WELCOME
WelcometoNEISD!
Thepurposeofthisguideistoprovideyouwith informationonthebenefitsNEISDofferssothat youasanemployeecanmakethebestbenefit choicesforyouandyourfamily’sneeds.
Thisguideprovidesgeneraldescriptionsofthe benefitsNEISDoffersandisnotintendedto provideallofthedetailsforthesebenefits.
Formoredetailedinformationpleasevisitour website:wwwneisdnet/Benefits
Theofficialplandocumentswillprevailifany inconsistenciesarefoundbetweentheNEISD BenefitGuideandtheofficialplandocuments Youshouldbeawarethatanyandallelements ofNEISD’sbenefitsprogrammaybemodifiedin thefuture,atanytime,tomeetInternalRevenue Servicerules,orotherwiseasdecidedbyNorth EastISD.
ContactUs
Contactusforanyquestions,concerns,comments, orsuggestions
Phone:210-407-0187
Fax:210-804-7014
Email:eb@neisd.net
EmployeeBenefitsContacts&FAQs NEISDBenefitFormsLibrary
OfficeHours
MondaythroughFriday8:00amto4:45pm. Closedonschoolholidays.
Hourssubjecttochangeduringthesummermonths Visitwwwneisdnet/benefitsforhours
NorthEastISD 8961TesoroDr,Suite209
ENROLLMENTPERIODS
NewHireEnrollment
Asanewhire,youhavethefirst31-daysofemploymenttoenrollinbenefits.Your coveragewillbeginthefirstdayofthemonthfollowingyourhiredate. Oncethe electedplanhasbecomeeffective,changescannotbemade.Ifyoumissyournew hireenrollmentopportunity,youmustwaituntilthefollowingDistrict-wideOpen Enrollmenttoenroll.TheeffectivedatewouldbeJanuary1stofthefollowingyear. Newhirepremiumswillbedeductedinthesamemonththatcoverageisineffect. BenefitscannotbededucteduntiltheyhavebeenelectedinEmployeeCenter.Any past-duepremiums,owedfromdeductionsonmissedpaycheck(s),willbe deductedonthenextavailablepayrollcheck.
IRSrulesandregulationsallowfor thefollowingenrollmentperiods:
IMPORTANT:
Ifyour31stdayfallsonaweekend,holidayor extendedbreak,yourformsmustbereceivedin theEmployeeBenefitsofficeonorbeforethelast workingdaypriortoyour31stday.Requestsfor changestoyourbenefitsthatwerereceivedafter your31-daydeadlinehaspassedcannotbe processed
FamilyStatusChange
Ifyouexperiencealifeeventthataffectsyourbenefitneeds,pleasecontactyourEmployeeBenefitsTechnician immediately Examplesofqualifyinglifeeventsare:
Birth/Adoption
Death
Marriage/Divorce
Dependentlossofeligibility(lossofjob,FTtoPT,employereliminatesbenefits,laidoff,etc)
Dependentgainedeligibility(newemployee,PTtoFT,newemployerbenefits,etc.)
DependentOpenEnrollment(Employer,Medicare,orMarketplace)
GainorlossofEligibilityforMedicareorMedicaid
HIPPA(HealthInsurancePortabilityandAccountabilityAct)allowsforaspecialenrollmentof31-daysduetothe abovementionedqualifyingevents.Ifyouexperienceaqualifyingevent,yourwrittenrequesttoenrollorchange yourbenefits,mustbereceivedintheEmployeeBenefitsofficewithin31-daysfrom,andincluding,thequalifying eventdate.Supportingdocumentation,confirmingthequalifyingevent,isrequiredtoprocessachangetoyour benefits.Theeffectivedateforyourbenefitswillbethe1stdayofthemonthfollowingyourqualifyingevent,with theexceptionofbirth.Theeffectivedateforbirthofachildwillbethedateofbirth.
OpenEnrollment
OpenEnrollmentisheldinOctobereveryyear.Employeesareprovidedthis opportunitytoaddanewbenefit,stopabenefit,orchangeabenefit,aswellas, addordropeligibledependentsfromtheirbenefits Intheweeksleadingupto OpenEnrollment,moreinformationwillbee-mailedtoyouinyourNEISDemail regardingthisevent
WhoisEligibleforBenefits?
Part-timeemployeesworkingatleast20hoursperweek
Full-timeemployeesworkingatleast32hoursperweek
PremiumDeductionsandEffectiveDates
Thissectionisprovidedtohelpyoudeterminehowyour premiumswillbedeductedforvariousbenefits,andwhen benefitsmaybecomeeffective Forallcategoriesof employees,therewillbeexceptionstotheinformation outlinedbelow.Ifyouhavespecificquestions,pleasecontact theRiskManagement/EmployeeBenefitsOfficeat210-4070187
Employees who are paid on a monthly basis, such as Administrators, Teachers, Counselors, Nurses, Librarians, etc., have benefits deducted based on an annual premium. The standard deduction rate for each paycheck is based on the annual premium divided by 12 paychecks.
Employees who are hired as Administrative & Instructional Support Staff, such as Secretaries, Bookkeepers, Specialists, Clerks, Teacher Assistants, Bilingual Assistants, Lunchroom Assistants, etc., have benefits deducted based on an annual premium. The standard deduction rate for each paycheck is based on the annual premium divided by 26 paychecks.
