The mission of the Weatherford ISD is to educate, engage, and empower each student in a safe and positive learning environment to discover and reach their greatest potential.
Our Vision Statement
Weatherford ISD will be the leader in educational and innovative opportunities for all students.
We value and respect all students, employees, parents, partners, and our community.
We demonstrate visionary leadership.
We engage in and promote personal and organizational learning.
We make data-driven decisions.
We practice ethical behavior and personal integrity.
Focus on student success
Focus on students, parents, and community
Focus on operational excellence
Focus on employees and organizational development
Focus on stewardship
Company name: ABILI
Weatherford ISD’s employee benefits program offers two medical plan coverage options. To help you become fully informed, a Summary of Benefits and Coverage summarizing important information about each plan is available at www.mybenefitshub.com/weatherfordisd
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see Legal Notices for more details.
Enrollment and Eligibility
OPEN ENROLLMENT
The Open Enrollment (OE) period for eligible employees of the Weatherford ISD is July 13 – August 11, 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 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.
ELIGIBILITY
Employees
You are eligible to participate in all employee benefits if you are a District employee working 20 or more hours per week and contributing to TRS. Substitutes and part-time employees are eligible to enroll for health insurance only if they are working 10 or more hours per week. Special conditions apply. Please contact the Weatherford ISD Benefits Office for more information.
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 26)
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.
Enrollment and Eligibility
MAKING CHANGES
In most cases, your benefit elections will 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 leave, 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 Weatherford 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 Weatherford 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 period.
Enrollment and Eligibility
ONLINE ENROLLMENT
INSTRUCTIONS
Your online enrollment portal, THEbenefits HUB, has some new features and steps this year. You will continue to have 24/7 access, and the portal will guide you through the enrollment process.
Extra Security
We have added new multifactor authentication measures to simplify the log-in process and to ensure the security of the portal and your account. This includes four different verification options, which are based on already existing information in your personal profile. Here are the verification contact options:
Text
Call Email Ask Admin
It is important that your information is accurate and current for login purposes. To add, correct, or update your information, please use the Ask Admin option to access your existing account or, for first-time users, to set up a new account.
Logging In
Go to www.mybenefitshub.com/weatherfordisd to begin your enrollment.
On the THEbenefitsHUB login page, enter your last name, date of birth, and last four digits of your SSN; then click the Login button.
Next, on the Additional Security Verification page, choose from the list of verification contact options from your profile; select either the Text, Call, Email, or Ask Admin option to get a code to complete the final verification step.
If you select the Ask Admin verification method, you will be instructed to call the phone number provided to get your code.
Enter the code and click Verify
You can now complete your benefits enrollment!
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. Dependent Information – Click on the icon to add a dependent. 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.
Enrollment and Eligibility
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/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 at a later time. When you log in again, 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 Human Resources 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 Coverage
The medical plan options through Cigna protect you and your family from major financial hardship in the event of illness or injury. You have a choice of two plans:
Cigna Copay EPO plan
Cigna High Deductible PPO (HD PPO) plan
Exclusive
Provider Organization
With an Exclusive Provider Organization (EPO) plan, you must only see in-network providers for your care. With the exception of a true emergency, benefits are only payable if you go to in-network providers or facilities for care. If you go to an out-of-network provider or facility, you will be responsible for all costs. You do not have to select a primary care physician or get a referral to see a specialist. Always confirm that your doctors and specialists are innetwork before seeking care.
Preferred Provider Organization
A Preferred Provider Organization (PPO) plan allows you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see innetwork providers, your office visits, urgent care visits, and prescription drugs are covered with a copay and most other network services are covered at the coinsurance level.
High Deductible Health Plan
A High Deductible Health Plan (HDHP) also allows you to see any provider when you need care, but you will pay less for care when you go to in-network providers. In exchange for a lower per-paycheck cost for medical benefits, you must satisfy a higher plan deductible that applies to almost all health care expenses, including prescription drugs. If you enroll in the HDHP, you may be eligible to open a Health Savings Account (HSA). See page 10.
Cigna Member Website
myCigna.com serves as your one-stop shop for all Cigna health plan and benefits information. Key features include managing and tracking claims, accessing digital ID cards, finding in-network providers, accessing cost comparison tools, reviewing coverage details, and more. Visit www.mycigna.com to register.
