Outpatient Clinical Laboratory Information
All Plan providers should refer members to in-network lab providers for outpatient lab services. To locate participating labs in the Plan network, visit Provider Finder® on the BCBSTX website.
Statewide In-Network Clinical Labs for HealthSelect Participants include:.
- Clinical Pathology Laboratory For locations or questions, contact CPL at or visit CPL’s website.
- LabCorp For locations or questions contact LabCorp at 1-888-LAB-CORP or visit LabCorp’s website
- Quest Diagnostics, Inc For locations or questions contact Quest at or visit Quest’s website.
Refer to Provider Finder for additional participating clinical laboratory providers.
How Health Insurance Helps
Health insurance protects you before you get hurt or sick.
If you get hurt or sick and need to go to the doctor, health insurance protects you from paying high medical bills.
Health insurance is also called a health benefit plan. Health benefit plans cover preventative services like wellness visits, shots, and screening tests. These services help you stay healthy and avoid future health problems.
Other Campus Services And Resources
The university also offers a wide variety of services to faculty and staff, including additional perks that range from wellness programs to professional development opportunities. Please note that not all benefits offered to university faculty and staff are centrally administered by Human Resources.
Also Check: Purchase An Annuity For Retirement
Health Benefits For Retirees
Retiree health benefits, offered through the Texas Employees Group Benefits Program , are available to most State of Texas retirees and their eligible dependents. Currently, you need at least 10 years of service credit with an agency or higher education institution that participates in the GBP to be eligible for GBP retiree insurance. Health plan options for retirees are based on Medicare enrollment and where the retiree lives. When a retiree becomes eligible for Medicare and enrolls in Medicare Parts A and B, they will need to call ERS to be enrolled in a Medicare Advantage plan and a Part D prescription drug plan.All health plan options are listed in the table below. Some are available only to retirees enrolled in Medicare.
Employee Benefits At Utsa
UTSA offers an excellent benefits package for its employees. Insurance and Retirement plans are administered out of the UT System Office of Employee Benefits . Please call us at 458-4250 anytime between 8 a.m. and 5 p.m., Monday through Friday.
You are eligible to enroll in the benefits plans if you work at least 20 hours a week, with an appointment time of at least 4.5 months. Please browse the options below for more information.
MDLIVE is fully covered for UT SELECT BCBS members at $0 co-payment.
Teacher Retirement System Alert: Keep Your Personal Information Secure
You May Like: Do You Pay Taxes On Retirement Pension
University Of Houston System Optional Benefits
The University of Houston System partners with Aflac and MetLife/Trustmark to sponsor several optional benefit plans for System benefits-eligible employees through payroll deduction. These supplemental benefits are in addition to the benefits currently offered by the Employee Retirement System however, the cost of each product is the employee’s sole responsibility and will not be supplemented in any way by the university or System. The products offered are Aflac’s Accident, Cancer, Critical Illness and Hospital Protection plans and MetLife/Trustmark’s Universal Life with Long-Term Care plan.
Current employees can add/drop coverage only during the annual open enrollment period. Specific dates for open enrollment vary from year to year but are typically held in late July/early August. New hires have 30 days from their hire date to enroll in Aflac and 90 days from their hire date to enroll in MetLife.
Please keep in mind Aflac and MetLife are optional benefits and are not coordinated with ERS benefits enrollment is completely separate from ERS. To learn more, please call to schedule an appointment with an agent or visit their web sites for more details.
- 3007 N. Ben Wilson St.
- Victoria, TX 77901
State Of Texas Retirement For Active Employees
The State of Texas Retirement program is a defined benefit retirement plan for eligible employees of State of Texas agencies, with mandatory participation.
Note: ERS does not administer retirement benefits for employees of higher education institutions, the Community Supervision and Corrections Department, or Windham School District. If you work for one of these entities, please see the Teacher Retirement System of Texas/Optional Retirement Program page for information about your retirement benefits. Please see the Insurance Benefits in Retirement page for information about your insurance benefits as a retiree.
