Open Enrollment for July 1, 2020 benefits Delta Dental Delta - - PowerPoint PPT Presentation

Open Enrollment

for July 1, 2020 benefits

Delta Dental Delta Vision Mutual of Omaha Voluntary Life Insurance

DELTA DENTAL

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Concord School District Dental Plan Design:

 100% (Diagnostic & Preventive)  100% (Basic Restorative)  50% (Major Restorative)  Max $1000 (resets July 1)

White composite fillings on all teeth (anterior front teeth and posterior back teeth)

Delta Dental

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What is ?

Patient-Centered Oral Health

HOW allows you to qualify for additional dental preventive services.* Qualification for the additional services is determined by the results of a clinical survey performed by your dental provider. *Any additional services are subject to your annual maximum.

Take the Risk Assessment

• Answer the questions
• Print your report
• Take to your next visit

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Share with your Dentist

• Your dentist can do a clinical version of the risk assessment.
• Based on your risk, you may be eligible for additional

preventive benefits.

• Your dentist will tell you if you qualify and what the additional

services are.

• You can call NEDD or check Benefit Look Up to see if you qualify.

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• Enrollment forms can be accessed on the CSD website.
• Please email completed forms to Melissa Witherspoon at central office.

mwitherspoon@sau8.org.

• All applications must be submitted to HR by May 29, 2020.
• Forms only needed if you are electing coverage for the first time or

making changes to coverage for yourself or your dependents.

Delta Dental

DELTA VISION

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The vision product is so simple

$130 frame allowance every 24 months $130 Contact lens allowance every 12 months in lieu of spectacle lenses $25 lens copay every 12 months

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DeltaVision Brief Overview

Benefit Frequency Network Benefit Frames Every 24 months $130 Allowance then 20% off balance Standard Plastic Lenses Every 12 months Member pays $25 Lens Options Average a 30% discount Contact Lenses in lieu of

spectacle lenses

Every 12 months

• Conventional

$130 Allowance then 15% off balance

• Disposable

$130 Allowance, member pays balance

• Medically

Necessary Paid in full

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Member savings … for example

With Benefit Without Insurance Frame $200

• $130 allowance

$70

• $14 (20% off balance)

$56 $200 Lens $25 Copay $15 UV Treatment $15 Scratch Coating $55 $78 Copay $23 UV Treatment $25 Scratch Coating $126 Annual DeltaVision Premium $51.60 (single coverage) Total $162.60 $326

Sample transaction for a pair of glasses vs. what you’d pay without vision coverage:

50% savings

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DeltaVision Customer Service

Access 7 days a week, 102 Hours per week 7:30 AM to 11:00 PM EST Monday - Saturday

11:00 AM to 8:00 PM EST - Sunday

1-866-723-0513

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Voluntary Vision Benefit

• Enrollment forms can be accessed on the CSD website.
• Please email completed forms to Melissa Witherspoon at

central office. mwitherspoon@sau8.org.

• Rates will remain the same as last year.
• All applications must be submitted to HR by May 29, 2020.
• Forms only needed if you are electing coverage for yourself
• r a dependent for the first time.

Vision Rates

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Monthly Rates Employee $ 4.30 Employee + One $ 7.37 Family $13.19

Mutual of Omaha

Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance

• Concord School District will continue to offer Voluntary Life

Insurance through Mutual of Omaha.

• You will be able to take this Voluntary Life Insurance with

you even after you leave CSD’s employment.

• Available to employees who currently have District paid

Life.

Open Enrollment

• Open enrollment runs through May 29, 2019.
• If you are interested Voluntary Life Insurance, please

download the forms from the CSD website.

• You can email Melissa Witherspoon in HR with completed

forms or questions: mwitherspoon@sau8.org.

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Enrolled Employees & Spouses

 Current Employees who have elected voluntary life

coverage when first eligible can buy 2 increments of $10,000 each with guarantee issue at open enrollment.

 Current Spouses who have elected voluntary life

coverage when first eligible can buy 2 increments of $5,000 each with guarantee issue at open enrollment (not to exceed 50% of the employee election).

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Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance New Hires

• Coverage for new hires is available in $10,000 increments up

to 5 x annual salary (rounded to the next higher $10,000).

• Minimum coverage is $10,000.
• Maximum coverage is $300,000. (For new hires, guarantee

issue is $200,000).

• Coverage reduces 35% upon the Person's attainment of age 65,

an additional 25% of the original amount at age 70, an additional 15% of the original amount at age 75, an additional 15% of the original amount at age 80, and will terminate upon retirement.

• Existing employees can purchase this same amount subject to

Evidence of Insurability.

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Voluntary Life and AD&D Insurance

Spouses of New Hires

• Coverage is available in $5,000 increments up to 100% of the

employee’s benefit up to $150,000.

• Minimum coverage is $5,000.
• Maximum coverage is $150,000.
• Coverage reduces 35% upon the employee's attainment of age 65, and

will terminate upon the employee's attainment of age 70 or retirement, whichever occurs first.

• Spouse coverage is only available if the employee is insured for

voluntary coverage.

• Spouses of newly hired employees will be able to purchase up to

$30,000 guaranteed issue with no medical questions asked, up to 100%

• f the employee’s benefit.
• Spouses of existing employees can purchase this same amount subject

to Evidence of Insurability.

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Voluntary Life and AD&D Insurance Details of Coverage

DEPENDENT CHILDREN

 Dependent Coverage is only available if the employee is insured for

voluntary coverage.

 This benefit provides coverage for all dependent children in the

following amounts:

 $10,000 Child: 14 days to age 19

(to age 26 if full-time student)

 Newborn children to age 14 days are not eligible for a benefit

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Voluntary Life and AD&D Insurance

Evidence of Insurability is required for:

 Employees electing more than the $200,000 Guaranteed Issue amount

• f Voluntary Life Insurance when newly hired.

 Spouses of Newly Hired Employees electing more than the $30,000

Guaranteed Issue amount of Voluntary Life Insurance.

 Employee and/or spouse, currently enrolled, is purchasing more than 2

additional increments at open enrollment.

 Employee and/or spouse, not currently enrolled, is newly electing any

amount of Voluntary Life Insurance at open enrollment.

 The E of I form can be downloaded from the CSD website.

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Voluntary Life and AD&D Insurance Update Your Beneficiary Information

 This is particularly important if you have had a major

change of life such as a marriage, separation or divorce.

 This form is available on the CSD website.

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THANK YOU !

 Please email Melissa Witherspoon in HR with completed forms by

May 29st mwitherspoon@sau8.org.

 Questions Welcome! Please send questions to:

mwitherspoon@sau8.org.