PORT NECHES-GROVES ISD BENEFIT GUIDE EFFECTIVE: 09/01/2022 8/31/2023 WWW.MYBENEFITSHUB.COM/PORTNECHESGROVESISD 2022 - 2023 PlanYear 1
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 12-17 Health Savings Account (HSA) 18 Hospital Indemnity 19 Telehealth 20 Dental 21 Vision 22 Cancer 23-24 Disability 25-26 Life and AD&D 27 28 Individual Life 29 Identity Theft 30 Emergency Medical Transportation 31 Flexible Spending Account (FSA) 32-33 HOW TO ENROLLPG. 4 SUMMARYPAGESPG. 6 BENEFITSYOURPG. 12 2
Benefit Contact Information PORT NECHES GROVES ISD BENEFITS TRS ACTIVECARE MEDICAL HEALTH SAVINGS ACCOUNT (HSA) Financial Benefit Services (800) 583 portnechesgrovesisdwww.mybenefitshub.com/6908 (866)BCBSTX355 www.bcbstx.com/trsactivecare5999 (817)EECU 882 www.eecu.org0800 HOSPITAL INDEMNITY TELEHEALTH DENTAL Aetna (800) 872 www.aetna.com3862 MDLIVE (888) 365 www.mdlive.com/fbsbh1663 Cigna (800) 244 www.cigna.com6224 VISION CANCER DISABILITY Superior Vision (800) 507 www.superiorvision.com3800 American Public Life (800) 256 www.ampublic.com8606 (800)UNUM858 www.unum.com6843 LIFE AND AD&D INDIVIDUAL LIFE IDENTITY THEFT (800)Cigna244 www.cigna.com6224 5Star Life Insurance (866) 863 www.5starlifeinsurance.com9753 ID www.idwatchdog.com(800)Watchdog7743772 EMERGENCY TRANSPORTATIONMEDICAL FLEXIBLE SPENDING ACCOUNT (FSA) (800)MASA423 3226 www.masamts.com (866)Higginbotham4193519 https://flexservices.higginbotham.net 3
Employee benefits made easy through the FBS Benefits App! AllYour BenefitsOne App OR SCAN Text “FBS PNG” to (800) 583-6908 App Group #: FBSPNG Text “FBS PNG” 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/portnechesgrovesisd 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
Benefit Updates What’s New: Don’t Forget! • Login and complete your benefit enrollment from 07/05/2022 08/18/2022 • Enrollment assistance is available by calling Financial Benefit Services at (866) 914 5202. Hours: Monday Friday 8am 6pm. SUMMARY PAGESAnnual Benefit Enrollment NEW! FLEXIBLE ACCOUNT ADMINISTRATOR FSAs will now be administered by Higginbotham all employees who enroll will receive a new debit card. Employees are encouraged to use up current year funds prior to September 1st to ease the transition to Higginbotham. 6
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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.
Section 125 Cafeteria Plan Guidelines Benefit Enrollment CHANGES IN (CIS):STATUS QUALIFYING EVENTS
SUMMARY PAGESAnnual
Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.
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.
Affecting Coverage Eligibility
Change in Number of Tax Dependents
Marital Status
A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).
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.
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.
Judgment/Decree/Order
Eligibility for Government Programs
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
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.
Gain/Loss EligibilityDependents'ofStatus
New Hire Enrollment
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.
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. 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.
• 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.
• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.
Annual Enrollment
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.
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.
Where can I find forms?
For benefit summaries and claim forms, go to your benefit website: (i.e.,Clickwww.mybenefitshub.com/portnechesgrovesisdPortForHowsection.theneedportnechesgrovesisdwww.mybenefitshub.com/.Clickthebenefitplanyouinformationon(i.e.,Dental)andyoucanfindformsyouneedundertheBenefitsandFormscanIfindaNetworkProvider?benefitsummariesandclaimforms,gototheNechesGrovesISDbenefitwebsite:onthebenefitplanyouneedinformationonDental)andyoucanfindprovidersearchlinks under the Quick Links section. When will I receive ID cards?
• 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.
SUMMARY PAGESAnnual Benefit Enrollment 8
FSA/HSA Limitations: 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.
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.
