2023-24 Frisco ISD Benefit Guide

Benefit Contact Information

FRISCO ISD BENEFIT ADMINISTRATORS DENTAL

Financial Benefit Services (800) 583-6908

www.mybenefitshub.com/friscoisd

FRISCO ISD BENEFITS OFFICE

Frisco ISD Benefits Manager

Amee Dalal Benefits Office (469) 633-6360 benefits@friscoisd.org

FRISCO ISD CSR

Frisco ISD CSR

Mary Kempa (469) 633-6373 kempam@friscoisd.org

Cigna Group #3339989 (800) 244-6224

www.mycigna.com

DISABILTY

AUL a OneAmerica Company Policy #G00614159

(800) 537-6442

www.oneamerica.com

LEGAL PLANS

MetLife Legal Plans (800) 821-6400

members.legalplans.com

Access Code: 9310010

FRISCO ISD WELLNESS VISION

(469) 633-6379

wellness@friscoisd.org sites.google.com/friscoisd.org/fisdwellness/home*

EyeMed Vision Care Group #VC-19 (888) 581-3648

www.eyemedvisioncare.com

TRS ACTIVECARE MEDICAL CANCER

Blue Cross Blue Shield (866) 355-5999 www.bcbstx.com/trsactivecare

TRS HMO MEDICAL

Scott & White HMO (800) 321-7947

trs.swhp.org

TELEHEALTH

MDLive

(888) 365-1663

www.mdlive.com/fbsbh

HEALTH SAVINGS ACCOUNT (HSA)

EECU

(800) 333-9934

www.eecu.org

PET INSURANCE

MetLife

(800) 436-6388

http://www.metlifepetinsurance.com/friscoisd

APL Group #24763

(800) 256-8606

www.ampublic.com

IDENTITY THEFT

Aura Identity Guard

(855) 443-7748

https://my.aura.com/

CRITICAL ILLNESS

UNUM

Group #473142 011

(800) 583-6908

www.unum.com

HOSPITAL INDEMNITY

Cigna Group #HC961351

(800) 754-3207

www.cigna.com

MEDICAL TRANSPORT

MASA Group #MKFRISC (800) 423-3226

www.masamts.com

INDVIDUAL LIFE

5Star Life Insurance Company (866) 863-9753

Policy # 02484

http://5starlifeinsurance.com

BASIC LIFE/VOLUNTARY LIFE AND AD&D

AUL a OneAmerica Company Policy #G00614159 (800) 537-6442

www.oneamerica.com

FLEXIBLE SPENDING ACCOUNT (FSA)

Higginbotham (866) 419-3519

https://flexservices.higginbotham.net/

COBRA (MEDICAL)

bSwift (877) 927-9438

COBRA (DENTAL & VISION)

Higginbotham (866) 419-3519

https://flexservices.higginbotham.net/

PHARMACY

Express Scripts

Employee: (800) 282-2881

Accredo Specialty Drugs: (877) 222-7336

express-scripts.com

RETIREMENT PLANNING

TCG - HUB

International

(800) 943-9179

tcgservices.com

Finpath (Financial Wellness)

(833) 777-6545

finpathwellness.com/

* On personal devices you must be logged in with your FISD email address under Google Chrome to open the wellness website.

Annual Benefit Enrollment

Benefit Updates - What’s New:

• GREAT NEWS!!! Effective 9/1/2023, the District will pay for $10,000 Basic Life and AD&D for all eligible employees in an allocated budgetary position (FTE) guaranteeing 20+ hours a week. All eligible employees working 20+ hours per week will need to login to designate a beneficiary for this FREE life insurance.

• The out-of-pocket expenses on the Primary and Primary+ plans will REDUCE, but the TRS Medical premiums will increase effective September 1, 2023; you can review the new premium chart on the Benefit portal under the Medical tab.

• The new pharmacy plan through TRS will be with Express Scripts. All enrollees will receive a new ID card for pharmacy use.

• Primary + PCP and mental health copays decrease from $30 to $15

• Primary and Primary+ Teledoc virtual mental health visits decrease from $70 to $0

• Primary+ family deductible decrease from $3,600 to $2,400

• Primary maximum out of-pocket decrease from $8,150 to $7,500 for Individual, and $16,300 to $15,000 for families

• The Vision premiums will also have a slight rate increase but the benefits are being enhanced effective September 1. All enrollees should expect new ID cards.

