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Benefits
  • Vision—Ameritas

    • $10 co-pay for eye exam
    • $10 co-pay for eyeglass basic lenses
    • $180 frame allowance OR $180 contact lens allowance
    • Frequency of benefit: Exam—once every 12 months; lenses or contact lenses— once every 12 months; frame—once every 12 months
    • Must choose an in-network provider for less out-of-pocket expense
    • Employees will receive ID cards via USPS
  • Accident Plan - Metlife

    This plan is designed to help you cope with the costs associated with unexpected accidents. Despite having health insurance, out-of-pocket costs may add up quickly when you factor in expenses like co-payments and deductibles.

    Critical Illness Plan - AFLAC

    Receiving news that you’ve been diagnosed with a critical illness can impact your financial and emotional stability. Paying for treatment can be costly and your savings may not cover everything. These plans are designed to help you through the illness.

    Cancer Plan - Allstate

    If you are suddenly diagnosed with cancer, it might present a challenge to your family’s financial and emotional stability. This plan can help provide financial security as you undergo treatment and are not able to work.

    Legal Plan - ARAG

    This plan can give you the peace of mind to know that you have access to legal assistance for qualifying services when you need it.

    Motor Club - Fortegra
    This plan provides participants with roadside assistance benefits such as help with a battery jumpstart, change of a tire, locksmith services, and many more.
  • Flexible Spending Accounts (FSAs)

    Flexible spending is medical reimbursement account that allows you to set aside money from your paycheck to use for medical, dental, vision, and prescription cost for you and your dependents. Maximum benefit amount per year is $2600.


    If funds are not used by 08/31/2018, you lose them.



    Dependent Care Account

    Dependent reimbursement acccount allows you to set aside money from your paycheck to use for child care expenses for children up to age 13, or disabled dependents.


    If funds are not used by 08/31/2018, you lose them.



    Health Savings Account (HSA)

    Employee only coverage - Medical reimbursement account that allows you to set aside money from your paycheck to use for medical, dental, vision, and prescription cost for you. Maximum bene t amount per year is $3400.

     

    Account balance will rollover from year to year.


    Family coverage - Medical reimbursement account that allows you to set aside money from your paycheck to use for medical, dental, vision, and prescription cost for you. Maximum bene t amount per year is $6750.

  • DHMO - Humana

    • No claim forms
    • No deductibles
    • No pre-existing conditions
    • No annual maximum
    • Must choose from the Directory of Dentists
    • Orthodontia coverage for up to 24-months
    • New enrollees will receive ID card via USPS

    PPO - Humana

    • Freedom to choose dentists in- or out-of-network
    • Out-of-pocket costs are lower if you chose from the Preferred Provider list of “in-network” dentists
    • Annual deductible of $50 per individual; $150 per family; annual maximum benefit of $1,500 per person per year
    • Preventive care (e.g., cleaning, exams) is paid at 100% and not subject to the deductible
    • Basic restorative care (e.g., x-rays, fillings, gum treatments) is paid at 80% up to annual maximum
    • Major services are covered at 50% up to annual maximum
    • Twelve-month waiting period for major services
    • Orthodontia lifetime maximum of $1,000, for eligible dependents under age 19
  • Life Insurance - SunLife Group Term

    • Coverage available for spouse and child(ren) ONLY if you have coverage for yourself
    • For amounts of coverage still in underwriting after September 1, 2017, the effective date of coverage will be the first day of the month following the date of approval by Sun Life
    • This policy has age-banded rates for employees, spouse and children. The policy will age the insured as of their age on September 1 of each year and rates will be based on your age-band for that plan year

    Life Insurance - Texas Life Whole Life

    • Express Issue coverage available for employee, spouse, child(ren) and grandchildren
    • Chronic Illness Rider – the policyholder is eligible to withdraw 92% of the face value to help cover the cost of unexpected expenses caused by long term care facilities and in home nursing. See brochure in Reference Center for details.
    • Employees age 49 and under: eligible to receive up to $300,000 Express Issue
    • Employees age 50-65: eligible to receive up to $100,000 Express Issue
    • Spousal express issue coverage up to $50,000, varies based on spouse age.
    • Additional coverage amounts available subject to medical underwriting and approval.
    • Child(ren) and Grandchildren eligible to receive up to $50,000
  • Short Term Disability—Unum

    • Pays 60% of salary up to $1,250 per week
    • Guaranteed issue coverage for everyone, pre-existing may apply
    • Policy pays from day 8 of disability and continues up to a maximum of 90 days

    Long Term Disability—Unum

    • The cost of this coverage is paid entirely by Goose Creek CISD and covers all full-time employees
    • In the event that you become sick or injured and are unable to work, disability insurance will step in to help take the place of your missing paycheck after you have been out of work for 90 days
    • Pays 60% of salary up to $5,000 per month
    • Pays after day 90, up to five years, or to age 65
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