Supplemental Benefits: Eligible employees must work 17.5 or more regularly scheduled hours each work Eligibleweek. 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.
Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.
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 eligibility.
SUMMARY PAGES
Enrollment 9
PLAN MAXIMUM AGE CARRIER Medical To age 26Aetna Dental To age 26Cigna Vision To age 26SuperiorVision Life To age 26Cigna Cancer To age 26PublicAmericanLife ProtectionFamilyPlan Issue to age 24, keep to age 121 5Star Telehealth To age 26MDLIVE IdentityProtectionTheft To age 26IDWatchdog
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 eligibility.
Disclaimer: 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.
Employee Eligibility Requirements
Dependent RequirementsEligibility 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.
Annual Benefit
SUMMARY PAGESHelpful Definitions 10
Calendar Year
September 1st through August 31st
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).
Actively at Work
Guaranteed Coverage
Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider. Out of Pocket Maximum
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.
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.
In Network
The most an eligible or insured person can pay in co insurance for covered expenses.
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 Enrollment
Pre Existing Conditions
Plan Year
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. 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. 18 FLIP TO FOR FSA INFORMATION PG. 32 11
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 www.mybenefitshub.com/portnechesgrovesisdwebsite: Medical Insurance TRS EMPLOYEE BENEFITS Monthly Premium District Contribution Employee Cost TRS ActiveCare HD Employee Only $429.00 $429.00 $0.00 Employee & Spouse $1,209.00 $429.00 $780.00 Employee & Child(ren) $772.00 $429.00 $343.00 Employee & Family $1,445.00 $429.00 $1,016.00 TRS ActiveCare Primary Employee Only $417.00 $417.00 $0.00 Employee & Spouse $1,176.00 $429.00 $747.00 Employee & Child(ren) $751.00 $429.00 $322.00 Employee & Family $1,405.00 $429.00 $976.00 TRS ActiveCare Primary+ Employee Only $527.00 $429.00 $98.00 Employee & Spouse $1,290.00 $429.00 $861.00 Employee & Child(ren) $849.00 $429.00 $420.00 Employee & Family $1,622.00 $429.00 $1,193.00 TRS ActiveCare 2 Employee Only $1,013.00 $429.00 $584.00 Employee & Spouse $2,402.00 $429.00 $1,973.00 Employee & Child(ren) $1,507.00 $429.00 $1,078.00 Employee & Family $2,841.00 $429.00 $2,412.00 12
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HSA
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
ABOUT
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.
• 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.
Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP). For full plan details, please visit your benefit www.mybenefitshub.com/portnechesgrovesisdwebsite:
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.
• Online/Mobile: Sign in for 24/7 account access to check your balance, pay bills and more.
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.
• 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.
• Not eligible to be claimed as a dependent on someone else’s tax return
• Stop by: a local EECU financial center for in person assistance; find EECU locations & service hours a www.eecu.org/locations.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• 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.
EECU EMPLOYEE BENEFITS
Opening an HSA
Important HSA Information
• Family (filing jointly) $7,300
• Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333 9934
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account
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.
Maximum Contributions 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:
• Individual $3,650
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• Not receiving Veterans Administration benefits
• Not enrolled in Medicare or TRICARE
How to Use your HSA
• Enrolled in an HSA eligible HDHP (TRS AC HD)
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.
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.
$100 $200
Maximum 30 days per plan year
Maximum 1 day per plan year
Employee and Spouse $38.91 $77.83 Employee and Child(ren) $28.40 $56.79 Employee and Family $45.47 $90.94
Employee Only $18.44 $36.89
Hospital Indemnity Aetna
$200 $400
Newborn routine care Provides a lump sum benefit after the birth of your newborn. This will not pay for an outpatient birth.
Maximum 30 days per plan year
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 www.mybenefitshub.com/portnechesgrovesisdwebsite:
$1,000 $2,000 Hospital stay Daily Pays a daily benefit, beginning on day two of your stay in a non ICU room of a hospital.