• The 5 Star Life Individual Permanent Life plans will be offered on a guarantee issue enrollment this year. The policy premiums will never increase or decrease and the policies can be taken with you if you leave the district at the same cost. Coverage can be purchased on an eligible family member without the employee coverage in place. The guarantee issue limits are $100,000 for the employee, $30,000 for spouse and $10,000 for children.

• The MASA Emergency Transport plan will be offered with a two tiered cost as of 9/1. New rates are Employee Only = $9.00 and Employee Family = $15.00 per month.

• NEW OFFERING! The district is now making Pet Insurance available! The plan is offered through MetLife and the cost will be determined by the number of pets covered and free quotes are available. Payment will be made through direct pay on the MetLife website or mobile app.

Don’t Forget!

• Login and complete your benefit enrollment from 07/24/2023 - 08/11/2023

• Enrollment assistance is available by calling Financial Benefit Services at (866) 914-5202.

• Update your information: home address, phone numbers, email, and beneficiaries in the EAC.

• 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.

Annual Benefit Enrollment

Section 125 Cafeteria Plan Guidelines

A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.

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

CHANGES IN STATUS (CIS): QUALIFYING EVENTS

Marital Status

Change in Number of Tax Dependents

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

Eligibility for Government Programs

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.

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

Annual Benefit Enrollment

Annual Enrollment

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

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

• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.

• Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.

New Hire Enrollment

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

Q&A

Who do I contact with Questions?

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

Where can I find forms?

For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/friscoisd 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 Frisco ISD benefit website: www.mybenefitshub.com/friscoisd. Click on the benefit plan you need information on (i.e., Dental) and you can find provider search links under the Quick Links section.

When will I receive ID cards?

If the insurance carrier provides ID cards, you can expect to receive those 3-4 weeks after your effective date. For most dental and vision plans, you can login to the carrier website and print a temporary ID card or simply give your provider the insurance company’s phone number and they can call and verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card.

If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.

Annual Benefit Enrollment

Employee Eligibility Requirements

Supplemental Benefits: All eligible employees in an allocated budgetary position (FTE) guaranteeing 20+ hours a 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.

AD&D To age 26

Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.

Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on spouse eligibility.

FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance.

Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Financial Benefit Services, or contact the insurance carrier for additional information on dependent eligibility.

Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Financial Benefit Services, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.

If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage.

Helpful Definitions

Actively-at-Work

You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 9/1/2023 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).

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).

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

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

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/friscoisd

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.

You bet your boots big things happen here, including TRS-ActiveCare’s large network of doctors and hospitals.

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.

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.

Compare Prices for Common Medical Services

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

with questions.

2023-24 Health Maintenance Organization (HMO) Plans and Premiums for Select Regions of the State

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

Health Savings Account (HSA)

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/friscoisd

A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs – it is also a tax-exempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs.

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

HSA Eligibility

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

• Enrolled in an HSA-eligible HDHP

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

• Not enrolled in a Health Care Flexible Spending Account

• 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 by the 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 EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.

Important HSA Information

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

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

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

How to Use your HSA

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

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

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

• Stop by a local EECU financial center for in-person assistance: www.eecu.org/locations

Flexible Spending Account (FSA) Higginbotham

ABOUT FSA

A Flexible Spending Account allows you to pay for eligible healthcare expenses with a pre-loaded debit card. You choose the amount to set aside from your paycheck every plan year, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a $610 rollover or grace period provision).

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

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 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.

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.

• You can continue to file claims incurred during the plan year for another 90 days after August 31st.

• 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 Account (FSA)

Higginbotham

• The IRS has amended the “use it or lose it rule” to allow you to carry-over up to $610 in your Health Care FSA into the next plan year. The carry-over rule does not apply to your Dependent Care FSA.

Over-the-Counter Item Rule Reminder

Health care reform legislation requires that certain over-the-counter (OTC) items require a prescription to qualify as an eligible Health Care FSA expense. You will only need to obtain a one-time prescription for the current plan year. You can continue to purchase your regular prescription medications with your FSA debit card. However, the FSA debit card may not be used as payment for an OTC item, even when accompanied by a prescription.

Higginbotham Portal

The Higginbotham Portal provides information and resources to help you manage your FSAs.

• Access plan documents, letters and notices, forms, account balances, contributions and other plan information

• Update your personal information

• Utilize Section 125 tax calculators

• Look up qualified expenses

• Submit claims

• Request a new or replacement Benefits Debit Card Register on the Higginbotham Portal

Visit https://flexservices.higginbotham.net and click Register. Follow the instructions and scroll down to enter your information.

• Enter your Employee ID, which is your Social Security number with no dashes or spaces.

