MEDICAL
COVERAGE – SIERRA
HEALTH
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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. 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 December 31, 2008. We are also
pleased to inform you that there will be no out-of-pocket increases
for actives or retirees during 2006.
Participants
in the CCASAPE health insurance plan have three excellent medical
benefit plans from which to choose. While each of the medical plans
are different, they each provide a rich array of benefits and are
priced to save the administrator and his/her dependents a significant
amount of money. For example, an active administrator and family
on the current CCASAPE POS plan (Plan 1), annually
pays $5120.88 out-of-pocket for dependent coverage. On the new mid-range
POS plan (Plan 2), the annual out-of-pocket cost
for family coverage is $2935.80, a reduction annually of $2185.08.
The out-of-pocket costs are reduced to $1673.04 if the administrator
and family enroll in the new HMO medical plan (Plan 3),
a reduction annually of $3447.84. Administrators with a spouse only
or children only will also enjoy significant reductions if the new
POS plan (Plan 2) or the new HMO plan (Plan
3) is selected. Retirees will also see significant savings
if they enroll in either of the new plans. Actives and retirees
remaining in the current POS plan (Plan 1) will
continue to have the same out-of-pocket costs deducted throughout
2006.
The
selection of a medical benefit option must not be taken lightly
or based on what your colleagues may do. It should be based on the
medical and pharmacy needs of your family. A primary difference
between the two new plans and the current POS plan (Plan
1) is the pharmacy benefit. The pharmacy benefit for Plan
2 and Plan 3 requires two co-payments
for a 90 day supply of drugs while Plan 1 requires
only one co-pay for the 90-day supply. However, non-preferred brand
name drugs, those drugs which have a $20 co-pay on Plan
1, will not be available for a 90-day supply in Plan
2 or Plan 3, but will have to be purchased for the applicable
co-pay on a monthly basis. Those participants selecting the new
Plan 3 will, of course, be limited to seeing HMO
providers only. Regardless of which medical benefit plan you choose,
every active administrator will continue to have the same vision,
dental, life and long term disability plans. Retirees will also
have the same vision, dental and life insurance plans, but do not
receive long term disability.
Administrators
who do not have dependents on the plan should remain in Plan
1, since CCASAPE continues to offer this plan with no cost
to the employee.
It
is recommended that plan doctors be verified by accessing the Sierra
Health link through this website (www.ccasa.net). The website listing
will be more up-to-date than the printed HMO and PPO medical provider
booklets.
Rene
Bernier Herle continues to serve as the Sierra Health Services account
executive for the CCASAPE / CCSD Health Insurance Plan. If you have
ANY problems with the HPN Point of Service Plan, the stand alone
HMO plan, or the SHL Out-of-Area Plan, you can give Rene a call
at 702-304-6964 or contact the CCASAPE office at 796-9602. |
$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. |
$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. |
