2022-23 Midway ISD Benefit Guide

2022 - 2023 Plan Year

MIDWAY ISD

BENEFIT GUIDE EFFECTIVE: 09/01/2022 - 8/31/2023 WWW.MYBENEFITSHUB.COM/MIDWAYISD

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Table of Contents How to Enroll Annual Benefit Enrollment 1. Annual Enrollment 2. Section 125 Cafeteria Plan Guidelines 3. Helpful Definitions 4. Eligibility Requirements 5. Health Savings Account (HSA) vs. Flexible Spending Account (FSA) Medical Health Savings Account (HSA) Hospital Indemnity Dental Vision Disability Life Insurance and AD&D Individual Life Insurance Accident Critical Illness Emergency Medical Transportation Flexible Spending Account (FSA) and Dependent Care FSA

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HOW TO ENROLL

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SUMMARY PAGES

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YOUR BENEFITS

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Benefit Contact Information MIDWAY ISD BENEFITS

TRS - ACTIVECARE MEDICAL

TRS - HMO MEDICAL

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

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

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

HEALTH SAVINGS ACCOUNT (HSA)

HOSPITAL INDEMNITY

DENTAL

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

Cigna (800) 244-6224 www.cigna.com

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

VISION

DISABILITY

LIFE AND AD&D

Superior- by MetLife (800) 638-5433 www.metlife.com

New York Life (800) 225-5695 www.newyorklife.com

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

INDIVIDUAL LIFE

ACCIDENT

CRITICAL ILLNESS

Texas Life (800) 283-9233 ext. 6814 www.texaslife.com

Cigna (800) 244-6224 www.cigna.com

Cigna (800) 244-6224 www.cigna.com

EMERGENCY MEDICAL TRANSPORTATION

FLEXIBLE SPENDING ACCOUNT (FSA)

MASA (800) 423-3226 www.masamts.com

Higginbotham (866) 419-3519 www.higginbotham.net

Kelcie Griggs (254) 761-5610 ext 1136 kelcie.griggs@midwayisd.org

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All Your Benefits One App Employee benefits made easy through the FBS Benefits App! Text “FBS MIDWAY” to (800) 583-6908 and get access to everything you need to complete your

benefits enrollment: •

Benefit Resources

•

Online Enrollment

•

Interactive Tools

•

And more!

App Group #: FBSMIDWAY

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Text “FBS MIDWAY” to (800) 583-6908 OR SCAN

How to Log In 1

www.mybenefitshub.com/midwayisd

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CLICK LOGIN

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ENTER USERNAME & PASSWORD Your Username Is: Your email in THEbenefitsHUB. (Typically your work email) Your Password Is: Four (4) digits of your birth year followed by the last four (4) digits of your Social Security Number If you have previously logged in, you will use the password that you created, NOT the password format listed above.

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Annual Benefit Enrollment

SUMMARY PAGES

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.

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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.

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

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

Q&A Who do I contact with Questions?

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

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Where can I find forms?

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

When will I receive ID cards?

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

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

Annual Benefit Enrollment

SUMMARY PAGES

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

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

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 Change in Number of adoption. You can add existing dependents not previously enrolled whenever a dependent Tax Dependents gains eligibility as a result of a valid change in status event.

Change in Status of Change in employment status of the employee, or a spouse or dependent of the employee, Employment Affecting that affects the individual's eligibility under an employer's plan includes commencement or Coverage Eligibility termination of employment.

Gain/Loss of Dependents' Eligibility Status

Judgment/Decree/ Order

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.

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

Government Programs

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SUMMARY PAGES

Helpful Definitions Actively-at-Work

In-Network

You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 9/1/2022 please notify your benefits administrator.

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

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.

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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).

Annual Benefit Enrollment

SUMMARY PAGES

Employee Eligibility Requirements

Dependent Eligibility Requirements

Supplemental Benefits: Eligible employees must work 17 or more regularly scheduled hours each work week.

Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the district as both employees and dependents.

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

PLAN

MAXIMUM AGE

Medical

To age 26

Hospital Indemnity

To age 26

Dental

To age 26

Vision

To age 26

Life

To age 26

Accident

To age 26

Critical Illness

To age 26

Individual Life

To age 26

Emergency Transportation

To age 26

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

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

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

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

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

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

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SUMMARY PAGES

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

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

Approved by Congress in 2003, HSAs are actual bank accounts in employee’s names that allow employees to save and pay for unreimbursed qualified medical expenses tax-free.

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

Employer Eligibility

A qualified high deductible health plan.

All employers

Contribution Source

Employee and/or employer

Employee and/or employer

Account Owner

Individual

Employer

Underlying Insurance Requirement

High deductible health plan

None

Minimum Deductible

$1,400 single (2022) $2,800 family (2022)

N/A

Maximum Contribution

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

$2,850 (2022)

Permissible Use Of Funds

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

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

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

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

Year-to-year rollover of account balance?

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

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

Does the account earn interest?

Yes

No

Portable?

Yes, portable year-to-year and between jobs.

No

Description

FLIP TO FOR HSA INFORMATION

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FLIP TO FOR FSA INFORMATION

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Notes

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Medical Insurance

EMPLOYEE BENEFITS

TRS ABOUT MEDICAL Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis.

