Answering Your Questions From the Benefits Survey

Juliette Houseman, Benefits Specialist, continues to address some of the questions being submitted via the staff Benefits Survey.  

Q/Comment: What does the deductible calendar vs. benefit plan year mean? 
A: The short answer is: Our benefit plan year is July 1 through June 30. This time frame is what defines the period of your coverage and premium costs. Whereas the deductible year runs from Jan. 1 through Dec. 31, with a 4th quarter carry over. This means that deductible costs incurred from October through December roll over into the following calendar year and are applied to the deductible on Jan. 1. The long answer is: contact Juliette Houseman for your specific situation since every situation is unique to the individual/family. 

Q/Comment: I wish dental could be a bit stronger—coverage with orthodontia, wisdom teeth surgery, etc. 
A: Our dental plan has coverage for orthodontia and teeth extractions. A complete summary of benefits can be found on the Intranet > Benefits > Delta Dental. 

Q/Comment: I preferred to be on BCBS Alliance Select at a previous employer—I was able to go to non-PPO chiropractors. 
A: Like the Alliance Select plan, on the Blue Choice plan, you can also go to non-PPO chiropractors. The difference (which is true with both plans) is the dollar amount you will pay when you go to a non-PPO chiropractor vs. a PPO chiropractor.