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2026/27 EMPLOYEE BENEFITS

Working towards wellness

A comprehensive guide to understanding your 2026-2027 employee benefits program

What’s Inside

Welcome

Important Contacts

Eligibility

How to Enroll

Enrollment Frequently Asked Questions

We are pleased to offer a full benefits program to you and your eligible dependents. Read this guide to know what benefits are available. You may only enroll or make changes to your benefits during Open Enrollment (OE) or if you have a Qualifying Life Event (QLE).

Medical

11 Pharmacy 12 Preventive Care 13 Health Care Options 14 Health Savings Account 16 Flexible Spending Accounts

Availability of Summary Benefit Information Coverage details for medical and supplemental plans offered are available and may be viewed at www.mybenefitshub.com/fortworthisd.

18 HSA and FSA Comparison 19 Qualified HSA and FSA Expenses 20 Dental Coverage 22 Vision Coverage

Open Enrollment is

July 14 through August 14, 2026. Your Benefits Are In Effect September 1, 2026 through

August 31, 2027.

23 Accident Insurance 24 Cancer Insurance 26 Voluntary Educator Disability Insurance

Flip to …

27 Life and AD&D Insurance 29 Permanent Life Insurance

How to Enroll

Enrollment FAQ

Medical

30 Emergency Medical Transport 31 Legal Assistance 31 Financial Planning 32 Glossary of Terms

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Important Contacts FWISD Benefits Office 817-814-2240 www.fwisd.org benefits@fwisd.org

Accident Insurance Chubb Group #BKRC671 888-499-0425

Cancer Insurance Chubb Group #100009933 888-499-0425 educatorclaims@chubb.com

COBRA (Dental, Vision, FSA) National Benefit Services 800-274-0503 www.nbsbenefits.com

COBRA (TRS-ActiveCare Medical) bswift 833-682-8972

Dental Advantage Humana Group #573701 Network: Advantage Plus 800-979-4760 www.humanadental.com

Dental DHMO Humana Group #573701 Network: HD DHMO/Prepaid C 150 800-979-4760 www.humanadental.com

Dental DPPO MAC

Medical Transportation

Ameritas Group #010-351294 800-487-5553 www.ameritas.com

MASA Group #MLFWISD 800-423-3226 www.masamts.com

Disability

Optional Life and AD&D

The Hartford Group #395332 866-547-9124 www.thehartford.com/mybenefits

Flexible Spending Accounts (FSAs) Higginbotham Through August 31, 2026 866-419-3519 https://flexservices.higginbotham.net

Flexible Spending Accounts (FSAs) NBS Beginning September 1, 2026 Phone: 855-399-3035 www.nbsbenefits.com service@nbs.com

Health Savings Account (HSA) EECU 817-882-0800 www.eecu.org

MetLife Group #122673-1-G 800-638-6420 www.metlife.com

Permanent Life Texas Life 817-545-3900 ext. 102 www.texaslife.com

Pharmacy Express Scripts 844-367-6108 https://www.express-scripts.com/ trsactivecare

Vision Coverage Humana Group #573701 866-537-0229 https://account.humana.com

403(B) Plan/457 Plan TCG Administration 800-943-9179 www.tcgservices.com

Legal Services Texas Legal 800-252-9346 www.texaslegal.org

Medical TRS-ActiveCare Blue Cross Blue Shield of Texas 866-355-5999 www.bcbstx.com/trsactivecare

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Eligibility

OE: Open Enrollment QLE: Qualifying Life Event

Who is Eligible for Benefits Status

New Hire

Employee

Dependent(s)

Who is Eligible

• Employees who are active, contributing TRS members are eligible for all benefits. • Employees who are not active contributing TRS members are eligible to participate in TRS Active Care. • Eligibility criteria may be found at www.fwisd.org/departments/benefits/eligibility. • Benefits-eligible employees must be actively at work on the plan’s effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work, concurrent with the plan’s effective date. For example, if your 2026 benefits become effective on September 1, 2026, you must be actively at work on September 1, 2026, to be eligible for your new benefits.

• Your legal spouse • Children under age 26 meeting planspecific requirements. • Disabled dependents over age 261

When to Enroll

• All new-hire enrollment elections must be completed in the online enrollment system within the first 31 days of benefits eligibility. Failure to complete elections during this timeframe will result in the forfeiture of coverage.

• During OE or for a QLE

• During OE or for a QLE • When covering dependents, you must enroll for and be on the same plans

When Coverage Starts

• First of the month following date of hire

• OE: Start of the plan year • QLE: Generally, the first of the month following QLE

• Ask the Benefits Office

Maximum Dependent Eligibility Age by Plan1 To Age 26

Disabled dependents may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact the Benefits Office to request continuation of coverage. 1

Medical/Dental/Vision/Life/Accident/Optional Life and AD&D/Individual Life/Cancer/Medical Transportation

Qualifying Life Events You may only enroll for or make changes to coverage during the plan year if you are a new hire or if you have a QLE, such as:

Marriage

Birth

Divorce

Adoption/placement for adoption

Annulment Death of spouse

Change in benefits eligibility Death of child

FMLA, COBRA event, judgment, or decree

Gain or loss of benefits coverage

Gain or loss of Medicare or Medicaid

Change in employment status affecting benefits

Receiving a Qualified Medical Child Support Order

You have 31 days from the event to notify the Benefits Office and complete your changes. You will need to provide documents to verify the change.

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

How to Enroll Enrolling in benefits is simple through THEbenefitsHUB. 1.

Go to www.mybenefitshub.com/fortworthisd or scan the QR code.

2. Click Login. 3. Log in with Microsoft. 4. Enter your work email address. 5. Complete the verification steps as outlined. 6. Review your personal information and verify covered dependents. Contact your employer with any discrepancies. 7.

After dependent information is confirmed, you may select the benefits shown. To make your selections, click the drop-down list next to the plan name. You must confirm on each benefit screen that each dependent to be covered is selected in order to be included in the coverage for that particular benefit. Once the desired coverage amount is selected, your contribution amount will be displayed. Click Save & Continue. Repeat for each benefit. You may be asked to provide evidence of insurability for certain benefits.

SECTION 125 CAFETERIA PLAN GUIDELINES A cafeteria plan enables you to save money by using pretax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment become effective on the plan effective date and will remain in effect during the entire plan year. Changes in benefit elections can occur only if you experience a QLE. You must complete the benefits change form and provide proof of the QLE to your Benefits Office within 31 days of the event.

8. Identify your beneficiary(ies).

Select your beneficiary designation. Click Sign & Continue. Review and confirm your information. Click Finished.

NOTE: Dependent Social Security numbers are required for medical plan enrollment.

SCAN THE QR CODE TO ENROLL

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Enrollment Frequently Asked Questions What if I miss the enrollment deadline? If you miss the enrollment deadline, you will need to wait until the next annual enrollment period to make changes, unless you experience a qualifying life event that allows you to update your elections mid-year. Is there an age limit for dependents to be covered under my benefits? Yes. See the Eligibility page for details.

Where can I find benefits summaries and forms? For benefit summaries and claim forms, go to the Benefit Information section at www. mybenefitshub.com/fortworthisd. Click on each benefit (e.g., medical, vision, etc.) for details. How can I find in-network providers? Go to www.mybenefitshub.com/ fortworthisd and click on the Provider Search link, where you will see all available plan provider searches.

When will I get my ID cards? If the insurance carrier provides ID cards and there is a plan change, new cards usually arrive within four weeks of your effective date. If there are no plan changes, a new card may not be issued. You may not need or receive an ID card for dental and vision plans. Simply share the carrier name and phone number with your health care provider to have benefits verified. ID Cards come from the insurance carriers. Find ID card carrier contacts at www.mybenefitshub.com/ fortworthisd on the home page under ID Cards.

Important Limitations and Exclusions Information The following limitations and exclusions may apply when obtaining coverage as a married couple or for your dependents. Can I cover family members (a spouse and/or dependent) as dependents on my benefits if I and my spouse work for the same employer? Some benefits may not allow for this type of coverage if you both work for the same employer. Review the benefit plan documents, contact Higginbotham Public Sector, or contact the carrier for eligibility details.

Are there FSA and HSA limitations for married couples? Yes, generally. Married couples may not enroll in both a Health Care Flexible Spending Account (FSA) and a Health Savings Account (HSA) at the same time. If your spouse is covered under a Health Care FSA that reimburses for qualified health care expenses, then you and your spouse are not HSA-eligible – even if you do not use your spouse’s Health Care FSA to reimburse your expenses. However, there are some exceptions to the general limitation for other types of FSAs (e.g., Limited Purpose Health Care FSA; Dependent Care FSA). Contact the FSA and/or HSA administrator before you enroll, or consult your tax advisor for further guidance.

Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in FSAs and an HSA as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Higginbotham Public Sector, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of your enrollment in spouse and/or dependent coverage, including enrollment in FSAs and an HSA.

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Medical Our medical plans protect you and your family from major financial hardship in the event of illness or injury.

Medical Provider:

All TRS-Active participants may enroll in one of the following plans: The TRS-ActiveCare 2 plan is closed to new enrollments, but you may continue in the plan if you are a currently enrolled participant.

TRS-ActiveCare Primary TRS-ActiveCare Primary+ TRS-ActiveCare HD

TRS Region 11 ActiveCare Rates for Employees Who Contribute to TRS Plan rates effective 09-01-2026 through 08-31-2027 Region 11

Employee Cost TRS-ACTIVECARE PRIMARY

TRS-ACTIVECARE PRIMARY+

TRS-ACTIVECARE HD

TRS-ACTIVECARE 2

Employee Only

$118.50

$172.50

$127.50

$319.00

Employee & Spouse

$639.00

$748.50

$663.00

$1,013.50

Employee & Child(ren)

$333.00

$424.50

$348.00

$566.00

Employee & Family

$853.00

$1,000.50

$883.50

$1,233.00

Employee Only

$158.00

$230.00

$170.00

$425.33

Employee & Spouse

$852.00

$998.00

$884.00

$1,351.33

Employee & Child(ren)

$444.00

$566.00

$464.00

$754.67

Employee & Family

$1,137.33

$1,334.00

$1,178.00

$1,644.00

24 Checks

18 Checks

TRS Region 11 ActiveCare Rates for Employees Who Do Not Contribute to TRS Plan rates effective 09-01-2026 through 08-31-2027 Region 11

Employee Cost TRS-ACTIVECARE PRIMARY

TRS-ACTIVECARE PRIMARY+

TRS-ACTIVECARE HD

TRS-ACTIVECARE 2

Employee Only

$306.00

$360.00

$315.00

$506.50

Employee & Spouse

$826.50

$936.00

$850.50

$1,201.00

Employee & Child(ren)

$520.50

$612.00

$535.50

$753.50

Employee & Family

$1,040.50

$1,188.00

$1,071.00

$1,420.50

Employee Only

$408.00

$480.00

$420.00

$675.33

Employee & Spouse

$1,102.00

$1,248.00

$1,134.00

$1,601.33

Employee & Child(ren)

$694.00

$816.00

$714.00

$1,004.67

Employee & Family

$1,387.33

$1,584.00

$1,428.00

$1,894.00

24 Checks

18 Checks

Visit www.mybenefitshub.com/fortworthisd for full plan details.

2026-27 TRS-ActiveCare Plan Highlights Sept. 1, 2026 – How to Calculate Your Monthly Premium

All TRS-ActiveCare participants have three plan options. E TRS-ActiveCare Primary • Lowest premium of the three available plans • Copays for doctor visits before you meet your deductible • Statewide network • Primary Care Provider referrals required to see specialists • Not compatible with a Health Savings Account • No out-of-network coverage

Total Monthly Premium Your Employer Contribution

Plan Summary

Your Premium Ask your Benefits Administrator for your district’s specific premiums.

Monthly Premiums

Being Healthy is Easy • $0 preventive services • One-on-one health coaches • Weight loss programs and nutrition • TRS Virtual Health • Member Rewards is even better. Now you’ll get a check when you use Member Rewards and choose low-cost, highquality doctors and facilities – up to $599* per tax year. • Airrosti Remote Recovery gives you inhome virtual physical therapy to relieve common aches and pains at no cost.*

Total Premium

Employer Contribution

Your Premium

TRS

• Highest premium • Copays for man • Lower deductib • Statewide netw • Primary Care Pr • Not compatible • No out-of-netw

Total Premium

Employee Only

$612

$720

Employee and Spouse

$1,653

$1,872

Employee and Children

$1,041

$1,224

Employee and Family

$2,081

$2,376

Plan Features Type of Coverage Individual/Family Deductible Coinsurance Individual/Family Maximum Out of Pocket

In-Network Coverage Only $2,500/$5,000 You pay 30% after deductible

$8,050/$16,100

PCP Required

Yes

Primary Care

$30 copay

Specialist

$70 copay

Doctor Visits

* Eligibility rules may apply.

See the Annual Enrollment Guide for more details.

Immediate Care Urgent Care Emergency Care

Mental Health You have in-office and virtual benefits: • TRS-ActiveCare Primary Plan: $30 copay for office visits or $0 with Teladoc • TRS-ActiveCare Primary+ Plan: $15 copay for office visits or $0 with Teladoc • TRS-ActiveCare HD Plan: 30% coinsurance after deductible or $42 with Teladoc • TRS-ActiveCare 2 Plan: $20 copay for office visits or $12 with Teladoc

$50 copay You pay 30% after deductible

TRS Virtual Health-RediMD

$0 per medical consultation

TRS Virtual Health-Teladoc®

$12 per medical consultation

Integrated with medical

$200 deduc

Prescription Drugs Drug Deductible Generics (31-Day Supply/90-Day Supply)

$15/$45 copay; $0 copay for certain generics

Preferred (Max does not apply if brand is selected and generic is available)

You pay 30% after deductible

You pay You pay

Non-preferred

You pay 50% after deductible

Specialty (31-Day Max) Call 1-844-367-6108 to see if your specialty medication is covered by SaveOnSP.

You pay 30% after deductible; $0 if SaveOnSP eligible

You pay

Insulin Out-of-Pocket Costs

$25 copay for 31-day supply; $75 for 61- to 90-day supply

$ $

Aug. 31, 2027

Each includes a wide range of wellness benefits.

S-ActiveCare Primary+

m of the three available plans ny services and drugs ble than the HD and Primary plans work rovider referrals required to see specialists with a Health Savings Account work coverage

Employer Contribution

Your Premium

In-Network Coverage Only

This plan is closed to new enrollees. Current TRS-ActiveCare 2 participants can stay enrolled.

TRS-ActiveCare HD

TRS-ActiveCare 2

• Higher premium of the three available plans • Must meet your deductible before plan pays for non-preventive care • Nationwide network with out-of-network coverage • No requirement for Primary Care Providers or referrals • Compatible with a Health Savings Account

Employer Contribution

Total Premium

Your Premium

• Closed to new enrollees • Current enrollees can choose to stay in the plan • Lower deductible • Copays for many services and drugs • Nationwide network with out-of-network coverage • No requirement for Primary Care Providers or referrals

$630

$1,013

$1,701

$2,402

$1,071

$1,507

$2,142

$2,841

In-Network

Out-of-Network

Employer Contribution

Total Premium

In-Network

Your Premium

Out-of-Network

$1,200/$2,400

$3,400/$6,800

$6,800/$13,600

$1,000/$3,000

$2,000/$6,000

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible

You pay 40% after deductible

$6,900/$13,800

$8,300/$16,600

$20,500/$41,000

$7,900/$15,800

Yes

$23,700/$47,400 No

$15 copay

You pay 30% after deductible

You pay 50% after deductible

Tier 1: $20 copay Tier 2: $40 copay

You pay 40% after deductible

$70 copay

You pay 30% after deductible

You pay 50% after deductible

Tier 1: $55 copay Tier 2: $85 copay

You pay 40% after deductible

$50 copay

You pay 30% after deductible

You pay 50% after deductible

$50 copay

You pay 40% after deductible

ou pay 20% after deductible

You pay 30% after deductible

You pay a $250 copay plus 20% after deductible

0 per medical consultation

$30 per medical consultation

$0 per medical consultation

12 per medical consultation

$42 per medical consultation

$12 per medical consultation

ctible per participant (brand drugs only)

Integrated with medical

$200 brand deductible

You pay 20% after deductible; $0 coinsurance for certain generics

$20/$45 copay

y 25% after deductible ($100 max)/ y 25% after deductible ($265 max)

You pay 25% after deductible

You pay 25% after deductible ($40 min/$80 max)/ You pay 25% after deductible ($105 min/$210 max)

You pay 50% after deductible

You pay 50% after deductible ($100 min/$200 max)/ You pay 50% after deductible ($215 min/$430 max)

y 20% after deductible ($500 max); $0 if SaveOnSP eligible

You pay 20% after deductible

You pay 30% after deductible ($200 min/$900 max); $0 if SaveOnSP eligible

$25 copay for 31-day supply; $75 for 61- to 90-day supply

You pay 25% after deductible

$25 copay for 31-day supply; $75 for 61- to 90-day supply

$15/$45 copay

Questions?

