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Dental, Vision, FSA and AD&D Details

Jump to:   • Dental     • Vision     • FSAs     • Accidental Death & Dismemberment

Dental

The dental plan services run on a rolling cycle, based on date of service, instead of a calendar year. Click here (VUnetID required) to see dental premiums for 2018.

To give you more choice in dental plans, we will offer two PPO dental options for 2018. New for 2018 is Delta Dental, a PPO plan similar to BlueCross BlueShield DentalBlue. We will still offer the BCBS DentalBlue PPO plan as well as the Cigna DHMO plan.

  • If you cover your spouse or children on your BCBS DentalBlue or Cigna DHMO dental plan, their coverage will roll over for 2018.
  • Delta Dental of TN, a new PPO plan, offers competitive rates, a broader network of providers and excellent service. If you'd like to enroll in Delta Dental, you will need to go to My VUMC Benefits to elect the coverage during open enrollment. No one will be automatically enrolled in Delta Dental.
  • Rates are staying the same for BCBS DentalBlue and Cigna DHMO. If you currently have BlueCross BlueShield, and your current provider participates in both BCBS and Delta Dental networks, you may want to compare premium rates between the two. Delta Dental’s overall cost to members is lower than BlueCross BlueShield, so you will see a lower payroll deduction if you choose Delta Dental.
Cigna Dental Care (DHMO)   BlueCross BlueShield DentalBlue (PPO)   Delta Dental (PPO)
No deductibles, waiting periods or dollar maximums   $50 deductible and 12-month waiting period for orthodontia. The deductible does not apply to basic cleaning and x-rays. Orthodontic coverage is for children only.   $50 deductible and 12-month waiting period for orthodontia. The deductible does not apply to basic cleaning and x-rays. Orthodontic coverage is for children only.

Important note: If you decide to enroll in the Delta Dental PPO plan for 2018 during Open Enrollment, Delta Dental will waive the one-year waiting period for orthodontia. Delta Dental will not carry over any amount spent on orthodontia with BlueCross BlueShield, which means if you have hit your lifetime maximum with BlueCross BlueShield, you may be eligible for additional orthodontia coverage.
There is a copay (set fee) for dental services. Learn more.   There is no copay; there is coinsurance. Learn more.   There is no copay; there is coinsurance. Learn more.
Smaller network of dentists and must choose a primary dentist   Larger network of dentists   Offers the largest provider network in the nation through the Delta Dental PPO and Premier networks.
Does not provide out-of-network coverage   Offers out-of-network coverage   Offers out-of-network coverage
Referrals are needed for specialists    No referrals needed    No referrals needed
 No annual benefit maximum   Benefit maximum is $1,500 a year   Benefit maximum is $1,500 a year
Some procedures have frequency limits, such as one cleaning per 6-month period   Some procedures have frequency limits, such as one cleaning per 6-month period   Some procedures have frequency limits, such as one cleaning per 6-month period

 

Vision

The vision plan is a benefit paid for by the faculty or staff member and services run on a rolling cycle, based on date of service, instead of a calendar year.

Superior Vision Services is the provider for vision care. Superior Vision offers a wide network of providers, including Vanderbilt Eye Institute, Target, Wal-Mart and Lens Crafters. Your coverage includes eye examinations, prescription eyewear and contact lenses through a provider network that includes both ophthalmologists and optometrists.

Click here (VUnetID required) to see vision premiums for 2018.

FSAs

Flexible spending accounts (FSAs) let you pay for many of your out-of-pocket health or dependent day care expenses with tax-free dollars.

You decide how much of your pretax wages you want taken out of your paycheck and put into an FSA. You don’t have to pay taxes on this money. You must re-enroll in FSAs every year.

Health Care FSA

  • This FSA reimburses you for eligible health care expenses such as copays, coinsurance, prescriptions and eyeglasses. See a complete list of eligible expenses on the IRS website.
  • The minimum you can contribute is $104 per year; the maximum you can contribute is $2,600 per year. If both you and your spouse work, you can both contribute $2,600.

Dependent Day Care FSA

  • This FSA allows you to set aside money to pay for day care expenses for children under the age of 13 or elder care. The day care must be used as a means to allow you and/or your spouse to be gainfully employed.
  • The minimum you can contribute is $104 per year; the maximum you can contribute is $5,000 per year. If both you and your spouse work, you need to coordinate with your spouse so that your total household contribution does not exceed $5,000.

You have until March 15 of the following plan year to incur an expense and April 15 of the following plan year to file a claim on your previous year’s FSA. At the end of the grace period, though, you will lose any money left over in your FSA. So it’s important to plan carefully and not put more money in your FSA than you think you’ll spend within a year.

AD&D

Accidental Death & Dismemberment (AD&D) is a plan that pays a benefit if you lose your life, limbs, eyes, speech or hearing due to an accident.

You can enroll for individual or family coverage. Family coverage includes your spouse and any dependent children up to the age of 19 years (or up to age 23 if attending school full time). If you choose family coverage, your spouse and children are covered at a percentage of the amount of coverage that you elect.

Full-time regular faculty and staff may purchase AD&D coverage in increments of $10,000 (up to 10× your annual salary or $500,000, whichever is less). Click here (VUnetID required) to see AD&D premiums for 2018.

MetLife Travel Assistance

If you purchase $10,000 or more of Accidental Death & Dismemberment insurance, you are eligible for MetLife’s Travel Assistance.

Participants have access to assistance when faced with an emergency while traveling internationally or domestically when more than 100 miles away from home. MetLife provides worldwide medical, travel, concierge, legal and financial assistance services through Travel Assistance. As long as the service provided is covered, you will not have to pay the provider upfront and then look for reimbursement.

In most instances the employee will be relying on AXA to help arrange the services and AXA and the vendor work out the payment arrangements. The maximum benefit amount is 100 percent of covered expenses up to $200,000 per eligible person per trip.


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