Dental Insurance

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Voluntary Dental Insurance

Plan Sponsor. This Plan is sponsored by Rhodes College, 2000 North Parkway, Memphis, TN 38112.

Eligible Participants. All full-time faculty and staff categories A and B have the option to purchase dental insurance coverage for themselves, their domestic partner and their dependents.

Date Eligible for Coverage. Each employee becomes eligible for dental coverage under the Plan the first day of the month following the date of employment with Rhodes.

Date Eligible for Dependent Coverage. A dependent shall become eligible for coverage on either (a) the first day that the employee becomes eligible for coverage and satisfies the definition of eligible dependent coverage or (b) the day a covered employee first acquires an eligible dependent.

Benefits Provided. There are two separate Dental Plans available.

Split Value Plan In-network

  • $100 lifetime deductible per covered individual (maximum 3 per family)
  • Diagnostic and preventive services covered at 100%
  • Basic services covered at 80% after deductible has been met
  • Major services covered at 50% after deductible has been met
  • $1,000 per person maximum benefit per calendar year

Split Value Plan Out-of network

  • $100 lifetime deductible per covered individual (maximum 3 per family)
  • Diagnostic and preventive services covered at 100% of the network rate after the deductible has been met
  • Basic services covered at 50% after the deductible has been met
  • Major services covered at 25% after the deductible has been met
  • $1,000 per person maximum benefit per calendar year

PPO Plan In-network

  • $100 lifetime deductible per covered individual (maximum 3 per family)
  • Diagnostic and preventive services covered at 100%
  • Basic services covered at 100% after deductible has been met
  • Major services covered at 60% after deductible has been met
  • $2,000 per person maximum benefit per calendar year

PPO Plan Out-of-network

  • $100 lifetime deductible per covered individual (maximum 3 per family)
  • Diagnostic and preventive services covered at 100% after the deductible has been met
  • Basic services covered at 80% after deductible has been met
  • Major services covered at 50% after deductible has been met
  • $1,500 per person maximum benefit per calendar year

There is a monthly charge for dental insurance coverage that is paid through payroll deduction. At the employee’s option, dental insurance premium payments may be deducted through the flexible benefits program (pre-tax option).

Currently the insurance company is Guardian Life Insurance Company. Request for information concerning Guardian Life Insurance Company contract terms, condition and interpretation thereof, claims thereunder, any requests for review of such claims and service of legal process may be directed in writing to: Guardian Life, 7 Hanover Square, H-26-E, New York, NY  10004.

The requirements for being covered under this Plan, the provision concerning termination of coverage, a description of Plan benefits (including any limitations and exclusions which may result in reduction or loss of benefits) are explained in the Certificate of Coverage.

Guardian Life offers a Vision discount plan to participants covered under the dental plan and their dependents.  For additional information, please contact The Rhodes Human Resources Department at hr@rhodes.edu.

The plan year is July through June.
For a statement of ERISA rights see ERISA.

 

Revised September 19, 2014.
Revised July 1, 2008.
Revised February 13, 2007.
In effect April 26, 2004.
Vice President for Finance and Business Affairs.

Note: The Rhodes College Handbook is not a contract of employment, nor should it be construed to create a contract with the College. Rhodes reserves the right to make future changes to its policies, practices, and fringe benefits. If such changes occur, the College will inform employees of such changes and their effect, if any. If you have questions, please contact The Rhodes Human Resources Department at hr@rhodes.edu.