Hays CISD Benefits is pleased to provide you with the informa�on you’ll need to enroll in benefits . This comprehensive enrollment guide will make it easier for you to learn about your benefit plan op�ons, decide on the levels of coverage that are best for you and your family, and compare costs before comple�ng your online enrollment.
Providing great benefit choices to you and your family is just one of the many ways Hays CISD looks a�er the health and financial welfare of the people who make our district work so well. Our goal at Hays CISD is to provide you with an array of benefit op�ons that will meet your personal needs as part of your total compensa�on and rewards.
For enrollment assistance, contact the Benefit Call Center at (512) 943-6046 M-F 8am-5pm CST or enroll online at: www.mybenefitshub.com/hayscisd
USERNAME: The first 6 le�ers of your last name, followed by the first le�er of your first name, and then the last 4 digits of your SSN. (If your name is Robert Smith and your SSN is 123-45-6789, your username is smithr6789.)
PASSWORD: Complete last name (excluding any special characters) followed by the last 4 digits of your SSN. (Ex: smith6789)
You are eligible to enroll in the HCISD Benefits Program if you are a regular employee working at least 20 hours per week in a permanent posi�on. All active Substitute and Non-Standard Hourly (NSHE) employees who work at least 4 days per month are also eligible for medical coverage (with no employer contribution). Supplemental plans: Healthcare2U, MASA, and Pet Insurance; are also available through a direct pay option.
Children under the age of 26, yours OR your spouse’s Dependent children of any age who are disabled
Children under your legal guardianship
Employees will be eligible for benefits on the first day of the month following the date of hire.
The benefits you choose will remain in effect throughout the plan year (from September 1 - August 31). You may only add or cancel coverage during the year if you have a qualifying change in the family or employment status that causes you to gain or lose eligibility for benefits. Qualifying changes may include:
•
A change in your legal marital status
•
A change in your number of dependents as a result of birth, adop�on, legal custody, or if your dependent child sa�sfies or ceases to sa�sfy eligibility requirements for coverage, or the death of a dependent child or spouse
• A change in employment status for you or your spouse
•
Loss or gain of eligibility for other insurance (including CHIP & Medicaid)
When adding dependents mid-year, suppor�ng documents are required to prove dependency. For a spouse, we require a copy of the marriage cer�ficate. For a child, we require a copy of the birth cer�ficate.
You must no�fy InsuranceBenefits@hayscisd.net of the requested change within 31 calendar days of the change in status. There are no excep�ons to this rule.
Enrolled par�cipants will receive Medical, Prescrip�on, Dental, Vision, HSA and FSA cards prior to the effec�ve date of the new coverage. For most plans, you can login to the carrier website and print a temporary ID card or give your provider the insurance company’s phone number to call and verify your coverage if you do not have an ID card at the �me of service.
You can contact the Benefit Call Center (beginning July 18th): Toll Free: (512) 943-6046
Hours of Operation:
M-F 8am-5pm CST
You may also contact your Hays CISD Employee Services Dept. at (512) 268-8496 or e-mail InsuranceBenefits@hayscisd.net.
Employees regularly scheduled to work 20 or more hours each work week are eligible to participate in all benefit plans on the first day of the month following date of hire. Eligible dependents include your legal spouse and dependent children up to age 26, unless disabled. You must be actively at work on the plan effective date for new benefits to be effective. This means you are physically capable of performing the functions of your job on the day your benefits would become effective.
July 18th - August 12th
If you do not complete your enrollment during your designated window, you will not be able to enroll or make changes unless you experience a qualifying event, or un�l the next open enrollment period.
For complete plan informa�on, including how to find a par�cipa�ng provider, how to obtain ID cards, and claim forms, visit www.mybenefitshub.com/hayscisd
For ques�ons, you can contact Hays CISD Employee Services Department at (512) 268-8496 or email InsuranceBenefits@hayscisd.net.
To access your employer online enrollment site, THEbenefitsHUB, login to WWW.MYBENEFITSHUB.COM/HAYSCISD
The first six (6) characters of your last name, followed by the first le�er of your first name, followed by the last four (4) digits of your SSN.
If your name is Robert Smith & your ssn is 123-45-6789, your username is smithr6789.
DEFAULT Complete last name (excluding special characters) followed by the last four (4) digits of your SSN. Using the informa�on above, your password is smith6789.
PASSWORD RESET Employees will be prompted to update password once registered.
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FINANCIAL
PAGE 54
*Rates above are EXAMPLES. See page 34 for additional rates.
LOCAL HEALTH CARE. TEXAS-SIZED BENEFITS. TRS-ActiveCare Plan Highlights 2022-23
From the North Texas plains to the Gulf Coast, TRS-ActiveCare is where you live and work. We have more Texas doctors than any other plan and more ways to make your health plan yours.
Learn the terms.
• Premium: The monthly amount you pay for health care coverage.
• Deductible: The annual amount for medical expenses you’re responsible to pay before your plan begins to pay its portion.
• Copay: The set amount you pay for a covered service at the time you receive it. The amount can vary by the type of service.
• Coinsurance: The portion you’re required to pay for services after you meet your deductible. It’s often a specified percentage of the costs; i.e. you pay 20% while the health care plan pays 80%.
• Out-of-Pocket Maximum: The maximum amount you pay each year for medical costs. After reaching the out-of-pocket maximum, the plan pays 100% of allowable charges for covered services.
Log into Blue Access for MembersSM at www.bcbstx.com/trsactivecare to use the cost estimator tool. This will help you find the best prices through different providers.
*Pre-certification for genetic and specialty testing may apply. Contact a Personal Health Guide at 1-866-355-5999 with questions.
www.trs.texas.gov
TRS also contracts with HMOs in certain regions of the state to bring participants in those areas additional options. Not all HMOs are available in all regions. Please verify your eligibility.
You can choose this plan if you live in one of these counties: Austin, Bastrop, Bell, Blanco, Bosque, Brazos, Burleson, Burnet, Caldwell, Collin, Coryell, Dallas, Denton, Ellis, Erath, Falls, Freestone, Grimes, Hamilton, Hays, Hill, Hood, Houston, Johnson, Lampasas, Lee, Leon, Limestone, Madison, McLennan, Milam, Mills, Navarro, Robertson, Rockwall, Somervell, Tarrant, Travis, Walker, Waller, Washington, Williamson
You can choose this plan if you live in one of these counties: Cameron, Hildalgo, Starr, Willacy
You can choose this plan if you live in one of these counties: Andrews, Armstrong, Bailey, Borden, Brewster, Briscoe, Callahan, Carson, Castro, Childress, Cochran, Coke, Coleman, Collingsworth, Comanche, Concho, Cottle, Crane, Crockett, Crosby, Dallam, Dawson, Deaf Smith, Dickens, Donley, Eastland, Ector, Fisher, Floyd, Gaines, Garza, Glasscock, Gray, Hale, Hall, Hansford, Hartley, Haskell, Hemphill, Hockley, Howard, Hutchinson, Irion, Jones, Kent, Kimble, King, Knox, Lamb, Lipscomb, Llano, Loving, Lubbock, Lynn, Martin, Mason, McCulloch, Menard, Midland, Mitchell, Moore, Motley, Nolan, Ochiltree, Oldham, Parmer, Pecos, Potter, Randall, Reagan, Reeves, Roberts, Runnels, San Saba, Schleicher, Scurry, Shackelford, Sherman, Stephens, Sterling, Stonewall, Sutton, Swisher, Taylor, Terry, Throckmorton, Tom Green, Upton, Ward, Wheeler, Winkler, Yoakum
We will con�nue to offer two types of plans that are designed to help with certain medical expenses and protect your income and assets. While Medical GAP does not replace health insurance, it can help with out-of-pocket costs associated with expenses incurred in inpa�ent and outpa�ent se�ngs. If you are enrolled in the TRS-Ac�veCare Primary, TRS-ActiveCare HD, TRS-ActiveCare Primary+, or the TRS-Ac�veCare 2 plan, you are eligible to enroll for either plan; however, if you are contribu�ng to a Health Savings Account, you are only eligible to enroll in the Limited Medical GAP Plan.
