1-Northside ISD 2026 Benefit Guide-Updated Notices.pdf

2026 BENEFITS GUIDE

Welcome to Your Benefits Our most important asset is our people. That’s why Northside ISD o�ers a comprehensive benefits program to meet all your needs.

Review this guide to learn about all the benefits you are o�ered and determine which benefits are best for you and your family. You will find many resources outlined in this guide available during enrollment and throughout the year to help you make the most of your benefits plans and answer your questions.

The health care coverage you elect begins with your initial eligibility date and continues through the end of the enrollment year. Northside ISD’s health care benefit year begins January 1st and ends December 31st. You may also enroll or change your benefits during the annual Open Enrollment: September 29 – October 17, 2025.

You must make your medical, dental, and vision elections during the specified enrollment window, or you will not have coverage. Voluntary benefits elections such as disability, hospital, cancer, and critical illness insurance will rollover from the previous year, or you may change or elect new coverage. You may not enroll again until the next Open Enrollment period unless you experience a qualifying life event. To have coverage, you must confirm your benefit choices through bswift by the deadline.

About this Guide This guide contains basic information about many of the health benefits available to Northside ISD employees. It is not intended as a comprehensive listing of all available benefits. For more details about each benefit:

• Go to the NISD Benefits intranet page at https://nisd.net/employees/ department/human-resources/documents/2026-benefit-plans and review plan brochures and plan documents.

• Visit an enrollment fair and talk to the carrier representatives to get more details about their plans and benefits.

• Additional questions can be answered by carrier customer service representatives. Phone numbers, plan numbers, and website details can be found under the Benefits Directory.

https://nisd.net/employees/department/human-resources/documents/2026-benefit-plans https://nisd.net/employees/department/human-resources/documents/2026-benefit-plans https://nisd.net/employees/department/human-resources/documents/2026-benefit-plans https://nisd.net/employees/department/human-resources/documents/2026-benefit-plans https://nisd.net/employees/

BENEFIT CARRIER GROUP # PHONE WEBSITE/EMAIL

Medical UnitedHealthcare 906022 844-554-9709 myUHC.com

HSA Optum Bank NISD 800-791-9361 optumbank.com

FSA

Proficient Benefit

Solutions NISD 210-659-8100 ProficientBenefits.com

Dental Humana 408761 800-233-4013 humana.com

Vision VSP 40156361 800-877-7195 vsp.com

Life and AD&D The Standard 758947 888-937-4783 standard.com

Short- & Long-Term

Disability The Standard 758947 888-937-4783 standard.com

Critical Illness, Accident, & Hospital

Indemnity

The Standard 758947 888-937-4783 standard.com

Cancer & Whole Life MetLife 0153560 800-438-6388 mybenefits.metlife.com

EAP The Standard 758947 888-937-4783 standard.com

Legal Support LegalEASE NISD 800-248-9000 legaleaseplan.com/ northside-isd

Financial Health &

Coaching Foundation 99 NISD 888-599-4245 foundation99.org

Retirement System Teacher Retirement

System (TRS) NISD 800-223-8778 trs.texas.gov

Voluntary Retirement

Savings Plans

HUB International Group

(formerly Trusted Capital

Group)

NISD 800-943-9179 tcgservices.com/enroll

Contacts & Resources

Find more details about the benefits o�ered to you by contacting your insurance carrier or logging in to bswift at http://nisd.bswift.com. Register on the insurance carrier websites to access plan information, including your ID cards, coverages, claims, network providers, and more. Search for the carrier apps on Google Play™ or the App Store® to access your benefits information anytime, anywhere from your mobile device.

http://www.myUHC.com http://www.optumbank.com http://www.ProficientBenefits.com http://www.humana.com http://www.vsp.com http://www.standard.com http://www.standard.com http://www.standard.com http://www.mybenefits.metlife.com http://www.standard.com http://www.legaleaseplan.com/northside-isd http://www.legaleaseplan.com/northside-isd http://www.foundation99.org http://www.trs.texas.gov http://www.tcgservices.com/enroll http://nisd.bswift.com http://www.myuhc.com/ http://www.optumbank.com/ http://www.proficientbenefits.com/ http://www.humana.com/ http://www.vsp.com/ http://www.standard.com/ http://www.standard.com/ http://www.standard.com/ http://www.mybenefits.metlife.com/ http://www.standard.com/ http://www.legaleaseplan.com/northside-isd http://www.legaleaseplan.com/northside-isd http://www.foundation99.org/ http://www.trs.texas.gov/ http://www.tcgservices.com/enroll http://nisd.bswift.com/ http://nisd.bswift.com/ http://myuhc.com/ http://optumbank.com/ http://proficientbenefits.com/ http://humana.com/ http://vsp.com/ http://standard.com/ http://standard.com/ http://standard.com/ http://mybenefits.metlife.com/ http://standard.com/ http://legaleaseplan.com/ http://foundation99.org/ http://trs.texas.gov/ http://tcgservices.com/enroll

BENEFITS DEPARTMENT DIRECTORY

Benefits Main Number 210-397-8620

Leticia Ramirez Director of Benefits 210-397-7888 leticia.ramirez@nisd.net

Ruth Rodriguez Assistant Director of Benefits 210-397-7806 ruth.rodriguez@nisd.net

Magdalena Trevino Benefits Program Specialist (A-Er) 210-397-7877 magdalena.trevino@nisd.net

Laura Wilborn Benefits Program Specialist (Es-Led) 210-397-7805 laura.wilborn@nisd.net

Carolina Arocha Benefits Program Specialist (Lee-Ren) 210-397-7807 carolina.arocha@nisd.net

Valerie Ortego Benefits Program Specialist (Res-Z) 210-397-7804 valerie.ortego@nisd.net

UHC On-Site Representative 210-397-8789 health4nisd@uhc.com

OTHER CONTACT INFORMATION

210-398-8803 LOA’S (fax)

210-398-8802 Benefits (fax) employee.benefits@nisd.net

5615 Grissom Rd.

San Antonio, TX 78238 https://nisd.net/employees/department/human-resources/documents/employee-benefits

Eligibility & Enrollment

Who Can Enroll You may enroll the following dependents in our group benefit plans:

• Your legal spouse or domestic partner

• Your natural, adopted, or stepchildren living with you, or children whom you have legal guardianship, up to age 26

• Unmarried children of any age if disabled and claimed as a dependent on your federal income taxes

When You Can Enroll You can enroll in benefits during the following times:

• Within 30 days of your date of hire

• The annual Open Enrollment period for a January 1st e�ective date

If you fail to enroll within your new hire eligibility or the Open Enrollment period, you will not be able to elect benefits again until the next annual enrollment period, and you will not have coverage. If you are a new hire, you will complete a new hire enrollment for 2025, and open enrollment for 2026.