$100 $200 Substance abuse stay Daily Pays a daily benefit for each day you have a stay in a hospital or substance abuse treatment facility for the treatment of substance abuse. Maximum 30 days per plan year $100 $200 Mental disorder stay Daily Pays a daily benefit for each day you have a stay in a hospital or mental disorder treatment facility for the treatment of mental disorders. Maximum 30 days per plan year
Rehabilitation unit stay Daily Pays a benefit each day of your stay in a rehabilitation unit immediately after your hospital stay due to an illness or accidental injury. Maximum 30 days per plan year $50 $100 Hospital IndemnityPlan 2 Plan 4
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ABOUT HOSPITAL INDEMNITY
Important Note: All daily inpatient stay benefits begin on day two and count toward the plan year maximum.
EMPLOYEE BENEFITS
Hospital stay Admission Provides a lump sum benefit for the initial day of your stay in a hospital. Maximum 1 stay per plan year
$100 $200 Hospital stay (ICU) Daily Pays a daily benefit, beginning on day two of your stay in an ICU room of a hospital.
Covered Benefit Plan 2 Plan 4
$100 $200 Observation unit Provides a lump sum benefit for the initial day of your stay in an observation unit as the result of an illness or accidental injury.
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 www.mybenefitshub.com/portnechesgrovesisdwebsite: 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. Welcome to MDLIVE Behavioral Health! Managing stress or life changes can be overwhelming but it’s easier than ever to get help right in the comfort of your own home. Visit a counselor or psychiatrist by phone, secure video, or MDLIVE App. Talk to a licensed counselor or psychiatrist from your home, office, or on the go! 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 and Family $0.00 (Employer Paid) 20
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 www.mybenefitshub.com/portnechesgrovesisdwebsite: Dental Insurance Cigna 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 Cigna 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. Dental schedule of benefits Dental Low High Employee Only $0.00 $9.74 Employee and Spouse $16.80 $48.22 Employee and Child(ren) $23.48 $60.94 Employee and Family $46.64 $91.28 Plan Low High Plan Deductible Annually on a Plan 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 80% 80% 80% 80% Type 3 Major Services 50% 50% 50% 50% Type 4 Orthodontic Services for dependent children up to age 19 50% 50% Maximum Benefit (per covered person): Types 1, 2 & 3 combined $1,000 Per Plan Year $1,000 Per Plan Year $1,000 Per Plan Year $1,000 Per Plan Year Type 4, while covered by the plan Not Covered Not Covered $1,000 Lifetime $1,000 Lifetime 21
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 www.mybenefitshub.com/portnechesgrovesisdwebsite: Vision Insurance Superior Vision EMPLOYEE BENEFITS Vision Co Pays Services/Frequency Employee Only $10.72 Exam $10 Exam 12 Months Employee and Spouse $21.25 Materials1 $10 Frames 12 Months Employee and Child(ren) $20.82 Contact Lens Fitting $25 Contact Lens Fitting 12 Months Employee and Family $31.67 Lenses 12 Months Contact Lenses 12 Months Benefits In Network Out of Network Exam (Ophthalmologist) Covered In Full Up to $42 Exam (Optometrist) Covered In Full Up to $37 Frames $130 retail allowance Up to $68 Contact Lens Fitting (Standard2) Covered In Full Not Covered Contact Lens Fitting (Specialty2) $50 retail allowance Not Covered Lenses (Standard) Per Pair: Single Vision Covered In Full Up to $32 Bifocal Covered In Full Up to $46 Trifocal Covered In Full Up to $61 Progressive Covered at lined trifocal level Up to $61 Lenticular Covered In Full Up to $84 Factory Scratch Coat Covered In Full Not Covered Ultraviolet Coat Covered In Full Not Covered Polycarbonate children only Covered In Full Not Covered Contact Lenses3 $120 retail allowance Up to $100 Medically Necessary Contact Lenses Covered In Full Up to $210 22
