An eligible full-time employee who works at least 25 hours a week is eligible for all benefit options. Eligible employees who work less than 25 hours a week may purchase a medical plan by paying the Total Monthly Rate. Substitutes, long-term subs, adult temps, student helpers, volunteers, etc., are not eligible for benefits.

An open enrollment period is held every year (November/December), and employees may make any benefit changes they would like, which will take effect on the next January 1. Benefit changes after January 1 are only allowed as a result of a change in status.

Anyone newly added to the Plan at any time is subject to the pre-existing condition limitations. (Birth/adoption may be exempt if addition requested within 30 days.)

Summary of Coverage Changes Effective 1/1/2008 (37 KB)

Medical Plans
Non-Medical Alternate Plan
Dental Plans
Vision Plan
Optional Life Insurance
Disability Insurance
Long-Term Care Insurance
Flexible Benefit Plan
Disease Management Programs
Maternity Support Program
24/7 Nurse Advice Line

Medical Plans

Monthly Rates & Benefit Comparison Charts (31 KB)

Complete coverage details are provided in the 2008 Plan document.

Each medical plan includes a term life/AD&D policy of $20,000 for the employee.
MetLife Certificate-Basic Life Insurance Included with Medical Plans (218 KB)

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Non-Medical Alternate Plan

This plan is an excellent choice for employees who have group medical coverage through another employer or private carrier, and do not need medical coverage through the Plano ISD. Please note that this plan is not medical coverage. For each day of in-patient hospital confinement, this plan pays $500 directly to the employee for a maximum of 60 days per calendar year. Since this is not medical coverage, you must file all hospital claims with your group medical plan, and then file a separate claim under this plan upon your release from the hospital. The non-medical alternate plan cannot be chosen if you select a PISD medical plan. Coverage under the non-medical alternate plan is for the employee only. Also included is a term life/A&D policy of $50,000.

MetLife Certificate-Basic Life Insurance Included with Alternate Plan (218 KB)

	Monthly Payroll Deduction
Employee Only	$0.00

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Dental Plans

Monthly Rates & Benefit Comparison Charts (14 KB)

Complete coverage details are provided in the 2008 Plan document.

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Vision Service Plan

Vision insurance is provided through Vision Service Plan, Inc. Using one of the optometrists in their national network provides the best benefit. To search their network list, visit their web site.

If using a VSP network optometrist, the plan benefits are:

$25 deductible
100% coverage for regular vision exam, once every 12 months
100% coverage for regular lenses (single vision, lined bifocal, lined trifocal), once every 12 months
$120 towards frames, once every 24 months
$120 towards contact lenses, once every 12 months (this benefit would take the place of any benefit for glasses, both lenses and frames)
Discount for laser vision correction at certain providers
No claims to file
Pay only your portion of the cost at the time of your appointment

If using a non-VSP optometrist, the plan benefits are:

Up to $45 reimbursement for regular vision exam
Up to $45 reimbursement for single vision lenses
Up to $65 reimbursement for lined bifocal lenses
Up to $85 reimbursement for lined trifocal lenses
Up to $47 reimbursement for frames
Up to $105 reimbursement for contact lenses
You must file your claims
You must pay in full at the time of your appointment

Additional diagnostic tests, services, and lens treatments (high-index, transition lenses, etc.) may qualify for a discount, or may not be covered by this plan at all. The VSP network optometrist can explain what is covered and what your costs will be.

	Monthly Payroll Deduction
Employee Only	$9.75
Employee & Family	$20.90

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Optional Life Insurance

You may apply for MetLife life insurance at any time. Applications for new or increased coverage are subject to evidence of insurability, and will be effective the first of the month following underwriting approval. Forms to add, change, or cancel this coverage are available online, and may be submitted at any time during the year.

MetLife Certificate-Optional Life Insurance (224 KB)

For Employees
	Monthly Payroll Deduction
Amount of Coverage	Age 39 and Under	Age 40 and Over
$20,000	$1.20	$3.00
$30,000	$1.80	$4.50
$40,000	$2.40	$6.00
$50,000	$3.00	$7.50
$60,000	$3.60	$9.00
$70,000	$4.20	$10.50
$80,000	$4.80	$12.00
$90,000	$5.40	$13.50
$100,000	$6.00	$15.00
$110,000	$6.60	$16.50
$120,000	$7.20	$18.00
$130,000	$7.80	$19.50
$140,000	$8.40	$21.00
$150,000	$9.00	$22.50
$160,000	$9.60	$24.00
$170,000	$10.20	$25.50
$180,000	$10.80	$27.00
$190,000	$11.40	$28.50
$200,000	$12.00	$30.00
$210,000	$12.60	$31.50
$220,000	$13.20	$33.00
$230,000	$13.80	$34.50
$240,000	$14.40	$36.00
$250,000	$15.00	$37.50
$260,000	$15.60	$39.00
$270,000	$16.20	$40.50
$280,000	$16.80	$42.00
$290,000	$17.40	$43.50
$300,000	$18.00	$45.00
$310,000	$18.60	$46.50
$320,000	$19.20	$48.00
$330,000	$19.80	$49.50
$340,000	$20.40	$51.00
$350,000	$21.00	$52.50
$360,000	$21.60	$54.00
$370,000	$22.20	$55.50
$380,000	$22.80	$57.00
$390,000	$23.40	$58.50
$400,000	$24.00	$60.00