One Guide – Get help from a personal guide to navigate your Cigna benefits and resources. Call the number on the back of your Cigna ID card, use the click-to-chat function on www.mycigna.com, or call 866-494-2111
Health Information Line – Speak to a nurse anytime to get answers and recommendations based on your specific health situation. Call the number on the back of your Cigna ID card for 24/7 access.
Live, 24/7 Customer Service – Contact a representative via phone, chat, or app.
Mobile App
Download the myCigna app to access your Cigna health plan and benefits information while on the go. This app helps you organize and access important plan information on your smartphone or tablet. It is also available in Spanish.
Cigna Digital ID Card
You have one ID card for both your pharmacy and medical needs. Cigna no longer issues and mails physical ID cards.
How to Access Your Digital ID Card
Log in at www.mycigna.com or the myCigna app.
Click or tap ID Cards.
View your and any dependents’ card(s).
Email cards directly to doctors.
Save your digital ID cards in your Apple Wallet.
Medical Coverage
MEDICAL BENEFITS SUMMARY
Health Savings Accounts
If you enroll in the HD PPO plan, you may also be eligible to open an HSA. An HSA is a personal savings account you can use to pay qualified out-of-pocket medical expenses with 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 a Flexible Spending Account (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 each 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 FSA to cover dental and vision expenses only.
HSA Administrator
Weatherford ISD partners with EECU as our bank for your HSA. Features offered by EECU include:
HSA debit Mastercard
Online bill pay
ACH transfer
Mobile deposits
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!
HSA Eligibility
You are eligible to open and contribute to an HSA if you:
Are enrolled in the HD PPO Plan
Are not covered by another non-HDHP, such as your spouse’s health plan or a Health Care FSA
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 amounts established by the IRS. The annual contribution maximums are based on the coverage option you elect:
If you are age 55 or older, you may make an additional catch-up contribution of up to $1,000 to your HSA each year.
HSA Debit Card
You will receive a debit card from EECU to manage your HSA account reimbursements. Available funds are limited to the balance in your HSA. To view your account information, visit www.eecu.org
Always ask your health care provider to file your claims with your insurance provider so network discounts can be applied. Then you can pay the provider using your HSA debit card.
Flexible Spending Accounts
FSAs allow you to set aside pretax dollars to cover eligible expenses. By spending pretax FSA dollars, you end up with more take-home pay. 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 list of eligible expenses, view IRS Publication 502 Medical and Dental Expenses at www.irs.gov.
Our plan allows a grace period for claims to be incurred. You have until November 15, 2027 to incur expenses and until November 30, 2027 to submit claims for those expenses.
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 the 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.
LIMITED HEALTH CARE FSA
If you contribute to an HSA, you cannot participate in the Health Care FSA, but you can enroll in the Limited FSA. You can use a Limited FSA to pay for eligible outof-pocket dental and vision expenses 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 ($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
Flexible Spending Accounts
ONLINE ACCESS AND MOBILE APP
Visit www.mynbsbenefits.com or download the NBS Benefits Mobile app.
24/7 access to account balances and forms
Manage personal information
Access calculators to estimate your out-of-pocket expenses
Health Care FSA
Limited Health Care FSA Available if you contribute to an HSA
Dependent Care FSA
Most medical, dental, and vision care expenses not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses, and doctorprescribed over-the-counter medications)
Dental and vision care expenses not covered by your health plan (such as eyeglasses, contacts, LASIK eye surgery, fillings, X-rays, and braces)
Maximum contribution is $3,400 per year Saves on eligible expenses not covered by insurance; reduces your taxable income
Maximum contribution is $7,500 per year ($3,750 if married and filing separate tax returns) Reduces your taxable income or
Dependent care expenses (such as daycare, after-school programs, or eldercare programs) so you and your spouse can work or attend school full-time
Maximum contribution is $3,400 per year Saves on eligible expenses not covered by insurance; reduces your taxable income
HSA and FSA Comparison
Similarities and Differences
Catch-up Contributions for Older Workers 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.
Disbursement of Funds
is deducted (pretax) from your paycheck every pay period. Additional individual contributions ARE allowed.
is deducted (pretax) from your paycheck every pay period. Additional individual contributions are NOT allowed.
funds paid into the account are available for health care expenses. The entire annual contribution amount is available from the beginning of the plan year, even if the account is not yet fully funded.