Call a Personal Health Guide at 1-866-355-5999 for help with medical services. Call Express Scripts® by Evernorth Pharmacy Benefit Services at 1-844-367-6108 for help with your pharmacy benefits.

Compare Prices for Common Medical Services Closed to new enrollees. Benefit

TRS-ActiveCare Primary

TRS-ActiveCare Primary+

In-Network Only

Office/Independent Lab: You pay $0

TRS-ActiveCare HD In-Network

Out-of-Network

In-Network

Out-of-Network

Office/Independent Lab: You pay $0 You pay 30% after deductible

Diagnostic Labs

TRS-ActiveCare 2

You pay 50% after deductible

You pay 40% after deductible

Outpatient: You pay 30% after deductible

Outpatient: You pay 20% after deductible

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible + $100 copay per procedure

You pay 40% after deductible + $100 copay per procedure

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible ($150 facility copay per incident)

You pay 40% after deductible ($150 facility copay per incident)

(like childbirth, complex joint replacement and cardiac surgery)

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible ($500 facility per day maximum)

You pay 20% after deductible ($150 facility copay per day)

You pay 40% after deductible ($500 facility copay per incident)

Freestanding Emergency Room

You pay $500 copay + 30% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 30% after deductible

You pay $500 copay + 50% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 40% after deductible

Facility: You pay 30% after deductible

Facility: You pay 20% after deductible

Facility: You pay 20% after deductible ($150 facility copay per day)

Professional Services: You pay $5,000 copay + 30% after deductible

Professional Services: You pay $5,000 copay + 20% after deductible

Only covered if rendered at a BDC+ facility

Specialist: You pay $70 copay

You pay 30% after deductible

You pay 50% after deductible

PCP: $30 copay

PCP: $15 copay

Specialist: $70 copay

You pay 30% after deductible

You pay 50% after deductible

High-Tech Imaging (like CT Scan, Mammogram and MRI)

Outpatient (like colonoscopy, cataract surgery and steroid injections)

Inpatient

Bariatric Surgery

Annual Vision Exam (one per plan year)

Annual Hearing Exam (one per plan year)

Outpatient: You pay 20% after deductible

Not Covered

Only covered if rendered at a BDC+ facility

www.trs.texas.gov 04/01/2026 10

Not Covered

Tier 1 Specialist: $55 copay Tier 2 Specialist: $85 copay

Tier 1 PCP: $20 copay Tier 2 PCP: $40 copay Tier 1 Specialist: $55 copay Tier 2 Specialist: $85 copay

You pay 40% after deductible

Pharmacy Express Scripts TRS Pharmacy Benefits Manager As part of your TRS medical plan coverage, you also have pharmacy benefits coverage through Express Scripts, the pharmacy benefits manager (PBM). This pharmacy benefits coverage is available ONLY to those enrolled in one of the TRS-ActiveCare medical plans. Express Scripts helps you understand your pharmacy benefits and makes it convenient and affordable for you and your family to access the medications you need. New enrollees will be issued ID cards effective for the upcoming plan year. If you do not receive a card, or if yours is misplaced, you may download a temporary ID card. You can also contact the Express Scripts TRSActiveCare Customer Support team for assistance. Once your plan year deductible is met, you will pay the applicable copay or coinsurance for each prescription until your out-of-pocket maximum is reached. The Express Scripts website allows you to download a temporary ID card, check medication costs, and explore options for home delivery, specialty medications, and retail pharmacies. Please note that when utilizing prescription drug resources outside of Express Scripts, your prescription costs may not be applied toward your pharmacy coverage deductible or copays.

CONTACT EXPRESS SCRIPTS Visit https://www.express-scripts.com/trsactivecare. Call 844-367-6108.

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Having a doctor who knows you and your medical history is a key part of preventive care.

Preventive Care Your medical plan offers $0 preventive care for everyone. Preventive care is the care you receive to help prevent chronic illness or disease. It includes exams, lab work, screenings, immunizations, and counseling to prevent health problems, such as diabetes or heart disease.

Watch and learn more!

Preventive Care Coverage Includes Adults

Teens

Cholesterol screening Blood pressure screening Colorectal cancer screening Lung cancer screening Hepatitis B screening Well visits Bone density screening Obesity screening Diabetes type 2 screening Depression screening Mammograms Cervical cancer screening Immunizations

Children

Physical exam Blood tests for iron and cholesterol Anxiety screening Growth screening Hearing screening Hepatitis B screening Depression screening Alcohol, tobacco, and drug use assessments Tuberculosis screening Immunizations

Autism screening Blood screening Depression screening Developmental screening Hearing screening Obesity screening and counseling Hypothyroidism screening Behavioral assessments Well visits Immunizations

Frequently Asked Questions Why should I get preventive care?

Why did I get a bill for preventive care?

Preventive care is the fastest and best way to uncover potential risks and avoid chronic health conditions.

Diagnosis codes on the doctor’s bill must meet certain insurance company conditions for them to be processed as preventive and covered at 100%. If you have a medical complaint, or your doctor finds a specific medical issue during your preventive care doctor’s visit, a diagnosis code for that issue or complaint will be on your bill. As a result, the insurance company may process the bill for a specific medical condition, not preventive care. In this case, you must pay the copay or portion of your deductible.

Are all screenings, tests, and procedures covered under preventive care? No. Your doctor will be able to advise you as to the preventive care you need or should obtain, based on your medical and family history.

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Health Care Options Becoming familiar with your options for medical care can save you time and money. Health Care Provider

Symptoms

Average Cost

Average Wait

Infections Sore and strep throat Vaccinations Minor injuries/sprains/ strains

15-20 minutes

Common infections Minor injuries Pregnancy tests Vaccinations

15 minutes

Sprains and strains Minor broken bones Small cuts that may require stitches Minor burns and infections

15-30 minutes

Chest pain Difficulty breathing Severe bleeding Blurred or sudden loss of vision Major broken bones

$$$$

4+ hours

Most major injuries except trauma Severe pain

$$$$$$

Minimal

NON-EMERGENCY CARE

Generally, the best place for routine preventive care; established relationship; able to treat based on medical history DOCTOR’S OFFICE

Office hours vary

Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies RETAIL CLINIC

Hours vary based on store hours

When you need immediate attention; walk-in basis is usually accepted URGENT CARE

Generally includes evening, weekend and holiday hours

EMERGENCY CARE

Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility HOSPITAL ER

24 hours a day, 7 days a week

Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher FREESTANDING ER

24 hours a day, 7 days a week

Note: Examples of symptoms are not inclusive of all health issues. Wait times described are only estimates. This information is not intended as medical advice. If you have questions, please call the phone number on the back of your medical ID card.

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Health Savings Account Offset your High Deductible Health Plan (HDHP) health care costs, reduce your taxes, and get a long-term tax-advantaged savings account.

HSA Eligibility You are eligible to open and contribute to an HSA if you are: Enrolled in the ActiveCare HD plan

HSA Administrator:

You are ineligible for an HSA if you are: Claimed as a dependent on someone else’s tax return

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to employees who are enrolled in an HDHP. Health Savings Accounts enable you to save and conveniently pay for qualified health care expenses while you earn tax-free interest and pay no monthly service fees. An HSA is always yours even if you change health plans or jobs. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions.

Enrolled in Medicare Part A or B, Medicaid, or TRICARE Receiving Veterans Administration benefits

How to Pay or Get Reimbursed Use your HSA debit card to pay for qualified expenses. Pay out-of-pocket and submit your receipts for reimbursement online or through the app.

Two Ways To Use Your HSA

Contributions

USE IT NOW

INVEST OVER TIME

Pay for qualified out-of-pocket medical, dental, and vision expenses as they are incurred.

Invest and grow your HSA dollars tax-free. You can use the funds to pay for qualified expenses later.

You may contribute up to the IRS annual maximum.

Triple Tax Benefits

1. Tax-free contributions 2. Tax-free growth 3. Tax-free withdrawals

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

MAXIMUM HSA CONTRIBUTIONS 2026

Total

Individual

$4,400

Family

$8,750

Catch-up Contribution: If you are 55 or older (regardless of when in the year you turn 55), you may make a yearly catch-up contribution of an additional $1,000.

