Issuu

Benefits Guide

2026 - 2027 Effective October 1st, 2026

Summary for Review Purposes Only

INSIDE THIS GUIDE

Eligibility......................................................... 1 Take Action Reminders.................................. 2 Benefits Portal................................................ 3 Campus Benefits Enrollment....................... 4 Prepare for Enrollment ................................ 5 Campus Benefits Service Hub/Support....... 6 Employee Assistance Program..................... 7 Disability Insurance...................................... 8-9 Life Insurance 101..........................................10 Voluntary Term Life & AD&D Insurance..... 11 Permanent Life Insurance............................ 12 Vision Insurance........................................... 13 Dental Insurance...................................... 14-15 Cancer Insurance.......................................... 16 Critical Illness Insurance W/Cancer Benefit...17 Wellness Information.................................... 18 Hospital Indemnity Insurance..................... 19 Accident........................................................... 20 Legal Plan....................................................... 21 PEEHIP State Medical Insurance.................. 22 PEEHIP Telemedicine.................................... 23 Additional Benefits Information.................. 24 Notes.............................................................. 25

Eligibility • •

CHICKASAW CITY SCHOOLS CONTACTS Renee Reaves Accounting Assistant rreaves@chickasawschools.com Chris Arras CFSO carras@chickasawschools.com Tobey Sprague Central Office Accounting Clerk tsprague@chickasawschools.com Payroll Questions payroll@chickasawschools.com Need Help? Start Here: mybenefits@campusbenefits.com 1.866.433.7661, opt 5

Generally, full-time employees working 20 or more hours per week are eligible to enroll in the benefits described in this guide. Specific plan eligibility is listed on the top of each page. Specific employee and dependent eligibility rules are governed by each plan’s policy document/certificate, which is available on your employee benefits website, or by contacting Campus Benefits.

How to Enroll • • • •

The first step is to review your current benefit elections. Verify your personal information and make any changes if necessary. Make your benefit elections as well as list your beneficiaries. Once you have made your elections, you will not be able to make changes until the next Open Enrollment period unless you have a qualified life event.

When to Enroll • • •

New Hire: Enroll within 30 days of your date of hire. The annual PEEHIP enrollment period is held in the summer (August - September). The annual Campus enrollment period is held in the summer (August - September).

•

The effective date of coverage for benefits depends on your hire date. Typically, Campus Benefits will begin the first of the month following date of hire. PEEHIP benefits will begin either first of the month of the hire month, or first of the month following date of hire. Employees must be actively at work on the effective date of coverage.

When do Benefits Begin

•

How to Make Changes • • •

Once you make your benefit elections as a new hire or during Open Enrollment, you cannot make changes to those elections until the next Open Enrollment period. The only exception is a qualifying life event which allows you to make eligible changes to your benefit elections during the plan year. To submit a qualifying life event, email: mybenefits@campusbenefits.com or call 1.866.433.7661, opt 5.

Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Benefits Guide 2026-2027

Version #08312026

IMPORTANT REMINDER - TAKE ACTION • • • • •

Eligibility for benefits enrollment must take place within 30 days of your hire date. Remember: Please review and/or update beneficiaries annually for all benefits including Voluntary Term Life & AD&D and Permanent Life policies. Important: Review and Understand Guaranteed Issue Options (New Hires). Life Events - You are required to submit any life event changes for you and eligible dependents within 30 days of an event. This Guide - This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important you review each benefit’s summary plan description (SPD) and other carrier materials before making any selections.

There are two separate benefit enrollments: 1. Campus Benefits Voluntary Benefits 2. PEEHIP Medical Insurance

*Benefits enrollment must take place within 30 days of hire date

How to Enroll in Campus Benefits How to Enroll in your State Voluntary Benefits Health Benefit Medical Plan 1. Visit www.chickasawbenefits.com

1. Visit www.chickasawbenefits.com

2. Select the “Enroll” tab or the

2. Select the “PEEHIP Enrollment” tab

“Campus Connect” tab 3. Follow the on-screen instructions OR

4. Contact Campus Benefits at 1.866.433.7661, opt 5 •

Plan year is 10/1 - 9/30

•

Annual open enrollment occurs August/ September

3. Select “PEEHIP for New Employees” (Refer to the PEEHIP section of this guide for additional details) OR

4. Contact PEEHIP at 1.877.517.0020 •

Plan year is 10/1 - 9/30

•

Annual open enrollment occurs August/ September

Benefits Guide 2026-2027

BENEFITS PORTAL! www.chickasawbenefits.com

What can you find on the Benefits Portal? • • • •

Plan Highlight Sheets Policy Documents and Certificates Claim Forms Links to Carrier Websites

What can the Service Hub assist you with? • • • •

Claims Card Requests Benefit Questions Qualified Life Events

Benefits Guide 2026-2027

CAMPUS BENEFITS ENROLLMENT INSTRUCTIONS Website: www.chickasawbenefits.com

Company Identifier: COCBOE22

1 2 3

Visit: www.chickasawbenefits.com

Select “Campus Connect” to log in

1. Enter your username 2. Enter your password 3. Click “LOGIN” 4. Click on the “Start Benefits” button and begin the enrollment process Frequently Asked Questions

New User Registration

1. On Login page click on “Register as a new user” and enter information below • • • • •

First Name Last Name Company Identifier: COCBOE22 PIN: Last 4 Digits of SSN Birthdate

2. Click “Next” 3. Username: Work email address or one you have provided to HR when you were hired 4. Password: Must be at least 6 characters and contain a symbol and a number 5. Click on “Register” 6. On the next page, it will show your selected Username. Click on “Login” 7. Enter Username and Password 8. Click “Start Benefits” to begin the enrollment

Existing User Login

Benefits Guide 2026-2027

What is my username? • Work email address OR • Email address you provided to HR when hired OR • Email address you used to previously change your username What is my password? To create or reset a forgotten password follow the steps on the login page using tips below. • Password must be at least 6 characters • It must contain a symbol and a number • Using uppercase, numbers and symbols greatly improves security

Need Help? Start Here: mybenefits@campusbenefits.com 1.866.433.7661, opt 5

PREPARE FOR ENROLLMENT Prepare for your New Hire Enrollment or Open Enrollment by asking yourself the following questions: • • • • • •

How did my benefits work for me this year? Which plans will meet my needs? Do I have any health changes that need to be addressed? Do I have any family health history that I should be considering? Any family changes on the horizon? Are there any questions I have on what is offered or how to use the benefits offered?

