2026 Benefit Guide MPS
BENEFITS ENROLLMENT GUIDE 2026
Welcome to MPS Benefits Eligibility Enrollment Important Full time employee Work 30 hours a week or more Spouse and dependent children (to age 26) of eligible employee 30 days from hire date to enroll Benefits will become active at the beginning of the month Be ready to provide address, birthdates, and social security numbers for you and any eligible dependents See next page for more information You have coverage on the effective date even if the ID card has not yet arrived If you have any problems, please contact the carrier first, then escalate to INS if needed
Available Benefits TABLE OF CONTENTS 18 Accident & Critical Illness 21 Identity Theft 05 Medical 07 Dental 09 Vision 10 17 Disability Insurance 20 EAP 19 Symetra Health & Hospital Indemnity 14 Life Insurance 21 Life with Long Term Care 23 Contacts FSA HSA
Medical Common Insurance Terms Premium: The amount you pay for insurance Copayment (copay): The fixed amount you pay to receive services Deductible: The amount of money you are responsible for before insurance kicks in and starts paying their portion Coinsurance: The percentage of cost that is split between you and the insurance carrier once your deductible is met Out-of-Pocket Maximum: The most you will pay per plan year for health care expenses, including deductibles, flat dollar copays and coinsurance BlueLinks HMO $4,000 CommunityCare HMO $4,000 GlobalHealth HMO $4,000 Network BlueLinks HMO CommunityCare HMO GlobalHealth HMO Coinsurance 0% 0% 0% Office Visit Copay Primary: $25 Specialist: $50 Primary: $25 Specialist: $50 Primary: $0 Specialist: $50 Preventive Care Covered in Full Covered in Full Covered in Full Urgent Care Copay $50 Copay $50 Copay $25 Copay Emergency Room $300 Copay $300 Copay $400 Copay Outpatient Hospital Services $750 Copay per day $350 Copay per visit $300 / $800 Copay Preferred/Nonpreferred facility Inpatient Hospital Services $1,000 Copay per day to $3,000 Max $400 Copay per day to $2,000 Max $300 Copay per day to $900 Max Plan Year Deductible No Deductible No Deductible No Deductible Medical Out-Of-Pocket .Maximum Individual: $4,000 Family: $12,000 Individual: $4,000 Family: $10,000 Individual: $4,000 Family: $12,000 Prescription Coverage* Preferred / Non-Preferred Generic Brand Specialty $5 / $15 $40 / $80 $100 / $200 $0 / $15 $40 / $70 $300 $20 / $20 $65 / $90 $200 / $400 Amounts shown below are your responsibility.
Medical Amounts shown below are your responsibility. This table only shows the in-network benefits. HealthChoice HDHP $1,750 Deductible HealthChoice High $750 Deductible HealthChoice Basic $1,000 Deductible Network HealthChoice HealthChoice HealthChoice Coinsurance 20% 20% 50% First Dollar Coverage N/A N/A $500 Basic $250 Basic Alternative Office Visit Copay Deductible then, Primary: $30 Specialist: $50 Primary: $30 Specialist: $50 First Dollar, then 50% Preventive Care Covered in Full Covered in Full Covered in Full Urgent Care Copay Deductible then $30 Copay + Coins Deductible then $30 Copay + Coins First Dollar, then Ded. and Coins. Emergency Room $200 Copay + Ded. & Coins. $200 Copay + Ded. & Coins. First Dollar, then Ded. and Coins. Outpatient Hospital .Services Ded. and Coins. Ded. and Coins. First Dollar, then Ded. and Coins. Inpatient Hospital .Services Ded. and Coins. Ded. and Coins. First Dollar, then Ded. and Coins. Plan Year Deductible Individual: $1,750 Family: $3,500 High Individual: $750 Family: $2,000 High Alternative Individual: $1,000 Family: $2,750 Basic Individual: $1,000 Family: $1,500 Basic Alternative Individual: $1,250 Family: $1,750 Medical Out-Of-Pocket .Maximum Individual: $6,000 Family: $12,000 High Individual: $3,300 Family: $8,400 High Alternative Individual: $3,550 Family: $8,400 Individual: $4,000 Family: $9,000 Prescription Coverage* Pharmacy Deductible (Ind. / Fam.) Generic Preferred Non-Preferred Specialty Same as Medical Ded. and Coins. Ded. and Coins. Ded. and Coins. Ded. and Coins. $100 / $300 Up to $10 Up to $45 Up to $75 Up to $200 $100 / $300 Up to $10 Up to $45 Up to $75 Up to $200
