09/01/2025 - 08/31/2026
Benefit Contact Information
Higginbotham Public Sector (833) 838-4823 www.mybenefitshub.com/cedarhillisd cedarhillisd@hps.higginbotham.net
Benefits Department (972) 291-1581 benefits@chisd.net
Clever RX (800) 873-1195 cleverrx.com/cedarhillisd EECU (817) 882-0800 www.eecu.org
Chubb Group # 100000125 (888) 499-0425 www.chubb.com
Cigna Group #3331960 (800) 244-6224 www.mycigna.com
Recuro Health (855) 673-2876 www.recurohealth.com
Superior Vision Group #29283 (800) 507-3800 www.superiorvision.com
Blue Cross Blue Shield (800) 521-2227 www.bcbstx.com
Cigna Group #HC110511 (800) 754-3207
www.mycigna.com
The Hartford Group #395321 (866) 574-9124 www.thehartford.com
5Star Life Insurance Company (866) 863-9753 www.5starlifeinsurance.com CANCER
Chubb Group #100000125 (888) 499-0425 www.chubb.com
MASA
Group #MKCHISD (800) 423-3226
claims@masaglobal.com
Unum Group #473105 (800) 445-0402 www.unum.com
Experian (888) 737-3742 www.experian.com
National Benefit Services (855) 399-3035 www.nbsbenefits.com
Employee benefits made easy through HiggOnTheGo! Text “BENEFITS” to (214) 831-4220 to receive the app download link and opt into important text message* enrollment reminders. Scan the QR code to only download HiggOnTheGo: • Benefit Resources • Online Enrollment • Interactive Tools • And more! *Standard message rates may apply.
1 www.mybenefitshub.com/cedarhillisd
2
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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. CLICK LOGIN
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
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) 838-4823 for assistance.
Where can I find forms? For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/cedarhillisd.
How can I find a Network Provider? For benefit summaries and claim forms, go to the Cedar Hill ISD benefit website: www.mybenefitshub.com/ cedarhillisd. 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 to verify your coverage if you do not have an ID card at that time. If you do not receive your ID card, you can call the carrier’s customer service number to request another card. If the insurance carrier provides ID cards, but there are no changes to the plan, you typically will not receive a new ID card each year.
What is Guaranteed Coverage? The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or preexisting condition exclusion provisions do apply, as applicable by carrier.
What is a Pre-Existing 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).
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 including 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 status, 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
Medical and 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 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.
Actively-at-Work
You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business, or at some location to which the employer’s business requires you to travel If you will not be actively at work beginning 9/1/2025 please notify your benefits administrator.
Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.
Medical To age 26
Hospital
Indemnity To age 26
Vision To age 26
Dental To age 26
Accident To age 26
Life To age 26
Cancer To age 25
Critical Illness To age 26
AD&D To age 26
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.
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.
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
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?
High deductible health plan
$1,650 single (2025)
None
$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
Yes, will roll over to use for subsequent year’s health coverage.
Yes
Yes, portable year-to-year and between jobs.
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
No
Medical Insurance Blue Cross Blue Shield
ABOUT MEDICAL
Major medical insurance is a type of health care coverage that provides benefits for a broad range of medical expenses that may be incurred either on an inpatient or outpatient basis.
For full plan details, please visit your benefit website: www.mybenefitshub.com/cedarhillisd
Medical Coverage
Preferred Provider Organization (PPO)
A PPO allows you the freedom to see any provider when you need care. When you use in-network providers, you receive benefits at a discounted network cost. You may pay more for services if you use out-of-network providers. In-network office visits, urgent care, and prescription drugs are covered with a copay. Most other in-network services are covered at the coinsurance level.
High Deductible Health Plan (HDHP)
An HDHP allows you the freedom to see any provider when you need care, but you will pay less if you use innetwork providers. In exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. The plan pays 100% for health care and prescription drug expenses once you meet your deductible. If you enroll in the HDHP, you may be eligible to open a Health Savings Account.
Health Maintenance Organization (HMO)
With an HMO, you must seek care from in-network providers in the HMO network. The selection of a primary care physician is required and you do need a referral to see a specialist. It is best to confirm that your doctor and all specialists are in-network before seeking care.