• Follow the prompts to navigate the site.

• If you have any questions or concerns, contact Higginbotham:

» Phone – 866-419-3519

» Email – flexclaims@higginbotham.net

» Fax – 866-419-3516

Higginbotham Flex Mobile App

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 in order to use the mobile app.

Hospital Indemnity

ABOUT HOSPITAL INDEMNITY

This is an affordable supplemental plan that pays you should you be inpatient 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/friscoisd

Hospital Care coverage provides a benefit according to the schedule below when a Covered Person incurs a Hospital stay resulting from a Covered Injury or Covered Illness

Who Can Elect Coverage:

You: All active, full-time Employees of the Employer who are regularly working in the United States a minimum of 20 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens and their Spouse, Domestic Partner, or Civil Union Partner and Dependent Children who are United States citizens or permanent resident aliens and who are residing in the United States. You will be eligible for coverage on the first of the month following date of hire or Active Service. Your Spouse/Domestic Partner: 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 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 this summary to understand the terms, conditions, state variations, exclusions and limitations applicable to these benefits. See your Certificate of Insurance for more information.

Benefit Waiting Period:* None, unless otherwise stated. No benefits will be paid for a loss which occurs during the Benefit Waiting Period.

- Limited to 1 day, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.

Nursery Care

- Limited to 30 days, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.

Wellness Treatment, Health Screening Test and Preventative Care Incentive Benefit*

Examples include (but are not limited to) routine gynecological exams, general health exams, mammography, and certain blood tests. Also includes COVID-19 Immunization, Tests, and Screenings. Virtual Care accepted.

Hospital Indemnity Cigna EMPLOYEE BENEFITS

Portability Feature:* You, your spouse, and child(ren) can continue 100% of your coverage 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.

NOTE: The following are some of the important policy provisions, terms and conditions that apply to benefits described in the policy. This is not a complete list. See your Certificate of Insurance for more information.

Benefit Amounts Payable: Benefits for all Covered Persons are payable at 100% of the Benefit Amounts shown, unless otherwise stated. Late applicants, if allowed under this plan, may be required to provide medical evidence of insurability.

Benefit-Specific Conditions, Exclusions & Limitations (Hospital Care):

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).

Hospital Chronic Condition Admission: Must be admitted as an Inpatient due to a covered chronic condition and treatment for a 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.

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.

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/friscoisd

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.

MDLIVE Behavioral Health:

Managing stress or life changes can be overwhelming but it’s easier than ever to get help right in the comfort of your own home. Visit a counselor or psychiatrist by phone, secure video, or MDLIVE App.

• Talk to a licensed counselor or psychiatrist from your home, office, or on the go!

• Unlimited, confidential online consultations for a variety of counseling needs with no copay.

• 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

Dental Insurance Cigna

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/friscoisd

DPPO Plans

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.

How to Find a Dentist

Visit https:// hcpdirectory.cigna.com/ or call 800-244-6224 to find an in-network dentist. Your network will be Total Cigna DPPO.

How to Request a New ID

Card

You can request your dental id card by contacting Cigna directly at 800-2446224. 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.

III: Major Restorative

and Onlays, Prosthesis Over Implant,

prefabricated stainless steel / resin, Crowns: permanent cast and porcelain, Bridges and Dentures, Oral Surgery: major, Anesthesia: general and IV sedation, Endodontics: minor and major, Periodontics: minor and major, Denture Relines, Rebases and Adjustments, Repairs: Bridges, Crowns and Inlays, Repairs: Dentures

Dental Insurance Cigna EMPLOYEE BENEFITS

Cigna Dental BASIC Plan

Class I: Diagnostic & Preventive Oral Evaluations, Prophylaxis: routine cleanings, X-rays: routine, Fluoride Application, Sealants: per tooth, Space Maintainers: non-orthodontic

Class II: Basic Restorative Restorative: fillings, Oral Surgery: minor, X-rays: nonroutine, Emergency Care to Relieve Pain

Class III: Major Restorative Inlays and Onlays, Prosthesis Over Implant, Crowns: prefabricated stainless steel / resin, Crowns: permanent cast and porcelain, Bridges and Dentures, Oral Surgery: major, Anesthesia: general and IV sedation, Endodontics: minor and major, Periodontics: minor and major, Denture Relines, Rebases and Adjustments, Repairs: Bridges, Crowns and Inlays, Repairs: Dentures

DHMO PLAN

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

For services provided by a non-network dentist, Cigna Dental will reimburse according to the Maximum Reimbursable Charge. The MRC is calculated at the 90th percentile of all provider submitted amounts in the geographic area. The dentist may balance bill up to their usual fees.