Plan Features
Guarantee Issue
Dependent Coverage
Reimburse eligible out-of-pocket expenses incurred during inpa�ent hospitaliza�on, up to an annual benefit max.
-of-pocket
Reimburse eligible out-of-pocket expenses performed in these se�ngs, up to an annual benefit max.
You are eligible for this coverage (regardless of your health status), and you do not have to answer any coverage.
medical ques�ons to qualify for
You may also opt for coverage for your spouse or child(ren) as long as they par�cipate in your employer’s underlying major medical plan
Your family maximum will be two �mes the individual benefits amounts above
If you had knee surgery at an outpa�ent surgery center, the plan would cover some out-of-pocket expenses (deduc�bles, co-pays and co-insurance):
If you (or your spouse/child) are hospitalized, your plan would cover eligible out-of-pocket expenses (deduc�bles/co-pays/ co-insurance) incured during your stay:
Administered by Beazley
If you are enrolled in the TRS-ActiveCare HD plan AND are contribu�ng to a Health Savings Account, the Limited Medical GAP Plan is the plan for you.
Hospital Confinement
For confinement and treatment in a hospital due to sickness or injury
(i.e., not less than a day)
Hospital Admission * Lump sum benefit for a hospital admission, due to sickness or injury *Admission benefit for birth of a child covers the mother only (The hospital confinement benefit covers mother and child in the rou-
$500 per insured, per day 15 days per insured, per year
$1,000 per insured, per admission
1 admission per insured, per year
The plan provides benefit amounts that will be paid if you are in the hospital. If you are admi�ed and confined to the hospital, you will receive a benefit payment to help cover the cost of the hospitaliza�on.
Let’s say you were hospitalized for three days with pneumonia. You’d receive a lump-sum benefit of $1,000 for the hospital admission, as well as daily amount of $500 per day of confinement, for a total of $2,500 for the hospitaliza�on.
Or, perhaps your spouse spent 2 days in the hospital for the birth of your child. Again, the plan would pay a $1,000 lump sum for the admission, plus $500 per day for the hospital confinement, for a total of $2,000.
DentalConnect® PPO
Plan:
• Covers many preven�ve, basic, and major dental care services
• Also covers orthodon�c treatment for children and adults
• Features group coverage for Hays Consolidated ISD employees
• Allows you to choose any den�st you wish, though you can lower your out-of-pocket costs by selec�ng a contrac�ng den�st
• Does not make you and your loved ones wait six months between rou�ne cleanings
Calendar (Annual)
Deduc�ble
Individual: $50 Family: $150
Waived for: Preven�ve
Individual: $50
Family: $150
Waived for: Preven�ve
Deduc�bles are combined for basic and major Contrac�ng Den�sts’ services. Deduc�bles are combined for basic and major Non-Contrac�ng
Den�sts’ services.
Annual Maximum $1,500 $1,500
Annual Maximums are combined for preven�ve, basic, and major services.
Life�me
Orthodon�c Max $1,500 $1,500
Orthodontic Coverage is available for dependent children and adults.
Wai�ng Period There are no benefit wai�ng periods for any service types
Visit LincolnFinancial.com/FindADen�st
You can search by:
●Loca�on
●Den�st name or office name
●Distance you are willing to travel
●Specialty, language and more
Your search will automa�cally provide up to 100 den�sts that most closely match your criteria. If your search does not locate the den�st you prefer, you can nominate one—just click the Nominate a Den�st link and complete the online form.
Heads Up! This is the only plan that o ers orthodontic coverage.
Preven�ve Services
Rou�ne oral exams
Bitewing X-rays
Full-mouth or panoramic X -rays
Other dental X-rays (including periapical films)
Rou�ne cleanings
Fluoride treatments
Sealants
Problem focu sed exams
Basic Services
Space maintainers for childr en
Pallia�ve treatment (including emergency relief of dental pain)
Injec�ons of an�bio�cs and other therapeu�c medica�ons
Fillings
Simple extrac�ons
Biopsy and examina�on of oral �ssue (including brush biopsy)
Labs & other tests
Major Services Contrac�ng Den�sts
�ng Den�sts Consulta�ons
Prefabricated stainless steel and resin crowns
Surgical extrac�ons
Oral surgery
General anesthesia and I.V. seda�on
Prosthe�c repair and recementa�on services
Endodon�cs (including root canal treatment)
Periodontal maintenance pro cedures
Non-surgical periodontal therapy
Periodontal surgery
Bridges
Full and par�al dentures
Denture reline and rebase services
Crowns, inlays, onlays and related services
Implants & implant related services
Occlusal adjustments
Orthodon�cs
Orthodon�c exams
X-rays Extrac�ons
Study models
Appliances
To find a contrac�ng den�st near you, visit www.LincolnFinancial.com/FindADen�st .
This plan lets you choose any den�st you wish. However, your out-of-pocket co sts are likely to be lower wh en you choose a contrac�ng den�st . For exa mple, if you need a crown…
TX
…you pay a deduc�ble (if applicable), then 50% of the remaining discounted fee for PPO members. This is known as a PPO contracted fee
… you pay a deduc�ble (if applicable), then 50% of the maximum allowable charge (MAC) which is the maximum expense covered by the plan. You are responsible for the difference between the maximum allowable charge and the den�st’s billed charge
Contrac�ng Den�sts/Non-Contrac�ng Den�sts Contrac�ng Den�sts Non-Contrac�ng Den�sts• Find a network den�st near you in minutes
• Have an ID card on your phone
• Customize the app to get details of your plan
• Find out how much your plan covers for checkups and other services
• Keep track of your claims
• Determine the average cost of a dental procedure
• Have your ques�ons answered by a licensed den�st
• Learn all about dental health for children, from baby’s first tooth to dental emergencies
• Evaluate your risk for oral cancer, periodontal disease and tooth decay
When you choose coverage for yourself, you can also provide coverage for:
• Your spouse.
• Dependent children, up to age 26.
Like any coverage, this dental coverage does have some exclusions.
• The plan does not cover services started before coverage begins or a�er it ends. Benefits are limited to appropriate and necessary procedures listed in the summary plan descrip�on. Benefits are not payable for duplica�on of services. Covered expenses will not exceed the summary plan descrip�on’s allowances.
• Plan benefits are not payable for a condi�on that is covered under Workers’ Compensa�on or a similar law; that occurs during the course of employment or military service or involvement in an illegal occupa�on, felony, or riot; or that results from a self -inflicted injury.
• The plan does not cover an orthodon�a treatment plan started before coverage begins unless the member was receiving orthodon�a benefits from the employer’s previous group dental summary plan descrip�on In this case, Lincoln Financial will con�nue orthodon�a benefits un�l the combined benefit paid by both policies is equal to this summary plan descrip�on’s life�me orthodon�a maximum.
• In certain situa�ons, there may be more than one method of trea�ng a dental condi�on. This summary plan descrip�on includes an alterna�ve benefits provision that may reduce benefits to the lowestcost, generally effec�ve, and necessary form of treatment.
• Certain condi�ons, such as age and frequency limita�ons, may impact your coverage. See the summary plan descrip�on for details.
