• 2020-21 Plan Descriptions & Costs

  • Plans

  • TRS-ActiveCare Medical Plans

    Plan Information

    Monthly Premiums

    Provider Search

  • Dental Plans

    Offered to Employees/TRS Members working 25 or more hours per week (63%).

    Dental insurance is available through Delta Dental. Using an in-network dentist will provide the greatest savings.

    Plan Summaries
    Monthly Premiums
    PPO Search

  • Vision Plans

    Offered to Employees/TRS Members working 25 or more hours per week (63%).

    Both Vision Service Plan (VSP) and Davis Vision offer low & high plan options, with different coverage levels.  Each company has different strengths, so you have the flexibility to choose the best fit for you.

    Summaries & Premiums

    PPO Search

    ID Cards

    • VSP does not issue ID cards, although you can print a membership card from their web site if needed.  You'll tell your optometrist that your coverage is through VSP, and they will submit your claims.
    • Davis Vision will mail you an ID card, which you can present to your optometrist.

  • Life Insurance

    Offered to Employees/TRS Members working 25 or more hours per week (63%).

    For Employees

    Group term life insurance is available through Dearborn Life Insurance (owned by Blue Cross Blue Shield). You may apply for 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. This premium cannot be deducted pre-tax.

    Monthly Premium Chart

    Application Form - return completed form to PISD Benefits Department

    When you reach age 70, the value of the life insurance is half the original value.  For example, if you apply for $150,000, at age 70 the coverage will reduce to $75,000.

    For Dependents

    You may purchase term life insurance on your spouse and/or children; however, you must be enrolled in employee life insurance in order to request dependent life insurance. Spouses are eligible until age 70, and children are eligible until age 26. New applications are subject to evidence of insurability and will be effective the first of the month following underwriting approval. This premium cannot be deducted pre-tax.

    Two plans are available:

    Plan A - $5,000 for spouse / $2,000 for each child - Total Monthly Cost $2.12
    Plan B - $10,000 for spouse / $4,000 for each child - Total Monthly Cost $5.10

    Extra Features

    • Beneficiary Resource Services - will preparation, funeral planning, counseling for beneficiaries regarding grief, legal, and financial issues after a death
    • College Assistance Plan - helping you plan for, pay for, and reduce the cost of college
    • Office Depot Discount - 10% discount on most office supplies - contact PISD benefits office for details
    • Travel Resource Services - emergency assistance when traveling 100 or more miles from home

  • Disability Insurance

    Offered to Employees/TRS Members working 25 or more hours per week (63%).

    Disability insurance is available through Cigna.  You may choose from 4 elimination periods (7 days, 14 days, 30 days, or 90 days), which is the length of time you must be off work before benefit payments can begin. The 7, 14, and 30 day plans also include a first-day hospital benefit, which begins benefit payments immediately following a 24-hour inpatient hospital admission with room & board charges.

    Coverage may be added within the first 31 days of employment, or during the annual open enrollment period. Proof of good health is not required, but pre-existing condition limitations will apply. Premiums are based on your age, benefit level, and elimination period. Benefits are paid directly to you, and are not subject to taxes.

    Why enroll in disability insurance?

    Coverage Highlights

    Monthly Premium Charts

    Please Note:

    • Pregnancy: The disability plan will cover pregnancy claims if the coverage took effect prior to conception. Benefits will be based on the lower of the coverage you had at the time you became pregnant or the time your claim begins.
    • Other income offsets: If you also receive certain types of other income (such as social security, retirement, or workers compensation), any benefit payments from the disability plan will be offset by the amount of the other income.
    • You may select any benefit level up to two-thirds of your gross monthly salary. You are responsible for requesting annual coverage increases. If your benefit level is not at the maximum allowed, any increase you make in future years will be subject to pre-existing limitations. 

  • Health Savings Account

    Offered to Employees/TRS Members working 25 or more hours per week (63%).

    The District offers various accounts for you to set aside part of your pay on a pre-tax basis to pay for eligible expenses. While all of these accounts help with pre-tax expenses, there are significant differences. If you choose to enroll, be sure to choose the account that is right for your circumstances.

