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:
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Other Useful LinkS: |
MEDICAL
COVERAGE – HPN/SIERRA HEALTH & LIFE/UNITED HEALTHCARE
(Website Link)
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.
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DENTAL
COVERAGE – STANDARD
INSURANCE (Website
Link) Back
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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.
HIPAA Notice of Privacy Practices |
VISION
COVERAGE – VSP
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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
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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
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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
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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
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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. |
| Updated
10/25/11 |
