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EMPLOYEE BENEFITS GUIDE for a healthy you

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Welcome We are pleased to offer a full benefits program to you and your eligible dependents. Read this guide to know what benefits are available.

Availability of Medical Plan Benefits Information Coverage details for each medical plan offered are available in a Summary of Benefits and Coverage (also referred to as an SBC), which can be viewed at http://www.mybenefitshub.com/alamoheightsisd.

Contents

Your Benefits Are in Effect September 1, 2026 through August 31, 2027

FLIP TO … HOW TO ENROLL

Important Contacts............................... .3

Dental Coverage...................................17

Eligibility.................................................. .4

Vision Coverage....................................18

How to Enroll...........................................5

Life and AD&D Insurance....................19

Enrollment Frequently Asked Questions................................................ .6

Educator Disability Insurance......... .20

Medical.................................................... .7 Urgent Care.............................................9 Prescription Drug Discounts..............10 Health Care Options.............................11 Health Savings Account......................12 Flexible Spending Accounts..............13 HSA and FSA Comparison.................15 Qualified HSA and FSA Expenses...16

Hospital Indemnity Insurance.......... .21 Cancer Insurance............................... .22 Critical Illness Insurance....................24 Accident Insurance............................ .26 Telehealth............................................ .28 Emergency Medical Transport....... .29 Employee Assistance Program...... .30 Glossary of Terms............................... .31

5 ENROLLMENT FAQ

6 MEDICAL COVERAGE

Important Legal Notices................... .35

2 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Contacts Benefits Assistance

Dental Coverage DHMO

Critical Illness Insurance

Higginbotham Public Sector 833-505-3782 www.mybenefitshub.com/ alamoheightsisd

Humana Group #6668322 800-233-4013 www.humana.com

Medical Coverage

Vision Coverage

Chubb Policy Number #100000043 Claims Assistance: 888-499-0425 www.chubb.com; educatorclaims@ chubb.com

Imagine360 800-827-7223 www.imagine360.com

Superior Vision Group #334550 800-507-3800 www.superiorvision.com

Accident Insurance

Life and AD&D

Telehealth

The Hartford 888-563-1124 www.thehartford.com

Recuro Health 855-673-2876 www.recurohealth.com

Educator Disability

Emergency Medical Transport

The Hartford Group #874729 800-523-2233 www.thehartford.com

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

Hospital Indemnity Insurance

Employee Assistance Program

The Hartford Group #VHI-874729 866-547-4205 www.thehartford.com

AllOne Health 866-327-2400 allonehealth.com/deeroaks

Pharmacy Coverage Imagine360 imagine360.vbagateway.com

Urgent Care Next Level Urgent Care 832-957-6200 navigator@nextlevelurgentcare.com

Prescription Savings Clever RX 800-873-1195 https://cleverrx.com

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

Flexible Spending Accounts NBS 855-399-3035 www.nbsbenefits.com

Dental Coverage PPO

The Hartford 866-547-4205 www.thehartford.com

Cancer Chubb Group #100000043 888-499-0425 www.chubb.com; educatorclaims@chubb.com

Cigna Group #338077 800-244-6224 www.cigna.com

3 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Eligibility

OE: Open Enrollment QLE: Qualifying Life Event

Who is Eligible for Benefits NEW HIRE

EMPLOYEE

DEPENDENT(S)

Who is Eligible

• A regular, full-time employee

working an average of 20 hours or more per week

• Your legal spouse • Children under age 26 regardless of student, • Children age 26 or older who are fully

When to Enroll

• By the deadline given by the

• During OE or for a QLE

Benefits Office

dependency, or marital status dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return

When Coverage Starts

• OE: Start of the plan year • QLE: Ask the Benefits Office

• First of the month following date of hire.

When to Enroll

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

When Coverage Starts

• Ask the Benefits Office

MAXIMUM DEPENDENT ELIGIBILITY AGE BY PLAN To Age 26

Medical/Telehealth/Dental/Vision/Voluntary Life and AD&D/ Individual Life/Accident/Critical Illness/Hospital Indemnity/ Emergency Medical Transport

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

Marriage

Birth

Divorce

Adoption/placement for adoption

Annulment Death of spouse

Change in benefits eligibility

FMLA, COBRA event, judgment, or decree

Gain or loss of benefits coverage

Becoming eligible for Medicare, Medicaid, or TRICARE

Change in employment status affecting benefits

Receiving a Qualified Medical Child Support Order

Death of child

You have 30 days from the event to notify the Benefits Office and complete your changes. You may need to provide documents to verify the change.

4 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

How to Enroll Benefits Questions? Employee benefits can be complicated. The Higginbotham Public Sector benefits team is available to help you with the following:

• Enrollment • Benefits • Eligibility • Claims and Billing Enrolling in benefits is simple through THEbenefitsHUB.

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

Click Login.

Enter your: » Last name » Date of birth » Social Security number (last four digits only)

Once confirmed, the Additional Security Verification page will list contact options. Select either the Text, Email, Call, or Ask Admin option to receive a code for completing final verification.

Enter the code, and click Verify to begin your enrollment.

Review your personal information and verify covered dependents. Contact your employer with any discrepancies.

After dependent information is confirmed, you may select the benefits shown. To make your selections, click the dropdown list next to the plan name. Once the desired coverage amount is selected, your contribution amount will be displayed. Click Save & Continue. Repeat for each benefit. You may be asked to provide evidence of insurability for certain benefits.

Call or text 833-505-3782 Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. You can also email alamoheightsisd@hps.higginbotham.net. Bilingual representatives are available.

If enrolling in life insurance coverage, you must identify your beneficiary(ies). » Select your beneficiary designation. » Click Sign & Continue. » Review and confirm your information. » Click Finished.

SCAN THE QR CODE TO ENROLL

SECTION 125 CAFETERIA PLAN GUIDELINES A cafeteria plan enables you to save money by using pretax dollars to pay for eligible group insurance premiums sponsored and offered by your employer. Enrollment is automatic unless you decline this benefit. Elections made during annual enrollment become effective on the plan effective date and will remain in effect during the entire plan year. Changes in benefit elections can occur only if you experience a QLE. You must present proof of the QLE to your Benefits Office within 30 days of the event. Meeting with the Benefits Office to complete and sign the necessary paperwork is also required to make benefit election changes effective. Changes must be consistent with the QLE.

5 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Enrollment Frequently Asked Questions What if I miss the enrollment deadline?

How can I find in-network providers?

Contact your Benefits Office for guidance if you miss a benefits enrollment deadline. Under normal circumstances, you may only enroll for or make changes to coverage during Open Enrollment, if you have a Qualifying Life Event, or if you are a new hire.

Go to www.mybenefitshub.com/alamoheightsisd and click on the Provider Search link, where you will see all available plan provider searches.

When will I get my ID cards? If the medical carrier provides ID cards and there is a plan change, new cards usually arrive within four weeks of your effective date. If there are no plan changes, a new card may not be issued.

Is there an age limit for dependents to be covered under my benefits? Yes. See the Eligibility page for details.

You may not need or receive an ID card for dental and vision plans. Simply share the carrier name and phone number with your health care provider to have benefits verified.

Where can I find benefits summaries and forms? To access medical plan Summary of Benefits and Coverage (SBC) documents, plan documents for other coverages, and forms, go to the Benefit Information section at www.mybenefitshub.com/alamoheightsisd. Click on each benefit (e.g., medical, vision, etc.) for details.

Benefits Questions? Call the Higginbotham Public Sector benefits team at 833-505-3782.

Important Limitations and Exclusions Information The following limitations and exclusions may apply when obtaining coverage as a married couple or for your dependents.

Can I cover family members (a spouse and/or dependent) as dependents on my benefits if I and my spouse work for the same employer? Some benefits may not allow for this type of coverage if you both work for the same employer. Review the benefit plan documents, contact Higginbotham Public Sector, or contact the carrier for eligibility details.

Are there FSA and HSA limitations for married couples? Yes, generally. Married couples may not enroll in both a Health Care Flexible Spending Account (FSA) and a Health Savings Account (HSA) at the same time. If your spouse is covered under a Health Care FSA that reimburses for qualified health care expenses, then you and your spouse are not HSA-eligible – even if you do not use your spouse’s Health Care FSA to reimburse your expenses. However, there are some exceptions to the general limitation for other types of FSAs (e.g., Limited Purpose Health Care FSA; Dependent Care FSA). Contact the FSA and/or HSA administrator before you enroll, or consult your tax advisor for further guidance. Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in FSAs and an HSA as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Higginbotham Public Sector, LLC from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of your enrollment in spouse and/or dependent coverage, including enrollment in FSAs and an HSA.

6 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

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

Find an In-Network Provider Visit www.imagine360.com/ providersearch.

STANDARD TIER

• All other providers & facilities. More flexibility, but costs

Call 800-827-7223.

stay at current (higher) levels. Use this tier if your doctor isn’t Incentive Tier, a specialist/service isn’t available in it, or you need care outside San Antonio.

