Round Rock Christian Academy

Table of Content

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  2. Page
    1. WELCOME
    2. ENROLLMENT
    3. MEDICAL
    4. UNDERSTANDING YOUR BENEFITS
    5. DENTAL
    6. VISION
    7. LIFE
    8. DISABILITY
    9. EAP - Employee Assistance Program
    10. REQUIRED NOTICES AND DOCUMENTS
    11. CONTACT US
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WELCOME

Helping you and your family reach and maintain good health is very important to Round Rock Christian Academy. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.




ENROLLMENT

How To Enroll In Benefits

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year. 

You can, however, modify your elections under certain circumstances, called "Qualifying Events". These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.

 

EMPLOYEE ELIGIBILITY

You are eligible to participate if you are a full-time employee and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 30 days from your date of hire.

 

ENROLLMENT

All team members will have access to our Ease online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.

Accessible 24/7;

View all benefit plan options and your elections;

View important carrier forms and links;

Report a qualifying life event; and

Make changes to beneficiary designations and more.


Open Enrollment - 11/01/2022 - All Eligible Employees will receive an email with their EASE Login Credentials before Open Enrollment begins.

New Hires after 11/01/2022 - Round Rock Christian Academy will send an email with your EASE Login Credentials


Select the link below to log on to your Ease portal. 

MEDICAL

United Healthcare

Round Rock Christian Academy is please to offer 3 Medical plan options through United Healthcare


Base plan - ANDQ - Choice Network - In network only benefits - You must stay IN NETWORK to receive Benefits - * No Out of Network Coverage available.

Mid Plan - BCZ2 - Choice Network - In network only benefits - You must stay IN NETWORK to receive Benefits - * No Out of Network Coverage available.

Buy-Up plan - BCYC - Choice Plus Network - In and Out of Network benefits


All three plans offer copays for Doctor’s Visits, Urgent Care, and Prescriptions.


*Emergency services received at an Out of Network provider would be treated as In Network, but only in cases of a TRUE emergency. See plan SBC for specific coverage details

UNDERSTANDING YOUR BENEFITS

How to Read an EOB - Explanation of Benefits

How to Read an EOB - Explanation of Benefits

Video - Benefit Terms Explained

Video - Benefit Terms Explained

PCP vs Urgent Care vs Emergency Room

PCP vs Urgent Care vs Emergency Room

DENTAL

Principal Voluntary Dental

The Principal Voluntary Dental plan provides comprehensive coverage to help you and your family maintain good dental health. When you receive services from a dentist in the Principal network, your cost may be lower. Network dentists agree to lower their fees for dental services and not charge you the difference.


You and your covered dependents will have access to the Principal Plan Dental network, with more than 117,000 dentists nationwide. When you receive care from an out-of-network-provider, benefits will be based on the 90th percentile of the usual and customary charges.

Access the Principal provider finder below to find an In Network dentist or call 800-247-4695.


Video - How Dental Insurance Works

Video - How Dental Insurance Works

VISION

Video - How Vision Insurance works

Video - How Vision Insurance works

PRINCIPAL Voluntary Vision

DID YOU KNOW?

  • Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
  • Babies should receive their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes

The vision plan offered through Principal will help pay for eye exams, prescription glasses and contact lenses.

You receive a higher level of benefits when you see an In Network VSP provider. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.


Review coverage details in the plan summary below.

LIFE

PRINCIPAL LIFE / AD&D

EMPLOYER PAID LIFE COVERAGE

Round Rock Christian Academy provides $50,000 of Life Insurance coverage to all Eligible employees at No Cost to You.

Full Time eligible employees are automatically enrolled for Life Insurance coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment to your beneficiary if your death is the result of an accident.


Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.


SUPPLEMENTAL LIFE COVERAGE

In addition to your employer provided Basic Life insurance coverage, you have the opportunity to enroll in voluntary / Supplemental Life insurance coverage. Coverage is also available for your eligible dependents, however, It is required that you elect coverage for yourself in order to elect coverage for your dependents. 


*Guaranteed Issue (GI) and Evidence of Insurability (EOI)

When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).

Any amount elected over the GI will require EOI. If you elect optional life coverage and are required to complete an EOI, it is your responsibility to complete the EOI and make sure it gets to the provider or your HR department for processing with the Provider. Elected coverage over the GI amount will not be installed until the EOI is received and the carrier has approved it. In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.


Cost of Supplemental Life Coverage

Premiums are based on age-rated tables and paid by the employee every pay period through a payroll deduction. These premiums are post-tax and benefits payable are tax-free.

Employee Coverage

Choose in $10,000 increments up to a maximum of $300,000 - GI Amt - $100,000

Spouse Coverage

Choose in $5,000 increments up to the lesser of 100% of the amount you elect for yourself or $100,000 - GI Amount $25,000

Dependent Coverage

$5,000 OR $10,000 - This benefit covers all of your dependent children. One premium for ALL children.

Do I have to take a health exam to get coverage?

If you and your dependents enroll in coverage at your initial eligibility date, you may apply for up to the Guaranteed Issue amounts without medical questions.


At Open Enrollment:

If you are currently enrolled, you may choose to increase your current Supplemental Life coverage by adding an additional $10,000 or $20,000 in coverage for yourself with no EOI required. Every year during open enrollment, you can continue to increase your coverage up to the maximum benefit. If you have coverage for yourself, you can also add or increase coverage for your spouse and children with no health questions asked.

EX... Employee currently has $30k, they could increase to $40k or $50k at open enrollment without EOI.

Any employee who previously declined Supplement Life coverage and wants to add the coverage at Open Enrollment can purchase $10,000 or $20,000 in coverage for themselves with no health questions and up to 100% of their elected amount for their Spouse. (Spouse amt may not exceed Employee amt)

 

DISABILITY

PRINCIPAL SHORT AND LONG TERM DISABILITY

Round Rock Christian Academy provides Disability Income Protection to all eligible Employees at NO COST.


Short-Term Disability

Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. This coverage pays 60% of your income to a maximum of $1,000 per week.


Long Term Disability

Disability benefits are designed to replace a portion of your income if you are unable to work for an extended period of time due to an accident or sickness. Benefits begin after a 90 day elimination period and are equal to 60% of covered monthly earnings up to $5,000 for all eligible employees. The benefit paid to you is taxable.


See Disability plan summaries below for plan details.


Video - Short Term Disability Insurance

Video - Short Term Disability Insurance

Video - Long Term Disability

Video - Long Term Disability

EAP - Employee Assistance Program

PRINCIPAL

Employee Assistance Program


Your Mental Health and Wellbeing is very important to Round Rock Christian Academy.


You and your Family members have a resource for life’s everyday and not so everyday challenges through an Employee Assistance Program (EAP).

You automatically receive EAP services with your Principal disability coverage.


Provided by Magellan Healthcare, these services include 24/7 phone consultation with licensed mental health professionals, online information and services, referrals to community resources and more.


Review plan details and contact information in the EAP flier provided below.


Video - Managing Stress

Video - Managing Stress

As you consider your benefit options, please be sure to review all available information: Plan Summaries, Intranet, and other videos and flyers found on this webpage. If you have questions about your benefits or need any assistance, please contact:

Client Contacts

PH

Paula Hedley

paulaheadley@rrca-tx.org

(512) 255-4491

Account Team Contacts

ContactImage

Stephanie DeVilbiss

Account Executive

stephanie.devilbiss@nfp.com