Employee Benefits

All information found on this page is also listed in the Employee Benefits Brochure that was released during Open Enrollment. But we've highlighted some of the most common topics below.

Medical
Employee Clinic
Prescriptions & Pharmacy
Dental
Davis Vision
American Fidelity Programs (Short Term, Flexible Spending, Accident, Cancer, Critical Illness)
Leave of Absence
Retirement & 401k Information
Employee Assistance Program

Medical Benefits

How much are copays?

Primary Care Visits: $30
Specialist Visit: $45
Urgent Care Visit: $50
Emergency Room Visit: $250
Emergency Transportation: $50
Hospital Admission: $500 (per Admission)
Outpatient Surgery: $250
Diagnostic Test (X-Ray, Blood Work): No Charge
Diagnostic Test (CT/PET Scans, MRIs): No Charge at Diagnostic Imaging location, otherwise $250 at any other facility
The following therapies: $30 per date of service (60 visits maximum)
- Cognitive
- Occupational
- Physical
- Pulmonary
- Speech
Durable Medical Equipment: $50 Copayment
Skilled Nursing Care: $500 per Admission
Mental Health Services: $30 for visits & counseling
Mental Health Outpatient: $250
Mental Health Inpatient: $500

For Maternity:

Initial Office Visit Only: $30
Childbirth/delivery/facility fee: $500 per admission
Childbirth/delivery/professional Services: No Charge

Please contact MedBen customer service at 1-800-686-8425 if you receive a bill for an amount above what your Explanation of Benefits from MedBen says you owe. For additional information, contact Stephanie Moore, ACS Employee Benefits Specialist, at 901-389-2497 ex. 2220.

Are deductibles required?

How much are premiums?

Rates for 24-25 School Year (per pay period)

Medical Rates for MedBen Copay Plan

Employee Only (EO)	$94.81
Employee + 1 (EE +1)	$279.91
Family (Fam)	$390.48

Dental Rates for Delta Dental $2,000 Plan

Employee Only (EO)	$25.41
Employee + 1 (EE +1)	$53.35
Family (Fam)	$76.22

Dental Rates for Delta Dental $1,500 Plan

Employee Only (EO)	$17.61
Employee + 1 (EE +1)	$36.96
Family (Fam)	$52.82

Vision Rates for Davis Vision

Employee Only (EO)	$4.08
Employee + 1 (EE +1)	$7.80
Family (Fam)	$12.67

The first deduction with new premiums and changes made during Open Enrollment will be reflected on the 8/31/24 paycheck.

Is there a list of in-network doctors to choose?

Which hospitals are considered in-network?

Do I need a referral to see a specialist?

I need an MRI/CT Scan/Mammogram. Where can I go, and what is the cost?

The following services are free as long as you go through the Diagnostic Imaging Center:

MRI
X-Ray
CT with and without contrast
PET
Ultrasound
Mammogram
Other radiology tests

These services have $0 copay and $0 out-of-pocket expenses through Diagnostic Imaging. The Diagnostic Imaging Center is located at 6401 Poplar Avenue Suite 100, Memphis, TN 38119 (901-387-2340).

Any radiology tests performed at other facilities will require a $250 copay for MRI/MRA/PET scans or $150 copay for CAT scans. If a physician suggests you have one of these test to complete your treatment, ask to be scheduled and have the order sent to Diagnostic Imaging.

Have you received a cancer diagnosis? View this information.

There is a $0 copay at Baptist facilities for Chemotherapy and/or Radiation services received. Preventative regular screenings are also offered and covered at 100% for members to prevent the onset of cancer or to detect it at the early stages.

Baptist offers several locations and providers throughout the city and specializes in a number of cancers, including Breast, Bone, Colon, Liver, and Pancreatic. Visit the Baptist Cancer Center website for more information.

How do I add a dependent to my medical insurance prior to open enrollment?

You may be eligible to add or change medical benefit coverage for you or a dependent prior to Open Enrollment due to an approved qualified life event circumstance. A completed Section 125 form is required requesting the coverage changes along with proof or documentation of the life-event circumstance. An example might be loss of coverage, marriage, divorce, etc.

Please contact Stephanie Moore, Employee Benefits Specialist, at 901-389-2497 ex. 2220 for more information.

Which Orthopedic providers can I see?

