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Dental Insurance

Effective January 1, 2020, Colonial Life will be the dental insurance provider for RCSD employees. Employees will have a high and low plan option (see snapshot below). Both plans have the vision rider that can be added. This benefit allows you to save tax dollars by taking advantage of pre-taxing eligibility.

During open enrollment, Colonial Life representatives need to meet with all benefit eligible employees to either waive or enroll in Colonial's dental coverage. Check with your school office to see when the Colonial representatives have scheduled to come to your location. 

Employees that currently have Delta Dental coverage will be "rolled over" to Colonial's plan that will go into effect January 1, 2020. Waiting periods are waived for major
services for employees with prior coverage that enroll during open enrollment. 

Employees currently enrolled in a Delta Dental insurance plan will have continued Delta coverage through December 31, 2019.  

Colonial Life dental and vision providers (last updated 9/3/19) are found here: http://coloniallifedental.com/ 

If your current dentist or eye doctor are not in the Colonial network and you would like to refer them to participate in-network, click here: http://www.alwayscarebenefits.com/Refer.asp

Keep in mind if you do not elect Colonial's dental coverage as an employee of RCSD, you are not eligible for Colonial's vision plan. If you want a vision, but not a dental plan, you will need to enroll with Superior Vision. 

Colonial Life's Dental low option flyer

Colonial Life's Dental high option flyer

Colonial Dental/Vision Plan Snapshot 

What is available to me?

What does this benefit cover?

What is my cost to participate in this plan?

Colonial Life

Dental & Vision

 

 

Dental

*Waiting periods are waived for major services for employees with prior coverage that enroll during initial enrollment.  Waiting periods waived for major services for new hires that previously had dental coverage with prior employer in the past 63 days.

Plan 1(Low Plan)

Preventative: 100%

Basic: 60%

Major: 40%

Annual Deductible $50 per person/year 3 max

Annual Max: 1,000

Portable: yes, same rate

 

Plan 1 Rates:

Employee Only: $28.38

Employee + Spouse: $52.99

Employee + Children: $68.52

Family: $100.58

 

Plan 4 (High Plan)

Preventative: 100%

Basic: 80%

Major: 50%

Ortho: Yes, dependent children to age 19

Annual Deductible $50 per person/year 3 max

Plan 4 Rates:

Employee Only: $33.14

Employee + Spouse: $62.59

Employee + Children: $86.27

Family: $125.56

VISION as a rider 

*Benefits shown are in -network – for out of network see full brochure

Exam Copay: $10

Materials: $25

Lenses: Covered by co-pay for single, bifocal, trifocal. Lenticular and progressive $80/$70 allowance

Frames: $120 allowance

Contacts Elective $120 allowance

Medically necessary $210 allowance

*Contacts are in lieu of frames / lenses

Vision Rider:

Employee Only: $6.25

Employee + Spouse: $12.35

Employee Children: $13.00

Family: $20.35

 

Dental Provider Directory

First page of the PDF file: Dental_Provider_List