DSISD Employee Benefits Package
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DSISD Employee Benefits Package
Plan Sponsors and Third Party Administrators
Medical Benefits Provided through the
Teacher Retirement System of Texas (TRS)
Supplemental Benefits Provided through the
Region 20 Benefits Cooperative
Supplemental Benefits Administered by
Financial Benefit Services (FBS)
Financial Services administered by
National Benefit Services (NBS)
2019 – 2020 Benefits
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
and through other links on the DSISD
DSISD’s Open Enrollment 2019 webpage.
3
Open Enrollment for 2019 - 2020
• July 9 through August 23
• Passive Enrollment – 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 if you are not making plan changes.
• If your NBS debit card for HSA/HRA or FSA expires on
9/1/2019, 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
4Benefits for 2019 - 2020
DSISD Benefits
• $10,000 life insurance paid by DSISD
• District-paid Employee Assistance Program
(EAP) for all employees www.deeroakseap.com
• $300 per month District contribution to Health
Insurance premium
• $75 per month District contribution to a Health
Savings Account (HSA)
- For ActiveCare 1-HD participants
• $900 per year District contribution to a Health
Reimbursement Arrangement (HRA)
- For ActiveCare 2, ActiveCare Select, or Scott & White
HMO participants
5Cafeteria 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.
6Cafeteria Plan Pre-
Options Tax Medical – TRS ActiveCare Plans
Aetna – PPO & EPO plans TRS ActiveCare Plan Highlights Comparison
• TRS ActiveCare 1-HD
• TRS ActiveCare Select- EPO (Exclusive Provider Organization)
• TRS ActiveCare 2
www.trsactivecareaetna.com
1-800-222-9205
Scott & White – HMO plan Scott & White HMO Plan Highlights
https://trs.swhp.org/
1-800-321-7947
Care Mark Pharmacy –
http://www2.caremark.com/trsactivecare/
1-800-222-9205
7Medical Plan Premiums for 2019-2020
Total District Employee Change from
Plan
Premium Contribution Rate 2018-2019
ActiveCare 1-HD
Employee Only $378.00 $300.00 $78.00 -$14.00
Employee & Spouse $1,066.00 $300.00 $766.00 $6.00
Employee & Children $722.00 $300.00 $422.00 -$4.00
Employee & Family $1,415.00 $300.00 $1,115.00 $16.00
ActiveCare Select EPO
Employee Only $556.00 $300.00 $256.00 -$9.00
Employee & Spouse $1,367.00 $300.00 $1,067.00 $15.00
Employee & Children $902.00 $300.00 $602.00 $1.00
Employee & Family $1,718.00 $300.00 $1,418.00 $25.00
ActiveCare 2
Employee Only $852.00 $300.00 $552.00 $45.00
Employee & Spouse $2,020.00 $300.00 $1,720.00 $140.00
Employee & Children $1,267.00 $300.00 $967.00 $79.00
Employee & Family $2,389.00 $300.00 $2,089.00 $170.00
Scott & White HMO
Employee Only $558.54 $300.00 $258.54 -$44.82
Employee & Spouse $1,306.58 $300.00 $1,006.58 -$71.82
Employee & Children $876.76 $300.00 $576.76 -$56.30
Employee & Family $1,457.28 $300.00 $1,157.28 -$77.28
8Networks
Aetna Plans www.trsactivecareaetna.com
ActiveCare 1-HD Aetna Open Access Network
ActiveCare 2 Aetna Open Access Network
ActiveCare Select EPO Seton Health Alliance Network -
For those living in Bastrop, Burnet, Caldwell, Hays, Travis,
(Must use Doctors and Facilities within your or Williamson Counties
specific Network; except for a “True -or-
Baylor Scott & White Quality Alliance –
Medical Emergency”) For those living in Bell, Brazos, Collin, Dallas, Denton, Ellis,
Hays, McClennan, Milam, Parker, Rockwell, Tarrant,
Travis, Washington, or Williamson Counties
Baptist Health System and HealthTexas Medical Group -
For those living in Bexar, Comal, Guadalupe, or Kendall-
For those living outside these counties-
TRS-ActiveCare Select Network
Scott & White HMO www.trs.swhp.org
(Must use Network Doctors and Facilities) TRS-ActiveCare Participants Network
9TRS ActiveCare Plan Tips
Preventive Care and Routine Prenatal care – covered at 100%
Mail order - Care Mark RX – 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 1-HD and Scott
& White HMO – no charge for phone consultations 888-365-1663
Teladoc – the telehealth provider for ActiveCare 2 and
ActiveCare Select - No charge for phone consultations
855-835-2362
ActiveCare Select EPO Providers – Stay in-network – out-of-
network services are not covered
10Cafeteria Plan Pre-
Options Tax Health Savings Account (HSA)
• Automatic for ActiveCare 1-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 - employee
contributions 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
11Cafeteria Plan Pre-
Options Tax Health Reimbursement Arrangement (HRA)
• Automatic for ActiveCare Select, ActiveCare 2, and Scott &
White HMO
• $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
12Cafeteria Plan Post-
Options Tax Telehealth Plans – MDLive or Teladoc
• 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
MDLive Teladoc
888-365-1663 855-835-2362
+ Provided by DSISD + Included in TRS
ActiveCare
+ for ActiveCare1-HD and
Scott & White HMO + for ActiveCare Select &
ActiveCare 2
+ covers employee and all
dependents listed with FBS. + only for those covered
on the plan.
