Benefit Contact Information
Higginbotham Public Sector (833) 453-1680 www.mybenefitshub.com/ midlothianisd
Superior Vision Group #326790 (800) 507-3800 www.superiorvision.com
LifeLock www.lifelock.com
Higginbotham (866) 419-3519 https://flexservices.higginbotham.net/
Cigna
Group #HC961376 (800) 244-6224 www.cigna.com
CleverRx (800) 873-1195
https://partner.cleverrx.com/ midlothianisd
Allstate Group #21915 www.allstatenetwork.com
The Standard 800-368-1135
Group #649889-B www.standard.com
Texas Life (800) 283-9233 www.texaslife.com
Cigna
Group #CI962123 (800) 244-6224 www.cigna.com
Cigna
Group #3345041 (800) 244-6224 www.cigna.com
Cigna Group #A1962227 (800) 244-6224 www.cigna.com
The Standard Group #649889 (800) 346-4489 www.standard.com
HSA Bank (800) 357-6246 www.hsabank.com
Methodist Hospital Professional Bldg 979 Don Floyd Drive, Ste. 110 Midlothian, TX 76065 (972) 775-5844
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www.mybenefitshub.com/midlothianisd
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Enter your Information
• Last Name
• Date of Birth
• Last Four (4) of Social Security Number
NOTE: THEbenefitsHUB uses this information to check behind the scenes to confirm your employment status.
Once confirmed, the Additional Security Verification page will list the contact options from your profile. Select either Text, Email, Call, or Ask Admin options to receive a code to complete the final verification step.
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Enter the code that you receive and click Verify. You can now complete your benefits enrollment!
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/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 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 permitt ed 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 eligibility 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 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: https://www.mybenefitshub.com/midlothianisd
Don’t Forget!
How can I find a Network Provider? For benefit summaries and claim forms, go to the Sample ISD benefit website: www.mybenefitshub.com/midlothianisd. 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 vzerify 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 initi al eligibility period. Acti vely-at-work and/or pre existi ng conditi on exclusion provisions do apply, as applicable by carrier.
What is a Pre-Existing Condition? 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).
• Login and complete your benefit enrollment from 07/08/2024 - 08/02/2024
• Enrollment assistance is available by calling Financial Benefit Services at (866) 914-5202.
• Update your information: home address, phone numbers, email, and beneficiaries.
• REQUIRED!! Due to the Affordable Care Act (ACA) reporting requirements, you must add your dependent’s CORRECT social security numbers in the online enrollment system. If you have questions, please contact your Benefits Administrator.
Annual Benefit Enrollment
Employee Eligibility Requirements
Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week..
Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 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.
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.
HSA vs. FSA
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 Employee and/or employer
Account Owner Individual Employer
Underlying Insurance Requirement
Minimum Deductible
Maximum Contribution
High deductible health plan
$1,600 single (2024)
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?
None
$3,200 family (2024) N/A
$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.
$3,200
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. Access to some funds may be extended if your employer’s plan contains a 2 1/2-month grace period.
No
Yes, portable year-to-year and between jobs. No
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Dental Insurance Cigna
ABOUT DENTAL
Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and disease.
For full plan details, please visit your benefit website: www.mybenefitshub.com/midlothianisd
Class I: Diagnostic & Preventive
Oral Evaluations
Prophylaxis: routine cleanings
X-rays
Fluoride Application
Sealants: per tooth
Emergency Care to Relieve Pain
Class II: Basic Restorative Restorative: fillings
Oral Surgery: simple extractions
Oral Surgery: oral surgical procedures
Space Maintainers: non-orthodonic
Class III: Major Restorative Inlays and Onlays
Prosthesis Over Implant
Crowns: prefabricated stainless steel/resin
Crowns: permanent cast and porcelain
Bridges and Dentures
Endodontics: minor and major
Periodontics: minor and major
Oral Surgery: extractions of impacted teeth
Anesthesia: general and IV sedation
Repairs: bridges, crowns and inlays
Repairs: dentures, Denture Relines, Rebases and Adjustments
Class IV: Orthodontia Coverage for Dependent Children to age 19
Lifetime
Dental Insurance Cigna
Policy Year
Class I: Diagnostic & Preventive Oral Evaluations
Prophylaxis: routine cleanings
X-rays: routine
X-rays: non-routine Fluoride Application
Sealants: per tooth
Emergency Care to Relieve Pain
Class II: Basic Restorative Restorative: fillings
Oral Surgery: simple extractions
Oral Surgery: oral surgical porcedures
Space Maintainers: non-orthodontic
Class III: Major Restorative Inlays and Onlays
Prosthesis Over Implant
Crowns: prefabricated stainless steel/resin
Crowns: permanent cast and porcelain
Bridges and Dentures
Endodontics: minor and major
Periodontics: minor and major
Oral Surgery: extractions of impacted teeth
Anesthesia: general and IV sedation
Repairs: bridges, crowns and inlays
Repairs: dentures, Denture Relines, Rebases and Adjustments
Class IV: Orthodontia
Coverage for Dependent Children to age 19
Lifetime
Vision Insurance
Superior Vision
ABOUT VISION
Vision insurance helps cover the cost of care for maintaining healthy vision. Similar to an annual checkup at your family doctor, routine eyecare is necessary to ensure that your eyes are healthy and to check for any signs of eye conditions or diseases . Most plans cover your routine eye exam with a copay and provide an allowance for Frames or Contact Lenses.
