Issuu

2026-27 EMPLOYEE BENEFITS

Working Towards Wellness

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

What’s Inside

Welcome

Important Contacts

Eligibility

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

How to Enroll

Enrollment Frequently Asked Questions

Medical Coverage

Pharmacy

12 Preventive Care 13 Health Reimbursement Arrangement 14 Health Care Options 15 Advanced Lab Tests and Health Screenings

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 www.mybenefitshub.com/deerparkisd.

17 Emergency Medical Transport 19 Telehealth with Behavioral Health 20 Hospital Cash Insurance 21 Health Savings Account 22 Dental Coverage

Your Benefits Are In Effect

24 Vision Coverage

September 1, 2026 through

26 Educator Disability Insurance

August 31, 2027

28 Life and AD&D Insurance 29 Life Insurance 30 AD&D Insurance 31 Permanent Life Insurance 32 Cancer Insurance

Flip to …

34 Critical Illness Insurance 36 Accident Insurance 38 Identity Theft Protection

How to Enroll

Enrollment FAQ

Medical Coverage

39 Flexible Spending Accounts 41 HSA and FSA Comparison 42 Qualified HSA and FSA Expenses 43 Employee Assistance Program 44 Financial Planning 46 Glossary of Terms 50 Important Legal Notices

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

Important Contacts HPS Benefits Call Center Higginbotham Public Sector 833-756-5469 www.mybenefitshub.com/ deerparkisd deerparkisd@hps.higginbotham.net

Benefits Office Deer Park ISD 832-668-7026 benefits@dpisd.org

Medical TRS ActiveCare 866-355-5999 www.bcbstx.com/trsactivecare

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

Emergency Medical Transport MASA MTS 800-643-9023 or 800-423-3226 www.masamts.com

Life and AD&D Lincoln Financial 800-423-2765 www.lfg.com

Permanent Life 5Star 866-863-9753 www.5starlifeinsurance.com

Hospital Cash

Health Savings Account Gulf Coast Educators Federal Credit Union 281-487-9333 www.gcefcu.org

Health Reimbursement Arrangement National Benefit Services 855-399-3035 https://mynbsbenefits.com

Lincoln Financial 800-423-2765 www.lfg.com

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

Identity Theft Protection

Flexible Spending Account(s) National Benefit Services 855-399-3035 https://mynbsbenefits.com

Vision EyeMed 866-939-3633 www.eyemed.com

Employee Assistance Program

Educator Disability Standard Insurance Company 800-368-2859 https://www.standard.com/ individuals-families/workplacebenefits/disability

Lincoln Financial 800-423-2765 www.lfg.com

Chubb 888-499-0425 www.chubb.com

Experian 855-797-0052 www.experian.com

Dental

Critical Illness

Accident

Curalink 888-881-5462 www.supportlinc.com Group code: dpisd

Financial Planning National Benefit Services 800-274-0503, ext. 5 https://www.nbsbenefits.com 403bsupport@nbsbenefits.com

Cancer Chubb 888-499-0425 www.chubb.com

Chubb 888-499-0425 www.chubb.com

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

Eligibility

OE: Open Enrollment QLE: Qualifying Life Event

Who is Eligible for Benefits Status

New Hire

Employee

Dependent(s)

Who is Eligible

• 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, dependency, or marital status • Children age 26 or older who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return

When to Enroll

• By the deadline given by the Benefits Office

• During OE or for a QLE

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

When Coverage Starts

• First of the month following date of hire

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

• Ask the Benefits Office

Maximum Dependent Eligibility Age by Plan

To Age 26

Medical, Emergency Medical Transport, Telehealth, Hospital Cash, Health Savings Account, Health Reimbursement Arrangement, Dental, Vision, Educator Disability, Basic Life and AD&D, Voluntary Life, Voluntary AD&D, Permanent Life, Cancer, Critical Illness, Accident, Identity Theft Protection, Flexible Spending Accounts, Employee Assistance Program

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

Marriage

Birth

Divorce

Adoption/placement for adoption

Annulment Death of spouse

Change in benefits eligibility Death of child

FMLA, COBRA event, judgment, or decree

Gain or loss of benefits coverage

Becoming eligible for Medicare, Medicaid, or TRICARE

Change in employment status affecting benefits

Receiving a Qualified Medical Child Support Order

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.

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

How to Enroll Log into ClassLink and access the Benefits Hub.

Benefits Questions?

STEP 1: OPEN THE DISTRICT WEBSITE 1.

Navigate to your district’s official webpage.

2. Locate and select the ClassLink option.

STEP 2: ENTER YOUR LOGIN CREDENTIALS Username: Your email username (the part before “@” in your email address). Password: The same password you use to log into your email.

STEP 3: COMPLETE TWO-STEP AUTHENTICATION After entering your credentials, you will be prompted to verify your identity using Two-Step Authentication. Follow the on-screen instructions to complete verification.

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

Call or text 833-756-5469 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 deerparkisd@hps.higginbotham.net. Bilingual representatives are available.

STEP 4: ACCESS THE BENEFITS HUB 1.

Once logged into ClassLink, locate the Benefits Hub icon.

2. Click on the icon to open the enrollment site.

YOU’RE READY! You are now successfully logged in and can access the Benefits Hub to complete your benefits enrollment.

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.

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

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

Where can I find benefits summaries and forms?

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.

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/deerparkisd. Click on each benefit (e.g., medical, vision, etc.) for details.

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

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

BENEFITS QUESTIONS? Call the Higginbotham Public Sector benefits team at 833-756-5469.

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. 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.

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

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

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

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

Medical Coverage Working Towards Health

Our medical plans protect you and your family from major financial hardship in the event of illness or injury. All TRS-Active participants may enroll in one of the following plans: TRS-ActiveCare Primary TRS-ActiveCare Primary+ TRS-ActiveCare HD

Medical Provider:

The TRS-ActiveCare 2 plan is closed to new enrollments, but you may continue in the plan if you are a currently enrolled participant.

TRS Region 4 Monthly Medical Rates TRS Medical

Region 4 Total Monthly Premium

Employer Contribution

Employee Monthly Cost

Employee Only

$569.00

$325.00

$244.00

Employee & Spouse

$1,537.00

$325.00

$1,212.00

Employee & Child(ren)

$968.00

$325.00

$643.00

Employee & Family

$1,935.00

$325.00

$1,610.00

Employee Only

$669.00

$325.00

$344.00

Employee & Spouse

$1,740.00

$325.00

$1,415.00

Employee & Child(ren)

$1,138.00

$325.00

$813.00

Employee & Family

$2,208.00

$325.00

$1,883.00

Employee Only

$583.00

$325.00

$258.00

Employee & Spouse

$1,575.00

$325.00

$1,250.00

Employee & Child(ren)

$992.00

$325.00

$667.00

Employee & Family

$1,983.00

$325.00

$1,658.00

Employee Only

$1,013.00

$325.00

$688.00

Employee & Spouse

$2,402.00

$325.00

$2,077.00

Employee & Child(ren)

$1,507.00

$325.00

$1,182.00

Employee & Family

$2,841.00

$325.00

$2,516.00

ActiveCare Primary

ActiveCare Primary+

ActiveCare HD

ActiveCare 2

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

Medical 2026-27 Coverage TRS-ActiveCare Plan Highlights Sept. 1, 2026 –

You have three plan options — one regional plan and two stand

How to Calculate Your Monthly Premium

TRS-ActiveCare Primary x Region 4 • Lowest premium of the three available plans • Copays for doctor visits before you meet your deductible • Statewide network • Primary Care Provider referrals required to see specialists • Not compatible with a Health Savings Account • No out-of-network coverage • New! Tiering options that lower your out-of-pocket costs when you choose certain facilities.

