San Marcos CISD 2023-24 Benefit Guide

Table of Content

Important Information

Login Information

Medical – TRS Activecare

Medical Gap – Zurich SIS

Dental – MetLife

Vision – Davis Vision

Disability – The Standard

Employee Assistance Program – Alliance Work Partners

Texas Life - Permanent Life

Group Life – Lincoln Financial

Cancer – Loyal American

Critical Illness – MetLife

Accident – MetLife

Flexible Spending Account - TASC

403(b) Plans - The OMNI Group

Medical Transportation – MASA

QUALIFYING EVENT AND MORE IMPORTANT INFORMATION

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TRS-ActiveCare has more doctors and hospitals than the hill country has hills.

TRS-ActiveCare Plan Highlights 2023-24

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.

2023-24 TRS-ActiveCare Plan Highlights

• Express Scripts is your new pharmacy benefits manager! CVS pharmacies and most of your preferred pharmacies and medication are still included.

•Certain specialty drugs are still $0 through SaveOnSP.

What’s New and What’s Changing

This table shows you the changes between 2022-23 premium price and this year’s 2023-24 regional price for your Education Service Center.

Key Plan Changes

• Individual maximum-out-of-pocket decreased by $650. Previous amount was $8,150 and is now $7,500.

• Family maximum-out-of-pocket decreased by $1,300. Previous amount was $16,300 and is now $15,000.

• Teladoc virtual mental health visit copay decreased from $70 to $0.

• Individual maximum-out-of-pocket increased by $450 to match IRS guidelines. Previous amount was $7,050 and is now $7,500.

• Family maximum-out-of-pocket increased by $900 to match IRS guidelines. Previous amount was $14,100 and is now $15,000. These changes apply only to in-network amounts.

• Family deductible decreased by $1,200. Previous amount was $3,600 and is now $2,400.

• Primary care provider and mental health copays decreased from $30 to $15.

• Teladoc virtual mental health visit copay decreased from $70 to $0.

• No changes.

• This plan is still closed to new enrollees.

Compare Prices for Common Medical Services

*Pre-certification for genetic and specialty testing may apply. Contact a PHG at

questions.

2023-24 Health Maintenance Organization (HMO) Plans and Premiums for Select Regions of the State

TRS contracts with HMOs in certain regions to bring participants in those areas additional options. HMOs set their own rates and premiums. They’re fully insured products who pay their own claims.

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

*ActiveCare 2 is only available to those currently under the plan, not available to new enrollees.

Zurich Specialty Health Supplemental GAP Medical

*This maximum applies to the entire family unit, regardless of the number of covered persons within the family unit. An “occurrence” is the treatment, or series of treatments, for a specific sickness or injury. All expenses related to the treatment of the same or related sickness or injury will accrue toward the out-patient maximum for one occurrence, regardless of whether such treatment is received in more than one calendar year period. If, however, a Covered Person is treatment-free, at any time, for at least 30 consecutive days, they may qualify for an additional outpatient maximum benefit if the family maximum per calendar year has not been met.

Monthly Rates*

Employees and dependents enrolled in the company sponsored Major Medical Plan may enroll for coverage in the Zurich Supplemental GAP Medical Plan.

Serving customers for almost 150 years

Zurich Insurance Group

Founded in Switzerland in 1872, we are one of the world’s most experienced global insurers

• Eligibility

Doing business in the U.S. since 1912

Approximately 55,000 experienced professionals worldwide

Approximately 9,000 employees in North America

Providing a wide range of property and casualty, and life insurance products and services in more than 215 countries and territories

North America contributed approximately $1.43 billion toward Zurich’s $4.2 billion in operating profit in 2020

Insurance a broad range of Middle Market customers as well as more than 95 percent of the Fortune 500

Providing multinational solutions in the U.S. for almost 50 years

Strong investor proposition; resilient business model, clear strategy, and responsible and impactful business

Zurich North America is one of the largest providers of insurance solutions and services to businesses and individuals.

To learn more, visit www.zurichna.com

• Employees enrolled in the company’s sponsored Major Medical Plan are eligible for Gap medical coverage. Employee’s dependents are also eligible for coverage.

• Eligibility waiting period

• Same as Major Medical Plan.

• Inpatient Expense Benefit – Benefits will be paid if a covered person is confined to a hospital as a direct result of an injury sustained in an accident or sickness. Benefits are limited to out-of-pocket expenses incurred by the covered person, including the deductible and coinsurance amounts the covered person is required to pay under the Major Medical Plan.

• Outpatient Expense Benefit – Benefits will be paid for outpatient treatment of an injury sustained in an accident or sickness. Benefits are limited to out-of-pocket expenses incurred by the covered person, including the deductible and coinsurance amounts the covered person is required to pay under the Major Medical Plan.

• Combined Inpatient and Outpatient Expense Benefit –Benefits will be paid if a covered person is confined to a hospital or receives outpatient treatment as a direct result of an injury sustained in an accident or sickness. Benefits are limited to out-of-pocket expenses incurred by the covered person, including the deductible and coinsurance amounts the covered person is required to pay under the Major Medical Plan. All benefits are subject to the Policy Deductible and the Supplemental Medical Coinsurance percentage for the Plan Year shown on the following pages:

• Policy Deductible – Benefits will be payable after the Covered Person has met the “Per Covered Person” Policy Deductible or after the “Per Family” Policy Deductible has been met, whichever occurs first.

• Supplemental Medical Co-insurance – The maximum percentage that will be paid under this Policy for covered expenses incurred by a covered person.

• Plan Year – A consecutive 12-month period during which a covered person’s coverage under the policy is in force.

General exclusions and limitations

This coverage does not cover any loss, treatment, or services resulting from any of the following:

1. Suicide or any attempt at suicide

2. Intentionally self-inflicted Injury or Sickness, while sane or insane

3. Declared or undeclared war, or any act of declared or undeclared war

4. Full-time active duty in the armed forces of any country or international authority

5. Any Injury or Sickness for which the Covered Person is entitled to benefits pursuant to any workers’ compensation law or other similar legislation

6. The Covered Person’s commission of or attempt to commit a felony, assault, sexual assault, riot or insurrection or any Injury resulting from the Covered Person’s provocation of an attack against them

7. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Covered Person is

a. Riding as a passenger in any aircraft not intended or licensed for the transportation of passengers

b. Performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft

c. Riding as a passenger in an aircraft owned, leased or operated by the Policyholder or the Covered Person

8. Skydiving, parasailing, parachuting, hang-gliding, bungee-jumping and participation in a contest of speed in power driven vehicles

9. Dental or vision services, including treatment, surgery, extractions, or x-rays, unless: (a) resulting from an Accident occurring while the Covered Person’s coverage is in force and if performed within 12 months of the date of such Accident; or (b) due to congenital disease or anomaly of a covered newborn child

10. Treatment or services for Injury and Sickness provided outside of the United States

11. Rest care or rehabilitative care and treatment (this does not include rehabilitation for treatment of physical disability)

12. Voluntary abortion except, with respect to the Covered Person: (a) where the Insured or the Insured’s Dependent’s life would be endangered if the fetus were carried to term; or (b) where medical complications have arisen from abortion

13. Elective cosmetic surgery (except newborn circumcision)

14. Sterilization and reversal of sterilization

15. Any expense which is not Medically Necessary

16. Prescription drugs

17. Any loss for which the Covered Person is not required to pay a Health Benefit Plan Deductible, co-payment and/or Health Benefit Plan Coinsurance under the Covered Person’s Health Benefit Plan; and

18. Any expense or benefit that is excluded under the Covered Person’s Health Benefit Plan

Health Benefit Plan Limitation

If a Covered Person does not have a Health Benefit Plan on the Covered Person’s Effective Date under this coverage, the Company’s sole obligation will then be to refund all premiums paid for that Covered Person.

Dental

Metlife 1-800-942-0854

Network: PDP Plus

Child(ren)’s eligibility for dental coverage is from birth up to age 26.

