Benefits: Open Enrollment

Delta Dental and VSP Vision Plan Options

All benefits-eligible employees may elect Delta Dental insurance with or without the Vision Service Plan (VSP). Service Employees International Union (SEIU) Bargaining Unit benefits-eligible employees also have the option of Service Employees Benefit Fund (SEBF) Dental insurance with or without the SEBF Vision Plan.

Delta Dental Plan

SU offers two subsidized dental options through Delta Dental:

The Preventive Plan provides coverage for specified diagnostic, preventive, and temporomandibular joint dysfunction (TMJ) services.
The Comprehensive Plan provides coverage for services listed in the Preventive Plan in addition to basic and major restorative services, oral surgery, endodontics, periodontics, and prosthodontics.

Both Delta Dental options are fully insured point-of-service plans with three levels of coverage depending on the dental provider:

If the dentist participates in the DeltaPreferred Option network, co-payments are at the lowest level.
If the dentist participates in the DeltaPremier network, services fall under the second level with generally higher co-payments.
If the dentist does not participate with any Delta Dental network, services fall under the third level with generally the highest level of co-payments required.

Your enrollment in the Delta Dental Plan is a two-year commitment.

Delta Dental has been administering Syracuse University dental benefits since January 1, 2005. If you are enrolled in a Delta Dental Plan and have not made any changes since January 1, 2005, you may not waive or change your election until Open Enrollment for the benefit year that begins January 1, 2011. However, you may add or delete dependents during this year's Open Enrollment.
If you are currently enrolled in Delta Dental and began your coverage during an even calendar year (for example 2008), you will be able to change your election during this year's Open Enrollment for 2010 benefits.
If you are currently enrolled in Delta Dental and began your coverage during an odd calendar year (for example 2009), it will continue through 2010. You may not waive or change this election until Open Enrollment for the benefit year that begins January 1, 2011. However, you may add or delete dependents during this year's Open Enrollment.
If you waived Delta Dental coverage or were enrolled in the Bargaining Unit SEBF Dental plan for 2009, then you are eligible to enroll in either the Preventive Plan or the Comprehensive Delta Dental Plan during this year's open enrollment for a two-year commitment (2010 and 2011).

VSP Vision Plan

You must enroll in one of the two Delta Dental plan options described above in order to enroll in the VSP Vision Plan. Vision is not available as a separate option.

For specific information on allowances see VSP Allowances & Co-payments.

Your enrollment in the combined Delta Dental and VSP Vision program is a two-year commitment and follows the same rules and time frames as for Delta Dental described above.

Contributions

Most premiums are paid through pre-tax payroll deduction.
Qualified same-sex domestic partner premiums are paid on an after-tax basis.
SU contributes $100 per employee towards the coverage for either dental alone or dental plus vision. If you waive all dental coverage, SU will contribute $100 to a Health Care Flexible Spending Account.
Rates listed here are based on the 12-month calendar year. Actual deductions from each paycheck will vary depending upon your deduction cycle.

Delta Dental With or Without VSP Vision Rates
2010 Monthly Rates	Delta Dental Preventive Plan	Delta Dental Preventive Plan Plus VSP Vision	Delta Dental Comprehensive Plan	Delta Dental Comprehensive Plan Plus VSP Vision
Employee	$ 9.50	$14.18	$ 31.04	$ 35.72
Employee +1	$26.49	$35.86	$ 69.76	$ 79.13
Family	$38.87	$53.95	$109.39	$124.47

Before you decide, consider the following:

Are you eligible to change your election? Have you fulfilled your commitment?
Do you have access to other dental and vision coverage? If so, how does cost and coverage compare?
If you choose to waive Dental coverage, the University will apply $100 to your Health Care Flexible Spending Account.
How much did you spend for dental and vision care last year?
What dental and vision expenses do you anticipate next year?
Could the Health Care Flexible Spending Account help with some of your anticipated dental and vision expenses?

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The Open Enrollment webpages summarize your Syracuse University benefit options. Every effort has been made to ensure this information is accurate. However, the programs are governed by legal documents and insurance contracts. If there is any difference between the information on these webpages and the official documents and contracts, the official documents and contracts will rule. SU benefits are governed by current laws and operated according to Internal Revenue Service (IRS) regulations. We will notify you if changes in plans are necessary to comply with the law or with IRS regulations.
Employees electing to participate in the SU benefit plans are bound by the terms of the governing Plan documents. If you have any questions regarding the plans, you may request a copy of the Plan document from the Plan Administrator by contacting the HR Service Center at the number indicated at the end of this page.
As is the case with all benefits offered by SU, (1) the Plan Administrator has the discretionary authority to interpret the terms of the Plan and such interpretation will be binding on all interested parties to the fullest extent permitted by law, and (2) the University reserves the right to modify or terminate the Plan at any time.

Helpful Links:

Delta Dental

VSP

EBS-RMSCO

Health Care Flexible Spending Account

Need help? HR staff is available to assist you. Call the HR Service Center at 315-443-4042, or email hrservic@syr.edu.