Leakey ISD What You Need to Know

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Important TRS and Enrollment Information The plan year for Leakey ISD is September 1 - August 31 of each year. Open Enrollment for returning employees will be held July 1st until August 22, 2017. Per ACA requirements, EVERY employee is required to log into the Benefits HUB and list dependents weather you plan coverage for them of not. Please review personal information and elect or decline medical or other supplemental benefits. Remember: To make a mid-plan year change to you benefits, you must have a Qualifying Event. Examples: Marriage (including same-sex marriages), Divorce, Birth or Adoption, Death, Change in Dependent Eligibility Status, etc.

Coverage Every Employee Needs Medical Disability Life Retirement

Prescription Coverage

TRS 2017/18 ACTIVE CARE MEDICAL RATES

ActiveCare 1-HD is an HDHP and is HSA eligible. Health Savings Account An HSA works with a High Deductible Health Plan (HDHP) and lets you set aside a portion of your paycheck – before taxes – into an account to help you pay for medical, dental, vision and prescription expenses. ActiveCare 1-HD is an HDHP and is HSA eligible. 2017 Annual Maximums: $3400 for Individual $6750 for Family Your HSA stays with you, even if you change jobs. An HSA’s balance WILL rollover every year. Only the balance in your account is available for you to use. Unlike an FSA, contributions to an HSA are NOT up-fronted to you. At 65 you can withdraw your funds to use as you like. It becomes taxable income if you withdraw. 8

Flexible Spending Accounts AN FSA IS A TAX FREE ACCOUNT FOR YOUR OUT-OF-POCKET MEDICAL EXPENSES. 2017 Annual Maximum: $2600 It is easy to use--just swipe it as a payment for your eligible medical, dental, vision and, prescriptions expenses) The expenses are automatically deducted from your FSA balance. All participants of FSA receive a flex card at NO COST! Employees will receive 1 NBS flex cards You will receive your new NBS debit card mid-September. DEPENDENT CARE FSA IS A TAX FREE ACCOUNT FOR YOUR CHILDCARE EXPENSES. Annual Maximum - $5,000 for married couple filing jointly or $2,500 if filing single.

MEDLink® Plan by APL MEDlink is designed to supplement your employer’s medical plan. This plan provides supplemental coverage to help offset out-of-pocket costs that you may experience due to deductibles and coinsurance of your employer’s medical plan. In-Hospital Benefit Pays expenses you incur as an Inpatient (at least 18 continuous hours) $1500 or $2,500 per confinement Out-patient Benefit Pays up to $200.00 per treatment in: Outpatient surgery in a Outpatient Facility Outpatient surgery in a free-standing Outpatient Surgical Center Diagnostic testing in a Hospital Outpatient Facility Diagnostic testing in a MRI Facility Physician Outpatient Treatment $125 per family per year All benefits for the same or related conditions will be subject to the maximum benefit, unless such conditions are separated by 90 consecutive days, then a new maximum out-patient benefit will apply. You are NOT eligible if: Covered by TRS-Care, Medicare, Medicaid or Medical Savings Accounts. Have an actively funded HSA Employees (or their dependents) who are not covered under the school’s major medical plan. Non-residents of the USA. Employees not actively at work on 9/1

Additional Supplemental Benefits Dental by Cigna Increase for 2017-2018 Plan year High Plan covers each person for $1500 per year & $50 deductible per person. Staying in network gives you more bang for your buck! Low Plan covers each person for $750 per year & $50 deductible per person. No out of Network on Low Plan Preventive Benefits covered at 100% in both plans DHMO Plan is a Discount Plan and you must choose a Network Provider Vision by Superior No Changes for 2017-2018 Plan year $10 Copay for exam and $25 Copay for materials up to $125 & $120 for Contact Lenses $25 fitting fee — Discounts Features for certain add-ons. See a In Network Provider to stretch your coverage dollars

Cancer Plan with American Public Life Additional Supplemental Benefits Disability with Unum Protection for you pay check up to 66 2/3 Elimination periods from 7 to 180 days In-Hospital Benefit Waiver for 7/14/30 day Waiting Periods Pre-existing applies if medical condition is present 3 months prior to Sept 1 Life Insurance with Cigna Basic Life $20000 paid by LEAKEY ISD and you must designate a beneficiary Guarantee Issue for new employees for additional Life Insurance up to 200k for employee - 50K for spouse and 10k for Children Current enrollees can increase coverage but must submit Evidence of Insurability Cancer Plan with American Public Life No Changes for 2017-2018 Plan year Guaranteed Issue; 12 month waiting period for any pre-existing conditions Helps offset costs not typically covered by Medical Insurance such as Radiation and Chemotherapy, Lodging, Transportation, Experimental Treatments, second and third opinions and much more….

New Individual Life Insurance with 5 Star Additional Supplemental Benefits AD&D by Cigna Very affordable life coverage for accidental death and dismemberment / Family coverage 100% for employee 50% for spouse and 10% for children No rate or plan changes for 2017- 2018 Plan year New Individual Life Insurance with 5 Star Term Life Insurance to age 100 Price locks in at your current age Cover your spouse, children and grand children and not yourself. It’s portable you can take it with you. Guarantee Issue – First Year Only Quality of life benefit If you lose 2 of the Activities of Daily Living have Dementia or Alzheimer's it pays up to 75% of your benefit Current Texas Life will be grandfather and payroll deducted

New Benefits Critical Illness with Aflac This plan provides a cash benefit when a person is diagnosed with or treated for a covered critical illness such as Heart Attack, Stroke, Kidney failure and Cancer Guaranteed Issue No pre-existing No waiting periods It is Portable Comes with a health screening preventive reimbursement of $50 Medical Transport Solutions By MASA Finally a ZERO out of pocket expense for any emergent air or ground transport REGARDLESS of who transports you or your family members No claim forms No deductibles No network No dollar limits Coverage anywhere in the United States Children to age 26 and Household Coverage $9.00 a month covers family

Telehealth by MDLive This benefit is FREE to all CHISD employees! MD Live provides access to U.S. based licensed physicians for phone consultations 24/7/365, even on holidays! The doctor will evaluate. diagnose and prescribe medication (as appropriate) for common conditions, such as: Allergies Cold & Flu Infections Nausea Sinus Conditions Rashes Unlimited calls for you and your household. Saves you time and money!

is here to serve YOU! Sherry Skidmore Account Executive 210-563-9944 Jim Ornelas Benefits Specialist 210-904-6415