BARBERS HILL ISD BENEFIT GUIDE EFFECTIVE: 09/01/2022 8/31/2023 WWW.MYBENEFITSHUB.COM/BARBERSHILLISD 2022 - 2023 PlanYear 1 1
2 Table of Contents FLIP TO... How to Enroll 4-5 Annual Benefit Enrollment 6-11 1. Benefit Updates 6 2. Section 125 Cafeteria Plan Guidelines 7 3. Annual Enrollment 8 4. Eligibility Requirements 9 5. Helpful Definitions 10 6. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) 11 Medical 12-18 Health Savings Account (HSA) 19 Hospital Indemnity 20 Telehealth 21 Dental 22 Vision 23 Disability 24-25 Cancer 26 Accident 27-28 Critical Illness 29-30 Life and AD&D 31-32 Individual Life 33 Identity Theft 34 35 Flexible Spending Account (FSA) 36-37 Emergency Medical Transportation 38 HOW TO ENROLLPG. 4 SUMMARYPAGESPG. 6 BENEFITSYOURPG. 12 2 2
3 BARBERS HILL ISD BENEFITS TRS ACTIVECARE MEDICAL HEALTH SAVINGS ACCOUNT (HSA) Financial Benefit Services (800) 583 www.mybenefitshub.com/barbershillisd6908 (866)BCBSTX355 www.bcbstx.com/trsactivecare5999 (817)EECU 882 www.eecu.org0800 HOSPITAL INDEMNITY TELEHEALTH DENTAL UnitedHealthcare (866) 414 www.UHC.com1959 MDLIVE (888) 365 www.mdlive.com/fbsbh1663 Lincoln Financial Group (800) 423 www.lfg.com2765 VISION DISABILITY CANCER Superior Vision (800) 507 www.superiorvision.com3800 The www.thehartford.com(866)Hartford5479124 www.bbadmin.com(800)MetLife/BayBridge8457519 ACCIDENT CRITICAL ILLNESS LIFE AND AD&D The www.thehartford.com(866)Hartford5474205 (866)UNUM679 www.unum.com3054 Lincoln Financial Group (800) 423 www.lfg.com2765 INDIVIDUAL LIFE IDENTITY THEFT FLEXIBLE SPENDING ACCOUNT (FSA) 5Star Life Insurance (866) 863 www.5starlifeinsurance.com9753 (855)iLOCK360287 www.ilock360.com8888 https://flexservices.higginbotham.net/(866)Higginbotham4193519 EMERGENCY MEDICAL TRANSPORTATION MASA (800) 423 www.masamts.com3226 Benefit Contact Information 3
Employee benefits made easy through the FBS Benefits App! AllYour BenefitsOne App OR SCAN Text “FBS BHISD” to (800) 583-6908 App Group #: FBSBHISD Text “FBS BHISD” 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 4
1 www.mybenefitshub.com/barbershillisd How to Log In 2 CLICK LOGIN 3 ENTER USERNAME & PASSWORD Your Username Is: Your email in THEbenefitsHUB. (Typically your work email) Your Password Is: Four (4) digits of your birth year followed by the last four (4) digits of your Social Security Number If you have previously logged in, you will use the password that you created, NOT the password format listed above. 5 5
Lincoln Financial Group will now be the carrier for the district paid Basic Life and AD&D policy as well as the Voluntary Term Life and Voluntary AD&D. Lincoln is extending a guarantee issue offering to all existing employees addition to Cancer Plan
in
6 Benefit Updates What’s New: Don’t Forget! • Login and complete your benefit enrollment from 7/11/2022 8/12/2022 • Add dependents to the system please bring dependent Social Security numbers and date of birth. • Enrollment assistance is available by calling Financial Benefit Services at (866) 914 5202, Monday Friday 8am 6pm. • Update your profile information: home address, phone numbers, email, beneficiaries • REQUIRED: Provide correct dependent social security numbers SUMMARY PAGESAnnual Benefit Enrollment Starting September 1, all BHISD medical plan options will be through TRS ActiveCare. New Flex and Dependent Care Administrator These services will be moving to Higginbotham. All who enroll will receive a new debit card. Employees are encouraged to use up current funds prior to September 1st to ease the transition. New Life Insurance Carrier
new hires! New
The cancer plan is moving to a plan through MetLife that is administered through Bay Bridge. The plan is guarantee issue. Employees who have been enrolled in the Kemper cancer plan for at least 12 months will not be subject to pre existing condition exclusions.
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A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).
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 if the other individual actually provides the coverage.
(CIS):STATUS QUALIFYING
Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.
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.
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 31 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
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Change in Number of Tax Dependents
Section 125 Cafeteria Plan Guidelines SUMMARY PAGESAnnual Benefit Enrollment
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.
Marital Status
EligibilityDependents'ofStatus
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CHANGES IN EVENTS
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.
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.
Eligibility for Government Programs
Change in Status of Employment Affecting Coverage Eligibility
Judgment/Decree/Order
Where can I find forms?
SUMMARY PAGESAnnual Benefit Enrollment 8
8 Annual Enrollment
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.