Employee Health Clinic

What is the Employee Health Clinic?

The Care4Us Health Clinic is operated by CareATC. The Care4Us Health Center specializes in providing near-site healthcare to ACS employees and their families enrolled in the MedBen Health Plan. Patients can be seen for acute and chronic conditions, annual physicals, health coaching, lab work and more.

Benefits of using CareATC's Care4Us Clinics:

No-cost medical care. No deductibles. No copays.
On-site dispensary with select generic medications. The Care4Us Clinic also has an in-house pharmacy at the Bartlett location that focuses on generic and preferred brand medications to keep your out-of-pocket costs low.
The national average wait time for an appointment is less than 2 minutes.
There are three ways to schedule an appointment:
- Call 901-625-5767
- Visit www.careatc.com/patients
- Via the CareATC Mobile App

All existing CareHere patients and all new patients must register for a CareATC account. By registering, you'll be able to schedule appointments, view lab results and more.

Activate and register your account today by visiting CareATC.

Click here for additional information here about your first visit with CareATC!

Please note, an account must be made for each spouse and dependents 18 years of age and older on your MedBen Health Plan.

Where is the Employee Health Clinic located? How do I contact the clinic?

Employees and their qualified dependents who receive benefits through ACS may visit either of the employee health clinics.

To schedule an appointment by phone, call 901-625-5767

To schedule an appointment online visit CareATC's website.

Bartlett Location

7665 U.S. Highway 70, Suite 101
Bartlett, TN 38133

Hours:

Monday & Wednesday - 7:00 AM - 5:00 PM

Tuesday - 8:00 AM - 5:00 PM

Thursday - 8:00 AM - 6:00 PM

Friday - 7:00 AM - 11:00 AM

Collierville Location

777 W. Poplar Avenue, Suite 104
Collierville, TN 38017

Hours:

Monday & Wednesday - 8:00 AM - 5:00 PM

Tuesday - 8:00 AM - 6:00 PM

Thursday - 7:00 AM - 5:00 PM

Every Other Friday - 8:00 AM - 1:00 PM

Need to schedule an appointment?

Prescriptions & Pharmacy

What are the pharmacy copay amounts?

Tier	Copay/Co-Insurance	Max Days Supplied
Generic (Tier 1)	$10	30
Not Covered	100%	30
Preferred Brand (Tier 2) Generic Available	20% ($200 Max)	30
Non-Preferred (Tier 3) No Generic	$50 + 20% ($200 Max)	30
Not Covered	100%	30
Discretionary	100%	30

Retail Benefit Notes: Maximum out of pocket is $7,350 for an individual and $14,700 for the family. Once you reach your maximum out of pocket, you will pay a $0 copay.

Tier	Mail Member Pay Amount	Mail Max Day Supply
Generic (Tier 1)	$30	90
Not Covered	100%	90
Preferred Brand (Tier 2) Generic Available	20% ($600 Max)	90
Non-Preferred (Tier 3) No Generic	$150 + 20% ($600 Max)	90
Not Covered	100%	90
Discretionary	100%	90

Mail Benefit Notes: Maximum out of pocket is $9,450 for an individual and $18,900 for the family. Once you reach your maximum out of pocket, you will pay a $0 copay.

Why did my prescription cost go up?

If you are told by the Pharmacy your prescription refill cost is higher this month than last month there may be a few actions you can take to avoid the higher cost.

Ask if there is a generic available
Look for coupons and savings cards available on drug manufacturers websites. Simply Google the drug name.
Has your current coupon expired? You may need to update and provide a 2021 discount card or coupon.
Check with MedBen, to access drug costs at www.medben.com or call 800-549-0097. Did the drug change to a higher Tier?
Use the GoodRX app for additional shopping tools and discounts

I've been prescribed a brand name drug that's not covered. Is there an alternative?

Certain categories of Brand Name Drugs are designated by the plan to be Discretionary Drugs and are not covered. The current list of these Discretionary Drugs was last updated 10/01/2019 and can be found on www.medben.com. Log into the portal using your personal credentials, then click on My Plan > RX Formulary.

These drugs have low cost or generic alternatives available which remain covered in the plan. Brand-name medicines listed can be purchased at a discounted rate if offered by the manufacturer, but will not count towards your out-of-pocket maximum.