INCENTIVE TIER

Important: A physician and the facility where they perform a service may not always be in the same tier — verify both before scheduling nonemergency care.

• Imagine Health providers & facilities. Employees get the greatest savings here — lower deductibles, lower coinsurance, lower copays.

What You Save With Standard vs. Incentive Tier Providers OAPIN Base Copay (Standard Tier→Incentive Tier)

OAP Copay Buy-Up (Standard Tier→Incentive Tier)

High-Deductible Plan (Standard Tier→Incentive Tier)

Individual deductible

$4,500 → $2,500

$3,500 → $2,500

$5,500 → $4,0001

Family deductible

$9,000 → $5,000

$11,250 → $5,000

$11,000 → $8,0001

30% → 20%

20% → 10%

0% after deductible

Individual OOP max

$9,200 → $8,000

$8,150 → $6,000

same as deductible1

Family OOP max

$18,400 → $16,000

$16,300 → $12,000

same as deductible1

Primary care visit

$45 → $25

0% after deductible

Specialist visit

$70 → $50

0% after deductible

Therapy office visit

$70 → $50

0% after deductible

Urgent care

$75 → $50

0% after deductible

20% after deductible

10% after deductible

0% after deductible

Emergency Room

$500 + coinsurance of 20%

$500 + coinsurance of 10%

0% after deductible

Labs & X-rays/Complex Images (includes Quest)

30% → 20% after deductible

20% → 10% after deductible

0% after deductible

Plan Feature

Coinsurance

Emergency Ambulance

Employee Monthly Premium (includes $615 employer contribution) Employee Only

$59.00

$102.00

$0.00

Employee and Spouse

$800.00

$1,006.00

$776.00

Employee and Children

$375.00

$552.00

$352.00

Employee and Family

$1,050.00

$1,433.00

$1,010.00

High-Deductible Plan: deductible and out-of-pocket max are combined into one figure. Preventive care is covered at 100% in both tiers, on every plan.

How Can I Get My ID Card?

• Visit www.imagine360.com. • Call 800-827-7223.

7 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Medical Finding a Provider

We understand the importance of your medications in staying as healthy as possible and want to make it easy for you to get the most value from your pharmacy benefits and the lowest price for your prescriptions. We’re here for you!

BEFORE YOUR PLAN STARTS

• Search www.imagine360.com/providersearch • Enter your plan's access code to get started: RJENV • View network tier, compare providers, see quality

Visit https://imagine360.vbagateway.com and click on Manage my Prescriptions to access Imagine360Rx* for selfservice and digital tools.

rankings

A few simple steps will help you make the most of your pharmacy benefits.

• Call Member Experience 30 days before your plan starts ( just have your group number ready): V100054

1. Choose a network pharmacy to get the lowest price on prescriptions, with no need to submit a paper claim.

AFTER YOUR PLAN STARTS

• Full access to the Imagine360 online benefits portal • Find and compare providers, get cost estimates • Contact Imagine360 directly for personalized support —

2. Check your formulary to see if a genericor another drug is available that costs less. 3. Use generics when possible. In most instances, a generic will be the lowest cost to you.

finding care and booking appointments

4. Use the price tool to compare costs for your medications at different pharmacies.

Built-in price protection applies no matter which tier you use: claims are reviewed for billing errors and overcharges, so you only pay what's fair and reasonable. Provider status can change — confirm a doctor or facility's tier before you receive care.

5. Review your pharmacy plan to better understand prior authorization, step therapy, quantity limits, and other programs that may be in place to help you get the right medication at the best possible price. 6. Choose a 90-day prescription for medications you take on an ongoing basis. Check your plan to find a designated pharmacy that can fill a 90-day prescription. In some cases, this may be a home delivery pharmacy. *Imagine360Rx is an integrated pharmacy solution powered by a licensed Pharmacy Benefits Manager partner.

Watch and learn more!

8 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Urgent Care Primary Care Services

If you enroll in one of the district’s medical plans, you will receive a membership to Next Level Urgent Care (NLUC) at not cost to you. You may elect to cover family members for $30 per month, even if they are not covered on your medical

• Annual physicals and wellness exams • Preventive screenings and vaccinations • Diabetes and hypertension management • Depression and anxiety support • Blood draws and specialist referrals • Weight management and GLP-1 programs

There are no copays, deductibles, or additional fees for covered NLUC services.

What Is Covered • Primary and urgent care (details below) • 24/7 telemedicine visits • Care navigation and wellness coaching • Labs, vaccines, and DME

Urgent Care Services • Respiratory infections and flu symptoms • Urinary tract infections and rashes • Sprains, strains, and minor injuries • X-rays, splints, and stitches • Ear infections, headaches, and back pain • IV fluids and dehydration treatment

Hours and Locations Next Level Urgent Care offers in-person and virtual care with locations throughout Houston, Dallas, Austin, and San Antonio. Care is available seven days a week from 9:00 a.m. to 9:00 p.m. CT.

Your Annual Checkup 1. Complete a virtual visit with an NLUC provider. 2. Schedule your in-person exam and labs. 3. Review results and create a wellness plan.

How to Get Started • Call 832-957-6200. • Email navigator@nextlevelurgentcare.com. • Download the Next Level Urgent Care app.

For most everyday health care needs, start with NLUC.

9 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Prescription Drug Discounts Standalone prescription drug discount programs (which are not insurance) may help to lower your prescription costs. Such discount programs are available to anyone who is interested in saving money on their prescriptions.

Getting started is easy.

Lower Your Prescription Costs With Clever RX

• Group ID – 1085 • Member ID – 1898

Step 1 Download the free Clever RX app and enter these numbers.

Don’t overpay for your prescriptions. Clever RX gives you access to discounts on thousands of medications, and it is accepted at most pharmacies nationwide. Best of all – you can get up to 80% off prescription drugs!

Step 2 Enter your ZIP code to find local pharmacies with the best prices.

Step 3 Click the voucher with the lowest price, closest location, and/or at your preferred pharmacy. Then present the voucher to the pharmacist when you pick up your prescription.

Questions? Visit https://partner.cleverrx.com/alamoheightsisd. Call the Clever RX Help Line at 800-873-1195.

10 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

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

SYMPTOMS

AVERAGE WAIT

Non-Emergency Care

Telehealth

Cough/cold/flu

24 hours a day, 7 days a week

Stomachache

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

Doctor’s Office

Office hours vary

Hours vary based on store hours

2-5 minutes

Infections Sore and strep throat Vaccinations

15-20 minutes

Common infections Minor injuries Pregnancy tests

15 minutes

Vaccinations

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

Urgent Care

Rash

Minor injuries/sprains/strains

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

Retail Clinic

Allergies

Access to care via phone, online video, or mobile app whether you are at home, work, or traveling; medications can be prescribed

Generally includes evening, weekend and holiday hours

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

15-30 minutes

Minor burns and infections

Emergency Care Chest pain Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility

Severe bleeding Blurred or sudden loss of vision

24 hours a day, 7 days a week

Hospital ER

4+ hours

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

Freestanding ER

Difficulty breathing

24 hours a day, 7 days a week

Most major injuries except trauma

Minimal

Severe pain

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.

11 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Health Savings Account Offset your HDHP health care costs, reduce your taxes, and get a long-term tax-advantaged savings account. An HSA is like a personal savings account that allows you to pay for current or future health care expenses with pretax dollars or save the funds for retirement. The funds can also be used for your dependents, even if they are not covered by the HDHP. An HSA is always yours to keep, even if you change health plans or jobs.

Watch and learn more!

HSA Eligibility

Two Ways To Use Your HSA

You are eligible to open and contribute to an HSA if you are:

Use it Now

Invest Over Time

• Enrolled in an HSA-eligible HDHP • Not covered by another plan that is not a qualified HDHP

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

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

(e.g., spouse’s health plan)

• Not enrolled in a Health Care Flexible Spending Account • Not eligible to be claimed as a dependent on someone else’s tax return

• Not enrolled in Medicare, Medicaid, or TRICARE • Not receiving Veterans Administration benefits Note: You may have an HSA at the financial institution of your choice, but only accounts opened through EECU are eligible for automatic payroll deductions.

Triple Tax Savings

How to Pay or Get Reimbursed

Tax-free contributions

• Use your HSA debit card to pay for qualified expenses. • Pay out-of-pocket and submit your receipts for

Tax-free growth

reimbursement online or through the app.

Contributions

Tax-free withdrawals

You may contribute up to the IRS annual maximum.

2026 Maximum HSA Contributions EMPLOYEE Individual

$4,400

Family

$8,750

Get More Information or Submit Receipts Visit www.eecu.org.

If you are age 55 or older, you can contribute an extra $1,000.

Call 817-882-0800. Download the EECU Mobile Banking app.

12 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Flexible Spending Accounts Set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses. We offer the following FSAs:

Health Care FSA Important Reminders!