All new hire enrollment elections must be completed in the online enrollment system within the first 31 days of benefit eligible employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
For benefit summaries and claim forms, go to the Barbers Hill ISD benefit www.mybenefitshub.com/barbershillisdwebsite:. 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?
New Hire Enrollment
• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.
• 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.
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.
For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/ barbershillisd. Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms
• 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.
Howsection.can I find a Network Provider?
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.
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.
Annual Benefit Enrollment
9 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 Medical To age 26 Dental To age 26 Vision To age 26 Life To age 26 AD&D To age 26 Individual Life To age 24 HealthAccountSavings To age 26 Critical Illness To age 26 Disability To age 26 IndemnityHospital To age 26 Telehealth To age 26 Emergency Transportation To age 26 Accident To age 26 Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.
Employee RequirementsEligibility
Supplemental Benefits: Eligible employees must work 15 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.
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.
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SUMMARY PAGES
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 Potentialguidance.Dependent
Dependent RequirementsEligibility
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.
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.
September
Guaranteed
Plan Year 1st through August 31st Pre Existing Conditions
Calendar Year
The most an eligible or insured person can pay in co insurance for covered expenses.
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
January 1st through December 31st Co-insurance 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
Actively at Work
After
10
In Network Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider. Out of Pocket Maximum
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.
Annual
SUMMARY PAGESHelpful Definitions 10
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 prescription 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).
11 SUMMARY PAGESHSA vs. FSA 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. However, your employer has a $500 rollover provision. Does the account earn interest? Yes No Portable? Yes, portable year to year and between jobs. No FLIP TO FOR HSA INFORMATION PG. 19 FLIP TO FOR FSA INFORMATION PG. 36 11
12 ABOUT MEDICAL Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis. For full plan details, please visit your benefit website: www.mybenefitshub.com/barbershillisd Medical Insurance TRS EMPLOYEE BENEFITS Monthly Premium District Contribution Employee Cost TRS ActiveCare HD Employee Only $407.00 $250.00 $157.00 Employee & Spouse $1,145.00 $250.00 $895.00 Employee & Child(ren) $731.00 $250.00 $481.00 Employee & Family $1,370.00 $250.00 $1,120.00 TRS ActiveCare 2 Employee Only $1,013.00 $250.00 $763.00 Employee & Spouse $2,402.00 $250.00 $2,152.00 Employee & Child(ren) $1,507.00 $250.00 $1,257.00 Employee & Family $2,841.00 $250.00 $2,591.00 TRS ActiveCare Primary Employee Only $395.00 $250.00 $145.00 Employee & Spouse $1,113.00 $250.00 $863.00 Employee & Child(ren) $709.00 $250.00 $459.00 Employee & Family $1,332.00 $250.00 $1,082.00 TRS ActiveCare Primary+ Employee Only $496.00 $250.00 $246.00 Employee & Spouse $1,212.00 $250.00 $962.00 Employee & Child(ren) $798.00 $250.00 $548.00 Employee & Family $1,523.00 $250.00 $1,273.00 12
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• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
•
Maximum Contributions
HSA Eligibility
Health Savings Account (HSA)
• Not eligible to be claimed as a dependent on someone else’s tax return
• 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.
• Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333 9934
For
www.mybenefitshub.com/barbershillisd
• Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account
you
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.
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.
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• Not enrolled in Medicare or TRICARE
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.
EECU EMPLOYEE BENEFITS
• Not receiving Veterans Administration benefits
•
• Stop by: a local EECU financial center for in person assistance; find EECU locations & service hours a www.eecu.org/locations
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.
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.
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:
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
19 ABOUT HSA
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 elect: Individual $3,650 Family (filing jointly) $7,300
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.
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.
• 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.
• Online/Mobile: Sign in for 24/7 account access to check your balance, pay bills and more.
How to Use your HSA
You are eligible to open and contribute to an HSA if you are: Enrolled in an HSA eligible HDHP (TRS AC HD)
•
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.
