2024-25 Frisco ISD Benefit Guide

09/01/2024 - 08/31/2025 WWW.MYBENEFITSHUB.COM/FRISCOISD

Benefit Contact Information

FRISCO ISD BENEFIT ADMINISTRATORS

Higginbotham Public Sector (800) 583-6908 www.mybenefitshub.com/friscoisd

FRISCO ISD BENEFITS OFFICE

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

FRISCO ISD CSR

Frisco ISD CSR Dalia Cruz (469) 633-6373 cruzda@friscoisd.org

FRISCO ISD WELLNESS

Cigna Group #3339989 (800) 244-6224 www.cigna.com

CHUBB Policy #100000219 (888) 499-0425 mybenefitsconnect.chubb.com

PLANS

MetLife Legal Plans (800) 821-6400 members.legalplans.com Access Code: 9310010

TRANSPORT

MASA Group #MKFRISC (800) 423-3226 www.masamts.com

LIFE

5Star Life Insurance Company (866) 863-9753 Policy # 02484 http://5starlifeinsurance.com

LIFE/VOLUNTARY LIFE AND AD&D

CHUBB Policy #100000219 (888) 499-0425 mybenefitsconnect.chubb.com

SPENDING ACCOUNT (FSA) (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

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

TRS ACTIVECARE MEDICAL CANCER COBRA (MEDICAL)

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

Clever RX Group #1085 (800) 974-3135 www.cleverrx.com

TELEHEALTH

MDLive

(888) 365-1663 www.mdlive.com/fbsbh

HEALTH SAVINGS ACCOUNT (HSA)

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

PET INSURANCE

MetLife (800) 436-6388

http://www.metlifepetinsurance.com/friscoisd

CHUBB Policy #100000219 (888) 499-0425 mybenefitsconnect.chubb.com

bSwift (833) 682-8972

THEFT COBRA (DENTAL & VISION)

Aura Identity Guard (855) 443-7748 https://my.aura.com/

Cigna Group #CI112211 (800) 754-3207

www.SuppHealthClaims.com

Cigna Group #AI112293 (800) 754-3207

www.SuppHealthClaims.com

CASH

CHUBB Policy #100000219 (888) 499-0425 mybenefitsconnect.chubb.com

Higginbotham (877) 258-5419 https://flexservices.higginbotham.net/

Express Scripts Employee: (800) 282-2881 Accredo Specialty Drugs: (877) 222-7336 express-scripts.com

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.

1 www.mybenefitshub.com/friscoisd

Annual Benefit Enrollment

Benefit Updates – What’s New:

• The FISD Employee Clinic will begin to see spouses and school-age child dependents (ages 4-18) beginning 8/1 both in-person and virtually. Please be sure your dependents are added to your profile in MyBenefitsHub in order to access this benefit.

• Baylor Scott & White Health Plan HMO will not be offered by TRS in 2024-25. Current enrollees will automatically be enrolled in TRS ActiveCare Primary+ if no alternate election is made during Open Enrollment, so be sure to select an alternate medical plan.

• Our new Accident Insurance is a cash benefit paid directly to you to use however you want for an unplanned covered accident. The policy pays you an extra benefit for injuries resulting from organized sports activities, and also includes a wellness benefit.

• CleverRX is our new prescription saving card program. Express Scripts will continue as the pharmacy carrier for the TRS ActiveCare plans.

• Employee Assistance Program (EAP): We will now offer 12 free face-to-face counseling sessions!

• CHUBB will be the new carrier for the Basic, Voluntary, and AD&D Life insurance plans as well as the Disability, Hospital Cash (Indemnity), and Cancer insurance.

◦ The Voluntary Term Life, Hospital Cash and Disability premiums will all decrease.

◦ AD&D and Cancer costs will remain the same but have enhanced benefits.

Don’t Forget!

• We will no longer offer the 180-day elimination period or 30% Disability plan.

◦ If you are currently signed up and don’t select a new plan, you will be auto-enrolled in the next tier up.

• The Voluntary Term Life Insurance with Long Term Care will be offered GUARANTEED ISSUE to all eligible employees, their spouse and children this year only due to the carrier change.

◦ This means that you do not have to take a medical exam to qualify for coverage. If you enroll at the lowest amount, each year at open enrollment you can increase up to the guaranteed issue level!

• The 5Star Life Individual Permanent Life plans will be offered on a GUARANTEED ISSUE enrollment this year.

◦ The policy premiums will never increase or decrease. Coverage can be purchased on an eligible family member without the employee coverage in place.

• MD Live Telehealth with unlimited behavioral health will be offered with a two-tier rate this upcoming plan year: Employee Only and Family.

• CIGNA will be the new carrier for the Critical Illness plan with enhanced benefits and decreased premiums.

• Dental premiums with Cigna will slightly decrease effective September 1.

• Log in and complete your benefit enrollment from 07/22/2024 - 08/14/2024.

• Enrollment assistance is available by calling Higginbotham Public Sector at (866) 914-5202.

• 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 STATUS (CIS):

Marital Status

Change in Number of Tax Dependents

Change in Status of Employment Affecting Coverage Eligibility

Gain/Loss of Dependents’ Eligibility Status

Judgment/ Decree/Order

Eligibility for Government Programs

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 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.

QUALIFYING EVENTS

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.

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 Office or you can call Higginbotham Public Sector 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.

What is 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.

What is a 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 prescriptions 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).

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 2024 benefits become effective on September 1, 2024, you must be actively-at-work on September 1, 2024 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.

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 9/1/2024 please notify your benefits administrator.