Total Monthly Premium Your Employer Contribution

Plan Summary

Your Premium

TRS-

• Highest premium • Copays for many • Lower deductible • Statewide networ • Primary Care Prov • Not compatible w • No out-of-network

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

Monthly Premiums

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

Total Premium Employee Only

$569

Employer Contribution

Your Premium

Total Premium $669

Employee and Spouse

$1,537

$1,740

Employee and Children

$968

$1,138

Employee and Family

$1,935

$2,208

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

In-Network Coverage Only

$2,500/$5,000 You pay 30% after deductible

You

$8,050/$16,100

PCP Required

Yes

Primary Care

$30 copay

Specialist

$70 copay

Doctor Visits

* Eligibility rules may apply.

See the Annual Enrollment Guide for more details.

Immediate Care Urgent Care Emergency Care

Mental Health You have in-office and virtual benefits: • TRS-ActiveCare Primary x Region 4 Plan: $30 copay for office visits or $0 with Teladoc • TRS-ActiveCare Primary+ Plan: $15 copay for office visits or $0 with Teladoc • TRS-ActiveCare HD Plan: 30% coinsurance after deductible or $42 with Teladoc • TRS-ActiveCare 2 Plan: $20 copay for office visits or $12 with Teladoc

$50 copay You pay 30% after deductible

TRS Virtual Health-RediMDTM

$0 per medical consultation

TRS Virtual Health-Teladoc®

$12 per medical consultation

Prescription Drugs Drug Deductible

Integrated with medical

$200 deducti

Generics (31-Day Supply/90-Day Supply)

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

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

You pay 30% after deductible

You pay 2 You pay 2

Non-preferred

You pay 50% after deductible

You

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

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

You pay 2

Insulin Out-of-Pocket Costs

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

$2 $7

Aug. 31, 2027 This plan is closed to new enrollees. Current TRS-ActiveCare 2 participants can stay enrolled.

dard plans — with a wide range of wellness benefits.

-ActiveCare Primary+

of the three available plans services and drugs than the HD and Primary plans rk vider referrals required to see specialists with a Health Savings Account k coverage

Employer Contribution

Your Premium

TRS-ActiveCare HD

TRS-ActiveCare 2

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

Employer Contribution

Total Premium

Your Premium

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

Employer Contribution

Total Premium

$583

$1,013

$1,575

$2,402

$992

$1,507

$1,983

$2,841

In-Network

Your Premium

Out-of-Network

n-Network Coverage Only

In-Network

Out-of-Network

$1,200/$2,400

$3,400/$6,800

$6,800/$13,600

$1,000/$3,000

$2,000/$6,000 You pay 40% after deductible

u pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible

$6,900/$13,800

$8,300/$16,600

$20,500/$41,000

$7,900/$15,800

Yes

$23,700/$47,400 No

$15 copay

You pay 30% after deductible

You pay 50% after deductible

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

You pay 40% after deductible

$70 copay

You pay 30% after deductible

You pay 50% after deductible

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

You pay 40% after deductible

$50 copay

You pay 30% after deductible

You pay 50% after deductible

$50 copay

You pay 40% after deductible

ou pay 20% after deductible

You pay 30% after deductible

You pay a $250 copay plus 20% after deductible

0 per medical consultation

$30 per medical consultation

$0 per medical consultation

12 per medical consultation

$42 per medical consultation

$12 per medical consultation

Integrated with medical

$200 brand deductible

ible per participant (brand drugs only)

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

$20/$45 copay

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

You pay 25% after deductible

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

u pay 50% after deductible

You pay 50% after deductible

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

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

You pay 20% after deductible

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

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

You pay 25% after deductible

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

$15/$45 copay

Questions?

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

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

TRS-ActiveCare Primary x Region 4

TRS-ActiveCare Primary+

In-Network Only

Office/Independent Lab: You pay $0

TRS-ActiveCare HD In-Network

Out-of-Network

In-Network

Out-of-Network

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

Diagnostic Labs

TRS-ActiveCare 2

You pay 50% after deductible

You pay 40% after deductible

Outpatient: You pay 30% after deductible

Outpatient: You pay 20% after deductible

You pay 30% after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

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

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

Tier 1: 30% coinsurance after deductible Tier 2: 40% coinsurance after deductible

You pay 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

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

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

(like childbirth, complex joint replacement and cardiac surgery)

Tier 1: 30% coinsurance after deductible Tier 2: 40% coinsurance after deductible

You pay 20% after deductible

You pay 30% after deductible

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

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

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

Freestanding Emergency Room

You pay $500 copay + 30% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 30% after deductible

You pay $500 copay + 50% after deductible

You pay $500 copay + 20% after deductible

You pay $500 copay + 40% after deductible

Facility: You pay 30% after deductible

Facility: You pay 20% after deductible

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

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

Only covered if rendered at a BDC+ facility

Specialist: You pay $70 copay

You pay 30% after deductible

You pay 50% after deductible

PCP: $30 copay

PCP: $15 copay

Specialist: $70 copay

You pay 30% after deductible

You pay 50% after deductible

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

Outpatient (like colonoscopy, cataract surgery and steroid injections)

Inpatient

Bariatric Surgery

Annual Vision Exam (one per plan year)

Annual Hearing Exam (one per plan year)

Outpatient: You pay 20% after deductible

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

Not Covered

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

Not Covered

Only covered if rendered at a BDC+ facility

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

Not Covered

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

You pay 40% after deductible

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

Questions? Visit https://www.express-scripts.com/ trsactivecare. Call 844-367-6108.

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

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

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

Watch and learn more!

Preventive Care Coverage May Include Adults

Teens

Children

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

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

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

Frequently Asked Questions Why should I get preventive care?

Why did I get a bill for preventive care?

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

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

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

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

Health Reimbursement Arrangement To help offset your health care expenses, the company provides a Health Reimbursement Arrangement (HRA) for employees who enroll in a companysponsored medical plan.

Get More Information Visit www.mybenefitshub.com/deerparkisd. Call 855-399-3035.

Administrator:

How Your HRA Works The company contributes $1,000 annually to your HRA account when you enroll in an eligible medical plan. If you are hired during the plan year, you will receive a prorated HRA contribution of $500. HRA funds may be used for eligible expenses incurred by both you and your eligible dependents. Eligible expenses include qualified medical and prescription drug expenses as allowed by the plan. Your employer puts money into your HRA

1. account. 2. 3.

After you meet your part of the deductible, submit your receipts for your out-of-pocket medical, dental, and vision expenses. Your HRA will reimburse all eligible expenses up to the remainder of your account balance.

Submitting Claims A debit card is not provided with this HRA. To receive reimbursement, you must submit eligible expenses directly to the plan's Third-Party Administrator (TPA). Once approved, reimbursement will be issued in accordance with the plan's claim procedures. For additional information regarding eligible expenses, reimbursement procedures, or claim submission requirements, contact National Benefit Services or view the plan summary online.

Special Rules for HSA Participants If you enrolled in a Health Savings Account (HSA)-qualified medical plan, you are subject to IRS restrictions regarding HRA reimbursements. To maintain HSA eligibility, HRA funds may only be used for eligible dental and vision expenses and cannot be used for medical or prescription drug expenses.How to Submit Claims

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

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

Symptoms

Average Cost

Average Wait

Allergies Cough/cold/flu Rash Stomachache

2-5 minutes

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

15-20 minutes

Common infections Minor injuries Pregnancy tests Vaccinations

15 minutes

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

15-30 minutes

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

$$$$

4+ hours

Most major injuries except trauma Severe pain

$$$$$$

Minimal

Non-Emergency Care

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

24 hours a day, 7 days a week

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

Office hours vary

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

Hours vary based on store hours

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

Generally includes evening, weekend and holiday hours

Emergency Care

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

24 hours a day, 7 days a week

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

24 hours a day, 7 days a week

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

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

Advanced Lab Tests and Health Screenings New! Function Membership

Carrier:

Get a deeper understanding of your body and spot potential issues early. Your benefit plan includes the opportunity for you and your family to enroll for a Function membership. Function empowers you to own your health through affordable access to advanced lab testing. A Function membership evaluates five times more biomarkers than the average physical, helping you gain a deeper understanding of what’s going on in your body, monitor for early indicators of disease, and track your health as it evolves. The membership includes: Access to 100+ lab tests at the start of your membership. Access to an additional 60+ midyear follow-up tests to track your progress. Detailed clinician notes highlighting areas of focus. A targeted action plan to help improve your health. Results stored on one secure platform for easy access anytime.