Keeping P.A.C.E. with Your Benefits •

Participate Attend a benefits meeting to learn about the benefits and resources available to you

•

Assess Carefully evaluate your options and determine what best fits the needs of you and your family

•

Complete Make your benefit elections for the upcoming plan year or as part of your new hire process

•

Embrace Fully embrace the process by documenting your choices, sharing key information with your family, and keeping your benefit details in a safe place for future reference.

Benefits Guide 2026-2027

SERVICE HUB/ SUPPORT CENTER Campus Benefits is your dedicated advocate for all your voluntary benefits. When to contact the Campus Benefits Service Hub • • • •

Portability/Conversion Benefits Education Evidence of Insurability Qualified Life Event Changes

• • • •

Claims Card Requests Benefit Questions COBRA Information

The Campus Benefits team understands the claims process and leverages the necessary carrier relationships to expedite the paperwork efficiently, ensuring claims are not delayed due to improper paperwork completion.

How to File a Claim 1. Contact Campus Benefits via phone or email 2. Work with Campus Benefits’ claims specialist to complete the necessary paperwork • Employee Portion • Physician Portion • Employer Portion 3. Submit the necessary paperwork to Campus Benefits via the secure upload • Secure upload located at www.chickasawbenefits.com/contact-campus

Frequently Asked Questions (FAQs): Q: When must a qualifying life event change be made? A: Please notify Campus Benefits within 30 days of the life event date. All PEEHIP life events must be made directly through the PEEHIP website. Q: Am I required to contact Campus Benefits to file a claim? A: No. However, in our experience the number one reason for claim denial or delay is due to incomplete or inaccurate paperwork. By working with Campus Benefits’ claim specialist, we can advocate on your behalf. Q: How can I access the group dental card or vision card? A: Your Campus Benefits group dental and vision plan information is available at: www.chickasawbenefits.com

Phone: 1.866.433.7661, opt 5 Email: mybenefits@campusbenefits.com Website: www.chickasawbenefits.com 6

Benefits Guide 2026-2027

EMPLOYEE ASSISTANCE PROGRAM What is an EAP? A program offered to provide guidance with personal issues, planning for life events or simply managing daily life which can affect your work, health and family. Provided at no cost to eligible employees.

• • •

Eligibility: Eligible Chickasaw City Schools employees Coverage through One America and paid for by Chickasaw City Schools at no cost to employees Provides support, resources, and information for personal and work-life challenges CALL 1.855.387.9727 or visit www.guidanceresources.com, Web ID: ONEAMERICA3

Confidential Counseling • • •

Helps employees address stress, relationship and other personal issues for you and your family Sessions with highly trained master’s and doctoral level clinicians Receive 3 Sessions per issue per year (includes dependents) for: • Stress anxiety and depression • Job pressures • Relationship/marital conflicts • Grief and loss • Problems with children • Substance abuse

Financial Information and Resources •

Speak by phone with a Certified Public Accountant and Certified Financial Planners on a wide range of financial issues including: • Getting out of debt • Retirement planning • Credit card or loan problems • Estate planning • Tax questions • Saving for college

Work-Life Solutions •

Work-Life Specialists will do the research for you, providing qualified referrals and customized resources for: • Child and elder care • College planning • Moving and relocation • Pet care • Making major purchases • Home repair

Guidance Resources Online • • • •

One stop for expert information on relationships, work, school, children, wellness, financial, and more Timely articles, HelpSheets, tutorials, streaming videos and self-assessments “Ask the Expert” personal responses to your questions Child care, elder care, attorney and financial planner searches

Free Online Will Preparation • • •

EstateGuidance lets you quickly and easily write a will on your computer Go to www.guidanceresources.com and click on EstateGuidance link Follow the prompts to create and download your will at no cost • Name an executor to manage your estate • Choose a guardian for your children • Specify your wishes for your property • Provide funeral and burial instructions

Benefits Guide 2026-2027

SHORT - TERM DISABILITY What is Short-Term Disability Insurance? A type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection. Eligibility: Eligible full-time employees working 20+ hours/week • Coverage provided by One America • Must be actively at work on the effective date • No Health Questions - EVERY YEAR! (Pre-existing condition will apply for new participants) • Employees can choose to start/stop their sick leave at the end of the elimination period. Must notify Human Resources at the beginning of leave. • Pays in addition to sick leave (Above 100% of pre-disability earnings) • Employee does not have to exhaust sick leave prior to receiving a benefit

See important claims information on Service Hub Page.

Short Term Disability Quick Summary Elimination Period (Calendar Days)

Benefits begin either on the 8th or 15th day of an injury or illness Covers accidents and sicknesses up to 12 weeks based on elimination period

Benefit Duration Benefit Percentage (weekly)

60% of your gross weekly salary

Maximum Benefit Amount (weekly)

3/6 Any illness or injury for which you received treatment the 3 months prior to your effective date will not be covered for the first 6 months (Applies to new enrollees only)

Pre-existing condition

Step 1

Step 2

$1,500 per week

Monthly Rate Calculation

Short-Term Disability Monthly Rates per $10/weekly benefit

Divide your annual salary by 52. This is your weekly salary.