You May Like: Top 100 Places To Retire In Usa
Texas State Government And Long
The Teacher Retirement System of Texas administers two health benefit programs: one for current public school employees and their dependents, the Texas School Employees Uniform Group Health Coverage Program and one for retirees and their dependents, the Texas Public School Retired Employees Group Benefits Program . This overview addresses TRS-Care only.
TRS-Care is a self-funded program, established in 1985 through Chapter 1575 of the Texas Insurance Code.28 As of Aug. 31, 2016, the TRS-Care program covered about 261,500 retirees, dependents and surviving spouses. Aetna administers the health plan while Express Scripts administers the pharmacy benefit.29
TRS-Care faces a large and growing shortfall. In the absence of supplemental appropriations or changes to the plans design, retiree premiums could triple starting on Sept. 1, 2017.30
Tips For A Less Stressful Retirement
- Even if your state has you well on your way to a successful retirement, you can never plan too much. In other words, make sure that you come up with very exact financial objectives that you want to achieve so that you have a concrete place that you can reach.
- Financial advisors deal with the perils of planning for retirement every day, and they can help you set your strategy up. If youre interested in finding an advisor located near where you live, SmartAssets financial advisor matching tool can set you up with up to three such people. Take a few minutes to fill out the survey associated with this program, and be as truthful as possible.
Don’t Miss: Retirement Visa Thailand Health Insurance
Health Plan Premium Rates
Currently, the State of Texas pays for at least part of most retirees monthly health care rates . This is called the state contribution. If the state doesnt pay 100% of the premium, the retiree pays the remainder. The states contribution is based on available funding provided by the Texas Legislature and depends on three things:
- how many years the retiree worked in a benefits-eligible position at an agency or higher education institution that participates in the GBP,
- whether the retiree worked full-time or part-time in their last three months of employment at a participating agency/institution and
- whether the retiree had at least five years of eligible service at a GBP-participating agency or institution as of Sept. 1, 2014.
See health plan comparison charts and premium rate sheets .IMPORTANT NOTICE ABOUT INSURANCE: Health and other insurance benefits for employees and retirees are subject to change based on available state funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.
Healthselect Of Texas For Active Employees
HealthSelect of Texas® is a network-based, point-of-service plan. Blue Cross and Blue Shield of Texas is the plan administrator. HealthSelect of Texas is available to employees who live or work in Texas. HealthSelectSM Out-of-State is available to employees who live or work outside of the State of Texas.Prescription drug coverage is provided through the HealthSelect Prescription Drug Program, which is administered by OptumRx. You will get two ID cards:
- one for your medical benefits and
- one for your prescription drug benefits.
When you enroll in HealthSelect of Texas, you automatically get $5,000 of Basic Term Life Insurance, which includes a $5,000 accidental death and dismemberment benefit.
Also Check: Ways To Save For Retirement Besides 401k
Employees Retirement System Of Texas
Benefits eligible employee insurance benefits are administered by the Employees Retirement of Texas . We offer three health plans under the guidelines of ERS:
The State of Texas pays 100% of full-time employees health insurance premiums and basic life insurance plan. Dependent health coverage is also available and becomes effective at the same time as the employees. The state pays for 50% of dependent health insurance premiums. Part-time employees that work more than 20 hours per week are also offered insurance benefits with a portion of the premium benefit provided by the state.
To learn more visit the new employees website provided by ERS. Additionally, you will meet one-on-one with the Benefits Manager within your first few days to go over all benefits available to you.
Optional state benefits include dental, vision, life insurance, and disability insurance. ERS also provides flexible spending health care and dependent care reimbursement accounts.
Summaries Of Benefits And Coverage
Summaries of Benefits and Coverage for ERS health plans are available for download below.
