DE DESO SOTO I ISD 2020 2020-21 E EMPLOYEE YEE BEN ENEF EFITS Benefits Plan Year September 1, 2020 – August 31, 2021
Eligibility & Enrollment ELIGIBILITY • Must be actively at work on the plan effective date for new benefits to be effective. ENROLLMENT • New Hires have 31 days from your date of hire to make benefit elections. Remember , after 31 days, you will not be able to make a change to your benefits unless you have a Qualifying Life Event. If you are eligible for benefits, but wish to DECLINE coverage, please complete the online enrollment either on your work or home computer. Under each option, you will need to select “waive.” You must still complete the beneficiary information.
How t w to Enroll Social Security Numbers and dates of birth for all Spouses and eligible Dependents Any Status/Life Event or address changes Questions about available benefits Look over the new medical plan changes and options. If choosing the TRS Primary or Primary+ Plans you will need to search for your Doctor with this link www.bcbstx.com/trsactivecare Have the 10 digit PCP number ready to input into the system. Sign up to receive a call from your FFGA Representative by visiting, https://desotoisd.timetap.com/ • To view available times please click “next” at the bottom right of the first 3 pages • You will then arrive at a page with a calendar showing dates with availability to schedule your call • Select the day you would like to speak with a First Financial Representative • Then select a morning or afternoon appointment window. (Please note: You are scheduling to receive a call at some point within your requested window) • Once you have made your selection, click “Next” and enter your contact information • When you are done, click “Save”. Please wait until you receive email confirmation that your appointment was scheduled
TRS-ActiveCare Plans have a new administrator! BlueCross BlueShield of Texas will be replacing Aetna as the plan administrator on Sept. 1, 2020. Please visit the participant website for information on the new plan designs and new provider networks. www.bcbstx.com/trsactivecare
TRS-ActiveCare introduces the NEW Primary Plan and the Primary+ Plan (formerly the Select Plan)! Primary+ Primary Both plans offer affordable co-pays. These do NOT offer Out-of-Network benefits, so you MUST choose a Primary Care Physician (PCP) and only go to providers in the statewide network.
HD TRS-ActiveCare Plan Options HD is a PPO plan with a Nationwide network. You do NOT need a PCP on these plans. They do both offer Out-of-Network benefits, but you will save money by staying in network. HD is the only TRS- ActiveCare plan that is HSA eligible, as it does meet the IRS definition of a High Deductible Health Plan.
Baylor Scott & White HMO • Copays for doctor visits and generic prescriptions before you meet deductible • In-Network only – no out-of-network benefits
TRS M Medical al Plan an Prescription Be Benefits When you enroll in a BCBSTX Plan, you automatically receive prescription drug coverage through CVS Caremark which gives you access to a large, national network of retail pharmacies.
BCBSTX App Support for YOU See claims and EOB’s Personal Health Guides Live Chat TRS Virtual Health Choices “Ask Emma” New decision support tool TRS RS-Ac ActiveC eCare Reso esource ces s
TRS-ActiveCare Rates
- Ameritas - Ameritas VSP Dental insurance can greatly reduce your costs when it comes Here are just a few of • Eye exams to preventative, restorative, and emergency procedures. • Eyeglasses the areas where you • Contact lenses LOW PLAN: will save money with • Eye surgeries • TYPE 1: Preventative – 100% w/$10 copay • Vision correction your plan! TYPE 2: Basic – 80% w/Deductible - $50 copay • Annual Max - $1,000/per participant Highlights: • No coverage for Major services; No orthodontia • Richer benefits with in-network provider • $10 co-pay for eye exam HIGH PLAN: • • $10 co-pay for eyeglasses or contacts TYPE 1: Preventative – 100%; TYPE 2: Basic – 80%; • $150 frame allowance OR TYPE 3: Major – 50% • • Deductible - $50; Annual Max - $1,500/per participant $150 contact lens allowance • ORTHODONTIA – Adult & Child coverage up to $1,000 max • New frames every 12 months Monthly Rates Low Plan High Plan Employee Only $24.36 $35.03 Monthly Rates Emp & Spouse $47.80 $72.27 Employee Only $8.95 Emp & Child(ren) $64.12 $79.50 Emp & Family $22.37 Emp & Family $85.36 $115.63
