{"id":92666,"date":"2022-10-24T15:03:00","date_gmt":"2022-10-24T20:03:00","guid":{"rendered":"https:\/\/www.unmc.edu\/newsroom\/?p=92666"},"modified":"2022-10-24T15:38:16","modified_gmt":"2022-10-24T20:38:16","slug":"benefits-briefing-dental-and-vision-qa","status":"publish","type":"post","link":"https:\/\/www.unmc.edu\/newsroom\/2022\/10\/24\/benefits-briefing-dental-and-vision-qa\/","title":{"rendered":"Benefits briefing: Dental and vision Q&A"},"content":{"rendered":"
\n

The UNMC Benefits Office has composed a list of the most frequently asked questions concerning benefits. This week, UNMC Today will have articles addressing those questions.\u00a0If someone has a specific question that was not addressed in the articles, please reach out by email to the Benefits Office<\/a>.<\/p>\n\n\n\n

Today\u2019s question and answers will go over dental and vision coverage offered by the University.<\/p>\n\n\n\n

DENTAL<\/strong><\/p>\n\n\n\n

Q: How do the deductible, co-insurance and stop-loss apply to the Ameritas dental coverage?<\/strong><\/p>\n\n\n\n

A: Please see the Dental Plan Summary below.\u00a0Preventative and Diagnostic Services, such as teeth cleaning, 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.\u00a0Under Restorative and Major Services, there is a $35 deductible, meaning that the first $35 of the bill will be your responsibility.\u00a0The remainder is then applied to the co-insurance.\u00a0<\/p>\n\n\n\n

This plan has a $1,500\/person annual maximum benefit.\u00a0This 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.\u00a0 This benefit maximum restarts every year on Jan. 1.<\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

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?<\/strong><\/p>\n\n\n\n

A: Please visit the Ameritas Dental website<\/a> and create an account.\u00a0Once you log in and click on the Dental icon, you are able to review claims, request ID cards, find a preferred dental provider and get a cost estimate for various procedures.<\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

Q: Who can utilize the orthodontia benefit under the dental coverage?<\/strong><\/p>\n\n\n\n

A: The orthodontia benefit can be utilized by anyone on this coverage.\u00a0This does include Adult orthodontia.\u00a0<\/p>\n\n\n\n

Q: What is the coverage for orthodontia?<\/strong><\/p>\n\n\n\n

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. <\/p>\n\n\n\n

Q: Can I continue this coverage as a retiree?<\/strong><\/p>\n\n\n\n

A: Yes.\u00a0Please contact the benefits office to request additional information concerning retiree benefits.<\/p>\n\n\n\n

VISION<\/strong><\/p>\n\n\n\n

Q: What are co-pays and how do they work?<\/strong><\/p>\n\n\n\n

A: Co-pays are fixed amounts you pay for services. Below is a list of all the services provided by vision coverage, as well as the co-pays for each. <\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n
\n
\"\"<\/figure>\n<\/div>\n\n\n

Q: How does the frame\/contact allowance work?<\/strong><\/p>\n\n\n\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 then will 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 be responsible for the co-pays on the lenses and any coatings added.<\/p>\n\n\n\n

Q: Do we have a Lasik benefit?<\/strong><\/p>\n\n\n\n

A: Our plan provides covered dependents a 15% discount on Lasik or a 5% discount on promotional pricing. <\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

If you have questions or concerns pertaining to benefits enrollment, please contact the Benefits Office to schedule a one-on-one meeting. Meetings can be scheduled via email<\/a> or by calling 402-559-4340. <\/p>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"

As open enrollment approaches for benefits, here are some things to know about dental and vision insurance.<\/p>\n","protected":false},"author":75,"featured_media":56894,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-92666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","topic-inside-unmc","department-human-resources","department-unmc-today-todays-headlines","author_override-unmc-human-resources"],"yoast_head":"\nBenefits 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