DSISD Employee Benefits Package
2020-2021
Financial Services administered byNational Benefit Services (NBS)
Plan Sponsors and Third Party Administrators
Medical Benefits Provided through theTeacher Retirement System of Texas (TRS)
Medical Benefits Provided through the Texas Schools Health Benefits Program
Supplemental Benefits Provided through theRegion 20 Benefits Cooperative
Supplemental Benefits Administered byFinancial Benefit Services (FBS)
This presentation provides general information about
open enrollment and highlights of available benefits.
Benefit plan details are available in the
– FBS Benefits Guide
– FBS Benefits Portal
– TRS ActiveCare Enrollment Guide
– TSHBP Enrollment Guide
and through other links on the DSISD
DSISD’s Open Enrollment 2020 webpage.
2020 –2021 Benefits
3
Open Enrollment for 2020 - 2021
• July 15 through August 21
• Passive Enrollment for existing employees – Only
Employees with FSAs, Dependent Care Accounts, or those
wishing to make selection changes must re-enroll.
- It is a good idea to log in and review your benefit choices, and verify
that your address, contact information, dependents, and beneficiaries
are up-to-date.
• All new employees must enroll or decline benefits.
• Keep your ID Cards for non-medical plans if you are not making
plan changes. New Medical ID cards will be sent to all
participants at the address on file in the DSISD Benefits Hub.
• If your NBS debit card for HSA/HRA or FSA expires on 9/1/2020,
you will get a new card in early September. Your current card
will work until the first time you use the new card.
ALL enrollments are completed online through the
Benefits Hub. www.mybenefitshub.com/drippingspringsisd
4
Benefits for 2020 - 2021
DSISD Benefits
• $10,000 life insurance paid by DSISD
• District-paid Employee Assistance Program
(EAP) for all employees
• $300 per month District contribution to Health
Insurance premium
• $75 per month District contribution to a Health
Savings Account (HSA)
- For ActiveCare HD and TSHBP HD participants
• $900 per year District contribution to a Health
Reimbursement Arrangement (HRA)
- For ActiveCare 2, ActiveCare Primary or Primary +,
TSHBP Co-Pay, or Scott & White HMO participants
www.deeroakseap.com
5
Cafeteria Plan - Overview
• Menu of Benefits for a Customized Benefit
Package- All Benefits operate independently.
• Benefits paid with pre-tax dollars can reduce
your taxes
• Changes can be made to plan selections
outside of Open Enrollment only if you have a
Qualified Family Status Change, and if you
request the change within 30 days.
6
Medical Plan OptionsCafeteria Plan
Options
Pre-
Tax
7
TRS ActiveCare PlansBlue Cross and Blue Shield of Texas & Caremark RXhttps://www.bcbstx.com/trsactivecare
866-355-5999
TRS ActiveCare PrimaryTRS ActiveCare Primary +TRS ActiveCare HDTRS ActiveCare 2
Scott & White HMOhttps://trs.swhp.org/800-321-7947
TSHBP Alternative Medicalhttps://tshbp.org/
888-803-0081 Care Coordinator (July 2020)
Care Coordinator and Care Connect Program-https://tshbp.info/CCVideo
Physician Directory tool https://tshbp.info/HSNetwork
Pharmaceutical Drug Look-up tool https://tshbp.info/DrugPham
https://tshbp.info/EGuide2020
https://tshbp.info/PlanFlyer20-21
8
2020-2021 Monthly Medical Plan Premiums
Networks
BCBSTX Plans https://www.bcbstx.com/trsactivecare
ActiveCare HD Nationwide Network Plan
ActiveCare 2 Nationwide Network Plan
ActiveCare Primary or Primary +
(Must choose a Primary Care Physician and
get a referral for any Specialist. Must use Network Doctors and Facilities)
Statewide Network Plans
Scott & White HMO https://portal.swhp.org/#/search?networkC
ode=TRS&hideOptions=true
(Must use Network Doctors and Facilities.
Referrals not needed for Specialist visits.)
TRS-ActiveCare Participants Network
9
TSHBP Alternative Medical www.tshbp.info/HSNetwork
TSHBP HD or TSHBP Co-Pay
(Must use Network Doctors and Facilities.)