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 www.mybenefitshub.com/portnechesgrovesisdwebsite: Cancer Insurance APL EMPLOYEE BENEFITS Benefits Option 1 Base Plan Option 2 Base Plan Cancer Screening Benefits Level 1 Level 1 Diagnostic Testing 1 test per Calendar Year $50 per test $50 per test Follow Up Diagnostic Testing 1 test per Calendar Year $100 per test $100 per test Medical Imaging 1 per Calendar Year $500 per test $500 per test Cancer Treatment Benefits Level 1 Level 4 Radiation Therapy, Chemotherapy or Immunotherapy Maximum per 12 month period $10,000 $20,000 Hormone Therapy Maximum of 12 treatments per Calendar Year $50 per treatment $50 per treatment Surgical Benefits Level 1 Level 1 Surgical $30 Unit Dollar Amount Maximum $3,000 per operation $30 Unit Dollar Amount Maximum $3,000 per operation Anesthesia 25% of amount paid for covered surgery 25% of amount paid for covered surgery Bone Marrow Transplant Maximum per lifetime $6,000 $6,000 Stem Cell Transplant Maximum per lifetime $600 $600 ProsthesisSurgical Implantation 1 device per site, per lifetime Non Surgical (not hair piece) 1 device per site, per lifetime $1,000$100 $1,000$100 Patient Care Benefits Level 1 Level 1 Hospital Confinement Per day of Hospital Confinement (1 30 days) Per day for Eligible Dependent children Per day of Hospital Confinement (31+ days) Per day for Eligible Dependent children $200$100$200$100 $200$100$200$100 Outpatient Facility Per day surgery is performed $200 $200 Attending Physician Per day of Hospital Confinement $30 $30 Dread Disease Per day of Hospital Confinement (1 30 days) Per day of Hospital Confinement (31+ days) $100$100 $100$100 Extended Care Facility Up to the same number of Hospital Confinement Days $100 per day $100 per day Donor $100 per day $100 per day Home Health Care Up to the same number of Hospital Confinement Days $100 per day $100 per day Cancer Employee Only Employee and Spouse Employee and Child(ren) Employee and Family Option 1 $20.64 $43.80 $26.70 $49.80 Option 2 $26.90 $56.62 $34.14 $63.86 Summary of Benefits 23
Physical, $25 per visit $1,000 $25 per $1,000
Diagnosis of Cancer
per Diagnosis of Cancer Drugs and Medicine OutpatientInpatient Maximum $150 per month
Actual coach fare or $.40 per mile $.40 per mile $50 per day
$200 per trip $2,000 per trip $200 per trip $2,000 per
Plasma and Platelets
as any other benefit AmbulanceGroundAir
the same
Actual coach fare or $.40 per mile $.40 per mile $50 per day Actual coach fare or $.40 per mile $.40 per mile $50 per day
Equipment Maximum of 1 benefit per Calendar Year
$150 per $50 $150
Experimental
trips per Hospital Confinement for all modes of transportation combined
per day
trip
Diagnosis of Cancer
Blood,
Confinement
Medical N/A N/A
Waiver of Premium Waive Premium Waive Premium 24
per Prescription
Treatment
per Diagnosis of Cancer
Paid in the same manner and under maximums
Occupational, Speech, Audio Therapy & Psychotherapy Maximum per Calendar Year
$300 per $300 $300 per $300
Actual coach fare or $.40 per mile $.40 per mile $50 per day
per day Outpatient Special Nursing Services Up
Special Nursing Services Per day of Hospital Confinement
per Confinement $50 per Prescription Hair Piece (Wig) 1 per lifetime $150 $150 TransportationTravelbybus, plane or train Travel by car Maximum of 12 trips per Calendar year for all modes of transportation combined Lodging up to a maximum of 100 days per Calendar Year FamilyTravelTransportationbybus,plane or train Travel by car Maximum of 12 trips per Calendar year for all modes of transportation combined Family Lodging up to a maximum of 100 days per Calendar Year
$300 per day $300
Cancer Insurance APL EMPLOYEE BENEFITS Benefits Option 1 Base Plan Option 2 Base Plan Patient Care Benefits Cont’d. Level 1 Level 1 Hospice Care Up to maximum of 365 days per lifetime $100 per day $100 per day US Government, Charity Hospital or HMO Per day of Hospital Confinement (1 30 days) Per day of Hospital Confinement (31+ days) $100$100 $100$100 Benefit InternalRidersCancer First Occurrence Benefit Rider Level 1 Level 2 Lump Sum MaximumBenefit1per Covered Person per lifetime $2,500 $2,500 Lump Sum for Eligible Dependent Children Maximum 1 per Covered Person per lifetime $3,750 $3,750 Heart Attack/Stroke First Occurrence Benefit Rider Level 1 Level 1 Lump Sum MaximumBenefit1per Covered Person per lifetime $2,500 $2,500 Miscellaneous Benefits Level 1 Level 1 Cancer Treatment Center Evaluation or Consultation 1 per lifetime N/A N/A Evaluation or Consultation Travel and Lodging 1 per lifetime N/A N/A Second and Third Surgical Opinion Second Surgical Opinion Third Surgical Opinion
same number of Hospital Confinement days
Maximum of 2
Inpatient $150 per day $150 to $150 per day $150
visit
per day
per $200 in benefit Elimination Period Plan 1 0/7 $9.02 14/14 $7.20 30/30 $5.40 60/60 $4.06 90/90 $3.52 180/180 $2.72 25
Benefits are subject to the pre existing condition exclusion referenced later in this document.