*Negotiated Fee refers to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any co payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

Reimbursement for out of network services is based on the lesser of the dentist's actual fee or the Maximum Allowable Charge (MAC). The out of network maximum allowable charge is a scheduled amount determined by Metlife

R&C fee refers to the Reasonable and Customary (R&C) charge, which is based on the lowest of (1) the dentist's actual charge, (2) the dentist's usual charge for the same or similar services as determined by Metlife. Applies to type A, B, and C Services.

FAQ: Do I need an ID card?

No. Simply notify your dentist that you are enrolled in the MetLife Preferred Dentist Program and they can verify coverage at 1-800-942-0854

M o n t h l y C o s t

The following monthly costs are effective through August 31st, 202 Your premium will be paid through convenient payroll deduction. The Monthly costs shown below for “Employee + Spouse + Child(ren)” include the cost for all eligible children.

Plan Option 1: High Plan Plan Option 2: Low Plan

Employee Only

$3 Employee Only $

Employee + One Employee + One $

Employee + Spouse + Child(ren) $ Employee + Spouse + Child(ren) $

List of Primary Covered Services & Limitations

The service categories and plan limitations shown represent an overview of your Plan Benefits. This document presents the majority of services within each category, but is not a complete description of the Plan.

Plan Option 1: High Plan Plan Option 2: Low Plan

Type A –Preventive How Many/How Often

Prophylaxis (cleanings)

Oral Examinations

Topical Fluoride Applications

X-rays

Sealants

Type A –Preventive How Many/How Often

Two per calendar yearProphylaxis (cleanings)

Two exams per calendar yearOral Examinations

One fluoride treatment per calendar year for dependent children up to his/her 14th birthday

Full mouth X-rays; once per 5 years

Bitewings X-rays; one set per calendar year

One application of sealant material every 60 months for each non-restored, nondecayed 1st and 2nd molar of a dependent child up to his/her 14th birthday

Topical Fluoride Applications

X-rays

Two per calendar year

Two exams per calendar year

One fluoride treatment per calendar year for dependent children up to his/her 14th birthday

Full mouth X-rays; once per 5 years

Bitewings X-rays; one set per calendar year

Sealants

One application of sealant material every 60 months for each non-restored, nondecayed 1st and 2nd molar of a dependent child up to his/her 14th birthday

Type

Fillings

Fillings

Simple Extractions Simple Extractions

Crown, Denture and Bridge

Repair/ Recementations

Oral Surgery

General Anesthesia

Space Maintainers

When dentally necessary in connection with oral surgery, extractions or other covered dental services

Space maintainers for dependent children up to his/her 14th birthday.

Crown, Denture and Bridge

Repair/ Recementations

Oral Surgery

General Anesthesia

Space Maintainers

When dentally necessary in connection with oral surgery, extractions or other covered dental services

Space maintainers for dependent children up to his/her 14th birthday.

Type C – Major Restorative How Many/How Often

Type C – Major Restorative How Many/How Often

Endodontics Endodontics

Implants

Bridges and Dentures

Replacement once every 10 years

Initial placement to replace one or more natural teeth, which are lost while covered by the plan Dentures and bridgework replacement; one every 10 years

Replacement of an existing temporary full denture if the temporary denture cannot be repaired and the permanent denture is installed within 12 months after the temporary denture was installed

Implants

Bridges and Dentures

Replacement once every 10 years

Initial placement to replace one or more natural teeth, which are lost while covered by the plan Dentures and bridgework replacement; one every 10 years

Replacement of an existing temporary full denture if the temporary denture cannot be repaired and the permanent denture is installed within 12 months after the temporary denture was installed

Crowns, Inlays and Onlays

Replacement once every 10 years

Periodontics Periodontal scaling and root planing once per quadrant, every 24 months

Periodontal surgery once per quadrant, every 36 months

You, your spouse and your children, up to age 26, are covered while Dental insurance is in effect

All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia

Payments are on a repetitive basis

20% of the Orthodontia Lifetime Maximum will be considered at initial placement of the appliance and paid based on the plan benefit’s coinsurance level for Orthodontia as defined in the plan summary

Orthodontic benefits end at cancellation of coverage

Crowns, Inlays and Onlays

Replacement once every 10 years

Periodontics Periodontal scaling and root planing once per quadrant, every 24 months

Periodontal surgery once per quadrant, every 36 months

Your children, up to age 19, are covered while Dental insurance is in effect.

All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia

Payments are on a repetitive basis

20% of the Orthodontia Lifetime Maximum will be considered at initial placement of the appliance and paid based on the plan benefit’s coinsurance level for Orthodontia as defined in the plan summary

Orthodontic benefits end at cancellation of coverage

The service categories and plan limitations shown above represent an overview of your plan benefits. This document presents the majority of services within each category, but is not a complete description of the plan.

Frequently Asked Questions

Who is a participating dentist?

A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services provided to plan members. Negotiated fees typically range from 30%-45% below the average fees charged in a dentist’s community for the same or substantially similar services. †

How do I find a participating dentist?

There are thousands of general dentists and specialists to choose from nationwide --so you are sure to find one that meets your needs. You can receive a list of these participating dentists online at www.metlife.com/mybenefits or call to have a list faxed or mailed to you. What services are covered under this plan?

The certificate of insurance sets forth the covered services under the plan. Please review the enclosed plan benefits to learn more.

May I choose a non-participating dentist?

Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating dentist your out-of-pocket costs may be higher.

Can my dentist apply for participation in the network?

Yes. If your current dentist does not participate in the network and you would like to encourage him/her to apply, ask your dentist to visit www.metdental.com, or call 1-866-PDP-NTWK for an application. †† The website and phone number are for use by dental professionals only.

How are claims processed?

Dentists may submit your claims for you which means you have little or no paperwork. You can track your claims online and even receive email alerts when a claim has been processed. If you need a claim form, visit www.metlife.com/mybenefits or request one by calling

Can I get an estimate of what my out-of-pocket expenses will be before receiving a service?

Yes. You can ask for a pretreatment estimate. Your general dentist or specialist usually sends MetLife a plan for your care and requests an estimate of benefits. The estimate helps you prepare for the cost of dental services. We recommend that you request a pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online at www.metdental.com or call 1-877-MET-DDS9. You and your dentist will receive a benefit estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment.

Can MetLife help me find a dentist outside of the U.S. if I am traveling?

Yes. Through international dental travel assistance services * you can obtain a referral to a local dentist by calling +1-312-356-5970 (collect) when outside the U.S. to receive immediate care until you can see your dentist. Coverage will be considered under your out-of-network benefits. ** Please remember to hold on to all receipts to submit a dental claim.

How does MetLife coordinate benefits with other insurance plans?

Coordination of benefits provisions in dental benefits plans are a set of rules that are followed when a patient is covered by more than one dental benefits plan. These rules determine the order in which the plans will pay benefits. If the MetLife dental benefit plan is primary, MetLife will pay the full amount of benefits that would normally be available under the plan, subject to applicable law. If the MetLife dental benefit plan is secondary, most coordination of benefits provisions require MetLife to determine benefits after benefits have been determined under the primary plan. The amount of benefits payable by MetLife may be reduced due to the benefits paid under the primary plan, subject to applicable law.

Do I need an ID card?

No. You do not need to present an ID card to confirm that you are eligible. You should notify your dentist that you are enrolled in the MetLife Preferred Dentist Program. Your dentist can easily verify information about your coverage through a toll-free automated Computer Voice Response system.

†Based on internal analysis by MetLife. Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

††Due to contractual requirements, MetLife is prevented from soliciting certain providers.

*AXA Assistance USA, Inc. provides Dental referral services only. AXA Assistance is not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. Referral services are not available in all locations.

