Benefit Contact Information
Higginbotham Public Sector (833) 505-3782 www.mybenefitshub.com/alamoheightsisd alamoheightsisd@hps.higginbotham.net
EECU (817) 882-0800 www.eecu.org
Cigna
Group #338077 (800) 244-6224 www.cigna.com
Cigna (800) 244-6224 www.cigna.com
Recuro Health (855) 673-2876 www.recurohealth.com
Humana Group #6668322 (800) 233-4013 www.humana.com
Clever RX (800) 873-1195 https://cleverrx.com/
Superior Vision Group #334550 (800) 507-3800 www.superiorvision.com
The Hartford Group #874729 (866) 547-4205 www.thehartford.com HOSPITAL
The Hartford Group #VHI-874729 (866) 547-4205 www.thehartford.com
Chubb Claims Assistance: (888) 499-0425
MASA
Group #MKAHISD (800) 423-3226 www.masamts.com
URGENT
CARE
Next Level Prime (281) 783-8162 nextlevelurgentcare.com
Chubb Group #100000043 (888) 499-0425 www.chubb.com
The Hartford (888) 563-1124 www.thehartford.com
Higginbotham (866) 419-3519 Flexclaims@higginbotham.com
The Hartford (866) 547-4205 www.thehartford.com
Texas Life (800) 283-9233 www.texaslife.com
AllOne Health (866) 327-2400 allonehealth.com/deeroaks
Mobile Enrollment
Enrollment made easy with your smartphone or tablet.
Text “BENEFITS” to (214) 831-4203 to opt into important text message* enrollment reminders. Scan the QR code to go to your benefit website for:
• Benefit Resources
• Online Enrollment
• Interactive Tools
• And more!
*Standard message rates may apply.
Login Process
1
2
www.mybenefitshub.com/alamoheightsisd
3
4
CLICK LOGIN
5
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.
Enter the code that you receive and click Verify. You can now complete your benefits enrollment!
Annual Benefit Enrollment
Annual Enrollment
During your annual enrollment period, you have the opportunity to review, change or continue benefit elections each year. Changes are not permitted during the plan year (outside of annual enrollment) unless a Section 125 qualifying event occurs.
• Changes, additions or drops may be made only during the annual enrollment period without a qualifying event.
• Employees must review their personal information and verify that dependents they wish to provide coverage for are included in the dependent profile. Additionally, you must notify your employer of any discrepancy in personal and/or benefit information.
• Employees must confirm on each benefit screen (medical, dental, vision, etc.) that each dependent to be covered is selected in order to be included in the coverage for that particular benefit.
New Hire Enrollment
All new hire enrollment elections must be completed in the online enrollment system within the first 30 days of benefit 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 Benefit Office or you can call Higginbotham Public Sector at (833) 505-3782 for assistance.
Where can I find forms?
For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/ alamoheightsisd. 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 Alamo Heights ISD benefit website: www.mybenefitshub.com/alamoheightsisd. 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 log in 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
Section 125 Cafeteria Plan Guidelines
A Cafeteria plan enables you to save money by using pre-tax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment will become effective on the plan effective date and will remain in effect during the entire plan year.
CHANGES IN STATUS (CIS):
Marital Status
Change in Number of Tax Dependents
Change in Status of Employment Affecting Coverage Eligibility
Gain/Loss of Dependents’ Eligibility Status
Judgment/ Decree/Order
Eligibility for Government Programs
Changes in benefit elections can occur only if you experience a qualifying event. You must present proof of a qualifying event to your Benefit Office within 30 days of your qualifying event and meet with your Benefit Office to complete and sign the necessary paperwork in order to make a benefit election change. Benefit changes must be consistent with the qualifying event.
QUALIFYING EVENTS
A change in marital status includes marriage, death of a spouse, divorce or annulment (legal separation is not recognized in all states).
A change in number of dependents includes the following: birth, adoption and placement for adoption. You can add existing dependents not previously enrolled whenever a dependent gains eligibility as a result of a valid change in status event.
Change in employment status of the employee, or a spouse or dependent of the employee, that affects the individual’s eligibility under an employer’s plan includes commencement or termination of employment.
An event that causes an employee’s dependent to satisfy or cease to satisfy coverage requirements under an employer’s plan may include change in age, student, marital, employment or tax dependent status.