For full plan details, please visit your benefit website: www.mybenefitshub.com/midlothianisd
Superior Vision Customer Service 1-800-507-3800
An overview of your vision benefits
• In-network benefits available through network eye care professionals.
• Find an in-network eye care professional at superiorvision.com. Call your eye doctor to verify network participation.
• Obtain a vision exam with either an MD or OD.
• Flexibility to use different eye care professionals for exam and for eyewear.
• Access your benefits through our mobile app – Display member ID card – view your member ID card in full screen or save to wallet .
Our network is built to support you.
• We manage one of the largest eye care professional networks in the country .
• The network includes 50 of the top 50 national retailers . Examples include:
• In-network online retail Providers :
Additional discounts
Members may also receive additional discounts, including 20% off lens upgrades and 30% off additional pairs of glasses.*
Access to LASIK discounts
A LASIK discount is available to all covered members. Our Discounted LASIK services are administered by QualSight. Visit lasik.sv.qualsight.com to learn more.
Access to hearing aid discounts
Members save up to 40% on brand name hearing aids and have access to a nationwide network of licensed hearing professionals through Your Hearing Network.
*Discounts are provided by participating locations. Verify if their eye care professional participates in the discount feature before receiving service.
ate in Superior Vision Discounts, including the member out pocket features. Call your provider prior to scheduling an
Vision plan benefits for Midlothian ISD
Not all providers participate in Superior Vision Discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if he/she offers the discount and member out-of-pocket features. The discount and member out-of-pocket features are not insurance. Discounts and member out-of-pocket are subject to change without notice and do not apply if prohibited by the manufacturer. Lens options may not be available from all Superior Vision providers/all locations.
Cancer Insurance
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/midlothianisd
Receiving a cancer diagnosis can be one of life’s most frightening events. Unfortunately, statistics show you probably know someone who has been in this situation.
With Cancer insurance from Allstate Benefits, you can rest a little easier. Our coverage pays you a cash benefit to help with the costs associated with treatments, to pay for daily living expenses, and more importantly, to empower you to seek the care you need.
Here’s How It Works
You choose the coverage that’s right for you and your family. Our Cancer insurance pays cash benefits for cancer and 29 specified diseases to help with the cost of treatments and expenses as they happen. Benefits are paid directly to you unless otherwise assigned.
With the cash benefits you can receive from this coverage, you may not need to use the funds from your Health Savings Account (HSA) for cancer or specified disease treatments and expenses.
Meeting Your Needs
• Guaranteed Issue, meaning no medical questions to answer at initial enrollment
• Includes coverage for cancer and 29 specified diseases
• Benefits are paid directly to you unless otherwise assigned
• Coverage available for dependents
• Waiver of premium after 90 days of disability due to cancer for as long as your disability lasts (employee only)
• Coverage may be continued; refer to your certificate for details
• Additional benefits may be added to enhance your coverage
• With Allstate Benefits, you can protect your finances if faced with an unexpected cancer or specified disease diagnosis.