If you enroll in the DHMO plan, you must select a Primary Care Dentist (PCD) from the DHMO network directory to manage your care. Each eligible dependent may choose their own PCD. The Patient Charge Schedule applies only when covered dental services are performed by your network dentist. Not all Network Dentist perform all listed services and it is suggested to check with your Network Dentist in advance of receiving services. Dental services are unlimited; you pay fixed co-pays, there are no deductibles and there are no claim forms to file. There is no

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

Payment will be reduced by 50% for Class III services for 12 months for eligible members that are allowed to enroll in this plan outside of the designated open enrollment period. This provision does not apply to new hires.

coverage for services provided without a referral from your PCD or if you seek care from out-of-network providers. Please refer to link below for patient charge schedule details on your benefit website: www.mybenefitshub.com/friscoisd

How do I find an In-network Dentist?

Visit:

Care DHMO.

Vision Insurance

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/friscoisd

For a complete list of in-network providers near you, use our Enhanced Provider Locator on www.eyemed.com or call 1.866.804.0982

Savings plus convenience plus choice

PLUS Providers add another layer of coverage

$0 Exam copay

$200 Frame allowance

Staying in-network helps you save money on eye exams, frames and lenses. Visiting a PLUS Provider is designed to help you save even more.

And since PLUS Providers are already in our network, the additional perks are built right into your vision benefits. No promo codes, no coupons, no paperwork. The same vision benefits, plus a little more savings.

Disability Insurance OneAmerica

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/friscoisd

What you need to know about your Group Educator Disability Benefits

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

Maximum Benefit Duration: This is the length of time that you may be paid benefits if continuously disabled as outlined in the contract.

Pre-Existing Condition Period: Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage. A limited benefit will be paid if the Person’s Disability begins in the first 12 months following the Person’s Individual Effective Date of Insurance; and the Person’s Disability is caused by, contributed to by, or the result of a condition for which the Person received medical advice or treatment in the 3 months just prior to the Person’s Individual Effective Date of Insurance.

Disability OneAmerica

Educator Disability - Definitions

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. This type of disability plan is called an educator disability plan and includes both long and short term coverage into one convenient plan.

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 preexisting condition limitations.

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

1. First choose your elimination period. The elimination period, sometimes referred to as the waiting period, is how long you are disabled and unable to work before your benefit will begin. This will be displayed as 2 numbers such as 0/7, 14/14, 30/30, 60/60, 90/90, etc.

The first number indicates the number of days you must be disabled due to Injury and the second number indicates the number of days you must be disabled due to Sickness

When choosing your elimination period, ask yourself, “How long can I go without a paycheck?” Based on the answer to this question, choose your elimination period accordingly.

Important Note- some plans will waive the elimination period if you choose 30/30 or less and you are confined as an inpatient to the hospital for a specific time period. Please review your plan details to see if this feature is available to you.

2. Next choose your benefit amount. This is the maximum amount of money you would receive from the carrier on a monthly basis once your disability claim is approved by the carrier.

When choosing your monthly benefit, ask yourself, “How much money do I need to be able to pay my monthly expenses?” Based on the answer to this question, choose your monthly benefit accordingly.

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/friscoisd

As of September 1, FISD will provide $10,000 of Life and AD&D for all employees who in an allocated budgetary position, (FTE) working 20+ hours/week

What you need to know about your Voluntary Term Life Benefits

Flexible Options: Employee: $10,000 to $500,000, in $10,000 increments, not to exceed 7 times your annual salary Spouse: $5,000 to $200,000, in $5,000increments, not to exceed 100% of the employee’s amount

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

Guaranteed Issue: Employee: $400,000 | Spouse: $80,000 | Child: $10,000

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

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

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

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

Flexible AD&D Options: Employee: Up to $500,000, in $10,000 increments

Spouse: 60% of the employee AD&D benefit, 50% if child included

Child: 15% of the employee AD&D benefit, 10% if spouse included, not to exceed $30,000

AD&D Guaranteed Issue: Employee: $500,000 | Spouse: $300,000 | Child: $30,000

Accidental Death and Dismemberment (AD&D): If AD&D is selected, additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract.

Dependent AD&D Coverage: Optional dependent AD&D coverage is available to eligible employees. You must select employee coverage in order to cover your spouse and/or child(ren). If employee AD&D is declined, no dependent AD&D will be included.

