2022-23 Tyler ISD Benefit Guide by Higginbotham Public Sector

TYLER ISD BENEFIT GUIDE EFFECTIVE: 10/01/2022 09/30/2023 WWW.MYBENEFITSHUB.COM/TYLERISD 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 12-13 Health Savings Account (HSA) 14 Flexible Spending Account (FSA) 15 16 Hospital Indemnity 17 18 Emergency Medical Transportation 19 Telehealth 20 Dental 21 Vision 22 Disability 23-24 Cancer 25 Accident 26 27 Critical Illness 28 29 Life and AD&D 30 31 Identity Theft 32 Employee Assistance Program (EAP) 33 HOW TO ENROLLPG. 4 SUMMARYPAGESPG. 6 BENEFITSYOURPG. 12 2

Benefit Contact Information TYLER ISD BENEFITS BENEFIT REPRESENTATIVE BENEFIT REPRESENTATIVE Financial Benefit Services (800) 583 www.mybenefitshub.com/tylerisd6908 Makenzie Fontenot (214) 490 MakenzieF@fbsbenefits.com7668 John JohnL@fbsbenefits.com(972)Ledebur9774722 MEDICAL HEALTH SAVINGS ACCOUNT (HSA) FLEXIBLE SPENDING ACCOUNT (FSA) Tyler ISD Gina Mahaffey, Benefits Facilitator (903) 262 1081 (800)EECU 333 www.eecu.org9934 National Benefit Services (800) 274 www.nbsbenefits.com0503 HOSPITIAL INDEMNITY EMERGENCY MEDICAL TRANSPORT TELEHEALTH (800)Cigna244 www.mycigna.com6224 (800)MASA423 www.masamts.com3226 (888)MDLIVE365 www.mdlive.com/fbsbh1663 DENTAL VISION DISABILITY (800)MetLife638 www.metlife.com5433 (800)MetLife638 www.metlife.com5433 GroupCigna #SLH 100002 (800) 244 www.cigna.com6224 CANCER ACCIDENT CRITICAL ILLNESS American Public Life (800) 256 www.ampublic.com8606 GroupCigna #AI960493 (800) 244 www.cigna.com6224 GroupCigna #CI960493 (800) 244 www.cigna.com6224 LIFE AND AD&D IDENTITY THEFT EMPLOYEE ASSSISTANCE PROGRAM (EAP) Lincoln Financial Group (800) 423 2765 www.lfg.com Identity Guard (855) 443 7748 www.identityguard.com Lincoln Financial Group (800) 423 2765 www.lfg.com 3

Employee benefits made easy through the FBS Benefits App! AllYour BenefitsOne App OR SCAN Text “FBS TYLER” to (800) 583-6908 App Group #: FBSTYLER Text “FBS TYLER” 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/tylerisd How to Log In 2 CLICK LOGIN 3 ENTER USERNAME & PASSWORD Please use your district network login credentials to begin your insurance enrollment. 5

Benefit Updates What’s New: Don’t Forget! • Login and complete your benefit enrollment from 8/15/2022 09/05/2022 • Enrollment assistance is available by calling Financial Benefit Services at (866) 914 5202. • Update your information: home address, phone numbers, email, and beneficiaries. • REQUIRED!! Due to the Affordable Care Act (ACA) reporting requirements, you must add your dependent’s CORRECT social security numbers in the online enrollment system. If you have questions, please contact your Benefits Administrator. SUMMARY PAGESAnnual Benefit Enrollment • No increase to Medical Premiums. (Slight Increase to Plan Deductibles and Out of Pocket Maximums) • MetLife New Dental Carrier with Enhanced Coverage and Lower Premiums • MetLife New Vision Carrier with Enhanced Coverage and Lower Premiums • Lincoln Financial New Life Carrier with Guarantee Issue Open Enrollment (Slight Increase to Premiums) • Cigna Accident Plan Enhanced Coverage • EECU New HSA Bank Account Provider 6

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.

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.

SUMMARY PAGESAnnual

Change in Status of Employment

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.

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

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

Judgment/Decree/Order

Eligibility for Government Programs

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

Affecting Coverage Eligibility

Gain/Loss EligibilityDependents'ofStatus

Marital Status

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

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

Change in Number of Tax Dependents

Where can I find forms?

Enrollment 8

• 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.

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/tylerisd

New Hire Enrollment

For supplemental benefit questions, you can contact your Benefits/HR department or you can call Financial Benefit Services at 866 914 5202 for assistance.

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

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, but there are no changes to the plan, you typically will not receive a new ID card each year. Benefit

Q&A Who do I contact with Questions?

SUMMARY PAGESAnnual

• 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.

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.

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.

Annual Enrollment

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

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 Tyler ISD benefit www.mybenefitshub.com/tylerisdwebsite:.

Disclaimer:eligibility. 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

Employee RequirementsEligibility

Supplemental Benefits: Eligible employees must work 15 or more regularly scheduled hours each work week.

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.

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.

Dependent RequirementsEligibility

Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse FSA/HSAeligibility.Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse's FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further Potentialguidance.Dependent 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

Annual Benefit

Enrollment 9

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 October 1, 2022, you must be actively at work on October 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.

PLAN MAXIMUM AGE Medical To age 26 Telehealth To age 26 Dental To age 26 Vision To age 26 Cancer To age 26 Accident To age 26 Critical Illness To age 26 Voluntary Life To age 26 TransportMedical To age 26 Hospital Indemnity To age 26 IdentityMonitoringTheft To age 26

SUMMARY PAGES

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.

Pre Existing Conditions

Calendar Year

October 1st through September 30th

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 10/1/2022 please notify your benefits administrator.

Actively at Work

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

Plan Year

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

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

Guaranteed Coverage

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

Annual Enrollment

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).