The Health Care FSA covers qualified medical, dental, and vision expenses for you and your eligible dependents. Eligible expenses include:

• Deductibles, copays, and

FSAs are generally considered “use it or lose it” accounts, and unused remaining funds at the end of the plan year may be forfeited. Your employer may offer some flexibility (e.g., more time via a grace period to incur expenses; or a limited amount of funds that can be carried over in to the next plan year). Because options vary by employer, it’s important to review your specific plan details or check with your employer for more information.

contacts

coinsurance

• Hearing aids and

• Prescription drugs • Braces, glasses, and

batteries

If you enrolled in an HDHP and contribute to an HSA, you may not contribute to a Health Care FSA.

Planning the amount of your contributions carefully can help you make the most of your FSA and avoid losing unused funds. You cannot change your contribution election during the plan year unless you experience a Qualifying Life Event. Keep itemized receipts to verify debit card payments.

Get More Information or Submit Receipts Visit www.nbsbenefits.com. Call 855-399-3035. Fax 844-438-1496. Email service@nbsbenefits.com. Download the NBS Benefits Mobile app. Mail: National Benefit Services, LLC P.O. Box 219393 Kansas City, MO 64121-9393

13 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Flexible Spending Accounts Dependent Care FSA The Dependent Care FSA helps pay expenses associated with caring for children under age 13 and elder dependents so you or your spouse can work or attend school full-time.

Dependent Care FSA Guidelines

• To be eligible, you (and your spouse, if married) must be gainfully employed, looking for work, a full-time student, or incapable of self-care.

• You can use funds for daycare or babysitter expenses for your children under age 13, but only for the part of the year when the child is under 13.

• Only day camps – not overnight camps – can be considered for reimbursement.

• You can use funds for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care.

How to Access Funds/Pay or Get Reimbursed

• The dependent care provider cannot be your child

Use your FSA debit card (excludes the Dependent Care FSA). OR Pay out-of-pocket, and submit your receipts for reimbursement.

under age 19 or anyone claimed as a dependent on your income taxes.

• Dependent Care FSA claims may be submitted as incurred and will be paid as funds become available after monthly payroll contributions are deposited.

Annual Maximum FSA Contributions 2026

HEALTH CARE FSA

DEPENDENT CARE FSA

Annual Maximum Contribution

$3,400

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

Carryover

$500

No carryover (Use it or lose it)

No grace period

Grace Period

Visit fsastore.com for an array of FSA-eligible products. Watch and learn more!

14 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

HSA and FSA Comparison Knowing the difference between an HSA and FSAs can help you choose the best option for you and your family. HEALTH SAVINGS ACCOUNT

FLEXIBLE SPENDING ACCOUNT*

• Acts as a personal savings account. • Funds can be used to pay for current or future Description

•

health care expenses with pretax dollars; or funds can be saved for retirement. Funds can also be used for your dependents, even if they are not covered by the HDHP.

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

Contribution Source

Employee (You) and/or your employer

Account Owner

Employee (You)

Employer

Underlying Insurance Requirement

High Deductible Health Plan

None

Maximum Annual Contribution

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

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

• Pay for qualified out-of-pocket medical, dental, and vision expenses. • If used on nonqualified expenses prior to age

Permissible Use of Funds

• •

See details in the Description section above.

65, subject to income tax plus a 20% penalty.

Year-to-year rollover of account balance?

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

2026 Health Care FSA – Allows an extended grace period after the end of the plan year (typically 2½ months) to spend remaining funds. Dependent Care FSA – N/A

Does the account earn interest?

Yes

Portable?

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

* FSAs are generally considered “use it or lose it” accounts, and unused remaining funds at the end of the plan year may be forfeited. Your employer may offer some flexibility (e.g., more time via a grace period to incur expenses; or a limited amount of funds that can be carried over in to the next plan year). Check with your employer for more details.

FLIP TO...

HSA

FSA

15 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Qualified HSA and FSA Expenses

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

Abdominal supports

Dermatologist

Operating room costs

Acupuncture

Diagnostic fees

Ophthalmologist/Optician/Optometrist

Ambulance

Eyeglasses

Orthopedic shoes

Anesthetist

Gynecologist

Orthopedist

Arch supports

Healing services

Osteopath

Artificial limbs

Hearing aids and batteries

Physician

Blood tests

Hospital bills

Postnatal treatments

Braces

Insulin treatment

Prenatal care

Cardiographs

Lab tests

Prescription medicines

Chiropractor

Metabolism tests

Psychiatrist

Crutches

Neurologist

Therapy equipment

Dental treatment

Nursing

Wheelchair

Dentures

Obstetrician

X-rays

*Excludes Dependent Care FSA.

16 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

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

DPPO Plan - CIGNA Two levels of benefits are available with the DPPO plan: in-network and out-ofnetwork. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.

Watch and learn more!

Find an In-Network Provider

DHMO Plan - HUMANA

Visit www.mycigna.com.

If you enroll in the DHMO plan, you and all eligible dependents must select a primary care dentist (PCD) from the DHMO network directory to manage your care. Your initial PCD will be automatically assigned to you based on your ZIP code. You may change your PCD by contacting Humana directly.

Call 800-244-6224.

Dental services are unlimited and have fixed copays. There are no deductibles or claim forms to file. Out-of-network care is not covered.

Visit www.humana.com. Call 800-233-4013.

Dental Benefits Summary DENTAL – CIGNA LOW PPO PLAN1

HIGH PPO PLAN1

No charge

Class 2: Basic Restorative Care

20% after deductible

Class 3: Major Restorative Care

50% after deductible

50%; no deductible

REIMBURSEMENT PERCENTAGES Class 1: Preventive/Diagnostic Care

ORTHODONTIA Class 4: Orthodontia: Children to age 19; Lifetime Benefits Maximum $1,000

PLAN PROVISIONS Number of Dental Cleanings Available per Year Do Waiting Periods Apply for Any Preventive, Basic, Major, or Orthodontia Services?

2 per policy year

Class IV Benefit Waiting Period for 12 months. Applies to New Hires Only

Are Benefits Determined by Policy Year or Calendar Year?

Policy

For teeth missing prior to coverage with Cigna, the amount payable is 50% of the amount otherwise payable until covered for 12 months; thereafter, it is considered a Class III expense.

HUMANA - DHMO PLAN

LOW PPO PLAN

HIGH PPO PLAN

Employee Only

$18.18

$29.56

$41.53

Employee + 1

$36.00

$61.62

$88.10

Employee & Family

$64.02

$94.99

$133.39

Is a Missing Tooth Clause Included in the Policy?

RATES (MONTHLY)

You will be reimbursed up to the Maximum Allowable Charge (MAC) of 80% for services received from an out-of-network dentist. You are responsible for charges in excess of the MAC.

17 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Vision Coverage Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers.

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Vision Benefits Summary VISION - SUPERIOR VISION

Find an In-Network Provider

PROVIDER NETWORK Vision Network Name

Visit www.superiorvision.com.

Superior Select

BENEFIT FREQUENCY (PER PLAN YEAR) Exam

12 months

Frames

12 months

Lenses

12 months

Contact Lenses

12 months

Call 800-507-3800.

IN-NETWORK

OUT-OF-NETWORK

Covered in full

Up to $35 retail

$150 retail allowance

Up to $80 retail

$25 copay

$150 retail allowance

Up to $70 retail

Are Single Vision Lenses Covered in Full?

Yes

Up to $25 retail

Are Bifocal Lenses Covered in Full?

Yes

Up to $40 retail

SERVICES (COPAYS) Exam Contact Lens

MATERIALS (PER PAIR) Materials Frame Allowance

CONTACTS & LASIK Are Contacts in Lieu of Glasses? Conventional Contact Lens Allowance Medically Necessary Contact Lens Allowance LASIK Benefit

Yes $150 retail allowance

Up to $80 retail

Covered in full

Up to $150 retail

$200 allowance

PLAN PROVISIONS Are Benefits Determined by Policy Year, Service Year, or Calendar Year?

Service Year

PLAN PROVISIONS Employee Only

$9.25

Employee + 1 Dependent

$15.75

Employee + Family

$20.10

18 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Life and AD&D Insurance VOLUNTARY VOL LIFE AND ADD&D - THE HARTFORD

Life and Accidental Death and Dismemberment (AD&D) insurance are important to your financial security, especially if others depend on you for support or vice versa.

INITIAL GUARANTEED ISSUE (GI) AMOUNTS

With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Life and AD&D coverage amounts reduce by 65% at age 65 and 50% at age 70.

Employee GI Amount

$200,000

Spouse GI Amount

$30,000

Child(ren) GI Amount

$10,000

OPEN ENROLLMENT Can Coverage Amount Increase to GI Limit at Each Open Enrollment Without EOI?

Yes

LIFE PLAN FEATURES Employee Maximum

Designating a Beneficiary

$500,000

Employee Minimum/Maximum Coverage Amount

$10,000/$500,000

Spouse Minimum/Maximum Coverage Amount

$5,000/$300,000 The lesser of 50% of your supplemental coverage or $300,000

Spouse Coverage

A beneficiary is the person or entity you elect 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 how much each beneficiary will receive (e.g., 50% or 25%).