ALLBENEFITSAREDEDUCTEDIN THECURRENTMONTHOF COVERAGE.
Newhiresaredeductedforbenefits theyelectinthemonththat coverageisineffect.Benefits cannotbededucteduntiltheyhave beenelectedinEmployeeCenter. Anypastdueamountswillbe deductedonthefirstavailable payrollcheck.
Auxiliary (hourly) employees who are hired as Custodians, Police Officers, Computer or Copier Technicians, Print Shop, or Maintenance who work on a year- round basis have benefits deducted based on an annual premium.
The standard deduction rate for each paycheck is based on the annual premium divided by 26 paychecks.
Auxiliary (hourly) employees who are hired as Bus Drivers, Bus Assistants, Food Service Workers, and K.I.N. who work during the school year have benefits deducted based on an annual premium. The standard deduction rate for each paycheck is based on the annual premium divided by 20 paychecks.
EFFECTIVEDATES
MEDICAL, DENTAL, VISION, FLEXIBLE SPENDING ACCOUNTS, AND CANCER PLANS
As a new hire, you have the first 31-days of employment to enroll in benefits. Your coverage will begin the first day of the month following your hire date. Once the elected plan has become effective, changes cannot be made. If you miss your New Hire deadline, your next natural opportunity to enroll in benefits will be in October during the annual Open Enrollment The effective date for Open Enrollment elections would be January 1st
DISABILITY INCOME PROTECTION
GROUP TERM LIFE
WHOLE LIFE POLICIES
As a new hire, you have the first 31-days of employment to enroll in benefits. Your coverage will begin the first day of the month following your hire date. Employees must be actively at work for coverage to begin. If you miss your New Hire deadline, your next natural opportunity to enroll in benefits will be in October during the annual Open Enrollment.
As a new hire, you have the first 31-days of employment to enroll in benefits Your coverage will begin the first day of the month following your hire date Employees must be actively at work for coverage to begin If you miss your New Hire deadline, your next natural opportunity to enroll in benefits will be in October during the annual Open Enrollment. The effective date would be January 1st. Group Term Life Policies: The effective date for any coverage amounts over the guaranteed issue amount will be determined by The Standard and is subject to underwriting.
As a new hire, you have the first 31-days of employment to enroll in benefits UNUM Provident must approve all applications The effective date is determined by UNUM Provident Insurance
There is no monetary cost for joining the Catastrophic Sick Leave Bank, however, you must donate three days of your local sick leave or anticipated local sick leave to join as per District policy. For membership to be complete, an employee must work at least 108 days in a school year to earn the three days donated for membership
If you enroll within the first 31-days of employment, your effective date will be the first day of the month following your hire date You may also join the Bank during the following Districtwide Open Enrollment in the Fall of any subsequent year. If enrolling during Open Enrollment, your effective date will be January 1st of the following year. A member must have earned membership before any Catastrophic Sick Leave Bank days may be granted.
SECTION125 CAFETERIAPLAN
TheInternalRevenueServiceallowsemployeestopaysomebenefitpremiums withbeforetaxdollars Health,dental,vision,flexiblespendingaccounts,health savingsaccounts,andcancerinsurancesofferedbytheDistrictare administeredonapre-taxbasis.Formanyemployees,thisbecomesa wonderfulbenefitbecauseyouremployeepremiumcontributionsarededucted beforetaxesarecalculatedbasedonyourincome,thusreducingyourtaxable income.Thisinturnlowerstheamountoffederalincometaxyoupayeachpay period!Youseeanimmediatetaxsavingsoneachpaycheck.
Itcostsyounothing.ThisisaserviceprovidedbyNorthEastISDunderthe regulationsfromtheIRSTaxCode,Section125.
WhenyoupayeligiblepremiumsthroughtheCafeteriaPlan,yourselectionsare finalforthecurrentbenefityear,unlessyouexperienceaqualifyingevent,as outlinedintheInternalRevenueCode,Section125,andrelatedregulations. Unlessyouexperienceoneofthesechangesthataffectsyourfamilystatus,or anotherchangedescribedintheprovisionsofFMLAoftheDistrict’sCafeteria Plan,youmaynotdropyourdependentsorchangeyourcoverageforthat benefityear
Ifyouwishtochangeorcancelyourbenefitelections,youcanmakeyour changesduringtheannualOpenEnrollmentperiodinOctoberwithaneffective dateofJanuary1,usingEmployeeCenter
Allnewemployeeshave31calendardaysfromandincludingtheirhiredateto gotoEmployeeCentertoelectorwaiveparticipationinallNEISDbenefits. Changescannotbemadeonceabenefithasgoneintoeffectwithouta qualifyingfamilystatuschange.
HEALTHINSURANCE
Newfor 2025
MedicalInsurance:
Therewillnotbeahealth insurancepremiumincrease onJanuary1,2025.TheNEISD BoardofDirectorshas approvedthenewdistrict contributionamountof$618 permonth.Thiswillgotowards thecostofanyhealth insuranceplan.Itwillalsocover thecostoftheHIBbenefitfor anyemployeewhowaives medicalcoverage
BlueEdgeHDHP-2025InNetworkIndividualDeductible andIndividualOut-ofPocket limitsis$3,300. The2025InNetworkFamilyDeductibleand Out-ofPocketlimitsis$9,000 The2025Out-ofNetwork IndividualDeductibleand IndividualOut-ofPocketlimitis
$6,600.The2025In-Network FamilyDeductibleandOut-of Pocketlimitsis$18,000.
