11-Exhibit D-1 - 2026 Benefit Summary - Aetna HDHP HSA Plan SBC.pdf

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Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Schertz-Cibolo-Universal City Independent School District : AWH Baptist Health System Open Access® Aetna SelectSM - ACO HDHP

Coverage Period: 01/01/2026-12/31/2026

Coverage for: Individual + Family | Plan Type: EPO

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, www.HealthReformPlanSBC.com or by calling 1- 888-982-3862. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at https://www.healthcare.gov/sbc-glossary/ or call 1-888-982-3862 to request a copy.

Important Questions Answers Why This Matters:

What is the overall deductible?

Tier 1: Individual $5,000 / Family $10,000. Tier 2: Individual $7,000 / Family $14,000.

Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.

Are there services covered before you meet your deductible?

Yes. In-network preventive care is covered before you meet your deductible.

This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible.

See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/

Are there other deductibles for specific services? No. You don’t have to meet deductibles for specific services.

What is the out-of-pocket limit for this plan?

Tier 1: Individual $6,550 / Family $13,100. Tier 2: Individual $8,500 / Family $17,000.

The out–of–pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out–of–pocket limits until the overall family out–of–pocket limit has been met.

What is not included in the out-of-pocket limit?

Premiums, balance-billing charges & health care this plan doesn't cover. Even though you pay these expenses, they don’t count toward the out–of–pocket limit.

Will you pay less if you use a network provider?

Yes. See www.aetna.com/docfind or call 1-888- 982-3862 for a list of Tier 1 providers.

You pay the least if you use a provider in Tier 1 Provider. You pay more if you use a provider in Tier 2 Provider. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider’s charge and what your plan pays (balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

Do you need a referral to see a specialist? No. You can see the specialist you choose without a referral.

EXHIBIT D-1: 2026 BENEFIT SUMMARY - AETNA HDHP HSA PLAN SBC

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All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

Common Medical Event Services You May Need

What You Will Pay Limitations, Exceptions, & Other

Important Information Tier 1 Provider

(You will pay the least)

Tier 2 Provider (You will pay more)

Out-of-Network Provider

(You will pay the most)

If you visit a health care provider’s office or clinic

Primary care visit to treat an injury or illness 30% coinsurance 40% coinsurance Not covered None

Specialist visit 30% coinsurance 40% coinsurance Not covered None

Preventive care /screening /immunization No charge No charge Not covered

You may have to pay for services that aren't preventive. Ask your provider if the services needed are preventive.

Then check what your plan will pay for.

If you have a test Diagnostic test (x-ray, blood work) 30% coinsurance 40% coinsurance Not covered None Imaging (CT/PET scans, MRIs) 30% coinsurance 40% coinsurance Not covered None

If you need drugs to treat your illness or condition

Prescription drug coverage is administered by ESI-Medco

More information about prescription drug coverage is available at www.aetna.com/pha rmacy-insurance/individual s-families

Generic drugs Not covered Not covered Not covered Not covered. Preferred brand drugs Not covered Not covered Not covered

Non-preferred brand drugs Not covered Not covered Not covered

Specialty drugs Not covered Not covered Not covered Not covered.

https://www.healthcare.gov/sbc-glossary/#copayment https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#provider https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#specialist https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#preventive-care https://www.healthcare.gov/sbc-glossary/#screening https://www.healthcare.gov/sbc-glossary/#provider https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#diagnostic-test https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#prescription-drug-coverage https://www.healthcare.gov/sbc-glossary/#prescription-drug-coverage https://www.healthcare.gov/sbc-glossary/#prescription-drug-coverage https://www.healthcare.gov/sbc-glossary/#prescription-drug-coverage http://www.aetna.com/pharmacy-insurance/individuals-families http://www.aetna.com/pharmacy-insurance/individuals-families http://www.aetna.com/pharmacy-insurance/individuals-families http://www.aetna.com/pharmacy-insurance/individuals-families https://www.healthcare.gov/sbc-glossary/#specialty-drug

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Event Services You May Need

What You Will Pay Limitations, Exceptions, & Other

Important Information Tier 1 Provider

(You will pay the least)

Tier 2 Provider (You will pay more)

Out-of-Network Provider

(You will pay the most)

If you have outpatient surgery

Facility fee (e.g., ambulatory surgery center) 30% coinsurance 40% coinsurance Not covered None

Physician/surgeon fees 30% coinsurance 40% coinsurance Not covered None

If you need immediate medical attention

Emergency room care 30% coinsurance 30% coinsurance 30% coinsurance Out-of-network emergency use paid the same as in-network. No coverage for non-emergency use.

Emergency medical transportation 30% coinsurance 30% coinsurance 30% coinsurance Out-of-network emergency use paid the same as in-network. Non-emergency transport: not covered, except if pre-authorized.

