Mon BOE chewing over dental plan: Board weighing alternatives for employees
Thursday, November 19th, 2009-Monongalia County School’s Board of Education has tabled changes to the dental insurance plan until more research can be done.
The BOE made its decision Tuesday, after it received more information about possible changes.
The members learned about joining a Preferred Provider Organization, updating the policy and changing to a usual and customary rate.
But BOE President Nancy Walker said they wanted to have the whole policy reviewed, instead of making changes over of several months.
“I’d prefer to do this once and not come back,” she said.
Walker said she would like to see the exact plan before making any changes. She has also spoken to her dentist and several procedures the plan covers are outdated.
Walker said she wants board members to look at what exactly they are covering.
The discussion comes on the heels of a board vote to reverse changes made to the dental plan.
On Sept. 22, the board approved changing the way dentists made charges.
The vote was not on the agenda and was brought up during discussion of increasing benefits in the employees’ vision plan.
Employees receive a $1,500 allotment for their dental coverage, Superintendent Frank Devono said.
For example, if an employee receives a teeth cleaning that costs $100, he or she would have $1,400 to pay for other procedures.
Amber Zackery, co-president of the Monongalia County Education Association, said she was happy the board said it made a mistake and rescinded the vote.
She thought that vote overshadowed the good news about the increase in optical benefits approved at the same meeting.
The organization is going to try to work with the administration to determine the best benefit plan for its employees, Zackery said.
She said she doesn’t oppose changes to any insurance package, as long as it benefits the workers.
The board was informed of two possible changes it could make. The first was switching to a Preferred Provider Organization (PPO).
With the switch, there would be no coverage changes and enrollees could visit any doctor, said Robyn Dilley, of American Benefits, administrator for the board’s policy. But employees who visit a dentist in the organization would receive a discount on the procedure’s costs.
The board decided against joining any organization without more research.
It also learned about usual and customary rate. Dentists are surveyed about a procedure’s cost and a maximum amount set that the insurance would pay for a procedure.
The patient would pick up any costs over the rate.
Of the more than 10,000 preventive care claims in the past year, Dilley said, more than 3,000 would have been over the rate.
But nearly 2,400 were $10 or less over the rate. She said many dentists don’t bill that small of an amount because it isn’t worth the time to recoup the money.
Devono said if they do make changes, board members would like to use the savings to improve the dental plan, either by increasing an employee’s allotment or by offering coverage on different procedures.
Board member Barbara Parsons said she would like them to look at their insurance policies every year to see if they need updating or changing.
“This isn’t something you can do overnight,” she said.
Credit: The Dominion Post, Morgantown, W.Va.