If a judgment, decree, or order from a divorce, annulment or change in legal custody requires that you provide accident or health coverage for your dependent child (including a foster child who is your dependent), you may change your election to provide coverage for the dependent child. If the order requires that another individual (including your spouse and former spouse) covers the dependent child and provides coverage under that individual’s plan, you may change your election to revoke coverage only for that dependent child and only if the other individual actually provides the coverage.
Gain or loss of Medicare/Medicaid coverage may trigger a permitted election change.
Annual Benefit Enrollment
Employee Eligibility Requirements
Supplemental Benefits: Eligible employees must work 15 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 2025 benefits become effective on September 1, 2025, you must be actively-at-work on September 1, 2025 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.
Dental (PPO/MAC) To age 26
Dental (DHMO) To age 26
Telehealth To age 26
Vision To age 26
Cancer To age 26
Medical Supplement/Gap To age 19 or 24 if full-time student
Accident To age 26
Voluntary Life and AD&D To age 26
Critical Illness To age 26
Individual Life To age 26
Emergency Medical Transport To age 26
Hospital Indemnity To age 26
Medical To age 26
Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on spouse eligibility.
FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance.
Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on dependent eligibility.
Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Higginbotham Public Sector from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your Benefit Office to request a continuation of coverage.
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
Underlying Insurance Requirement High deductible health plan None
Minimum Deductible
Maximum Contribution
Permissible Use Of Funds
Cash-Outs of Unused Amounts (if no medical expenses)
$1,650 single (2025)
$3,300 family (2025) N/A
$4,300 single (2025)
$8,550 family (2025)
Employees may use funds any way they wish. If used for non-qualified medical expenses, subject to current tax rate plus 20% penalty.
$3,300 (2025)
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
Year-to-year rollover of account balance? Yes, will roll over to use for subsequent year’s health coverage.
Does the account earn interest?
Portable?
Yes
No. Access to some funds may be extended if your employer’s plan contains a 2 1/2 –month grace period or $500 rollover provision.
No
Yes, portable year-to-year and between jobs. No
Medical Insurance
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/alamoheightsisd
ALAMO HEIGHTS ISD
Shown in monthly amounts
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Cigna OAP
Cigna OAPIN
Cigna OAP
Prescription Savings
START SAVING TODAY WITH CLEVER RX
100% FREE to use
Unlock discounts on thousands of medications
Save up to 80% off prescription drugs – often beats the average copay
Accepted at most pharmacies nationwide
For full plan details, please visit: partner.cleverrx.com/alamoheightsisd
Clever RX Benefits
With Clever RX, you never have to overpay for prescriptions. When you use the Clever RX card or app, you get up to 80% off prescription drugs, discounts on thousands of medications and usage at most pharmacies nationwide.
STEP 1
Download the free Clever RX app and enter these numbers during the onboarding process:
• Group ID 1085
• Member ID 1898
STEP 2
Use your ZIP code to find a local pharmacy with the best price for your medication - up to 80% off!
STEP 3
Click the voucher with the lowest price, closest location, and/or at your preferred pharmacy and show the voucher to the pharmacist.
Questions?
Call Clever RX Customer Service at (800) 873-1195.
Health Savings Account (HSA)
ABOUT HSA
A Health Savings Account (HSA) is a personal savings account where the money can only be used for eligible medical expenses. Unlike a flexible spending account (FSA), the money rolls over year to year however only those funds that have been deposited in your account can be used. Contributions to a Health Savings Account can only be used if you are also enrolled in a High Deductible Health Care Plan (HDHP).
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
Health Savings Account
A Health Savings Account (HSA) is a tax-exempt tool to supplement your retirement savings and to cover current and future health costs.
An HSA is a type of personal savings account that 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 current or future 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.
You Decide How To Use Your HSA Funds
Use it Now
• Make annual HSA contributions.
• Pay for eligible medical costs.
• Keep HSA funds in cash. Let it Grow
• Make annual HSA contributions.
• Pay for medical costs with other funds.
• Invest HSA funds.
If you are age 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.
Important HSA Information
• Have your in-network doctor file your claims and use your HSA debit card to pay any balance due.
• You must keep ALL your records and receipts for HSA reimbursements in case of an IRS audit.
