UACES Facebook C.E.S.P. 8-24: Dental Insurance

 

Employee Benefits - Fringe Benefits

C.E.S.P. 8-24: Dental Insurance

Date Revised: 1-1-2018
Supersedes: 1-1-2015

Summary: Establishes a policy offering dental insurance for all Extension employees.

The University of Arkansas Dental Plan is self-insured and self-funded. Arkansas Blue Cross Blue Shield (AR BCBS) is the third party administrator and processes claims.

The dental plan is a preventive plan. It is designed to assist you in maintaining good oral health. Twice-a-year checkups and cleanings are covered in full. The plan has a $50 deductible per person or $100 per family for other services that are covered at either 80% (restorative care) or 50% (major care). $1,500 is the maximum annual benefit per person, although there is a carryover benefit that could increase this to $3,000. The plan also covers orthodontia for dependents under 18 years of age.

Employees may cover their spouse, as legally recognized by the State of Arkansas. Employees are required to provide documentation proving dependent eligibility (e.g. marriage license, birth certificate) in order to add a spouse or child.  Employees may cover their children until the child reaches their 26th birthday, regardless of their marital, employment or student status.

You can wait and add your newborn before they reach age 3. However, if you pre-tax your dental premium deduction, be sure to add your toddler effective January 1 of the new tax year before they reach age 3.

Premium cost is based on the coverage level the employee elects and the percent of time the employee works.

New employees must make their enrollment election within their first 31 days of employment.  Benefit coverage will begin on the first day of the month following the date enrollment forms are received in the Human Resources Office. 

Should an employee experience a qualifying event, the employee may have a special 31-day window to make changes to their coverage.

If you have questions about the dental plan, you may call AR BCBS (888-223-4999) or the Extension Human Resources Office (501-671-2219).

Coordination of Benefits - This plan coordinates with other group plans under which an individual is covered so that the total benefits available will not exceed 100% of the allowable expenses.

Resignation - Under the federal regulation called COBRA (Consolidated Omnibus Budget Reconciliation Act), you have the option of continuing your current group dental insurance coverage for up to 18 months after termination (or 36 months under certain conditions). To keep this coverage, you must pay the total premium (employee and employer share of the cost) plus 2%.

Retirement - You may continue the UA dental insurance by paying both the employee and employer share of premiums if you have been insured under the plan for at least 10 continuous years prior to retirement and your age plus length of service equals at least 70.

In addition to the “10-70 rule” to be eligible to continue UA dental insurance beyond separation from employment, eligible employees age 65 or older at the time of separation from employment must meet the following stipulations:

  1. For the last five consecutive years been in a benefits-eligible position; and
  2. For the last five consecutive years been a participant in the dental plan

Dental Resources:

Forms:

Legal Notices:

Consult your Summary Plan Description or contact the Human Resources Office at (501) 671-2219 for more information.