Every decision should be based upon what is best for students.
All stakeholders should be treated with respect.
Cultural diversity should be embraced.
High expectations should be maintained for all employees and students.
District employees should take time to know and understand students and colleagues.
High-quality instruction should be delivered in an engaging manner.
All students should have opportunities to explore and develop their unique traits.
Each TCISD graduate should be college and/or career ready.
All TCISD graduation pathways are worthy and deserving of respect.
Implementation of Quality research-based professional development will improve student learning.
All district personnel have a moral obligation to create, maintain, and support a learning environment that is academically, emotionally, and physically safe.
Shared leadership and collaboration are essential for our success.
Our Mission
We will prepare our students to reach their full potential and excel in their chosen paths.
Contact Information
TCISD ETHICS HOTLINE
TCISD delivers on its promises and is respected for the way it does business. You help drive that reputation by doing the right thing on the job and making the right choice when you see or suspect misconduct. If you see or suspect unethical or illegal activity, don’t ignore it:
Talk to your manager as your first point of contact.
If you don’t feel comfortable talking to your manager, contact The Network and communicate your concerns anonymously and confidentially.
Call toll-free 877-888-0002 anytime day or night.
REQUIRED NOTIFICATION
TRS ActiveCare prescription plans are considered creditable coverage for Medicare Part D purposes. Contact Carrie Jones in the Texas City ISD Benefits Office at 409-916-0133 for more information.
Texas City ISD’s Employee Benefits Program offers multiple health care plans. To help you become fully informed, a Summary of Benefits and Coverage for each plan is available at www.mybenefitshub.com/texascityisd.
Enrollment and Eligibility
OPEN ENROLLMENT
The Open Enrollment (OE) period for eligible Texas City ISD employees is July 27 - August 7, 2026. During OE, you may make changes to your benefit elections or add/remove dependents from your insurance coverage. OE is the only time you may change coverage without a Qualifying Life Event (QLE) (see definition on page 5).
NEW HIRES
As a new hire, you must complete your enrollment within 30 days of your hire date in order to have coverage.
OE SUPPORT
If you have questions or need enrollment help, take advantage of these support services.
IN-PERSON ENROLLMENT SUPPORT
Date: August 4-5, 2026
Time: 4:00 p.m. - 6:30 p.m.
Location: Administration Board Room 1700 9th Ave N Texas City, TX
CALL CENTER SUPPORT
Date: July 27 - August 7
Time: 8:00 a.m. – 5:00 p.m. CT
Call: 817-710-8160
Email: tcisdbenefits@higginbotham.net or cljones@tcisd.org
ELIGIBILITY EMPLOYEES
You are eligible to participate in medical benefits if you are a District employee working 10 or more hours per week and contributing to TRS. You are eligible for all other benefits if you work 20 or more hours per week.
DEPENDENTS
Your eligible dependents include:
Your spouse
Your dependent children from birth to age 26 (under the Voluntary Life plan, children are eligible from six months to age 25)
Your children of any age who are mentally or physically disabled and who are dependent on you for support
Children include:
Natural children
Legally adopted children (or children placed with you for adoption)
Stepchildren
Children for whom you or your spouse are the legal guardian, as long as you have the sole legal right and obligation to provide support and medical care
Dependent coverage takes effect on the same date your coverage begins. You may be asked to provide evidence that your dependents meet the eligibility requirements, such as birth certificates, adoption or guardianship papers, a marriage license, or a federal income tax return.
MAKING CHANGES
In most cases, your benefit elections remain in effect for the entire plan year. However, a QLE allows you to make changes to your elections during the year.
QUALIFYING LIFE EVENTS
Marriage, divorce, legal separation, or annulment
Birth, adoption, or placement for adoption of an eligible child
Death of your spouse or child
Change in your or your spouse’s employment status that affects benefits eligibility (e.g., starting a new job, leaving a job, changing from part-time to full-time, starting or returning from an unpaid leave of absence)
Change in your child’s eligibility for benefits (e.g., reaching the age limit)
Change in residence that affects your eligibility for coverage (e.g., moving out of a medical plan’s network area)
FMLA, COBRA event, judgment, or decree
Becoming eligible for Medicare, Medicaid, or TRICARE
Receiving a Qualified Medical Child Support Order
In most cases, changes will be effective on the first of the month following the date of the event. Some exceptions are birth and adoption, which become effective on the date of the birth or adoption. Please contact the Texas City ISD Benefits Office for more information.
If you do not make your changes within 30 days of the QLE, your changes cannot be made until the next OE period.
Your benefit election changes must be on account of and consistent with your change in status event.