Age Category

7 Day

14 Day

0-19

$1.070

$1.035

Multiply weekly salary in Step 1 by

20-24

$1.070

$1.047

60%. If 60% of weekly salary exceeds $1,500, then enter $1,500. This is your maximum weekly benefit amount.

25-29

$1.210

$1.099

30-34

$1.090

$1.054

35-39

$0.777

$0.711

40-44

$0.498

$0.388

45-49

$0.456

$0.341

50-54

$0.521

$0.387

55-59

$0.664

$0.496

60-64

$0.763

$0.570

65-69

$0.821

$0.611

70+

$0.884

$0.661

Step 3

Divide weekly amount in Step 2 by $10

Step 4

Multiply Step 3 by the rate factor listed below. This is your monthly premium.

*Enrollment system will calculate based on payroll information provided by employer

Benefits Guide 2026-2027

LONG - TERM DISABILITY What is Long-Term Disability Insurance? A type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection. Eligibility: Eligible full-time employees working 20+ hours/week • Coverage provided by One America • Must be actively at work on the effective date • No Health Questions - EVERY YEAR! (Pre-existing condition will apply for new participants) • Employees can choose to start/stop their sick leave at the end of the elimination period. Must notify Human Resources at the beginning of leave.

See important claims information on Service Hub Page.

Long-Term Disability Quick Summary Elimination Period (Calendar Days)

Benefits begin on the 91st day of an injury or illness Covers accidents and sicknesses up to Social Security Normal Age of Retirement (Please note exclusions or limitations may apply; see plan certificate for details)

Benefit Duration Benefit Percentage (monthly)

60% of your gross monthly salary

Maximum Benefit Amount (monthly)

$5,000 per month 3/3/12 Any illness or injury for which you received treatment the 3 months prior to your effective date will not be covered for the first 12 months, unless you go treatment free for 3 consecutive months (Applies to new enrollees only)

Pre-existing condition

Monthly Rate Calculation Step 1

Divide your annual salary by 12. This is your monthly salary.

Step 2

Divide monthly amount in Step 1 by $100

Step 3

Multiply Step 2 by the rate factor listed below. This is your monthly premium. *Enrollment system will calculate based on payroll information provided by employer Long-Term Disability Rate Factors 0-19

$0.093

35-39

$0.398

55-59

$0.980

20-24

$0.115

40-44

$0.563

60-64

$0.890

25-29

$0.191

45-49

$0.779

65-69

$0.435

30-34

$0.336

50-54

$0.879

70-99

$0.300

Benefits Guide 2026-2027

LIFE INSURANCE 101 TERM LIFE INSURANCE Term Life insurance is illustrated on the bell curve below. The term life offered is a group policy which allows you to get more benefit for less premium. • Term life insurance is for the unexpected death • Includes an Accidental Death & Dismemberment Benefit • Term life insurance is flexible and allows changes to your benefit amount each year depending on life changes. For example, as you get married and have children the need for term insurance often increases. As you near retirement, the need for term life insurance often decreases. • Coverage is portable at retirement or if you leave the employer (premium will increase when ported) • Premiums are based on age and increase as you get older

PERMANENT LIFE INSURANCE • • • • •

Permanent Life Insurance is illustrated above along the bottom of the graph with a straight blue arrow. Permanent life insurance offers a stable premium along the lifetime of the policy Permanent life offers a level premium and is meant to take into retirement Permanent life is an issue age policy and is based on the age when the policy is issued This is an individual plan you can take with you regardless of where you work

Benefits Guide 2026-2027

VOLUNTARY TERM LIFE & AD&D INSURANCE What is Voluntary Term Life Insurance? A financial protection plan which provides a cash benefit to the beneficiary upon death of the insured. Proceeds can be used to replace lost potential income during working years and help ensure your family’s financial goals will be met; goals like paying off a mortgage, keeping a business running, and paying for college. AD&D coverage is included as part of life insurance benefits and will pay out a lump-sum death benefit if the insured dies accidentally or passes away later as the direct result of the accident. The dismemberment benefit provides an additional lump sum payment if an insured becomes dismembered in an accident. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and unmarried children* (up to age 26) • Coverage provided by One America • Must be actively at work on the effective date • Guaranteed Issue amounts are available during the new hire open enrollment period • If electing for the first time outside of the initial new hire enrollment period, health questions will be required • Employee must elect coverage on yourself in order to cover spouse and/or children • Attention: This benefit requires a beneficiary! Assign and update beneficiaries as necessary * Child marital status impacts benefit eligibility Voluntary Term Life & Accidental Death and Dismemberment Quick Summary COVERAGE DETAILS Employee

Up to $500,000 (not to exceed 5 times annual salary) (minimum amount of $10,000)

Spouse

Up to $100,000 (not to exceed 50% of the employee amount) (minimum amount of $5,000)

Child(ren)

$10,000 (Rate applies to all children) Accidental Death and Dismemberment (AD&D) Matches Life Amounts NEW HIRE - GUARANTEED ISSUE AMOUNTS

Employee

$150,000

Spouse

$50,000

Child(ren)

$10,000 Additional Plan Features

GUARANTEED INCREASE IN BENEFIT (at annual enrollment period) Age Reduction Additional Plan Features

If currently enrolled, employees can increase by $20,000 and spouse can increase by $10,000 up to Guaranteed Issue amount with no health questions. 50% at age 70 (Based on employee’s age) Portability available prior to age 70 (Rates will increase when employment ends) Conversion Privilege Included Accelerated Life Benefit

Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Please consult with a Benefits Counselor or log into the enrollment system for rate details. Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Benefits Guide 2026-2027

PERMANENT LIFE INSURANCE What is Permanent Life Insurance? Coverage that provides lifelong protection, and the ability to maintain a level premium. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and children* (up to age 26) • Coverage provided by Colonial Life • Must be actively at work on the effective date • If electing for the first time outside of the initial new hire enrollment period, health questions will be required • Permanent Life offers the flexibility to meet a variety of personal needs while allowing employees the choice of benefit and premium amounts which fit their paycheck and life style • Keep your coverage at the same cost even if you retire or change employers * Child marital status does not impact benefit eligibility on a standalone policy Permanent Life Benefits Quick Summary PLAN MAXIMUMS Employee (Ages 15 - 79)

