The Open Enrollment window (active NOW through November 15 in ADP) is the perfect time to review your benefits options and assess whether you might want to make a change for next year. In yesterday’s Compass post, we focused on our medical plan options. Today’s benefit is DENTAL.
Both of our plans cover basic dental services like exams, cleanings, fillings, and root canals. Here’s a quick look at how they compare:
Low plan:
- 100% of allowable costs for diagnostic and preventive care (including oral exams, scheduled x-rays, and two cleanings in a 12-month period)
- 80% of allowable costs for other basic services (after meeting a deductible of $25/person)
- Annual plan year maximum benefit is $1,500/person
High plan:
- 100% of allowable costs for diagnostic and preventive care (including oral exams, scheduled x-rays, and two cleanings in a 12-month period)
- 80% of allowable costs for other basic services (after meeting a deductible of $50/person)
- Sealants: 80% of allowable costs (for dependents through age 15)
- Crowns and implants: 60% of allowable costs (for enrollees over age 12)
- Orthodontics: 50% of allowable costs (for dependents under age 19); lifetime limit applies
- Annual plan year maximum benefit is $2,000/person
Which plan should I choose?
If you don’t have dependents on the plan who might need orthodontia/sealants, or if you don’t foresee the need for a crown next year, the LOW dental plan may suit your needs perfectly! Want to compare the plans/rates? Head over to our Open Enrollment info page.
Who is eligible for coverage on our dental plans?
- Employees in regular positions who work at least 50% part-time
- Eligible dependents:
- Your spouse (to whom you are currently and legally married)
- Your natural children, children of your current spouse, legally adopted children, or those for whom you have legal custody/guardianship (including eligible foster children) under the age of 26
- Certain disabled dependents over the age of 26 (subject to eligibility criteria)
Please review the eligibility criteria thoroughly before adding new dependents onto the plan. If any dependent you currently have on the dental plan does not meet the eligibility criteria, you are required to remove that dependent from the dental plan during the Open Enrollment window (or as soon as that dependent becomes ineligible). Dependents on the dental plan are subject to a dependent eligibility review. Important: Failure to comply with an eligibility review will result in the removal of your dependent from the dental plan.
Need help?
Whether you have a quick question or you’d like to schedule a virtual consultation with a member of our benefits team, we’re here to help! You can reach us by email at benefits@k12albemarle.org or give us a call at 434-296-5827.