• Only HSA accounts opened through our plan administrator are eligible for automatic payroll deduction.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not enrolled in Medicare, Medicaid, or TRICARE
• Not receiving Veterans Administration benefits
2025 Maximum HSA Contributions
• $4,300 Individual
• $8,550 Family
HSA contributions are tax-deductible and grow taxdeferred. Withdrawals for qualifying medical expenses are tax-free.
HSA Contacts
• Register for an account at www.eecu.org
• Call (817) 882-0800
Telehealth Recuro Health
ABOUT TELEHEALTH
Telehealth provides 24/7/365 access to board-certified doctors via telephone or video consultations that can diagnose, recommend treatment and prescribe medication. Telehealth makes care more convenient and accessible for non-emergency care when your primary care physician is not available.
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
Alongside your medical coverage is access to quality telehealth services through Recuro. Connect anytime day or night with a board-certified doctor via your mobile device or computer. While Recuro does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:
• Have a non-emergency issue and are considering a convenience care clinic, urgent care clinic or emergency room for treatment
• Are on a business trip, vacation or away from home
• Are unable to see your primary care physician
When to Use Telehealth
At a cost that is the same or less than a visit to your physician, use telehealth services for minor conditions such as:
• Sore throat
• Headache
• Stomachache
• Cold
• Flu
• Allergies
• Fever
• Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Registration is Easy Register with Recuro so you are ready to use this valuable service when and where you need it.
• Online – www.recurohealth.com
• Phone – (855) 673-2876
• Mobile – download the Recuro mobile app to your smartphone or mobile device
Dental PPO 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/alamoheightsisd
Coverage is provided through Cigna. Two levels of benefits are available with the DPPO plan: innetwork and out-of-network. You may select the dental provider of your choice, but your level of coverage may vary based on the provider you see for services. You could pay more if you use an outof-network provider.
How to Find an In-network Dentist
To search for a dentist on Cigna. com, visit the site and click “Find a Doctor, Dentist or Facility.” Follow the prompts on screen and when asked to choose your plan, select “DPPO/EPO > Total Cigna DPPO.” Or call (800) 244-6224 to find an in-network dentist.
How to Request a New ID Card
You can request your dental id card by contacting Cigna directly at (800) 244-6224. You can also go to www.mycigna.com and register/ login to access your account. In addition you can download the “MyCigna” app on your smartphone and access your id card right there on your phone.
Class I: Diagnostic & Preventive
Oral Evaluations
Prophylaxis: routine cleanings
X-rays: routine & non-routine
Fluoride Application
Sealants: per tooth
Space Maintainers: non-orthodontic
Emergency Care to Relieve Pain
Class II: Basic Restorative
Restorative: fillings
Endodontics: minor and major
Periodontics: minor and major
Oral Surgery: minor and major
Anesthesia: general and IV sedation Repairs: dentures
Class III: Major Restorative Inlays and Onlays
Prosthesis Over Implant
Crowns: prefabricated stainless steel / resin
Crowns: permanent cast and porcelain
Bridges and Dentures
Repairs: bridges, crowns and inlays
Denture Relines, Rebases and Adjustments
Class IV: Orthodontia
Coverage for Dependent Children to age 19
Lifetime Benefits Maximum: $1,000
Cigna Dental
Dental DHMO
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/alamoheightsisd
Coverage is provided through HumanaDental benefits. After you enroll in a plan and receive your ID card, you can manage your plan information on your personal home page on Humana.com.
• You have the freedom to select any participating general dentist as your primary care dentist. To select a dental provider from our network, simply visit Humana. com. Once there, you can also check your benefits, email us and get a new or temporary ID card. If you prefer, contact us at 1-800-342-5209.
• Life without claim forms! With the HumanaDental DHMO plan you pay your dentist directly, when applicable.
• Your primary dentist will provide all of your routine dental care and you will pay any copayment or discounted charges at the time of service.
• If you need a specialty dentist, you may receive up to a 25 percent discount by using certain participating specialty dentists from our network. Visit Humana.com to find a participating specialist.
Dental PPO
Vision Insurance
Vision Insurance
Superior Vision
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/alamoheightsisd
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 featur e before receiving service.
Vision plan benefits for Alamo Heights 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.
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/alamoheightsisd
EDUCATOR DISABILITY INSURANCE OVERVIEW
What is Educator Disability Income Insurance?