**Refer to your dental benefits plan summary for your out-of-network dental coverage.

Exclusions

This plan does not cover the following services, treatments and supplies: Services which are not Dentally Necessary, those which do not meet generally accepted standards of care for treating the particular dental condition, or which we deem experimental in nature; Services for which you would not be required to pay in the absence of Dental Insurance; Services or supplies received by you or your Dependent before the Dental Insurance starts for that person; Services which are primarily cosmetic (for Texas residents, see notice page section in Certificate); Services which are neither performed nor prescribed by a Dentist except for those services of a licensed dental hygienist which are supervised and billed by a Dentist and which are for:

o Scaling and polishing of teeth; or

o Fluoride treatments;

Services or appliances which restore or alter occlusion or vertical dimension; Restoration of tooth structure damaged by attrition, abrasion or erosion; Restorations or appliances used for the purpose of periodontal splinting; Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco; Personal supplies or devices including, but not limited to: water picks, toothbrushes, or dental floss; Decoration, personalization or inscription of any tooth, device, appliance, crown or other dental work; Missed appointments;

Services:

o Covered under any workers’ compensation or occupational disease law;

o Covered under any employer liability law;

o For which the employer of the person receiving such services is not required to pay; or

o Received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital;

Services covered under other coverage provided by the Employer;

Temporary or provisional restorations;

Temporary or provisional appliances;

Prescription drugs;

Services for which the submitted documentation indicates a poor prognosis; The following when charged by the Dentist on a separate basis:

o Claim form completion;

o Infection control such as gloves, masks, and sterilization of supplies; or

o Local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide. Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food;

Caries susceptibility tests;

Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, Other fixed Denture prosthetic services not described elsewhere in the certificate; Precision attachments, except when the precision attachment is related to implant prosthetics;

Initial installation of a full or removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, Addition of teeth to a partial removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance,

Adjustment of a Denture made within 6 months after installation by the same Dentist who installed it; Implants supported prosthetics to replace one or more natural teeth which were missing before such person was insured for Dental Insurance,

Fixed and removable appliances for correction of harmful habits;

Appliances or treatment for bruxism (grinding teeth), including but not limited to occlusal guards and night guards;

Diagnosis and treatment of temporomandibular joint (TMJ) disorders. This exclusion does not apply to residents of Minnesota;

Repair or replacement of an orthodontic device;

Duplicate prosthetic devices or appliances;

Replacement of a lost or stolen appliance, Cast Restoration, or Denture; and Intra and extraoral photographic images

Limitations

Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discuss treatment options with your dentist before services are rendered, and obtain a pre-treatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the services provided, your plan’s reimbursement for those services, and your out-of-pocket expense. Procedure charge schedules are subject to change each plan year. You can obtain an updated procedure charge schedule for your area via fax by calling 1-800-942-0854 and using the MetLife Dental Automated Information Service. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment.

Cancellation/Termination of Benefits: Coverage is provided under a group insurance policy (Policy form GPNP99 / G.2130-S) issued by Metropolitan Life Insurance Company (MetLife). Coverage terminates when your membership ceases, when your dental contributions cease or upon termination of the group policy by the Policyholder or MetLife. The group policy terminates for non-payment of premium and may terminate if participation requirements are not met or if the Policyholder fails to perform any obligations under the policy. The following services that are in progress while coverage is in effect will be paid after the coverage ends, if the applicable installment or the treatment is finished within 31 days after individual termination of coverage: Completion of a prosthetic device, crown or root canal therapy.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. For complete details of coverage and availability, please refer to the certificate of insurance or contact MetLife.

Facts & Stats

Visits to the dentist can be expensive. From preventive care to major services, dental is a smart way to protect your smile and your pocketbook.

You get coverage for a wide range of services through a network of carefully selected participating dentists who agree to significantly lower costs than typical dental charges.

for example cleanings, x-rays and sealants

At the time of enrollment, you pre-select a participating dentist. Each enrolled family member may select a different participating dentist. Your primary care dentist also helps coordinate specialty care for you.

John’s primary care dentist identifies a molar that failed to erupt and advises that John needs to have it extracted.

for example fillings and extractions

for example crowns and root canals

The cost of an impacted tooth extraction ranges from $225-$600 per tooth in the U.S. By using a participating dentist, John pays the copay only, which depending on his exact plan, could range from just $10-$60

for soft tissue impacted tooth extraction.

What you need to know about a dental HMO/managed care plan:

• Significantly lower costs for dental services through a growing network of participating dentists.

• No deductibles, annual maximums or claims forms to complete.

• fees for materials and procedures requiring multiple services (i.e. root canals and crowns)

• For added convenience, MetLife’s Mobile App is available on the iTunes® App Store and Google Play. After downloading, you can use it to find a dentist, view your claims and access your ID card.

Smiles are free, but they are worth a lot

SanMarcosConsolidatedISD

Welcome to Davis Vision!

care for your vision and eye health - a key part of overall health and wellness!

If you are not currently enrolled, please visit our member site at davisvision.com or call 1.877.923.2847 and enter client code 8100 to locate providers or for additional information.

 Find a Provider

 View Your Member Information Benefits

 Request an ID Card

Make an appointment.

Tell your provider you are a Davis Vision member with coverage through San Marcos Consolidated ISD. Provide your member ID number, name and date of birth, and do the same for your covered dependents seeking vision services. Your provider will take care of the rest!

plastic lenses in any single vision, bifocal, trifocal or lenticular prescription. Covered in full. (See below for additional lens options and coatings.)

Covered in Full Frames:

Frame Allowance: VisionworksFrame Allowance:

Any Fashion or Designer level frame from Davis Vision’s Collection/2 (retail value, up to $160).

$125 toward any frame from provider plus 20% off any balance./1 No copay required.

$175 allowance plus 20% off any balance toward any frame from a Visionworks family of store locations./4 No copay required.

From Davis Vision’s Collection/2, up to: Four boxes/multi-packs* Eight boxes/multi-packs*

$150 allowance toward any contacts from provider’s supply plus 15% off balance./1 No copay required.

Covered in full with prior approval.

*Number of contact lens boxes may vary based on manufacturer’s packaging.

1/ Additional discounts not applicable at Walmart, Sam’s Club or Costco locations

2/ The Davis Vision Collection is available at most participating independent provider locations. Collection is subject to change. Collection is inclusive of select toric and multifocal contacts.

3/ Including, but not limited to toric, multifocal and gas permeable contact lenses.

4/ Enhanced frame allowance available at all Visionworks Locations nationwide.

5/Transitions® is a registered trademark of Transitions Optical Inc.

Please note: Your provider reserves the right to not dispense materials until all applicable member costs, fees and copayments have been collected. Contact lenses: Routine eye examinations do not include professional services for contact

may not be exchanged for eyeglasses. Progressive lenses: If you are unable to adapt to progressive addition lenses you have purchased, conventional bifocals will be supplied at no additional cost; however, your copayment is nonrefundable. May not be combined with other discounts or offers. Please be advised these lens

SanMarcosConsolidatedISD

Welcome to Davis Vision!

care for your vision and eye health - a key part of overall health and wellness! If you are not currently enrolled, please visit our member site at davisvision.com or call 1.877.923.2847 and enter client code 8101 to locate providers or for additional information.

Using

Make an appointment.

Tell your provider you are a Davis Vision member with coverage through San Marcos Consolidated ISD. Provide your member ID number, name and date of birth, and do the same for your covered dependents seeking vision services. Your provider will take care of the rest!

plastic lenses in any single vision, bifocal, trifocal or lenticular prescription. Covered in full. (See below for additional lens options and coatings.)

Covered in Full Frames:

Frame Allowance: VisionworksFrame Allowance:

Any Fashion, Designer or Premier level frame from Davis Vision’s Collection/2 (retail value, up to $195).

$150 toward any frame from provider plus 20% off any balance./1 No copay required.

$200 allowance plus 20% off any balance toward any frame from a Visionworks family of store locations./4 No copay required.

From Davis Vision’s Collection/2, up to: Four boxes/multi-packs* Eight boxes/multi-packs*

$200 allowance toward any contacts from provider’s supply plus 15% off balance./1 No copay required.

Covered in full with prior approval.

*Number of contact lens boxes may vary based on manufacturer’s packaging.

1/ Additional discounts not applicable at Walmart, Sam’s Club or Costco locations

The Davis Vision Collection is available at most participating independent provider locations. Collection is subject to change. Collection is inclusive of select toric and multifocal contacts.

Including, but not limited to toric, multifocal and gas permeable contact lenses.

