{"id":69285,"date":"2020-10-22T00:00:00","date_gmt":"2020-10-22T05:00:00","guid":{"rendered":"https:\/\/www.unmc.edu\/newsroom\/2020\/10\/22\/nuflex-dental-vision-coverages-faqs\/"},"modified":"2020-10-22T00:00:00","modified_gmt":"2020-10-22T05:00:00","slug":"nuflex-dental-vision-coverages-faqs","status":"publish","type":"post","link":"https:\/\/www.unmc.edu\/newsroom\/2020\/10\/22\/nuflex-dental-vision-coverages-faqs\/","title":{"rendered":"NUFlex: Dental, vision coverages FAQs"},"content":{"rendered":"

The UNMC\/UNO Benefits Office recently sent out a brief survey asking for feedback concerning what questions employees have on health and insurance benefits. (Annual NUFlex enrollment begins Oct. 26.<\/a>)<\/p>\n

To address these questions, the UNMC\/UNO Benefits Office will be providing a series of articles this week to go over the most commonly asked questions. If you submitted a question that you do not see an answer for in this series, we encourage you to reach out to the benefits office directly via email<\/a>.

Today’s question and answers will go over dental and vision coverage offered by the university.<\/p>\n

Dental
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Q: How do the deductible, co-insurance, and stop-loss apply to the Ameritas dental coverage?<\/b>
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A: Please see the dental plan summary below. Preventative and diagnostic services, such as teeth cleanings, do not have a deductible. However, there is a co-insurance. If the services were provided at a preferred provider, the co-insurance will be 85%\/15%, meaning you will be responsible for 15% of the bill. Under restorative and major services, there is a $35 deductible, meaning that the first $35 of the bill will be your responsibility. The remainder is then applied to the co-insurance.
\n

This plan has a $1,500\/person annual maximum benefit. This means that the maximum amount the insurance will pay on a covered person each calendar year, which includes preventative, restorative and major services, is $1,500. This benefit maximum restarts every year on Jan. 1.
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Q: Where can I find more information on my dental benefits, such as finding a preferred provider or getting a cost estimate on a procedure?<\/b>
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A: Please visit the Ameritas Dental website<\/a> and create an account. Once you log in and click on the dental, you are able to review claims, request ID cards, find a preferred dental provider and get a cost estimate for various procedures.
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Q: Who can utilize the orthodontia benefit under the dental coverage?<\/b>
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A: The orthodontia benefit can be utilized by anyone on this coverage. This does include adult orthodontia.
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Q: What is the coverage for orthodontia?<\/b>
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A: The covered individual who utilizes this service will have a $40 deductible. Once this is paid, there is a 50%\/50% co-insurance. At that 50% rate, the insurance will pay a life-time maximum amount of $2,000.
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Q: Can I continue this coverage as a retiree?<\/b>
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A: Yes. Please contact the Benefits Office to request additional information concerning retiree benefits.
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Vision
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Q: What are co-pays and how do they work?<\/b>
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A: Co-pays are fixed amounts you pay for services. Below is a list of all the services provided by our vision coverage, as well as the co-pays for each.
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Q: How does the frame\/contact allowance work?<\/b><\/p>\n

A: Each year covered individuals are given a $150 allowance for frames and $130 for contact lenses. An example of how this works would be purchasing a $200 pair of frames. Insurance covers the first $150. The remaining balance is $50. The covered individual will then be responsible for 80% of the remaining cost of the frames, in this example that would be $40 and insurance would pay an additional $10. In addition to the remaining balance on the frames, the employee will also be responsible for the co-pays on the lenses and any coatings added.
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Q: Do we have a Lasik benefit?<\/b>
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A: Our plan provides covered dependents a 15% discount on Lasik or a 5% discount on promotional pricing.<\/p>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"

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