HSAlimitsfor2025:
LimitsfromtheIRStypically comeoutinthemonthof October. For2025thelimitsare asfollows:$4,300forsingle coverage
$8,550foremployeeplusone dependent
Ourhealthplansareadministeredby
Wehavethreeplanstochoosefrom:
LowPPO
HighPPO
BlueEdgeHighDeductibleHealthPlan(HDHP)
NEISDhasoneofthebesthealthplansamongstotherschooldistrictsin SanAntonio.TheDistrictcurrentlycontributes$600.00peremployeeper monthtowardsthecostoftheirhealthinsurancepremiums.Belowarethe premiumratesforplanyear2024.Theratesshownarewhattheemployee paysperpaycheck Allpremiumdeductionsarecalculatedbythenumber ofpaychecksyoureceivefortheyear Premiumsmaydifferdueto rounding
Paraprofessionalswhoarepaidtothepunch(PA10)andAuxiliary10monthemployeeswhoworklessthan 230daysayear,usethecolumn titled"20Pay"fordeductionamounts
Asummaryofbenefitsforeachplanareincludedonthenext fewpages;thesespagescomefromtheBCBSGetToKnowGuide ForafullcopyoftheGetToKnowGuide,visitourwebsite: www.neisd.net/Page/11172
HOWTOENROLL INBENEFITS
LawsonESSislocatedinEmployeeCenterandcanbeusedwithGoogleChrome, MozillaFirefox,Safari,MicrosoftEdge,andotherbrowsers LawsonESSisNOTavailable onSmartphones,iPadorothertablets Uponcompletionofyourenrollment,youwill be promptedtoeitheremailyourselforprintoutaconfirmationpage Pleasemake surethataprinterisavailablebeforeyoubegintheenrollmentprocess.Thisisyour onlyopportunitytoprinttheconfirmationpageandhaveproofofwhatyouelected.
Gotowww.neisd.netandclicktheLOGINtabontheupperrightsideofyourscreen. 1. ClickontheLOGINlinkthatisbelowthestatement“Loginusingyouractivedirectory credentials” 2 NextyouwillclickonMyNEISDtab 3 OntheleftsideofthescreenyouwillseeashadedboxwithQuickLinks,selectthe EmployeeCenter. 4.
5LogintoNEISDPRODwithyoursamecredentialsusing@neisdnet
Username/Password
Youwillneedtouseyourfullemailaddresstologinandthepasswordthatyoupreviouslycreated. Ifyouneedassistancewithyourusernameandpassword,contacttheHELPDESKat210-356-4357.Useprompts1and8.
Dependents
SocialSecuritynumbersarerequiredforalldependents
Supportingdocumentationisrequiredfordependentswithdifferentlastnamesthanyours.Youmaysendacopyofbirth certificate,marriagecertificateorothersupportingdocumentationtotheEmployeeBenefitsoffice. Dependentswithdifferentlastnamesthanyourswillberemovedanddonothavecoverageuntilourofficereceivesthe requiredsupportingdocumentation
BenefitsEnrollment
UnderManageMyBenefits,youcanaccessthelinksforNewHire Enrollment,Dependents,Beneficiaries,CurrentBenefits,andOpen Enrollment.
TheOPENENROLLMENTlinkifyouareenrollinginbenefitsormaking changestoyourexistingbenefitsduringOpenEnrollment Ifyouarenewlyhired,andwithinyour31daydeadline,selectNEWHIRE ENROLLMENT
Thebenefitenrollmentprocesswillbeginonthescreensthatfollow.
TheDependentscreenwillpromptyoutoadddependentsormakechangestoanyexistingdependentsyouintendtocover underyourNEISDbenefits Note:thissteponlycreatesthedependentsprofile Itdoesnotenrollyourdependentsinany benefits Followtheinstructionsoneachscreentoenroll Youwillselecttheplanyouwanttoenrollinorwaiveparticipation foreachbenefitoffered
Ifchangesarenecessary,selecttheMAKECHANGESoptionatthebottomofthepage.Ifnochangesarenecessaryselect OKandconfirmyourelections.
Afterconfirmingyourelections,youwillbepromptedtoeitheremailorprintyourconfirmationpage Makesurethatthere arenoerrormessagesonyourconfirmationpage Thiswillbeyouronlyopportunitytoprintyourconfirmationpage IfyouExitbeforeyoucompletethenewhireenrollmentoropenenrollmentprocess,yourbenefitchoicesWILLNOTbe saved.Youwillneedtocomebackandcompletetheenrollmentprocessatanypointwithinthedatesofyournewhire enrollmentoropenenrollmentperiod.
IfyouhavecompletedyourNEWHIREENROLLMENT,andneedtomakeachangebeforethebenefithasgoneintoeffect,you willneedtocontacttheEmployeeBenefitsOfficetomakechanges
IfyouneedtomakechangestoyourOPENENROLLMENTelections,youmaydosobyloggingbackintoEmployeeCenterand repeattheprocess YouwillneedtoConfirmationPageagainaftermakingyouropenenrollmentchangesandsavingyour elections.