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 Higginbotham Public Sector, 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 Higginbotham Public Sector, 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 Higginbotham Public Sector 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 Benefits Office 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 9/1/2024 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

Contribution Source Employee and/or employer

Account Owner Individual

Underlying Insurance Requirement High deductible health plan

Minimum Deductible

Maximum Contribution

Permissible Use Of Funds

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

Year-to-year rollover of account balance?

Does the account earn interest?

Portable?

$1,600 single (2024)

$3,200 family (2024)

$4,150 single (2024)

$8,300 family (2024) 55+ catch up +$1,000

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

Employee and/or employer

Employer

None

N/A

$3,200 (2024)

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

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

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

Yes

No. Your employer’s plan contains a $640 rollover provision.

No

Yes, portable year-to-year and between jobs. No

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

You bet your boots big things happen here, including TRS-ActiveCare’s

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.

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

• Coinsurance: The portion you’re required to pay for services after you meet your deductible. It’s often a specified percentage of the costs; e.g., 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.

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Ov er 3 0 % of

Dental Insurance

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.

Cigna Dental ENHANCED 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: non-routine, 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

Dental Insurance Cigna

Highlights

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

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.

DHMO PLAN

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 Dentists 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: https://hcpdirectory.cigna.com or call 800-244-6224 to find an in-network dentist. Your network will be Cigna Dental Care DHMO.

Frisco Independent School District

(Insight Network)

SUMMARY OF BENEFITS

Contacts - Disposable

Lenses Once every 12 months from the date of

Once every 12 months from the date of

Once every 12 months from the date of service Frame Once every 12 months from the date of service

Contact Lenses

Once every 12 months from the date of service

(Plan allows the member to receive either contacts and frame, or frame and lens services.)

Once every 12 months from the date of service

Once every 12 months from the date of service

Fees charged by a Provider for services other than a covered benefit and any local, state or Federal taxes must be paid in full by the Insured Person to the Provider. Such fees, taxes or materials are not covered under the Policy. Allowances provide no remaining balance for future use within the same Benefit Frequency. Some provisions, benefits, exclusions or limitations listed herein may vary by state. No benefits will be paid for services or materials connected with or charges arising from: medical or surgical treatment, services or supplies for the treatment of the eye, eyes or supporting structures; Refraction, when not provided as part of a Comprehensive Eye Examination; services provided as a result of any Workers' Compensation law, or similar legislation, or required by any governmental agency or program whether federal, state or subdivisions thereof; orthoptic or vision training, subnormal vision aids and any associated supplemental testing; Aniseikonic lenses; any Vision Examination or any corrective Vision Materials required by a Policyholder as a condition of employment; safety eyewear; solutions, cleaning products or frame cases; non-prescription sunglasses; plano (non-prescription) lenses; plano (non-prescription) contact lenses; two pair of glasses in lieu of bifocals; electronic vision devices; services rendered after the date an Insured Person ceases to be covered under the Policy, except when Vision Materials ordered before coverage ended are delivered, and the services rendered to the Insured Person are within 31 days from the date of such order; lost or broken lenses, frames, glasses, or contact lenses that are replaced before the next Benefit Frequency when Vision Materials would next become available. This is a snapshot of your benefits. The Certificate of Insurance is on file with your employer. Member receives a 20% discount on items not covered by the plan at In-Network locations. Discount does not apply to Provider's professional services or contact lenses. Plan discounts cannot be combined with any other discounts or promotional offers. In certain states members may be required to pay the full retail rate and not the negotiated discount rate with certain participating providers. Please see the online provider locator to determine which participating providers have agreed to the discounted rate. Discounts on vision materials may not be applicable to certain manufacturers' products. The Plan reserves the right to make changes to the products on each tier and to the member out-of-pocket costs. Fixed tier pricing is reflective of brands at the listed product level. All providers are not required to carry all brands at all levels. Services and amounts listed above are subject to change at any time.

PLUS Providers add another layer of coverage

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. The choice is yours

Find plenty of in-network eye doctors — including PLUS Providers — on our Provider Locator. Just look for the PLUS.

Need extra assistance? Contact us at 866.804.0982 or visit eyemed.com.

Accident Insurance Cigna

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/friscoisd

SUMMARY OF BENEFITS

Accidental Injury coverage provides a fixed cash benefit according to the schedule below when a Covered Person suffers certain Injuries or undergoes a broad range of medical treatments or care resulting from a Covered Accident.

Who Can Elect Coverage:

Eligibility for You, Your Spouse and Your Children will be considered by Your employer.

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 or nonUnited States citizens legally working and living in the United States (Inpats) and their Spouse, Domestic Partner, or Civil Union Partner and Dependent Children who are United States citizens or permanent resident aliens or Spouse, Domestic Partner, or

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 terms, conditions, state variations, exclusions and limitations applicable to these benefits. See your Certificate of Insurance for more information. Distributed by: Operating subsidiaries of Cigna Corporation. Insurance

Civil Union Partner or Dependent Child Inpats and who are legally residing in the United States.

You will be eligible for coverage on the first of the month after 30 days from 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: This Accidental Injury plan provides 24 hour coverage.

Accident Insurance Cigna

Care

Physician (or medical professional) Office Visit

Physical Therapy Visit

Examples: Small Lacerations (Less than or equal to 6 inches long and requires 2 or more sutures)

Large Lacerations (more than 6 inches long and requires 2 or more sutures)

Concussion

Coma (lasting 7 days with no response)

Additional Accidental Injury benefits included - See certificate for details, including limitations & exclusions. Virtual Care accepted for Initial Physician Office Visit and Follow-Up Care.