Child(ren) Minimum/Maximum Coverage Amount

$5,000/$10,000

Child(ren) Maximum Coverage Amount for Children Age 14 Days to Six Months

$10,000

PLAN PROVISIONS Portability

Yes

RATES (MONTHLY)

Voluntary Life and AD&D

EMPLOYEE RATES PER $10,000

If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D coverage for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D coverage when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).

SPOUSE RATES PER $10,000

<25

$2.01

<25

$1.71

25-29

$2.01

25-29

$1.71

30-34

$2.01

30-34

$1.71

35-39

$2.01

35-39

$1.71

40-44

$2.01

40-44

$1.71

45-49

$2.01

45-49

$1.71

50-54

$2.01

50-54

$1.71

55-59

$2.01

55-59

$1.71

60-64

$2.01

60-64

$1.71

65-69

$5.98

65-69

$1.71

70-74

$14.49

70-74

$1.71

75+

$14.49

75+

$1.71

CHILD RATES PER $5,000 Watch and learn more!

Child(ren) AD&D Coverage

$0.60

Child Rate per $10,000

$1.20

19 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Educator Disability Insurance Educator Disability insurance combines features of short-term and longterm disability into one plan. Disability insurance protects part of your income if you are unable to work due to a covered accident, illness, or pregnancy. We offer Educator Disability insurance for you to purchase and allow you to choose the coverage amount and waiting period that best suit your needs.

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EDUCATOR DISABILITY - THE HARTFORD Elimination Period Options*

0/7, 14/14, 30/30, 60/60, 90/90

Monthly Benefit Percentages Amount

66.67%

Minimum Monthly Benefit Amount

$200

Maximum Monthly Benefit Amount

$7,500 Your policy limits the benefits you can receive for a disability caused by a pre-existing condition. In general, if you were diagnosed with, or received care for, a disabling condition within the 3 consecutive months just prior to the effective date of this policy, your benefit payment will be limited, unless: While insured under this policy, you have not received treatment for the disabling condition within the 3 months before your disability begins, or You have been insured under this policy for 12 months before your disability begins.

Pre-existing Condition Benefit

RATES (MONTHLY) PREMIUM Same maximum benefit duration for injury or sickness

SELECT Shorter maximum benefit duration for sickness

Elimination Period – 0/3

$8.98

$8.70

Elimination Period – 14/14

$6.86

$6.60

Elimination Period – 30/30

$6.02

$5.76

Elimination Period – 60/60

$3.28

$2.66

Elimination Period – 90/90

$2.46

$2.02

LINEAR RATES BY % OF SALARY

*If your elimination period is 30 days or less, and you are confined to a hospital for 24 hours or more, the elimination period will be waived, and benefits will be payable from the first day of hospitalization.

What is disability insurance?

Will I get all of my disability benefit?

Disability insurance protects one of your most valuable assets – your paycheck. This insurance replaces part of your income if you are physically unable to work due to sickness or injury for an extended period of time. The Educator Disability plan is unique in that it includes both short- and long-term coverage in one convenient plan.

Your disability benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as:

Are there pre-existing condition limitations? Yes. All plans include pre-existing condition limitations that could impact you if you are a first-time enrollee in your employer’s disability plan (including your initial new hire enrollment). Review the plan documents for full details.

• Social Security Disability Insurance • State teacher retirement disability plans • Workers’ compensation • Other employer-based disability insurance coverage you may have

• Unemployment benefits • Retirement benefits that your employer fully or partially pays for (such as a pension plan)

20 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Hospital Indemnity Insurance The Hospital Indemnity plans help you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay or are admitted to an intensive care unit. You decide how to use the cash, whether it’s to pay for bills, gas, childcare or eldercare, medication, or other. Watch and learn more!

LOW PLAN

MID PLAN

HIGH PLAN

PLAN FEATURES Hospital Admission Benefit Amount

$500

$1,000

$2,000

1 day per year

Daily Hospital Stay Benefit Amount & Maximum Days per Calendar Year

90 days per year; $100

90 days per year; $150

90 days per year; $200

Hospital ICU Admission Benefit Amount

$200

$300

$400

Up to 30 days

$200

Yes

Employee Only

$9.02

$15.99

$27.87

Employee & Spouse

$17.14

$30.32

$52.75

Employee & Child(ren)

$16.97

$29.89

$51.67

Employee & Family

$26.40

$46.52

$80.50

Hospital Admission Benefit

Hospital ICU Admission Benefit Newborn Care Admission

PLAN PROVISIONS HSA Compatible

RATES BY TIER

21 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

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

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Cancer Insurance Benefits Summary CANCER - CHUBB PLAN 1

PLAN 2

First Cancer Benefit

$100 paid upon receipt of first covered claim for Cancer; only one payment per certificate

Diagnosis of Cancer

$5,000 employee or spouse $7,500 child(ren) Waiting period: 0 days Benefit reduction: none

$10,000 employee or spouse $15,000 child(ren) Waiting period: 0 days Benefit reduction: none

Hospital Confinement

$100 per day – days 1 through 30 Additional days: $200 Maximum days per confinement: 31

$200 per day – days 1 through 30 Additional days: $400 Maximum days per confinement: 31

Hospital ICU Confinement

$600 per day – days 1 through 30 Additional days: $600 Maximum days per confinement: 31

Radiation and Chemotherapy

Maximum per covered person per 12-month period: $10,000

Maximum per covered person per 12-month period: $20,000

Medical Imaging

$500 per imaging study Maximum studies per calendar year: 2

Blood and Plasma

$300 per transfusion Maximum transfusions per calendar year: 2

Home Health Care

$100 per day not to exceed the number of days confined Maximum days per calendar year: 30

Hospice

$100 per day

Hair Prosthesis

$150 per hair piece Lifetime maximum: 1

Medical Equipment

$150 per piece of equipment Maximum pieces per calendar year: 2

Reconstructive Surgery

$150 per day not to exceed the number of days confined Maximum days per calendar year: 15

PLAN FEATURES CORE BENEFITS

ADDITIONAL BENEFITS

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Cancer Insurance CANCER - CHUBB PLAN 1

PLAN 2

$5,000 employee or spouse $7,500 child(ren) Recurrence benefit: $2,500 employee or spouse $3,750 child(ren) Waiting period: 0 days Benefit reduction: none

$10,000 employee or spouse $15,000 child(ren) Recurrence benefit: $5,000 employee or spouse $7,500 child(ren) Waiting period: 0 days Benefit reduction: none

$50 Maximum days of service, per covered person per calendar year: 1 day(s) Follow-up test benefit amount: $100 Waiting period: 0 days

PLAN FEATURES CORE BENEFITS RIDERS

Heart Attack & Stroke

WELLNESS BENEFIT Cancer Wellness Benefit Amount

MONTHLY RATES Employee Only

$17.46

$22.90

Employee & Spouse

$35.70

$46.88

Employee & Child(ren)

$23.20

$30.00

Employee & Family

$41.48

$53.98

23 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Critical Illness Insurance Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs.

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Critical Illness Insurance Benefits Summary CRITICAL ILLNESS - CHUBB COVERAGE AMOUNTS Employee Benefit Amount(s)

$10,000; $20,000; or $30,000 face amounts

Spouse Benefit Amount Maximum

$10,000; $20,000; or $30,000 face amounts

Child(ren) Benefit Amount Maximum

Included in the employee rate

COVERED CONDITIONS VASCULAR Coronary Artery Disease Coronary Artery Bypass Graft Stent

• •

100%

Heart Attack

100%

Stroke

100%

Sudden Cardiac Arrest

100%

CANCER Benign Tumor

100%

Carcinoma in Situ

25%

Skin Cancer

Payable once per insured per year; $500

NEUROLOGICAL Advanced Stage Alzheimer's Disease

100%

Amyotrophic Lateral Sclerosis (ALS)

100%

Parkinson's Disease

100%

Huntington's Disease

25%

Blindness

100%

Loss of Hearing or Speech

100%

24 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Critical Illness Insurance CRITICAL ILLNESS - CHUBB COVERAGE AMOUNTS CHILD SPECIFIED Cerebral Palsy

Included

Cleft Lip, Cleft Palate

Included

Cystic Fibrosis

Included

Type 1 Diabetes

Included

Down Syndrome

Included

RECURRENCE AND SEPARATION PERIOD (CI & CANCER) Covered individuals must be treatment-free from cancer for the 12 months prior to the diagnosis date and must be in complete remission.

Recurrence Period (Same Condition)

WELLNESS BENEFIT Health Screening/Wellness Benefit

Payable once per insured per year; $50

PLAN PROVISIONS No benefit will be paid for a date of diagnosis that occurs prior to the coverage effective date. Covered individuals must be treatment-free from cancer for the 12 months prior to the diagnosis date and must be in complete remission. There is no pre-existing condition limitation. All amounts are Guaranteed Issue – no medical questions are required for coverage to be issued.