• This plan includes con�nua�on of coverage for employees with dental coverage from a previous employer. The member is required to complete the Con�nuity of Coverage form located on www.lfg.com. The form must be provided to us prior to the effec�ve date to be eligible for con�nua�on of coverage.
A complete list of benefit exclusions is included in the summary plan descrip�on.
This is not intended as a complete descrip�on of the coverage off ered. Controlling provisions are provided in the summary plan descrip�on, and this summary does not modify coverage. A summary plan descrip�on will be made available to you that describes the benefits in greater detail. Refer to your summary plan descrip�on for your maximum benefit amounts
Lincoln DentalConnect® health center Web content is provided by go2dental.com, Santa Clara, CA. Go2dental.com is not a Lincoln Financial Group® compa ny. Coverage is subject to actual summary plan descrip�on language Each independent company is solely responsible for its own obliga�ons.
The Lincoln Na�onal Life Insurance Company (Fort Wayne, IN), does not conduct business in New York, nor is it licensed to do so. In New York, business is conducted by Lincoln Life & Annuity Company of New York (Syracuse NY). Both are Lincoln Financial Group Companies
Here’s how li�le you pay with group rates.
As a Hays Consolidated ISD employee, you can take advantage of this dental coverage for less than $1.12 a day. Plus, you can add loved ones to the plan for just a li�le more.
Your es�mated cost is itemized below.
The Lincoln Na�onal Life Insurance Company
Please see prior page for product informa�on
DTL-ENRO-BRC001-TX
Dental Coverage | Rate Calcula�on | Low Op�on
The Lincoln
DentalConnect® PPO
Plan:
• Covers many preven�ve, basic, and major dental care services
• Features group coverage for Hays Consolidated ISD employees
• Allows you to choose any den�st you wish, though you can lower your out-of-pocket costs by selec�ng a contrac�ng den�st
• Does not make you and your loved ones wait six months between rou�ne cleanings
Calendar (Annual)
Deduc�ble
Contrac�ng Den�sts Non-Contrac�ng Den�sts
Individual: $50
Family: $150
Waived for: Preven�ve
Individual: $50
Family: $150
Waived for: Preven�ve
Deduc�bles are combined for basic and major Contrac�ng Den�sts’ services. Deduc�bles are combined for basic and major Non-Contrac�ng
Den�sts’ services.
Annual Maximum $1,500 $1,500
Annual Maximums are combined for preven�ve, basic, and major services.
Wai�ng Period There are no benefit wai�ng periods for any service types
Visit LincolnFinancial.com/FindADen�st
You can search by:
●Loca�on
●Den�st name or office name
●Distance you are willing to travel
●Specialty, language and more
Your search will automa�cally provide up to 100 den�sts that most closely match your criteria. If your search does not locate the den�st you prefer, you can nominate one—just click the Nominate a Den�st link and complete the online form.
Preven�ve Services
Rou�ne oral exams
Bitewing X-rays
Full-mouth or panoramic X -rays
Other dental X-rays (including periapical films)
Rou�ne cleanings
Fluoride treatments
Sealants
Problem focu sed exams
Contrac�ng Den�sts Non-Contrac�ng Den�sts
Basic Services Contrac�ng Den�sts Non-Contrac�ng Den�sts
Space maintainers for childr en
Pallia�ve treatment (including emergency relief of dental pain)
Injec�ons of an�bio�cs and other ther apeu�c medica�ons
Fillings
Simple extrac�ons
Biopsy and examina�on of oral �ssue (including brush biopsy)
Labs & other tests
A�er Deduc�ble
Major Services Contrac�ng Den�sts Non-Contrac�ng Den�sts
Consulta�ons
Prefabricated stainless steel and resin crowns
Surgical extrac�ons
Oral surgery
General anesthesia and I.V. seda�on
Prosthe�c repair and recementa�on services
Endodon�cs (including root canal treatment)
Periodontal maintenance pro cedures
Non-surgical periodontal therapy
Periodontal surgery
Bridges
Full and par�al dentures
Denture reline and rebase services
Crowns, inlays, onlays and related services
Implants & implant related services
Occlusal adjustments
Contrac�ng Den�sts/Non-Contrac�ng Den�sts
To find a contrac�ng den�st near you, visit www.LincolnFinancial.com/FindADen�st .
This plan lets you choose any den�st you wish. However, your out-of-pocket co sts are likely to be lower wh en you choose a contrac�ng den�st . For exa mple, if you need a crown…
50% A�er Deduc�ble
50% A�er Deduc�ble
…you pay a deduc�ble (if applicable), then 50% of the remaining discounted fee for PPO members This is known as a PPO contracted fee
… you pay a deduc�ble (if applicable), then 50% of the usual and customary fee, which is the maximum expense covered by the plan You are responsible for the difference between the usual and customary fee and the den�st’s billed charge.
• Find a network den�st near you in minutes
• Have an ID card on your phone
• Customize the app to get details of your plan
• Find out how much your plan covers for checkups and other services
• Keep track of your claims
• Determine the average cost of a dental procedure
• Have your ques�ons answered by a licensed den�st
• Learn all about dental health for children, from baby’s first tooth to dental emergencies
• Evaluate your risk for oral cancer, periodontal disease and tooth decay
When you choose coverage for yourself, you can also provide coverage for:
• Your spouse.
• Dependent children, up to age 26.
Like any coverage, this dental coverage does have some exclusions.
• The plan does not cover services started before coverage begins or a�er it ends. Benefits are limited to appropriate and necessary procedures listed in the summary plan descrip�on. Benefits are not payable for duplica�on of services. Covered expenses will not exceed the summary plan descrip�on’s usual and customary allowances.
• Plan benefits are not payable for a condi�on that is covered under Workers’ Compensa�on or a similar law; that occurs during the course of employment or military service or involvement in an illegal occupa�on, felony, or riot; or that results from a self -inflicted injury.
• In certain situa�ons, there may be more than one method of trea�ng a dental condi�on. This summary plan descrip�on includes an alterna�ve benefits provision that may reduce benefits to the lowestcost, generally effec�ve, and necessary form of treatment.
• Certain condi�ons, such as age and frequency limita�ons, may impact your coverage. See the summary plan descrip�on for details.
• This plan includes con�nua�on of coverage for employees with dental coverage from a previous employer. The member is required to complete the Con�nuity of Coverage form located on www.lfg.com. The form must be provided to us prior to the effec�ve date to be eligible for con�nua�on of coverage.
A complete list of benefit exclusions is included in the summary plan descrip�on
This is not intended as a complete descrip�on of the coverage off ered. Controlling provisions are provided in the summary plan descrip�on, and this summary does not modify coverage. A summary plan descrip�on will be made available to you that describes the benefits in greater detail. Refer to your summary plan descrip�on for your maximum benefit amounts
Lincoln DentalConnect® health center Web content is provided by go2dental.com, Santa Cl ara, CA. Go2dental.com is not a Lincoln Financial Group® company. Coverage is subject to actual summary plan descrip�on language Each independent company is solely responsible for its own obliga�ons.
The Lincoln Na�onal Life Insurance Company (Fort Wayne, IN), does not conduct business in New York, nor is it licensed to do so. In New York, business is conducted by Lincoln Life & Annuity Company of New York (Syracuse NY). Both are Lincoln Financial Group Companies.
Here’s how li�le you pay with group rates.
As a Hays Consolidated ISD employee, you can take advantage of this dental coverage for less than $1.33 a day. Plus, you can add loved ones to the plan for just a li�le more.
Your es�mated cost is itemized below.
