2023-24 Brownfield ISD Benefit Guide

Page 20

BROWNFIELD ISD BENEFIT GUIDE EFFECTIVE: 09/01/2023 - 8/31/2024 WWW.MYBENEFITSHUB.COM/BROWNFIELDISD 2023 - 2024 Plan Year 1
FLIP
SUMMARY PAGES
HOW TO ENROLL PG. 4 How to Enroll 4-5 Annual Benefit Enrollment 6-11 1. Section 125 Cafeteria Plan Guidelines 6 2. Annual Enrollment 7 3. Eligibility Requirements 8 4. Helpful Definitions 9 5. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) 10 Medical 12-18 Dental 19-20 Vision 21 Cancer 22-23 Accident 24 Identity Theft 25 Disability 26-28 Life and AD&D 29-30 Health Savings Account (HSA) 31 Medical Supplement 32-33 Critical Illness 34 Emergency Transportation 35 Telehealth 36 Flexible Spending Account (FSA) 37-38 2
Table of Contents
TO...
PG. 6 YOUR BENEFITS PG. 12

Benefit Contact Information

583-6908

www.mybenefitshub.com/brownfieldisd

Cigna Group #3343634 (800) 224-6224

www.cigna.com

American Public Life (800) 256-8606

www.ampublic.com

BCBSTX (866) 355-5999

www.bcbstx.com/trsactivecare

Superior Vision Group #326280 (800) 507-3800

www.superiorvision.com

IDWatchdog (800) 774-3772

www.idwatchdog.com

BCBSTX: Blue Essentials HMO (888) 378-1633

https://www.bcbstx.com/trshmo

American Public Life (800) 256-8606

www.ampublic.com

UNUM Short-Term Disability Plan #474769 Long-Term Disability Plan #474768 (866) 679-3054

www.unum.com

www.oneamerica.com

HSA Bank (800) 357-6246

www.hsabank.com

American Public Life Group #14360 (800) 256-8606

www.ampublic.com

Voya Group #69510-6CCI (877) 236-7564

MASA (800) 423-3226

MDLive (888) 365-1663

www.masamts.com

www.voya.com

https://members.mdlive.com/fbs/ landing_home FLEXIBLE SPENDING ACCOUNT (FSA)

Higginbotham

(866) 419-3519

www.higginbotham.net

TRS
TRS HMO
BROWNFIELD ISD BENEFITS
ACTIVECARE MEDICAL
MEDICAL Financial Benefit Services (800)
DENTAL VISION CANCER
ACCIDENT IDENTITY THEFT DISABILITY
LIFE AND AD&D HEALTH SAVINGS ACCOUNT (HSA) MEDICAL SUPPLEMENT OneAmerica Group #614195
CRITICAL ILLNESS EMERGENCY TRANSPORTATION TELEHEALTH
3
Employee benefits made easy through the FBS Benefits App! All Your BenefitsOne App OR SCAN Text “FBS BISD” to (800) 583-6908 App Group #: FBSBISD Text “FBS BISD” 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

How to Log In

1

www.mybenefitshub.com/brownfieldisd

2

3 ENTER USERNAME & PASSWORD

Your Username Is: Your email in THEbenefitsHUB. (Typically your work email)

Your Password Is: Four (4) digits of your birth year followed by the last four (4) digits of your Social Security Number

If you have previously logged in, you will use the password that you created, NOT the password format listed above.

CLICK LOGIN
5

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 31 days of your qualifying event and meet with your Benefit 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

Change in Status of Employment Affecting Coverage Eligibility

Gain/Loss of Dependents’ Eligibility Status

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 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.

SUMMARY PAGES
6

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 31 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 benefit questions, you can contact your Benefits 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/ brownfieldisd. 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 Brownfield ISD benefit website: www.mybenefitshub.com/brownfieldisd. 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.

SUMMARY PAGES
7

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 2023 benefits become effective on September 1, 2023, you must be actively-at-work on September 1, 2023 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.

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 Benefit office to request a continuation of coverage.

SUMMARY PAGES
PLAN MAXIMUM AGE Medical To 26 Medical Supplement To 26 Health Savings Account Tax Dependent Telehealth Unmarried To 26 Dental Unmarried To 26 Vision To 26 Cancer To 26 Identity Theft Protection Unmarried To 26 Accident To 26 Life and AD&D Unmarried To 26 Critical Illness To 26 Medical Flex To 26 Dependent Flex 12 or younger or qualified individual unable to care for themselves & claimed as a dependent on your taxes
8

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 9/1/2023 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 preexisting 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 coinsurance 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).

SUMMARY PAGES
9

Description

Health Savings Account (HSA) (IRC Sec. 223)

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.

Flexible Spending Account (FSA) (IRC Sec. 125)

Allows employees to pay out-of-pocket expenses for copays, deductibles and certain services not covered by medical plan, taxfree. This also allows employees to pay for qualifying dependent care tax- free.

Employer Eligibility A qualified high deductible health plan. All employers

Cash-Outs of Unused Amounts (if no medical expenses)

Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.

Permitted, but subject to current tax rate plus 20% penalty (penalty waived after age 65).

Year-to-year rollover of account balance? Yes, will roll over to use for subsequent year’s health coverage.

Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).

No. Access to some funds may be extended if your employer’s plan contains a 2 1/2-month grace period.

FLIP TO FOR HSA INFORMATION FLIP TO FOR FSA INFORMATION PG. 31 PG. 37 SUMMARY PAGES HSA
FSA
vs.
Contribution
Employee Employee Account Owner Individual Employer Underlying Insurance Requirement High deductible health plan None Minimum Deductible $1,500 single (2023) $3,000 family (2023) N/A Maximum Contribution $3,850 single (2023) $7,750 family (2023) 55+ catch up +$1,000 $3,050 (2023)
Source
Permissible Use Of Funds
Not permitted
the account earn interest? Yes No Portable? Yes,
year-to-year and between jobs. No 10
Does
portable
Notes 11

Medical Insurance

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/brownfieldisd

TRS Monthly Premium District Contribution Employee Cost TRS ActiveCare HD Employee Only $424.00 $250 $174.00 Employee & Spouse $1,145.00 $250 $895.00 Employee & Child(ren) $721.00 $250 $471.00 Employee & Family $1,442.00 $250 $1,192.00 TRS ActiveCare Primary Employee Only $410.00 $250 $160.00 Employee & Spouse $1,107.00 $250 $857.00 Employee & Child(ren) $697.00 $250 $447.00 Employee & Family $1,394.00 $250 $1,144.00 TRS ActiveCare Primary+ Employee Only $482.00 $250 $232.00 Employee & Spouse $1,254.00 $250 $1,004.00 Employee & Child(ren) $820.00 $250 $570.00 Employee & Family $1,591.00 $250 $1,341.00 TRS ActiveCare 2 Employee Only $1,013.00 $250 $763.00 Employee & Spouse $2,402.00 $250 $2,152.00 Employee & Child(ren) $1,507.00 $250 $1,257.00 Employee & Family $2,841.00 $250 $2,591.00 West Texas Blue Essentials HMO Employee Only $865.00 $250 $615.00 Employee & Spouse $2,103.16 $250 $1,853.16 Employee & Child(ren) $1,361.42 $250 $1,111.42 Employee & Family $2,233.34 $250 $1,983.34
12
EMPLOYEE BENEFITS

TRS-ActiveCare Plan Highlights 2023-24

Learn the Terms.