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

Monthly Premium

District Contribution

Employee Cost

TRS ActiveCare HD Employee Only Employee & Spouse Employee & Child(ren) Employee & Family

$375.00

$365.00

$10.00

$1,055.00

$365.00

$690.00

$673.00

$365.00

$308.00

$1,261.00

$365.00

$896.00

TRS ActiveCare 2 Employee Only

$1,013.00

$365.00

$648.00

Employee & Spouse

$2,402.00

$365.00

$2,037.00

Employee & Child(ren)

$1,507.00

$365.00

$1,142.00

Employee & Family

$2,841.00

$365.00

$2,476.00

TRS ActiveCare Primary Employee Only Employee & Spouse Employee & Child(ren) Employee & Family

$365.00

$365.00

$0.00

$1,029.00

$365.00

$664.00

$656.00

$365.00

$291.00

$1,232.00

$365.00

$867.00

TRS ActiveCare Primary+ Employee Only Employee & Spouse Employee & Child(ren) Employee & Family

$458.00

$365.00

$93.00

$1,120.00

$365.00

$755.00

$737.00

$365.00

$372.00

$1,409.00

$365.00

$1,044.00

$491.55

$365.00

$126.55

$1,232.58

$365.00

$867.58

$789.39

$365.00

$424.39

$1,418.42

$365.00

$1,053.42

Scott and White HMO Employee Only Employee & Spouse Employee & Child(ren) Employee & Family 12

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Health Savings Account (HSA) EECU

EMPLOYEE BENEFITS

ABOUT HSA A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used.

Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP).

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

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

A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for qualified medical expenses.

There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.

HSA Eligibility You are eligible to open and contribute to an HSA if you are: • Enrolled in an HSA-eligible HDHP • Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan • Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account • Not eligible to be claimed as a dependent on someone else’s tax return • Not enrolled in Medicare or TRICARE • Not receiving Veterans Administration benefits You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.

Maximum Contributions Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2022 is based on the coverage option you elect: • Individual – $3,650 • Family (filing jointly) – $7,300

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

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

Important HSA Information •

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

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

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

How to Use your HSA • •

• •

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

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

Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333-9934 Stop by: a local EECU financial center for in-person assistance; find EECU locations & service hours a www.eecu.org/locations.

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Hospital Indemnity

EMPLOYEE BENEFITS

Cigna ABOUT HOSPITAL INDEMNITY This is an affordable supplemental plan that pays you should you be inpatient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance.

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

Who Can Elect Coverage: You: All active, full-time Employees of the Employer who are regularly working in the United States a minimum of 17 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens and their Spouse, and Dependent Children who are United States citizens or permanent resident aliens and who are residing in the United States.

You will be eligible to elect coverage on the first of the month coinciding with or next following your date of hire or Active Service.

Your Spouse:* Up to age 100, as long as you apply for and are approved for coverage yourself.

Your Child(ren): Birth to age 26; 26+ if disabled, as long as you apply for and are approved for coverage yourself.

Available Coverage: The benefit amounts shown in this summary will be paid regardless of the actual expenses incurred and are paid on a per day basis unless otherwise specified.

Benefits are only payable when all policy terms and conditions are met. Please read all the information in this summary to understand the terms, conditions, state variations, exclusions and limitations applicable to these benefits. See your Certificate of Insurance for more information.

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

Hospitalization Benefits Hospital Admission No Elimination Period. Limited to 1 day, 1 benefit(s) every 365 days.

Hospital Chronic Condition Admission No Elimination Period. Limited to 1 day, 1 benefit(s) every 90 days.

Hospital Stay No Elimination Period. Limited to 30 days.

Hospital Intensive Care Unit (ICU) Stay No Elimination Period. Limited to 30 days.

Hospital Observation Stay 24 hour Elimination Period. Limited to 72 hours.

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

Newborn Nursery Care Stay* Limited to 30 days, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.

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Hospital Indemnity

Low

High

Employee Only

$13.96

$26.28

Employee and Spouse

$27.78

$49.96

Employee and Child(ren)

$22.30

$41.58

Employee and Family

$36.12

$65.26

Plan 1

Plan 2

$1,000

$2,000

$50

$50

$100

$200

$200

$400

$500 per 24-hour period

$500 per 24-hour period

$500

$500

$100

$100

Hospital Indemnity Cigna

EMPLOYEE BENEFITS

Portability Feature:* You, your spouse, and child(ren) can continue 100% of your coverage at the time your coverage ends. You must be covered under the policy and be under the age of 100 in order to continue your coverage. Rates may change and all coverage ends at age 100. Applies to United States Citizens and Permanent Resident Aliens residing in the United States.

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

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

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

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

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

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

Important Definitions: Covered Illness: A physical or mental disease or disorder including pregnancy and complications of pregnancy that results in a covered loss. A Covered Illness includes medically-necessary quarantine in a Hospital in conjunction with medically-necessary preventive treatment due to an identifiable exposure to a life-threatening contagious and infectious disease.

Covered Injury: Any bodily harm that results in a covered loss.