SUMMARY PAGESHelpful Definitions 10

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 employees’ names that allow employees to save and pay for unreimbursed qualified medical expenses tax free. Allows employees to pay out of pocket expenses for copays, deductibles and certain services not covered by medical plan, tax free. This also allows employees to pay for qualifying dependent care tax free. Employer Eligibility A qualified high deductible health plan. All employers Contribution Source Employee and/or employer Employee and/or employer Account Owner Individual Employer Underlying RequirementInsurance High deductible health plan None Minimum Deductible $1,400 single (2022) $2,800 family (2022) N/A Maximum Contribution $3,650 single (2022) $7,300 family (2022) $2,850 (2022) Permissible Use Of Funds Employees may use funds any way they wish. If used for non qualified medical expenses, subject to current tax rate plus 20% penalty. Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC). Cash Outs of Unused Amounts (if no medical expenses) Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65). Not permitted Year-to-year rollover of account balance? Yes, will roll over to use for subsequent year’s health coverage. No. Access to some funds may be extended if your employer’s plan contains a 2 1/2 month grace period or $500 rollover provision. Does the account earn interest? Yes No Portable? Yes, portable year to year and between jobs. No FLIP TO FOR HSA INFORMATION PG. 14 FLIP TO FOR FSA INFORMATION PG. 15 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 website: www.mybenefitshub.com/tylerisd Medical Insurance Tyler ISD EMPLOYEE BENEFITS Premiums Payroll Deduction Plan A Plan B HD Plan Employee Only $364.00 $223.00 $104.00 Employee and Child(ren) $644.00 $437.00 $343.00 Employee and Spouse $800.00 $543.00 $474.00 2 Employee and Spouse* $575.00 $318.00 $249.00 Employee and Family $1,101.00 $772.00 $679.00 2 Employee and Family $876.00 $547.00 $454.00 Benefit Plan A Plan B HD Plan Calendar Year Deductible "CYD" Calendar Year Deductible "CYD" Plan Year Deductible "PYD" In Network $500$1,500Individual/Family $1,250$3,750Individual/Family $3,000$6,000Individual/Family Out Of Network $1,000$3,000Individual/Family $2,500$7,500Individual/Family $6,000$12,000Individual/Family Max Out of Pocket In Network $2,500$7,500Individual/Family $3,500$10,500Individual/Family $7,000$14,000Individual/Family Out Of Network Unlimited Individual/Family Unlimited Individual/Family Unlimited Individual/Family Inpatient Hospital Services In Network You pay 20% Plan pays 80% after CYD You pay 25% Plan pays 75% after CYD You pay 20% Plan pays 80% after PYD Out Of Network $1,200/Confinement Ded, then plan pays 55% after CYD $1,200/Confinement Ded, then plan pays 50% after CYD $1,200/Confinement Ded, then plan pays 50% after PYD Outpatient Hospital Services In Network You pay 20% Plan pays 80% after CYD You pay 25% Plan pays 75% after CYD You pay 20% Plan pays 80% after PYD Out Of Network You pay 45% Plan pays 55% after CYD You pay 50% Plan pays 50% after CYD You pay 50% Plan pays 50% after PYD 12

Non

You pay 35% Plan pays 65% after PYD $385 max out of pocket

Specialty Drug You pay 25% Plan pays 75% $350 max You pay 20% Plan pays 80% after PYD

Routine Preventive Care 100% of allowable charges In Network Only

Out Of Network

Brand with Generic Available You pay 50% Plan pays 50% You pay 50% Plan pays 50% after PYD

You pay 40% Plan pays 60% $200 max

You pay 30% Plan pays 70% $175 max You pay 20% Plan pays 80% after PYD

Brand with Generic Available You pay 40% Plan pays 60% You pay 40% Plan pays 60% after PYD

Non

Mail Order 90 day supply

You pay 20% Plan pays 80% after PYD One fill allowed then mandatory mail order

You pay 20% Plan pays 80% after CYD NOT covered You pay 20% Plan pays 80% after CYD Non emergent services NOT covered You pay 20% Plan pays 80% after PYD emergent NOT covered

Retail Drugs 30 day

Physician Office Visit In Network

Therapeutic Alternative Tier

services

Generic $7 Co Pay/$0 for certain generics You pay 20% Plan pays 80% after PYD

You pay 35% Plan pays 65% after CYD You pay 40% Plan pays 60% after CYD You pay 40% Plan pays 60% after PYD

NOT covered In Network

with no

Non emergent services

Brand Generic available

Brand with no Generic available You pay 25% Plan pays 75% $350 max You pay 20% Plan pays 80% after PYD

generics

One fill allowed then mandatory mail order

You pay 20% Plan pays 80% after CYD You pay 20% Plan pays 80% after CYD You pay 20% Plan pays 80% after PYD

Non

$500 Copay for Emergency You pay 20% Plan pays 80% after CYD emergent services NOT covered

You pay 20% Plan pays 80% after CYD $25 PCP Copay $40 Specialist Copay You pay 20% Plan pays 80% after PYD

Specialty Drug You pay 30% Plan pays 70% $350 max

*In Network Only 13

You pay 40% Plan pays 60% after PYD $205 max out of pocket

Generic $19 Co Pay/$0 for certain You pay 20% Plan pays 80% after PYD

$500 Copay for Emergency You pay 20% Plan pays 80% after PYD emergent services

Therapeutic Alternative Tier You pay 35% Plan pays 65% $385 max

supply

EMPLOYEE BENEFITS Medical Insurance Tyler ISD Benefit Plan A Plan B HD Plan Emergency Care: Non emergent services at out of Network facilities will NOT be covered by the Plan FREESTANDING ER $500 Copay for Emergency You pay 20% Plan pays 80% after CYD Non emergent services NOT covered

Out Of Network

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

ABOUT

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:

Important HSA Information

HSA Eligibility

• Enrolled in an HSA eligible HDHP (High Deductible Health Plan)

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

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

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

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. to 1:00 p.m. CT and closed on Sunday.

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.

• 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.

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

How To Use Your HSA

Health Savings Account (HSA) BENEFITS

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.

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

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

• Family (filing jointly) $7,300

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

HSA

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

• Individual $3,650

• Stop by a local EECU financial center: www.eecu.org/locations

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

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

• Not receiving Veterans Administration benefits

• Not enrolled in Medicare or TRICARE

EECU EMPLOYEE

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.