All regular full-time Northside ISD employees working at least 20 hours per week are eligible for benefits. As a new hire, you are eligible for benefits on the first of the month following your date of hire. You may also enroll each fall during annual Open Enrollment for a January 1st e�ective date.

mailto:leticia.ramirez%40nisd.net?subject= mailto:ruth.rodriguez%40nisd.net?subject= mailto:magdalena.trevino%40nisd.net?subject= mailto:laura.wilborn%40nisd.net?subject= mailto:carolina.arocha%40nisd.net?subject= mailto:valerie.ortego%40nisd.net?subject= mailto:employee.benefits@nisd.net https://nisd.net/employees/department/human-resources/documents/employee-benefits mailto:leticia.ramirez@nisd.net?subject= mailto:ruth.rodriguez@nisd.net?subject= mailto:magdalena.trevino@nisd.net?subject= mailto:laura.wilborn@nisd.net?subject= mailto:carolina.arocha@nisd.net?subject= mailto:valerie.ortego@nisd.net?subject= mailto:employee.benefits@nisd.net https://nisd.net/employees/department/human-resources/documents/employee-benefits mailto:leticia.ramirez@nisd.net mailto:ruth.rodriguez@nisd.net mailto:magdalena.trevino@nisd.net mailto:laura.wilborn@nisd.net mailto:carolina.arocha@nisd.net mailto:valerie.ortego@nisd.net mailto:health4nisd@uhc.com mailto:employee.benefits@nisd.net https://nisd.net/employees/department/human-resources/documents/employee-benefits

Making Changes to Your Benefits Outside of your initial new hire or the Open Enrollment period, changes to your benefits can only be made throughout the year within 30 days of a qualifying life event. Examples of the most common events include:

• Marriage or divorce

• Birth or adoption of an eligible child

• Death of a covered dependent

• Loss or gain of coverage

• Change in your or your spouse’s work status that a�ects your benefits

• Change in your child’s eligibility for coverage

• Receipt of a Qualified Medical Child Support Order (QMCSO)

Below are some of the documents you will need for the most common qualifying life events. Please note, documents for proof of loss/ gain of coverage must include the e�ective date, type of coverage and name(s) of covered individuals.

• Loss of other coverage: Certificate of creditable coverage; COBRA Notice; Coverage termination letter; Benefits enrollment confirmation statement.

• Gain of other coverage: Proof of new coverage including e�ective date, and all covered dependents.

• Marriage: Marriage Certificate.

• Divorce: Final Divorce Decree OR court ordered annulment.

• Birth/Adoption: Birth certificate OR hospital birth facts; Adoption record OR placement for adoption.

• Turning age 26: Proof of prior coverage.

Any requests for changes in insurance coverage due to a qualifying life event must be made in the online enrollment system. Documentation must be provided for proof of your life event and must also be received by the Benefits O�ce within 30 days from the date of the event. Proper documentation of proof can be emailed to employee.benefits@nisd.net or faxed to (210) 398-8802.

Termination of Coverage Benefits coverage is terminated as follows:

• Coverage terminates either on the last day of the month in which the employee works for NISD or the last day of the month in which they receive their final pay from NISD, whichever occurs last.

mailto:employee.benefits@nisd.net

Open Enrollment Fair Schedule

DATE LOCATION TIME

September 29, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

September 30, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

October 1, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

October 2, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

October 6, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

October 7, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

October 8, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

October 9, 2025 Northside Activity Center - NAC

7001 Culebra, SA TX 78238 12 p.m. – 6 p.m.

October 11, 2025 (Saturday) Brandeis HS (Cafeteria)

13011 Kyle Seal Pkwy, SA TX 78249 8 a.m. – 12:30 p.m.

October 13, 2025 (Columbus Day) Testing Annex

5647 Grissom Road, SA TX 78238 10 a.m. – 6 p.m.

October 14, 2025 Testing Annex

5647 Grissom Road, SA TX 78238 12 p.m. – 6 p.m.

October 15, 2025 Testing Annex

5647 Grissom Road, SA TX 78238 12 p.m. – 6 p.m.

October 16, 2025 Testing Annex

5647 Grissom Road, SA TX 78238 12 p.m. – 6 p.m.

All plans o�er preventive care visits covered at 100%, an out-of-pocket maximum to protect you should a catastrophic event occur, and out-of-network coverage if needed. Although out-of-network coverage is available, using in-network providers will save you money. You can find UnitedHealthcare network providers online at myUHC.com and search the ChoicePlus network.

Prescription Drugs

Check with your pharmacy to determine if any special programs are available. Discuss lower-cost alternatives with your physician and check the insurance company’s website for a complete drug list at myUHC.com.

Medical Benefits NISD o�ers employees a choice of two plan types, a Traditional Plan and a High Deductible Health Plan (HDHP). Each plan type has three options to access the UnitedHealthcare Network. HDHP participants are eligible to open a Health Savings Account to set aside pre-tax dollars to pay for their deductible and other out-of-pocket healthcare costs. Continue reviewing this guide for more information on tax-advantaged savings accounts that can help you save on healthcare expenses.