PLANHIGHLIGHTS
(per person) Other
Hospital deductible (per admission)
Penalty for Failure to Preauthorize
PCP Referral Required
Pre-Existing Conditions Limitation
Physician Services
Office Visit
Office Procedure
Urgent Care Office Visit
Office Procedure
Specialist Office Visit/Airrosti
Office Procedure
Retail Health Clinic
Office Procedure
MDLIVE Virtual Visit
Office Procedure Routine Exams
Gynecological Exam
Cancer Screening
Eye Exam (1 every 12 months)
Hearing Exam
Well-Child Care
Immunizations
Influenza
Pneumoccocal
Zoster, minimum age of 50
Rabies
Hep B
T-Dap
Tetanus Vaccines
Allergy Testing/Treatment
Testing
Injections
Office Visit
$4,500/calendar year
$9,000 /calendar year
$6,500/calendar year
$15,000/calendar year unlimited
Diagnostic X-ray and Lab $100
$4,000
$12,000 Out-Of-Network
$9,000/calendar year
$18,000/calendar year
$13,000/calendar year
$30,000/calendar year unlimited
$250
$4,000/calendar year $11,250/calendar year
$100
$8,000/calendar
$22,500/calendar
Blue Choice PPO -
Blue Choice PPO - High Option
PLANHIGHLIGHTS
General Information
Calendar-Year deductible Individual Family
Coinsurance Maximum Individual
Out-of-Pocket Limit**
Lifetime Maximum (per person) Other Hospital deductible (per admission)
Penalty for Failure to Preauthorize PCP Referral Required
Pre-Existing Conditions Limitation
Physician Services
Office Visit
Office Procedure
Urgent Care Office Visit
Office Procedure
Specialist Office Visit/Airrosti
Office Procedure
Retail Health Clinic
Office Procedure
MDLIVE Virtual Visit
Office Procedure Routine Exams
Gynecological Exam
Cancer Screening
Eye Exam (1 every 12 months)
Hearing Exam
Well-Child Care
Immunizations
Influenza
Pneumoccocal
Zoster, minimum age of 50
Rabies
Hep B
T-Dap
Tetanus Vaccines
Allergy Testing/Treatment
Testing
Injections
Office Visit
Diagnostic X-ray and Lab
$3,300***/calendar year
$9,000/calendar year
Unlimited
$3,300***/calendar year
$9,000/calendar year unlimited
Out-Of-Network
$6,600/calendar year
$18,000/calendar year
Unlimited
$6,600/calendar year
$18,000/calendar year
unlimited
** Out-of-pocket limit: deductible, coinsurance percentage, prescription drug copay and medical copay.
*** $100 increase due to IRS Regulation
PLANHIGHLIGHTS
Blue Choice PPO - High Option
PLANHIGHLIGHTS
Pre-Existing Conditions Limitation
Hospital Services
Inpatient Hospital Expenses
Outpatient Surgery
Emergency Medical Services copay (copay waived if admitted) (Facility Only)
Non-Emergency Use of ER
Pre-Existing Conditions Limitation
Other Services
Chiropractic Services Office Visit
Other Services
Maximum
Durable Medical Equipment
Skilled Nursing or Convalescent Facility
Max. Days/Calendar Year
Hospice Care Lifetime Maximum
Health Care Calendar Year Maximum
Prescriptions
Retail Pharmacy Card (copay for a 30-day supply)
Generic Non-Preferred Generic
Preferred Brand Name
Non-Preferred Brand Name
Preferred Specialty
Non-Preferred Specialty
Immunizations Covered Influenza
Pneumoccocal
Zoster, minimum age of 50
Rabies
Hep B T-Dap
Tetanus Vaccines
Mail Order Prescriptions (copay for a 90-day supply)
Generic
Preferred Brand Name
Non-Preferred Brand Name
Mental
Outpatient
BlueEdge HSA In-Network No
Benefits for the plans are paid at a percentage of the allowable amount as determined by Blue Cross and
of Texas. The comparison is not the summary plan description. Please refer to your summary plan description benefit booklet for a detailed description of your health plan, including limitations and exclusions. Benefits will be paid according to the summary plan description only.
* If service is delivered by a primary care physician, the copayment is $25. If service is delivered by a specialist, the copayment is $35.
DENTALINSURANCE
OurdentalplansareadministeredbyDeltaDental Wehavetwoplansto choosefrom. Bothplanshaveadeductibleof$50perperson/$150perfamily eachcalendaryearandcoverDiagnosticandPreventativeservicesat100%.
LowPPO-coversbasicservicesonly;60%coveredatinnetworkproviders; witha$750perpersoncalendaryearmaximum.
HighPPO–coversbasic;80%coveredatinnetworkproviders.
$1,750perpersonpercalendaryearmaximum•Major,prosthodontics andorthodonticservices(12monthwaitingperiodforfirsttimeenrollees); 50%coveredatinnetworkproviders.
$2,000Lifetimemaximumfororthodontics
Bothplanscovertwo(2)cleaningsperyearat100%.
Formoredetailedinformationvisitourwebsite:https://wwwneisdnet/Page/11167
Premiums
Belowarethepremiumratesforplanyear2024.Paraprofessionalswhoarepaidtothepunch(PA10)andAuxiliary 10-monthemployeeswhoworklessthan230daysayear,usethecolumntitled"20Pay"fordeductionamounts.
*Premiumsmaydifferduetorounding
VISIONINSURANCE
OurvisionplanisadministeredbyAvesis.