Flexible Account Care FSA

annually

• 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.

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

dental

For full plan details, please visit

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.

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

benefit website:

expenses

Spending

vision expenses

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

Important FSA Rules

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). How the Health Care FSAs Work You can access the funds in your Health Care FSA two different ways: • Use your NBS Debit Card to pay for qualified expenses, doctor visits and prescription copays. • Pay out of pocket and submit your receipts for reimbursement:  Fax 844 438 1496  Email service@nbsbenefits.com  Online my.nbsbenefits.com  Call for Account Balance: 855 399 3035  Mail: PO Box 6980 West Jordan, UT 84084 Contact NBS • Hours of Operation: 6:00 AM 6:00 PM MST, Mon Fri • Phone: (800) 274 0503 • Email: service@nbsbenefits.com • Mail: PO Box 6980 West Jordan, UT 84084

(FSA) NBS EMPLOYEE BENEFITS Health

A Flexible Spending Account allows you to pay for eligible healthcare 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). your www.mybenefitshub.com/tylerisd

Dependent Care FSA

Dependent Care FSA Guidelines

The Health Care FSA covers qualified medical, and for you or your eligible dependents. You may contribute up to $2,850 to a Health Care FSA and you are entitled to the full election from day one of your plan year.

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

ABOUT FSA

• 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.

FSAstore.com offers thousands of FSA eligible products and services to purchase using your FSA 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 www.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.

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.

• You can continue to file claims incurred during the plan year for another 90 days from August 31st. You can file new claims incurred during the new plan year while in your grace period for an additional 75 days from August 31st.

Flexible Spending Account (FSA)

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

FSAstore.Com

NBS EMPLOYEE BENEFITS

Hospital Intensive Care Unit (ICU) Stay No elimination period. Limited to 30 days. $200 per day $400 per day

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/tylerisd Hospital Indemnity Cigna EMPLOYEE BENEFITS Even with the best primary health insurance plan, out of pocket costs from a hospital stay can add up. Cigna’s Hospital Care plan pays a scheduled benefit if you or an insured dependent (spouse or child) are confined in a hospital for a covered illness or injury. The benefits are paid 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.). Plan Highlights • No Pre existing Limitations! • HSA Compatible Claims Call 800 754 3207 to file a claim. Group number on page 3 of this guide. Available Coverage: The benefit amounts shown in this summary will be paid regardless of the actual expenses incurred and are paid on a per day basis unless otherwise specified. Benefits are only payable when all policy terms and conditions are met. Please read all the information in the plan summary document on the benefit website to understand limitations and conditions.

$500 per 24 hour period Newborn Nursery Care Admission Limited to 1 day, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected. $500 $500 Newborn Nursery Care Stay* Limited to 30 days, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.

Hospitalization Benefits Plan 1 Plan 2 Hospital Admission No elimination period. Limited to 1 day, 1 benefit(s) every 90 days.

Hospital Observation Stay 24 hour elimination period. Limited to 72 hours.

$1,000 $3,000 Hospital Chronic Condition Admission No elimination period. Limited to 1 day, 1 benefit(s) every 90 days. $50 $100 Hospital Stay No elimination period. Limited to 30 days. $100 per day $200 per day

$100 per day $100 per day

• Newborn Nursery Care Admission and Newborn Nursery Care Stay: Must be admitted as an Inpatient and confined in a Hospital immediately following birth at the direction and under the care of a physician. Hospital

IndemnityPlan1 Plan 2 Employee $12.87 $25.42 Employee + Spouse $24.09 $47.87 Employee + Child(ren) $22.47 $44.52 Family $36.12 $71.81 18

Hospital Indemnity

Additional Information:

Cigna

• Hospital Chronic Condition Admission: Must be admitted as an Inpatient due to a covered chronic condition and treatment for the covered chronic condition must be provided by a specialist in that field of medicine. Excludes: treatment in an emergency room, provided on an outpatient basis, or for re admission for the same Covered Injury or Covered Illness (including chronic conditions).

• Hospital Stay: Must be admitted as an Inpatient and confined to the Hospital, due to a Covered Injury or Covered Illness, at the direction and under the care of a physician. If also eligible for the ICU Stay Benefit, only 1 benefit will be paid for the same Covered Injury or Covered Illness, whichever is greater. Hospital stays within 90 days for the same or a related Covered Injury or Covered Illness is considered one Hospital Stay.

• Intensive Care Unit (ICU) Stay: Must be admitted as an Inpatient and confined in an ICU of a Hospital, due to a Covered Injury or Covered Illness, at the direction and under the care of a physician. If also eligible for the Hospital Stay Benefit, only 1 benefit will be paid for the same Covered Injury or Covered Illness, whichever is greater. ICU stays within 90 days for the same or a related Covered Injury or Covered Illness is considered one ICU Stay.

• Hospital Observation Stay: Must be receiving treatment for a Covered Injury or Covered Illness in a Hospital, including an observation room, or ambulatory surgical center, for more than 24 hours, on a non Inpatient basis and a charge must be incurred. This benefit is not payable if a benefit is payable under the Hospital Stay Benefit or Hospital Intensive Care Unit Stay Benefit.

EMPLOYEE BENEFITS

• Hospital Admission: Must be admitted as an Inpatient due to a Covered Injury or Covered Illness. Excludes: treatment in an emergency room, provided on an outpatient basis, or for re admission for the same Covered Injury or Covered Illness (including chronic conditions).

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

once a

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 SupposeRepatriation/Recuperationfacilities.youorafamilymember 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. If a member has a high deductible health plan that is compatible with a health savings benefits will available under the MASA membership for expenses incurred for medical care (as defined under Internal (“IRC”) 213 (d)) member satisfies the applicable statutory minimum deductible under IRC section 223(c) for high deductible is compatible with a health savings account.