Covered Person: An eligible person, as defined in the Schedule of Benefits, who is enrolled and for whom Evidence of Insurability, where required, has been accepted by Us, required premium has been paid when due, and coverage under this Policy remains in force.

Elimination Period: The continuous period of time that must be satisfied before a benefit shown in the Schedule of Benefits is payable. An Elimination Period may be satisfied during the Policy’s Benefit Waiting Period.

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 physicians; 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. The term Hospital does not include a clinic or facility for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addiction or alcoholism; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients. The term Hospital also does not include a unit of a Hospital for rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care.

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Dental Insurance

EMPLOYEE BENEFITS

Lincoln Financial Group ABOUT DENTAL Dental insurance is a coverage that helps defray the costs of dental care.

It insures against the expense of routine care, dental treatment and disease.

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

Employee Only Employee and Spouse Employee and Child(ren) Employee and Family The Lincoln Dental Connect®: High Plan

Dental High $38.49 $82.24 $84.32 $129.68

Low Plan $24.97 $49.51 $53.28 $75.97

Preventative Plan $20.29 $45.97 $53.93 $84.92

Contracting Dentists Non-Contracting Dentists Individual: $50 Individual: $50 Calendar (Annual) Deductible Family: $150 Family: $150 Waived for: Preventive Waived for: Preventive Deductibles are combined for basic and major Contracting Dentists’ services. Deductibles are combined for basic and major Non-Contracting Dentists’ services.

Annual Maximum $2,000 $2,000 Lifetime Orthodontic Max $1,000 $1,000 Orthodontic Coverage is available for dependent children and adults.

Waiting Period There are no benefit waiting periods for any service types Preventive Services Routine oral exams Bitewing X-rays Full-mouth or panoramic X-rays Other dental X-rays - including periapical films 100% 100% Routine cleanings No Deductible No Deductible Fluoride treatments Space maintainers for children Palliative treatment - including emergency relief of dental pain Sealants Basic Services Problem focused exams Injections of antibiotics and other therapeutic medications 80% 80% Fillings After Deductible After Deductible Simple extractions General anesthesia and I.V. sedation Major Services Consultations Prefabricated stainless steel and resin crowns Surgical extractions 50% 50% Oral surgery After Deductible After Deductible Biopsy and examination of oral tissue - including brush biopsy Prosthetic repair and recementation services Endodontics - including root canal treatment Orthodontics Orthodontic exams X-rays Extractions 50% 50% Study models Appliances 22

Dental Insurance Lincoln Financial Group

EMPLOYEE BENEFITS

The Lincoln Dental Connect®: Low Plan

Contracting Dentists Non-Contracting Dentists Individual: $50 Individual: $50 Calendar (Annual) Deductible Family: $150 Family: $150 Waived for: Preventive Waived for: Preventive Deductibles are combined for basic and major Contracting Dentists’ services. Deductibles are combined for basic and major Non-Contracting Dentists’ services.

Annual Maximum $1,500 $1,500 Waiting Period There are no benefit waiting periods for any service types Preventive Services Routine oral exams Bitewing X-rays Full-mouth or panoramic X-rays Other dental X-rays - including periapical films 80% 80% Routine cleanings No Deductible No Deductible Fluoride treatments Space maintainers for children Palliative treatment - including emergency relief of dental pain Sealants Basic Services Problem focused exams Injections of antibiotics and other therapeutic medications 80% 80% Fillings After Deductible After Deductible Simple extractions General anesthesia and I.V. sedation Major Services Consultations Prefabricated stainless steel and resin crowns Surgical extractions 50% 50% Oral surgery After Deductible After Deductible Biopsy and examination of oral tissue - including brush biopsy Prosthetic repair and recementation services Endodontics - including root canal treatment The Lincoln Dental Connect®: Preventative Plan

Contracting Dentists Non-Contracting Dentists Individual: $50 Individual: $50 Calendar (Annual) Deductible Family: $150 Family: $150 Waived for: Preventive Waived for: Preventive Deductibles are combined for basic and major Contracting Dentists’ services. Deductibles are combined for basic and major Non-Contracting Dentists’ services.

Annual Maximum $1,000 $1,000 Waiting Period There are no benefit waiting periods for any service types Preventive Services Routine oral exams Bitewing X-rays Full-mouth or panoramic X-rays Other dental X-rays - including periapical films 100% 100% Routine cleanings No Deductible No Deductible Fluoride treatments Space maintainers for children Palliative treatment - including emergency relief of dental pain Sealants Basic Services Problem focused exams Injections of antibiotics and other therapeutic medications 80% 80% Fillings After Deductible After Deductible Simple extractions General anesthesia and I.V. sedation

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Vision Insurance

EMPLOYEE BENEFITS

Superior- by MetLife ABOUT VISION Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses.

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

Superior Vision Plan Summary With your Superior Vision Preferred Provider Organization Plan, you can: • Go to any licensed Superior vision provider and receive coverage. Just remember your benefit dollars go further when you stay in network.

• Choose from a large network of ophthalmologists, optometrists and opticians, from private practices to retailers like Costco® Optical, Walmart, Sam’s Club and Visionworks.

