Lone Star Legal Aid - 2022 Benefits Guide (4)

Mark your calendar for
OPEN ENROLLMENT!
April 11 th to April 22 nd
MONTH
11
REMEMBER: Open Enrollment must be completed by the deadline or
you may not be able to enroll yourself and/or your eligible dependents until our
next open enrollment, or a qualifying event occurs.

CONTENTS
4 Benefits Overview
6 Medical Insurance
10 Health Savings Account
12 Dental Insurance
13 Group Life and AD&D Insurance
14 Disability Insurance
15 Vision Insurance
16 Voluntary Life and AD&D Insurance
17 Voluntary Accident Insurance
18 Voluntary Critical Illness Insurance
20 Voluntary Hospital Indemnity Insurance
22 Open Enrollment Instructions
23 Important Contacts

BENEFITS OVERVIEW
ENROLLMENT
You can enroll in benefits or change your elections at the following times:
• 30 days prior to your initial eligibility date (as a newly hired employee)
• During the annual benefits open enrollment period
• Within 30 days of experiencing a qualifying life event
BENEFIT OPTIONS
Lone Star Legal Aid offers a comprehensive benefits package consisting of:
• Medical Insurance
• Health Savings Account
• Dental Insurance
• Life and AD&D Insurance
• Short-Term and Long-Term Disability Insurance
• Vision Insurance
• Voluntary Life and AD&D Insurance
• Voluntary Accident Insurance
• Voluntary Critical Illness Insurance
• Voluntary Hospital Indemnity Insurance
4

BENEFITS OVERVIEW
ELIGIBILITY
Full-time employees working at least 30 hours per week are eligible for
benefits on the first of the month following date of employment. Many of
the plans offer coverage for eligible dependents, including:
• Your legal spouse
• Your children to age 26, regardless of student, marital, or tax-dependent
status (including stepchild, legally adopted child, a child placed with you
for adoption, or a child for whom you are the legal guardian)
• Your dependent children over age 26 who are physically or mentally
unable to care for themselves
CHANGING BENEFITS AFTER OPEN ENROLLMENT
You may pay your portion of your select coverages and fund the Health
Savings Account, on a pre-tax basis. Thus, due to IRS regulations, once you
have made your elections for the plan year, you cannot change your
benefits until the next annual open enrollment period. The only exception
is if you experience a qualifying event, and election changes must be
consistent with your life event.
To request a benefits change, notify Human Resources within 30 days of
the qualifying life event. Change requests submitted after 30 days cannot
be accepted. You may need to provide proof of the life event.
Qualifying life events include, but are not limited to:
• Marriage, divorce, or legal separation
• Birth or adoption of an eligible child
• Death of your spouse or covered child
• Change in your spouse’s work status that affects his or her benefits
• Change in your child’s eligibility for benefits
• Qualified Medical Child Support Order
5

MEDICAL INSURANCE
CARRIER: Blue Cross Blue Shield of Texas
Plan Options: Two PPO copay plans or a High-Deductible Health Plan
COVERED BENEFITS
Year Deductible
Individual
Family
Please refer to the official plan documents for additional information on coverage and exclusions.
Base Plan
Buy-Up Plan
HDHP
(HSA Eligible)
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
$750
$1,500
$1,500
$3,000
✳ Aggregate deductible/family coverage: The entire family deductible must be satisfied before benefits are available.
✳ Aggregate deductible with an embedded out-of-pocket maximum: When the family deductible is met, coinsurance still applies for an
individual until the individual’s out-of-pocket maximum is met. When the individual’s out-of-pocket is met, that individual’s benefits are
paid 100%
$250
$750
$250
$750
$1,500* OR
$3,000*
Out-of-Pocket Maximum Includes deductible & copays Includes deductible & copays Includes deductible
Individual
Family
$3,000
$6,000
$6,000
$12,000
$750
$2,250
$1,250
$3,750
$4,000**
$8,000**
$3,000* OR
$6,000*
$8,000**
$16,000**
Coinsurance (Plan pays) 80% 60% 90% 80% 80% 60%
Preventive Care Plan pays 100%
Physician Services
Primary Care
MD Live
Urgent Care
Emergency Room
Lab / X-Ray
Diagnostic Lab / X-Ray
High-Tech Services
(MRI/CT/PET)
Hospital Services
Inpatient
Outpatient
PRESCRIPTION DRUGS
RX Out-of-Pocket Maximum
Individual
Family
$30 copay
$30 copay
$75 copay
$150 copay +
20% coinsurance
No charge
20% after
deductible
20% after
deductible
20% after
deductible
RETAIL
(30 day supply)
40% after
deductible
40% after
deductible
40% after
deductible
40% after
deductible
$150 copay +
20% coinsurance
$1,000
$2,000
40% after
deductible
40% after
deductible
40% after
deductible
40% after
deductible
MAIL ORDER
(90 day supply)
Plan pays 100%
$10 copay
$10 copay
$40 copay
$50 copay +
10% coinsurance
No charge
10%
coinsurance
10%
coinsurance
10% after
deductible
RETAIL
(30 day supply)
$500
$1,500
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
$50 copay +
0% coinsurance
20% after
coinsurance
20% after
deductible
20% after
deductible
20% after
deductible
MAIL ORDER
(90 day supply)
Generic $20 copay $60 copay $10 copay $30 copay
Preferred Brand $40 copay $120 copay $15 copay $45 copay
Non-Preferred Brand $60 copay $180 copay $30 copay $90 copay
Specialty
$20 / $40 / $60
copay
N/A
$10 / $15 / $30
copay
N/A
Plan pays 100%
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
RETAIL
(30 day supply)
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
Embedded
40% after
deductible
40% after
deductible
40% after
deductible
40% after
deductible
20% after
deductible
40% after
deductible
40% after
deductible
40% after
deductible
40% after
deductible
MAIL ORDER
(90 day supply)
20% after
deductible
20% after
deductible
20% after
deductible
20% after
deductible
6