The Lincoln Na�onal Life Insurance Company
Please see prior page for product informa�on
DTL-ENRO-BRC001-TX
Dental Coverage | Rate Calcula�on | High Op�on
• Covers most preven�ve and diagnos�c care services at no charge
• Also covers a wide variety of specialty services - lowering your out-of-pocket costs with no deduc�bles or maximums
• Features group rates for Hays Consolidated ISD employees
• Lets you choose a par�cipa�ng den�st from a regional network
• Saves you �me and hassle with no wai�ng periods and no claim forms
Trips to the den�st are a li�le less scary when you know how much you’ll pay ahead of �me. And easier, too, with no claim forms or deduc�bles. Here’s how this important coverage works.
• You choose your primary-care den�st when you enroll. To find a par�cipa�ng den�st, visit h�p://ldc.lfg.com and select Find a Den�st. (You can also print your dental ID card from this site once your coverage begins.)
• This dental plan offers a detailed list of covered procedures, each with a dollar copayment (see the Summary of Benefits for details). You pay for services provided during your visit.
• Emergency care away from home is covered up to a set dollar limit.
• You can change your primary-care den�st at any �me by calling the customer service number listed on your dental ID card.
Log on to The Benefits Hub for a complete Summary of Benefits.
As a Hays Consolidated ISD employee, you can take advantage of this dental insurance plan for less than $0.35 a day. Plus, you can add loved ones to the plan for just a li�le more.
Coverage
Monthly Premium
Employee only $10.53
Employee & spouse $20.53
Employee & child/children $22.22
Employee & family $32.11
SEE HEALTHY AND LIVE HAPPY WITH HELP FROM HAYS CISD AND VSP.
Enroll in VSP®Vision Care to get personalized care from a VSP network doctor at low out-of-pocket costs.
VALUE AND SAVINGS YOU LOVE.
Save on eyewear and eye care when you see a VSP network doctor. Plus, take advantage of Exclusive Member Extras for additional savings.
PROVIDER CHOICES YOU WANT.
It’s easy to find a nearby in-network doctor. Maximize your coverage with bonus offers and savings that are exclusive to Premier Program locations—including thousands of private practice doctors and over 700 Visionworks retail locations nationwide.
QUALITY VISION CARE YOU NEED.
You’ll get great care from a VSP network doctor, including a WellVision Exam®—a comprehensive exam designed to detect eye and health conditions.
EXTRA SAVINGS! 20% savings on additional glasses and sunglasses.
USING YOUR BENEFIT IS EASY!
Create an account on vsp.com to view your in-network coverage, find the VSP network doctor who’s right for you, and discover savings with exclusive member extras. At your appointment, just tell them you have VSP.
YOUR VSP VISION BENEFITS SUMMARY HAYS CISD and VSP provide you with an affordable vision plan.
PROVIDER NETWORK: VSP Choice
FRAME
LENSES
LENS ENHANCEMENTS
CONTACTS (INSTEAD OF GLASSES)
DIABETIC EYECARE PLUS PROGRAM
$150 allowance for a wide selection of frames
$170 allowance for featured frame brands
20% savings on the amount over your allowance
$80 Costco®and Walmart frame allowance
Single vision, lined bifocal, and lined trifocal lenses
Impact-resistant lenses for dependent children
Standard progressive lenses
Premium progressive lenses
Custom progressive lenses
Average savings of 20-25% on other lens enhancements Every calendar year Up
$150 allowance for contacts; copay does not apply Contact lens exam (fitting and evaluation) As
Services related to diabetic eye disease, glaucoma and age-related macular degeneration (AMD). Retinal screening for eligible members with diabetes. Limitations and coordination with medical coverage may apply. Ask your VSP doctor for details.
Glasses and Sunglasses
Extra $20 to spend on featured frame brands. Go to vsp.com/offers for details.
20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam.
EXTRA SAVINGS
Retinal Screening
No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam
Laser Vision Correction
Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities
YOUR MONTHLY CONTRIBUTION
$9.30 Member Only $18.58 Member + Spouse $19.90 Member + Child(ren) $31.78 Member + Family
YOUR COVERAGE WITH OUT-OF-NETWORK PROVIDERS
Get the most out of your benefits and greater savings with a VSP network doctor. Call Member Services for out-of-network plan details. Coverage with a retail chain may be different or not apply. Log in to vsp.com to check your benefits for eligibility and to confirm in-network locations based on your plan type. VSP guarantees coverage from VSP network providers only. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business.
Log in to vsp.com to find an in-network provider based on your plan type.
*Only available to VSP members with applicable plan benefits. Frame brands and promotions are subject to change. Savings based on doctor’s retail price and vary by plan and purchase selection; average savings determined after benefits are applied. Ask your VSP network doctor for more details.
©2020 Vision Service Plan. All rights reserved.
VSP, VSP Vision Care for life, Eyeconic, and WellVision Exam are registered trademarks, VSP Diabetic Eyecare Plus Program is servicemark of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands or marks are the property of their respective owners.
• Provides a cash benefit to your loved ones in the event of your death
• Provides an addi�onal cash benefit to your loved ones if you die — or to you if you lose a limb or your eyesight — in a covered accident
• Features group rates for Hays CISD employees
• Includes LifeKeys® services, which provide access to counseling, financial, and legal support services
• Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home
*NEW FOR 2022* Hays CISD now pays for a $10,000 life policy for all benefit eligible employees!
Employee
Newly hired employee guaranteed coverage amount $200,000
Con�nuing employee guaranteed coverage annual increase amount
Maximum coverage amount
Choice of $10,000 or $20,000
7 �mes your annual salary ($500,000 maximum in increments of $10,000)
Minimum coverage amount $10,000
AD&D coverage amount
Spouse
Equal to the life insurance amount chosen
Newly hired employee guaranteed coverage amount $50,000
Con�nuing employee guaranteed coverage annual increase amount
Maximum coverage amount
Choice of $5,000 or $10,000
50% of the employee coverage amount ($250,000 maximum in increments of $5,000)
Minimum coverage amount $5,000
AD&D coverage amount
Dependent Children
Equal to the life insurance amount chosen
15 days to age 26 guaranteed coverage amount $15,000
Age 1 day to 14 days guaranteed coverage amount $500
Employee Coverage
Guaranteed Life and AD&D Insurance Coverage Amount
• Ini�al Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $200,000 without providing evidence of insurability.
• Annual Limited Enrollment: If you are a con�nuing employee, you can elect up to $100,000 in coverage without providing evidence of insurability If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.
• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.
• You can increase this amount by up to $20,000 during the next limited open enrollment period.
Maximum Life Insurance Coverage Amount
• You can choose a coverage amount up to 7 �mes your annual salary ($500,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details.
Spouse Coverage - You can secure term life and AD&D insurance for your spouse if you select coverage for yourself.
Guaranteed Life and AD&D Insurance Coverage Amount
• Ini�al Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 50% of your coverage amount ($50,000 maximum) for your spouse without providing evidence of insurability.
• Annual Limited Enrollment: If you are a con�nuing employee, you can elect up to $25,000 of coverage on your spouse without providing evidence of insurability. If you submi�ed evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability.
• If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense.
• You can increase this amount by up to $10,000 during the next limited open enrollment period.
Maximum Life Insurance Coverage Amount
You can choose a coverage amount up to 50% of your coverage amount ($250,000 maximum) for your spouse with evidence of insurability.
Dependent Children Coverage - You can secure term life insurance for your dependent children when you choose coverage for yourself.
Guaranteed Life Insurance Coverage Op�ons: $15,000 (This benefit does not include AD&D.)
Like any insurance, this term life and AD&D insurance policy does have exclusions. For life insurance, a suicide exclusion may apply.