In-network value added features: Additional savings on lens enhancements:5 Average 20-25% savings over retail on all lens enhancements not otherwise covered under the Superior Vision Insurance program Additional savings on glasses and sunglasses:5 Members may receive 50% off of additional complete pairs of eyeglasses and sunglasses at Visionworks or 30% off at other participating providers on the same transaction. Otherwise, a 20% discount off the provider’s usual and customary rate may be available.

Additional savings on frames:5 20% off any amount over your frames allowance.

Additional savings on contacts:5 15% off any amount over your contact lens allowance. 15% discount on additional contacts beyond your covered amount.

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Vision Employee Only Employee and 1 Dependent Employee and Family

In-network benefits There are no claims for you to file when you go to an in-network Superior vision provider. Simply pay any copays or member out of pocket amount (MOOP) and, if applicable, any amount over your frame/contacts allowance at the time of service.

Eye exam • Eye health exam, dilation, prescription and refraction for glasses: Covered in full after $10 copay.

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

Frame 1 • Allowance: $125 after $15 eyewear copay .

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

• Participating private practice providers typically do not display the Collection but are contractually required to maintain a comparable selection (in both quantity and quality) of frames that would be covered, with no additional member out-of-pocket expense.

Special lens designs, materials, powers and frames may require additional cost. Collection is available at most participating independent provider offices. Collection is subject to change.

Standard corrective lenses Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $15 eyewear copay1.

$11.78 $20.62 $30.36

Frequency

Once every 12 months

Once every 12 months

Once every 12 months

Vision Insurance

EMPLOYEE BENEFITS

Superior- by MetLife Other in-network features continued: Laser vision correction:5 Savings of 40% - 50% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers.

Hearing discounts:5 A National Hearing Network of hearing care professionals, featuring Your Hearing Network, offers Superior Vision members discounts on services, hearing aids and accessories. These discounts should be verified prior to service.

We’re here to help Find a Superior Vision provider at www.metlife.com/vision and select Superior Vision by MetLife’.

For general questions, go to www.metlife.com/mybenefits. or call 1-833-EYE-LIFE (1-833-393-5433)

4

5

In-network benefits Cont’d.

Frequency Standard lens enhancements2 3 • Standard Polycarbonate (child up to age 18) : Covered in full after $15 eyewear copay1.

• Progressive Standard, Progressive Premium/Custom, Standard Polycarbonate (adult)3, UV coating, Scratch-resistant coatings, Solid or Gradient Tints, Anti-reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Once every Your cost will be limited to a member out of pocket amount 12 months (MOOP) that MetLife has negotiated for you. These amounts may be viewed after enrollment at www.metlife.com/mybenefits.

1

Materials co-pay applies to lenses and frames only, not contact lenses.

The above list highlights some of the most popular lens enhancements and is not a complete listing.

3 Polycarbonate lenses are covered for dependent children, monocular patients, and patients with prescriptions +/- 6.00 diopters or greater.

2

Contact lenses (instead of eye glasses)4 Contact fitting and evaluation: • Standard fitting: Covered in full after $25 copay.

• Specialty fitting:$50 allowance after $25 copay • Elective lenses: $125 allowance.

• Necessary lenses: Covered in full.

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

• Disposable contacts: You will receive an additional 10% savings on the amount that you pay over your allowance.

Once every 12 months

* Standard contact lens fitting applies to a current contact lens user who wears disposable, daily wear, or extended wear lenses only. Specialty contact lens fitting applies to new contact wearers and/or a member who wear toric, gas permeable, or multi-focal lenses.

Not all providers participate in vision program discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if the discount and member out-of-pocket features are offered at that location. Discounts and member out-of-pocket are not insurance and subject to change without notice.

These features may not be available in all states and with all in-network vision providers. Discounts are not available at Walmart and Sam’s Club. Please check with your in-network vision provider.

Out-of-network reimbursement You pay for services and then submit a claim for reimbursement. The same benefit frequencies for In-network benefits apply. Once you enroll, visit www.metlife.com/mybenefits for detailed out-of-network benefits information.

• • •

Materials allowance after a $0 copay Eye exam: up to $45 after a $0 copay.

Frames: up to $70

•

Contact lenses: Elective up to $105 Necessary up to $210 Single vision lenses: up to $30 Lined bifocal lenses: up to $50

  • •

• • •

Lined trifocal lenses: up to $65 Lenticular lenses: up to $100 Progressive lenses: up to $50

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Disability Insurance

EMPLOYEE BENEFITS

New York Life 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/midwayisd

Eligibility: All active, Full-time Employees of the Employer who are United States citizens or permanent resident aliens regularly working a minimum of 17 hours per week in the United States.

Employee: You will be eligible for coverage the first of the month following date of hire.

Available Coverage: Gross Monthly Benefit Units of $100, minimum amount of $200

Disability - per $100 in benefit Elimination Period Plan 1 0/7 $3.26 14/14 $2.99 30/30 $2.48 60/60 $1.73 90/90 $1.50 180/180 $1.12

Maximum Gross Monthly Benefit

Benefit Waiting Period

Lesser of 66.7% of your monthly covered earnings or $10,000

7/7, 14/14, 30/30, 60/60, 90/90, 180/180

Maximum Benefit Period Please refer to the “How Long Benefits Last” section below for more details.