Urgent care 30% coinsurance 40% coinsurance Not covered No coverage for non-urgent use.

If you have a hospital stay

Facility fee (e.g., hospital room) 30% coinsurance 40% coinsurance Not covered None Physician/surgeon fees 30% coinsurance 40% coinsurance Not covered None

If you need mental health, behavioral health, or substance abuse services

Outpatient services Office & other outpatient services:

30% coinsurance

Office & other outpatient services:

40% coinsurance

Not covered None

Inpatient services 30% coinsurance 40% coinsurance Not covered None

If you are pregnant

Office visits No charge No charge Not covered Cost sharing does not apply for preventive services. Maternity care may include tests and services described elsewhere in the SBC (i.e., ultrasound).

Childbirth/delivery professional services 30% coinsurance 40% coinsurance Not covered

Childbirth/delivery facility services 30% coinsurance 40% coinsurance Not covered

If you need help recovering or have other special health needs

Home health care 30% coinsurance 40% coinsurance Not covered 60 visits/calendar year.

Rehabilitation services 30% coinsurance 40% coinsurance Not covered 60 visits/calendar year for Physical, Occupational & Speech Therapy combined, including outpatient hospital services.

Habilitation services 30% coinsurance 40% coinsurance Not covered None Skilled nursing care 30% coinsurance 40% coinsurance Not covered 60 days/calendar year.

https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#emergency-room-care-emergency-services https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#network https://www.healthcare.gov/sbc-glossary/#network https://www.healthcare.gov/sbc-glossary/#emergency-medical-transportation https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#network https://www.healthcare.gov/sbc-glossary/#network https://www.healthcare.gov/sbc-glossary/#urgent-care https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#cost-sharing https://www.healthcare.gov/sbc-glossary/#preventive-care https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#home-health-care https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#rehabilitation-services https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#habilitation-services https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#skilled-nursing-care https://www.healthcare.gov/sbc-glossary/#coinsurance

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Event Services You May Need

What You Will Pay Limitations, Exceptions, & Other

Important Information Tier 1 Provider

(You will pay the least)

Tier 2 Provider (You will pay more)

Out-of-Network Provider

(You will pay the most)

Durable medical equipment 30% coinsurance 40% coinsurance Not covered Limited to 1 durable medical equipment for same/similar purpose.

Excludes repairs for misuse/abuse.

Hospice services 30% coinsurance 40% coinsurance Not covered None

If your child needs dental or eye care

Children's eye exam Not covered Not covered Not covered Not covered.

Children's glasses Not covered Not covered Not covered Not covered.

Children's dental check-up Not covered Not covered Not covered Not covered.

Excluded Services & Other Covered Services:

Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)

• Acupuncture

• Bariatric surgery

• Cosmetic surgery

• Dental care (Adult & Child)

• Glasses (Child)

• Long-term care

• Non-emergency care when traveling outside the U.S.

• Prescription drugs

• Private-duty nursing

• Routine eye care (Adult & Child)

• Routine foot care

• Weight loss programs

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)

• Chiropractic care - 20 visits/calendar year. • Hearing aids - 1 hearing aid per ear/3 years. • Infertility treatment - Limited to the diagnosis & treatment of underlying medical condition.

Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is:

• For more information on your rights to continue coverage, contact the plan at 1-888-982-3862.

• If your group health coverage is subject to ERISA, you may also contact the Department of Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272) or http://www.dol/gov/ebsa/healthreform

• For non-federal governmental group health plans, you may also contact the Department of Health and Human Services, Center for Consumer Information and Insurance

Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov.

• If your coverage is a church plan, church plans are not covered by the Federal COBRA continuation coverage rules. If the coverage is insured, individuals should contact their State insurance regulator regarding their possible rights to continuation coverage under State law.

https://www.healthcare.gov/sbc-glossary/#durable-medical-equipment https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#durable-medical-equipment https://www.healthcare.gov/sbc-glossary/#durable-medical-equipment https://www.healthcare.gov/sbc-glossary/#hospice-services https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#excluded-services https://www.healthcare.gov/sbc-glossary/#prescription-drugs https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#plan https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/affordable-care-act/ https://www.healthcare.gov/sbc-glossary/#plan http://www.cciio.cms.gov/ https://www.healthcare.gov/sbc-glossary/#plan

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Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information on how to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact:

• If your group health coverage is subject to ERISA, you may contact Aetna directly by calling the toll-free number on your Medical ID Card, or by calling our general number at 1-888-982-3862. You may also contact the Department of Labor's Employee Benefits Security Administration at 1-866-444-EBSA (3272) or http://www.dol/gov/ebsa/healthreform

• For non-federal governmental group health plans, you may also contact the Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov.