Accidental

Death and Dismemberment Benefit

Examples of benefits include (but are not limited to) payment for death from Automobile accident; total and permanent loss of speech or hearing in both ears. Actual benefit amount paid depends on the type of Covered Loss. The Spouse and Child benefit is 50% and 25% respective of the benefit shown.

Wellness Treatment, Health Screening Test & Preventive Care Benefit*

Wellness Treatment, Health Screening Test and Preventive Care Benefit:*

Benefit paid for all covered persons is 100% of the benefit shown. Also includes COVID-19 Immunization, Tests, and Screenings. Virtual Care accepted.

Sports Accident Benefit

Organized and Personal Sports Activity Limited to 10 per year

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.

Important Definitions and Policy Provisions:

Coverage Type: Benefits are paid when a Covered Injury results, directly and independently of all other causes, from a Covered Accident.

Covered Accident: A sudden, unforeseeable, external event that results, directly and independently of all other causes, in a Covered Injury or Covered Loss and occurs while the Covered Person is insured under this Policy; is not contributed to by disease, sickness, mental or bodily infirmity; and is not otherwise excluded under the terms of this Policy.

Covered Injury: Any bodily harm that results directly and independently of all other causes from a Covered Accident.

Covered Person: An eligible person who is enrolled for coverage under this Policy.

Covered Loss: A loss that is the result, directly and independently of other causes, from a Covered Accident suffered by the Covered Person within the applicable time period described in the Policy.

Hospital: An institution that is licensed as a hospital pursuant to applicable law; primarily and continuously engaged in providing medical care and treatment to sick and injured persons; managed under the supervision of a staff of medical doctors; provides 24-hour nursing services by or under the supervision of a graduate registered Nurse (R.N.); and has medical, diagnostic and treatment facilities with major surgical facilities on its premises, or available to it on a prearranged basis, and charges for its services. The term Hospital does not include a clinic,

Costs are subject to change. Actual per pay period premiums may differ slightly due to rounding.

facility, or unit of a Hospital for: rehabilitation, convalescent, custodial, educational, or nursing care; the aged, treatment of drug or alcohol addiction.

When your coverage begins: Coverage begins on the later of the program’s effective date, the date you become eligible, or the first of the month following the date your completed enrollment form is received unless otherwise agreed upon by Cigna. Your coverage will not begin unless you are actively at work on the effective date. Coverage for all Covered Persons will not begin on the effective date if hospital, facility or home confined, disabled or receiving disability benefits or unable to perform activities of daily living.

When your coverage ends: Coverage ends on the earliest of the date you and your dependents are no longer eligible, the date the group policy is no longer in force, or the date for the last period for which required premiums are paid. For your dependent, coverage also ends when your coverage ends, when their premiums are not paid or when they are no longer eligible. (Under certain circumstances, your coverage may be continued. Be sure to read the provisions in your Certificate.)

30 Day Right To Examine Certificate: If a Covered Person is not satisfied with the Certificate for any reason, it may be returned to us within 30 days after receipt. We will return any premium that has been paid and the Certificate will be void as if it had never been issued.

Cancer Insurance CHUBB

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

Cash benefits when you need them most — Cancer Insurance from Chubb

A cancer diagnosis and treatment can be an emotionally and physically difficult time. Chubb is there to help support you by providing cash benefits paid directly to you. Benefits are paid if you are diagnosed with cancer, but also help cover many other cancer-related services such as doctor’s visits, treatments, specialty care, and recovery. However, there are no restrictions on how to use these cash benefits—so you can use them as you see fit.

Choose the right level of coverage during the enrollment period to better protect your family.

Cash benefits for every step of the way

Diagnosis of cancer

Employee or spouse: $2,500

Child(ren): $3,750

Waiting period: 0 days

Benefit reduction: none

Employee or spouse:

$100 per day – days 1 through 30

Additional days: $200

Hospital confinement

Hospital confinement ICU

Radiation therapy, chemotherapy, immunotherapy

Alternative care

Medical imaging

Child(ren): $200 per day – days 1 through 30

Additional days: $200

Maximum days per confinement: 31

$600 per day – days 1 through 30

Additional days: $600

Maximum days per confinement: 31

Maximum per covered person per calendar year 12-month period: $10,000

$75 per visit

Maximum visits per calendar year: 4

$500 per imaging study

Maximum studies per calendar year: 2

Employee or spouse: $2,500

Child(ren): $3,750

Waiting period: 0 days

Benefit reduction: none

Employee or spouse:

$200 per day – days 1 through 30

Additional days: $400

Child(ren): $200 per day – days 1 through 30

Additional days: $200

Maximum days per confinement: 31

$600 per day – days 1 through 30

Additional days: $600

Maximum days per confinement: 31

Maximum per covered person per calendar year 12-month period: $20,000

$75 per visit

Maximum visits per calendar year: 4

$500 per imaging study

Maximum studies per calendar year: 2

Cancer Insurance CHUBB

Renewability

Portability

Conditionally Renewable Coverage is automatically renewed as long as the insured is an eligible employee, premiums are paid as due, and the policy is in force.

Portability Employees can keep their coverage if they change jobs or retire while the policy is in-force.

Continuity of coverage Included

Pre-existing conditions limitation

A condition for which a covered person received medical advice or treatment within the 12 months preceding the certificate effective date.

