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2017 Annual Benefit Enrollment Review
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How much did you have to pay towards your health expenses this last year?
How much will you have to pay out-of-pocket when it comes to your health (doctor's office visits, ER, surgeries, co-pays, etc.)?
What benefits does your school offer to help with out-of-pocket costs?
Benefits will become effective September 1st and will remain in effect until August 31, 2018.
You must enroll or decline coverage on yourself AND your eligible dependents (even if you aren't taking coverage).
You can only change your benefits during open enrollment. You will not be allowed to change your benefits after August 18th unless you experience and IRS defined Qualifying Event.
SEND A TEXT TO 313131
TEXT "FBS ETX"
Website Stuff Here
How to Login
Your Username is:
THE FIRST SIX LETTERS OF YOUR LAST NAME, THE FIRST LETTER OF YOUR FIRST NAME, AND THE LAST FOUR DIGITS OF YOUR SOCIAL SECURITY NUMBER.
Your Username is:
THE FIRST SIX LETTERS OF YOUR LAST NAME, THE FIRST LETTER OF YOUR FIRST NAME, AND THE LAST FOUR DIGITS OF YOUR SOCIAL SECURITY NUMBER. (I.E. John Smith ***-**-0081 is smithj0081)
Your Password is:
YOUR ENTIRE LAST NAME AND THE LAST FOUR DIGITS OF YOUR SOCIAL SECURITY NUMBER. (I.E. John Smith's password is: smith0081)
If your last name has hypens, spaces, dashes, apostrophes or any other punctuations, EXCLUDE the punctuation. Full last name, letters only.
Help is just a phone call away with the FBS Call Center!
The deductible is the amount you have pay first toward your medical expenses (non-preventive). If you have family coverage, the family deductible must be met before benefits are paid for any covered member. (Copays do not apply toward the deductible).
*In-Network Preventive Services are covered at 100%
Once you've met the deductible, Aetna pays 80% of covered expenses, and you pay 20% (coinsurance) until you meet your OUT-OF-POCKET MAXIMUM.
*An H.S.A and/or Medical Supplemental plan can help with your out-of-pocket costs.
Once you've met your OUT-OF-POCKET MAXIMUM (deductible and coinsurance), Aetna pays 100% of covered expenses for the rest of the year.
ActiveCare 1-HD is currently the High Deductible Plan with lower premiums and is H.S.A. Qualified
In-Network:
$2,500 Deductible/$6,550 Out-of-Pocket Maximum for Employee Only
$5,000 Deductible/$13,100 Out-of-Pocket Maximum for Family
Out-of-Network:
$5,000 Deductible/$13,100 Out-of-Pocket Maximum for Employee Only
$10,000 Deductible/$26,200 Out-of-Pocket Maximum for Family
Only in-network expenses will apply towards the in-network out-of-pocket maximum, and only out-of-network expenses will apply towards out-of-network out-of-pocket-maximum!
If you do NOT live in the counties above, pick "ActiveCare Select" plan in the "ActiveCare Select/Aetna Whole Health Plan Options"
MD Anderson and Texas Children’s Hospital are NOT part
of this network.
Baylor Scott and White Quality Alliance: Collin, Dallas, Denton, Ellis, Parker, Rockwall, Tarrant Counties
Memorial Hermann Accountable Care Network: Ft. Bend, Harris, Montgomery Counties
Kelsey Select: Ft. Bend, Harris, Montgomery, Galveston, and Brazoria Counties...These zipcodes only: 77511, 77512, 77578, 77581, 77583, 77584,77588
$1,200 Deductible/$6,850 Out-of-Pocket Maximum for Employee Only
$3,600 Deductible/$13,700 Out-of-Pocket Maximum for Family
*This plan does not cover out-of-network services except for emergencies.
But it is the most expensive plan.
ActiveCare 2 has the lowest deductible compared to ActiveCare 1-HD and ActiveCare Select.
In-Network:
$1,000 Deductible/$6,850 Out-of-Pocket Maximum for Employee Only
$3,000 Deductible/$13,700 Out-of-Pocket Maximum for Family
Out-of-Network:
$2,000 Deductible/$14,300 Out-of-Pocket Maximum for Employee Only
$6,000 Deductible/$28,600 Out-of-Pocket Maximum for Family
Only in-network expenses will apply towards the in-network out-of-pocket maximum, and only out-of-network expenses will apply towards out-of-network out-of-pocket-maxium!
*If enrolled in ActiveCare Kelsey Select, you must use Kelsey lab services to receive the 100% benefit, not Quest labs.