When you enroll in a medical plan, you are automatically enrolled in prescription drug coverage. If you regularly take the same medications, a mail-order program may allow you to get a 90-day supply for a lower cost, saving you trips to the pharmacy and time waiting in line.

http://www.myUHC.com http://www.myUHC.com http://www.myuhc.com/ http://www.myuhc.com/ http://myuhc.com/

Medical Plan Tools & Resources

UnitedHealthcare App The UnitedHealthcare mobile app can help you stay organized and in control of your health anytime, anywhere. Log in from your mobile device to access your account. Search your mobile device’s app store to download.

Virtual Visits See and talk to a doctor from a mobile device or computer without an appointment, 24/7. Most visits take 10-15 minutes, and virtual visits are a part of your health benefits. Telemedicine doctors can diagnose and treat many non-emergency medical conditions and provide services such as writing a prescription if needed.

Common conditions treated with virtual care include allergies, cough, fever, headaches, sinus problems, skin rashes, pink eye, bladder infections, and more. To get started, visit myuhc.com or download the app.

UnitedHealthcare Website If you are currently not enrolled or looking to switch plans, visit: whyuhc.com/nisd and click on “Search the Network” link for the plan you are thinking of selecting.

For enrolled members, myUHC.com is the secure member website where you can check your coverages and claims, locate network providers, access health programs, manage your prescriptions, print or request an ID card, and more. To get started, log on to myUHC.com and complete the registration process.

http://www.myuhc.com http://whyuhc.com/nisd http://www.myUHC.com http://www.myUHC.com http://www.myuhc.com/ http://whyuhc.com/nisd http://www.myuhc.com/ http://www.myuhc.com/ http://whyuhc.com/nisd http://myuhc.com/

Traditional Health Plan Options

IN-NETWORK

PPO CHOICE

2000 PLAN

YOU PAY

PRIMARY ADVANTAGE

3000 EPO

YOU PAY

HMO 2000

NEXUS ACO

YOU PAY

Deductible (first dollar cost for covered in-network services)

Individual / Family $2,000/$4,000 $3,000/$6,000 Tier 1 - $2,000/$4,000 Tier 2 - $2,000/$4,000

Coinsurance (after you reach your deductible)

Plan pays 80% 80% Tier 1 - 80%

Tier 2 - 50%

Out-of-Pocket Maximum (includes deductibles, copays, prescription costs, and coinsurance)

Individual / Family $7,350/$14,700 $7,350/$14,700 Tier 1 - $7,350/$14,700 Tier 2 - $7,350/$14,700

Referrals

Referrals Required No No Yes

Plan Features

Preventive Care 100% 100% 100%

Primary Care Visits In-Network

$30 copay/$0 copay for children under 19

$0 copay Tier 1 - $30 copay/$0 copay for children under 19 Tier 2 - 50% after deductible

Virtual Visits $0 copay $0 copay $0 copay

Specialist Visits $50 copay $100 copay Tier 1 - $45 copay

Tier 2 - 50% after deductible

Urgent Care $75 copay $75 copay $75 copay

Emergency Room $500 copay, then plan pays 80% $250 copay, then plan pays 80% after deductible $500 copay, then plan pays 80%

Inpatient Hospital In-Network

$250 per admission, then plan pays 80% after deductible

20% after deductible

Tier 1 - $250 per admission, then plan pays 80% after deductible

Tier 2 - $500 per admission, then plan pays 50% after deductible

Minor diagnostic Lab, X-ray, and other o�ce services

No Charge 20% after deductible 20% after deductible

Other Services Coinsurance 20% 20% Tier 1 - 20% Tier 2 - 50%

Prescription Benefits

Rx Deductible Tier 3&4 must meet individual

$250 Rx deductible Tier 3&4 must meet individual

$250 Rx deductible $0

Retail (30-day supply) Tier 1-4 $10/$60/$100 $5/$50/$100/$250 $15/$35/$70

Mail Order (90-day supply) 2.5x retail copay 2.5x retail copay 2.5x retail copay

Employee Contributions (per paycheck cost for coverage)

Employee Only Monthly $266.71

Bi-Weekly $133.36 Monthly $109.50 Bi-Weekly $54.75

Monthly $73.65 Bi-Weekly $36.83

Employee + Spouse Monthly $900.32 Bi-Weekly $450.16

Monthly $505.17 Bi-Weekly $252.59

Monthly $436.66 Bi-Weekly $218.33

Employee + Child(ren) Monthly $683.79

Bi-Weekly $341.90 Monthly $363.47 Bi-Weekly $181.74

Monthly $301.42 Bi-Weekly $150.71

Employee + Family Monthly $1,038.55 Bi-Weekly $519.28

Monthly $593.18 Bi-Weekly $296.59

Monthly $510.95 Bi-Weekly $255.48

In-network services only. No out-of-network coverage available. Refer to the plan documents for the full plan description. This chart is intended only to highlight the benefits available and should not be relied upon to fully determine your coverage.

High Deductible Health Plan (HDHP) Options

IN-NETWORK

HDHP 4000

CHOICE PLUS

YOU PAY

HDHP 4000

CHOICE

YOU PAY

HDHP 4000

NEXUS ACO

YOU PAY

Deductible (first dollar cost for covered in-network services)

Individual / Family $4,000/$8,000 $4,000/$8,000 $4,000/$8,000

Coinsurance (after you reach your deductible)

Plan pays 80% 80% Tier 1 - 80% Tier 2 - 50%

Out-of-Pocket Maximum (includes deductibles, copays, prescription costs, and coinsurance)

Individual / Family $6,650/$13,300 $6,650/$13,300 $6,650/$13,300

Referrals

Referrals Required No No Yes

Plan Features

Preventive Care 100% 100% 100%

Primary Care Visits 20% after deductible 20% after deductible Tier 1 - 20% after deductible Tier 2 - 50% after deductible

Virtual Visits $0 copay $0 copay $0 copay

Specialist Visits 20% after deductible 20% after deductible Tier 1 - 20% after deductible Tier 2 - 50% after deductible

Urgent Care 20% after deductible 20% after deductible 20% after deductible

Emergency Room 20% after deductible 20% after deductible 20% after deductible

Inpatient Hospital 20% after deductible 20% after deductible Tier 1 - 20% after deductible

