Benefit Options

  • CIGNA - UBC Allegiance Plans  (District Contribution $310 per month)

    Three options available - HD, Standard, Enhanced Plan:

    • HD - $3000 deductible / $8100 out-of-pocket max.
    • Standard - $2500 deductible / $9000 out-of-pocket max a year, $35 primary and $70 Specialist.
    • Enhanced - $1500 deductible / $6000 out-of-pocket max, $35 primary and $50 Specialist.

Press the enter key or spacebar to expand or collapse the accordion

  • Vision—Eye Med
    • $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

Press the enter key or spacebar to expand or collapse the accordion

  • Accident Plan - Metlife (Low and High Plan)

    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 - Unum (Low and High Plan)

    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 - Metlife (Low and High Plan)

    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 - CIGNA (Low and High Plan)

    Supplemental coverage helps offset out-of-pocket costs you experience due to deductible and out-of-pocket maximums in your employer's medical plan.  there are two plan options:  High / Low - Hospital Admissions $2500 / $1500 per insured.  Newborn nursery admission of $500.  Hospital Confinement $200/$100 day, up to 30 days.

Press the enter key or spacebar to expand or collapse the accordion

  • 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 $2850.

     

    If funds are not used by 08/31/2023, 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 08/31/2023, 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 $3600.

     

    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 $7200.

Press the enter key or spacebar to expand or collapse the accordion

  • DHMO - Lincoln Financial

    • 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 - Lincoln Financial (Low and High Plan)

    • 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 children and adults

Press the enter key or spacebar to expand or collapse the accordion

  • 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

Press the enter key or spacebar to expand or collapse the accordion

  • 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.

Press the enter key or spacebar to expand or collapse the accordion

  • 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.

    2022 Annual Contribution Limits

    • In 2022, you can contribute 100 percent of your compensation up to $20,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,500 for a total of $27,000. You may simultaneously contribute to both 403(b) and 457(b) plans.

     

    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.

    2022 Annual Contribution Limits

    • In 2022, you can contribute 100 percent of your compensation up to $20,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,500 for a total of $27,000. You may simultaneously contribute to both 403(b) and 457(b) plans.

    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:

Press the enter key or spacebar to expand or collapse the accordion