1. Leakey ISD
What You Need to Know

2. Online Benefit Access 24/7
Your Benefits Website:

3. Log On Page

4. 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.

5. Coverage Every Employee Needs
Medical
Disability
Life
Retirement

7. Prescription Coverage

8. TRS 2017/18 ACTIVE CARE MEDICAL RATES

9. 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

10. 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.

11. 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 $ 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

12. Additional Supplemental Benefits
Dental by Cigna
Increase for 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 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

13. 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 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….

14. 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 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

15. 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

16. 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!

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