2027 benefits options for employees

It’s important that you choose the option that is right for you and your family. Review per-paycheck premiums information and see side-by-side comparisons of plan coverage.

You might typically consider yourself a light, mid-level or power user of our medical plans. Take a look at these examples of how each of our health care plans compares (annual premiums, out-of-pocket costs) during a typical and not-so-typical year.

To find an in-network provider, go to myuhc.com and select Find a provider.

Virtual visits
Receive 24-hour telemedicine support from the comfort of your home. There is a $0 copay for Choice and Choice Plus members, and a $54 copay for HSA plan members, for virtual primary care. Log in to your MyUHC account to learn more about specialist virtual care services including women’s health, dermatology, sleep care, speech therapy and more.

Second Medical Opinion – Covered members have access to free second medical opinions from 2nd.MD. At no cost to you, speak to top medical professionals about a current or new diagnosis, surgery as a treatment option, your current treatment plan or how to manage chronic conditions.

Pre/diabetes and hypertension support – Teladoc Health Chronic Condition Management
Free support to help members manage their pre-diabetes, diabetes and hypertension conditions using smart devices, personalized coaching and health management strategies. Available to you and your covered dependents 18 or older.

Orthopedic support – Specialist Management Solutions®
Connect with a dedicated team to help you understand treatment choices and to find a center of excellence that can improve your outcome and potentially lower your out-of-pocket costs.

Nicotine cessation – Quit for Life®
Tobacco users who complete the free Quit for Life program by Nov. 30, 2027, will be reimbursed any tobacco fees paid in the current plan year.

Mental health support
Access to in-person or virtual therapy, psychiatry, counseling or on-demand self-help support. To learn more about all mental health resources available, log in to your MyUHC account.

Wellness and weight management – Real Appeal and One Pass
Real Appeal is a weight loss management program available at no cost to you.

One Pass is a wellness subscription membership that provides access to a nationwide network of fitness locations and on-demand fitness classes. You can also get groceries and household essentials delivered to your home.

Billing support – Naviguard
Choosing in-network providers lowers your financial responsibility, but if you do receive out-of-network services, free billing support is available. An advisor can review your bill and discuss options that may be available to lower the expense.

Maternity support – Maven Maternity
Maven provides personalized and engaging maternal heath support through its digital platform, including support through 3 months postpartum; partner support; pregnancy, miscarriage and loss, postpartum and return-to-work support.

If you change medical plans or enroll yourself or a dependent in medical coverage for the first time, a new ID card will be mailed to your home address at the beginning of the plan year. If you recently moved, go to Inside LCRA and update your home address in Employee Self Service.

Log in to myuhc.com or download the UnitedHealthcare app to access your ID cards, review out-of-pocket maximums and more.

For your convenience, you can fill a 90-day supply of maintenance prescriptions at a retail pharmacy. The cost would be the equivalent of paying for three months.

Under all three medical plans, you have the option to save money by filling prescriptions via mail-order. The Choice Plus with HSA plan also includes a preventive medication drug list to members at a $0 cost.

If you have a specialty medication, a coupon may lower your monthly copay, which helps you save on your out-of-pocket costs. Contact Optum Specialty Pharmacy to see if your medication is eligible for the specialty medication copay card and coupon program.

• Employer – Active full-time and part-time employees who elect this plan will receive an annual contribution from LCRA to their health savings accounts in January 2027.
  • LCRA will contribute $500 for individuals enrolled in the plan.
  • LCRA will contribute $1,000 for those with family coverage.
  • • Note: Employer contributions will be deposited on the first available pay period and will be pro-rated on benefits effective date and/or the date the HSA account is activated. To receive the employer contribution, you must elect the HSA with a minimum annual contribution of $1.00.
• Personal – You can make personal contributions to your account within IRS limits. After LCRA’s HSA contribution, your 2027 contribution limits are:
  • Minimum annual contribution is $1.00.
  • Maximum employee only contribution is $4,000.
  • Maximum employee + family contribution is $8,000.
  • If you are age 55+, a $1,000 catch-up contribution limit is available.

• Fidelity’s HSA Tools – FAQs, a plan comparison calculator and a savings projection tool
• Making the Most of Your Health Savings Account – visual overview of how an HSA works
• Choice Plus with HSA Frequently Asked Questions – answers to common HSA questions
• Summary of Benefits and Coverage – shows you how you and the plan would share the cost for covered health care services

This account is used to cover out-of-pocket healthcare expenses for you and your dependents.