Benefits
HOSPITAL CONFINEMENT AND RELATED BENEFITS
• Continuous Hospital Confinement - inpatient admission and confinement
• Government or Charity Hospital - confinements in lieu of all other benefits, except Waiver of Premium
• Private Duty Nursing Services - full-time nursing services authorized by attending physician
• Extended Care Facility - within 14 days of a hospital stay; payable up to the number of days of the hospital stay
• At Home Nursing - private nursing care must begin within 14 days of a covered hospital stay; payable up to the number of days of the previous hospital stay
• Hospice Care Center or Team - terminal illness care in a facility or at home; one visit per day
RADIATION/CHEMOTHERAPY AND RELATED BENEFITS
• Radiation/Chemotherapy for Cancer - covered treatments to destroy or modify cancerous tissue
• Blood, Plasma and Platelets - transfusions, administration, processing, procurement, cross matching
• Hematological Drugs - boosts cell lines for white/red cell counts and platelets; payable when Radiation/ Chemotherapy for Cancer benefit is paid
• Medical Imaging - initial diagnosis or follow-up evaluation based on covered imaging exam
SURGERY AND RELATED BENEFITS
• Surgery* - based on Certificate Schedule of Surgical Procedures
• Anesthesia - 25% of Surgery benefit for anesthesia received by an anesthetist
• Bone Marrow or Stem Cell Transplant - autologous, nonautologous for treatment of cancer or specified disease other than Leukemia, or non-autologous for treatment of Leukemia
• Ambulatory Surgical Center - payable only if Surgery benefit is paid
• Second Opinion - second opinion for surgery or treatment by a doctor not in practice with your doctor
MISCELLANEOUS BENEFITS
• Inpatient Drugs and Medicine - not including drugs/medicine covered under the Radiation/Chemotherapy for Cancer or Anti-Nausea benefits
Cancer Insurance
• Physician’s Attendance - one inpatient visit by one physician
• Ambulance - transfer to or from hospital where confined by a licensed service or hospital-owned ambulance
• Non-Local Transportation - obtaining treatment not available locally
• Outpatient Lodging - more than 100 miles from home
• Family Member Lodging and Transportation - adult family member travels with you during non-local hospital stays for specialized treatment. Transportation not paid if Non-Local Transportation benefit is paid
• Physical or Speech Therapy - to restore normal body function
• New or Experimental Treatment - payable if physician judges to be necessary and only for treatment not covered under other policy benefits
• Prosthesis - surgical implantation of prosthetic device for each amputation
• Hair Prosthesis - wig or hairpiece every two years due to hair loss
• Nonsurgical External Breast Prosthesis - initial prosthesis after a covered mastectomy
• Anti-Nausea Benefit - prescribed anti-nausea medication administered on outpatient basis
• Waiver of Premium** - must be disabled
OPTIONAL/ADDITIONAL BENEFITS
• Cancer Initial Diagnosis – for first-time diagnosis of cancer other than skin cancer
• Wellness Benefit – once per year for one of the 23 exams. See certificate for a list of wellness tests
SPECIFIED DISEASES
See policy certificate for full list of covered diseases.
Policy Specifications
Eligibility
Coverage may include you, your spouse or domestic partner, and children under age 26.
Termination of Coverage
Coverage under the policy ends on the date the policy is canceled; the last day premium payments were made; the last day of active employment, unless coverage is continued due to Temporary Layoff, Leave of Absence or Family and Medical Leave of Absence; the date you or your class is no longer eligible. ^Spouse/domestic partner coverage ends upon divorce/ termination of partnership or your death. Coverage for children ends when the child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent.
Portability Privilege
Coverage may be continued under the Portability Provision when coverage under the policy ends.
Limits and Exclusions
Pre-Existing Condition Limitation: We do not pay benefits for a pre -existing condition during the 12-month period beginning on the date that person’s coverage starts. A pre-existing condition is a disease or condition for which symptoms existed within the 12-month period prior to the effective date, or medical advice or treatment was recommended or received from a medical professional within the 12-month period prior to the effective date. A pre-existing condition can exist even though a diagnosis has not yet been made.
Exclusions and Limitations: We do not pay for any loss except for losses due to cancer or a specified disease. Benefits are not paid for conditions caused or aggravated by cancer or a specified disease. Treatment and services must be needed due to cancer or a specified disease and be received in the United States or its territories.
Hospice Care Team Limitation: Services are not covered for food or meals, well-baby care, volunteers or support for the family after covered person’s death.
Blood, Plasma and Platelets Limitation: Does not include immunoglobulins or blood replaced by donors.
For the Surgery, New or Experimental Treatment and Prosthesis benefits, we pay 50% of the applicable maximum when specific charges are not obtainable as proof of loss.
For the Radiation/Chemotherapy for Cancer benefit, we do not pay for: any other chemical substance which may be administered with or in conjunction with radiation/ chemotherapy; treatment planning, consultation or management; the design and construction of treatment devices; basic radiation dosimetry calculation; any type of laboratory tests; X-ray or other imaging used for diagnosis or monitoring; the diagnostic tests related to these treatments; or any devices or supplies including intravenous solutions and needles related to these treatments
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/midlothianisd
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.
Who Can Elect Coverage:
You: All active, Full-time Employees of the Employer who are regularly working in the United States a minimum of 17.5 hours per week and regularly residing in the United States 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 are residing in the United States. You will be eligible for coverage on the first of the month following date of hire or Active Service. Your Spouse*: 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.
Examples include (but are not limited to) routine gynecological exams, general health exams, mammography and certain blood tests. Benefit paid for all covered persons is 100% of the benefit shown. Also includes COVID-19 Immunization. Virtual Care accepted.
Accident Insurance Cigna
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 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, 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.
Benefit Conditions and Limitations: Refer to the certificate of coverage for details on Common Exclusions and Specific Exclusions and Limitations.
Identity Theft LifeLock
ABOUT IDENTITY THEFT PROTECTION
Identity theft protection monitors and alerts you to identity threats. Resolution services are included should your identity ever be compromised while you are covered.
For full plan details, please visit your benefit website: www.mybenefitshub.com/midlothianisd
Every two seconds, someone is a victim of identity theft. In fact, identity theft was the number one consumer reported crime to the Federal Trade Commission in 2012 – there were over 16.6 million victims, a number expected to increase significantly.