Avesisisanationalleaderinprovidingexceptionalvisioncarebenefits formillionsofcommercialmembersthroughoutthecountry.
TheAvesisvisioncareproductsgiveourmembersaneasy-to-use wellnessbenefitthatprovidesexcellentvalueandprotection.
Formoredetailedinformationvisitourwebsite:https://www.neisd.net/Page/11178
Premiums
Belowarethepremiumratesforplanyear2024 Paraprofessionalswhoarepaidtothepunch(PA10)and Auxiliary10-monthemployeeswhoworklessthan230daysayear,usethecolumntitled"20Pay"fordeduction amounts
*Premiummaydifferduetorounding
PlanHighlight
Thereisa$150.00allowanceforcontactsorlenseswhenpurchasedthroughanetworkprovider.
HSA&FSA
HEALTHSAVINGSACCOUNT(HSA)
HSAsanindividuallyowned,tax-advantagedaccountthatyoucanusetopayforcurrentorfutureIRS-qualified medicalexpenses.WithanHSA,you'llhavethepotentialtobuildmoresavingsforhealthcareexpensesor additionalretirementsavingsthroughself-directedinvestmentoptions.
OurhealthsavingsaccountinadministeredbyHSABank.EnrollmentintheBlueEdgeHighDeductible(HDHP) planisrequiredtoparticipateinthisbenefit.
Formoredetailedinformationvisitourwebsite:https://www.neisd.net/Page/27203
AnnualContributionLimit:
Forthecalendaryear2025,theannualcontributionlimitisasfollows:
PlanHighlight
TheDistrictcontributes$500annually($125depositedeachquarter)toemployeeswithemployeeonlyhealth coverageand$1,000annually($250depositedeachquarter)toemployeeswithatleastonedependent coveredontheirBlueEdgehealthplan.
FLEXIBLESPENDINGACCOUNTS(FSA)
IfyoudonotqualifyforanHSAaccount,perhapsanFSAaccountwillworkforyou.Ourflexiblespending accountsareadministeredbyNationalBenefitServices(NBS).
WehavetwoFSAaccountstochoosefrom:
Forthecalendaryear2025,thecontributionlimitsareasfollows:
HealthFSA-isusedtopayforIRSapprovedeligibleout-of-pocketmedical,dental,andvisionexpenses.It canbeusedbyyouandyourdependentswhethercoveredonthehealthplansornot. DependentCareFSA-isusedtoreimburseexpensesrelatedtothecareofyoureligibledependentswhile youwork Itcanbeusedfordaycare,beforeschoolorafterschoolcareforchildrenunderage13
Fundsmustbeelectedeachyear “Useitorloseit”fundsdonotrolloverandmustbeusedbyDecember31stof thecalendaryear Formoredetailedinformationonthisbenefit,visitourwebsite: https://wwwneisdnet/Page/11170
AnnualContributionLimits
PlanHighlight:
ContributetoanFSA,havemoneyavailableforout-of-pocketexpenses,andpaylesstaxes!
HOSPITALINDEMNITY&
HOSPITALINDEMNITYBENEFIT(HIB)
TheprimarypurposeoftheHospitalIndemnityPlanistoprovideabenefitforeligibleemployeeswhoarenot enrolledinanyofthehealthplansofferedbyNEISD.
Theplanprovidesadailyhospitalbenefitintheeventyouhaveanillnessorinjurythatrequiresaninpatient hospitalconfinement.TheHospitalIndemnityBenefitwillpaya$250dailybenefitforanyapprovedinpatient hospitalconfinement.
Ourhospitalindemnitybenefit(HIB)isadministeredbyNEISD.Ifyouchoosetowaiveenrollmentinourhealth plans,youareautomaticallyenrolledinHIB.Thisisnotahealthinsuranceplan.
Formoredetailedinformationvisitourwebsite:https://wwwneisdnet/Page/11173
Premiums
Nocosttotheemployee;theDistrictpaysforthis
PlanHighlight:
TheHospitalIndemnityBenefitisasupplementalplan andbenefitsarepaiddirectlytotheemployee
CATASTROPHICSICKLEAVEBANK(CSLB)
TheNEISDCatastrophicSickLeaveBankisavoluntaryemployeebenefit programdevelopedtoprovideupto45paiddaystomemberswhohave sufferedacatastrophicillnessorinjury.TheCatastrophicSickLeaveBank hasstrictcriteriaandisforsuchmedicalconditionsthatareusually consideredlife-threateningorwiththethreatofseriousresidualdisability. OurcatastrophicsickleavebankbenefitisadministeredbyNEISD.
Formoredetailedinformationvisitourwebsite:wwwneisdnet/Page/11165
Premiums
CosttoparticipateintheCSLBprogramisaone-timedonationofthree(3)ofyoursickdays.
PlanHighlight
Youonlyhavetore-donatethree(3)sickdayswhenyouusethreeormoredaysfromthebank.Ifyouuseless thanthree(3)days,youonlyneedtore-donatethenumberofdaysthatwereused
DISABILITYINSURANCE
Adisabilitycanhappentoanyone Long-termdisabilityinsurancehelpsprotectyourpaycheckifyou’reunableto workforalongperiodoftimeafteraseriouscondition,injuryorsickness.Ourdisabilityinsuranceplanis administeredbyTheStandard Therearemanyoptionstochoosefromdependingonyourneeds
PERCENTAGE*
66 2/3%
$100 Increments between $200 and $10,000, but not more than 66 2/3% of current monthly earnings Minimum $100
The elimination period you can select has two numbers: •The first number is the number of days you must be disabled by an accident before your benefits can begin. •Second number is the number of days you must be disabled by a sickness before the benefits can begin.