Up to $500,000

Spouse (Ages 15 - 79)

Up to $50,000

Child (0 - 17) Juvenile Policy Child (18-26 if a full-time student) Adult Policy

Up to $25,000

GUARANTEED ISSUE (FIRST TIME ELIGIBLE ENROLLMENT/NEW HIRE) Ages 18-50: Up to $50,000 Ages 51-60: Up to $30,000

Employee Spouse (Simplified Issue - One Health Question)

Up to $25,000

Child

Up to $10,000 ADDITIONAL FEATURES Options for Paid up to age 70 or age 100 Child Buy-Up Option at Ages 18, 21 and 24 (up to $100,000) Terminal Illness accelerated death benefit for up to 75% (Up to $100,000 w/fee)

Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Please consult with a Benefits Counselor or log into the enrollment system for rate details.

Benefits Guide 2026-2027

VISION INSURANCE What is Vision Insurance? A health and wellness plan designed to reduce your costs for routine preventive eye care including eye exams and prescription eyewear (eyeglasses and contact lenses). Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children* (up to age 26) • Coverage provided by MetLife • Claims must be submitted within 90 days of service • No waiting periods or late entrant penalties • In-Network Provider Directory: www.mymetlifevision.com Network: Superior Vision • The chart below is a sample of covered services. Please see Plan Certificate for a detailed listing of services in their entirety which can be found on your benefits website. * Child marital status impacts benefit eligibility Vision Benefits Quick Summary

In-Network

Exam

$15 Copay

Contact Lens Fit and Follow-Up

Standard: $25 Copay

Retinal Imaging Frames

Up to $39 Copay $150 allowance + 20% off balance (Additional discount not available at Costco, Walmart, Sam’s Club) Lenses and Lens Options

Single/Lined Bifocal & Trifocal/Lenticular

$10 Copay

Standard Progressive Lens

Up to $55

Ultraviolet Coating

Up to $12

Polycarbonate (child up to age 18)

Covered in Full

Tint (variable by type)

Up to $18

Scratch-Resistant Coating

Up to $15 - $30

Anti-Reflective Coating (variable by type)

Up to $15 - $120 Contact Lenses

Elective Contacts

$150 allowance

Medically Necessary Contacts

Covered in Full Frequencies

Exams/Lenses or Contact Lenses/Frames 2nd Pair Benefit (Allowance must be submitted on two separate invoices)

Exam/Lens/Frames - Every 12 months based on date of service Each covered person can get one of the options below: 2 pairs of prescription glasses OR 1 pair of prescription glasses and contact lens allowance OR Double contact lens allowance

Superior Vision

Monthly Vision Plan Rates Employee Employee + Spouse Employee + Child(ren) Employee + Family

$8.56 $17.11 $19.94 $30.61

City of Chickasaw BOE

5397063

Group Name

Group Number

This card is not a guarantee of coverage or eligibility. Access specific plan information at metlife.com/mybenefits.

1.800.438.6388

metlife.com/mybenefits

*Click on id card for more information and printable version Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, Benefits Guide 2026-2027 claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

DENTAL INSURANCE What is Dental Insurance? A health and wellness plan designed to pay a portion of dental costs associated with preventive, basic, and some major dental care, as well as orthodontia. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children (up to age 26) • Coverage provided by MetLife • Claims must be submitted within 90 days of service • Typically, utilizing an in-network provider will reduce out of pocket costs. On the low plan it is recommended to use an in-network MetLife provider. On the high plan, you can visit any provider. • In-Network Provider Directory: www.metlife.com/insurance/dental-insurance Network: PDP Plus) • Orthodontics available for children (Up to age 19) (subject to takeover provision) • No waiting periods • 2 in 12 months (no separation period); All services are based on a calendar year, not the plan year • The chart below is a sample of covered services. Please see plan certificate for a detailed listing of services in their entirety which can be found on your benefits website. Low Plan

Coinsurance

High Plan

Preventive

100%

Basic

100%

Major

50%

Orthodontics

50% up to the lifetime max

(In-Network Only)

Dental Benefits Quick Summary

High Plan

Calendar Year Deductible

$50 individual/$150 family

Out of Network Coverage

90th UCR

Waiting period Calendar Year Plan Maximum (preventive services do not apply to annual maximum)

Orthodontia (Lifetime)

Low Plan (In-Network Only)

Discounted Fee None

$1,500

$1,000

$750

$1,000

Monthly Plan Rates

High

Low

Employee Employee + Spouse Employee + Child(ren) Employee + Family

$41.39 $81.89 $97.78 $138.23

$27.16 $53.47 $69.02 $95.33

Benefits Guide 2026-2027

Services

High Plan

Low Plan (In-Network Only)

Routine Exam (2 in 12 mo)

100%

Bitewing X-rays (1 in 12 mo)

100%

Cleaning (2 in 12 mo)

100%

Fluoride ( age 15 and under) (1 in 12 mo)

100%

Panoramic X-rays (1 in 5 yr)

100%

Periapical X-rays

100%

Sealants (age 15 and under)

100%

Restorative Amalgam & Restorative Composites

100%

Anesthesia

100%

50%

Onlays

50%

Crowns (1 in 5 yrs per tooth)

50%

Crown Repair

50%

Simple Extractions

100%

50%

Prosthodontics (1 in 5 yrs)

50%

Dental Implants

50%

Denture Repair

50%

Complex Extractions

100%

50%

Endodontics

100%

50%

Periodontics

100%

50%

PROVIDERS LIST

In-Network Dental Providers within a 30 mile radius

*Choosing in-network dental providers helps you get the most value and savings from your plan benefits.* Current providers list as of 7.29.2026. Providers are subject to change. Refer to the In-Network Provider Directory for a full list of providers. Provider Directory: www.metlife.com/insurance/dental-insurance (Network: PDP Plus)

