LCRA Benefits

2026 benefits options for employees   2026 premiums   COMPARE NOW Maximize your benefits   REVIEW TIPS How to enroll LEARN MORE Unsure which benefits to choose?   Meet ALEX, a personalized benefits support tool. GET STARTED LCRA provides you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family. Medical insurance We offer three medical plans through UnitedHealthcare – Choice, Choice Plus, and Choice Plus with Health Savings Account (HSA). LCRA pays the majority of your total monthly medical premiums. Compare coverage options and premiums UHC participants also have access to additional benefits When do I get my new ID card? How do I access my UHC information? Prescription drug insurance Employees who enroll in an LCRA medical plan automatically receive prescription coverage through a UHC company called OptumRx. Prescription drug pricing tiers How to save time and money Health Savings Account (HSA) If you elect the Choice Plus with Health Savings Account plan, you are eligible to participate in an HSA administered by Fidelity Investments. If electing this benefit for the first time, you will need to activate your Health Savings Account through Fidelity. You can get started by going to Fidelity NetBenefits® and clicking on the Open an HSA tile or follow the prompts from the email you will receive from Fidelity following Open Enrollment. An HSA allows you to carry over funds from year-to-year and can be invested like a 401(k), allowing you to build your savings over time. With this plan, you are unable to have a health care Flexible Spending Account (FSA). As an HSA account holder, you are responsible for all transactions, claims and purchase eligibility. Review the HSA customer agreement, electronic delivery agreement and terms and conditions document. There are two types of HSA contributions Helpful HSA resources Flexible Spending Accounts (FSA) A Flexible Spending Account is a pre-tax benefit account used to pay for eligible healthcare or dependent care (day care) expenses. You can pay for eligible expenses, including dependent care, with the P&A Group debit card or submit for reimbursement online. Download the P&A Group mobile app to easily check your balances, submit your reimbursements and more. Health Care FSA Dependent Care FSA Dental insurance Dental insurance through Guardian provides you and your dependent(s) coverage for routine cleanings and other dental services. Review plan coverage Guardian participants also have access to additional benefits How to access your Guardian information Vision insurance Vision insurance through EyeMed includes coverage for eye exams, frames, lenses and contacts. Two plans are available, and you will cover 100 percent of the premium cost for these plans. Standard plan Enhanced plan How to access your EyeMed information Supplemental accident, critical illness and hospital indemnity insurance Our supplemental benefit plans through MetLife provide a safety net for the unexpected. Accident insurance, critical illness insurance and hospital indemnity insurance are available. You will cover 100 percent of the premium cost for these plans. How these plans work Prepaid Legal Plan ARAG (online access code: 18181LCR) offers two prepaid legal plans, Ultimate Advisor and Ultimate Advisor Plus. Both give you access to a national network of credentialed lawyers. You will cover 100 percent of the premium cost for these plans. How these plans work Pet Insurance New in 2026! MetLife pet insurance offers comprehensive plans that you can customize to your pet’s needs. Employees receive a discounted rate, and premiums are paid directly to MetLife. Starting Oct. 6, you can get a quote for coverage beginning Jan. 1, 2026. Supplemental employee and dependent life insurance LCRA provides you basic life insurance equal to two times your annual base pay at no cost to you. You can elect to pay additional premiums to increase your coverage. How supplemental coverage works Supplemental accidental death and dismemberment (AD&D) insurance LCRA provides you basic AD&D insurance of $250,000 for full-time employees and $125,000 for part-time employees at no cost to you. You can elect to pay additional premiums to increase your coverage. How supplemental coverage works Student Loan 401(k) Contribution Program LCRA helps qualified employees grow their 401(k) while they focus on paying off student loans. Eligible loans can include those taken out in your name for your own education or to support the education of a family member, such as a child. How this program works How to enroll Additional well-being initiatives Even if you don’t enroll in an LCRA medical plan, you and your family have access to many helpful support programs free of charge. Take advantage of these free programs   Visit the Benefits & Perks page on Inside LCRA to learn about additional benefits and perks available to you. 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 Read about health plan privacy practices and other required notices.