Please note: Your provider reserves the right to not dispense materials until all applicable member costs, fees and copayments have been collected. Contact lenses: Routine eye examinations do not include professional services for contact

may not be exchanged for eyeglasses. Progressive lenses: If you are unable to adapt to progressive addition lenses you have purchased, conventional bifocals will be supplied at no additional cost; however, your copayment is nonrefundable. May not be combined with other discounts or offers. Please be advised these lens

Frequently Asked Questions

How can I contact Member Services?

Call 1.800.999.5431 for automated help 24/7. Live help is also available seven days a week: Monday-Friday, 8 a.m.-11 p.m. | Saturday, 9 a.m.-4 p.m. | Sunday, 12 p.m.-4 p.m. (Eastern Time). (TTY services: 1.800.523.2847.)

Our Collection offers a great selection of fashionable and designer frames, most of which are covered in full. No wonder 8 out of 10 members select a Collection frame. Log on to our member Web site at davisvision.com and take a look!

When will I receive my eyewear?

Your eyewear will be delivered to your network provider generally lens coatings, provider frames or out-of-stock frames may delay the standard turnaround time.

Claim forms are only required if you visit an out-of-network provider. Claim forms are available on our member Web site.

eyeglasses or contact lenses on different dates or through different provider locations. Complete eyeglasses must be obtained at one time, from one provider. You may not split between a network recommend that all services be obtained from a network provider.

Yes; however, you receive the greatest value by staying in-network. If you go out-of-network, pay the provider at the time of service, then submit a claim to Davis Vision for reimbursement, up to the following amounts: eye exam - $35 | single vision lenses - $25 | bifocal - $40 | trifocal - $45 | lenticular - $80 | frame - $55 | elective contacts - $65 | visually required contacts - $150.

Your vision plan does not cover medical treatment of eye disease or injury; vision therapy; special lens designs or coatings, other than those described herein; replacement of lost eyewear; nonprescription (plano) lenses; contact lenses and eyeglasses in the two pair of eyeglasses in lieu of bifocals.

DAVIS VISION EXTRAS!

One Year Breakage Warranty Repair or replacement of your plan covered spectacle lenses, Collection frame or frame from a network retail location where the Collection is not displayed. Access a higher frame allowance by visiting a Visionworks family of store locations/6

Additional Savings At most participating network locations, members receive up to 20% off additional eyeglasses, sunglasses contact lenses./7

Mail Order Contact Lenses Replacement contacts (after service ensures easy, convenient, purchasing online and quick, direct shipping to your door. Log on to our member Web site for details.

Laser Vision Correction Up to 25% discount off participating provider’s U&C or 5% off advertised special (whichever is lower). Log on to our member Web site for details and to locate a provider. A One-time/lifetime allowance of $200 is available.

Low Vision Services Comprehensive low vision evaluation

Eye Health & Wellness Log on and learn more about your eyes, health and wellness; common eye conditions that can impair vision; and what you can do to ensure healthy eyes and a healthier life.

For more details… and responsibilities, or more information about Davis Vision, please log on to our member Web site or contact us at 1.800.999.5431.

Davis Vision has made every effort to correctly summarize your vision plan features contract with Davis Vision, the terms of the contract will prevail.

The Standard - Voluntary Long Term Disability (LTD) Insurance

Standard Insurance Company has developed this document to provide you with information about the optional insurance coverage you may select through San Marcos CISD. Written in non-technical language, this is not intended as a complete description of the coverage. If you have additional questions, please check with your human resources representative.

Employer Plan Effective Date

A minimum number of eligible employees must apply and qualify for the proposed plan before Voluntary LTD coverage can become effective. This level of participation has been agreed upon by San Marcos CISD and The Standard.

Eligibility

To become insured, you must be:

A regular employee of San Marcos CISD, excluding temporary or seasonal employees, full-time members of the armed forces, leased employees or independent contractors

Actively at work at least 15 hours each week

A citizen or resident of the United States or Canada

Employee Coverage Effective Date

Please contact your human resources representative for more information regarding the following requirements that must be satisfied for your insurance to become effective. You must satisfy:

Eligibility requirements

An eligibility waiting period (check with your human resources representative)

An evidence of insurability requirement, if applicable

An active work requirement. This means that if you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one full day of active work as an eligible employee.

Benefit Amount

You may select a monthly benefit amount in $100 increments from $300 to $8,000; based on the tables and guidelines presented in the Rates section of these Coverage Highlights. The monthly benefit amount must not exceed 66 2/3 percent of your monthly earnings.

Benefits are payable for non-occupational disabilities only. Occupational disabilities are not covered.

Plan Maximum Monthly Benefit: 66 2/3 percent of predisability earnings

Plan Minimum Monthly Benefit: 10 percent of your LTD benefit before reduction by deductible income

Benefit Waiting Period and Maximum Benefit Period

The benefit waiting period is the period of time that you must be continuously disabled before benefits become payable. Benefits are not payable during the benefit waiting period. The maximum benefit period is the period for which benefits are payable. The benefit waiting period and maximum benefit period associated with your plan options are shown below:

Options 1-6: Maximum Benefit Period of To SSNRA for Sickness and Accident

If you become disabled before age 62, LTD benefits may continue during disability until you reach age 65 or to the Social Security Normal Retirement Age (SSNRA) or 3 years 6 months, whichever is longer. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins:

62 To SSNRA, or 3 years 6 months, whichever is longer

63 To SSNRA, or 3 years, whichever is longer

64 To SSNRA, or 2 years 6 months, whichever is longer

652 years

66 1 year 9 months

67 1 year 6 months

68 1 year 3 months

69+ 1 year

FIRST DAY HOSPITALIZATION BENEFIT

With this benefit, if an insured employee is hospital confined for at least four hours, is admitted as an inpatient and is charged room and board during the benefit waiting period, the benefit waiting period will be satisfied. Benefits become payable on the date of hospitalization; the maximum benefit period also begins on that date. THIS FEATURE IS INCLUDED ONLY ON LTD PLANS WITH BENEFIT WAITING PERIODS OF 30 DAYS OR LESS.

Preexisting Condition Exclusion

A detailed description of the preexisting condition exclusion is included in the Group Policy. If you have questions, please check with your human resources representative.

Preexisting Condition Period: The 90-day period just before your insurance becomes effective

Exclusion Period: 12 months

Preexisting Condition Waiver

The Standard may pay benefits for up to 90 days even if you have a preexisting condition. After 90 days, The Standard will continue benefits only if the preexisting condition exclusion does not apply.

Own Occupation Period

For the plan’s definition of disability, as described in your brochure, the own occupation period is the first 24 months for which LTD benefits are paid.

Any Occupation Period

The any occupation period begins at the end of the own occupation period and continues until the end of the maximum benefit period.

Other LTD Features

Employee Assistance Program (EAP) – This program offers support, guidance and resources that can help an employee resolve personal issues and meet life’s challenges.

Family Care Expense Adjustment – Disabled employees faced with the added expense of family care when returning to work may receive combined income from LTD benefits and work earnings in excess of 100 percent of indexed predisability earnings during the first 12 months immediately after a disabled employee’s return to work.

Special Dismemberment Provision – If an employee suffers a lost as a result of an accident, the employee will be considered disabled for the applicable Minimum Benefit Period and can extend beyond the end of the Maximum Benefit Period

Reasonable Accommodation Expense Benefit – Subject to The Standard’s prior approval, this benefit allows us to pay up to $25,000 of an employer’s expenses toward work-site modifications that result in a disabled employee’s return to work.

Survivor Benefit – A Survivor Benefit may also be payable. This benefit can help to address a family’s financial need in the event of the employee’s death.

Return to Work (RTW) Incentive – The Standard’s RTW Incentive is one of the most comprehensive in the employee benefits history. For the first 12 months after returning to work, the employee’s LTD benefit will not be reduced by work earnings until work earnings plus the LTD benefit exceed 100 percent of predisability earnings. After that period, only 50 percent of work earnings are deducted.

Rehabilitation Plan Provision – Subject to The Standard’s prior approval, rehabilitation incentives may include training and education expense, family (child and elder) care expenses, and job-related and job search expenses.