20 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/barbershillisd Hospital Indemnity UnitedHealthcare EMPLOYEE BENEFITS Hospital Indemnity Protection Plan is an insurance plan that pays cash directly to you. It can be used to help pay costs from a hospital stay and related treatment, health plan deductible and other out of pocket costs. AllEligibilityActive Full Time Employees working a minimum of 15 hours per week You must be Actively at Work with your employer on the day you apply for coverage and the date your coverage takes effect. Benefits Payable Voluntary Coverage Plan Design HIPP HSA Plan Coverage Level Base + Enhanced Pre existing Conditions Exclusion None Portability Included Base Plan Benefits Option 1 Option 2 Hospital Admission (1 day/plan year) $500 $1,000 Hospital Confinement (up to 364 days/plan year) $100 $150 ICU Confinement (up to 364 days/plan year) $100 $150 Base + Enhanced Plan Benefits Option 1 Option 2 Hospital Admission (1 day/plan year) $500 $1,000 Hospital Confinement (up to 364 days/plan year) $100 $150 ICU Confinement (up to 364 days/plan year) $100 $150 ICU Admission (1 day/plan year) $500 $1,000 Emergency Room (up to 4 days/plan year) $100 $100 Lodging (up to 30 days/plan year) $100 $150 Transportation (up to 30 days/plan year) $150 $200 Monthly Rates Base + Enhanced Plan Voluntary Option 1 Option 2 Employee Only $10.80 $18.80 With Spouse $19.69 $33.96 With Children $21.66 $37.00 With Spouse & Children $33.31 $56.79 20
21 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/barbershillisd 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/fbs • 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 and Family $10.00 21
22 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/barbershillisd Dental Insurance Lincoln Financial Group EMPLOYEE BENEFITS Dental Coverage Our dental plan helps you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Lincoln Financial Group DPPO Plan 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. Questions about your plan or claims? Call or email us. 800 423 2765 Monday Thursday, 8 a.m. 8 p.m. ET; Friday, 8 a.m. 6 p.m. ET Claims@LFG.com Dental schedule of benefits Plan Low Plan High Plan Deductible Annually on a Calendar Year Basis Contracted Dentist Non Contracted Dentist Contracted Dentist Non Contracted Dentist Individual $50 $50 $50 $50 Family $150 $150 $150 $150 Deductible applies to: Type 2 & 3 Type 2 & 3 Type 2 & 3 Type 2 & 3 Benefit Levels Type 1 Diagnostic & Preventative 100% 100% 100% 100% Type 2 Basic Services 70% 70% 80% 80% Type 3 Major Services 50% 50% 50% 50% Type 4 Orthodontic Services 50% 50% Benefits Based On Negotiated Fees 90th Percentile U&C Negotiated Fees 95th Percentile U&C Maximum Benefit (per covered person): Types 1, 2 & 3 combined $750 $750 $1,250 $1,250 Type 4, while covered by the plan Not Covered Not Covered $1,000 Lifetime $1,000 Lifetime DentalLow High DHMO Employee Only $24.17 $43.17 $11.57 Employee and Spouse $46.97 $72.04 $22.56 Employee and Child(ren) $49.23 $74.43 $24.41 Employee and Family $71.06 $108.22 $35.28 DHMO Plan • You choose your primary care dentist when you enroll. To find a participating dentist, visit http://ldc.lfg.com and select Find a Dentist. (You can also print your dental ID card from this site once your coverage begins.) • This dental plan offers a detailed list of covered procedures, each with a dollar copayment (see the Summary of Benefits on Benefits Portal for details). You pay for services provided during your visit. • Emergency care away from home is covered up to a set dollar limit. • You can change your primary care dentist at any time by calling the customer service number listed on your dental ID card. • Covers most preventive and diagnostic care services at no charge • Also covers a wide variety of specialty services lowering your out of pocket costs with no deductibles or maximums 22
23 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/barbershillisd Vision Insurance Superior Vision EMPLOYEE BENEFITS Vision plan benefits for Barber's Hill ISD You may choose from two plans: base plan, or buy up plan Benefits through Superior Select Southwest network Vision Base Plan Buy Up Plan Employee Only $7.13 $10.82 Employee and Spouse $12.11 $18.48 Employee and Child(ren) $12.83 $19.51 Employee and Family $19.24 $28.70 Base Plan Buy Up Plan Copays Exam $10 $10 Materials $25 $10 ExamServices/Frequency 12 months 12 months Frames 24 months 12 months Lenses 12 months 12 months Contact lenses 12 months 12 months Benefits In network Out of network In network Out of network Exam Covered in full Up to $35 Covered in full Up to $35 Frames $150 retail allowance Up to $70 $150 retail allowance Up to $70 Lenses (standard) per pair Single vision Covered in full Up to $25 Covered in full Up to $25 Bifocal Covered in full Up to $40 Covered in full Up to $40 Trifocal Covered in full Up to $45 Covered in full Up to $45 Progressives See description1 Up to $45 See description1 Up to $45 Polycarbonate Covered in full Up to $20 Covered in full Up to $20 Scratch resistant coating Covered in full Up to $25 Covered in full Up to $25 Ultraviolet coating Covered in full Up to $20 Covered in full Up to $20 Contact lenses2 $175 retail allowance Up to $80 $175 retail allowance Up to $80 Medically necessary contact lenses Covered in full Up to $150 Covered in full Up to $150 LASIK vision correction3 $200 allowance $200 allowance 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. The national LASIK network of laser vision correction providers, featuring LasikPlus, offers members special program pricing on services. The program pricing should be verified prior to service. 23
What is Educator Disability Income
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. may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $8,000 that cannot exceed 66 2/3% of your current monthly earnings. are defined in The Hartford’s contract with your employer. $100
FEATURES OF THE PLAN Benefit Amount You
Enrollment
You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.
Disability per
1 1
Actively at Work
in benefit Elimination Period Plan 1 7/7 $2.56 14/14 $2.18 30/30 $1.81 60/60 $1.28 90/90 $1.09 180/180 $0.80 24
Insurance?
The average worker faces a 1 in 3 chance of suffering a job loss lasting 90 days or more due to a disability2 2 Facts from LIMRA, 2016 Disability Insurance Awareness Month
Eligibility
Coverage?