<5 Mile radius

•

Phone Number: (251) 626-0640

AL DENTAL PROFESSIONALS PC

Address: 1097 INDUSTRIAL PKWY STE E SARALAND, AL 36571

EASTERN SHORE DENTAL ASSOCIATES

Address: 2213 US HIGHWAY 98 DAPHNE, AL 36526 •

GHALI GHALI DDS

Address: 806 WILSON AVE DAPHNE, AL 36526

Phone Number: (251) 675-3070

Phone Number: (251) 626-0681

<10 Mile radius

Address: 6389 THREE NOTCH RD STE A MOBILE, AL 36619

•

SHAUN KERN

Address: 1754 GOVERNMENT ST MOBILE, AL 36604 Phone Number: (251) 471-1516 •

GARRETT GRANTHAM

Address: 3620 SPRINGHILL MEMORIAL DRIVE S MOBILE, AL 36608 Phone Number: (251) 344-7888 •

LAURA DUKE

Address: 2727 PLEASANT VALLEY RD MOBILE, AL 36606 Phone Number: (251) 470-1283 •

RONALD HARRELL

Address: 659 AZALEA RD MOBILE, AL 36609 Phone Number: (251) 666-1310 •

DAVID ADAMS

Address: 821 S UNIVERSITY BLVD MOBILE, AL 36609

•

JAN ADAMS

Phone Number: (251) 666-7277 CHRISTOPHER DONALD

Address: 1281 MAIN ST DAPHNE, AL 36526 Phone Number: (251) 626-6869

<30 Mile radius •

BARBARA CLEMENTS

Address: 115 LOTTIE LN FAIRHOPE, AL 36532 Phone Number: (251) 928-5045 •

FAIRHOPE DENTAL ASSOCIATES LLC

Address: 108 PROFESSIONAL PARK DR FAIRHOPE, AL 36532 Phone Number: (251) 928-0620 •

JESSICA BREWER

Address: 2122 S HICKORY ST LOXLEY, AL 36551 Phone Number: (251) 964-2671 •

MILES F JONES & SCOTT COLEMAN DM

Phone Number: (251) 343-3214

Address: 19354 GREENO RD FAIRHOPE, AL 36532

<20 Mile radius

•

DAVID BOGAN

Address: 2020 ROSEDALE RD MOBILE, AL 36605 Phone Number: (251) 478-1181 •

CARRIE TOMBRELLO

Address: 1100 HILLCREST RD STE A MOBILE, AL 36695

Phone Number: (251) 928-8381 POINT CLEAR DENTAL ASSOC LLC

Address: 18157 WRIGHT BLVD FAIRHOPE, AL 36532 Phone Number: (251) 928-0620 •

MICHAEL MILLER

Address: 25469 HWY 59 SOUTH LOXLEY, AL 36551 Phone Number: (251) 964-4000

Phone Number: (251) 776-6878 •

PDP Plus Network

ELIZABETH PALMER-REYNOLDS

Employee SSN

Address: 6154 OMNI PARK DR MOBILE, AL 36609 Phone Number: (251) 414-5142 •

AZALEA CITY DENTAL

Address: 6593 SPANISH FORT BLVD SPANISH FORT, AL 36527 Phone Number: (251) 300-6100

Employee Name

Employee ID

City of Chickasaw BOE

5397063

Group Name

Group Number

This card is a sample of the information needed by your dental provider.

1.800.942.0854

metlife.com/mybenefits

CANCER INSURANCE What is Cancer Insurance? Cancer insurance is a form of supplemental insurance meant to offset cancer related expenses. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and children* (up to age 26) • Coverage provided by Colonial Life • Attention New Hires: No health questions required if enrolling within your new hire enrollment period • If electing outside of the initial new hire enrollment period, increasing from the low to high plan, or adding a dependent to a current plan, will require health questions • Keep your coverage even if you retire or change employers • The chart below is a sample of covered services. Please see Plan Certificate for a detailed listing of services in their entirety which can be found on your benefits website. * Child marital status does not impact eligibility Cancer Benefits Quick Summary

Level 2

Level 3

HOSPITAL AND RELATED BENEFITS Initial Cancer Diagnosis

Choice of $1,000 - $10,000

Hospital Confinement (30 days or less)

$150

$250

Hospital Confinement (31 days or more)

$300

$500

Air Ambulance (2 per confinement)

$2,000

Hospice, Initial

$1,000 RADIATION,CHEMOTHERAPY & RELATED BENEFITS

Radiation/Chemotherapy for Cancer

$100 - $500

$150 - $750

Blood, Plasma, Platelets per day (max $10,000 per year)

$150

$175

Medical Imaging (max per year)

$250

$350

SURGERY AND RELATED BENEFITS Surgical Procedures - per unit

$50

$60

Surgical Procedures max per procedure

$3,000

$5,000

Anesthesia (% of surgery)

25% of surgical procedure

Surgery (outpatient) per day

$200

$300

Surgery (outpatient) annual max

$600

$900

Bone Marrow or Stem Cell Transplant (2 transplant max)

$4,000

$7,000

Experimental Treatment - Max Lifetime

$12,500

$15,000

Second Medical Opinion (1)

$200

$300

Prosthetic Limb - Max Lifetime

$3,000

$4,000

MISCELLANEOUS BENEFITS

Wellness Incentive (see Wellness Incentives page) PRE-EXISTING CONDITION WAITING PERIOD

$50 None - Must be 5 years cancer free 30 Days

Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Please consult with a Benefits Counselor or log into the enrollment system for rate details.

