Voluntary Co Payment Health Insurance

Posted : admin On 1/3/2022
  1. Voluntary Co Payment Health Insurance Definition
  2. What Is Voluntary Health Insurance Scheme
  3. Voluntary Insurance Program
  • COBRA insurance extends your health plan coverage when an employer's plan ends: Your employer, your insurance carrier, or both will give you information on COBRA coverage. Your insurance carrier is required to include COBRA rights information in your plan documents when you initially enroll.
  • The Cancer Insurance Plan can help safeguard your finances and provide you with money when you and your family need it most. Payment is yours to use as you see fit and in addition to any other insurance you may have. Even the best of health plans can leave you.

Voluntary Co Payment Health Insurance Definition

Everyone at MPM would like to welcome you to our website. For over 25 years, The MPM Group has provided and administered Voluntary Benefits designed to supplement core benefits provided by the University.

Voluntary premium payment for OFWs could compromise National Health Insurance Program —PhilHealth chief. Philippine Health Insurance Corp. (PhilHealth) president Ricardo Morales on Tuesday said making the payment of contributions for overseas Filipino workers (OFWs) voluntary may 'compromise' the National Health Insurance Program (NHIP) as provided under the Universal Health. Health insurance co-pay refers to an arrangement in which the policyholder will need to pay a portion of the medical expenses on their own and the insurance company will pay the remaining amount. It is carried out with co-pay clauses.

If you are a NEW UK employee (within 60 days of hire), several of these Voluntary Benefits are available without answering a lot of health questions. If you do not elect to participate in the first 60 days, stricter underwriting guidelines (more health questions) will be asked for some of these benefits, and coverage could be denied. It is important to not delay in reviewing these benefits.

Most of these Supplemental Benefits have common features that include:
  • Payroll Deduction (Some are pre-tax)
  • Portability - Most plans may be continued after employment ends on a direct bill basis.

​Clickthis image to see how pre-tax premium deductions combined with policy features of Critical Illness, Cancer, and Accident plans can inexpensively help reduce the risk of paying deductibles, co-insurance, and other non-medical living expences if you have a severe accident or illness.

Click These Buttons for Information
Click below or call our office if you would like to ENROLL in:
  • Critical Illness (available April 28, 2021)
  • Cancer Insurance
  • Accident Insurance
  • Short-term Disability
  • Universal Life Insurance
Click HERE for helpful instructions on using our enrollment platform, hello iris!.

NEW Critical Illness - Available at 2021 Open Enrollment!:This plan provides a lump sum benefit ($5,000 - $50,000) to help pay deductibles, co-insurance, and living expenses when someone experiences a severe critical illness like a heart attack, stroke, major organ transplant, and others. These benefits are not offset by health insurance benefits; and all payments are paid directly to the insured. A $100/year Health Screening Benefit is also included. Pre-tax premiums. Polices are issued by AFLAC.

Group Cancer Insurance: This plan is designed to help offset indirect out-of-pocket expenses associated with cancer treatments and 29 other specified diseases. Guaranteed coverage is available during your first 60 days of employment. Benefits are paid directly to the insured regardless of any other health insurance coverage in force. A $100/year Wellness Benefit is also included for each insured person. Pre-tax premiums. Polices are issued by Allstate Benefits.

Accident Insurance: This plan is designed to help take care of unexpected bills related to injury accidents (even sports-related) that occur everyday. Accident insurance provides benefits for initial care, injuries, and follow-up care that are a result of a covered accident. These benefits are not offset by health insurance benefits; and all payments are paid directly to you. A $100 Health Screening Benefit is also included. Pre-tax premiums. Polices are issued by Trustmark Insurance Company.

Short-Term Disability Income: 'Paycheck Protect®', our newest plan, is designed to provide UK Staff an income when you cannot work due to an illness or off-the-job injury. Faculty are not eligible for this benefit (click HERE if you are faculty). Guaranteed coverage is available during your first 60 days of employment. The plan also covers disability resulting from child birth (if the birth occurs 10 months after the Effective Date of Coverage) and Mental Illness. Plan A has a 14-Day Elimination Period, and Plan B has a 30-Day Elimination Period. Both plans pay benefits up to 6 months if your doctor requires you to be off work.