NEW DEPENDENTS
It is your responsibility to notify the Texas City ISD Benefits Office within 30 days of the addition of a new dependent. You must supply the date of the event (birth, marriage, adoption, etc.) along with the new dependent’s name, date of birth, and Social Security number (SSN). You will need to provide documentation as proof of the event. You have 30 days from the addition of a new dependent to make changes to your benefits. If you fail to add your new dependent within 30 days of the event date, you cannot make changes to your benefits until the next OE.
Enrollment and Eligibility
ONLINE ENROLLMENT INSTRUCTIONS
Your online enrollment portal, THEbenefits HUB, provides access to benefits 24 hours a day, seven days a week, anywhere you have internet access.
LOGGING IN
Visit www.mybenefitshub.com/texascityisd to begin the enrollment process.
Your username is now going to be the primary email address you have listed in the THEbenefitsHub. This can be either your work or personal email address.
Your temporary password is your four-digit birth year followed by the last four digits of your SSN (ex:19951234). You will be prompted to create a new password. Once your new password has been set, click Sign and Continue
EMPLOYEE USAGE AGREEMENT
The Employee Usage Agreement is displayed when you first log in to the system as an employee. Please read this section to ensure you understand the terms of your electronic signature within THEbenefits HUB. When you agree with this information, click Sign and Continue
DEMOGRAPHIC INFORMATION
The Employee Data Entry process requires you to enter demographic information. Please review current information for accuracy. Enter any new or missing information and click on the Sign and Continue button when you are ready to proceed to the next step.
Personal Information – Please enter an email address if you have one. If you need to use the Forgot Password link on the Login page, the system will deliver your new login credentials to this email address.
Emergency Information – Enter an emergency contact and the contact method.
Dependent Information – To add a dependent, click on the icon. To edit an existing dependent, click on the icon or the name of the dependent. Click on Save after successfully adding information for each dependent. Please make sure to indicate if your child is a full-time student and/or claimed on your tax return, as this could affect eligibility on some benefit plans.
BENEFITS ENROLLMENT
Each available benefit will appear individually for you to review. Do not use the web browser’s back or forward arrows. Select Sign and Continue to proceed to the next benefit plan.
View Benefit Descriptions – To view, click on View Plan Outline of Benefit or the icon next to the name of the plan you would like to review.
View Plan Cost – Click on the check box next to each eligible family member or choose the coverage level you would like. The cost will automatically appear in the box to the right of the member’s name.
View Total Plan Cost – As you select plans, the cost will be adjusted in the Election Summary box under the plans.
Forms – One or more of your benefit plans may require a paper form to be submitted to the insurance carrier. If this is the case, THEbenefitsHUB will prompt you to print the necessary forms during your online enrollment session.
View Important Plan Information – Your benefits administrator will spotlight the importance of specific features of the plan, or add any disclaimers necessary to include in the Plan Information section. You may expand or collapse this information by clicking on Plan Information
Product Summary Video – Videos are placed throughout the benefit election process. You can access product videos explaining the purpose, function, and importance of the benefit package by clicking on the icon when available.
UNABLE TO FINISH?
If for any reason you are unable to complete the enrollment process, you may log out and log in again at a later time. When you log in, you will walk through the same process. The data previously entered will be stored.
BENEFICIARY INFORMATION
Beneficiaries are required. Please choose your beneficiary(ies) for each applicable plan.
CONSOLIDATED ENROLLMENT FORM
This form will display all data from each of the sections listed earlier, including personal and enrollment information. You may make changes to anything that is incorrect by clicking on the Benefit Plan name. Once you are finished with the enrollment process, click the main menu button and you will be sent to the Employee Menu where you may make changes.
EMPLOYEE MENU
Once the enrollment is completed in the system, you will see the following Employee Menu icons:
Personal Information – Access and edit information by selecting the menu items under Personal Information. You can also change your password in this section.
Dependent Information – Access and edit information for dependents in this section. Make sure the Human Resources (HR) Department knows of any changes made as this may change eligibility status or provide an opportunity to change enrollment in certain benefits.
Benefit Plan Information – Access and view benefits in this section. You will not be able to change benefit elections unless it is OE. See a quick review of all information on the Consolidated Enrollment Form.
Medical Benefits
MEDICAL BENEFITS SUMMARY
1 All family members must designate a PCP. If a member does not use their PCP for routine medical care or does not obtain referrals from their PCP to see specialists, they will not have coverage. Claims will be denied.
2 After deductible.
$0 IN-NETWORK PREVENTIVE CARE
Annual routine physicals (age 12+)
Annual mammogram (age 40+)
Annual OBGYN exam and PAP smear (age 18+)
Annual prostate cancer screening (age 45+)
Well-child care (unlimited up to age 12)
Healthy diet/obesity counseling (unlimited to age 22; age 22+ gets 26 visits per year)
Smoking cessation counseling (eight visits per year)
Breastfeeding support (six per year)
Colonoscopy (age 50+ once every 10 years)
IN-NETWORK PRESCRIPTION DRUG BENEFITS SUMMARY
or Mail Order
•
$0 if PrudentRX-eligible; Pay 30% after deductible ($200 min/$900 max); no 90-day supply for specialty medications
¹ After deductible.
2 The second time you fill a maintenance medication at a retail pharmacy, you will be charged the copays/coinsurance shown.
See page 27 for rates.
Rx Benefits
Express Scripts is your pharmacy benefits manager. CVS pharmacies and most of your preferred pharmacies and medication are included.
Certain specialty drugs are $0 through SaveOnSP.
Health Savings Account
HEALTH SAVINGS ACCOUNT AND FLEXIBLE SPENDING ACCOUNT COMPARISON
SIMILARITIES AND DIFFERENCES
Catch-up contributions for older workers
Contributions subject to
Contributions
Disbursement of funds
Yes. If you are age 55 or older, you may contribute an additional $1,000 to your account each year. This contribution is an above-the-line income tax deduction.
Money is deducted (pretax) from your paycheck every pay period. Additional individual contributions ARE allowed.
Only funds paid into the account are available for health care expenses.
Access Only funds paid in can be accessed.
Portability and forfeiture
Yes, the account is portable and HSA funds are not forfeited when you change employers or health plans. The funds always belong to you.
Expiration Never expires or lost.
Money is deducted (pretax) from your paycheck every pay period. Additional individual contributions are NOT allowed.
The entire annual contribution amount is available from the beginning of the plan year, even if the account is not yet fully funded.
Money can be accessed before it is paid in.
Not portable. If you terminate your employment, you can only use the remaining funds for services that occurred before the date of termination.
All unused funds in the FSA expire, and are lost on the employment termination date or end of the grace period.
Balance carry over (or rollover) Yes. Unused funds are carried over to the following year. No, but the plan allows a grace period for funds to be incurred and submitted.
Non-medical expenses
Proof of expenses required?
HSA funds can be used for non-health care distributions, but are included in gross income and subject to a 10% penalty if under age 65. FSA funds cannot be used for non-medical expenses.
No. However, you should be prepared to substantiate to the IRS that the expense was incurred, the amount of the expense, and its eligibility.
Yes. Be prepared to submit receipts for medical and dental expenses as substantiation.
HEALTH SAVINGS ACCOUNT
If you enroll in the ActiveCare-HD plan — a qualified High Deductible Health Plan (HDHP) — you may be eligible to open an HSA. An HSA is a personal savings account you can use to pay qualified out-of-pocket medical expenses using pretax dollars. You own and control the money in your HSA. The money in your account (including interest and investment earnings) grows tax free, and if the funds are used to pay for qualified medical expenses, it is spent tax free. Unlike an FSA, an HSA is not prefunded and there is no “use it or lose it” rule — you do not lose your money if it is not spent during the plan year. The account automatically rolls over year after year, and the balance is yours to keep even if you change health plans or jobs. If you open an HSA, you may also enroll in our Limited Purpose Health Care FSA to cover dental and vision expenses only.
HSA ADMINISTRATOR
Texas City ISD partners with National Benefit Services (NBS) as our bank for your HSA. Features offered by NBS include:
HSA debit card
Online bill pay
You are eligible to open and contribute to an HSA if you:
Are enrolled in the ActiveCare HD medical plan
Are not covered by another non-HDHP, such as your spouse’s health plan or an HDHP
Are not eligible to be claimed as a dependent on someone else’s tax return
Are not enrolled in Medicare, Medicaid, or TRICARE
Have not received Veterans Administration benefits
Your HSA can be used for your expenses and those of your spouse and dependents, even if they are not covered by the HDHP.
MAXIMUM CONTRIBUTIONS
Your HSA contributions may not exceed the annual maximum amount established by the IRS. The annual contribution maximum is based on the coverage option you elect:
DID YOU KNOW
One of the responsibilities that comes with your HSA account is tracking expenses and keeping careful records. Since your HSA is tax-advantaged, it is subject to IRS regulations and a possible audit. Always keep your receipts!
If you are age 55 or older, you may make a yearly catchup contribution of up to $1,000 to your HSA.
HSA DEBIT CARD
You will receive a debit card from NBS to manage your HSA account reimbursements. Available funds are limited to the balance in your HSA. To view your account information, visit https://nbs.wealthcareportal.com
Always ask your health care provider to file your claims with your insurance so network discounts can be applied. Then you can pay the provider using your HSA debit card based on the balance due after discount.