WHICH MEDICAL INSURANCE PLAN IS
RIGHT FOR YOU?
Choosing the right medical plan is an important decision. Take
the time to learn about your options to ensure you select the
right plan for you and your family.
THINGS TO CONSIDER
1. Do you prefer to pay more for medical insurance out of your
paycheck, but less when you need care?
2. Or, do you prefer to pay less out of your paycheck, but more
when you need care?
3. What planned medical services do you expect to need in the
upcoming year?
4. Are you able to budget for your deductible by setting aside
pre-tax dollars from your paycheck in an HSA or FSA?
5. Do you or any of your covered family members take
prescription medications on a regular basis?
MEDICAL RATES Base Plan Buy-Up Plan
HDHP
(HSA Eligible)
COVERAGE LEVEL
Attorney
Semi-Monthly
Contribution
Staff
Semi-Monthly
Contribution
Attorney
Semi-Monthly
Contribution
Staff
Semi-Monthly
Contribution
Attorney
Semi-Monthly
Contribution
Staff
Semi-Monthly
Contribution
Employee Only No cost No cost $72.52 $72.52 No cost No cost
EE & Spouse $140.47 $96.32 $283.69 $239.55 $133.54 $91.57
EE & Child(ren) $93.97 $62.65 $218.16 $186.84 $87.44 $58.29
EE & Family $235.04 $163.98 $430.09 $359.04 $215.18 $150.12
7

8

9

HEALTH SAVINGS ACCOUNT
CARRIER: HSA Bank
If you enroll in the High-Deductible Health Plan (HDHP), you may be eligible to
fund a Health Savings Account (HSA). An HSA is a personal health care savings
account that you can use to pay out-of-pocket health care expenses with pre-tax
dollars. Your contributions are tax free and the money remains in the account
for you to spend on eligible expenses no matter where you work or how long it
stays in the account.
WHO IS ELIGIBLE?
You are eligible to open and fund an HSA if:
● You are enrolled in the BCBS HDHP plan
● You are not covered by a non-HSA plan, health care FSA, or health reimbursement arrangement
● You are not eligible to be claimed as a dependent on someone else’s tax return
● You are not enrolled in Medicare
● You have not received Veterans Administration Benefits in the last three months
HSA EMPLOYER CONTRIBUTIONS
● Lone Star Legal Aid will help you save by contributing
$66.67 per month.
● Contributions to a health savings account (including the
employee contributions) cannot exceed the annual IRS
contribution maximums.
● Employees age 55+ by 12/31/2022 may contribute
additional funds to their HSA (up to $1,000 in 2022).
● You must open your HSA through HSA Bank to receive
contributions.
Lone Star Legal Aid
CONTRIBUTES $66.67 TO
YOUR HSA EACH MONTH
$3,650
$7,300 $1,000
INDIVIDUAL
ALL
OTHER TIERS
AGE 55+
CATCH-UP
CONTRIBUTION
10