Find an In-Network Provider
Visit: www.bcbstx.com
Call: (800) 521 2227
Medical Benefits Summary
Prescription Savings
Clever RX
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: cleverrx.com/cedarhillisd
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 FDA-approved medications, and usage at most pharmacies nationwide including CVS, Walgreens, Walmart, and Kroger. Additionally, Clever RX facilitates easy sharing of savings with friends and family directly through the app.
STEP 1
Download the free Clever RX app and enter these numbers during the onboarding process:
• Group ID 1085
• Member ID 1610
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
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/cedarhillisd
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.
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 Nursery Care Admission
Limited to 1 day, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.
Newborn Nursery Care Stay*
Limited to 30 days, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.
How do I submit a claim?
Complete the claim form with the link provided below: https://www.cigna.com/static/www-cigna-com/docs/individuals-families/member-resources/hospital-care-claim-form.pdf
Options for filing the Claim Form:
• Call (800) 754-3207 to speak with one of our dedicated customer service representatives.
• Email your scanned documents to: SuppHealthClaims@Cigna.com
Hospital Indemnity Cigna
Portability Feature:* You, your spouse, and child(ren) can continue 100% of your coverage at the time your coverage ends. You must be covered under the policy and be under the age of 100 in order to continue your coverage. Rates may change and all coverage ends at age 100. Applies to United States Citizens and Permanent Resident Aliens residing in the United States.
NOTE: The following are some of the important policy provisions, terms and conditions that apply to benefits described in the policy. This is not a complete list. See your Certificate of Insurance for more information.
Benefit-Specific Conditions, Exclusions, & Limitations (Hospital
Care):
Hospital Admission: Must be admitted as an Inpatient due to a Covered Injury or Covered Illness. Excludes: treatment in an emergency room, provided on an outpatient basis, or for re-admission for the same Covered Injury or Covered Illness (including chronic conditions).
Hospital Chronic Condition Admission: Must be admitted as an Inpatient due to a covered chronic condition and treatment for a covered chronic condition must be provided by a specialist in that field of medicine. Excludes: treatment in an emergency room, provided on an outpatient basis, or for re-admission for the same Covered Injury or Covered Illness (including chronic conditions).
Hospital Stay: Must be admitted as an Inpatient and confined to the Hospital, due to a Covered Injury or Covered Illness, at the direction and under the care of a physician. If also eligible for the ICU Stay Benefit, only 1 benefit will be paid for the same Covered Injury or Covered Illness, whichever is greater. Hospital stays within 90 days for the same, or a related Covered Injury or Covered Illness is considered one Hospital Stay.
Intensive Care Unit (ICU) Stay: Must be admitted as an Inpatient and confined in an ICU of a Hospital, due to a Covered Injury or Covered Illness, at the direction and under the care of a physician. If also eligible for the Hospital Stay Benefit, only 1 benefit will be paid for the same Covered Injury or Covered Illness, whichever is greater. ICU stays within 90 days for the same or a related Covered Injury or Covered Illness is considered one ICU stay.
Hospital Observation Stay: Must be receiving treatment for a Covered Injury or Covered Illness in a Hospital, including an observation room, or ambulatory surgical center, for more than 24 hours on a non-inpatient basis and a charge must be incurred. This benefit is not payable if a benefit is payable under the Hospital Stay Benefit or Hospital Intensive Care Unit Stay Benefit.
Newborn Nursery Care Admission and Newborn Nursery Care Stay: Must be admitted as an Inpatient and confined in a hospital immediately following birth at the direction and under the care of a physician.
Monthly Premium
This Employer paid benefit is available to all full-time eligible employees.
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/cedarhillisd
A Health Savings Account (HSA) is more than a way to help you and your family cover health care costs – it is also a tax-exempt tool to supplement your retirement savings and cover health expenses during retirement. An HSA can provide the funds to help pay current health care expenses as well as future health care costs.
A type of personal savings account, an HSA is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for qualified medical expenses. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP (High Deductible Health Plan)
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account, nor should your spouse be contributing towards a Health Care Flexible Spending Account
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not enrolled in Medicare or TRICARE
• Not receiving Veterans Administration benefits
You can use the money in your HSA to pay for qualified medical expenses now or in the future. You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered under your HDHP.
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The annual contribution maximum for 2025 is based on the coverage option you elect:
• Individual – $4,300
• Family (filing jointly) – $8,550
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
Opening an HSA
If you meet the eligibility requirements, you may open an HSA administered by EECU. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.