Educator Disability insurance combines the features of a short-term and long-term disability plan into one policy. The coverage pays you a portion of your earnings if you cannot work because of a disabling illness or injury. The plan gives you the flexibility to choose a level of coverage to suit your need.
You have the opportunity to purchase Disability Insurance through your employer. This highlight sheet is an overview of your Disability Insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.
Why do I need Disability Insurance Coverage?
More than half of all personal bankruptcies and mortgage foreclosures are a consequence of disability
The average worker faces a 1 in 3 chance of suffering a job loss lasting 90 days or more due to a disability
Only 50% of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income
ELIGIBILITY AND ENROLLMENT
Eligibility
You are eligible if you are an active employee who works at least 20 hours per week on a regularly scheduled basis.
Enrollment You can enroll in coverage within 31 days of your date of hire or during your annual enrollment period.
Effective Date
Coverage goes into effect subject to the terms and conditions of the policy. You must satisfy the definition of Actively at Work with your employer on the day your coverage takes effect.
Actively at Work
You must be at work with your Employer on your regularly scheduled workday. On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours. If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session.
FEATURES OF THE PLAN
Benefit Amount
You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $7,500 that cannot exceed 66 2/3% of your current monthly earnings. Earnings are defined in The Hartford’s contract with your employer.
Elimination Period
You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a disability benefit payment. The elimination period that you select consists of two numbers. The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.
For those employees electing an elimination period of 30 days or less, if your are confined to a hospital for 24 hours more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.
Disability Insurance
PROVISIONS OF THE PLAN
Definition of Disability
Disability is defined as The Hartford’s contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy, or other medical conditions covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre-disability earnings.
One you have been disabled for 24 months, you must be prevented from performing one or more essential duties of any occupation, and as a result, your monthly earnings are 66 2/3% or less of your pre-disability earnings.
Pre-Existing Condition Limitation
Your policy limits the benefits you can receive for a disability caused by a pre-existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have not received treatment for the disabling condition within 3 months, while insured under this policy, before the disability begins, or You have been insured under this policy for 12 months before your disability begins.
If your disability is a result of a pre-existing condition, we will pay benefits for a maximum of 4 weeks.
How to File a Claim
Instructions on how to file a claim can be found on your Employee Benefits Portal under Disability. To File a Claim, Call this Number: (866) 278-2655.
Disability (for $200 in benefit)
Disability Insurance The Hartford
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.
Hospital Indemnity
ABOUT HOSPITAL INDEMNITY
This is an affordable supplemental plan that pays you should you be inpatient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance.
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
COVERAGE INFORMATION
You have a choice of three hospital indemnity plans, which allows you the flexibility to enroll for the coverage that best meets your current financial protection needs. Benefit amounts are based on the plan in effect for you or an insured dependent at the time the covered event occurs. Unless otherwise noted, the benefit amounts payable under each plan are the same for you and your dependent (s).
How to File a Claim:
You can file your claim in different ways depending on what's most convenient to you:
1. ONLINE
• Visit the Supplemental Insurance Claims Portal at TheHartford.com/benefits/myclaim.
• Register for access if you have not done so already. (Please note: We must have current eligibility from your benefits administrator for you and any dependents to be eligible to register on the portal.)
• Log in to the portal.
• Click on "Complete Your Claim Form Online" under the Quick Links section.
• Follow the prompts to complete and submit a claim.
2. FILE A CLAIM OVER THE PHONE (Applicable to Health Screening Benefit/Accident Protection Benefit Only)
• File your claim by calling (866) 547-4205.
• Available Monday through Friday, 8a.m.-6p.m. EST.
3. SUBMIT A CLAIM VIA MAIL OR FAX
• Download a claim form at TheHartford.com/benefits/ myclaim.
• Complete the form and mail or fax it to: The Hartford Supplemental Insurance Benefit Department P.O. Box 99906 Grapevine, TX 76099 Fax Number: (469) 417-1952 For assistance filing your claim, call (866) 547-4205.
Cancer Insurance Chubb
ABOUT CANCER
Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with cancer. It pays a benefit directly to you to help with expenses associated with cancer treatment. For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non-medical expenses, such as out-of-town treatments, special diets, daily living, and household upkeep. In addition to these non-medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance helps pay for these direct and indirect treatment costs so you can focus on your health.