HEALTH SAVINGS ACCOUNT
CARRIER: HSA Bank
MAXIMIZE YOUR TAX SAVINGS
• Contributions to an HSA are tax-free and can be made through payroll deduction on a pre-tax
basis.
• This money in your HSA (including interest and investment earnings) grows tax-free.
• As long as you use the funds to pay for qualified medical expenses, the money is spent tax-free.
YOU INDIVIDUALLY OWN YOUR HSA
• You own and administer your HSA.
• You determine how much you will contribute to your account and when to use the money to pay
for eligible health care expenses.
• You can change your contributions at any time during the plan year without a qualifying event.
• Like a bank account, you must have a balance in order to pay for eligible health care expenses.
• Keep all receipts for tax documentation.
• An HSA allows you to save and “rollover” money from year to year.
• The money in the account is always yours, even if you change health plans or jobs.
• There are no vesting requirements or forfeiture provisions.
ACCESSING YOUR HSA FUNDS
Debit Card: Draws directly from your HSA and can be used to pay for eligible expenses at your
doctor’s office, pharmacy, or other locations where you purchase health related items or services.
USE YOUR HSA TO PAY QUALIFIED MEDICAL EXPENSES
• You can use your HSA money to pay for eligible expenses now or in the future.
• Funds in your HSA can be used for your expenses and those of your spouse and eligible
dependents, even if they are not covered by the BCBSTX HDHP.
• Eligible expenses include deductibles, doctor’s office visits, dental expenses, eye exams,
prescription expense and LASIK eye surgery.
• A complete list of eligible expenses can be found at www.irs.gov.
11

DENTAL INSURANCE
CARRIER: Blue Cross Blue Shield of Texas
●
●
●
●
●
You will pay less out of pocket when you choose an in-network provider.
Locate an in-network provider at www.bcbstx.com.
Be sure to ask for a pre-treatment estimate.
Out-of-network providers can balance bill, or bill you for the difference between
the provider’s charge and the allowed amount.
Late Entrant Waiting Periods may apply if an employee did not enroll when initially
eligible.
DENTAL PREMIUM
This coverage is provided by
your employer at no cost to
you.
Deductible (per calendar year)
Annual Plan Benefit Maximum
COVERED BENEFITS
Diagnostic / Preventive Care
Routine Exams, Bitewing X-rays, Sealants
Basic Services
Basic Restorative Services, Non-Surgical Extractions, Non-Surgical Periodontal
Services, Adjunctive Services
Major Services
Endodontic Services, Oral Surgery Services, Surgical Periodontal Services, Major
Restorative Services, Prosthodontic Services
PLAN PAYS
$25 per person, $75 per family
Waived for preventive care
$2,500 per covered member
100%
80%
50%
Orthodontia Services (Dependent Children to age 19) 50%
Lifetime Orthodontia Plan Max $2,000
12

GROUP LIFE INSURANCE
CARRIER: Blue Cross Blue Shield of Texas
LIFE and ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
Basic Life and AD&D insurance is automatically provided to all benefits- eligible
employees at no cost. If you die as a result of an accident, your beneficiary
would receive both the life and the AD&D benefit.
● Life Insurance Amount: 2x employee’s annual salary, rounded to the next
higher $1,000 to a maximum of $300,000
● Minimum Benefit: $50,000
● AD&D Amount: Equal to Life Insurance amount
● Benefit Reduction Schedule: 35% at age 70 and 50% at age 75
REMINDER
Review your beneficiary designations
13

DISABILITY INSURANCE
CARRIER: Blue Cross Blue Shield of Texas
SHORT-TERM DISABILITY INSURANCE
Short-Term Disability (STD) Insurance is automatically provided to all
benefits-eligible employees at no cost. STD Insurance is designed to help you
meet your financial needs if you become unable to work due to a non-work
related illness or injury. Benefit may be offset due to other benefits such as paid
sick leave, workers’ compensation.
• Benefit: 60% of base weekly salary up to $1,500 per week
• Elimination Period: 1st day Accident / 8th day Illness
• Benefit Durations: Up to 26 weeks
LONG-TERM DISABILITY INSURANCE
Long-Term Disability (LTD) Insurance is automatically provided to all
benefits-eligible employees at no cost. LTD Insurance is designed to help you
meet your financial needs during longer disability periods. Benefit may be offset
due to other benefits such as paid sick leave, workers’ compensation.
• Benefit: 60% of base monthly salary up to $7,500 per month
• Elimination Period: 180 days Accident / Illness
• Benefit Duration: Until Social Security Normal Retirement Age
14

