GOOSE CREEK CISD 2020 21 EMPLOYEE BENEFITS Benefits

GOOSE CREEK CISD 2020 -21 EMPLOYEE BENEFITS Benefits Plan Year September 1, 2020 – August 31, 2021

NEW THIS YEAR -TRS Active Care AETNA will be TRS BCBS (Blue Cross Blue Shield) Effective Sept 1. Below is a chart with current plans and the similar BCBS new medical plans *For these plans You MUST select a Primary Care Physician (PCP) when you enroll -EMPLOYEE ASSISTANCE CENTER (EAC) Call 1 -855 -765 -4473, Option 3 Monday – Friday, 8 a. m. – 5 p. m. This year due to COVID 19, employees will have the option to speak with your First Financial account manager by phone through our Enrollment Assistance Center or enroll online.

Open Enrollment OPEN ENROLLMENT: July 15 -August 7 It’s that time of year for you to make changes to your current benefit elections! This is the perfect time to plan expenses and do a thorough checkup on your benefit elections for the 2020 -2021 plan year. Please Note: New Hires have 31 days from their actual date of hire to make benefit elections. IMPORTANT THINGS TO REMEMBER: • Not all plans auto-renew! You must re-elect Flexible Spending and Dependent Childcare Reimbursement Plans each year per IRS regulations • NEW benefit options available this year, including major changes to the TRS Medical Plans • If you make NO CHANGES, your current benefit elections (except for flex spending) will rollover into the new plan year with the same plan or with medical the closest plan to what you are currently enrolled in this year. Remember, after Open Enrollment ends, you will not be able to make a change to your benefits unless you have a Qualifying Life Event. You must notify the benefits department within 31 days of the change.

DECLINING COVERAGE 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 for the district paid term life.

EMPLOYEE BENEFIT CENTER The Employee Benefits Center (EBC) is a one-stop-shop for you to find all things benefits related. • Open Enrollment and Plan Year Dates • Benefit Descriptions • Carrier Contact Information • Product Brochures • Claim Forms • Enrollment Details Visit https: //benefits. ffga. com/goosecreekcisd today!

How to Enroll Online Enrollment: Enroll Online To begin online enrollment, visit https: //ffga. benselect. com/Enroll/login. aspx LOGIN • Login: Your Employee ID or Social Security Number (no dashes) • PIN (first login only): The last four digits of your Social Security Number and the last two digits of the year you were born (six digits total) • New PIN: The first time you login, you will be required to change to a new PIN. Please note your new PIN because you will use the new PIN from that point forward. Enrollment Assistance Center (EAC) Instructions Information gather prior to enrolling or calling the EAC ü Social Security Numbers and dates of birth for all Spouses and eligible Dependents ü Any Status/Life Event or address changes ü Questions about available benefits ü Look over the new medical plan changes and options. ü If choosing the TRS Primary or Primary+ Plans you will need to search for your Doctor with this link www. bcbstx. com/trsactivecare ü Have the 10 digit PCP number ready to input into the system. This year due to COVID 19, employees will have the option to speak with your First Financial account manager by phone through our Enrollment Assistance Center or enroll online. Call 855 -765 -4473 and select Option 3 to be connected to your local First Financial branch office. Hours of operation are 8 a. m. to 5 p. m. (local time), Monday – Friday. There is an option to leave a voice message for a representative to call you back. Phone calls will be returned as soon as possible or the next business day if it is after hours. There is a schedule for when you are able to call in that is available on next page. It is based off what campus/location you work at, and the days that location is able to call into the Assistance Center.

TRS-ACTIVECARE - TRS-ACTIVECARE TRS-Active. Care Plans have a new administrator! Blue. Cross Blue. Shield 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.

TRS-ACTIVECARE - TRS-ACTIVECARE TRS-Active. Care Plan Options Primary: Completely NEW plan option. You MUST actively elect this plan if you choose the Primary plan. Your current medical election will NOT automatically roll into this plan. Primary+: If you are currently enrolled in the Select Plan and you do not change your election, you WILL be rolled into the Primary+ plan. HD: If you are currently enrolled in the HD-1 plan and you do not change your election, you WILL be rolled into the HD plan.