TRS-ActiveCare Participants Network
Medical Plan Tips
Preventive Care and Routine Prenatal care – covered at 100%
Mail order - for long-term maintenance meds.
Initially get two prescriptions from doctor (90 day and 30 day).
Brand name drugs will have added costs when generic is
available
MDLive – the telehealth provider for ActiveCare HD, TSHBP HD,
and Scott & White HMO – no charge for phone consultations888-365-1663
Teladoc – the telehealth provider for ActiveCare 2,and ActiveCare Primary or Primary + - No charge for
phone consultations 855-835-2362
ActiveCare Primary and Primary +, and TSHBP HD and TSHBP Co-Pay – Stay in-network – out-of-network services
are not covered
10
Health Savings Account (HSA)
• Automatic for ActiveCare HD and TSHBP HD
• $75 per month contribution by DSISD
($900 annually)
• Debit card - can be used to pay for qualified medical
expenses
• HSA funds accumulate from year to year; the money is yours
to keep
• Employees can also contribute to this account - employeecontributions are pre-tax and can be changed or stopped
at any time
• HSA participants can also choose a Limited Purpose FSA for
vision and dental expenses only
Cafeteria Plan
Options
Pre-
Tax
11
Health Reimbursement Arrangement (HRA)
• Automatic for ActiveCare Primary, ActiveCare
Primary +, ActiveCare 2, Scott & White HMO,
and TSHBP Co-Pay
• $900 funded by DSISD at the start of the school
year
• “Pre-paid” credit card - can be used to pay for
qualified medical expenses
• “Use it or lose it” – funds do not accumulate or
go with you if you leave the district
Cafeteria Plan
Options
Pre-
Tax
12
• Informational Medical Consultations via Telephone (Med information &
advice)
• Diagnostic Medical Telephone Consultations (Prescriptions, diagnosis etc.)
• Can be a time and money saver for employees
• Works with U.S. based doctors and pediatricians – via phone, email, or
video
• Available 24/7
Teladoc
855-835-2362
+ Included in TRS
ActiveCare and TSHBP plans
+ for ActiveCare Primary and
Primary +, ActiveCare 2, and TSHBP Co-Pay
+ only for those coveredon the plan.
Telehealth Plans –MDLive or TeladocCafeteria Plan
Options
Post-
Tax
MDLive
888-365-1663
+ Provided by DSISD for
ActiveCare HD and TSHBP HD(covers employee and alldependents listed with FBS)
+ Also part of Scott &White HMO coverage
(only for those covered
by the plan)
+ available on voluntary,
post-tax basis for all others.
13
Dental Plans - CIGNA
Three CIGNA Plan Options
• PPO High Plan – most expensive, higher
benefits, more flexibility
• PPO Low Plan – less expensive, lower benefit
level, will be balance billed for out-of-
network care
• DHMO – lowest cost, must pick a dentist,
in-network care only
www.cigna.com
1-800-244-6224 (24/7)
Cafeteria Plan
Options
Pre-
Tax
14
Dental Plan Premiums 2020-2021
Plan2020-21
Premium
Cigna PPO High Plan
Employee Only $35.81
Employee & Spouse $88.20
Employee & Children $96.70
Employee & Family $134.81
Cigna PPO Low Plan
Employee Only $17.94
Employee & Spouse $36.45
Employee & Children $41.91
Employee & Family $63.99
Cigna DHMO
Employee Only $11.98
Employee & Spouse $22.61
Employee & Children $25.51
Employee & Family $39.41
15
Vision Plan - Superior Vision
• Choose an Approved Provider from
Superior National network
• $10 Co-pay for Exam
• $25 Co-pay for Lenses & Frames
• Exam, Lenses, and Frames – every 12 months
• $120 Allowance for Contact Lenses
• $125 Allowance for Frames
• www.superiorvision.com
Cafeteria Plan
Options
Pre-
Tax
16
• Group Term Life (One America) – An
inexpensive way to add life insurance coverage
during your working years. DSISD provides $10,000
in life insurance.- Additional coverage available up to $500,000
- Max spouse coverage $500,000
- Children covered at $10,000
• AD&D (One America) – Accidental Death &
Dismemberment coverage offers a benefit for
bodily injury or death caused by accident
• Individual Life (5 Star Life) – Portable coverage,
term life up to age 121. Available Terminal Illness &
Quality of Life Rider
Life Insurance Plan OptionsCafeteria Plan
Options
Post-
Tax
17
• Income/ Paycheck Protection - pays you a benefit
should you be unable to work because of an
injury, illness, or pregnancy
• Post-Tax deduction
• Pre-Existing conditions – 3-month look back,
conditions excluded for one year
• Six waiting (“elimination”) period options
• Waiting period waived on 14- or 30-day options if
hospitalized 23 or more hours
Disability Plan - UNUMCafeteria Plan
Options
Post-
Tax
18
Reimbursement Plans - NBS
Administrator: National Benefit Services - NBS
Three Types of Accounts:
• Healthcare Flexible Spending Account (FSA)
- Not available for HSA participants
- Debit Card
• Limited Purpose FSA for Vision & Dental Only
- Only for HSA participants
- Debit Card
• Dependent Care Reimbursement Account
- District Childcare direct pre-tax deduction;
other childcare requires reimbursement process
All reimbursement plans are “Use it or Lose it” – no carryover from year to year.