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. Not portable. If you terminate your employment, you can only use the remaining funds for services that occurred before the date of termination. Expiration Never expires or lost. All unused funds in the FSA expire and are lost on the employment termination date or end of the grace period.
Balance Carry Over (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 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.
Proof of expenses required? 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.
Medical Benefit Extras
ONSITE HEALTH CLINIC
Weatherford ISD partners with Parker County Hospital District Outreach Program to provide medical care onsite at each campus. We recognize early treatment of most conditions decreases the need for expensive medical care and unnecessary emergency room visits.
Using the MedPod Medical Cart and telemedicine, the health care needs of eligible employees* and students can be met in a convenient setting with each campus nurse. There is a $25-per-visit fee for Weatherford ISD employees that can be paid with a debit, credit, HSA, or FSA card.
Telemedicine sites treat minor issues such as:
Fever
Sore throat
Rashes
Allergies
Ear pain
Eye infections (pink eye)
Cold
Flu
Available diagnostic laboratory procedures include:
Blood glucose level
Streptococcal pharyngitis
Mononucleosis
Flu types A and B
To receive treatment through a school telemedicine clinic, staff members must be enrolled in the program. Visit https://webapp.yosicare.com/?pid=306801 to begin the online enrollment process.
Questions? Call Chrissy Jones with PCHD at 817-458-3331.
*You must work at least 20 hours per week to be eligible for telemedicine. Temporary employees and substitute teachers are not eligible for telemedicine.
Medical Benefit Extras
PHARMACY BENEFITS
Your Prescription Drug List
Log in at www.mycigna.com or the myCigna app and use the Price a Medication tool to see how your medication is covered and how much it costs.
Prior Authorization – Certain medications need approval from Cigna before your plan will cover them.
Quantity Limits – On some medications, your plan only covers up to a certain amount over a certain length of time. For example, 30mg a day for 30 days.
Step Therapy – Certain high-cost medications are part of the Step Therapy program. Your plan doesn’t cover Step Therapy medications until you try one or more generic and/or preferred-brand alternatives first (unless you receive approval from Cigna).
Prescription Services
If you take medication on a regular basis for a chronic condition, Cigna 90 Now will make buying your maintenance medications easier. The program allows you to choose how, where, and in what quantity you fill your medication. Go to www.cigna.com/rx90network or download the myCigna app to learn more.
Home Delivery Service
Cigna’s Express Scripts Home Delivery service is a convenient, cost-effective way to receive up to a 90-day supply of prescription drugs. Your medication is delivered by mail directly to your home or work address. Orders can be managed online and through the myCigna app. Call 800-835-3784 to learn more.
Specialty Pharmacy Services
Cigna Pathwell Specialty offers the support you need to treat complex medical conditions, including providers and specialty medications that are covered under the Cigna medical benefit. Some restrictions apply.
For infused or injected medication needs, go to www.cigna.com/pathwellspecialty to find network providers. In-home infusions are also available. Call 877-505-3681 to speak with a Cigna specialty care manager.
GoodRx
Cigna partners with GoodRx to give you the best price on your generic prescriptions when filled at an in-network retail pharmacy. When you present your Cigna ID card at the pharmacy, the system will automatically scan your pharmacy benefits and GoodRx so you pay the lowest price available.
Medical Benefit Extras
WELLNESS PROGRAMS
These programs and resources are available to those enrolled in a Cigna medical plan. They can be accessed at www.mycigna.com or by calling the number on the back of your Cigna ID card.
Emotional Well-being Support
Cigna’s member-only assistance program and digital tools are available to improve your emotional well-being and help manage life events. Resources include Happify, iPrevail, face-to-face appointments, counseling by phone, and legal and financial consultations. Access these benefits directly at www.mycigna.com or on the myCigna app at no additional cost.
Healthy Rewards
This program offers discounts on health and wellness programs and services. Get discounts on Active&Fit fitness club memberships, LASIK, and Amplifon hearing devices. Visit www.cigna.com/discoverhealthyrewards or call 800-258-3312 for details.