- TRS-ACTIVECARE Primary+ TRS-Active. Care introduces the NEW Primary Plan and the Primary+ Plan (formerly the Select Plan)! Both plans offer affordable co-pays. These do NOT offer Out-of-Network benefits, so you MUST choose a Primary Care Physician and only go to providers in the statewide network.

PRIMARY CARE PHYSICIAN www. bcbstx. com/trsactivecare/doctors-and-hospitals

- TRS-ACTIVECARE HD TRS-Active. Care Plan Options Active. Care 2 HD & Active. Care 2 are both PPO plans 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 TRSActive. Care plan that is HSA eligible, as it does meet the IRS definition of a High Deductible Health Plan. Active. Care 2 is NOT open for new enrollment; however, current participants have the option to remain on the plan.

BCBSTX App See claims and EOB’s Live Chat Support for YOU Personal Health Guides TRS Virtual Health Choices “Ask Emma” New decision support tool TRS-Active. Care Resources

TRS Medical Plan Prescription 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.

WHEN CAN I EXPECT MY ID CARDS? TRS-Active. Care NEW Primary Plan and the TRS-Active. Care Primary+ Plan (formerly the Select Plan) are both physiciandirected plans. These plans do NOT offer Out-of-Network benefits, so you MUST choose a Primary Care Physician and only go to providers in the statewide network.

TRS-Active. Care Rates

- Well. Via www. wellviasolutions. com 1 -855 -935 -5842 Studies show that more than 50 percent of doctor’s office visits can be handled over the phone. With the Telehealth program, you can get a diagnosis quicker and spend less time in the waiting room. Board Certified physicians will diagnose your illness, recommend treatment and prescribe medication via telephone or video. You can contact them from anywhere – home, work, school, even while on vacation. They are able to treat common health issues like acid reflux, allergies, asthma, cold and flu, sinus infections, rashes, sore throat and more. It’s like having a doctor on call whenever you need medical advice. Access is only a call or click away! Highlights Include: • You do not need medical insurance with GCCISD to use this plan • Unlimited use for you and your dependents • $0 Co-pay

NOTE: The IRS requires proof that all expenses are eligible. Medical Flexible Spending Accounts (FSA) allow you to set aside pre-tax payroll deductions each paycheck to pay for out of pocket medical, dental and vision expenses for you and your family. During open enrollment you will estimate the amount you think you will need during the year. Your full annual election will be available to you at the beginning of the plan year. Please Note: That remaining balances after at the end of the plan year will be forfeited under the use-it-or-lose-it rule. You will have 60 days at the end of the plan year to submit receipts for any claims that occurred prior to the end of the plan year for reimbursement. Keep all receipts in case you need to substantiate a claim for tax purposes. You can submit these easily utilizing the FF Flex Mobile App. Your receipt must include: • Date of purchase or service, • Amount you were required to pay after insurance • Description of the product or service, merchant or provider name, and the patient name. Maximum Contribution Amount for 2020 per employee $2, 750

With a Dependent Care Flexible Spending Account, you can set aside part of your pay on a pre-tax basis to pay for eligible dependent care expenses like childcare, babysitters and adult day care. Maximum Contribution Amount for 2020 per Family $5, 000 HIGHLIGHTS • Eligible dependents must be claimed as an exemption on your tax return. • Eligible dependents must be children under age 13 or an adult dependent incapable of self-care. • Contributions are not loaded upfront per IRS rules. Funds become available as contributions are posted to your account. • Keep all receipts in case you need to substantiate a claim for tax purposes. • Balances will be forfeited at the end of the runoff or grace period.

A Health Savings Account (HSA) allows you to set aside money to pay for higher deductibles associated with a lower monthly premium High Deductible Health Plans (HDHP). Eligible expenses include: • Co-pays & Deductibles • Prescriptions & Medical Supplies • Vision & Dental care expenses Maximum Contribution Amount for 2020 $3, 500 - Self $7, 100 - Family 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. • As per IRS rules, the participant is the Administrator of the HSA Plan. District and TPA are just passing the monies through to the HSA for participant. Receipts are not required for reimbursement but be sure to save them for tax purposes.