Tier 2 - $500 per admission, then plan pays 50% after deductible

Minor diagnostic Lab, X-ray, and other o�ce services

20% after deductible 20% after deductible 20% after deductible

Other Services Coinsurance 20% after deductible 20% after deductible Tier 1 - 20% after deductible Tier 2- 50% after deductible

Prescription Benefits

Rx Deductible Combined with medical Combined with medical Combined with medical

Retail (30-day supply) 100% after deductible 100% after deductible 100% after deductible

Mail Order (90-day supply) 100% after deductible 100% after deductible 100% after deductible

Employee Contributions (per paycheck cost for coverage)

Employee Only Monthly $80.94

Bi-Weekly $40.47 Monthly $49.07

Bi-Weekly $24.54 Monthly $0.00

Bi-Weekly $0.00

Employee + Spouse Monthly $337.99

Bi-Weekly $169.00 Monthly $266.38 Bi-Weekly $133.19

Monthly $182.59 Bi-Weekly $91.30

Employee + Child(ren) Monthly $186.45 Bi-Weekly $93.23

Monthly $132.68 Bi-Weekly $66.34

Monthly $80.52 Bi-Weekly $40.26

Employee + Family Monthly $433.36

Bi-Weekly $216.68 Monthly $352.86 Bi-Weekly $176.43

Monthly $251.71 Bi-Weekly $125.86

In-network services only. No out-of-network coverage available. Refer to the plan documents for the full plan description and out-of-network coverage details. This chart is intended only to highlight the benefits available and should not be relied upon to fully determine your coverage.

Where to Go for Care

You have several a�ordable and convenient options for immediate care. Keep this chart handy to help make smart choices when you need medical care. Login to Aetna’s member website to find in-network providers and facilities near you.

Do you have a routine issue such as a sinus problem, rash, or pink eye?

Do you have a life or limb-threatening medical emergency?

YESNO

NO

YES

YES NO

Is your primary care doctor available? Consider the time of day and day of week.

Teladoc Minute Clinic Primary Care Urgent Care ER

24/7 access to board-certified doctors (phone, video, or mobile app.) Talk to a doctor in minutes for diagnosis, treatment, and prescription (when needed).

Use for non-emergency needs.

Minute Clinic o�ers convenient care 7 days a week from certified nurse practitioners and physician assistants at select CVS Pharmacy and Target stores nationwide.

Your PCP is the best option for in-person, non-emergen-cy care. To find in-network PCPs near you, log in to your member website.

Urgent care centers provide quick care for serious but not life-threatening situations. Many urgent care centers o�er imaging, x-rays, and lab services.

The emergency room (ER) is emergencies that can permanently impair or endanger your life. Using the ER for non-life threatening issues can be costly and can involve very long wait times.

NON-EMERGENCY URGENT EMERGENCY

(heart disease, diabetes, arthritis, etc.)

• Acute care (sinus infections and injuries

• Urgent care may be by appointment only

your life at risk

On-Demand in Minutes Schedule Appointment Schedule Appointment Walk In Walk In

In-Network you pay:

In-Network you pay:

• PPO & ACO: No cost or low cost

• CDHP: Pay your estimat-ed patient responsibility at time of visit

In-Network you pay:

• PPO & ACO: Pay copay at time of visit

• CDHP: Pay your estimat-ed patient responsibility at time of visit

In-Network you pay:

• ACO: Pay copay at time of visit

• PPO: Pay deductible and coinsurance

• CDHP: Pay your estimat-ed patient responsibility at time of visit

In-Network you pay:

• PPO & ACO: Pay deductible and coinsurance

• CDHP: Pay your estimated patient responsibility at time of visit

Health Savings Account When you enroll in a High Deductible Health Plan (HDHP), you are eligible to open a Health Savings Account (HSA) through Optum Bank to put pre-tax money aside for qualified healthcare expenses. Because your contributions are deducted pre-tax, you can save up to an estimated 25% on out-of-pocket costs.

To participate, you must meet the following requirements:

• Be enrolled in a qualified HDHP

• Not be covered by any other non-HSA qualified health plan

• Not be enrolled in Medicare

• Not eligible to be claimed as a dependent on someone else’s taxes

• Not enrolled in a Health Care FSA while actively contributing to an HSA

The amount you determine to be deducted is automatically deposited into your account. Unused funds carry over from year to year and can build over time. If you leave your job, you can take the account and all the funds in it.

Contribution Limits The 2026 IRS contribution limits are as follows:

• Individual coverage: $4,400

• Family coverage: $8,750

Eligible individuals aged 55 and older may contribute an additional $1,000 annually. You have until the following year’s tax filing deadline to contribute in the current plan year.

Eligible Expenses Use your HSA funds to pay for healthcare items such as copays, prescriptions, home care, medical supplies and equipment, and other out-of-pocket expenses your insurance may not cover. You may also use these funds for dental and vision expenses, counseling, chiropractic care, physical therapy, certain OTC medications, and more.

Visit irs.gov/forms-pubs/about-publication-502 to see a complete list of IRS-qualified expenses.

IMPORTANT HSA INFORMATION: You MUST renew your HSA election every year.

$2.25/month admin fee if balance is below $2,500 https://flimp.live/utqxmo6hl

Find it Online Here http://irs.gov/forms-pubs/about-publication-502 https://flimp.live/utqxmo6hl https://flimp.live/utqxmo6hl https://flimp.live/utqxmo6hl http://irs.gov/forms-pubs/about-publication-502 https://flimp.live/utqxmo6hl https://flimp.live/utqxmo6hl https://flimp.live/utqxmo6hl https://flimp.live/utqxmo6hl http://irs.gov/forms-pubs/about-publication-502

Flexible Spending Accounts

Northside ISD o�ers Flexible Spending Accounts (FSAs) through Proficient Benefit Solutions. FSAs help you pay for eligible medical, dental, vision, and dependent care out-of-pocket costs by allowing you to set aside pre-tax contributions. Health Care FSA funds are available to use as of January 1st, even money you have not contributed yet. Dependent Care funds are only available as you contribute.