Important HSA Information
• Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deduction and company contributions.
How To Use Your HSA
• Online/Mobile: Sign-in for 24/7 account access to check your balance, pay bills, and more.
• Call/Text: (817) 882-0800, EECU’s dedicated member service representatives are available to assist you with any questions. Their hours of operation are Monday through Friday from 8:00 a.m. to 7:00 p.m. CT, Saturday 9:00 a.m. to 1:00 p.m. CT, and closed on Sunday.
• Lost/Stolen Debit Card: Call the 24/7 debit card hotline at (800) 333-9934.
• Stop by a local EECU financial center: www.eecu.org/ locations
Life and AD&D Chubb
ABOUT LIFE AND AD&D
Basic term life is one of the most important benefits your employer can offer. Cedar Hill ISD is providing this coverage at no cost to you.
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/cedarhillisd
Benefit Summary
Employer Term Life and AD&D Insurance is provided by your employer. Employees must be actively at work for at least 20 hours per week. There is no premium paid by you for this life insurance.
For You Guaranteed Issue Reduction Schedule
$25,000 All coverage amounts 50% at age 70
Additional Plan Benefits
Accelerated Death Benefit for Terminal Illness: 75% of Death Benefit
AD&D Covered Losses and Benefits:
The AD&D plan provides additional protection for you and your dependents in the event of an accidental bodily injury resulting in death or dismemberment. In addition to standard dismemberment coverage, the following benefit provisions are included:
• Child Care Expense Benefit – 10% of employee’s AD&D Benefit up to $4,000 per child per year, not to exceed $20,000 for 5 years
• Child Education Expense Benefit – 10% of AD&D Benefit up to $4,000 per child per year, not to exceed $20,000, for 5 years
• Exposure and Disappearance Benefit
• Repatriation Expense Benefit – Up to $5,000
• Seatbelt Benefit – 10% of AD&D Benefit up to $25,000
• Air Bag Benefit – 10% of AD&D Benefit up to $5,000
Definitions and Provisions
Portability: You can elect portable coverage, at group rates, if you terminate employment, reduce hours, or retire from the employer.
Conversion: When your group coverage ends, you may convert your coverage to an individual life policy without providing evidence of insurability.
AD&D Exclusions*
No benefits will be paid for any loss caused or contributed to by: 1) attempted suicide; 2) intentionally self-inflicted harm; 3) travel if Insured as other than passenger; 4) war; 5) active participation in a riot, insurrection, or terrorist activity; 6) committing or attempting to commit a felony; 7) voluntary intake or use by any means of any drug, unless taken in accordance with instructions; 8) any poison, gas or fumes, unless a direct result of an occupational accident; 9) being intoxicated; 10) bungee jumping; 11) participation in an illegal occupation/activity; 12) rock or mountain climbing; and 13) aeronautics.
Telehealth + Behavioral Health 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/cedarhillisd
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 convenient 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 telehealth 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 Insurance Cigna
ABOUT DENTAL
Dental insurance is a coverage that helps defray the costs of dental care. It ensures against the expense of routine care, dental treatment, and disease.
For full plan details, please visit your benefit website: www.mybenefitshub.com/cedarhillisd
How to Find a Dentist Visit https://hcpdirectory.cigna.com/ or call (800) 244-6224 to find an innetwork dentist. Your network will be Total Cigna DPPO.
How to Request a New ID Card
You can request your dental id card by contacting Cigna directly at (800) 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.
care service during one plan year, the annual dollar maximum will increase in the
until it reaches the highest level specified below. Please refer to your plan materials for additional information on this plan feature.
Policy Year Benefits Maximum Applies to: Class I, II & III expenses
Class I: Diagnostic & Preventive
Oral Evaluations
Prophylaxis: routine cleanings
X-rays: bitewing
Fluoride Application
Sealants: per tooth
Space Maintainers: non-orthodontic
Emergency Care to Relieve Pain
X-Rays: full mouth/panoramic/periapical
Class II: Basic Restorative
Restorative: fillings
Oral Surgery: simple extractions
Repairs: bridges, crowns and inlays, dentures
Denture Relines, Rebases and Adjustments
Anesthesia: general and IV sedation
Class III: Major Restorative
Periodontal Maintenance
Endodontics: root canal therapy
Periodontics: scaling and root planing
Periodontics: osseous surgery
Oral Surgery: oral surgical procedures
Oral Surgery: extractions of impacted teeth
Inlays and Onlays
Stainless Steel and Resin Crowns
Crowns, Bridges and Dentures Prosthesis Over Implant
Class IV: Orthodontia Coverage for Dependent Children to age 19
Maximum: $1,000
Dental Insurance Cigna
WellnessPlusSM Progressive Maximum Benefit: When you or your family members receive any preventive care service during one plan year, the annual dollar maximum will increase in the following plan year; until it reaches the highest level specified below. Please refer to your plan materials for additional information on this plan feature.
