Benefits
Medical
Medical insurance provides essential coverage for a wide range of healthcare needs—from routine checkups and preventive care to major medical services like surgeries and hospital stays. With access to a network of trusted providers, this coverage helps manage healthcare costs, protects against unexpected expenses, and supports overall wellness for individuals and families.
Telemedicine
Telemedicine gives you 24/7 access to licensed doctors and healthcare providers by phone or video—anytime, anywhere. It’s a convenient, affordable way to get care for common conditions like colds, flu, allergies, or skin issues without leaving home. Many services also include mental health support and prescription refills, helping you save time and avoid unnecessary trips to the doctor’s office.
Dental
Dental insurance helps cover the cost of preventive care, basic procedures, and major dental work—keeping your smile healthy and your out-of-pocket costs manageable. Coverage typically includes routine exams, cleanings, x-rays, fillings, and more extensive services like crowns or dentures. Regular dental care not only supports oral health but also contributes to overall well-being.
Vision
Vision insurance provides essential coverage for eye care, ensuring that individuals and families can maintain optimal eye health and clear vision. With a vision insurance plan, members gain access to routine eye exams, prescription glasses, contact lenses, and discounts on corrective eye surgeries. This coverage not only helps manage the cost of eye care but also promotes regular check-ups, which can detect early signs of eye conditions and other health issues. Enjoy the benefits of improved vision and overall well-being with comprehensive vision insurance.
FSA
A Flexible Spending Account (FSA) is a pre-tax benefit that allows you to set aside money to pay for eligible out-of-pocket healthcare expenses. Use your FSA for things like copays, prescriptions, medical supplies, dental and vision care. Because contributions are made before taxes, an FSA lowers your taxable income—helping you save money while planning ahead for everyday health expenses.
Life/AD&D
Life and Accidental Death & Dismemberment (AD&D) insurance provides financial protection for your loved ones in the event of your death or a serious accident. Life insurance pays a benefit to your beneficiaries if you pass away, while AD&D provides additional coverage for accidental death or severe injuries like loss of limbs or eyesight. This coverage helps ensure financial stability during life’s most difficult moments.
Disability
Disability insurance helps protect your income if you’re unable to work due to illness, injury, or pregnancy. It replaces a portion of your paycheck—short-term coverage is designed for temporary conditions, while long-term coverage supports extended or permanent disabilities. This benefit provides financial security so you can focus on recovery without worrying about everyday expenses.
Educator Disability – Benefit Summary
Educator Disability – Certificate of Coverage
Educator Disability – Claim Instructions
Employee Assistance Program
An Employee Assistance Program (EAP) offers free, confidential support to help you navigate life’s challenges—at work and at home. Services include counseling for emotional well-being, resources for legal and financial concerns, work-life balance tools, and 24/7 access to digital support. Whether you’re facing stress, relationship issues, or financial planning needs, the EAP is here to help you thrive.
Other Benefits
Accident
Accident insurance provides a financial safety net when unexpected injuries happen. It pays a lump-sum benefit to help cover out-of-pocket costs like emergency care, hospital stays, X-rays, or follow-up treatments after an accident. This coverage helps ease the financial stress so you can focus on recovery—not bills.
Critical Illness
Critical illness insurance offers a lump-sum payment if you’re diagnosed with a covered serious illness, such as cancer, heart attack, or stroke. This benefit can be used for anything you need—medical bills, travel for treatment, or everyday expenses—giving you financial flexibility and peace of mind during a challenging time.
Critical Illness Benefit Summary
Hospital Indemnity
Hospital indemnity insurance provides a cash benefit when you’re admitted to the hospital due to illness or injury. It helps cover expenses that your medical plan may not—like deductibles, transportation, or lost income. Benefits are paid directly to you, so you can use them however you need during a hospital stay.
Hospital Indemnity Benefit Summary
Whole Life
Whole life insurance provides lifelong coverage with a guaranteed death benefit and a cash value component that grows over time. Premiums stay the same throughout your life, and the policy builds equity you can borrow against if needed. It’s a stable, long-term solution that offers financial protection for your loved ones and supports your broader financial planning goals.
Medical Transport
Medical transport insurance covers the high cost of emergency medical transportation, including ground or air ambulance services. Whether you’re facing a serious accident or medical crisis, this coverage ensures you get to the nearest appropriate facility without worrying about unexpected bills—often not fully covered by standard health insurance. Peace of mind when every second counts.
MASA Emergent Plus Membership Plan
Carrier Contacts
FBMC Benefits Management
7300 State Hwy 121, Ste. 300.
McKinney, Texas 75070
877-596-4993
www.FBMC.com
MEDICAL
Blue Cross Blue Shield of TX
Group numbers:
– AC Primary 385003
– AC Primary+ 385001
– AC HD 385000
– AC 2 385002
866-355-5999
www.bcbstx.com/trsactivecare
TELEMEDICINE
Recuro Health
N/A
(855) 673-2876
recurohealth.com
DENTAL / VISION
Sunlife
Group: #968219
Dental: (800) 442-7742
Vision: (800) 877-7195
www.Sunlife.com
BASIC AND VOLUNTARY LIFE / AD&D
Sunlife
Group# 968219
800-247-6875
www.Sunlife.com
FSA | HSA
NBS
Group: #NBS266731
www.nbsbenefits.com
EDUCATOR DISABILITY
The Hartford
Policy# 481061
800-523-2233
www.thehardford.com
EMPLOYEE ASSISTANCE PROGRAM
Guidance Resources
Group: #EAPEssential
App: GuidanceNow
(800) 460-4374
www.guidanceresources.com
HOSPITAL INDEMNITY | ACCIDENT | CRITICAL ILLNESS W/ CANCER
Mutual of Omaha
Group #: G000CJKV
866-372-5577
customerserve@healthcomp.com
WHOLE LIFE
Colonial
BCN: E6177547
800-325-4368
www.coloniallife.com
EMERGENCY MEDICAL TRANSPORT
Masa
Group #: B2BKRISD
800-643-9023
www.masamts.com