    HSA Resources          Eligible Expenses          Frequently Asked Questions          Myths vs Facts

    Health Savings Account

    • Can only be chosen if you are enrolled in a High Deductible Health Plan (HDHP), such as ActiveCare HD
    • Cannot be chosen if you are enrolled in Medicare or Tricare, or if anyone else can claim you as a dependent for tax purposes
    • Cannot be chosen if either you or your spouse is enrolled in a traditional/general FSA
    • For medical, dental, and vision expenses
    • For you, your spouse, and dependent children, even if not covered on insurance
    • No minimum contribution
    • Maximum $3,550 annually if HDHP medical plan enrollment is for employee only, or $7,100 annually if HDHP medical plan enrollment includes any family members
    • Maximum contributions are combined if both you and your spouse each have an HSA
    • Money is not available up front
    • Account balance rolls over from year to year, earns interest along the way, and stays with you even if you leave PISD
    • Contribution amount can be changed during the year
    • Monthly administration fee $2.00 will be paid from your account balance

    Flex Card

    The flex card can provide added convenience for paying eligible expenses from your FSA or HSA, although you still have the option to submit paper claims. The card allows immediate access to the funds in your account at the time you need them. The card will work only at specific merchants based on the type of account you are enrolled in.

    Use of the flex card does not remove your responsibility to keep all receipts and documentation to prove the eligibility of an expense. For HSA, you are responsible for using the account appropriately within IRS regulations.

    Contributions to your HSA through payroll deductions may take up to 1 week to appear in your account due to processing time.

  • Flexible Spending Accounts

    Offered to Employees/TRS Members working 25 or more hours per week (63%).

    The District offers various accounts for you to set aside part of your pay on a pre-tax basis to pay for eligible expenses. While all of these accounts help with pre-tax expenses, there are significant differences. If you choose to enroll, be sure to choose the account that is right for your circumstances.

    FSA Information          Eligible Expenses

    Health Care FSA

          General Health FSA

    • Cannot be chosen if you enroll in a Health Savings Account
    • For medical, dental, and vision expenses
    • For you, your spouse, and dependent children, even if not covered on insurance
    • Minimum $25 per month
    • Maximum $226 per month
    • Full annual amount is available up front
    • Use it or lose it - only contribute what you know you will spend within the plan year
    • Enrollment is irrevocable for the rest of the plan year, except in limited circumstances
    • Monthly administration fee $3.00 will be payroll-deducted

          Limited Purpose FSA

    • Can be chosen if you enroll in a Health Savings Account, but is not required - Limited FSA Flyer
    • For dental and vision expenses only
    • For you, your spouse, and dependent children, even if not covered on insurance
    • Minimum $25 per month
    • Maximum $226 per month
    • Full annual amount is available up front
    • Use it or lose it - only contribute what you know you will spend within the plan year
    • Enrollment is irrevocable for the rest of the plan year, except in limited circumstances
    • Monthly administration fee $3.00 will be payroll-deducted

    Dependent Care FSA

    • For dependent care expenses such as day care for children or a disabled spouse - Frequently Asked Questions
    • Minimum $25 per month
    • Maximum $413 per month (or $205 if married filing separate tax returns)
    • Take summer months into consideration when calculating contributions - payroll deductions continue in the summer
    • Electing this account may affect your eligibility for the Federal Income Tax Credit
    • Use it or lose it - only contribute what you know you will spend within the plan year
    • Enrollment is irrevocable for the rest of the plan year, except in limited circumstances
    • Monthly administration fee $3.00 will be payroll-deducted

    Flex Card

    The flex card can provide added convenience for paying eligible expenses from your FSA or HSA, although you still have the option to submit paper claims. The card allows immediate access to the funds in your account at the time you need them. The card will work only at specific merchants based on the type of account you are enrolled in.

    Use of the flex card does not remove your responsibility to keep all receipts and documentation to prove the eligibility of an expense. For FSA, the IRS requires the administrator to audit every transaction so they may request copies of your documentation to validate a transaction.

  • Long-Term Care Insurance

    Enrollment and administration of the long-term care insurance is handled by Genworth, not PISD.

    Did you know that 42% of people receiving long term care services are under age 65? Many people think a long term health event would be covered by their health or disability insurance. However, plans like TRS-ActiveCare are not designed to cover long term custodial care costs. Only long term care insurance is designed to help pay for many of the care services you may need in your own home, in an assisted living or nursing facility.

    With the right long term care insurance in place, you can help protect your family's financial security, have more control over decisions about your custodial care, and take comfort knowing that you're confidently moving toward a more secure and independent future.

    TRS' group long term care insurance program can help get you there. TRS has selected Genworth Life Insurance Company as their group long term care insurance underwriter.

    To learn more details about this program, including eligibility, costs, benefits and any restrictions that apply:

    Call 1-866-659-1970, or
    Go to www.genworth.com/trsactivemember
    Group ID: TRS
    Access Code: groupltc

  • When can I enroll?

    1. Within 31 days of becoming eligible for coverage; or
    2. Within 31 days of a qualified change in status; or
    3. During the annual open enrollment period, prior to the start of each plan year.

    How are premiums paid?

    Paycheck schedules vary by job type, which affects how premiums are paid during the year and for the summer months. Contact the benefits office if you have questions about your premium deductions.