Dental Amounts shown below are your responsibility. Only In-Network benefits are shown *For full list of copays, see full plan summary Delta Dental - PPO Delta Dental - Choice HealthChoice Dental Plan Year Deductible $25 per person $100 per person $25 per person $75 per family Preventive & Diagnostic Care Covered in Full Deductible Waived Copays May Apply Deductible Waived Covered in Full Deductible Waived Basic Care 15% after Deductible Copays May Apply 15% after Deductible Major & Restorative Care 40% after Deductible Copays May Apply 40% after Deductible Plan Year Maximum Per Person $2,500 $2,000 $2,500 Orthodontia 40% after Deductible Children and Adults Up to $1,800 Children and Adults 50% after Deductible Children under 19 12 month waiting period Orthodontic Lifetime Maximum $2,000 per Person $1,800 per Person No Maximum MetLife High MetLife Low Sun Life PPO Plan Year Deductible $25 per person $75 per family $50 per person $150 per family $30 per person Preventive & Diagnostic Care Covered in Full Deductible Waived Copays May Apply Deductible Waived Covered in Full Deductible Waived Basic Care 15% after Deductible 30% after Deductible 15% after Deductible Major & Restorative Care 40% after Deductible 50% after Deductible 40% after Deductible Plan Year Maximum Per Person $5,000 $1,500 $1,750 Orthodontia 40% after Deductible Children and Adults 50% after Deductible Children and Adults 40% after Deductible Children under 19 Orthodontic Lifetime Maximum $5,000 per Person $2,000 per Person $1,500 per Person Amounts shown below are your responsibility. Only In-Network benefits are shown Amounts shown below are your responsibility. Only In-Network benefits are shown *For full list of copays, see full plan summary
Dental Amounts shown below are your responsibility. Only In-Network benefits are shown BCBSOK - High Plan BCBS - Low Plan Plan Year Deductible $25 per person $75 per family $50 per person $150 per family Preventive & Diagnostic Care Covered in Full Deductible Waived Covered in Full Deductible Waived Basic Care 15% after Deductible Non-Network: 30% 15% after Deductible Non-Network: 30% Major & Restorative Care 40% after Deductible Non-Network: 50% 50% after Deductible Non-Network: 50% Plan Year Maximum Per Person $2,500 $1,500 Orthodontia (Children under 19) 50% after Deductible 50% after Deductible Orthodontic Lifetime Maximum $5,000 per Person $1,500 per Person Cigna - High Plan Cigna - Low Plan Plan Year Deductible No Deductible / $0 Copay No Deductible / $5 Copay Preventive & Diagnostic Care $0 Copay + Fees for Procedures $5 Copay + Fees for Procedures Routine Cleaning No Charge, Every 6 Months No Charge, Every 6 Months Basic Care $0 Copay + Fees for Procedures $5 Copay + Fees for Procedures Major & Restorative Care $0 Copay + Fees for Procedures $5 Copay + Fees for Procedures Plan Year Maximum Per Person Unlimited Unlimited Orthodontia (Children and Adults) $0 Copay + Fees for Procedures $5 Copay + Fees for Procedures Orthodontic Out-Of-Pocket Max $2,040 Child $2,370 Adult $2,472 Child $3,384 Adult Amounts shown below are your responsibility. Only In-Network benefits are shown For full list of charges, see Patient Charge Schedule OKIV9.