And identity theft is more than just your credit history – the average number of records compromised by data breaches from 2008-2012 was 146 million, and as a result breach victims are four times more likely to have their identities stolen.
And did you know that children are at greater risk? According to a recent news article, police agencies are saying children are now the fastest growing segment of identity theft victims.
Add it all up, and the costs are staggering – in 2012 alone, identity theft cost nearly $24.7 billion.
You have a home security system that alerts you if someone tries to rob your house. To be protected, you need an alarm system for your identity. When LifeLock detects suspicious activity within their network, they notify members before the damage is done. LifeLock detection is different than traditional credit monitoring and offers a comprehensive set of features to protect against identity theft. Legal and remediation services only help after identity theft has occurred. As the industry leader, LifeLock provides proactive protection.
Worrying about your credit isn’t enough
Many people believe their credit card company protects them. You can’t take their word for it because a credit card company protects itself, but not other accounts. If a fraudster opens a new Visa or MasterCard account, gets a payday loan, or starts a new wireless account in your name, one credit card company alone can’t help.
Some consumers believe they can take a DIY approach to monitor credit on their own. However, you can sometimes do three things on your own:
1. Get one free credit report a year, but what do you do the rest of the year?
2. Set up fraud alerts that last 90 days and then you have to reset it.
3. Put a credit freeze on after you’ve been victimized. All three of these can be inconvenient, and of limited value.
Choose the LifeLock service that’s right for you
• LifeLock Standard™ identity theft protection uses innovative monitoring technology and alert tools to help proactively safeguard your credit and finances.
• LifeLock Ultimate® service provides peace of mind knowing you have the most comprehensive identity theft protection available. Enhanced services include bank account application and takeover alerts, online credit reports and credit scores.
• LifeLock Junior™ is a proactive defense system rolled into family plans that helps keep your child’s information safe. A child’s clean and unmonitored credit file is a gold mine for identity thieves, with critical misuse and damage potentially going completely undetected for years.
How to enroll:
• Enroll through your employer.
• Provide the name, Social Security number, date of birth, address, email and phone number for you and each dependent you wish to enroll.††
• Select your level of coverage.*
• Your LifeLock coverage will begin upon successful completion of your enrollment.
• You will receive a welcome email from LifeLock with instructions on how to take full advantage of your LifeLock membership.
Identity Theft LifeLock
Disability Insurance
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/midlothianisd
Eligibility
To become insured, you must be:
• A regular, full-time employee of the Midlothian Independent School District, excluding temporary or seasonal employees, full-time members of the armed forces, leased employees or independent contractors.
• Actively at work at least 17.5 hours each week
• A citizen or resident of the United States or Canada
Employee Coverage Effective Date
• Please contact your human resources representative for more information regarding the following requirements that must be satisfied for you insurance to become effective. You must satisfy:
• Eligibility requirements
• An eligibility waiting period (check with your human resources representative)
• An evidence of insurability requirement, if applicable
• An active work requirement. This means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one day of active work as an eligible employee.
Benefit Amount
You may select a monthly benefit in $100 increments from $200 to $8,000; based on guidelines. The monthly benefit amount must not exceed 70 percent of your monthly earnings.
• Maximum Monthly Benefit: 70 percent of your pre-disability earnings
• Minimum Monthly Benefit: 25 percent of your LTD benefit before reduction by disability income
Benefit Waiting Period and Maximum Benefit Period
The benefit waiting period is the period of time that you must be continuously disabled before benefits become payable. Benefits are not payable during the benefit waiting period. The maximum benefits period is the period for which benefits are payable. The benefit waiting period and maximum benefit period associated with your plan options are shown below:
Disability Insurance The Standard
Options 1-6: Maximum Benefits Period to Age 65 for Sickness and Accident
If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins:
Any Occupation Period
The any occupation period begins at the end of the won occupation period and continues until the end of the maximum benefit period.
Other LTD Features:
• Employee Assistance Program (EAP)
• Family Care Expense Adjustment
• Special Dismemberment Provision
• Reasonable Accommodate Expense Benefit
• Survivor Benefit
• Return to Work (RTW) Incentive
• Rehabilitation Plan Provision
*See certificate of coverage for more information on these features.
When Benefits End
LTD benefits end automatically on the earliest of:
• The date you are no longer disabled
First Day Hospital Benefit
With this benefits, if an insured employee is hospital confined for at least four hours, is admitted as an impatient and is charged room and board during the benefit waiting period, the benefits waiting period will be satisfied. Benefits become payable on the date of hospitalization; the maximum benefit period also being on that date. This feature is included only on LTD plans with benefits waiting periods of 30 days or less.