Policy Year Benefits Maximum
Applies to: Class I, II & III expenses
Policy Year Deductible
Class I: Diagnostic & Preventive Oral Evaluations
Prophylaxis: routine cleanings
X-rays: bitewing
Fluoride Application
Sealants: per tooth
Space Maintainers: non-orthodontic
Emergency Care to Relieve Pain X-rays: full mouth/panoramic/periapical
Class II: Basic Restorative Restorative: fillings
Oral Surgery: simple extractions
Repairs: bridges, crowns and inlays, dentures
Denture Relines, Rebases and Adjustments
Anesthesia: general and IV sedation
Class III: Major Restorative Periodontal Maintenance
Endodontics: root canal therapy
Periodontics: scaling and root planing
Periodontics: osseous surgery
Oral Surgery: oral surgical procedures
Oral Surgery: extractions of impacted teeth
Inlays and Onlays
Stainless Steel and Resin Crowns
Crowns, Bridges and Dentures Prosthesis Over Implant
Class IV: Orthodontia
Coverage for Dependent Children to age 19 Lifetime
$1,000
Vision Insurance Superior Vision
ABOUT VISION
Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses, or contact lenses. For full plan details, please visit your benefit website: www.mybenefitshub.com/cedarhillisd
How to Print your Vision ID Card:
You can request your vision ID card by contacting Superior Vision directly at (800) 507-3800. You can also go to www.superiorvision.com and register/login to access your account by clicking on “Members” at the top of the page. You can also download the Superior Vision mobile app on your smart phone.
3.
4.
Vision Insurance Superior Vision
Discount Features
Look for providers in the provider directory who accept discounts, as some do not; please verify their services and discounts (range from 10%-30%) prior to service as they vary.
Maximum member out-of-pocket
The following options have out-of-pocket maximums5 on standard (not premium, brand, or progressive) lenses.
5. Discounts and maximums may vary by lens type. Please check with your provider.
Refractive Surgery
Superior Vision has a nationwide network of independent refractive surgeons and partnerships with leading LASIK networks who offer members a discount. These discounts range from 10%-50%, and are the best possible discounts available to Superior Vision.
Disability Insurance The Hartford
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/cedarhillisd
What is Educator Disability Insurance?
Educator Disability insurance is a hybrid that combines features of short-term and long-term disability into one plan. Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. The plan gives you flexibility to be able to choose an amount of coverage and waiting period that suits your needs. We offer Educator Disability insurance for you to purchase through The Hartford.
If you need to file a claim, please contact the vendor at (866) 278-2655 and provide Group #395321
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.
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 you are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.
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. Once 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 preexisting 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 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
Continuity of Coverage: If you were insured under your district’s prior plan and not receiving benefits the day before this policy is effective, there will not be a loss in coverage and you will get credit for your prior carrier’s coverage.
Disability Insurance
The Hartford
Maximum Benefit Duration: Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the age at which disability occurs, the maximum duration may vary. Please see the applicable schedule below based on the Premium benefit option. Premium Option: For the Premium benefit option – the table below applies to disabilities resulting from sickness or injury.
Age Disabled Benefits Payable
Prior to Age 63
Age 63
To Normal Retirement Age or 48 months if greater
To Normal Retirement Age or 42 months if greater
Age 64 36 months
Age 65 30 months
Age 66 27 months
Age 67 24 months
Age 68 21 months
Age 69 and older 18 months
Benefit Integration after 12 months of eligible disability: Your benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as:
• Social Security Disability Insurance
• State Teacher Retirement Disability Plans
• Workers’ Compensation
• Other employer-based disability insurance coverage you may have
• Unemployment benefits
• Retirement benefits that your employer fully or partially pays for (such as a pension plan)
Your plan includes a minimum benefit of 10% of your elected benefit.
