you experience a Qualifying Life Event. You can continue to file claims incurred during the plan year for another 90 days after August 31st Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses. The IRS has amended the “use it or lose it rule” to allow you to carry over up to $570 in your Health Care FSA into the next plan year. The carry over rule does not apply to your Dependent Care FSA.

ABOUT EAP An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd Employee Assistance Program (EAP) Deer Oaks EMPLOYEE BENEFITS Why I Need Employee Assistance Balancing work and life is difficult sometimes. Your EAP option covers trouble areas such as: • Substance abuse • Stress management • Financial problems For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd 33

Notes 34

NotesNotes 35

Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the Alamo Heights ISD Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.

Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the Alamo Heights ISD Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice.