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Thepurposeofthisguideistoprovideyouwith informationonthebenefitsNEISDofferssothat youasanemployeecanmakethebestbenefit choicesforyouandyourfamily’sneeds.
Thisguideprovidesgeneraldescriptionsofthe benefitsNEISDoffersandisnotintendedto provideallofthedetailsforthesebenefits.
Formoredetailedinformationpleasevisitour website:wwwneisdnet/Benefits
Theofficialplandocumentswillprevailifany inconsistenciesarefoundbetweentheNEISD BenefitGuideandtheofficialplandocuments Youshouldbeawarethatanyandallelements ofNEISD’sbenefitsprogrammaybemodifiedin thefuture,atanytime,tomeetInternalRevenue Servicerules,orotherwiseasdecidedbyNorth EastISD.

Contactusforanyquestions,concerns,comments, orsuggestions.
Phone:210-407-0187
Fax:210-804-7014
Email:eb@neisd.net
EmployeeBenefitsContacts&FAQs NEISDBenefitFormsLibrary





MondaythroughFriday8:00amto4:45pm. Closedonschoolholidays.
Hourssubjecttochangeduringthesummermonths Visitwwwneisdnet/benefitsforhours
NorthEastISD 8961TesoroDr,Suite209 SanAntonio,TX78217



Asanewhire,youhavethefirst31-daysofemploymenttoenrollinbenefits.Your coveragewillbeginthefirstdayofthemonthfollowingyourhiredate. Oncethe electedplanhasbecomeeffective,changescannotbemadetoyournewhirebenefits evenifyouarestillwithinyour31daydeadlinewindow. Ifyouexperienceaqualifying event,pleasecontacttheEmployeeBenefitsoffice. Ifyoumissyournewhire enrollmentopportunity,youmustwaituntilthefollowingDistrict-wideOpenEnrollment toenroll.TheeffectivedatewouldbeJanuary1stofthefollowingyear. Newhire premiumswillbedeductedinthesamemonththatcoverageisineffect. Benefits cannotbededucteduntiltheyhavebeenelectedinEmployeeCenter.Anypast-due premiums,owedfromdeductionsonmissedpaycheck(s),willbedeductedonthe nextavailablepayrollcheck.
NewHireEnrollment
Ifyour31stdayfallsonaweekend,holidayor extendedbreak,yournewhireelectionsand/oryour FamilyStatusChangeformsmustbereceivedinthe EmployeeBenefitsofficeonorbeforethelastworking daypriortoyour31stday. Requestsforchangesto yourbenefitsthatwerereceivedafteryour31-day deadlinehaspassedcannotbeprocessed.
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.


OpenEnrollmentisheldinOctobereveryyear.Employeesareprovidedthis opportunitytoaddanewbenefit,stopabenefit,orchangeabenefit,aswellas, addordropeligibledependentsfromtheirbenefits Intheweeksleadingupto OpenEnrollment,moreinformationwillbee-mailedtoyourNEISDemailregarding thisevent
Part-timeemployeesworkingatleast20hoursperweek
Full-timeemployeesworkingatleast32hoursperweek
Thissectionisprovidedtohelpyoudeterminehowyour premiumswillbedeductedforvariousbenefits,andwhen benefitsmaybecomeeffective.Forallcategoriesof employees,therewillbeexceptionstotheinformation outlinedbelow Ifyouhavespecificquestions,pleasecontact theRiskManagement/EmployeeBenefitsOfficeat210-4070187.
CERTIFIED EMPLOYEES
ADMINISTRATIVE & INSTRUCTIONAL SUPPORT STAFF
ALLBENEFITSAREDEDUCTEDIN THECURRENTMONTHOF
.
Newhiresaredeductedforbenefits theyelectinthemonththat coverageisineffect.Benefits cannotbededucteduntiltheyhave beenelectedinEmployeeCenter. Anypastdueamountswillbe deductedonthenextavailable payrollcheck.
AUXILIARY EMPLOYEES WHO WORK 230 OR MORE DAYS PER YEAR
AUXILIARY EMPLOYEES WHO WORK LESS THAN 230 DAYS PER YEAR
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.

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. Para Professionals who elect the pay-to-the-punch option are PA10 and receive 20 paychecks.
MEDICAL, DENTAL, VISION, FLEXIBLE SPENDING ACCOUNTS, CANCER PLANS, AND CRITICAL ILLNESS
DISABILITY INCOME PROTECTION
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.
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.


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
Allnewemployeeshave31calendardaysfrom,andincluding,theirhiredateto gotoEmployeeCentertoelectorwaiveparticipationinallNEISDbenefits. Changescannotbemadeonceabenefithasgoneintoeffectwithouta qualifyingfamilystatuschange.

BlueEdgeHDHP-2026In-Network IndividualDeductibleandIndividual Out-of-Pocketlimitis$3,400 The2026 In-NetworkFamilyDeductibleandOutof-Pocketlimitis$10,200
The2026Out-of-NetworkIndividual DeductibleandIndividualOut-ofPocketlimitis$6,800The2026Out-ofNetworkFamilyDeductibleandOut-ofPocketlimitis$20,400
HSAlimitsfor2026: For2026,themaximumlimitsare:
$4,400forsinglecoverage $8,750foremployeeplusone dependent
HSABankwillbesendingnewHSA Visacardswiththe‘taptopay’feature includedforactiveparticipants
FSAlimitsfor2026: HealthFSA-maximumnotavailable.
DependentCareFSA-maximumwill increaseto$7,500annually.
Newbenefitfor2026:
CriticalIllness
NorthEastISDisbringingyouanew VoluntaryBenefitplanwithguaranteed coverageforyouandyoureligible familymembers.
Criticalillnessinsurancemayhelp protectyourfinancesbyprovidingyou withonelump-sumpayment(when thereisaverifieddiagnosisofa coveredcondition)
https://www.neisd.net/Departments/E mployee-Benefits/Open-Enrollment/
Wehavethreeplanstochoosefrom:

NEISDhasoneofthebesthealthplansamongstotherschooldistrictsinSan Antonio.TheDistrictcurrentlycontributes$618.00peremployeepermonth towardsthecostoftheirhealthinsurancepremiums.Belowarethepremium ratesforplanyear2026.Theratesshownarewhattheemployeepaysper paycheck Allpremiumdeductionsarecalculatedbythenumberof paychecksyoureceivefortheyear Premiumsmaydifferduetorounding
Paraprofessionalswhoarepaidtothepunch(PA10)andAuxiliary10-month employeeswhoworklessthan230daysayear,usethecolumntitled "20Pay"fordeductionamounts
Asummaryofbenefitsforeachplanisincludedonthenext fewpages ThesepagescomefromtheBCBSGetToKnowGuide ForafullcopyoftheGetToKnowGuide,visitourwebsite: https://www.neisd.net/Departments/Employee-Benefits/BenefitOptions/Health-Plans/index.html


LawsonESSislocatedinEmployeeCenterandcanbeusedwithGoogleChrome, MozillaFirefox,Safari,MicrosoftEdge,andotherbrowsers LawsonESSisNOTavailable onSmartphones,iPadorothertablets.Uponcompletionofyourenrollment,youwill be promptedtoeitheremailyourselforprintoutaconfirmationpage.Pleasemake surethataprinterisavailablebeforeyoubegintheenrollmentprocess Thisisyour onlyopportunitytoprinttheconfirmationpageandhaveproofofwhatyouelected
1 Gotowww.neisd.netandclickthe EMPLOYEELOGINtabontheupperleftsideof yourscreen
2. ClickontheSIGNINWITHMICROSOFTlink.
3. Next,onthemiddleleftsideofthescreen,clickonthefirsttablabeled “EMPLOYEE CENTER”


Youwillneedtouseyourfullemailaddresstologinandthepasswordthatyoupreviouslycreated Ifyouneedassistancewithyourusernameandpassword,contacttheHELPDESKat210-356-4357 Useprompts1and1
SocialSecuritynumbersarerequiredforalldependents. Supportingdocumentationisrequiredfordependentswithdifferentlastnamesthanyours Youmaysendacopyofbirth certificate,marriagecertificateorothersupportingdocumentationtotheEmployeeBenefitsoffice Dependentswithdifferentlastnamesthanyourswillberemovedanddonothavecoverageuntilourofficereceivesthe requiredsupportingdocumentation
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

Attimes,throughoutthecourseofthecalendaryear,‘events’takeplaceinourlives thatnecessitateachangetoourbenefits TheIRS(Section125oftheIRSTaxCode) provideseligibleeventsthatallowemployeestomakeachangetotheircurrent benefitelectionsoutsideofOpenEnrollment
Birth/Adoption
Marriage
Divorce
Gainofnewemployment-gainnewcoverage/eligibility
Lossofemployment-lossofcoverage/eligibility
GainorlossofeligibilityofMedicaid/CHIP
DependentOpenEnrollment
Deathofdependentspouseorchild
Leaveofabsence
Whenyouexperienceanevent,youdon’twanttopayforbenefitsattwodifferentemployers,nor doyouwanttobewithoutbenefits Torequestachangetoyourbenefits,youmayfollowthe instructionsbelow:


Youwillneedtouseyourfullemailaddresstologinandthepasswordthatyoupreviouslycreated. Ifyouneedassistancewithyourusernameandpassword,contacttheHELPDESKat210-356-4357 Useprompts1and1
SocialSecuritynumbersarerequiredforalldependents. Supportingdocumentationisrequiredfordependentswithdifferentlastnamesthanyours.Youmaysendacopyofbirth certificate,marriagecertificateorothersupportingdocumentationtotheEmployeeBenefitsoffice Dependentswithdifferentlastnamesthanyourswillberemovedanddonothavecoverageuntilourofficereceivesthe requiredsupportingdocumentation
BenefitsEnrollment
Youhave31daysfrom,andincluding,yourlossofcoverage/eligibility eventtosubmittherequiredNEISDformsandsupportingdocumentation totheEmployeeBenefitsofficetoaddyourselfand/oryour dependent(s)toyourbenefits
First,gotowwwneisdnet/benefits ThisistheEmployeeBenefitsweb page.(Pleasebookmarkthispageforfuturereference.)
Second,ifyouareseekinggeneralinformation,whetherasanexisting
employeeorasanewhire,reviewthebulletpointsbelow:

“NewHires:WheretoStart”-ThenewhirebenefitsvideopresentationisavailableonthemainEmployeeBenefitswebpage, inthe“NewHires”section,alongwithotherhelpfullinks Thisvideoisavaluableresourceifyouarewantingtoreviewsome,or all,oftheNEISDbenefitsoffered,inavideoformat,priortoelectingyourNEISDbenefits Ifyoudon’twanttowatchtheentire videoagain,youmayfastforwardtothebenefitinwhichyouseekmoreinformation. BenefitsWeOffer–OntheNEISDwebpageabove,click“BROWSEOURBENEFITS”.Ontherightsideofnextpage,youwillsee eachbenefitlistedseparately Formoreinformationonaspecificbenefit,clickonthelinkforthatbenefitandscrolldown CurrentEmployees–generalinformationforallcurrentemployees
Premiumdeductions–Allbenefitpremiumsaredeductedperpaycheck Pleasenote,ifyourrequesttochangeyourbenefits,inthemiddleoftheplanyear,afterapaycheckhasalreadybeen calculatedandyoumissapremiumdeduction(s),themissedpremiumdeduction(s)willbetakenfromthenextavailable paycheck PleaserefertoyourpremiumdeductionsheetontheEmployeeBenefitswebpagetoconfirmtheproper deductionamounts wwwneisdnet/benefits
Third,fromtheEmployeeBenefitswebpage,selectBenefitsFormsLibraryinthe“CURRENTEMPLOYEEES”section Allavailable enrollment/changeformsarefoundonthispage.EmployeeBenefits/NEISDBenefitFormsLibrary
TheCafeteriaplanchangeformisrequiredforallFamilystatuschanges
Anenrollment/changeformisrequiredforanybenefityouwishtochange
Supportingdocumentationconfirmingyourqualifyingeventisalsorequiredbeforeprocessingcanbegin



General Information
Calendar-Year deductible
Individual Family
Coinsurance Maximum
Individual Family
Out-of-Pocket Limit**
Individual Family
LifetimeMaximum(perperson)
Other
Hospitaldeductible(peradmission)
PenaltyforFailuretoPreauthorize PCPReferralRequired
Pre-ExistingConditionsLimitation
PhysicianServices
OfficeVisit
OfficeProcedure
UrgentCareOfficeVisit
OfficeProcedure
SpecialistOfficeVisit/Airrosti
OfficeProcedure
RetailHealthClinic
OfficeProcedure
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
$2,000
$6,000
$4,500/calendar year
$9,000 /calendar year
$6,500/calendar year
$15,000/calendar year unlimited
$100 N/A No No
100%after$25copay
80%afterdeductible
100%after$45copay
80%afterdeductible
100%after$35copay
80%afterdeductible
100%after$25copay
80%afterdeductible
100%after$15copay
80%afterdeductible
100%100%100%after $25/$35*copay100% after$25/$35*copay 100%
$4,000
$12,000
$9,000/calendar year
$18,000/calendar year
$13,000/calendar year
$30,000/calendar year unlimited
$250
$1,500
$4,500
$2,500/calendar year
$6,750/calendar year
$4,000/calendar year
$11,250/calendar year unlimited
$100 N/A No No
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible N/A
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
60%afterdeductible
$5,000/calendar year
$13,500/calendar year
$8,000/calendar year
$22,500/calendar year unlimited


GeneralInformation
Calendar-Yeardeductible
Individual Family
CoinsuranceMaximum
Individual Family
Out-of-PocketLimit**
Individual Family
LifetimeMaximum (perperson)
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
$3,400***/calendar year
$10,200/calendar year
Unlimited
$3,400***/calendar year 10,200/calendar year
unlimited
$6,800/calendar year
$20,400/calendar year
Unlimited
$6,800/calendar year
$20,400/calendar year

*** $100 increase due to IRS Regulation


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


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
Home 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
No

* If service is delivered by a primary care physician, the copayment is $25. If service is delivered by a specialist, the copayment is $35.
Benefits for the plans are paid at a percentage of the allowable amount as determined by Blue Cross and Blue Shield 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.
OurdentalplansareadministeredbyDeltaDental.Wehavetwoplansto choosefrom.Bothplanshaveadeductibleof$50perperson/$150perfamily eachcalendaryearandcoverDiagnosticandPreventativeservicesat100%
LowPPO-coversbasicservicesonly;60%coveredatinnetworkproviders; witha$750perpersoncalendaryearmaximum.
HighPPO–coversbasicservices
80%coveredatinnetworkproviders
$1,750perpersonpercalendaryearmaximum
MajorServices


Prosthodonticsandorthodonticservices(12monthwaitingperiodforfirsttimeenrollees);
50%coveredatinnetworkproviders
$2,000Lifetimemaximumfororthodontics
Bothplanscovertwo(2)cleaningsperyearat100%
Formoredetailedinformationvisitourwebsite:https://wwwneisdnet/Page/11167
Belowarethepremiumratesforplanyear2026.Paraprofessionalswhoarepaidtothepunch(PA10)andAuxiliary 10-monthemployeeswhoworklessthan230daysayear,usethecolumntitled"20Pay"fordeductionamounts.
*Premiumsmaydifferduetorounding


OurvisionplanisadministeredbyAvesis.
Avesisisanationalleaderinprovidingexceptionalvisioncarebenefits formillionsofcommercialmembersthroughoutthecountry.
TheAvesisvisioncareproductsgiveourmembersaneasy-to-use wellnessbenefitthatprovidesexcellentvalueandprotection.

Formoredetailedinformationvisitourwebsite:www.neisd.net/Departments/Employee-Benefits/BenefitOptions/Vision-Plan/index.html
Belowarethepremiumratesforplanyear2026 Paraprofessionalswhoarepaidtothepunch(PA10)and Auxiliary10-monthemployeeswhoworklessthan230daysayear,usethecolumntitled"20Pay"fordeduction amounts
*Premiummaydifferduetorounding.
Thereisa$150.00allowanceforcontactsorlenseswhenpurchasedthroughanetworkprovider.


HSAsanindividuallyowned,tax-advantagedaccountthatyoucanusetopayforcurrentorfutureIRS-qualified medicalexpenses.WithanHSA,you'llhavethepotentialtobuildmoresavingsforhealthcareexpensesor additionalretirementsavingsthroughself-directedinvestmentoptions
OurhealthsavingsaccountinadministeredbyHSABank EnrollmentintheBlueEdgeHighDeductible(HDHP) planisrequiredtoparticipateinthisbenefit.
Formoredetailedinformationvisitourwebsite: https://wwwneisdnet/Departments/Employee-Benefits/Benefit-Options/Health-SavingsAccount-HSA/indexhtml
AnnualContributionLimit:
Forthecalendaryear2026,theannualcontributionlimitisasfollows:
PlanHighlight


TheDistrictcontributes$500annually($125depositedeachquarter)toemployeeswithemployeeonlyhealth coverageand$1,000annually($250depositedeachquarter)toemployeeswithatleastonedependent coveredontheirBlueEdgehealthplan ThequarterlydepositsoccuratthebeginningofJanuary,April,July,and October.
IfyoudonotqualifyforanHSAaccount,perhapsanFSAaccountwillworkforyou.Ourflexiblespending accountsareadministeredbyNationalBenefitServices(NBS).
WehavetwoFSAaccountstochoosefrom:
Forthecalendaryear2026,thecontributionlimitsareasfollows: HealthFSA-isusedtopayforIRSapprovedeligibleout-of-pocketmedical,dental,andvisionexpenses.It canbeusedbyyouandyourdependentswhethercoveredonthehealthplansornot. DependentCareFSA-isusedtoreimburseexpensesrelatedtothecareofyoureligibledependentswhile youwork Itcanbeusedfordaycare,beforeschoolorafterschoolcareforchildrenunderage13
Fundsmustbeelectedeachyear “Useitorloseit”fundsdonotrolloverandmustbeusedbyDecember31stof thecalendaryear Formoredetailedinformationonthisbenefit,visitourwebsite: https://wwwneisdnet/Departments/Employee-Benefits/Benefit-Options/Flexible-Spending/indexhtml
AnnualContributionLimits

PlanHighlight:
ContributetoanFSA,havemoneyavailableforout-of-pocketexpenses,andpaylesstaxes!


TheprimarypurposeoftheHospitalIndemnityPlanistoprovideabenefitforeligibleemployeeswhoarenot enrolledinanyofthehealthplansofferedbyNEISD.
Theplanprovidesadailyhospitalbenefitintheeventyouhaveanillnessorinjurythatrequiresaninpatient hospitalconfinement.TheHospitalIndemnityBenefitwillpaya$250dailybenefitforanyapprovedinpatient hospitalconfinement.
Ourhospitalindemnitybenefit(HIB)isadministeredbyNEISD.Ifyouchoosetowaiveenrollmentinourhealth plans,youareautomaticallyenrolledinHIB.Thisisnotahealthinsuranceplan.
Formoredetailedinformationvisitourwebsite:https://wwwneisdnet/Page/11173
Premiums
Nocosttotheemployee;theDistrictpaysforthis
PlanHighlight:
TheHospitalIndemnityBenefitisasupplementalplanandbenefitsare paiddirectlytotheemployee
TheNEISDCatastrophicSickLeaveBankisavoluntaryemployeebenefit programdevelopedtoprovideupto45paiddaystomemberswhohave sufferedacatastrophicillnessorinjury.TheCatastrophicSickLeaveBank hasstrictcriteriaandisforsuchmedicalconditionsthatareusually consideredlife-threateningorwiththethreatofseriousresidualdisability. OurcatastrophicsickleavebankbenefitisadministeredbyNEISD.
Formoredetailedinformationvisitourwebsite:wwwneisdnet/Page/11165
Premiums

CosttoparticipateintheCSLBprogramisaone-timedonationofthree(3)ofyourlocalsickdays.
PlanHighlight
Youonlyhavetore-donatethree(3)localsickdayswhenyouusethreeormoredaysfromthebanktheprevious schoolyear Ifyouuselessthanthree(3)days,youonlyneedtore-donatethenumberofdaysthatwereused

Adisabilitycanhappentoanyone.Long-termdisabilityinsurancehelpsprotectyourpaycheckifyou’reunableto workforalongperiodoftimeafteraseriouscondition,injuryorsickness Ourdisabilityinsuranceplanis administeredbyTheStandard.Therearemanyoptionstochoosefromdependingonyourneeds.
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 30 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.
Premiumratesforplanyear2026,visitwwwneisdnet/Benefits
Protectyourpaycheckwhenyouareunabletoworkduringaninjuryor illness. Forinformationonpremiumsforplanyear2026,visit www.neisd.net/Benefits
Formoredetailedinformation,visitourwebsite: https://www.neisd.net/Departments/Employee-Benefits/Summary-ofBenefits/



TheDistrictprovidesa$15,000lifeinsurancepolicyforeachemployee,atnocostto theemployee Employeesareautomaticallyenrolleduponemployment

ThisisatermlifepolicythatincludesamatchingAccidentalDeathandDismemberment(AD&D)policy.
WholeLifeInsuranceprovidesconsistentcoveragethroughretirementwithpremiumsandbenefitsthatwon’t changeasyougrowolder Theseareindividualpoliciesthatcanbuildcashvalueovertime Employeesdonot havetoenrollinwholelifecoverageinordertopurchasecoveragefortheirspouse,children,orgrandchildren Formoredetailedinformationvisitourwebsite:wwwneisdnet/Page/11163
Premiumratesforplanyear2026areavailableonthewebsiteabove.Formoreinformation onWholeLiferates,pleasecontacttheEmployeeBenefitsofficeat(210)407-0187.
Didyouknowyoucancoveryourgrandchildrenwithawholelifepolicy?Seeplandetails
OurcancerinsuranceplanisadministeredbyAllstate.Receivinga cancerdiagnosiscanbeoneoflife’smostfrighteningevents.Unfortunately, statisticsshowyouprobablyknowsomeonewhohasbeeninthissituation.
WithCancerInsurancefromAllstateBenefits,youcanrestalittleeasier. Ourcoveragepaysyouacashbenefittohelpwiththecostsassociatedwith treatments,topayfordailylivingexpenses,andmoreimportantly,toempower youtoseekthecareyouneed Ourcancerplanoffersoptionsfortheemployee andtheirdependents



Formoredetailedinformationvisitourwebsite:https://wwwneisdnet/Departments/EmployeeBenefits/Benefit-Options/Cancer-Plan/indexhtml
Premiums
SeeourAllstateflyerforpremiumrates. Flyercanbefoundatwww.neisd.net/Benefits
PlanHighlight
ThisbenefitoffersaWellnessbenefit,getpaidforyourannualcheckup

NorthEastISDisbringingyouanewVoluntaryBenefitcoveragewithguaranteed coverageforyouandyoureligiblefamilymembers.Whetheryouhaveafamilyhistory ofdiseaseorworryabouthowanunexpectedillnesscouldaffectyourbudget,MetLife p alump-sumcashbenefitpaymentthatcanbeusedasyouseefituponaverifieddiagnosisofacoveredcondition.
Coverageisportableifyouchangejobsorretire. Nowaitingperiod,coveragebeginsonyoureffectivedate. Guaranteedcoverageforyouandyourfamilymembers. Enrollinminuteswithnohealthquestionstoanswer.
Receiveacashbenefitpaymentof$10,000,$20,000or$30,000 forcoveredillnessesandconditionslikethese:
Cancer
Heartattack
Stroke
Kidneyfailure
Coronaryarterybypass
Majororgantransplants
Toseeallcoveredconditions, reviewyourPlanSummary.


Criticalillnessescanhappenwhenyouleastexpectthem andtheycanbecostly Evengoodmedicalplanscanleave youwithbigexpenses Plandeductibles,co-paysandcostsforout-of-networkcarecanaddupfast Criticalillness insurancemayhelpprotectyourfinancesbyprovidingyouwithonelump-sumpayment(whenthereisaverified diagnosisofacoveredcondition) Thecashcanhelpyoufocusongettingbackontrack Bestofall,thepaymentis madedirectlytoyou,regardlessofanyotherinsuranceyoumayhave It’syourstospendhoweveryouneed,including foryouroryourfamily’severydaylivingexpenses



OuremployeeassistanceprogramisadministeredbyComPsych Your ComPsych®GuidanceResources®programofferssomeonetotalktoand resourcestoconsultwheneverandwhereveryouneedthem
EAPisabenefitthatisnocosttotheemployee
EAPoffersavarietyofservicestoincludelegal assistanceandfinancialplanningassistancein additiontotakingcareofyouremotionalhealth.
Call: 833 475 0996
TTY: 800 697 0353
Online: guidanceresources com App: GuidanceNow™ Web ID: NEISD
Formoredetailedinformationvisitourwebsite: https://wwwneisdnet/Departments/Employee-Benefits/BenefitOptions/Employee-Assistance-Program/indexhtml




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




AsanNEISDemployeeyouarecontributingtoTRSretirement, however,wedonotcontributetosocialsecurity Inordertoretire comfortably,itisimportanttohaveadditionalretirementfunds setaside.
NEISDoffersthreesupplementalretirementplans:
403(b)
457(b)
457(b)Roth
The403(b)and457(b)arefundedwithyourpre-taxdollarsand the457(b)Rothisfundedwithyourafter-taxdollarsOurretirementplansare administeredbyNationalBenefitServices(NBS)andEmpowerRetirement.


Formoredetailedinformation,visitourwebsite:wwwneisdnet/Departments/Employee-B Options/District-Retirement-Accounts/
Forthecalendaryear2026,thecontributionlimitsareasfollows:
Employeesundertheageof50
Employeesaged50andover

Wecurrentlydonothavethenew2026 limitsfromtheIRS
Wecurrentlydonothavethenew2026 limitsfromtheIRS
Youcanenrollandmakechangestoyourcontributionsatanytimeduringtheyear. NoneedtowaitforOpenEnrollmentoralifeevent





Thefollowingmandatorynoticesareincludedinthismanual. MedicarePartDLetter


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:
1 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.
2.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.
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.

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
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
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
CONTINUATION
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.


Payroll Deductions/Premiums
Medical ID Cards and Claims Assistance
HSA Bank Card Client Assistance Center
Dental ID Cards and Claims
Assistance Vision ID Cards and Claims Assistance
Contact
Andy McClung
Silvia De La Garza
Martha Lozano
E-mail / Website jmcclu7@neisd.net sdelag2@neisd net

Eligibility,coverage,claimforms, andProcessing
Andy McClung Main
Contact
mlozan1@neisd.net mvasqu8@neisd net
mlozan1@neisd net mvasqu8@neisd.net
www.bcbstx.com
www.hsabank.com
www deltadentalins com/neisd E-mail/Website jmcclu7@neisdnet sdelag2@neisdnet

Andy McClung





Action
Contact

E-mail / Website
457(b)/457(b) Roth
General Information and Assistance
403(b) Action
National Benefit Services Francy Leal
Empower Retirement Francy Leal
Anabel Nieto Francy Leal
www 403benefits com fleal@neisd net
www empowermy retirement com anieto1@neisd.net fleal@neisd net

Address Changes
Death Claim Assistance
LeaveofAbsenceRequests
BenefitQuestionswhileon LeaveofAbsence
COBRA/PremiumPayments
BeneficiaryChangesforDistrict ProvidedLifeInsuranceand GroupTermLifeinsurance
LongTermCare
ADA Accommodation Requests
Name Changes Title
David Gracia, CSRM
Jason Saul
Francy Leal, MBA, PHR, RTSBA
Michele Vasquez
Martha Lozano
Andy McClung
Silvia De La Garza
Anabel Nieto
Human Resources
Andy McClung SilviaDeLaGarza
MicheleMatheny
EmilyAragon
MarthaLozano
MicheleVasquez
MarthaLozano
MicheleVasquez
Genworth
Kirsten Carranco, ADA Coordinator
SeniorDirectorofRisk
Management&EmployeeBenefits
DirectorofRiskManagement
DirectorofEmployeeBenefits
EmployeeBenefitsTechnician
EmployeeBenefitsTechnician
EmployeeBenefitsTechnician
EmployeeBenefitsTechnician
Wellness/RetirementPrograms Specialist
“Manage My Profile” section in Employee Center
“ManageMyBenefits” sectioninEmployee Center
accommodations@ neisd.net
dgraci@neisd net jsaul@neisd net fleal@neisd net mvasqu8@neisd net mlozan1@neisd.net jmcclu7@neisd net sdelag2@neisd net anieto1@neisd.net jmcclu7@neisdnet sdelag2@neisdnet mmathe@neisd.net earago@neisd.net mlozan1@neisdnet mvasqu8@neisdnet mlozan1@neisdnet mvasqu8@neisd.net