HOW THE PROCESS WORKS After signing up for Function, you will get an email and text message to schedule a convenient time and location for your lab visit. Tests take less than 30 minutes and are done at one of more than 2,000 partner lab locations nationwide. You will then get a detailed summary of your results and a targeted action plan to help you reach your health goals. All results are stored in one secure location for you to access anytime. You can retest in six months to see how you are progressing. Nonroutine tests (e.g., advanced MRI, early detection of multiple cancers, allergies, heavy metals, and more) may be added for an additional cost.

Function Health is separate from the TRS Medical.

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

Advanced Lab Tests and Health Screenings Test More. Know More. Advanced testing across: Heart

Heavy Metals

Sexual Health

Immunity

Liver

Electrolytes

Metabolics

Kidneys

Thyroid

Hormones

Pancreas

Autoimmunity

Nutrients

Prostate

Urine

Blood

The cost for an individual annual membership* is $335! FSA/HSA ELIGIBLE Funds from your Flexible Spending Account (FSA) or Health Savings Account (HSA) may be used to pay for your membership. Reimbursement is not guaranteed, so please contact your FSA/HSA provider in advance to confirm the terms of reimbursement. If you do not have an FSA or HSA, use a personal credit card. *Function membership includes prepaid access to 160+ lab tests each year at a Quest Diagnostics site. Due to state regulations, members testing in New York and New Jersey will be charged an additional fee directly by Quest for each lab visit. We cannot accommodate lab testing in Hawaii or Rhode Island at this time. You can schedule lab testing in a neighboring state.

How to Enroll Enroll anytime during the year. You will pay the membership fee(s) directly to Function. Visit https://www.functionhealth.com/aep/higginbotham.

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

Emergency Medical Transport MASA Medical Transport Solutions (MASA MTS) helps you prepare for the unexpected with affordable medical emergency air and ground transportation.

For More Information Visit www.masamts.com. Call 800-643-9023 or 800-423-3226. Download the MASA Global app.

Emergency Medical Transport Provider:

If you or your family members need emergency medical transport, your insurance coverage and Medicare may not cover all of the costs. Following your medical crisis, MASA MTS will negotiate with your medical plan provider and cover your remaining balance on your medical transportation bills. Participation in this plan is voluntary.

Watch and learn more!

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

Emergency Medical Transport Emergency Medical Transport Benefits Summary Emergency Medical Transport Services

Plans Emergent Plus Plan

Platinum Plan

Emergency Ground Ambulance Coverage

✓²

Emergency Air Ambulance Coverage

✓²

Hospital to Hospital Ambulance Coverage

✓²

Repatriation Near Home Coverage

✓²

✓⁴

Minor Return Transportation Coverage

✓³

Pet Return Transportation Coverage

✓³

Patient Return Transportation Coverage

✓⁴

Companion Emergency Transportation Coverage

✓³

Hospital Visitor Transportation Coverage

✓³

Mortal Remains Transportation Coverage

✓⁴

Vehicle and RV Return Coverage

✓³

Organ Retrieval Transportation Coverage

✓¹

Organ Recipient Transportation Coverage

✓¹

Monthly Rates Employee Only

$14.00

$35.00

Family

$14.00

$35.00

Coverage territories: 1

United States only

United States and Canada

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

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

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

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

Telehealth with Behavioral Health This voluntary telehealth program gives you 24/7 access to board-certified doctors, licensed counselors, and psychiatrists via your mobile device or computer – from home, the office, or on the go. Whether you need medical care or support navigating stress and life changes, confidential help is at your fingertips. It is a standalone program that is NOT tied to your medical plan coverage.

Telehealth with Behavioral Health Provider:

Get More Information and Register Skip the trip to your doctor! Set up your account so you can get on-demand medical care. Visit www.recurohealth.com. Call 855-673-2876. Download the Recuro app.

YOUR TELEHEALTH WITH BEHAVIORAL HEALTH PLUS PSYCHIATRIC COPAY IS $0! Note: Behavioral health and psychiatry are not available to children under the age of 10.

While telehealth with behavioral health does not replace your primary care physician, counselor, or psychiatrist, 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, counselor, or psychiatrist

Watch and learn more!

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

When to Use Telehealth For common conditions such as: Sore throat

Allergies

Headache

Fever

Stomachache

Urinary tract infections

Cold/flu

Behavioral health

Telehealth with Behavioral Health Monthly Rates Employee Only

$14

Employee & Family

$14

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

Hospital Cash Insurance

Watch and learn more!

The Hospital Cash plan helps 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.

Hospital Cash Insurance Provider:

You decide how to use the cash, whether it’s to pay for bills, gas, childcare or eldercare, medication, or other out-of-pocket expenses.

Hospital Cash Insurance Benefits Summary Hospital Cash Plan 1

Plan 2

$1,500

$2,000

3 per calendar year

$100 per day, max. 30 days per calendar year

$200 per day, max. 30 days per calendar year

Plan Features Hospital Admission Benefit Amount Hospital Admission Benefit Daily Hospital Stay Benefit Amount & Maximum Days per Calendar Year Hospital ICU Admission Benefit Amount

$3,000

$4,000

3 per calendar year

$200 per day, max. 30 days per calendar year

$400 per day, max. 30 days per calendar year

$500, 2 per calendar year for less than 20 hours

Newborn Care Admission

An admission benefit would be paid to the Mother; the applicable Hospital Confinement benefit would be payable.

Newborn Care Stay Benefit & Maximum Days

$500 per day, max. days per confinement: 2

$50 per covered individual per year (includes immunizations and physicals)

Hospital ICU Admission Benefit Daily Hospital ICU Benefit Amount & Maximum Days per Calendar Year Observation Benefit Amount & Maximum Days per Calendar Year

Wellness Benefit Health Screening/Wellness Benefit Plan Provisions HSA Compatible

Yes

Pre-existing Condition Limitation Period

None

Included

Employee Only

$15.96

$20.52

Employee & Spouse

$31.94

$29.62

Employee & Child(ren)

$28.74

$36.94

Employee & Family

$44.72

$57.44

Portability Additional Information Waiver of Premium Monthly Rates

Visit www.mybenefitshub.com/deerparkisd 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. A Health Savings Account (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.

HSA Administrator:

Two Ways To Use Your HSA USE IT NOW

INVEST OVER TIME

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.

Triple Tax Benefits

1. Tax-free contributions

Watch and learn more!

HSA Eligibility You are eligible to open and contribute to an HSA if you are: Enrolled in an HSA-eligible HDHP Not covered by another plan that is not a qualified HDHP (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 Gulf Coast Educators Federal Credit Union are eligible for automatic payroll deductions.

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

Contributions You may contribute up to the IRS annual maximum.

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

2026 Maximum HSA Contributions Individual

$4,400

Family

$8,750

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

GET MORE INFORMATION OR SUBMIT RECEIPTS Visit www.gcefcu.org. Call 281-487-9333.

Visit www.mybenefitshub.com/deerparkisd 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.

Find an In-Network Provider Visit www.lfg.com. Call 800-423-2765.