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

65 70

to: 65% 50%

Cancer Insurance APL

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/friscoisd

Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non-medical expenses, such as out-of-town treatments, special diets, daily living and household upkeep. In addition to these non-medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance through American Public Life helps pay for these direct and indirect treatment costs so you can focus on your health.

Should you need to file a claim contact APL at 800-256-8606 or online at www.ampublic.com . You can find additional claim forms and materials at www.mybenefitshub.com/friscoisd

Pre-Existing Condition Exclusion: Review the Benefit Summary page that can be found at www.mybenefitshub.com/friscoisd for full details.

Critical Illness Insurance Unum EMPLOYEE BENEFITS

ABOUT CRITICAL ILLNESS

Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.

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

Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness. To file a claim call UNUM at 800-858-6843 or find claim form at www.mybenefitshub.com/friscoisd

Who is eligible for this coverage? All employees in active employment in the United States working at least 20 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status).

What are the Critical Illness coverage amounts?

The following coverage amounts are available.

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

For your Spouse and Children: 50% of employee coverage amount

Can I be denied coverage? Coverage is guarantee issue.

When is coverage effective? Please see your Plan Administrator for your effective date of coverage. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. What critical

Critical Illness Insurance

Pre-existing Conditions

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

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

• a pre-existing condition; or

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

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

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

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

• symptoms existed.

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

Individual Life Insurance

ABOUT INDIVIDUAL LIFE

Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire.

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

Enhanced coverage options for employees. Easy and flexible enrollment for employers. The 5Star Life Insurance Company’s Family Protection Plan offers both Individual and Group products with Terminal Illness coverage to age 121, making it easy to provide the right benefit for you and your employees.

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

TERMINAL ILLNESS ACCELERATION OF BENEFITS Coverage that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).

PORTABLE Coverage continues with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly.

CONVENIENCE Easy payments through payroll deduction.

FAMILY PROTECTION Coverage is available for spouses and financially dependent children, even if the employee doesn’t elect coverage on themselves.

*Financially dependent children 14 days to 23 years old.

PROTECTION TO COUNT ON Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.

QUALITY OF LIFE Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following:

• Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or

• Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.

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

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

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

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

Identity Theft Aura Identity Guard

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/friscoisd

Help protect yourself with the most, comprehensive identity theft protection available today.

Identity Guard combines the best of traditional identity theft monitoring solutions, with the powerful processing of IBM Watson technology.

We scan billions of online sources to assess your risk and suggest ways to reduce your exposure.

Did You Know?

• ID theft happens every two seconds

• Account takeover fraud tripled in 2018

• 16.7M victims in 2017

Personal Cybersecurity to Alert You to:

1. Personal habits that put you at greater risk than the average person

2. Threats due to companies getting hacked and losing your personal information, phishing scams, and more

3. Your personal information being used to open new accounts and access existing accounts

We Work Around the Clock to Help Protect

You

• Dedicated Support: Makes a stressful situation as easy as possible to resolve.

• $1 Million Insurance with Stolen Funds Reimbursement: You are covered from any losses or stolen funds.

• Cover the Entire Household: Family plans cover all adults and children residing within your household

• Leading Technology: Alerts in as few as three seconds, billions of pieces of information monitored, and IBM Watson artificial intelligence (AI) technology.

Emergency Medical Transport MASA EMPLOYEE BENEFITS

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/friscoisd

EMERGENT PLUS MEMBERSHIP BENEFITS

A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation assistance expenses within the continental United States, Alaska, Hawaii, and while traveling in Canada, regardless of whether the provider is in or out of your group healthcare benefi ts network. After the group health plan pays its portion, MASA works with providers to make certain our Members have no out-of-pocket expenses~ for emergency ambulance transportation assistance and other related services.

Emergency Air Ambulance Coverage1

MASA MTS covers out-of-pocket expenses associated with emergency air transportation to a medical facility for serious medical emergencies deemed medically necessary for you or your dependent family member.

Emergency Ground Ambulance Coverage1

MASA MTS covers out-of-pocket expenses associated with emergency ground transportation to a medical facility for serious medical emergencies deemed medically necessary for you or your dependent family member.

Hospital to Hospital Ambulance Coverage1

MASA MTS covers out-of-pocket expenses that you or a dependent family member may incur for hospital transfers, due to a serious emergency, to the nearest and most appropriate medical facility when the current medical facility cannot provide the required level of specialized care by air ambulance to include medically equipped helicopter or fixed-wing aircraft.

