Important Things to Know for 2012-2013

• NEW National Benefit Services will be the new Section 125 Third Party Administrator (TPA) for Lubbock-Cooper Independent School District. A NEW NBS Flex Card will be issued to those employees who participate in the Flex Card option. The flex card fee is $1.50 and you will receive two flex cards. Direct deposit is available. The medical reimbursement annual maximum is $2,400 / plan year and the dependent care reimbursement annual maximum is $5,000 / plan year if married, filing jointly and $2,500 / plan year, if filing single. Please remember to keep your receipts if you use your Flex Card! As a result of the Health Care Reform Act, the maximum annual contribution for your Medical Reimbursement will be $2,500 starting September 1, 2012.
  
  If you currently participate in the medical or dependent care reimbursement flexible spending accounts, you MUST log in and elect this benefit every year. If you do not re-enroll annually, your participation will automatically be waived.
  
  
• NEW PDP Dental Insurance by Cigna: This Plan is a Passive PPO which allows you to use the dentist of your choice. $50 deductible / $150 family max, Calendar Year Maximum Annual: Year 1 - $1,000, Year 2- $1,100, and Year 3 -$1,200+ and Year 4 - $1,300 Calendar Year Maximum. Plan pays 100% for Preventative & Diagnostic Care, 80% for Basic Restorative Care, 50% for Major Restorative Care, and 50% for Orthodontia. Plan offers a $1,000 Lifetime Maximum for Orthodontia to age 19 for dependent children. Cigna uses the Radius Network.
  
  
• NEW Med-Link Insurance by American Public Life Medical Gap insurance is designed to cover any out-of-pocket deductible amount, and out-of-pocket co-payment or coinsurance amounts the Covered Person actually incurs after the Medical Plan has paid. There are two in-patient benefits available to choose from. The $1,500 in-patient benefit and $2,500 in-patient benefit available to employees that are enrolled in the Active Care 1 and Active Care 1HD. This plan also pays $200 outpatient benefit and $25.00 Physician Outpatient Benefit. There is a maximum of $125 per family for the Physician Outpatient Benefit. For a video with additional information, please click here.
  
  
• Benefits and rates will remain the same for the following coverage types: Block Vision, Unum Educator Disability,Transamerica Group Cancer, American Public Life Accident, 5 Star Voluntary Group Term Life/AD&D and Texas Life Individual Life.
  
  
• Online Benefit Access: www.lcisdbenefits.com. You have access to benefit information 24/7 on the employee benefit website provided. You can review and print the consolidated benefit guide, download claimforms and plan summaries, links to carrier websites and provider searches.