Cafeteria Plan
Options
Pre-
Tax
19
• Guaranteed Issue, Portable Coverage
• Pays in Addition to Other Coverage
• In- and Out-of-Hospital Benefits
• Wellness Screening Benefits
• Helps with expenses for: surgical expenses, blood
plasma, platelets, physician & nurse charges,
hospital daily charges, radiation & chemotherapy
• Available riders for ICU and Critical Illness (heart-
attack & stroke)
Cancer Plan –American Public LifeCafeteria Plan
Options
Pre-
Tax
20
• Pays a lump sum benefit if a covered person is
diagnosed with a covered illness or condition
• Examples of covered illnesses/Conditions:
- Heart Attack
- Stroke
- Coma
- Organ failure
- Paralysis
• Guaranteed Issue
Critical Illness –AFLACCafeteria Plan
Options
Post-
Tax
21
Hospital Indemnity Plan - Aflac
• Daily Benefit for Covered Hospital, Critical Care, or
Rehab Facility Stays
• Hospital Admission (Benefit Per Confinement)
- $2,000 High Plan / $1,000 Low Plan
• Hospital Confinement (Benefit Per Day)
- $200 High Plan / $100 Low Plan
• Guaranteed Issue
• No Pre-Existing Condition Limitations
Cafeteria Plan
Options
Pre-
Tax
22
• Medical Expenses for Injuries
- $500 per occurrence
• Daily Hospital
• Ambulance
• Accidental Death & Dismemberment
Accident Plan –American Public LifeCafeteria Plan
Options
Pre-
Tax
23
• Provides ground or air medical emergency
transportation solutions
• Covers out‐of‐pocket medical transport cost
when insurance falls short
• No network, nationwide coverage (US and
Canada)
Emergency Transportation –MASACafeteria Plan
Options
Post-
Tax
24
Two levels of coverage:
Emergent Plan covers emergency transportation only Emergent Plus Plan covers emergency transportation, non-emergency
interfacility transportation, and repatriation (when hospitalized more than100 miles from your residence).
Identity Theft Protection
• Identity Monitoring
• Cyber Monitoring
• Non-Credit Loan Monitoring
• Address Monitoring
• 100% Resolution Guarantee
Identity Theft Plan – ID WatchdogCafeteria Plan
Options
Post-
Tax
25
How to Enroll/Select Benefits
• Online enrollment system
(www.mybenefitshub.com/drippingspringsisd)
• New and Returning Employees – 4 Options:
- Self-enroll online
- Call FBS at 1-866-914-5202 for assistance
- Set up a 20-minute appointment on the FBS
Scheduler. DSISD Preferred days are July 15th
& 28th and August 5th, 10th, 14th and 17th.
- Contact Susan Winkler, Local FBS Rep, for
assistance via phone or Zoom.
26
FINANCIAL BENEFIT SERVICESYour Total Benefit Solution
Susan Winkler
Benefits Consultant
512-535-4989
27