UB Benefits

Accounts

Delta Dental of New York

  • Enrollee id: 4512048
  • Group number: 00165-00803

Checklist

  • Enroll using PS404 (enrollment site)
    • [done] ZD Social security card
    • [done] ZD Birth certificate
    • [done] ZDCP Marriage certificate
    • [done] CP Social security card
    • [done] CP Birth certificate
    • [done] ZDCP Proof of joint financial obligation
  • Enroll in MyNYSHIP (after choosing health care plan)
  • Enroll in retirement plan
  • Zuz TODO:
  • Do later
    • Look into UUP payroll deduction home, auto insurance
    • 403(b) enrollment www.retirementatwork.org/suny
    • Set up a flex spending account for our estimated healthcare needs (it saves us paying taxes on those expenses)
      • Locate existing HSA balances from previous employers and roll them over
    • In October, enroll in productivity enhancement program to convert vacation days into healthcare premium credit (2019 enrollment form

Good to know

  • Union dues are tax-deductible
  • Adoption benefits (Family leave / Work-Life services)
  • $6k automatic life insurance benefit (details)
  • Long-term disability and long-term care insurance (details)
  • Vision care (details). Davis Vision plan is the only choice. No premium. One eye exam, one pair of glasses per year.

Proposed decisions

  • Health insurance (details)
    • Options:
      • Empire plan PPO: Monthly family cost $450. Worldwide network (HMOs are geographically-limited) $25/visit mental health.
      • BlueCross BlueShield HMO: Monthly family cost $405. Lower copayments for routine care. Worldwide coverage. $500 wellness debit card for massages, health food, etc. $10/visit mental health.
      • Independent Health Association: Monthly family cost $380. Lower copayments for routine care. $20/visit mental health.
    • Proposal: Empire plan and BlueCross BlueShield both look good, seem to have a lot of providers.
  • Dental care (details)
    • There is no premium for either choice.
    • Options:
      • Dental PPO: 100% of diagnostic and preventative, down to 50% for major work. $3k max per year. Choose any dentist in US.
      • Dental HMO (DeltaCare USA): Generally lower copays but must go in-network. When I searched for the highest-rated local dentists none of them were part of the HMO plan.
    • Proposal: PPO
  • Retirement plan
    • Options:
      • Defined benefit (pension) options: ERS & TRS. Very similar, leaning toward ERS for better sabbatical credit
      • Defined contribution: ORP. Leaning against. Guaranteed pension provides a backstop; we can make higher-variance (more risk, more reward) investments elsewhere.
    • Proposal: Choose ERS.

Getting ahold of records

  • 2020-09-25 PLaced order with VitalChek for a copy of our marriage certificate. Received an email back saying that there was a problem and I needed to call.
  • 2020-09-28 Called San Mateo County Clerk, left a message with Vital Records. 650.363.4000.