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. your benefit
website: www.mybenefitshub.com/barbershillisd Disability Insurance The Hartford EMPLOYEE BENEFITS EDUCATOR DISABILITY INSURANCE OVERVIEW
More than half of all personal bankruptcies and mortgage foreclosures are a consequence of disability Facts from LIMRA, 2016 Disability Insurance Awareness Month
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. 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.
You
You can enroll in coverage within 31 days of your date of hire or during your annual enrollment period.
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.
Earnings
For full plan details, please visit
Why do I need Disability Insurance
24 ABOUT DISABILITY
ELIGIBILITY AND
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 income3 3 Federal Reserve, Report on the Economic Well Being of U.S. Households in 2018 ENROLLMENT
For those employees electing an elimination period of 30 days or less, if your are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization. Benefit the maximum time for which pay benefits for disability resulting from sickness or injury. Depending on the age at which disability occurs, the maximum duration may vary. see the applicable schedules below based on the Premium benefit option. For the Premium benefit option table below applies to disabilities resulting
the
Premium Option:
Pre Existing Condition Limitation
Please
we
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.
Period
PROVISIONS OF THE PLAN
Duration Benefit Duration is
25
Your 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.
Maximum
Disability Insurance The Hartford EMPLOYEE BENEFITS 25
Elimination
from sickness orAgeinjuryDisabled Maximum Benefit Duration Prior to 63 To Normal Retirement Age or 48 months if greater Age 63 To Normal Retirement Age or 42 months if greater Age 64 36 months Age 65 30 months Age 66 27 months Age 67 24 months Age 68 21 months Age 69 and older 18 months
7519, Monday Friday 8am to 5pm CST Base Policy + ICU Rider Coverage Tier Low Plan High Plan Employee $20.38 $32.02 Employee + Spouse $39.06 $61.58 Employee + Child(ren) $27.66 $45.60 Family $43.52 $69.92 Variable Benefit Elections Benefit Low Plan High Plan Hospital Confinement $100 per day $300 per day Surgical up to $1,500 up to $4,500 Radiation/Chemotherapy/ Immunotherapy $500 per day $2,500 per month First Diagnosis1 $2,500 $5,000 Colony Stimulating Factors $500 per month $500 per month Wellness2 $100 per year $100 per year Intensive Care Rider $325 per day $625 per day 26
Even if you have medical and disability insurance, you still may have expenses not covered by insurance. Disability income may only replace a portion of your pre disability income, and medical insurance can possibly leave you with some extra expenses, such as deductibles, co pays, or extra costs for out of network care or for alternative treatments. Following a verified cancer diagnosis,1 your first priority should be getting better not worrying about lost income or everyday living expenses.
When cancer affects your family, Cancer Insurance may support your needs when it matters most.
1
To learn more call Bay Bridge Administrators at
26 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/barbershillisd Cancer Insurance MetLife EMPLOYEE BENEFITS Why Cancer Insurance matters
Experts recommend that families have 3 6 months of living expenses set aside to help in an emergency.2 Many people aren’t prepared to handle extra costs, so having financial support when the time comes may mean less worry for you and your family.
While you can’t always prevent cancer, Cancer Insurance is there to help make life a little easier. 800 845
27 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/barbershillisd Accident Insurance The Hartford EMPLOYEE BENEFITS With Accident insurance, you’ll receive payment(s) associated with a covered injury and related services. You can use the payment in any way you choose from expenses not covered by your major medical plan to day to day costs of living such as the mortgage or your utility bills. COVERAGE INFORMATION You have a choice of two accident plans, which allows you the flexibility to enroll for the coverage that best meets your needs. This insurance provides benefits when injuries, medical treatment and/or services occur as the result of a covered accident. Unless otherwise noted, the benefit amounts payable under each plan are the same for you and your dependent(s). PLAN INFORMATION OPTION 1 OPTION 2 Coverage Type Off job only Off job only BENEFITS OPTION 1 OPTION 2 EMERGENCY, HOSPITAL & TREATMENT CARE Accident Follow Up Up to 3 visits per accident $50 $100 Acupuncture/Chiropractic Care/PT Up to 10 visits each per accident $25 $50 Ambulance Air Once per accident $600 $1,200 Ambulance Ground Once per accident $200 $400 Blood/Plasma/Platelets Once per accident $150 $300 Child Care Up to 30 days per accident while insured is confined $25 $30 Daily Hospital Confinement Up to 365 days per lifetime $100 $300 Daily ICU Confinement Up to 30 days per accident $300 $600 Diagnostic Exam Once per accident $100 $300 Emergency Dental Once per accident Up to $150 Up to $450 Emergency Room Once per accident $100 $200 Hospital Admission Once per accident $500 $1,500 Initial Physician Office Visit Once per accident $50 $100 Lodging Up to 30 nights per lifetime $100 $150 Medical Appliance Once per accident $50 $150 Rehabilitation Facility Up to 15 days per lifetime $50 $150 Transportation Up to 3 trips per accident $200 $500 Urgent Care Once per accident $50 $100 X ray Once per accident $50 $75 SPECIFIED INJURY & Abdominal/ThoracicSURGERYSurgery Once per accident $1,000 $2,000 Arthroscopic Surgery Once per accident $200 $400 Burn Once per accident Up to $5,000 Up to $15,000 AccidentOption 1 Option 2 Employee Only $5.00 $12.44 Employee and Spouse $7.87 $19.60 Employee and Child(ren) $8.34 $21.25 Employee and Family $13.14 $33.27 27