For AD&D, benefits will not be paid if death results from suicide, or death/dismemberment occurs while:
• Inflic�ng or a�emp�ng to inflict injury to one’s self
• Par�cipa�ng in a riot or as a result of war or act of war
• Serving as a member of the military, including the Reserves and Na�onal Guard
• Commi�ng or a�emp�ng to commit a felony
• Deliberately inhaling gas (such as carbon monoxide) or using drugs other than those prescribed by a physician and administered as prescribed
• Flying in a non-commercial airplane or aircra�, such as a balloon or glider
• Driving while intoxicated (with a blood alcohol level of .08 grams or more per 100 milliliters of blood)
In addi�on, the AD&D insurance policy does not cover sickness or disease, including the medical and surgical treatment of a disease.
A complete list of benefit exclusions is included in the policy. State varia�ons apply.
This is not intended as a complete descrip�on of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A cer�ficate of coverage will be made available to you that describes the benefits in greater detail. Refer to your cer�ficate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will govern.
LifeKeys® services are p rovided by ComPsych® Corpora�on, Chicago, IL. TravelConnect® travel assistance services are provided by On Call Interna�onal, Salem NH. On Call Interna�onal must coordinate and provide all arrangements in order for eligible services to be covered. ComPsych® and On Call Interna�onal are not Lincoln Financial Group companies and Lincoln Financial Group does not administer these Services Each independent company is solely responsible for its own obliga�ons. Coverage is subject to contract language that contains specific terms, condi�ons, and limita�ons.
Insurance products (policy series GL1101) are issued by The Lincoln Na�onal Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limita�ons and exclusions apply.
Monthly Voluntary Life and AD&D Insurance Premium
Here’s how li�le you pay with group rates.
Premiums for Select Life & AD&D
One affordable monthly premium covers all of your eligible dependent children.
Note: You must be an ac�ve Hays CISD employee AND have elected coverage for yourself in order to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse or dependent child cannot be confined to a health care facility or unable to perform the typical ac�vi�es of a healthy person of the same age and gender.
The Lincoln Na�onal Life Insurance Company
Please see prior page for product informa�on.
LFE-ENRO-BRC001-TX
Voluntary Life and AD&D Insurance At-A-Glance
Benefit Highlights for:
What is Long-Term Disability Insurance?
Long-Term Disability Insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. You have the opportunity to purchase Long-Term Disability Insurance through your employer.
This highlight sheet is an overview of your Long-Term Disability Insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail.
Why do I need Long-Term Disability Coverage?
Most accidents and injuries that keep people off the job happen outside the workplace and therefore are not covered by worker’s compensation. When you consider that nearly three in 10 workers entering the workforce today will become disabled before retiring 1, it’s protection you won’t want to be without.
1 Social Security Administration, Fact Sheet 2009.
What is disability? Disability is defined in The Hartford’s* contract with your employer. Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy or other medical condition covered by the insurance, and as a result, your current monthly earnings are 80% or less of your pre-disability earnings.
Once you have been disabled for 24 months, you must be prevented from performing one or more of the essential duties of any occupation and as a result, your current monthly earnings are 66 2/3% or less of your pre-disability earnings.
Am I eligible? You are eligible if you are an active employee who works at least 20hours per week on a regularly scheduled basis.
How much coverage would I have?
You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and $8,000 that cannot exceed 66 2/3% of your current monthly earnings. Your plan includes a minimum benefit of 10% of your elected benefit. Earnings are defined in The Hartford’s contract with your employer.
When can I enroll? If you choose not to elect coverage during your annual enrollment period, you will not be eligible to elect coverage until the next annual enrollment period without a qualifying change in family status.
When is it effective? Coverage goes into effect subject to the terms and conditions of the policy. You must satisfy the definition of Actively at Work with your employer on the day your coverage takes effect.
What is does “Actively at Work” mean? You must be at work with your Employer on your regularly scheduled workday On that day, you must be performing for wage or profit all of your regular duties in the usual way and for your usual number of hours If school is not in session due to normal vacation or school break(s), Actively at Work shall mean you are able to report for work with your Employer, performing all of the regular duties of Your Occupation in the usual way for your usual number of hours as if school was in session.
How long do I have to wait before I can receive my benefit?
You must be disabled for at least the number of days indicated by the elimination period that you select before you can receive a Long-Term Disability benefit payment.
For those employees electing an elimination period of 30 days or less, if your are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of disability.
What is an elimination period?
The elimination period that you select consists of two numbers. The first number shows the number of days you must be disabled by an accident before your benefits can begin. The second number indicates the number of days you must be disabled by a sickness before your benefits can begin.
I already have Disability coverage; do I have to do anything?
What other benefits are included in my disability coverage?
If you are not changing the amount of your coverage or your elimination period option, you do not have to do anything. If you want to purchase Long-Term Disability insurance for the first time or change your coverage, please be sure to complete the online enrollment, which indicates your election.
• Workplace Modification provides for reasonable modifications made to a workplace to accommodate your disability and allow you to return to active full-time employment
• Survivor Benefit - If you die while receiving disability benefits, a benefit will be paid to your spouse, or in equal shares to your surviving children under the age of 25, equal to three times the last monthly gross benefit.
• The Hartford's Ability Assist service is included as a part of your group Long Term Disability (LTD) insurance program. You have access to Ability Assist services both prior to a disability and after you’ve been approved for an LTD claim and are receiving LTD benefits. Once you are covered you are eligible for services to provide assistance with child/elder care, substance abuse, family relationships and more. In addition, LTD claimants and their immediate family members receive confidential services to assist them with the unique emotional, financial and legal issues that may result from a disability Ability Assist services are provided through ComPsych®, a leading provider of employee assistance and work/life services.
• Travel Assistance Program – Available 24/7, this program provides assistance to employees and their dependents who travel 100 miles f rom their home for 90 days or less Services include pre-trip information, emergency medical assistance and emergency personal services.
• Identity Theft Protection – An array of identity fraud support services to help victims restore their identity Benefits include 24/7 access to an 800 number; direct contact with a certified caseworker who follows the case until it’s resolved; and a personalized fraud resolution kit with instructions and resources for ID theft victims.
How long will my disability payments continue? Can the duration of my benefit be reduced?
How long will my disability benefits continue if I elect the Premium benefit option?
Benefit Duration is the maximum time for which we pay benefits for disability resulting from sickness or injury. Depending on the schedule selected and the age at which disability occurs, the maximum duration may vary. Please see the schedules below.
The table below applies to disabilities resulting from sickness or injury:
Exclusions: You cannot receive Disability benefit payments for disabilities that are caused or contributed to by:
War or act of war (declared or not)
Military service for any country engaged in war or other armed conflict
The commission of, or attempt to commit a felony
Work related disability
Mental Illness, Alcoholism and Substance Abuse:
An intentionally self-inflicted injury
Any case where your being engaged in an illegal occupation was a contributing cause to your disability
You must be under the regular care of a physician to receive benefits.
You can receive benefit payments for Long-Term Disabilities resulting from mental illness, alcoholism and substance abuse for a total of 24 months for all disability periods during your lifetime.
Any period of time that you are confined in a hospital or other facility licensed to provide medical care for mental illness, alcoholism and substance abuse does not count toward the 24 month lifetime limit.
Pre-existing Conditions: Your policy limits the benefits you can receive for a disability caused by a pre-existing condition. In general, if you were diagnosed or received care for a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: You have not received treatment for the disabling condition within 3 months, while insured under this policy, before the disability begins, or You have been insured under this policy for 12 months before your disability begins You may also be covered if you have already satisfied the pre-existing condition requirement of your previous insurer. If your disability is a result of a pre-existing condition we will pay benefits for a maximum of 4 weeks.
