WHAT S NEW. ESC Region 11 EBC IN 2017 NEW ACCIDENT CARRIER CHANGES TO DENTAL PLANS AND MORE! 2017 SUMMER BENEFIT UPDATES ENROLLMENT

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1 BENEFIT UPDATES ENROLLMENT Basic Life Insurance by UNUM Accident Insurance by VOYA Each district provides eligible employees with district paid Base Life. (Coverage amounts vary by district). New Carrier! Lower Rates! Coverage pays benefit amounts for covered medical expenses that were incurred as the result of an accident. This plan is richer and pays an additional claims towards sports injuries. MEDlink by American Public Life MEDlink is designed to cover out-of-pocket deductible amount and out-of-pocket co-payment or coinsurance amounts the covered person actually incurs after the Medical Plan has paid. Only you and your dependents covered under the districts medical plan can enroll in the MEDlink plan. Dental Insurance by Cigna You have the option to choose from three dental plans through Cigna: PPO High plan, PPO MAC plan, or the DHMO plan. The High plan offers you the flexibility to select your own provider and includes orthodontia for children. The MAC plan will provide more benefits on Basic/Major care than the High plan but only if you use an In-Network provider. This year we will be moving to the Total Cigna DPPO network with even more providers! The DHMO is moving to CIGNA and does not have any out of network benefits so you must select a provider upon enrollment. However, all services are paid per the plan schedule so there are no surprise costs and there are no maximums on the DHMO plan. With all the changes, you will receive new ID cards this year so keep a lookout! Vision Insurance by Superior Provides coverage for routine eye examinations and greatly offsets the cost of glasses and contacts and vision correction. Long Term Disability by Cigna Plan provides a monthly income to an individual that is disabled due to an accident or illness. All new or increases in coverage are subject to pre-existing condition exclusions. Cancer Insurance by American Public Life The cancer coverage offers two options to you with optional ICU coverage. Cancer insurance is designed to be a supplement and pays for many costs not covered by your major medical plan. Pre-existing limitations apply SUMMER Group Term Life and AD&D by UNUM If you have existing coverage can elect up to GI amount! If you are new to the district you can purchase up to $230,000 not to exceed 7 times annual salary of group term life insurance on youself, $50,000 on your spouse and $10,000 on your children on a Guarantee Issues basis (No health questions asked) as long as the election is made within 31 days of hire date. You can also purchase up to $500,000 not to exceed 7 times annual salary of AD&D life insurance separate from their group term life. Identity Theft Protection by ID Watchdog ID Watchdog monitors credit reporting agencies to help protect your identity. ID Watchdog has a patent-pending fraud-monitoring technology that provides you with easy to read monthly reporting alerts to any identity threats. Medical Reimbursement (FSA) by NBS Tax sheltered flexible spending accounts allow an individual to set aside dollars to pay for future health care and dependent care expenses. Eligible expenses must be incurred within the plan year (9/01/17 to 8/31/18) and contributions are use it or lose it unless your district has a rollover or grace period. Direct deposit is available. The medical reimbursement annual maximum is $2,600 per plan year. Health Savings Account (HSA) by HSABank Your school district may offer employees who are enrolled in a high deductible health care plan the opportunity to contribute to an HSA to pay for eligible medical, dental and vision expenses. Individual maximum contribution is $3,400 and Family maximum contribution is $6,750 per year. If you are actively participating in a HSA your FSA will be limited to only dental and vision. WHAT S NEW IN 2017 NEW ACCIDENT CARRIER CHANGES TO DENTAL PLANS AND MORE!