Elimination period options: 0/7, 14/14, 30/30, 60/60. 90/90, 180/180
Plan A: Injury and Sickness
Disabled before: Age 62
Benefit Duration: As long as you are disabled or to the end of the month age 65 is attained. Plan B: Injury
Disabled before: Age 62
Benefit Duration: As long as you are disabled or to the end of the month age 65 is attained. Plan B: Sickness
Disabled before : Age 63
Benefit Duration: As long as you are disabled or 3 years.
*Employees who elect an elimination period of 45 days or less, If you are confined to a hospital for 4 hours or more due to a disability, the elimination period will be waived and benefits will be payable from the first day of disability.
Premiums
Premiumratesforplanyear2025,visitwwwneisdnet/Benefits
PlanHighlight
Protectyourpaycheckwhenyouareunabletoworkduringaninjuryor illness.
Premiumratesforplanyear2025,visitwww.neisd.net/Benefits
Formoredetailedinformationvisitourwebsite:www.neisd.net/Page/11164
LIFEINSURANCE& CANCERINSURANCE
BasicLife
TheDistrictprovidesa$15,000lifeinsurancepolicyforeachemployee,atnocostto theemployee Employeesareautomaticallyenrolleduponemployment
GroupTermLife
ThisisatermlifepolicythatincludesamatchingAccidentalDeathandDismemberment(AD&D)policy.
WholeLife
WholeLifeInsuranceprovidesconsistentcoveragethroughretirementwithpremiumsandbenefitsthatwon’t changeasyougrowolder Theseareindividualpoliciesthatcanbuildcashvalueovertime Employeesdonot havetoenrollinwholelifecoverageinordertopurchasecoveragefortheirspouse,children,orgrandchildren Formoredetailedinformationvisitourwebsite:wwwneisdnet/Page/11163
Premiums
Premiumratesforplanyear2025areavailableonthewebsiteabove.Formoreinformation onWholeLiferates,pleasecontacttheEmployeeBenefitsofficeat(210)407-0187.
PlanHighlight
Didyouknowyoucancoveryourgrandchildrenwithawholelifepolicy?Seeplandetails
CANCERINSURANCE
OurcancerinsuranceplanisadministeredbyAllstate.Receivinga cancerdiagnosiscanbeoneoflife’smostfrighteningevents.Unfortunately, statisticsshowyouprobablyknowsomeonewhohasbeeninthissituation.
WithCancerInsurancefromAllstateBenefits,youcanrestalittleeasier. Ourcoveragepaysyouacashbenefittohelpwiththecostsassociatedwith treatments,topayfordailylivingexpenses,andmoreimportantly,toempower youtoseekthecareyouneed Ourcancerplanoffersoptionsfortheemployee andtheirdependents
Formoredetailedinformationvisitourwebsite:wwwneisdnet/Page/11164Premiums
Premiums
SeeourAllstateflyerforpremiumratesforplanyear2025.Flyercanbefoundatwww.neisd.net/Benefits
PlanHighlight
ThisbenefitoffersaWellnessbenefit,getpaidforyourannualcheckup
EMPLOYEEASSISTANCEPROGRAM(EAP)
OuremployeeassistanceprogramisadministeredbyComPsych Your ComPsych®GuidanceResources®programofferssomeonetotalktoand resourcestoconsultwheneverandwhereveryouneedthem
Premiums
EAPisabenefitthatisnocosttotheemployee
PlanHighlight:
Call: 833 475 0996 TTY: 800.697.0353
Online: guidanceresources.com
Formoredetailedinformationvisitourwebsite:www.neisd.net/Page/11169 EAPoffersavarietyofservicestoincludelegal assistanceandfinancialplanningassistancein additiontotakingcareofyouremotionalhealth.
App: GuidanceNow™ Web ID: NEISD
EMPLOYEEWELLNESSPROGRAM
NEISDunderstandsthatahealthyworkforceleadstoaproductiveworkforce We’ve teamedupwithBlueCrossandBlueShieldofTexas(BCBSTX)toprovideacomplete wellnessprogramthathelpssupportemployeesintheirhealthandwellbeingjourney
YourNEISDwellnessprogram,DiscoverWellness,hasactivitiesforallbenefitseligible employeesaswellassupplementalactivitiesforthosecoveredundertheDistrict’s MedicalPlanwithBCBSTX.Ifyouhavequestions,pleasecontactyourBCBSTXWellness Coordinator,KristinSerna,atwellness@neisd.net.
BCBSTXIncentiveProgram:EmployeescoveredthroughNEISD’sBCBSTXprogram mayqualifytoreceivea$75annualpremiumcreditforcompletingspecifichealthrelatedactivities
BCBSTXFitnessProgram:Thisprogramoffersfourdifferenttieredmembership optionsforBCBSTXcoveredmemberstoaccessthousandsofgymswithinanational network Nosignedcontractsarerequired,andyouarenottiedtoanyonfacility
MemberRewards:BCBSTXoffersMemberRewards,aprogramadministeredthrough SapphireDIgitaltohelpyoudeterminehowtosavemoneywhengoingforcare, compareservicesacrossproviders,andevenpotentiallyprovideyouwithcash rewardswhenyouchooseaneligiblelocation
Blue365:Blue365isawebsiteforhealth-focuseddiscounts.Discountsinclude health-relatedproductssuchasfitnesstrackersandsubscriptions,aswellashealth andfitnessclubs,nutritionservicesandmuchmore
RETIREMENTPLANS
AsanNEISDemployeeyouarecontributingtoTRSretirement, however,wedonotcontributetosocialsecurity Inordertoretire comfortably,itisimportanttohaveadditionalretirementfunds setaside.
NEISDoffersthreesupplementalretirementplans:
403(b)
457(b)
457(b)Roth
The403(b)and457(b)arefundedwithyourpre-taxdollarsand the457(b)Rothisfundedwithyourafter-taxdollars.Ourretirementplansare administeredbyNationalBenefitServices(NBS)andEmpowerRetirement
Formoredetailedinformationvisitourwebsite:www.neisd.net/Page/11176
AnnualContributionLimits
Forthecalendaryear2024,thecontributionlimitsareasfollows:
Employeesundertheageof50
Employeesaged50andover
PlanHighlights
Wecurrentlydonothavethenew2025 limitsfromtheIRS
Wecurrentlydonothavethenew2025 limitsfromtheIRS
Youcanenrollandmakechangestoyourcontributionsatanytimeduringtheyear. NoneedtowaitforOpenEnrollmentoralifeevent
North East Independent School District
Important Notice from North East ISD About Your Prescription Drug Coverage and Medicare
This notice only applies to employees/retirees/COBRA participants and/or their dependents that are Medicare eligible and are:
•Over the age of 65 –OR-
•Under the age of 65 with a Disability
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with North East ISD and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:
Medicare prescription drug coverage became available in 2006 to everyone with Medicare You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
North East ISD has determined that the prescription drug coverage offered by the North East ISD Health Plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. 2.
When Can You Join A Medicare Drug Plan?
You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan
What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan?
If you decide to join a Medicare drug plan, your current North East ISD coverage will be affected. Generally, your North East ISD Plan is a Primary Plan if you are an active employee, and Medicare is a Primary Plan if you are a retired employee. See pages 7- 9 of the CMS Disclosure of Creditable Coverage To Medicare Part D Eligible Individuals Guidance (available at http://www.cms.hhs.gov/CreditableCoverage/), which outlines the prescription drug plan provisions/options that Medicare eligible individuals may have available to them when they become eligible for Medicare Part D.
If you do decide to join a Medicare drug plan and drop your current North East ISD coverage, be aware that you and your dependents will be able to get this coverage back if you are an active employee with a qualifying event or during Open Enrollment, and will not be able to get this coverage back if you are a retired employee.
When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with North East ISD and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.
If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. .
If you have questions regarding...
Blue Choice Low Option PPO Blue Choice High Option PPO NEISD group number: 93748 BlueEdge HSA™ Option NEISD group number: 190965
Contact
Blue Cross Blue Shield of Texas Customer Service Helpline 1-800-521-2227
NEISD Employee Benefits Office
Director
Francy
Leal
of Employee Benefits (210) 407-0187
NOTE: You will get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through North East ISD changes. You also may request a copy of this notice at any time
For More Information About Your Options Under Medicare Prescription Drug Coverage…
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.
For more information about Medicare prescription drug coverage: Visit www.medicare.gov
Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov or call them at 1-800-772-1213 (TTY 1-800-325-0778).
Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).
North
East
Independent School District
8 8961 TESORO DRIVE, SUITE 209 – SAN ANTONIO, TEXAS 78217
Phone 210-407-0187, Fax 210-804-7014
www.neisd.net
eb@neisd.net
RiskManagementandEmployee
BenefitsDepartment
MEMO TO: All Employees and Eligible Dependents
SUBJECT: CONTINUATION OF HEALTH COVERAGE UPON GROUP INELIGIBILITY
North East Independent School District (NEISD) will offer continued health coverage to employees and their eligible dependents who no longer meet the District eligibility requirements. This coverage is offered under the conditions set forth by the Consolidated Omnibus Budget Reconciliation Act of 1985, more commonly called COBRA, and as amended by the Omnibus Budget Reconciliation Act of 1989. The “qualifying events” under which an employee and/or dependent will be eligible to continue coverage are:
A reduction in hours;
An employee’s death;
Voluntary or involuntary termination of employment (other than for gross misconduct);
Retirement;
Divorce or legal separation;
The employee’s or eligible dependent’s entitlement to Medicare benefits;
A dependent child who is no longer eligible for coverage under the applicable plan provisions; or Leaves other than FMLA, e g , educational, military, workers’ compensation (except when integrated with FMLA).