Your benefit payments may be reduced by other income you receive or are eligible to receive due to your disability, such as:
Social Security Disability Insurance or alternative plan (please see next section for exceptions)
Other employer-based Insurance coverage you may have
Unemployment benefits
Settlements or judgments for income loss
Retirement benefits that your employer fully or partially pays for (such as a pension plan.)
Your benefit payments will not be reduced by certain kinds of other income, such as:
Retirement benefits if you were already receiving them before you became disabled
The portion of your Long -Term Disability payment that you place in an IRS-approved account to fund your future retirement.
Your personal savings, investments, IRAs or Keoghs
Profit-sharing
Most personal disability policies
Social Security increases
This Benefit Highlights Sheet is an overview of the Long-Term Disability Insurance being offered and is provided for illustrative purposes only and is not a contract. It in no way changes or affects the policy as actually issued. Only the Insurance policy issued to the policyholder (your employer) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your Insurance coverage. In the event of any difference between the Benefit Highlights Sheet and the Insurance policy, the terms of the Insurance policy apply.
Underwritten by: Hartford Lifeand Accident Insurance Company 200 Hopmeadow Street Simsbury, CT 06089
See The Bene ts Hub for additional add-on bene ts in the LTD section.
You do everything you can to keep your family safe, but accidents do happen. It’s comfor�ng to know you have help to manage the medical costs associated with accidental injuries. Accident insurance provides you with addi�onal coverage to help cover medical expenses and living costs when you get hurt unexpectedly. In addi�on, Accident Insurance provides a health screening benefit per insured person per calendar year that is money paid back to you!
Kathy’s daughter, Molly, plays soccer on the varsity high school team. During a recent game, she collided with an opposing player, was knocked unconscious and taken to the local emergency room by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He ordered a CT scan to check for facial fractures too, since Molly’s face was very s wollen. Molly was released to her primary care physician for follow-up treatment, and her den�st repaired her broken tooth with a crown. Depending on her health insurance, Kathy’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deduc�bles. MetLife Group Accident Insurance payments can be used to help cover these unexpected costs.
Voluntary Cancer Insurance offered through Guardian® provides cash benefit payments upon diagnosis and treatment of qualified covered events. Once claims and suppor�ng documenta�on have been approved, benefits are paid directly to you when you need it most and can be used at your discre�on for things such as childcare, transporta�on and medical plan copays and deductibles. These benefits help fill in the gaps that medical insurance doesn’t cover A Cancer Screening Benefit pays when you complete screenings such as mammography, PSA for prostate cancer, pap smear, etc. Portability allows you to take the coverage with you even if employment has ended.
Helps protect your savings from the high cost of cancer treatment
Guardian® Cancer Insurance pays you in addi�on to your medical insurance, no ma�er what type of plan you have.
The plan pays you cash benefits based on diagnosis, certain procedures, screenings, and treatments.
The cash benefits are paid directly to you; YOU decide how to use them.
More plan details con�nued on the following pages.
Cancer Insurance is a smart choice for:
•
Those seeking addi�onal financial support during diagnosis and recovery.
•
•
Supplemen�ng a tradi�onal or HDHP medical plan
Anyone with a family history of cancer
INITIAL DIAGNOSIS BENEFIT: Bene�t is paid when you are diagnosed with Internal cancer for the �rst time while insured under this Plan. Bene�ts Employee: $1,500
Bene�t Waiting Period: A speci�ed period of timeafter your e�ective date during which the Initial Diagnosis bene�ts will not be payable.
CANCER SCREENING
$1,500
RADIATION THERAPY OR CHEMOTHERAPY
Conditional Issue -means the applicant (employee, spouse or child) can qualify for coverage if he/she responds "No" to the conditional medical question on the enrollment form.
Portability: Allows you to take your Cancer coverage with you if you terminate employment. Ported Cancer plan terminates at age 70.
You will be required to answer one medical question as a part of your enrollment form.
You will be required to answer one medical question as a part of your enrollment form.
You will be required to answer one medical question as a part of your enrollment form.
Blood/Plasma/Platelets
Hormone Therapy
Hospice
Hospital Con�nement
ICU Con�nement
$25/treatment up to 12 treatments per year
$50/day up to 100 days/lifetime
$300/day for �rst 30 days; $600/day for 31st day thereafter per con�nement
$400/day for �rst 30 days; $600/day for 31st day thereafter per con�nement
Bone
$25/treatment up to 12 treatments per year
$50/day up to 100 days/lifetime
$300/day for �rst 30 days; $600/day for 31st day thereafter per con�nement
$400/day for �rst 30 days; $600/day for 31st day thereafter per con�nement
$50/treatment up to 12 treatments per year
$100/day up to 100 days/lifetime
$400/day for �rst 30 days; $800/day for 31st day thereafter per con�nement
$600/day for �rst 30 days; $800/day for 31st day thereafter per con�nement
Skin Cancer
Biopsy Only: $100
Reconstructive Surgery: $250
Excision of a skin cancer: $375
Excision of a skin cancer with �ap or graft: $600
Biopsy Only: $100
Reconstructive Surgery: $250
Excision of a skin cancer: $375
Excision of a skin cancer with �ap or graft: $600
Biopsy Only: $100
Reconstructive Surgery: $250
Excision of a skin cancer: $375
Excision of a skin cancer with �ap or graft: $600
Surgical Bene�t up to $2,750 up to $4,125 up to $5,500
Transportation/Companion Transportation -if you have to travel more than 50 miles one way to receive treatment for internal cancer.
No Bene�t
$0.50/mile up to $1,000 per round trip/equal bene�t for companion
$0.50/mile up to $1,500 per round trip/equal bene�t for companion Waiver
Alternative Care –Bene�t is paid for palliative care (bio-feed back or hypnosis) or lifestyle bene�ts such as visits to an accredited practitioner for smoking cessation, yoga, meditation, relaxation techniques and nutritional counseling.
Cancer –Cancer means you have been diagnosed with a disease manifested by the presence of a malignant tumor characterized by the uncontrolled growth and spread of malignant cells in any part of the body. This includes leukemia, Hodgkin's disease, lymphoma, sarcoma, malignant tumors and melanoma. Cancer includes carcinomas in-situ (in the natural or normal place, con�ned to the site of origin, without having invaded neighboring tissue). Pre-malignant conditions or conditions with malignant potential, such as myelodysplastic and myeloproliferative disorders, carcinoid, leukoplakia, hyperplasia, actinic keratosis, polycythemia, and nonmalignant melanoma, moles or similar diseases or lesions will not be considered cancer. Cancer must be diagnosed while insured under the Guardian cancer plan.
Experimental Treatment –Bene�ts will be paid for experimental treatment prescribed by a doctor for the purpose of destroying or changing abnormal tissue. All treatment must be NCI listed as viable experimental treatment for Internal Cancer.
*The content and plan information contained in this document is provided to you by your Plan Sponsor, and Hays Consolidated Independent School District and is for illustrationpurposes only. If you have questionsaboutthe actualtermsof coverage including any applicable limits and exclusions, please contactyourplan administratorforacopyof Certi�cate of Coverage issued by Guardian, orthe SummaryPlanDescription. The Policyof GroupInsurance and the Certi�cate of Coverage provide the termsof yourcoverage, and controlinthe eventof anycon�ictwith any otherdocuments.
