Dental Insurance (Humana)

DENTAL INSURANCE
Vendor:  Humana
Customer Service: 1-888-393-6765
Website:  www.humana.com
Group number: 841365

LSU partners with Humana to provide you and your family with valuable dental coverage at affordable rates. There are two options - basic plan and an enhanced plan. You may select coverage for yourself, your spouse, and/or your child(ren). Children are eligible for coverage up to age 26. If you and your spouse are both LSU employees, only one of you may enroll in family coverage. 

To search for a provider, please visit Humana webpage and click on "Shop for Provider - Find a Provider." You will enter in your zip code, select coverage type PPO and Network PPO/Traditional Preferred.

Basic Plan
The Basic Dental plan is designed with two goals in mind: 1) to promote good dental hygiene through preventive care and 2) to provide you with the dental care you need at a low cost. The plan will cover a percentage of usual and customary (U&C) charges, including 100% of preventive claims. All in-network dentists have agreed to honor the negotiated rates; however, out-of-network dentists may charge more, leaving you with additional out-of-pocket expenses. The basic plan has an annual deductible of $50/person up to $150 family for basic and major services. 

Enhanced Plan
The Enhanced dental  plan offers comprehensive dental coverage in an easy-to-use format. The plan will cover a precentage of usual and customary (U&C) charges, including 100%% of preventive claims. All in-network dentists have agreed to honor the negotiated rates; however, out-of-network dentists may charge more, leaving you with additional out-of-pocket expenses. Orthodontia is also included in the enhanced plan, making it a good choice for families with more extensive dental needs. The enhanced plan has an annual deductible of $50/person up to $150/family for basic and major services. 

Learn about your Dental Benefits
1) Read about it in the 2023 Benefits Booklet.
2) Click here to view the Certificate of Coverage for the Enhanced dental plan.
3) Click here to view the Summary for the Enhanced dental plan.
4) Click here to view the Certificate of Coverage for the Basic dental plan.
5) Click here to view the Summary for the Basic dental plan.

Premiums 
Monthly premiums are listed below. Dental Premiums will be deducted on a pre-tax basis.

             2024 MONTHLY PREMIUMS (12-month employee)

             2024 MONTHLY PREMIUMS (9-month employee)

ENROLLMENT / Change Form
Employees should make all changes in Workday.  Retirees can Click here for the enrollment / change form.

Employee Eligibility
Any active employee of LSUS is eligible for dental insurance provided the following:
Employed at 75% of full-time effort or greater (at least 30 hours per week);
Appointed for a duration of at least one semester or 121 days or greater Enrollment

Dependent Eligibility
- The covered employee's legal spouse
- A child from the date of birth up to 26 years of age (regardless of student status or tax status)

New Hires and Mid-Year Changes
New Hires must complete an election form within the first 30 days of employment. 
Mid-year changes are allowed for IRS "qualifying events" within 30 days of the event. Qualifying events are: change in family status (birth, marriage, divorce, legal separation, change in employment status of employee or spouse), changes required by judgment, FMLA qualified leaves of absence, significant cost or coverage changes.  Proof of the qualifying event is required in order to make a mid-year change. All changes must be completed in Workday.

Effective Dates of Coverage
The effective date for new hires is the first of the month following a full month of employment. For example, a person who is hired on August 20th, and elects coverage within the first 30 days of employment will have coverage begining October 1st. All elections must be completed within the first 30 days in Workday.

COBRA
Terminating employees have the option to continue dental benefits through COBRA. The COBRA vendor is BRI COBRA. Their phone number is 866-996-5200. Their email address is participantservices@benefitresource.com.

Continuing Coverage as a Retiree
Dental insurance is eligible to be continued into retirement. Retirees pay premiums directly to BRI COBRA (they handle retiree billing). Retirees are not eligible to add this insurance after they retire.