• Premium: The monthly amount you pay for health care coverage.

• Deductible: The annual amount for medical expenses you’re responsible to pay before your plan begins to pay its portion.

• Copay: The set amount you pay for a covered service at the time you receive it. The amount can vary by the type of service.

• Coinsurance: The portion you’re required to pay for services after you meet your deductible. It’s often a speci ed percentage of the costs; i.e. you pay 20% while the health care plan pays 80%.

• Out-of-Pocket Maximum: The maximum amount you pay each year for medical costs. After reaching the out-of-pocket maximum, the plan pays 100% of allowable charges for covered services.

762380.0523
TRS-ActiveCare’s vast network of doctors and hospitals makes a west Texas dust storm look small.
13
Monthly Premiums Employee Only $410 $ $482 Employee and Spouse $1,107 $ $1,254 Employee and Children $697 $ $820 Employee and Family $1,394 $ $1,591 Total Premium Total Premium Your Premium How to Calculate Your Monthly Premium Total Monthly Premium Your District and State Contributions Your Premium Ask your Bene ts Administrator for your district’s speci c premiums. All TRS-ActiveCare participants have three plan options. TRS-ActiveCare Primary TRS-ActiveCare Plan Summary • Lowest premium of all three plans • Copays for doctor visits before you meet your deductible • Statewide network • Primary Care Provider (PCP) referrals required to see specialists • Not compatible with a Health Savings Account (HSA) • No out-of-network coverage • Lower deductible than • Copays for many services • Higher premium • Statewide network • PCP referrals required • Not compatible with • No out-of-network Wellness Bene ts at No Extra Cost* Being healthy is easy with: • $0 preventive care • 24/7 customer service • One-on-one health coaches • Weight loss programs • Nutrition programs • OviaTM pregnancy support • TRS Virtual Health • Mental health bene ts • And much more! *Available for all plans. See the bene ts guide for more details. Immediate Care Urgent Care $50 copay Emergency Care You pay 30% after deductible You TRS Virtual Health-RediMD (TM) $0 per medical consultation $0 TRS Virtual Health-Teladoc® $12 per medical consultation $12 2023-24 TRS-ActiveCare Plan Highlights Sept. 1, 2023 –New Rx Bene ts! • Express Scripts is your new pharmacy bene ts manager! CVS pharmacies and most of your preferred pharmacies and medication are still included. • Certain specialty drugs are still $0 through SaveOnSP. Doctor Visits Primary Care $30 copay Specialist $70 copay Plan Features Type of Coverage In-Network Coverage Only In-Network Individual/Family Deductible $2,500/$5,000 Coinsurance You pay 30% after deductible You Individual/Family Maximum Out of Pocket $7,500/$15,000 Network Statewide Network PCP Required Yes Prescription Drugs Drug Deductible Integrated with medical $200 deductible Generics (31-Day Supply/90-Day Supply)$15/$45 copay; $0 copay for certain generics Preferred You pay 30% after deductible You Non-preferred You pay 50% after deductible You Specialty (31-Day Max) $0 if SaveOnSP eligible; You pay 30% after deductible You Insulin Out-of-Pocket Costs$25 copay for 31-day supply; $75 for 61-90 day supply$25 copay for 31-day 14

Each

This plan is closed and not accepting new enrollees. If you’re currently enrolled in TRS-ActiveCare 2, you can remain in this plan. $ $424 $ $ $1,145 $ $ $721 $ $ $1,442 $ Premium Total Premium Your Premium Your Premium Total Premium Your Premium $1,013 $ $2,402 $ $1,507 $ $2,841 $
a wide
of wellness bene ts. TRS-ActiveCare 2 • Closed to new enrollees • Current enrollees can choose to stay in plan • Lower deductible • Copays for many services and drugs • Nationwide network with out-of-network coverage • No requirement for PCPs or referrals TRS-ActiveCare Primary+ TRS-ActiveCare HD than the HD and Primary plans services and drugs required to see specialists with a Health Savings Account (HSA) coverage • Compatible with a Health Savings Account (HSA) • Nationwide network with out-of-network coverage • No requirement for PCPs or referrals • Must meet your deductible before plan pays for non-preventive care $50 copay You pay 30% after deductibleYou pay 50% after deductible You pay 20% after deductible You pay 30% after deductible $0 per medical consultation $30 per medical consultation $12 per medical consultation $42 per medical consultation $50 copay You pay 40% after deductible You pay a $250 copay plus 20% after deductible $0 per medical consultation $12 per medical consultation Aug. 31, 2024 $15 copay You pay 30% after deductibleYou pay 50% after deductible $70 copay You pay 30% after deductibleYou pay 50% after deductible $30 copay You pay 40% after deductible $70 copay You pay 40% after deductible In-Network Coverage Only In-Network Out-of-Network $1,200/$2,400 $3,000/$6,000 $5,500/$11,000 You pay 20% after deductible You pay 30% after deductibleYou pay 50% after deductible $6,900/$13,800 $7,500/$15,000 $20,250/$40,500 Statewide Network Nationwide Network Yes No In-Network Out-of-Network $1,000/$3,000 $2,000/$6,000 You pay 20% after deductibleYou pay 40% after deductible $7,900/$15,800 $23,700/$47,400 Nationwide Network No deductible per participant (brand drugs only) Integrated with medical $15/$45 copay You pay 20% after deductible; $0 coinsurance for certain generics You pay 25% after deductible You pay 25% after deductible You pay 50% after deductible You pay 50% after deductible $0 if SaveOnSP eligible; You pay 30% after deductible You pay 20% after deductible 31-day supply; $75 for 61-90 day supply You pay 25% after deductible $200 brand deductible $20/$45 copay You pay 25% after deductible ($40 min/$80 max)/ You pay 25% after deductible ($105 min/$210 max) You pay 50% after deductible ($100 min/$200 max)/ You pay 50% after deductible ($215 min/$430 max) $0 if SaveOnSP eligible; You pay 30% after deductible ($200 min/$900 max)/ No 90-day supply of specialty medications $25 copay for 31-day supply; $75 for 61-90 day supply 15
includes
range

What’s New and What’s Changing

• Individual maximum-out-of-pocket decreased by $650. Previous amount was $8,150 and is now $7,500.

• Family maximum-out-of-pocket decreased by $1,300. Previous amount was $16,300 and is now $15,000.

• Individual maximum-out-of-pocket increased by $450 to match IRS guidelines. Previous amount was $7,050 and is now $7,500.

• Family maximum-out-of-pocket increased by $900 to match IRS guidelines. Previous amount was $14,100 and is now $15,000. These changes apply only to in-network amounts.