Benefits Summary
max days per confinement: 31 $300 per day - Days 1 through 30; additional days:
max days per confinement: 31 Hospital Intensive Care Confinement $600 per day - Days 1 through 30; additional days: $600; max days per confinement: 31 $600 per day - Days 1 through 30; additional days: $600; max days per confinement: 31 Wellness Benefit $50 per covered person, per calendar year; Followup test benefit amount: $100
$50 per calendar month; max
per covered person, per calendar year; Followup test benefit amount: $100
Anesthesia: 25% of Surgery Benefit Hormone Therapy
per day not to exceed the number of days confined; max days per calendar year: 30
Cancer Insurance Chubb
Reconstructive Surgery
Bone Marrow Transplant
Stem Cell Transplant
Drugs and Medicines - Inpatient
Drugs and Medicines - Outpatient
Blood and Plasma
Ambulance - Ground
Ambulance - Air
Medical Equipment
Prosthesis
Hair Prosthesis
Experimental Treatment
Plan Provisions
Pre-Existing Condition Limitation
Breast TRAM flap: $2,000; Breast Reconstruction: $500; Breast Symmetry: $500; Facial Reconstruction: $500
First bone marrow transplant: $6,000 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
First stem cell transplant: $600 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
$150 per day of confinement; maximum confinements per calendar year: 6
Hormone Therapy Benefit: $50 per calendar month; max months per calendar year: 12
$300 per transfusion; maximum transfusions per calendar year: 2
$200 per trip, max trips per confinement: 2
$2,000 per trip, max trips per confinement: 2
$150 per piece of equipment, max pieces per calendar year: 2
Surgical: $1,000 per device; lifetime max benefit
$1,000; Non-Surgical Prosthesis Benefit: $100; lifetime maximum number of devices: 1
$150 per hair piece, lifetime max: 1
Alternative Care Benefit: $75 per visit; max visits per calendar year: 4
12/12 Limitation
Continuity of Coverage Offered
(Describe Requirements)
Policy Exclusions
Breast TRAM flap: $2,000; Breast Reconstruction: $500; Breast Symmetry: $500; Facial Reconstruction: $500
First bone marrow transplant: $9,000 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
First stem cell transplant: $900 / Additional transplant: 50% / Lifetime Maximum Transplant(s): 2
$150 per day of confinement; maximum confinements per calendar year: 6
Hormone Therapy Benefit: $50 per calendar month; max months per calendar year: 12
$300 per transfusion; maximum transfusions per calendar year: 2
$200 per trip, max trips per confinement: 2
$2,000 per trip, max trips per confinement: 2
$150 per piece of equipment, max pieces per calendar year: 2
Surgical: $2,000 per device; lifetime max benefit
$2,000; Non-Surgical Prosthesis Benefit: $200; lifetime maximum number of devices: 1
$150 per hair piece, lifetime max: 1
Alternative Care Benefit: $75 per visit; max visits per calendar year: 4
If the Certificate replaced another Cancer Indemnity certificate or individual policy, Your coverage under the Certificate shall not limit or exclude coverage for a Pre-existing Condition or Waiting Period that would have been covered under the policy being replaced. Benefits payable for a Pre-existing Condition or during the Waiting Period will be the higher of the benefits that would have been payable under the terms of the prior coverage if it had remained in force; or the benefits payable under the Certificate.Time periods applicable to Pre-existing Conditions and Waiting Periods will be waived to the extent that similar limitations or exclusions were satisfied under the coverage being replaced. Continuity of Coverage is only extended to the benefits provided under the Certificate. The Certificate may not include all the benefits provided under the prior coverage.
No benefits will be paid for a date of diagnosis or treatment of cancer prior to the coverage effective date, except where continuity of coverage applies. No benefits will be paid for services rendered by a member of the Immediate Family of a Covered Person.
We will not pay benefits for other conditions or diseases, except losses due directly from Cancer or Skin Cancer. We will not pay Benefits for Cancer or Skin Cancer if the diagnosis or treatment of Cancer is received outside of the territorial limits of the United States and its possessions. Benefits will be payable if the Covered Person returns to the territorial limits of the United States and its possessions, and a Physician confirms the diagnosis or receives treatment.