2 INTRO Supplemental Benefit elections will become effective 9/1/2017 (elections requiring evidence of insurability, such as life Insurance, may have a later effective date, if approved). After annual enrollment closes, benefit changes can only be made if you experience a qualifying event (and changes must be made within 30 days of event). ENROLLMENT DATES: 07/31/17-08/22/17 BENEFIT WEBSITE: CALL CENTER #: IMPORTANT HIGHLIGHTS FLEXIBLE SPENDING ACCOUNTS If you currently participate in a Healthcare or Dependent Care FSA, you MUST re-elect a new contribution amount every year to continue to participate. IT DOES NOT ROLLOVER! Eligible expenses must be incurred within the plan year (9/01/17 to 8/31/18) and contributions are use it or lose it unless your district has a rollover or grace period. You can view account balance using the CHECK FSA link on the Benefit website or use the NBS smart phone app. To self enroll: DENTAL BY CIGNA TEXT FBS BC11 TO (866) You have the option to choose from three dental plans through Cigna: PPO High plan, PPO MAC plan, or the DHMO plan. The High plan offers you the flexibility to select your own provider and includes orthodontia for children. The MAC plan will provide more benefits on Basic/Major care than the High plan but only if you use an In-Network provider. This year we will be moving to the Total Cigna DPPO network with even more providers! The DHMO is moving to CIGNA and does not have any out of network benefits so you must select a provider upon enrollment. However, all services are paid per the plan schedule so there are no surprise costs and there are no maximums on the DHMO plan. With all the changes, you will receive new ID cards this year so keep a lookout! ACCIDENT BY VOYA NEW! Lower Rates! VOYA will be the new Accident Carrier for the plan year. Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs while you are not at work. The benefit amount depends on the type of injury and care received. You have the option to elect Accident Insurance to meet your needs with a continual guarantee issue! LOGIN INSTRUCTIONS GO TO: 1 2 TRS MEDICAL Watch for more information regarding medical and any possible changes for the plan year to come out in June. All decisions regarding medical should be made by Texas Retirement System next month. CLICK LOGIN: LOGIN 3 ENTER USERNAME & PASSWORD: All login credentials have been RESET to the following defaults: Username: The first six (6) characters of your last name, followed by the first letter of your first name, If you have six (6) or less characters in your last name, use your full last name, followed by the first letter of your first name, followed by the last four (4) digits of your Social Security Number. Default Password: Last Name* (lowercase, excluding punctuation) DID YOU KNOW? 2/3 Of disabling injuries suffered by American workers are not work related. 36% Of American workers report they always or usually live paycheck to paycheck.

3 INTRO Supplemental Benefit elections will become effective 9/1/2017 (elections requiring evidence of insurability, such as life Insurance, may have a later effective date, if approved). After annual enrollment closes, benefit changes can only be made if you experience a qualifying event (and changes must be made within 30 days of event). ENROLLMENT DATES: 07/31/17-08/22/17 BENEFIT WEBSITE: CALL CENTER #: IMPORTANT HIGHLIGHTS FLEXIBLE SPENDING ACCOUNTS If you currently participate in a Healthcare or Dependent Care FSA, you MUST re-elect a new contribution amount every year to continue to participate. IT DOES NOT ROLLOVER! Eligible expenses must be incurred within the plan year (9/01/17 to 8/31/18) and contributions are use it or lose it unless your district has a rollover or grace period. You can view account balance using the CHECK FSA link on the Benefit website or use the NBS smart phone app. To self enroll: DENTAL BY CIGNA TEXT FBS BC11 TO (866) You have the option to choose from three dental plans through Cigna: PPO High plan, PPO MAC plan, or the DHMO plan. The High plan offers you the flexibility to select your own provider and includes orthodontia for children. The MAC plan will provide more benefits on Basic/Major care than the High plan but only if you use an In-Network provider. This year we will be moving to the Total Cigna DPPO network with even more providers! The DHMO is moving to CIGNA and does not have any out of network benefits so you must select a provider upon enrollment. However, all services are paid per the plan schedule so there are no surprise costs and there are no maximums on the DHMO plan. With all the changes, you will receive new ID cards this year so keep a lookout! ACCIDENT BY VOYA NEW! Lower Rates! VOYA will be the new Accident Carrier for the plan year. Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs while you are not at work. The benefit amount depends on the type of injury and care received. You have the option to elect Accident Insurance to meet your needs with a continual guarantee issue! LOGIN INSTRUCTIONS GO TO: 1 2 TRS MEDICAL Watch for more information regarding medical and any possible changes for the plan year to come out in June. All decisions regarding medical should be made by Texas Retirement System next month. CLICK LOGIN: LOGIN 3 ENTER USERNAME & PASSWORD: All login credentials have been RESET to the following defaults: Username: The first six (6) characters of your last name, followed by the first letter of your first name, If you have six (6) or less characters in your last name, use your full last name, followed by the first letter of your first name, followed by the last four (4) digits of your Social Security Number. Default Password: Last Name* (lowercase, excluding punctuation) DID YOU KNOW? 2/3 Of disabling injuries suffered by American workers are not work related. 36% Of American workers report they always or usually live paycheck to paycheck.