28 BENEFITS OPTION 1 OPTION 2 SPECIFIED INJURY & SURGERY CONT’D. Burn Skin Graft Once per accident for third degree burn(s) 25% of burn benefit 25% of burn benefit Concussion Up to 3 per year $100 $200 Dislocation Once per joint per lifetime Up to $2,000 Up to $8,000 Eye Injury Once per accident Up to $300 Up to $600 Fracture Once per bone per accident Up to $3,000 Up to $9,000 Hernia Repair Once per accident $100 $200 Joint Replacement Once per accident $1,500 $3,000 Knee Cartilage Once per accident Up to $500 Up to $1,000 Laceration Once per accident Up to $400 Up to $600 Ruptured Disc Once per accident $500 $1,000 Tendon/Ligament/Rotator Cuff Up to 2 per accident Up to $800 Up to $1,500 AccidentalCATASTROPHICDeath Within 90 days; Spouse @ 50% and child @ 25% $20,000 $50,000 Common Carrier Death Within 90 days; Spouse @ 50% and child @ 25% $60,000 $150,000 Coma Once per accident $5,000 $15,000 Dismemberment Once per accident Up to $20,000 Up to $50,000 Home Health Care Up to 30 days per accident $50 $50 Paralysis Once per accident Up to $5,000 Up to $15,000 Prosthesis Up to 2 per accident Up to $1,000 Up to $2,000 Accident Insurance The Hartford EMPLOYEE BENEFITS WHEN DOES THIS INSURANCE END? This insurance will end when you or your dependents no longer satisfy the applicable eligibility conditions, or when you reach the age of 80, premium is unpaid, you are no longer actively working, you leave your employer, or the coverage is no longer offered. CAN I KEEP THIS INSURANCE IF I LEAVE MY EMPLOYER OR AM NO LONGER A MEMBER OF THIS GROUP? Yes, you can take this coverage with you. Coverage may be continued for you and your dependent(s) under a group portability policy. Your spouse may also continue insurance in certain circumstances. The specific terms and qualifying events for portability are described in the certificate. 1“Sports Injury Statistics.” Stanford Children’s Health, n.d. Web. 30 June 2017. http://www.stanfordchildrens.org/en/topic/default?id=sports injury statistics 90 P02787 2 HealthChampionSM and Ability Assist® services are provided through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych 3Rates and/or benefits may be changed. Prepare. Protect. Prevail. With The Hartford. ® The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. 5962g NS 08/16 © 2016 The Hartford Financial Services Group, Inc. All rights reserved. This Benefit Highlights document explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this document and the policy, the terms of the policy apply. Benefits are subject to state availability. Policy terms and conditions vary by state. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Accident Form Series includes GBD 2000, GBD 2300, or state equivalent. LIMITATIONS & EXCLUSIONS This insurance coverage includes certain limitations and exclusions. The certificate details all provisions, limitations, and exclusions for this insurance coverage. A copy of the certificate can be obtained from your employer. For more on limitations and exclusions, please visit your benefit website: www.mybenefitshub.com/barbershillisd 28
29 ABOUT CRITICAL ILLNESS Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non medical costs related to the illness, including transportation, child care, etc. For full plan details, please visit your benefit website: www.mybenefitshub.com/barbershillisd Critical Illness Insurance UNUM EMPLOYEE BENEFITS Critical Illness Employee $10,000 $20,000 $30,000 <25 $2.94 $4.04 $5.14 25 29 $3.24 $4.64 $6.04 30 34 $3.64 $5.44 $7.24 35 39 $4.34 $6.84 $9.34 40 44 $5.24 $8.64 $12.04 45 49 $6.74 $11.64 $16.54 50 54 $8.64 $15.44 $22.24 55 59 $10.64 $19.44 $28.24 60 64 $14.74 $27.64 $40.54 65 69 $22.34 $42.84 $63.34 70 74 $40.14 $78.44 $116.74 75 79 $67.84 $133.84 $199.84 80 84 $115.94 $230.04 $344.14 85+ $211.14 $420.44 $629.74 Spouse rate is based on your Spouse’s insurance age Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness. Who is eligible for this coverage? All employees in active employment in the United States working at least 15 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status). What are the Critical Illness amounts?coverage The following coverage amounts are available. For you: Select one of the following Choice $10,000, $20,000 or $30,000 For your Spouse and Children: 100% of employee coverage amount Can I be coverage?denied Coverage is guarantee issue. When is effective?coverage Please see your Plan Administrator for your effective date of coverage. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. 29
Benign Brain Tumor Heart Attack (Myocardial Infarction)
Coronary Artery Disease (Major) Stroke Artery Disease (Minor) End Stage Renal (Kidney) Failure Are screeningswellnesscovered?
Each insured is eligible to receive one Be Well Benefit per calendar year. Be Well Benefit For you, your spouse and your children: $50 Be Well Screenings include tests for the following: cholesterol and diabetes, cancer and cardiovascular function. They also include imaging studies, immunizations and annual examinations by a Physician. See certificate for details.