If you are prescribed brand name medicines in the drug classes listed, MedBen recommends that you discuss generic/over-the-counter alternatives with your doctor. For questions regarding the drug benefit, contact MedBen Customer Service at (800) 686-8425.

Have you been prescribed an expensive specialty brand name drug?

If your doctor prescribed you an expensive Tier 2 or 3 drug or insulin, check with the Specialty Pharmacy through Baptist to see if savings are offered!

Insulins, cardiac medications and other brand drugs may qualify for significant savings.

Mail Order Drugs

Using mail order for maintenance brand drugs, if available, can fetch you savings anywhere from 20 to 60 percent on employee copayments.Maintenance drugs can be shipped directly to your home for convenience and the service provides savings on name brand drugs of Mail Orders.

For new prescriptions: Ask your doctor to send your prescription electronically, by phone or by fax to Baptist.

To transfer prescriptions from other pharmacies: Ask Baptist to get your prescription transferred by sending an email to mailorder@bmhcc.org.

To reorder existing prescriptions from Baptist: Request the refill by sending an email to mailorder@bmhcc.org.

Questions? Call Baptist at (833) 721-3900 or email mailorder@bmhcc.org.

Specialty Drugs

If you have a complex or rare condition that requires special medication, use Baptist Specialty Pharmacy. Baptist can easily coordinate with your medical team to ensure your prescriptions are filled quickly, accurately and safely. They can deliver your medications directly to you at no additional cost, or you can visit the pharmacy (located in the physician office building adjacent to Baptist Memorial Hospital-Memphis at 6027 Walnut Grove Road, Suite 110 in Memphis).

Questions? Call (844) 605-5496 from 9 a.m. to 5 p.m., Monday–Friday or email specialty@bmhcc.org.

What is the Care4Us Pharmacy?

The Care4Us Employee Healthcare Clinic now has an in-house pharmacy available to employees covered under the district's MedBen insurance plan.

Located at the Bartlett Care4Us Clinic, the pharmacy focuses on generic and preferred brand medications to keep your out-of-pocket costs low.

If you’d like to switch your existing prescriptions to the Care4Us Pharmacy, simply call the pharmacy at 901-625-DRUG (3784) or contact help@care4uspharmacy.com. Delivery options are available. Ask the Care4Us Pharmacist if you're interested in learning more.

Location & Hours of Operation:

7665 U.S. HWY 70, Bartlett, TN 38133

M-F 8:00 AM - 5:00 PM
Closed Saturday and Sunday

My current prescription is excluded from the plan. What steps should I take next?

Our plan has partnered with MedBen Rx to offer comparative effectiveness, which ensures that you use the most effective drugs at the best price. By using clinical research through TruData to match patients with the right medications, we maintain or improve your current care while reducing your costs.

If a more effective alternative(s) is available for a drug you currently use, you will receive a notification letter outlining the changes. What steps do you as a patient and covered MedBen patient need to take? Please click on the following link for a PDF document provided by MedBen, which includes step-by-step instructions and contact information. Please reach out to Stephanie Moore, ACS Benefits Specialist, with questions.

Dental Coverage

Are orthodontics and braces covered?

Delta Dental does cover orthodontic services with no age limit and can accept treatments in progress. The Plan pays 50% up to the lifetime maximum ($1500 or $2000). Delta Dental pays a percentage of the initial fee and continues to make monthly payments until the treatment ends or the lifetime orthodontic maximum is reached.

View more information about orthodontic services by clicking here.

What is covered under Delta Dental?

Will services cost more if I use an out-of-network dentist?

How do I find in-network dentists?

Davis Vision

Who is covered under Davis Vision?

How often will Davis Vision cover my eye exams, frames and contact lenses? What is the cost?

Davis Vision covers these services “in network” :

Eye Exam eligible yearly September 1st
Spectacle Lenses eligible yearly September 1st
Frames eligible every other September 1st (Davis Vision Collection- other Collections covered at additional cost)
Contact Lenses eligible yearly September 1st
(in lieu of glasses)

To find a provider in network, visit the Davis Vision website and click on "Find an Eye Care Professional."

Login and view your benefits available and/or used for the year on the Davis Vision website.

How do I access my benefits online?

Can I add a dependent prior to open enrollment?

