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

Delta Dental 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) 3

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. 4

Take the Risk Assessment Answer the questions • Print your report • Take to your next visit • 5

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. • 6

Delta Dental 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. 7

DELTA VISION

The vision product is so simple $130 Contact lens $130 frame $25 lens copay allowance every 12 allowance every every 12 months months 24 months in lieu of spectacle lenses 9

DeltaVision Brief Overview Benefit Frequency Network Benefit Frames Every 24 $130 Allowance months then 20% off balance Standard Plastic Every 12 Member pays $25 Lenses months Lens Options Average a 30% discount Contact Lenses in lieu of Every 12 spectacle lenses months • Conventional $130 Allowance then 15% off balance Disposable $130 Allowance, • member pays balance • Medically Paid in full Necessary 10

Member savings … for example Sample transaction for a pair of glasses vs. what you’d pay without vision coverage: With Benefit Without Insurance Frame $200 $200 -$130 allowance 50% $70 -$14 (20% off balance) savings $56 Lens $25 Copay $78 Copay $15 UV Treatment $23 UV Treatment $15 Scratch Coating $25 Scratch Coating $55 $126 Annual $51.60 (single DeltaVision coverage) Premium Total $162.60 $326 11

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 12

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 • or a dependent for the first time. 14

Vision Rates Monthly Rates Employee $ 4.30 Employee + One $ 7.37 Family $13.19 15

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. 17

Voluntary Life and AD&D Insurance 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). 18

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. 19

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% of the employee’s benefit. Spouses of existing employees can purchase this same amount subject • to Evidence of Insurability. 20

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 21

Voluntary Life and AD&D Insurance Evidence of Insurability is required for:  Employees electing more than the $200,000 Guaranteed Issue amount of 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. 22

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. 23

THANK YOU !  Please email Melissa Witherspoon in HR with completed forms by May 29 st mwitherspoon@sau8.org.  Questions Welcome! Please send questions to: mwitherspoon@sau8.org.