2022-23 Snyder ISD Benefit Guide

Benefit Contact Information

SNYDER ISD BENEFITS

Financial Benefit Services (800) 583 6908 www.mybenefitshub.com/snyderisd

HEALTH SAVINGS ACCOUNT

EECU (817) 882 0800 www.eecu.org/

TELEHEALTH

MDLIVE

Group #FBS (888) 365 1663 www.consultmdlive.com

DISABILITY

One America (855) 517 6365 www.oneamerica.com

TRS ACTIVECARE MEDICAL

BCBSTX (866) 355 5999 www.bcbstx.com/trsactivecare

TRS HMO MEDICAL

Scott & White HMO (844) 633 5325 www.trs.swhp.org

HOSPITAL INDEMNITY BASIC LIFE

The Hartford Group #VHI 888367 (800) 523 2233 www.TheHartford.com

DENTAL

Lincoln Financial Group Group #snyderisd (800) 423 2765 www.lfg.com

One America Group #618853 (800) 553 5318 www.oneamerica.com/

VISION

Superior Vision Group #38544 (800) 507 3800 www.superiorvision.com

VOLUNTARY LIFE INDIVIDUAL LIFE

One America Group #618853 (800) 553 5318 www.oneamerica.com/

EMERGENCY TRANSPORTATION CANCER

MASA

Group #MKSNYISD (800) 423 3226 www.masamts.com/

ACCIDENT

The Hartford Group #VAC 888367 (800) 523 2233 www.TheHartford.com

APL (800) 256 8606 www.ampublic.com

IDENTITY THEFT

ID Watchdog (800) 744 3772 www.IDWatchdog.com

5Star Group #2596 (866) 863 9753 www.5starlifeinsurance.com/

CRITICAL ILLNESS

UNUM

Group #474122 011 (800) 635 5597 www.unum.com

FLEXIBLE SPENDING ACCOUNT

Higginbotham (866) 419 3519 https://flexservices.higginbotham.net

Annual Benefit Enrollment

Benefit Updates What’s New:

NEW!!! CANCER PLAN with APL. This plan helps pay for those direct & indirect treatment costs so you can focus on your health on or after your diagnosis.

FSA is now with HIGG. Maximum contribution is $2,850 and are entitled to the full election from day one of your plan year.

Dependent FSA is also with HIGG. New Cards will be mailed.

Maximum Contribution is $5,000 when filing jointly or head of house and $2,500 when married filling separately.

HSA Maximum for Individual is $3,650 or Family $7,300.

You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use.

Important

Enrollment assistance is available by calling Financial Benefit Services at (866) 914 5202 to speak to a representative. Spanish speaking representatives are also available. Hours are Monday Friday 8:00 AM 6:00 PM.

Annual Open Enrollment Benefit elections will become effective 9/1/2022 (elections requiring evidence of insurability, such as life Insurance, may have a later effective date, if approved). After annual enrollment closes, benefit changes can only be made if you experience a qualifying event (and changes must be made within 30 days of event).

Annual Benefit Enrollment

Section 125 Cafeteria Plan Guidelines

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. 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.

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

CHANGES IN STATUS (CIS): QUALIFYING EVENTS

Marital Status

Change in Number of Tax Dependents

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

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.

Change in Status of Employment Affecting Coverage Eligibility

Gain/Loss of Dependents' Eligibility Status

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.

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.

Judgment/Decree/ Order

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.

Eligibility for Government Programs Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.

Annual Benefit Enrollment

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.

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

• 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.

• 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.

New Hire Enrollment

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

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: www.mybenefitshub.com/ snyderisd. Click the benefit plan you need information on (i.e., Dental) and you can find the forms you need under the Benefits and Forms section.

How can I find a Network Provider?

For benefit summaries and claim forms, go to the Snyder ISD benefit website: www.mybenefitshub.com/snyderisd. 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?

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.

Annual Benefit Enrollment

Employee Eligibility Requirements

Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week.

Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2022 benefits become effective on September 1, 2022, you must be actively at work on September 1, 2022 to be eligible for your new benefits.

Dependent Eligibility Requirements

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.

PLAN MAXIMUM AGE

Medical To age 26

Medical To age 26

Dental To age 26

Vision To age 26

Life To age 26

Cancer To age 25

Critical Illness To age 26

AD&D To age 25

Individual Life To age 26

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.

