Late Season 2023
BENEFITS TOOLBOX
A Publication of the New York City District Council of Carpenters Benefit Funds
NYCDCC Welfare Fund’s Board of Trustees Improves Dental Coverage, Changes Plan from ASO/SIDS to Empire BCBS As previously reported on our website and social media pages, effective August 1, 2023, the NYCDCC Welfare Fund’s (the “Fund’s”) Board of Trustees improved dental coverage by changing the plan from Administrative Services Only, Inc./SelfInsured Dental Services (“ASO/SIDS”) to Empire BlueCross BlueShield XPO Dental Complete (“Empire BCBS”). We have summarized some information below to help you understand the new dental plan. You should have also received a package in the mail that contains a new Empire BCBS ID card (for dental coverage ONLY), as well as coverage details concerning the new plan. Some highlights of the new dental plan through Empire BCBS include: • A wider network of dental providers, including more abundant options for local providers, as well as those beyond the tri-state area. Our new plan has three types of coverage: (1) XPO (In-Network), (2) Dental Complete (In-Network), and (3) Out-of-Network. The network coverage breakdown is as follows: - XPO (In-Network)- The Fund pays 100% coverage (after deductible, if applicable). - Dental Complete (In-Network)- The Fund pays 80% coverage (after deductible, if applicable) [or 50% for Oral Surgery, Major Services, Prosthodontics, and Orthodontic Services]. - Out-of-Network- Provides reimbursement per predetermined fee schedule.
Active participants/dependents are entitled to:
Retired participants/dependents are entitled to:
• •
• •
• •
An Annual Benefit Maximum of $2,500. An Orthodontic Lifetime Benefit Maximum of $2,510. An Annual Deductible of $100 (per member) No Deductible for Diagnostic/Preventive Services (certain services, such as Oral Evaluations and Teeth Cleaning, are limited to two per calendar year).
• •
An Annual Benefit Maximum of $1,500. An Orthodontic Lifetime Benefit Maximum of $2,510. An Annual Deductible of $100 (per member) No Deductible for Diagnostic/Preventive Services (certain services, such as Oral Evaluations and Teeth Cleaning, are limited to two per calendar year).
• A fast-acting, reliable, and helpful Customer/Member Services Department that is equipped to handle significant call volume. • An ability to transfer/continue coverage if treatment began with ASO/SIDS. • An option for telehealth visits with dental providers. • Emergency dental treatment for international travelers. • Mobile and online tools to help make the most of your dental plan. For more detailed information beyond these highlights, you can view the “Summary of Benefits” and the “Dental Provider Search” flyers, which can be found on our website at www.nyccbf.org. Additionally, you can manage your dental benefit at www.empireblue.com. If you have any questions concerning the new dental plan, please contact our Member Services Department at (800) 529-FUND (3863) or Empire BCBS at the number located on the back of your ID card.
Benefits Toolbox / Late Season 2023