Employees enrolled in the HDHP + HSA may only participate in a Limited Purpose Health Care FSA, which means funds can only be used for qualified dental and vision expenses, not medical. All employees are eligible for a Dependent Care FSA.

How It Works The amount you determine to have deducted from each paycheck is automatically deposited into your account(s). You cannot mix funds from one account to another, and you must re-enroll each year to continue funding the account(s). You may only incur expenses during the plan year you are enrolled. Unused health care amounts over $680, and all unused dependent care funds will be forfeited, so estimate wisely.

Contribution Limits You are responsible for monitoring the amounts deposited into your accounts not to exceed the maximum annual limits.

For 2026, the FSA contribution limits are as follows:

• Health Care FSA: $3,400

• Limited Purpose FSA: $3,400

• Dependent Care FSA: $7,500 per household ($3,750 if married, filing separately)

Eligible Expenses Use your Health Care FSA funds to pay for out-of-pocket medical, dental, hearing, and vision expenses such as copays, prescriptions, supplies, appliances, and some OTC items. Visit irs.

gov/forms-pubs/about-publication-502 to see a complete list of IRS-qualified healthcare expenses.

Use Dependent Care FSA funds to pay for qualified daycare expenses for children aged 12 and younger and a spouse or an adult dependent incapable of self-care. Eligible expenses include daycare, preschool, summer day camp, elder care, and in-home aids. Visit irs.gov/publications/p503 to see a complete list of IRS-qualified dependent care expenses.

IMPORTANT FSA INFORMATION: You MUST renew your FSA election every year. Failure to do so will cause automatic cancellation of your account.

Find it Online Here https://flimp.live/5vs58rpz4 http://irs.gov/forms-pubs/about-publication-502 http://irs.gov/forms-pubs/about-publication-502 http://irs.gov/publications/p503 https://flimp.live/5vs58rpz4 https://flimp.live/5vs58rpz4 https://flimp.live/5vs58rpz4 http://irs.gov/forms-pubs/about-publication-502 http://irs.gov/forms-pubs/about-publication-502 http://irs.gov/publications/p503 https://flimp.live/5vs58rpz4 https://flimp.live/5vs58rpz4 https://flimp.live/5vs58rpz4 http://irs.gov/publications/p503 https://flimp.live/5vs58rpz4

Dental: Humana

Northside ISD o�ers dental coverage through Humana. To find an in-network provider, go to finder.humana.com and search PPO/Traditional Preferred for DPPO providers and HS205 DHMO for DHMO providers. The chart below provides a brief overview of the plan. Refer to the full plan description for detailed coverage information.

TRADITIONAL PLUS - PPO

Description

Flexible plans with low deductibles and the ability to see any dentist. If a member sees an out-of-network dentist, coinsurance will apply to the usual and customary charge.

Out-of-network dentists may bill you for charges above the amount covered by your dental plan.

Deductible Low High Platinum

Individual $50 $50 $75

Family $150 $150 $225

Calendar Year Maximum Low High Platinum

$1,250 $2,000 $4,000

Coinsurance Amount

Preventive Services 100%

Basic Services 80%

Major Services 50%

Orthodontic Services 50%

Orthodontic Maximum Low High Platinum

$1,000 $1,500 $1,500

Child only Child/Adult Child/Adult

Other Benefits

• Extended annual maximum on preventive, basic, and major

• Periodontic and endodontic services covered under major

• Three routine cleanings, exams, and x-rays per year covered under preventive

• Four periodontal cleanings per year covered under preventive

• Implants covered as major service

HS205 – DHMO

IN-NETWORK ONLY

Description (ADA Code) Co-Pay

Preventive Services

O�ce Visit (D9430) $0

Prophylaxis - Cleaning (D1110)

$0

Fluoride Application (D1206)

$0

Basic Services

Periodontal Scaling and Root Planning, Per Quadrant (D4341)

$55

Amalgam Fillings, One Surface, Anterior (D2140)

$5

Surgical Extraction, Erupted Tooth (D7210)

$40

Major Services

Root Canal - Endodontic Therapy, molar (D3330)

$250

Crown (D2750) $270

Orthodontic Services

Orthodontic Treatment (D8070) Children

$1,900

Orthodontic Treatment (D8090) Adults

$1,900

Other Benefits

EMPLOYEE COST

Low High Platinum DHMO

Employee Monthly $27.97

Bi-Weekly $13.99 Monthly $31.65

Bi-Weekly $15.83 Monthly $38.81

Bi-Weekly $19.41 Monthly $10.18

Bi-Weekly $5.09

Employee & Spouse Monthly $51.52

Bi-Weekly $25.76 Monthly $58.34 Bi-Weekly $29.17

Monthly $70.42 Bi-Weekly $35.21

Monthly $20.34 Bi-Weekly $10.17

Employee & Child(ren) Monthly $50.72

Bi-Weekly $25.36 Monthly $57.41

Bi-Weekly $28.71 Monthly $71.55

Bi-Weekly $35.78 Monthly $22.89 Bi-Weekly $11.45

Family Monthly $78.38

Bi-Weekly $39.19 Monthly $88.74

Bi-Weekly $44.37 Monthly $108.84 Bi-Weekly $54.42

Monthly $34.07 Bi-Weekly $17.04

* Benefits shown are for in-network services only. See your summary of benefits for coverage details.

http://finder.humana.com http://finder.humana.com/ http://finder.humana.com/

Vision: VSP

Northside ISD o�ers vision coverage through VSP on the VSP Enhanced Advantage network. The vision plan allows you to use in-network or out-of-network providers.

However, when using out-of-network providers, you will pay expenses at the time of service and file a claim for reimbursement.

To find in-network providers, visit vsp.com and enter your search criteria. The chart below provides a brief overview of the plan. Refer to the full plan description for detailed coverage information.