When Benefits End

LTD benefits end automatically on the earliest of:

The date you are no longer disabled

The date your maximum benefit period ends

The date you die

The date benefits become payable under any other LTD plan under which you become insured through employment during a period of temporary recovery

The date you fail to provide proof of continued disability and entitlement to benefits

Rates

Employees can select a monthly LTD benefit ranging from a minimum of $300 to a maximum amount based on how much they earn. Referencing the appropriate attached charts, follow these steps to find the monthly cost for your desired level of monthly LTD benefit and benefit waiting period:

1.Find the maximum LTD benefit by locating the amount of your earnings in either the Annual Earnings or Monthly Earnings column. The LTD benefit amount shown associated with these earnings is the maximum amount you can receive. If your earnings fall between two amounts, you must select the lower amount.

2.Select the desired monthly LTD benefit between the minimum of $300 and the determined maximum amount, making sure not to exceed the maximum for your earnings.

3.In the same row, select the desired benefit waiting period to see the monthly cost for that selection.

If you have questions regarding how to determine your monthly LTD benefit, the benefit waiting period, or the premium payment of your desired benefit, please contact your human resources representative.

Group Insurance Certificate

If you become insured, you will receive a group insurance certificate containing a detailed description of the insurance coverage. The information presented above is controlled by the group policy and does not modify it in any way. The controlling provisions are in the group policy issued by Standard Insurance Company.

Options 1-6

Options 1-6 (Continued)

San Marcos CISD

Employee Assistance Program (EAP)

AWP is proud to serve as your EAP, offering you and your household valuable, confidential services at no cost to you.

or any issue affecting your quality of life.

YourEAP Benefits:

All benefits can be accessed by calling: toll free 1-800-343-3822

for our deaf and hearing impaired callers, please dial 7 – 1 - 1 teen line

1-800-334-TEEN (8336)

We are available totake your call 24 hours a day,7 days a week.

LawAccess

Legal and Financial services provided by a lawyer or financial professional specializing in your area of concern. Available online or by telephone.

HelpNet

Customized EAP website featuring resources, skill-building tools, online assessments and referrals.

WorkLife

Resources and referrals for everyday needs. Available by telephone.

SafeRide

Reimbursement for emergency cab fare for eligible employees and dependents that opt to use a cab service instead of driving while impaired.

1 to 6 Counseling Sessions

Per problem, per year. Short-term counseling sessions which include assessment, referral, and crisis services.

Registration Code: AWP-SMCISD-5478

Criteria for Benefits Eligibility

Full Benefits:

• Employee, retiree, married/divorced spouse, partner, significant other

• Any household member, regardless of age or relationship, residing in employee’s home, including significant other and their children

• All covered employees may bring anyone with them to their authorized/covered sessions regardless of relationship to employee.

• Children and grandchildren, age 26 or under, residing in US or Puerto Rico. This includes children and grandchildren of significant other or partner.

• Any person meeting benefit eligibility prior to lay-off or termination of an employee will continue to be eligible for benefits up to 6 months from the date of employee’s lay-off or termination. Benefits are extended for 6 months from date of employee's call within this timeframe.

Assessment & Referral:

• Children and grandchildren age 27 and overof employee, married/divorced spouse, partner, or significant other living outside employee’s home

• Employee instructed by law to receive courtordered counseling

• All crisis cases (suicidal/homicidal, domestic violence, chemical dependence, substance abuse, child/elderly abuse) not otherwise covered

• Any person meeting benefit eligibility prior to lay-off or termination of an employee will continue to be eligible for assessment and referral after 6 months and up to 1 year from the date of employee’s lay-off or termination. Benefits are extended 1 year from date of employee's call within this timeframe.

Information & Referral:

• Anyone contacting Alliance Work Partners regardless of contract status

Children under the age of 18 must have a written, signed release by their guardian who has custody (whether living in the home or not) to attend counseling on their own. This release is given to their affiliate provider. Divorced parents who bring their children in for counseling mustbring a copy of their divorce decree or have signed permission from the other parent before bringing a child into counseling. Grandparents who bring their grandchildren into counseling must have proof of guardianship or written permission from the child’sparents.

life insurance you

keep!

You can qualify by answering just 3 questions – no exams or needles.

DURING THE LAST SIX MONTHS, HAS THE PROPOSED INSURED:

Been actively at work on a full time basis, performing usual duties?

Been absent from work due to illness or medical treatment for a period of more than 5 consecutive working days?

Been disabled or received tests, treatment or care of any kind in a hospital or nursing home or received chemotherapy, hormonal therapy for cancer, radiation, dialysis treatment, or treatment for alcohol or drug abuse?

PureLife-plusispermanentlifeinsurancetoAttainedAge121thatcanneverbecancelledaslongasyoupaythenecessarypremiums.Afterthe GuaranteedPeriod,thepremiumscanbelower,thesame,orhigherthantheTablePremium.Seethebrochureunder”PermanentCoverage”.

PureLife-plusispermanentlifeinsurancetoAttainedAge121thatcanneverbecancelledaslongasyoupaythenecessarypremiums.Afterthe GuaranteedPeriod,thepremiumscanbelower,thesame,orhigherthantheTablePremium.Seethebrochureunder”PermanentCoverage”.

Alleligiblefull-timeemployeesreceivea $25,000BasicLifeInsurancePolicy,whichis fundedbytheDistrict.

Safeguard the most important people in your life.

AT A GLANCE: Accident PlusLifeKeys TravelConnect

ADDITIONAL DETAILS

Conversion:

Continuation of Coverage:

Benefit Reduction:

EmployeeConnect LifeKeys TravelConnect

What your benefits cover

Employee Coverage

Guaranteed Life and AD&D Insurance Coverage Amount

Maximum Life Insurance Coverage Amount

Spouse / Domestic Partner Coverage -

Guaranteed Life and AD&D Insurance Coverage Amount

Maximum Life Insurance Coverage Amount

Dependent Children Coverage -

Guaranteed Life Insurance Coverage Options:

Benefit Exclusions

Questions?

Note: Rates are subject to change and can vary over time. Group

Note: Rates are subject to change and can vary over time.

BASE POLICY BENEFITS

BENEFIT PROVISIONS. We will pay the benefits described in the Certificate for the treatment of an Insured Person’s Cancer, provided he or she is covered under an issued Certificate which remains in force. Payment will be made in accordance with all applicable policy provisions. Benefits are payable for a positive diagnosis that begins after the Effective Date. The positive diagnosis must be for Cancer as defined in the policy.

1.POSITIVE DIAGNOSIS BENEFIT. We will pay the Actual Charge but not to exceed $300 per Calendar Year for one test that confirms the Positive Diagnosis of Cancer in an Insured Person. This benefit is not payable for multiple diagnoses of the same Cancer or for Cancer that metastasizes or for recurrence of the same Cancer.

2.NATIONAL CANCER INSTITUTE DESIGNATED COMPREHENSIVE CANCER TREATMENT CENTER EVALUATION/CONSULTATION BENEFIT We will pay the Actual Charge, but not to exceed a lifetime maximum of $750 , if an Insured Person is diagnosed with Internal Cancer and seeks evalu ation or consultation from a National Cancer Institute designated Comprehensive Cancer Treatment Center. If the Comprehensive Cancer Treatment Center is located more than 30 miles from the Insured Person’s place of residence, We will also pay the transportation and lodging expenses incurred but not to exceed a lifetime maximum of $350 . This benefit is not payable on the same day a Second or Third Surgical Opinion Benefit is payable and is in lieu of the Non-Local Transportation and Lodging Expense Benefits of the Policy. This benefit is payable one time during the lifetime of the Insured Person.

3.SECOND AND THIRD SURGICAL OPINION EXPENSE BENEFIT We will pay the Actual Charge for a written second surgical opinion concerning the recommendation of Cancer surgery and if the second surgical opinion is in conflict with that of the Physician originally recommending the surgery and the Insured Person desires a third opinion, We will the Actual Charge for a written third surgical opinion. The Physician providing the second or third surgical opinion cannot be associated with the Physician who orig inally recommended the surgery. This benefit is not payable the same day the National Cancer Institute Evaluation/Consulting Benefit is payable.