Universal Life Insurance: Available for employees and their spouses, children, and grandchildren (Issue ages 0-65). Guaranteed coverage is available during your first 60 days of employment:

  • $150,000 for employee
  • $50,000 for working spouse
  • $10,000 for non-working spouse
  • $20,000 for dependent children, 0-18 years old

This permanent type of life insurance is designed to be there for you now and in retirement. It also accumulates cash value. Reasons to enroll include:

  • Perfect for Final Expenses/Burial Policy.
  • Provides LIFE-LONG coverage.
  • Cheaper than waiting and converting group term life at retirement.
  • Death Benefits as low as $10,000.
  • Can also be used as a charitable gift.

Term vs Permanent (Universal Life) Video

Voluntary Long-Term Disability (VLTD) Buy-Up: Allows employees who are eligible for the University provided Long-term Disability benefit (ClickHERE for eligibility info.) to purchase additional coverage equal to 10% of their base salary. This coverage can fill the gap between your pre-disability salary and the University provided 60% LTD benefit. Unlike the University provided coverage, benefits are tax free and not offset by other forms of disability benefits.

'Protect your most valuable asset...your paycheck. Don't risk a 40% paycut.'

  • VLTD Benefit & Premium Calculator (Excel Format)

MetLaw Group Legal: Quality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney you trust. But for a low monthly fee, you can have a team of top attorneys ready to help you take care of life’s planned and unplanned legal events. This plan also provides credit monitoring and identity theft protection.

Sign up under your 'Self-Service' portal on myUK (click here)within 30 days of your hire date or at your annual Open Enrollment (use the paper application if you are between 30-60 days of your hire date). For more informatiion, call 800-821-6400; or visitinfo.legalplans.comand enter 9901134 for Single Coverage or 9901135 for Family Coverage.

Here are a couple testimonials:

“The Metlaw benefit was extremely easy to use and it worked very well for us. Our son had a disputable traffic ticket in another state. We called the 800 number and was provided with a listing of lawyers to call. Our lawyer prepared and sent a document and appeared in pre-trial and the ticket was dismissed. This one incident saved us more than double of what the premiums cost in the form of dismissed traffic fines and attorney fees. I have more legal more work to do, updating a will and a trust, and am so glad we have this benefit. Great buy and great service.” (UK Employee)

“I used Hyatt Legal plan for the first time this year. My husband and I were able to have a Will, an Estate, and a Living Will prepared. The process was efficient and much easier than either of us expected. We learned you don’t have to have a great deal of money to have an estate. The attorney bills $325 an hour and said she typically bills $3,000 for estate preparation but because we purchased the family plan for $22.50 per month, we had this service included at no cost! I highly recommend to anyone who needs a Will and Estate prepared or an update on their documents.” (UK Employee)

  • FraudScout Feature (included in MetLaw Plan)
  • How to Use MetLaw
  • 10 Reasons to Enroll in MetLaw (Video)

Auto & Homeowners Insurance: Special group rates for Auto, Home, Renters, Condo, Recreational Vehicle, Boat, Mobile Home, Landlord's Rental Dwelling, and Personal Excess Liability ('Umbrella'). For quotes, please call 1-800-GET-MET8. To obtain a quote online, go tohttps://www.metlife.com/mybenefits.Be sure to have a copy of your current coverage in hand so that you can obtain an accurate comparison.

Pet Insurance from Nationwide: Insurance for your dog, cat, bird, or exotic pet that can help pay for minor problems to life-threatening situations. Allows you to visit any licensed veterinarian. Optional Vaccination and Routine Care Coverage is also available. For quotes and to enroll online for your dog or cat, go tohttps://benefits.petinsurance.com/uky. Call 877-738-7874 for the Avian and Exotic Pet Plan.