IN-NETWORK

YOU PAY

OUT-OF-NETWORK

Copays

Eye Exam $20 copay $45

Materials Copay $0 copay N/A

Plan Features

Lenses

Single Vision Bifocal Trifocal Lenticular

Covered in full Covered in full Covered in full Covered in full

$50 $60 $80 $100

Featured Frame Brand Allowance $190 allowance, 20% o� overage

$85

Visionworks Frame Allowance $190 allowance, 20% o� overage

Frame Retail Allowance $140 allowance, 20% o� overage

Walmart/Sam’s Club Frame Allowance $140 allowance, 20% o� overage

Costco Frame Allowance $75 allowance

Elective Contact Lens Materials (In lieu of glasses)

$140 allowance $100

Contact Lens Exam (Fitting, Evaluation & Follow-up)

$0 copay

Necessary Contacts (Fitting & Evaluation and Materials)

Covered in Full after copay $250

Employee Contributions

Employee Only Monthly $6.39 / Bi-Weekly $3.20

Employee + Spouse Monthly $12.80 / Bi-Weekly $6.40

Employee + Child(ren) Monthly $15.98 / Bi-Weekly $7.99

Employee + Family Monthly $18.46 / Bi-Weekly $9.23 http://www.vsp.com http://www.vsp.com/ http://vsp.com/

Basic Employee Life Insurance and AD&D: The Standard

Northside ISD provides eligible employees with Basic Life and AD&D insurance through The Standard and pays for the full cost of coverage

BASIC LIFE INSURANCE

Medical Plan Employees participating in a NISD medical plan: $10,000 basic life insurance at no additional cost

No Medical Plan

Employees NOT participating in a NISD Medical Plan, have a choice of:

$50,000 (no imputed income (tax liability) to employee) OR

$80,000 ($50,000 tax free / $30,000 imputed income based on IRS age rate tables)

Ensuring your beneficiary designation is correct at enrollment and throughout the year is essential. Log in to bswift or contact your assigned benefits specialist to update your information at any time during the year.

Supplemental Voluntary Life Northside ISD employees can supplement their company-paid Basic Life insurance by purchasing additional coverage through The Standard. In addition, you may purchase coverage for a spouse and child(ren) after electing coverage for yourself.

The Guarantee Issue (GI) amount is the highest amount of coverage that you or your dependents may elect without completing an Evidence of Insurability (EOI) form. If you elect an amount above the GI limit or wish to increase your benefit amount at a future date, the coverage amount over the GI level will not go into e�ect until your EOI has been reviewed and approved and payroll deductions have begun. For full details, refer to the Certificate of Coverage.

You may purchase the following amounts for yourself and your dependents. Refer to bswift to calculate your coverage cost.

Whole Life: MetLife Whole life insurance is life insurance you own, even when you change jobs or retire. Purchasing whole life insurance, may be a great supplement to your employer-o�ered plan because it protects your loved ones for your entire life, not just while you’re working. Permanent coverage enabling you to take it with you when you change jobs or retire.

Enroll in whole life coverage without answering any medical questions. (If enrolling after this initial o�er, the guaranteed issue amount is subject to Evidence of Insurability). A maximum of $5M with EOI. Provides protection during working years and in retirement.

Accelerated Death Benefit for Chronic Illness rider pays 5% per month (up to a maximum of 80%) of your Life Insurance proceeds (with the balance payable upon final claim).

• Accelerated Death Benefit for Terminal Illness rider pays up to 80% of the death benefit amount (with the balance payable upon final claim).

• Coverage Spouse/domestic partner and dependent children

• Up to $25k for spouse and $10k for child(ren)

Refer to bswift to calculate your coverage cost.

Voluntary Life & AD&D: The Standard

EMPLOYEE SPOUSE CHILD

Choice of 1-5X Annual Earnings, in increments of 0.5, to a maximum of

$1,500,000 Guarantee Issue: $300,000

Increments of $5,000, $10,000, $20,000, $30,000, $40,000, $50,000, to a maximum of $100,000 Guarantee Issue: $50,000

Live Birth and older: $5,000 or $10,000

Guarantee Issue: All amounts

PRODUCT RATE RATE MODE

Supplemental Employee Life $0.220 Per $1000

Supplemental Employee AD&D $0.016 Per $1000

Spouse Life $0.404 Per $1000, elective

Spouse AD&D $0.019 Per $1000, elective

Child Life $1.420

Per Member, elective $2.850

Child AD&D $0.014

Per Member, elective $0.028

Worksite Benefits: The Standard

Northside ISD o�ers employees the option to purchase supplemental worksite benefits voluntarily provided through The Standard.

In addition, you have the option to cover your spouse and child(ren) after electing coverage for yourself. The premiums for elected benefits are deducted from your paycheck. Your cost for coverage can be calculated when making your benefit elections on bswift.

Voluntary Hospital Indemnity A hospital admission can result in significant financial hardship. You may have a large deductible to meet in addition to other hospital-related charges for surgery, anesthesia, radiology, and more. A Hospital Indemnity policy provides a lump sum cash benefit paid directly to you to help o�set those expenses not covered by your major medical insurance. Reimbursement increases with the number of days you are hospitalized. Refer to the Certificate of Coverage for more information about pre-existing condition limitations, covered services, and other limitations and exclusions.

EMPLOYEE COST

Employee Monthly $9.54 / Bi-Weekly $4.77

Employee and Spouse Monthly $16.32 / Bi-Weekly $8.16

Employee and Child(ren) Monthly $13.87 / Bi-Weekly $6.94

Employee and Family Monthly $24.40 / Bi-Weekly $12.20

Voluntary Accident Where most medical plans only pay a portion of the bills, Accident insurance can help pick up where other insurance leaves o�. This policy provides a cash benefit to cover expenses if you or a covered dependent experience an eligible event.

Employees can choose between two plans to receive reimbursement for covered services, including:

• Hospital/ICU admission

• Emergency transportation and care

• Fractures, burns, lacerations, and more

EMPLOYEE COST

SELECT ENHANCED

Employee Monthly $4.96 / Bi-Weekly $2.48 Monthly $7.36 / Bi-Weekly $3.68

Employee and Spouse Monthly $9.78 / Bi-Weekly $4.89 Monthly $14.97 / Bi-Weekly $7.49

Employee and Child(ren) Monthly $10.15 / Bi-Weekly $5.08 Monthly $15.21 / Bi-Weekly $7.61

Employee and Family Monthly $12.74 / Bi-Weekly $6.37 Monthly $18.87 / Bi-Weekly $9.44

Wellness Benefit A $50 annual Health Screening Benefit is included in both Voluntary Hospital and Accident premiums for each covered member for a variety of preventative health measures.