FSA & HSA RESOURCES BENEFITS CARD The First Financial Benefits Card is available to all employees that participate in Medical FSA and/or a Dependent Care FSA. The Benefits Card gives you immediate access to your money at the point of purchase. Cards are available for participating employees, their spouse, and eligible dependents that are at least 18 years old. ONLINE FSA PORTAL • Flexible Spending Account participants can log in to their online FSA portal to access account balances, check on claims, upload receipts and access other account details. • Visit https: //ffga. com/individuals to login or set up your account.

FSA & HSA RESOURCES First Financial offers multiple resources for your convenience that help you maximize your benefits. First Financial has partnered with the FSA Store & HSA Store. An online marketplace that connects consumers to FSA & HSA-eligible products, seasonal deals, and account support resources such as a national database of providers as well as a FSA & HSA Learning Center. Managing your benefit accounts on the go is made easy with FF Flex Mobile App. This powerful, intuitive mobile application gives you access to view your account balances, update your profile, submit a claim and much more – right from your Android or Apple device. FF FLEX MOBILE APP • • • Access account Information View card details and profile information Submit FSA claims via electronic claim form View pending claims Upload receipts and documentation with ease and submit right away! Receive alerts Update direct deposit information Invest in HSA funds Pay a provider or pay yourself Download tax forms

- Humana Dental - www. humanadental. com | 1 -800 -233 -4013 Taking care of your oral health is not a luxury, it is a necessity to long-term optimal health. Dental insurance can greatly reduce your costs when it comes to preventative, restorative, and emergency procedures. Review the DHMO plan benefits to the right and the PPO dental on next page to see which option is best for you and your family’s dental needs. A range of procedures may be covered, such as: • Coprehensive Exams • Cleanings • X-Rays • Fillings • Tooth Extractions • General Anesthesia • Crowns • Root Canals DHMO Highlights: MUST choose from a Directory of Dentists No annual maximum No deductibles or claim forms No exclusion for pre-existing conditions Orthodontia coverage for up to 24 months • New Enrollees will receive ID cards via USPS • • • Coverage Tier Semi-Monthly Rates Employee Only $7. 06 Employee & Spouse $10. 39 Employee & Child(ren) $10. 12 Employee & Family $15. 32

- Humana Dental - www. humanadental. com | 1 -800 -233 -4013 PPO Highlights: • • Have the freedom to choose any licensed dentist in-network or out-of-network* SAVE money by visiting a Preferred Provider list of “in-network” dentists* Exams, x-rays, and cleanings are covered at 100% in-network Annual deductible of $50 per individual; $150 per family, annual maximum benefit of $1, 500 person on the plan Basic restorative care (e. g. , fillings, stainless steel crowns, bitewing x-rays) is paid at 80% up to annual maximum Major services are covered at 50% up to annual maximum Twelve month waiting period for orthodontia Orthodontia lifetime maximum of $1, 000 Coverage Tier Semi-Monthly Rates *Non-participating dentists can bill you for charges above the amount covered by your Humana. Dental plan. To ensure you do not receive additional charges, visit a participating PPO Network dentist. Members and their families benefit from negotiated discounts on covered services by choosing dentists in our network. If a member visits a participating network dentist, the member will not receive a bill for charges more than the negotiated fee for covered services. If a member sees an out-of-network dentist, coinsurance will apply to the usual and customary charge. Out-of-network dentists may bill you for charges above the amount covered by your dental plan Employee Only $14. 42 Employee & Spouse $27. 60 Employee & Child(ren) $35. 09 Employee & Family $40. 81

- Ameritas Vision - www. ameritas. com | 1 -800 -877 -7195 Proper vision care is essential to your overall wellbeing. Regular eye exams at any age will help prevent eye disease and keep your vision strong for years to come. Here are just a few of the areas where you will save money with your plan: • • • Eye exams Eyeglasses Contact lenses Eye surgeries Vision correction Highlights: • Richer benefits with in-network provider • $10 co-pay for eye exam • $10 co-pay for eyeglasses with basic lenses • $180 frame allowance OR • $180 contact lens allowance You must use an in-network provider for less out-of-pocket expense Coverage Tier Semi-Monthly Rates Employee Only $4. 86 Employee & Spouse $10. 39 Employee & Child(ren) $10. 12 Employee & Family $15. 32

- American Fidelity www. americanfidelity. com 1 -800 -662 -1113 For complete details and information, see the brochure on the Employee Benefit Center (EBC) at benefits. ffga. com/goosecreekcisd