You may purchase a monthly benefit in $100 units, starting at a minimum of $200, up to 66 2/3% of your monthly earnings rounded to the nearest $100, but not to exceed a monthly maximum benefit of $7,500. Please see your Plan Administrator for the definition of monthly earnings.
Guarantee Issue Current Employees: Coverage is available to you without answering any medical questions or providing evidence of insurability. You may enroll on or before the enrollment deadline.
You are eligible for disability coverage if you are an active employee in the United States working a minimum of 17.5 hours per week. The date you are eligible for coverage is the later of: the plan effective date; or the day after you complete the waiting period.
The total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 100% of your monthly earnings unless the excess amount is payable as a Cost of Living Adjustment. However, if you are participating in Unum’s Rehabilitation and Return to Work Assistance program, the total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 110% of your monthly earnings (unless the excess amount is payable as a Cost of Living Adjustment).
Disability Insurance Your Plan
UNUM EMPLOYEE BENEFITS
Please see your Plan Administrator for your eligibility date.
Benefit Amount
New Hires: Coverage is available to you without answering any medical questions or providing evidence of insurability. You may apply for coverage within 60 days after your eligibility date. If you do not apply within 60 days after your eligibility date, you can apply only during an annual enrollment period.
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 www.mybenefitshub.com/portnechesgrovesisdwebsite:
Eligibility
Elimination Period
14/14, 30/30, 60/60,
Disability
The Elimination Period is the length of time of continuous disability, due to sickness or injury, which must be satisfied before you are eligible to receive benefits. You may choose an Elimination Period (injury/sickness) of 0/7, 90/90 or 180/180 days.
Elimination Period Cont’d. If, because of your disability, you are hospital confined as an inpatient, benefits begin on the first day of inpatient confinement. Inpatient means that you are confined to a hospital room due to your sickness or injury for 23 or more consecutive hours. (Applies to Elimination Periods of 30 days or less.)
Federal Income Taxation The taxability of benefits depends on how premium was taxed during the plan year in which you become disabled. If you paid 100% of the premium for the plan year with post tax dollars, your benefits will not be taxed. If premium for the plan year is paid with pre tax dollars, your benefits will be taxed. If premium for the plan year is paid partially with post tax dollars and partially with pre tax dollars, or if you and your Employer share in the cost, then a portion of your benefits will be taxed.
Less than age 60 To age 65, but not less than 5 years Age 60 through 64 5 years Age 65 through 69 To age 70, but not less than 1 year Age 70 and over 1 year
Disability Insurance UNUM EMPLOYEE BENEFITS
Plan: ADEA II: Your duration of benefits is based on the following table: Age at Disability Maximum Duration of Benefits
The payment will be $350 per month per dependent, to a maximum of $1,000 per month for all dependent care expensesOthercombined.Important Provisions
Pre existing Condition Exclusion
Benefits will not be paid for disabilities caused by, contributed to by, or resulting from a pre existing condition. You have a pre existing condition if: • you received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to your effective date of coverage; and • the disability begins in the first 12 months after your effective date of coverage.
Benefit Duration Your duration of benefits is based on your age when the disability occurs.
