Waco ISD is excited to offer employees a variety of health and wellness benefits. Please contact the Benefits Office via email or call (254) 755-9547 or (254) 755-9522 for more information.
To offer a variety of insurance benefits for employees and their dependents and to protect the economic well being of the District by enforcing an integrated loss control program resulting in a safer learning and working environment.
2013 Benefits Information
Waco ISD administers all employee insurance benefits and protects the confidentiality of all employee personal health information in accordance with all applicable laws, regulations and requirements. The Human Resources Benefits Office is available to assist employees with issues that cannot be resolved by accessing online information or direct customer support provided by benefit providers.
Employees who work a minimum of 20 hours per week (and are members of the Teacher Retirement System of Texas) are eligible for group health insurance coverage, effective the first day of the month following their date of hire.
The health insurance plan year is from January 1st through December 31st. New employees must complete enrollment forms within the first 31 days of employment.
Current employees can make changes in their insurance coverage during the open enrollment period only, or whenever a qualifying event occurs which may necessitate changes (i.e., divorce, marriage, birth, death, loss of coverage, etc.). The employee will be required to complete additional paperwork within 30 days if a change in coverage is desired. Changes will not be allowed if a request to add or delete coverage is not made timely.
At their own expense, employees may enroll in supplemental insurance programs through the district's Third Party Administrator, First Financial. Premiums for these programs are paid by through payroll deduction.
For more information on the various benefit plans, please read and click on the links below. More detailed information on all supplemental benefits can also be found in the 2013 Employee Benefits Handbook (Supplemental Insurance Products).
Initial COBRA Notice
Texas Childrens Health Insurance Program (CHIP) Information
Health & Prescription Insurance - Humana
Waco ISD offers employees a choice of 4 plans through Humana, with the district currently contributing $259.36 per employee per month towards the premium.
Employees with other health insurance coverage may waive insurance with Humana and receive $50 per month in a Medical Flexible Spending Account (Alternative FSA) to use toward their medical, dental and vision expenses.
2013 Humana Health Insurance Summary of Benefits Book
2013 Humana Health Insurance Plan Side by Side Comparison
2013 Humana Health Insurance Rate Sheet
2013 Humana HSA Payroll Contribution Change Form
Flexible Spending Accounts (FSA)
There are two types of flexible spending accounts, one for unreimbursed medical and the second for dependent day care. Participation in an FSA program allows a portion of your salary to be redirected to provide reimbursement for these types of expenses on a tax-exempt basis.
Flexible Spending Account Information
FSA Reimbursement Form
Group Life and Voluntary Life Insurance - MetLife
Waco ISD provides each benefits eligible employee with a $10,000 group term life insurance policy at no cost to the employee. Employees also have the option of electing additional voluntary group life insurance starting with a minimum of $10,000 to a maximum of the lesser of 5 times earnings to $100,000 (in $10,000 increments). Employees may also elect voluntary group life insurance for their spouse and/or dependent children when they elect voluntary life for themselves.
MetLife Voluntary Group Term Life
Dental - MetLife Dental
Waco ISD offers a fully insured dental plan which allows you to see whatever dentist you choose, however, if you utilize an in-network provider your savings are greater. In the Waco area there are more than 50 participating providers so there is sure to be one close to your home or job. No waiting periods apply, even for major services.
Vision - Superior Vision
Waco ISD offers a fully insured vision plan which allows you to see a network eye care professional with low copays for exams and materials every 12 months.
Dental and Vision Discount Plan - QCD
Waco ISD offers a discount dental and vision plan with benefit coverage including no claim forms, deductible, or coverage maximums. Immediate coverage for all pre-existing conditions, orthodontics (braces) for children and adults.
QCD Discount Dental and Vision
Disability Insurance - American Fidelity Assurance
This insurance is designed to protect your most valuable asset - your ability to earn an income. The plan will provide you with income (you can insure up to 70% of your salary) should you become disabled, and has various waiting periods you can select depending on when you would like your benefits to begin. There is also a doctor bill benefit payable (if you are sick and miss a full day of work and go to a doctor) up to $50 for illness and up to $150 per non-disabling injury.
American Fidelity Disability Policy
American Fidelity Disability Claim Form
American Fidelity Physician Expense Claim Form
Hospital Confinement Indemnity (Medical Gap) - Assurant
This policy is a supplemental plan and in order to select this coverage the employee and/or their dependents must also be enrolled on the group medical plan through Humana. This benefit helps you fill the gaps, such as deductible, copayment and coinsurance not covered by your major medical plan, and protects against those out-of-pocket expenses that occur when it comes to your family's health care. 4 plans are available to choose from so employees may pick a plan that best meets their needs.
Assurant Gap $2000 Plan
Assurant Gap $3000 Plan
Assurant Gap $4000 Plan
Assurant Gap $5000 Plan
Assurant Gap Claim Form 2013
Permanent Life Insurance - Texas Life
Employees are offered the opportunity to purchase individual and dependent permanent life insurance at very reasonable rates (age-based). This benefit is permanent, payroll deducted and portable should you leave or retire from the district.
Texas Life Permanent Life Insurance
Critical Illness - Assurant
Protect yourself, your family and your finances by purchasing a critical illness policy, which pays a lump sum benefit when you are diagnosed with a critical illness.
Assurant Group Critical Illness Policy
Cancer Plan - American Fidelity
Cancer insurance is designed to be a supplement and pays for many of the costs not covered by your major medical. This plan pays in addition to other coverage you may have.
American Fidelity Cancer Policy
American Fidelity Cancer Diagnostic Test Claim Form
Accident Insurance - American Fidelity
This plan pays directly to the employee, not the doctors or hospitals for covered expenses related to accidents. This plan can help with medical expenses and living costs when you get hurt unexpectedly.
American Fidelity Accident Policy
American Fidelity Accident Insurance Claim Form
Employee Access Center
Waco ISD employees can view their paychecks, absences, elected insurance benefits and deductions online by clicking Employee Access Center.
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