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2026/27 EMPLOYEE BENEFITS

Working towards wellness

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

What’s Inside

Welcome

Important Contacts

How to Enroll

Eligibility

Qualifying Life Events

Medical Coverage

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

Telemedicine

Health Care Options

Advanced Lab Tests and Health Screenings

Prescription Savings

Preventive Care

Benefits Assistance

Health Savings Account

Flexible Spending Accounts

Qualified HSA and FSA Expenses

HSA and FSA Comparison

Dental Coverage

Vision Coverage

Your Benefits Plan Year

Life and AD&D Insurance

September 1, 2026 - August 31, 2027

Individual Life Insurance

Educator Disability Insurance

Hospital Indemnity Insurance

Critical Illness Insurance

Cancer Insurance

Employee Assistance Program

Retirement Plans

Glossary of Terms

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

Availability Of Summary Information Coverage details for medical and supplemental plans are available on the benefits website and may be viewed at www.mybenefitshub.com/irvingisd.

Your Open Enrollment July 6 - August 7, 2026

Flip to... 4

How to Enroll

FAQ

Medical Benefits

Important Contacts Irving ISD Benefits Irving ISD 972-600-5241 hr-benefitsandleaves@irvingisd.net

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

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

Prescription Savings Clever RX Group ID 1085 / Member ID 1807 800-873-1195 www.cleverrx.com/irvingisd

Health Savings Account EECU 800-333-9934 www.eecu.org

Flexible Spending Accounts

Dental Cigna Group #3337017 Total Cigna DPPO Network Cigna Dental Care DHMO Network 800-244-6224 www.mycigna.com

Vision Superior Vision Group #30980 Superior Vision Network 800-507-3800 www.superiorvision.com

Life/AD&D New York Life Life Group #FLX-964086 AD&D Group #OK965703 800-362-4462 www.newyorklife.com

Individual Life 5 STAR. 866-863-9753 https://5starlifeinsurance.com/

Through August 31, 2026 Higginbotham 866-419-3519 https://flexservices.higginbotham. net

Educator Disability

Flexible Spending Accounts

Hospital Indemnity

After August 31, 2026 National Benefit Services (NBS) 800-274-0503 www.nbsbenefits.com

New York Life Group #SLH10016 800-362-4462 www.newyorklife.com

Cigna Group #HC960777 800-754-3207 www.cigna.com

Critical Illness New York Life 800-362-4462 www.mynylgbs.com

Cancer Insurance Chubb Group #1000000223 888-499-0425 educatorclaims@chubb.com

Employee Assistance Program New York Life 800-344-9752 WEB ID #NYLGBS www.guidanceresources.com

457(b) Retirement Plan TCG Administrators 800-943-9179 www.tcgservices.com

403(b) Retirement Plan NBS 800-274-0503 www.nbsbenefits.com

Benefits Assistance Higginbotham Public Sector 833-900-1491 irvingisd@hps.higginbotham.net

Working Towards Answers

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

Enrollment Benefits Eligibility Claims and Billing

Call or text 833-900-1491 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 irvingisd@hps.higginbotham.net. Bilingual representatives are available.

Go to www.mybenefitshub.com/irvingisd. Scan the QR code below.

2. Click Login. 3. Log in with Microsoft. 4. If you need assistance, contact Irving ISD Tech Support at 972-600-5260.

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

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

How to Enroll Enrollment FAQs What if I miss the enrollment deadline? You may only enroll for, or change your benefits during OE, or if you have a QLE. Contact your Benefits Office for additional guidance. Is there an age limit for dependents to be covered under my benefits? You may cover dependents up to age 26 on most benefit plans, but there are exceptions. See the Eligibility section for more details.

Where do I find benefit summaries and forms? To access plan documents and forms, go to the Benefit Information tab at www.mybenefitshub.com/irvingisd. Click on each benefit (e.g., medical, vision, etc.) for details. How do I find an in-network provider? Access www.mybenefitshub.com/ irvingisd and click on the benefit plan for the provider you need to find. Click on the Provider Search tab to find provider search links.

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 a card for dental and vision plans. Simply give your provider the insurance company’s name and phone number to verify benefits. You can also print a temporary card by visiting the insurance company’s website.

BENEFIT QUESTIONS? Call 833-900-1491 for Higginbotham Public Sector.

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 my family — a spouse or a dependent — as dependents on my benefits if we work for the same employer? Some benefits may not allow you to do this if you work for the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for spouse and dependent eligibility.

Are there FSA/HSA limitations for married couples? Yes, generally. Married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses, then you and your spouse are not HSA-eligible – even if you would not use your spouse’s FSA to reimburse your expenses. Contact the FSA and/or HSA provider before you enroll or reach out to 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 an FSA and HSA.

Eligibility Who is Eligible for Benefits You are eligible for coverage if you are a regular, full-time employee. You may only enroll for coverage when: You are a new hire

It is OE

Status

New Hire

Who is Eligible

• Regular, full-time employee • Working an average of 20 hours per week

You have a QLE

Employee • Regular, full-time employee • Working an average of 20 hours per week

• Your legal spouse • Child(ren) under age 26 regardless of student, dependency, or marital status • Child(ren) over age 26 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

• Enroll by the deadline given by Benefits Office

• Enroll during OE or when you have a QLE

• You must enroll the dependent(s) during OE or when you have a QLE • When covering dependents, you must enroll for and be on the same plans • Dependents cannot be double-covered by married spouses within the district as both employees and dependents

When Coverage Starts

• First of month following or coincident with date of hire

• OE: Start of the plan year • QLE: Ask Human Resources

• Based on OE or QLE effective dates

About Your Coverage Effective Date You must be actively at work on the date your coverage becomes effective. Your coverage must be in effect for your spouse’s and eligible children’s coverage to take effect. See plan documents for specific details.

See Important Limitations and Exclusions section.

Dependent(s)

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

Maximum Dependent Eligibility Age by Plan

TO AGE 26

Medical, Telemedicine, Dental, Vision, Life and AD&D, Cancer, Hospital Indemnity, and Critical Illness

Qualifying Life Events You may only change coverage during the plan year if you have a Qualifying Life Event, such as:

Marriage

Birth

Judgement or Decree

Divorce

Adoption

Annulment

Placement for adoption

Becoming eligible for Medicare and Medicaid

Death of spouse

Change in benefits eligibility

Receiving a Qualified Medical Child Support Order

Gain or loss of benefits coverage Change in employment status affecting benefits

Death of child

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

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

Find an In-Network Provider Visit www.bcbstx.com/trsactivecare. Call 866-355-5999.

Medical Provider:

All TRS-Active participants may enroll in one of the following plans: Watch and learn more!

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

Irving ISD contributes $506 per month to employees’ premiums. This is the highest contribution amount in the Metroplex, based on the UAE annual comparison.

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

TRS Region 10 Monthly Medical Rates TRS-ActiveCare Primary

TRS-ActiveCare Primary+

TRS-ActiveCare HD

TRS-ActiveCare 2

12 Pay Rates – Professional and Paraprofessional Irving ISD contributes $506 per month Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

Total Premium

Employee Cost

Total Premium

Employee Cost

Total Premium

Employee Cost

Total Premium

Employee Cost

$614.00 $1,658.00 $1,044.00 $2,088.00

$108.00 $1,152.00 $538.00 $1,582.00

$722.00 $1,878.00 $1,228.00 $2,383.00

$216.00 $1,372.00 $722.00 $1,877.00

$628.00 $1,696.00 $1,068.00 $2,136.00

$122.00 $1,190.00 $562.00 $1,630.00

$1,013.00 $2,402.00 $1,507.00 $2,841.00

$507.00 $1,896.00 $1,001.00 $2,335.00

24 Pay Rates – Facilities Services and Operations Irving ISD contributes $253 per pay period Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

Total Premium

Employee Cost

Total Premium

Employee Cost

Total Premium

Employee Cost

Total Premium

Employee Cost

$307.00 $829.00 $522.00 $1,044.00

$54.00 $576.00 $269.00 $791.00

$361.00 $939.00 $614.00 $1,191.50

$108.00 $686.00 $361.00 $938.50

$314.00 $848.00 $534.00 $1,068.00

$61.00 $595.00 $281.00 $815.00

$506.50 $1,201.00 $753.50 $1,420.50

$253.50 $948.00 $500.50 $1,167.50

Total Premium

Employee Cost

Total Premium

Employee Cost

Total Premium

Employee Cost

Total Premium

Employee Cost

$433.41 $1,170.35 $736.94 $1,473.88

$76.24 $813.18 $379.76 $1,116.71

$509.65 $1,325.65 $866.82 $1,682.12

$152.47 $968.47 $509.65 $1,324.94

$443.29 $1,197.18 $753.88 $1,507.76

$86.12 $840.00 $396.71 $1,150.59

$715.06 $1,695.53 $1,063.76 $2,005.41

$357.88 $1,338.35 $706.59 $1,648.24

17 Pay Rates – Food Service and CAOs Irving ISD contributes $357.18 per pay period Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

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

TRS-ActiveCare

PLAN HIGHLIGHTS 2026-27

Except Arlington ISD TRS is committed to accessibility. If you have trouble accessing this content, contact TRS at WebAccessibility@trs.texas.gov to request an alternative format.

LEARN THE TERMS • PREMIUM: The monthly amount you pay for health care coverage. • DEDUCTIBLE: The annual amount for medical expenses you’re responsible to pay before your plan begins to pay. • COPAY: The set amount you pay for a covered service at the time you receive it. The amount can vary based on the service. • COINSURANCE: The portion you’re required to pay for services after you meet your deductible. It’s often a specified percentage of the costs; e.g., you pay 20% while the health care plan pays 80%. • TIERING: Grouping doctors and facilities into tiers based on quality, cost and best practice clinical guidelines. This helps you compare choices. Tier 1 providers and facilities offer top performance and best value. You pay less when you choose Tier 1 and may pay more when you choose Tier 2. • OUT-OF-POCKET MAXIMUM: The maximum amount you pay each year for medical costs. After reaching the out-of-pocket maximum, the plan pays 100% of allowable charges for covered services. 765391.0226

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

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

Total Monthly Premium Your Employer Contribution

Plan Summary

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

Monthly Premiums

Total Premium Employee Only

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.*

Employer Contribution

Your Premium

$614

TRS

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

Total Premium $722

Employee and Spouse

$1,658

$1,878

Employee and Children

$1,044

$1,228

Employee and Family

$2,088

$2,383

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

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

$8,050/$16,100

PCP Required

Yes

Primary Care

$30 copay

Specialist

$70 copay

Urgent Care

$50 copay

Doctor Visits

* Eligibility rules may apply.

See the Annual Enrollment Guide for more details.

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

Immediate Care Emergency Care

You pay 30% after deductible

TRS Virtual Health-RediMDTM

$0 per medical consultation

TRS Virtual Health-Teladoc®

$12 per medical consultation

Integrated with medical

$200 deduc

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

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

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

You pay 30% after deductible

You pay You pay

Non-preferred

You pay 50% after deductible

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

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

You pay

Insulin Out-of-Pocket Costs

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

$ $

Aug. 31, 2027

Each includes a wide range of wellness benefits.

S-ActiveCare Primary+

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

Employer Contribution

Your Premium

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

TRS-ActiveCare HD

TRS-ActiveCare 2

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

Employer Contribution

Total Premium

Your Premium

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

Employer Contribution

Total Premium

$628

$1,013

$1,696

$2,402

$1,068

$1,507

$2,136

$2,841

Your Premium

In-Network Coverage Only

In-Network

Out-of-Network

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 20% after deductible

You pay 30% after deductible

You pay 50% after deductible

You pay 20% after deductible

You pay 40% after deductible

$6,900/$13,800

$8,300/$16,600

$20,500/$41,000

$7,900/$15,800

$23,700/$47,400

Yes

$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

You pay a $250 copay plus 20% after deductible

ou pay 20% after deductible

You pay 30% 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

ctible per participant (brand drugs only)

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

$20/$45 copay

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

$15/$45 copay

You pay 25% after deductible

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

You pay 50% after deductible

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

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

You pay 20% after deductible

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

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

You pay 25% after deductible

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

Telemedicine Irving ISD provides eligible employees and their families access to telemedicine and behavioral health through Recuro. Connect anytime day or night with a board-certified doctor via your mobile device or computer for free!

Registration is Easy Elect Recuro for yourself and dependents during OE. After September 1, register with Recuro so you are ready to use this valuable service when and where you need it. Visit www.recurohealth.com.

Telemedicine Provider:

Call 855-6RECURO (673-2876). Download the Recuro Care app.

While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care and: Have a non-emergency issue and are considering an after hours health care clinic, urgent care clinic, or emergency room for treatment Are on a business trip, vacation, or away from home Are unable to see your primary care physician

Watch and learn more!

When to Use Telemedicine Use telemedicine for minor conditions such as: Sore throat

Allergies

Headache

Fever

Stomachache

Urinary tract infections

Telemedicine is provided by Irving ISD to all employees at no additional cost.

Cold/flu

Recuro Behavioral Health Managing stress or life changes can be overwhelming but it’s easier than ever to get help right in the comfort of your own home. Talk to a licensed counselor or psychiatrist by phone, secure video, or app from your home, office, or on the go! Recuro offers affordable, confidential online therapy for a variety of counseling needs.

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

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

Working towards Health

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

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 TELEMEDICINE

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

Allergies Cough/cold/flu Rash Stomachache

with Recuro

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.

Advanced Lab Tests and Health Screenings New! Function Membership 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.

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

Carrier:

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.

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

Pancreas

Immunity

Prostate

Metabolics

Sexual Health

Hormones

Electrolytes

Nutrients

Thyroid

Heavy Metals

Autoimmunity

Liver

Urine

Kidneys

Blood

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.

The cost for an individual annual membership* is $335!

*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.

Prescription Savings Contact Clever RX Clever RX Benefits With Clever RX, you never have to overpay for prescriptions. When you use the Clever RX card or app, you get up to 80% off prescription drugs, discounts on thousands of medications, and usage at most pharmacies nationwide. Download the free Clever RX app and enter these numbers during the onboarding process:

1. BIN 020529 PCN CLEVR Group ID 1085 Member ID 1807

Use your ZIP code to find a local pharmacy with the best price for your medication — up to 80% off!

Click the voucher with the lowest price, closest location, and/or at your preferred pharmacy and show the voucher to the pharmacist.

QUESTIONS? For Clever RX, call 800-873-1195.

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

Visit www.cleverrx.com. Call 800-873-1195.

Preventive Care Check Out the Preventive Care You Can Get For $0! Your benefits plan offers $0 preventive care for every age and sex. 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. Visit https://www.healthcare.gov/coverage/preventive-care-benefits to review what types of services are covered under preventive care.

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

Preventive Care Coverage Includes Adults

Teens

Children

Cholesterol screening

Physical exam

Autism screening

Blood pressure screening

Blood tests for iron and cholesterol

Blood screening

Colorectal cancer screening

Anxiety screening

Depression screening

Lung cancer screening

Growth screening

Developmental screening

Hepatitis B screening

Hearing screening

Well visits

Hepatitis B screening

Obesity screening and counseling

Bone density screenings

Depression screening

Hypothyroidism screening

Obesity screening

Sexually transmitted infection prevention counseling

Behavioral assessments

Alcohol, tobacco, and drug use assessments

Immunizations

Diabetes Type 2 screening Depression screening Mammograms Cervical cancer screening

Well visits

Tuberculosis screening

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.

The insurance company has codes that must be met on the doctor’s bill for it to be processed as preventive and covered at 100 percent. 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.

Benefits Assistance We all have questions. Higginbotham Public Sector is available to help you with questions about:

Enrollment

Benefits Information

Claims and Billing

Eligibility Issues

833-900-1491 irvingisd@hps.higginbotham.net Call or text with a bilingual representative 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 your questions or requests at anytime.

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

Health Savings Account

Watch and learn more!

The HSA is a type of personal savings account that helps pay for current and future health costs and supplements retirement savings.

Maximum HSA Contributions 2026: $4,400 Individual/$8,750 Family 2027: $4,500 Individual/$9,000 Family If age 55 or older, you can contribute an extra $1,000.

HSA Administrator:

HSA Eligibility Open and contribute to an HSA if you are: An HSA is a type of personal savings account that is yours to keep. The money in your HSA grows tax-free and spends tax-free if used to pay for qualified medical expenses. Any unused funds roll over year after year.

Two Ways To Use Your HSA Use it Now

Let it Grow

Make annual HSA contributions. Pay for eligible medical costs. Keep HSA funds in cash.

Make annual HSA contributions. Pay for medical costs with other funds. Invest HSA funds.

Triple Tax Savings

1. Tax-free contributions

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 FSA 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

Important HSA Information Have your doctor file your claims and use your HSA debit card to pay any balance due. Keep ALL reimbursement records and receipts for tax records. Only HSA accounts opened through our plan administrator are eligible for automatic payroll deductions. Get automatic payroll deductions by opening your HSA through our plan administrator.

2. Tax-free growth HSA Contacts

3. Tax-free withdrawals

Visit www.eecu.org. Call 817-882-0800 for Customer Service. Call 800-333-9934 for a lost/stolen card. Download the EECU Mobile Banking app.

Flexible Spending Accounts

Watch and learn more!

An FSA allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses. CURRENT PLAN YEAR September 1, 2025 through August 31, 2026

FSA Administrator:

NEW FOR 2026

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

Prescription copays

Medical deductibles and coinsurance

Hearing aids and batteries

You may not contribute to a Health Care FSA if you enrolled in a High Deductible Health Plan (HDHP) and contribute to an HSA.

HEALTH CARE FSA DEBIT CARD The NBS FSA debit card gives you immediate access to your Health Care FSA funds. You do not need to file a claim when you make a purchase with your debit card. You can only use your debit card for qualified Health Care FSA expenses. Claims must be submitted for Dependent Care FSA expenses.

IMPORTANT RULES You cannot change your election during the year unless you experience a QLE. Funds allocated to the Health Care FSA/Dependent Care FSA must be used during the plan year or are forfeited. Irving ISD does offer a 75-day grace period. Benefit elections roll annually; changes must be made during OE.

NOTE

You may file claims incurred during the plan year for another 90 days.

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

The FSA administrator is changing to NBS effective September 1, 2026. Employees should spend their balance before August 31, 2026, as Higginbotham debit cards will be turned off after this date. Paper claims may be sent to Higginbotham for reimbursement but must be processed by November 30, 2026, or are forfeited. Contact Higginbotham FSA with questions concerning current account balances or current plan year: Call 866-419-3591. Email flexclaims@higginbotham.net. Visit https//flexservices. higginbotham.net. New debit cards will be mailed by NBS around September 1, 2026.

NBS Portal

Dependent Care FSA

The NBS Portal provides information and resources to help you manage your FSAs to:

The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full-time. You can use the account to pay for daycare or babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. 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.

Access plan documents and account information. Update your personal information. Look up qualified expenses. Submit claims. To register for an online portal account, visit https://mynbsbenefits.com, then click Register and follow the instructions. Once your registration is complete, you can then download the NBS Benefits Mobile app. Use the same username and password for both your portal account and app. The app makes it easy to manage your account and file claims.

QUESTIONS? Call 855-399-3035. Email service@nbsbenefits.com.

NBS Benefits Mobile App Download the NBS Benefits Mobile app to easily access your Health Care FSA information.

View your account balance View debit card activity File a claim and upload receipts Set up notifications

DEPENDENT CARE FSA GUIDELINES Overnight camps are not eligible for reimbursement (only day camps can be considered). If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13. You may request reimbursement 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 funds require claims submission; the debit card may not be utilized. Claims are not reimbursed until funds are available in the account, and after services are rendered. Claims submitted prior to occurrence date will be denied and need to be resubmitted once incurred. Dependent Care FSA enrollees may not also claim the childcare tax credit when filing federal taxes. You can only do one or the other.

Annual Maximum FSA Contributions 2026

Health Care FSA

Dependent Care FSA

Maximum

$3,400

$7,500 if filing jointly or head of household and $3,750 if married filing separately.

Run-out Period

90 days

Carryover

N/A

No carryover – use it or lose it

Grace Period

75-day grace period

No grace period

Evergreen

Elections roll annually, changes must be made during OE

HOW TO ACCESS YOUR FSA FUNDS OR GET REIMBURSED FOR THE 9/1/26 PLAN YEAR Use your NBS FSA Debit Card to pay for qualified expenses, doctor visits, and prescription copays (Health Care FSA only). Pay out-of-pocket and submit your receipts for reimbursement: Visit https://mynbsbenefits.com. Call 855-399-3035. Fax 844-438-1496. Email service@nbsbenefits.com. Download the NBS Benefits Mobile app. Mail National Benefit Services, LLC, P.O. Box 219393 Kansas City, MO 64121-9393

Access www.fsastore.com for thousands of FSA-eligible products and services that you can buy with your FSA debit card.

Qualified HSA and FSA Expenses The products and services listed below are examples of medical expenses eligible for payment under 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 a complete description of eligible medical and dental expenses.

Abdominal supports

Dermatologist

Operating room costs

Acupuncture

Diagnostic fees

Ophthalmologist/Optician/Optometrist

Ambulance

Eyeglasses

Orthopedic shoes

Anesthetist

Gynecologist

Orthopedist

Arch supports

Healing services

Osteopath

Artificial limbs

Hearing aids and batteries

Physician

Blood tests

Hospital bills

Postnatal treatments

Braces

Insulin treatment

Prenatal care

Cardiographs

Lab tests

Prescription medicines

Chiropractor

Metabolism tests

Psychiatrist

Crutches

Neurologist

Therapy equipment

Dental treatment

Nursing

Wheelchair

Dentures

Obstetrician

X-rays

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

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

Health Savings Account

Flexible Spending Account

Internal Revenue Code

Section 223

Section 125

Description

An HSA is an actual bank account in your name that allows you to save and pay for unreimbursed qualified medical expenses tax-free.

An FSA allows you to pay out-of-pocket expenses tax-free for: • copays, deductibles, and certain services not covered by medical plan • qualifying dependent care

Employer Eligibility

A qualified High Deductible Health Plan

All employers

Contribution Source

You and/or your employer

Account Owner

Individual

Employer

Underlying Insurance Requirement

High Deductible Health Plan

None

2025 Insurance Plan Minimum Deductible

• $1,650 single • $3,300 family

N/A

Maximum Contribution

• $4,400 single • $8,750 family • $1,000 age 55+ catch-up

$3,400

Permissible Use of Funds

Use any way you wish. If used for non-qualified medical expenses, funds are subject to the current tax rate plus a 20% penalty.

Reimbursement for qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.

Cash-Outs of Unused Amounts (if no medical expenses)

Permitted, but subject to current tax rate plus 20% penalty (waived after age 65).

Not permitted

Year-to-year rollover of account balance?

Yes, it will roll over to use for subsequent year’s health coverage.

No. Access to some funds may be extended if your employer’s plan contains a 2½-month grace period or $680 (2026) rollover provision.

Does the account earn interest?

Yes

Portable?

Yes, it is portable year-to-year and between jobs.

Flip to... 19

HSA

FSA

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.mycigna.com. Call 800-244-6224.

Dental Provider:

Networks: Total Cigna DPPO Cigna Dental Care DHMO

You have a choice of three plans: High DPPO Plan Low MAC DPPO Plan DHMO Plan

Watch and learn more!

DPPO Plan

DHMO Plan

Two levels of benefits are available with the DPPO plans: in-network and out-of-network. You may select 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, due to balance billing.

If you enroll in the DHMO plan, you will be assigned your initial primary care dentist (PCD) based upon ZIP code. You may change your PCD by contacting Cigna. With a DHMO, you get unlimited dental services, pay fixed copays, have no deductibles, and have no claim forms to file. NOTE: there is no coverage for services provided without a referral from your PCD or from out-of-network providers (except in a true emergency).

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

Dental Coverage Dental Benefits Summary High DPPO Plan1 In-Network Network Calendar Year Deductible • Individual • Family

Out-of-Network

Total Cigna DPPO

In-Network

Out-of-Network

Total Cigna DPPO

DHMO Plan In-Network Only Cigna Dental Care DHMO

$1,500

$750

Charges are fixed and not subject to annual maximums or deductibles under the DHMO plan.

You Pay

$50 $150

Policy Year Benefit Maximum Per individual

Low MAC DPPO Plan2

$50 $150

Class I: Diagnostic and Preventive Exams, cleanings, X-rays, fluoride treatments, sealants, space maintainers

$5 - $75

Class II: Basic Restorative Fillings, minor oral surgery, emergency care to relieve pain

20%3

30%3

Payment based on schedule

Class III: Major Restorative Crowns, dentures, bridges, periodontics, endodontics

50%3

Payment based on schedule

50% $1,000

50% 3 implants; $3,000

Not covered

Class IV: Orthodontia Child(ren) to age 19 Lifetime Maximum Class IX: Implants Policy Year Maximum

Payment based on schedule Payment based on schedule

Employee Monthly Premiums Employee Employee + Spouse Employee + Child(ren) Employee + Family

$40.81 $69.85 $97.21 $136.80

$28.00 $48.01 $66.79 $93.98

$16.04 $32.08 $41.07 $45.09

For services provided by a non-network dentist, Cigna Dental will reimburse according to the Maximum Reimbursable Charge. The MRC is calculated at the 90th percentile of all provider submitted amounts in the geographic area. The dentist may balance bill up to their usual fees. 1

For services provided by a non-network dentist, Cigna Dental will reimburse according to the Maximum Allowable Charge. The dentist may balance bill up to their usual fees.

The amount you will pay after your deductible has been met.

Vision Coverage Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems.

Vision Provider:

Find an In-Network Provider Visit www.superiorvision.com. Call 800-507-3800. Group #30980. Download the Superior Vision app.

Network: Superior National

You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers. Watch and learn more!

Vision Benefits Summary Vision Plan In-Network You Pay

Out-of-Network Reimbursement

Copays • Exam • Materials • Contact lens fitting

$10 $15 $25

Exam

Up to $42

$0 $0 $0 See plan for details $0

Up to $32 Up to $46 Up to $61 Up to $61 Not covered

Not covered

20% off balance over $140 allowance

Up to $68

Lenses • Single vision • Bifocal • Trifocal • Progressives • Polycarbonate for eye dependent children • Factory scratch coat Frames Contacts In lieu of frames and lenses • Fitting and evaluation • Conventional contacts • Disposable contacts

Covered in full 20% off balance over $140 allowance 10% off balance over $140 allowance

Employee Monthly Premiums Employee Employee + Spouse Employee + Child(ren) Employee + Family

Not covered Up to $100 Up to $100

ID Cards If you need a vision ID card, you can get one by calling Superior Vision Customer Service, registering for an account, or downloading the app.

Benefit Frequency Exam – Once every 12 months Lenses – Once every 12 months Frames – Once every 12 months Contacts – Once every 12 months

$7.98 $15.76 $15.44 $23.50

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

Life and AD&D Insurance

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

Life and AD&D Provider:

Working towards Security

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).

Basic Term Life Irving ISD provides basic life to eligible employees at no cost to you! You are automatically covered at $12,000 for this benefit.

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 at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).

Life and AD&D Insurance Voluntary Group Term Life If you need more coverage than Basic Term Life and AD&D, you may buy Term Life for yourself and your dependent(s). If you leave the district, you may be able to take your insurance with you. New Hires may be eligible for Guaranteed Issue coverage; that means no health questions. A minimum election of $10,000 reserves the Guaranteed Issue for future enrollments. If you decline Voluntary Life insurance when first eligible and wish to elect at a later date, Evidence of Insurability – proof of good health – may be required before coverage is approved.