• Family deductible decreased by $1,200. Previous amount was $3,600 and is now $2,400.

• Primary care provider copay decreased from $30 to $15.

• No changes.

• This plan is still closed to new enrollees.

2022-23 Total Premium New 2023-24 Total Premium Change in Dollar Amount TRS-ActiveCare Primary Employee Only $368 $410 $42 Employee and Spouse $1,038 $1,107 $69 Employee and Children $662 $697 $35 Employee and Family $1,242 $1,394 $152 TRS-ActiveCare HD Employee Only $380 $424 $44 Employee and Spouse $1,069 $1,145 $76 Employee and Children $682 $721 $39 Employee and Family $1,279 $1,442 $163 TRS-ActiveCare Primary+ Employee Only $462 $482 $20 Employee and Spouse $1,130 $1,254 $124 Employee and Children $744 $820 $76 Employee and Family $1,421 $1,591 $170 TRS-ActiveCare 2 (closed to new enrollees) Employee Only $1,013 $1,013 $0 Employee and Spouse $2,402 $2,402 $0 Employee and Children $1,507 $1,507 $0 Employee and Family $2,841 $2,841 $0 Key Plan Changes At a Glance Primary HD Primary+ Premiums Lowest Lower Higher Deductible Mid-range High Low Copays Yes No Yes NetworkStatewide network Nationwide network Statewide network PCP Required? Yes No Yes HSA-eligible? No Yes No Effective: Sept. 1, 2023
This table shows you the changes between 2022-23 statewide premium price and this year’s 2023-24 regional price for your Education Service Center.
16

Compare Prices for Common Medical Services

*Pre-certi cation for genetic and specialty testing may apply. Contact a PHG

with questions.

Bene t TRS-ActiveCare Primary TRS-ActiveCare Primary+ TRS-ActiveCare HD TRS-ActiveCare 2 In-Network OnlyIn-Network OnlyIn-NetworkOut-of-NetworkIn-NetworkOut-of-Network Diagnostic Labs* Of ce/Indpendent Lab: You pay $0 Of ce/Indpendent Lab: You pay $0 You pay 30% after deductible You pay 50% after deductible Of ce/Indpendent Lab: You pay $0 You pay 40% after deductible Outpatient: You pay 30% after deductible Outpatient: You pay 20% after deductible Outpatient: You pay 20% after deductible High-Tech Radiology You pay 30% after deductible You pay 20% after deductible You pay 30% after deductible You pay 50% after deductible You pay 20% after deductible + $100 copay per procedure You pay 40% after deductible + $100 copay per procedure Outpatient Costs You pay 30% after deductible You pay 20% after deductible You pay 30% after deductible You pay 50% after deductible You pay 20% after deductible ($150 facility copay per incident) You pay 40% after deductible ($150 facility copay per incident) Inpatient Hospital Costs You pay 30% after deductible You pay 20% after deductible You pay 30% after deductible You pay 50% after deductible ($500 facility per day maximum) You pay 20% after deductible ($150 facility copay per day) You pay 40% after deductible ($500 facility per day maximum) Freestanding Emergency Room You pay $500 copay + 30% after deductible You pay $500 copay + 20% after deductible You pay $500 copay + 30% after deductible You pay $500 copay + 50% after deductible You pay $500 copay + 20% after deductible You pay $500 copay + 40% after deductible Bariatric Surgery Facility: You pay 30% after deductible Facility: You pay 20% after deductible Not CoveredNot Covered Facility: You pay 20% after deductible ($150 facility copay per day) Not Covered Professional Services: You pay $5,000 copay + 30% after deductible Professional Services: You pay $5,000 copay + 20% after deductible Professional Services: You pay $5,000 copay + 20% after deductible Only covered if rendered at a BDC+ facility Only covered if rendered at a BDC+ facility Only covered if rendered at a BDC+ facility Annual Vision Exam (one per plan year; performed by an ophthalmologist or optometrist) You pay $70 copayYou pay $70 copay You pay 30% after deductible You pay 50% after deductible You pay $70 copay You pay 40% after deductible Annual Hearing Exam (one per plan year) $30 PCP copay $70 specialist copay $30 PCP copay $70 specialist copay You pay 30% after deductible You pay 50% after deductible $30 PCP copay $70 specialist copay You pay 40% after deductible
www.trs.texas.gov
at 1-866-355-5999
Call a Personal Health Guide (PHG) any time 24/7 to help you nd the best price for a medical service. Reach them at 1-866-355-5999 REMEMBER: Revised 05/30/23 17

TRS contracts with HMOs in certain regions to bring participants in those areas additional options. HMOs set their own rates and premiums. They’re fully insured products who pay their own claims.

You can choose this plan if you live in one of these counties: Austin, Bastrop, Bell, Blanco, Bosque, Brazos, Burleson, Burnet, Caldwell, Collin, Coryell, Dallas, Denton, Ellis, Erath, Falls, Freestone, Grimes, Hamilton, Hays, Hill, Hood, Houston, Johnson, Lampasas, Lee, Leon, Limestone, Madison, McLennan, Milam, Mills, Navarro, Robertson, Rockwall, Somervell, Tarrant, Travis, Walker, Waller, Washington, Williamson

You can choose this plan if you live in one of these counties: Cameron, Hildalgo, Starr, Willacy

You can choose this plan if you live in one of these counties: Andrews, Armstrong, Bailey, Borden, Brewster, Briscoe, Callahan, Carson, Castro, Childress, Cochran, Coke, Coleman, Collingsworth, Comanche, Concho, Cottle, Crane, Crockett, Crosby, Dallam, Dawson, Deaf Smith, Dickens, Donley, Eastland, Ector, Fisher, Floyd, Gaines, Garza, Glasscock, Gray, Hale, Hall, Hansford, Hartley, Haskell, Hemphill, Hockley, Howard, Hutchinson, Irion, Jones, Kent, Kimble, King, Knox, Lamb, Lipscomb, Llano, Loving, Lubbock, Lynn, Martin, Mason, McCulloch, Menard, Midland, Mitchell, Moore, Motley, Nolan, Ochiltree, Oldham, Parmer, Pecos, Potter, Randall, Reagan, Reeves, Roberts, Runnels, San Saba, Schleicher, Scurry, Shackelford, Sherman, Stephens, Sterling, Stonewall, Sutton, Swisher, Taylor, Terry, Throckmorton, Tom Green, Upton, Ward, Wheeler, Winkler, Yoakum