Pre-existing Condition Limitations

Critical Illness Insurance Rates Visit www.mybenefitshub.com/alamoheightsisd for rates.

25 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Accident Insurance Accident insurance provides affordable protection against a sudden, unforeseen accident. These plans help offset the direct and indirect expenses such as copayments, deductibles, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. Do you have kids playing sports? Are you a weekend warrior? Are you accident prone? With an accident plan, you will be paid a specific sum of money directly based on the care and services provided for your covered accident. Use the money any way you see fit.

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Accident Insurance Benefits Summary ACCIDENT - THE HARTFORD Plan 1

Plan 2

Plan 3

On- and off-the-job (24hour)

Emergency Room

$150

$200

$250

Urgent Care

$150

$200

$250

X-ray

$100

$150

$200

COVERAGE Off-the-job Coverage

EMERGENCY TREATMENT BENEFITS

Major Diagnostic Exam

$300

$400

$500

Ground/Air Ambulance

$750/$1,500

$1,000/$2,000

$1,250/$2,500

HOSPITAL/FACILITY BENEFITS Daily Hospital Confinement

$250

$500

$750

Hospital ICU Admission

$3,000

$4,000

$5,000

Daily ICU Confinement

$500

$750

$1,000

Initial Physician Visit Benefit

$150

$200

$250

Up to $75

Up to $100

Up to $125

Chiropractic Care

FRACTURES AND DISLOCATIONS (NONSURGICAL/SURGICAL) Fractures Amount Up to:

Up to $8,000

Up to $10,000

Up to $12,000

Dislocations Amount Up to:

Up to $8,000

Up to $10,000

Up to $12,000

26 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Accident Insurance ACCIDENT - THE HARTFORD Plan 1

Plan 2

Plan 3

COMMON FRACTURES (NONSURGICAL AMOUNT) Ankle

Up to $8,000

Up to $10,000

Up to $12,000

Forearm (Elbow to Wrist)

Up to $8,000

Up to $10,000

Up to $12,000

Per Finger or Toe

Up to $8,000

Up to $10,000

Up to $12,000

Foot

Up to $8,000

Up to $10,000

Up to $12,000

Leg (Knee to Ankle)

Up to $8,000

Up to $10,000

Up to $12,000

COMMON DISLOCATIONS (NONSURGICAL AMOUNT) Elbow

Up to $8,000

Up to $10,000

Up to $12,000

Per Finger or Toe

Up to $8,000

Up to $10,000

Up to $12,000

Shoulder

Up to $8,000

Up to $10,000

Up to $12,000

Ligaments, Tendons, Rotator Cuff

Up to $2,000

Up to $3,000

Up to $4,000

Torn Knee Cartilage

Up to $1,000

Up to $2,000

Up to $3,000

Concussion

$200

$300

$400

Lacerations

Up to $500

Up to $1,000

Up to $1,500

$150

$300

$450

Employee Only

$18.26

$13.55

$8.85

Employee & Spouse

$28.84

$21.40

$13.96

Employee & Child(ren)

$30.95

$22.94

$14.94

Employee & Family

$48.53

$35.99

$23.46

COMMON SURGICAL REPAIR BENEFITS

SPECIFIC INJURIES

ADDITIONAL BENEFITS Medical Equipment

MONTHLY RATES

27 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Telehealth This voluntary telehealth program gives you 24/7 access to board-certified doctors via your mobile device or computer – from home, the office, or on the go. It is a standalone program that is NOT tied to your medical plan coverage. YOUR TELEHEALTH COPAY IS $0! While telehealth does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:

• Have a non-emergency issue and are considering an after-hours health care clinic, urgent care clinic, or emergency room for treatment

• Are on a business trip, vacation, or away from home • Are unable to see your primary care physician

When to Use Telehealth For minor conditions such as: » Sore throat » Headache » Stomachache » Cold/flu » Allergies » Fever » Urinary tract infections

Get More Information and Register Skip the trip to your doctor! Set up your account so you can get on-demand medical care.

TELEHEALTH MONTHLY RATE Employee & Family

Visit www.recurohealth.com.

$9.00

Call 855-673-2876. Download the Recuro Care app.

Do not use telehealth for serious or life-threatening emergencies.

Watch and learn more!

28 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Emergency Medical Transport A MASA MTS Membership provides the ultimate peace of mind at an affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group health care benefits network. After the group health plan pays its portion, MASA MTS works with providers to deliver our members $0 out-of-pocket costs for emergency transport.

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Emergent Air Transportation – In the event of a serious medical emergency, members have access to emergency air transportation into a medical facility or between medical facilities. Emergent Ground Transportation – In the event of a serious medical emergency, members have access to emergency ground transportation into a medical facility or between medical facilities.

For More Information EMERGENCY MEDICAL TRANSPORT RATES Visit www.masamts.com.

MONTHLY RATE Employee & Family

Call 800-423-3226. Download the MASA Global app.

29 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

$14

Employee Assistance Program The Employee Assistance Program (EAP) helps you and family members cope with a variety of personal and work-related issues. This plan is provided to all employees and their dependents at no cost. This program provides confidential counseling and support services at little or no cost to you to help with:

• Relationships • Work-life balance • Stress and anxiety • Will preparation and estate resolution • Grief and loss • Childcare and eldercare issues • Substance abuse • Financial and legal matters • And more For 24/7 Support and More Information Visit www.allonehealth.com/deeroaks. Call 888-993-7650. Download the AllOne Health app.

Support at Any Hour of the Day or Night!

The EAP also offers up to six face-to-face counseling sessions per person, per issue, per calendar year.

30 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Glossary of Terms COBRA – COBRA allows participants who lose their health benefits the right to continue group health benefits for limited periods of time under certain circumstances including voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals will have to pay the full premium (including any employer contribution applied when employed) up to 102% of the cost to the plan. Coverage is typically available for 18 months but can be extended in certain situations.

ACA (Affordable Care Act) – The ACA is comprehensive health care reform law enacted in March 2010. References to ACA at HPS typically involve reporting requirements, specifically, that obligate employers to report medical coverage for employees and to provide documents for employee tax preparation. HPS partners with ACA service providers to assist clients in meeting these requirements. Actively-at-work – This term refers to being at work as opposed to being on vacation, leave, or away from work for any other reason. Companywide or position-wide reporting dates (like summer breaks or winter breaks for teachers) do not apply here.

Copay – Also known as a copayment, this is the fixed amount you pay for health care services received at the time of service. A copay typically goes toward your deductible.

ADL (Activities of Daily Living) – This is a concept related to eligibility for Long Term Care (LTC) benefits. There are six ADLs: bathing, dressing, toileting, transferring, eating, and continence. Most LTC plans require that the covered individual be unable to perform a certain number of these tasks to be eligible for benefits.

Coinsurance – After you have met your deductible, this is your share of the cost of a covered health care service, which is calculated as a percent of the allowed amount for the service. For example, your coinsurance is 20% (while the insurer pays the remaining 80%).

Beneficiary – This is who will receive a benefit in the event of the insured’s death. A policy may have more than one beneficiary.

Contingent Beneficiary – This is who will receive a benefit in the event of the beneficiary’s (aka the primary beneficiary) death. A policy may have more than one contingent beneficiary.

Benefit Duration – This is the maximum period of time in which a claimant can receive benefits.

Contingent Plans – Contingent plans make benefits available to participants only when another specific benefit has been elected. Examples of contingent plans include voluntary life for dependents (contingent on the election of employee voluntary life) and a Health Saving Account (contingent on the election of a High Deductible Health Plan).

Benefit Reduction – Some plans may include percentage reductions in benefit amounts when participants reach a certain age. Cafeteria/Section 125 Plan – This plan provides participants an opportunity to pay for qualified benefits on a pretax basis. Premiums for most medical, dental, vision, FSA, HSA, accident, and cancer plans are deducted on a pretax basis, which reduces participants’ taxable income.

Continuation of Coverage – Many plans offered by HPS clients are continuable under COBRA or portability or conversion options. Standalone clients and cooperatives will have “continuation of coverage” documents that detail plan continuation availability.

Certificate of Benefits (Certificate of Coverage) – The certificate serves as the primary official plan document for participants of group benefits, as they are not enrolled in an individual policy.

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Glossary of Terms Conversion – Conversion is a benefit continuation option that transforms group coverage into individual coverage, separate from the group policy. This typically comes with much higher premiums.

EOB (Explanation of Benefits) – This statement from your insurance carrier explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, and what portion of the claim is your responsibility. It also includes information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review.

Covered Expenses – These are health care expenses covered under your health plan. Deductible – This is the amount a participant must cover for health care services before the insurer will share costs and provide coinsurance.

EOI (Evidence of Insurability)/Statement of Health (SOH) – Some plans require an application or a “proof of good health” type of statement to obtain coverage. This is commonly referred to as EOI (Evidence of Insurability). Such applications or statements must be submitted electronically or by mail to the carrier for approval.

