Benefit Contact Information
Higginbotham Public Sector (833) 856-5135 www.mybenefitshub.com/cityofroma
Curative (855) 428-7284 https://curative.com/for-members
UnitedHealthcare Policy #: 935590 (866) 633-2446
www.uhc.com
National Benefit Services (NBS) (855) 399-3035 www.nbs.com
Lincoln Financial Group Policy #: 10282696 (800) 423-2765
www.lfg.com
Lincoln Financial Group Policy #: 1025075 (800) 423-2765
www.lfg.com
EMPLOYEE ASSISTANCE PROGRAM (EAP)
GuidanceResources (888) 628-4824
GuidanceResources.com
MASA (800) 423-3226
www.masamts.com
Texas Republic Life (572) 330-0099
www.texasrepubliclife.com
Lincoln Financial Group Policy #: 1025074 (800) 423-2765
www.lfg.com
Eyetopia (800) 662-8264 www.eyetopia.org
Lincoln Financial Group Policy #: 1025073 (800) 423-2765
www.lfg.com
Experian (855) 797-0052 www.experian.com
How to Log In
www.mybenefitshub.com/cityofroma
3
Enter the code that you receive and click Verify. You can now complete your benefits enrollment! 2
CLICK LOGIN
(Please have your cell phone ready for enrollment.)
• Enter your Last Name
• Enter your DOB
• Enter the last 4 digits of your SSN.
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.
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 90 days of benefit eligibility employment. Failure to complete elections during this timeframe will result in the forfeiture of coverage.
Q&A
Who do I contact with Questions?
For supplemental benefit questions, you can contact your Benefits/HR department or you can call Higginbotham Public Sector at (833) 856-5135 for assistance.
Where can I find forms?
For benefit summaries and claim forms, go to your benefit website: www.mybenefitshub.com/cityofroma
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 City of Roma benefit website: www.mybenefitshub.com/cityofroma. 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.
Helpful Definitions
Actively-at-Work
You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 6/1/2025 please notify your benefits administrator.
Annual Enrollment
The period during which existing employees are given the opportunity to enroll in or change their current elections.
Annual Deductible
The amount you pay each plan year before the plan begins to pay covered expenses.
Calendar Year
January 1st through December 31st
Co-insurance
After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service.
Guaranteed Coverage
The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or preexisting condition exclusion provisions do apply, as applicable by carrier.
In-Network
Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.
Out-of-Pocket Maximum
The most an eligible or insured person can pay in coinsurance for covered expenses.
Plan Year
June 1st through May 31st
Pre-Existing Conditions
Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken 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).
Description
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, tax-free. This also allows employees to pay for qualifying dependent care tax- free.
Employer Eligibility All employers
Contribution Source Employee and/or employer
Account Owner Employer
Underlying Insurance Requirement None
Minimum Deductible N/A
Maximum Contribution $1,200 (2025)
Permissible Use Of Funds
Reimbursement for qualified medical expenses (as defined in Sec. 213(d) of IRC).
Cash-Outs of Unused Amounts (if no medical expenses) Not permitted
Year-to-year rollover of account balance? No. Rollover Provision $660
Does the account earn interest? No
Portable? No
Dental Insurance UnitedHealthcare
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/cityofroma
Dental Coverage
Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work.
DPPO Plan
Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may select any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.
Find an In-Network Provider
Visit www.uhc.com Call (866) 633-2446
Emergency Medical Transport MASA
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/cityofroma
A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network. After the group health plan pays its portion, MASA MTS works with providers to deliver our members’ $0 in out-of-pocket costs for emergency transport.
Emergent Air Transportation In the event of a serious medical emergency, Members have access to emergency air transportation into a medical facility or between medical facilities.
Emergent Ground Transportation In the event of a serious medical emergency, Members have access to emergency ground transportation into a medical facility or between medical facilities.
Non-Emergency Inter-Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to nonemergency air or ground transportation between medical facilities.
Repatriation/Recuperation Suppose you or a family member is hospitalized more than 100-miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation.
Should you need assistance with a claim contact MASA at 800-643-9023. You can find full benefit details at www. mybenefitshub.com/cityofroma
Medical Transport Plans
Emergency Air Transportation
Emergent Ground Transportation
Non-Emergency Inter-Facility Transportation
Repatriation/Recuperation
Escort Transportation
Visitor Transportation
Return Transportation
Mortal Remains Transportation
Minor Return
Organ Retrieval/Organ Recipient Transportation
Vehicle Return
Pet Return
Life and AD&D
Lincoln Financial Group
ABOUT LIFE AND AD&D
Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family.
Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.
For full plan details, please visit your benefit website: www.mybenefitshub.com/cityofroma
Life and AD&D Lincoln Financial Group
Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) insurance is important to your financial security, especially if others depend on you for support or vice versa. With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies).
Basic Term Life and AD&D
Basic Term Life and AD&D insurance are provided at no cost to you. You are automatically covered at $10,000 for each benefit.
Supplemental Term Life
If you need more coverage than Basic Term Life and AD&D, you may buy Supplemental Term Life for yourself and your dependent(s). If you do not elect Supplemental Term Life insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health (Evidence of Insurability).