4 BENEFIT UPDATES ENROLLMENT Basic Life Insurance by UNUM Accident Insurance by VOYA Each district provides eligible employees with district paid Base Life. (Coverage amounts vary by district). New Carrier! Lower Rates! Coverage pays benefit amounts for covered medical expenses that were incurred as the result of an accident. This plan is richer and pays an additional claims towards sports injuries. MEDlink by American Public Life MEDlink is designed to cover out-of-pocket deductible amount and out-of-pocket co-payment or coinsurance amounts the covered person actually incurs after the Medical Plan has paid. Only you and your dependents covered under the districts medical plan can enroll in the MEDlink plan. Dental Insurance by Cigna You have the option to choose from three dental plans through Cigna: PPO High plan, PPO MAC plan, or the DHMO plan. The High plan offers you the flexibility to select your own provider and includes orthodontia for children. The MAC plan will provide more benefits on Basic/Major care than the High plan but only if you use an In-Network provider. This year we will be moving to the Total Cigna DPPO network with even more providers! The DHMO is moving to CIGNA and does not have any out of network benefits so you must select a provider upon enrollment. However, all services are paid per the plan schedule so there are no surprise costs and there are no maximums on the DHMO plan. With all the changes, you will receive new ID cards this year so keep a lookout! Vision Insurance by Superior Provides coverage for routine eye examinations and greatly offsets the cost of glasses and contacts and vision correction. Long Term Disability by Cigna Plan provides a monthly income to an individual that is disabled due to an accident or illness. All new or increases in coverage are subject to pre-existing condition exclusions. Cancer Insurance by American Public Life The cancer coverage offers two options to you with optional ICU coverage. Cancer insurance is designed to be a supplement and pays for many costs not covered by your major medical plan. Pre-existing limitations apply SUMMER Group Term Life and AD&D by UNUM If you have existing coverage can elect up to GI amount! If you are new to the district you can purchase up to $230,000 not to exceed 7 times annual salary of group term life insurance on youself, $50,000 on your spouse and $10,000 on your children on a Guarantee Issues basis (No health questions asked) as long as the election is made within 31 days of hire date. You can also purchase up to $500,000 not to exceed 7 times annual salary of AD&D life insurance separate from their group term life. Identity Theft Protection by ID Watchdog ID Watchdog monitors credit reporting agencies to help protect your identity. ID Watchdog has a patent-pending fraud-monitoring technology that provides you with easy to read monthly reporting alerts to any identity threats. Medical Reimbursement (FSA) by NBS Tax sheltered flexible spending accounts allow an individual to set aside dollars to pay for future health care and dependent care expenses. Eligible expenses must be incurred within the plan year (9/01/17 to 8/31/18) and contributions are use it or lose it unless your district has a rollover or grace period. Direct deposit is available. The medical reimbursement annual maximum is $2,600 per plan year. Health Savings Account (HSA) by HSABank Your school district may offer employees who are enrolled in a high deductible health care plan the opportunity to contribute to an HSA to pay for eligible medical, dental and vision expenses. Individual maximum contribution is $3,400 and Family maximum contribution is $6,750 per year. If you are actively participating in a HSA your FSA will be limited to only dental and vision. WHAT S NEW IN 2017 NEW ACCIDENT CARRIER CHANGES TO DENTAL PLANS AND MORE!