Flexible Spending Accounts
One way to plan ahead and save money over the course of a year is to participate in our FSA programs.
FSAs allow you to pay for certain health, dental, vision, and dependent care expenses with pretax dollars that reduce your taxable income and save you money. There are three kinds of accounts: two for health care expenses and one for dependent care expenses. When you enroll, you must decide how much money to set aside from your paycheck for each account. Be sure to estimate your expenses conservatively as the IRS requires that you use the money in your account during the plan year and applicable grace period (the “use it or lose it” rule). Our FSAs are administered by NBS
HEALTH CARE FSA
You may contribute up to $3,400 to your Health Care FSA in 2026. Your election amount will be deducted from your paycheck throughout the year, but your entire annual contribution is immediately available to pay for eligible health care expenses not covered by insurance.
Common eligible health care expenses include:
Office visit copays
Prescription drug copays
Coinsurance and deductibles
Dental and vision
For a complete list of eligible expenses, view the IRS Publication 502 online at www.irs.gov
HEALTH CARE FSA DEBIT CARD
If you enroll in the Health Care FSA, NBS will send you a debit card to use for eligible expenses at time of service or purchase. Some purchases will need to be substantiated, so be sure to get an itemized statement or receipt. If you receive notification asking for substantiation, you have 60 days to provide the information. If you do not respond within 60 days, your debit card will be suspended until proper substantiation is received. Your card will last for three years, so be sure to check the expiration date.
IMPORTANT FSA RULES
The maximum per plan year you can contribute to a Health Care 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 a QLE.
Expenses for services received during the 12-month period (or from the date you became covered) can be reimbursed from the money set aside from your pay during the 2026-2027 plan year. You can continue to file claims incurred during the plan year for another 30 days (up until September 30, 2026).
Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
The IRS has amended the “use it or lose it” rule to allow you to carry over up to $680 in your Health Care FSA into the next plan year. The carryover rule does not apply to your Dependent Care FSA.
LIMITED PURPOSE HEALTH CARE FSA
A Limited Purpose Health Care FSA is available if you are enrolled in the HDHP medical plan (ActiveCare HD) and have an HSA. You can use a Limited Purpose Health Care FSA to pay for eligible out-of-pocket dental and vision expenses only, such as:
Dental and orthodontia care (e.g., fillings, X-rays, and braces)
Vision care (e.g., eyeglasses, contact lenses, and LASIK surgery)
DEPENDENT CARE FSA
You may set aside up to $7,500 in 2026 (or $3,750 if married, filing separately) to reimburse yourself for child or adult dependent care in order for you or your spouse to work or attend school full-time. Qualified dependents include your dependent child under the age of 13, or a disabled dependent of any age who spends at least eight hours a day in your home. Dependent care expenses are reimbursed based on the availability of funds in your account. Common eligible expenses include:
Nursery school, childcare centers, or individual care of preschool children (a relative providing care cannot also be claimed as a dependent for income tax purposes)
Day camp programs, excluding overnight camps
medical, dental, and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses, and doctor-prescribed over-the-counter medications).
Purpose Health Care FSA
Care FSA
Dental and vision care expenses that are not covered by your health plan (such as eyeglasses, contacts, LASIK eye surgery, fillings, X-rays, and braces).
Dependent care expenses (such as day care, after-school programs or elder care programs) so you and your spouse can work or attend school full-time.
Maximum contribution is $7,500 ($3,750 if married and filing separate tax returns). Reduces your taxable income.
Limited
Dependent
Abbreviated List of Qualified HSA/FSA Expenses
The products and services listed below are examples of medical expenses eligible for payment under your Health Care HSA or FSA. 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 a complete description of eligible medical and dental expenses.
