Office of Human Resources
New Benefits for 2006
Effective January 1, 2006, two new benefit offerings will be available to all benefit eligible employees. The dental and vision plans are supplemental, with all premiums paid by the employee. Premiums may be tax-sheltered through our Flex/ Section125 plan.
Dental: Assurant Employee Benefits
Two options - Freedom Basic and Freedom Advance
Freedom Basic: $50 annual deductible; $1,000 annual maximum benefit; preventative covered at 100%; basic services covered at 80%; major services, endodontics, periodontics and orthodontics not covered; no waiting period for exams, cleanings and fillings; Monthly Rates: Employee Only - $17.53; Employee/Spouse - $34.10; Employee/Child(ren) - $47.75; Employee/Family - $64.33.
Freedom Advance: $50 annual deductible; $1000 annual maximum benefit; preventative covered at 100%; basic services covered at 80%; major services including endodontics and periodontics covered at 25% during year one and 50% thereafter; orthodontics for child only and paid at 50% with a lifetime max of $1000; no waiting period for exams, cleanings and fillings. Monthly Rates: Employee Only - $28.87; Employee/Spouse - $56.61; Employee/Child(ren) - $70.28; Employee/Family - $98.02.
These rates are guaranteed not to increase for two years. Plans are available to employees who work in regular, 1000+ hour per year positions.
Preventative services include oral evaluations, bitewing x-rays, routine cleanings, fluoride treatments, sealants, and space maintainers.
Basic services include amalgam and composite restorations, pin retention restorations, interoral, periapical or occlusive x-rays, simple extractions, accession and examination of tissue, and incision and drainage.
Major services include crowns, inlays, and onlays, recrementing inlays, crowns and bridges, full and partial dentures, fixed bridges, tissue conditioning, denture adjustments, endodontics including root canal therapy, complex oral surgery, biopsy, general anesthesia and intravenous sedation, and periodontics (gums and supporting tissue).
Vision: Superior Vision
Rates: Employee Only / $8.20; Employee + 1 / $15.92; and Employee + Family / $23.40.
Frequency of Benefits: Exam-12 months; Lenses-12 months; Frames - 24 months.
Major Providers / Retailers (In-network): Doctor's Vision Center, Eye Care Associates, LensCrafters, Sears Optical, Visionworks, and Wal-Mart Vision Center.
In-network Benefits: Exams - $20 copay; Lenses - $20 copay; Frames - $100 allowance (20% of balance over $100); Contact lenses (conventional and disposabe) - reimbursed up to $120 (20% off balance over $120); Medially-Necessary Contacts - $20 copay; Lasik Surgery - 20% discount; Other - 30% off retail price for additional pairs of eyeglasses and 20% off retail price for additional contact lenses.
Out-of-network Benefits: Exams, lenses, frames, and contacts all reimbursed up to a dollar amount minus copay amount. For example, eye exam with ophthalmologist is reimbursed at $24.00. Lasik surgery is not covered.
All premiums for both plans may be tax sheltered.