Benefit Options

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  • $10 employee or family coverage with behavioral health included and no consultation fee. 
     
     

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  • Vision—Met Life Low Plan
    • $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 expenses
    Vision- Met Life High Plan
    • $10 co-pay for eye exam
    • $10 co-pay for eyeglass basic lenses
    • $250 frame allowance 
    • Second Pair Plan Enhancement includes 2 pairs of prescription eyeglasses or One pair of prescription eyeglasses and an allowance toward contact lenses or double your contact lens allowance which is an additional $250 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 expenses

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  • Accident Plan - Aetna

    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 - Aetna
    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 - Guardian
    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.
     
    Hospital Indemnity Plan - Aetna
    Supplemental coverage helps offset out-of-pocket costs you experience due to deductible and out-of-pocket maximums in your employer's medical plan.  Hospital Admissions $2500 per insured.  Newborn nursery admission of $1000.  Hospital Confinement $100 day, up to 30 days.  Health screenings provide a $50 benefit to you.

    cket costs may add up quickly when you factor in expenses like co-payments and deductibles.

     

    Critical Illness Plan - Aetna

    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 - Guardian

    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.

     

    Hospital Indemnity Plan - Aetna

    Supplemental coverage helps offset out-of-pocket costs you experience due to deductible and out-of-pocket maximums in your employer's medical plan. Hospital Admissions $2500 per insured. Newborn nursery admission of $1000. Hospital Confinement $100 day, up to 30 days. Health screenings provide a $50 benefit to you.

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  • 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 $3300. 

     

    If funds are not used by 12/31/2025, you lose them.

     

    Dependent Care Account

    Dependent reimbursement account 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 12/31/2024, 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 benefit amount per year is $4,150. Short plan year max is $1,383.

     

    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 benefit amount per year is $8,300. Short plan year max is $2,767.

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  • Life Insurance -Lincoln Financial (Group Term and AD&D)

    • Coverage available for spouse and child(ren) ONLY if you have coverage for yourself
    • 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

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  • Disability Combination Plan— The Hartford (Short and Long Term Disability)

    • Pays 60% of salary up to $8000 a month.
    • 7, 14, 30, 60, 90, 180 days elimination period.  (Elimination period is how long you have to be off work before your disability payment will start.)
    • Guaranteed issue coverage for everyone, pre-existing may apply
    • Policy pays from according to elimination period up to a maximum of 90 days for short term benefits.
    • Pays after day 90, up to social security age or retirement for long term benefits.

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  • 457(b) Savings Plan

    • Your employer offers the RAMS 457(b) voluntary retirement plan as a way to help you save for life beyond your prime working years. A 457(b) plan allows you to save money by making salary contributions on pre-tax or after-tax (Roth) basis. You have the ability to start, stop, increase or decrease contributions any time. TCG is the plan administrator and advisor.
    • Enrolling in a 457(b) savings plan can help bring financial stability and security for life upon retirement. By participating, you can lower your current taxes or earn tax-free income, bridge your retirement income gap, and achieve financial independence. You need a low-fee, high quality savings plan to help you meet a comfortable lifestyle upon retirement.

    2025 Annual Contribution Limits

    • In 2025, you can contribute 100 percent of your compensation up to $23,500, whichever is less. 
    • Here are some other contribution limits for 457(b) plans in 2025: 
      • Catch-up limit for those 50 and older: $7,500
      • Higher catch-up limit for those 60–63: $11,250 

     

    403(b) Savings Plan

    • A 403(b) is a voluntary retirement plan that allows you to save money in a pre-tax (Traditional) or after-tax (Roth) account. Contributions to the plan are salary-deducted from your paycheck and automatically deposited into your 403(b) retirement savings account. Please note that early withdrawals from a 403(b) account are subject to a 10% early withdrawal penalty.
    • TCG is the 403(b) plan administrator—managing your contributions, distributions, and personal updates. Money and investments are held with the vendor of your choice.
    • To get started, visit www.region10rams.org/documents and find your employer’s 403(b) Approved Vendor List. Open an account by contacting one of the approved 403(b) providers directly. Next, register access to your RAMS 403(b) administration account with and set up salary deferrals at www.region10rams.org/enroll.

    2025 Annual Contribution Limits

    • The projected maximum contribution to a 403(b) plan in 2025 is $23,500 for employees under 50 years old. The catch-up contribution limit for employees 50 and older will remain at $7,500. 
     

    Get started at www.region10rams.org


    Enrollment assistance is available at www.region10rams.org/telewealth
    or by calling the Enrollment Hotline at 512-600-5204.

     

    Documents:

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