Waiver of premium Included

Definition of cancer

Cancer means carcinoma in situ, leukemia, or a malignant tumor characterized by uncontrolled cell growth and invasion or spread of malignant cells to distant tissue. Cancer is also defined as cancer which meets the diagnosis criteria of malignancy established by the American Board of Pathology after a study of the histocytologic architecture or pattern of the suspect tumor, tissue, or specimen. Carcinoma in situ means a malignant tumor which is typically classified as Stage 0 cancer, where the tumor cells still lie within the tissue of the site of origin without having invaded neighboring tissue.

The following are not considered cancer: Pre-malignant conditions or conditions with malignant potential; non-invasive basal cell carcinoma of the skin; non-invasive squamous cell carcinoma of the skin; or melanoma diagnosed as Clark’s Level I or II or Breslow less than .75mm.

Plan descriptions Refer to the Certificate of Coverage for details specific to each plan.

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/friscoisd

Eligibility for You, Your Spouse and Your Children will be considered by Your employer.

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 or nonUnited States citizens legally working and living in the United States (Inpats) and their Spouse, Domestic Partner, or Civil Union Partner and Dependent Children who are United States citizens

See “Guaranteed Issue” section below for more information.

or permanent resident aliens or Spouse, Domestic Partner, or Civil Union Partner or Dependent Child Inpats and who are legally residing in the United States.

You will be eligible for coverage on the first of the month after 30 days from 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, are automatically enrolled as long as you apply for and are approved for coverage yourself.

Critical Illness Insurance

Cigna

The benefit amount shown will be paid regardless of the actual expenses incurred and is paid on a per day basis. Also includes COVID-19 Immunization, Tests, and Screenings. Virtual Care accepted.

Initial Critical Illness

Benefit for a diagnosis made after the effective date of coverage for each Covered Condition shown above.

The amount payable per Covered Condition is the Initial Benefit Amount multiplied by the applicable percentage shown. Each Covered Condition will be payable one time per Covered Person. Recurrence Benefit Benefit for the diagnosis of a subsequent and same Covered Condition for which an Initial Critical Illness Benefit has been paid.

Important Definitions and Policy Provisions:

Covered Person: An eligible person who is enrolled for coverage under the Policy.

Covered Loss: A loss that is specified in the Policy in the Schedule of Benefits section and suffered by the Covered Person within the applicable time period described in the Policy.

When your coverage begins: Coverage begins on the later of the program’s effective date, the date you become eligible, the first of the month following the date your completed enrollment form is received, or if evidence of insurability is required, the first of the month after we have approved you (or your dependent) for coverage in writing, unless otherwise agreed upon by Cigna. Your coverage will not begin unless you are actively at work on the effective date. Coverage for all other Covered Persons will not begin on the effective date if the covered person is confined to a hospital, facility or at home, disabled or receiving disability benefits or unable to perform activities of daily living.

When your coverage ends: Coverage ends on the earliest of the date you and your dependents are no longer eligible, the date the group policy is no longer in force, or the date for the last period for which required premiums are paid. For your dependent, coverage also ends

when your coverage ends, when their premiums are not paid or when they are no longer eligible. (Under certain circumstances, your coverage may be continued. Be sure to read the provisions in your Certificate about when coverage may continue.)

30 Day Right To Examine Certificate: If a Covered Person is not satisfied with the Certificate of Insurance for any reason, it may be returned to us within 30 days after receipt. We will return any premium that has been paid and the Certificate will be void as if it had never been issued.

Guaranteed Issue:

If you are a new hire you are not required to provide proof of good health if you enroll during your employer’s eligibility waiting period and you choose an amount of coverage up to and including the Guaranteed Issue Amount. If you apply for an amount of coverage greater than the Guaranteed Issue Amount, coverage in excess of the Guaranteed Issue Amount will not be issued until the insurance company approves acceptable proof of good health. Guaranteed Issue coverage may be available at other specified periods of time. Your employer will notify you when these periods of time are available.

Your Spouse must be age 18 or older to apply if evidence of insurability is required.

Disability Insurance CHUBB

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

Educator Income Protection Plan

Disabilities may occur more often than you think. If you can’t earn a paycheck due to disability, your savings might not be enough to cover household expenses plus healthcare and recovery costs that can continue for months.

The Educator Income Protection Plan from Chubb is coverage that pays you cash benefits if you cannot work. The plan gives you the flexibility to choose the right level of coverage to suit your needs and provides a robust set of benefits to help you through a difficult time.

Benefits and Features Summary

Eligibility

Monthly Benefit Amount

Guaranteed Minimum Benefit

Elimination Period – Injury/ Sickness

Employees actively at work for at least 20 hours per week

You can elect to purchase one of the following percentage of earnings as your benefit amount: 40% | 50% | 60%

The greater of 25% of the employee’s monthly earnings or $100

You can elect one of the following elimination periods under this plan: 14/14* | 30/30* | 60/60 | 90/90

*1st day hospital included

Duration of Benefits Social Security Normal Retirement Age

Pre-Existing Condition Waiver*

During the initial enrollment period the pre-existing condition limitation will be waived for the first 8 weeks

Employee Assistance Program Includes up to 6 face-to-face counseling visits

Travel Assistance Services Provides assistance to you and your dependents who travel 100 miles from their home

Actively at Work

You must be at work with your employer on your regularly scheduled workday. On that day, you must be performing all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), actively at work shall mean you are able to report for work with your employer, performing all of the regular duties of your occupation in the usual way for your usual number of hours as if school was in session.