If you have questions about words or phrases used in the SBCs, please see the Glossary of Health Coverage and Medical Terms.
Effective September 1, 2021 Scott and White Care Plans and Community First Health Plans are not offered in the Texas Employees Group Benefits Program .
If you want a Summaries of Benefits and Coverage mailed to you, please contact the health plan at the toll-free number below.
- HealthSelect of Texas®plans: 252-8039
- Community First Health Plans: 698-7032, TTY: 390-1175
- Scott and White Care Plans: 321-7947, TTY: 735-2989
Also Check: Best Retirement Communities In Rhode Island
Medical Dental And Prescription Drug Plans
United Healthcare Group#: 912772
Sign up at: www.MyUHC.com you can check benefits, view claims, find a doctor, ask questions and more.
Get on-the-go access: Download the United Healthcare Health4Me mobile app for free to access your health plan ID card, find nearby care and more.
Contact the Employee Assistance Program for confidential support, 24 hours a day, 365 days a year by calling: 1-866-633-2446.
The Quit For Life program provides information regarding tobacco cessation methods and related well-being support. Get help on-line or call: 1-866-784-8454 to reach a coach.
Care24 Services lets you speak directly with an experienced registered nurse or masters-level counselor any time and is available 24 hours a day, 7 days a week.
TX DHMO Fee Schedule DHMO D094C Fee Schedule
Need More Information?
To view additional plan information, log in to your MyUHC account at www.myuch.com and choose View Coverage Details. You can then choose to see Medical, Dental and/or Pharmacy plan details.
If you dont already have a MyUHC account the following PDF contains easy step by step instructions on how to register, as well as a list of information you will have access to by registering.
Health Marketplace: Buying Your Own Health Insurance
Insurance you buy from a company or the marketplace is individual insurance. Itâs sold to individuals, not to members of a certain group.
You can buy individual coverage through:
- An insurance company or health maintenance organization
- A licensed health insurance agent who has a relationship with one or more insurance companies
- Healthcare.gov, the online federal health insurance Marketplace
- Theâ¯Plan Finderâ¯on Healthcare.gov for individuals and small businesses
- Aâ¯Navigatorâ¯approved to help with Marketplace enrollment
You May Like: Best Retirement Communities In Atlanta
Clinic Hours Of Operation
|Mon-Thu from 7:30 AM to 5:30 PMFri from 7:30 AM to 11:30 AM||Wed-Thu from 7:30 AM to 5:30 PMFri from 7:30 AM to 11:30 AM||Mon-Tues from 7:30 AM to 5:30 PM|
Employees may select from four plans: an Exclusive Physician Organization , Choice Plus Preferred Physician Organization , Consumer Choice or a High Deductible Health Plan with a Health Savings Account . All four options include a Pharmacy Plan. Travis Countys current policy is to pay 100% of the employees health insurance premium for the Consumer Choice and HDHP. Employees will pay a premium for both the EPO and PPO. Other insurance benefits include $50,000 Basic Life and AD& D paid by the County.
The following benefits are employee paid:
- Long Term Disability
- Long Term Care
New employees are covered on the first day of the month following 28 calendar days of employment.
Joint Committee Plan Options
The 2015 Legislature created a Joint Interim Committee to Study TRS Health Benefit Plans to examine the sustainability of TRS-Care and affordability of TRS-ActiveCare and present its findings before the beginning of the 2017 legislative session.