Pet insurance has been great! We have dogs that are like family and we don't want to worry about deciding if we can afford a medical procedure if needed. Recently, our Newfoundland puppy had complications after being neutered. The 24/7 Vet helpline was there for us, and all the claims were very easy to submit on Nationwide Pet's portal. (UK Employee)

  • Why Pet Insurance (Video)

Eyemed Vision (also found on UK's website):Click HERE for information and rates from UK's website, but also check out this attachment with additional value-added services.To enroll in this benefit, go to the 'myUK' self service portal found HERE.

What Is Voluntary Health Insurance Scheme

Delta Dental (also found on UK's website):Click HERE for information and rates from UK's website, but also check out the comparison and 'Stay in Network and Save' links below. To enroll in this benefit, go to the 'myUK' self service portal found HERE.

UK Group Term Life & Dependent Life (also found on UK's website): The Group Term Life Insurance can be purchased in increments equal to your UK salary. The maximum coverage is now 8x salary or $1 million, whichever is less. Up to 3x Salary or $375,000 (whichever is less) is guaranteed in the first 30 days of employment.

The Dependent Life can be purchased on an a spouse and/or children (including sponsored dependents) in amounts of $10k, $15, $20, $25k, or $30k.

Click HERE for more information and rates.

To enroll in this benefit, go to the 'myUK' self service portal found HERE.

Zurich AD&D (also found on UK's website):Accidental Death & Dismemberment. Click HERE for information and rates from UK's website, but also check out this attachment with a detailed summary of the benefit. To enroll in this benefit, go to the 'myUK' self service portal found HERE.

Long-Term Care Insurance: This coverage helps pay for long-term care expenses which are normally not covered by health insurance or Medicare. Currently, new policies for payroll deduction are not being accepted; but we can assist you in obtaining a policy that is direct billed.

  • If you purchased a Long Term Care policy from Genworth, please call (800) 416-3624 for service.
  • If you purchased a policy from PFL Life/Monumental Life/Transamerica, please call (800) 338-0257 for service.

Please feel free to call us as well, but the information we have on your specific payroll deducted policy will be limited.

If you would like MPM to provide you with information and/or quotes from other carriers, please call us at (859) 223-4973.

Please call our office at (859) 223-4973 for additional information.

If you are already enrolled in one or more of these benefits and would like to make changes, please click below for a Service Request Form. Please do not hesitate to call our office if you need assistance.

Service Request and Claim Forms:

Trustmark
ABLAC/CAIC/AFLAC

The Dental Plan is an indemnity plan. Under this program, covered services are reimbursed as a percentage of the 'Usual and Customary' charges for that service in the state where the charge is incurred.

Obtain Services From Any Dentist

Under this program, insured members may use any dentist they choose. If you were previously a member of a dental plan requiring the use of a specific dentist, you may continue to use that dentist if you so choose, but it is not a requirement of the Dental Plan.

Coverage Schedule

Calendar Year DeductibleNo Deductible for - Type I Benefits$100 per person - Type II and Type III benefits, combined
Calendar Year Maximum$1,500 Per person for all covered services
$500 per person for all eligible Orthodontic services, if Optional Orthodontic Coverage is selected
Lifetime Maximum$1000 for Orthodontic services, if Optional Orthodontic Coverage is selected

Benefits Schedule

AFTER THE ANNUAL DEDUCTIBLE THIS PLAN WILL PAY:

High OptionLow Option
TYPE I BENEFITSPreventive Services
  • Exams
  • X-Rays
  • Cleanings
100%
of the Reasonable and Customary
charges
(No Waiting Period)
100%of the Reasonable and Customary
charges
(No Waiting Period)
TYPE II BENEFITSBasic Services
  • Fillings
  • Extractions

80%
of the Reasonable and Customary
charges

(No Waiting Period)

50%
of the Reasonable and Customary
charges

(No Waiting Period)

TYPE III BENEFITSMajor Services
  • Crowns
  • Bridges
  • Dentures
  • Periodontics

50%of the Reasonable and Customary
charges

(After 12-month
waiting period)

50%
of the Reasonable and Customary
charges

(After 18-month
waiting period)

(Optional Coverage)
Applies only to insured dependent children under 19
  • Orthodontic

50%
of the Reasonable and Customary
charges

(After 24-month
waiting period)

50%
of the Reasonable and Customary
charges

(After 24-month
waiting period)

What Is The Cost Of This Plan?

