TRS-ActiveCare provides health care coverage for you and your family in case of illness or injury. The plans cover many health care needs, including preventive care and physician office visits, inpatient and outpatient services, behavioral health, prescription drugs, and more.

• Medical – Plan Highlights
• Medical – TRS BCBS Website
• Medical – Primary SBC
• Medical – Primary+ SBC
• Medical – HD SBC
• Medical – AC 2 SBC (Closed Plan)

Good dental care is critical to your overall well-being. With Dental insurance, you can get the attention your teeth need — at a cost you can afford.

Please see plan summary for my in-depth information.

• Dental – Benefit Summary
• Dental – Certificate of Coverage
• Dental – Policy
• Dental – FAQs
• AlwaysAssist.com

Your vision health is an important part of complete wellness. Vision benefits are designed to give you and your covered family members the care, value, and service to help maintain good vision and overall health. This plan encourages yearly exams along with the frames and lenses you want.

Please review plan summary for more detailed information.

• Vision – Benefit Summary
• Vision – Certificate of Coverage
• Vision – Policy
• AlwaysAssist.com

Flexible Spending Accounts are a way to build up funds to pay for uninsured medical expense. Through convenient payroll deductions, you can elect a monthly amount to be placed in a Flexible Spending Account that you can use for you or your families needs. Payroll deductions are taken on a tax free basis and there is no taxation on the funds when you use them.

Please review plan summary for more detailed information.

• FSA – Sec. 125 Plan Document
• FSA – Sec. 125 Summary Plan Description
• FSA – What is a FSA?
• FSA – What is a Dependent Care Assistance Program?
• FSA – Service Center Flyer
• FSA – NBS Smart Card
• FSA – NBS Mobile App
• FSA – Choosing Between an HSA & FSA
• FSA – Healthcare Expense Account Examples
• FSA – First Time NBS Login

Forms

• FSA – Orthodontia Care Expense Worksheet

A health savings account (also known as an HSA) is a tax-advantaged bank account you can open when you are enrolled in a qualified HDHP. The HSA provides a way to save for current and future health care expenses – with tax advantages along the way.

Please review plan summary for more detailed information.

• HSA – Sec. 125 Plan Document
• HSA – Sec. 125 Summary Plan Description
• HSA – What is a HSA?
• HSA – FAQs
• HSA – Service Center Flyer
• HSA – NBS Smart Card
• HSA – NBS Mobile App
• HSA – Choosing Between an HSA & FSA
• HSA – Healthcare Expense Account Examples
• HSA – First Time NBS Login

Most people assume that their health insurance will cover most, if not all, the costs for these transports. However, the opposite is usually true, leaving you with financial responsibilities. Medical Transport coverage pays these costs so you don’t have to.

• Med Transport – Plan Comparison
• Med Transport – MASA Platinum
• Med Transport – MASA Emergent Plus
• Claim Instructions

Telemedicine services allow doctors to treat patients via video chat/webcam, phone, or email. These services have grown in popularity in recent years and offer a cost-effective way to get quick and convenient access to medical care when you need it.

• Telehealth – Behavioral Health Flyer
• Telehealth – Urgent Care Flyer

Life insurance coverage is designed to help provide financial support and stability to your family should you pass away.

How does it work? You keep coverage for a set time, or “term.” If you die during that term, the money can help your family pay for living expenses, final arrangements, tuition and more.

AD&D Insurance is also available, which can pay a benefit if you survive an accident but have certain serious injuries. It can pay an additional amount if you die from a covered accident.

More coverage is also available through Voluntary Life and AD&D insurance. Please review plan documents below for more detailed information.

• Basic Life/AD&D – Benefit Summary
• Basic Life/AD&D – Certificate of Coverage
• Basic Life/AD&D – Policy
• Voluntary Life/AD&D – Benefit Summary
• Voluntary Life/AD&D – Certificate of Coverage
• Voluntary Life/AD&D – Policy
• Life/AD&D – Life Planning & Legal Resources
• Life/AD&D – Legal Benefits
• Life/AD&D – Worldwide Travel Assistance
• Life/AD&D – How to File a Claim

Whether you are married, a parent, or single and starting out, Universal Life helps take care of the people important to you if tragedy happens. Universal Life is flexible permanent life insurance designed to last a lifetime.

• Universal Life – Plan Summary
• Universal LifeEvents – Plan Summary

Forms

• Universal Life – Claim Form
• Universal Life – Designation of Beneficiary Form

Critical Illness Insurance protects you and your family in the event of a serious illness or other medical condition with portable coverage. Payments are made directly to the employee and can be applied to claims, household bills, or other expenses as needed.

• Critical Illness – Benefit Summary
• Critical Illness – Policy & Certificate of Coverage
• Critical Illness – How it Works
• Critical Illness – How to File a Claim
• Critical Illness – Claim Form

While treatments have greatly improved, the cost of treating cancer poses an enormous financial strain on those diagnosed and their families. Cancer Insurance helps fill the financial gaps when benefits stop being paid, or expenses are not covered under a basic health insurance policy. All funds from the policy are paid directly to you to use however you see fit.

• Cancer – Benefits Summary
• Cancer – Policy & Certificate of Coverage
• Cancer – How it Works
• Cancer – How to File a Claim
• Cancer – Claim Form

Hospital Indemnity Coverage can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Payments are made directly to the employee and can be applied to claims, household bills, or other expenses as needed.

• Hospital StayPay – Benefit Summary
• Hospital StayPay – Plan Highlights
• Hospital StayPay – Certificate of Coverage (High)
• Hospital StayPay – Certificate of Coverage (Low)
• Hospital StayPay – Claim Form

You do everything you can to keep your family safe, but accidents do happen. Take comfort knowing you have help to manage the medical costs associated with accidental injuries that occur both on- and off-the-job. Accident Insurance provides additional coverage to help cover medical expenses and living costs when you get hurt. All funds from the policy are paid directly to you to use however you see fit.

• Accident – Benefit Summary
• Accident – Policy & Certificate of Coverage
• Accident – How it Works
• Accident – How to File a Claim
• Accident – Claim Form

No matter how well you plan your life, you can be sure a few unforeseen challenges will arise. When they do, it’s reassuring to know that help and support are close at hand. That’s where a Legal Insurance Plan can help!

• Legal – Plan Comparison
• Legal – Certificate of Coverage (Ultimate Advisor)
• Legal – Certificate of Coverage (Ultimate Advisor Plus)
• Legal – When do you need an attorney?

Educator Disability Insurance is designed to maximize flexibility and simplicity. This insurance can pay you a weekly benefit if you have a covered disability that keeps you from working. As long as you remain disabled, you can continue to receive benefits. You have a choice of coverage amounts and benefit duration.

• Edu. Disability – Benefit Summary
  
• Edu. Disability – Certificate of Coverage
  
• Edu. Disability – Policy
  
• Edu. Disability – Rate Sheet
  
• Edu. Disability – Worksheet
• Edu. Disability – Worldwide Travel Assistance
• Edu. Disability – How to File a Claim

This plan gives you and your family access to additional benefits courtesy of Westwood ISD.

• EAP – Benefits Summary
• EAP – Medical Bill Saver