dental13

2013 Benefits Open Enrollment

Dental Coverage
Instructions and Information for
Completing Your Personal Enrollment

These instructions will assist you in completing your Personal Enrollment for The University of Iowa Benefits Program.

Dependents may now be covered until the end of the year in which they turn 26, regardless of student status.
There are tax ramifications to consider when covering students over age 26. More information is here: http://www.uiowa.edu/hr/benefits/health/fpsmse/taxable_ins_hd_fpsmse13.html

CHANGES, COVERAGE, COST

Changes

At the recommendation of The Funded Retirement and Insurance Committee, the Dental I dental insurance plan is being closed effective 12/31/2012.

Those insured under that plan who wish to maintain dental insurance coverage through the University must select the Dental II plan during open enrollment.

The Dental II plan essentially doubles the coverage if Dental I, with an additional $750 coverage for restorative work and/or orthodontics.

The Dental I plan was closed due to declining enrollment and increasing premiums:

Almost 1000 faculty and staff have dropped this plan in the last year
For 2013, Dental I costs to the University were set to rise in some family statuses to the point that they would have been approximately the same as the more robust Dental II plan.
The cost to employees for Dental I premiums were set to rise dramatically - to the point that they would have been approximately the same as the more robust Dental II plan.

Dental Coverage

Your benefits include a University contribution toward the cost of health and dental insurance for permanent University faculty, professional and scientific staff, and supervisory exempt merit staff holding a 50% time or greater appointment.

COVERAGE

Description and comparison of plans. Enrollment in the dental plan is optional. For no coverage, select option number “90.” If you want dental coverage, you must select from the dental programs shown. Once coverage is selected, enter that number on the line labeled “Option Code.”

Coverage is provided through Delta Dental of Iowa.

PART A Dental Benefits (Preventative Maintenance Care)

Benefit	Dental II
Annual Deductible (Per Member)	None
Coinsurance	0%
Maximum Annual Benefit (Per Member)	None

Part A dental benefits include:

Routine examination and teeth cleaning

PART B Dental Benefits (Restorative Care, Dental Prosthesis, and Surgical Care)

Benefit	Dental II
Annual Deductible (Per Member)	None
Coinsurance	20%
Maximum Annual Benefit (Per Member)	$1,500**

Part B dental benefits include:

Regular cavity fillings

Oral surgery

Emergency treatment for relief of pain

Crowns

Non surgical treatment for gum disease

Root canal

Bridges, partial and complete dentures

PART C Dental Benefits (Orthodontic Care)

Benefit	Dental II
Annual Deductible (Per Member)	$50
Coinsurance	70%
Maximum Annual Benefit (Per Member)	$1,500**

Part C dental benefits include:

Treatment necessary for the proper alignment of teeth

Orthodontic benefits paid quarterly

**$1,500 all covered services per member combined with Part B and C.

Cost

Dental Coverage	Employee Only	Employee and Spouse	Employee and Children	Employee and Family
Dental II	$40.00	$65.00	$100.00	$119.00
UI contribution	$40.00	$52.00	$80.00	$96.00
Employee Cost	$0.00	$13.00	$20.00	$23.00

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Questions? Need Help?

If you have questions or concerns regarding the enrollment process, please contact:

University Benefits
120-40 USB

Email: benefits@uiowa.edu

Web Site: www.uiowa.edu/hr/benefits

Phone: 319-335-2676 or
877-830-4001 (toll free)

Fax: 319-335-2776

Human Resources - University Benefits

Enrollment