Click Here to view the Dental Plan Bi-Weekly Rates by state​

Click Here to view the Dental Plan Monthly Rates for

Retiree and Associate Members

Click here for a Dental Plan Activation (Enrollment) Form

Insurance

Eligibility

All persons who are dues-paying APWU members in good standing and are actively at work on a full-time basis (at least 20 hours per week) or APWU dues-paying Retirees (including dependents) are eligible to enroll. Associate members, PSE's and Private sector members are also eligible to enroll as long as they are paying dues to the APWU. An eligible dependent is your lawful spouse or domestic partner and unmarried dependent children whom you support up to age 26. (Subject to state variations)

Deductible Amount

The Deductible is shown in the coverage Schedule. The Deductible is an amount of covered dental charges incurred by an insured person before benefits will be paid.

Calendar Year Maximum

The maximum amount payable for all Eligible Dental Expenses in any calendar year is shown in the Coverage Schedule. The Calendar year maximum will apply to each insured person.

Reasonable & Customary

This means a charge that does not exceed the Dentist's usual charge and the usual level of charges being made by other providers of dental services with similar training and experience in the same geographic area.

Waiting Period

The period of time the insured person must be continuously covered under the group policy before the insured is entitled to be reimbursed for covered dental charges. (see Coverage Schedule)

Eligible Expenses

Expenses must be incurred while the Policy is in force and the person is covered by the Policy. To be an Eligible Expense, the dental service must be performed by a licensed Dentist acting within the scope of this license to: (1) render dental services; (2) perform dental surgery (3) administer anesthetics for dental surgery.

Effective Date:Coverage will become effective on the day your activation form and first premium is received and accepted.

Date Insurance Ends: This coverage will end on the earliest following date: when the group policy ends; when the premium is not paid when due; when the member leaves the union; dependent termination reasons: your insurance ends, dependents' insurance ends under the group policy, the person is no longer a dependent, premium is not paid for the dependent; with respect to the spouse, the date the spouse is no longer a legal spouse; or with respect to the children, the date the children are no longer dependent.

Coverage may not be available in all states. The following states are currently excluded from coverage in the Dental Plan:

MT, NH, OR, SD.

Exclusions

We will not pay Dental Insurance Benefits for charges incurred for:

  1. Services which are not Dentally Necessary, those that do not meet generally accepted standards of care for treating the particular dental condition, or which we deem experimental in nature.
  2. Services for which you would not be required to pay in the absence of Dental Insurance.
  3. Services or supplies received by you or your Dependent before Dental Insurance starts for that person.
  4. Services which are primarily cosmetic (for residents of Texas, see notice page section in Certificate).
  5. Services which are neither performed nor prescribed by a Dentist except for those services of a licensed dental hygienist which are supervised and billed by a Dentist and which are for:
    1. Scaling and polishing of teeth; or
    2. Fluoride Treatments.
  6. Services or appliances which restore or alter occlusion or vertical dimension.
  7. Restoration of tooth structure damaged by attrition, abrasion or erosion.
  8. Restorations or appliances used for the purpose of periodontal splinting.
  9. Counseling or instructing about oral hygiene, plaque control, nutrition and tobacco.
  10. Personal supplies or devices including, but not limited to: water piks, toothbrushes or dental floss.
  11. Decoration, personalization or inscription of any tooth, device, appliance, crown or other dental work.
  12. Missed appointments.
  13. Services:
    1. Covered under any workers' compensation or occupational disease law;
    2. Covered under any employer liability law;
    3. For which the employer of the person receiving such services is required to pay; or
    4. Received at a facility maintained by the Employer, labor union, mutual benefit association or VA hospital.
  14. Services covered under other coverage provided by the Employer.
  15. Temporary or provisional restorations.
  16. Temporary or provisional appliances.
  17. Prescription drugs.
  18. Services for which the submitted documentation indicates a poor prognosis.
  19. The following when charged by the Dentist on a separate basis:
    1. Claim for completion;
    2. Infection control such as gloves, masks and sterilization or supplies; or
    3. Local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide.
  20. Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food.
  21. Caries susceptibility tests
  22. Replacement of an orthodontic device.
  23. Duplicate prosthetic devices or appliances.
  24. Replacement of a lost or stolen appliance cast Restoration or Denture.
  25. Intra and extraoral photographic images.