Summary of Plan Limitations and Exclusions
ConditionalUnderwritingis one medicalquestion as a part of the enrollment form. A pre-existing condition includes any condition for which an employee, in the speci�ed timeperiod priortocoverage inthisplan, consultswith a physician, receivestreatment, ortakesprescribeddrugs. Please refertothe plandocuments for speci�c timeperiods. State variations mayapply. Thisplan willnot paybene�ts for: Servicesortreatmentnotincluded inthe Schedule of Insurance; Services or treatmentprovided by afamily member;Servicesortreatmentrenderedforhospitalcon�nement outside the UnitedStates; Any cancerdiagnosedsolely outside of the United States; Servicesortreatmentprovided primarily for cosmetic purposes; Servicesortreatment for premalignantconditions; Servicesor treatment for conditions with malignant potential; Services or treatment for non-cancer sicknesses; Cancer caused by, contributed to by, or resulting from: participating in a felony, riot orinsurrection; intentionallycausinga self-in�ictedinjury; committingorattempting to commitsuicidewhile sane orinsane; acoveredperson’smental or emotionaldisorder, alcoholism ordrug addiction; engagingin anyillegalactivity; orservingin the armedforces orany auxiliary unitof the armedforces of anycountry; Cancer arising from war or act of war, even if war is not declared.
Cri�cal Illness insurance can complement exis�ng medical coverage and help fill the financial gaps caused by out-of-pocket expenses such as mortgage payments, college tui�on, hiring household help, or treatment not covered by your medical plan. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to you to spend as you choose. There is no coordina�on with other insurance benefits, meaning you can collect on benefits from other coverage in addi�on to the benefits paid on this plan. Your cost is based on the coverage level you select and your age at the �me you enroll. Portability allows you to take the coverage with you even if employment has ended.
Learn how to calculate your rate! Here’s an example...
Non-Tobacco 36 year old employee wants to enroll in $10,000 coverage….
Take the Non-Tobacco rate for 36 year old Employee Only: $0.80
Mul�ply by the amount of coverage in thousands of dollars:
x 10 = $8.00 per month
program (Medicaid or any similarly named program); that all persons to be insured have medical coverage in force that provides bene
PureLife-plusispermanentlifeinsurancetoAttainedAge121thatcanneverbecancelledaslongasyoupaythenecessarypremiums.Afterthe GuaranteedPeriod,thepremiumscanbelower,thesame,orhigherthantheTablePremium.Seethebrochureunder”PermanentCoverage”.
PureLife-plusispermanentlifeinsurancetoAttainedAge121thatcanneverbecancelledaslongasyoupaythenecessarypremiums.Afterthe GuaranteedPeriod,thepremiumscanbelower,thesame,orhigherthantheTablePremium.Seethebrochureunder”PermanentCoverage”.
Accidents, including poisonings and allergic reactions
Injuries, including cuts, sprains and broken bones
Common illnesses, including ear infections, vomiting and diarrhea
Serious/chronic illnesses, including cancer and diabetes
Hereditary and congenital conditions
Surgeries and hospitalization
X-rays, MRIs and CT scans
Prescription medications and therapeutic diets
Wellness exams
Vaccinations
Spay/neuter
Flea and tick prevention
Heartworm testing and prevention
Routine blood tests
Just like all other pet insurers, we don’t cover pre-existing conditions.* However, we go above and beyond with extra features such as emergency boarding, lost pet advertising and more. Plus, both plans have a low $250 annual deductible and a generous $7,500 maximum annual benefit.
Benefits include:
You
MASA MTS is hereto protect its members andtheir families from the shortcomings of health insurance coverageby providingthem with comprehensivefinancial protectionfor lifesaving emergency transportation services, both at home and away fromhome.
Many American employers and employees believe that their health insurance policies cover most, if notall ambulance expenses
Thetruth is, they DONOT!
Even after insurance payments for emergency transportation, you couldreceive a bill up to $5,000 for ground ambulanceand as high as $70,000 for air ambulance. The financial burdens for medical transportation costs are veryreal.
Across the US there are thousands of ground ambulance providers and hundreds of air ambulance carriers. ONLYMASA offers comprehensive coverage since MASA is a PAYERand not aPROVIDER!
ONLY MASA provides over 1.6million members with coverage for BOTH ground ambulance and air ambulance transport, REGARDLESS of which provider transports them.
Members are covered ANYWHEREin all50 states andCanada!
Additionally, MASA provides a repatriation benefit: if a member is hospitalized more than 100 miles from home, MASA can arrangeand pay to have them transported to a hospital closer to their place of residence.
Any
BENEFITS
A MASA Membership prepares you for the unexpectedandgives you the peaceof mind to access vital emergency medical transportation no matter where you live, for a minimal monthlyfee.
• Onelow fee for the entire family
• NO deductibles
• NO health questions
• Easy claims process
For more information, pleasecontact
Your Broker or MASA Representative
Ground. Any Air. Anywhere.™
An HSA is more than just a savings account for medical expenses. Learn why a health savings account (HSA) stands out from other savings arrangements.
To be eligible to have a health savings account, you must be enrolled in the TRS-ActiveCare HD (HDHP) plan and not enrolled in an FSA. An HDHP generally requires that you pay out of pocket for medical expenses incurred (excluding certain preventive care expenses) until your deductible is met. Plan coverage kicks in after that.
An HDHP may be HSA-compatible if it satisfies the IRS’ annual deductible and out-of-pocket expense requirements. But the rules that define an HSA-compatible HDHP can be complicated so check with your insurance provider or employer to see if your health plan is HSA-compatible.
• Set up an HSA with A+ Federal Credit Union
• Complete and submit this form to InsuranceBenefits@hayscisd.net
An HSA provides many benefits.
You can deduct contributions that you make to your HSA on your federal income tax return
Any HSA contributions made through payroll deduction reduce your federal income tax liability
Earnings in your HSA grow tax-deferred HSA distributions that you use to pay for qualiÿed medical expenses are tax-free
NOTE: Self-only coverage covers only an individual. Family coverage covers an individual and a spouse
In addition to being covered under an HSA-compatible HDHP, you
•cannot be covered by a non-HDHP (with limited exceptions),
•cannot be enrolled in Medicare, and
•cannot be eligible to be claimed as a dependent on another person’s tax return.
HSA eligibility is determined as of the ÿrst day of each month.
You are in charge of your HSA assets. You can withdraw money from your HSA
You can carry over your HSA balance from
You own the HSA and can take it with you even if you change health plans or employers.
For account information and inquiries, please contact A+ Federal Credit Union at (800) 252-8148
If you don’t have an HSA and qualify for one, you might be missing out.
If you’re eligible to contribute to an HSA for the entire year, you can contribute up to the annual statutory limit for the type of HDHP coverage you have (self-only or family). If you’re age 55 or older, you can make an additional “catch-up” contribution of up to $1,000. If you are not eligible for the entire year, you can still contribute the maximum contribution amount if you remain HSA-eligible throughout a 13-month “testing period.” If you do not remain HSA-eligible during the testing period, then the annual limit is prorated to the number of months that you are eligible.
If both you and your spouse have family coverage and are HSA-eligible, one annual family contribution limit applies to both of you and may be split between your HSAs in any way you choose.
For example, for 2022, you could contrbute $3,650 to your HSA and your spouse could contribute $3,650 to their HSA for a total of $7,300 ( the 2022 family contribution limit). Note that if both you and your spouse are each eligible for a catch-up contribution, the catchup amounts cannot be combined into one HSA.
Contributions can be made in any amount throughout the year until your tax return due date (generally April 15) for that year, not to exceed your annual limit. Any contributions made on your behalf by your employer or anyone else are included in your one annual limit.
*Subject to annual cost-of-living adjustments.