Remember that when you choose an HMO, you’re choosing a regional network. 2023-24 Health Maintenance Organization (HMO) Plans and Premiums for Select Regions of the State REMEMBER: www.trs.texas.gov Central and North Texas Baylor Scott & White Health Plan Brought to you by TRS-ActiveCare Blue Essentials - South Texas HMO Brought to you by TRS-ActiveCare Blue Essentials - West Texas HMO Brought to you by TRS-ActiveCare
Total Monthly Premiums Total PremiumYour PremiumTotal PremiumYour PremiumTotal PremiumYour Premium Employee OnlyN/A$ N/A$ $865.00$ Employee and SpouseN/A$ N/A$ $2,103.16$ Employee and ChildrenN/A$ N/A$ $1,361.42$ Employee and FamilyN/A$ N/A$ $2,233.34$ Prescription Drugs Drug Deductible N/A N/A $150 Days Supply N/A N/A 30-Day Supply/90-Day Supply Generics N/A N/A $5/$12.50 copay; $0 for certain generics Preferred Brand N/A N/A You pay 30% after deductible Non-preferred Brand N/A N/A You pay 50% after deductible Specialty N/A N/A You pay 15%/25% after deductible (preferred/non-preferred) Immediate Care Urgent Care N/A N/A $50 copay Emergency Care N/A N/A $500 copay before deductible + 25% after deductible Doctor Visits Primary Care N/A N/A $20 copay Specialist N/A N/A $70 copay Plan Features Type of Coverage N/A N/A In-Network Coverage Only Individual/Family Deductible N/A N/A $950/$2,850 Coinsurance N/A N/A You pay 25% after deductible Individual/Family Maximum Out of Pocket N/A N/A $7,450/$14,900
Revised 05/30/23 18

Dental Insurance Cigna EMPLOYEE BENEFITS

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/brownfieldisd

Dental Coverage

Our dental plan helps you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Premium contributions are deducted from your paycheck on a pretax basis. Coverage is provided through Cigna Dental.

DPPO Plan

Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may select the dental provider of your choice, but your level of coverage may vary based on the provider you see for services. You could pay more if you use an out-ofnetwork provider.

Plan Design Total Cigna DPPO Network** Out-of-Network: Policy Year Benefits Maximum Class I, II, III, IV Expenses $1,000 Class I Applies $1,000 Class I Applies Policy Year Deductible Individual Family $50 No limited $50 No limited Class I: Preventive & Diagnostic Care Oral Evaluations Cleanings Routine X-rays Fluoride Application Sealants Space Maintainers
Non-Routine X-rays Emergency Care to Relieve Pain 100% No Deductible 100% No Deductible Class II: Basic Restorative Care Fillings Oral Surgery
Extractions of
Anesthetics Repairs - Bridges, Crowns, and Inlays Repairs - Dentures Brush Biopsy 80% After Deductible 80% After Deductible Dental Employee Only $25.41 Employee and 1 Dependent $49.49 Employee and 2 or more Dependents $85.06 19
(limited to non-orthodontic treatment)
Surgical
Impacted Teeth

Dental Insurance Cigna EMPLOYEE BENEFITS

** In Texas, the insured dental product offered by CGLIC and CHLIC is referred to as the Cigna Dental Choice Plan, and this plan utilizes the national Cigna Dental PPO network.

How to Find a Dentist

Visit https://hcpdirectory.cigna.com/ or call (800) 244-6224 to find an in-network dentist.

How to Request a New ID Card

You can request your dental id card by contacting Cigna directly at (800) 244-6224.

You can also go to www.mycigna.com and register/login to access your account. In addition, you can download the “MyCigna” app on your smartphone and access your id card right there on your phone.

In-Network Reimbursement: For services provided by a Cigna Dental PPO network dentist, Cigna Dental will reimburse the dentist according to a Fee Schedule or Discount Schedule.

Non-Network Reimbursement: For services provided by a non-network dentist, Cigna Dental will reimburse according to the Maximum Reimbursable Charge. The dentist may balance bill up to their usual fees.

Plan Design Total Cigna DPPO Network** Out-of-Network: Class III: Major Restorative Care Minor Periodontics Major Periodontics Root Canal Therapy / Endodontics Relines, Rebases, and Adjustments Crowns/Inlays/Onlays Stainless Steep/Resin Crowns Dentures Bridges 50% After Deductible 50% After Deductible Class IV: Orthodontia Coverage for Eligible Children Only Annual Maximum Lifetime Maximum 50%, No Ortho Deductible $375 $1,000 50%, No Ortho Deductible $375 $1,000 Dental Plan Reimbursement Levels Based on Contracted Fees 90th Percentile of Billed Charges Additional Member Responsibility in excess of Coinsurance None Yes, the difference between Billed Charges and the plan reimbursement
20

Vision Insurance Superior Vision

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/brownfieldisd

Co-pays apply to in-network benefits; co-pays for out-of-network visits are deducted from reimbursements.

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

2 Contact lenses and related professional services (fitting, evaliation and follow-up) are covered in lieu of eyeglass lenses and frames benefit.

Discount features

Non-Covered Eyewear Discount: Members may also receive a discount of 20% from a participating provider’s usual and customary fees for eyewear purchases which exceed the benefit coverage (except disposable contact lenses, for which no discount applies). This includes eyeglass frames which exceed the selected benefit coverage, specialty lenses, (i.e. progressives) and lens “extras” such as tints and coatings. Eyewear purchased from Walmart Vision Center does not qualify for this additional discount because of Walmart’s “Always Low Prices” policy.

The Plan discount features are not insurance. 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 Benefit Office if you have any questions.

Vision Copays Services/Frequency Employee Only $8.67 Exam $10 Exam 12 months Employee and Spouse $14.80 Materials $25 Frame 12 months Employee and Child(ren) $15.68 Lenses 12 months Employee and Family $23.54 Contact lenses 12 months Benefits through Superior Select Southwest Network In-Network Out-of-Network Exam Covered in full Up to $40 retail Frames $150 retail allowance Up to $45 retail Lenses (standard) per pair Single vision Covered in full Up to $40 retail Bifocal Covered in full Up to $60 retail Trifocal Covered in full Up to $80 retail Progressives lens upgrade See description1 Up to $80 retail Contact lenses2 $150 retail allowance Up to $105 retail Medically
Lenses Covered in full Up to $210 retail
Necessary Contact
21
EMPLOYEE BENEFITS

Cancer Insurance American Public Life

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.

EMPLOYEE BENEFITS

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

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.

Low Plan High Plan Cancer Treatment Policy Benefits Level 3 Level 4 Radiation Therapy, Chemotherapy, ImmunotherapyMaximum per 12-month period $15,000 $20,000 Hormone Therapy - Maximum of 12 treatments per calendar year $50 per treatment $50 per treatment Experimental Treatment Paid in same manner and under the same maximums as any other benefit Surgical Rider Benefits Level 1 Level 4 Surgical $30 unit dollar amount $60 unit dollar amount Max per Operation $3,000 $6,000 Anesthesia 25% of amount paid for covered surgery Bone Marrow Transplant - Maximum per lifetime $6,000 $12,000 Stem Cell Transplant - Maximum per lifetime $600 $1,200 Prosthesis - Surgical Implantation / Non-Surgical (not Hair Piece) 1 device per site, per lifetime $1,000 / $100 $3,000 / $300 Miscellaneous Care Rider Benefits Level 4 Level 4 Cancer Treatment Center Evaluation or Consultation - 1 per lifetime $750 $750 Evaluation or Consultation Travel and Lodging - 1 per lifetime $350 $350 Second / Third Surgical Opinion - per diagnosis of cancer $300 / $300 $300 / $300 Drugs and Medicine - Inpatient / Outpatient (maximum $150 per month) $150 per confinement $50 per prescription $150 per confinement $50 per prescription Hair Piece (Wig) - 1 per lifetime $150 $150 Cancer Low High Employee Only $21.25 $34.30 Employee and Spouse $38.10 $61.40 Employee and Child(ren) $26.25 $42.30 Employee and Family $39.95 $64.48
22

Cancer Insurance American Public Life EMPLOYEE

Maximum 12 trips per calendar year for all modes of transportation combined.