Diabetes Management
If you meet eligibility criteria, Cigna offers a personalized diabetes prevention program to you at no additional cost through Omada. The 16-week program includes a digital platform and scale, access to professional coaches, online peer support groups, and interactive online training sessions focused on healthy eating, physical activity, sleep, and stress. Learn more at www.go.omadahealth. com/omadaforcigna
Cigna Healthy Babies
Get prenatal to post-delivery support with the Cigna Healthy Babies program. Maternity specialists are available by phone 24/7 to help with everything from morning sickness to maternity benefits. Call the number on the back of your Cigna ID card to speak with a specialist, or download the Cigna Healthy Pregnancy app
Wellbeing Solution
This solution, offered in partnership with Personify, helps you reach your health goals in a variety of ways. Access the platform through www.mycigna.com to set up your profile, complete your health assessment, view customized resources, track healthy habits, complete online coaching modules, sync-up wearable fitness devices, and more.
Cigna Pathwell Bone and Joint
This program helps assess bone and joint pain and manage it with nonsurgical options or surgery. It combines designated providers, clinical expertise, coordinated support, and intuitive digital tools to provide the right care for you at no additional cost. Visit www.mycigna.com or call 877-505-5875
IdentityForce
This resource offers identity monitoring, restoration, and response services to help protect you from identity theft. IdentityForce is available at no additional cost as part of your Cigna medical plan for you and any child(ren) living in your home up to age 18. Family coverage for adults in your home is available for purchase. To enroll, visit https://cigna. identityforce.com/starthere or call 833-580-2523
Medical Benefit Extras
HOSPITAL INDEMNITY
Weatherford ISD offers a voluntary benefit designed to help you pay for covered out-of-pocket expenses when you or a member of your family are confined in a hospital. The plan, offered through Aetna, provides:
Benefit payment in addition to the health insurance plan payment
A program that is HSA compatible
First day benefit and a per day benefit up to 180 days of confinement
An additional amount if you are in ICU
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 United States and Canada.
cost for air ambulance
is $40,000 and can go as high as $70,000. Following your medical crisis, MASA MTS will negotiate with the carrier that provided transportation.
Dental Benefits
Because dental care is an important part of your overall health care, being protected by Dental insurance and using it wisely are essential safeguards for you and your family. The Voluntary Dental plan offered to you by Weatherford ISD, through Cigna, encourages preventive care and helps pay the cost of covered services.
How the Dental Plan Options Work
The Cigna Dental PPO plan gives you the freedom to go to any dentist you choose. You are responsible for meeting a plan-year deductible (except for preventive services), then the plan pays a percentage of covered costs. There are advantages to using an in-network dentist because they have agreed to accept Cigna’s contracted allowance for charge levels. Out-of-network dentists may require you to pay the full cost of any differences between their charges and Cigna’s allowances.
Refer to the Cigna Patient Charge schedule for details.
Vision Benefits
The 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 conditions 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.
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) coverage 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 INSURANCE
Basic Life and AD&D insurance are provided by Weatherford ISD at no cost to you through The Hartford. You are automatically covered at $10,000.
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 anytime. If you name more than one beneficiary, you must identify the share for each.
VOLUNTARY LIFE INSURANCE
You may purchase additional Life insurance through The Hartford for you and your eligible dependents. If you decline Voluntary Life 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 insurance for yourself in order to elect coverage for your spouse or children. Benefits will reduce to 50% at age 70. If you leave Weatherford ISD, you may be able to take the insurance with you.
Voluntary Life Insurance
Increments of $10,000, up to the lesser of five times your annual salary, or $500,000
Guaranteed Issue1: $250,000 under age 65, $30,000 age 65, or older
Spouse
Unmarried, Dependent
Child(ren)
Increments of $5,000, up to $250,000, not to exceed 100% of employee coverage
Guaranteed Issue1: $50,000
Age 14 days to six months: $500
Age six months to age 26: $10,000
1Guaranteed Issues amounts are for new hires only
If you elect the minimum of $10,000 as the employee, you can increase your face amount up to four increments at each OE without answering medical questions.
Calculate Your Cost
Take the amount of coverage you want to purchase, divide by $1,000, and then multiply by the rate in the table below.
Example:
$50,000 ÷ $1,000 = $50 × $0.190 =
Life and AD&D Insurance
PERMANENT LIFE INSURANCE
Permanent Life insurance is available to eligible employees and is provided through Texas Life Insurance Company. This Permanent Life insurance is yours to keep, even when you change jobs or retire, as long as you continue to pay the premium.
You can purchase coverage for yourself, your spouse, children, and grandchildren.