Dental Provider:

Network: Lincoln Dental Connect

DPPO Plans

Watch and learn more!

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

Dental Benefits Summary Dental Low Plan

Medium Plan

High Plan

Network Type

DPPO

OON Reimbursement Type

MAC¹

90th Percentile²

95th Percentile³

Lincoln Dental Connect

Annual Maximum Benefit per Member

$500

$1,000

$1,500

Annual Deductible Amount • Individual • Family

$50 $150

N/A

$1,250 rollover bank; $500 in-network and $350 out-ofnetwork; $800 claim threshold

Provider Network Dental Network Name Plan Features

Plan Annual Maximum Rollover or Increasing Maximum Threshold and Amount

¹You will be reimbursed up to the Maximum Allowable Charge (MAC) for services received from an out-of-network dentist. You are responsible for charges in excess of the MAC, so stay in-network to avoid balance billing. ²Payment for covered services received from an out-of-network dentist is based on the 90th percentile of Usual, Customary, and Reasonable (UCR) charges. ³Payment for covered services received from an out-of-network dentist is based on the 95th percentile of Usual, Customary, and Reasonable (UCR) charges.

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

HOW CAN I GET MY ID CARD?

Dental Coverage

Visit www.lfg.com. Call 800-423-2765. Dental

Low Plan

Medium Plan

High Plan

In-Network Reimbursement Reimbursement Percentages Class 1: Preventive/Diagnostic Care

100%

Class 2: Basic Restorative Care

50%

80%

Class 3: Major Restorative Care

25%

50%

50% – full age 16+ 1 per 10 years

50% – full age 16+ 1 per 5 years

Class 4: Orthodontia Reimbursement Percentage

N/A

50%

Class 4: Orthodontia: Lifetime Maximum Amount

N/A

$1,500

Class 4: Orthodontia: Who is Covered?

N/A

Adults and Child(ren)

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

N/A

Age 26

Palliative Treatment

Basic

Oral Surgery: Simple Extractions

Basic

Class 3: Implants Orthodontia

Services Class

Oral Surgery: Surgical Extractions

Basic

Periodontics Nonsurgical

Major

Basic

Periodontics Surgical

Major

Basic

Endodontics Nonsurgical

Major

Endodontics Surgical

Major

In-Network Reimbursement Plan Provisions Number of Dental Cleanings Available per Year

Do Waiting Periods Apply for Any Preventive, Basic, Major, or Orthodontia Services?

Are Benefits Determined by Policy Year or Calendar Year?

Calendar

Are Limitations for Late Entrants Included in the Policy?

Is a Missing Tooth Clause Included in the Policy?

Yes. Member submits the claim; out-of-network benefits

Employee Only

$15.28

$47.98

$60.54

Can Benefits Be Utilized Outside of the U.S.? Monthly Rates Employee & Spouse

$29.26

$72.74

$92.30

Employee & Child(ren)

$31.70

$74.64

$101.20

Employee & Family

$46.12

$101.02

$136.60

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

Vision Coverage Our vision plans offer 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.

Find an In-Network Provider Visit www.eyemed.com. Call 866-939-3633.

Vision Provider:

Network: Insight Network

You may seek care from any vision provider, but the plans will pay the highest level of benefits when you see in-network providers.

Watch and learn more!

Vision Benefits Summary Vision Low Plan

High Plan

Insight Network

Exam

Once per plan year

Frames

Once per plan year (In lieu of contacts)

Once per plan year glasses and contacts

Lenses

Once per plan year (In lieu of contacts)

Once per plan year glasses and contacts

Once per plan year (In lieu of frames and lenses)

Once per plan year glasses and contacts

Provider Network Vision Network Name Benefit Frequency (Per Plan Year)

Contact Lenses

In-Network

Out-of-Network

In-Network

Out-of-Network

$10 copay $0 copay at PLUS providers

Up to $40 reimbursement

$10 copay $0 copay at PLUS providers

Up to $40 reimbursement

Retinal Imaging

Up to $39 member cost

Not covered

$0 copay

Up to $20 reimbursement

Standard Contact Lens Fitting

Up to $40 member cost

Not covered

Up to $40 member cost

Not covered

Services (Copays) Exam

HOW CAN I GET MY ID CARD? Visit www.eyemed.com. Call 866-939-3633.

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

Vision Coverage Vision Low Plan

High Plan

In-Network

Out-of-Network

In-Network

Out-of-Network

Frame Allowance

$150 allowance $200 allowance at PLUS providers

Up to $100 reimbursement

$150 allowance; $200 allowance at PLUS providers

Up to $100 reimbursment

Materials Copay

$25 copay

Various reimbursements for materials outlined below

$25 copay

Various reimbursements for materials outlined below

Are Single Vision Lenses Covered in Full?

Yes, after $25 copay (aligns with materials copay)

Up to $30 reimbursement

Yes, after $25 copay (aligns with materials copay)

Up to $30 reimbursement

Are Bifocal Lenses Covered in Full?

Yes, after $25 copay (aligns with materials copay)

Up to $50 reimbursement

Yes, after $25 copay (aligns with materials copay)

Up to $50 reimbursement

Materials Copay (Per Pair)

Progressive Lenses by Tier • Standard • Premium

$90 copay Tiers I-V: $110-$250 copay range (copays include $25 materials copay)

Up to $50 reimbursement

$90 copay Tiers I-V: $110-$250 copay range (copays include $25 materials copay)

Up to $50 reimbursement

In-Network

Out-of-Network

In-Network

Out-of-Network

Yes, children up to age 19 have $0 copay

Up to $20 reimbursement

Yes, children up to age 19 have $0 copay

Up to $20 reimbursement

$40 member cost

Not covered

$40 member cost

Not covered

Lens Enhancements Are Standard Polycarbonate Lenses Covered in Full? Standard Polycarbonate Lenses Anti-reflective Coating • Standard • Premium

$45 copay Tiers I-III: $57-$85 copay range

Not covered

$45 copay Tiers I-III: $57-$85 copay range

Not covered

Scratch-resistant Coating

$15

Not covered

$15

Not covered

UV Treatment

$15

Not covered

$15

Not covered

Yes

Conventional Contact Lens Allowance

$200 allowance $250 allowance at PLUS providers

Up to $100 reimbursement

$200 allowance; $250 allowance at PLUS providers

Up to $100 reimbursement

Medically Necessary Contact Lens Allowance

$0 copay (paid in full)

Up to $300 reimbursement

$0 copay (paid in full)

Up to $300 reimbursement

LASIK Benefit

Members receive 15% off the retail price or 5% off the promotional price of LASIK surgery.

Not covered

Members receive 15% off the retail price or 5% off the promotional price of LASIK surgery.

Not covered

Contacts and LASIK Are Contacts in Lieu of Glasses?

Plan Provisions Are Benefits Determined by Policy Year, Service Year, or Calendar Year?

Plan year

Can Benefits Be Utilized Outside of the U.S.?

Employee Only

$9.04

$14.62

Employee & Spouse

$15.46

$25.02

Employee & Child(ren)

$16.04

$25.98

Employee & Family

$24.18

$39.12

Monthly Rates

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

Educator Disability Insurance

Get Rates or File a Claim Visit www.mybenefitshub.com/deerparkisd. Call 800-368-2859.

Educator Disability insurance is available for you to purchase. It combines features of Short Term Disability and Long Term Disability, and you may choose the benefit amount and waiting period that best suit your needs. Watch and learn more!

