Humble ISD Benefits

New Hires with a date of hire of 08/01/2015 or before 08/01/2015 will have TWO benefit enrollments to complete. 1.The first enrollment will be your initial benefits enrollment period that must be completed within 31 days of your date of hire (first day at work). Your benefits will begin 08/01/2015 and end on 08/31/2015 due to the end of the plan year. 2.The second enrollment is OPEN ENROLLMENT for benefits that begin on 09/01/2015 (Please refer to the New Hire Benefit Enrollment Processing Guideline Requirements with Humble ISD included in your New Hire Packet). If you need additional assistance, contact your Benefits Administrator Tammye Vaughn. DON’T FORGET, YOU MUST ENROLL TWICE!

New Hires with a date of hire of 8/02/2015 or later MUST complete their initial benefits enrollment within 31 days of their date of hire (first day at work with Humble ISD.) This will be your only opportunity to enroll in your benefits which will begin 09/01/2015.

What you need to know: Benefits for Humble ISD run on a PLAN YEAR: The benefit plan year begins every year on September 1 st and ENDS on August 31 st. Your benefit elections will remain in effect for the plan year unless you experience a Qualifying Event that will allow a mid-year change. You can expect to receive your insurance cards within 3-4 weeks AFTER completing your benefits enrollment. Some benefits will allow you to print your own insurance card:

Bookmark and/or Save the following link to your Favorites on your computer! After selecting your school district, Your Benefits page will direct you to your Medical, Dental, Vision, Disability, etc. web pages and links. You can also find claim forms, print temporary ID cards, check your FSA, and review your benefits all year long. Be sure to use the “Contact US” feature anytime you have questions about your benefits or logging in!

Benefits Available to Humble ISD Employees Medical Telehealth Employee Assistance Program (EAP) Dental Vision Disability Cancer Term Life Accidental Death and Dismemberment Health Savings Accounts Flexible Spending Accounts

Telehealth with HealthiestYou This benefit gives you access to telephone consultations with a licensed physician for evaluation, diagnosis, and prescription medication, as appropriate, for minor illness 24/7/365- even holiday! Covers your entire family, regardless if you are on a medical plan or not. NO CONSULTATION FEES! This benefit is currently covered by Humble ISD. Current Benefits

Employee Assistance Program with DeerOaks Current Benefits An EAP provides free and confidential assessment, short-term counseling, prevention, education, and referral services to you and your eligible dependents. Trained counselors are available 24/7/365. Currently, this benefit is covered by Humble ISD.

Employee Assistance Program-DeerOaks EAP continued… An EAP covers the following types of problems: – Stress, Tension, Anxiety – Depression, Grief – Anger Management – Marital/Family Problems – Work-Related Difficulties – Legal/Financial Concerns – Health and Wellness Issues – Trauma Recovery – Substance Abuse Resolving personal concerns can help you: −Increase your morale and well-being −Stay focused on your goals −Achieve a healthy balance in your life −Establish positive relationships −Remain Productive and Efficient −Decrease your overall stress level

Health Saving Account Current Benefits Health Savings Account Plan (HSA) High Deductible Insurance Savings Account You must be enrolled in the ActiveCare 1-HD plan Helps pay your deductible Tax-deductible deposits Tax-deferred growth + Funds contributed never expire and can accumulate year after year Maximums are $3,350 for individual and $6,550 for family. 55+ have an additional “catch-up” contribution of $1,000. Funds can be fully withdrawn at retirement for any purpose (applicable taxes will be due).

Cigna PPO Dental High Plan – Plan Year Maximum starts at $1,000 – $50 Deductible/$150 Family Class 2 is covered at 70% Class 3 is covered at 50% Ortho covers 50% up to $1,000 Lifetime Max. Low Plan! – Plan Year Maximum starts at $1,000 – $50 Deductible/$150 Family Class 2 is covered at 50% Class 3 is covered at 50% Ortho covers 50% up to $1,000 Lifetime Max Must stay IN-NETWORK! Discussion If you need more coverage, select the High Plan. If your dentist is IN-NETWORK and you don’t need a lot of coverage, select the Low Plan. High PlanRates Employee Only $37.14 Employee + Spouse $73.02 Employee + Child(ren) $74.26 Employee + Family $ Low Plan Rates Employee Only $30.00 Employee + Spouse $60.00 Employee + Child(ren) $59.00 Employee + Family $ Core Product Updates