Repatriation to Hospital Near Home Coverage1

MASA MTS provides services and covers out-of-pocket expenses for the coordination of a Member’s non- emergency transportation by a medically equipped, air or ground ambulance in the event of hospitalization more than one hundred (100) miles from the Member’s home if the treating physician and MASA MTS’ Medical Director says it’s medically appropriate and possible to transfer the Member to a hospital nearer to home for continued care and recuperation.

Should you need assistance with a claim contact MASA at 800-643-9023.

Note: 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.

1. United States and Canada Only – Emergency Air Ambulance Coverage, Emergency Ground Ambulance Coverage, and Hospital to Hospital Ambulance Coverage benefits shall only be provided in the United States and Canada.

Legal Services

ABOUT LEGAL SERVICES

Legal plans provide benefits that cover the most common legal needs you may encounter - like creating a standard will, living will, healthcare power of attorney or buying a home.

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

Legal experts on your side, whenever you need them

Quality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney you trust. For a monthly fee, you can have a team of top attorneys ready to help you take care of life’s planned and unplanned legal events.

MetLife Legal Plans, formerly known as Hyatt Legal Plans, gives you access to experts who can assist you with a broad range of personal legal needs you might face throughout your life. This could be when you’re buying or selling a home, starting a family, dealing with identity theft, or caring for aging parents.

You may be thinking — why would top attorneys need or want to join a legal plan network? But even experienced attorneys need to grow their practice. By providing exceptional service to you and other plan members, they can gain more clients through your referrals. That’s how we’ve established a large network of highly experienced attorneys, averaging 25 years of experience. Reduce the out of pocket cost of legal services with MetLife Legal Plans.

How it works

Our service is tailored to your needs. With network attorneys available in person, by phone, or by email and online tools to doit-yourself or plan your next move — we make it easy to get legal help. And, you will always have a choice in which attorney to use. You can choose one from our network of prequalified attorneys, or use an attorney outside of our network and be reimbursed some of the cost.

Best of all, you have unlimited access to our attorneys for all legal matters covered under the plan. For a monthly premium conveniently paid through payroll deduction, an expert is on your side as long as you need them.

When you need help with a personal legal matter, MetLife Legal Plans is there for you to help make it a little easier.

For additional protection, your spouse and dependent children are also covered.

Our attorneys are here to help when you’re:

• Getting married

• Buying or selling a home

• Starting a family

• Dealing with identity theft

• Sending kids off to college

• Caregiving for aging parents

• And more

Helping you navigate life’s planned and unplanned events.

For $19.50 a month, you get legal assistance for some of the most frequently needed personal legal matters —with no waiting periods, no deductibles and no claim forms, when using a network attorney for a covered matter.

To learn more, visit info.legalplans.com and enter access code 9310010 or call 800.821.6400

Monday – Friday 8:00 am – 8:00 pm (ET).

Money Matters

Home & Real Estate

• Debt Collection Defense

• Identity Theft Defense

• Negotiations with Creditors

• Boundary & Title Disputes

• Deeds

• Eviction Defense

• Foreclosure

• Codicils

• Complex Wills

Estate Planning

Family & Personal

• Healthcare Proxies

• Living Wills

• Adoption

• Affidavits

• Conservatorship

• Demand Letters

• Divorce - 20 hours

• Enforcement or Modification of Support Order

• Garnishment Defense

• Administrative Hearings

• Personal Bankruptcy

• Promissory Notes

• Home Equity Loans

• Mortgages

• Property Tax Assessments

• Refinancing of Home

• Powers of Attorney (Healthcare, Financial, Childcare, Immigration)

• Guardianship

• Immigration Assistance

• Juvenile Court Defense, Including Criminal Matters

• Name Change

• Parental Responsibility Matters

• Personal Property Protection

• Tax Audit Representation

• Tax Collection Defense

• Sale or Purchase of Home

• Security Deposit Assistance

• Tenant Negotiations

• Zoning Applications

• Revocable & Irrevocable Trusts

• Simple Wills

• Prenuptial Agreement

• Protection from Domestic Violence

• Review of ANY Personal Legal Document

• School Hearings

Civil Lawsuits

• Civil Litigation Defense

Elder-Care Issues Consultation & Document Review for your parents:

• Deeds

• Leases

• Defense of Traffic Tickets

• Driving Privileges Restoration

•

•

• Disputes Over Consumer Goods & Services

• Incompetency Defense

• Medicaid

• Medicare Notes

• Nursing Home Agreements

•

•

•

• Pet Liabilities

• Small Claims Assistance

• Powers of Attorney

• Prescription Plans

• Wills

•

Pet Insurance Carrier Name EMPLOYEE BENEFITS

ABOUT PET INSURANCE

You love your pet and consider them a member of your family. Pet insurance provides pet parents resources to keep your pet safe and healthy while avoiding financial crisis due to unexpected pet medical emergencies.