Educator Disability Provider:

What is disability insurance? 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. 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. Will I get all of my disability benefit? Your disability benefit may be reduced by other income you receive or are eligible to receive due to your disability, such as:

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)

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

Educator Disability Insurance Educator Disability Plan Features Maximum Benefit Duration (Injury and Illness) Elimination Period Options

SSNRA 0/7 , 14/141, 30/301, 60/601 1

Benefit Increments

$100

Minimum Monthly Benefit Amount

$200

Maximum Monthly Benefit Amount

66.67% up to a maximum of $10,000

First Day Hospital Confinement Benefit

Included on 0/7, 14/14, and 30/30

Pre-existing Condition Benefit

60 days

EAP

Included

Number of Face-to-face Sessions

Number of Virtual Visits

Survivor Benefit

Included

Worksite Modification Benefit

Included

Plan Provisions Work-related Sickness or Injury

24-hour

Pre-existing Condition Benefit

An annual enrollment is included. Applies to benefit increases over $300.

Pre-existing Condition Limitation Period

3/12 with a 60-day pre-existing condition waiver

Additional Information Waiver of Premium

90 days

Benefit Integration

12 months

Monthly Rate Increments of $100 Elimination Period – 0/71

$3.21

Elimination Period – 14/141

$2.74

Elimination Period – 30/301

$2.30

Elimination Period – 60/60

$1.44

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.

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

Life and AD&D Insurance

Watch and learn more!

For Employees / Basic 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.

Employee Basic Life and AD&D Eligible employees receive Basic Life and AD&D at no cost. You are automatically covered at $25,000 for each benefit. Employee Basic Life and AD&D

Life and AD&D Provider:

Employee Eligibility Definition Plan Features EAP

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 50% at age 70.

Designating a Beneficiary 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%).

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

Included

Number of Face-to-face Sessions

Number of Virtual Visits

5 (counts as face-to-face)/ unlimited telephonic

Accelerated Death Benefit

Included

Life Planning: Financial & Legal Resources

Included

Emergency Travel Assistance

Included

Plan Provisions Employee Reduction Schedule

50% at age 70

Waiver of Premium

Yes (9 months)

Conversion

Included

Portability

Included

Life Insurance Voluntary Watch and learn more!

Life insurance is important to your financial security, especially if others depend on you for support or vice versa. Voluntary Life Initial Guaranteed Issue (GI) Amounts

Voluntary Life Provider:

Employee GI Amount

$280,000

Spouse GI Amount

$50,000

Child(ren) GI Amount

All

Open Enrollment

With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. Life coverage amounts reduce 50% at age 70.

Voluntary Life If you need more coverage than Basic Life, you may buy Voluntary Life coverage for yourself and your dependent(s). If you do not elect Voluntary Life 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 coverage for yourself before covering your spouse and/or child(ren).

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

Yes

How Many Increments Can be Increased Annually Without EOI?

Plan Features Employee Maximum Times Salary

7 times

Employee Minimum/Maximum Coverage Amount

$10,000 min. $500,000 max.

Spouse Minimum/Maximum Coverage Amount

$5,000 min. $500,000 max.

Spouse Coverage

100%

Child(ren) Minimum/Maximum Coverage Amount

$10,000 min. $10,000 max.

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

All

Plan Provisions Employee & Spouse Reduction Schedule

50% at age 70

Waiver of Premium

Included/6 months

Conversion

Included

Portability

Included

Voluntary Life Monthly Rates

Employee and Spouse Rates Per $1,0001

Designating a Beneficiary

Age

Rate

Age

Rate

<29

$0.030

50-54

$0.190

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%).

30-34

$0.040

55-59

$0.310

35-39

$0.050

60-64

$0.470

40-44

$0.080

65-69

$0.880

45-49

$0.120

70+

$1.640

Child Rates Per $1,000 To Age 26 1

$0.130

Spouse rate calculated based on employee age.

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

AD&D Insurance Voluntary Watch and learn more!

AD&D insurance is important to your financial security, especially if others depend on you for support or vice versa.

Voluntary AD&D Voluntary AD&D Provider:

If you need more coverage than Basic AD&D, you may buy Voluntary AD&D coverage for yourself and your dependent(s). You must elect Voluntary AD&D coverage for yourself before covering your spouse and/or child(ren). Voluntary AD&D AD&D Plan Features Employee Maximum Times Salary

With AD&D insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage amounts reduce 50% at age 70.

7 times

Employee Minimum/Maximum Coverage Amount

$10,000 min. $500,000 max.

Spouse Minimum/Maximum Coverage Amount

$5,000 min. $500,000 max.

Child(ren) Minimum/Maximum Coverage Amount

$10,000 min. $10,000 max.

Family Coverage Percentage Breakdown

100%

Voluntary AD&D Monthly Rates

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

Employee Only

$0.030

Spouse

$0.030

Child(ren)

$0.030

Family

N/A

Permanent Life Insurance

To Enroll and For More Information Visit https://www.5starlifeinsurance.com. Call 866-863-9753.

Help protect your family with The Family Protection Plan from 5Star Life Insurance Company. This level term life insurance plan offers level premiums and a level death benefit to age 121, as long as there is no lapse in premium payments. The death benefit is paid in a lump-sum cash payment. Permanent Life Insurance Provider:

Plan Highlights Spouse Coverage: Cover your spouse, even if you do not elect coverage for yourself. Dependent Coverage: Financially dependent children and grandchildren ages 14 days to 26 years old can get coverage too. Portability: If you change jobs or retire, and continue to pay your premium, your coverage continues with no loss of benefits or premium increases. 5Star will bill you directly. Terminal Illness Benefit: Receive 30% of your coverage in a lump-sum payment if a terminal condition limits your life expectancy to less than 12 months. Quality of Life Benefit: This optional rider accelerates a portion of your death benefit on a monthly basis – up to 75% – should the following occur: You have a permanent inability to perform at least two of the six ADLs (Activities of Daily Living) without substantial assistance; or You suffer from a severe cognitive impairment such as dementia, Alzheimer’s disease, or other forms of senility that require substantial supervision. Convenient Payment: Your premium can be payroll-deducted.

2026 PLAN YEAR ENROLLMENT The following Guaranteed Issue benefit amounts are available to eligible applicants, regardless of their health status, with no doctor exam or physical required. Employee: $150,000 Spouse: $50,000 Child: $10,000

Visit www.mybenefitshub.com/deerparkisd 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.

Watch and learn more!

Cancer Insurance Provider:

Cancer Insurance Benefits Summary Cancer Plan 1

Plan 2

$100 paid upon receipt of first covered claim for cancer; only 1 payment per certificate

Diagnosis of Cancer

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

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

Hospital Confinement

$100 per day: days 1-30 Additional days: $200 Max days per confinement: 31

$200 per day: days 1-30 Additional days: $400 Max days per confinement: 31

Hospital ICU Confinement

$600 per day: days 1-30 Additional days: $600 Max 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: $15,000

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

$100 per day of confinement Lifetime max donations: 2

Drugs and Medicines – Inpatient

$150 per day of confinement Maximum confinements per calendar year: 6

Drugs and Medicines – Outpatient

Hormonal therapy: $50 per calendar month Maximum months per calendar year: 12

First bone marrow transplant: $6,000 Additional transplant: 50% Lifetime maximum transplants: 2

First bone marrow transplant: $9,000 Additional transplant: 50% Lifetime maximum transplants: 2

Plan Features Core Benefits First Occurrence Benefit

Medical Imaging Treatment Benefits Donor Benefit

Bone Marrow Transplant

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

Cancer Insurance Cancer Plan 1

Plan 2

First stem cell transplant: $600 Additional transplant: 50% Lifetime maximum transplants: 2

First stem cell transplant: $900 Additional transplant: 50% Lifetime maximum transplants: 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 Max days per calendar year: 30

$100 per day

$150 per hair piece Lifetime max: 1

$150 per piece of equipment, max pieces per calendar year: 2

Breast TRAM flap: $2,000 Breast reconstruction: $500 Breast symmetry: $500 Facial reconstruction: $500

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

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

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

Is There a Waiting Period for Claims in the First 30 Days?

