2027 Benefit Guide MPS
This document provides detailed information about the benefits enrollment process for Moore Public Schools in 2027.
M o o r e P u b l i c S c h o o l s Benefits Enrollment Guide 2027
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
TABLE OF CONTENTS 19 Accident & Critical Illness 22 ID Theft LTC 05 Medical 09 Dental 11 Vision 12 18 Disability Insurance 21 EAP 20 Symetra Health & Hospital Indemnity 15 Life Insurance 23 Will & Trust 25 Contacts FSA HSA Available Benefits
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 Amounts shown below are your responsibility . CommunityCare HMO $4,000 GlobalHealth HMO $4,000 Network CommunityCare HMO GlobalHealth HMO Coinsurance 0% 0% Office Visit Copay Primary: $25 Specialist: $50 Primary: $25 Specialist: $50 Preventive Care Covered in Full Covered in Full Urgent Care Copay $50 Copay $25 Copay Emergency Room $300 Copay $400 Copay Outpatient Hospital Services $350 Copay per visit $300 / $800 Copay Preferred/Nonpreferred facility Inpatient Hospital Services $400 Copay per day to $2,000 Max $400 Copay per day to $2,000 Max Plan Year Deductible No Deductible No Deductible Medical Out - Of - Pocket . Maximum Individual: $4,000 Family: $10,000 Individual: $4,000 Family: $12,000 Prescription Coverage* Preferred / Non - Preferred Generic Brand Specialty $0 / $15 $40 / $70 $300 $20 / $20 $65 / $90 $200 / $400
Amounts shown below are your responsibility . This table only shows the in - network benefits . HealthChoice HDHP $2,000 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: $2,000 Family: $4,000 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: $6,250 Family: $12,500 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. then Up to $10 Ded. then Up to $45 Ded. then Up to $75 Ded. then Up to $200 $100 / $300 Up to $10 Up to $45 Up to $75 30% Coinsurance $100 / $300 Up to $10 Up to $45 Up to $75 30% Coinsurance Medical
Direct Primary Care New for 2027: Direct Primary Care through Remedy Health. For one flat monthly fee, you and your family get unlimited primary care with no copays, deductibles, or coinsurance. $135 / month | One flat family price Covers you, your spouse or significant other, and dependents under age 25 living in your home. What Your Membership Includes ● Unlimited office and virtual visits ● Same - day and next - day appointments ● 24/7 access to your provider through the Spruce app ● Unrushed visits averaging 45 minutes ● Free top - 100 generic medications ● Free labs and free digital X - rays on site ● Chronic care, women's health, minor procedures and EKGs ● Referrals and care coordination for specialty needs Why It Pairs Well With a High Deductible Health Plan Everyday care is already paid for. An HDHP has the lowest premium, but you pay full price for routine visits until the deductible is met. With DPC, visits, labs, X - rays and generics carry no additional cost. Keep the low premium, cover the gap. Use the HDHP for specialty, hospital and catastrophic care, and Remedy Health for day - to - day primary care. Your HSA dollars stay available for the larger expenses. Fewer expensive visits. Remedy Health reports 40 - 65% fewer emergency room visits and 90% fewer urgent care visits, where a single trip can cost $500 - $700 before your deductible is met. Your Moore clinic: 303 SE 4th Street, Moore. Care is also available at Remedy clinics across Oklahoma . Sign up today at: www .remedyhealth.care/individuals - families#
Pre - Med Defender New for 2027: Pre - Med Defender (PMD) is supplemental medical expense insurance that works as secondary coverage behind your HealthChoice plan, paying eligible deductible and coinsurance amounts so you keep more of your paycheck. Choose Your Pairing - 2027 Rates HealthChoice Basic + PMD HealthChoice HDHP + PMD PMD Deductible $0 individual / $0 family $2,000 individual / $4,000 family (keeps HSA eligibility) Annual PMD Benefit Up to $4,000 individual / $9,000 family Up to $4,250 individual / $8,500 family PMD Monthly Premium $131 employee only; $212 - $380 for other tiers $85 employee only; $134 - $186 for other tiers Best For The lowest possible out - of - pocket exposure Lower payroll deductions and a long - term HSA strategy Why It Is Smart to Pair With the HDHP or Basic Plan It covers the gap these two plans leave. Basic pays first dollar and then leaves you 50% coinsurance; the HDHP leaves a $2,000 individual / $4,000 family deductible. PMD pays those eligible deductible and coinsurance amounts as your secondary coverage. The HDHP pairing is built to protect your HSA. PMD holds a $2,000 / $4,000 deductible so your plan stays HSA - qualified. Pay that first layer with HSA dollars, then PMD takes over - and the monthly premium savings can fund roughly $2,350 to $5,965 of HSA contributions a year. Open enrollment begins October 1, 2026. You must re - enroll in Pre - Med Defender each year - it does not carry over automatically. Enroll at okpremed.com | (918) 212 - 4823 | info@okpremed.com Pre - Med Defender is the marketing name for fully insured Supplemental Medical Expense Insurance underwritten by A - rated carriers. It does not cover outpatient prescription drugs or copays charged by your primary health plan; members use their HealthChoice prescription copay plan. Coverage requires active enrollment in HealthChoice Basic, Basic Alternative, or HDHP. Consult a tax advisor regarding HSA eligibility. Rates shown are for Plan Year 2027 and are subject to change. Pre - Med Defender is not affiliated with HealthChoice and is not sponsored or endorsed by the State of Oklahoma.