Voluntary Critical Illness

Critical Illness insurance pays a lump sum cash benefit when you or a covered family member is diagnosed with a serious illness, such as a heart attack, stroke, major organ failure, or cancer. You may use this benefit in any way you choose to pay for expenses that are not medical but have occurred due to the diagnosis, such as lost wages, family care, rehabilitation, or transportation.

Benefits are paid to you regardless of any additional coverage you may have.

ANNUAL RATE PER $1,000

PREMIER - PLAN 4

AGE BAND NON-TOBACCO TOBACCO

18-29 $3.36 $3.48

30-39 $4.80 $5.64

40-49 $9.36 $13.56

50-59 $18.36 $32.16

60-69 $32.52 $65.52

70+ $86.76 $152.88

To convert annual rates to deductions, multiply by units of coverage, divide by the number of deductions per year and round to the nearest penny.

EMPLOYEE SPOUSE CHILD

Choose from $5,000 to $30,000 in increments of $5,000. You are not required to answer a health questionnaire even if you declined coverage previously. You have the opportunity to enroll or increase Critical Illness coverage for you, your spouse and child(ren) without a medical questionnaire. Current amounts in force will stay the same unless you make a change.

Spouse elections can be equal to or less than employee’s coverage.

In increments can be purchased as

$5,000, $10,000 or $15,000.

If you elect coverage, dependent children from newborns to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours.

Wellness Benefit A $50 annual Health Screening Benefit is included in the premiums for each covered member for a variety of preventative

Disability Insurance: The Standard

Whether you are disabled and unable to work due to an accident or illness, Northside ISD o�ers both Short and Long-Term Disability benefits options through The Standard.

Disability is insurance for your paycheck should you become disabled due to an o�-the-job injury or illness. This coverage will provide a percentage of your salary once you satisfy the waiting period.

If you were previously eligible but did not enroll in either of the disability plans, you would be subjected to a waiting period. Refer to the Plan Summaries for details.

Voluntary Short-Term Disability Northside ISD o�ers Short-Term Disability (STD) insurance. After a 7-day waiting period, the benefit would pay 60% of your monthly pre-disability earnings to a maximum of $1,500 per week.

RATE: PER $100 OF BENEFIT

AGE (AS OF JANUARY 1) RATE

0-24 $9.02

25-29 $9.02

30-34 $9.60

35-39 $5.45

40-44 $3.43

45-49 $3.48

50-54 $3.67

55-59 $4.67

60-64 $5.93

65-69 $5.93

70-99 $5.93

Voluntary Long-Term Disability Northside ISD o�ers employees the option to purchase Long-Term Disability (LTD). After a 180-day waiting period, the benefit would pay 60% of your monthly pre-disability earnings to a maximum of $15,000 per month until you no longer meet the definition of disability or reach the Social Security Normal Retirement Age (SSNRA).

Your cost for coverage can be calculated on bswift when you make your benefit elections.

RATE: PER $100 OF BENEFIT

AGE (AS OF JANUARY 1) RATE

0-24 $0.127

25-29 $0.188

30-34 $0.360

35-39 $0.605

40-44 $0.710

45-49 $0.710

50-54 $0.710

55-59 $0.853

60-64 $1.373

65-69 $1.504

70-99 $1.777

Cancer: MetLife

A benefit that can help reduce financial strain on you and your family.

Employees receive a payout upon a verified cancer diagnosis.

• Choose from 3 plan options: $10,000, $20,000 & $30,000.

Guaranteed Issue

• For invasive cancers, covers 100%

• For early-stage non-invasive cancers, covers 25%

• For skin cancer, covers 5%, but not less than $250.

• 100% recurrence benefit for invasive and non-invasive cancers

• All benefits are portable - you can keep your benefits if you leave the District by paying premiums directly to MetLife.

• Second Opinion benefit if covered person receives a second opinion at an evaluation.

• Waiver of premium if disabled 90 days or more.

COVERAGE AMOUNT EMPLOYEE ONLY

EMPLOYEE + SPOUSE

AND CHILD(REN)

$10,000 Monthly $9.40 / Bi-Weekly $4.70 Monthly $17.30 / Bi-Weekly $8.65

$20,000 Monthly $18.80 / Bi-Weekly $9.40 Monthly $34.60 / Bi-Weekly $17.30

$30,000 Monthly $28.20 / Bi-Weekly $14.10 Monthly $51.90 / Bi-Weekly $25.95

Wellness Benefit A $100 annual Health Screening Benefit and a $200 Mammogram Benefit is included the premiums for each covered member for a variety of preventative

Employee Assistance Program: The Standard

All employees enrolled in medical are automatically provided access to The Standard’s Employee Assistance Program at no cost. The program is a confidential resource available 24/7/365 to help you deal with a variety of life stages and concerns, including:

• Depression, stress, and anxiety

• Relationship di�culties

• Financial and legal advice

• Family issues and parenting

• Child and elder care support

• Dealing with domestic violence

• Substance abuse and recovery

• Work-related issues

• Loss and grief

• Eating disorders

The program includes many resources including phone or video consultations with a licensed counselor.

The Standard EAP program can be reached at 888-937-4783 or visit standard.com.

Legal Assistance Plan: LegalEASE

LegalEASE provides support and protection from legal matters when you need it most.