Plan features include:
High Death Benefit – This benefit gives your loved ones peace of mind knowing there will be significant Life insurance in force should you die prematurely.
Long Term Guarantees – This policy has a guaranteed death benefit to age 121, and a level premium that guarantees coverage for a significant period of time (after the guaranteed period, premiums may go down, stay the same, or go up).
Refund of Premium – Should Texas Life Insurance Company ever have an increase in existing premiums causing you to surrender the policy, they will offer a refund of 10 years premium (certain conditions apply).
Optional Accelerated Death Benefit Rider – If you are unable to perform any two of the six activities of daily living or suffer from a severe cognitive impairment for a period of 90 days, you will have the option to receive 92% of the death benefit, minus a $150 administrative fee. This valuable living benefit gives you peace of mind knowing that should you need it, you can take the large majority of your death benefit while still alive (certain conditions apply). This rider is available for an additional 10% of the base policy premium.
Chronic Illness Rider – This optional rider provides a living benefit if, for at least 90 days, you are unable to perform two of the six activities of daily living or experience severe cognitive impairment. Designed to help offset unexpected care expenses related to a qualifying chronic illness, this benefit is available at an additional cost and is not long-term care insurance.
Note: Chronic Illness Rider is available to only the employee for policies effective beginning September 1, 2026.
1Age to which coverage is guaranteed at table premium.
PureLife is Permanent Life insurance to attained age 121 that can never be canceled as long as you pay the necessary premiums. After the guaranteed period, the premiums can be lower, the same, or higher than the table premium.
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 Cost
Using the table in the next column, choose a benefit amount to receive each
and select a
For new enrollees, there is a pre-existing condition limited benefit of four (4) weeks.
Additional Benefits
CANCER INSURANCE
Treatment for cancer is expensive and can last a long time. Although your health insurance pays the medical expense of cancer treatment, the cost of non-medical expenses — such as loss of income and out-oftown treatments — can be significant. In addition to these non-medical expenses, most health plans have deductibles and other cost-sharing arrangements. Coverage is offered through American Public Life. You can take this policy with you when you leave or retire from Weatherford ISD as long as you have been covered on the plan for at least 12 months.
Waiting Period
The plan contains a 30-day waiting period during which no benefits will be paid. If any internal cancer is diagnosed before the end of the waiting period immediately following the covered person’s effective date of this rider, coverage will apply only to loss incurred after one year from the covered person’s effective date of this rider.
1Total Premium includes the Plan selected and any applicable premium. Premiums are subject to increase with notice. The premium and amount of benefits vary dependent upon the Plan selected at time of
Additional Benefits
ACCIDENT INSURANCE
Accident insurance through Aetna pays a fixed benefit directly to you in the event of an accident, regardless of any other coverage you may have. You may enroll yourself and your eligible family members. Benefits are paid according to a fixed schedule that includes benefits for hospitalization, fractures, dislocations, emergency room visits, major diagnostic exams, physical therapy, and more. Coverage is portable, which means you can take it with you if your employment status changes.
CRITICAL ILLNESS INSURANCE
Critical Illness insurance through Aetna pays a lumpsum payment directly to you upon diagnosis of a covered critical illness such as cancer, stroke, end-stage renal failure, Alzheimer’s disease, heart attack, coronary artery bypass surgery, major organ failure, and other conditions. Choose from an initial benefit upon diagnosis of $5,000, $10,000, $20,000, or $30,000. 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.
Critical Illness Insurance
Cancer (invasive), stroke, endstage renal failure, Alzheimer’s disease, heart attack, coronary artery bypass surgery, major organ failure, loss of sight/hearing
Parkinson’s, lupus, multiple sclerosis, muscular dystrophy, cancer in situ (non-invasive)
Skin cancer $1,000
Subsequent Benefit
100% of elected benefit amount payable if there is a recurrent benefit of the same critical illness or a diagnosis of a different critical illness after 180 days
Health Screening Benefit 2 $100
1Spouse/Child(ren) – 50% of employee coverage
2One benefit per plan year
Additional Benefits
Additional Benefits
LEGAL SERVICES
If you need guidance or assistance with legal consultation, document preparation, or small claims court, contact LegalShield. LegalShield provides coverage for the following areas of law and more:
Family
Adoption
Guardianship
Auto
Driver’s license restoration
Name change
Prenuptial agreements
Moving traffic violations/traffic tickets
Financial
Bankruptcy
Contracts and financial disputes
Estate Planning
Living wills/wills
Power of Attorney
Home
Contractor disputes
Landlord/tenant issues
IRS audit protection
Rental agreements
ID Theft Protection
Millions of people become victims of identity theft each year. IDShield can monitor your Personally Identifiable Information (PII) and send identity and credit threat alerts if suspicious activity is found. IDShield also provides complete restoration of your identity.