How to file a claim: Claims are now processed telephonically by calling (866) 547-9124 7:00 a.m. to 7:00 p.m. CT. Just refer to policy number 395321 and follow these easy steps:
1. If your absence is scheduled, call 30 days prior, and if unscheduled, please call as soon as possible.
2. Have your information ready
• Name, address, and other key information
• Name of department and last full day of active work
• The nature of your claim or leave request
• Your treating physicians’ name, address, and fax numbers
• With your information handy, you will be assisted by a member who will take your information, answer your questions, and file your claim.
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/cedarhillisd
Cancer Insurance Benefits Low Plan
First cancer benefit
Diagnosis of cancer
Hospital confinement
Hospital confinement ICU
Radiation therapy, chemotherapy, immunotherapy
Alternative care
Medical imaging
Skin cancer initial diagnosis
Attending physician
Hospital confinement sub-acute ICU
Family care
Prescription drug in-patient
Private full-time nursing services
U.S. government or charity hospital
Family member transportation and lodging
Home health care
Hospice care
Skilled nursing care facility
Air ambulance
Ambulance
Blood, plasma, and platelets
Bone marrow or stem cell donation
$100 paid upon receipt of first covered claim for cancer; only one payment per covered person per certificate per calendar year
$5,000 employee or spouse $7,500 child(ren) Waiting period: 0 days Benefit reduction: none
$100 per day – days 1 through 30 Additional days:
$100. Maximum days per confinement: 31
$600 per day – days 1 through 30 Additional days: $600. Maximum days per confinement: 31
Maximum per covered person per calendar year
12-month period: $10,000
$75 per visit. Maximum visits per calendar year: 4
$150 per imaging study. Maximum studies per calendar year: 2
$100 per diagnosis Lifetime maximum: 1
$30 per visit. Maximum visits per confinement: 2 Maximum visits per calendar year: 4
$300 per day – days 1 through 30 Additional days:
$300. Maximum days per confinement: 31
Childcare: $100 per day per child Maximum days per calendar year: 30 Adult day care or home healthcare:
$100 per day. Maximum days per calendar year: 30
Per confinement: $150. Maximum confinements per calendar year: 6
$150 per day. Maximum days per confinement: 5
Days 1 through 30: $100 Additional days: $100 Maximum days per confinement: 15
Family transportation: $100 per trip Maximum trips per calendar year: 12 Family lodging: $100 per day
Maximum days per calendar year: 100
Family transportation: $100 per trip Maximum trips per calendar year: 12 Family lodging: $100 per day
Maximum days per calendar year: 100
$100 per day not to exceed the number of days confined. Maximum days per calendar year: 30
$100 per day
$100 per day. Maximum days per calendar year: 30
Plan
$100 paid upon receipt of first covered claim for cancer; only one payment per covered person per certificate per calendar year
$10,000 employee or spouse $15,000 child(ren) Waiting period: 0 days Benefit reduction: none
$200 per day – days 1 through 30 Additional days: $200. Maximum days per confinement: 31
$600 per day – days 1 through 30 Additional days: $600. Maximum days per confinement: 31
Maximum per covered person per calendar year 12-month period: $20,000
$75 per visit. Maximum visits per calendar year: 4
$150 per imaging study. Maximum studies per calendar year: 2
$100 per diagnosis Lifetime maximum: 1
$50 per visit. Maximum visits per confinement: 2 Maximum visits per calendar year: 4
$300 per day – days 1 through 30 Additional days: $300. Maximum days per confinement: 31
Childcare: $100 per day per child Maximum days per calendar year: 30 Adult day care or home healthcare:
$100 per day Maximum days per calendar year: 30
Per confinement: $150. Maximum confinements per calendar year: 6
$150 per day. Maximum days per confinement: 5
Days 1 through 30: $300 Additional days: $300 Maximum days per confinement: 15
Family transportation: $100 per trip Maximum trips per calendar year: 12 Family lodging: $200 per day
Maximum days per calendar year: 100
Family transportation: $100 per trip Maximum trips per calendar year: 12 Family lodging: $200 per day
Maximum days per calendar year: 100
$300 per day not to exceed the number of days confined. Maximum days per calendar year: 30