Benefits Guide 2026-2027

CRITICAL ILLNESS What is Critical Illness Insurance? Supplemental coverage that protects families from additional costs associated with unforeseen catastrophic illnesses. It does not coincide with health insurance – payments are made directly to you. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children* (up to age 26) • Coverage provided by MetLife • Attained Age - Rates increase as you age • No health questions – Every Year! (No pre-existing condition limitation) • No waiting period and no age reduction of benefits • Keep your coverage even if you retire or change employers • The chart below is a sample of covered services. Please see Plan Certificate for a detailed listing of services in their entirety which can be found on your benefits website. * See plan certificate/policy document for dependent eligibility requirements Critical Illness with Cancer Quick Summary Employee (Guaranteed Issue) Spouse & Dependent Children

(Guaranteed Issue; Rates based on employee age)

Benefit $15,000 or $30,000 50% of Employee Amount

COVERED CONDITIONS Benign Brain Tumor

100%

Invasive Cancer

100%

Non-Invasive Cancer

25%

Heart Attack

100%

Sudden Cardiac Arrest

100%

Coronary Artery Bypass Graft

50%

Coma

100%

Loss of Ability to Speak, Hearing, or Sight

100%

Paralysis of 2 or more limbs

100%

Kidney Failure

100%

Major Organ Transplant

100%

Severe Burn

100%

Stroke

100%

Childhood Disease Category (Cerebral Palsy, Cleft Lip or Cleft Palate, Cystic Fibrosis, Diabetes (Type 1), Down Syndrome, Sickle Cell Anemia, Spina Bifida)

100% of Child Benefit

Infectious Disease Category (Bacterial Cerebrospinal Meningitis, Diphtheria, Encephalitis, Legionnaire’s Disease, Malaria, Necrotizing Fasciitis, Osteomyelitis, Rabies, Tetanus, Tuberculosis)

25%

Progressive Disease Category (ALS, Alzheimer’s Disease, Multiple Sclerosis, Muscular Dystrophy, Parkinson’s Disease (Advanced), Systemic Lupus Erythematosus (SLE))

100%

WELLNESS INCENTIVE (see Wellness Incentives page)

$50

Benefits Guide 2026-2027

WELLNESS INCENTIVES

GET REWARDED FOR PREVENTIVE CARE What are Wellness Benefits? An annual reimbursement for covered members who complete one of the eligible screening procedures on your critical illness and cancer insurance plans. Eligibility: Eligible full-time employees, spouse and dependents who are covered on the critical illness or cancer plans How it works: • If you or a covered dependent get one of the eligible screenings, you can file a wellness claim • Once approved, you will receive a check for the wellness benefit amount • The wellness benefit can be filed annually as long as your critical illness and cancer plans are in force Available Wellness Benefits

Benefit Amount

Critical Illness -MetLife

$50

Cancer Plan - Colonial Life

$50

What Qualifies as Wellness? Critical Illness

Cancer

Includes: • Annual physical exam • Biopsies for cancer • Blood test to determine total cholesterol/triglycerides • Bone marrow testing • Breast MRI, ultrasound, sonogram • Cancer antigen 15-3 and 125 blood test for breast cancer (CA 15-3)/ovarian cancer (CA 125) • Carcinoembryonic antigen blood test for colon cancer (CEA) • Carotid doppler • Chest x-rays • Clinical testicular exam • Colonoscopy; Digital rectal exam (DRE) • Doppler screening for cancer • Doppler screening for peripheral vascular disease • Echocardiogram; Electrocardiogram (EKG) • Endoscopy • Fasting blood glucose/plasma test • Flexible sigmoidoscopy • Hemoccult stool specimen • Hemoglobin A1C • Human papillomavirus (HPV) vaccination • Lipid panel • Mammogram • Oral cancer screening • Pap smears or thin prep pap test • Prostate-specific antigen (PSA) test • Serum cholesterol test to determine LDL or HDL • Serum protein electrophoresis • Skin Exam; Skin cancer biopsy; screening • Stress test on bicycle or treadmill • Successful completion of smoking cessation program • Tests for sexually transmitted infections (STIs) • Thermography • Two hour post-load plasma glucose test • Ultrasounds for cancer detection • Ultrasound screening of the abdominal aorta for abdominal aortic aneurysms • Virtual colonoscopy

• • • • • • • • • • • • • • • • • • • • • • • • •

Blood test for triglycerides Bone marrow testing Breast ultrasound CA 15-3 (blood test for breast cancer) CA 125 (blood test for ovarian cancer) Carotid Doppler CEA (blood test for colon cancer) Chest X-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG) Fasting blood glucose test Flexible sigmoidoscopy Hemoccult stool analysis Mammography Pap smear PSA (blood test for prostate cancer) Serum cholesterol test for HDL and LDL levels Serum protein electrophoresis (blood test for myeloma) Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopy Cancer Wellness includes an additional invasive diagnostic test or procedure benefit - Visit your employee benefits portal for additional information

How to submit a claim? • •

Call 1-800-GET-MET8. (800-438-6388) File your Health Screening Benefit online through the MyBenefits portal at www.metlife.com/mybenefits or by mail with a paper claim form.

1. 2. 3. 4.

Complete your wellness File your claim online at www.coloniallife.com and click on “File a Claim” button OR Fax your claim form to 1.800.880.9325 OR Mail your claim form to Colonial Life Wellness P.O. Box 100195 Columbia, SC 29202

Visit www.chickasawbenefits.com for claim forms and additional information.

Benefits Guide 2026-2027

HOSPITAL INDEMNITY INSURANCE What is Hospital Indemnity Insurance? Supplemental coverage that helps offset costs associated with hospital stays, whether for planned or unplanned reasons. Payments made directly to you and benefits do not offset with medical insurance.

