LCRA Benefits - LCRA - Energy, Water, Community

LCRA Benefits - LCRA - Energy, Water, Community
2026 benefits options for employees
2026 premiums
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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
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.
UHC participants also have access to additional benefits
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
about specialist virtual care services including women’s health, dermatology, sleep care, speech therapy and more.
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, 2026, will be reimbursed the $75-per-month tobacco fee.
Mental health support –
Virtual Therapy
Self Care from AbleTo
and
Talkspace
Connect with a licensed therapist from your home or access on-demand self-help support for stress, anxiety and depression.
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.
When do I get my new ID card? How do I access my UHC information?
A new health 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.
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
Prescription drugs are categorized into three pricing tiers, with additional tiers for specialty drugs.
Compare the coverage per tier
. To search for a prescription drug or view the cost, log in to your
MyUHC member portal
, click on Pharmacies & Prescriptions, then Drug Look Up.
How to save time and money
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
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
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 2026.
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 – In addition to LCRA’s contributions, you can make personal contributions to your account within
limits set by the IRS
Minimum annual contribution is $1.00.
Maximum employee only contribution is $3,900.
Maximum employee + family contribution is $7,750.
If you are age 55+, a $1,000 catch-up contribution limit is available.
Helpful HSA resources
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
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
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 $3,300​.
Carry over up to $660 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.
Dependent Care FSA
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.
Dental insurance
Dental insurance through
Guardian
provides you and your dependent(s) coverage for routine cleanings and other dental services.
Review plan coverage
View a summary of the plan benefits
and the
per-paycheck premiums
. The calendar year maximum benefit per person is $2,000.
If you use an out-of-network provider, you will pay more out-of-pocket since those providers do not have negotiated rates with Guardian.
Search in-network providers
on the DentalGuard Preferred network
Guardian participants also have access to additional benefits
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. ​​
​.
Byte Orthodontia & Teeth Whitening Kits​​
– receive exclusive discounts on Byte doctor-directed custom clear orthodontic aligners and BrightByte Pro teeth whitening kits.
How to access your Guardian information
Learn how to view and print
your Guardian member ID. Your dentist will call Guardian to verify dental coverage.
Keep track of claims, retrieve electronic ID cards and more through the
Guardian mobile app
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
The
standard plan
offers a maximum frames allowance of $125 every other calendar year and eye glass lenses once every calendar year. If you choose contact lenses in lieu of eye glass lenses and frames, the maximum benefit is $120 per calendar year. Participants pay a $10 copay for an eye exam once each calendar year.
Enhanced plan
The
enhanced plan
offers a maximum allowance of $150 each calendar year for either eye glass lenses and frames or contact lenses. Participants pay a $0 copay for an eye exam once each calendar year.
How to access your EyeMed information
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. You can also review information on
Lasik
and hearing benefits. Find your coverage information on-the-go with the EyeMed
mobile app
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
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.
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
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.
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
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. If you would like coverage over $500,000, you will need to submit evidence of insurability (proof of good health) to the carrier before your enrollment can be finalized.
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.
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
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.
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
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
How to enroll
Enrollment takes place through your
Fidelity NetBenefits® site
and can take place any time throughout the plan year.
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
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!
You and your immediate family 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.
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.
about how to get the most out of these 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
[email protected]
512-578-4004, option 4
Read about health plan privacy practices and other
required notices
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