Additional Features Family Survivor Benefit – If you die while receiving benefits, we will pay a survivor benefit to your lawful spouse, eligible children, or estate. The plan will pay a single lump sum equal to 3 months of benefits.

When Coverage Takes Effect - Your coverage takes effect on the later of the policy’s effective date, the date you become eligible, the date we receive your completed enrollment form if required, or the date you authorize any necessary payroll deductions if applicable. If you’re not actively at work on the date your coverage would otherwise take effect, your coverage will take effect on the date you return to work. If you have to submit proof of good health, your coverage takes effect on the date we agree, in writing, to cover you.

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

Covered Earnings - Covered Earnings means an Employee’s annual wage or salary as reported by the Employer for work performed for the Employer as in effect on September 1st just prior to the date Disability begins. It includes earnings from stipends but not bonuses, commissions, overtime pay or other extra compensation. Covered Earnings are determined initially on the date an Employee applies for coverage. A change in the amount of Covered Earnings is effective on the September 1st following the change.

Stipends will be averaged for the 12 months just prior to the most recent September 1st prior to the date Disability begins, or the months employee, if less than 12 months.

EMPLOYEE BENEFITS received through other government programs, sick leave, employer’s sabbatical leave, employer’s assault leave plan, employer funded retirement benefits, workers’ compensation, franchise/group insurance, auto no-fault, and damages for wage loss. For details, see your outline of coverage, policy certificate, or your employer’s summary plan description. Note: Some of the Other Income Benefits, as defined in the group policy, will not be considered until after disability benefits are payable for 12 months.

Earnings While Disabled - During the first 24 months that benefits are payable, benefits will be reduced if benefits plus income from employment exceeds 100% of pre-disability Covered Earnings.

After that, benefits will be reduced by 50% of earnings from employment.

Limited Benefit Period - Disabilities caused by or contributed to by any one or more of the following conditions are subject to a lifetime limit of 24 months for outpatient treatment: Anxietydisorders, delusional (paranoid) or depressive disorders, eating disorders, mental illness, somatoform disorders (including psychosomatic illnesses), Alcoholism, drug addiction or abuse.

Benefits are payable during periods of hospital confinement for these conditions for hospitalizations lasting more than 14 consecutive days that occur before the 24-month lifetime outpatient limit is exhausted.

Pre-existing Condition Limitation - Benefits are not payable for medical conditions for which you incurred expenses, took When Benefits Begin - You must be continuously Disabled for prescription drugs, received medical treatment, care or services your elected benefit waiting period before benefits will be (including diagnostic measures), during the 3 months just prior to payable for a covered Disability. the most recent effective date of insurance. Benefits are not How Long Benefits Last - Once you qualify for benefits under this payable for any disability resulting from a pre-existing condition plan, you continue to receive them until the end of the benefit or unless the disability occurs after you have been insured under until you no longer qualify for benefits, whichever occurs first. this plan for at least 12 months after your most recent effective Should you remain disabled, your benefits will continue based on date of insurance. a schedule. Find full schedule at www.mybenefitshub.com/ Pre-existing Condition Waiver - The Insurance Company will waive midwayisd. the Pre-Existing Condition Limitation for up to 8 weeks of Disability even if the Employee has a Pre-Existing Condition. The Benefit Reductions, Conditions, Limitations Disability Benefits as shown in the Schedule of Benefits will and Exclusions: continue beyond 8 weeks only if the Pre-Existing Condition Limitation does not apply.

Effects of Other Income Benefits - This plan is structured to prevent your total benefits and post- disability earnings from Termination of Disability Benefits - Your benefits will terminate equaling or exceeding pre-disability earnings. Therefore, we when your Disability ceases, when your benefit duration period is reduce this plan’s benefits by Other Income Benefits payable to exceeded, or on the following events: (1) the date you earn from you, your dependents, or a qualified third party on behalf of you any occupation more than the percentage of Indexed Earnings, or your dependents. Disability benefits may be reduced by or the date you fail to cooperate with us in a rehabilitation plan, amounts received through Social Security disability benefits or transitional work arrangement, or the administration of the payable to you, your dependents, or a qualified third party on claim. behalf of you or your dependents. Your disability benefits will not be reduced by any Social Security disability benefits you are not receiving as long as you cooperate fully in efforts to obtain them and agree to repay any overpayment when and if you do receive them. Disability benefits will also be reduced by amounts 27

Life and AD&D

EMPLOYEE BENEFITS

Lincoln Financial Group ABOUT LIFE AND AD&D Group term life is the most inexpensive way to purchase life insurance.

You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family.

Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.

For full plan details, please visit your benefit website: www.mybenefitshub.com/midwayisd Group Life Rate Insured Employee’s Attained Age Monthly Rate per $1,000 of insurance Age Rate Less than 25 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 and older

$0.06 $0.07 $0.09 $0.10 $0.11 $0.15 $0.22 $0.40 $0.60 $1.14 $1.84 $1.84 $1.84

Employee Guaranteed coverage amount during initial offering or approved special enrollment period Newly hired employee guaranteed coverage amount Continuing employee guaranteed coverage annual increase amount Maximum coverage amount Minimum coverage amount Spouse Guaranteed coverage amount during initial offering or approved special enrollment period Newly hired employee guaranteed coverage amount Continuing employee guaranteed coverage annual increase amount Maximum coverage amount Minimum coverage amount Dependent Children Day 1 months to age 26 guaranteed coverage amount

Additional Plan Benefits Accelerated Death Benefit Premium Waiver Conversion Portability 28

Voluntary Group Life - Child(ren) $10,000 in coverage 0-26 $1.60 Spouse rates based on Employee's age.