4.MEDICAL IMAGING, TREATMENT PLANNING AND MONITORING EXPENSE BENEFIT We will pay the Actual Charge, but not to exceed $1,000 per Calendar Year, for laboratory tests, diagnostic X-rays, medical images, when used in Cancer treatment plannings related to Radiation Treatment, Chemotherapy or Immunotherapy.

5. ANTI-NAUSEA MEDICATION EXPENSE BENEFIT We will pay the Actual Charge for anti-nausea medication, but not to exceed $150 per calendar month , when an Insured Person is prescribed such medication as the result of Radiation Treatmen t, Chemotherapy or Immunotherapy treatments for Cancer.

6. COLONY STIMULATING FACTOR OR IMMUNOGLOBULIN EXPENSE BENEFIT We will pay the Actual Charge but not to exceed $1,000 per Calendar Month for Colony Stimulating Factor Drugs or Immunoglobulins presc ribed by a Physician or Oncologist during an Insured Person’s Cancer treatment regimen for which benefits are payable unde r the Radiation, Chemotherapy and Immunotherapy Benefit of this Policy or rider attached to it.

7.OUTPATIENT HOSPITAL OR AMBULATORY SURGICAL CENTER EXPENSE BENEFIT We will pay the Actual Charge from an Ambulatory Surgical Center or Outpatient department of a Hospital for the use of its facilities for the performance of a surgical procedure covered under this Policy but not to exceed $350 per day.

8.PROSTHESIS

EXPENSE BENEFIT

(A.) Surgically Implanted Breast Prosthesis We will pay the Actual Charge for a surgically implanted prosthetic device required and prescribed to restore normal body contour lost as the direct result of an Insured Person’s breast removal for the treatment of Cancer. The Surgically Implanted Breast Prosthesis Benefit does not include coverage for breast reconstruction surgery which may be covered under the Surgical Schedule within the Surgical and Anesthesia Benefits Rider.

(B.) Non-Surgically Implanted Prosthesis We will pay the Actual Charge incurred not to exceed $2,000 per amputation for an artificial limb

or other non-surgically implanted prosthetic device that is prescribed and required to restore normal body function lost as the direct result of an Insured Person’s amputation for the treatment of Cancer . We will pay a lifetime maximum of $2,000 per amputation The cost of replacement of a prosthetic device is not covered. Hairpieces or wigs are not covered under this benefit.

9.NON-LOCAL TRANSPORTATION EXPENSE BENEFIT We will pay the Actual Charge, but not to exceed the coach fare on a Common Carrier for the Insured Person and one adult companion’s travel to a Hospital, Radiation Therapy Treatment Cen ter, Chemotherapy Treatment Center, Oncology Clinic or any other specialized treatment center where the Insured Person receives tr eatment for Cancer. This benefit is payable only if the treatment is not available Locally but is available Non-Locally. The adult companion may include the live donor of bone marrow or stem cells used in a bone marrow or stem cell transplant for the Insured Person. At the option of the Insured Person, We will pay a single private vehicle mileage allowance of $.50 per mile for Non-Local transportation in lieu of the common carrier coach fare.

10.LODGING EXPENSE BENEFIT We will pay the Actual Charge not to exceed $75 per day for a room in a motel, hotel or other appropriate lodging facility (other than a private residence), when an Insured Person receives treatment for Cancer at a Non-Local Hospital, Radiation Therapy Treatment Center, Chemother apy Treatment Center, Oncology Clinic or any other specialized treatment center. The room must be occupied by the Insured Person or an a dult companion which may include the live donor of bone marrow or stem cells used in a bone marrow or stem cell transplant for the Insured Person. This benefit is not payable for lodging expense incurred more than 24 hours before the treatment nor for lodging expense incurred more than 24 hours following treatment. This benefit is limited to 100 days per Calendar Year

11.INPATIENT BLOOD, PLASMA AND PLATELETS EXPENSE BENEFIT We will pay the Actual Charge not to exceed $300 per day for the procurement cost, administration, processing and cross matching of b lood, plasma or platelets administered to an Insured Person in the treatment of Cancer while an Inpatient.

12.OUTPATIENT BLOOD, PLASMA AND PLATELETS EXPENSE BENEFIT We will pay the Actual Charge not to exceed $300 per day for the procurement cost, administration, processing and cross matching of blood, plasma or platelets administered to an Insured Person in the treatment of Cancer while an Outpatient.

13.BONE MARROW DONOR EXPENSE BENEFIT We will pay the Daily Hospital Confinement Benefit shown on the Certificate Schedule for each day a live donor, other than the Insured Person, is confined in a Hospital for the harvesting of bone marrow or stem cells used in a bone marrow or stem cell tr ansplant for the treatment of an Insured Person’s Cancer.

14.BONE MARROW OR STEM CELL TRANSPLANT EXPENSE BENEFIT We will pay the Actual Charge not to exceed a lifetime maximum of $15,000 for surgical and anesthesia procedures (including the harvesting and subsequent re-infusion of blood cells or peripheral stem cells) performed for a bone marrow transplant and/or a peripheral stem cell transplant for the treatment of an Insured Person’s Cancer. This benefit will be paid in lieu of the Surgical Expense Benefit and the Anesthesia Expense Benefit which may be described in a rider attached to an issued Certificate.

15.AMBULANCE EXPENSE BENEFIT We will pay the Actual Charge for ambulance service if an Insured Persons is transported to a Hospital where he or she is admitted as an inpatient for the treatment of Cancer . The ambulance service must be provided by a licensed professional ambulance company or an ambulance owned by the Hospital.

16.INPATIENT OXYGEN EXPENSE BENEFIT We will pay the Actual Charge not to exceed $300 per Hospital confinement for oxygen prescribed by a Physician and received by an Insured Person while confined in a Hospital for the treatment of Cancer

17.ATTENDING PHYSICIAN EXPENSE BENEFIT We will pay the Actual Charge not to exceed $40 per day for the professional services of a Physician or Oncologist rendered to an Insured Person while he or she is confined in a Hospital fo r the treatment of Cancer. This benefit is payable only if the Physician or Oncologist personally visits the Hospital room occupied by the Insured Person and the amount stated is the maximum amount that will be payable for each day of Hospital confinement regardless of the number of visits made by one or more Physicians or Oncologists.

18.INPATIENT PRIVATE DUTY NURSING EXPENSE BENEFIT We will pay the Actual Charge not to exceed $150 per day for the full time service of a Nurse that is required and ordered by a Physician when an Insured Person is confined in a Hosp ital for the treatment of Cancer. The Nurse must provide services other than those normally provided by the Hospital and the Nurse may not be an employee of the Hospital or an Immediate Family Member of the Insured Person.

19.OUTPATIENT PRIVATE DUTY NURSING EXPENSE BENEFIT We will pay the Actual Charge not to exceed $150 per day limited to the same number of days of the prior Hospital confinement for the full time service of a Nurse that is required an d ordered by a Physician when an Insured Person is confined indoors at home as the result of Cancer . This benefit is not payable if the services of the Nurse are custodial in nature or to assist the Insured Person in the activities of daily living. This benefit is not paya ble when the Nurse is a member of the Insured Person’s Immediate Family. Charges mus t begin following a period of Hospital confinement for which benefits are payable under this Certificate.

20.CONVALESCENT CARE FACILITY EXPENSE BENEFIT We will pay the Actual Charge not to exceed $100 per day for an Insured Person’s confinement in a Convalescent Care Facilit y. The maximum number of days for which this benefit is payable will be the number of days in the last Period of Hospital Confinement that immediately preceded admission to a Convalescent Care Facility. The Convalescent Care Facility Confinement must: be due to Cancer ; begin within 14 days after the Insured Person has been discharged from a Hospital for the treatment of Cancer ; be authorized by a Physician as being medically necessary for the treatment of Cancer.

21.RENTAL OR PURCHASE OF MEDICAL EQUIPMENT EXPENSE BENEFIT We will pay the lesser of the Actual Charge not to exceed $1,500 per Calendar Year for either the rental or purchase of covered medical equipment designed for home use, required and ordered by the Insured Person’s attending Physician as the direct result of the treatment of Cancer. Covered medical equipment includes wheel chair, oxygen equipment, respirator, braces, crutches or hospital bed .