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.

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.

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.

Helpful Definitions

Actively at Work

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.

Annual Enrollment

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.

Calendar Year

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.

Guaranteed Coverage

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.

In Network

Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.

Out of Pocket Maximum

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

Plan Year

September 1st through August 31st

Pre Existing Conditions

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).

Minimum

Maximum

Permissible Use Of Funds

Cash Outs of Unused Amounts (if no medical expenses)

Year-to-year rollover of account balance?

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.

$1,400 single (2022) $2,800 family (2022) N/A

$3,650 single (2022) $7,300 family (2022) $2,850 (2022)

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).

Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65). Not permitted

Yes, will roll over to use for subsequent year’s health coverage.

No. Access to some funds may be extended if your employer’s plan contains a 2 1/2 month grace period or $500 rollover provision.

Does the account earn interest? Yes No

Portable?

Yes, portable year to year and between jobs. No

ABOUT MEDICAL

ABOUT 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. 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 website: www.mybenefitshub.com/snyderisd

Health Savings Account (HSA)

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.

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.

HSA Eligibility

You are eligible to open and contribute to an HSA if you are:

• Enrolled in an HSA eligible HDHP

• 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

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

• Not enrolled in Medicare or TRICARE

• Not receiving Veterans Administration benefits

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 Family (filing jointly) $7,300

You decide whether to use the money in your account to pay for

qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch up contribution for the entire plan year.

Opening an HSA

If you meet the eligibility requirements, you may open an HSA administered by EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.

Important HSA Information

• Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount.

• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.

• You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deduction and company contributions.

How to Use your HSA

• Online/Mobile: Sign in for 24/7 account access to check your balance, pay bills and more.

• Call/Text: (817) 882 0800. EECU’s dedicated member service representatives are available to assist you with any questions. Their hours of operation are Monday through Friday from 8:00 a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. 1:00 p.m. CT and closed on Sunday.

• Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333 9934

• Stop by: a local EECU financial center for in person assistance; find EECU locations & service hours a www.eecu.org/locations

The Hartford

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/snyderisd

GROUP VOLUNTARY HOSPITAL INDEMNITY INSURANCE BENEFIT HIGHLIGHTS

Snyder Independent School District Hospital Indemnity (HI) insurance pays a cash benefit if you or an insured dependent (spouse or child) are confined in a hospital for a covered illness or injury. Even with the best primary health insurance plan, out of pocket costs from a hospital stay can add up.

The benefits are paid in lump sum amounts to you, and can help offset expenses that primary health insurance doesn’t cover (like deductibles, co insurance amounts or co pays), or benefits can be used for any non medical expenses (like housing costs, groceries, car expenses, etc.).

To learn more about Hospital Indemnity insurance, visit www.mybenefitshub.com/snyderisd

Hospital Indemnity

The Hartford

ASKED & ANSWERED

IS

THIS COVERAGE HSA COMPATIBLE?

BENEFITS

If you (or any dependent(s)) currently participate in a Health Saving Account (HSA) or if you plan to do so in the future, you should be aware that the IRS limits the types of supplemental insurance you may have in addition to a HSA, while still maintaining the tax exempt status of the HSA.

SNYDER INDEPENDENT SCHOOL DISTRICT HOSPITAL INDEMNITY BHS

Both HSA compatible and non HSA compatible plans are available to you, as indicated in the Plan Information section. If you have or plan to open an HSA, please consult your tax and legal advisors to determine which supplemental benefits may be purchased by employees with an HSA.

WHO IS ELIGIBLE?

You are eligible for this insurance if you are an active full time employee who works at least 20 hours per week on a regularly scheduled basis. Your spouse and child(ren) are also eligible for coverage. Any child(ren) must be under age 26 (or under age 26 if a full time student).

AM I GUARANTEED COVERAGE?

This insurance is guaranteed issue coverage it is available without having to provide information about your or your family’s health. All you have to do is elect the coverage to become insured.

HOW MUCH DOES IT COST AND HOW DO I PAY FOR THIS INSURANCE?