• Additionally, a consumer assistance program can help you file your appeal. Contact information is at:

http://www.aetna.com/individuals-families-health-insurance/rights-resources/complaints-grievances-appeals/index.html.

Does this plan provide Minimum Essential Coverage? Yes.

Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit.

Does this plan meet Minimum Value Standards? Yes.

If your plan doesn't meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

To see examples of how this plan might cover costs for a sample medical situation, see the next section https://www.healthcare.gov/sbc-glossary/#health-insurance https://www.healthcare.gov/sbc-glossary/#marketplace https://www.healthcare.gov/sbc-glossary/#marketplace http://www.healthcare.gov/ https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#claim https://www.healthcare.gov/sbc-glossary/#grievance https://www.healthcare.gov/sbc-glossary/#grievance https://www.healthcare.gov/sbc-glossary/#appeal https://www.healthcare.gov/sbc-glossary/#claim https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#claim https://www.healthcare.gov/sbc-glossary/#appeal https://www.healthcare.gov/sbc-glossary/#grievance https://www.healthcare.gov/sbc-glossary/#plan https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/affordable-care-act/ https://www.healthcare.gov/sbc-glossary/#plan http://www.cciio.cms.gov/ https://www.healthcare.gov/sbc-glossary/#appeal http://www.aetna.com/individuals-families-health-insurance/rights-resources/complaints-grievances-appeals/index.html https://www.healthcare.gov/sbc-glossary/#minimum-essential-coverage https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#health-insurance https://www.healthcare.gov/sbc-glossary/#marketplace https://www.healthcare.gov/sbc-glossary/#minimum-essential-coverage https://www.healthcare.gov/sbc-glossary/#premium-tax-credits https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#minimum-value-standard https://www.healthcare.gov/sbc-glossary/#premium-tax-credits https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#marketplace

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Note: These numbers assume the patient does not participate in the plan’s wellness program. If you participate in the plan’s wellness program, you may be able to reduce your costs. For more information about the wellness program, please contact: 1-888-982-3862.

About these Coverage Examples:

This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

The plan's overall deductible $5,000 Specialist coinsurance 30% Hospital (facility) coinsurance 30% Other coinsurance 30%

This EXAMPLE event includes services like:

Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

Total Example Cost $12,700 In this example, Peg would pay:

Cost Sharing Deductibles $5,000 Copayments $0 Coinsurance $1,550 What isn't covered Limits or exclusions $70 The total Peg would pay is $6,620

Hospital (facility) coinsurance 30% Other coinsurance 30%

This EXAMPLE event includes services like:

Primary care provider office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Diabetic supplies (glucose meter)

Total Example Cost $5,600

In this example, Joe would pay:

Cost Sharing

Deductibles $1,100

Copayments $0

Coinsurance $0

What isn't covered

Limits or exclusions $4,300

The total Joe would pay is $5,400

Hospital (facility) coinsurance 30% Other coinsurance 30%

This EXAMPLE event includes services like:

Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

Total Example Cost $2,800 In this example, Mia would pay:

Cost Sharing Deductibles $2,800 Copayments $0 Coinsurance $0 What isn't covered Limits or exclusions $10 The total Mia would pay is $2,810

Peg is Having a Baby (9 months of in-network pre-natal care and a hospital delivery)

Managing Joe’s Type 2 Diabetes (a year of routine in-network care of a well-controlled condition)

Mia’s Simple Fracture (in-network emergency room visit and follow up care)

The plan would be responsible for the other costs of these EXAMPLE covered services.

https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#provider https://www.healthcare.gov/sbc-glossary/#cost-sharing https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#copayment https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#excluded-services https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#specialist https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#specialist https://www.healthcare.gov/sbc-glossary/#diagnostic-test https://www.healthcare.gov/sbc-glossary/#specialist https://www.healthcare.gov/sbc-glossary/#cost-sharing https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#copayment https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#specialist https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#primary-care-provider https://www.healthcare.gov/sbc-glossary/#diagnostic-test https://www.healthcare.gov/sbc-glossary/#prescription-drugs https://www.healthcare.gov/sbc-glossary/#durable-medical-equipment https://www.healthcare.gov/sbc-glossary/#cost-sharing https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#copayment https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#plan https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#specialist https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#coinsurance https://www.healthcare.gov/sbc-glossary/#emergency-room-care-emergency-services https://www.healthcare.gov/sbc-glossary/#diagnostic-test https://www.healthcare.gov/sbc-glossary/#durable-medical-equipment https://www.healthcare.gov/sbc-glossary/#rehabilitation-services https://www.healthcare.gov/sbc-glossary/#cost-sharing https://www.healthcare.gov/sbc-glossary/#deductible https://www.healthcare.gov/sbc-glossary/#copayment

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