z Abdominal supports
z Acupuncture
z Air conditioner (when necessary for relief from difficulty in breathing)
z Alcoholism treatment
z Ambulance
z Anesthetic
z Arch supports
z Artificial limbs
z Autoette (when used for relief of sickness/disability)
z Blood tests
z Blood transfusions
z Braces
z Cardiographs
z Chiropractor
z Contact lenses
z Convalescent home (for medical treatment only)
z Crutches
z Dental treatment
z Dental X-rays
z Dentures
z Dermatologist
z Diagnostic fees
z Diathermy
z Drug addiction therapy
z Drugs (prescription)
z Elastic hosiery (prescription)
z Eyeglasses
z Fees paid to health institute prescribed by a doctor
z FICA and FUTA tax paid for medical care service
z Fluoridation unit
z Guide dog
z Gum treatment
z Gynecologist
z Healing services
z Hearing aids and batteries
z Hospital bills
z Hydrotherapy
z Insulin treatment
z Lab tests
z Lead paint removal
z Legal fees
z Lodging (away from home for outpatient care)
z Metabolism tests
z Neurologist
z Nursing (including board and meals)
z Obstetrician
z Operating room costs
z Ophthalmologist
z Optician
z Optometrist
z Oral surgery
z Organ transplant (including donor’s expenses)
z Orthopedic shoes
z Orthopedist
z Osteopath
z Oxygen and oxygen equipment
z Pediatrician
z Physician
z Physiotherapist
z Podiatrist
z Postnatal treatments
z Practical nurse for medical services
z Prenatal care
z Prescription medicines
z Psychiatrist
z Psychoanalyst
z Psychologist
z Psychotherapy
z Radium therapy
z Registered nurse
z Special school costs for the handicapped
z Spinal fluid test
z Splints
z Surgeon
z Telephone or TV equipment to assist the hard-of-hearing
z Therapy equipment
z Transportation expenses (relative to health care)
z Ultraviolet ray treatment
z Vaccines
z Vitamins (if prescribed)
z Wheelchair
z X-rays
Health Care Options
NON-EMERGENCY CARE
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed
VIRTUAL VISITS/ TELEMEDICINE
DOCTOR’S OFFICE
RETAIL CLINIC
24 hours a day, 7 days a week
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history
Office hours vary
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies
Hours vary based on store hours
■ Allergies
■ Cough/cold/flu
■ Rash
■ Stomachache
URGENT CARE
EMERGENCY CARE
When you need immediate attention; walk-in basis is usually accepted
Generally includes evening, weekend, and holiday hours
■ Infections
■ Sore and strep throat
■ Vaccinations
■ Minor injuries/sprains/ strains
■ Common infections
■ Minor injuries
■ Pregnancy tests
■ Vaccinations
■ Sprains and strains
■ Minor broken bones
■ Small cuts that may require stitches
■ Minor burns and infections
HOSPITAL ER
FREESTANDING ER
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility
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
24 hours a day, 7 days a week
■ Chest pain
■ Difficulty breathing
■ Severe bleeding
■ Blurred or sudden loss of vision
■ Major broken bones
■ Most major injuries except trauma
■ Severe pain
15-20 minutes
Minimal
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.
Telemedicine
This year, you have two telemedicine options to choose from:
Teladoc – for general medical care
RediMD – for general medical care and mental health care
USE VIRTUAL CARE WHEN:
Your doctor or pediatrician is unavailable
You are traveling and need medical care
You need a prescription or refill
It is not convenient to leave your home or office
Both telemedicine options provide 24/7 access to doctors for common, non-emergency illnesses by computer, tablet, phone or smartphone, or online video if you are enrolled in a TRS ActiveCare medical plan. You may use either one or both for your covered family’s health care needs. Use RediMD for a convenient way to get mental and behavioral health care and pay $0 on most plans.
Both options can provide prescription medications or refills, if needed.
ActiveCare HD plan: $42
COST
All Other ActiveCare plans: $12 ActiveCare HD: $30 All Other ActiveCare Plans: $0
COMMON CONDITIONS TREATED
• Allergies
• Bronchitis
• Cold
• Flu
• Poison ivy
• Respiratory infections
• Sinus infections
• Urinary tract infections
• And more
• Allergies
• Blood Pressure
• Cold
• Cough
• Diabetes
• Flu
• Headaches
• Mental and Behavioral Issues
• Sinus Infections
• Skin Issues
• Sore Throat
• Stomach Problems
• Stress
Contact Teladoc
Visit www.teladoc.com
Call 855-TELADOC (835-2362).
Download Teladoc app
Contact RediMD
Visit https://www.redimd.com/trsactivecare.
Call 866-989-CURE, option 3.
(Use registration code: trsactivecare.)
RediMD is available for your dependents to use. If the patient is 17 years old or younger, a parent or guardian must be present during the virtual visit.
Medical Benefit Extras
BLUE ACCESS FOR MEMBERS
Blue Access for Members (BAM) is the secure BCBSTX member website where you can:
Check the status of your claims and your claim history
Confirm which family members are covered under your plan
View and print Explanation of Benefits claims statement
Locate an in-network provider
Request a new or replacement member ID card or print a temporary member ID card
And much more
To get started, log on to www.bcbstx.com and use the information on your BCBSTX ID card to complete the registration process.
BCBSTX FITNESS PROGRAM
Get unlimited access to more than 10,000 fitness centers and select YMCA locations with no contract required, making it easy to visit the gym at your convenience near home, work, or while traveling.