Voluntary Life Insurance • • • • •

Provides a cash benefit to your loved ones in the event of your death Features group rates for Midway ISD employees Includes LifeKeys® services, which provide access to counseling, financial, and legal support services Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home To file a claim contact Lincoln Financial at (800) 423-2765

$200,000 $200,000 Up to $20,000 5 times your annual salary ($500,000 maximum in increments of $10,000) $10,000 $50,000

$50,000 Up to $20,000 50% of the employee coverage amount ($250,000 maximum in increments of $5,000) $5,000 $10,000

Benefit Exclusions Included Included Included Included

Like any insurance, this term life insurance policy does have exclusions. A suicide exclusion may apply. A complete list of benefit exclusions is included in the policy. State variations apply.

Note: You must be an active Midway Independent School District employee to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse or dependent child cannot be confined to a health care facility or unable to perform the typical activities of a healthy person of the same age and gender.

Individual Life Insurance Texas Life

EMPLOYEE BENEFITS

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

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

Voluntary permanent life insurance can be an ideal complement to the group term and optional term your employer might provide.

Designed to be in force when you die, this voluntary universal life product is yours to keep, even when you change jobs or retire, as long as you pay the necessary premium. Group and voluntary term, on the other hand, typically are not portable if you change jobs and, even if you can keep them after you retire, usually cost more and decline in death benefit. The policy, purelife-plus, is underwritten by Texas Life Insurance Company, and it has the following features: • •

• • •

High Death Benefit. With one of the highest death benefits available at the worksite,1 purelife-plus gives your loved ones peace of mind.

Minimal Cash Value. Designed to provide a high death benefit at a reasonable premium, purelife-plus provides peace of mind for you and your beneficiaries while freeing investment dollars to be directed toward such tax-favored retirement plans as 403(b), 457 and 401(k).

Long Guarantees.2 Enjoy the assurance of a policy that has a guaranteed death benefit to age 121 and level premium that guarantees coverage for a significant period of time.3 Refund of Premium. Unique in the marketplace, purelife-plus offers you a refund of 10 years’ premium, should you surrender the policy if the premium you pay when you buy the policy ever increases. (Conditions apply.)

Accelerated Death Benefit Rider. Should you be diagnosed as terminally ill with the expectation of death within 12 months (24 months in Illinois), you will have the option to receive 92% (84% in Illinois) of the death benefit, minus a $150 ($100 in Florida) administrative fee. This valuable living benefit gives you peace of mind knowing that, should you need it, you can take the large majority of your death benefit while still alive. (Conditions apply.) (Form ICC07-ULABR-07 or Form Series ULABR-07)

You may apply for this permanent, portable coverage, not only for yourself, but also for your spouse, children and grandchildren by answering just 3 questions:4 During the last six months, has the proposed insured: a. Been actively at work on a full time basis, performing usual duties? b. Been absent from work due to illness or medical treatment for a period of more than five consecutive working days? c. Been disabled or received tests, treatment or care of any kind in a hospital or nursing home or received chemotherapy, hormonal therapy for cancer, radiation therapy, dialysis treatment, or treatment for alcohol or drug abuse?

Flexible Premium Life Insurance to Age 121 Policy Form PRFNG-NI-10

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Accident Insurance

EMPLOYEE BENEFITS

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/midwayisd

Employee-Paid

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.

See State Variations (marked by *) below.

Accident Employee Only Employee and Spouse Employee and Child(ren) Employee and Family

$9.06 $16.22 $19.62 $26.78

Who Can Elect Coverage: You: All active, full-time Employees of the Employer who are regularly working in the United States a minimum of 17 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens and their Spouse, and Dependent Children who are United States citizens or permanent resident aliens and who are residing in the United States.

You will be eligible to elect coverage on the first of the month coinciding with or next following your date of hire or Active Service.

Your Spouse*: Up to age 100, as long as you apply for and are approved for coverage yourself.

Your Child(ren): Birth to age 26; 26+ if disabled, as long as you apply for and are approved for coverage yourself.

Available Coverage: This Accidental Injury plan provides 24 hour coverage.

The benefit amounts shown in this summary will be paid regardless of the actual expenses incurred and are paid on a per day basis unless otherwise specified. Benefits are only payable when all policy terms and conditions are met. Please read all the information in this summary to understand terms, conditions, state variations, exclusions and limitations applicable to these benefits. See your Certificate of Insurance for more information.