Voluntary Accidental Death & Dismemberment Accidental Death & Dismemberment is separate from your Basic and Voluntary Life Insurance coverage. AD&D is a very inexpensive form of life insurance that can give you additional protection in the event of an accidental death or dismemberment. The full amount of AD&D coverage you select is called the Full Amount and is equal to the benefit payable for the loss of life. Benefits for other losses — such as loss of sight, speech, or hearing; coma; or paralysis — are payable as a predetermined percentage of the full amount.

Please contact the Irving ISD Benefits office at 972-600-5431 for assistance in filing a life claim.

Voluntary Term Life Insurance Employee

• Increments of $10,000 up to five times basic annual earnings not to exceed $500,000 • New Hire Guaranteed Issue $250,000 • OE Guaranteed Issue $250,000

Spouse

• Increments of $5,000 up to 100% of employee amount, not to exceed $250,000 • New Hire Guaranteed Issue $50,000 • OE Guaranteed Issue $50,000

Child(ren)

• Birth to six months – $500 • Six months to age 26 – $5,000 or $10,000 • Guaranteed Issue $10,000 Voluntary Term Life Monthly Rates

Age

Employee Rate per $10,000

Spouse Rate per $5,000

<30

$0.400

$0.200

30-34

$0.550

$0.280

35-39

$0.600

$0.300

40-44

$1.000

$0.500

45-49

$1.600

$0.800

Child(ren) Rate per $5,000 To age 26

$1.250

Voluntary AD&D Insurance Employee

• Increments of $10,000, not to exceed $500,000.

Spouse

• Up to 100% of employee amount to a maximum of $300,000 (if no dependent children).

Child(ren)

• Up to 10% of employee amount to a maximum of $30,000 (if no spouse). Voluntary AD&D Rates per $10,000

Employee Employee + Spouse Employee + Child(ren) Employee + Family

$0.17 $0.25 $0.28 $0.32

Supplemental Coverage Highlights Portable – keep your supplemental coverage if you leave your current employer. Convertible – convert your group term life insurance benefits to an individual whole life policy if your coverage ends. Reduction of Benefit – Employee benefit amount reductions begin at 65. Spouse voluntary life ends at 70. Some limitations and exclusions apply, so see the plan documents for details.

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

Individual Life Insurance Help protect your family with the Family Protection Plan Group Level Term Life Insurance to age 121.

You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children and grandchildren (14 days to 26 years old). The coverage lasts until age 121 for all insured if premiums are paid, so no matter what the future brings, your family is protected.

Individual Life Insurance Provider: Individual Life Insurance Employee

• New Hire Guaranteed Issue $150,000 • OE Guaranteed Issue $150,000

Spouse

• New Hire Guaranteed Issue $50,000 • OE Guaranteed Issue $50,000

Child(ren)

• Guaranteed Issue $10,000

Individual Life Insurance Highlights Why buy life insurance when you’re young?

Quality of Life benefit

Buying life insurance when you’re younger allows you to take advantage of lower premium rates while you’re generally healthy, which allows you to purchase more insurance coverage for the future. This is especially important if you have dependents who rely on your income, or you have debt that would need to be paid off.

Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax-favored basis for the following:

Portable

Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or

Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.

Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease, and other forms of senility, requiring substantial supervision.

Why is portability important?

How does Quality of Life help?

Life moves fast, so having a portable life insurance allows you to keep your coverage if you leave your school district. Keeping the coverage helps you ensure your family is protected even into your retirement years.

Many individuals who can’t take care of themselves require special accommodations to perform ADLs and would need to make modifications to continue to live at home with physical limitation. The proceeds from the Quality of Life benefit can be used for any purpose, including costs for in-facility care, home health care professionals, home modifications, and more.

Terminal illness acceleration of benefits Coverage pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).

Protection you can count on Within one business day of notification, payment of 50% of coverage or $10,000, whichever is less, is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.

Convenient

About the coverage The Family Protection Plan offers a lump-sum cash benefit if you die before age 121. The initial death benefit is guaranteed to be level for at least the first ten policy years. Afterward, the company intends to provide a nonguaranteed death benefit enhancement which will maintain the initial death benefit level until age 121. The company has the right to discontinue this enhancement. The death benefit enhancement cannot be discontinued on a particular insured due to a change in age, health, or employment status.

Easy payment through payroll deduction.

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

Watch and learn more!

File a Disability Claim Visit www.newyorklife.com. Call 800-362-4462. Group #SLH10016

Educator Disability Provider:

Educator Disability Benefits Begin The first number indicates the number of days you must be disabled due to Injury and the second number indicates the number of days you must be disabled due to Sickness.

0/71 14/141 30/301 60/60

Percentage of Earnings You Receive

Up to 66 2/3%

Maximum Weekly Benefit

Between $200 and $8,000

Maximum Benefit Period

Varies based on schedule selected and age at disability

Pre-existing Condition Exclusion

3/122

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. 1

Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months. If your disability is a result of a pre-existing condition, we will pay benefits for a maximum of eight weeks. 2

Disability Rates Visit www.mybenefitshub.com/irvingisd for rates.

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

Working towards Security

What is the best way to choose which disability plan option to enroll in? Your disability plan selection should be a two-step approach.

Step One: Choose your elimination period, or waiting period. This is how long you are disabled and unable to work before your benefit will begin. It will be displayed as two numbers, such as 0/7, 14/14, 30/30, 60/60, etc. The first number indicates the number of days you must be disabled due to Injury and the second number indicates the number of days you must be disabled due to Sickness. When choosing your elimination period, determine how long you could go without a paycheck. Choose your elimination period based on your answer. Note: Some plans will waive the elimination period if you choose 30/30 or less, and you are confined as an inpatient to the hospital for a specific time period. Review your plan details to see if this feature is available to you.