You may be eligible to add or change vision benefit coverage for you or a dependent prior to Open Enrollment due to an approved qualified life event circumstance. A completed Section 125 form is required requesting the coverage changes along with proof or documentation of the life-event circumstance. An example might be loss of coverage, marriage, divorce, etc.

Please contact Stephanie Moore, Employee Benefits Specialist, 901-389-2497 EXT 2220.

American Fidelity

Short Term Disability

The Short-Term Disability policy with American Fidelity pays you 60% of your monthly salary if you had to be out of work for a covered accident, sickness and even maternity for the 6 or 8 weeks while under a doctor’s care.

Please refer to the brochure for a full explanation of covered benefits. Claims can be filed as a paper claim but process faster on the American Fidelity website.

For additional questions, contact Jeannine Daugherty, the ACS American Fidelity Representative:

Jeannine Daugherty
(901)496-8385

Flexible Spending Account

The Flexible Spending Account allows you to set aside pre-tax dollars from your pay check, to be used at the time of service for Doctor, Dental and Vision services. This year's maximum annual election amount is $2750. Over-The-Counter medicines without a prescription are now eligible for reimbursement.

Please refer to the brochure for a full explanation of covered benefits, eligible expenses, and how to get reimbursed.

For additional questions contact Jeannine Daugherty, the ACS American Fidelity Representative:

Jeannine Daugherty
(901)496-8385

Accident Policy

The American Fidelity Accident Policy pay benefits to you if you or a covered member have an accident. An Accident is defined as a sudden, unexpected and unintended event, which results in bodily injury, which is independent of disease or bodily infirmity or any other cause.

Please refer to the brochure for a full explanation of covered benefits, eligible expenses, and how to get reimbursed. Click here to learn how to file a claim.

For additional questions contact Jeannine Daugherty, the ACS American Fidelity Representative:

Jeannine Daugherty
(901)496-8385

Cancer Policy

American Fidelity’s Cancer Policy can help offer financial protection so you can focus your attention on fighting cancer. These plans can help assist with out-of-pocket costs often associated with a cancer diagnosis.

Also, receive a benefit for visiting your doctor annually for a cancer screening test (Mammogram, Pap, and PSA) by filing a wellness claim. Please refer to the brochure for a full explanation of covered benefits. Click here to learn how to file a claim.

For additional questions contact Jeannine Daugherty, the ACS American Fidelity Representative:

Jeannine Daugherty
(901)496-8385

Critical Illness

American Fidelity’s Critical Illness insurance can be the solution that helps you and your family focus on recovery from a critical illness such as a heart attack or stroke, and may help you with paying bills. In addition, it can assist with the expenses that may not be covered by standard medical insurance. The Critical Illness also has a wellness benefit payable once a year for an Echocardiogram, Stress Test, EKG, or Blood Glucose Testing.

Please refer to the brochure for a full explanation of covered benefits. Click here to learn how to file a claim.

For additional questions contact Jeannine Daugherty, the ACS American Fidelity Representative:

Jeannine Daugherty
(901)496-8385

Leave of Absence

Need to request a Leave of Absence?

Need to request a Leave of Absence?

Retirement

Planning for Retirement?

Are you eligible for retirement?

Full Retirement and Early Retirement eligibility are based on age and years of service.

Full Retirement - 30 years of service OR 60 years old with 5 years of vested service
Early Retirement - 55 years old with 5 years of vested service OR 25 - 29 years of service
Please refer to the current board Policy 3.600 for full eligibility details.

Are you eligible to continue benefits as a retiree?

Eligibility to continue benefits are based on the district approved board policy. Policy 3.600 Insurance Management. Please refer to the current board policy for full eligibility details.
Have you completed 15 years of service with Arlington Community Schools?
Have you been employed by ACS prior to December 31, 2017?
Have you been enrolled in the Arlington Community Schools-sponsored insurance plan for twelve (12) consecutive months immediately prior to Retirement?

Do you know what your monthly retirement benefit would be through TCRS as a Retiree?

If you are eligible to retire, contact TCRS to request an estimate of your monthly retirement benefit. This estimate will be the total contributions and investments made by both the Employer and Employee. This would be your “monthly retirement check”. TCRS can be reached at 800-922-7772 for additional questions and/or requests.

Based on eligibility and your TCRS Retirement Benefit estimate, are you ready to retire?