Eligibility: Eligible full-time employees working 20+ hours/week, spouse and dependent children* (up to age 26) • Coverage provided by MetLife • No health questions – Every Year! (No pre-existing condition limitation) • No waiting period and no age reduction of benefits • Keep your coverage even if you retire or change employers • See plan certificate/policy document for dependent eligibility requirements at www.chickasawbenefits.com * Child marital status does not impact benefit eligibility

Hospital Indemnity Benefits Quick Summary

High Plan

Low Plan

Hospital Admission

$1,000

$500

ICU Supplemental Admission

$1,000

$500

Admission Benefit (4 times per calendar year - separated by 90 days) Confinement

$200

$150

ICU Supplemental Confinement

$200

$150

Confinement Benefit (15 days per calendar year) Confinement Benefit for Newborn Nursery Care (2 days per confinement)

$50

High Plan Rates Employee Employee + Spouse Employee + Child(ren) Employee + Family

$25

Low Plan Rates $24.63 $42.97 $36.75 $55.10

Employee Employee + Spouse Employee + Child(ren) Employee + Family

$15.34 $26.86 $22.96 $34.48

Benefits Guide 2026-2027

ACCIDENT INSURANCE What is Accident Insurance? This coverage is designed to help offset medical and outof-pocket costs associated with unforeseen accidents. Payments made directly to you and benefits do not offset with medical insurance. • • • •

Eligibility: Eligible full-time employees working 20+ hours/week, spouse, and dependent children* (up to age 26) Coverage through MetLife (24 hour coverage - on and off the job coverage) No health questions – Every Year!! Keep your coverage even if you retire or change employers See plan certificate/policy document for dependent eligibility requirements at www.chickasawbenefits.com * Child marital status impacts benefit eligibility Low Plan

High Plan

Fractures

$50 - $3,000

$100 - $6,000

Dislocations

$50 - $3,000

$75 - $6,000

Burns

$50 - $5,000

$75 - $7,500

$200

$250

$25 -$200

$35 - $300

Coma

$5,000

$7,500

Paralysis

$5,000 - $10,000

$7,500 - $15,000

Accident Benefits Quick Summary INJURIES

Concussions Cuts/Lacerations

MEDICAL SERVICES & TREATMENT Ambulance

$200

$300

Air Ambulance

$750

$1,000

Emergency Room

$50

$100

Physician Follow-Up

Employee $4.52 Employee + Spouse $8.82 Employee + Child(ren) $10.53 Employee + Family $12.44

$50 (2 per accident/6 per year)

Therapy Services (including physical therapy)

$15

$25

High Plan

Medical Appliances

$50 -$500

$50 - $500

Monthly Rates

Surgery Benefits

$100 - $1,000

$125 - $1,250

Employee $6.58

Hospital Coverage (Accident)

Low Plan Monthly Rates

Admission (Doubles for ICU Admission)

$500

$750

Confinement (15 days per accident)

$100

$150

Inpatient Rehab (15 days per accident)

$75

$100

Basic Accidental Death

EE: $25,000 SP: $12,500 CH: $5,000

Accidental Death Common Carrier

EE: $75,000 SP: $37,500 CH: $15,000

Benefits Guide 2026-2027

Employee + Spouse $12.93 Employee + Child(ren) $15.55 Employee + Family $18.34

LEGAL PLAN What is a Legal Plan? A plan which provides valuable legal and financial educational resources for a variety of life events and needs. Eligibility: Eligible full-time employees working 20+ hours/week, spouse and unmarried children (up to age 26) • Coverage through MetLife • Elder Care extends to parents and in-laws • Visit www.legalplans.com/why-enroll or call 1.800.821.6400 for additional information • Non-members & members create an account and select Employer for plan information (creating an account doesn’t enroll you in plans) • High Plan: For non-covered matters that are not otherwise excluded, your plan provides four hours of network attorney time and services per year • Plan Certificate available on your Employee Benefits Website at www.chickasawbenefits.com

Low Plan Quick Summary Money Matters

Home & Real Estate

Estate Planning

Family & Personal

Civil Lawsuits

Elder Care Issues

Vehicle & Driving

High Plan Quick Summary

• • • • •

Identity Theft Defense Negotiations with Creditors Promissory Notes Debt Collection Defense Tax Collection Defense

• • • • •

Identity Theft Defense Negotiations with Creditors Promissory Notes Debt Collection Defense Tax Collection Defense

• • • • • •

Deeds Mortgages Foreclosure Tenant Negotiations Eviction Defense Security Deposit Assistance

• • • • • •

Deeds Mortgages Foreclosure Tenant Negotiations Eviction Defense Security Deposit Assistance

• • • • •

Simple and Complex Wills Healthcare Proxies Living Wills Codicils Powers of Attorney (Healthcare, Financial, Childcare, Immigration)

• • • • •

Simple and Complex Wills Healthcare Proxies Living Wills Codicils Powers of Attorney (Healthcare, Financial, Childcare, Immigration)

• • • • • • • • • •

Guardianship Conservatorship Name Change Review of ANY Personal Legal Document School Hearings Demand Letters Affidavits Personal Property Issues Garnishment Defense Domestic Violence Protection

• • • •

Guardianship Conservatorship Name Change Review of ANY Personal Legal Document School Hearings Demand Letters Affidavits Personal Property Issues Garnishment Defense Domestic Violence Protection

• • •

Disputes over Consumer Goods & Services Administrative Hearings Incompetency Defense

• • • • • • • • •

Disputes over Consumer Goods & Services Administrative Hearings Incompetency Defense

• • • •

Personal Bankruptcy LifeStages Identity Management Tax Audit Representation Financial Education Workshops

• • • • •

Sale or Purchase (Primary or Vacation Home) Refinancing & Home Equity Property Tax Assessments Boundary & Title Disputes Zoning Applications

•

Revocable & Irrevocable Trusts

• • • • •

Juvenile Court Defense (Including Criminal Matters) Parental Responsibility Matters Review of Immigration Documents Prenuptial Agreement Adoption

• • •

Civil Litigation Defense & Mediation Small Claims Assistance Pet Liabilities

Consultation & Document review for issues related to your (or spouses) parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements • Leases • Promissory Notes • Deeds • Wills • Power of Attorney

