Humble ISD Benefits
New Hires with a date of hire of 08/01/2015 or before
08/01/2015 will have TWO benefit enrollments to complete.
1. The first enrollment will be your initial benefits
enrollment period that must be completed within 31
days of your date of hire (first day at work). Your
benefits will begin 08/01/2015 and end on 08/31/2015
due to the end of the plan year.
2. The second enrollment is OPEN ENROLLMENT for
benefits that begin on 09/01/2015 (Please refer to the
New Hire Benefit Enrollment Processing Guideline
Requirements with Humble ISD included in your New
Hire Packet).
If you need additional assistance, contact your Benefits
Administrator Tammye Vaughn.
DON’T FORGET, YOU MUST ENROLL TWICE!
•New Hires with a date of hire of
8/02/2015 or later MUST complete their
initial benefits enrollment within 31
days of their date of hire (first day at
work with Humble ISD.)
•This will be your only opportunity to
enroll in your benefits which will begin
09/01/2015.
What you need to know:
•Benefits for Humble ISD run on a PLAN YEAR: The benefit
plan year begins every year on September 1st and ENDS on
August 31st.
•Your benefit elections will remain in effect for the plan year
unless you experience a Qualifying Event that will allow a midyear change.
•You can expect to receive your insurance cards within 3-4
weeks AFTER completing your benefits enrollment.
•Some benefits will allow you to print your own insurance
card:
www.mybenefitshub.com/humbleisd
Bookmark and/or Save the
following link to your Favorites on your
computer!
www.mybenefitshub.com/humbleisd
After selecting your school district, Your Benefits page will
direct you to your Medical, Dental, Vision, Disability, etc.
web pages and links. You can also find claim forms, print
temporary ID cards, check your FSA, and review your
benefits all year long.
Be sure to use the “Contact US” feature anytime you have
questions about your benefits or logging in!
Benefits Available to Humble ISD Employees
• Medical
• Telehealth
• Employee
Assistance Program
(EAP)
• Dental
• Vision
• Disability
• Cancer
• Term Life
• Accidental Death
and
Dismemberment
• Health Savings
Accounts
• Flexible Spending
Accounts
Current Benefits
Telehealth with HealthiestYou
This benefit gives you access to telephone
consultations with a licensed physician for
evaluation, diagnosis, and prescription medication,
as appropriate, for minor illness 24/7/365- even
holiday! Covers your entire family, regardless if you
are on a medical plan or not. NO CONSULTATION
FEES!
This benefit is currently covered by Humble ISD.
Current Benefits
Employee Assistance Program with DeerOaks
An EAP provides free and confidential assessment,
short-term counseling, prevention, education, and
referral services to you and your eligible dependents.
Trained counselors are available 24/7/365.
Currently, this benefit is covered by Humble ISD.
EAP continued…
Employee Assistance Program-DeerOaks
• An EAP covers the
following types of
problems:
• Resolving personal
concerns can help you:
Stress, Tension, Anxiety
Depression, Grief
Anger Management
Marital/Family Problems
Work-Related Difficulties
Legal/Financial
Concerns
– Health and Wellness
Issues
– Trauma Recovery
– Substance Abuse
–
–
–
–
–
–
− Increase your morale and
well-being
− Stay focused on your goals
− Achieve a healthy balance
in your life
− Establish positive
relationships
− Remain Productive and
Efficient
− Decrease your overall stress
level
Current Benefits
• Health Saving Account
Funds contributed never expire and can accumulate year after year.
2015 Maximums are $3,350 for individual and $6,550 for family. 55+ have an
additional “catch-up” contribution of $1,000.
Funds can be fully withdrawn at retirement for any purpose (applicable taxes
will be due).
Health Savings
Account Plan
(HSA)
High
Deductible
Insurance
+
Savings
Account
You must be enrolled
in the ActiveCare
1-HD plan
Helps pay your
deductible
Tax-deductible
deposits
Tax-deferred growth
Core Product Updates
• Cigna PPO Dental
High Plan
– Plan Year Maximum starts at $1,000
– $50 Deductible/$150 Family
• Class 2 is covered at 70%
• Class 3 is covered at 50%
• Ortho covers 50% up to
$1,000 Lifetime Max.
High Plan
Rates
Employee Only
$37.14
Employee + Spouse
$73.02
Employee + Child(ren)
$74.26
Employee + Family
$108.92
Low Plan
Rates
Low Plan!
– Plan Year Maximum starts at $1,000
– $50 Deductible/$150 Family
• Class 2 is covered at 50%
• Class 3 is covered at 50%
• Ortho covers 50% up to
$1,000 Lifetime Max
Must stay IN-NETWORK!
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
$30.00
$60.00
$59.00
$88.00
Discussion
• If you need more coverage, select the High Plan.
• If your dentist is IN-NETWORK and you don’t need a lot of coverage, select
the Low Plan.
14
Existing Product Updates
• Superior Vision
$10 Copay for Exam
Coverage
Rates
$25 Materials Copay
Employee Only
$7.40
Employee + Spouse
$15.40
– Exam Paid-in-Full*
Employee + Child(ren)
$16.00
Employee + Family
$20.50
*Must use a Participating provider!
