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 five separate components that are provided by five different
providers:
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Other Useful LinkS: |
MEDICAL
COVERAGE – SIERRA
HEALTH
(Website Link)
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 June 30, 2011.
Participants
in the CCASAPE health insurance plan have six 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 POS Plan 1, annually
pays $5381.28 out-of-pocket for dependent coverage. On the Value POS Plan 1,
the annual out-of-pocket cost for family coverage is $4740.24, a reduction of $641.04.
For POS Plan 2, the annual out-of-pocket cost
for family coverage is $3273.12, a reduction annually of $2108.16.
The out-of-pocket costs are reduced to $1804.08 if the administrator
and family enroll in the HMO Plan 3 medical plan,
a reduction annually of $3577.20 from the cost of POS Plan 1.
Administrators with a spouse only or children only will also enjoy significant reductions if
Value POS Plan 1, POS Plan 2 or HMO Plan 3 is selected.
Retirees will also see significant savings if they enroll in Value POS Plan 1, POS Plan 2,
or HMO Plan 3 . Retirees living outside the State of Nevada must be enrolled in the
Out-of-Area PPO Plan which is priced the same as the POS Plan 1.
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 plans is the pharmacy benefit. The pharmacy benefit for Value POS Plan 1, POS Plan
2 and HMO Plan 3 requires two co-payments
for a 90 day supply ordered through mail order (MEDCO) while POS Plan 1,
Medicare Eligible Plan, and the Out-of-Area PPO Plan 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
POS Plan 1, will not be available for a 90-day supply in
Value POS Plan 1, POS Plan 2 or HMO Plan 3, but will have to be purchased for the applicable
co-pay on a monthly basis. Those participants selecting HMO 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.
Active Administrators
who do not have dependents on the plan should remain in POS Plan
1, since CCASAPE continues to offer this plan with no cost
to the employee. Administrators with dependent children residing out-of-state
should enroll in POS Plan 1, Value POS Plan 1, or POS Plan 2 since the PPO
(tier 2) coverage levels will apply. HMO Plan 3 provides only emergency services
for college student dependents residing out-of-state.
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.
Mark Thorlton 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 Mark a call
at 702-304-6964 or contact the CCASAPE office at 702-796-9602. |
DENTAL
COVERAGE – STANDARD
INSURANCE (Website
Link) Back
to Top
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
(Website Link) Back
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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
(Website Link) Back
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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
(Website Link) Back to Top
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
(Website Link) Back
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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
(Website Link) Back
to Top
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
3/25/06 |
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