Coronary Artery Disease (major) Coronary
Reoccurring Condition Benefit
30 What critical illness conditions are covered?
Covered of
Conditions* Percentage
Critical Illness Insurance UNUM EMPLOYEE BENEFITS
Coverage Amount Critical Illnesses
We will pay the reoccurring condition benefit for the diagnosis of the same covered condition if the covered condition benefit was previously paid and the new date of diagnosis is more than 180 days after the prior date of Thediagnosis.benefitamount for any reoccurring condition benefit is 100% of the percentage of coverage amount for that condition.
Coma Major Organ Failure Requiring Transplant
The covered condition benefit is payable once per covered condition per insured. Unum will pay a covered condition benefit for a different covered condition if: • the new covered condition is medically unrelated to the first covered condition; or • the dates of diagnosis are separated by more than 180 days.
Artery Disease (minor) End Stage Renal (Kidney) Failure Heart Attack (Myocardial Infarction) Major Organ Failure Requiring Transplant Stroke 100%100%100%100%10%50% Supplemental Critical Illnesses Benign Brain Tumor LossComaof Hearing Loss of Sight Loss of OccupationalInfectiousSpeechDiseaseHuman Immunodeficiency Virus (HIV) or Hepatitis Permanent Paralysis 100%100%100%100%100%100%100%25% Progressive AmyotrophicDiseasesLateral Sclerosis (ALS) Dementia (including Alzheimer’s Disease) Functional Loss Multiple Sclerosis (MS) Parkinson’s Disease 100%100%100%100%100% Additional Critical Illnesses for your Children Cerebral Palsy Cleft Lip or Palate Cystic Fibrosis Down Syndrome Spina Bifida 100%100% 100% 100%100% *Please refer to the policy for complete definitions of covered conditions. If the employee’s Critical Illness Coverage Amount is: The Be Well Benefit Amount for you, your spouse and your children is: $10,000 $50 $20,000 $50 $30,000 $50 30
The following Covered Conditions are eligible for a reoccurring condition benefit:
Covered Condition Benefit
Coronary
31 Life and AD&D Lincoln Financial Group ABOUT LIFE AND AD&D Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well being of your family. 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. For full plan details, please visit your benefit website: www.mybenefitshub.com/barbershillisd EMPLOYEE BENEFITS Voluntary Life Insurance • Provides a cash benefit to your loved ones in the event of your death • Features group rates for Barbers Hill ISD employees • To file a claim contact Lincoln Financial at (800) 423 2765 Voluntary Life Benefit Overview *For first time enrollments, employees age 70 & over, maximum coverage is $50,000. Voluntary Group Life per $1,000 in coverage Age Employee Spouse 0 20 $0.05 $0.05 20 24 $0.05 $0.05 25 29 $0.05 $0.05 30 34 $0.06 $0.06 35 39 $0.08 $0.08 40 44 $0.13 $0.13 45 49 $0.21 $0.21 50 54 $0.32 $0.32 55 59 $0.47 $0.47 60 64 $0.65 $0.65 65 69 $0.87 $0.87 70 100 $1.95 $1.95 Voluntary Group Life $1,000Child(ren)incoverage 0 26 $0.125 Accidental Death & Dismemberment Employee Rate Per $1,000 Family Rate Per $1,000 $0.021 $0.046 Basic Life $10,000 Provided by BHISD Voluntary Life Employee Benefits Coverage Amount Increments of $10,000. Not to exceed 7 times the employee's annual salary. Guarantee Issue Amount Evidence of Insurability will be required for Initial Insurance Amounts in excess of $250,000 and for insurance amounts that are increased after initial enrollment by more than 4 benefit increments. Minimum Coverage Amount $10,000 Maximum Coverage Amount* $500,000 Definition of Earnings Basic Annual Earnings Excluding Overtime Conversion Privilege Available when insurance terminates Accelerated Death Benefit (Living Benefit) Included Waiver of Premium (Extension of Death Benefit) Included Continuation of Coverage (Portability) Included 31
The benefit equals the amount of the dependent life insurance in effect on the date of such death. Upon receipt of satisfactory proof of a dependent’s death while insured under the policy, the death benefit will be paid to the Insured Person.
Spouse Only: Spouse
The voluntary AD&D product provides a cash benefit if the insured person dies in an accident or if they suffer a covered loss in an accident. Lincoln has designed this offering so that employers can provide a quality and affordable product to their employees while giving them peace of mind.
Voluntary AD&D benefit overview
Employee
Child(ren):
Evidence of Insurability will be required for Initial Insurance Amounts in excess of $50,000 and for insurance amounts that are increased after initial enrollment by more than 4 benefit increments.
Eligible employees may elect to insure his/her dependents. The amount of AD&D Insurance for Dependents is equal to a percentage of the employee’s AD&D Insurance, as follows:
32 Life and AD&D Lincoln Financial Group EMPLOYEE BENEFITS Voluntary Life Dependent Benefits Spouse Coverage Amount* Increments of $5,000. Not to exceed 100% of the employee's benefit amount. Spouse Minimum Coverage Amount $10,000 Spouse Maximum Coverage Amount $500,000 Guarantee Issue Amount
*Spouse coverage is only available if the employee is insured for voluntary coverage.