Important HSA Information Annual election required. You can use your HSA for a wide range of qualified medical, dental, or vision expenses for you and your eligible dependents, even if they are not covered under your medical plan. If you enroll in an HSA and FSA, the FSA becomes a Limited Purpose FSA and may only be used for Dental and Vision, not medical expenses. Save your receipts for all qualified medical expenses. You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit. Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount. You may open an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for payroll deduction with Fort Worth ISD. Funds may be accessed via provided HSA Debit Card, Online Bill Pay, Online Transfers or Check. Online chat at www.eecu.org for 24/7 account access, to check your balance, pay bills, and more. Call Member Services at 817-882-0800 for help with your HSA questions Monday through Friday 8:00 a.m. to 7:00 p.m. CT and Saturday 9:00 a.m. to 1:00 p.m. CT. Lost/stolen Debit Card: Call the 24/7 Debit Card hotline at 800-333-9934. Stop by a local EECU financial center for in-person assistance; find EECU locations and service hours at www.eecu.org/locations.

Get More Information or Submit Receipts Visit https://www.eecu.org. Call 817-882-0800. Download the EECU app.

Watch and learn more!

For full plan details, please visit your benefit website: Health Savings Account (HSA)

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Flexible Spending Accounts A Cafeteria Plan is designed to take advantage of Section 125 of the Internal Revenue Code. It allows you to pay certain qualified expenses on a pretax basis, thereby reducing your taxable income. You can set aside a predetermined amount of money per plan year in a Flexible Spending Account (FSA).

9/1/25 to 8/31/26 Plan Year Deadlines The FSA administrator is changing from Higginbotham to NBS effective September 1, 2026. Participants should consider spending their elected funds before August 31, 2026 as FSA debit cards will be turned off after this date. Reimbursement paper/online claims may be submitted to Higginbotham for grace period claims through October 31, 2026. Current plan year participants’ claims must be processed by Higginbotham FSA by November 30, 2026 or are forfeited.

FSA Administrator:

Flexible Spending Accounts and What They Reimburse Full Health Care FSA (FSA) – Medical, Dental, Vision expenses, and over-the-counter items. Limited Health Care FSA (LFSA) – Dental and Vision expenses only! Dependent Care FSA (DCFSA) – Day care, before and after school care, day camps, and elder day care. You have the option to enroll in both an HSA and an FSA, however doing so will make your FSA a “Limited” FSA, which means it will only be available for dental and vision expenses. All medical expenses would be processed through your HSA.

Annual Maximum FSA Contributions 2026

Full Health Limited Purpose Dependent Care FSA Health Care FSA Care FSA

Annual Maximum Contribution

$3,400

$7,500 (Single parent filing head of household; or married filing jointly); $3,750 (married filing separately)

Run-out Period

91 days

No run-out period

Carryover

N/A

No carryover (Use it or lose it)

Grace Period

61 days

No grace period

Submit questions, claims, and receipts to Higginbotham Flex Department Fax 817-882-9267. Email flexclaims@higginbotham.net. Visit https://flexservices.higginbotham.net. For assistance Call 866-419-3519. Email flexsupport@higginbotham.net.

9/1/26 to 8/31/27 Plan Year Deadlines Funds allocated to the Flexible Spending Account (FSA)/Limited Purpose FSA (LFSA)/ Dependent Care FSA (DCFSA) must be used during the plan year or are forfeited. However, your 2026 to 2027 plan contains an additional two month grace period to spend elected funds through October 31, 2027. Participants have until November 30, 2027 to submit outof-pocket expenses incurred September 1, 2026 to October 31, 2027. Annual election required. Address updates should be made in FrontLine to avoid delivery issues with your new FSA debit card.

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

How the Plans Work Submit Claims and Receipts to NBS

Full Health Care or Limited Purpose FSA funds may be accessed two different ways: 1.

Use your NBS Debit Card to pay for qualified health expenses. Always keep receipts! Employees remain responsible for substantiating claims and providing receipts in the event of an IRS audit.

2. Claims and receipts may be submitted for reimbursement. Dependent Care FSA funds require claim submission; the Debit Card may not be utilized. Claims are not reimbursed until funds are available in the account and after the service is rendered. Claims submitted prior to occurrence date will be denied and need to be resubmitted once incurred.

Visit www.nbsbenefits.com. Call 855-399-3035. Fax 844-438-1496. Email service@nbsbenefits.com. Download the NBS app. Participant Portal: www.mynbsbenefits.com Mail: National Benefit Services, LLC P.O. Box 219393 Kansas City, MO 64121-9393

Important FSA Information The 2026 plan year maximum contribution to a Health Care FSA or Limited Purpose FSA is $3,400. The maximum per plan year you can contribute to a Dependent Care FSA is $7,500 when filing jointly or head of household and $3,750 when married filing separately. You cannot change your election during the year unless you experience an eligible Qualifying Life Event. Qualified Expenses Examples, Plan Details, Mobile App, Claim Forms, and more are located on the Fort Worth ISD Benefit Website. If the terms of this outline differ from your policy, the policy will govern. Additional plan details on covered expenses, limitations, and exclusions are included in the summary plan description located on the Fort Worth ISD Benefits Website: www.mybenefitshub.com/fortworthisd.

For full plan details, please visit your benefit website:

Watch and learn more!

Visit fsastore.com for an array of FSA-eligible products.

Flexible Spending Account (FSA)

Visit www.mybenefitshub.com/fortworthisd for full plan details.

HSA and FSA Comparison Knowing the difference between a Health Savings Account (HSA) and Flexible Spending Account (FSA) can help you choose the best option for you and your family. Health Savings Account

Flexible Spending Account*

Description

• Acts as a personal savings account. • Funds can be used to pay for current or future health care expenses with pretax dollars; or funds can be saved for retirement. • Funds can also be used for your dependents, even if they are not covered by the HDHP.

Health Care FSA – Use funds to pay qualified medical, dental, and vision expenses. Limited Purpose Health Care FSA – Use funds to pay qualified dental and vision expenses only. Dependent Care FSA – Use funds to pay qualified dependent care expenses and services.

Contribution Source

Employee (You)

Account Owner

Employee (You)

Employer

Underlying Insurance Requirement

High Deductible Health Plan

None

Maximum Annual Contribution

2026 Individual – $4,400 Family – $8,750 Age 55+ Additional Catch-up – $1,000

2026 Health Care FSA – $3,400 Limited Purpose Health Care FSA – $3,400 Dependent Care FSA • $7,500 (Single parent filing head of household; or married filing jointly) • $3,750 (Married filing separately)

Permissible Use of Funds

• Pay for qualified out-of-pocket medical, dental, and vision expenses. • If used on nonqualified expenses prior to age 65, subject to income tax plus a 20% penalty.

See details in the Description section above.

Year-to-year rollover of account balance?

Yes. Funds roll over and can be used anytime or saved for future use.

2026 Health Care FSA – Extended grace period after the end of the plan year (61 days) to spend remaining funds*. Limited Purpose Health Care FSA – Same as Health Care FSA. Dependent Care FSA – N/A

Does the account earn interest?

Yes

Portable?

Yes. It is always yours to keep, even if you change jobs or medical plans.

Flip to …

HSA

FSA

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* FSAs are generally considered “use it or lose it” accounts, and unused remaining funds at the end of the plan year are forfeited. Your employer offers more time via a 61-day grace period to incur expenses.

Qualified HSA and FSA Expenses The products and services listed below are examples of medical expenses eligible for payment from your Health Care FSA, Limited Purpose Health Care FSA, or HSA.* This list is not all-inclusive; additional expenses may qualify, and the items listed are subject to change in accordance with IRS regulations. Please refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for complete details. Abdominal supports

Dermatologist

Operating room costs

Acupuncture

Diagnostic fees

Ophthalmologist/Optician/Optometrist

Ambulance

Eyeglasses

Orthopedic shoes

Anesthetist

Gynecologist

Orthopedist

Arch supports

Healing services

Osteopath

Artificial limbs

Hearing aids and batteries

Physician

Blood tests

Hospital bills

Postnatal treatments

Braces

Insulin treatment

Prenatal care

Cardiographs

Lab tests

Prescription medicines

Chiropractor

Metabolism tests

Psychiatrist

Crutches

Neurologist

Therapy equipment

Dental treatment

Nursing

Wheelchair

Dentures

Obstetrician

X-rays

* Excludes Dependent Care FSA.

Working Towards Savings

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Dental Coverage Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work.

Watch to learn more about the Ameritas DPPO MAC Plan!

You have a choice of three plans: New! Ameritas Humana DPPO MAC Plan Advantage Plus

Humana DHMO

New! Ameritas Plan DPPO MAC PLAN Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with innetwork providers. Maximum Allowable Charge (MAC) plans pay out-of-network providers at the in-network contracted rate, often leading to balance billing. Stay in network for $0 preventive benefits and lowest out of pocket costs. Your out of pocket costs will increase if you go out of network.