Step Two: Choose your benefit amount. This is the maximum amount of money you would get from the carrier on a monthly basis once your disability claim is approved by the carrier. When choosing your monthly benefit, consider how much money you need to pay your monthly bills. Choose your monthly benefit amount based on your answer.

Educator Disability FAQ 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. Does this plan have pre-existing condition limitations? Yes. Benefits are not payable for medical conditions for which you incurred expenses, took prescription drugs, received medical treatment, care or services (including diagnostic measures), during the three months just prior to the most recent effective date of insurance. Benefits are not payable for any disability resulting from a pre-existing condition unless the disability occurs after you have been insured under this plan for at least 12 months after your most recent effective date of insurance. However, the first eight weeks of disability will be waived from the Preexisting Condition Limitation clause. How long do benefits last? Once you qualify for benefits under this plan, you continue to receive them until you no longer qualify for benefits, or you reach the maximum benefit period allowed based upon age and type of disability. Benefits may be reduced by other sources. Consult plan documents for details. How do I file a claim? Call New York Life at 800-362-4462 to file a claim using Group #SLH10016.

Hospital Indemnity Insurance

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The Hospital Indemnity plans help you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay.

File a Claim Email hospitalcare@cigna.com. Call 800-754-3207. Group #HC960777

Hospital Indemnity Insurance Provider:

Unlike traditional insurance that pays a benefit to the hospital or doctor, these plans pay you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work. See the plan document for full details.

Hospital Indemnity Benefits Summary Plan 1

Plan 2

Hospital Admission (no elimination period) Limited to 1 day, 1 benefit(s) every 365 days.

$1,250

$2,500

Hospital Chronic Condition Admission (no elimination period) Limited to 1 day, 1 benefit(s) every 365 days.

$50

Hospital Stay (no elimination period) Limited to 30 days, 1 benefit(s) every 365 days.

$100

$200

Hospital Intensive Care Unit (ICU) Stay (no elimination period) Limited to 30 days, 1 benefit(s) every 365 days.

$200

$400

$100 per 24-hour period

$200 per 24-hour period

$100

$200

$17.42 $30.88 $28.58 $42.04

$34.38 $61.02 $56.54 $83.18

Hospital Observation Stay (24-hour elimination period) Limited to 72 hours. Newborn Nursery Care Stay Limited to 30 days, 1 benefit per newborn child. This benefit is payable to the employee even if child coverage is not elected.

Employee Monthly Contributions Employee Employee + Spouse Employee + Child(ren) Employee + Family

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

Critical Illness Insurance

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

The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-oftown treatments, special diets, daily living, and household upkeep costs. This coverage is portable. See the plan document for full details.

Critical Illness Provider:

Critical Illness Insurance Benefits Summary Critical Illness Insurance Plan Employee – $10,000, $20,000 or $30,000

Spouse – 100% of employee amount

Children – 50% of employee amount

Other Specified

Neurological

Covered Conditions Vascular Heart Attack, Stroke, Sudden Cardiac Arrest

100%

Coronary Artery Disease

50%

Major Organ Failure, End-Stage Renal Disease, Coma, Paralysis, Blindness, Loss of Hearing or Speech

Cancer

100%

Recurrence Benefit

100%

Heart Attack, Stroke, Coma, Major Organ Failure, Invasive Cancer

100%

Carcinoma in Situ

25%

Coronary Artery Disease

50%

Carcinoma in Situ

25%

Recurrence Period

90 days for critical illness; 180 days for cancer

2.5%

25%

Wellness Benefit

Invasive Cancer

Skin Cancer

Advanced Stage Alzheimer’s Disease, Amyotrophic Lateral Sclerosis (ALS), Parkinson’s Disease

Health Screening/ Wellness Benefit

$50 per covered individual

Employee* and Spouse Monthly Rates per $1,000 of Coverage Age

Rate

Age

Rate

Age

Rate

<20

$0.19

40-44

$0.47

65-69

$4.05

20-24

$0.19

45-49

$1.15

70-74

$4.05

25-29

$0.26

50-54

$1.15

75-79

$6.58

30-34

$0.26

55-59

$2.27

80-84

$6.58

35-39

$0.47

60-64

$2.27

85+

$8.08

* Child(ren) are included in the employee rate at 50% of employee benefit amount.

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 nonmedical 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!

A cancer diagnosis and treatment can be an emotionally and physically difficult time. Chubb is there to help support you by providing cash benefits paid directly to you. Benefits are paid if you are diagnosed with cancer, but also help cover many other cancer-related services such as doctor’s visits, treatments, specialty care, and recovery. However, there are no restrictions on how to use these cash benefits—so you can use them as you see fit. Cash benefits for every step of the way. Choose the right level of coverage during the enrollment period to better protect your family. The following is a sample of the benefits provided. See the plan document for full details, including pre-existing condition limitations and continuity of coverage.

Cancer Insurance Provider:

Cancer Insurance Benefits Summary Low Plan

High Plan

$100

Diagnosis of cancer

$5,000 – employee or spouse

$10,000 – employee or spouse

Hospital confinement

$300 per day, 31 days maximum; additional days $200

$300 per day, 31 days maximum; additional days $600

Hospital confinement ICU

$600 per day, 31 days maximum; additional days $600

$6,000 maximum per person, per year

$12,000 maximum per person, per year

$500, two per year

$5,000 $2,500 recurrence benefit

$10,000 $5,000 recurrence benefit

Lifetime maximum: 2 transplants per benefit First transplant: $3,000; additional: 50% First transplant: $300; additional: 50%

Lifetime maximum: 2 transplants per benefit First transplant: $6,000; additional: 50% First transplant: $600; additional: 50%