Vision Amounts shown below are your responsibility. Only In-Network benefits are shown Amounts shown below are your responsibility. Only In-Network benefits are shown Primary Vision Care Superior Vision Copays $0 Exam Non-Network: $40 Cost of Materials $10 Exam $25 Materials Routine Eye Exam No Limit on Frequency Once Per Calendar Year Lenses No Limit on Number of Pairs Non-Network: $60 Once Per Calendar Year Frames No Limit on Number of Frames You Pay Wholesale Cost Once Per Calendar Year $150 Allowance Contact Lens Fitting & Evaluation No Limit on Frequency Once Per Calendar Year $25 Copay Contacts No Limit on Number of Pairs You Pay Wholesale Cost Once Per Calendar Year $150 Allowance Vision Care Direct VSP Copays $15 Exam $15 Materials $10 Exam $25 Materials Non-Network: $45 Routine Eye Exam Once Per Calendar Year Once Per Calendar Year Lenses Once Per Calendar Year Once Per Calendar Year Frames $150 Allowance $170 Allowance Non-Network: $75 Contact Lens Fitting & Evaluation $65 Copay $60 Copay Contacts $150 Allowance in Lieu of Frames $120 Allowance in Lieu of Frames
For pricing & more information, please refer to benefit packet HSA Only available with enrollment in a High Deductible Health Plan Funds roll over from year to year There are contribution limits listed below 2026 Contribution Limit Single $4,400 Family $8,750 Age 55+ $1,000 Catch Up Contribution A Health Savings Account is a bank account you can deposit pre-tax dollars used to pay for various medical expenses Only available to those enrolled on the HealthChoice High Deductible Plan There are contribution limits (listed below)
This is a modal window.
For pricing & more information, please refer to benefit packet Use account to pay for general out of pocket health costs You can rollover up to $680, but any additional funds remaining will be lost. Contribution limit of $3,400 FSA Only available to anyone except those enrolled on the HealthChoice High Deductible Plan, as the IRS will NOT allow you to contribute to a HSA and FSA at the same time. A Flexible Spending Account (FSA) is a savings account filled with a predetermined pre-taxed amount from your paycheck each pay cycle. Expenses must be incurred during the 2026 calendar year.
For pricing & more information, please refer to benefit packet Limited Purpose FSA Only available to those enrolled on the HealthChoice High Deductible Plan A Limited Purpose Flexible Spending Account (LPFSA) is a savings account that can ONLY be used for dental and vision expenses. Expenses must be incurred during the 2026 calendar year. Pre-tax benefit that is “Use it or Lose It” You can rollover up to $680, but any additional funds remaining will be lost. Only use for qualifying out of pocket dental and vision expenses Annual contribution limit of $3,400
For pricing & more information, please refer to benefit packet A Dependent Care Flexible Savings Account is a savings account to be used for any eligible dependent care expenses Can use on a dependent under the age of 13 or dependents who cannot care for themselves Annual contribution limit of $7,500 per household Funds can only be used as they are deposited into your account Dependent Daycare Account
Refer to pages 6-8 of the Oklahoma Office of Management & Enterprise Services for additional benefit information. EGID Life & AD&D EGID Basic Life Insurance Coverage Amount Employee Life $20,000 Employee AD&D Equal to your life amount Because life insurance is important to your financial well-being, eligible employees are provided the opportunity to enroll in Basic Life Insurance. You designate your beneficiary when you enroll. This person(s) will receive the benefits from your Life and AD&D coverage in the event of your death. You can change your beneficiaries at any time during the year. EGID Supplemental Life Insurance Coverage Amount Employee Max Life and AD&D Amount $20,000 increments to a maximum of $500,000 Spouse Max Life and AD&D Amount $6,000, $10,000, or $20,000 Child Max Life and AD&D Amount $3,000, $5,000, or $10,000 Employee Guarantee Issue Amount 2x Annual Salary to Nearest $20,000 Increment (Based on Salary to nearest $20,000 increment) Spouse Guarantee Issue Amount $6,000, $10,000, or $20,000 Child Guarantee Issue Amount $3,000, $5,000, or $10,000
Employer Paid Life & AD&D Because life insurance is important to your financial well-being, eligible employees are provided this benefit at no cost. You designate your beneficiary when you enroll. This person(s) will receive the benefits from your Life and AD&D coverage in the event of your death. You can change your beneficiaries at any time during the year. Symetra Life Insurance Coverage Amount Employee Life $10,000 Employee AD&D Equal to your life amount Beneficiaries While not always top of mind, making sure that death benefits are directed to the intended beneficiary(ies) is very important when you have life insurance. Having an up-to-date beneficiary designation will help ensure payments get to the correct person in the event of your passing. Updating a beneficiary is something you can do at any time, so please always keep your beneficiary up to date. For further questions and details, see full benefit summary. You can also go to www.symetra.com.com or call 1 (877) 823-5807.
