Open Enrollment:

April 19 through April 30, 1999

Look for Open Enrollment materials to be arriving at your home address during the week of April 12, 1999. This year's Open Enrollment offers you some new programs to consider.

OptiChoice Vision Care coverage available through Clarity Vision allows you to obtain care from a network of providers, including Scheie Eye Institute, or go to a non-network provider and receive a fixed reimbursement. For in-network care, the plan pays 100% for exam and lenses and 100% (up to $60 retail value) for frames every 12 months. In-network, contact lenses are paid at 100% for prescription and fitting, 100% for standard lenses and 100% (up to $75 retail value) for specialty lenses. Visit the Benefits Fairs on April 19 and 21 to talk to the OptiChoice representative or call 1-800-541-2039.

There are two changes to the dental plan this year. First is the discontinuation of the three-year waiting period for family dental coverage. In addition, MetLife replaces Prudential as administrator for the Dental Plan. The level of coverage in the MetLife Preferred Dentist Program (PDP) will be the same as that provided under the Prudential Dental Plan. This program offers an optional network of providers that you can use to reduce your out-of-pocket expenses. You also have the freedom to use the dentist of your choice.

--Division of Human Resources


Dental Plan Comparison Chart

Penn Faculty Practice (PFP) Plan

MetLife Preferred Dentist Program (PDP)

Preferred Provider (negotiated fee) Non-Preferred Provider (UCR)
Deductible None None None
Diagnostic Care (e.g., exams, x-rays) 100% 100% 100%
Preventive Care (e.g., cleanings) 100% 100%* 100%*
Restorative Care (e.g., fillings) 100% 90% 90%
Oral Surgery (extractions) 100% 100% 100%
Endodontics (e.g., root canal therapy) 90% 80% 80%
Periodontics (treatment of gums) 90% 80% 80%
Prosthodontics (e.g., bridges, dentures) 60% 50% 50%
Crowns & Restorations 60% 50% 50%
Orthodontics 60% 50% 50%
(for children under age 19)
$1,000 lifetime max. per child $1,000 lifetime max. per child
Annual Maximum Unlimited $1,000 $1,000
* MetLife is limited to two visits per plan year 7/1-6/30

Note: Please be advised that there is a correction to the dental comparison chart on page 15 of the Open Enrollment Guide that you will be receiving shortly. The Penn Faculty Practice (PFP) Plan provides an orthodontics benefit with No Lifetime Dollar Limit for Each Child. The $1,000 lifetime maximum benefit for each child applies to the MetLife Plan only.


The following table shows the 1999-2000 plan year healthcare rates for full-time University faculty and staff. This information will also be included in the information packet sent to your home during the week of April 12, 1999.

1999-2000 Health Care Rates

Employee Contributions (per pay period)

Weekly Paid

Monthly Paid

Option

Single

Family

Single

Family

Medical
BC/BS Plan 100 2 $18.76 $48.88 $81.28 $211.81
PENNCare 11 11.07 28.77 47.95 124.65
UPHS POS 12 5.48 14.27 23.76 61.82
Aetna US Healthcare - PA 5 2.74 7.13 11.88 30.91
Aetna US Healthcare - DE 10 2.74 7.13 11.88 30.91
Aetna US Healthcare - NJ 6 2.74 7.13 11.88 30.91
Keystone HMO 9 2.74 7.13 11.88 30.91

Dental

Penn Faculty Practice Plan 1 $0.69 $9.62 $3.00 $41.67
MetLife Preferred Dentist Program 4 0.69 7.95 3.00 34.43

Vision

OptiChoice 2 $1.38 $3.73 $5.98 $16.15

Human Resources Web site Address Change

Please change your bookmarks to reflect the new web site address for Human Resources: www.hr.upenn.edu.


Almanac, Vol. 45, No. 27, April 6, 1999

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