- Maximum 12 trips per calendar year for all modes of transportation combined.

Should you need to file a claim contact APL at (800) 256-8606 or online at www.ampublic.com

Low Plan High Plan Miscellaneous Care Rider Benefits Level 4 Level 4 Transportation
Travel
Lodging -
actual coach fare or $0.75 per mile $0.75 per mile $100 per day actual coach fare or $0.75 per mile $0.75 per mile $100 per day Family Transportation
Travel by bus, plane
train Travel by car Family Lodging - up to
calendar year actual coach fare or $0.75 per mile $0.75 per mile $100 per day actual coach fare or $0.75 per mile $0.75 per mile $100 per day Blood, Plasma and 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 Inpatient Special Nursing Services - per day of Hospital Confinement $150 per day $150 per day Outpatient Special Nursing Services - Up to same number of Hospital Confinement days $150 per day $150 per day Medical Equipment - Maximum of 1 benefit per calendar year Not included $150 Physical, Occupational, Speech, Audio Therapy & Psychotherapy / Maximum per calendar year $25 per visit / $1,000 $25 per visit / $1,000 Waiver of Premium Waive Premium Waive Premium Internal Cancer First Occurrence Rider Benefits Level 2 Level 4 Lump Sum Benefit - Maximum 1 per Covered Person per lifetime $5,000 $10,000 Lump Sum for Eligible Dependent Children - Maximum 1 per Covered Person per lifetime $7,500 $15,000 Heart Attack/Stroke First Occurrence Rider Benefits Level 1 Level 1 Lump Sum Benefit - Maximum 1 per Covered Person per lifetime $2,500 $2,500 Lump Sum for Eligible Dependent Children - Maximum 1 per Covered Person per lifetime $3,750 $3,750 Hospital Intensive Care Unit Rider Benefits Intensive Care Unit $600 per day $600 per day Step Down Unit - Maximum of 45 days per Confinement for any combination of Intensive Care Unit or Step-Down Unit $300 per day $300 per day
-
by bus, plane, or train Travel by car
up to a maximum of 100 days per calendar year
or
a maximum of 100 days per
BENEFITS 23

Accident Insurance American Public Life EMPLOYEE BENEFITS

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/brownfieldisd

Should you need to file a claim contact APL at (800) 256-8606 or online at www.ampublic.com

Accident 1 Unit 2 Units 3 Units 4 Units Employee Only $10.80 $17.10 $21.50 $24.50 Employee and Spouse $19.40 $29.80 $38.90 $44.90 Employee and Child(ren) $21.20 $34.90 $45.20 $52.00 Employee and Family $29.80 $47.60 $62.60 $72.40 Benefit Description Level 1 - 1 Unit Level 2 - 2 Units Level 3 - 3 Units Level 4 - 4 Units Accidental Death - per unit $5,000 $10,000 $15,000 $20,000 Medical Expenses Accidental Injury Benefit Actual charges up to $500 Actual charges up to $1,000 Actual charges up to $1,500 Actual charges up to $2,000 Daily Hospital Confinement Benefit $75 per day $150 per day $225 per day $300 per day Air and Ground Ambulance Benefit Actual charges up to $1,250 Actual charges up to $2,500 Actual charges up to $3,750 Actual charges up to $5,000 Accidental Dismemberment Benefit Single finger or toe Multiple fingers or toes Single hand, arm, foot, or leg Multiple hands, arms, feet, or legs $500 $500 $2,500 $5,000 $1,000 $1,000 $5,000 $10,000 $1,500 $1,500 $7,500 $15,000 $2,000 $2,000 $10,000 $20,000 Accidental Loss of Sight Benefit Loss of Sight in one eye Loss of Sight in both eyes $2,500 $5,000 $5,000 $10,000 $7,500 $15,000 $10,000 $20,000
24

Identity Theft IDWatchdog

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/brownfieldisd

Identity Theft Is Growing Better Protect You and Your Family Fraud continues to grow more complex. It is becoming harder for consumers and identity theft victims to manage the intricacies on their own. Fraudsters are taking advantage of consumers’ increased digital dependence to steal personal and financial information - doubling the amount of identity theft reports to the FTC in 2020.1

Easy & Affordable Identity Protection ID Watchdog helps warn you when your personal information is stolen and helps you better protect yourself and your family from identity fraud-when stolen information is used for illicit gain. You’ll have greater peace of mind knowing you don’t have to face the complexities of identity theft alone.

More for Families. Our family plan helps you better protect the identities of your loved ones of all ages. We offer more features that help protect minors than any other provider.

Powerful Features Included in Both ID Watchdog Plans

IDWatchdog is here for you 24/7/365. Reach our in-house customer care team at (866) 513-1518.

Control & Manage
Financial Accounts & Social Account Monitoring
Registered Sex Offender
Reporting
Customizable Alert Options
Equifax Blocked Inquiry Alerts
National Provider ID Alerts Monitor & Detect
Dark Web Monitoring
Data Breach Notifications
Monitoring
• High-Risk Transactions
Monitoring
• Subprime Loan
Monitoring
• Public Records
Monitoring
• USPS Change of Address
Profile
• Identity
Report
Tracker Support & Restore
Fully
Resolution Services
Conditions
Online Resolution Tracker
Lost Wallet Vault & Assistance
Deceased Family Member Fraud Remediation
Credit Freeze Assistance Plan-Specific Features 1B Credit Report Monitoring 1 Bureau Credit Report(s)4 & VantageScore Credit Score(s) 1 Bureau Monthly Credit Report Lock 1 Bureau Identity Theft Insurance Up to $1 Million 401K/HSA Stolen Funds ReimbursementSubprime Loan Block within the monitored lending networkSocial Account Takeover AlertsIntegrated Fraud AlertsIdentity Theft 1B Employee $7.95 Employee and Family $14.95
• Credit Score
Managed
including Pre-Existing
EMPLOYEE BENEFITS 25

Disability Insurance UNUM 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/brownfieldisd

Who is eligible?

You are eligible for Short Term Disability (STD) coverage if you are an active employee in the United States working a minimum of 20 hours per week.

How can I apply for coverage?

To apply for coverage, complete your enrollment form by 9/1/2023. If you were hired after 9/1/2023, check with your plan administrator for your eligibility date, and complete your enrollment form within 31 days of that date.

What if I am out of work when insurance goes into effect?

Insurance will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

What is my weekly benefit amount?