Supplemental AD&D
Supplemental AD&D coverage is separate and apart from your Basic and Supplemental Term Life insurance coverage. It provides benefits beyond your disability or life insurance for covered losses that are the result of an accidental injury or loss of life. The full amount of AD&D coverage you select is called the Full Amount and is equal to the benefit payable for the loss of life. Benefits for other losses — such as loss of sight, speech, or hearing; coma; or paralysis — are payable as a predetermined percentage of the full amount.
Supplemental AD&D Coverage Amounts
Your Supplemental AD&D amount is equal to your Supplemental Term Life amount. You can also cover your dependent spouse and child(ren). Dependent coverage amounts will be equal to their Dependent Term Life coverage amounts.
Supplemental Coverage Highlights
• Portable – keep your supplemental coverage if you leave your current employer
• Convertible – convert your group term life insurance benefits to an individual whole life policy if your coverage ends
• Accelerated Benefits Option – get up to 80% of your life insurance benefit if you (or your spouse) are terminally ill and have less than 24 months to live. Note: this benefit is not the same as long term care insurance. Some limitations and exclusions apply. See the plan documents for details.
Designating a Beneficiary
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at any time. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%). The total must add up to 100%.
Individual Life Insurance
Texas Republic Life
ABOUT INDIVIDUAL LIFE
Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire.
For full plan details, please visit your benefit website: www.mybenefitshub.com/cityofroma
FINANCIAL PROTECTION FOR TODAY AND TOMORROW, STARTS AT WORK.
The TrueFlex UL with Living Benefits offers you protection if you encounter some hardship along life’s journey, or simply would like to leave some resources to those close to you when your journey ends. Employee, spouse, children and grandchildren are eligible. For less than a cup of coffee, a premium of $3.16 a week, a 35-year-old employee can purchase $30,000 of life insurance coverage, through Texas Republic Life’s, TrueFlex Universal life product. (See form: TRLIC-TF-NT52LO)
EMPLOYEES CAN EASILY QUALIFY TrueFlex is easy to qualify for. You only answer 3 questions (at right) covering the last six months: NO MEDICAL EXAM!
TRUEFLEX IS EASY TO ENROLL IN TrueFlex is easy to enroll in, right at your place of employment. No one coming to your home.
TRUEFLEX IS EASY TO FUND TrueFlex is easy to fund by payroll deduction.
TRUEFLEX IS EASY TO PORT TrueFlex policies are easy to port, you keep the same premium, your payment simply changes from a payroll deduction to a bank draft. No requalifying, no conversions and no decreasing face amounts.
TRUEFLEX IS EASY TO KEEP AND MAINTAIN TrueFlex is easy to keep, (See form: TRLIC-WFUL1) you have permanent life insurance coverage to age 121 as long as you pay the required premiums. Texas Republic Life has a service desk to address any questions you may have, or policy services that you may need.
Accident Insurance Lincoln Financial Group
ABOUT ACCIDENT
Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you.
For full plan details, please visit your benefit website: www.mybenefitshub.com/cityofroma
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.
Specific Sum Injuries
Dislocations, ruptured discs, eye injuries, fractures, lacerations, concussions, etc.
Hospital Indemnity Lincoln Financial Group
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/cityofroma
The Hospital Indemnity plan helps you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay. Unlike traditional insurance which pays a benefit to the hospital or doctor, this plan pays you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work. See the plan document for full details.
$1,000 per day up to three days per calendar year
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/cityofroma
Identity Theft Protection
• Identity Theft insurance1 Get help when things go bad. Generous insurance is there to cover up to $1M of fraud recovery expenses.
• Identity Restoration Get back on track with help from a trained agent that can walk you through the process of reclaiming what’s yours.
• Experian® CreditLock Block fraudsters from getting new credit with your info to help prevent ID theft. Unlock when applying for credit.
• Dark Web Monitoring We’ll alert you if we detect any threats on the millions of data points we scan, so you can protect your information.
• Digital Identity Manager™ Reclaim exposed info from people finder sites to help reduce your risk of ID theft and potential fraud.
• Secure VPN Helps to prevent people and companies from collecting your personal information and data.
• Password Manager Safely store and protect your logins and payment info in one place with airtight security features.
• Safe Browser Get alerted when you visit unsafe websites, block ads and help prevent tracking of your personal data.
Employee Assistance Program (EAP) GuidanceResources
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/cityofroma
Employee Assistance Program
An Employee Assistance Program (EAP) helps you and your family members cope with a variety of personal or workrelated issues. Get confidential counseling and support services from licensed professionals at little or no cost to help with:
Relationships
Work/life balance
Stress and anxiety
Grief and loss
Childcare and eldercare resources
Substance abuse
Addiction And more
Get 24/7 Support
Visit: www.lfg.com
Call: (888) 628-4824
EmployeeConnectSM EMPLOYEE ASSISTANCE PROGRAM SERVICES
To find out more:
• Visit GuidanceResources.com.
• Username: LFGSupport
• Password: LFGSupport1
• Call 888-628-4824
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 City of Roma 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 City of Roma 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.