- AFLAC - Guaranteed Issue! Covered Critical Illnesses: • • • www. aflacgroupinsurance. com 1 -800 -433 -3036 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. Heart Attack (Myocardial Infarction) Sudden Cardiac Arrest Stroke Major Organ Transplant Bone Marrow Transplant (Stem Cell Transplant) Cancer Kidney Failure (End-stage Renal Failure) Benign Brain Tumor ALS/Lou Gehrig’s Disease Sustained Multiple Sclerosis Coronary Artery By-Pass, Non-Invasive Cancer, and 18 other diseases– Partial Benefit ü Plan pays a lump-sum benefit amount of $5, 000 -$30, 000, offered guaranteed issue for employees and their spouse. ü Children covered at no additional cost at 50% of the employee benefit amount. ü Pre-existing conditions will not be covered for 12 months. ü Guaranteed Issue for all employees, spouse and children. ü Health Screening Benefit $100 for 1 of 20 preventive care tests for employee and spouse; one time each year ü Recurrence Benefit will apply to certain illness. ü Please see details and rates for all plans are listed in benefits. ffga. com/goosecreekcisd

- Met. Life Insurance - www. metlife. com | 1 -800 -438 -6388 This plan is designed to help you cope with the costs associated with unexpected accidents. Despite having health insurance, Accident plans help cover the high deductibles and costs when you have to go to Doctor, Emergency room, and/or hospital due to an accident. Highlights of the plan include: • Plan is fully portable even if you leave your employer • High and Low plan to fit your budget and needs • High plan benefits pays additional 50% more • Coverage includes-but is not limited to fractured or dislocated bones, third degree burns, x-rays, concussions, broken teeth, emergency room treatment, ambulance, and hospital confinement • Coverage available for employee, spouse and children for accidents both on and off the job

- The Standard www. standard. com 281 -517 -5466 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: Have you ever wondered what would happen to your income if you had an accidental injury, sickness, or pregnancy? • Guaranteed issue open enrollment every year, but any new or enhanced coverage has a 12 month pre -existing condition limitation • Pregnancy covered same as any illness - 12 month pre-existing limitation applies • Premiums vary based on how much coverage you How much employer leave do you have? select, and how long of an "elimination period“ Do you have adequate savings for a lengthy period without (waiting period) you select; income? • Elimination periods for illness/accident are 7 days, Do you have other income you can rely on, such as from your 14 days, 30 days, 60 days, or 90 days spouse or from child support? • If you select an elimination period with 30 days or less, your waiting period is waived upon in-patient How close are you to retirement? hospital admittance of 24 hours or more Could you go on Social Security Disability or take a Disability • See rate chart at benefits. ffga. com/goosecreekcisd Retirement? What are your other sources of income?

- Sun. Life Insurance www. sunlife. com/us -800 -247 -6875 1 GROUP TERM LIFE INSURANCE Goose Creek CISD provides all eligible employees a $30, 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. Group Term 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. Group Term life is five-year-age-banded rates, meaning as you go into a new age-band every five years, the rates will increase. The Plan ages every year based on the plan year, September 1 st. 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.

- Sun. Life Insurance www. sunlife. com/us -800 -247 -6875 1 Here’s how this plan works: • Amounts of coverage still in underwriting after September 1, 2020, the effective date of coverage will be the first day of the month following the date of approval by Sun. Life • At annual open enrollment, employees can elect coverage in $10, 000 increments to a maximum of 5 times their salary up to $500, 000 of voluntary employee coverage but are subject to health questions and approval by Sun. Life underwriting • Coverage available for spouse in increments of $5, 000, up to $250, 000, not to exceed 50% of employees coverage. • Coverage available for eligible; dependent child(ren), up to age 26 in increments of $2, 500 to $10, 000, not to exceed 50% of employees coverage. • Dependent coverage can only be carried on one employee, if both work for the district New Hires (within 31 days of hire)—Limited Guaranteed Issue • Employee: Increments of $10, 000, beginning at $10, 000 up to a maximum of $300, 000 or 3 times your salary, whichever is less if you are under age 60, $40, 000 if you are age 60 -69, and $20, 000 if you are age 70 -79 • Spouse: Increments of $5, 000, up to $50, 000, if you are under age 60 and $10, 000 if you are age 6069 • Child(ren): Increments of $2, 500 up to $10, 000 Spouse and dependent child(ren) coverage is limited to 50% of the employee’s coverage election. Please Note: age reduction applies beginning at age 70 at the end of the month of your birthday. Please see Highlight sheet on the enrollment website for more details of the plan and the age reduction schedule.