HOW CAN I GET MY AMERITAS ID CARD? ID cards will be mailed for new enrollees. If you need a new card: Ameritas DPPO MAC Plan Visit www.ameritas.com > Sign in > Personal account. Call 800-487-5553.

The MetLife DPPO plan will not be available as of September 1, 2026. Employees currently enrolled in the MetLife DPPO plan have been rolled into the Ameritas DPPO MAC plan; premium adjustments apply. The new plan pays out-ofnetwork at a lesser amount than the prior plan. Please review plan options and networks carefully and make any needed plan changes during Open Enrollment.

Humana Plans ADVANTAGE PLAN If you enroll in the Humana Advantage Plus plan, you have the freedom to select any dentist in the Advantage network, no primary care dentist (PCD) required. You must use in-network providers for coverage. No annual maximums, deductibles, or claims to file. At time of service, member will pay a copay and scheduled service charge. See plan documents for schedule of services and costs.

HOW CAN I GET MY HUMANA ID CARD? ID cards will be mailed for new enrollees. If you need a new card: Humana Plans

DHMO PLAN If you enroll in the DHMO plan, you and all eligible dependents must select a primary care dentist (PCD) from the DHMO network directory to manage your care. Your initial PCD will be automatically assigned to you based on your ZIP code. You may change your PCD by contacting Humana directly. Dental services with your PCD are unlimited and have fixed copays. There are no deductibles or claim forms to file. Out-of-network care is not covered. See plan documents for schedule of services and costs.

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

Visit www.humana.com. Call 866-427-7478. Via the MyHumana app.

Dental Plan Comparison Ameritas DPPO MAC

Humana Advantage Plus

Humana DHMO 150 C with Ortho

Network Type

DPPO

Advantage

DHMO

Out-of-Network (OON) Reimbursement Type

MAC

No coverage

PROVIDER NETWORK Dental Network Name

Classic and Plus

Advantage Plus

HD DHMO/Prepaid C 150

In-Network Provider Search

https://dentalnetwork.ameritas. com/classicplus

www.humanadental.com

Carrier Contact

800-487-5553

800-979-4760

Carrier Group #

010-351294

573701

Annual Maximum Benefit per Member

$1,500

Charges are fixed and not subject to annual maximums or deductibles.

Annual Deductible Amount: Individual/Family

$50/$150

N/A

Plan Annual Maximum Rollover or Increasing Maximum Threshold and Amount

• Dental Rewards threshold: $750 • Carryover: $250 • Maximum carryover: $1,000

N/A

Office Visit Copay

N/A

$5/$15

$5/$15/$35

Plan Highlights

• New Plan for 9/1/26. This plan does not pay out-of-network dentists above the contracted amount. Stay in-network for a $0 preventive visit and to avoid balance bills. • Members can use our dental cost estimator at anytime to find average procedure charges in their area.

• Freedom to select any participating dentist in the Advantage Plus Network. • Pay copayment and scheduled cost at time of service.

• Initial Primary Care Dentist (PCD assigned by ZIP code). Contact Humana to change PCD. • See PCD as often as necessary, pay PCD copay and scheduled costs at time of service.

PLAN FEATURES

REIMBURSEMENT PERCENTAGES – IN-NETWORK REIMBURSEMENT Class 1: Preventive/Diagnostic Care

Plan pays 100%

Payment based on schedule

Class 2: Basic Restorative Care

Plan pays 80%

Payment based on schedule

Class 3: Major Restorative Care

Plan pays 50%

Payment based on schedule

Class 3: Implants

Plan pays 50%

No coverage

Class 4: Orthodontia Reimbursement Percentage

50%

Member pays schedule rate for up to 24 months of routine treatment

Class 4: Orthodontia: Lifetime Maximum Amount

$1,500

N/A

Class 4: Orthodontia: Adult and Child Coverage

Adults and Child coverage

Class 4: Orthodontia: To What Age are Children Covered?

As needed

ORTHODONTIA

PLAN PROVISIONS Number of Dental Cleanings Available per Year

Employee Semimonthly Contributions Employee Only

$21.46

$9.35

$6.33

Employee & Spouse

$43.26

$19.13

$11.30

Employee & Child(ren)

$48.00

$19.44

$11.98

Employee & Family

$69.67

$31.95

$15.99

You will be reimbursed up to the Maximum Allowable Charge (MAC) for services received from an out-of-network dentist. You are responsible for charges in excess of the MAC, so stay in-network to avoid balance billing. 1

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Vision Coverage Vision insurance provides coverage for routine eye examinations and can help with covering some of the costs for eyeglass frames, lenses or contact lenses.

Find an In-Network Provider Visit eyedoclocator.myhumanavcp.com. Call 866-995-9316.

Vision Provider:

Network: Vision Care Plan (VCP)

Vision Benefits Summary Watch and learn more!

Humana Vision Plan IN-NETWORK YOU PAY

OUT-OF-NETWORK REIMBURSEMENT

Exam with Dilation as Necessary

$10 copay

$30

Retinal Imaging

Up to $39

Not covered

• Up to $40

• Not covered

• 10% off retail

• Not covered

$15 copay

Varies, see plan

• $15 • $15 • $15 • $40 • $45

• Not covered • Not covered • Not covered • Not covered • Not covered

Frames

15% off balance over $130 allowance

$65 allowance

Contacts (materials only) In lieu of frames and lenses • Conventional • Disposable • Medically Necessary

• 15% off balance over $130 allowance • $130 allowance • Covered in full • $0, see plan for details

• Not covered • $104 allowance • $104 allowance • $200 allowance

Diabetic Eye Care and Testing

Varies, see plan

Benefit Frequency • Exam • Lenses or Contact Lenses • Frames

• Once every 12 months • Once every 12 months • Once every 24 months

Contact Lens Exam • Standard Contact Lens Fit and Follow Up • Premium Contact Lens Fit and Follow Up Lenses Single Vision to Lenticular Sample Lens Options See plan for complete list of options • UV coating • Tint • Standard Scratch Resistant • Standard Polycarbonate • Standard Anti-reflective

Employee Semimonthly Rates

Employee Only

$3.11

Employee & Spouse

$6.22

Employee & Child(ren)

$5.92

Employee & Family

$9.30

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

For full plan details, please visit your benefit website: Vision website

Accident Insurance Do you have kids playing sports, are you a weekend warrior, or maybe you’re accident-prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you.

Accident Insurance Provider:

Accident Insurance Benefits Summary Service

Gold Plan

Diamond Plan

Ambulance • Ground • Air

$120 $1,000

$200 $2,000

Emergency Room

$100

$200

Hospital Admission

$500

$1,500

Hospital Confinement

$90 per day – up to 30 days

$150 per day – up to 30 days

Intensive Care Unit Admission

$1,000

$3,000

Intensive Care Unit Confinement

$300 per day – up to 30 days

$500 per day – up to 30 days

Specific Sum Injuries Burns, Dislocations, Coma, Fractures, Lacerations

$750-$7,500

$1,000-$12,500

$20-$2,500

$25-$2,500

• $20,000 • $4,000

• $50,000 • $10,000

$50

Employee Only

$4.70

$8.24

Employee & Spouse

$8.58

$15.06

Employee & Child(ren)

$9.66

$16.82

Employee & Family

$13.54

$23.64

Follow-up Care and Treatment Accidental Death & Dismemberment • Employee & Spouse • Child(ren)

Watch and learn more!

Accident insurance provides affordable protection against a sudden, unforeseen accident. This benefit helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details. Pays cash to you regardless of other coverage First Accident Benefit Pays extra for injuries resulting from organized sports 24-hour coverage Portable HSA-compatible

Wellness per Person per Year 90-day Waiting Period

Employee Semimonthly Rates

Percentage of benefit paid for dismemberment is dependent on type of loss.

For full plan details, please visit your benefit website: Accident Plan

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Cancer Insurance Cancer Insurance Provider:

To File a Claim Call 888-499-0425. Group # 1000009933

This cash benefit is paid directly to you to help with expenses associated with cancer treatment. Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non-medical expenses, such as out-of-town treatments, special diets, daily living, and household upkeep. In addition to these non-medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance helps pay for these direct and indirect treatment costs so you can focus on your health.

Watch and learn more!

Continuity of Coverage: Carrier is changing from APL to Chubb effective 9/1/26. Employees currently enrolled in an APL cancer plan have been rolled into the same level plan with Chubb for 9/1/26. Continuity of coverage is included for employees that remain on the same level plan. Pre-existing condition limitations will apply for those changing plan levels. Pre-Existing Condition Limitation: A condition for which a covered person received medical advice or treatment within 12 months preceding the effective date. Increase in Coverage: Only available at annual renewal. Subject to Pre-Existing Condition provisions and other limitations in the policy.

