2021 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.

Highlights for 2021

  • Medical and vision premiums remain the same in both the PPO Economy and EPO Plus plans.
  • Co-pays, deductible and out-of-pocket maximums remain the same.
  • Dental premiums will increase.

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.

2021 Spouse Premium Surcharge

Employees who currently have their spouse covered under one of the SAWS medical plans and have a spouse premium surcharge waiver form on file for 2020 do NOT need to submit a new waiver form for 2021 Open Enrollment. The 2021 spouse premium surcharge, which applies only to medical plans, is $150 per month ($75/paycheck). This is in addition to your medical premium. If your spouse is not working or does not have access to medical coverage through his/her employer, you have until Nov. 1 to submit a waiver form for 2021.

2021 Flexible Spending Accounts

If you want a health or dependent care Flexible Spending Account (FSA) next year, you MUST enroll for 2021 via Infor Lawson Employee Self-Service during Open Enrollment, even if you already have an account this year. If you'll have an unused health care FSA balance this year, you must enroll in an account for next year in order for the balance to roll over to 2021.

The health care FSA limit for 2021 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.