Benefits Available (Detailed Information)

TRS-ActiveCare Blue Cross and Blue Shield of Texas | Provider Website | 1-866-355-5999

Express Scripts | www.express-scripts.com/trsactivecare | 1-844-367-6108
When you enroll in one of the three medical plan options, you automatically receive prescription drug coverage through Express Scripts which gives you access to a large, national network of retail pharmacies.

Ameritas www.ameritas.com 1.800.487-5553

• Eye exams - Covered in full
• Frames every 24 months
• Contact lenses every 12 months
• Vision correction
• $180 for contacts or frames when using a network provider 

FFGA FSA Department - (866) 853-3539 - FSA Portal

A Health Flexible Spending Account (Health FSA) is an IRS-approved program to help you save taxes and pay for out-of-pocket medical expenses not covered under your medical plan. If your plan includes a grace period option, you have additional time to incur and claim against unused funds in the new plan year. Keep in mind that remaining balances after the grace period is exhausted will be forfeited under the use-it-or-lose-it rule.

Your maximum contribution amount for 2022 is $2,750.

• Contributions are automatically deducted from your paycheck on a pre-tax basis, which helps reduce your taxable income and increase your spendable income.
• Your full election will be available to you at the beginning of the plan year.
• Be conservative – any money left in your account at the end of the plan year with be forfeited.
• Use your benefits card to pay for qualified expenses upfront so you don’t have to spend money out of pocket.
• Keep all receipts in case you need to substantiate a claim for tax purposes

FFGA HSA Department - (866) 853-3539 - HSA Portal

A Health Savings Account (HSA) is a great way to help you control your healthcare costs. It works in conjunction with a qualified High Deductible Health Plan (HDHP) to combine tax-free savings earmarked for qualified medical expenses. An HSA allows you to set aside money to pay for higher deductibles associated with a lower monthly premium HDHP. The money you save in monthly insurance premiums is reserved for eligible medical expenses you incur in the future. Eligible expenses include things like co-pays and deductibles, prescriptions, vision expenses, dental care, therapy and medical supplies.

HIGHLIGHTS

• Balances roll over from year to year and earn interest along the way.
• Portable – you keep it even after you leave employment.
• Tax advantages – invest money in mutual funds to grow your tax savings for either future healthcare costs or retirement.
• Pay for expenses with a benefits debit card that gives you immediate access to your money at the time of purchase.
• Expenses also can be reimbursed through our online portal, online bill pay directly to your provider or submitting a distribution request form.

AETNA -  (800) 607-3366 - www.myaetnasupplemental.com

The Standard | www.standard.com | 1.866.851.2429

EMPLOYER-PAID TERM LIFE INSURANCE

Life insurance protects your loved ones. It pays a benefit so they can afford to pay for funeral expenses, pay off debt and maintain their current standard of living. It is one of the best ways to show you care. Your employer provides all eligible employees a $10,000. 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 and does not continue beyond employment with Sheldon ISD.

VOLUNTARY TERM LIFE INSURANCE

Voluntary life insurance is term life coverage you can purchase in addition to the basic life plan provided by your employer. It will cover you for a specific period of time while you are employed. Plan amounts are offered in tiers so you can choose the amount of coverage that works best for you and your family. Because it's a group plan, premiums are typically lower, so it's more affordable to gain the peace of mind that life insurance provides. Limitations apply, please see policy for details. Visit the Employee Benefits Center for more details.

Working couples

If you and your spouse both work for SISD, each of you may have coverage, but only one of you can cover your eligible dependents. In addition, only one employee can enroll in life insurance on their spouse.

Texas Life – www.texaslife.com - (800) 283-9233

Permanent, Portable Life 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. The plan is easy to purchase, pay for, and keep through the convenience of payroll deduction. Coverage is affordable and dependable. Plus, Texas Life has over a century of experience protecting families and giving the peace of mind only permanent life insurance can provide.

Highlights

• You own the policy, even if you change jobs or retire.
• The policy remains in force until you die or up to age 121, as long as you pay the necessary premium on time.
• It is a permanent, universal life policy which means you can rest easy knowing your loved ones will be well taken care of when you’re gone.