Waiver of Premium
Accident Insurance
The Hartford
ABOUT ACCIDENT
Do you have kids playing sports, are you a weekend warrior, or maybe you’re 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/alamoheightsisd
Accident insurance provides affordable protection against a sudden, unforeseen accident. This benefit helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details. Benefits
Summary
Accident Insurance
The Hartford
Critical Illness Insurance
ABOUT CRITICAL ILLNESS
Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
once per insured per year
Occupational Package - Pays 100% of the face amount; Benefits payable for HIV or Hepatitis B, C, or D, MRSA, Rabies, Tetanus, or Tuberculosis contracted on the job.
Childhood Conditions - Pays 100% of the dependent child face amount; Provides benefits for childhood conditions (Autism Spectrum Disorder; Cerebral Palsy; Congenital Birth Defects; Heart, Lung, Cleft Lip, Palate, etc; Cystic Fibrosis; Down Syndrome; Gaucher Disease; Muscular Dystrophy; Type 1 Diabetes).
Benefits are payable for a subsequent diagnosis of Benign Brain Tumor, Cancer, Coma, Coronary Artery Obstruction, Heart Attack, Major Organ Failure, Severe Burns, Stroke, or Sudden Cardiac Arrest.
Critical Illness Insurance
ADDITIONAL BENEFITS
Miscellaneous Disease Rider + COVID-19
The Miscellaneous Disease Rider is payable once per covered condition.
Covered Conditions include: Addison’s Disease, Cerebrospinal Meningitis, Diphtheria, Huntington’s Chorea, Legionnaire’s Disease, Malaria, Myasthenia Gravis, Meningitis, Necrotizing Fasciitis, Osteomyelitis, Polio, Rabies, Scleroderma, Systemic Lupus, Tetanus, Tuberculosis.
COVID-19 means a disease resulting in a positive COVID-19 diagnostic screening and 5 consecutive days of hospital confinement
Waiver of Premium - Waives premium while the Insured is totally disabled. Included Wellness Benefit - Payable once per insured per year
$50
No benefit will be paid for a date of diagnosis that occurs prior to the coverage effective date. Covered individuals must be treatment free from cancer for 12 months prior to diagnosis date and in complete remission. There is no pre-existing condition limitation. All amounts are Guaranteed Issue - no medical questions are required for coverage to be issued.
View your benefit website at www.mybenefitshub.com/alamoheightsisd for full details and rates.
Life and AD&D
The Hartford
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/alamoheightsisd
the lesser of 5x earnings or $500,000
Increments of $5,000.
Covered accidents or death can occur up to 365 days after the accident. The
not exceed 100% of your coverage amount.
2Your benefit will be reduced by 35% at age 65 and 50% at age 70. Reductions will be applied to the original amount.
Life and AD&D
The Hartford
AM I GUARANTEED COVERAGE?
If you enroll during your annual enrollment period or are newly eligible and elect an amount that exceeds the guaranteed issue amount of $200,000, you will need to provide evidence of insurability that is satisfactory to The Hartford before the excess can become effective. If you enroll after your annual or initial enrollment period, evidence of insurability will be required for all coverage amounts.
If you enroll during your annual enrollment period or are newly eligible and elect an amount that exceeds the guaranteed issue amount of $30,000, your spouse will need to provide evidence of insurability that is satisfactory to The Hartford before the excess can become effective. If you enroll after your annual or initial enrollment period, evidence of insurability will be required for all coverage amounts.
This insurance is guaranteed issue coverage – it is available without having to provide information about your child(ren)’s health. AD&D is available without having to provide information about your or your family’s health.
GROUP LIFE INSURANCE
General Limitations and Exclusions
• Your supplemental/voluntary life benefit will be reduced by 35% at age 65 and 50% at age 70. Reductions will be applied to the original amount.
• A supplemental or voluntary life benefit will not be paid if death occurs by suicide within two years (or as allowed by state law) of purchasing this coverage.
• ou and your dependent(s) must be citizens or legal residents of the United States, its territories and protectorates.
Dependent Limitations and Exclusions
• Coverage may only be elected for dependents when you elect and are approved for coverage for yourself.
• Coverage may not be elected for a dependent who has employee coverage under this certificate.
• Coverage may not be elected for a dependent who is in active full-time military service.
• Child(ren) may only be covered as a dependent of one employee.