Consultation & Document review for issues related to your (or spouse’s) parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements • Leases Monthly Low Monthly High • Promissory Notes Plan Rate Plan Rate • Deeds • Wills • Power of Attorney

• • • •

Repossession Defense of Traffic Tickets Driving Privileges Restoration License Suspension due to DUI

$8.00

Repossession Defense of Traffic Tickets Driving Privileges Restoration License Suspension due to DUI

$16.50

NO COPAY

Benefits Guide 2026-2027

PUBLIC EDUCATION EMPLOYEES’ HEALTH INSURANCE PLAN City of Chickasaw Schools offers eligible employees health insurance through the Alabama State Health Benefit Plan. Eligibility: Please review the PEEHIP Decision Guide for plan eligibility rules • Health insurance coverage through Blue Cross Blue Shield of Alabama (PPO), VIVA Health Plan (HMO) as well as Group Medicare Advantage Plans (PPO) through Humana • Flexible Spending Accounts through Health Equity • During the annual open enrollment, employees have the opportunity to review all available options and make elections for the upcoming plan year

Important Contact Information Wellness Programs PEEHIP Phone: 877.517.0020 Email: peehipinfo@rsa-al.gov Website: www.rsa-al.gov Enroll in PEEHIP coverage online: www.mso.rsa-al.gov

Wellness Screening and Flu Shots Alabama Department of Public Health (ADPH) Website: www.alabamapublichealth.gov/ worksitewellness Flu Shots: 844.842.2954 Tobacco Cessation Quitline: 800.QUIT.NOW

Flexible Spending Accounts Phone: 877.517.0020 Website: www.earn.healthequity.com/peehip/fsa

BCBS Health Coaching Phone: 800.327.3994, option 3

Hospital Medical Plans Blue Cross Blue Shield of Alabama (PPO) Phone: 800.327.3994 Website: www.alabamablue.com/peehip VIVA Health Plan (HMO) Phone: 800.294.7780 Website: www.vivahealth.com/peehip

Pack Health Phone: 855.255.2362 Website: www.packhealth.com/peehip Wondr Health (formerly Naturally Slim) Website: www.wondrhealth.com/peehip

Visit Chickasaw City Schools Benefits Website for additional PEEHIP Information to include: • • • • • • •

The Active Member Decision Guide Additional Wellness Information Links to Hospital Health Medical Plans Information on Optional Coverage Plans (Cancer, Dental, Indemnity, and Vision) Pharmacy Programs Group Medicare Advantage (PPO) Plans www.chickasawbenefits.com/peehip-programs Flexible Spending Account Links

Benefits Guide 2026-2027

PUBLIC EDUCATION EMPLOYEES’ HEALTH INSURANCE PLAN TELECONSULTATION Eligible PEEHIP members enrolled in the PEEHIP Hospital Medical plan Group #14000,VIVA Health Plan, or UnitedHealthcare Group Medicare Advantage (PPO) Plan have access to teleconsultation benefits.

Important Contact Information BCBS (PPO) Phone: 855.477.4549 Website: www.teladoc.com/alabama

Consider using telemedicine for non-emergency issues anywhere and anytime you need.

VIVA Health Plan (HMO) Phone: 800.835.2638 Website: www.teladoc.com UHC (PPO) Phone: 877.298.2341 Website: www.retiree.uhc.com/peehip Hospital Medical Plans

Medical Advantage Plan

(Active and non-Medicare-Eligible Retired Members) (Medicare-Eligible Retired Members)

BCBS (PPO) Benefit Availability Video/Telephonic Needed for sign Up Copay Apps

Doctor Types Common Conditions Treated

VIVA Health (HMO) Teledoc

UHC (PPO) Virtual Visits

(administered by Amwell Doctors on Demand and Teladoc)

Nationwide 24/7/365: phone, web and mobile app Video and telephonic consults available

Video consults are available except for telephonic consults

Member ID card along with basic identifying information Medical: $0 Behavioral Health: N/A

Medical: $25 Behavioral Health: $40

Medical: $0 Mental/Behavioral Health: $0

Teladoc, Amwell, Doctors on Demand & MDLive available on App Store or Google Play PCP, Pediatrician, Family Medicine & Behavioral Health

PCP, Pediatrician & Family Medicine Cold, Flu, Allergies, Bronchitis, UTI, Respiratory Infection, Sinus and more

Cold, Flu, Allergies, Bronchitis, UTI, Respiratory Infection, Sinus, Behavioral Health and more

www.rsa-al.gov/peehip/teleconsultation Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Benefits Guide 2026-2027

ADDITIONAL BENEFITS INFORMATION Employer Contributions to Retirement Systems of Alabama: • Tier 1 Employees 14.57% • Tier 2 Employees 13.61% Employer Paid portion (allocation) toward PEEHIP: • $800/month RSA-1 Deferred Compensation Plan • Offered in addition to the mandatory pension plan • Visit: www.rsa-al.gov/rsa-1

NOTES

Benefits Guide 2026-2027

NOTES

Benefits Guide 2026-2027

The Service Hub Helps With: • • • •

Portability/Conversion Benefits Education Evidence of Insurability Qualified Life Event Changes

• • • •

Claims Card Requests Benefit Questions COBRA Information

Phone: 1.866.433.7661, opt 5 Email: mybenefits@campusbenefits.com Benefits website address: www.chickasawbenefits.com The 2026-2027 Benefits Enrollment Guide is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered is governed exclusively by the insurance contract and associated Summary Plan Description (SPD). In case of discrepancies between this document and the insurance contract and SPD, the contract and SPD will prevail. We reserve the right to change, modify, revise, amend or terminate these plan offerings at any time. Updates, changes, and notices are available for review at www.chickasawbenefits.com or by contacting HR or the email above. These should be reviewed fully prior to electing any benefits.