Pre-existing Condition Limitation Period

12/12. No benefits are payable for any loss incurred during the first 12 months following the Certificate effective date, if the loss is due to a pre-existing condition. The pre-existing period does not apply if enrolled in the American Fidelity cancer plan for at least 12 months.

Included following a 60-day period of total disability due to cancer

Included

Yes

Stem Cell Transplant Additional Benefits

Hospice Hair Prosthesis Medical Equipment

Reconstructive Surgery Riders

Heart Attack & Stroke

Wellness Benefit Health Screening/Wellness Benefit Amount Plan Provisions

Additional Information Waiver of Premium Portability Continuity of Coverage Monthly Rates Employee Only

$15.64

$31.30

Employee & Spouse

$20.88

$47.64

Employee & Child(ren)

$18.76

$30.28

Employee & Family

$26.60

$53.26

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

Critical Illness Insurance

Watch and learn more!

Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness. 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.

Critical Illness Insurance Provider:

Critical Illness Insurance Benefits Summary Critical Illness Coverage Amounts Employee Benefit Amount(s)

$10,000, $20,000, $30,000

Spouse Benefit Amount Maximum

$10,000, $20,000, $30,000

Child(ren) Benefit Amount Maximum

50%

Covered Conditions Vascular Coronary Artery Disease • Coronary Artery Bypass Graft • Stent

50% (both CABJ and stent are covered at 50% under arterial/vascular disease)

Heart Attack

100%

Heart Failure

100% (covered under major organ failure)

Stroke

100%

Sudden Cardiac Arrest

100%

Cancer Invasive Cancer

100%

Benign Tumor

100%

Carcinoma in Situ Skin Cancer

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

25% $1,000 (limited to benefit per lifetime)

Critical Illness Insurance Critical Illness Neurological Advanced Stage Alzheimer’s Disease

100%

Amyotrophic Lateral Sclerosis (ALS)

100%

Parkinson’s Disease

100%

Huntington’s Disease

100%

Blindness

100%

Loss of Hearing or Speech

100%

Other Specified Aneurysm

Not included but severe traumatic brain injuries are included

Major Organ Failure

100%

End-stage Renal Disease

100%

Child Specified Cerebral Palsy

100%

Cleft Lip, Cleft Palate

100%

Cystic Fibrosis

100%

Type 1 Diabetes

100%

Down Syndrome

100%

Sickle Cell Anemia

N/A

Spina Bifida

100%

Recurrence and Separation Period (CI and Cancer) Separation Period (Different Condition)

3 months

Recurrence Period (Same Condition)

6 months

Wellness Benefit Health Screening/Wellness Benefit

$50

Plan Provisions Pre-existing Condition Limitations

Pre-existing Condition Limitation Period

N/A

Employee/Spouse Reduction Schedule

None

Additional Information Waiver of Premium

Included

Conversion

Not included

Portability

Included

Rates per $1,000 Age

Rate

Age

Rate

20-29

$0.390

60-64

$4.270

30-34

$0.640

65-69

$4.270

35-39

$0.640

70-74

$9.370

40-44

$1.270

75-79

$9.370

45-49

$1.270

80-84

$9.370

50-54

$2.430

85+

$9.370

55-59

$2.430

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

Accident Insurance Accident insurance provides affordable protection against a sudden, unforeseen accident. This plan helps 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 this 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.

Watch and learn more!

Accident Insurance Provider:

Accident Insurance Benefits Summary Accident Plan 2

Plan 1

24-hour

Emergency Room

$400

$200

Urgent Care

$250

$150

X-ray

$150

$100

Major Diagnostic Exam

$300

Ground/Air Ambulance

$1,000/$2,000

$1,500

$1,000

Coverage Off-the-job Coverage Emergency Treatment Benefits

Hospital/Facility Benefits Hospital Admission Daily Hospital Confinement

$300 per day, up to 365 days

$200 per day, up to 365 days

Hospital ICU Admission

$1,500

$1,000

Daily ICU Confinement

$600 per day, up to 30 days

$400 per day, up to 30 days

Initial Physician Visit Benefit

$125; 1 visit max.

$100; 1 visit max.

Physician Follow-up Benefit

$100; 3 visits max.

$75; 3 visits max.

$50 per visit Max. visits per accident: 3 Max. visits per calendar year: 6

$50; 10 visits max.

Chiropractic Care Therapy – Physical, Occupational, or Speech

Working towards Protection 36

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

Accident Insurance Accident Plan 2

Plan 1

Fractures Amount Up to:

Up to $6,000; Up to $12,000

Dislocations Amount Up to:

Up to $5,000; Up to $10,000

Up to $4,500; Up to $9,000

Ankle

$3,000

$1,800

Forearm (Elbow to Wrist)

$3,000

$1,800

Per Finger or Toe

$300

Foot

$3,000

$1,800

Leg (Knee to Ankle)

$3,000

$1,800

Fractures and Dislocations (Nonsurgical/Surgical)

Common Fractures (Nonsurgical Amount)

Common Dislocations (Nonsurgical Amount) Elbow

$2,000

$1,350

Per Finger or Toe

$300

$225

Shoulder

$2,000

$1,350

Repair of one: $1,000 Repair of two or more: $1,500

$1,000

Concussion

$500 / Traumatic brain injury

$300 / Traumatic brain injury

Lacerations

Up to $1,000

Up to $600

Common Surgical Repair Benefits Ligaments, Tendons, Rotator Cuff Torn Knee Cartilage Specific Injuries

Accidental Death & Dismemberment Benefit Employee Accidental Death

$100,000

$50,000

Spouse Accidental Death

$100,000

$50,000

Child Accidental Death

$25,000

Outpatient physician treatment and preventive care benefit: included: $50 per covered individual per year (includes immunizations and physicals)

Included; Benefits are 50% higher when accident is due to organized sports. Up to $5,000 per person/per year.

Appliance benefit: $200

Appliance benefit: $100

Not included

Included

Wellness Benefit Health Screening/Wellness Benefit Amount Additional Benefits Organized Sports Rider Amount per Person/ per Year Medical Equipment Additional Information Waiver of Premium Portability Monthly Rates Employee Only

$8.80

$5.70

Employee & Spouse

$17.06

$11.50

Employee & Child(ren)

$18.38

$12.06

Employee & Family

$26.40

$17.80

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

Identity Theft Protection These plans help to prevent or minimize the harm caused by identity theft when someone uses your personal information without permission.

To Learn More Visit www.experian.com. Call 855-797-0052.

Identity Theft Provider:

Identity Theft Elite Plan

Premium Plan

Experian Credit Bureau Monitoring

Daily

Monthly

All Three Credit Bureaus Monitoring

Yes

Daily Experian, Quarterly TransUnion/Equifax

1B only

$3M with cyber and senior expense reimbursment

$1M

Plan Features

Three Bureaus Credit Scores & Reports $1M Identity Theft Insurance Identity Restoration

White glove

Identity Consultation & Advice

Included

Threat & Credit Alerts

Included

Bank Account Takeover & Credit Card App Monitoring

Included

Financial Account Monitoring

Included

N/A

Financial Transaction Monitoring

Included

N/A

High-risk Transaction Alerts

Included

Cyber Alert Monitors

Included

Dark Web Monitoring

Included

Social Media Monitoring

Included

Employee Only

$7.90

$4.50

Employee & Spouse

$14.40

$9.00

Monthly Rates

Employee & Child(ren)

$7.90

$4.50

Employee & Family

$14.40

$9.00

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

Flexible Spending Accounts

Watch and learn more!

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

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

FSA Administrator:

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

Braces, glasses, and contacts Hearing aids and batteries

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

Working Towards Savings

IMPORTANT REMINDERS! 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. 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. Visit www.mybenefitshub.com/deerparkisd for full plan details.