Preexisting conditions Exclusion
Preexisting Condition Period: the 90-day period just before your insurance becomes effective Exclusion Period: 12 months
Preexisting Condition Waiver
If your insurance has been in force for 12 months or more, for the first 90 days of disability after the benefit waiting period, the Preexisting Condition provision will not be applied to an increase in your benefit amount. After 90 days of benefits, the Preexisting Condition provision will apply to increase of more than $300. The Preexisting Condition applies immediately if you:
• Decrease your benefit waiting period by more than one level; or
• Increase your maximum benefit period
If a disability is deemed to be a preexisting condition, benefits are payable under the prior elections, if any.
If your insurance has been in force for less than 12 months and your disability is found to be a preexisting condition, you may be eligible for up to 90 days of benefits if you are disabled and meet all applicable policy provisions.
Own Occupation Period
For the plan’s definition of disability, as described in your brochure, the own occupation period is the first 24 months for which LTD benefits are paid.
• The date your maximum benefit period ends
• The date you die
• The date benefits become payable under other LTD plan which you coming insured through employment during a period of temporary recovery
• The date you fail to provide proof of continued disability and entitlement to benefits
Disability Insurance The Standard
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.
Voluntary Life The Standard
ABOUT VOLUNTARY TERM LIFE
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.
For full plan details, please visit your benefit website: www.mybenefitshub.com/midlothianisd
Voluntary Term Life
Help protect your loved ones from financial hardship. Life insurance coverage is designed to help provide financial support and stability to your family should you pass away.
About This Coverage
How much can I apply for?
• For you:$10,000-$500,000 in increments of $10,000
• For your spouse: $10,000-$250,000 in increments of $5,000
• For your child(ren):$10,000
What is the guarantee issue maximum?
• For you: Up to $150,000
• For your spouse: Up to $50,000
Additional Features
• Accelerated Benefit: If you become terminally ill, you be eligible to receive up to 75 percent of your life benefit to a maximum of $500,000
• Travel Assistance: Available 24 hours a day, this service connects you to resources when you’re traveling at least 100 miles from home or in a foreign country up to 180 days.
• Live Services Toolkit: This service allows you and your beneficiaries access to online content for will preparation, identity theft support and other tools and calculators, and provides your beneficiaries with services for grief, and legal and financial matters.
How Much Insurance To You Need:
After a serious accident or death in the family, there are many unexpected expenses. Your benefits could help your family pay for: Outstanding debt, burial expenses, medical bills, your children’s education and daily expenses. To estimate your insurance needs, you’ll need to cinside your unique circumstances. Use the online calculator at www.standard.com/ life/needs
A Few Important Details
• Medical Underwriting Approval for Life Coverage – required for coverage amounts higher than the guaranteed issue, all late applicants (applying 31 days after becoming eligible), requests for coverage increases, reinstatements, employees eligible but not insured under the prior life insurance plan.
• Coverage Effective Date for Life Coverage – to become insured, you must: meet eligibility requirements, serve and eligibility waiting period, receive medical underwriting approval (if applicable), apply for coverage and agree to pay premiums and be actively at work (able to perform normal duties of your job) on the day before insurance is scheduled to be effective.
• When Your Insurance Ends – your insurance ends when any of the following occur: the date the last period ends for which a premium was paid, the date your employment terminates, the date you cease to meet eligibility requirements, the date the group policy, or your employer’s coverage under the group policy, terminates. The date your Life insurance ends, your AD&D coverage will also end.
Voluntary AD&D The Standard
ABOUT VOLUNTARY AD&D
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/midlothianisd
Voluntary Accidental Death and Dismemberment (AD&D) Insurance
Accidental Death & Dismemberment (AD&D) insurance provides an extra layer of protection if you die or become dismembered in an accident. You can also cover your eligible spouse and child (ren).
About This Coverage
The benefit is paid if you are seriously injured or pass away as a result of a covered accident.
What does my AD&D benefit provide?
For You: If you elect Life insurance, you may elect AD&D insurance in increments of $10,000 from $10,000 to $500,000
Additional Features
• Seat Belt and Air Bag Benefit(s): The Standard may pay an additional benefit if you die while wearing a seatbelt, provided certain conditions are met. If the car’s air bags deploy during an accident, an air bag benefits may also be payable.
• Family Benefits Package: Eligible family members may be entitled to receive additional financial help for child care, college or career training. Included are the Child Care Benefit, Higher Education Benefit and Career Adjustment Benefit.
• Repatriation Benefit: Provides a reimbursement for expenses associated with transporting your body back to a mortuary near your home in case you death occurs away from your primary place of residence.
Eligibility
To be eligible for this plan you must be an active employee of Midlothian Independent School District and regularly working at least 17.5 hours each week. An eligible employee does not include a full-time member of the armed forces, a temporary, leased or seasonal employee, or independent contractor.
Employee Coverage Effective Date
You must satisfy:
• Eligibility requirements
• An eligibility waiting period (check with your HR for details)
• An active work requirement. This means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one day of active work as an eligible employee.