5 Plan Year 9/1/2017 through 8/31/2018 TRS-AcitveCare Medical Insurance NBS Flexible Spending Accounts RATES HAVE NOT BEEN RELEASED YET Healthcare Reimbursement maximum: $2,600 Tier ActiveCare 1-HD ActiveCare Select ActiveCare2 Dependent Care Reimbursement maximum: $2,500 or $5,000 Employee Only Dependent Care maximum is based on marital/tax filing status. Employee + Spouse HSA Bank Health Savings Accounts Employee + Children Employee Only Maximum $3,400 Employee + Family Family Maximum $6,750 **These premiums do not include state and employer contrubutions** Superior Vision Insurance Scott & White HMO FirstCare $10 exam copay, $10 material copay, $125 frame allowance and Employee Only up to $70 Out-of-Network, and $150 contact lens allowance. Employee + Spous Employee Only $8.86 Employee + Childre Employee + Spouse $15.09 Employee + Family Employee + Children $15.97 **These premiums do not include state and employer contrubutions** Cigna Dental Insurance High PPO Employee + Family $23.95 Guarantee Issue open enrollment every year - 3 month prior Pre-X Plan Year Maximum: $1,000 (100/70/40) / $100 annual increase, Can elect up to 66.67% of salary to a maximum of $7,500. no waiting periods, and 50% Orthodontic for children under 26. Plan A (Pays to Age 65) Employee Only $33.69 Elimination Period Rates per/$200 Employee + Spouse $ /7 $7.60 Employee + Children $ /14 $6.44 Employee + Family $ /30 $5.50 MAC Plan 60/60 $4.40 Plan Year Maximum: $1,000 (100/80/50) / $100 annual increase, 90/90 $2.50 and no waiting periods. 180/180 $1.74 Employee Only $25.64 Unum Term Life/AD&D Insurance Employee + Spouse $51.31 Voluntary Term Life: Employee Guarantee Issue: $230,000 Employee + Children $53.87 Spouse Guarantee Issue: $50,000 Child Guarantee Issue: $10,000 Employee + Family $82.43 Employee and Spouse Rates per $10,000 Cigna DHMO Dental Insurance Under 30 $0.45 DHMO plan offers no deductibles, no annual maximums, and no $0.60 waiting periods. Services must be provided by In-Network providers $0.70 Employee Only $ $0.80 Employee + Spouse $ $1.20 Employee + Children $ $2.00 Employee + Family $ $3.30 Voya Accident Insurance $5.10 Ambulance Benefit, Indemnity Benefits, Hospital Benefits, Accidental $9.50 Death and Dismemberment Benefit, and Family Lodging & Transport $15.50 Employee Only $12.20 Children Employee + Spouse $19.00 $5,000 $0.90 Employee + Children $19.90 $10,000 $1.80 Employee + Family $26.70 AD&D Highlights American Public Life Cancer Insurance Employee and family Guarantee Issue: Up to $500,000 Guarentee Issue Open Enrollment - 12 month Pre-X, Low and High Opt. Rates per $10,000: Critical Illness Included in Base Option & $50 Diagnostic Testing Benefit. Employee Only $0.40 Low Plan Low Plan w/ ICU Rider Family $0.70 Employee Only $16.30 Employee Only $19.60 MDLIVE Telehealth Single Parent Fam. $22.80 Single Parent Fam. $27.30 Voluntary Employee Only $8.00 Family $29.00 Family $35.90 Voluntary Family $16.00 High Plan High Plan w/ ICU Rider *Check with your district to see if this is an employer paid benefit. Employee Only $32.40 Employee Only $35.70 ID Watchdog Identity Theft Protection Single Parent Fam. $44.60 Single Parent Fam. $49.10 Plus Plan Family $56.60 Family $63.50 Employee Only $7.95 American Public Life MEDlink Insurance Employee + Family $14.95 Covers the cost of deductibles and coinsurance for inpatient care. Platinum Plan Doctors visit benefit of $25 and Outpatient benefit of $200. Employee Only $11.95 Rates: 45 year old participant $1500 Benefit $2500 Benefit Employee + Family $22.95 Employee Only $21.50 $28.00 Employee + Spouse $39.50 $51.50 Single Parent Family $36.50 $45.50 Employee + Family $54.50 $69.00 Cigna Educator Disability Insurance Online Benefit Information at Toll Free Assistance (866)