You can make personal contributions to this account within IRS limits:

• Minimum annual contribution is $250.
• Maximum annual contribution is $3,400​.
• Carry over up to $680 of remaining funds into the following plan year

Remember, if you have elected the Choice Plus with HSA medical plan, you are not eligible to participate in this plan.

This account is used to cover eligible dependent care services, such as preschool, summer day camp, before/after school programs and child or adult daycare.

You can make personal contributions to this account within IRS limits:

• Minimum annual contribution is $250.
• Maximum annual contribution is $7,500 ($3,750 if married and filing separately).

You can have a dependent care FSA even if you elect the Choice Plus with HSA medical plan.

Review per-paycheck premiums information and see side-by-side comparisons of plan coverage.

If you use an out-of-network provider, you will pay more out-of-pocket since those providers do not have negotiated rates with MetLife. Search in-network providers on the PDP Plus network.

Teledentistry – a virtual visit resource for when you or your family need urgent care and don’t have a dentist/your dentist is not available. ​​Learn more​.

Learn how to view and print your MetLife member ID. Your dentist will call MetLife to verify dental coverage.

Keep track of claims, retrieve electronic ID cards and more through the MetLife mobile app.

You won’t receive a vision insurance ID card. Your optometrist will call EyeMed to verify coverage.

EyeMed’s Member Web offers benefit breakdowns, savings snapshots, a cost estimator and a detailed eye doctor search. Visit the EyeMed perks page for more information on what’s available in your area. Find your coverage information on-the-go with the EyeMed mobile app.

These benefits help with offsetting medical expenses beyond what is covered by your primary insurance. Once a claim for a qualifying event is approved, supplemental plans provide cash payouts that go directly to you, not your doctor or health care provider. This gives you the flexibility to use the funds as you see fit – whether that means covering out-of-pocket medical costs, fuel for trips to and from appointments or ordering meals for you and your family.

Learn how to easily submit a claim.

There are no pre-existing condition limitations and there are high and low plan options for each benefit.

Most eligible legal matters are 100 percent covered when you work with a network attorney. The plans also offer access to legal databases and other online and over-the-phone legal resources.

The Ultimate Advisor Plus plan includes enhanced identity theft coverage, financial counseling, divorce representation and resources for caregiving and eldercare issues.

Learn how to get started, download the mobile app and check out DIY Tools.

You may elect additional supplemental life insurance coverage for yourself up to a maximum of 8 times your base annual salary with a maximum of $2,000,000. You will need to submit evidence of insurability (proof of good health) to the carrier before your enrollment can be finalized if you are electing coverage as a new hire above the guaranteed issue amount, or if you are already enrolled and are increasing your coverage amount.

You may also elect spouse supplemental life insurance coverage up to 2.5 times your annual base salary up to a $250,000 maximum and the coverage cannot exceed 50 percent of your own supplemental life insurance election. Evidence of insurability will be required if you are not already enrolled in a spouse supplemental life plan, or if you want to increase coverage more than one level or the new coverage amount is greater than $100,000.

You may also elect dependent child life insurance for $10,000, $15,000 or $20,000. Evidence of insurability will be required if you do not already have dependent child life insurance or you are increasing coverage more than one level.

Visit the Other Benefits page on Inside LCRA for more information.

You may elect additional supplemental AD&D insurance coverage for yourself in $100,000 increments up to $500,000. Your spouse is eligible for up to 50 percent of your own AD&D coverage, and you can elect coverage for child(ren) in increments of $10,000 up to $50,000.

Visit the Other Benefits page on Inside LCRA for more information.

Once enrolled, all you need to do is make payments toward your student debt. LCRA’s contribution will be based on your student loan payments and your 401(k) contributions. Your LCRA contribution will be applied to your account as a lump sum following the completion of the plan year.

Review these helpful resources to see if this program is right for you:

• Program overview video
• Student Loan 401(k) Contribution Program FAQ

Enrollment takes place through your Fidelity NetBenefits® site and can take place any time throughout the plan year.

The Empower wellness program helps you work toward holistic health goals. If you are on LCRA’s medical plans, you can earn $150 each quarter from participating – that’s $600 a year!

Whether you’re caring for a spouse, raising children, supporting aging parents, or learning to care for yourself, Cariloop is here to guide you through your journey at no cost to you. To activate your Cariloop benefit, enroll at www.cariloop.com/register.

LCRA’s Employee Assistance Program offers several benefits to you and eligible family members, including up to six free counseling sessions per problem, per year.