VISION INSURANCE
CARRIER: Blue Cross Blue Shield of Texas
●
●
●
●
You will pay less out of pocket when you choose an in-network provider.
Locate an in-network provider at www.mydearborngroup.com/contact-us
You must submit a claim form for out-of-network expenses.
LASIK surgery discounts available
VISION
ELECTION
SEMI-MONTHLY
CONTRIBUTIONS
Employee Only $3.80
EE & Spouse $7.22
EE & Child(ren) $7.60
EE & Family $11.18
COVERED BENEFITS
IN-NETWORK
Eye Exam (every 12 months)
$10 copay
Standard Plastic Lenses (every 12 months)
Single / Bifocal / Trifocal / Lenticular
$25 copay
Frames (every 24 months)
$130 allowance + 20% off balance
Contact Lenses (every 12 months)
Elective
Medically Necessary
$130 allowance
Plan Pays 100%
15

VOLUNTARY LIFE INSURANCE
CARRIER: Blue Cross Blue Shield of Texas
WHAT IS VOLUNTARY LIFE INSURANCE? Voluntary Life
Insurance is offered through your employer but is paid for by the
employee.
WHY PURCHASE VOLUNTARY LIFE INSURANCE?
● This type of life insurance has limited underwriting requirements.
This allows for people with health conditions or lifestyles that might
otherwise disqualify them to qualify for life insurance.
● The group rates are lower than what you could purchase on your own.
● You may purchase a policy for your spouse and children.
● You may purchase a policy for your spouse and children if you elect coverage for yourself.
Employee
● $20,000 to $250,000 in $10,000 increments
● Guarantee Issue Amount for New Hires: Age 15-64 is $150,000
● AD&D amount is 100% of supplemental life benefit amount
● At Open Enrollment, an employee currently enrolled can increase by one increment up to the Guarantee
Issue of $150,000. Any additions will be subject to Evidence of Insurability
Spouse
● $10,000 to $150,000 in $5,000 increments, not to exceed 100% of the employee benefit
● Guarantee Issue Amount for New Hires: Age 15-64 is $50,000
● AD&D amount is 100% of supplemental life benefit amount
● At Open Enrollment, any additions will be subject to evidence of insurability
Child(ren)
● Child age birth to 6 months old: $500
● Child more than 6 months old: $1,000 increments to a maximum of $10,000*
● Child limiting age: 26
● Guarantee Issue Amount: $10,000
● At Open Enrollment, coverage on your child(ren) can be added without Evidence of Insurability
* Effective 5/1/2022, the plan will be administered with $10,000 election for children 6 months to age 26.
Note: The online system will automatically calculate your premium based off your age.
REMINDER
Review your beneficiary designations
16

VOLUNTARY ACCIDENT INSURANCE
CARRIER: The Standard
Accident Insurance supplements your existing medical insurance in case
you are have an accident; medical insurance alone may not be enough
to cover your expenses. The plan pays a cash benefit during the term of
your coverage following a covered accident and could help cover:
●
●
Out-of-pocket expenses such as copays and deductibles
Emergency room expenses
●
●
●
●
●
●
●
●
●
●
●
●
●
Injury Emergency Surgery
Burns
● Emergency Dental
● Abdominal/Thoracic Surgery
Dislocations
● Urgent Care
● Outpatient Surgical Facility
Eye Injuries
● Ambulance
● Skin Grafts
Concussion
● Emergency Room
● Knee Cartilage/Ligament/Tendon
Loss of Hearing
● X-Ray
Repair
Lacerations
● Major Diagnostic Exam
● Ruptured Disk
Fractures
● Rotator Cuff
Coma
Paralysis
Hospitalization Follow-Up Care Value Added Benefits
Hospital Admission
Hospital Confinement
CCU Confinement
CCU Admission
● Chiropractor
● Medical Appliance
● Hearing Device
● Physical Therapy
● Physician Care
● Prosthesis
● Rehab Facility
●
●
●
Transportation
Lodging
Youth Organized Sports Benefit
ELECTION
EMPLOYEE
SEMI-MONTHLY
CONTRIBUTION
Employee Only $8.23
EE & Spouse $13.40
EE & Child(ren) $15.27
EE & Family $24.03
Please refer to the official plan document summary for additional benefits, exclusions, limitations, and
benefit waiting periods.
17

