CCASAPE/CCSD HEALTH INSURANCE PLAN
The Clark County Association of School Administrators and Professional-technical Employees has negotiated a comprehensive health insurance plan for administrators. In order to receive the maximum benefits possible through the plan at the best possible cost, it is important that administrators and their dependents are familiar with the various components and benefit levels offered through the plan. Each administrator is encouraged to carefully review the CCASAPE / CCSD Health Insurance Plan benefits booklet.
The comprehensive health insurance plan negotiated by CCASAPE consists of seven separate components that are provided by four different providers:
Medical Coverage – HPN/Sierra Health & Life/United Healthcare
Dental Coverage – Standard
Vision Coverage – VSP
$50,000 Life Insurance Policy- Standard
Long Term Disability – Standard
$100,000 Life Insurance Policy-Standard
Long Term Care – UNUM
Other Useful Links
MEDICAL COVERAGE – HPN/SIERRA HEALTH & LIFE/UNITED HEALTHCARE
Providing you and your family with access to comprehensive and affordable medical benefits is a top priority for CCASAPE. At a time when health care costs nationally and locally are increasing at alarming rates, we are pleased to inform you that the CCASAPE leadership and the Health Plan of Nevada (HPN) representatives have successfully negotiated medical and Rx coverages through June 30, 2013.
DENTAL COVERAGE – STANDARD INSURANCE
Dental care is provided by the Standard Insurance Company. A summary of benefits is as follows. The deductible for each enrollee is a $100 lifetime deductible. The deductible is waived for administrators hired prior to January 1, 2006. Diagnostic and preventive services are generally paid at 100%. Basic benefits are covered at 80% and crowns are covered at 50%. Bridges and dentures are covered at 50%. There is a maximum $1500 benefit per patient per calendar year which can be increased to $2000 using the Max Builder and a lifetime $1500 orthodontic benefit for dependent children through age 18.
VISION COVERAGE – VSP
The provider for vision care is Vision Services Plan (VSP). Examinations and lenses will be provided every 12 months and frames will be provided every 24 months. The plan includes a $10 copay to member doctors at the time services are provided.
$50,000 LIFE INSURANCE POLICY- STANDARD
Each administrator currently participating in the CCASAPE / CCSD Health Insurance Plan has a $50,000 life insurance policy from The Standard Insurance Company. This policy also contains an additional $50,000 Accidental Death and Dismemberment (AD&D) Benefit. The policy benefit will reduce to 65% at age 70, and to 50% at age 75 for active administrators. For eligible covered retired administrators, benefits reduce to 50% at age 70. The policy also provides $2,000 life insurance coverage for the spouse of an active or retired administrator and a $2,000 benefit for an active or retired administrator’s dependent children through age 20, or through age 24 if the child is a full-time registered student.
STANDARD LONG TERM DISABILITY
This benefit is provided by the Standard Insurance Company. The benefit is effective 180 days after an individual becomes disabled. The benefit is 60% of an individual’s salary. The premium is paid with after taxed money which makes the full 60% benefit tax free.
In addition to the comprehensive insurance plan outlined above, CCASAPE has negotiated other health related benefits for administrative and professional-technical employees. These benefits are provided at no cost to the employee and include the following:
$100,000 LIFE INSURANCE POLICY- STANDARD
The Clark County Association of School Administrators and Professional-technical Employees administers a $100,000 life insurance policy for all active employees and those retirees who elect to continue the policy after retirement. The policy also contains an additional $100,000 Accidental Death and Dismemberment (AD&D) Benefit. Both the original amount and AD&D Benefit reduce to 65% at age 70, and to 50% at age 75 for active administrators. For eligible covered retired administrators, benefits reduce to 50% at age 70. This policy is currently provided through The Standard Insurance Company. This policy is a negotiated benefit provided by CCASAPE to active district administrators and offered to CCASAPE retirees. There is no cost to active administrators. There is no negotiated life insurance contribution provided once an administrator retires. However, CCASAPE, as a free service to its members, will collect the annual premiums from the retirees and transfer the premiums to The Standard each month. The rate per thousand dollars of coverage for retirees is the same as that of active administrators.
UNUM LONG TERM CARE
CCASAPE also provides to each active administrator a basic Long Term Care policy. This policy pays $1000 per month for a long term care facility, $600 per month for an assisted living facility, and $500 per month if receiving professional home care from a licensed practitioner. This basic LTC plan pays a maximum benefit of $60,000. This policy is a negotiated benefit through CCASAPE and there is no cost to active administrators. Active administrators and retirees may also elect to purchase additional long term care coverage from UNUM.