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1. Who is the City’s Vision, Dental and Life Insurance Provider?

Guardian Insurance

2. What Services are covered under the city’s plan?

Guardian Summary of Plan

3. How do I enroll in vision, dental and life insurance?

Complete a Guardian Enrollment/Change Form within 30 days of a qualifying life event or during Open Enrollment

4. How much Life Insurance does the city provide?

Our Basic Term Life Amount is $75,000, however there is a reduction of Basic Life Insurance based on age:

If an employee is less than age 65 when his or her insurance under this plan starts, his or her insurance amount is reduced, on the date he or she reaches age 65, by 35% of the amount which otherwise applies to his or her classification and/or option. But in no case will such reduced amount be less than $1,000.00

The preceding reduction also applies to an employee’s initial insurance amount if his or her insurance starts after he or she reaches age 65 but before he or she reaches age 70.

If an employee is less than age 70 when his or her insurance under this plan starts, the employee’s basic life insurance amount is reduced, when he or she reaches age 70, by 50% of the amount which otherwise applies to his or her classification and/or option. But in no case will such reduced amount be less than $1,000.00.

The preceding reduction also applies to an employee’s initial insurance amount of his or her insurance starts after he or she reaches age 70.

5. How do I enroll in or drop dental or vision coverage?

Complete a Medical Mutual and/or Guardian enrollment / change form during the hiring process or during Open Enrollment

6. Do I have to enroll in dental and vision coverage?

No, employees that have the option of receiving health insurance from a spouse’s employer or another offered plan and who choose to “opt out” of the City’s healthcare insurance shall be compensated as follows:

Eligible for FAMILY coverage but waive ALL coverage - $250
Eligible for FAMILY coverage, but choose SINGLE coverage - $150
Eligible for FAMILY coverage, but choose ONLY DENTAL/VISION - $225
Eligible for SINGLE coverage, but waive ALL coverage - $110
Eligible for SINGLE coverage, but choose ONLY DENTAL/VISION - $100

7. When Can I make changes to the dependents on my dental or vision plans?

When one of the following events happens; Marriage, Divorce, Birth or Adoption of a Dependent, Spouses loss of coverage through their employer, or Death of a Spouse or Dependent

8. When will I receive a dental/vision identification card?

After you have completed the medical plan enrollment process with Human Resources. You should expect to receive your card approximately 1-2 weeks after you enroll. Replacement cards can be ordered online by signing into your Guardian account at www.GuardianAnytime.com

9. What is our plan year?

March 1st – February 28th (29th)