Cancer Insurance Benefits Summary

For full plan details, please visit your benefit website: Cancer Insurance

Plan 1/Low

Plan 2/High

First Occurrence Benefit

$100

Diagnosis of Cancer

• Employee or Spouse: $5,000 • Child(ren): $7,500

• Employee or Spouse: $10,000 • Child(ren): $15,000

Hospital Confinement

• $100 per day - days 1-30 • Additional days $200; maximum 31 days

• $200 per day - days 1-30 • Additional days $400; maximum 31 days

Hospital ICU Confinement

$600 per day; maximum 31 days

Radiation and Chemotherapy

$15,000

$20,000

Medical Imaging

$500

PLAN FEATURES CORE BENEFITS

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Cancer Insurance Benefits Summary Plan 1/Low

Plan 2/High

Donor Benefit

• $100 per day of confinement • Lifetime maximum donations: 2

Drugs and Medicines – Inpatient

$150 per day of confinement

Bone Marrow Transplant

• First bone marrow transplant: $6,000 • Additional transplant: 50% • Lifetime maximum transplant(s): 2

• First bone marrow transplant: $9,000 • Additional transplant: 50% • Lifetime maximum transplant(s): 2

Stem Cell Transplant

• First stem cell transplant: $600 • Additional transplant: 50% • Lifetime maximum transplant(s): 2

• First stem cell transplant: $900 • Additional transplant: 50% • Lifetime maximum transplant(s): 2

Blood and Plasma

$300 per transfusion

Home Health Care

$100 per day

Hospice

$100 per day

Hair Prosthesis

$150

Medical Equipment

$150 per piece of equipment

Reconstructive Surgery

• Breast TRAM flap: $2,000 • Breast Reconstruction: $500 • Breast Symmetry: $500 • Facial Reconstruction: $500

• Employee or Spouse: $5,000 • Child(ren): $7,500 • Recurrence benefit – Employee or Spouse: $2,500; Child(ren): $3,750

• Employee or Spouse: $10,000 • Child(ren): $15,000 • Recurrence benefit – Employee or Spouse: $5,000; Child(ren): $7,500

• $50 per covered person, per year • Follow-up test benefit amount: $100

PLAN FEATURES TREATMENT BENEFITS

ADDITIONAL BENEFITS

RIDERS Heart Attack and Stroke

WELLNESS BENEFIT Health Screening/Wellness Benefit Amount PLAN PROVISIONS Pre-existing Condition Limitation Period

• Pre-existing Condition Limitation: a condition for which a covered person received medical advice or treatment within 12 months preceding the effective date. • 12/12 - no benefits are payable for any loss incurred during the first 12 months following the certificate effective date if the loss is due to a pre-existing condition. Any increase or addition to coverage will be subject to the pre-existing condition limitation and time limit on certain deference as of the effective date of the increase or addition.

ADDITIONAL INFORMATION Continuity of Coverage Offered

Yes

Portability

Included

Additional Testing Benefits

• Genetic tumor testing benefit • Heritable cancer screening benefit • Pharmacogenomic (PGX) screening testing benefit

Employee Only

$7.75

$12.28

Employee & Spouse

$16.52

$26.34

Employee & Child(ren)

$9.10

$14.40

Employee & Family

$17.83

$28.54

Employee Semimonthly Contributions

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Voluntary Educator Disability Insurance Watch and learn more! Disability Provider:

Disability insurance protects part of your income if you are unable to work due to a covered accident, illness, or pregnancy. We offer Educator Disability Insurance, allowing you the flexibility to choose the coverage amount and waiting period that best suits your needs.

File a Disability Claim Call The Hartford at 866-547-9124 to file a claim. The group number is 395332.

Benefit Amount

Maximum Benefit Duration

You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and a maximum of $10,000 not to exceed 66 2/3% of your current monthly earnings. When choosing your monthly benefit, consider how much money you need to pay your monthly bills.

Benefit Duration is the maximum period benefits are payable for a disability due to sickness or injury. The duration depends on the plan selected and your age when the disability begins; benefits may be reduced after age 60.

Elimination Period The elimination period, sometimes referred to as the waiting period, is how long you are disabled and unable to work before your benefit will begin. This will be displayed as two numbers. The first number indicates the number of days you must be disabled due to an accident and the second number indicates the number of days you must be disabled due to Sickness. For Disability Benefits, an Employee may elect one of the following options: Injury (days)/Sickness (days) 14 days/14 days*

45 days/45 days

30 days/30 days*

90 days/90 days

* For those employees electing an elimination period of 30 days or less, if you are confined to a hospital for 24 hours or more due to a disability, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.

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Premium Option: same maximum benefit duration for both sickness and injury. Select Option: maximum benefit duration for sickness is five years.

Pre-existing Condition Limitation Benefits are limited the first 12 months you are on the plan for medical conditions diagnosed or treated within the three months prior to the plan’s effective date. If your disability is due to a pre-existing condition, the maximum payment will be one month.

For rates and full plan details, please visit your benefit website: Voluntary Educator Disability

Life and AD&D Insurance Watch and learn more! Optional Term Life and AD&D Provider:

Life and Accidental Death and Dismemberment (AD&D) insurance is important to your financial security, especially if others depend on you for support. With Life insurance, your beneficiary(ies) can use the coverage to pay off debts such as credit cards, mortgages, and other final expenses.

Basic Term Life $15,000 of Basic Life insurance is provided to eligible employees at Fort Worth ISD at no cost to you.

Optional Term Life and AD&D Group Optional Term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. You may purchase additional Life and AD&D for yourself and your eligible dependent(s). Dependent coverage can not exceed 100 percent of the employee’s benefit. You must be covered to obtain coverage for your dependents and their coverage can not exceed your amount. The AD&D benefit amount is equal to the Optional Term Life benefit amount. Optional Life plans may be ported or converted upon termination. Please see plan documents for details and limitations.

Evidence of Insurability If you decline Optional Life when first eligible, or if you want to increase your benefit amount later, you may be required to show proof of good health with a Statement of Health (SOH). Watch for an email from MetLife providing instructions or print the form at the end of the THEbenefitsHUB open enrollment walk-through. Questions on SOH should be directed to MetLife, at 800-638-6420, prompt 1, Group #122673-1-G.

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Life and AD&D Insurance Optional Life and AD&D Insurance Employee

• Increments of $10,000 up to $500,000 • New hire Guaranteed Issue $250,000

Spouse

• Increments of $10,000 up to $100,000 not to exceed 100% of your election • New hire Guaranteed Issue $50,000

Child(ren)

• Birth to 26: $5,000, $10,000, or $15,000; not to exceed 100% of your election

SEMIMONTHLY LIFE RATES PER $10,000 OF COVERAGE AGE

EMPLOYEE AND SPOUSE

0-39

$0.38

40-49

$1.18

50-54

$1.56

55-59

$3.13

60-64

$4.40

65+

$4.78

CHILD(REN)1 $5,000

$0.67

$10,000

$1.34

$15,000

$2.01

Supplemental AD&D Coverage is equal to the Optional Term Life Amount. 1

Covers all eligible children

Designating a Beneficiary A beneficiary is the person or entity you elect to receive the death benefits of your Life insurance policies. You can name more than one beneficiary, and you can change beneficiaries at any time. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%). The total must add up to 100%.

For full plan details, please visit your benefit website: Voluntary Life and AD&D

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Permanent Life Insurance Permanent life insurance is a type of life insurance policy that provides coverage for the insured’s entire lifetime, as long as the premiums are paid. It complements term life insurance, which covers the insured for a specified period of time. Permanent life insurance is the coverage you can keep when your employment ends. Voluntary permanent life insurance can be an ideal complement to the group term and voluntary term life insurance your employer might provide. This voluntary permanent universal life product is yours to keep, even when you change jobs or retire, as long as you pay the necessary premium. Group and voluntary term life insurance may be portable if you change jobs, but even if you can keep them after you retire, they usually cost more and decline in death benefit.