Premiums are provided above. You have a choice of plan options. You may elect insurance for you only, or for you and your dependent(s), by choosing the applicable coverage tier. Premiums will be automatically paid through payroll deduction, as authorized by you during the enrollment process. This ensures you don’t have to worry about writing a check or missing a payment.

WHEN CAN I ENROLL?

You may enroll during any scheduled enrollment period, or or within 31 days of the date you have a change in family status.

WHEN DOES THIS INSURANCE BEGIN?

Insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage). You must be actively at work with your employer on the day your coverage takes effect. Your spouse and child(ren) must be performing normal activities and not be confined (at home or in a hospital/care facility).

WHEN DOES THIS INSURANCE END?

This insurance will end when you or your dependents no longer satisfy the applicable eligibility conditions, 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.

Basic Life Insurance One America

ABOUT LIFE AND AD&D (Employer paid)

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/snyderisd

What you need to know about your Basic Life and AD&D Benefits

Guaranteed Issue: Employee: $10,000

Accidental Death and Dismemberment (AD&D):

Additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. Additional AD&D benefits include seat belt, air bag, repatriation, child higher education, child care, paralysis/loss of use, severe burns, disappearance, and exposure.

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

Reductions: Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule. The amounts of dependent life insurance and dependent AD&D principal sum will reduce according to the employee's reduction schedule.

Age: 70

Basic Employee Life and AD&D Coverage

Reduces To: 50%

Your Life and AD&D insurance coverage amount is $10,000. Coverage is provided at no cost to you.

Telehealth MDLIVE

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/snyderisd

Telehealth

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.

Dental Insurance Lincoln Financial Group

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

Employer Paid Benefit for Employee Only Benefits At A Glance

With the Lincoln Dental Mobile App

• Find a network dentist near you in minutes

• Have an ID card on your phone

• Customize the app to get details of your plan

• Find out how much your plan covers for checkups and other services

• Keep track of your claims

The Lincoln DentalConnect® PPO Plan:

• Covers many preventive, basic, and major dental care services

• Also covers orthodontic treatment for children

• Features group coverage for Snyder Independent School District employees

• Allows you to choose any dentist you wish, though you can lower your out of pocket costs by selecting a contracting dentist

• Does not make you and your loved ones wait six months between routine cleanings

Dental

Employee Only $0.00

Employee and Spouse $40.40 Employee and Child(ren) $58.40 Employee and Family $89.40

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Waiting Period

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• 0 months for major services

• 0 months for orthodontic services

If you had dental coverage through Snyder Independent School District’s previous group plan for 12 months or more and enroll in this plan when it is first offered, your benefit waiting period for this plan will be reduced accordingly. This plan includes a waiting period if you do not enroll when it is first offered to you.

• 0 months for basic services

• 12 months for major services

• 12 months for orthodontic services

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• Routine cleanings

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• Periodontal maintenance procedures

• Non surgical periodontal therapy

• Periodontal surgery

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ABOUT VISION

Covered in full Covered in full $150 retail allowance Covered in full $50 retail allowance

Covered in full Covered in full Covered in full See description3

Covered in full Covered in full Covered in full Covered in full $200 retail allowance

Up to $42 retail

Up to $37 retail

Up to $60 retail Not covered Not covered

Up to $26 retail

Up to $34 retail

Up to $50 retail

to

3 Covered to provider’s in office standard retail lined trifocal amount; member pays difference between progressive and standard retail lined trifocal, plus applicable co pay.

4 Contact lenses are in lieu of eyeglass lenses and frames benefit

Vision Insurance Superior Vision

Discount features

Look for providers in the provider directory who accept discounts, as some do not; please verify their services and discounts (range from 10% 30%) prior to service as they vary.

Discounts on covered materials

Frames: 20% off amount over allowance

Lens options: 20% off retail

Progressives: 20% off amount over retail lined trifocal lens, including lens options

Specialty contact lens fit: 10% off retail, then apply allowance

Maximum member out of pocket

The following options have out of pocket maximums5 on standard (not premium, brand, or progressive) lenses.

Single vision Bifocal & trifocal

Anti reflective coat $50 $50

Polycarbonate $40 20% off retail

High index 1.6 $55 20% off retail

Photochromics $80 20% off retail

5 Discounts and maximums may vary by lens type. Please check with your provider.

The Plan discount features are not insurance.

