Optional Benefits
Dental Plan
We offer two dental insurance plans: the State of Texas Dental Choice Plan PPO and a dental HMO (DHMO). Employees can enroll in only one plan. Covered dependents must enroll in the same plan as the member.
State of Texas Dental Choice
- Is a preferred provider organization (PPO) dental insurance plan. You can see any dentist you want, but you will pay less if you go to a dentist in one of the two Delta Dental Networks:
- Delta Dental PPO
- Delta Premier
- See plan booklets at www.ERSdentalplans.com for actual coverage and limitations.
DeltaCare USA HMO
- Is a dental health maintenance organization (DHMO) dental insurance plan.
- Coverage applies only to dentists in the Texas service area.
- You must choose a primary care dentist (PCD) from a list of approved providers. For a list of providers, visit https://www1.deltadentalins.com/group-sites/ers/dhmo.html.
- Services from participating specialty dentists cost 25% less than the dentists’ usual charge, if your PCD coordinated your specialty care.
- See plan booklets at https://www1.deltadentalins.com/group-sites/ers/dhmo.html for actual coverage and limitations.
Go Online
Find a list of providers for the State of Texas Dental Choice Plan or DeltaCare USA DHMO at https://www1.deltadentalins.com/group-sites/ers/find-a-dentist.html.
Discount Purchase Program for Dental Discounts
The Discount Purchase Program, administered by Beneplace, offers dental discount programs and discounted dental services. You can view them at beneplace.com/discountprogramers/. (To access discounts, you will need to register using your email address.)
Life Insurance
Life Insurance is a great way to protect you and your family. South Texas College offers its full time benefits eligible employees with the options of electing 3 types of coverages with affordable premiums.
Securian Financial Group Life Insurance
Optional Life Insurance
This insurance coverage provides an additional protection to secure the family members who depend on you. A Life Evidence of Insurability is required when electing this coverage during open enrollment.
You can elect the cost of your coverage by purchasing one of the following elections:
- Election I – 1 X your salary
- Election II – 2 X your salary
- Election III – 3 X your salary
- Election IV – 4 x your salary
Calculate Your Monthly Premium
- Scroll down to Use the rate tool to estimate you monthly premium:
- Select “Full Time employee”.
- Select “Optional Life & Deponent Life” click next.
- Enter your gross monthly salary.
- Month and Year of birth click next.
Dependent Term Life Insurance
This coverage will provide a $5,000 life insurance for eligible spouse and eligible dependent children. Eligible children are from birth to age 26 and unmarried. No Life Evidence of Insurability is required when choosing this coverage. Your premium for this coverage is $1.45 per month.
Click here for more information
Voluntary Accidental Death & Dismemberment (Voluntary AD&D)
Voluntary AD&D can provide additional financial support during an accidental death or dismemberment. You may elect coverage starting at $10,000 to $200,00 in increments of $5,000. This coverage does not require a Life Evidence of Insurability.
If the employee’s death is a direct result of an accidental bodily injury the beneficiary will receive 100% of the amount covered.
Coverage premium example:
- $200,000 (enter the amount you choose) X .02 = $4.00 per month (member only rate)
- $200,000 (enter the amount you choose) X .04 = $8.00 per month (member & family rate)
If you enroll your family the coverage is as follows:
- 50% for Eligible Spouse
- 10% for Eligible Child(ren) with no eligible spouse
- 5% for Eligible Child(ren) with an eligible spouse
TexFlex
Participating in one or more of the TexFlex flexible spending accounts (FSAs) allows you to set aside pre- tax dollars from your paycheck to cover eligible out-of-pocket health care and dependent care expenses. Your TexFlex contribution is automatically withdrawn from your paycheck and deposited in your account each month.
Health Care FSA
(This FSA is not available to Consumer Directed HealthSelect participants.)
- The annual minimum election for PY24 is $180 ($15 per month), and the maximum is 3,050 ($254 per month).
- Employees enrolled in Consumer Directed HealthSelect cannot participate in health care FSAs, because of their ability to contribute to HSAs.
- Participants can carry over up to $570 in unused funds from Plan Year 2023. Any unused Plan Year 2023 funds over $570 will be forfeited.
- Visit https://texflex.payflex.com for more information.
Limited-purpose FSA
(Available only to Consumer Directed HealthSelect participants)
- Only employees enrolled in Consumer Directed HealthSelect can enroll in a limited-purpose FSA.
- Limited-purpose FSA funds can be used only for eligible dental and vision expenses.
- The annual minimum election for PY24 is $180 ($15 per month), and the maximum is $3,050 ($254 per month).
- Visit https://texflex.payflex.com for more information.
Dependent Care Account
- The maximum annual election remains at $5,000 in PY24.
- You cannot carry over any funds in a dependent care FSA, but you have extra time to spend unused funds, called grace period. The grace period allows you 2 ½ more months after the plan year ends to use any leftover money in that account.
- Visit https://texflex.payflex.com for more information.
Vision Plan
State of Texas Vision
- Administered by EyeMed Vision Care, LLC.
- Annual eye exam for $15 copay at in-network providers.
- In-network allowance of $200 for frames or contacts.
- Find a clear view of your vision benefits at https://eyesiteonwellness.com/eyemed/en.