For full plan details, please visit the carrier website: www.metlifepetinsurance.com/friscoisd

Help protect your pet from costly vet bills

More than ever, pets play such a huge role in our lives. We want to do everything to keep them safe and healthy. Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet lnsurance.

Visits to the vetcan be unpredictable and expensive. Pet parents spend over $29.3 billion on vetcare annually. 24% of pet parents have gone into credit card or personal loan debt as a result.

A small monthly payment can help you prepare for those unexpected vet expenses down the road.

Why MetLife Pet Insurance?

• Flexible offerings with straightforward pricing

• Quick 3-step enrollment and hassle-free claims

• An experienced team of pet advocates

Product Overview

Pet Insurance can help reimburse you for covered vet visits, accidents, illness and more. Plus, it can help keep your pet safe and healthy with preventive care like X-rays and ultrasounds.

Why needed

• The average annual cost for a routine vet visit is $212 for a dog and $160 for a cat.

• The average annual cost for a surgical vetvisit is $426 for a dog and $214 for a cat.

• A small monthly payment can help plan for these expenses.

• Pet insurance may not cover pre- existing conditions, so enroll your pet when they’re healthy

Flexible coverage

Choose the plan that works for you and your pet. Options include:

• Levels of coverage from $500-unlimited

• $0-$2,500 deductible options

• Reimbursement percentages from 50%-100%

What is Covered

• accidental injuries

• illnesses

• exam fees

• surgeries

• medications

• ultrasounds

• hospital stays

• X-rays and diagnostic tests

Coverage also includes

• hip dysplasia

• hereditary conditions

• congenital conditions

• chronic conditions

• alternative therapies

• holistic care

• and much more

Additional value

• Take your pet to any licensed veterinarian, specialist or emergency clinic in the U.S.

• If you’re claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.10

• Group discounts are available.

Enroll today!

For questions, please call MetLife at 800.GET.METS (800.438.6388)

EMPLOYEE BENEFITS

TCG

ABOUT RETIREMENT PLANS

A 403(b) plan is a U.S. tax-advantaged retirement savings plan available for public education organizations.

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

Hardship

Available, subject to availability and any additional conditions applied by individual vendors

Designated by each vendor and not by the 403(b) plan.

Administrative Fees Fees Paid By: $1.50 per 403(b) participant per month Employer

For more information please contact TCG Administrators, the Plan Administrator, at 1-800-943-9179

Retirement Plan - 457(b)

ABOUT RETIREMENT PLANS

A 457(b) plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations or public education institutions.

EMPLOYEE BENEFITS

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

Available from another qualified plan Available to another qualified plan, upon termination of service

Available for the following: - SeparationDeath -Disability

Available as defined by the IRS for this type of plan

Available for accounts with balances of less than $5,000, and no activity for 2 years

Available, see the Loan Agreement and Application Form

Fees of Service Plan Providers

TCG Administrators, TPA

$18.50 per participants per year

0.25% of assets, paid by the participants

Matrix Trust

Custodian/Trustee

0.10%, paid by participant

A Designation of Beneficiary Form is only required if Spouse is not the Primary Beneficiary

TCG Advisors, Investment Advisor Sliding Scale (0.45%-0.25%), currently 0.35%, paid by participant

ESC Region 10, Plan Coordinator $0.10 per participant per month, paid by participant

AUL/ One Source (contact AUL regarding any questions about the fees for these accounts)*

Other Fees

$30 Distribution Fee

$50 Loan Set Up

All of the above paid by participant

For more information please contact TCG Administrators, the Plan Administrator, at 1-800-943-9179

Retirement Plan - 401a

ABOUT RETIREMENT PLANS

A 403(b) plan is a U.S. tax-advantaged retirement savings plan available for public education organizations.

A 457(b) plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations or public education institutions.

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

To view your account online: - go to www.region10rams.org

• click “Login” and select your Employer from the navigation bar

• Under the 401(a) tab, click “Login”

• The User ID is your SSN; the Password is your date of birth (mmddyyyy)

Matching Contribution Rules Vesting

Effective September 1, 2011, the Employer will match any contribution made to a 403(b) or 457(b) on behalf of the participant into the 401(a) account:

Base Match is 25% of contribution up to 1% of Base Salary

Contributions made to a Plan Participant’s account are subject to vesting requirements (the ownership of the contributions and earnings). The following schedule shows when a Participant will become the owner of the account balance.