Employees are required to notify HR by email notice and the decision to retire.
An application to continue benefits is required provided in the ACS Retirement Packet. The completed document will be sent to Stephanie Moore, ACS Employee Benefits Specialist | 901-389-2497 Ext 2220. You then have to submit an online retirement application through TCRS. See steps below.

How do I submit my retirement application through TCRS?

An online Retirement Application is required through TCRS. The online application needs to be completed at least 3 months prior to the retirement date.
Please log on to TCRS using your personal login and password and the link provided below to complete your online TCRS retirement application. Step by step instructions are also provided for your convenience. The online application asks for your retirement date. Your Retirement Date is the day after your last working/paid day.
TCRS sends ACS an Employer certification request when the employee TCRS application is received. The certification is to verify remaining payroll information through the retirement date and remaining sick leave available. Employees receive credit for additional months of service with remaining sick leave. For every 20 days of sick leave TCRS adds 1 month of service.
Click here to view the TCRS website.

Are you retiring this year or within the next five years?

Find important information about your upcoming retirement by clicking this link. ACS recently held a retirement-ready meeting to discuss your benefits once you leave ACS.

How can I contribute to the 401k or 403(b)/457 retirement plans?

Both full-time and part-time employees are eligible to participate in the 401K and 403(b)/457 retirement plans.

The 401(k) plan is offered by Empower and the 403(b)/457 is offered by VALIC/AIG. Please contact Empower or Valic/AIG directly if you are interested in participating:

EMPOWER:

Call 1-800-922-7772 or visit www.retirereadyTN.com. To change a current contribution, create a personal login on the Retire Ready TN website and select, "Login to your 401(k) account."

VALIC/AIG (Now known as Corebridge Financial):

Email Bailey A Rihner or Lee Lakey.

Retirement contributions for legacy employees (hired before 7/1/14)?

How can I find out what I am contributing to my Retirement?

Your total retirement benefit will be based on (1) TCRS Pension Plan benefits and (2) contribution plan investments.

Legacy Employees (hired before 7/1/2014):

TCRS:

Employees contribute each pay period. Contributions to TCRS are not voluntary.

Employer (ACS) contributes to the TCRS Retirement Pension Plan each pay period.

Visit Retire Ready TN and follow the link Login to TCRS Self-Service or call 800-922-7772 to view balance and detailed information. (personal login & password required)

401K- Empower:

Employees may voluntarily contribute to The State of Tennessee 401(k) Plan that is offered and managed by Empower.

Employer (ACS) does not contribute to the 401(k) program for Legacy employees, because they contribute to the TCRS Pension plan at a higher rate.

Call 1-800-922-7772 or visit Retire Ready TN to change a current contribution, create a personal login on the Retire Ready TN website and select, "Login to your 401(k) account."

403(b)/ 457 Plans - VALIC/AIG:

Employees may voluntarily contribute to The 403(b)/457 Plans are offered and managed by VALIC/AIG. Please contact VALIC/AIG directly if you are interested in participating. Email Bailey A Rihner or Lee Lakey.

** For specific employee percentages contributed, visit the Employee Portal, click on Payroll, then click on Paycheck History to view individual paychecks by payroll dates.

Retirement contribution for hybrid employees (hired after 7/1/14)

TCRS:

Employees contribute each pay period. Contributions to TCRS are not voluntary.

Employer (ACS) contributes to the TCRS Retirement Pension Plan each pay period.

Visit Retire Ready TN and follow the link Login to TCRS Self-Service or call 800-922-7772 to view balance and detailed information. (personal login & password required)

401K- Empower:

Employees may voluntarily contribute to The State of Tennessee 401(k) Plan is offered and managed by Empower.

Employer (ACS) contributes to the 401(k) program each pay period (regardless of employee participation.)

Call 1-800-922-7772 or visit Retire Ready TN to change a current contribution, create a personal login on the Retire Ready TN website and select, "Login to your 401(k) account."

403(b)/ 457 Plans - VALIC/AIG:

Employees may voluntarily contribute to The 403(b)/457 Plans are offered and managed by VALIC/AIG. Please contact VALIC/AIG directly if you are interested in participating. Email Bailey A Rihner or Lee Lakey.

** For specific employee percentages contributed, visit the Employee Portal, click on Payroll, then click on Paycheck History to view individual paychecks by payroll dates.