VOLUNTARY CRITICAL ILLNESS
INSURANCE
CARRIER: The Standard
Critical Illness Insurance supplements your
existing medical insurance in case you are
diagnosed with a covered condition, like a
heart attack or stroke; medical insurance alone
may not be enough to cover your expenses.
The plan pays a cash benefit during the term of
your coverage following a covered diagnosis.
Critical Illness Insurance may not cover all
types of cancer, but it does cover heart and
vascular conditions, cancer-related conditions,
and major organ failure.
Covered Conditions
Receive 100% of your coverage amount for: Receive 25% of your coverage amount for:
● Heart attack
● Stroke
● Cancer (cancer that has spread beyond initial
tissue)
● End stage renal (kidney) failure
● Major organ failure
● Coma
● Paralysis of two or more limbs
● Loss of sight
● Occupational HIV
● Occupational Hepatitis
● ALS (Lou Gehrig’s Disease)
● Advanced Alzheimer’s Disease
● Advanced Multiple sclerosis
● Advanced Parkinson’s disease
● Benign brain tumor
● Bone marrow transplant
● Loss of hearing
● Loss of speech
● Severe coronary artery disease with
recommendation for bypass
● Cancer that has not spread beyond initial tissue,
also known as Carcinoma in Situ
Payment of benefit is subject to the terms and conditions of the
policy. Diagnosis and recommendation must occur after your
coverage becomes effective.
Please refer to the official plan document summary for additional benefits, exclusions, limitations,
and benefit waiting periods.
18

VOLUNTARY CRITICAL ILLNESS
INSURANCE
CARRIER: The Standard
Employee Non-Tobacco Monthly Attained Age Premiums
Coverage Amount
Employee Age
18-29 30-39 40-49 50-59 60-69 70+
$5,000 $3.45 $4.30 $7.00 $12.30 $20.65 $35.15
$10,000 $6.90 $8.60 $14.00 $24.60 $41.30 $70.30
$15,000 $10.35 $12.90 $21.00 $36.90 $61.95 $105.45
$20,000 $13.80 $17.20 $28.00 $49.20 $82.60 $140.60
Employee Tobacco Monthly Attained Age Premiums
Coverage Amount
Employee Age
18-29 30-39 40-49 50-59 60-69 70+
$5,000 $3.55 $4.95 $9.70 $21.30 $41.80 $72.65
$10,000 $7.10 $9.90 $19.40 $42.60 $83.60 $145.30
$15,000 $10.65 $14.85 $29.10 $63.90 $125.40 $217.95
$20,000 $14.20 $19.80 $38.80 $85.20 $167.20 $290.60
Spouse Monthly Attained Age Premiums - Based on Employee’s Age and Non-Tobacco status
Coverage
Amount
Employee Age
18-29 30-39 40-49 50-59 60-69 70+
$5,000 $3.45 $4.30 $7.00 $12.30 $20.65 $35.15
$10,000 $6.90 $8.60 $14.00 $24.60 $41.30 $70.30
$15,000 $10.35 $12.90 $21.00 $36.90 $61.95 $105.45
$20,000 $13.80 $17.20 $28.00 $49.20 $82.60 $140.60
Spouse Monthly Attained Age Premiums - Based on Employee’s Age and Tobacco status
Coverage
Amount
Employee Age
18-29 30-39 40-49 50-59 60-69 70+
$5,000 $3.55 $4.95 $9.70 $21.30 $41.80 $72.65
$10,000 $7.10 $9.90 $19.40 $42.60 $83.60 $145.30
$15,000 $10.65 $14.85 $29.10 $63.90 $125.40 $217.95
$20,000 $14.20 $19.80 $38.80 $85.20 $167.20 $290.60
19

VOLUNTARY HOSPITAL INDEMNITY
INSURANCE
CARRIER: The Standard
Hospital Indemnity Insurance helps protect your
finances if an unexpected hospital stay occurs and
those expenses are not covered by your health plan.
This benefit would pay in addition to any other
coverage(s) you may already have.
Benefits Paid to You
Benefit Amount
Hospital admission 1 $1,000
Maximum 1 per calendar year
Daily Hospital Confinement 1
Daily Critical Care Unit Confinement 2
$200 per day
Maximum 15 days per stay
$200 per day
Maximum 15 days per stay
1 Defined as a stay for at least 20 consecutive hours in a hospital setting.
2 Payable in addition to the Hospital Admission and Daily Hospital Confinement benefit you may be eligible to receive.
ELECTION
EMPLOYEE
SEMI-MONTHLY
CONTRIBUTION
Employee Only $9.52
EE & Spouse $16.66
EE & Child(ren) $13.88
EE & Family $24.36
Please refer to the official plan document summary for additional benefits, exclusions, limitations,
and benefit waiting periods.
20