- Record Keeper $1.40 per participant per month

Paid by Frisco ISD

Matrix Trust - Custodian

.10% of assets paid by plan assets

TCG Advisors, LP –Investment Advisor

Sliding Scale (.45%-.25% of assets) Currently .40% Paid from plan assets

ESC Region 10 - Plan Coordinator $.10 per participant per month, paid by Frisco ISD

Distribution Fee $30, paid by the participant

For more information please contact TCG Administrators, the Plan Administrator at 1-800-943-9179

Frisco ISD Wellness Programs

Frisco ISD

ABOUT FRISCO ISD WELLNESS PROGRAMS

A Wellness Program is designed to assist in improving your overall health and wellness.

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

Frisco ISD provides opportunities for employees to engage and grow in all areas of wellness including but not limited to physical, social-emotional and financial.

Highlights Include:

Employee Clinic

Employees can receive care at an onsite clinic and virtually, with virtual care available 24/7. The goal of the FISD Employee Clinic, made possible through an agreement with Children’s Health, is to reduce healthcare costs and improve access to quality care for all FISD employees. Employees are eligible whether they are insured through the District or not.

Physical Fitness

Options include the Frisco and McKinney YMCA location, the Frisco Athletic Center, BCBS Fitness, Cigna Virtual Workouts and partial reimbursement for participation at the qualified facility of your choice.

Social – Emotional

Frisco ISD’s Employee Assistance Program (EAP), provides a holistic assessment of and response to each employee’s needs. Through an extensive provider network, ComPsych supports employees through challenges and helps them prepare for the future. FISD employees can access articles and tips, videos, and experts at no cost.

Financial Wellness

Frisco ISD believes that financial wellness is a key part of overall wellness. The District provides free financial wellness resources to all employees via FinPath. Employees can schedule 1:1 time with a financial expert, access articles and videos, and attend workshops at no cost.

Frisco ISD also provides retirement planning services to FISD employees at no cost. TCG advisors can work 1-on-1 with employees to set-up retirement accounts (457b, 403b), educate about rollover options and investing, and create a plan based on unique retirement goals.

BCBS Wellness Programs (for those enrolled in the TRS Health coverage)

Includes the following services: Pregnancy Planning & Support, Total Wellness, Mental Health guide, Musculoskeletal Health

Information on all available wellness options, the Employee Clinic, Wellness Connections newsletter and calendar events are outlined on Wellness website at:

https://sites.google.com/friscoisd.org/fisdwellness/home

Miscellaneous Frisco ISD EMPLOYEE BENEFITS

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

Retirement Benefit/State & Local Days

When an employee with ten or more years of service with FISD officially retires from the Teacher Retirement System of Texas and is no longer employed by the District, the employee shall be reimbursed for unused, accumulated State and Local leave days at a rate of $50.00 per day not to exceed a maximum of $5,000.00.

Wellness Benefits:

As of 9/1 the District will receive 2 wellness days in addition to the five State and five Local Days currently provided.

Sick Leave Bank

The purpose of the Sick Leave Bank is to provide additional sick leave to members of the Bank in the event of a serious extended illness, surgery, or a temporary disability due to an injury. Days may be requested from the Bank only after the member has exhausted all accumulated state and local sick leave days. All District employees who work a minimum of 20 hours per week and are in an allocated budgetary position are eligible for membership. Membership in the Sick Leave Bank is voluntary. To become a member of the bank, an employee must contribute three days from his/her accrued local leave. Please visit the Resource Center at www.friscoisd.org/staff and search for Sick Leave Bank to review the official handbook that includes detailed information on eligibility, joining and applying for leave days.

403B/457 Voluntary Retirement Information

This is to inform you that Frisco ISD offers 403B and 457 Voluntary Retirement plans to its employees. These plans allow employees to save designated amounts of their paychecks before tax and place them into a variety of mutual funds, variable annuities and fixed annuities. All funds grow tax deferred until withdrawn and are intended to supplement your TRS Pension Plan.

As an FISD employee, you are eligible to participate in these plans through salary deferral. Please visit tcgservices.com for detailed information and enrollment instructions or contact the FISD Third Party Administrator:

TCG Group Holdings

900 South Capital of Texas Hwy, Suite 350 Austin, TX 78746

800-943-9179

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 Frisco 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 Frisco 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.