Discounts on

non covered exam, services and materials

Exams, frames, and prescription lenses: 30% off retail

Lens options, contacts, miscellaneous options: 20% off retail

Disposable contact lenses: 10% off retail

Retinal imaging: $39 maximum out of pocket

Refractive surgery

To get an ID card log in to Superiorvison.com and register. You can also call 800.507.3800

Superior Vision has a nationwide network of independent refractive surgeons and partnerships with leading LASIK networks who offer members a discount. These discounts range from 10% 50%, and are the best possible discounts available to Superior Vision.

All allowances are retail; the member is responsible for paying the provider directly for all non covered items and/or any amount over the allowances, minus available discounts. These are not covered by the plan.

Discounts are subject to change without notice.

Disclaimer: All final determinations of benefits, administrative duties, and definitions are governed by the Certificate of Insurance for your vision plan. Please check with your Human Resources department if you have any questions.

Disability Insurance One America EMPLOYEE BENEFITS

ABOUT DISABILITY

Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.

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

Disability

What you need to know about your Educator Disability Benefits

Eligible Employees: This benefit is available for employees who are actively at work on the effective date and working a minimum of 20 hours per week.

Flexible Choices: Since everyone's needs are different, these plans offer flexibility for you to choose a benefit option that fits your income replacement needs and budget. You are able to enroll and/or change plans during each scheduled enrollment.

Guaranteed Issue: If you enroll timely, you may be eligible for coverage without having to answer any health questions. If you decline insurance coverage now and decide to enroll later, you may need to provide Evidence of Insurability.

Timely Enrollment: Enrolling timely means you have enrolled during the initial enrollment period when benefits were first offered by AUL, or as a newly hired employee within 31 days following completion of any applicable waiting period.

Portability: Should your coverage terminate, you may be eligible to take this disability insurance with you without providing Evidence of Insurability. You must apply within 31 days from the last day you are eligible.

Waiver of Premium: If approved, this benefit waives your Disability insurance premium in case you become disabled and are unable to collect a paycheck.

Elimination Period: This is a period of consecutive days of disability before benefits may become payable under the contract.

Total Disability: You are considered disabled if, because of injury or sickness, you cannot perform the material and substantial duties of your regular occupation, you are not working in any occupation and are under the regular attendance of a physician for that injury or sickness.

Partial Disability: You may be paid a partial disability benefit, if because of injury or sickness, you are unable to perform every material and substantial duty of your regular occupation on a full time basis, are performing at least one of the material and substantial duties of your regular occupation, or another occupation, on a full or part time basis, and are earning less than 80% of your pre disability earnings due to the same injury or sickness.

Residual: The elimination period can be satisfied by total disability, partial disability, or a combination of both.

Return to Work: You may be able to return to work for a specified time period without having your partial disability benefits reduced according to the contract. The Return to Work Benefit is offered up to a maximum of 24 months.

Integration: The method by which your benefit may be reduced by Other Income Benefits.

Offset: An offset is an amount that reduces your benefit amount by amounts you receive from other sources for your disability and will be specified in the contract.

Disability Insurance One America EMPLOYEE BENEFITS

Pre Existing Condition

Limitations:

The pre existing period is 3/12. Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage. A pre existing condition is any condition for which a person has received medical treatment or consultation, taken or were prescribed drugs or medicine, or received care or services, including diagnostic measures, within a time frame specified in the contract. You must also be treatment free for a time frame specified in some contracts following your individual effective date of coverage. A limited benefit will be paid if the Person’s Disability begins in the first 12 months following the Person’s Individual Effective Date of Insurance; and the Person’s Disability is caused by, contributed to by, or the result of a condition for which the Person received medical advice or treatment in the 3 months just prior to the Person’s Individual Effective Date of Insurance.

About Your Benefits: Educator Disability benefits are illustrated and paid on a monthly basis.

Group Educator Disability Plan A

You may select a minimum monthly benefit of $200 up to a maximum monthly benefit of $8,000, in increments of $100, not to exceed 60% of your monthly pre disability earnings.