$300 per day
$300 per day. Maximum days per calendar year: 30
$2,000 per trip. Maximum trips per confinement: 2 $2,000 per trip. Maximum trips per confinement: 2
$200 per trip. Maximum trips per confinement: 2
$300 per transfusion. Maximum transfusions per calendar year: 2
$200 per trip. Maximum trips per confinement: 2
$300 per transfusion. Maximum transfusions per calendar year: 2
Cancer Insurance Chubb
Cancer
Hormonal therapy
National Cancer Institute Designated Comprehensive Cancer Treatment Center Evaluation/Consultation Benefit
Counseling
Hair piece
Medical equipment
Non-surgical prosthesis
Recovery at home
Therapy
Transportation and lodging
Cancer wellness
Genetic tumor testing
Heritable cancer screening
Pharmacogenomic (PGX) screening test
Heart attack or stroke
Waiting period
$100 per confinement. Lifetime maximum donations: 2
$50 per treatment. Maximum treatments per calendar year: 12
$150. Lifetime maximum consultation(s): 1
$300 per confinement. Lifetime maximum donations: 2
$50 per treatment. Maximum treatments per calendar year: 12
$150. Lifetime maximum consultation(s): 1
$75 per visit. Maximum visits per calendar year: 6 $75 per visit. Maximum visits per calendar year: 6
$150 per piece of equipment Maximum pieces per calendar year: 2
$100. Lifetime maximum number of devices: 1
$150 per day not to exceed the number of days confined. Maximum days per calendar year: 15
$25 per day of therapy. Maximum days per calendar year: 40
Transportation: $100 per trip Maximum trips per calendar year: 12 Lodging: $100 per day
Maximum days per calendar year: 100
$50. Maximum days of service, per covered person per calendar year: 1 day(s). Waiting period: 0 days
$150 per piece of equipment Maximum pieces per calendar year: 2
$200. Lifetime maximum number of devices: 1
$150 per day not to exceed the number of days confined. Maximum days per calendar year: 15
$25 per day of therapy. Maximum days per calendar year: 40
Transportation: $100 per trip Maximum trips per calendar year: 12 Lodging: $200 per day
Maximum days per calendar year: 100
$50. Maximum days of service, per covered person per calendar year: 1 day(s). Waiting period: 0 days
$100 per test. Maximum tests per calendar year: 2 $100 per test. Maximum tests per calendar year: 2
$100. Maximum tests per calendar year: 1
$100. Maximum tests per calendar year: 1
$100 per test. Maximum tests per calendar year: 2 $100 per test. Maximum tests per calendar year: 2
$10,000. Recurrence benefit: $5,000 Waiting period: 0 days Benefit reduction: none
Waiting period: 0 days
$10,000. Recurrence benefit: $5,000 Waiting period: 0 days Benefit reduction: none
Waiting period: 0 days
Surgery Up to $3,000 Up to $5,000
Anesthesia
Outpatient surgery facility service
Preventive surgery
Reconstructive surgery
Second and third opinion
General anesthesia: 25% of surgery benefit Maximum benefits per calendar year: 2
General anesthesia: 25% of surgery benefit Maximum benefits per calendar year: 2
$200 per day. Maximum benefits per calendar year: 4 $200 per day. Maximum benefits per calendar year: 4
$250. Lifetime maximum: 1
Breast TRAM flap: $2,000 Breast reconstruction:
$500 Breast symmetry: $500 Facial reconstruction: $500
$100. Maximum benefits per calendar year: 2
$250. Lifetime maximum: 1
Breast TRAM flap: $2,000 Breast reconstruction: $500 Breast symmetry: $500 Facial reconstruction: $500
$100. Maximum benefits per calendar year: 2 Skin cancer surgery
Surgical prosthesis
Hospital intensive care for accident or sickness
Kindly HumanTM Participants can talk for up to six hours total per year for pre-clinical peer-to-peer connections and navigation across real-life issues.
$100. Maximum benefits per calendar year: 2
$1,000 per device. Lifetime maximum benefit amount: $1,000
Hospital confinement ICU for accident or sickness benefit: $100. Maximum number of days per confinement: 30
$100. Maximum benefits per calendar year: 2
$2,000 per device. Lifetime maximum benefit amount: $2,000
Hospital confinement ICU for accident or sickness benefit: $200. Maximum number of days per confinement: 30
Renewable Coverage is automatically renewed as long as the insured is an eligible employee, premiums are paid as due, and the Policy is in force.
condition for which a covered person received medical advice or treatment within the 12 months preceding the certificate effective date.