Dental Reimbursement Types – Various types of dental plans (except DHMO plans) will pay out-of-network benefits differently.

• MAC/MRC/NAP (Maximum Allowable Charge/

Evergreen Clause – This clause, written into a client’s Cafeteria/Section 125 Plan, allows a client to roll over Flexible Spending Account elections into the new plan year.

Maximum Reimbursable Charge/Network Access Plan): Participants will receive the same payouts (contracted fees) for services whether they go in or out of network; and they may be balance billed when going out of network.

FMLA (Family and Medical Leave Act) – This act ensures employees have job-protected and unpaid leave for qualified medical and family reasons.

• UCR/R&C(Usual, Customary, and Reasonable/

FSA (Flexible Spending Account) – An option that allows participants to set aside pretax dollars to pay for qualified expenses (i.e., certain medical care or dependent care expenses) during a specific period (usually a 12-month period). Participants determine how much to contribute to their FSA at the beginning of the plan year. Most funds must be used by the end of the year, depending upon the type of FSA, as there is a limited carryover amount.

Reasonable & Customary): When going out of network, the plan will pay an amount determined by the usual cost charged for the service by dentists in a certain geographical area. Eligibility Waiting Period – This period is the amount of time new hires must wait before they are eligible for benefits. Most HPS clients will allow for new hires to be eligible the first of the month following (or coincident with) their date of hire.

Grace Period – As it pertains to FSAs, this is the period immediately following the end of the plan year during which participants can incur new claims to use their remaining FSA funds.

Elimination Period – Also known as a waiting period, this is the number of calendar days that participants in a Disability plan must be disabled before they are eligible to receive benefits.

Guaranteed Issue – Some plans may include Guaranteed Issue coverage to new enrollees without EOI.

Employer Contribution – The amount of premium or financial contribution an employer provides to participants for insurance, spending accounts, or retirement.

HDHP (High Deductible Health Plan) – A qualified health plan that combines lower monthly premiums in exchange for higher deductibles and out-of-pocket limits. These plans are often coupled with an HSA.

32 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Glossary of Terms HMO/DHMO (Health Maintenance Organization/ Dental Health Maintenance Organization) – Medical plans labeled as HMO plans have a specified network of providers, and benefits are generally not available outside of that network except in an emergency. DHMO plans follow this same model for dental coverage.

Medicare – An insurance program administered by the federal government to provide health coverage to individuals age 65 or older, or who have certain disabilities or illnesses. Member – You and those covered become members when you enroll in a health plan. This includes eligible employees, their dependents, COBRA beneficiaries, and surviving spouses.

HPS (Higginbotham Public Sector) – HPS is the insurance broker that represents your account. HRA (Health Reimbursement Arrangement) – This is an employer-owned savings account to which the company deposits pretax dollars for each of its covered employees. Employees can then use the funds in their HRA to reimburse themselves for incurred qualified health care expenses.

Open Enrollment – Open Enrollment refers to the annual period during which employees may enroll in available benefits or make coverage changes without a Qualifying Life Event. Out-of-network – Doctors, hospitals, and other providers that are not contracted with your insurance company. If you choose an out-of-network provider, you may be responsible for costs over the amount allowed by your insurance carrier.

HSA (Health Savings Account) – This is an employee owned savings account used to pay for eligible health care expenses with pretax dollars. Funds in the account do not have to be used within a specified time period. An HSA must be coupled with qualified HDHP.

Out-of-pocket Expense – Amount that you must pay toward the cost of health care services. This includes deductibles, copayments, and coinsurance.

In-network – Doctors (e.g., a primary care physician or specialist), hospitals, and other providers that contract with your insurance company provide health care services at discounted rates. These providers are on an outlined list of health care practitioners.

Out-of-pocket Maximum – Also known as an out-ofpocket limit, this is the most you pay during a policy or benefit period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount for covered services.

Inpatient – A person who is treated as a registered patient in a hospital or other health care facility.

PCP (Primary Care Physician) – A doctor who is selected to coordinate treatment under your health plan. This generally includes family practice physicians, general practitioners, internists, and pediatricians.

Medically Necessary – Services or supplies provided by a hospital, health care facility, or physician that meet the following criteria: (1) are appropriate for the symptoms and diagnosis and/or treatment of the condition, illness, disease, or injury; (2) serve to provide diagnosis or direct care and/ or treatment of the condition, illness, disease, or injury; (3) are in accordance with standards of good medical practice; (4) are not primarily serving as convenience; and (5) are considered the most appropriate care available.

Plan Year – A 12-month period of benefits coverage under a group health plan, which may or may not coincide with a calendar year. Plan Year Maximum – The maximum amount of benefit available to a participant for each plan year.

33 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Glossary of Terms Rollover – As it pertains to a Health Care FSA or Limited Purpose Health Care FSA, a client can establish a limit of $680 (for 2026) of unused funds that can be rolled over to the next plan year, provided the participant re-enrolls in the FSA plan.

Portability – Portability is a continuation option available that allows participants to continue group coverage beyond their employment. Premiums typically remain in line with active participants, but coverage depends on the continuation of the group policy. If the group policy terminates, portability will no longer be available.

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

PPO (Preferred Provider Organization) – Health plans labeled as PPO refer to the network structure and plan availability. In-network PPO plan providers have agreed to offer services at a contracted rate, which means members generally pay less and get the highest level of benefits. Out-of-network services and providers are also available, but you may pay more for care and generally receive fewer benefits.

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

Preventive Care – The care you receive to help prevent illness or disease. It also includes counseling to prevent health problems.

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

Pre-existing Condition – A pre-existing condition is a medical event, treatment, or diagnosis that occurs prior to the effective date of insurance coverage. Pre-existing Condition Limitation – Some plans may limit benefits due to pre-existing conditions for a set period of time.

THEbenefitsHUB – This is the benefits enrollment system used by HPS. Underwriting – This is the process of evaluating the risks of insuring an individual or group and establishing premium rates and coverage for the individual or group. Clients are subject to underwriting during RFPs and renewals, and their employees are subject to underwriting when submitting EOI statements for coverage.

Premium – A reference to the cost (usually monthly) of insurance/benefits paid by the employer or employee. QLE (Qualifying Life Event) – These are events that allow changes to pretax benefits outside of Open Enrollment. Changes must typically be made within 30 or 31 days of the event. Examples of QLEs include marriage, birth, divorce, gain or loss of benefits coverage, and change in employment status affecting benefits.

Usual, Customary and Reasonable (UCR) Allowance – This is the fee paid for covered services that is: (1) a similar amount to the fee charged by a health care provider to the majority of patients for the same procedure; (2) the customary fee paid to providers with similar training and expertise in a similar geographic area: and (3) reasonable in light of any unusual clinical circumstances.

Rate Guarantee – Plan pricing can be under a rate guarantee for a certain amount of time, typically two to four years. The premium rates cannot be changed during this time. Renewal – When a plan’s rate guarantee expires, a rate renewal will be received from the carrier’s underwriter. This establishes new rates beyond the expiration of the rate guarantee. Clients can either accept the new rates, attempt to negotiate the renewal (usually assisted by HPS), or publish an RFP (Request for Proposal) to shop for a new carrier.

Waiver of Premium (WOP) – This is a feature in some insurance plans that allows premiums to be suspended for a participant for a period of disability.

34 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Legal Notices Women’s Health and Cancer Rights Act of 1998

Alamo Heights ISD Melissa Nichols 7101 Broadway San Antonio, TX 78209 210-822-3374

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:

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 Alamo Heights 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.

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.

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.

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.

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.

Alamo Heights ISD has determined that the prescription drug coverage offered by the Alamo Heights 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 not considered Creditable Coverage.

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.

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).

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.

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 Alamo Heights ISD at the phone number or address listed at the end of this section.

For More Information or Assistance To request special enrollment or obtain more information, contact:

35 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Legal Notices August 1, 2026 Alamo Heights ISD Melissa Nichols 7101 Broadway San Antonio, TX 78209 210-822-3374

If you choose to enroll in a Medicare prescription drug plan and cancel your current Alamo Heights 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.

Notice of HIPAA Privacy Practices

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.

THIS NOTICE OF PRIVACY PRACTICES DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. This Notice of Privacy Practices (the “Notice”) describes the legal obligations of Alamo Heights ISD’s Group Health Plan (the “Plan”) and your legal rights regarding your protected health information held by the Plan under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the Health Information Technology for Economic and Clinical Health Act (HITECH Act). Among other things, this Notice describes how your protected health information may be used or disclosed to carry out treatment, payment, or health care operations, or for any other purposes that are permitted or required by law.

For more information about this notice or your current prescription drug coverage: Contact the Human Resources Department at 210-822-3374. 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.

We are required to provide this Notice of Privacy Practices to you pursuant to HIPAA.