Additional Life Coverage For further questions and details, see full benefit summary. You can also go to www.symetra.com.com or call 1 (877) 823-5807. Symetra Life Insurance Coverage Amount Employee Max Life and AD&D Amount $10,000 increments to a maximum of $500,000 Spouse Max Life and AD&D Amount $10,000 increments to a maximum of $300,000 Child Max Life and AD&D Amount $5,000 increments to a maximum of $20,000 Employee Guarantee Issue Amount Lesser of 2x annual salary or $200,000 Spouse Guarantee Issue Amount $50,000 Child Guarantee Issue Amount $20,000 Age Reduction To 65% at age 70 To 50% at age 75 Guarantee Issue and Evidence of Insurability (EOI) A guaranteed issue amount on life insurance is the amount of coverage you can elect without having t to submit an Evidence of Insurability (EOI), a medical questionnaire used to determine if you qualify for coverage. If you want to elect a coverage amount that exceeds the guaranteed issue, you can but you will be required to fill out this EOI and go through a coverage approval process. How much Life Insurance do I need?
Disability paycheck protection For further questions and details, see full benefit summary. You can also go to www.symetra.com.com or call 1 (877) 823-5807. The financial consequences of not being able to work due to a sickness or accident off the job can be devastating to both you and your family. We recognize this risk and are pleased to offer a comprehensive disability program. Disability insurances replaces your income for a limited period of time after an accident or injury. Benefits elected outside the New Hire Period may require an individual medical statement. Symetra Educators Disability Income Replacement 66.67% of your Weekly Income Maximum Benefit $100 Increments, Up to $1,500 Weekly / $6,000 Monthly Elimination Period 14 days Maximum Benefit Duration Reducing Benefit Duration, Based on Age When First Disabled* Pre-Existing Conditions 3 month Lookback if a Claim is Filed in the First 12 Months of Coverage
Accident Being prepared for the unexpected can make all the difference. An Accident policy can provide you with a solution for those unforeseen accidents that life sometimes delivers. This coverage will pay you a cash benefit for a myriad of injuries, some of which are shown here. For further questions and details, see full benefit summary. You can also go to www.symetra.com.com or call 1 (877) 823-5807. Critical Illness with Cancer Critical Illness coverage pays you in the event that you are diagnosed with a covered illness. This is a cash benefit paid directly to you. Symetra Coverage Amount Employee Amount Spouse Amount Child Amount $10,000 increments up to $50,000 100% of the employee amount 100% of the employee amount Covered Conditions Include but are not limited to Cancer Heart Attack End Stage Renal Failure Deafness/ Blindness Stroke Major Organ Transplant Wellness Benefit $75 per person per year if they receive any eligible preventive exam or physical. Symetra Plan 1 Plan 2 Hospital / ICU Admission $1,000 / $2,000 $2,000 / $4,000 Ambulance Air / Ground $1,000 / $300 $2,000 / $500 Emergency Room $200 $300 Fractures Up to $2,500 Up to $5,000
For further questions and details, see full benefit summary. You can also go to www.symetra.com.com or call 1 (877) 823-5807. Injuries and illnesses come in all shapes and sizes. That’s why Symetra built Symetra Health as a single product designed to cover 13,000+ conditions across three benefit categories. Moderate Conditions Illnesses or injuries that likely require a short visit to the ER or urgent care. Examples: Simple fractures, lacerations, kidney stones, dehydration 6,000+ Conditions Covered Severe Conditions Serious conditions that require more intensive medical treatment and attention. Examples: Appendicitis, compound fractures, pulmonary embolism 5,600+ Conditions Covered Catastrophic Conditions More acute or life-threatening conditions that require immediate intervention. Examples: Malignant lung cancer, heart attack, stroke, major organ failure 1,500+ Conditions Covered Hospital Indemnity Hospital Indemnity can help with medical costs associated with a hospital stay. These benefits are available for you and your family. This is a cash benefit paid directly to you. Symetra Hospital Indemnity Hospital Confinement $1,000 first day, $250 day 2+ ICU Confinement $1,000 first day, $500 day 2+ Wellness Benefit $50 per person per year if they receive any eligible preventive exam or physical. Symetra Health
EAP We recognize how important our employees and family members’ work/life balance is as you go through life’s many challenges. Through our partnership with Symetra, an Employee Assistance Program is available to you and your household family members at no cost. This program offers you someone to talk to and resources to consult whenever and wherever you need them. Don’t be afraid to reach out for help as, required by law, issues are kept completely confidential and private from all employers. What can my EAP help with? Confidential Counseling Stress, anxiety, and depression Financial problems Difficulties with children Job pressures Grief and loss Substance abuse Legal Support Divorce and family law Debt and bankruptcy Landlord / tenant issues Real estate transactions Civil and criminal actions Contracts Financial Information and Resources Getting out of debt Credit card or loan problems Tax questions Retirement planning Estate planning Saving for college Symetra EAP Phone: 888-327-9573 Online: Guidanceresources.com Mobile App: GuidanceNow Web ID: SYMETRA For further questions and details, see full benefit summary. You can also go to www.symetra.com.com or call 1 (877) 823-5807.