When Your Insurance Ends
Your insurance ends automatically when any of the following occur: the date the last period ends for which premium was paid, the date your employment terminates, the ate you cease to meet eligibility requirements, the date the group policy – or your employer’s coverage under the group’s policy – terminates, for each elective insurance coverage, the date that coverage terminates under the group policy, the date your Life coverage ends, your AD&D coverage will end as well.
Flexible Spending Account (FSA) Higginbotham
ABOUT FSA
A Flexible Spending Account allows you to pay for eligible healthcare expenses with a pre-loaded debit card. You choose the amount to set aside from your paycheck every plan year, based on your employer’s annual plan limit. This money is use it or lose it within the plan year (unless your plan contains a $500 rollover or grace period provision).
For full plan details, please visit your benefit website: www.mybenefitshub.com/midlothianisd
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
You may have the option to enroll in both a HSA and FSA, however doing so will make your FSA a “Limited” FSA, which means it will only be available for dental and vision expenses. All medical expenses would need to be processed through your HSA.
Higginbotham Benefits Debit Card
The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits (EOB).
Dependent Care FSA
The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full time. You can use the account to pay for day care or baby sitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you must be a single parent or you and your spouse must be employed outside the home, disabled or a full-time student.
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
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
Basic Life and AD&D
The Standard
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/midlothianisd
Who is eligible for this coverage?
What is the coverage amount?
Any active employees of Midlothian Independent School District working 17.5 hours or more per week
$40,000
What is the guaranteed issue? Full benefit; $40,000
Is it portable (can I keep it if I leave my employer)? Yes
When is the coverage effective?
Waiver of Premium
Date of hire
• Eligible to waive at age 60
• Waived to age 65
Additional AD&D Benefits Matches the basic life benefit at $40,000
• Loss of life at 100%
• Loss of one hand or foot at 50%
• Loss of sight in one eye at 50%
What does the Basic AD&D portion pay for?
• Any combination of the above listed losses at 100%
• Seat belt benefit – payable up to $10,000
• Air Bag Benefit – payable up to $5,000
• Family Benefits Package – included
• To 65% at age 65
Do my life insurance benefits decrease with age?
• To 50% at age 70
• To 35% at age 75
Permanent Life Insurance Texas Life Insurance Company
ABOUT PERMANENT LIFE INSURANCE
Permanent life insurance is a type of life insurance policy that provides coverage for the insured’s entire lifetime, as long as the premiums are paid. It complements term life insurance, which covers the insured for a specified period of time. Permanent life insurance is the coverage you can keep when your employment ends.
For full plan details, please visit your benefit website: www.mybenefitshub.com/sampleisd
www.mybenefits.com/midlothianisd
Voluntary permanent life insurance can be an ideal complement to the group term and voluntary term life insurance your employer might provide. This voluntary permanent 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 life insurance may be portable if you change jobs, but even if you can keep them after you retire, they usually cost more and decline in death benefit.
The contract, PureLife-plus, is underwritten by Texas Life Insurance Company, and it has the following features:
• HIGH DEATH BENEFIT. Written on a minimal cash-value Universal Life frame, PureLife-plus features one of the highest death benefits per payroll-deducted dollar offered at the worksite.1
• REFUND OF PREMIUM. Unique in the workplace, PureLife-plus offers you a refund of 10 years’ premium, should you surrender the contract if initial specified premium paid for ever increases. (Conditions apply.)
• ACCELERATED DEATH BENEFIT DUE TO TERMINAL ILLNESS RIDER. Should you be diagnosed as terminally ill with the expectation of death within 12 months, you will have the option to receive 92% of the death benefit, minus a $150 ($100 in Florida) administrative fee. Included with your contract at no additional cost, this valuable living benefit helps give 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)
• MINIMAL CASH VALUE. Designed to provide a high death benefit at a reasonable premium, PureLife-plus helps provide 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. Enjoy the assurance of a contract that has a guaranteed death benefit to age 121 and level premium that guarantees coverage for a significant period of time (after the guaranteed period, premiums may go down, stay the same, or go up).2
1 Voluntary Whole and Universal Life Products, Eastbridge Consulting Group, March 2022
2 As long as you pay the necessary premium. Guarantees are subject to product terms, limitations, exclusions, and the insurer’s claims paying ability and financial strength. 45 years average for all ages based on our actuarial review.
Permanent Life Insurance
Texas Life Insurance Company
WHO CAN APPLY FOR COVERAGE?
Actively at work employees at issue ages 17-70 are eligible. Spouses, issue age 17-60, children ages 15 days to 26 years, and grandchildren ages 15 days to 18 years are eligible to apply for this coverage as well3. Employees do not have to participate in order to apply for coverage on eligible dependents.
SAMPLE RATES
You can qualify by answering just 3 questions4 –no exams or needles.
During the last six months, has the proposed insured:
Been actively at work on a full time basis, performing usual duties?
Been absent from work due to illness or medical treatment for a period of more than 5 consecutive working days?
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, dialysis treatment, or treatment for alcohol or drug abuse?