Maximum Benefit Duration Pre Existing Condition Period

Accident: SSFRA / Sickness: SSFRA 3 months / 12 months

Voluntary Group Life Insurance One America

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/snyderisd

What you need to know about your Voluntary Term Life Benefits

BENEFITS

Flexible Options: Employee: $10,000 to $500,000, in $10,000 increments Spouse: $5,000 to$500,000, in $5,000 increments, not to exceed 100% of the employee 's amount

Guaranteed Issue: Employee: $200,000 Spouse: $50,000 Child: $10,000

Dependent Life Coverage: Optional dependent life coverage is available to eligible employees. You must select employee coverage in order to cover your spouse and/or child(ren).

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

Guaranteed Increase In Benefit: You may be eligible to increase your coverage annually until you reach your maximum amount without providing evidence of insurability.

Reductions: Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule. The amounts of dependent life insurance will reduce according to the employee's reduction schedule.

Age: 70 Reduces To: 50%

Voluntary Group Life Insurance One America

What you need to know about your Voluntary AD&D Benefits

Flexible AD&D Options:

Employee: $10,000 to$500,000, in $10,000 increments Spouse: $5,000 to$250,000, in $5,000 increments, not to exceed 50% of the employee's amount

AD&D Guaranteed Issue: Employee: $500,000 Spouse: $250,000 Child: $10,000

Dependent AD&D Coverage:

Accidental Death and Dismemberment (AD&D):

Optional dependent AD&D coverage is available to eligible employees. You must select employee coverage in order to cover your spouse and/or child(ren).

If AD&D is selected, additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. Additional AD&D benefits include seat belt, air bag, repatriation, child higher education, child care, paralysis/loss of use, severe burns, disappearance, and exposure.

Guaranteed Increase In Benefit: You may be eligible to increase your coverage annually until you reach your maximum amount without providing evidence of insurability.

Reductions:

Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule. The amounts of dependent life insurance and dependent AD&D principal sum will reduce according to the employee's reduction schedule.

Payroll Deduction Illustration: Monthly Employee Options

AD&D Employee Only AD&D Employee Only

$10,000 $0.30 $260,000 $7.80

$20,000 $0.60 $270,000 $8.10

$30,000 $0.90 $280,000 $8.40

$40,000 $1.20 $290,000 $8.70

$50,000 $1.50 $300,000 $9.00

$60,000 $1.80 $310,000 $9.30

$70,000 $2.10 $320,000 $9.60

$80,000 $2.40 $330,000 $9.90

$90,000 $2.70 $340,000 $10.20

$100,000 $3.00 $350,000 $10.50

$110,000 $3.30 $360,000 $10.80

$120,000 $3.60 $370,000 $11.10

$130,000 $3.90 $380,000 $11.40

$140,000 $4.20 $390,000 $11.70

$150,000 $4.50 $400,000 $12.00

$160,000 $4.80 $410,000 $12.30

$170,000 $5.10 $420,000 $12.60

$180,000 $5.40 $430,000 $12.90

$190,000 $5.70 $440,000 $13.20

$200,000 $6.00 $450,000 $13.50

$210,000 $6.30 $460,000 $13.80

$220,000 $6.60 $470,000 $14.10

$230,000 $6.90 $480,000 $14.40

$240,000 $7.20 $490,000 $14.70

$250,000 $7.50 $500,000 $15.00

Age: 70 Reduces To: 50%

Individual Life Insurance 5Star EMPLOYEE BENEFITS

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 website: www.mybenefitshub.com/snyderisd

Individual Life and Accidental Death and Dismemberment

Enhanced coverage options for employees. Easy and flexible enrollment for employers. 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.

CUSTOMIZABLE With several options to choose from, employees select the coverage that best meets the needs of their families.

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. CONVENIENCE 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.

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.

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: • 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.

Find full details and rates at http://www.mybenefitshub.com/snyderisd/

Should you need to file a claim, contact 5Star directly at (866) 863 9753.

*Quality of Life not available ages 66 70. Quality of Life benefits not available for children

Child life coverage available only on children and grandchildren of employee (age on application date: 14 days through 23 years). $7.15 monthly for $10,000 coverage per child.

Emergency Medical Transport MASA

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 website: www.mybenefitshub.com/snyderisd

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

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

Should you need assistance with a claim contact MASA at 800 643 9023. You can find full benefit details at www.mybenefitshub.com/snyderisd

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/snyderisd

Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non medical expenses, such as out of town treatments, special diets, daily living, and household upkeep. In addition to these non medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance through American Public Life helps pay for these direct and indirect treatment costs so you can focus on your health. Should you need to file a claim contact APL at 800 256 8606 or online at www.ampublic.com.