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Life and AD&D Cigna 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 www.mybenefitshub.com/portnechesgrovesisdwebsite: EMPLOYEE BENEFITS Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children or sending them off to college. No matter where you are in life, insurance should be part of your financial plan. By purchasing this insurance product through your employer, you benefit from: • Affordable group rates • Convenient payroll deduction • Access to knowledgeable service representatives. Who Is Eligible For Coverage? You If you are an active, full time employee and work 17.5 or more hours per week for your employer, you will be eligible to elect insurance for you and your dependents on the first of the month coinciding with or following the date of hire. Your Spouse Up to age 70 is eligible provided that you apply for and are approved for coverage for yourself. Your Unmarried, Dependent Children At least 14 days old and under age 26, as long as you apply for and are approved for coverage for yourself. One low premium will insure all your eligible children, regardless of the number of children you have. No one may be covered more than once under this plan. If covered as an employee, you can not also be covered as a dependent. Costs are subject to change. Voluntary Group Life per $10,000 in coverage Age Employee per $10,000 Spouse per $5,000 < 30 $0.660 $0.330 30 to 34 $0.770 $0.385 35 to 39 $0.990 $0.495 40 to 44 $1.430 $0.715 45 to 49 $2.400 $1.200 50 to 54 $4.150 $2.075 55 to 59 $6.450 $3.225 60 to 64 $10.040 $5.020 65 to 69 $18.020 $9.010 70 to 74 $32.43 75 to 79 $53.40 80 & over $74.69 Voluntary Group Life$10,000Child(ren)incoverage 0 26 $1.20 AD&D Employee Only $0.025 Employee and Family $0.045 The district provides all full time employees with $15,000 of Basic Life coverage. 27
You You may select from $10,000 to $500,000 of coverage in units of $10,000 at an affordable price.
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Life and AD&D Cigna EMPLOYEE BENEFITS When You Reach Age 65
Your Spouse You may select coverage for your spouse in units of $5,000 to a maximum of $100,000. The cost of coverage will be based on your spouse’s age. The guaranteed coverage amount for your spouse is $50,000.
Accidental Death and Dismemberment (AD&D)
You You can select life insurance coverage in units of $10,000. The maximum for any employee is the lesser of 7 times your annual salary or $500,000. The guaranteed coverage amount for you is $200,000.
If you and your dependents are eligible and you apply during the initial enrollment period, or within 31 days after you are eligible to elect coverage, you are entitled to choose any of the offered amounts of coverage up to the guaranteed coverage amount, as shown on your application, without having to provide evidence of good health.
Your Unmarried, Dependent Children You may select coverage for your unmarried, dependent children in units of $2,000 to a maximum of $10,000. The maximum benefit for children under six months is $500. The guaranteed coverage amount for your child (ren) is $10,000.
Guaranteed Coverage
How Much Coverage Can You Buy?
Your Family Your Spouse’s benefit amount will be 40% of yours or 50% if you have no dependent children, subject to a maximum benefit of $100,000. Each of your covered children’s benefit amount will be 10% of yours or 15% if you have no eligible spouse, subject to a maximum benefit of $10,000.
Each family member’s coverage is a percentage of the benefit amount you select. It will depend on who your insured family members are at the time of a covered accidental loss. You may need to request changes to your existing coverage if, in the future, you no longer have dependents who qualify for coverage. We will refund premium if you do not notify us of this and it is determined at the time of a claim that premium has been overpaid.
By the time you reach age 65, chances are that your children will be grown and your mortgage paid. At age 65, providing you are still employed, your coverage will decrease to 65% of the benefit amount. It will decrease to 50% at age 70.
If you apply for an amount of coverage for yourself or your spouse greater than the guaranteed coverage amount, coverage in excess of the guaranteed coverage amount will not be issued until the insurance company approves acceptable evidence of good health. If you apply for coverage for yourself or your spouse more than 31 days from the date you become eligible to elect coverage under this plan, the guaranteed coverage amounts will not apply. Coverage will not be issued until the insurance company approves acceptable evidence of good health.
QUALITY OF LIFE
Life Insurance 5Star EMPLOYEE BENEFITS
TERMINAL ILLNESS ACCELERATION OF BENEFITS 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). PORTABLE Coverage continues with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly.