BENEFITS

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

account,

health plan coverage that

Emergency MedicalEmergentTransportationPlusPlatinum Employee Only $14.00 $24.50 Employee & Family $14.00 $32.50 Plan FeaturesEmergentMembershipPlus MembershipPlatinum Emergency TransportationAir x x Emergent TransportationGround x x Non Emergency Inter Facility Transportation x x Repatriation/Recuperation x x Escort Transportation x Visitor Transportation x Return Transportation x Mortal TransportationRemains x Minor Return x Organ RecipientRetrieval/OrganTransportation x Vehicle Return x Pet Return x Worldwide Coverage x Disclaimer:

Emergency Medical Transport MASA EMPLOYEE

section

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/tylerisd

become

Revenue Code

phone, secure video,

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/tylerisd 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.

your own home.

App. • Talk

on the go! • Affordable, confidential online therapy for a variety of counseling needs. • The MDLIVE app helps you stay connected with appointment reminders, important notifications and secure messaging. Registration is Easy Register with MDLIVE so you are ready to use this valuable service when and where you need it. • Online www.mdlive.com/fbsbh • Phone 888 365 1663 • Mobile download the MDLIVE mobile app to your smartphone or mobile device • Select “MDLIVE as a benefit” and “FBS” as your Employer/Organization when registering your account. Telehealth Employee & Family $12.00 20

MDLIVE Behavioral Health: Managing stress or than ever to get help right in the comfort of Visit a counselor or psychiatrist by or MDLIVE to a licensed counselor or psychiatrist from your home, office, or

life changes can be overwhelming but it’s easier

ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and Fordisease.fullplan details, please visit your benefit website: www.mybenefitshub.com/tylerisd Dental Insurance MetLife EMPLOYEE BENEFITS How do I request a new ID Card? You can request your dental id card by contacting MetLife directly at 800 942 0854. You can also go to www.metlife.com and register/login to access your account. How do I find an in network Dentist? • Go to metlife.com • Select “Find a Dentist” • Select PDP Plus next to “Choose a network” Dental Employee Only $30.96 Employee and 1 Dependent $62.52 Employee and Family $91.06 Coverage Type: In Network1 % of PDP Fee2 Out of Network1 % of R&C Fee4 Type A Preventive 100% 100% Type B Basic Restorative 80% 80% Type C Major Restorative 50% 50% Type D Orthodontia 50% 50% Deductible3 Individual $50 $50 Family $150 $150 Annual Maximum Benefit: Per Individual $1500 $1500 Orthodontia Lifetime Maximum Up to dependent age limit $1000 per Person $1000 per Person 1 “In Network Benefits" refers to benefits provided under this plan for covered dental services that are provided by a participating dentist. "Out of Network Benefits" refers to benefits provided under this plan for covered dental services that are not provided by a participating dentist. 2 Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. * Reimbursement for out of network services is based on the lesser of the dentist’s actual fee or the Maximum Allowable Charge (MAC) . The out of network Maximum Allowable Charge is a scheduled amount determined by MetLife. **R&C fee refers to the Reasonable and Customary (R&C) charge, which is based on the lowest of (1) the dentist’s actual charge, (2) the dentist’s usual charge for the same or similar services, or (3) the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife. † Applies only to Type B & C Services. • Orthodontia included for adults. Available for dependent children up to age 26. 21

• Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $5 eyewear copay.

• Contact lens fitting (premium): $50 retail allowance after $25 copay.

• Necessary lenses: Covered in Visionfull.High Plan Low Plan Employee Only $9.99 $7.70

Low Plan Eye Exam Once every 12 months

Employee and Spouse $17.03 $13.12 Employee and Family $24.99 $19.26

• Contact lens fitting (premium): $50 retail allowance after $25 copay.

• Contact lens fitting (standard): Covered in full after $25 copay.

• Retinal imaging: Up to a $39 copay on routine retinal screening when performed by a private practice.

• Elective lenses: $150 allowance

Contact Lenses (instead of eyeglasses) Once every 12 months

• You will receive an additional 20% savings on the amount that you pay over your allowance.

• Progressive lenses, Standard Polycarbonate (adult), UV coating, Scratch resistant coatings, Tints, Anti reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Your cost will be limited to a member out of pocket amount (MOOP) that MetLife has negotiated for you. These amounts may be viewed after enrollment at metlife.com/mybenefits

ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses. For full plan details, please visit your benefit website: www.mybenefitshub.com/tylerisd Vision Insurance MetLife EMPLOYEE BENEFITS We’re Here to Help • Find a Vision provider at www.metlife.com/vision • Download a claim form at www.metlife.com/mybenefits • For general questions, go to www.metlife.com/mybenefits or call 1 833 EYE LIFE (1 833 393 5433) • These plans use the Superior Network High Plan Eye Exam Once every 12 months • Eye health exam, dilation, prescription, and refraction for glasses: Covered in full after a $5 copay. • Retinal imaging: Up to a $39 copay on routine retinal screening when performed by a private practice. Frame Once every 12 months • Allowance: $150 • You will receive an additional 20% savings on the amount that you pay over your allowance. Standard Corrective Lenses Once every 12 months • Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $5 eyewear copay. Standard Lens Enhancements Once every 12 months • Standard Polycarbonate (child up to age 18) : Covered in full. • Progressive lenses, Standard Polycarbonate (adult), UV coating, Scratch resistant coatings, Tints, Anti reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Your cost will be limited to a member out of pocket amount (MOOP) that MetLife has negotiated for you. These amounts may be viewed after enrollment at metlife.com/mybenefits

• Allowance: $150

Frame Once every 12 months

• Contact lens fitting (standard): Covered in full after $25 copay.

Standard Lens Enhancements Once every 12 months

• Necessary lenses: Covered in full.

Standard Corrective Lenses Once every 12 months

• Elective lenses: $150 allowance

Contact Lenses (instead of eyeglasses) Once every 12 months

• Eye health exam, dilation, prescription, and refraction for glasses: Covered in full after a $5 copay.

• Standard Polycarbonate (child up to age 18): Covered in full.