Employee, Spouse
Employee minimum coverage
Employee maximum
Employee and Child(ren): Child(ren) Coverage Amount Only 10% of the employee's amount of coverage Percent is based upon family make up at time of loss.
Voluntary AD&D benefits Employee coverage
Child(ren):
Employee
32
Voluntary AD&D insurance
Employee, Spouse
For Family AD&D Coverage, the Spouse Benefit will terminate upon the insured employee's attainment of age 70 or when the insured employee retires, whichever comes first.
Voluntary Life Employee & Spouse Reduction Schedule Age Reduction 70 50% Terminate upon the employee’s retirement. amount Increments of $10,000. amount $10,000 coverage amount $500,000 age reductions Reduce by 50% at age 70; Terminate at retirement and Spouse Coverage Amount 50% of the employee's amount of coverage and Child(ren) Coverage Amount 10% of the employee's amount of coverage and Coverage Amount Only 50% of the employee's amount of coverage Spouse age reductions Reduce by 50% at age 70; Terminate upon employment or retirement
Children Coverage Amount: Up to age 26 $10,000
CoveragePORTABLEcontinues
For
*themselves.Financially
Coverage that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL). with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly. through payroll deduction. for spouses and financially dependent children, even if the employee doesn’t elect coverage on dependent children 14 days to 23 years old.
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. full plan details, please visit your benefit website: www.mybenefitshub.com/barbershillisd
FAMILY CoveragePROTECTIONisavailable
• Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or
• Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.
The 5Star Life Insurance Company’s Family Protection Plan offers both Individual and Group products with Terminal Illness coverage to age 121, making it easy to provide the right benefit for you and your employees. choose from, employees select the coverage that best meets the needs of their families. ILLNESS ACCELERATION OF BENEFITS
EasyCONVENIENCEpayments
33 ABOUT INDIVIDUAL LIFE
TERMINAL
PROTECTION TO COUNT ON Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
WithCUSTOMIZABLEseveraloptions to
33
QUALITY OF LIFE Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following:
Individual Life Insurance 5Star Life Insurance Company EMPLOYEE BENEFITS
34 ABOUT IDENTITY THEFT PROTECTION Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered. For full plan details, please visit your benefit website: www.mybenefitshub.com/barbershillisd Identity Theft iLOCK360 EMPLOYEE BENEFITS Plan features Service description Essential Elite Identity theft resolution services Full Service Identity Restoration & Lost Wallet MOSTProtectionVALUABLE SERVICE. Dependable help that’s just a phone call away! If your identity is compromised, a U.S. based certified Identity Theft Restoration Specialist will work on your behalf to restore your good name, so that you can get on with your life. All restoration activities can be completed for you, and your case will be managed until your identity is fully restored. Even pre existing conditions can be dealt Restorationwith. Specialists offer robust case knowledge in both credit and non credit fraud situations and can help you with closing accounts, re ordering cards, placing a fraud alert with each of the three credit bureaus, and removing fraudulent activity from your credit report. ✓ ✓ ✓ ✓ $1M Identity Theft Insurance If you incur expenses associated with your identity theft recovery, you will be covered with $1M reimbursement ($0 deductible). Covered costs include: • Lost wages or income • Attorney and legal fees • Expenses incurred for refiling of loans, grants and other lines of credit • Costs of childcare and/or elderly care incurred as a result of identity restoration ✓ ✓ Comprehensive identity monitoring CyberAlert™️ Monitors: • one Social Security Number • one Drivers License Number • one Passport • two Phone Numbers • two Email Addresses • two Medical ID Numbers • five Credit/Debit Cards • five Bank Accounts We scour Internet properties, including the Dark Web, as well as hacker websites, blogs, bulletin boards, peer to peer sharing networks and chat rooms to identify the illegal trading and selling of your personal information. ✓ ✓ ✓ ✓ Identity TheftEssential Elite Employee $6.95 $11.95 Employee and Family $13.95 $22.95 Available protections for your identity 34
you
✓ Experian Positive Activity Notifications Alerts you when
✓ ✓ Social Security Number Trace Provides
risk. With Family
media presence. ✓ ✓ Solicitation Reduction Limit access to the amount of personal information that
your immediate area. You’ll also be
USPS
✓ ✓ Social Media Monitoring Receive notifications if
Credit Bureaus
birth ✓ Credit monitoring services Bank Account Takeover & Credit Card Application Monitoring
privacy or
Receive a monthly report that helps you understand how your credit score has trended over time and what is impacting it with credit score insight. you with access to your credit score and report reported by each credit bureau Experian, Equifax & TransUnion. These are reported once a year. positive activity is reported on Experian credit file, a key indicator that credit may be improving. Experian credit score increases or decreases by a certain amount, changes risk level/score rank, or reaches a target score value. awareness of where registered offenders live in notified when a new one moves to area. the content share on social media could pose a reputational coverage, can monitor your child’s social is public to reduce Also, out
you
thief
✓ ✓ Daily Monitoring of Experian Credit Provides
✓ Advanced tools Sex Offender Alerts Keep your family safe with
your
Alerts
Provides higher level credit protection with monitoring from all three credit bureaus: Experian, Equifax & TransUnion. You receive notifications for changes in your credit report such as loan data, inquiries, new accounts, judgments, liens and more.