This benefit applies to the Accident, Critical Illness and Hospital Indemnity plans. Receive a $200 cash
benefit per covered person for each line of coverage purchased through The Standard upon filing a
claim for an approved wellness exam from the list below.
21

OPEN ENROLLMENT INSTRUCTIONS
The online enrollment will cover the extensive benefits package that Lone Star Legal Aid offers full-time eligible
employees. This system will eliminate the use of paper enrollment forms with the exception of an evidence of
insurability form, if required.
All employees will need to register to create an account. You will then view your current benefit elections as
well as make any changes you need to for the upcoming plan year. It is important that you enter your
beneficiaries into the Employee Navigator system at this open enrollment as that information did not transfer
over.
STEP 1: Please access the following link to create
an account as an employee:
https://www.employeenavigator.com/benefits/
Account/Login
STEP 2: You will be asked for personal
identifying data as well as the following company
identifier: LSLA
STEP 3: You will create a Username (company
email is recommended) and Password. Be sure to
keep this information you created for future
reference.
STEP 4: You are ready to make your benefit elections! Please select ‘Start Benefits’ button. The system will
guide you through the process when you select ‘Save & Continue’ on every screen. (Note: If you are covering a
Spouse &/or Child please have their full Name, DOB and SSN available.)
STEP 5: Once you have elected/declined each benefit, you will review your selections on the Enrollment
Summary. If everything is correct, select the ‘Click To Sign’ button. You may print a copy of your benefit
summary for your records.
Once you have created your account, use the following link anytime to finish or view your benefit elections.
https://www.employeenavigator.com/benefits/Login.aspx
Remember: New Hire enrollment must be completed immediately or you may not be able to enroll yourself
and/or your eligible dependents until our next open enrollment, or a qualifying event occurs.
Note: If you experience a Qualifying Event such as Marriage, Divorce, Birth/Adoption of a Child or Loss of
coverage and need to make changes to your coverage, you MUST contact Human Resources within 30 days of
the event.
If you have questions, please contact Human Resources via email at Benefits@lonestarlegal.org.
This summary of benefits is not intended to be a complete description of the terms of Lone Star Legal Aid’s insurance benefit plans. Please refer to
the plan document(s) for a complete description. Each plan is governed in all respects by the terms of its legal plan document, rather than by this or
any other summary of the insurance benefits provided by the plan. In the event of any conflict between a summary of the plan and the official
document, the official document will prevail. Although Lone Star Legal Aid maintains its benefit plans on an ongoing basis, Lone Star Legal Aid
reserves the right to terminate or amend each plan, in its entirety or in any part at any time.
22

IMPORTANT CONTACTS
BENEFIT CARRIER PHONE WEBSITE
Medical Insurance
Blue Cross Blue Shield of
Texas
800-521-2227 www.bcbxtx.com
Health Savings Account HSA Bank 800-357-6246 www.hsabank.com
Dental Insurance
Vision Insurance
Basic Life and AD&D
Insurance
Voluntary Life and AD&D
Insurance
Short-Term Disability
Insurance
Long-Term Disability
Insurance
Blue Cross Blue Shield of
Texas
Blue Cross Blue Shield of
Texas
Blue Cross Blue Shield of
Texas
Blue Cross Blue Shield of
Texas
Blue Cross Blue Shield of
Texas
Blue Cross Blue Shield of
Texas
800-521-2227 www.bcbstx.com
800-521-2227 www.bcbstx.com
800-521-2227 www.bcbstx.com
800-521-2227 www.bcbstx.com
800-521-2227 www.bcbstx.com
800-521-2227 www.bcbstx.com
Voluntary Accident
Insurance
Voluntary Critical Illness
Insurance
Voluntary
Hospital Indemnity
Insurance
The Standard 866-851-2429 www.standard.com
The Standard 866-851-2429 www.standard.com
The Standard 866-851-2429 www.standard.com
Benefits Lone Star Legal Aid 713-652-0777 x1026 benefits@lonestarlegal.org
YOUR BXS INSURANCE ACCOUNT REPRESENTATIVE:
Lacey Parmer
936-564-1713
lacey.parmer@bxsi.com
23

Lone Star Legal Aid
BENEFITS@LONESTARLEGAL.ORG