22.HOME HEALTH CARE EXPENSE BENEFIT We will pay benefits for the following Covered Charges when a Insured Person requires Home Health Care for the treatment of Cancer.

1. Home Health Care Visits - We will pay the Actual Charge for Home Health Care Visits not to exceed $75 for each day on which one or more such visits occur. We will not pay this benefit for more than 60 days in any Calendar Year.

2. Medicine and Supplies - We will pay the Actual Charge not to exceed $450 in any Calendar Yea r for drugs, medicine, and medical supplies provided by or on behalf of a Home Health Care Agency.

3. Services of a Nutritionist - We will pay the Actual Charge not to exceed a lifetime maximum of $300 for the services of a nutritionist to set up programs for special dietary needs.

23.HOSPICE CARE EXPENSE BENEFIT We will pay the Actual Charge for Hospice Care not to exceed $100 per day , when such care is required because of Cancer . This benefit is payable whether confinement is required in a Hospice Center or services are provided in the Insured Person’s home by a Hospice Team. Eligibility for payments will be based on the following conditions being met:(1) the Insured Person has been given a prognosis as being Terminally Ill with an estimated life expectancy of 6 months or less; and (2) We h ave received a written summary of such prognosis from the attending Physician. We will not pay this benefit while the Insured Person is confined to a Hospital or Convalescent Care Facility. The lifetime maximum benefit is 365 days of Hospice Care

24.HAIRPIECE EXPENSE BENEFIT We will pay the Actual Charge not to exceed a lifetime maximum of $150 for the purchase of a wig or hairpiece that is required as the direct result of hair loss due to Cancer treatment

25.PHYSICAL,

SPEECH, AUDIO THERAPY AND PSYCHOTHERAPY EXPENSE BENEFIT

We will pay the Actual Charge not to exceed $25 per therapy session for:

1.Physical therapy treatments given by a license Physical Therapist, or

2.Speech therapy given by a licensed Speech Pathologist/Therapist; or

3.Audio therapy given by a licensed Audiologist; or

4.Psychotherapy given by a licensed Psychologist. These sessions may be given at an institute of physical medicine and rehabilitation, a Hospital, or the Insured Person’s home. These treatments must be given on an Outpatien t basis unless the primary purpose of a Hospital confinement is for treatment of Cancer other than with physical, speech or audio therapy or psychotherapy. Benefits may not exceed $1,000 per Calendar Year.

26.WAIVER OF PREMIUM. We will waive the premiums starting on the first premium due date following a 60 day period of Total Disability of the Named Insured due to Cancer. The Named Insured must: (a) be receiving treatment for such Cancer for which benefits ar e payable under this Certificate; and (b) remain disabled for 60 consecutive days. We will waive premiums for as long as the Named Insured remains Totally Disabled.

THIS IS A CANCER ONLY POLICY, which should be used to supplement your existing health care protection.

RENEWABILITY. Coverage will terminate when the Group Master Policy terminates or when required premium remains unpaid after expiration of the Grace Period.

PREMIUM RATES. We may change the premium rates for coverage only if we also change the rates for all other Certificates issued under the Group Master Policy.

EXCLUSIONS AND LIMITATIONS. No benefits will be paid under the Certificate or any attached riders for: 1. any loss due to any disease or illness other than Cancer, or a listed covered Specified Disease; 2. care and treatment received outside the territorial limits of the United States; 3. treatment by any program engaged in research that does not meet the criteria for Experimental Treatment as defined; 4. treatment that has not been approved by a Physician as being medically necessary; or 5. losses or medical expenses incurred prior to the Certificate Effective Date of an Insured Person’s coverage regardless of the Date of Positive Diagnosis.

PRE-EXISTING CONDITIONS LIMITATION. Relative to any Insured Person, We will not pay benefits for expenses resulting from Pre-existing Conditions during the 12 months after coverage becomes effective for such Insured Person.

“Pre-existing Condition” means Cancer, or a listed Specified Disease if that optional rider is issued, which was diagnosed by a Physician or for which medical consultation, advice or treatment was recommended by or received from or sought from a Physician within 1 year prior to the effective date of coverage for each Insured Person.

Insurance coverage is provided by form number series LG- 6040 and associated riders. This advertisement highlights some features of the Certificate and riders, but is not the insurance contract. An is sued Master Group Policy, Certificate and riders set forth, i n detail, the rights and obligations of both the insured and the insu rance company. Please read the policy, certificate and riders for detailed coverage information.

ANNUAL CANCER SCREENING BENEFIT RIDER (form LG-6041) A.Basic Benefit B.Additional Benefit

FIRST OCCURRENCE BENEFIT RIDER (form LG-6043)

ANNUAL RADIATION, CHEMOTHERAPY, IMMUNOTHERAPY and EXPERIMENTAL TREATMENT BENEFIT RIDER (form LG-6045)

SURGICAL BENEFIT RIDER (form LG-6048) Surgical

the

issued.

DAILY HOSPITAL CONFINEMENT BENEFIT RIDER (form LG-6042)

Confinements of 30 Days or Less

Confinements of 31 Days or More

Benefits for an Insured Dependent Child under Age 21 double the Daily Hospital Confinement benefit

Specified Disease Benefit

SPECIFIED DISEASE BENEFIT RIDER (form LG-6052)

COVERS THESE 38 SPECIFIED DISEASES

Addison’s Disease

Amyotrophic Lateral Sclerosis

Botulism

Bovine Spongiform Encephalopathy

Budd-Chiari Syndrome

Cystic Fibrosis

Diptheria

Encephalitis

Epilepsy

Hansen’s Disease

Histoplasmosis

Legionnaire’s Disease

Lyme Disease

Lupus ErythematosusRocky Mountain Spotted Fever

Malaria

Meningitis

Multiple Sclerosis

Muscular Dystrophy

Myasthenia Gravis

Sickle Cell Anemia

Tay-Sachs Disease

Tetanus

Toxic Epidermal Necrolysis

Tuberculosis

Neimann-Pick DiseaseTularemia

Osteomyelitis

Poliomyelitis

Q Fever

Rabies

Reye’s Syndrome

Rheumatic Fever

BENEFITS

Typhoid Fever

Undulant Fever

West Nile Virus

Whipple’s Disease

Whooping Cough

Oneunit of coverage is included for the premium rates.

Optional Rider – Hospital Intensive Care Unit Benefit Rider

*Additional Limitations and Exclusions for the Hospital Intensive Care Unit Benefit Rider

ALL BENEFITS CONTAINED IN THIS HOSPITAL INTENSIVE CARE UNIT BENEFIT RIDER REDUCE BY ONE -HALF AT AGE 75.

COVERAGE OPTIONS

is guaranteed provided you are actively at work.3

Spouse/Domestic Partner1 100%of the employee’s Initial Benefit Coverage is guaranteed provided the employee is actively at workand the spouse/domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.3 Dependent Child(ren)2 100%ofthe employee’s Initial Benefit Coverage is guaranteed provided the employee is actively at workand the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.3

BENEFIT PAYMENT

Your Initial Benefit provides a lump-sum payment upon the first diagnosis of a Covered Condition. Your plan pays a Recurrence Benefit4 for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer. A Recurrence Benefitis only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences.

The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit and is 3 times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum of 300% or $30,000or $60,000.

Please refer to the table below for the percentage benefit amount for each Covered Condition.

22 Listed Conditions

MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount for each of the 22 Listed Conditions until the Total Benefit Amount is reached. A Covered Person may only receive one payment for each Listed Condition in his/her lifetime. The Listed Conditions are Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease;malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.

Example of Initial & Recurrence Benefit Payments

The example below illustrates an employee who elected an Initial Benefit of $10,000 and has a Total Benefit of 3 times the Initial Benefit Amount or $30,000.

SUPPLEMENTAL BENEFITS

MetLife provides coverage for the Supplemental Benefits listed below. This coverage would be in addition to the Total Benefit Amount payable for the previously mentioned Covered Conditions.

Health Screening Benefit10After your coverage has been in effect for thirty days, MetLife will provide an annual benefit* of $50or $100 per calendar year for taking one of the eligible screening/prevention measures. MetLife will pay only one health screening benefit per covered person per calendar year. For a complete list of eligible screening/prevention measures, please refer to the Disclosure Statement/Outline of Coverage.

