Beginning in 2020, we added Accountable Care Organizations to our plan options, and we added copays to the Kelsey ACO plan options.
Many employees have elected one of the ACO plans to manage their overall health plan costs while providing excellent health care options. The rate increases are shown in the chart below. These are per paycheck deductions over 24 pay periods.
Life Insurance. Rates for Employee Supplemental Life Insurance have decreased overall about 20%.
Please review your finances and see if you need to add or increase your employee supplemental life insurance coverage. At annual enrollment time, you are able to increase your life insurance, if you are already enrolled, by one times your annual salary without Evidence of Insurability up to five times your annual salary or $600,000, whichever requirement is met first.
However, we have a new plan that covers parents for $3.00 more per paycheck, regardless of the tier you are in (Employee only, Employee + Family), you can select the Plus Plan and it will include your parents. You can review more information under Prepaid Legal in this guide.
Please be sure to review your beneficiaries. If you need to make an immediate beneficiary change, you may do so by calling the Benefits Service Center at 1-877-780-4473 or you can go online to your benefits enrollment site. Under manage Information, you can edit or add your updated beneficiary information for basic life and supplemental life.
If you want to add beneficiaries to your Aflac plans, please go to www.hisdbenefits.org>Resources>Forms and look for the Aflac Beneficiary Form. Complete the form and send it to Aflac (address is on the form). Any changes in your beneficiary information will be effective at the Benefits Service Center on the day you make the change. Also, you may want to update your TRS Beneficiaries, which must be done through TRS. Additional information and forms can be found on the TRS website.
Eligible Dependents under HISD plans
Every year it is important to review your eligible dependents, as they are the only dependents who can be covered under your plans. It is your responsibility to change coverage levels if you have over-age dependents (life, accident, hospital indemnity, critical illness, cancer, etc.).
If you have a dependent who no longer qualifies as an eligible dependent, you must notify the Benefits Service Center at 1-877-780-4473 immediately or within 30 days of the loss of eligibility. If you fail to do so, we will remove the dependent when we discover the ineligible dependent while auditing our plans, and there will be no refund of premiums paid. If you cover your grandchild under the HISD benefits, you must have either a legal custody document or legal guardianship document that allows you to cover them.
Dependent Verification Services (DVS). If you add a dependent to your medical, dental, or vision plan, you will be asked to verify that dependent. You will receive letters from the DVS department of the Benefits Service Center, and you will receive email reminders asking you to verify your dependents.
If you are adding dependents as a life event, you will also be asked to verify the life event. The information you receive from the DVS will tell you exactly which documents you need to provide.
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