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. The dependent care provider cannot be your child 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)

Run-out Period

90 days

No run-out period

Carryover

$680

No carryover (Use it or lose it)

Grace Period

No grace period

75 days

How to Access Funds/Pay or Get Reimbursed Use your FSA debit card (excludes the Dependent Care FSA). OR Pay out-of-pocket, and submit your receipts for reimbursement.

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

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 app. Participant Portal: www.mynbsbenefits.com. Mail: National Benefit Services, LLC P.O. Box 219393 Kansas City, MO 64121-9393

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

Flexible Spending Account*

Description

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

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

High Deductible Health Plan

None

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)

Underlying Insurance Requirement

Maximum Annual Contribution

Permissible Use of Funds

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

See details in the Description section above.

Year-to-year rollover of account balance?

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

2026 Health Care FSA – Allows for carryover of $680 in to the next plan year. Dependent Care FSA – N/A

Does the account earn interest?

Yes

Portable?

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

Flip to … 21

HSA

FSA

* 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.

Visit www.mybenefitshub.com/deerparkisd 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 Publication 502 Medical and Dental Expenses at www.irs.gov for complete details. Abdominal supports

Diagnostic fees

Orthopedic shoes

Acupuncture

Eyeglasses

Orthopedist

Ambulance

Gynecologist

Osteopath

Anesthetist

Healing services

Physician

Arch supports

Hearing aids and batteries

Postnatal treatments

Artificial limbs

Hospital bills

Prenatal care

Blood tests

Insulin treatment

Prescription medicines

Braces

Lab tests

Psychiatrist

Cardiographs

Metabolism tests

Therapy equipment

Chiropractor

Neurologist

Wheelchair

Crutches

Nursing

X-rays

Dental treatment

Obstetrician

Dentures

Operating room costs

Dermatologist

Ophthalmologist/Optician/Optometrist

* Excludes Dependent Care FSA.

Working Towards Savings

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

Employee Assistance Program For 24/7 Support and More Information

The Employee Assistance Program (EAP) helps you and family members cope with a variety of personal and work-related issues.

Visit www.supportlink.com. Call 888-881-5462. Use group code dpisd.

EAP Provider:

Support at Any Hour of the Day or Night!

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

Working Towards Support

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

Financial Planning 403(b) Retirement Plan A 403(b) plan can be a powerful tool to help you reach your investment goals and be financially secure in retirement.

To Enroll and Get More Information Visit https://www.nbsbenefits.com. Call 800-274-0503.

Retirement Plan Provider:

Benefits

How the Plan Works Employees enroll and participate through their employer. Contributions to a 403(b) are made on a pre-tax basis through a Salary Reduction Agreement. This is an arrangement where the participating employee agrees to take a reduction in salary. The amount by which the salary is reduced is directed to investments offered through the employer and selected by the employee. These contributions are called elective deferrals and are excluded from the employee’s taxable income. Contributions grow tax-deferred until the time of retirement when withdrawals are taxed as ordinary income.

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

You decide how much you want to contribute, and you can change your contribution amount anytime. All changes are effective as soon as administratively feasible and remain in effect until you update or stop your contributions. You also decide how to invest the assets in your account.

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

Tax deferred growth: no annual taxation on earnings Investment options: fixed annuities, variable annuities, or mutual funds Competitive interest rates Flexibility: start, stop, and adjust your contributions as allowed by your employer’s plan Receive periodic account statements

Financial Planning 457(b) Retirement Plan A 457(b) plan can be a powerful tool to help you reach your investment goals and be financially secure in retirement.

To Enroll and Get More Information Visit https://www.nbsbenefits.com. Call 800-274-0503.

Retirement Plan Provider:

Benefits

How the Plan Works Employees enroll and participate through their employer. Contributions to a 457(b) are made on a pre-tax basis through a Salary Reduction Agreement. This is an arrangement where the participating employee agrees to take a reduction in salary. The amount by which the salary is reduced is directed to investments offered through the employer and selected by the employee. These contributions are called elective deferrals and are excluded from the employee’s taxable income. Contributions grow tax-deferred until the time of retirement when withdrawals are taxed as ordinary income.

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

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

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

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

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

Glossary of Terms 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.

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.

MAC/MRC/NAP (Maximum Allowable Charge/ Maximum Reimbursable Charge/Network Access Plan): Participants will receive the same payouts (contracted fees) for services whether they go in or out of network; and they may be balance billed when going out of network. UCR/R&C(Usual, Customary, and Reasonable/ Reasonable & Customary): When going out of network, the plan will pay an amount determined by the usual cost charged for the service by dentists in a certain geographical area.

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

Covered Expenses – These are health care expenses covered under your health plan.

Eligibility Waiting Period – This period is the amount of time new hires must wait before they are eligible for benefits. Most HPS clients will allow for new hires to be eligible the first of the month following (or coincident with) their date of hire. Elimination Period – Also known as a waiting period, this is the number of calendar days that participants in a Disability plan must be disabled before they are eligible to receive benefits. Employer Contribution – The amount of premium or financial contribution an employer provides to participants for insurance, spending accounts, or retirement. EOB (Explanation of Benefits) – This statement from your insurance carrier explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, and what portion of the claim is your responsibility. It also includes information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review.

FSA (Flexible Spending Account) – An option that allows participants to set aside pretax dollars to pay for qualified expenses (i.e., certain medical care or dependent care expenses) during a specific period (usually a 12-month period). Participants determine how much to contribute to their FSA at the beginning of the plan year. Most funds must be used by the end of the year, depending upon the type of FSA, as there is a limited carryover amount. Grace Period – As it pertains to FSAs, this is the period immediately following the end of the plan year during which participants can incur new claims to use their remaining FSA funds. Guaranteed Issue – Some plans may include Guaranteed Issue coverage to new enrollees without EOI. HPS (Higginbotham Public Sector) – HPS is the insurance broker that represents your account. HSA (Health Savings Account) – This is an employeeowned savings account used to pay for eligible health care expenses with pretax dollars. Funds in the account do not have to be used within a specified time period. An HSA must be coupled with qualified High Deductible Health Plan. 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.

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

Glossary of Terms Inpatient – A person who is treated as a registered patient in a hospital or other health care facility. Medically Necessary – Services or supplies provided by a hospital, health care facility, or physician that meet the following criteria: (1) are appropriate for the symptoms and diagnosis and/or treatment of the condition, illness, disease, or injury; (2) serve to provide diagnosis or direct care and/or treatment of the condition, illness, disease, or injury; (3) are in accordance with standards of good medical practice; (4) are not primarily serving as convenience; and (5) are considered the most appropriate care available. Medicare – An insurance program administered by the federal government to provide health coverage to individuals age 65 or older, or who have certain disabilities or illnesses. Member – You and those covered become members when you enroll in a health plan. This includes eligible employees, their dependents, COBRA beneficiaries, and surviving spouses. Open Enrollment – Open Enrollment refers to the annual period during which employees may enroll in available benefits or make coverage changes without a Qualifying Life Event. Out-of-network – Doctors, hospitals, and other providers that are not contracted with your insurance company. If you choose an out-of-network provider, you may be responsible for costs over the amount allowed by your insurance carrier. Out-of-pocket Expense – Amount that you must pay toward the cost of health care services. This includes deductibles, copayments, and coinsurance. Out-of-pocket Maximum – Also known as an out-ofpocket limit, this is the most you pay during a policy or benefit period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount for covered services.