• Infants may receive a reduced benefit prior to the age of six months.
5962a NS 05/21 Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
GROUP ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
General Limitations and Exclusions
• Your supplemental/voluntary AD&D benefit will be reduced by 35% at age 65 and 50% at age 70. Reductions will be applied to the original amount.
• Exclusions: (Applicable to all benefits except the Life Insurance Benefit and the Accelerated Benefit) What is not covered under The Policy?
• The Policy does not cover any loss caused or contributed to by:
Permanent Life Insurance Texas Life Insurance Company
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.mybenefitshub.com/alamoheightsisd
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
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.
Emergency Medical Transport
ABOUT MEDICAL TRANSPORT
Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the out-of-pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance and helicopter, depending on the plan.
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
Stay prepared with MASA® AccessSM
Comprehensive coverage and care for emergency transport.
Our Emergent Plus membership plan includes:
Emergency Ground Ambulance Coverage
Your out-of-pocket expenses for your emergency ground transportation to a medical facility are covered with MASA.
Emergency Air Ambulance Coverage
Your out-of-pocket expenses for your emergency air transportation to a medical facility are covered with MASA.
Hospital to Hospital Ambulance Coverage
When specialized care is required but not available at the initial emergency facility, your out-of-pocket expenses for the ground or air ambulance transfer to the nearest appropriate medical facility are covered with MASA.
Repatriation Near Home Coverage
Should you need continued care and your care provider has approved moving you to a hospital nearer to your home, MASA coordinates and covers the expense for ambulance transportation to the approved medical facility.
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.
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
Flexible Spending Accounts
A Flexible Spending Account (FSA) allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses.
Health Care FSA
The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. Eligible expenses include:
• Dental and vision expenses
• Medical deductibles and coinsurance
• Prescription copays
• Hearing aids and batteries
You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).
Limited Purpose Health Care FSA
A Limited Purpose Health Care FSA is available if you are enrolled in the HDHP medical plan and contribute to an HSA. You can use a Limited Purpose Health Care FSA to pay for eligible out-of-pocket dental and vision expenses only, such as:
• Dental and orthodontia care (i.e., fillings, X-rays and braces)
• Vision care (e.g., eyeglasses, contact lenses, and LASIK surgery)
How the Health Care and Limited Purpose FSAs Work
You can access the funds in your Health Care two different ways:
• Use your FSA debit card to pay for qualified expenses, doctor visits, and prescription copays.
• Pay out-of-pocket and submit your receipts for reimbursement:
• Fax – 866-419-3516
• Email – flexclaims@higginbotham.net
• Online – flexservices.higginbotham.net
• Phone – (866) 419-3519
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 daycare or babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you (and your spouse, if married) must be gainfully employed, looking for work, a full-time student, or incapable of self-care.
Dependent Care FSA Considerations
• 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 selfcare.
• The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.
2025 Annual Maximum FSA Contributions
$5,000 if filing jointly or head of household and $2,500 if married filing separately.
No carryover — use it or lose it
ABOUT EAP
An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you.
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
Why I Need Employee Assistance
Balancing work and life is difficult sometimes. Your EAP option covers trouble areas such as:
• Substance abuse
• Stress management
• Financial problems
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
Urgent Care Next Level Prime
For full plan details, please visit your benefit website: www.mybenefitshub.com/alamoheightsisd
TAKING YOUR HEALTHCARE TO THE NEXT LEVEL
Your employer is partnering with Next Level Medical to offer employees PLUS their spouse and dependents access to a NEW healthcare benefit with a Next Level PRIME membership.
WHAT IS NEXT LEVEL PRIME?
Next Level PRIME offers all of these amazing benefits:
• Access to 20+ Next Level clinic locations
• Direct primary, preventive & chronic care 7 days a week from 9 a.m. – 9 p.m.
• Urgent care 7 days a week from 9 a.m. – 9 p.m.
• Telemedicine/Virtual visits 24 hour 7 days a week
• Nurse Care Navigators to assist with all healthcare concerns/questions
• Health & Wellness Coaching
• NO CO-PAYS AT THE TIME OF SERVICE!
• NO ADDITIONAL OUT OF POCKET EXPENSES!
• Unlimited access to medical care
2025 - 2026 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 Alamo Heights 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 Alamo Heights 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.