Disability Insurance CHUBB

Definitions and Provisions

Enrollment - Current Employees

Coverage is available to you without answering any medical questions or providing evidence of insurability. You may enroll on or before the enrollment deadline. After the initial enrollment period, you can apply only during an annual enrollment period. New Hires: Coverage is available to you without answering any medical questions or providing evidence of insurability. You may apply for coverage within 60 days after your eligibility date. If you do not apply within 60 days after your eligibility date, you can apply only during an annual enrollment period. Benefits may be subject to the pre-existing condition limitation.

Elimination Period

The elimination period is the length of time you must be continuously disabled before you can receive benefits. If you elect an elimination period of 30 days or less, if you are confined to a hospital due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.

Continuity of Coverage

If you were insured under your district’s prior plan and not receiving benefits the day before this policy is effective, there will not be a loss in coverage and you will get credit for your prior carrier’s coverage.

Pre-existing Condition Waiver

Benefits under this provision are payable for no more than 8 weeks of benefit from the date of disability. After 8 weeks, benefits are subject to a 3/12 pre-existing condition limitation. This applies to new hires and/or newly eligible employees only.

Benefit Integration

Your disability benefit will be reduced by deductible sources of income and any other earnings you have received while disabled. Your gross disability payment will be reduced immediately by items that may include: workers compensation, disability income or other amounts you receive or are entitled to receive from sabbatical or assault leave plans and the amount of earnings you receive from an extended sick leave plan as described in Louisiana Revised Statutes or any other act or law with similar intent.After you have received monthly disability payments for 12 months, your gross disability payment will be reduced by additional deductible sources of income you receive or are entitled to receive under items that may include: state compulsory benefit laws; automobile liability 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.

Questions?

Exclusions and Limitations‡

Pre-existing Condition Limitation – 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. Late entrants and participants increasing coverage will be subject to a 3/12 pre-existing condition limitation.

Benefits will not be paid for disabilities caused by, contributed to by, or resulting from: 1) commission or attempt to commit a felony; 2) intentionally self-inflicted harm; 3) active participation in a riot, insurrection or terrorist activity; 4) war; 5) incarceration; 6) loss of professional or occupational license, or certification. Maximum Period of Payment for all disabilities due to mental illness is 24 months for each disability. Maximum Period of Payment for all disabilities due to alcoholism or drug abuse is 24 months for each disability.

Rates

Contact the HPS Benefits CareLine via the QR code or (833) 453-1680

‡ Please refer to your Certificate of Insurance at https://www.mybenefitshub.com/friscoisd for a complete listing of available benefits, limitations and exclusions. Underwritten by ACE Property & Casualty Company, a Chubb company.

Disability Insurance CHUBB

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.

Choose your desired elimination period.

Choose your Benefit Amount from the drop down box.

$9/month single $15/month family

Stay prepared with MASA® Access

Comprehensive coverage and care for emergency transport.

Our Emergent Plus membership plan includes:

Emergency Ground Ambulance Coverage1

Your out-of-pocket expenses for your emergency ground transportation to a medical facility are covered with MASA.

Emergency Air Ambulance Coverage1

Your out-of-pocket expenses for your emergency air transportation to a medical facility are covered with MASA.

Hospital to Hospital Ambulance Coverage1

When specialized care is required but not available at the initial emergency facility, your out-of-pocket expenses for the ground or air ambulance transfer to the nearest appropriate medical facility are covered with MASA.

Repatriation Near Home Coverage1

Should you need continued care and your care provider has approved moving you to a hospital nearer to your home, MASA coordinates and covers the expense for ambulance transportation to the approved medical facility.

Did you know?

51.3 million emergency responses occur each year

MASA protects families against uncovered costs for emergency transportation and provides connections with care services.

Source: NEMSIS, National EMS Data Report, 2023

About MASA

MASA is coverage and care you can count on to protect you from the unexpected. With us, there is no “out-of-network” ambulance. Just send us the bill when it arrives and we’ll work to ensure charges are covered. Plus, we’ll be there for you beyond your initial ride, with expert coordination services on call to manage complex transport needs during or after your emergency — such as transferring you and your loved ones home safely.

Protect yourself, your family, and your family’s financial future with MASA.

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

As of 9/1 spouses and children of employees may also use the clinic for non-emergency services. 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 the Wellness website at: https://sites.google.com/friscoisd.org/fisdwellness/home

Flexible Spending Account (FSA)

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.

For full plan details, please visit your benefit website: www.mybene itshub.com/sampleisd

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 $3,200 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

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).

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 Depend ent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent or you and your spouse must be employed outside the home, disabled or a full-time student.

Things to Consider Regarding the Dependent Care FSA

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

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

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

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

Flexible Spending Accounts

Flexible Spending Accounts

Higginbotham

Higginbotham

Important FSA Rules

• The maximum per plan year you can contribute to a Health Care FSA is $3,200. 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.

• In most cases, you can continue to file claims incurred during the plan year for another 90 days after the plan year ends.

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

• The IRS has amended the “use it or lose it rule” to allow you to carry-over up to $640 in your Health Care FSA into the next plan year for eligible employers The carry-over rule does not apply to your Dependent Care FSA.

• Review your employer's Summary Plan Document for full details. FSA rules vary by employer.

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

∗ Questions – flexsupport@higginbotham.net

∗ Fax – 866-419-3516

∗ Claims- flexclaims@higginbotham.net

Health Savings Account (HSA) EECU

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.mybeneitshub.com/sampleisd

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 (High Deductible Health Plan) 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 2024 is based on the coverage option you elect:

• Individual – $4,150

• Family (filing jointly) – $8,300

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

Opening an HSA

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

Important HSA Information

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

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

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

How To Use Your HSA

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

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

Hospital Cash

It’s not easy to pay hospital bills, especially if you have a high-deductible medical plan. Chubb Hospital Cash pays money directly to you if you are hospitalized so you can focus on your recovery. And since the cash goes directly to you, there are no restrictions on how you use your money.