Critical Illness Insurance Unum
ABOUT CRITICAL ILLNESS
Critical illness insurance can be used towards medical or
It provides a lump sum benefit payable directly to the
upon diagnosis of a
or event, like a heart
or
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/cedarhillisd
Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump sum benefit payment to you upon the diagnosis of any covered critical illness or cancer. It helps cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. This coverage is portable. See the plan document for full details.
Voluntary Life and AD&D Chubb
ABOUT LIFE INSURANCE
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/cedarhillisd
Benefit Summary
Voluntary Term Life and AD&D Insurance is made available for purchase by you and your family. Employees must be actively at work for at least 20 hours per week.
Life Insurance/AD&D
For You
Life/AD&D: Up to 7 times your basic annual earnings to a maximum of $500,000 in $10,000 increments
For Your Spouse
Life: $5,000 to $250,000 in $5,000 increments, not to exceed 50% of employee’s amount
AD&D: 100% of the employee AD&D amount to a max of $300,000
For Your Dependent Children
Life: $10,000
AD&D: 100% of the employee AD&D amount to a max of $30,000
Reduction Schedule
50% at age 70
Guaranteed Issue
Employee: $180,000 Spouse: $50,000
Child: $10,000
You and your eligible dependents may enroll in amounts up to $180,000 for employee and $50,000 for spouse without answering health questions. Amounts over the guaranteed issue will require medical underwriting. If you buy at least $10,000 of coverage during initial enrollment, you may buy up to the guaranteed issue in subsequent re-enrollments without medical underwriting.
Voluntary Life and AD&D
Chubb
Additional Plan Benefits
Accelerated Death Benefit for Chronic: 4% of Death Benefit per month up to 50% of Death Benefit to a maximum of $200,000
Accelerated Death Benefit for Terminal Illness: 75% of Death Benefit
Employee Assistance Program: 6 visits
Travel Assistance Services: Included
Financial Wellness: Included
AD&D Covered Losses and Benefits:
The AD&D plan provides additional protection for you and your dependents in the event of an accidental bodily injury resulting in death or dismemberment. In addition to standard dismemberment coverage, the following benefit provisions are included:
• Child Care Expense Benefit – 10% of employee’s AD&D Benefit up to $4,000 per child per year, not to exceed $20,000 for 5 years
• Child Education Expense Benefit – 10% of AD&D Benefit up to $4,000 per child per year, not to exceed $20,000 for 5 years
• Exposure and Disappearance Benefit
• Repatriation Expense Benefit – Up to $5,000
• Seatbelt Benefit – 10% of AD&D Benefit up to $25,000
• Air Bag Benefit – 10% of AD&D Benefit up to $5,000
Term Life Exclusions*
No benefits will be paid for losses that are caused by, contributed to, or result from: 1) suicide, while sane or insane, occurring within 12 months after a Covered Person’s initial effective date of coverage; and 2) suicide, while sane or insane, occurring within two years after the date any increases in or additional coverage applied for becomes effective for a Covered Person.
AD&D Exclusions*
No benefits will be paid for any loss caused or contributed to by: 1) attempted suicide; 2) intentionally selfinflicted harm; 3) travel if Insured is other than passenger; 4) war; 5) active participation in a riot, insurrection, or terrorist activity; 6) committing or attempting to commit a felony; 7) voluntary intake or use by any means of any drug, unless taken in accordance with instructions; 8) any poison, gas or fumes, unless a direct result of an occupational accident; 9) being intoxicated; 10) bungee jumping; 11) participation in an illegal occupation/ activity; 12) rock or mountain climbing; and 13) aeronautics.
Individual Life Insurance 5Star Life Insurance Company
ABOUT INDIVIDUAL LIFE
Individual life insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire.
For full plan details, please visit your benefit website: www.mybenefitshub.com/cedarhillisd
Help protect your family with the Family Protection Plan Group Level Term Life Insurance to age 121. You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children and grandchildren (14 days to 26 years old). The coverage lasts until age 121 for all insured,* so no matter what the future brings, your family is protected.
Why buy life insurance when you’re young?
Buying life insurance when you’re younger allows you to take advantage of lower premium rates while you’re generally healthy, which allows you to purchase more insurance coverage for the future. This is especially important if you have dependents who rely on your income, or you have debt that would need to be paid off.
Portable
Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.
Why is portability important?