You can find additional claim forms and materials at http://www.mybenefitshub.com/snyderisd/2022 2023/Benefit/APL/GroupCancer

Critical Illness Insurance UNUM EMPLOYEE BENEFITS

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/snyderisd

Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness.

To file a claim call UNUM at 800 858 6843 or find claim form at www.mybenefitshub.com/snyderisd

Employee and Spouse

Critical Illness

$10,000.00 $20,000.00 $30,000.00

Less than Age 25 $2.96 $4.06 $5.16 25 29 $3.36 $4.86 $6.36 30 34 $3.76 $5.66 $7.56 35 39 $4.56 $7.26 $9.96 40 44 $5.56 $9.26 $12.96 45 49 $7.16 $12.46 $17.76 50 54 $9.16 $16.46 $23.76 55 59 $11.36 $20.86 $30.36 60 64 $15.76 $29.66 $43.56 65 69 $23.96 $46.06 $68.16 70 74 $42.56 $83.26 $123.96 75 79 $71.56 $141.26 $210.96 80 84 $121.66 $241.46 $361.26 85 or over $221.36 $440.86 $660.36 Spouse and Childern 100% of EE coverage

Who is eligible for this coverage?

The following coverage amounts are available.

All employees in active employment in the United States working at least 20 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status). What are the Critical Illness coverage amounts?

For you: Select one of the following Choice $10,000, $20,000 or $30,000

For your Spouse& children: 100% of employee coverage amount Can I be denied coverage?

What critical illness conditions are covered?

Coverage is guarantee issue.

Covered Conditions*

Critical Illnesses

Percentage of Coverage Amount

Coronary Artery Disease (major) 50%

Coronary Artery Disease (minor) 10%

End Stage Renal (Kidney) Failure 100%

Heart Attack (Myocardial Infarction) 100%

Major Organ Failure Requiring Transplant 100%

Stroke 100%

Critical Illness Insurance UNUM EMPLOYEE BENEFITS

What critical illness conditions are covered?

Covered Conditions*

Supplemental Critical Illnesses

Percentage of Coverage Amount

Benign Brain Tumor 100%

Coma 100%

Loss of Hearing 100%

Loss of Sight 100%

Loss of Speech 100%

Infectious Disease 25%

Occupational Human Immunodeficiency Virus (HIV) or Hepatitis 100%

Permanent Paralysis 100%

Progressive Diseases

Amyotrophic Lateral Sclerosis (ALS) 100%

Dementia (including Alzheimer’s Disease) 100%

Functional Loss 100%

Multiple Sclerosis (MS) 100%

Parkinson’s Disease 100%

Additional Critical Illnesses for your Children

Cerebral Palsy 100%

Cleft Lip or Palate 100%

Cystic Fibrosis 100% Down Syndrome 100%

Spina Bifida 100%

*Please refer to the policy for complete definitions of covered conditions.

Covered Condition Benefit

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.

Reoccurring Condition Benefit

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 diagnosis. The benefit amount for any reoccurring condition benefit is 100% of the percentage of coverage amount for that condition. The following Covered Conditions are eligible for a reoccurring condition benefit: Benign Brain Tumor Heart Attack (Myocardial Infarction) Coma Major Organ Failure Requiring Transplant Coronary Artery Disease (Major) Stroke Coronary Artery Disease (Minor) End Stage Renal (Kidney)

Failure

Pre existing Conditions

We will not pay benefits for a claim when the covered loss occurs in the first 12 months following an insured’s coverage effective date and the covered loss is caused by, contributed to by, or occurs because of any of the following:

• a pre existing condition; or

• complications arising from treatment or surgery for, or medications taken for, a pre existing condition.

An insured has a pre existing condition if, within the 3 months just prior to their coverage effective date, they have an injury or sickness, whether diagnosed or not, for which:

• medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period;

• drugs or medications were taken, or prescribed to be taken during that period; or

• symptoms existed.

The pre existing condition provision applies to any Insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date any initial coverage or increases in coverage become effective.

