At Tuesday afternoon’s information session, the company’s health care manager Rowlands & Barranca made a very important clarification on the proposed dental plan.
The $2,000 coverage cap for dental care under the Cigna plan is for each individual in a family, not the total for a household. A family of four, for example, would have a $2,000 cap for each parent and for each of two children, not one $2,000 cap for all of them.
Once the cap is reached, the Guild member would be responsible for any additional expenses.
Even Guild leaders had thought the cap was per family.
The other clarification is that the deductible that will apply to some services is a maximum of $50 for each individual and a maximum of $150 for a family. In that instance, a couple that both had teeth pulled would pay no more than $100 out of pocket. A family of four unlucky enough to all require pulled teeth or filled cavities would pay no more than $150.
The vote on the dental plan will be from noon to 1 p.m. Thursday and again from 5-5:30 p.m. Both votes will be in the advertising conference room on the second floor.
The Guild’s Executive Board is recommending approval of the plan, saying the benefits overall outweigh the negatives. The positives include 100 percent coverage of preventive care like oral exams, X-rays and cleaning as well as 50 percent coverage of periodontics and dentures, expenses not previously covered.