For more information about your options under Medicare prescription drug coverage:

The HIPAA Privacy Rule protects only certain medical information known as “protected health information.” Generally, protected health information (PHI) is health information, including demographic information, collected from you or created or received by a health care provider, a health care clearinghouse, a health plan, or your employer on behalf of a group health plan, from which it is possible to individually identify you and that relates to:

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.

Your past, present, or future physical or mental health or condition;

The provision of health care to you; or

Call 1-800-MEDICARE (1-800-633-4227). TTY users should

The past, present, or future payment for the provision of health care to you.

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 800-772-1213. TTY users should call 800-3250778.

I. Contact Information If you have any questions about this Notice or about our privacy practices, and for any correspondence or requests related to the contents of this Notice, please contact: Alamo Heights ISD Melissa Nichols 7101 Broadway San Antonio, TX 78209 210-822-3374

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).

II. Effective Date This Notice is effective February 15, 2026.

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Important Legal Notices III. Our Responsibilities

and fraud and abuse detection programs; business planning and development such as cost management; and business management and general Plan administrative activities. However, we will not use your genetic information for underwriting purposes.

We are required by law to: 1.

maintain the privacy of your PHI;

provide you with certain rights with respect to your PHI;

provide you with a copy of this Notice of our legal duties and privacy practices with respect to your PHI; and

follow the terms of the Notice that is currently in effect.

Substance Use Disorder (SUD) Treatment Information. Some of your health information may be part of a SUD patient record and subject to additional protections under federal law (42 CFR Part 2) governing confidentiality of SUD patient records.

We reserve the right to change the terms of this Notice and to make new provisions regarding your PHI that we maintain, as allowed or required by law. If we make any material change to this Notice, we will provide you with a copy of our revised Notice of Privacy Practices. IV. How We May Use and Disclose Your PHI Under the law, we may use or disclose your PHI under certain circumstances without your permission. The following categories describe the different ways that we may use and disclose your PHI. For each category of uses or disclosures we will explain what we mean and present some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories. Note that we will use and disclose PHI as described below unless otherwise prohibited or restricted by applicable state or other law, and that information can lose its protected status as PHI once re-disclosed by a recipient. For Treatment. When and as appropriate, we may use or disclose medical information about you to facilitate medical treatment or services by health care providers. We may disclose medical information about you to providers, including doctors, nurses, technicians, medical students, or other hospital personnel who are involved in taking care of you. For example, we might disclose information about you with physicians who are treating you. For Payment. We may use or disclose your protected health information to determine your eligibility for Plan benefits, to facilitate payment for the treatment and services you receive from health care providers, to determine benefit responsibility under the Plan, or to coordinate Plan coverage. For example, we may tell your health care provider about your medical history to determine whether a particular treatment is experimental, investigational, or medically necessary, or to determine whether the Plan will cover the treatment. We may also share your protected health information with a utilization review or pre-certification service provider. Likewise, we may share your protected health information with another entity to assist with the adjudication or subrogation of health claims or to another health plan to coordinate benefit payments. For Health Care Operations. We may use and disclose your protected health information for other Plan operations. These uses and disclosures are necessary to run the Plan. For example, we may use medical information in connection with conducting quality assessment and improvement activities; underwriting, premium rating, and other activities relating to Plan coverage; submitting claims for stop-loss (or excess-loss) coverage; conducting or arranging for medical review, legal services, audit services,

If we receive or maintain any information about you from a SUD treatment program that is covered by 42 CFR Part 2 (a “Part 2 Program”) through a general consent you provide to the Part 2 Program to use and disclose the SUD patient record for purposes of treatment, payment or health care operations, we may use and disclose your SUD patient record for treatment, payment and health care operations purposes as described in this Notice. If we receive or maintain your SUD patient record through specific consent you provide to us or another third party, we will use and disclose your SUD patient record only as expressly permitted by you in your consent as provided to us. In no event will we use or disclose your SUD patient record, or testimony that describes the information contained in your SUD patient record, in any civil, criminal, administrative, or legislative proceedings by any Federal, State, or local authority, against you, unless authorized by your consent or the order of a court after it provides you notice of the court order. To Business Associates. We may contract with individuals or entities known as Business Associates to perform various functions on our behalf or to provide certain types of services. In order to perform these functions or to provide these services, Business Associates will receive, create, maintain, transmit, use, and/or disclose your PHI, but only after they agree in writing with us to implement appropriate safeguards regarding your PHI. For example, we may disclose your PHI to a Business Associate to process your claims for Plan benefits or to provide support services, such as utilization management, pharmacy benefit management, or subrogation, but only after the Business Associate enters into a Business Associate contract with us. Treatment Alternatives or Health-Related Benefits and Services. We may use and disclose your protected health information to send you information about treatment alternatives or other health-related benefits and services that might be of interest to you. As Required by Law. We will disclose your PHI when required to do so by federal, state, or local law. For example, we may disclose your PHI when required by national security laws or public health disclosure laws. To Avert a Serious Threat to Health or Safety. We may use and disclose your PHI when necessary to prevent a serious threat to your health and safety, or the health and safety of the public or another person. Any disclosure, however, would only be to someone able to help prevent the threat. For example, we may disclose your PHI in a proceeding regarding the licensure of a physician.

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Important Legal Notices To Plan Sponsors. For the purpose of administering the plan, we may disclose PHI to certain employees of the Employer. However, those employees will only use or disclose that information as necessary to perform plan administration functions or as otherwise required by HIPAA, unless you have authorized further disclosures. Your PHI cannot be used for employment purposes without your specific authorization.

to a subpoena, discovery request, or other lawful process by someone involved in a legal dispute, but only if efforts have been made to tell you about the request or to obtain a court or administrative order protecting the information requested. Law Enforcement. We may disclose your PHI if asked to do so by a law-enforcement official.

V. Special Situations In addition to the above, the following categories describe other possible ways that we may use and disclose your PHI without your specific authorization. For each category of uses or disclosures, we will explain what we mean and present some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories. Organ and Tissue Donation. If you are an organ donor, we may release your PHI after your death to organizations that handle organ procurement or organ, eye, or tissue transplantation or to an organ donation bank, as necessary to facilitate organ or tissue donation and transplantation.

in response to a court order, subpoena, warrant, summons, or similar process;

to identify or locate a suspect, fugitive, material witness, or missing person;

about the victim of a crime if, under certain limited circumstances, we are unable to obtain the victim’s agreement;

about a death that we believe may be the result of criminal conduct; and

about criminal conduct.

Coroners, Medical Examiners, and Funeral Directors. We may release PHI to a coroner or medical examiner. This may be necessary, for example, to identify a deceased person or determine the cause of death. We may also release medical information about patients to funeral directors, as necessary to carry out their duties.

Military. If you are a member of the armed forces, we may release your PHI as required by military command authorities. We may also release PHI about foreign military personnel to the appropriate foreign military authority.

National Security and Intelligence Activities. We may release your PHI to authorized federal officials for intelligence, counterintelligence, and other national security activities authorized by law.

Workers’ Compensation. We may release your PHI for workers’ compensation or similar programs, but only as authorized by, and to the extent necessary to comply with, laws relating to workers’ compensation and similar programs that provide benefits for work-related injuries or illness.

Inmates. If you are an inmate of a correctional institution or are in the custody of a law-enforcement official, we may disclose your PHI to the correctional institution or law-enforcement official if necessary (1) for the institution to provide you with health care; (2) to protect your health and safety or the health and safety of others; or (3) for the safety and security of the correctional institution.

Public Health Risks. We may disclose your PHI for public health activities. These activities generally include the following: 1.

to prevent or control disease, injury, or disability;

to report births and deaths;

to report child abuse or neglect;

Research. We may disclose your PHI to researchers when:

to report reactions to medications or problems with products;

The individual identifiers have been removed; or

to notify people of recalls of products they may be using;

to notify a person who may have been exposed to a disease or may be at risk for contracting or spreading a disease or condition;

When an institutional review board or privacy board has reviewed the research proposal and established protocols to ensure the privacy of the requested information and approves the research.

to notify the appropriate government authority if we believe that a patient has been the victim of abuse, neglect, or domestic violence. We will only make this disclosure if you agree, or when required or authorized by law.

VI. Required Disclosures The following is a description of disclosures of your PHI we are required to make. Government Audits. We are required to disclose your PHI to the Secretary of the United States Department of Health and Human Services when the Secretary is investigating or determining our compliance with the HIPAA privacy rule.

Health Oversight Activities. We may disclose your PHI to a health oversight agency for activities authorized by law. These oversight activities include, for example, audits, investigations, inspections, and licensure. These activities are necessary for the government to monitor the health care system, government programs, and compliance with civil rights laws. Lawsuits and Disputes. If you are involved in a lawsuit or a dispute, we may disclose your PHI in response to a court or administrative order. We may also disclose your PHI in response

38 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Legal Notices Disclosures to You. When you request, we are required to disclose to you the portion of your PHI that contains medical records, billing records, and any other records used to make decisions regarding your health care benefits. We are also required, when requested, to provide you with an accounting of most disclosures of your PHI if the disclosure was for reasons other than for payment, treatment, or health care operations, and if the PHI was not disclosed pursuant to your individual authorization.

a copy in the electronic form and format you request, if the information can be readily produced in that form and format; if the information cannot be readily produced in that form and format, we will work with you to come to an agreement on form and format. If we cannot agree on an electronic form and format, we will provide you with a paper copy. To inspect and copy your PHI, you must submit your request in writing. If you request a copy of the information, we may charge a reasonable fee for the costs of copying, mailing, or other supplies associated with your request.