BASE PLAN The FamilyADVISOR with LegalGUARD Gold + Plan (Paid in Full Divorce) Monthly $15.53 Bi-Weekly $7.77

BUY-UP PLAN The FamilyADVISOR with LegalGUARD Gold + Plan with Parent Plus Package Monthly $21.13

Bi-Weekly $10.57

Legal Plan LegalEASE provides support and protection from legal matters when you need it most. LegalEASE benefits o�er:

• An attorney with expertise specific to your personal legal matter

• Access to a national network of attorneys with exceptional experience that are matched to meet your needs

• Identity monitoring and additional benefits through Experian

Being a member saves costly legal fees and provides coverage for issues surrounding:

• Home & residential

• Financial & consumerism

• Estate planning & wills

• Auto & tra�c

• Family concerns

• General consultations

To view specific plan details, visit legaleaseplan.com/northside-isd.

http://www.standard.com http://www.legaleaseplan.com/northside-isd http://www.standard.com/ http://www.legaleaseplan.com/northside-isd http://legaleaseplan.com/northside-isd http://standard.com/

Additional Benefits

Financial Health & Coaching Tools If you’ve ever felt like you’re living paycheck to paycheck or like your dollar can go farther, we have just the tools to make a di�erence. And it’s all available at no cost to you.

Foundation 99 is a 501(c)(3) nonprofit that works with Northside ISD employees to provide unlimited 1:1 confidential financial coaching and powerful online financial health tools. Meet big goals like buying a house, getting out of debt, planning for emergencies, and more! Open your free account or book a coaching session at foundation99.org.

Pet Insurance: MetLife

A MetLife Pet Insurance plan helps cover the costs when unexpected accidents or illnesses occur, so nothing gets in the way of caring for your pet when they need it most.

Contact MetLife at 800-438-6388 to enroll, adjust policy, or cancel. For a quote, you may call or request online at metlife.com/getpetquote.

• Flexible insurance plans that can cover the entire pet family with no breed exclusions

• Freedom to visit any U.S. veterinarian and reimbursement up to 90% of the cost of services

• 24/7 access to Telehealth Concierge Services for immediate assistance

• Coverage of previously covered pre-existing conditions when switching providers

• Essential Needs

• Cancer, diabetes

• Hip dysplasia

• Sophisticated Care

• Laser Therapy

• Holistic Care

Contact MetLife for a pet quote.

Please Note: Northside ISD values our relationship with MetLife; however, beginning January 1, 2026, pet insurance will not be o�ered as a payroll deduction. You may contact MetLife for coverage and set up payment directly to MetLife for your pet insurance policy.

http://www.foundation99.org http://www.metlife.com/getpetquote http://www.foundation99.org/ http://www.metlife.com/getpetquote http://metlife.com/getpetquote http://foundation99.org/

Retirement Plans

Eligible employees will receive a retirement pension benefit based on age and years of service credit, as well as disability retirement benefits and death benefits from the beginning of your career in Texas public education.

Learn more: Teacher Retirement System 1-800-223-8778 or trs.texas.gov.

Voluntary Retirement Savings Plan: HUB Int. Group (formerly TCG)

Depending on your desired retirement lifestyle, you may need anywhere from 60% to 100% of your current income to maintain your current standard of living. While your TRS pension is extremely valuable, keep in mind you likely won’t receive 100% of your pre-retirement income. This is why building additional savings through voluntary retirement plans is important to your financial health.

As an employee of Northside ISD, you are eligible to participate in 457(b) and 403(b) plans. Choosing to save for retirement allows you to save money in a pre-tax (Traditional) or after- tax (Roth) account.

Contributions to the plan are salary-deducted from your paycheck and automatically deposited into your account. You may start and stop contributions at any time.

457(B) SAVINGS PLAN

• Employer-sponsored plan with fiduciary oversight by TCG Advisors and a committee of Superintendents/CFO’s.

• High-quality, low fee investment options

• No commissions.

• No federal penalties to withdraw funds from account. Income tax still applies.

• Choose between target date funds, risk-based portfolios, or mutual funds.

403(B) SAVINGS PLAN

• Multi-vendor plan. You must research from a list of 50+ vendors and decide the best fit for you.

• Fees and investments vary per vendor.

Commissions vary per vendor.

• 10% early withdrawal penalty (goes away at age 59 1/2 or age 55 if retired).

• Investment options vary by vendor, including fixed/variable annuities and mutual funds.

Teacher Retirement System (TRS)

Your membership into TRS begins on your first day of eligible employment.

Northside ISD provides TRS with information about you and your employment such as your full name, current mailing address, Social Security number, date of birth, date of hire, and the type of position you hold.

http://www.trs.texas.gov http://www.trs.texas.gov/ http://trs.texas.gov/

Follow the steps below to log in and make your benefit elections:

• Go to: http://nisd.bswift.com

• Username: NISD# and your six-digit employee ID number.

• For example, an employee whose ID number is e012345 would use NISD#012345 as their username.

If your employee number has less than 6 digits, please add zeros at the beginning.

• Password: Your password is reset during Open Enrollment each year to the last four digits of your Social Security Number.

Our benefits portal, bswift, enables you to make your benefit elections whenever and wherever it is most convenient. This site will guide you, step-by-step, through the enrollment process. For each benefit, you will be able to review your choices, if applicable, select your coverage level, and include any dependents you want to cover for that benefit.

How to Enroll http://nisd.bswift.com http://nisd.bswift.com/ http://nisd.bswift.com/

Women’s Health and Cancer Rights Act If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for:

• All stages of reconstruction of the breast on which the mastectomy was performed;

• Surgery and reconstruction of the other breast to produce a symmetrical appearance;

• Prostheses; and

• Treatment of physical complications of the mastectomy, including lymphedema.

These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. Therefore, the following deductibles and coinsurance apply: EPO Plan, PPO Plan, and HDHP Plan after deductible has been met. If you would like more information on WHCRA benefits, contact Leticia Ramierz (210) 397-7888.

Newborn’s and Mother’s Health Protection Act (NMHPA) Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a Cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

Mental Health Parity Act (1996) (MHPA) and Mental Health Parity and Addiction Equity Act (2008) (MHPAEA) Opt Out The Notice to Enrollees in a Self-Funded Nonfederal Governmental Group Health Plan for Plan Years Beginning On or After September 23, 2010 Group health plans sponsored by State and local governmental employers must generally comply with Federal law requirements in title XXVII of the Public Health Service Act.

However, these employers are permitted to elect to exempt a plan from the requirements listed below for any part of the plan that is "self-funded" by the employer, rather than provided through a health insurance policy.