Get the most out of your benefits

Getting the most out of your benefits   Benefits options   LEARN MORE 2026 Premiums   COMPARE NOW How to enroll   LEARN MORE Unsure which benefits to choose?   Meet ALEX, a personalized benefits support tool. GET STARTED LCRA offers a wide variety of health and wellness benefits, and understanding how they align with your lifestyle and preferences is an important first step to being a savvy healthcare consumer. Picking the right plans during our annual open enrollment each fall, and then knowing how to use them, can significantly lower your health care costs. To prepare for open enrollment, register and log in to your member accounts: Medical/Rx: UnitedHealthcare Dental: Guardian Vision: EyeMed Supplemental Accident, Critical Illness, Hospital Indemnity: MetLife Legal: ARAG (access code: 18181LCR) There, you can find care and cost information, review claims, check your coverage and benefits and receive pharmacy and prescription support. If you plan to open an HSA or FSA, reviewing your previous year’s claims can help you decide how much you want to contribute to these accounts. There are also best practices that you can adopt to maximize the competitive benefits offered by LCRA and reduce your out-of-pocket costs throughout the year. 1. Ask about cost in advance and shop around. 2. Know where to go for emergency care. 3. Save money with virtual care. 4. Discuss medication options with your doctor. 5. Keep up with preventive care. 6. Get a second opinion. 7. Ramp up wellness. 8. Coverage for the unexpected. Resources Simplifying Health Plan Terms – explanations of common health care terms Just Plain Clear Glossary – look up medical and insurance jargon Fidelity HSA Video – how an HSA works and how it could benefit you long-term Making the Most of Your Health Savings Account – visual overview of an HSA Choice Plus with HSA – Frequently Asked Questions – answers to common HSA questions Questions? Need assistance? UnitedHealthcare (Medical/Rx) 844-637-7503 MetLife (Accident, Critical Illness, Hospital Indemnity) 800-942-0854 Guardian (Dental) 1-888-600-1600 Fidelity Investments (Student Loan 401(k) Contribution Program, Health Savings Account) 800-343-0860 EyeMed (Vision) 866-804-0982 P&A Group (FSA) 1-800-688-2611 ARAG (Legal) 800-247-4184 LCRA Human Resources lcra.benefits@lcra.org 512-578-4004, option 4