Disability Insurance Cigna

The Insurance Company will waive the Pre Existing Condition Limitation for the first four weeks of Disability even if the Employee has a Pre Existing Condition. The Disability Benefits as shown in the Schedule of Benefits will continue beyond 4 weeks only if the Pre Existing Condition Limitation does not apply.

Eligibility: All active, Full time Employees of the Employer who are citizens or permanent resident aliens of the United States working a minimum of 15 hours per week. You will be eligible for coverage the first of the month on or after 30 days of active service.

Condition Limitation: Benefits are not payable for medical conditions for which you incurred expenses, took prescription drugs, received medical treatment, care or services (including diagnostic measures), during the 3 months just prior to the most recent effective date of insurance. Benefits are not payable for any disability resulting from a pre existing condition unless the disability occurs after you have been insured under this plan for at least 12 months after your most recent effective date of insurance.

Effective Date: Your coverage takes effect on the later of the policy’s effective date, the date you become eligible, the date we receive your completed enrollment form, or the date you authorize any necessary payroll deductions. If you’re not actively at work on the date your coverage would otherwise take effect, your coverage will take effect on the date you return to work. If you have to submit evidence of good health, your coverage takes effect on the date we agree, in writing, to cover you.

What is Educator Disability Insurance?

EMPLOYEE BENEFITS

Maximum Benefit Duration: Once you qualify for benefits under this plan, you continue to receive them until the end of the benefit or until you no longer qualify for benefits, whichever occurs first. Should you remain Disabled, your benefits continue based on a schedule. See your benefit website at www.mybenefitshub.com/tylerisd for full details.

Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose an amount of coverage and waiting period that suits your needs.

Definition of Disability: “Disability” or “Disabled” means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular occupation/regular job and you are unable to earn 80% or more of your indexed earnings from working in your regular occupation/regular job. After benefits have been payable for 24 months, you are considered disabled if solely due to your injury or sickness, you are unable to perform the material duties of any occupation for which you are (or may reasonably become) qualified by education, training or experience, and you are unable to earn 80% or more of your indexed earnings. We will require proof of earnings and continued Predisability.Existing

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/tylerisd

Educator Disability insurance is a hybrid that combines features of short term and long term disability into one plan.

Disability Insurance

Gross Monthly Benefit Maximum Gross Monthly Benefit Benefit Waiting Period Maximum Benefit Period Employee Options You can choose between 30%, 40%, 60% or 65% of your monthlyearnings.covered $7,500 Select from Six 180Accident/SicknessOptions:0days/7days14days/14days30days/30days60days/60days90days/90daysdays/180days Please refer to the “Maximum Benefit Period” Schedules on your benefit website for full details. Monthly Rates by Type of Plan (Per $100 Benefit) Premium Duration Accident SSNRA Sickness SSNRA BenefitPeriodWaitingDays Accident 0 30 60 180 Sickness 7 30 60 180 30% $4.05 $2.43 $1.93 $1.10 40% $4.52 $2.71 $2.15 $1.22 60% $4.77 $2.86 $2.27 $1.29 65% $4.86 $2.92 $2.31 $1.31 24

Cigna EMPLOYEE BENEFITS

Effects of Other Income Benefits: This plan is structured to prevent your total benefits and post disability earnings from equaling or exceeding pre disability earnings. Therefore, we reduce this plan’s benefits by Other Income Benefits payable to you, your dependents, or a qualified third party on behalf of you or your dependents. Disability benefits will be reduced by amounts received through Social Security disability benefits payable to you, your dependents, or a qualified third party on behalf of you or your dependents. Your disability benefits will not be reduced by any Social Security disability benefits you are not receiving as long as you cooperate fully in efforts to obtain them and agree to repay any overpayment when and if you do receive them. Disability benefits will also be reduced by amounts received through other government programs, employer’s sabbatical leave, employer’s assault leave plan, employer funded retirement benefits, workers’ compensation, franchise/group insurance, auto no fault, and damages for wage loss. For details, see your outline of coverage, policy certificate, or your employer’s summary plan description.

Cancer Insurance 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 at www.mybenefitshub.com/tylerisd

APL EMPLOYEE BENEFITS

and materials

Plan 1 Plan 2 Internal Cancer First Occurrence* $2,500 $5,000 Cancer Screening Rider Benefits Plan 1 Plan 2 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 per calendar year $500 per test/ 1 per calendar year Cancer Treatment Policy benefits Plan 1 Plan 2 Radiation and Chemotherapy, 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 Rider Benefits Plan 1 Plan 2 Surgical $30 unit dollar amount Max $3,00 per operation $45 unit dollar amount Max $4,500 per operation Anesthesia 25% of amount paid for covered surgery Bone Marrow Transplant Maximum per lifetime $6,000 $9,000 Stem Cell Transplant Maximum per lifetime $600 $900 Miscellaneous Care Rider Benefits Plan 1 Plan 2 Hair Piece (Wig) 1 per lifetime $150 $150 Blood, Plasma &Platelets $300 per day $300 per day Ambulance Ground /Air Maximum of 2 trips per Hospital Confinement for all modes of transportation combined $200/$2,000 per trip $200/$2,000 per trip Hospital Intensive Care Unit Rider Benefits Plan 1 Plan 2 Intensive Care Unit $600 per day $600 per day *Carcinoma in situ is not considered internal cancer Pre Existing Condition Exclusion: Review the Benefit Summary page that can be found at www.mybenefitshub.com/tylerisd for full details Cancer Low High Employee $19.80 $32.04 Employee + Spouse $36.30 $58.50 Employee + Child(ren) $25.78 $40.92 Family $38.56 $61.62 25