Benefit Percentage Amount (unless otherwise indicated)

Employee 100% of benefits shown

Initial & Emergency Care Emergency Care Treatment Physician Office Visit (includes urgent care) Diagnostic Exam (x-ray or lab) Ground or Water Ambulance/Air Ambulance Hospitalization Benefits Hospital Admission Hospital Stay Intensive Care Unit Stay Fractures and Dislocations Per covered surgically-repaired fracture Per covered non-surgically-repaired fracture Chip Fracture (percent of fracture benefit) Per covered surgically-repaired dislocation Per covered non-surgically-repaired dislocation 30

Spouse 100% of benefits shown

Children 100% of benefits shown Plan $300 $300 $60 $600/$2,000 Plan $1,500 $400 $600 Plan $400-$10,500 $200-$5,250 25% $400-$7,000 $200-$3,500

Accident Insurance Cigna

EMPLOYEE BENEFITS

Follow-Up Care Plan Follow-up Physician (or medical professional) Office Visit $100 Follow-up Physical Therapy Visit $75 Enhanced Accident Benefits Plan Examples: Small Lacerations (Less than or equal to 6 inches long and requires 2 or more sutures) $150 Large Lacerations (more than 6 inches long and requires 2 or more sutures) $800 Concussion $200 Coma (lasting 7 days with no response) $15,000 Additional Accidental Injury benefits included - See certificate for details, including limitations & exclusions. Virtual Care accepted for Initial Physician Office Visit and Follow-Up Care.

Wellness Treatment, Health Screening Test & Preventive Care Benefit* Plan Wellness Treatment, Health Screening Test and Preventive Care Benefit:* Examples include (but are not limited to) routine gynecological exams, general health exams, mammography $50 and certain blood tests. Benefit paid for all covered persons is 100% of the benefit shown.

Also includes COVID-19 Immunization. Virtual Care accepted.

Portability Feature: You, your spouse, and child(ren) can continue 100% of your coverage at the time your coverage ends. You must 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 24hour 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, 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.

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Critical Illness Insurance

EMPLOYEE BENEFITS

Cigna 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/midwayisd Critical Illness Age <25 25 to 29 30 to 34 35 to 39 40 to 44 45 to 49 50 to 54 55 to 59 60 to 64 65 to 69 70 to 74 75 to 79 80 to 84 85 to 89 90 to 94 95+

$10,000.00 $3.08 $3.50 $4.62 $6.56 $7.86 $11.12 $14.58 $19.60 $24.72 $30.54 $43.56 $57.92 $74.18 $102.00 $102.00 $102.00

$15,000.00 $4.62 $5.25 $6.93 $9.84 $11.79 $16.68 $21.87 $29.40 $37.08 $45.81 $65.34 $86.88 $111.27 $153.00 $153.00 $153.00

Benefit Amount Employee Spouse Children

Covered Conditions Cancer Conditions Skin Cancer* Covered Conditions Invasive Cancer Carcinoma in Situ Vascular Conditions Heart Attack Stroke Coronary Artery Disease Nervous System Conditions Advanced Alzheimer's Disease Amyotrophic Lateral Sclerosis (ALS) Parkinson's Disease Multiple Sclerosis 32

Employee $20,000.00 $6.16 $7.00 $9.24 $13.12 $15.72 $22.24 $29.16 $39.20 $49.44 $61.08 $87.12 $115.84 $148.36 $204.00 $204.00 $204.00

$25,000.00 $7.70 $8.75 $11.55 $16.40 $19.65 $27.80 $36.45 $49.00 $61.80 $76.35 $108.90 $144.80 $185.45 $255.00 $255.00 $255.00

$30,000.00 $9.24 $10.50 $13.86 $19.68 $23.58 $33.36 $43.74 $58.80 $74.16 $91.62 $130.68 $173.76 $222.54 $306.00 $306.00 $306.00

$10,000.00 $2.98 $3.16 $4.04 $5.62 $6.76 $10.36 $15.86 $23.48 $30.68 $36.62 $49.70 $68.08 $86.38 $124.22 $124.22 $124.22

$10,000, $15,000, $20,000, $25,000, $30,000 $10,000, $15,000, $20,000 25% of employee amount, including Childhood Conditions.

Benefit Amount Initial Benefit Amount % 100% 25%

Spouse $15,000.00 $4.47 $4.74 $6.06 $8.43 $10.14 $15.54 $23.79 $35.22 $46.02 $54.93 $74.55 $102.12 $129.57 $186.33 $186.33 $186.33

$20,000.00 $5.96 $6.32 $8.08 $11.24 $13.52 $20.72 $31.72 $46.96 $61.36 $73.24 $99.40 $136.16 $172.76 $248.44 $248.44 $248.44