INSURANCE RATES

MetLife offers competitive group rates and convenient payroll deduction so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below.

How do I enroll?

QUESTIONS & ANSWERS

Enroll for coverage at USB School Groups-San Marcos Employer website.

Who is eligible to enroll?

Regular active full-time employees who are actively at work along with their spouse/domestic partnerand dependent childrencan enroll for MetLife Critical Illness Insurance coverage.3

How do I pay for coverage?

Coverage is paid through convenient payroll deduction.

What is the coverage effective date?

The coverage effective date is 09/01/2018.

If I Leave the Company, Can I Keep My Coverage? 11

Under certain circumstances, you can take your coverage with you if you leave. You must make a request in writing within a specified period after you leave your employer. You must also continue to pay premiums to keep the coverage in force.

Who do I call for assistance?

Contact a MetLife Customer Service Representative at 1 800-GET-MET8 (1-800-438-6388), Monday through Friday from 8:00 a.m. to 8:00 p.m., EST. Individuals with a TTY may call 1-800-855-2880.

Footnotes:

1 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.

2 Dependent Child coverage varies by state. Please contact MetLife for more information.

3 Coverageis guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

4 We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Canceror a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period

5 Please review the Disclosure Statement or Outline of Coverage/Disclosure Documentfor specific information about cancer benefits.Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount.For NH-sitused cases and NH residents, there is an initial benefit of $100 for All Other Cancers.

6 In certain states, the covered condition is Severe Stroke.

7 In NJ sitused cases, the Covered Condition is Coronary Artery Disease.

8 Please review the Outline of Coveragefor specific information about Alzheimer’s disease.

10 The Health Screening Benefit is not available in all states. See your certificate for any applicable waiting periods.There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT.

11 Eligibility forportability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

METLIFE’S CRITICAL ILLNESS INSURANCE (CII)IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a preexisting condition exclusion. In most states, after a covered condition occurs there is a benefit suspension period during which most plans do not pay recurrence benefits. Attained Agerates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. A more detailed description of the benefits, limitations, and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI or GPNP09-CI, orcontact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

Save money with FSA pretax benefit accounts.

A Flexible Spending Account (FSA) puts more money in your pocket by reducing your taxable income when you contribute pretax dollars to pay for common expenses like these:

HEALTHCARE

Medical/dental office visit co-pays

Dental/orthodontic care services

Prescriptions, vaccinations, and OTC

Eye exams; prescription glasses/lenses

DEPENDENT CARE

Daycare expenses

Before & after school care

Nanny/nursery school

Elder care

• Determine your elections based on your estimated out-of-pocket expenses for the year

• Your employer may offer other types of Benefit Accounts too; ask for details

• For a complete list of eligible expenses, see IRS Publications 502 & 503 at irs.gov

Increase your take-home pay by reducing your taxable income.

Each $1 you contribute to your FSA reduces your taxable income by $1. With less tax taken, your take-home pay increases!

Consider this example: (for illustration only)

Richard has:

• Gross monthly pay of $3,500

• $600 per month in eligible expenses

Here is his net monthly take-home pay:

That’s a net increase in take-home pay of $166 every month!

To estimate potential savings based on your income and expenses, use the Tax Savings Calculator at www.tasconline.com/tasc-calculators

See how easy it is to start saving with a TASC Benefit Account. See details on reverse.

How to participate.

It’s easy to start saving with an FSA. Just follow 3 simple steps:

1. D ECIDE how much you want to contribute.

Check with your employer for plan specifics and review at the IRS limits at www.tasconline.com/benefits-limits

The more you contribute, the lower your taxable income will be. However, it’s important to be conservative when choosing your annual contribution based on your anticipated qualified expenses since:

• The money you contribute to your benefit account can only be used for eligible FSA expenses.

• Any unused FSA funds at the close of the plan year are not refundable to you. (A grace period or carryover option may be in place for your plan. Check with your employer for plan guidelines and allowances.)

2. E N R OLL by completing the enrollment process.

Your contribution will be deducted in equal amounts from each paycheck, pretax, throughout the plan year.

Your total annual contribution to a Healthcare FSA will be available to you immediately at the start of the plan year. Alternatively, your Dependent Care FSA funds are only available as payroll contributions are made.

3.ACCESS

your funds easily using the TASC Card.

This convenient card automatically approves and deducts most eligible purchases from your benefit account with no paperwork required. Plus, for purchases made without the card, you can request reimbursement online, by mobile app, or using a paper form.

Reimbursements happen fast—within 12 hours—when you request to have them added to the MyCash balance on your TASC Card. You can use the MyCash balance on your card to get cash at ATMs or to buy anything you want anywhere Mastercard is accepted!

START by making a conservative estimate of how much you expect to spend on eligible out-of-pocket expenses for the year.

COMPARE your estimate to the IRS limits. If your estimate is higher than these annual contribution limits, consider making the maximum contribution allowed.

MyCash Account: Included on your TASC Card for faster reimbursement deposits and non-benefit purchases.

TASC Mobile App: Track and manage all benefits and access numerous helpful tools, anywhere and anytime! Search for “TASC” (green icon).

Questions? Ask your employer or contact your Plan Administrator: Total Administration Services Corporation

• www.tasconline.com

• 1-800-422-4661

This Mastercard is administered by TASC, a registered agent of Pathward. Use of this card is authorized as set forth in your Cardholder Agreement. The card is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

San Marcos Consolidated ISD

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•Fiduciary Trust Intl-Franklin Templeton

•GWN/Employee Deposit Acct

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•Industrial Alliance - (Sec.Ben.)

•Invesco OppenheimerFunds

•ISC Group Inc

•Jackson National Life III

•Lincoln National

•Midland National Life Insurance

•National Life Group (LSW)

•North American Company 2

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•Orion Portfolio Solutions, LLC (Formerly FTJ FundChoice)

•PenServ SmartSAV (formerly Foresters)

•PlanMember Services Corp.

•RBFCU Retirement Program

•ROTH - Consolidated Financial Corp.-GAFRI

•ROTH - Equitable (formerly AXA)

•ROTH - Industrial Alliance - (Sec.Ben.)

•ROTH - Invesco OppenheimerFunds

•ROTH - ISC Group Inc

•ROTH - National Life Group (LSW)

•ROTH - Orion Portfolio Solutions, LLC (Formerly FTJ FundChoice)

•ROTH - PenServ SmartSAV (formerly Foresters)

•ROTH - RBFCU Retirement Program

•ROTH - Security Benefit

•Security Benefit

•TransAmerica

•Vanguard Fiduciary Trust Co.

•Victory Capital (USAA Mutual Funds)

The Ultimate Peace of Mind for Employees and Their Families

The Harrison’s Story

• Jim and his family were at a local festival when his daughter, Sara, suddenly began experiencing horrible abdominal and back pain, after a fall from earlier in the day.

• His wife, Heather, called 911 and Sara was transported to a local hospital, when it was decided that she needed to be flown to another hospital.

• Upon arrival, Sara underwent multiple procedures and her condition was stabilized.

• After further testing, it was discovered that Sara needed additional specialized treatment at another hospital requiring transport on a non-emergent basis.

Based on a true story. Names were changed to protect identities in compliance with HIPAA.

And then, the Bills came!

Any Ground. Any Air. Anywhere.TM

No matter how comprehensive your local in-network coverage may be, you still have significant exposure to out-of-network emergency transportation. Moreover, when you and your family travel outside your area, there is an 80% chance of being picked up by an out-of-network provider.

A MASA Membership prepares you for the unexpected. ONLY MASA MTS provides you with:

• Coverage ANYWHERE in all 50 states and Canada whether at home or away

• Coverage for BOTH emergent ground ambulance and air ambulance transport REGARDLESS of the provider

• Non-emergent transport services, which are frequently covered inadequately by your insurance, if at all For more information, please contact your local MASA MTS representative or visit www.masamts.com

EMERGENCY TRANSPORTATION COSTS

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.

HOW MASA IS DIFFERENT

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.™