The coverage would apply to an individual (known as a “qualified beneficiary”) who, on the day before the qualifying event, was:
The covered spouse of the employee;
A covered dependent child of the covered employee; or
A covered employee, in the event of termination
A “qualified beneficiary” has at least sixty (60) days from the date of the termination or other qualifying event in which to elect continuing coverage, and no less than sixty (60) days after receiving notice of the right to continue coverage. In the case of a divorce or a dependent child who is no longer eligible, the covered employee or qualified beneficiary has the responsibility of notifying the Employee Benefits Office in writing within thirty-one (31) days of the status change. The continued coverage will be identical to the health coverage provided to the active employee and their dependents. Coverage would begin on the date of ineligibility due to the qualifying event and endson the earliest of the following:
Eighteen (18) months for employee whose employment has terminated or whose hours have been reduced;
Thirty-six (36) months for widows, divorced spouses, dependent children, and spouses of covered employees who become entitled to Medicare benefits;
The date on which the employer ceases to provide a group health plan to any employee (the replacing carrier must cover the individual on continuation);
The date on which coverage ceases under the plan because of failure, on the part of the beneficiary, to make timely payment of premium required;
The date (after the date of election) on which the qualified beneficiary becomes entitled to benefits under Medicare;
COBRA continuation coverage WILL NOT cease if a qualified beneficiary becomes covered under another group health plan that contains an exclusion with regards to pre-existing conditions (effective 12/31/89);
Qualified beneficiaries determined to be disabled under the Social Security Act at the time a qualifying event occurs, can extend COBRA continuation coverage for eleven (11) additional months provided notification requirements are met.
The qualified beneficiary has a forty-five (45) day period from the date he or she elects continuation to pay the first premium. The cost will be the full premium, without district contribution, plus a two percent (2%) service charge to be paid directly to NEISD. Coverage cannot be verified until the first premium is received. For more information, please contact the Employee Benefits Office at 407-0187.
Main Number: 210-407-0498 Fax: 210-804-7014 www.neisd.net/page/434 E-mail: eb@neisd.net
MEDICAL, DENTAL, VISION PLANS
Eligibility/Coverage COBRA (ContinuationofCoverage)
PayrollDeductions/Premiums
MedicalIDCardsand ClaimsAssistance
HSABankCardClient AssistanceCenter
DentalIDCardsand ClaimsAssistance
VisionIDCardsand ClaimsAssistance
Andy McClung VACANT
Martha Lozano
Michele Vasquez
Martha Lozano
Michele Vasquez
BlueCross / BlueShield
BlueEdge and PPO Plans HSA Bank
Delta Dental Avesis
jmcclu7@neisdnet
mlozan1@neisd.net mvasqu8@neisd.net mlozan1@neisd.net mvasqu8@neisd.net www.bcbstx.com www.hsabank.com
wwwdeltadentalinscom/neisd
Eligibility/Coverage Claim Forms / Processing HOSPITAL INDEMNITY PLAN
Contact
Andy McClung VACANT
E-mail / Website jmcclu7@neisd.net EMPLOYEE ASSISTANCE PROGRAM
Contact
ComPsych
Andy McClung VACANT
Enrollment/Election Changes
FLEXIBLE SPENDING ACCOUNTS
Contact
National Benefit Services, LLC P. O. Box 6980 West Jordan, UT 84084
CATASTROPHIC SICK LEAVE BANK
Contact
Enrollment/Claim Forms and Processing
Membership/Coverage Questions
THE STANDARD – DISABILITY INCOME REPLACEMENT
janet@highlander financial.com janet@highlander financial.com
TEACHER RETIREMENT SYSTEM OF TEXAS
RetirementQuestionsand GeneralInformation
BeneficiaryDesignation/ ChangeForms RefundRequestForm
CANCER INSURANCE - ALLSTATE
Allstate
Action
457(b)/457(b) Roth
General Information and Assistance
TAX SHELTERED RETIREMENT ACCOUNTS
Contact
National Benefit Services
E-mail / Website
Address Changes
Death Claim Assistance
LeaveofAbsenceRequests
BenefitQuestionswhileonLeave ofAbsence
COBRA/PremiumPayments
BeneficiaryChangesforDistrict ProvidedLifeInsuranceand GroupTermLifeinsurance
LongTermCare
ADA Accommodation Requests
403(b) Action Name Changes Title
Francy Leal
Empower Retirement
Francy Leal
Anabel Nieto
Francy Leal
EMPLOYEE CHANGES & MISCELLANEOUS
HumanResources
AndyMcClung
VACANT
MicheleMatheny
EmilyAragon
MarthaLozano
MicheleVasquez
MarthaLozano
MicheleVasquez
AndyMcClung
VACANT
Genworth
RenaBuley, ADACoordinator
“ManageMyProfile” sectioninEmployee Center “ManageMyProfile” sectionin
Employee Center
jmcclu7@neisd net mmathe@neisd net earago@neisd.net mlozan1@neisd.net mvasqu8@neisd.net mlozan1@neisd.net mvasqu8@neisd.net
“Manage My Benefits” section in Employee Center www.403benefits.com fleal@neisd.net www.empowermy retirement com anieto1@neisd net fleal@neisd net
accommodations@neisd net EMPLOYEE BENEFITS STAFF
Name
DavidGracia,CSRM
Jason Saul
Francy Leal, MBA, PHR, RTSBA
Michele Vasquez
Martha Lozano
Andy McClung
VACANT
Anabel Nieto
SeniorDirectorofRiskManagement &EmployeeBenefits
DirectorofRiskManagement
DirectorofEmployeeBenefits
EmployeeBenefitsTechnician
EmployeeBenefitsTechnician
EmployeeBenefitsTechnician
EmployeeBenefitsTechnician
Wellness&RetirementPrograms Specialist
dgraci@neisd.net jsaul@neisd.net fleal@neisd.net mvasqu8@neisd.net mlozan1@neisd.net jmcclu7@neisd.net
anieto1@neisd.net