As long as you cannot be claimed as a dependent on another person’s tax return, you can deduct your own—yourself and your spouse—HSA contributions (not those made by your employer).
You will not have to pay income tax or penalty tax on the money withdrawn from your HSA for qualiÿed medical expenses. Qualiÿed medical expenses generally include most medical, dental, and vision care expenses not covered by insurance that are incurred by you, your
IRS Publication 502, Medical and Dental Expenses,
HSA distributions that are not used for qualiÿed medical expenses are subject to ordinary income tax and, if taken before age 65, a 20 percent penalty tax (unless the HSA assets are distributed after you become disabled or die).
You may want to visit with a competent tax advisor before making HSA contributions or taking HSA distributions.
Visit NBSbenefits.com/403b for addi�onal informa�on
Congratula�ons! You are eligible to par�cipate in the 403(b) re�rement plan provided by the Hays Consolidated Independent School District. Contribu�ng to a 403(b) plan will give you peace of mind through financial security during your re�rement. A 403(b) plan allows you to contribute a por�on of your compensa�on as a pre-tax or post-tax (Roth) contribu�on (if allowed by your Employer) in order to save for re�rement. Par�cipa�on in the 403(b) plan is completely voluntary. If you are already contribu�ng to the 403(b) plan, now is a perfect �me to increase your contribu�ons.
What is a 403(b) Plan?
A 403(b) plan, also know as a Tax-Sheltered Annuity (TSA), is a tax-deferred re�rement plan provided for employees of certain tax-exempt governmental organiza�ons or public educa�on ins�tu�ons.
What are the benefits of contribu�ng to a 403(b) Plan?
LOWER TAXES!
The 403(b) contribu�ons you make can be on a pre-tax basis. This means that the money use to invest in the 403(b) plan is not taxed un�l the funds are withdrawn. For example, if your federal marginal income tax rate is 25% and you contribute $100 a month to a 403(b) plan, you have reduced your federal income taxes by nearly $25. In effect, your $100 contribu�on costs you only $75. The tax savings grow with the size of your 403(b) contribu�on.
TAX-DEFERRED GROWTH
In your 403(b) plan, interest and earnings grow tax-deferred. This means that your interest will grow tax-free un�l the �me of your withdrawal. The compounding interest on your 403(b) plan allows your account to grow more quickly than money saved in a taxable account where interest and earnings are taxed each year.
TAKING THE INITIATIVE
Contribu�ng to a 403(b) re�rement plan helps you take control of your future re�rement needs. Other sources of re�rement income, including state pension plans and Social Security, o�en do not adequately replace a person’s salary upon re�rement. A 403(b) plan can be a great way to supplement your income at re�rement.
POSSIBLE TAX CREDITS
Pre-tax contribu�ons may put you in a lower tax bracket, reducing your overall tax rate.
ROTH
You may also choose to invest part of your income on an a�er-tax (Roth) basis. Roth contribu�ons are taxed at the �me of the investment though contribu�ons and earnings grow tax-free un�l withdrawn.
HIGHER LIMITS
Annual contribu�on limits are much higher than those of an IRA.
How much can you contribute to a 403(b) Plan?
You may elect to save:
100% of your income up to $20,500 (2022)
*Employees age 50+ can contribute an additional $6,500 for a total of $27,000
NBS Re�rement Service Center
8523 S. Redwood Rd. West Jordan, UT 84088
Ph (800) 274-0503 ext. 5
Fax (800) 597-8206
Contact NBS if you have any ques�ons about the re�rement plan.
Your employer has provided investment op�on(s) for you. A list of approved vendor(s) and the Salary Reduc�on Agreement (”SRA”) can be found by visi�ng the Na�onal Benefit Services (NBS) website at NBSbenefits.com/403b or by contac�ng NBS (contact informa�on below).
Once you have chosen an approved vendor, please open a 403(b) account directly with them. To begin inves�ng, send the completed SRA form to NBS who will work with your employer to begin contribu�ons.
Annuity contracts made available through insurance companies or custodial accounts through a re�rement account custodian are allowed in 403(b) plans. You will need to contract the vendor for a comprehensive lis�ng and informa�on regarding the available investment op�ons.
As a par�cipant in the 403(b) plan, you have the op�on to move funds or “exchange” tax-free between different vendors within the same plan.
Rollovers
You also have the op�on of rolling re�rement funds from previous employers to your current employer’s pan thus simplifying re�rement management.
Distribu�ons from the Plan
You or your beneficiary will be able to withdraw your vested balance when one of the following occurs:
Re�rement
Termina�on of Employment
A�ainment of Age 59 1/2
Total Disability
Death
*The vendors may require addi�onal paperwork.
Loans
You may borrow up to 50% of your vested balance up to $50,000 (whichever is less). Contact your current vendor about their specific loan provisions.
Hardship Distribu�ons
An in-service hardship distribu�on may be allowed if you sa�sfy certain criteria. Contact NBS for more informa�on about the requirements. If you take a hardship distribu�on you are required to stop making contribu�ons for 6 months.
Required Minimum Distribu�ons (RMD)
Distribu�ons are required at age 70 1/2. Excep�ons may apply.
Hays Consolidated Independent School District 403(b) Plan
Hays Consolidated Independent School District
Plan Contact Person: David Sifuentes, Benefits Specialist (512) 268-8496
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The Deer Oaks Employee Assistance Program (EAP) is a free service provided for you and your dependents by your employer. This program accessed by calling the toll-free Helpline listed below.
Deer Oaks EAP is a Resource You Can Trust.
Eligibility: All employees and their household members/dependents
services for up to six (6) months post-employment.
In-person Counseling & Assessments: A network of 54,000+ mental health providers throughout the United States are available to provide in-person assessment and counseling services to members wherever they may reside.
Telephonic Assessments & Support: All clinical EAP cases receive a thorough telephonic clinical assessment. In-the-moment telephonic
Tele-Language Services: Deer Oaks has the ability to provide therapy in a language other than English if requested. Services are available for languages and dialects.
Referrals & Community Resources: Counselors provide referrals to community resources, member health plans, support groups, legal resources, and child/elder care services.
Advantage Legal Assist:
Employees and supervisors
leadership, and more.
Disaster Assistance Program:
Management Personnel regarding disaster readiness; and tools
Online Tools & Resources: Log on to www.deeroakseap.com to access an extensive topical library containing health and wellness and work/life balance resources. The Deer Oaks website also
Work/Life Services: Work/Life Consultants are available to assist members with a wide range of daily living resources such as pet
Find-Now Child & Elder Care Program: This program assists search for licensed, regulated, and inspected child and elder care needs, provide guidance, resources, and referrals within 12 hours of the call. Searchable databases and other resources are also available on the Deer Oaks website.
Advantage Financial Assist: etc.).
employees. Deer Oaks will respond quickly when asked to provide company incident.
ID Recovery:
ongoing ID recovery guidance available as needed; free credit monitoring service through Credit Karma.
Take the High Road: Deer Oaks reimburses members for their cab, www.deeroakseap.com866-327-2400
To request special enrollment or obtain more information, please visit the Qualifying Life Events page or contact the Hays CISD Employee Services Department at (512) 268-8496.
Contact--Position/Office: Cynthia Botello, Director of Employee Services
Phone Number: (512) 268-8496
This Benefit Guide provides a brief descrip�on of plan benefits. For more informa�on on plan benefits, exclusions, and limita�ons, please refer to the Plan documents on the Hays CISD Benefits Portal at www.mybenefitshub.com/ hayscisd. If any conflict arises between this Guide and any plan provisions, the terms of the actual plan document or other applicable documents will govern in all cases. Benefits are subject to modifica�on at any �me.