Life moves fast, so having a portable life insurance allows you to keep your coverage if you leave your school district. Keeping the coverage helps you ensure your family is protected even into your retirement years.
Terminal illness acceleration of benefits
Coverage pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).
Protection you can count on
Within one business day of notification, payment of 50% of coverage or $10,000, whichever is less, is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
Convenient
Easy payment through payroll deduction.
Quality of Life Benefit
Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis* for the following:
• Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or
• Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.
How
does
Quality of Life help?
Many individuals who can’t take care of themselves require special accommodations to perform ADLs and would need to make modifications to continue to live at home with physical limitation. The proceeds from the Quality of Life benefit can be used for any purpose, including costs for infacility care, home healthcare professionals, home modifications, and more.
About the coverage
The Family Protection Plan offers a lump-sum cash benefit if you die before age 121. The initial death benefit is guaranteed to be level for at least the first ten policy years. Afterward, the company intends to provide a nonguaranteed death benefit enhancement which will maintain the initial death benefit level until age 121. The company has the right to discontinue this enhancement. The death benefit enhancement cannot be discontinued on a particular insured due to a change in age, health, or employment status.
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/cedarhillisd
A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group health care benefits network. If a member has a high deductible health plan that is compatible with a health savings account, benefits will become available under the MASA membership for expenses incurred for medical care (as defined under Internal Revenue Code (“IRC”) section 213 (d)) once a member satisfies the applicable statutory minimum deductible under IRC section 223(c) for high-deductible health plan coverage that is compatible with a health savings account.
Emergent Air Transportation In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical facilities.
Emergent Ground Transportation In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.
Non-Emergency Inter-Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to nonemergency air or ground transportation between medical facilities.
Repatriation/Recuperation Suppose you or a family member is hospitalized more than 100 miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation.
Should you need assistance with a claim, contact MASA at (800) 643-9023. You can find full benefit details at: www.mybenefitshub.com/cedarhillisd
Identity Theft Experian
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/cedarhillisd
Achieve your Credit & Financial Goals Sooner with Unique Insights
With features like Digital Financial Management, you will have tools to help manage your finances and credit profile in a single experience.
Digital Financial Management
360° View of Financial Accounts - Link your financial accounts to generate unique insights that can help improve your financial health and build good credit habits. Stay on top of your daily spending with recommended budgets powered by AI and machine learning of past transactional behavior.
Exclusive Credit Insights - Combine the power of financial transaction and credit data to unlock 50+ unique insights and recommendations to help achieve financial goals. Insights are displayed in your personalized feed and categories include account activity, spending and budgeting, VantageScore®* improvements, financial updates, and more.
Industry Leading Monitoring & Alerts - Consistent monitoring of your Experian® credit report and VantageScore* can help you better understand your current credit profile and personal finances. Financial Alerts will notify you, via push notifications and emails, when certain financial events are detected.
Features to Assist You With:
• Budgeting & Cashflow
• Tracking Spending
• Investments & Net Worth
Identity Protection for the Whole Family
As identity theft continues to increase, an evolving suite of identity products helps you monitor any potential threats to your identity and alerts you if there are any areas of concern. In addition, you’ll have access to a suite of proactive digital privacy tools to help you keep passwords and other personal information private and secure while surfing the web.
An evolving suite of identity products to help you guard against the rising threat of fraud.
Identity Restoration - Get back on track with support from an expert restoration agent that will walk you through the process of reclaiming what’s rightfully yours.
Dark Web Monitoring - If we detect any threats on the thousands of websites and millions of data points we scan, we’ll alert you so you can keep your family’s personal information safe.
Medical Identity Monitoring - If your insurance information is used to receive medical care or fill prescriptions, we’ll send you an alert to verify the service or act if you suspect identity theft.
Experian CreditLock™ - Block fraudsters from using your information to get new credit and act quickly to help prevent identity theft. Unlock it when you want to apply for credit.
Proactive Digital Privacy features to help keep your family’s personal data secure and reduce the threat of potential fraud.
Secure VPN - Helps to prevent people and companies from seeing and collecting your data.
Password Manager - Safely store and protect your logins and payment information in one place.
Safe Browser - Get alerted of unsafe websites, block ads, and help prevent the tracking of your data.
mynbsbenefits.com
Flexible Spending Accounts National Benefit Services (NBS)
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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 Cedar Hill 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 Cedar Hill 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.