Choose from 1 of 2 plans

First Hospitalization Benefit

This benefit is payable for the first covered hospital confinement per certificate.

Hospital Admission Benefit

This benefit is for admission to a hospital or hospital sub-acute intensive care unit.

Hospital Confinement Benefit

This benefit is for confinement in hospital or hospital sub-acute intensive care unit.

Hospital Confinement ICU Benefit

This benefit is for confinement in a hospital intensive care unit.

Hospital ICU Admission Benefit

This benefit is for admission to a hospital intensive care unit.

Newborn Nursery Benefit

This benefit is payable for an insured newborn baby receiving newborn nursery care and who is not confined for treatment of a physical illness, infirmity, disease, or injury.

Rehabilitation Admission

This benefit is for admission to a rehabilitation unit as an inpatient.

average three-day hospitalization cost.¹ average hospital stay.²

5.4 days $30,000 ¹

• $500

• Maximum benefit per certificate: 1

• $1,500

• Maximum benefit per calendar year: 5

• $150 per day

• Maximum days per calendar year: 30

• $300 per day

• Maximum days per calendar year: 30

• $3,000

• Maximum benefit per calendar year: 2

• $500 per day

• Maximum days per confinementnormal delivery: 2

• Maximum days per confinementcaesarean section: 2

• $500

• Maximum benefit per calendar year: 3

• $500

• Maximum benefit per certificate: 1

• $3,000

• Maximum benefit per calendar year: 5

• $200 per day

• Maximum days per calendar year: 30

• $400 per day

• Maximum days per calendar year: 30

• $6,000

• Maximum benefit per calendar year: 2

• $500 per day

• Maximum days per confinementnormal delivery: 2

• Maximum days per confinementcaesarean section: 2

• $500

• Maximum benefit per calendar year: 5

Observation Unit

This benefit is for treatment in a hospital observation unit for a period of less than 20 hours. •

year: 2 Waiver of Premium Hospital Confinement

This benefit waives premium when the employee is confined for more than 30 continuous days.

Rates

Questions?

*Please refer to your Certificate of Insurance at https://www.mybenefitshub.com/friscoisd for a complete listing of available benefits, limitations and exclusions. Underwritten by ACE Property & Casualty Company, a Chubb company. This information is a brief description of the important benefits and features of the insurance plan. It is not an insurance contract. This is a supplement to health insurance and is not a substitute for Major Medical or other minimal essential coverage. Hospital indemnity coverage provides a benefit for covered loss; neither the product name nor benefits payable are intended to provide reimbursement for medical expenses incurred by a covered person or to result in any payment in excess of loss. Contact the FBS Benefits CareLine via the QR code or (833) 453-1680.

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.

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

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

1 2 3

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

Dedicated Support: Makes a stressful situation as easy as possible to resolve. $1 Million Insurance with Stolen Funds Reimbursement: 4 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.

The Essential Employee Benefit

All Plans Include

IBM Watson AI

$1 Million insurance with stolen funds reimbursement4

U.S.-based customer care

Risk management score

Online identity dashboard

Mobile application

We’ll Alert You Of

Your personal information on the dark web

High-risk transactions like account takeovers and tax refunds

Potential threats detected by IBM Watson AI

Requests to open checking or savings accounts with your information

Monthly credit score5

Credit Bureau Monitoring

Bank account takeovers

3-bureau credit report

Additional Tools for Protection

Anti phishing mobile app

Safe browsing extension

Social insight report

Family Plan Additional Features

Your child’s information on the dark web

Cyberbullying on social media

Plan Pricing

Provides access to legal expertise for both expected and unexpected events.

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 do-it-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.1

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.

Money Matters

Home &

Real Estate

Estate Planning

Family & Personal

• Debt Collection Defense

• Identity Theft Defense

• Negotiations with Creditors

• Boundary & Title Disputes

• Deeds

• Eviction Defense

• Foreclosure

• Codicils

• Complex Wills

• Healthcare Proxies

• Living Wills

• Adoption

• Affidavits

• Conservatorship

• Demand Letters

• Divorce - 20 hours

• Enforcement or Modification of Support Order

• Garnishment Defense

Civil Lawsuits

• Administrative Hearings

• Civil Litigation Defense

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

• Deeds

• Leases

Vehicle & Driving

E-Services

• Defense of Traffic Tickets2

• Driving Privileges Restoration

• Attorney Locator

• Financial Planning

• 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

• Disputes Over Consumer Goods & Services

• Incompetency Defense

• Medicaid

• Medicare

• Notes

• Nursing Home Agreements

• License Suspension Due to DUI

• Insurance Resources

• Law Firm E-Panel

• 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

• Pet Liabilities

• Small Claims Assistance

• Powers of Attorney

• Prescription Plans

• Wills

• Repossession

• Self-Help Legal Documents

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).

1. You will be responsible to pay the difference, if any, between the plan’s payment and the out-of-network attorney’s charge for services.