+ Also available on voluntary,
post-tax basis for all others.
13Cafeteria Plan Pre-
Options Tax 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)
14Dental Plan Premiums 2019-2019
2019-20
Plan
Premium
Cigna PPO High Plan
Employee Only $34.42
Employee & Spouse $84.77
Employee & Children $92.94
Employee & Family $129.57
Cigna PPO Low Plan
Employee Only $17.24
Employee & Spouse $35.03
Employee & Children $40.28
Employee & Family $61.50
Cigna DHMO
Employee Only $11.52
Employee & Spouse $21.75
Employee & Children $24.53
Employee & Family $37.98
15Cafeteria Plan Pre-
Options Tax 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
16Cafeteria Plan Post-
Options Tax Life Insurance Plan Options
• 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 100. Available Terminal Illness &
Quality of Life Rider
17Cafeteria Plan Post-
Options Tax Disability Plan - UNUM
• 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
• Six waiting (“elimination”) period options
• Waiting period waived on 14- or 30-day options if
hospitalized 23 or more hours
18Cafeteria Plan Pre-
Options Tax 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.
19Cafeteria Plan Pre-
Options Tax Cancer Plan – American Public Life
• 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)
20Cafeteria Plan Post-
Options Tax Critical Illness – AFLAC
• 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
21Cafeteria Plan Pre-
Options Tax 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
22Cafeteria Plan Pre- Accident Plan – American Public Life
Options Tax
• Medical Expenses for Injuries
- $500 per occurrence
• Daily Hospital
• Ambulance
• Accidental Death & Dismemberment
23Cafeteria Plan Post-
Options Tax Emergency Transportation – MASA
• Provides ground or air medical emergency
transportation solutions
• Covers out‐of‐pocket medical transport cost
when insurance falls short
• No network, nationwide coverage
24Cafeteria Plan Post-
Options Tax Identity Theft Plan – ID Watchdog
Identity Theft Protection
• Identity Monitoring
• Cyber Monitoring
• Non-Credit Loan Monitoring
• Address Monitoring
• 100% Resolution Guarantee
25How to Enroll/Select Benefits
• Online enrollment system
(www.mybenefitshub.com/drippingspringsisd)
• New Employees - See Enroller for assistance
• Returning Employees – 3 Options:
- Self enroll online
- Call FBS at 1-866-914-5202 for assistance
- One-on-one, in-person enroller assistance
available: August 14 @ Central Office, August
16 or 19 on Campuses
26AUGUST ENROLLMENT DATES
Date Time Location
August 14 9:00am – 5:00pm Central Office Room 209
(Wednesday)
August 16 9:00am – 5:00pm DSHS – CL&I Comp Lab
(Friday) SSMS & SSE – CL&I
DSE Comp Lab (Room 209)
August 19 8:00am – 12:00pm
RSE – Downstairs Comp Lab
(Monday)
DSMS CL&I
1:00pm – 5:00pm
WSE – Room 325
Through Online
August 23 Self-Enroll Anytime
(www.mybenefitshub.com/drippingspringsisd)
Mon-Thu 8:00am –
Through Phone Assistance
5:00pm
August 23 1-866-914-5202
Fridays 8:00am – 3:00pm
27FINANCIAL BENEFIT SERVICES
Your Total Benefit Solution
Susan Winkler
Benefits Consultant
susanw@fbsbenefits.com
512-535-4989
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