✓ Experian Score Variance Alerts Receive alerts when your
Registry. ✓ ✓ Payday Loan Monitoring
fraud ✓ ✓ Court/Criminal Records Monitoring Tracks municipal
A may try to establish “ by changing alert if your mail is redirected in the National Change of Address (NCOA)
High interest, easy to obtain payday loans can negatively impact your credit score. you if a non credit loan was opened in your name at a payday/quick cash loan provider. you with a report of all names and/or aliases as well as current and reported addresses associated with your Social Security number. If there are findings that you don’t recognize, this could be a sign of possible identity theft.
sex
your exposure to fraud and declutter your mailbox and phone line.
✓ 3 Bureau Credit Score & Report Provides
your address. Receive an
your
of direct marketing campaigns including utilizing the National Do Not Call Registry. ✓ ✓ Identity Theft iLOCK360 EMPLOYEE BENEFITS ✓ adults ✓ children to age 18 35
Notifies you when your Social Security number and personal information have been used to apply for or open a new bank or credit card account; or if changes have been made to your existing bank account such as an attempt to add a new account holder. you with notifications for changes in a credit report such as loan data, inquiries, new accounts, judgments, liens and more. Monitoring of all 3
your
✓ ✓ Daily
✓ ✓ ✓ ✓ Medical ID Monitoring
35 Plan features Service description Essential Elite Comprehensive identity monitoring CONT’D. Change of Address Monitoring
If your Medical ID number is found compromised by CyberAlertTM, a Restoration Specialist can help you report it as court systems and notifies you if a crime has been committed under your name and date of
✓ ScoreTracker
your” new identity
opt
two different ways: • Use your Higginbotham Benefits Debit Card to pay for qualified expenses, doctor visits and prescription copays. • Pay out of pocket and submit your receipts for reimbursement: Fax 866 419 3516 Email flexclaims@higginbotham.net Online https://flexservices.higginbotham.net Higginbotham Benefits Debit Card
and you
your
to
36 ABOUT FSA A Flexible 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 (your plan contains a $500 rollover provision). For full plan details, please visit your benefit website: www.mybenefitshub.com/barbershillisd Flexible Spending Account (FSA) Higginbotham EMPLOYEE BENEFITS Health Care FSA
vision
plan
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).
you
year
You
covers qualified medical, dental and vision expenses for you
• You can continue to file claims incurred during
for substantiation before your debit card is suspended. Check the expiration date on your card
A Limited Purpose Health Care FSA is available if you enrolled in the HDHP medical plan and contribute to an HSA. You can use a Limited Purpose Health Care FSA pay for eligible out of pocket and expenses only, such as: Limited Limited Purpose FSA
The Higginbotham Benefits Debit Limited Purpose If after receiving the request to see when should order a maximum per plan year can contribute to a Health Care or Limited Purpose FSA is $2,850. The maximum per plan year can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately. the unless experience a Qualifying Life Event. the year for another xx days (up until date).
Card gives you immediate access to funds in your Health Care or
Limited
replacement card(s). Important FSA Rules • The
dental
Eligible expenses include: • Dental and vision expenses • Medical deductibles and coinsurance • Prescription copays • Hearing aids and batteries You may
The Health Care FSA or eligible dependents. may contribute up to $2,850 annually Care FSA are entitled to the full election from day one of your plan year. 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). Purpose Health Care
FSA
• You cannot change your election during
you
you
you
• Dental and orthodontia care (i.e., fillings, X rays and braces) • Vision care (e.g., eyeglasses, contact lenses and LASIK surgery) How the Health Care and
you do not submit your receipts, you will receive a request for substantiation. You will have 60 days to submit your receipts
Purpose FSAs Work You can access the funds in your Health Care or
to a Health
36
37 Flexible Spending Account (FSA) Higginbotham EMPLOYEE BENEFITS • Your Health Care or Limited Purpose 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. 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. Higginbotham Portal The Higginbotham Portal provides information and resources to help you manage your FSAs. • Access plan documents, letters and notices, forms, account balances, contributions and other 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 37
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:
Non Emergency Inter Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non emergency air or ground transportation between medical facilities.
For
MASA EMPLOYEE BENEFITS
Repatriation/Recuperation
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.
www.mybenefitshub.com/barbershillisdEmergencyTransportationEmployee+Family$14.00 38
Suppose you or a family member is hospitalized more than 100 miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for Shouldrecuperation.youneed assistance with a claim contact MASA at 800 643 9023. You can find full benefit details at
Emergency Medical Transport
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.
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.
38 ABOUT MEDICAL TRANSPORT
www.mybenefitshub.com/barbershillisd
39 Notes 39
40 40
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 Barbers Hill 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.
WWW.MYBENEFITSHUB.COM/BARBERSHILLISD
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 Barbers Hill 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.
2022 - 2023 PlanYear