The contract, PureLife-plus, is underwritten by Texas Life Insurance Company, and it has the following features: High Death Benefit. Written on a minimal cash value Universal Life frame, this plan features the highest death benefits available at the worksite. Minimal Cash Value. Designed to provide a high death benefit at a reasonable premium. Long Guarantees. Enjoy the assurance of a policy that has a guaranteed death benefit to age 121 and level premium that guarantees coverage for a significant period of time. Refund of Premium. Unique in the marketplace, PureLife-plus offers you a refund of 10 years’ premium, should you surrender the policy if the premium you pay when you buy the policy ever increases. (Conditions apply.) Accelerated Death Benefit Rider. Should you be diagnosed as terminally ill with the expectation of death within 12 months, you will have the option to receive 92% of the death benefit, minus a $150 administrative fee.

Permanent Life Insurance Provider:

Who Can Apply for Coverage? Actively at work employees at issue ages 17-70 are eligible, spouses issue age 17-60, children ages 15 days to 26 years, and grandchildren ages 15 days to 18 years are eligible to apply for this coverage as well. Employees do not have to participate in order to apply for coverage on eligible dependents.

THREE QUICK QUESTIONS! You can qualify by answering just three questions (no exams or needles). During the last six months, has the proposed insured: 1.

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

2. Been absent from work due to illness or medical treatment for a period of more than five consecutive working days? 3. 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 therapy, dialysis treatment, or treatment for alcohol or drug abuse?

For rates and full plan details, please visit your benefit website: Permanent Life Insurance

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Emergency Medical Transport For More Information Emergency Medical Transport Provider:

Visit www.masamts.com. Call 800-423-3226. Download the MASA Global app.

Medical Transport covers emergency transportation to and from appropriate medical facilities by covering the outof-pocket costs that are not covered by insurance. It can include emergency transportation via ground ambulance, air ambulance, and helicopter, depending on the plan*. Watch and learn more!

* If a member has a High Deductible Health Plan that is compatible with a Health Savings Account, benefits will become available under the MASA membership for expenses incurred for medical care (as defined under Internal Revenue Code (“IRC”) section 213 (d)) once a member satisfies the applicable statutory minimum deductible under IRC section 223(c) for High Deductible Health Plan coverage that is compatible with a Health Savings Account.

Emergency Medical Transport Benefits Summary Coverage territories:

EMERGENCY MEDICAL TRANSPORT – MASA Services

Plans EMERGENT PLUS PLAN

PLATINUM PLAN

Emergency Ground Ambulance Coverage

✓²

Emergency Air Ambulance Coverage

✓²

Hospital to Hospital Ambulance Coverage

✓²

Repatriation Near Home Coverage

✓²

✓⁴

Minor Return Transportation Coverage

✓³

Pet Return Transportation Coverage

✓³

Patient Return Transportation Coverage

✓⁴

Companion Emergency Transportation Coverage

✓³

Hospital Visitor Transportation Coverage

✓³

Mortal Remains Transportation Coverage

✓⁴

Vehicle and RV Return Coverage

✓³

Organ Retrieval Transportation Coverage

✓¹

Organ Recipient Transportation Coverage

✓¹

United States only

United States and Canada

United Sates, Canada, Mexico, the Caribbean (excluding Cuba), the Bahamas, and Bermuda 3

Worldwide coverage to include any region with the exclusion of Antarctica and not prohibited by U.S. law or U.S. travel advisories 4

Disclaimer: This material is for informational purposes only and does not provide any coverage. The benefits listed, and the descriptions thereof, do not guarantee coverage and do not represent the full terms and conditions applicable for usage and may only be offered in some memberships or policies. Premiums, benefits, and coverage vary depending on the plan selected. For a complete list of benefits, premiums, terms, conditions, and restrictions, please refer to the applicable member services agreement or policy for your state. For additional information and disclosures about MASA plans, visit https://info.masaglobal.com/disclaimers.

Semimonthly Rates Employee & Family

$7.00

$19.50

For full plan details, please visit your benefit website: Emergency Medical Transport

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

Legal Assistance Legal Provider:

Financial Planning Retirement Plan Provider:

Legal plans provide benefits that cover the most common legal needs you may encounter like creating a standard will, living will, health care power of attorney, or buying a home.

Save Money and Protect your Family Legal insurance from Texas Legal lets you save money on legal services that everyone needs, such as estate planning, while protecting you from serious legal challenges that can come with life’s unknowns, including family, civil, consumer, and criminal issues. Texas Legal is a non-profit founded by the State Legislature of Texas over 40 years ago. Our charter is simple: protect everyday Texans from financial hardship that can come with legal challenges. Available only to Texans, we offer the most comprehensive legal insurance plan on the market. As a member of Texas Legal, you can get high-quality legal help without the high price tag.

LEGAL ASSISTANCE PLANS COVER Estate Planning

Consumer Law

Divorce

Criminal Defense

Bankruptcy

And much more!

Enrollment Two plans are offered. Plan details and enrollment links are on the benefit website home page under Benefit Information>Legal Services>Quick Links>Enroll Now. Call 800-252-9346 for assistance.

A 457(b) is an employer-sponsored, voluntary retirement plan that allows you to save money in a pretax (Traditional) or aftertax (Roth) account. Contributions to the plan are salary-deducted from your paycheck and are automatically deposited into your 457(b) retirement savings account. Once separated from service, withdrawals from a 457(b) account are not subject to a 10% early withdrawal penalty. The 457(b) plan offers employees personalized guidance and flexible strategies to start the process of saving for retirement. TCG delivers investment advice and plan administration solutions that are transparent and costeffective. The plan does not have any surrender charges or penalties upon distribution.

Enrollment Employees may enroll or update their 457(b) plan at anytime during the year. Contact TCG at 800-943-9179 or explore online at https://.tcgservices.com.

2026 IRS CONTRIBUTION LIMITS $24,500 $8,000 additional catch-up contribution (ages 50-59 and 64+) $11,250 additional catch-up contribution (ages 60-63)

For full plan details, please visit your benefit website:

Legal Assistance

Financial Planning

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Glossary of Terms ACA (Affordable Care Act) – The ACA is comprehensive health care reform law enacted in March 2010. References to ACA at HPS typically involve reporting requirements, specifically, that obligate employers to report medical coverage for employees and to provide documents for employee tax preparation. HPS partners with ACA service providers to assist clients in meeting these requirements. Actively-at-work – This term refers to being at work as opposed to being on vacation, leave, or away from work for any other reason. Companywide or position-wide reporting dates (like summer breaks or winter breaks for teachers) do not apply here. ADL (Activities of Daily Living) – This is a concept related to eligibility for Long Term Care (LTC) benefits. There are six ADLs: bathing, dressing, toileting, transferring, eating, and continence. Most LTC plans require that the covered individual be unable to perform a certain number of these tasks to be eligible for benefits. Beneficiary – This is who will receive a benefit in the event of the insured’s death. A policy may have more than one beneficiary. Benefit Duration – This is the maximum period of time in which a claimant can receive benefits. Benefit Reduction – Some plans may include percentage reductions in benefit amounts when participants reach a certain age. Cafeteria/Section 125 Plan – This plan provides participants an opportunity to pay for qualified benefits on a pretax basis. Premiums for most medical, dental, vision, FSA, HSA, accident, and cancer plans are deducted on a pretax basis, which reduces participants’ taxable income. Certificate of Benefits (Certificate of Coverage) – The certificate serves as the primary official plan document for participants of group benefits, as they are not enrolled in an individual policy.

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

COBRA – COBRA allows participants who lose their health benefits the right to continue group health benefits for limited periods of time under certain circumstances including voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals will have to pay the full premium (including any employer contribution applied when employed) up to 102% of the cost to the plan. Coverage is typically available for 18 months but can be extended in certain situations. Copay – Also known as a copayment, this is the fixed amount you pay for health care services received at the time of service. A copay typically goes toward your deductible. Coinsurance – After you have met your deductible, this is your share of the cost of a covered health care service, which is calculated as a percent of the allowed amount for the service. For example, your coinsurance is 20% (while the insurer pays the remaining 80%). Contingent Beneficiary – This is who will receive a benefit in the event of the beneficiary’s (aka the primary beneficiary) death. A policy may have more than one contingent beneficiary. Contingent Plans – Contingent plans make benefits available to participants only when another specific benefit has been elected. Examples of contingent plans include voluntary life for dependents (contingent on the election of employee voluntary life) and a Health Saving Account (contingent on the election of a High Deductible Health Plan). Continuation of Coverage – Many plans offered by HPS clients are continuable under COBRA or portability or conversion options. Standalone clients and cooperatives will have “continuation of coverage” documents that detail plan continuation availability. Conversion – Conversion is a benefit continuation option that transforms group coverage into individual coverage, separate from the group policy. This typically comes with much higher premiums.