TEXAS LIFE INSURANCE - 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. *Express Issue This Year! Highlights: Portable – you can take it with you when you leave the district Coverage to age 121 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 • • *Express Issue has you answer 3 simple questions

- ARAG - (ARAG means Legal in German) www. arag. com 800 -247 -4184 1 - Legal plans provide you access to professional lawyers at a low monthly rate. For just a few dollars a month, you can consult with a lawyer about having your will prepared, reviewing documents, contesting a traffic ticket, lawsuits, lemon law for cars, contract review for home repairs and insurance, and so much more. Expert legal advice is available at your fingertips. Highlights include: • Low plan covers matters like adoption, bankruptcy, eviction, wills, living will, consumer fraud, contracts, and small claims assistance. • High plans covers all the low plan, plus matters like trusts, criminal misdemeanor, contested divorce, traffic tickets, and more. • Identity Theft Recovery is included with attorney consultations • Choose from one of two plans – Low Plan or High Plan • Please see a detailed chart for both plans at benefits. ffga. com/goosecreekcisd

Contact EAP / 888 -293 -6948 / 24 hours a day, seven days a week Workhealthlife. com/Standard 3

- TCG Advisors Hotline 512 -600 -5204 www. tcgservices. com/open-enrollment Now is the time to take full advantage of this opportunity to maximize your retirement savings! 403(b) & 457(b) retirement plans are IRS-approved plans that allow you to set aside money on pre-tax basis for your retirement. Contributions are conveniently made through payroll deduction, so money is moved from your paycheck into the account automatically. 403(b) BENEFITS INCLUDE: 457(b) BENEFITS INCLUDE: • Tax deferred growth: no annual taxation on earnings • Investment options: fixed annuities, variable annuities, or mutual funds • Competitive interest rates • Flexibility: start, stop, and adjust your contributions as allowed by your employer’s plan. • Periodic account statements • Investment options: fixed annuities, variable annuities, or mutual funds • Flexibility: start, stop, and adjust your contributions as allowed by your employer’s plan • Receive periodic account statements • There’s no 10% federal penalty on interest or earnings for early withdrawal • There’s no current federal income taxes on the money you put into the plan until it is time to take withdrawals In 2020, you can contribute 100 percent of your includible compensation up to $19, 500, whichever is less. If you are age 50 or older, you can contribute up to an additional $6, 500 for a total of $26, 000.

Clever RX helps you save money by using a prescription drug savings card. They partner with the healthcare community to bring state -of-the-art, money-savings tools to participants. It helps you save up to 80% off prescriptions drugs and often beats the average copay. Plus, it’s completely free. Thanks to Clever RX, you will never overpay for prescriptions again! HIGHLIGHTS • 100% FREE to use. • Unlock discounts on thousands of medications. • Save up to 80% on prescription medication – Often beats your copay! • Download the Clever RX app by using the information on your card below to unlock exclusive savings at over 60, 000 pharmacies nationwide. • Available to use now! Use Clever RX every time you pay for a medication for instant savings! Download the app or visit the site to price a drug: https: //partner. cleverrx. com/ffga.

QUESTIONS? Please contact your Goose Creek CISD dedicated benefits team: • Stephanie Myers - Coordinator - stephanie. myers@gccisd. net 281 -7073601 • Vanessa Garcia - Employees A - L - vanessa. garcia@gccisd. net 281 -7073599 • Vanessa Williams - Employees M - Z - vanessa. williams@gccisd. net 281707 -3886 Please contact your First Financial for Goose Creek CISD dedicated benefits team: • Joe Quijada, Account Manager - Joe. Quijada@ffga. com • Elizabeth Riley, Account Manager - Elizabeth. Riley@ffga. com • Crystal Fisher, Customer Support Specialist – Crystal. Fisher@ffga. com THANK YOU!