For Dependents

You may purchase life insurance on your spouse and/or children; however, you must be enrolled in at least $20,000 employee optional life insurance in order to request dependent life insurance. Spouses are eligible for life insurance if they are under age 70. Children are eligible for life insurance if they are between ages 15 days to 21 years (or up to 25 years old if a full-time student). New dependent life insurance requests are subject to evidence of insurability and will be effective the first of the month following underwriting approval. Forms to add, change, or cancel this coverage are available online, and may be submitted at any time during the year.

Two plans are available:
Plan A - $5,000 for spouse / $2,000 for each child - Total Monthly Cost $2.50
Plan B - $10,000 for spouse / $4,000 for each child - Total Monthly Cost $6.00

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Disability Insurance

Assessing Your Need for Disability Insurance (254 KB)

There are 4 elimination (waiting) periods to choose from, so you can tailor the plan to fit your particular circumstances (sick leave, savings, etc.). Premiums are based on your age, benefit level, and elimination period. Benefits are paid directly to you, and are not subject to taxes.

Brief Plan Highlights (53 KB)
UNUM Certificate of Coverage (125 KB)

Disability Plan Rates:
7/7 elimination period (46 KB)
14/14 elimination period (46 KB)
30/30 elimination period (46 KB)
90/90 elimination period (46 KB)

Why should you enroll in disability insurance? When accidents or long-term illness arise, most people see their expenses go up, and their income go down. Disability income protection insurance can be very beneficial, and is most appreciated when the unexpected happens. Please review the UNUM disability plan offered through the district, and consider enrolling.

Important Procedures for Disability Plan:

You may add this benefit mid-year only if you are a new employee. This should be done within the first 60 days of employment. Otherwise, you may add, change, or cancel this benefit only during the annual open enrollment period. Proof of good health is not required, but pre-existing condition limitations will apply.
You may select any benefit amount up to two-thirds of your gross monthly salary. The maximum benefit available is $7,500.
You will be responsible for requesting annual increases to your benefit level due to salary increases. Automatic increases are not given, unless you are enrolled in the maximum benefit level allowed for your salary.
To use the disability insurance for maternity, it must be in effect prior to conception.

Forms to add, change, or cancel this coverage are available online. Remember, you may only submit paperwork for the disability insurance as a new employee or during the annual open enrollment period.

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Long-Term Care Insurance

Today, people are living longer than ever before. We're also surviving once fatal illnesses and accidents that can occur at any age. However, we're not always healthier. The advanced technology that makes it possible to save more lives doesn't always restore health.

Nearly half of us, at some time in life, will need assistance with day-to-day functions like transferring (getting in and out of bed or a chair), eating or dressing, whether in a nursing home, assisted living facility or at home. (American Health Care Association, 12/98) If you're concerned about these possibilities, you might be interested in group long-term care insurance.

The long-term care insurance plan sponsored by TRS and administered by Aetna is available to employees and their spouses, parents, parents-in-law, and grandparents. The plan is portable, meaning you can keep it if you resign or retire from PISD. To learn about the features of this plan, or to request enrollment materials, please call Aetna at 1-877-894-2462 or visit their web site .

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Disease Management Programs - 1-888-254-1251

The PISD health plan has partnered with Nationwide Better Health (formerly called FutureHealth) to provide disease management programs to assist you in managing your health. A personal health coach is available for all persons covered by our medical plans who have diabetes, asthma, coronary artery disease, congestive heart failure, chronic obstructive pulmonary disease, or low back pain. You will receive educational materials, explanations, and suggestions to help you comply with your doctor’s orders, and answers to any questions you may have about your condition. In addition, NBH makes outreach calls to contact members, but you may self-refer at any time. You can also access information on their web site.

Maternity Support Program - 1-888-254-1251

This program is available to any pregnant employee or spouse who is covered by one of our medical plans. The Nationwide Better Health Maternity Management Program (87 KB) is a special service, available through our partner Nationwide Better Health (formerly called FutureHealth), to support you during your entire pregnancy. The maternity nurses are able to provide pre-natal and maternity information and advice, explain your doctor’s instructions, and answer your questions about pregnancy, childbirth, breastfeeding and newborn care. Please call today to begin working with a personal health coach. Helpful information is also available on their web site.

24/7 Nurse Advice Line - 1-800-858-8769

All full-time employees and their immediate family members are eligible to take advantage of the free, confidential nurse advice line, which is available 24 hours a day, every day of the year. This program is available to you even if you waive coverage under the health plan. You may call and speak with a qualified nurse at any time for health care advice, information, and triage. Also, please visit their web site for additional information.

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