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/tylerisd

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/tylerisd Accident Insurance Cigna EMPLOYEE BENEFITS You can find additional claim forms and materials at www.mybenefitshub.com/tylerisd AccidentPlan1 Plan 2 Employee $8.40 $14.55 Employee + Spouse $14.30 $24.81 Employee + Child(ren) $14.54 $25.25 Family $19.62 $34.07 INITIAL CARE AND EMERGENCY CARE Plan 1 Plan 2 Emergency Care Treatment Limited to 1 per accident. $200 $400 Physician Office Visit Includes urgent care, Virtual Care accepted. Limited to 1 per accident. $100 $200 Diagnostic Exam (x ray or lab) Limited 1 per accident. $50 $100 Ground / Water Ambulance (to nearest hospital) $400 $500 Air Ambulance Limited 1 per accident. $1,600 $2,000 HOSPITALIZATION Plan 1 Plan 2 Hospital Admission Limited to 1 per accident. $1,000 $1,500 Hospital Stay Limited to 365 days, 1 stay per accident. $200 per day $300 per day Intensive Care Unit Stay Limited to 365 days, 1 stay per accident. $400 per day $600 per day Benefit Amount Plan 1 Plan 2 FRACTURES Non Surgical Surgical Non Surgical Surgical Skull $4,000 $8,000 $5,000 $10,000 Hip or Thigh $4,000 $8,000 $5,000 $10,000 Vertebrae or Pelvis $4,000 $8,000 $5,000 $10,000 Upper Arm $1,000 $2,000 $1,500 $3,000 Shoulder or Collarbone $1,000 $2,000 $1,500 $3,000 Leg $1,000 $2,000 $1,500 $3,000 Ankle $800 $1,600 $1,000 $2,000 Kneecap $800 $1,600 $1,000 $2,000 Lower Arm $800 $1,600 $1,000 $2,000 Foot $800 $1,600 $1,000 $2,000 Hand or Wrist $800 $1,600 $1,000 $2,000 Upper Jaw $600 $1,200 $800 $1,600 Lower Jaw $600 $1,200 $800 $1,600 Bones of Face or Nose $600 $1,200 $800 $1,600 Vertebral Processes $600 $1,200 $800 $1,600 26

Benefit Amount FRACTURES (cont’d) Plan 1 Plan 2 Non Surgical Surgical Non Surgical Surgical Rib More than 1 rib fracture pays 2 times the Benefit Amount $200 $400 $300 $600 Coccyx $200 $400 $300 $600 Finger More than 1 finger pays 2 times the Benefit Amount $100 $200 $150 $300 Toe More than 1 toe fracture pays 2 times the Benefit Amount $100 $200 $150 $300 Sternum $100 $200 $150 $300 Heel $100 $200 $150 $300 Chip Fracture 25% of closed fracture benefit N/A 25% of closed fracture benefit N/A Multiple Fractures 200% of the single fracture benefit for multiple fractures to the same bone N/A 200% of the single fracture benefit for multiple fractures to the same bone N/A DISLOCATIONS Plan 1 Plan 2 Non Surgical Surgical Non Surgical Surgical Hip Joint $3,000 $6,000 $3,000 $6,000 Knee Joint $3,000 $6,000 $3,000 $6,000 Bones of Foot $3,000 $6,000 $3,000 $6,000 Ankle $1,000 $2,000 $1,500 $3,000 Wrist $800 $1,600 $1,000 $2,000 Elbow $600 $1,200 $800 $1,600 Shoulder $400 $800 $600 $1,200 Hand $400 $800 $600 $1,200 Collarbone $400 $800 $600 $1,200 Lower Jaw $400 $800 $600 $1,200 Finger or Toe $100 $200 $150 $300 Benefit Type Plan 1 Plan 2 Loss of Life $25,000 $50,000 Automobile Accidental Death $25,000 $50,000 Common Carrier Accidental Death $75,000 $100,000 Sight in Both Eyes $20,000 $30,000 Both Hands or Arms $20,000 $30,000 Both Feet or Legs $20,000 $30,000 Speech and Hearing in Both Ears $20,000 $30,000 Speech or Hearing in Both Ears $10,000 $15,000 One Hand or Arm and One Foot or Leg $10,000 $15,000 One Hand, Arm, Foot, Leg, or Sight in one Eye $10,000 $15,000 Finger $1,000 $2,000 Toe $1,000 $2,000 Accident Insurance Cigna EMPLOYEE BENEFITS 27

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/tylerisd Critical Illness Insurance Cigna EMPLOYEE BENEFITS Who Can Elect Coverage: You: All active, Employees of the Employer who are regularly working a minimum of 15 hours per week who are United States citizens or permanent resident aliens regularly working in the United States. You will be eligible to elect coverage on the first of the month after 30 days from date of hire or Active Service. Your Spouse:* Up to age 100, as long as you apply for and are approved for coverage yourself. Your Child(ren): Birth to age 26; 26+ if disabled, as long as you apply for and are approved for coverage yourself. Available Coverage: The benefit amounts shown will be paid regardless of the actual expenses incurred. The benefit descriptions are a summary only. There are terms, conditions, state variations, exclusions and limitations applicable to these benefits. Please read all of the information in this Summary and your Certificate of Insurance for more information. All Covered Critical Illness Conditions must be due to disease or sickness. Benefit Amount Guaranteed Issue Amount Employee $5,000, $10,000, $15,000, $20,000, $30,000 Up to $30,000 Spouse $5,000, $10,000, $15,000 Up to $15,000 Children $5,000 All guaranteed issue Covered Conditions Initial Benefit Amount % Recurrence % of Initial Benefit Amount Vascular Conditions Heart Attack 100% 100% Stroke 100% 100% Coronary Artery Disease 25% 25% Nervous System Conditions Advanced Alzheimer's Disease 25% Not Available Amyotrophic Lateral Sclerosis (ALS) 25% Not Available Parkinson's Disease 25% Not Available Multiple Sclerosis 25% Not Available Childhood Conditions* Cerebral Palsy 100% Not Available Cystic Fibrosis 100% 100% Muscular Dystrophy 100% 100% Poliomyelitis 100% Not Available Other Specified Conditions Benign Brain Tumor 100% 100% Blindness 100% Not Available Coma 25% 25% 28