Superior Vision $10 Copay for Exam $25 Materials Copay – Exam Paid-in-Full* *Must use a Participating provider! – Frames covered up to $130 – Lenses (Clear, Standard, Glass or Plastic includes scratch resistant and polycarbonate lenses) Single Vision* Bifocal* Trifocal* Progressives* Lenticular* Scratch Coating* Polycarbonate* – Contact Lenses (in lieu of glasses) Up to $150 Elective* Paid in Full if Medically Required* – $200 Laser Correction Allowance CoverageRates Employee Only $7.40 Employee + Spouse $15.40 Employee + Child(ren) $16.00 Employee + Family $ Existing Product Updates

Disability though Aetna Disability insures your most important asset-your ability to work and earn a living. As of December 2013, according to the Social Security Basic Facts sheet, “Just over 1 in 4 of today’s 20 year-olds will become disabled before reaching the age 67.” Product Updates

Disability continued… 1. Select the Maximum Benefit Period (how long you want your disability to potentially cover you due to sickness or injury). Option A: To age 65 Option B: Up to 2 Years 2. Select the Waiting Period (This is the time in which you must be continuously disabled before filing a claim.) 0/7, 14/14, 30/30, 60/60, 90/90, 180/180 *1 st Day Hospital Benefit is available to the 0/7, 14/14,and 30/30 waiting periods. If you are hospitalized as an in-patient for 24 hours or more, the waiting period is waived. 3. Select your Monthly Benefit Amount, from $200 up to 66 2/3% of your monthly earnings. **Any Pre-Existing conditions or disability that occurs before September 1 st will NOT be covered** Product Updates

Term Life with Aetna $10,000 Basic Life offer as Employer Paid to each employee $200K GI for New Employees, $30K for Spouses $5K or 10K for Child dependents *NO HEALTH QUESTIONS ASKED!* Eligible employees can get up to $750K (not to exceed 7x Salary) Must complete EOI if over the Guaranteed Issue amount You can elect up to maximum amount of $375,000 for your spouse, but you will need to complete an EOI to obtain coverage greater than the $30,000 GI amount. Rates are based on Age. As you get older, your premium can increase. Once you reach age 65, your benefit amount will reduce 35% of the initial amount. One you reach age 70, the benefit amount will reduce 50% of the initial amount. Accidental Death and Dismemberment (AD&D) with Aenta **This benefit is available effective September 1 st 2015 Accidental Death and Dismemberment pays an addition benefit amount in the event a death were to occur from a covered accident. A specified benefit amount is also covers any eligible bodily loss due to a covered accident. Employees may choose to elect an amount equal to the coverage elected for the Term Life coverage. (Employees must be enrolled in the Term Life to elect the AD&D coverage) Product Updates

Loyal American Cancer Plan Your cancer insurance is through Loyal American. Cancer insurance is designed to help cover expenses that a medical insurance won’t typically cover such as transportation, lodging, prosthetics, hair pieces, etc. Your cancer insurance is Guaranteed Issued, which means even if you have had cancer treatment before, you are still eligible for this benefit. – Please note there is a 12 month waiting period for any pre- existing conditions. Product Updates

Loyal American Cancer Plan Two Options, Plan A or Plan B. Both plans offer an Annual Cancer Screening benefit, up to $100 for Plan A; up to $50 for Plan B. First Occurrence benefit, Daily Radiation, Chemotherapy, Immunotherapy, Experimental Treatment benefit available in both plan options. Transportation and Lodging benefit available. Specified Disease Rider, covers 38 Specified Diseases, if an insured person is first diagnosed with one or more covered Specified Diseases and is hospitalized for the definitive treatment. ICU benefit option is available for both plans at an additional cost. More information on this benefit is available at Product Updates

– Flexible Spending Accounts : Contribute up to $2,500 to your Flexible Spending Account Use-It or Lose- It Use toward eligible medical expenses such as co-pays, prescriptions, vision, and dental costs, and more Must re-enroll every year Cannot have both a FSA and HSA – Dependent Care Use pre-tax dollars to contribute up to $5,000 per year toward child care expenses. Must file paper claim Additional Items

Remember, cards can take up to 3 weeks for delivery. You can print off Medical, Dental and Vision cards through your Benefit Website! Go to the Provider Search links located on your Benefit Website to make sure your doctor is in the network! Use the Contact Us Tool for any benefit questions.

How do I enroll? CLICK – Visit and click the Login button. The instructions will direct you how to login! CALL – Enroll over the phone! Call to speak with a representative and enroll in your benefits! When can I enroll? You can enroll right now! But don’t delay. The longer you wait to enroll, the longer it will take for you to receive your benefit cards! Enrollments

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