Accident

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/snyderisd

Accident Follow Up

Acupuncture/Chiropractic Care/PT

Ambulance Air

Ambulance Ground

Blood/Plasma/Platelets

Child Care

Daily Hospital Confinement

Daily ICU Confinement

Diagnostic Exam

Emergency Dental

Emergency Room

Hospital Admission

Initial Physician Office Visit

Lodging

Medical Appliance

Rehabilitation Facility

Transportation

Urgent Care

X ray

Up to 3 visits per accident

$50 $100

Up to 10 visits each per accident $25 $50

Once per accident $600 $1,200

Once per accident $200 $400

Once per accident $150 $300

Up to 30 days per accident while insured is confined $25 $30

Up to 365 days per lifetime $100 $300

Up to 30 days per accident $300 $600

Once per accident $100 $300

Once per accident

Up to $150 Up to $450

Once per accident $100 $200

Once per accident $500 $1,500

Once per accident $50 $100

Up to 30 nights per lifetime $100 $150

Once per accident $50 $150

Up to 15 days per lifetime $50 $150

Up to 3 trips per accident $200 $500

Once per accident $50 $100

Once per accident $50 $75

Accident Insurance

The Hartford

SPECIFIED INJURY & SURGERY

BENEFITS

Low

Plan High Plan

$1,000 $2,000 Arthroscopic Surgery $200 $400

Abdominal/Thoracic Surgery

Burn Up to $5,000 Up to $15,000

Burn Skin Graft 25% of burn benefit 25% of burn benefit Fracture Up to $3,000 Up to $9,000 Hernia Repair $100 $200 Joint Replacement $1,500 $3,000

Knee Cartilage Up to $500 Up to $1,000 Laceration Up to $400 Up to $600

Ruptured Disc $500 $1,000 Tendon/Ligament/Rotator Cuff Up to $800 Up to $1,500

CATASTROPHIC

Accidental Death

Low Plan High Plan

Within 90 days; Spouse @ 50% and child @ 25% $20,000 $50,000

Within 90 days; Spouse @ 50% and child @ 25% $60,000 $150,000 Coma Once per accident $5,000 $15,000

Common Carrier Death

Dismemberment

Once per accident

Up to $20,000 Up to $50,000

Up to 30 days per accident $50 $50 Paralysis

Home Health Care

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 FEATURES

ASKED & ANSWERED

WHO IS ELIGIBLE?

You are eligible for this insurance if you are an active full time employee who works at least 20 hours per week on a regularly scheduled basis, and are less than age 80.

Your spouse and child(ren) are also eligible for coverage. Any child(ren) must be under age 26 (or under age 26 if a full time student).

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.

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 the benefits portal www.mybenefitshub.com/snyderisd

Flexible Spending Account (FSA)

Higginbotham

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 (unless your plan contains a $500 rollover or grace period provision).

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

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

Flexible

Spending Accounts (FSA) Individual

• 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).

Higginbotham Benefits Debit Card

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

Dependent Care FSA

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

Things to Consider Regarding the Dependent Care FSA

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

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

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

Flexible Spending Account (FSA)

Higginbotham

Important FSA Rules

BENEFITS

• The maximum per plan year you can contribute to a Health Care FSA is $2,850. The maximum per plan year you can contribute to a Dependent Care FSA is $5,000 when filing jointly or head of household and $2,500 when married filing separately.

• You cannot change your election during the year unless you experience a Qualifying Life Event.

• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.

• The IRS has amended the “use it or lose it rule” to allow you to carry over up to $570 in your Health Care FSA into the next plan year. The carry over rule does not apply to your Dependent Care FSA.

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

FSAstore.com offers thousands of FSA eligible products and services to purchase using your Higginbotham Benefits Debit Card or any major credit card. Competitive pricing and free shipping on orders over $50 can save you up to 40% using your FSA pretax dollars. Shop directly at FSAstore.com or have your physician submit prescriptions (when required). The FSAstore.com Services Channel allows you to search a database of more than 300,000 health care providers for nearby eligible services, such as acupuncture and chiropractic care. The FSAstore.com Learning Center focuses on answering common questions and keeping you informed about changes to your FSA benefits.

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 Snyder 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.

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 Snyder 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.