The committees November 2016 report offered a series of proposals for TRS-Care, based on the assumptions that current state, school district and active employee contributions would not increase and participant costs would rise. These include:
Don’t Miss: Retirement Communities Near San Marcos Tx
Types Of Retirement Systems In Texas
Like many states with successful pension funds, Texas retirement systems are condensed and inclusive. In theory, that helps them stay financially afloat because of the influx of active members paying into the fund. While these retirement systems heavily affect the type of benefits and distributions youll receive in retirement, theres more that goes into the equation. Each of the systems listed below includes a set of stipulations that help clarify exactly what youre due. These are most notably the age you retire at and how much service time you accrued.
|Texas Retirement Systems|
|Employees, district attorneys and elected state officials at Texas state agencies Certified peace officers in the Law Enforcement & Custodial Officers Supplemental Retirement Fund Judges in Judicial Retirement System 1 or 2|
|Texa$aver 401 / 457 Program||Those hired by a state entity on or after 9/1/2008 are automatically enrolled Anyone hired by a state agency before that can open an account whenever|
|Teacher Retirement System||Teachers employed for at least 20 hours/week and 4.5 months/school year at a single public education institute Applies from K-12 to higher education state institutes|
|Optional Retirement Program||Same requirements as TRS, but only for teachers at higher education state institutes|
Current Financial Health Of The Texas Retirement System
Texas retirement fund system has fallen a bit short of its pension fund investment return benchmark over the last 20 years, but that hasnt stopped it from managing the retirement needs of its former public workforce well. As a matter of fact, it beat its most recent projection for 2017 by nearly a 1.5x margin.
The Texas retirement system splits its portfolio investments between short-term securities, cash, international/domestic equities, alternative strategies and, most importantly, fixed income. This is fairly typical for most state funds. But the inclusion of less than 25% fixed income securities does create a bit more risk than usual.
Also Check: New York Life Retirement Plan
Insurance Benefits In Retirement
|Health + $2,500 Basic Term Life + Prescription Drug Coverage||Health + $5,000 Basic Term Life and Accidental Death & Dismemberment + Prescription Drug Coverage|
|Optional Term Life – Elections 1-2 or $10,000 Fixed Optional Life||Optional Term Life – Elections 1-4|
|Dependent Term Life – $2,500|
|TexFlex – Health care and limited flexible spending account:
Dependent care and commuter spending accounts:
The TexFlex debit card is deactivated on the last day of the month in which your employment ends.
|TexFlex – Active employees, including retirees with active employee benefits, can contribute to and use funds in TexFlex health or limited, dependent care and/or commuter spending accounts.|
|Texa$aver – Retirees can keep their Texa$aver accounts and can roll over funds from other retirement accounts into their Texa$aver accounts.
||Texa$aver – Active employees automatically enrolled in the 401 at 1%
Retired Employee Eligibility For Ut Insurance
1 . An individual who was employed at a UT System institution in a benefits-eligible position during August 2003 and subsequently retires from the System is eligible for benefits as a retired employee if:
2. An individual who was: 1) not employed in a benefits-eligible position during August 2003, and 2) not yet retired or already eligible to retire under the above rules during August 2003, is eligible for benefits as a retired employee if:
Read Also: Homestead Retirement St Cloud Fl
City Of Cedar Park Texas
Benefits ProgramWelcome to the City of Cedar Park benefits information page. To provide the best quality of life for its employees, the City provides a number of opportunities for all regular full-time employees to participate in group medical, dental, life insurance and long-term disability programs. Retirement options are provided by the Texas Municipal Retirement System . Other programs such as paid vacation time, deferred compensation and educational assistance are also offered. Health Insurance:
The City offers employees medical insurance through AETNA. There is no Primary Care Physician required. You have the option to choose on the following plans: Base or High .
Dental Insurance:Employee coverage is provided by the City, Dependent coverage available. Provider Bluecross Blueshield
Life Insurance/AD& D:Employee coverage provided by the City, equivalent to two times the employees salary for life insurance and an additional two times the employees salary for AD& D. Supplemental voluntary employee coverage and dependent coverage also available. Provider Minnesota Life
Long Term Disability Insurance:Employee coverage provided by the City. Provider Madison National Life
Employee Assistance Plan:Guidance and confidential counseling for employees and dependents. Provider Alliance Work Partners
Additional Information: For more detailed information on benefits offered by the City of Cedar Park, view our Benefits Guide.