Critical Illness Insurance Cigna EMPLOYEE BENEFITS Covered Conditions Initial Benefit Amount % Recurrence % of Initial Benefit Amount Other Specified Conditions End Stage Renal (Kidney) Disease 100% 100% Major Organ Failure 100% 100% Paralysis 100% 100% Loss of Hearing 100% Not Available Loss of Speech 100% Not Available Systemic Lupus 25% 25% Systemic Sclerosis 25% 25% For Childhood Conditions please refer to the beginning of the Available Coverage section above for details on how much coverage is available for covered children. Health Screening Test Benefit Benefit Amount Examples includes (but are not limited to) mammography, and certain blood tests. The benefit amount shown will be paid regardless of the actual expenses incurred and is paid on a per day basis. Virtual Care accepted. $50 1 per year InitialBenefitsCritical Illness Benefit Benefit for a diagnosis made after the effective date of coverage for each Covered Condition shown above. The amount payable per Covered Condition is the Initial Benefit Amount multiplied by the applicable percentage shown. Each Covered Condition will be payable one time per Covered Person, subject to the Maximum Lifetime Limit. A 90 days separation period between the dates of diagnosis is required.* Recurrence Benefit Benefit for the diagnosis of a subsequent and same Covered Condition for which an Initial Critical Illness Benefit has been paid, payable after a 6 month separation period diagnosisfrom of a previous Covered Condition, subject to the Maximum Lifetime Limit. Maximum Lifetime Limit The maximum benefit payable per Covered Person is the lesser of 5 times the elected Benefit Amount or $150,000. Portability Feature: You can continue 100% of coverage for all Covered Persons at the time Your coverage ends. You must be covered under the policy and be under the age of 100 in order to continue your coverage. Rates may change and all coverage ends at age 100. Applies to United States Citizens and Permanent Resident Aliens residing in the United States. Guaranteed Issue: If you are a new hire you are not required to provide proof of good health if you enroll during your employer's eligibility waiting period and you choose an amount of coverage up to and including the Guaranteed Issue Amount. If you apply for an amount of coverage greater than the Guaranteed Issue Amount, coverage in excess of the Guaranteed Issue Amount will not be issued until the insurance company approves acceptable proof of good health. Guaranteed Issue coverage may be available at other specified periods of time. Your employer will notify you when these periods of time are available. Your Spouse must be age 18 or older to apply if evidence of insurability is required. Critical Illness Employee SpouseAge $5,000 $10,000 $15,000 $20,000 $30,000 $5,000 $10,000 $15,000 <29 $2.73 $3.47 $4.21 $4.95 $6.43 $2.30 $3.11 $3.92 30 to 39 $3.10 $4.21 $5.32 $6.43 $8.65 $2.88 $4.27 $5.66 40 to 49 $3.96 $5.93 $7.90 $9.87 $13.81 $4.16 $6.83 $9.50 50 to 59 $5.78 $9.58 $13.37 $17.17 $24.76 $7.02 $12.55 $18.08 60 to 69 $8.30 $14.61 $20.92 $27.23 $39.85 $10.21 $18.93 $27.65 70 to 79 $14.99 $28.00 $41.00 $54.01 $80.02 $16.89 $32.29 $47.69 80 to 89 $33.15 $64.32 $95.48 $126.65 $188.98 $41.49 $81.50 $121.50 90+ $33.15 $64.32 $95.48 $126.65 $188.98 $41.49 $81.50 $121.50 CriticalChild(ren)Illness$2.14 29

Life and AD&D Lincoln Financial Group ABOUT LIFE AND AD&D Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. For full plan details, please visit your benefit website: www.mybenefitshub.com/tylerisd EMPLOYEE BENEFITS Voluntary Life Insurance • Provides a cash benefit to your loved ones in the event of your death • Features group rates for Tyler ISD employees • Includes LifeKeys® services, which provide access to counseling, financial, and legal support services • Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home • To file a claim contact Lincoln Financial at (800) 423 2765 Benefit Exclusions Like any insurance, this term life insurance policy does have exclusions. A suicide exclusion may apply. A complete list of benefit exclusions is included in the policy. State variations apply. Note: You must be an active Tyler Independent School District employee to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse or dependent child cannot be confined to a health care facility or unable to perform the typical activities of a healthy person of the same age and gender. Employee Continuing employee guaranteed coverage annual increase amount $40,000 Newly hired employee guaranteed coverage amount $350,000 Maximum coverage amount 7 times your annual salary ($500,000 maximum in increments of $10,000) Minimum coverage amount $10,000 ContinuingSpouse employee guaranteed coverage annual increase amount $40,000 Newly hired employee guaranteed coverage amount $100,000 Maximum coverage amount 100% of the employee coverage amount ($500,000 maximum in increments of $10,000) Minimum coverage amount $10,000 Dependent Children Day 1 months to age 26 guaranteed coverage amount $10,000 Additional Plan Benefits Accelerated Death Benefit Included Premium Waiver Included Conversion Included Portability Included 30

Life and AD&D Lincoln Financial Group EMPLOYEE BENEFITS Voluntary AD&D Employee Only This coverage provides a cash benefit to the beneficiary/beneficiaries you name if you die in an accident, or to you if you suffer a covered loss in an accident, such as losing a limb or your eyesight Maximum coverage amount This amount may not exceed $500,000 Minimum coverage amount $10,000 Your employee AD&D coverage amount will reduce by 50% when you reach age 70. Benefits end when you retire. Dependent spouse: The amount of dependent AD&D insurance coverage cannot be greater than 100% of the employee Coveragebenefit. options Increments of $10,000 Maximum coverage amount This amount may not exceed 100% of the employee's benefit amount. Rounded to the next higher $1,000 Minimum coverage amount $10,000 • You can secure AD&D insurance for your spouse if you select coverage for yourself. • Your spouse AD&D coverage amount will reduce by 50% when you reach age 70. Benefits end when you retire. Dependent child(ren) Coverage options Birth to age 26: $10,000 • You can secure AD&D insurance for your dependent children if you select coverage for yourself. Voluntary Group Life per $1,000 in coverage Age Employee Spouse 18 29 $0.780 $0.780 30 34 $0.103 $0.103 35 39 $0.116 $0.116 40 44 $0.155 $0.155 45 49 $0.220 $0.220 50 54 $0.375 $0.375 55 59 $0.699 $0.699 60 64 $1.074 $1.074 65 69 $2.005 $2.005 70+ $2.976 $2.976 Spouse rates based on Employee's age. Voluntary Group Life Child(ren) $10,000 in coverage 0 26 $1.80 AD&D per $10,000 Employee $0.30 Spouse $0.30 Child $0.30 31