3 Coverage not available on children in WA or on grandchildren in WA or MD. In MD, children must reside with the applicant to be eligible for coverage.
4 Issuance of coverage will depend on the answer to these questions.
Important Note: Texas Life does not offer legal or financial advice. Contact an attorney and a financial advisor in your state for legal and financial information on wills, estates and trusts.
PureLife-plus is a Flexible Premium Adjustable Life Insurance to Age 121. As with most life insurance products, Texas Life contracts and riders contain certain exclusions, limitations, exceptions, reductions of benefits, waiting periods and terms for keeping them in force. Please contact a Texas Life representative or see the Purelife-plus brochure for costs and complete details. Contract Form ICC18-PRFNG-NI-18, Form Series PRFNG-NI-18 or PRFNGNI-20-OHIO.
Health Savings Accounts
Maximize your savings
A Health Savings Account, or HSA, is a tax-advantaged savings account you can use for healthcare expenses. Along with saving you money on taxes, HSAs can help you grow your nest egg for retirement.
How an HSA works:
• Contribute to your HSA by payroll deduction, online banking transfer or personal check.
• Pay for qualified medical expenses for yourself, your spouse and your dependents. Both current and past expenses are covered if they’re from after you opened your HSA.
• Use your HSA Bank Health Benefits Debit Card to pay directly, or pay out of pocket for reimbursement or to grow your HSA funds.
• Roll over any unused funds year to year. It’s your money — for life.
• Invest your HSA funds and potentially grow your savings.¹
What’s covered?
You can use your HSA funds to pay for any IRS-qualified medical expenses, like doctor visits, hospital fees, prescriptions, dental exams, vision appointments, over-the-counter medications and more. Visit hsabank.com/QME for a full list.
Am I eligible for an HSA?
You’re most likely eligible to open an HSA if:
• You have a qualified high-deductible health plan (HDHP).
• You’re not covered by any other non-HSA-compatible health plan, like Medicare Parts A and B.
• You’re not covered by TriCare.
• No one (other than your spouse) claims you as a dependent on their tax return.
How much can I contribute?
The IRS limits how much you can contribute to your HSA every year. This includes contributions from your employer, spouse, parents and anyone else.2
2023
Maximum contribution limit
$3,850 $7,750 SINGLE PLAN FAMILY PLAN
Catch-up contributions
You may be eligible to make a $1,000 HSA catch-up contribution if you’re:
• Over 55.
• An HSA accountholder.
• Not enrolled in Medicare (if you enroll mid-year, annual contributions are prorated).
Triple tax savings
Maximum contribution limit
2024
$4,150 $8,300 SINGLE PLAN FAMILY PLAN
¹
A huge way that HSAs can benefit you is they let you save on taxes in three ways.
1 You don’t pay federal taxes on contributions to your HSA.3
2 Earnings from interest and investments are tax-free.
3 Distributions are tax free when used for qualified medical expenses.
2 HSA contributions in excess of IRS limits are subject to penalty and tax unless the excess and earnings are withdrawn prior to the tax filing deadline as explained in IRS Publication 969.
3 Federal tax savings are available regardless of your state. State tax laws may vary. Consult a tax professional for more information.
Visit hsabank.com or call the number on the back of your debit card for more information.
Hospital Indemnity 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/midlothianisd
Elimination Period. Limited to 1 day, 1 benefit(s) every 365 days.
Chronic Condition Admission No Elimination Period. Limited to 1 day, 1 benefit(s) every 90
Hospital Care coverage provides a benefit according to the schedule below when a Covered Person incurs a Hospital stay resulting from a Covered Injury or Covered Illness .
Who Can Elect Coverage:
• You: All active, Full-time Employees of the Employer who are regularly working in the United States a minimum of 17.5 hours per week and regularly residing in the United States 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 are residing in the United States. You will be eligible for coverage on the first of the month following date of hire or Active Service.
• Your Spouse:* 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.
Newborn
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
Hospital Indemnity Cigna
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.
Common Exclusions and Limitations
Exclusions:* In addition to any benefit-specific exclusion, benefits will not be paid for any Covered Injury or Covered Illness which is caused by or results from any of the following (unless otherwise provided for in the policy): • Intentionally self-inflicted injury, suicide or any attempted threat while sane or insane; • Commission or attempt to commit a felony or an assault; • Declared or undeclared war or act of war;• A Covered Injury or Covered Illness that occurs while on active duty service in the military, naval or air force of any country or international organization. Upon our receipt of proof of service, we will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days;• Voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage (excludes WA residents);• Operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. “Under the influence of alcohol”, for purposes of this exclusion, means intoxicated, as defined by the law of the state in
which the Covered Injury or Covered Illness occurred. (excludes WA residents);• Those not necessary, as determined by Us in accordance with generally accepted standards of medical practice, for the diagnosis, care or treatment of the physical or mental condition involved. This applies even if they are prescribed, recommended, or approved by the attending physician;• Elective or cosmetic surgery. This does not include reconstructive, cosmetic surgery: a) incidental to or following surgery for trauma, infection or other disease of the involved part; or b) due to congenital disease or anomaly of a Covered Dependent child which has resulted in a functional defect;• Dental surgery, unless the surgery is the result of an accidental injury. In addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is: employed or retained by the Subscriber or providing homeopathic, aroma- therapeutic or herbal therapeutic services or living in the Covered Person’s household or a parent, sibling, spouse or child of the Covered Person.