Have you ever wondered what would happen to your income if you had an - AFA accidental injury, sickness, or pregnancy? Disability coverage replaces a portion of income for the period of time you are unable to work due to accident or illness. You are able to choose the benefit amount, which is the amount of your income to replace, and the waiting period that you begin receiving payments. Consider these questions when making your decision: How much employer leave do you have? Do you have adequate savings for a lengthy period without income? Do you have other income you can rely on, such as from your spouse or from child support? How close are you to retirement? Could you go on Social Security Disability or take a Disability • Guaranteed issue this year , but any new or enhanced coverage has a 24 month pre-existing condition Retirement? limitation What are your other sources of income? • See rate chart: https://benefits.ffga.com/desotoisd/
Why Accident Insurance? - AFA The costs associated with an injury can add up. Between hospital visits, exams and treatment, out-of-pocket costs could put you in a financial hardship. An accident plan pays benefits directly to you so you can determine where to spend the money. It’s comforting to know that an accident insurance policy can be there through all stages of your care, from initial treatment to follow-up care. MONTHLY RATES Basic Plan Enhanced Plan Employee Only $19.90 $26.10 Employee & Spouse $28.30 $34.90 Employee & Child(ren) $31.50 $41.00 Employee & Family $39.90 $49.80
- Aflac Covered Critical Illnesses: If you’ve heard of cancer, heart attacks, strokes, organ • Cancer transplants or paralysis, then you’re familiar with critical • Heart Attack illness. It’s likely you or someone you know has experienced one of these life-altering events. Often times, a critical • Stroke illness has a powerful impact on people’s lives, affecting • Major Organ Transplant their livelihood and finances. • Bone Marrow Transplant Plan pays a lump-sum benefit amount of $5,000 or $50,000, based • Alzheimer’s Disease on the plan you select. • Kidney Failure Spouses & Child(ren) are eligible for 50% of the employee benefit • Skin Cancer – Partial Benefit amount. • Coronary Artery By-Pass $100 Health Screening Benefit for each covered participant per year. • 22 Other Listed Conditions – Partial NO Pre-Existing Condition exclusions! Benefit Rates for all plans are listed at https://benefits.ffga.com/desotoisd/
- BCBSTX EMPLOYER PAID TERM LIFE INSURANCE DeSoto ISD provides all eligible employees a $10,000 basic life plan. The cost of this policy is paid for 100% by your employer . This is a term life policy that is in effect while you are employed. VOLUNTARY TERM LIFE INSURANCE In addition to the policy provided by the district, you can purchase additional term life insurance through Blue Cross Blue Shield of Texas. Voluntary Term life premiums are “age-banded” and will increase as you age into the next 5-year age-band tier. This plan is portable, but rates may be higher than your current rates.
American Fidelity Assurance Company’s Term Life Insurance is a great option for your working and earning years when expenses are usually at their highest. With our Term Life Insurance, premiums will remain the same for the initial term period selected. The death benefit will not change for the life of the policy, and death benefits are generally paid tax free.
Easy to enroll life insurance with TEXAS LIFE INSURANCE - PERMANENT, PORTABLE LIFE coverage to age 121! INSURANCE The peace of mind voluntary, permanent life insurance provides is unmatched. It is a solid companion to your group life insurance plan. Texas Life provides life insurance that you can keep for a lifetime. Highlights: The plan is easy to purchase, pay for, and keep through the convenience of payroll • Portable – you can take it with you when you leave the district deduction. Coverage is affordable and and BONUS , unlike group term life insurance, your Texas Life dependable. Plus, Texas Life has over a century of experience protecting families policy rate locks in at the time of purchase! • and giving the peace of mind only Coverage to age 121 permanent life insurance can provide. • Coverage for child(ren) & grandchild(ren) up to $50,000 • Employees age 49 and under: eligible to receive up to $300,000 coverage; Express Issue • Employees age 50-65: eligible to receive up to $100,000 coverage; Express Issue • Spousal Express Issue coverage up to $50,000; varies based on spouse’s age
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