ELIGIBILITY
As part of your BCBSTX medical coverage, you and your covered dependents (age 18 and older) are eligible to join.
MEMBERSHIP COST
One time $25 enrollment fee plus tax
$25 plus tax per month, per member
LOCATE A FITNESS CENTER
Visit www.bcbstx.com to find a list of participating gyms in your area. Facilities include Anytime Fitness, Snap Fitness, Curves, LA Fitness, and some YMCA locations. The list can change at anytime, so check the gym locator online for the most up-to-date list.
BLUE CARE CONNECTION NURSELINE
BCBSTX has registered nurses available to help you 24/7 who can answer your health questions and help you decide whether you should go to the emergency room, urgent care center, or make an appointment with your doctor. Contact Nurseline with any health questions by calling 800-581-0393
MATERNITY AND FAMILY BENEFITS
If you are pregnant or are planning to get pregnant, your BCBSTX health plan offers tools from Maven Health and Well onTarget to help you prepare for parenthood. Call 888-421-7781 for more information.
MAVEN HEALTH
Maven Health’s suite of maternity and family apps support you by tracking your cycle, pregnancy, and your baby’s growth.
Maven Fertility – Track your cycle and predict when you are more likely to get pregnant
Maven Pregnancy – Monitor your pregnancy and your baby’s growth
Maven Parenting – Keep up with your baby’s growth and milestones from birth to three years old
WELL ONTARGET
Well onTarget offers self-guided courses about pregnancy that you can take online. Topics include healthy foods, body changes, and labor.
Dental Benefits
Our dental plans through Cigna help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Premium contributions for dental will be deducted from your paycheck on a pretax basis.
DHMO PLAN
When you enroll in the DHMO plan, you must choose a primary dentist from the DHMO network directory to manage your care. Each eligible dependent may choose their own primary dentist. Services under the DHMO plan are unlimited with fixed copays and no deductibles. There are also no claims forms to file.
DENTAL BENEFITS SUMMARY
DPPO PLAN
Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may select the dental provider of your choice, but your level of coverage may vary based on the provider you see for services. Using an in-network provider will provide you with the highest level of benefits and the deepest discounts the plan offers. You could pay more if you use an out-of-network provider.
If you waive medical coverage, Texas City ISD will pay 100% of the employee-only cost on the DPPO plan.
1 Payment for covered services received from an out-of-network dentist is based on the 90th percentile of Usual, Customary, and Reasonable (UCR) charges.
2 Orthodontia treatment plan coverage is for 24 months for adults and children up to age 19.
3 Coverage for employee and dependents.
See page 27 for rates.
Vision Benefits
Our vision plan through Superior Vision is designed to provide your basic eyewear needs, and to preserve your health and eyesight. In addition to identifying vision and eye problems, regular exams can detect certain medical issues such as diabetes or high cholesterol. You may seek care from any licensed optometrist, ophthalmologist, or optician, but plan benefits are better if you use an innetwork provider.
VISION BENEFITS SUMMARY
• Single vision
• Bifocals
• Trifocals
• Lenticular
Life and AD&D Insurance
Life insurance is an important part of your financial security, especially if others depend on you for support. Even if you are single, your beneficiary can use your Life insurance to pay off your debts such as credit cards, mortgages, and other final expenses.
Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies).
BASIC LIFE AND AD&D
If you are enrolled in one of our medical plans, Basic Life and AD&D insurance are provided by Texas City ISD at no cost to you through The Standard. You are automatically covered at $10,000. If you are not enrolled in one of our medical plans, you are automatically covered at $35,000.
VOLUNTARY LIFE AND AD&D
You may purchase additional Life and AD&D insurance through The Standard for you and your eligible dependents. If you decline Voluntary Life and AD&D insurance when first eligible, increase your coverage amount, or if the amount you elect exceeds the Guaranteed Issue amount, Evidence of Insurability (EOI) — proof of good health — will be required before coverage can be approved. You must elect Voluntary Life and AD&D insurance for yourself in order to elect coverage for your spouse or children.
You may purchase up to $500,000 in $10,000 increments for yourself; up to $250,000 in $5,000 increments for your spouse; and up to $10,000 in $1,000 increments for your child(ren). If you leave Texas City ISD, you may be able to take the insurance with you.
REMINDERS
Current employees enrolled in Term Life insurance may increase coverage during open enrollment by one increment of $10,000 (up to a maximum of $300,000) without providing EOI (answering medical questions).
Current employees enrolled in Spouse Term Life insurance may increase coverage on their spouse during open enrollment by one increment of $5,000 (up to a maximum of $50,000) without providing EOI.