Glossary of Terms Covered Expenses – These are health care expenses covered under your health plan. Deductible – This is the amount a participant must cover for health care services before the insurer will share costs and provide coinsurance. Dental Reimbursement Types – Various types of dental plans (except DHMO plans) will pay out-of-network benefits differently. MAC/MRC/NAP (Maximum Allowable Charge/ Maximum Reimbursable Charge/Network Access Plan): Participants will receive the same payouts (contracted fees) for services whether they go in or out of network; and they may be balance billed when going out of network. UCR/R&C(Usual, Customary, and Reasonable/ Reasonable & Customary): When going out of network, the plan will pay an amount determined by the usual cost charged for the service by dentists in a certain geographical area. Eligibility Waiting Period – This period is the amount of time new hires must wait before they are eligible for benefits. Most HPS clients will allow for new hires to be eligible the first of the month following (or coincident with) their date of hire. Elimination Period – Also known as a waiting period, this is the number of calendar days that participants in a Disability plan must be disabled before they are eligible to receive benefits. Employer Contribution – The amount of premium or financial contribution an employer provides to participants for insurance, spending accounts, or retirement. EOB (Explanation of Benefits) – This statement from your insurance carrier explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, and what portion of the claim is your responsibility. It also includes information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review.

EOI (Evidence of Insurability)/Statement of Health (SOH) – Some plans require an application or a “proof of good health” type of statement to obtain coverage. This is commonly referred to as EOI (Evidence of Insurability). Such applications or statements must be submitted electronically or by mail to the carrier for approval. Evergreen Clause – This clause, written into a client’s Cafeteria/Section 125 Plan, allows a client to roll over Flexible Spending Account elections into the new plan year. FMLA (Family and Medical Leave Act) – This act ensures employees have job-protected and unpaid leave for qualified medical and family reasons. FSA (Flexible Spending Account) – An option that allows participants to set aside pretax dollars to pay for qualified expenses (i.e., certain medical care or dependent care expenses) during a specific period (usually a 12-month period). Participants determine how much to contribute to their FSA at the beginning of the plan year. Most funds must be used by the end of the year, depending upon the type of FSA, as there is a limited carryover amount. Grace Period – As it pertains to FSAs, this is the period immediately following the end of the plan year during which participants can incur new claims to use their remaining FSA funds. Guaranteed Issue – Some plans may include Guaranteed Issue coverage to new enrollees without EOI. HDHP (High Deductible Health Plan) – A qualified health plan that combines lower monthly premiums in exchange for higher deductibles and out-of-pocket limits. These plans are often coupled with an HSA. HMO/DHMO (Health Maintenance Organization/ Dental Health Maintenance Organization) – Medical plans labeled as HMO plans have a specified network of providers, and benefits are generally not available outside of that network except in an emergency. DHMO plans follow this same model for dental coverage. HPS (Higginbotham Public Sector) – HPS is the insurance broker that represents your account.

Visit www.mybenefitshub.com/fortworthisd for full plan details.

Glossary of Terms HRA (Health Reimbursement Arrangement) – This is an employer-owned savings account to which the company deposits pretax dollars for each of its covered employees. Employees can then use the funds in their HRA to reimburse themselves for incurred qualified health care expenses. HSA (Health Savings Account) – This is an employeeowned savings account used to pay for eligible health care expenses with pretax dollars. Funds in the account do not have to be used within a specified time period. An HSA must be coupled with qualified HDHP. In-network – Doctors (e.g., a primary care physician or specialist), hospitals, and other providers that contract with your insurance company provide health care services at discounted rates. These providers are on an outlined list of health care practitioners. Inpatient – A person who is treated as a registered patient in a hospital or other health care facility. Medically Necessary – Services or supplies provided by a hospital, health care facility, or physician that meet the following criteria: (1) are appropriate for the symptoms and diagnosis and/or treatment of the condition, illness, disease, or injury; (2) serve to provide diagnosis or direct care and/or treatment of the condition, illness, disease, or injury; (3) are in accordance with standards of good medical practice; (4) are not primarily serving as convenience; and (5) are considered the most appropriate care available. Medicare – An insurance program administered by the federal government to provide health coverage to individuals age 65 or older, or who have certain disabilities or illnesses. Member – You and those covered become members when you enroll in a health plan. This includes eligible employees, their dependents, COBRA beneficiaries, and surviving spouses. Open Enrollment – Open Enrollment refers to the annual period during which employees may enroll in available benefits or make coverage changes without a Qualifying Life Event.

www.å Visit www.mybenefitshub.com/fortworthisd for full plan details.

Out-of-network – Doctors, hospitals, and other providers that are not contracted with your insurance company. If you choose an out-of-network provider, you may be responsible for costs over the amount allowed by your insurance carrier. Out-of-pocket Expense – Amount that you must pay toward the cost of health care services. This includes deductibles, copayments, and coinsurance. Out-of-pocket Maximum – Also known as an out-ofpocket limit, this is the most you pay during a policy or benefit period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount for covered services. PCP (Primary Care Physician) – A doctor who is selected to coordinate treatment under your health plan. This generally includes family practice physicians, general practitioners, internists, and pediatricians. Plan Year – A 12-month period of benefits coverage under a group health plan, which may or may not coincide with a calendar year. Plan Year Maximum – The maximum amount of benefit available to a participant for each plan year. Portability – Portability is a continuation option available that allows participants to continue group coverage beyond their employment. Premiums typically remain in line with active participants, but coverage depends on the continuation of the group policy. If the group policy terminates, portability will no longer be available. PPO (Preferred Provider Organization) – Health plans labeled as PPO refer to the network structure and plan availability. In-network PPO plan providers have agreed to offer services at a contracted rate, which means members generally pay less and get the highest level of benefits. Out-of-network services and providers are also available, but you may pay more for care and generally receive fewer benefits. Preventive Care – The care you receive to help prevent illness or disease. It also includes counseling to prevent health problems.

Glossary of Terms Pre-existing Condition – A pre-existing condition is a medical event, treatment, or diagnosis that occurs prior to the effective date of insurance coverage.

SSNRA (Social Security Normal Retirement Age) – This is the normal retirement age for an employee under the federal Social Security Act.

Pre-existing Condition Limitation – Some plans may limit benefits due to pre-existing conditions for a set period of time.

SSDI (Social Security Disability Insurance) – Disability benefits are available through Social Security as long as a participant is “insured” (has worked long enough and paid into Social Security) and has been defined as disabled by the federal government.

Premium – A reference to the cost (usually monthly) of insurance/benefits paid by the employer or employee. QLE (Qualifying Life Event) – These are events that allow changes to pretax benefits outside of Open Enrollment. Changes must typically be made within 30 or 31 days of the event. Examples of QLEs include marriage, birth, divorce, gain or loss of benefits coverage, and change in employment status affecting benefits. Rate Guarantee – Plan pricing can be under a rate guarantee for a certain amount of time, typically two to four years. The premium rates cannot be changed during this time. Renewal – When a plan’s rate guarantee expires, a rate renewal will be received from the carrier’s underwriter. This establishes new rates beyond the expiration of the rate guarantee. Clients can either accept the new rates, attempt to negotiate the renewal (usually assisted by HPS), or publish an RFP (Request for Proposal) to shop for a new carrier. Rollover – As it pertains to a Health Care FSA or Limited Purpose Health Care FSA, a client can establish a limit of $680 (for 2026) of unused funds that can be rolled over to the next plan year, provided the participant re-enrolls in the FSA plan.

THEbenefitsHUB – This is the benefits enrollment system used by HPS. Underwriting – This is the process of evaluating the risks of insuring an individual or group and establishing premium rates and coverage for the individual or group. Clients are subject to underwriting during RFPs and renewals, and their employees are subject to underwriting when submitting EOI statements for coverage. Usual, Customary and Reasonable (UCR) Allowance – This is the fee paid for covered services that is: (1) a similar amount to the fee charged by a health care provider to the majority of patients for the same procedure; (2) the customary fee paid to providers with similar training and expertise in a similar geographic area: and (3) reasonable in light of any unusual clinical circumstances. Waiver of Premium (WOP) – This is a feature in some insurance plans that allows premiums to be suspended for a participant for a period of disability

Run-out Period – Related to FSAs, this is a period immediately following the end of the plan year in which participants can submit claims incurred within the plan year. For new onboarding clients, this period can be managed by the current or new administrator. The current administrator may charge a fee. If the new administrator manages the run-out period, it will need a report of the FSA participants and their remaining FSA balances.

Visit www.mybenefitshub.com/fortworthisd for full plan details.

This brochure highlights the main features of the Fort Worth ISD employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Fort Worth ISD reserves the right to change or discontinue its employee benefits plans at anytime.