A complete list of limitations and exclusions is provided in the certificate of insurance.

Expenses Incurred

All covered dental services must be provided by, or under the direct supervision of a dentist.

Charges must be incurred by an insured person while he is insured in order to be covered charges:

  • For a crown, bridge, or cast restoration, the charge is incurred on the date the tooth is prepared.
  • For any other prosthetic device, the charge is incurred on the date the master impression is made.
  • For root canal, the charge is incurred on the date the pulp chamber is opened.
  • For all other services, the charge is incurred on the date the services are given.

It's Easy To Enroll

  1. Simply complete the Activation Form. Please make sure you complete all the information requested. An incomplete Activation Form will be returned, resulting in a delay in processing your Activation Form.Click here for a Dental Plan Activation (Enrollment) Form​

  2. Send no money.

  3. Return your Activation form to: The Voluntary Benefits Plan, P.O. Box 12009, Cheshire, CT 06410 or fax to 1-203-754-7847.

If you're not 100% satisfied within the first 30 days after we receive your first premium payment, we'll send you a full refund of any premiums paid during that period and your certificate will be considered never issued. You will be under no further obligation.

Any Questions?

Call the following toll-free number 1-800-422-4492

Please Note

You must notify The Voluntary Benefits Plan of any address change for you, your dependents and/or beneficiaries, and any change in employment and union membership status change, life status change (i.e., marriage, divorce, beneficiary or name change), or benefit changes requested. Notice must be in writing.​

Administered By:

Voluntary Benefits Plan
P.O. Box 12009
Cheshire, CT 06410
Phone: 1-800-422-4492
Fax: 1-203-754-7847

This plan is underwritten by Metropolitan Life Insurance Company, New York, New York. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. 122705.

Coverage may not be available in all states. The following states are currently excluded from coverage in the Dental Plan:

Insurance

MT, NH, OR, SD

Currently Enrolled Dental Plan Members

Dental Plan Certificates

Please click on the Dental Plan Certificate below if you reside in one of the following states (We do not currently have all certificates for all states available at this time, please check back if your Certificate is not currently listed below)

AL, AR, CO, CT, DC, DE, FL, GA, HI, KS, KY, IA, IL, MA, MI, MN, MO, MS, ND, NE, NJ, NV, NY, OH, OK, PA, RI, TN, VA, WI, WY.

Dental Plan Certificate of Coveragewithout Orthodontic Coverage

Dental Plan Certificate of Coverage with Orthodontic Coverage

Please click on the certificate below if you reside in the state of:

California

Dental Plan Certificate of Coverage without Orthodontic Coverage - CA​

Dental Plan Certificate of Coverage with Orthodontic Coverage - CA

Please click on the certificate below if you reside in the state of: ​

Louisiana

Dental Plan Certificate of Coverage without Orthodontic Coverage - LA

Dental Plan Certificate of Coverage with Orthodontic Coverage - LA

Please click on the Certificate below if you reside in the state of:

Washington

Dental Plan Certificate of Coverage without Orthodontic Coverage - WA

Dental Plan Certificate of Coverage with Orthodontic Coverage - WA

Please click on the certificate below if you reside in the state of:

West Virginia

Voluntary Insurance Program

Dental Plan Certificate of Coverage without Orthodontic Coverage-WV

Dental Plan Certificate of Coverage with Orthodontic Coverage-WV

Please click on the certificate below if you reside in the state of:

Idaho

Dental Plan Certificate of Coverage without Orthodontic Coverage-ID

Dental Plan Certificate of Coverage with Orthodontic Coverage-ID

To find our more about your member benefits today, click here.