Current employees enrolling in coverage for the first time (or current participants electing an increase over $10,000 individual, or $5,000 for spouse) will be required to complete the medical questionnaire.
NOTE: If the medical questionnaire is required, you will be prompted to print out and submit the form at the end of the online enrollment process. If you have any questions, please contact Higginbotham at 713-439-5233.
DESIGNATING A BENEFICIARY
A beneficiary is the person or entity you designate to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at anytime. If you name more than one beneficiary, you must identify the share for each.
• Increments of $10,000 up to the lesser of five times your annual salary or $500,000
• Guaranteed Issue1 $300,000 under age 65, $30,000 age 65 or older
• Increments of $5,000 up to $250,000
Spouse
• Guaranteed Issue $50,000
Unmarried, Dependent Child(ren) Live birth to age 25: $10,000, $5,000 or $1,000
1 Guaranteed Issue means you do not need to provide evidence of good health. This applies to new hires only.
Disability Insurance
A catastrophic accident or serious diagnosis not only takes away your ability to work, it may also take away your ability to support yourself and your family. Disability insurance provides income protection in the event you become disabled and are unable to work due to a non-occupational illness or injury. Coverage is provided through The Hartford. You must be actively at work for any coverage to take effect.
CALCULATE YOUR SEMIMONTHLY COST
Choose a plan option, a monthly benefit amount to receive and select a benefit waiting period.
Example
Plan Option – Premium Plan A
Benefit Amount – $2,000
Benefit Waiting Period – 30 days $2,000 ÷ $100 = $20 × $2.22 = $44.40 monthly cost
$44.40 ÷ 2 = $22.20 semimonthly cost
to age 63 • Accidental
1 Social Security Normal Retirement Age
2 A limited benefit will be paid if a disability begins in the first three months following the individual’s effective date of insurance and the disability is caused by, contributed to or the result of a condition for which medical advice or treatment was received in the three months just prior to the effective date of insurance and the individual was not treatment free for 12 consecutive months after the effective date of insurance. The amount payable under this provision will be the lesser of:
The monthly benefit payable if the individual did not have a pre-existing condition; or
The gross monthly benefit multiplied by 100%.
MONTHLY RATES
Supplemental Insurance
CANCER INSURANCE
Cancer insurance through Guardian helps cover the out-of-pocket expenses associated with a cancer diagnosis not covered by health insurance. Coverage is portable, which means you can take it with you if your employment status changes.
CRITICAL ILLNESS INSURANCE
Critical Illness insurance through Voya pays a lump-sum payment directly to you upon diagnosis of a covered critical illness. You may purchase coverage for yourself or your dependents. Coverage is portable, which means you can take it with you if your employment status changes.
Heart attack, stroke, coma, major organ failure, permanent paralysis, end stage renal failure, benign brain tumor, occupational HIV, deafness, blindness, multiple sclerosis, ALS, Alzheimer’s disease, Parkinson’s disease, infectious disease, cancer
in situ, coronary artery bypass, skin cancer
VOLUNTARY ACCIDENT INSURANCE
The Hartford Voluntary Accident insurance provides affordable protection against a sudden, unforeseen accident.
The Accident plan helps cover out-ofpocket costs related to an accident— like copays, deductibles, ambulance services, physical therapy, and other expenses not covered by your health plan. You have a choice of two plans. See the Plan Summary for full coverage details.
CRITICAL ILLNESS MONTHLY RATES
Find the age-banded and benefit value rate in the table below and divide by two to calculate your semimonthly cost.
WELLNESS BENEFIT
A $50 wellness benefit ($25 for children) will be applied for completing a health screening test (e.g., mammography, colonoscopy, cholesterol test). This benefit is available once a year per covered individual. Scan here to file a wellness benefits claim.
Supplemental Benefits
LEGAL SERVICES
LegalShield provides coverage for the following areas of law and more:
Consultation and advice
Dedicated provider law firm
Court representation
Legal document preparation and review
Divorce
Letters and phone calls made on your behalf
Traffic ticket consultation
Will preparation
24/7 emergency legal access
Mobile app
IDENTITY THEFT PROTECTION
IDShield can monitor your Personally Identifiable Information (PII), send identity and credit threat alerts if suspicious activity is found, and provide complete restoration of your identity. IDShield services include:
Identity consultation and advice
Dedicated licensed private investigators
$1 million protection policy
Unlimited service guarantee
Identity, credit, and social media monitoring plus realtime alerts
Username/password combination monitoring only available with IDShield
Full-service identity restoration
Child monitoring (family plan only)
24/7 emergency access
Mobile app
Contact LegalShield and IDShield
Visit login.legalshield.com
Call 888-807-0407.