ABOUT IDENTITY THEFT PROTECTION Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered. For full plan details, please visit your benefit website: www.mybenefitshub.com/tylerisd Identity Theft Identity Guard EMPLOYEE BENEFITS Have you wondered: • How do I know if my information has been comprised? • What do I do if my personal information has been stolen? • Can I protect myself and my family on social media? • Can I protect my children from identity theft? Aura Identity Guard protects you and your family against cybercrime. COMPREHENSIVE IDENTITY PROTECTION • $1M in insurance protection1 from financial losses and legal fees • 24/7 expert guidance, if a threat is detected • Protect your loved ones for one low price with our family FASTESTplanSPEED AND LARGEST BREADTH OF ALERTS • Around the clock scan of billions of online resources • Reduce exposure to cybertheft • Be alerted within seconds of possible cyberthreats POWERFUL FINANCIAL TOOLS • Keep an eye on your spending and get alerted to suspicious transactions • Access to your credit report and real time alerts to changes that impact your credit • Complete protection and monitoring of online accounts and passwords Customer Service Concierge: customercare@identityguard.com 855 443 7748 COMPREHENSIVE IDENTITY PROTECTION $1 Million insurance with stolen funds reimbursement 401(k) & HSA reimbursement Address monitoring Auto on Compromisedmonitoringcredentials scan Court records monitoring Criminal record monitoring Cyberbullying monitoring Dark web monitoring Data broker list monitoring/removal Device/cookie tracking protection Fictitious identity monitoring Home title monitoring Human sourced intelligence Medical ID monitoring Social media monitoring Social security and ID authentication monitoring ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ FINANCIAL FRAUD PROTECTION Bank account transaction monitoring Credit card monitoring Debit card monitoring Financial accounts monitoring High risk transaction monitoring Lost wallet protection Online accounts monitoring ✓ ✓ ✓ ✓ ✓ ✓ ✓ POWERFUL FINANCIAL TOOLS Annual credit report Credit bureau monitoring Credit report lock Credit score tracker Monthly credit score Near real time alerts Security freeze assistance Student loan activity alerts Up to 3 Bureau Up to 3 Bureau 1 Bureau ✓ ✓ ✓ ✓ ✓ CUSTOMER CARE End to end remediation Mobile App Online identity dashboard U.S. based customer care ✓ ✓ ✓ ✓ PROACTIVE DEVICE & PRIVACY PROTECTION Ultimate Plan Anti adware Anti virus E mail solicitation/junk mail prevention Robo call/robo text protection Safe browsing extension Safe browsing: anti ransomware & anti malware VPN / WiFi security ✓ ✓ ✓ ✓ ✓ ✓ ✓ Identity Theft Employee $9.94 Employee and Family $18.50 32

•

help you and your loved ones navigate life’s most important Help,matters.guidance, and support for beneficiaries following a loss

3684. First time users: enter web

An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you. For full plan details, please visit your benefit website: www.mybenefitshub.com/tylerisd

Guidance and support for your beneficiaries: LifeKeys is a comprehensive program that offers resources to help your loved ones address a range of common concerns should they experience a loss. Services include grief counseling, financial and legal advice, and support when coping with the challenges of day to day life. Your life and accidental death and dismemberment (AD&D) insurance policies include access to a wide range of services to

advice, information, and referrals on: with loss Stress, anxiety, and about family, including children

download

LifeKeys 33

mobile app,

Employee Assistance Program (EAP)

depression • Memorial planning information • Concerns

Protection against identity theft: Identity theft is widespread, and everyone is vulnerable. LifeKeys includes an online resource for information that can help you recognize and prevent identity theft and restore your good name should your identity be Onlinecompromised.willpreparation:

Help with important life matters: You’ll find support tools and advice on a wide range of topics, including legal, financial, family, and career, on GuidanceResources online. Stay in the know on matters that impact your personal and professional life.

ABOUT EAP

Lincoln Financial Group | LifeKeys BENEFITS No matter how well you plan, unexpected challenges arise. When they do, help and support are nearby thanks to LifeKeys® services from Lincoln Financial Group.

EMPLOYEE

support access to legal information on: • Estate and probate law • Real estate transactions • Social Security survivor and child benefits • Important documents for beneficiaries Financial services online resources and advice from financial specialists on: • Estate planning  Bankruptcy • Budgeting  Investments • Overcoming debt Help with everyday life comprehensive information on: • Finding child care or elder care • Financing a home • Moving and relocation • Making major purchases

Creating a will allows you to make vital decisions ahead of time, including naming a guardian for your children or designating who will receive your property and assets after you pass away. Without a will, state officials will distribute your estate. EstateGuidance® offers a secure, efficient way to create and execute a will so you can rest easy knowing you’ve planned ahead for your family.

LifeKeys services include: Discounts on shopping and entertainment: GuidanceResources® includes 24/7 online access to the Working Advantage discount network. You can save up to 60% on a variety of products and services, including electronics, health and fitness, Broadway shows, and much more. Discounts are also available in the GuidanceNow mobile app, available in the Apple App Store and on Google Play.

• Coping

Access Visit GuidanceResources.com, the GuidanceNow or call 855 891 ID:

Legal

LifeKeys services.

and teens

The emotional impact of losing a loved one can be deep and long lasting. All too often, financial or legal issues can add to the stress. LifeKeys services can be a welcome resource for your Yourbeneficiaries.beneficiaries will have access to six in person sessions for grief counseling, legal or financial information, and unlimited phone counseling. Services are available for up to one year after a Griefloss.counseling

Notes 34

Notes 35

Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the Tyler 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/TYLERISD

2022 - 2023 PlanYear

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 Tyler 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.