If you meet the definition of disability, you could receive a weekly benefit equal to 70% of your weekly earnings, to a maximum of $1,500 per week.

What is considered a pre-existing condition?

You have a pre-existing condition if:

• You received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to your effective date of coverage; and

• The disability begins in the first 12 months after your effective date of coverage.

How long do I have to wait to receive benefits?

The elimination period is the length of time you must be continuously disabled before you can receive benefits. If your disability is the result of a covered injury or sickness, you could begin receiving benefits after 10 days.

How long will my benefits last?

As long as you continue to meet the definition of disability, you may receive benefits for 12 weeks.

When would I be considered disabled?

You are disabled when Unum determines that due to your sickness or injury:

• you are limited from perform the material and substantial duties of your regular occupation; and

• you have a 20% or more loss in weekly earnings due to the same sickness or injury.

You must be under the regular care of a physician in order to be considered disabled.

*Unless the policy specifies otherwise, as part of the disability claims evaluation process, Unum will evaluate your occupation based on how it is normally preformed in the national economy, not how work is performed for a specific employer, at a specific location, or in a specific region.

Can my benefit be reduced?

Your disability benefit may be reduced by deductible sources of income and any earnings you have while disabled. Deductible sources of income may include such items as disability income or other amounts you receive or are entitled to receive under: workers’ compensation or similar occupational benefit laws; state compulsory benefit laws; automobile liability and no fault insurance; legal judgments and settlements; certain retirement plans; salary continuation or sick leave plans; other group or association disability programs or insurance; and amounts you or your family receive or are entitled to receive from Social Security or similar governmental programs.

When does my coverage end?

Your coverage under the policy ends on the earliest of:

• The date the policy or plan is cancelled;

• The date you no longer are in an eligible group;

• The date your eligible group is no longer covered;

• The last day of the period for which you made any required contributions;

• The last day you are in active employment except as provided under the covered layoff or leave of absence provision.

Short Term Disability Rate Per $10 of Weekly Benefit $1.012
26

Disability Insurance UNUM EMPLOYEE BENEFITS

Who is eligible?

You are eligible for Long Term Disability (LTD) coverage if you are an active employee in the United States working a minimum of 20 hours per week.

How can I apply for coverage?

To apply for coverage, complete your enrollment form by 9/1/2023. If you were hired after 9/1/2023, check with your plan administrator for your eligibility date, and complete your enrollment form within 31 days of that date.

What if I am out of work when insurance goes into effect?

Insurance will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

What is my monthly benefit amount?

You can elect to purchase a benefit of 45% 55% or 65% of your monthly earnings to a maximum of $6,000.

What is my maximum monthly benefit amount?

Your total monthly benefit (including all benefits provided under this plan) will not exceed 100% of your monthly earnings unless the excess amount is payable as a Cost-of-Living Adjustment. However, if you are participating in Unum’s Rehabilitation and Return to Work Assistance program, your total monthly benefit (including all benefits provided under this plan) will not exceed 110% of your monthly earnings (unless the excess amount is payable as a Cost-of-Living Adjustment).

Do I have to pay for coverage if I become disabled?

You will not be required to pay LTD premiums as long as you are receiving LTD benefits.

What is considered a pre-existing condition?

You have a pre-existing condition if:

• You received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to your effective date of coverage; and

The disability begins in the first 12 months after your effective date of coverage.

How long do I have to wait to receive benefits?

The elimination period is the length of time you must be continuously disabled before you can receive benefits. You could begin receiving LTD benefits if, after 90 days of disability, you are still disabled (as described in the definition of disability). If you return to work while satisfying the elimination period and are no longer disabled, you may satisfy the elimination period within the accumulation period – you don’t have to be continuously disabled through the elimination period, if you are

satisfying the elimination period under this provision. If you don’t satisfy the elimination period within the accumulation period, a new period of disability will begin. Accumulation Period is the period of time from the date the disability begins during which you must satisfy the elimination period. The accumulation period is two times your elimination period. During your elimination period, you will be considered disabled if you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury, and you are under the regular care of a physician. You are not required to have a 20% or more earnings loss to be considered disabled during the elimination period due to the same sickness or injury.

When does my coverage end?

Your coverage under the policy ends on the earliest of:

• The date the policy or plan is cancelled;

• The date you no longer are in an eligible group;

• The date your eligible group is no longer covered;

• The last day of the period for which you made any required contributions;

• The last day you are in active employment except as provided under the covered layoff or leave of absence provision. When would I be considered disabled?

You are disabled when Unum determines that due to your sickness or injury:

• you are unable to perform the material and substantial duties of your regular occupation; and

• you have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury. After 24 months of payments, you are disabled when Unum determines that due to the same sickness or injury:

• You are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience.

• You must be under the regular care of a physician in order to be considered disabled.

The loss of a professional or occupational license or certification does not, in itself, constitute disability. You must be under the regular care of a physician. Unless the policy specifies otherwise, as part of the disability claims evaluation process, Unum will evaluate your occupation based on how it is normally performed in the national economy, not how work is performed for a specific employer, at a specific location, or in a specific region.

Please see your plan administrator for further information on these provisions.

Unum will provide coverage for a payable claim which occurs while you are covered under the policy or plan.

Long Term Disability - per $100 in benefit 45% $1.88 55% $2.05 65% $2.60
27

Disability UNUM

Traditional LTD and STD Disability - Definitions

BENEFITS

What is disability insurance? 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.

Pre-Existing Condition Limitations - Please note that all plans will include pre-existing condition limitations that could impact you if you are a first-time enrollee in your employer’s disability plan. This includes during your initial new hire enrollment. Please review your plan details to find more information about pre-existing condition limitations.

How do I choose which plan to enroll in during my open enrollment?

You will enroll in Long Term and Short Term Disability on two separate pages during your open enrollment walkthrough. Generally your short term coverage and long term coverage work together so that once your short term coverage ends, at that time your long term coverage would begin if you are still disabled and approved to remain on your claim. In other words, your short term coverage may continue for up to 12 weeks and your long term coverage begins the 13th week.

Your short term coverage will generally be a weekly benefit. This is the maximum amount of money you will receive from the carrier on a weekly basis once your disability claim is approved by the carrier. This is generally a flat percentage of your salary.

Your long term coverage will generally be a monthly benefit. This is the maximum amount of money you will receive from the carrier on a monthly basis once your disability claim is approved by the carrier. This is generally a flat percentage of your salary.

EMPLOYEE
28

Life and AD&D OneAmerica

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/brownfieldisd

EMPLOYEE BENEFITS

Spouse rates based on Employee’s age

Basic Life

A cash benefit of $10,000 to your loved ones in the event of your death, plus a matching cash benefit if you die in an accident.1

Guaranteed coverage amount for Self $200,000

Maximum coverage amount

AD&D coverage amount

7 times your annual salary not to exceed $500,000 in increments of $10,000

Equal to the life insurance amount chosen

Guaranteed coverage amount for Spouse $50,000

Maximum coverage amount for Spouse

Accidental Death and Dismemberment (AD&D)

AD&D coverage amount

100% of the employee coverage amount

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.