IDShield services include:
Full-service restoration
Auto monitoring
Credit monitoring
Monitoring identity threat alerts
Dark web
SSN
Driver’s license
Passport number
Bank account numbers
Probate
Living trusts/trusts
Small claims assistance Real estate contracts/ financial disputes
General
Telephone advice
Document review
Mobile app
Usernames
Public records monitoring
Emergency assistance
Credit freeze
High-risk application monitoring
Child monitoring
Medical data reports
Live member support
IDShield: Protect What Matters app
Additional Benefits
EMPLOYEE ASSISTANCE PROGRAM
ComPsych GuidanceResources, the Employee Assistance Program (EAP) offered through The Hartford, 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. Receive unlimited counseling by phone and up to three face-to-face visits per year per issue. GuidanceResources 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
Retirement Plans
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. Weatherford 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. To access, visit https://tcgservices.com/ employers/403b/ or call TCG at 800-943-9179
457(B) PLAN
A 457(b) is a retirement savings plan overseen by a committee of professional investment advisors. It gives you the flexibility to design your own investment strategy with a choice of investment options. Automatic payroll deductions are available and enrollment is simple and easy. For more information, visit https://tcgservices.com/ employers/457b/ or call TCG at 800-943-9179
RETIREMENT PLAN COMPARISON
Below are features of the plans to help you select which option works best for you.
Glossary of Terms
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 have met 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 – Weatherford ISD contributes $300 per month toward medical insurance for all employees who work 20 or more hours per week and contribute to TRS.
EXPLANATION OF BENEFITS – 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, and what portion is your liability, in addition to 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). We offer three types of FSAs: Health Care FSA, Limited Health Care FSA, and Dependent Care FSA.
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 out-of-network doctor, services will not be provided at a discounted rate.
OUT-OF-POCKET MAXIMUM – Also known as an outof-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 Reasonable & Customary (R&C), 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: Generic, Preferred Brand Name, or Non-Preferred Brand Name.
Generic Drugs – Drugs approved by the U.S. Food and Drug Administration (FDA) to be chemically identical to corresponding Preferred or Non-Preferred versions. The color or flavor of a generic medicine may be different, but the active ingredient is the same. Generic drugs are usually the most cost-effective version of any medication.
Preferred Brand Name Drugs – Brand name drugs on your provider’s list of approved drugs. You can check online with your provider to see this list.
Non-Preferred Brand Name Drugs – Brand name drugs not on your provider’s list of approved drugs. These drugs are typically newer and have higher copayments.
Over-the-Counter (OTC) Medications – Medications typically made available without a prescription.
REASONABLE AND CUSTOMARY ALLOWANCE (R&C) – 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.
Women’s Health and Cancer Rights Act of 1998
In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.
As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:
All stages of reconstruction of the breast on which the mastectomy was performed;
Surgery and reconstruction of the other breast to produce a symmetrical appearance; and
Prostheses and treatment of physical complications of the mastectomy, including lymphedema.
Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.
Special Enrollment Rights
This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.
Loss of Other Coverage or Becoming Eligible for Medicaid or
a state Children’s
Health Insurance Program
(CHIP)
If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).
If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.
Marriage, Birth or Adoption
If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.
For More Information or Assistance
To request special enrollment or obtain more information, contact:
Weatherford ISD
Human Resources
1100 Longhorn Drive Weatherford, TX 76086
817-598-2800
Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Weatherford ISD and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice.
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
2. Weatherford ISD has determined that the prescription drug coverage offered by the Weatherford ISD medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage. The HSA plan is considered Creditable Coverage.
Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods.
You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty).
You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting Weatherford ISD at the phone number or address listed at the end of this section.
If you choose to enroll in a Medicare prescription drug plan and cancel your current Weatherford ISD prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.
If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.
For more information about this notice or your current prescription drug coverage: Contact the Human Resources Department at 817-598-2800.
NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.