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

PCP (Primary Care Physician) – A doctor who is selected to coordinate treatment under your health plan. This generally includes family practice physicians, general practitioners, internists, and pediatricians. Plan Year – A 12-month period of benefits coverage under a group health plan, which may or may not coincide with a calendar year. Plan Year Maximum – The maximum amount of benefit available to a participant for each plan year. Portability – Portability is a continuation option available that allows participants to continue group coverage beyond their employment. Premiums typically remain in line with active participants, but coverage depends on the continuation of the group policy. If the group policy terminates, portability will no longer be available. Preventive Care – The care you receive to help prevent illness or disease. It also includes counseling to prevent health problems. 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. Premium – A reference to the cost (usually monthly) of insurance/benefits paid by the employer or employee. QLE (Qualifying Life Event) – These are events that allow changes to pretax benefits outside of Open Enrollment. Changes must typically be made within 30 or 31 days of the event. Examples of QLEs include marriage, birth, divorce, gain or loss of benefits coverage, and change in employment status affecting benefits. Rate Guarantee – Plan pricing can be under a rate guarantee for a certain amount of time, typically two to four years. The premium rates cannot be changed during this time.

Glossary of Terms Renewal – When a plan’s rate guarantee expires, a rate renewal will be received from the carrier’s underwriter. This establishes new rates beyond the expiration of the rate guarantee. Clients can either accept the new rates, attempt to negotiate the renewal (usually assisted by HPS), or publish an RFP (Request for Proposal) to shop for a new carrier. Rollover – As it pertains to a Health Care FSA or Limited Purpose Health Care FSA, a client can establish a limit of $680 (for 2026) of unused funds that can be rolled over to the next plan year, provided the participant re-enrolls in the FSA plan.

Usual, Customary, and Reasonable (UCR) Allowance – This is the fee paid for covered services that is: (1) a similar amount to the fee charged by a health care provider to the majority of patients for the same procedure; (2) the customary fee paid to providers with similar training and expertise in a similar geographic area: and (3) reasonable in light of any unusual clinical circumstances. Waiver of Premium (WOP) – This is a feature in some insurance plans that allows premiums to be suspended for a participant for a period of disability.

Run-out Period – Related to FSAs, this is a period immediately following the end of the plan year in which participants can submit claims incurred within the plan year. For new onboarding clients, this period can be managed by the current or new administrator. The current administrator may charge a fee. If the new administrator manages the run-out period, it will need a report of the FSA participants and their remaining FSA balances. SSNRA (Social Security Normal Retirement Age) – This is the normal retirement age for an employee under the federal Social Security Act. 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. 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.

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

Important Legal Notices Women’s Health and Cancer Rights Act of 1998 In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully. As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits: All stages of reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; and Prostheses and treatment of physical complications of the mastectomy, including lymphedema. Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.

Special Enrollment Rights This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.

Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP) If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage). If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Deer Park ISD and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice. 1.

Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

Deer Park ISD has determined that the prescription drug coverage offered by the Deer Park 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.

Marriage, Birth or Adoption If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption. For More Information or Assistance To request special enrollment or obtain more information, contact: Deer Park ISD Human Resources 2800 Texas Ave Deer Park, TX 77536 832-668-7026

Your Prescription Drug Coverage and Medicare

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

Important Legal Notices Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods. You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty). You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting Deer Park ISD at the phone number or address listed at the end of this section. If you choose to enroll in a Medicare prescription drug plan and cancel your current Deer Park ISD prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.

If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage. For more information about this notice or your current prescription drug coverage: Contact the Human Resources Department at 832-668-7026. NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy. For more information about your options under Medicare prescription drug coverage: More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage: Visit www.medicare.gov. Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help. Call 1-800-MEDICARE (1-800-6334227). TTY users should call 877486-2048.

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 800-325-0778. Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty). September 1, 2026 Deer Park ISD Human Resources 2800 Texas Ave Deer Park, TX 77536 832-668-7026

Notice of HIPAA Privacy Practices 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 Deer Park 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.

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

Important Legal Notices We are required to provide this Notice of Privacy Practices to you pursuant to HIPAA. 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: 1.

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

The provision of health care to you; or

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

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: Deer Park ISD Human Resources 2800 Texas Ave Deer Park, TX 77536 832-668-7026 II. Effective Date This Notice is effective February 15, 2026. III. Our Responsibilities 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.

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.

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

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 precertification 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, 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. 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.

Important Legal Notices 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 HealthRelated Benefits and Services. We may use and disclose your protected health information to send you information about treatment alternatives or other healthrelated 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.

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.

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.

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.

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.

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;

to report reactions to medications or problems with products;

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;

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.

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.

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.

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

Important Legal Notices 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 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 lawenforcement official. 1.

in response to a court order, subpoena, warrant, summons, or similar process; to identify or locate a suspect, fugitive, material witness, or missing person;

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. Research. We may disclose your PHI to researchers when:

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:

The individual identifiers have been removed; or

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.

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.

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

VI. Required Disclosures

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

about criminal conduct.

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.

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. 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.

VII. Other Disclosures

The following is a description of disclosures of your PHI we are required to make.

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.

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

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.

Important Legal Notices 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 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.

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

VIII. Your Rights

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.

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:

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 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. 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.

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. 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.

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. 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.

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

Important Legal Notices 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.

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare. gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of January 31, 2026. Contact your State for more information on eligibility. Texas – Medicaid Website: https://www.hhs.texas.gov/ services/financial/health-insurancepremium-payment-hipp-program Phone: 1-800-440-0493 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

Continuation of Coverage Rights Under COBRA Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Deer Park ISD group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Deer Park ISD plan after you have left employment with the company. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium. Plan Contact Information Deer Park ISD Human Resources 2800 Texas Ave Deer Park, TX 77536 832-668-7026

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

Important Legal Notices Your Rights and Protections Against Surprise Medical Bills 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. What is “balance billing” (sometimes called “surprise billing”)? When you see a doctor or other health care provider, you may owe certain outof-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-ofnetwork providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit. “Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an innetwork facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for: Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork 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 poststabilization services. Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed. If you get other services at these in-network facilities, out-of-network providers cannot balance bill you, unless you give written consent and give up your protections.

You are never required to give up your protections from balance billing. You also are not required to get care out-ofnetwork. You can choose a provider or facility in your plan’s network. When balance billing is not allowed, you also have the following protections: You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-ofnetwork providers and facilities directly. Your health plan generally must: •

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

•

Cover emergency services by outof-network providers.

•

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.

•

Count any amount you pay for emergency services or out-ofnetwork services toward your deductible and out-of-pocket limit.

If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/ nosurprises for more information about your rights under federal law.

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

Important Legal Notices New Health Insurance Marketplace Coverage Options and Your Health Coverage PART A: General Information Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options in your geographic area. Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings on your premium that you’re eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.

Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.1, 2

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

Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employmentbased coverage. Also, this employer contribution -as well as your employee contribution to 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. When Can I Enroll in Health Insurance Coverage through the Marketplace? You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15. Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.

Important Legal Notices There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage. Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit www.HealthCare.gov or call the Marketplace Call Center at 1-800-3182596. TTY users can call 1-855-8894325.

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 employment-based health plan (such as an employer-sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, 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. 3. Employer Name: Deer Park ISD 5. Employer Address: 2800 Texas Ave 6. Employer Phone Number: 832-668-7026 7. City: Deer Park 8. State: TX

10. Who can we contact at this job?: Cristal Soliz

Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https:// www.healthcare.gov/medicaid-chip/ getting-medicaid-chip/ for more details. How Can I Get More Information? For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact Human Resources. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

9. ZIP Code: 77536

11. Phone Number (if different from above): N/A 12. E-Mail Address: cssoliz@dpisd.org 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. Indexed annually; see https://www.irs.gov/pub/ irs-drop/rp-22-34.pdf for 2023.

An employer-sponsored or other employmentbased 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.

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

This brochure highlights the main features of the Deer Park 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. Deer Park ISD reserves the right to change or discontinue its employee benefits plans anytime.