VII. Other Disclosures Personal Representatives. We will disclose your PHI to individuals authorized by you, or to an individual designated as your personal representative, attorney-in-fact, etc., so long as you provide us with a written notice/authorization and any supporting documents (i.e., power of attorney). Note: Under the HIPAA privacy rule, we do not have to disclose information to a personal representative if we have a reasonable belief that: 1.

You have been, or may be, subject to domestic violence, abuse, or neglect by such person; or

Treating such person as your personal representative could endanger you; and

In the exercise of professional judgment, it is not in your best interest to treat the person as your personal representative.

We may deny your request to inspect and copy in certain very limited circumstances. If you are denied access to your medical information, you may request that the denial be reviewed by submitting a written request. Right to Amend. If you feel that the PHI we have about you is incorrect or incomplete, you may ask us to amend the information. You have the right to request an amendment for as long as the information is kept by or for the Plan. To request an amendment, your request must be made in writing. In addition, you must provide a reason that supports your request. We may deny your request for an amendment if it is not in writing or does not include a reason to support the request. In addition, we may deny your request if you ask us to amend information that:

Spouses and Other Family Members. With only limited exceptions, we will send all mail to the employee. This includes mail relating to the employee’s spouse and other family members who are covered under the Plan and includes mail with information on the use of Plan benefits by the employee’s spouse and other family members and information on the denial of any Plan benefits to the employee’s spouse and other family members. If a person covered under the Plan has requested Restrictions or Confidential Communications (see below under “Your Rights”), and if we have agreed to the request, we will send mail as provided by the request for Restrictions or Confidential Communications.

is not part of the medical information kept by or for the Plan;

was not created by us, unless the person or entity that created the information is no longer available to make the amendment;

is not part of the information that you would be permitted to inspect and copy; or

is already accurate and complete.

Authorizations. Other uses or disclosures of your PHI not described above will only be made with your written authorization. For example, in general and subject to specific conditions, we will not use or disclose your psychiatric notes; we will not use or disclose your PHI for marketing; and we will not sell your PHI, unless you give us a written authorization. You may revoke written authorizations at any time, so long as the revocation is in writing. Once we receive your written revocation, it will only be effective for future uses and disclosures. It will not be effective for any information that may have been used or disclosed in reliance upon the written authorization and prior to receiving your written revocation.

Right to an Accounting of Disclosures. You have the right to request an “accounting” of certain disclosures of your PHI. The accounting will not include (1) disclosures for purposes of treatment, payment, or health care operations; (2) disclosures made to you; (3) disclosures made pursuant to your authorization; (4) disclosures made to friends or family in your presence or because of an emergency; (5) disclosures for national security purposes; and (6) disclosures incidental to otherwise permissible disclosures.

If we deny your request, you have the right to file a statement of disagreement with us and any future disclosures of the disputed information will include your statement.

To request this list or accounting of disclosures, you must submit your request in writing. Your request must state the time period you want the accounting to cover, which may not be longer than six years before the date of the request. Your request should indicate in what form you want the list (for example, paper or electronic). The first list you request within a 12-month period will be provided free of charge. For additional lists, we may charge you for the costs of providing the list. We will notify you of the cost involved and you may choose to withdraw or modify your request at that time before any costs are incurred.

VIII. Your Rights You have the following rights with respect to your PHI: Right to Inspect and Copy. You have the right to inspect and copy certain PHI that may be used to make decisions about your Plan benefits. If the information you request is maintained electronically, and you request an electronic copy, we will provide

39 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Legal Notices Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

Right to Request Restrictions. You have the right to request a restriction or limitation on your PHI that we use or disclose for treatment, payment, or health care operations. You also have the right to request a limit on your PHI that we disclose to someone who is involved in your care or the payment for your care, such as a family member or friend. For example, you could ask that we not use or disclose information about a surgery that you had. Except as provided in the next paragraph, we are not required to agree to your request. However, if we do agree to the request, we will honor the restriction until you revoke it or we notify you. We will comply with any restriction request if (1) except as otherwise required by law, the disclosure is to a health plan for purposes of carrying out payment or health care operations (and is not for purposes of carrying out treatment); and (2) the PHI pertains solely to a health care item or service for which the health care provider involved has been paid in full by you or another person. To request restrictions, you must make your request in writing. In your request, you must tell us (1) what information you want to limit; (2) whether you want to limit our use, disclosure, or both; and (3) to whom you want the limits to apply-for example, disclosures to your spouse. Right to Request Confidential Communications. You have the right to request that we communicate with you about medical matters in a certain way or at a certain location. For example, you can ask that we only contact you at work or by mail. To request confidential communications, you must make your request in writing. We will not ask you the reason for your request. Your request must specify how or where you wish to be contacted. We will accommodate all reasonable requests. Right to Be Notified of a Breach. You have the right to be notified in the event that we (or a Business Associate) discover a breach of unsecured PHI. Right to a Paper Copy of This Notice. You have the right to a paper copy of this notice. You may ask us to give you a copy of this notice at any time. Even if you have agreed to receive this notice electronically, you are still entitled to a paper copy of this notice. IX. Complaints If you believe that your privacy rights have been violated, you may file a complaint with the Plan or with the Office for Civil Rights of the United States Department of Health and Human Services. To file a complaint with the Plan, contact the person listed in the Contact Information section of this Notice. All complaints must be submitted in writing. You will not be penalized, or in any other way retaliated against, for filing a complaint with the Office for Civil Rights or with us.

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 1-877-KIDS 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 1-866444-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. Colorado – Health First Colorado (Colorado’s Medicaid Program) and Child Health Plan Plus (CHP+) Health First Colorado website: https://www.healthfirstcolorado. com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: https://hcpf.colorado.gov/child-health-plan-plus CHP+ Customer Service: 1-800-359-1991/State Relay 711 Health Insurance Buy-In Program (HIBI): https://www.mycohibi. com/ HIBI Customer Service: 1-855-692-6442 Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347 or 401-462-0311 (Direct RIte Share Line) Texas – Medicaid Website: https://www.hhs.texas.gov/services/financial/healthinsurance-premium-payment-hipp-program Phone: 1-800-440-0493

40 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Legal Notices 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-ofnetwork provider.

To see if any other States have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, can contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272) 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

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 in-network 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.

Continuation of Coverage Rights Under COBRA Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Alamo Heights ISD group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Alamo Heights 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.

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.

Plan Contact Information Alamo Heights ISD Melissa Nichols 7101 Broadway San Antonio, TX 78209 210-822-3374

If you get other services at these in-network facilities, out-ofnetwork 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 out-of-network. You can choose a provider or facility in your plan’s network.

Your Rights and Protections Against Surprise Medical Bills

When balance billing is not allowed, you also have the following protections:

You are only responsible for paying your share of the cost (like

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.

What is “balance billing” (sometimes called “surprise billing”)?

Your health plan generally must:

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. Out-of-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.

•

Cover emergency services without requiring you to get approval for services in advance (prior authorization).

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Cover emergency services by out-of-network providers.

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Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.

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Count any amount you pay for emergency services or outof-network services toward your deductible and out-ofpocket 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.

“Surprise billing” is an unexpected balance bill. This can happen

41 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Legal Notices New Health Insurance Marketplace Coverage Options and Your Health Coverage

employer contribution -as well as your employee contribution to employment-based 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.

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?

When Can I Enroll in Health Insurance Coverage through the 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.

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.

Can I Save Money on my Health Insurance Premiums in the Marketplace?

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.

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?

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.

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

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 1-800-3182596. TTY users can call 1-855-889-4325.

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 employment-based coverage. Also, this

42 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

Important Legal Notices What about Alternatives to Marketplace Health Insurance Coverage?

PART B: Information About Health Coverage Offered by Your Employer

If you or your family are eligible for coverage in an employmentbased 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, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employmentbased health plan.

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.

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-medicaidchip/ for more details.

3. Employer Name: Alamo Heights ISD

4. Employer Identification Number (EIN): 74-6002029

5. Employer Address: 7101 Broadway

6. Employer Phone Number: 210-822-3374

7. City: San Antonio

8. State: TX

9. ZIP Code: 78209

10. Who can we contact at this job?: Melissa Nichols 11. Phone Number (if different from above): N/A

12. E-Mail Address: mnichols@ahisd.net

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.

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.

Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.

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. 2

43 Visit www.mybenefitshub.com/alamoheightsisd for full plan details.

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