Identity Theft Identity theft is a rising concern and it can happen to anyone. Identify Theft Assistance can offer you peace of mind by providing you with step-by-step coaching and assistance to help you resolve identity theft Identity Theft Coverage Can Help With: Fraud Assistance Document Replacement and Financial Assistance Receiving Alerts for Suspicious Account Activity Identity Theft Protection for Your Whole Family Life & Long Term Care Chubb’s Life coverage design provides lifetime guarantees at a fraction of the cost. Their flexibility allows you to customize benefits for Long Term Care and double your benefit amount. Guaranteed Benefits Death benefits are guaranteed at 100% when you need it most - during your working years when your family is relying on income. While your life policy is in-force, the death benefit is guaranteed for the longer of 25 year, or through age 70. After 10 years, paid-up benefits begin to accrue. After that point, if you stop paying, a reduced paid up amount is issued and will never lapse. So if you retire and stop paying premiums, you will still have a guaranteed death benefit. Long Term Care This benefit pays you death benefits in advance for home health care, assisted living, adult day care and nursing home care. By adding the LTC extension, LTC benefits can last for more than 4 years. With the Death Benefit Restoration, a percentage of the death benefit will be restored; assuring the beneficiary will receive a death benefit even if the original benefit was fully accelerated for LTC. Life with Long-Term Care Maximum Benefit Amount: Employee Spouse Child $225,000 $112,500 $25,000 Guarantee Issue: Employee Spouse Child $150,000 $75,000 $25,000
Your document options Roots Plan: Simple Last Will & Testament, Financial & Healthcare POA, Advance Directive, HIPAA Release Branches Plan: Everything above + Simple Revocable Living Trust Our services are designed to be affordable and transparent. Pricing is provided directly during the enrollment process, so you’ll know exactly what’s included before you get started. Planted Estate Planning Planted Estate Planning makes essential estate planning easy and affordable. Created by an attorney experienced in the field, our plans are designed for families with straightforward needs and clear goals. Flexible payment options are available to help you get started without stress. If your situation requires something more customized, additional services may be available for an added fee. As part of your benefits package, you now have access to attorney-designed estate plans that are easy, affordable, and built with you in mind.
Enroll Click on the link below: https://www.benselect.com/enroll/Login.aspx?Path=moore For technical assistance you may call Total Benefit Solutions at 888-783- 9653. (Hours M-TH 8:30 AM to 5:00 PM and Fridays until 4:00 PM CST) This guide can be found in the Library in the upper right hand corner of the Benefit Portal once you have logged in Use the login credentials as below Please contact INS with any additional questions or concerns Full Employee ID Number
Contacts 844-549-2603
Additional Contacts (405) 735-4308 Chrysta Hudson chrystahudson@mooreschools.com (855) 241-9891 Life & Long Term Care chubb.com (877) 823-5807 Life, DI, Voluntary symetra.com (888) 681-1964 Identity Theft lifelock.norton.com (866) 346-5800 FSA healthequity.com (866) 346-5800 HSA healthequity.com
Thank You!