2. Does not cover DUI.

Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, RI. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife, its affiliates, or plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse/civil union partner or dependents, in which case services are excluded for the spouse/civil union partner and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark, and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details. MetLife® is a registered trademark of Metropolitan Life Insurance Company, New York, NY. MetLife Legal Plans, Inc. | 1111 Superior Avenue, Suite 800 | Cleveland, OH 44114 L0620005023[exp1021][All States][DC,PR] © 2020 MetLife Services and Solutions, LLC

Educator Group Term Life Insurance

Life insurance is an important part of your employee benefits package. Chubb Term Life and Accidental Death and Dismemberment (AD&D) insurance provides the protection your family needs if something were to happen to you. Your family can receive cash benefits paid directly to them that they can use to help cover expenses like mortgage payments, credit card debt, childcare, college tuition, and other household expenses.

Benefit Summary

Employer Term Life and AD&D Insurance is provided by your employer. Employees must be actively at work for at least 20 hours per week. There is no premium paid by you for this life insurance.

For You

$10,000

Guaranteed Issue All coverage amounts

Additional Plan Benefits

AD&D Covered Losses and Benefits

Reduction Schedule 50% at age 70

The AD&D plan provides additional protection for you and your dependents in the event of an accidental bodily injury resulting in death or dismemberment. In addition to standard dismemberment coverage, the following benefit provisions are included:

• Air Bag Benefit – The lesser of 5% of AD&D benefit or $5,000

• Child Care Expense Benefit – 5% of Employee’s AD&D Benefit up to $12,000 per year for 4 years

• Child Education Expense Benefit – 6% of AD&D benefit up to $6,000 for 6 years; maximum benefit $24,000

• Common Carrier Benefit– Included

• Elder Care Expense Benefit – The lesser of 1% of AD&D Benefit or $500

• Exposure and Disappearance Benefit – Included

• Repatriation Expense Benefit – The lesser of $1,000 or the actual expense incurred

• Seatbelt Benefit – The lesser of 10% of AD&D benefit or $25,000

• Spouse Education Benefit – The lesser of 1% of AD&D Benefit, $1,000, or the actual tuition expenses incurred.

• Workplace Felonious Assault Benefit –5% of AD&D benefit up to $10,000

Definitions and Provisions

Portability You can elect portable coverage at group rates if you terminate employment, reduce hours, or retire from the employer.

Conversion When your group coverage ends, you may convert your coverage to an individual life policy without providing evidence of insurability.

AD&D Exclusions*

The Policy does not cover: 1) an infection not occurring as a direct result or consequence of Accidental Bodily Injury; 2) loss caused or contributed to by attempted suicide, while sane or insane; 3) loss caused or contributed to by intentionally self-inflicted harm, while sane or insane; 4) loss caused or contributed to by war or act of war; 5) loss caused or contributed to by active participation in a riot, insurrection; or terrorist activity; 6) loss caused or contributed to by committing or attempting to commit a felony; 7) loss caused or materially contributed to by voluntary intake or use by any means of any drug, unless: a. prescribed or administered by a Physician and taken in accordance with the Physician’s instructions; or b. an over the counter drug, taken in accordance with the instructions; 8) loss caused or contributed to being intoxicated as defined by the jurisdiction where the Accident occurred; and 9) loss caused or materially contributed to by participation in an illegal occupation or activity.

Questions?

*Please refer to your Certificate of Insurance at https://www.mybenefitshub.com/friscoisd for a complete listing of available benefits, limitations and exclusions. Underwritten by ACE Property & Casualty Company, a Chubb company. Contact the FBS Benefits CareLine via the QR code or (833) 453-1680

Educator Group Term Life Insurance

Benefit Summary

Life insurance is an important part of your employee benefits package. Chubb Term Life and Accidental Death and Dismemberment (AD&D) insurance provides the protection your family needs if something were to happen to you. Your family can receive cash benefits paid directly to them that they can use to help cover expenses like mortgage payments, credit card debt, childcare, college tuition, and other household expenses.

Voluntary Term Life and AD&D Insurance is made available for purchase by you and your family. Employees must be actively at work for at least 20 hours per week.

Life Insurance/AD&D

For

You

$10,000 increments up to a maximum of $500,000

For Your Spouse

$5,000 increments up to a maximum of $500,000

For Your Dependent Children

$10,000

Reduction Schedule

50% at age 70

Additional Plan Benefits

Guaranteed Issue

Employee: $400,000 Spouse: $100,000 Child: $10,000

Newly eligible employees and dependents: You and your eligible dependents may elect coverage up to the guaranteed issue amounts without answering health questions. Elections over the guaranteed issue amounts will require medical underwriting.

Current employees: At subsequent annual enrollments if you or your eligible dependents are currently enrolled in the plan, you may increase your coverage up to the guaranteed issue amounts without answering health questions. All amounts over the guaranteed issue will require medical underwriting.

*Please note that if you or your dependents did not elect coverage when first eligible, then you are considered a late entrant. Late entrants will be medically underwritten and will have to answer health questions for any amount of coverage elected.

The AD&D plan provides additional protection for you and your dependents in the event of an accidental bodily injury resulting in death or dismemberment. In addition to standard dismemberment coverage, the following benefit provisions are included:

• Air Bag Benefit – The lesser of 5% of AD&D benefit or $5,000

• Child Care Expense Benefit – 5% of employee’s AD&D benefit up to $12,000 per year for 4 years

• Child Education Expense Benefit – 6% of employee’s AD&D Benefit up to $6,000 for 6 years; maximum benefit of $24,000

• Common Carrier Benefit – Included

• Elder Care Benefit – The lesser of 1% of AD&D Benefit or $500

• Exposure and Disappearance Benefit– Included

• Repatriation Expense Benefit – The lesser of $1,000 or the actual expense incurred

• Seatbelt Benefit – The lesser of 10% of AD&D benefit or $25,000

• Spouse Education Benefit – The lesser of 1% of AD&D Benefit, $1,000 or the actual tuition expenses incurred

• Workplace Felonious Assault Benefit – 5% of AD&D benefit up to $10,000

Definitions and Provisions

Portability You can elect portable coverage, at group rates, if you terminate employment, reduce hours or retire from the employer.