ABOUT INDIVIDUAL LIFE 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 www.mybenefitshub.com/portnechesgrovesisdwebsite:
CONVENIENCE
PROTECTION TO COUNT ON
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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.
Individual
With several options to choose from, employees select the coverage that best meets the needs of their families.
CUSTOMIZABLE
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: • 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.
Easy payments through payroll deduction. FAMILY PROTECTION Coverage is available for spouses and financially dependent children, even if the employee doesn’t elect coverage on themselves. Financially dependent children 14 days to 23 years old.
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.
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 www.mybenefitshub.com/portnechesgrovesisdwebsite: Identity Theft ID Watchdog EMPLOYEE BENEFITS The Powerful Features You Want All at an Affordable Price UNIQUE FEATURES INCLUDED IN ALL ID WATCHDOG PLANS What You Need to Know The credit scores provided are based on the VantageScore® 3.0 model. For three bureau VantageScore credit scores, data from Equifax, Experian, and TransUnion are used respectively. Any one bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. Monitor & Detect • Dark Web Monitoring1 • High Risk Transactions Monitoring2 • Subprime Loan Monitoring2 • Public Records Monitoring • USPS Change of Address Monitoring • Identity Profile Report Manage & Alert • Child Credit Lock3 | 1 Bureau • Financial Accounts Monitoring • Social Network Alerts • Registered Sex Offender Reporting • Customizable Alert Options • Breach Alert Emails • Mobile App Support & Restore • Identity Theft Resolution Specialists (Resolution for Pre existing Conditions) • 24/7/365 U.S. based Customer Care Center • Lost Wallet Vault & Assistance • Deceased Family Member Fraud Remediation • Fraud Alert & Credit Freeze Assistance PLAN OPTIONS ID WATCHDOG® 1B ID WATCHDOG® PLATINUM Credit Report(s)4 & VantageScore Credit Score(s) 1 Bureau Monthly 1 Bureau Daily & 3 Bureau Annually Credit Score Tracker 1 Bureau Monthly 1 Bureau Daily Credit Report Monitoring5 1 Bureau 3 Bureau Credit Report Lock6 1 Bureau Multi Bureau Identity Theft Insurance7 Up to $1M Up to $1M 401K/HSA Stolen Funds Reimbursement7 Up to $500k SPECIAL EMPLOYEE PRICING PER MONTH ID WATCHDOG® 1B ID WATCHDOG® PLATINUM Employee (Includes 1 child <18) $7.95 $11.95 Employee + Family $14.95 $22.95 Helps better protect children 1 Bureau = Equifax® Multi Bureau = Equifax, TransUnion® 3 Bureau = Equifax, Experian®, TransUnion 30
ABOUT MEDICAL TRANSPORT 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. For full plan details, please visit your benefit www.mybenefitshub.com/portnechesgrovesisdwebsite:
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.
Emergency Medical Transport MASA EMPLOYEE BENEFITS
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.
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.
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. Repatriation/Recuperation 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 http://www.mybenefitshub.com/portnechesgrovesisdEmergencyTransportationEmployeeandFamily$14.00
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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 or grace period provision). For full plan details, please visit your benefit www.mybenefitshub.com/portnechesgrovesisdwebsite: Flexible Spending Account (FSA) Higginbotham EMPLOYEE BENEFITS Health Care FSA 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. Eligible expenses include: • Dental and vision expenses • Medical deductibles and coinsurance • Prescription copays • Hearing aids and batteries You 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). Limited Purpose Health Care FSA 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 to pay for eligible out of pocket dental and vision expenses only, such as: • 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 Limited Purpose FSAs Work You can access the funds in your Health Care or Limited Purpose FSA 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 The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care or Limited Purpose 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). 32
• 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 33
Over the Counter Item Rule Reminder
Higginbotham EMPLOYEE BENEFITS Important FSA
• 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.
• You cannot change your election during the year unless you experience a Qualifying Life Event.
• 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.
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. to you manage your FSAs.
Flexible Spending Account (FSA) Rules
Higginbotham Portal The Higginbotham Portal provides information and resources
• The maximum per plan year you can contribute to a Health Care or Limited Purpose 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.
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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 Port Neches Groves 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
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 Port Neches Groves 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/PORTNECHESGROVESISD
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