1. 2019 Dental and Vision Benefits Open Enrollment
May, 2019

2. Why the change to Sun Life for Dental and Vision benefits?
As is the case at all benefit renewals, a comparative analysis was completed of the value of the dental and vision benefits currently offered with the cost associated to offering those benefits.
Sun Life presented a dental and vision option for comparable coverage that is less expensive overall than the current dental and vision coverage and considerably less expensive than the proposed renewal.
You are only required to complete an enrollment form if you wish to make a change in your current dental and/or vision benefits.

3. Dental Renewal Topics
On 6/1/19, the new benefit year for dental benefits begins with Sun Life as the provider
The dental plan deductible for employee only coverage is $25 – one half of the previous deductible. The deductible for other coverage is a combined total of $75.
As an encouragement to receive preventive services, charges for these services are not applied to the annual maximum benefit of $1,000 per covered individual.

5. Vision Renewal Topics
On 6/1/19, the new benefit year for vision benefits begins with Sun Life as the provider
You will continue to use the VSP vision network. The in network benefits remain the same as last year.
Should you use out of network service, the reimbursement amounts are higher with the Sun Life plan.
As a reminder, in network services are always delivered at a higher value than out of network services.

7. Disclaimer
This presentation provides information concerning relevant statutes, rules or regulations and is available for internal use only and under appropriate circumstances, for external use.
The presentation is a product of the services provided by McGriff Insurance Services Inc., BB&T Insurance Services of California, McGriff Seibels & Williams, Precept, consulting arm Careplus or any affiliates.
Information presented here is relevant with respect to current services and current statutes, rules or regulations as of the date of this presentation. Future rules may include clarifications, technical corrections or guidance on complex issues, and as required. Moreover, these may change the content of the information presented or alter the answers to questions posed.
In particular, it should be noted that Guidance on many aspects of the Affordable Care Act (ACA) are outstanding and new guidance may be forthcoming.
New guidance may have an impact as well on governing benefits legislation such as ERISA and the compliance services our affiliates provide.
Our presentations are intended to provide general information. This does not constitute legal or tax advice. To ensure compliance with IRS requirements, any discussion of U.S. tax matters contained herein is not intended and cannot be used to avoid IRS penalties. This material is therefore for informational purposes only.
Employee Benefit and health care insurance compliance decisions should be made only after thorough and careful consideration and in the case of clients, only after discussion with clients’ own counsel, including tax counsel, or tax or other advisors.
Compliance decisions are the sole responsibility and obligation of the client.
Insurance products and services are offered by McGriff Insurance Services, Inc. , CA License # 0C64544, (and its subsidiaries), McGriff Seibels & Williams, Inc., CA License #0E83682, BB&T Insurance Services of California, Inc, CA License # , Precept Insurance Solutions, LLC, CA License # , ProView Advanced Administrators, LLC, CA License # and consulting affiliate CAREPLUS.