For more information about your options under Medicare prescription drug coverage:
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:
Visit www.medicare.gov
Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.
Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800772-1213. TTY users should call 800-325-0778
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty).
This notice describes how medical information about you may be used and disclosed and how you can access this information. Please review it carefully.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. This information known as protected health information (PHI), includes virtually all individually identifiable health information held by a health plan – whether received in writing, in an electronic medium or as oral communication. This notice describes the privacy practices of the Employee Benefits Plan (referred to in this notice as the Plan), sponsored by Weatherford ISD , hereinafter referred to as the plan sponsor.
The Plan is required by law to maintain the privacy of your health information and to provide you with this notice of the Plan’s legal duties and privacy practices with respect to your health information. It is important to note that these rules apply to the Plan, not the plan sponsor as an employer.
You have the right to inspect and copy protected health information which is maintained by and for the Plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask the Human Resources Department to amend the information. For a full copy of the Notice of Privacy Practices describing how protected health information about you may be used and disclosed and how you can get access to the information, contact the Human Resources Department.
Complaints: If you believe your privacy rights have been violated, you may complain to the Plan and to the Secretary of Health and Human Services. You will not be retaliated against for filing a complaint. To file a complaint, please contact the Privacy Officer.
Weatherford ISD
Human Resources
1100 Longhorn Drive
Weatherford, TX 76086
817-598-2800
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare. gov
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employersponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity,
and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol. gov or call 1-866-444-EBSA (3272).
If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of January 31, 2026. Contact your State for more information on eligibility.
To see if any other States have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, you can contact either:
U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov
1-877-267-2323, Menu Option 4, Ext. 61565
Continuation of Coverage Rights Under COBRA
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Weatherford ISD group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Weatherford ISD plan after you have left employment with the company. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium. Plan Contact Information
Weatherford ISD Human Resources 1100 Longhorn Drive
Weatherford, TX 76086 817-598-2800
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-ofnetwork provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Outof-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. You are protected from balance billing for:
Emergency services – If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s innetwork cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other services at these in-network facilities, outof-network providers cannot balance bill you, unless you give written consent and give up your protections. You are never required to give up your protections from balance billing. You also are not required to get care outof-network. You can choose a provider or facility in your plan’s network.
When balance billing is not allowed, you also have the following protections:
You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay outof-network providers and facilities directly.
Your health plan generally must:
Cover emergency services without requiring you to get approval for services in advance (prior authorization).
Cover emergency services by out-of-network providers.
Base what you owe the provider or facility (costsharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/ nosurprises for more information about your rights under federal law.
New Health Insurance Marketplace Coverage Options and Your Health Coverage
PART A: General Information
Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace.
What is the Health Insurance Marketplace?
The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options in your geographic area.
Can I Save Money on my Health Insurance Premiums in the Marketplace?
You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings on your premium that you’re eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.
Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?
Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.1, 2
Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employmentbased coverage. Also, this employer contribution -as
well as your employee contribution to employmentbased coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.
When Can I Enroll in Health Insurance Coverage through the Marketplace?
You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15.
Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.
There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage.
Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit www.HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325
What about Alternatives to Marketplace Health Insurance Coverage?
If you or your family are eligible for coverage in an employment-based health plan (such as an employer sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan. Confirm the deadline with your employer or your employment-based health plan.
Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www.healthcare.gov/ medicaid-chip/getting-medicaid-chip/ for more details.
How Can I Get More Information?
For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact Human Resources.
The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare. gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.
PART B: Information About Health Coverage Offered by Your Employer
This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.
3. Employer Name: Weatherford Independent School District
5. Employer Address: 1100 Longhorn Dr.
7. City: Weatherford
4. Employer Identification Number (EIN): 75-6002726
6. Employer Phone Number: 817-598-2800, ext. 3017
8. State: TX 9. ZIP Code: 76086
10. Who can we contact at this job?: Brittney Cearley
11. Phone Number (if different from above):
12. E-Mail Address: bcearley@weatherfordisd.com
As your employer, we offer a health plan to all eligible employees (see the Eligibility section of this guide). This coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages.
1 Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.
2 An employer-sponsored or other employment-based health plan meets the “minimum value standard” if the plan’s share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services.
This brochure highlights the main features of the Weatherford ISD 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. Weatherford ISD reserves the right to change or discontinue its benefit plans anytime.