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%, Deductible Waived Children and Adults Up to $1,800 Children and Adults 50%, Deductible Waived 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 Covered in Full 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 12 month waiting period 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%, Deductible Waived 50%, Deductible Waived Orthodontic Lifetime Maximum $5,000 per Person $1,500 per Person Cigna Prepaid (GAOV9) Plan Year Deductible No Deductible / $5 Copay Preventive & Diagnostic Care $5 Copay + Fees for Procedures Routine Cleaning No Charge, Every 6 Months Basic Care $5 Copay + Fees for Procedures Major & Restorative Care $5 Copay + Fees for Procedures Plan Year Maximum Per Person Unlimited Orthodontia (Children and Adults) $5 Copay + Fees for Procedures Orthodontic Out - Of - Pocket Max $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 GAOV 9 . Dental
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 Services (PVCS) 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 $50 Soft / $75 Gas Permeable / $150 Hybrid Copay Once Per Calendar Year $25 Copay Contacts No Limit on Number of Pairs You Pay Wholesale Cost Once Per Calendar Year $150 Allowance Unity Vision 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: $70 Contact Lens Fitting & Evaluation Applied to Contact Lens Allowance $60 Copay Contacts $150 Allowance in Lieu of Frames $120 Allowance in Lieu of Frames Vision
For pricing & more information, please refer to benefit packet Only available with enrollment in a High Deductible Health Plan Funds roll over from year to year There are contribution limits listed below 2027 Contribution Limit 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) HSA
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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 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 2027 calendar year. FSA
For pricing & more information, please refer to benefit packet 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 2027 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 Limited Purpose FSA
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 Care FSA
Refer to pages 6 - 8 of the Oklahoma Office of Management & Enterprise Services for additional benefit information . 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 EGID 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. Employer Paid Life & AD&D
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. https://www.standard.com/individual/products-services/workplace-benefits/insurance/estimate-life-insurance-needs https://www.standard.com/individual/products-services/workplace-benefits/insurance/estimate-life-insurance-needs https://www.standard.com/individual/products-services/workplace-benefits/insurance/estimate-life-insurance-needs How much Life Insurance do I need? Additional Life Coverage
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 Disability
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 Accident
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 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 Symetra Health Hospital Indemnity
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. EAP
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 Trustmark’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 Universal Life Events provides a higher death benefit during your working years, when your needs and responsibilities are the greatest. (See reverse for more on how Universal Life Events works.) You can choose a plan and benefit amount that provides the right protection for you. Long Term Care At any point in your life, you may need long - term care services, which could cost hundreds of dollars per day. Universal LifeEvents includes long - term care (LTC) benefit that can help pay for these services at any age. This benefit remains at the same level throughout your life, so the full amount is always available when you most need it. Life with Long - Term Care Identity Theft Life & Long - Term Care
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 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. Planted Estate Planning
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 Enroll
Contacts
(405) 735 - 4308 Chrysta Hudson chrystahudson@moorescho ols.com (866) 949 - 6036 Life & Long Term Care trustmarkbenefits.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 Additional Contacts
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