Equal to the life insurance amount chosen

Guaranteed coverage amount for dependent children live birth to 6 months $1,000

Guaranteed coverage amount for dependent children 6 months to 26 years2 $10,000

1 The cash benefit increases to $50,000 for an eligible employee who waives medical coverage.

2 Dependent children must be full-time student to remain eligible ages 19 to 26 years.

Voluntary Group Life - per $10,000 in coverage Age Employee Spouse 18-24 $0.65 $1.05 25-29 $0.75 $1.05 30-34 $0.90 $1.35 35-39 $1.00 $1.35 40-44 $1.30 $2.10 45-49 $2.10 $3.30 50-54 $3.80 $6.15 55-59 $5.10 $8.70 60-64 $6.30 $10.65 65-69 $8.00 $13.65 70-74 $7.45 $12.90 75+ $13.20 $22.80
Voluntary Group Life - Child(ren)per $10,000 in coverage Age 0-26 $1.00
29

Life and AD&D OneAmerica

Guaranteed Employee Life and AD&D Insurance Coverage Amount Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $200,000 without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.

If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.

Maximum Life Insurance Coverage Amount: You can choose a coverage amount up to 7 times your annual salary ($500,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details. Your coverage will reduce to 65% of the original amount when you reach age 65; 50% of the original amount when you reach age 70.

Guaranteed Spouse Life and AD&D Insurance Coverage Amount Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 100% of your coverage amount ($50,000 maximum) for your spouse without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.

If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. You can increase this amount by up to $10,000 during the next limited open enrollment period.

Maximum Life Insurance Coverage Amount: You can choose a coverage amount up to 100% of your coverage amount ($500,000 maximum) for your spouse with evidence of insurability. Coverage will reduce to 65% of the original amount when you reach age 65; 50% of the original amount when you reach age 70.

Dependent Children Coverage You can secure term life insurance for your dependent children when you choose coverage for yourself.

Guaranteed Life Insurance Coverage Options $10,000

EMPLOYEE BENEFITS
30

Health Savings Account (HSA) HSA Bank

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/brownfieldisd

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.

Who is eligible?

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 2023 is based on the coverage option you elect:

Individual – $3,850

Family (filing jointly) – $7,750

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 HSA Bank. 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 HSA Bank are eligible for automatic payroll deduction and company contributions.

How to Use your HSA

HSA Bank Mobile App: Download to check available balances, view HSA transaction details, save and store receipts, scan items in-store to see if they’re qualified, and access customer service contact information.

myHealth PortfolioSM: Track your healthcare expenses, manage receipts and claims from multiple providers, and view expenses by provider, description, and more.

Account preferences: Designate a beneficiary, add an authorized signer, order additional debit cards, and keep important information up to date.

Access online at: http://www.hsabank.com

EMPLOYEE
31
BENEFITS

Medical Supplement

American Public Life EMPLOYEE BENEFITS

ABOUT MEDICAL SUPPLEMENT

This plan provides supplemental coverage to help offset out-of-pocket costs that you may experience due to deductibles, co-payments and coinsurance of your employer’s medical plan.

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

In-Hospital Benefit Benefits include in-hospital confinement, ambulance, and in-hospital treatment for a serious mental illness (subject to a maximum of 45 days of a serious mental illness treatment per covered person per calendar year). All benefits are subject to the inhospital benefit maximum.

Outpatient Rider

Outpatient Benefit Maximum $200 per covered person per occurrence for covered services

Outpatient Benefit Covered outpatient services include:

• Ambulance

• Hospital Emergency Room

• Urgent Care Facility

• Physical Therapy Facility

• Diagnostic testing in a hospital outpatient facility or MRI facility

• Surgery in a hospital outpatient facility or freestanding outpatient surgery center

• Outpatient treatment for a serious mental illness in a hospital outpatient facility (subject to a maximum of 60 days of a serious mental illness treatment er covered person per calendar year).

All benefits are subject to the outpatient benefit maximum.

MEDlink 18-54 Low/$1,500 High/$2,500 Employee Only $15.15 $20.36 Employee and Spouse $30.31 $40.74 Employee and Child(ren) $29.56 $39.72 Employee and Family $44.71 $60.08 55+ Employee Only $22.73 $30.55 Employee and Spouse $45.47 $61.10 Employee and Child(ren) $37.13 $49.90 Employee and Family $59.86 $80.45 In-Hospital Benefit Description Low Plan High Plan In-Hospital Benefit Maximum $1,500 per covered person per confinement $2,500 per covered person per confinement
32

In-Hospital Benefit

The covered person must be covered by the other medical plan at the time any In-Hospital covered charges are incurred. A covered person is a person who is eligible for coverage under the certificate and for whom the coverage is in force. Eligible dependents include a lawful spouse who is covered as a dependent under the Other Medical Plan and/or a child (natural, adopted or step) who is covered as a dependent under the Other Medical Plan and who is under 26 years of age and/or any minor under the insured’s charge, care and control, who has been place for adoption and is under 26 years of age. Eligible dependent also includes; any child under 26 years of age for who the insured must provide medical support under an order issued under Section 14.061, Family Code, or enforceable by a court in Texas; grandchildren if those children are dependents for federal income tax purposes at the time of application and/or any minor if the insured is a party in a suit in which the adoption of the child is sought. The in-hospital benefit pays the out-of-pocket amount for inpatient covered charges incurred by a covered person for treatment while confined in a hospital as an inpatient. A hospital is not an institution, or part thereof, used as: a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. The ambulance benefit pays the out-of-pocket amount for air or ground transportation of a covered person by ambulance to a hospital or from one medical facility to another where a covered person is confined as an inpatient. A licensed ambulance company must provide the ambulance service.

Non-Duplication of Benefits

Duplication of benefits is not allowed under the policy and/or any attached riders. If a covered charge is payable under more than one benefit, only one benefit, the largest, will be payable.

Premium Changes

The premium rates may be changed by APL at the first anniversary date of the policy or any premium due date thereafter.

Optionally Renewable

The policy is renewable at the option of APL. The policyholder or APL may terminate this policy on any premium due date after the first anniversary following the policy effective date, subject to 60 days notice.

Termination of Certificate

Insurance coverage under the certificate, including any attached riders, will end on the earliest of these dates: the date the policy terminates; the end of the grace period if the premium remains unpaid; the date you no longer qualify as an insured; the date your coverage under the other medical plan ends; or the date of your death. Termination of Coverage

Insurance coverage under the certificate and/or any attached riders for a covered person will end as follows: the date the policy terminates; the date the certificate terminates; the end of the grace period if the premium remains unpaid; the end of the certificate month in which we receive a written request from you to terminate the covered person’s coverage; the date a covered person no longer qualifies as an insured or eligible dependent; or the date of the covered person’s death. APL may end the coverage of any covered person who submits a fraudulent claim.

American Public Life EMPLOYEE BENEFITS 33
Medical Supplement

Critical Illness Insurance

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/brownfieldisd

What is Critical Insurance?

