Comprehensive Health and Supplemental Dental and Vision Benefits

Health Insurance

Residents may choose from a variety of comprehensive health plans, including fee-for-service plans and HMOs.

• Health Insurance Application (pdf)

 For more information please see:

• It's Your Choice - Decision Guide (pdf)
• It's Your Choice - Reference Guide (pdf)

The It's Your Choice - Decision Guide provides key information to assist in choosing a health plan.  The It's Your Choice - Reference Guide contains technical information such as the full certificate of coverage and federal notifications.

All HMO plans include:

• No office visit co-pays, deductibles or out of pocket expenses
• Choice of single or family coverage
• Coverage for Domestic Partner and Adult Children available.  Tax Implications may apply.
• Three level prescription drug co-pays to a maximum out of pocket expense of $410 per individual or $820 per family.
  • $5 generic
  • $15 brand name brand
  • $35 non-formulary 
• Includes dental coverage
  • 100% Basic coverage for teeth cleanings and X-rays
  • Deductibles may apply for Basic services such as fillings
  • Must use Dental Provider associated with the HMO of choice
• HMO premiums
  • Single - $17.00 per month
  • Family - $42.50 per month

Supplemental Delta Dental Insurance

Delta Dental provides supplemental dental coverage up to the benefit maximum of $1,000 per year. An annual network deductible may apply for all services.

• Delta Dental Application (pdf)

Coverage includes:

• 100% coverage for diagnostic and preventive services.
• 80% coverage for of basic services, including fillings, emergency treatment, or sealants. 
• 50% coverage for major services, including crowns, bridges or dentures.
• 50% coverage for orthodontics to age 19 (Lifetime Maximum of $1,250 per dependent).

Additional benefit information can be found in the 2010 Supplemental Delta Dental Summary (pdf).

VSP Vision Insurance

The VSP Vision Insurance plan provides supplemental vision coverage for eye exams, lenses, frames and contact lenses.

• VSP Summary of Benefits (pdf)
• VSP Vision Application (pdf)

Coverage includes:

• 100% coverage on a comprehensive vision examination by a network optometrist or ophthalmologist every calendar year after $10 co-pay
• 100% coverage on single vision, lined bifocal, and lined trifocal lenses and scratch resistant coating every calendar year after $25 co-pay
• Coverage on frames (up to $130 allowance) every 24 months after $25 co-pay. If frames and lenses are purchased in the same year, only one $25 co-pay applies.
• Coverage on contact lenses (up to $105 allowance for contact and the contact lens exam) every calendar year ONLY if electing contact lenses instead of lenses or frames
• Out-of-network reimbursement is available in the below amounts (contact VSP at 1-800-400-4569 before seeing a non-VSP provider):
  • Contact lenses up to $105
  • Eye exam up to $40
  • Single vision lenses up to $33
  • Lined bifocal lenses up to $50
  • Lined trifocal lenses up to $66
  • Frames up to $45
• Discounted rates on laser vision correction available from contracted facilities
• Additional discounts for prescription glasses, sunglasses and contacts at VSP participating providers

Epic Major Medical and Dental - Supplemental

EPIC Insurance provides excess health, supplemental dental and Accidental Death and Dismemberment (AD&D) benefits. EPIC Insurance is intended to supplement, not replace, the primary health coverage.

• EPIC Brochure (pdf)
• Epic Enrollment Form (pdf)

Includes:

• Excess Medical Coverage includes for services not covered or partially covered by the primary health insurance.
• Dental services not covered or partially covered by the primary health insurance.  
• Accidental Death & Dismemberment that  provides a lump sum benefit for accidental death or specific life-altering injuries of the employee, employee's spouse or children.

Employee Reimbursement Account (ERA)

The employee reimbursement account allows employees to pay for medical and child care expenses with pre-tax income. 

• 2010 ERA Enrollment Booklet (pdf)
• ERA Enrollment Form (pdf)

Medical Reimbursement includes medically necessary expenses not covered by health, dental, or vision insurance such as:

• Prescription co-pays
• Major dental expenses
• Glasses or contacts
• Refractive surgery
• And many over-the-counter products

The Dependent Reimbursement account is for child or dependent care up to $5,000 per year.  The minimum annual contribution is $100. Expenses for daycare as well as before and after school care of children may be reimbursed.

For more information please see the 2010 ERA Enrollment Booklet (pdf).