2022 Benefits

This section provides you detailed information, tools and resources to assist you in understanding and accessing the wide variety of benefits offered to SAWS employees.

Information contained in this section will answer questions regarding the available health, dental, vision and flexible spending account plans.

Benefits Guide

Spousal Surcharge

If you need further information regarding your plans, please contact the Human Resources Benefits Office at 210-233-2025.

2022 Highlights

  • SAWS will continue to offer you the choice of two self-funded medical plans in 2022, PPO Economy and EPO Plus. Only the PPO Economy Plan has Out-of-Network coverage.
  • Medical premiums will not increase and there will no longer be a split in premiums for employees hired after 1/1/2011.
  • Primary Care Physician (PCP) and Specialist Visit copays will remain the same. You will continue to have a choice between Tier 1 providers to save money and Non-Tier 1 providers for both PPO Economy and EPO Plus medical plans. 
  • Urgent Care and Emergency Room visit copays will increase. Urgent Care copays will increase to $75 and Emergency Room copays will increase to $300 for both the PPO Economy and EPO Plus medical plans.
  • EPO Medical Plan deductibles will increase to $1,000 for an individual and $3,000 for a Family. The individual and family deductibles on the PPO Economy medical plan will remain the same.
  • Out of Pocket Maximums will not change for both the PPO Economy and EPO Medical plans.
  • Spouse Premium Surcharge remains at $150 per month. This surcharge only applies to the SAWS medical plan. If your spouse is no longer eligible for their employer’s medical plan, please fill out and submit a Spouse Premium Waiver Form as soon as possible to remove the surcharge.
  • Dental premiums will increase by $3-$9 and Vison premiums will increase by $0.55-$1.59, depending on your coverage tier; however, there will be no plan changes.
  • ALL unused Medical and Dependent Care FSA funds from 2021 will rollover to 2022. In response to the Global Pandemic, legislation allowed 2020 and 2021 funds to roll over to the next plan years. In 2023, the maximum roll over amount will return to 20% of the Medical FSA maximum contribution limit and no unused Dependent Care FSA amounts will roll over. You MUST actively enroll online to continue your Flexible Spending Account elections.
  • Wellness Reward hours for preventative exams will continue. You will be able to earn up to 12 hours of leave for your participation.
  • Real Appeal Weight Loss Program will continue. This program is available to eligible employees and their dependents who are 18 years and older. 

SAWS will continue to offer a choice of two medical plans, the PPO Economy and the EPO Plus, along with dental and vision coverage provided by UnitedHealthcare. Express Scripts, Inc. will continue to be our pharmacy benefit manager. There are no changes to the plan designs for medical, dental or vision, but there will be an increase in medical and dental premiums for 2021. Additionally, deductibles and out-of-pocket maximums for the EPO Plus will increase.

Spouse Premium Surcharge

If your spouse is not covered through your SAWS medical plan, this does not apply to you. However, if you choose to cover your spouse, who is working and has access to medical coverage through their own employer, there is a $150 monthly surcharge ($75.00 per pay period) added above and beyond the regular employee medical contribution (premium). If your spouse is not working or does not have access to medical coverage through his/her employer, you must request a waiver for the surcharge. Waiver forms are located on INSIDER or contact the HR Benefits Office at 210-233-2025.

Points to Remember About the Surcharge:

  • All employees who cover spouses will have a Spouse Premium Surcharge unless a waiver form is turned in for 2022 or was on file for 2021.
  • The loss of a spouse’s employment and related benefits during the year is a qualifying event that would allow an employee to enroll the spouse and any affected dependents into health care coverage through SAWS within 31 days of the qualifying event and apply for a spouse premium surcharge waiver.

Flexible Spending Accounts

You will be allowed to roll over all of your unused funds to the next calendar year from your Medical Flexible Spending Account. All Dependent Care FSA funds will also be rolled over to the next year.

The health care FSA limit for 2022 is $2,750, while the dependent care FSA limit is unchanged at $5,000.


Visit the UHC Pre-Member website, it's a simple way to learn about the benefits and services offered by SAWS and UnitedHealthcare. We hope the information will help you as you think about your health care needs and make your benefit decisions during open enrollment.

Transparency in Coverage

UnitedHealthcare creates and publishes the machine-readable files on behalf of the San Antonio Water System. Machine-readable files available at transparency-in-coverage.uhc.com