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition on or after your effective date of coverage. You have the option to elect Critical Illness insurance to meet your needs. Critical Illness insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirements of minimum essential coverage under the Affordable Care Act.

Who is eligible for Critical Illness Insurance?

Active employees working at least 15 hours per week, your spouse, and your child(ren) to age 26.

Other features of Critical Illness Insurance include:

Guaranteed issue: No medical questions or tests are required for coverage.

Flexible: You can use the benefit payments for any purpose you like. Payroll deductions: Premiums are paid through convenient payroll deductions.

Portable: If you leave your current employer, you can take your coverage with you.

For what critical illnesses and conditions are benefits available?

Critical Illness Insurance provides a benefit for the following illnesses and conditions. Covered illnesses/conditions are broken out into groups called “modules”. Benefits are paid at 100% of the Maximum Critical Illness Benefit amount unless otherwise stated.

• Heart attack

• Stroke

• Coronary artery bypass (25%)

• Coma

• Major organ failure

• Permanent paralysis

• End stage renal (kidney) failure

How can Critical Illness Insurance help?

Below are a few examples of how your Critical Illness Insurance benefit could be used (coverage amounts may vary):

• Medical expenses, such as deductibles and copays

• Child-care

• Home healthcare costs

• Mortgage payment/rent and home maintenance

How to File a Claim: www.voya.com

• Click contact and services

• Select Claims and then “start a claim”

• Complete the questionnaire so that a custom claim form package can be generated for you.

• Download your claim forms.

• Fill out each form by the appropriate party.

• Father additional supporting documents.

• Submit your completed and signed forms and supporting documents.

• Upload at www.voya.com

• Click on the contact and services

• Select “Upload a form”

• Mail and or Fax information provided on the top of your claim form package.

For a complete description of your benefits, along with applicable provisions, conditions on benefit determination, exclusions and limitations, see your certificate of insurance and any riders. For questions regarding the claims process, please call (888) 238 -4840

Critical Illness Employee $5,000.00 $10,000.00 $15,000.00 $20,000.00 $25,000.00 $30,000.00 Spouse $5,000.00 $10,000.00 $15,000.00 > 29 $1.50 $3.00 $4.50 $6.00 $7.50 $9.00 > 29 $2.15 $4.30 $6.45 30-39 $2.10 $4.20 $6.30 $8.40 $10.50 $12.60 30-39 $3.05 $6.10 $9.15 40-49 $3.95 $7.90 $11.85 $15.80 $19.75 $23.70 40-49 $6.00 $12.00 $18.00 50-59 $6.45 $12.90 $19.35 $25.80 $32.25 $38.70 50-59 $10.75 $21.50 $32.25 60-64 $9.70 $19.40 $29.10 $38.80 $48.50 $58.20 60-64 $14.95 $29.90 $44.85 65-69 $13.20 $26.40 $39.60 $52.80 $66.00 $79.20 65-69 $20.30 $40.60 $60.90 70+ $25.00 $50.00 $75.00 $100.00 $125.00 $150.00 70+ $21.90 $43.80 $65.70 Child $5,000.00 $10,000.00 $0.65 $1.30
34
Voya EMPLOYEE BENEFITS

Emergency Medical Transport

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/brownfieldisd

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. After the group health plan pays its portion, MASA MTS works with providers to deliver our members’ $0 in out-of-pocket costs for emergency transport.

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

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 nonemergency 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/brownfieldisd

Emergency Transportation Emergent Plus Platinum Employee and Family $14.00 $39.00 Membership Benefits Emergent Plus Membership Platinum Membership Emergency Air Transportation   Emergent Ground Transportation   Non-Emergency Inter-Facility Transportation   Repatriation/Recuperation   Escort Transportation  Visitor Transportation  Return Transportation  Mortal Remains Transportation  Minor Return  Organ Retrieval/Organ Recipient Transportation  Vehicle Return  Pet Return  Worldwide Coverage 
EMPLOYEE BENEFITS 35
MASA

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/brownfieldisd

Telehealth

Alongside your medical coverage is access to quality telehealth services through MDLIVE. Connect anytime day or night with a board-certified doctor via your mobile device or computer. While MDLIVE does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:

• Have a non-emergency issue and are considering a convenience care clinic, urgent care clinic or emergency room for treatment

• Are on a business trip, vacation or away from home

• Are unable to see your primary care physician

When to Use MDLIVE:

At a cost that is the same or less than a visit to your physician, use telehealth services for minor conditions such as:

• Sore throat

• Headache

• Stomachache

• Cold

• Flu

• Allergies

• Fever

• Urinary tract infections

Do not use telemedicine for serious or life-threatening emergencies.

Registration is Easy

Register with MDLIVE so you are ready to use this valuable service when and where you need it.

Online: www.mdlive.com/fbs

Phone: (888) 365-1663

Mobile: download the MDLIVE mobile app to your smartphone or mobile device

Select “MDLIVE as a benefit” and “FBS” as your Employer/Organization when registering your account.

Telehealth

Employee and Family

$0.00

Telehealth MDLive EMPLOYEE
36
BENEFITS

Flexible Spending Account (FSA) Higginbotham EMPLOYEE BENEFITS

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/brownfieldisd

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 $3,050 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include:

• Dental and vision expenses

• Medical deductibles and coinsurance

• Prescription copays Hearing aids and batteries

You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).

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 babysitter 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 mid-year, 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.

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

Important FSA Rules

The maximum per plan year you can contribute to a Health Care FSA is $3,050. 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.

Flexible Spending Accounts (FSA) Individual $3,050.00 Dependent Care $5,000.00
37

Flexible Spending Account (FSA) Higginbotham EMPLOYEE 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.

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

Register on the Higginbotham Portal

• Submit claims

• Request a new or replacement Benefits Debit Card

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

Health Care FSA

Most medical, dental and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctor-prescribed over-thecounter medications)

Saves on eligible expenses not covered by insurance, reduces your taxable income

Dependent Care

FSA

Dependent care expenses (such as day care, after-school programs or elder care programs) so you and your spouse can work or attend school full-time

Higginbotham Flex Mobile App

$5,000 single

$2,500 if married and filing separate tax returns

Reduces your taxable income

Easily access your Health Care FSA on your smartphone or tablet with the Higginbotham mobile app. Search for Higginbotham in your mobile device’s app store and download as you would any other app.

• View Accounts – Includes detailed account and balance information

• Card Activity – Account information

• SnapClaim – File a claim and upload receipt photos directly from your smartphone

• Manage Subscriptions – Set up email notifications to keep up-to-date on all account and Health Care FSA debit card activity

Log in using the same username and password you use to log in to the Higginbotham Portal. Note: You must register on the Higginbotham Portal to use the mobile app.

Flexible
Account Type Eligible Expenses Annual Contribution Limits Benefit
Spending Accounts
$3,050
38
Notes 39

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 Brownfield 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 Brownfield 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/BROWNFIELDISD 2023
- 2024 Plan Year
40

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