Guaranteed Issue Amount Up to $30,000 Up to $20,000 All guaranteed issue

$250 1x per lifetime Recurrence % of Initial Benefit Amount 100% 25%

100% 100% 25%

100% 100% 25%

100% 100% 100% 100%

Not Available Not Available Not Available Not Available

Critical Illness Insurance Cigna

EMPLOYEE BENEFITS

Covered Conditions Initial Benefit Amount % Recurrence % of Initial Benefit Amount Childhood Conditions* Cerebral Palsy 100% Not Available Cystic Fibrosis 100% 100% Muscular Dystrophy 100% 100% Poliomyelitis 100% Not Available Other Specified Conditions Benign Brain Tumor 100% 100% Blindness 100% Not Available Coma 100% 100% End-Stage Renal (Kidney) Disease 100% 100% Major Organ Failure 100% 100% Paralysis 100% 100% Loss of Hearing 100% Not Available Loss of Speech 100% Not Available Systemic Lupus 25% 25% Systemic Sclerosis 25% 25% Occupational Conditions Occupational Hepatitis-B 100% 100% Occupational Hepatitis-C 100% 100% Occupational HIV* 100% 100% Wellness Treatment, Health Screening Test and Preventive Care Benefit* Benefit Amount Examples includes (but are not limited to) routine gynecological exams, general health exams, mammography, and certain blood tests. The benefit amount shown will be paid $50 1 per year regardless of the actual expenses incurred and is paid on a per day basis.

Also includes COVID-19 Immunization. Virtual Care accepted.

Benefits 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 Initial Critical Illness Benefit multiplied by the applicable percentage shown. Each Covered Condition will be payable one time per Covered Person, subject to the Maximum Lifetime Limit. A 180 days separation period between the dates of diagnosis is required.* Benefit for the diagnosis of a subsequent and same Covered Condition for which an Initial Recurrence Benefit Critical Illness Benefit has been paid, payable after a 12 month separation period from diagnosis of a previous Covered Condition, subject to the Maximum Lifetime Limit.

Skin Cancer Benefit Pays benefit stated above.

The maximum benefit payable per Covered Person is the lesser of 5 times the elected Benefit Maximum Lifetime Limit Amount or $150,000. The following benefits are not subject to this limit: Skin Cancer

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.

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Emergency Medical Transport MASA

EMPLOYEE BENEFITS

ABOUT MEDICAL TRANSPORT Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the out-of-pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance and helicopter, depending on the plan.

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

A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. After the group health plan pays its portion, MASA MTS works with providers to deliver our members’ $0 in out-of-pocket costs for emergency transport.

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

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

Non-Emergency Inter-Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to nonemergency air or ground transportation between medical facilities.

Repatriation/Recuperation Suppose you or a family member is hospitalized more than 100-miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation.

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

Emergency Medical Transportation Employee and Family $14.00

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Flexible Spending Account (FSA) Higginbotham

EMPLOYEE BENEFITS

ABOUT FSA A Flexible Spending Account allows you to pay for eligible healthcare expenses with a pre-loaded debit card. You choose the amount to set aside from your paycheck every plan year, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a $500 rollover or grace period provision).

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

Health Care FSA

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

The Health Care FSA covers qualified medical, dental and vision expenses for you or your eligible dependents. You may contribute up to $2,850 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include: Things to Consider Regarding the Dependent • Dental and vision expenses Care FSA • Medical deductibles and coinsurance • Overnight camps are not eligible for reimbursement • Prescription copays (only day camps can be considered).

• Hearing aids and batteries • If your child turns 13 midyear, you may only request You may not contribute to a Health Care FSA if you enrolled reimbursement for the part of the year when the child in a High Deductible Health Plan (HDHP) and contribute to a is under age 13.

Health Savings Account (HSA).

• You may request reimbursement for care of a spouse or Higginbotham Benefits Debit Card dependent of any age who spends at least eight hours a The Higginbotham Benefits Debit Card gives you immediate day in your home and is mentally or physically access to funds in your Health Care FSA when you make a incapable of self-care. purchase without needing to file a claim for • The dependent care provider cannot be your child reimbursement. If you use the debit card to pay anything under age 19 or anyone claimed as a dependent on other than a copay amount, you will need to submit an your income taxes. itemized receipt or an Explanation of Benefits (EOB). If you Important FSA Rules do not submit your receipts, you will receive a request for • The maximum per plan year you can contribute to a substantiation. You will have 60 days to submit your Health Care FSA is $2,850. The maximum per plan year receipts after receiving the request for substantiation you can contribute to a Dependent Care FSA is $5,000 before your debit card is suspended. Check the expiration when filing jointly or head of household and $2,500 date on your card to see when you should order a when married filing separately. replacement card(s).

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

The Dependent Care FSA helps pay for expenses associated • You can continue to file claims for an additional 75 days with caring for elder or child dependents so you or your after the end of the plan year, August 31st. spouse can work or attend school full time. You can use the • Your Health Care FSA debit card can be used for health account to pay for day care or baby sitter expenses for your care expenses only. It cannot be used to pay for children under age 13 and qualifying older dependents, dependent care expenses. such as dependent parents. Reimbursement from your 35

Flexible Spending Account (FSA) Higginbotham

EMPLOYEE BENEFITS

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

Higginbotham Portal The Higginbotham Portal provides information and resources to help you manage your FSAs. • Access plan documents, letters and notices, forms, account balances, contributions and other plan information • Update your personal information • Utilize Section 125 tax calculators • Look up qualified expenses • Submit claims • Request a new or replacement Benefits Debit Card

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

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

• Follow the prompts to navigate the site.

• If you have any questions or concerns, contact Higginbotham:  Phone – 866-419-3519  Email – flexclaims@higginbotham.net  Fax – 866-419-3516

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2022 - 2023 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 Midway 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 Midway 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.

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