Download the mobile apps.
MEDICAL TRANSPORT SOLUTIONS
Insurance coverage and Medicare may not cover all of your emergency costs. MASA MTS helps you prepare for the unexpected by providing access to affordable medical emergency air and ground transportation. This plan covers all providers of emergency air and ground transportation in the U.S. and Canada. Contact MASA MTS online at www.masamts.com or by calling 800-423-3226
DID YOU KNOW
The average cost for air ambulance transportation is $20,000 and can go as high as $100,000. Following your medical crisis, MASA MTS will negotiate with your medical carrier and cover the remaining balance on your medical transportation bills.
Retirement Plan
It is never too early or too late to start planning for your retirement. While your TRS pension may be enough to pay your expenses when you first retire, your reduced monthly income may not be enough to cover costs from medical bills, taxes, or your desired standard of living. Texas City ISD offers two retirement plan options allowing you to select the type of plan that best fits your needs.
403(B) PLAN
A 403(b) is a retirement savings plan that allows you to make contributions on a pretax basis. Automatic payroll deductions are available.
457(B) PLAN
A 457(b) is a retirement savings plan overseen by a committee of professional investment advisors. It also gives you the flexibility to design your own investment strategy with a choice of investment options. Automatic payroll deductions are available.
Employee Assistance Program
The Employee Assistance Program (EAP) offered through The Standard provides a variety of support programs for you and your family, and is aimed at helping you deal with personal concerns on some of life’s toughest issues. Whether it is depression, alcohol and drug abuse, grief or loss, financial or legal issues, there are services that can help you 24 hours a day, seven days a week. This confidential program is provided at no cost to you and your dependents to receive unlimited counseling by phone.
The EAP can provide assistance for the following:
Anxiety and depression
Personal legal and financial issues
Divorce and separation
Work-related stress/career development
Dependent care and elder care assistance
Chemical dependency and alcohol abuse
Financial information
Legal support
Glossary of Terms
Beneficiary – Who will receive a benefit in the event of the insured’s death. A policy may have more than one beneficiary.
Coinsurance – Your share of the cost of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service, typically after you meet your deductible.
Copay – The fixed amount you pay for health care services received.
Deductible – The amount you owe for health care services before your health insurance begins to pay its portion. For example, if your deductible is $1,000, your plan does not pay anything until you meet your $1,000 deductible for covered health care services. The deductible may not apply to all services, including preventive care.
Employee Contribution – The amount you pay for your insurance coverage.
Employer Contribution – The amount Texas City ISD contributes to the cost of your benefits.
Explanation of Benefits (EOB) – A statement sent by your insurance carrier that explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, what portion of the claim is your responsibility, and information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review.
Flexible Spending Account (FSA)
– An option that allows participants to set aside pretax dollars to pay for certain qualified expenses during a specific time period (usually a 12-month period).
Health Savings Account (HSA) – A personal savings account that allows you to pay for qualified medical expenses with pretax dollars.
High
Deductible
Health
Plan (HDHP) – A medical plan with a higher deductible in exchange for a lower monthly premium. You must meet the annual deductible before any benefits are paid by the plan.
In-Network – Doctors, hospitals, and other providers that contract with your insurance company to provide health care services at discounted rates.
Out-of-Network – Doctors, hospitals, and other providers that are not contracted with your insurance company. If you choose an outof-network provider, you may be responsible for costs over the amount allowed by your insurance carrier.
Out-of-Pocket Maximum – Also known as an out-of-pocket limit. The most you pay during a policy period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount. The limit does not include your premium, charges beyond the URC, or health care your plan does not cover. Check with your health insurance carrier to confirm what payments apply to the out-of-pocket maximum.
Prescription Medications –Medications prescribed by a doctor. Cost of these medications is determined by their assigned tier.
Over-the-Counter (OTC) Medications – Medications typically made available without a prescription.
Generic Drugs – Drugs approved by the U.S. Food and Drug Administration (FDA) to be chemically identical to corresponding brand name versions. The color or flavor of a generic medicine may be different, but the active ingredient is the same.
Preventive Care – The care you receive to prevent illness or disease. It also includes counseling to prevent health problems.
SSNRA – Social Security Normal Retirement Age.
Usual, Reasonable, and Customary (URC) – Also known as an eligible expense or the Usual and Customary (U&C). The amount your insurance company will pay for a medical service in a geographic region based on what providers in the area usually charge for the same or similar medical service.
This brochure highlights the main features of the Texas City ISD employee benefits program. It is intended to help you choose the benefits that are best for you. This brochure does not include all plan rules and details. 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. Texas City ISD reserves the right to change or discontinue its benefit plans anytime.