American Fidelity | www.americanfidelity.com | 1.800.654.8489

Have you ever wondered what would happen to your income if you had an accidental injury, sickness, or pregnancy? That is why you need disability coverage. It replaces a portion of income for the period of time you are unable to work due to those reasons. You are able to choose the benefit amount, which is the amount of your income to replace, and the waiting period, which is the amount of time before you begin receiving payments.

How do you decide if you need disability insurance? Consider these questions when making your decision:

How much employer leave do you have?

Do you have savings?

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 Retirement?

What are your other sources of income?

American Fidelity - www.americanfidelity.com - (800) 662-1133

Thousands of Americans are diagnosed with cancer each day. No doubt, the news is devastating, both personally and financially. It’s impossible to anticipate a cancer diagnosis, but it is possible to prepare for it with a cancer insurance plan.

It is likely that your major medical coverage will not cover all of the costs associated with a cancer diagnosis. Supplementing your major medical with cancer insurance may help you pay for related expenses, such as copays and deductibles, specialists, experimental treatment, specialty hospitals, travel expenses, in-home care and more.

Premiums are paid through convenient payroll deduction to ensure your policy remains in force if you should need it. Benefits are paid directly to you, so you can choose how to spend the money.

Get the type of care you need and focus on your recovery with a cancer insurance plan. Visit with your First Financial Account Manager for plan details.

AFLAC - www.aflac.com - (800) 992-3522

If you’ve heard of heart attacks, strokes, organ transplants or paralysis, then you’re familiar with critical illness. It’s likely you or someone you know has experienced one of these life-altering events. Often times, a critical illness has a powerful impact on people’s lives, affecting their livelihood and finances.

A critical illness plan can help with the treatment costs of covered illnesses. Benefits are paid directly to you, unless otherwise assigned, giving you the choice of how to spend the money. Plus, there are plans available to provide coverage for you, your spouse and dependent children.

Prepare now for the unexpected with a critical illness insurance plan. The plan helps you focus on getting well rather than worrying about finances.

The Standard | www.standard.com | (866) 851-2429

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. Accident coverage is available to you through payroll deduction and may provide a benefit for costs associated with:

• Concussions
• Lacerations
• Broken teeth
• Emergency room visits
• Ambulance, ground or air
• Intensive care unit

American Fidelity | www.americanfidelity.com | 1.800.654.8489

You may think major medical insurance is enough to cover your needs, but the reality is that many plans may only cover a portion of your overall expenses. It’s important to protect yourself in the event of a sudden hospitalization.

A Hospital Gap Insurance plan pays benefits directly to you and is designed to help cover the gap between what your traditional medical plan will cover and the out-of-pocket expenses you will pay. The plan may include benefits you can use to help pay for inpatient hospital stays and surgeries, doctor’s office treatments and diagnostic testing costs.

With Hospital Gap Insurance, you can have peace of mind knowing that unexpected medical expenses will less of a financial burden for you and your family members.

Rates available for ages 55+

The Standard - www.standard.com - 1.800.523.8422 (Option 4)

Life pulls us in many different directions. Between kids, personal relationships, extracurricular activities and family time, it seems like we don’t have enough time in day to fit it all in. When life gets you stressed, call the employee assistance line provided by your employer. It offers 24/7 access to professionals who can help you successfully face emotional issues.

An employee assistance program, or EAP, is a free, voluntary program offered by your employer. With one phone call, you will have access to short-term counseling and confidential assessments whenever you have a personal or work-related problem.

Employee assistance programs address a wide range of issues including mental and emotional well-being, substance abuse and grief. Counselors are held to the highest ethical standard and are trained to keep your situation confidential. They work with you to determine the best way to address your needs and move you in a positive direction.

Visit www.bcbstx.com/trsactivecare or call BCBS Customer Service at 866-355-5999

• Select “Doctors and Hospitals”

• Select the desired medical plan

• Enter your city or zip code

• Select search criteria

• Enter your doctor’s name

• Click “view profile” and the 10-digit PCP ID will be located under the Doctors name

You can receive a list of these participating dentists/vision providers online at https://www.ameritas.com/employee-benefits/find-a-provider/