Benefits
Medical
Medical insurance provides essential coverage for a wide range of healthcare needs—from routine checkups and preventive care to major medical services like surgeries and hospital stays. With access to a network of trusted providers, this coverage helps manage healthcare costs, protects against unexpected expenses, and supports overall wellness for individuals and families.
SBC – BCB – MTBCP004H PPO HSA – 202509
SBC – BCB – MTBCP531 PPO – 202509
SBC – BCB – MTBEE508 HMO – 202509
Telemedicine
Telemedicine gives you 24/7 access to licensed doctors and healthcare providers by phone or video—anytime, anywhere. It’s a convenient, affordable way to get care for common conditions like colds, flu, allergies, or skin issues without leaving home. Many services also include mental health support and prescription refills, helping you save time and avoid unnecessary trips to the doctor’s office.
Dental
Dental insurance helps cover the cost of preventive care, basic procedures, and major dental work—keeping your smile healthy and your out-of-pocket costs manageable. Coverage typically includes routine exams, cleanings, x-rays, fillings, and more extensive services like crowns or dentures. Regular dental care not only supports oral health but also contributes to overall well-being.
Benefit Summary – High Plan with Ortho
Vision
Vision insurance provides essential coverage for eye care, ensuring that individuals and families can maintain optimal eye health and clear vision. With a vision insurance plan, members gain access to routine eye exams, prescription glasses, contact lenses, and discounts on corrective eye surgeries. This coverage not only helps manage the cost of eye care but also promotes regular check-ups, which can detect early signs of eye conditions and other health issues. Enjoy the benefits of improved vision and overall well-being with comprehensive vision insurance.
FSA
A Flexible Spending Account (FSA) is a pre-tax benefit that allows you to set aside money to pay for eligible out-of-pocket healthcare expenses. Use your FSA for things like copays, prescriptions, medical supplies, dental and vision care. Because contributions are made before taxes, an FSA lowers your taxable income—helping you save money while planning ahead for everyday health expenses.
HSA
A Health Savings Account (HSA) is a tax-advantaged account that lets you save and pay for qualified medical expenses. Available to those with a high-deductible health plan (HDHP), it offers triple tax savings: contributions are tax-free, growth is tax-free, and withdrawals for eligible expenses are tax-free. Funds roll over each year and stay with you—even if you change jobs or retire.
Life/AD&D
Life and Accidental Death & Dismemberment (AD&D) insurance provides financial protection for your loved ones in the event of your death or a serious accident. Life insurance pays a benefit to your beneficiaries if you pass away, while AD&D provides additional coverage for accidental death or severe injuries like loss of limbs or eyesight. This coverage helps ensure financial stability during life’s most difficult moments.
Basic Life and AD&D Benefit Summary
Vol Life and AD&D Benefit Summary
Disability
Disability insurance helps protect your income if you’re unable to work due to illness, injury, or pregnancy. It replaces a portion of your paycheck—short-term coverage is designed for temporary conditions, while long-term coverage supports extended or permanent disabilities. This benefit provides financial security so you can focus on recovery without worrying about everyday expenses.
Employee Assistance Program
An Employee Assistance Program (EAP) offers free, confidential support to help you navigate life’s challenges—at work and at home. Services include counseling for emotional well-being, resources for legal and financial concerns, work-life balance tools, and 24/7 access to digital support. Whether you’re facing stress, relationship issues, or financial planning needs, the EAP is here to help you thrive.
Other Benefits
Accident
Accident insurance provides a financial safety net when unexpected injuries happen. It pays a lump-sum benefit to help cover out-of-pocket costs like emergency care, hospital stays, X-rays, or follow-up treatments after an accident. This coverage helps ease the financial stress so you can focus on recovery—not bills.
Critical Illness
Critical illness insurance offers a lump-sum payment if you’re diagnosed with a covered serious illness, such as cancer, heart attack, or stroke. This benefit can be used for anything you need—medical bills, travel for treatment, or everyday expenses—giving you financial flexibility and peace of mind during a challenging time.
Critical Illness Benefit Summary
Hospital Indemnity
Hospital indemnity insurance provides a cash benefit when you’re admitted to the hospital due to illness or injury. It helps cover expenses that your medical plan may not—like deductibles, transportation, or lost income. Benefits are paid directly to you, so you can use them however you need during a hospital stay.
Hospital Indemnity Benefit Summary
Lifetime Benefits
Lifetime Benefit Term (LBT) insurance offers long-term life insurance protection with added living benefits. It provides a guaranteed death benefit and may include access to a portion of funds while you’re still living—often for chronic or terminal illness care. With coverage that can last a lifetime and flexibility to use benefits when needed, LBT combines life insurance and future planning in one.
P34544TX Policy-Schleicher County ISD
Cancer
Cancer insurance provides a lump-sum or benefit-based payout if you’re diagnosed with cancer. This supplemental coverage helps with costs that may not be fully covered by your medical plan—like chemotherapy, radiation, travel, lodging, and lost income—so you can focus on treatment and recovery without financial strain.
Level 3 Certificate of Coverage
Level 4 Certificate of Coverage
ID Theft Protection
Identity theft protection helps safeguard your personal information and finances. This benefit includes credit monitoring, fraud alerts, identity restoration services, and access to specialists who can help resolve issues quickly. If your identity is compromised, you’ll have expert support to recover and minimize the impact—giving you peace of mind in a digital world.
Medical Transport
Medical transport insurance covers the high cost of emergency medical transportation, including ground or air ambulance services. Whether you’re facing a serious accident or medical crisis, this coverage ensures you get to the nearest appropriate facility without worrying about unexpected bills—often not fully covered by standard health insurance. Peace of mind when every second counts.
MASA Emergent Plus Membership Plan