A health savings account (HSA) is a tax-advantaged medical savings account available to employees enrolled in the ActiveCare 1-HD plan. The funds contributed to an account are not subject to federal income tax at the time of deposit.
Employee Only : Up to $3,400
Family: Up to $6,750
If you are over 55 years old, you can contribute an additional $1,000
Remember: You can only use what has been deducted from your paycheck, but unused funds can accrue in your account year after year.
Funds are for eligible medical expenses as defined by the IRS.
Regardless of which plan you choose, you may also want to consider a Medical Supplemental plan to help you meet your deductible.
In order for your GAP plan to be compatible with a Health Savings Account (HSA), it has a deductible amount of $1,300 that must be satisfied before any benefits are payable. When dependent coverage is elected, benefits are payable only after the entire family deductible has been satisfied by one or more insured persons.
The $1500/$2500 benefit is just enough to apply toward the deductibles of the ActiveCare plans (depending on which medical plan you elect.)
Once you meet your Deductible, Co-Insurance begins - Aetna pays 80% and you pay 20% until you reach your Out-of-Pocket Maximum
Also- There are no pre-existing conditions with this plan!
It doesn't matter which medical plan you are enrolled in; you don't even have to be enrolled in medical to enroll in an FSA.
Elect up to $2,600 per year
Your can reimburse up to $5,000 (if you are married filing a joint return or you are head of a household) or $2,500 (if you are married filing separate returns).
Reimbursements are made via paper claim form, but payments can be made through direct deposit.
$9 for Employee or Family coverage and NO Consultation Fees
You don't have to be enrolled in a medical plan to enroll in the telehealth offered through the East Texas Coop.
Saves money AND time!
Select the Maximum Benefit Period (how long you want your disability to potentially cover you due to sickness or injury).
Premium Plan: To Social Security Normal Retirement Age (SSNRA)
Select Plan: Up to 3 Years if the disability is due to an Illness. Plan pays up to SSNRA if the disability
resulted from an Accident.
*Pregnancy is considered to be an ILLNESS! (not an accident)
How long can you wait until you receive your benefit?
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
How much money do you need to cover your monthly expenses while you're out on disability?
Select your Monthly Benefit Amount, from $200 up to 66 2/3% of your monthly earnings.
*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.
**The pre-existing period is 3/12.
*Current employees applying for the first time must complete an Evidence of Insurability
AD&D pays a benefit if the cause of death is an ACCIDENT. It also pays toward the loss of a bodily appendage.
Benefit through Unum
Employees can also elect up to $500,000 in AD&D, no health questions asked.
Coverage for spouses and child dependents are available.
Benefit through Cigna
$1500 Calendar Year Maximum; $100 Annual Increase with Preventive Care
100% Preventive & Diagnostic
80% Basic Restorative Care
50% Major Restorative Care
50% Ortho Available for Dependents to age 26 ($1,000 Ortho max)
$50 Deductible for Basic and Major Restorative Care
Monthly Rates
Employee Only: $24.72
Employee/Spouse: $52.53
Employee/Children: $67.98
Family: $92.70
Make sure your dentist is IN-NETWORK if you select this plan option.
Benefit through Cigna
$1000 Calendar Year Maximum; $100 Annual Increase with Preventative Care
100% Preventive & Diagnostic
50% Basic Restorative Care
50% Major Restorative Care
No Orthodontia on the Low Plan
$50 Deductible for Basic and Major Restorative Care
Monthly Rates
Employee Only: $19.20
Employee/Spouse: $40.80
Employee/Children: $52.80
Family: $72.00
Benefit through UHC Vision
$10 Copay for Exam/$25 Copay for Materials
Exam every 12 months
Lenses every 12 months
Frames every 12 months
$130 Frame Allowance
Contacts covered in lieu of glasses/$150 Allowance for contacts
Monthly Rates
Employee Only: $7.02
Employee/Spouse: $14.62
Employee/Children: $15.19
Family: $19.47
Emergent Plan Monthly Rates:
Individual: $9.00
Platinum Plan Monthly Rates:
Individual: $24.50
Family: $32.50
Plus Plan Monthly Rates:
Individual: $7.95
Family: $14.89
Platinum Plan Monthly Rates:
Individual: $11.95
Family: $22.95
Use the CONTACT US link to send us your questions!
That's it! you made it! Now get on your computer, smart phone, device and enroll!
The last day to enroll is August 18th!
Thank you for Your Time!