Conversion When your group coverage ends, you may convert your coverage to an individual life policy without providing evidence of insurability.

Monthly Costs for Voluntary Term Life Insurance

You have the option to purchase Supplemental Term life Insurance. Listed below are the monthly rates.

Monthly Costs for Voluntary AD&D Insurance

Life Exclusions* Exclusions and Limitations*

No benefits will be paid for losses that are caused by, contributed to, or result from: 1) suicide, while sane or insane, occurring within 24 months after a covered person’s initial effective date of coverage; and 2) suicide, while sane or insane, occurring within two years after the date any increases in or additional coverage applied for becomes effective for a covered person.

No benefits will be payable for any loss that is the result of a Covered Accident that is due to or results from: 1) war or any act of war or Your active duty in any armed service during a time of war (this does not include acts of terrorism); 2) intoxication, as defined by the jurisdiction where the Covered Accident occurred; 3) committing of or attempting to commit an assault, felony or other criminal act; 4) active participation in a riot, rebellion or insurrection; 5) committing or attempting to commit suicide, whether sane or insane, or injuring oneself intentionally; 6) use of any drug, unless used as prescribed by a Physician or as directed; and 7) a Sickness or infection including physical or mental condition which is not caused solely by or as a direct result of a Covered Accident.

Family Protection Plan

Group Term Life Insurance to age 121 with Quality of Life underwritten by 5Star Life Insurance Company

Make a smart choice to help protect your loved ones and your future.

Life

doesn’t

come with a lesson plan

Help protect your family with the Family Protection Plan Group Level Term Life Insurance to age 121. You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children and grandchildren (14 days to 26 years old). The coverage lasts until age 121 for all insured,* so no matter what the future brings, your family is protected.

Why buy life insurance when you’re young?

Buying life insurance when you’re younger allows you to take advantage of lower premium rates while you’re generally healthy, which allows you to purchase more insurance coverage for the future. This is especially important if you have dependents who rely on your income, or you have debt that would need to be paid off.

Portable

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

Why is portability important?

Life moves fast so having a portable life insurance allows you to keep your coverage if you leave your school district. Keeping the coverage helps you ensure your family is protected even into your retirement years.

44% of American households would encounter significant financial difficulties within six months if they lost the primary family wage earner. 28% would reach this point in one month or less.

Family Protection Plan

Group Term Life Insurance to age 121 with Quality of Life underwritten by 5Star Life Insurance Company

Terminal illness acceleration of benefits

Coverage 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).

Protection you can 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.

Convenient

Easy payment through payroll deduction.

Quality of Life benefit

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.

How does Quality of Life help?

Many individuals who can’t take care of themselves require special accommodations to perform ADLs and would need to make modifications to continue to live at home with physical limitation. The proceeds from the Quality of Life benefit can be used for any purpose, including costs for infacility care, home healthcare professionals, home modifications, and more.

2024 Enrollment Plan Year for Frisco ISD

Guaranteed Issue is offered to all eligible applicants regardless of health status. No Doctor exams or physicals.

Employee: $150,000 | Spouse: $30,000 | Child: $10,000

Enroll to provide peace of mind for your family

To do an initial enrollment or if you have questions please call our customer service at 866-914-5202. Monday - Friday | 8:00 am-6:00 pm CST

About the coverage

The Family Protection Plan offers a lump-sum cash benefit if you die before age 121. The initial death benefit is guaranteed to be level for at least the first ten policy years. Afterward, the company intends to provide a nonguaranteed death benefit enhancement which will maintain the initial death benefit level until age 121. The company has the right to discontinue this enhancement. The death benefit enhancement cannot be discontinued on a particular insured due to a change in age, health, or employment status.

Pet Insurance MetLife

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 vet can 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 vet visit 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.

• Group discounts are available.

Enroll today!

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

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

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.

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

for the following: -

see the Loan Agreement and Application Form

For more information please contact TCG Administrators, the

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

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

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

who have completed one year of service

a 403(b) or

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)

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

for the following

For more information please contact TCG Administrators, the

Administrator at 1-800-943-9179.

Your benefits include reliable 24/7 health care by phone or video. Our national network of board-certified doctors provides personalized care for hundreds of medical and mental health needs. No surprise costs. No hassle. Just create an account to enroll.

URGENT CARE

On-demand care for illness and injuries.

ƒ Talk to a board-certified doctor in just minutes when you need care fast, including prescriptions.

ƒ Reliable and affordable alternative to urgent care clinics for more than 80 common, non-emergency conditions like flu, sinus infections, ear pain, and UTIs (Females, 18+).

MENTAL HEALTH

Talk therapy and psychiatry from the privacy of home.1

ƒ Licensed therapists and board-certified psychiatrists.

ƒ Schedule your appointment in as little as five days with after-hours and flexible sessions available. Meet Sophie, your personal assistant Text FBSBH to 635483 to create an account

STEP 2: REQUEST AN APPOINTMENT.

Have an urgent care appointment right away, or schedule a time that works for you.

STEP 3: FEEL BETTER FASTER.

Get a diagnosis, treatment plan, and prescriptions, when appropriate, sent right to your preferred pharmacy.1

2024 - 2025 Plan Year

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.