Surgical Treatment Benefits Surgery Skin cancer surgery, two per year

Up to $4,125 $100

Specialty Care Benefits Family member transportation Family member lodging Home health care

$100 per trip, 12 trip maximum $100 per day, 100 days maximum $100 per day, 30 days maximum

$100 per trip, 12 trip maximum $100 per day, 100 days maximum $300 per day, 30 days maximum

$13.64 $19.68 $24.76

$22.28 $38.32 $48.60

First cancer benefit (One per person, per calendar year)

Radiation therapy, chemotherapy, immunotherapy Medical Imaging Benefit Heart Attack or Stroke Benefit Cancer Treatment Benefits Bone marrow transplant Stem cell transplant

Employee Monthly Contributions Employee Employee + 1 Employee + Family

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

Employee Assistance Program Get 24/7 Support

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

Employee Assistance Program Provider:

Visit www.guidanceresources.com. Call 800-344-9752. Web ID #NYLGBS.

Get confidential counseling and support services from licensed professionals at little or no cost to help with:

Relationships Work-life balance Stress and anxiety Grief and loss Childcare and eldercare resources Substance abuse Addiction And more

Working towards Support

Retirement Plans When you consistently save money throughout your career, it lays a secure foundation for your retirement years.

To Enroll or Get More Details NBS Visit www.nbsbenefits.com. Call 855-399-0335.

Retirement Providers:

TCG Administrators Visit http://tcgservices.com. Call 512-600-5200.

We offer two plans to help with your retirement goals:

Maximum Contributions

A 403(b) plan is a U.S. tax-advantaged retirement savings plan available for public education organizations.

2026

2027*

$24,500

$25,000

Ages 50-59 & 64+

$8,000

Ages 60-63

$11,250

$11,750

Annual Maximum

A 457(b) plan is a tax-deferred compensation plan provided for employees of certain tax-exempt, governmental organizations, or public education institutions.

CATCH-UP

Plan Comparison

* Projected

403(b)

457(b)

What is a 403(b)?

What is a 457(b)?

A 403(b) plan is a retirement plan for certain employees of public schools, tax-exempt organizations, and ministers. Contributions are made under a Salary Reduction Agreement (SRA) with your employer. This agreement allows your employer to withhold money from your paycheck to be contributed directly into a 403(b) account for your benefit. Usually, you do not pay income tax on these contributions until you withdraw them from the account.

The 457(b) plan is a type of deferred-compensation retirement plan that is available for governmental employers. The employer provides the plan and the employee defers compensation into it on a pre-tax basis. For the most part, the plan operates similarly to a 401(k) or 403(b) plan. The key difference is that there is no penalty for withdrawal before the age of 59½ (but subject to income tax).

You have 35+ companies to choose from with a variety of investment types available (fixed annuity, fixed index annuity, variable annuity, investment advisory services, or mutual funds).

Irving ISD has selected one company to provide our employees with the 457(b) plan. TCG Administrators offers several investment options. Visit the website for a list of fees of service plan providers.

How to Enroll • Step 1: Set up your 403(b) account with an approved vendor • Step 2: Complete the SRA with NBS

• Complete the SRA with TCG Administrators There is no penalty for early withdrawal (upon separation of service).

There is an additional tax penalty on any funds withdrawn prior to retirement age.

You may enroll in a 403(b) and/or 457(b) anytime during the year!

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

Glossary of Terms Beneficiary – Who will receive a benefit in the event of the insured’s death. A policy may have more than one beneficiary. Coinsurance – Your share of the cost of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service, typically after you meet your deductible. Copay – The fixed amount you pay for health care services received. Deductible – The amount you owe for health care services before your health insurance begins to pay its portion. For example, if your deductible is $1,000, your plan does not pay anything until you meet your $1,000 deductible for covered health care services. The deductible may not apply to all services, including preventive care. Employee Contribution – The amount you pay for your insurance coverage. Employer Contribution – The amount your employer contributes to the cost of your benefits.

Explanation of Benefits (EOB) – A statement sent by your insurance carrier that explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, what portion of the claim is your responsibility, and information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review. Flexible Spending Account (FSA) – An option that allows participants to set aside pretax dollars to pay for certain qualified expenses during a specific time period (usually a 12-month period). Health Savings Account (HSA) – A personal savings account that allows you to pay for qualified medical expenses with pretax dollars. In-Network – Doctors, hospitals, and other providers that contract with your insurance company to provide health care services at discounted rates. Out-of-Network – Doctors, hospitals, and other providers that are not contracted with your insurance company. If you choose an out-of-network provider, you may be responsible for costs over the amount allowed by your insurance carrier.

Glossary of Terms Out-of-Pocket Maximum – Also known as an out-ofpocket limit. The most you pay during a policy period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount. The limit does not include your premium, charges beyond the Reasonable and Customary (R&C) Allowance, or health care your plan does not cover. Check with your health insurance carrier to confirm what payments apply to the out-of-pocket maximum. Prescription Medications – Medications prescribed by a doctor. Cost of these medications is determined by their assigned tier. Generic Drugs – Drugs approved by the U.S. Food and Drug Administration (FDA) to be chemically identical to corresponding brand name versions. The color or flavor of a generic medicine may be different, but the active ingredient is the same. Generic drugs are usually the most cost-effective version of any medication. Over-the-Counter (OTC) Medications – Medications typically made available without a prescription. Preventive Care – The care you receive to prevent illness or disease. It also includes counseling to prevent health problems.

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

Reasonable and Customary (R&C) Allowance – Also known as an eligible expense or the Usual and Customary (U&C). The amount your insurance company will pay for a medical service in a geographic region based on what providers in the area usually charge for the same or similar medical service. SSNRA – Social Security Normal Retirement Age.

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