Policy Provisions
• 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.
• 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 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. Deferral of the effective date will not apply to the Newborn Nursery Care Admission and Stay Benefit.
• When your coverage ends: Coverage for any Covered Person ends on the earliest of the date they 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 Spouse and Dependent Child(ren), if applicable, 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 if you stop working. Be sure to read the Continuation of Insurance provisions in your Certificate.
Critical Illness Insurance 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/midlothianisd
Critical Illness insurance provides a cash benefit when a Covered Person is diagnosed with a covered critical illness or event after coverage is in effect.
Who Can Elect Coverage:
• You: All active, Full-time Employees of the Employer who are regularly working in the United States a minimum of 17.5 hours per week and regularly residing in the United States 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 are residing in the United States. You will be eligible for coverage on the first of the month following date of hire or Active Service.
• Your Spouse:* Up to age 100, as long as you apply for and are approved for coverage yourself.
• Your Child(ren): Birth to age 26; 26+ if disabled, as long as you apply for and are approved for coverage yourself.
Available Coverage:
The benefit amounts shown will be paid regardless of the actual expenses incurred. The benefit descriptions are a summary only. There are terms, conditions, state variations, exclusions and limitations applicable to these benefits. Please read all of the information in this Summary and your Certificate of Insurance for more information. All Covered Critical Illness Conditions must be due to disease or sickness.
Critical Illness Insurance Cigna
Covered Conditions (cont’d)
Childhood Conditions
Wellness Treatment, Health Screening Test and Preventive Care Benefit*
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 regardless of the actual expenses incurred and is paid on a per day basis. Also includes COVID-19 Immunization. Virtual Care accepted.
1 per year Benefits
Initial Critical Illness Benefit
Recurrence Benefit
Benefit for a diagnosis made after the effective date of coverage for each Covered Condition shown above. The amount payable per Covered Condition is the Initial Benefit Amount multiplied by the applicable percentage shown. Each Covered Condition will be payable one time per Covered Person, subject to the Maximum Lifetime Limit. A 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 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.
Express Care Clinic
ABOUT EXPRESS CARE CLINIC
The clinic is open year round including district summer, fall, winter, and spring breaks.
For full plan details, please visit your benefit website: www.mybenefitshub.com/midlothianisd
Welcome to the MISD Express Care. This is a low cost, convenient walk-in clinic for Midlothian ISD employees, spouses, and dependents. The clinic is designed to provide high-quality treatment for common acute conditions, such as flu, sinus infections, asthma attacks, skin conditions, strep, UTIs and other conditions. When employees visit the clinic, the MISD Express Care personnel will schedule them for a specific time, between 3 to 7 p.m. The scheduled time will be based on the number of patients that have come in prior to them and have paid the non-refundable visit fee of $10 to save their appointment time. All appointments are first-come, first-serve. Once an appointment time is scheduled, the employee is then given the option to wait at the clinic to be seen or return to the clinic at their designated time.
Occasionally, due to limited appointment availability, there may be days in which not all employees desiring to be seen will be able to visit a medical provider that same day.
To help ensure employees receive care when and where they need it most, MISD Express Care also offers on-demand virtual video visits, between 8:00AM-8:00PM, for the same $10 visit fee. Employees can request a virtual visit by calling one of our dedicated schedulers at 214-730-6828 and press option 2. When employees call they will be asked a few short questions and will be scheduled for a virtual video visit with Kelly Copeland, Nurse Practitioner.
Due to MISD Express Care’s commitment to high-quality care delivery, there are some conditions that are not appropriate to be treated virtually at which time employees will be refunded the cost of the virtual visit and directed to be seen in person at the MISD Express Care clinic for a non-refundable visit fee of $10.
Clinic Contact
MISD Express Care Clinic
Methodist Hospital Professional Building 979 Don Floyd Drive, Ste. 110
Midlothian, TX 76065
Phone: 972-775-5844
Fax: 972-775-4620
Clinic Hours
Mon-Fri 3:00PM – 7:00PM
As of July 8, 2020, employees may now call the number above for an appointment time during the clinic hours and not have to wait for the next available time.
Virtual Clinic Hours
Mon-Fri 8:00AM – 8:00PM
Holiday Hours
The MISD Express Care Clinic will be closed on most major holidays.
Closures are subject to change. It is advised to call before going to the clinic.
NOTE: The clinic is open year round including district summer, fall, winter, and spring breaks
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 Midlothian 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 Midlothian 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.