– Frames covered up to $130
– Lenses (Clear, Standard, Glass or Plastic includes scratch resistant and polycarbonate
lenses)
• Single Vision*
• Bifocal*
• Trifocal*
• Progressives*
• Lenticular*
• Scratch Coating*
• Polycarbonate*
– Contact Lenses (in lieu of glasses)
•
•
Up to $150 Elective*
Paid in Full if Medically Required*
– $200 Laser Correction Allowance
15
Product Updates
Disability though Aetna
Disability insures your most important asset-your ability
to work and earn a living.
As of December 2013, according to the Social
Security Basic Facts sheet, “Just over 1 in 4 of today’s
20 year-olds will become disabled before reaching
the age 67.” www.ssa.gov/pressoffice/basicfact.htm
Product Updates
Disability continued…
1. Select the Maximum Benefit Period (how long you want your disability
to potentially cover you due to sickness or injury).
Option A: To age 65
Option B: Up to 2 Years
2. Select the Waiting Period (This is the time in which you must be
continuously disabled before filing a claim.)
0/7, 14/14, 30/30, 60/60, 90/90, 180/180
*1st Day Hospital Benefit is available to the 0/7, 14/14,and 30/30
waiting periods. If you are hospitalized as an in-patient for 24 hours
or more, the waiting period is waived.
3. Select your Monthly Benefit Amount, from $200 up to 66 2/3% of your
monthly earnings.
**Any Pre-Existing conditions or disability that occurs before September
1st will NOT be covered**
Product Updates
Term Life with Aetna
•
•
•
•
•
•
$10,000 Basic Life offer as Employer Paid to each employee
$200K GI for New Employees, $30K for Spouses $5K or 10K for Child dependents *NO
HEALTH QUESTIONS ASKED!*
Eligible employees can get up to $750K (not to exceed 7x Salary) Must complete EOI if
over the Guaranteed Issue amount
You can elect up to maximum amount of $375,000 for your spouse, but you will need to
complete an EOI to obtain coverage greater than the $30,000 GI amount.
Rates are based on Age. As you get older, your premium can increase.
Once you reach age 65, your benefit amount will reduce 35% of the initial amount. One
you reach age 70, the benefit amount will reduce 50% of the initial amount.
Accidental Death and Dismemberment (AD&D) with Aenta
**This benefit is available effective September 1st 2015
•
•
•
Accidental Death and Dismemberment pays an addition benefit amount in the event a
death were to occur from a covered accident.
A specified benefit amount is also covers any eligible bodily loss due to a covered
accident.
Employees may choose to elect an amount equal to the coverage elected for the Term
Life coverage. (Employees must be enrolled in the Term Life to elect the AD&D
coverage)
Product Updates
Loyal American Cancer Plan
• Your cancer insurance is through Loyal American.
• Cancer insurance is designed to help cover expenses that a
medical insurance won’t typically cover such as
transportation, lodging, prosthetics, hair pieces, etc.
• Your cancer insurance is Guaranteed Issued, which means
even if you have had cancer treatment before, you are still
eligible for this benefit.
– Please note there is a 12 month waiting period for any preexisting conditions.
Product Updates
Loyal American Cancer Plan
•
•
•
•
•
•
•
Two Options, Plan A or Plan B.
Both plans offer an Annual Cancer Screening benefit, up to $100 for
Plan A; up to $50 for Plan B.
First Occurrence benefit, Daily Radiation, Chemotherapy,
Immunotherapy, Experimental Treatment benefit available in both
plan options.
Transportation and Lodging benefit available.
Specified Disease Rider, covers 38 Specified Diseases, if an insured
person is first diagnosed with one or more covered Specified
Diseases and is hospitalized for the definitive treatment.
ICU benefit option is available for both plans at an additional cost.
More information on this benefit is available at
www.mybenefitshub.com/humbleisd.
Additional Items
– Flexible Spending Accounts:
•
•
•
•
•
Contribute up to $2,500 to your Flexible Spending Account
Use-It or Lose- It
Use toward eligible medical expenses such
as co-pays, prescriptions, vision, and
dental costs, and more
Must re-enroll every year
Cannot have both a FSA and HSA
– Dependent Care
•
•
Use pre-tax dollars to contribute up to $5,000 per year toward child care
expenses.
Must file paper claim
Additional Items
• Remember, cards can take up to 3 weeks for
delivery. You can print off Medical, Dental and
Vision cards through your Benefit Website!
• Go to the Provider Search links located on your
Benefit Website to make sure your doctor is in the
network!
• Use the Contact Us Tool for any benefit questions.
Enrollments
How do I enroll?
• CLICK – Visit www.mybenefitshub.com/humbleisd and click
the Login button. The instructions will direct you how to login!
• CALL – Enroll over the phone! Call 866-914-5202 to speak with
a representative and enroll in your benefits!
When can I enroll?
• You can enroll right now! But don’t delay. The longer you
wait to enroll, the longer it will take for you to receive your
benefit cards!
Login Page
Thank you for your
attendance!