The CCPOA Benefit Trust Fund has a special Piggyback program for Retired members.
Piggyback is designed to save participants money on their dental, vision, and hearing aid out-of-pocket expenses.
Piggyback helps with the out-of-pocket expenses incurred from your dental, vision, and hearing aid programs.
For Retired members, Piggyback pays you back for expenses you initially pay for covered services. By submitting a timely claim to the Trust, you will receive a reimbursement for covered expenses. There is a maximum dental benefit per family per calendar year of $2,000.
The Trust eliminated the annual Open Enrollment for Piggyback. Now you can enroll throughout the year in Piggyback if you want to sign up for Piggyback.
Because the Trust knows many Retired Members have young families, an orthodontic benefit has been added to the Retired program. There is a one-year wait from the time you enroll in Piggyback until you are covered for this benefit- check with the Trust for limitations. Piggyback will pay a 50% benefit for orthodontic care with a family lifetime maximum benefit of $500. To be covered, treatment must begin after the waiting period.
Vision Care Benefit
Piggyback provides reimbursement for the following expenses:
Piggyback pays a portion of the fees your dentist charges, after benefits have been paid by your primary dental program. The charges submitted for reimbursement must be for services specified in the Summary Program Description (SPD). Dental deductibles are not eligible for reimbursement. The maximum dental benefit per family per calendar year is $2,000.
The CCPOA BTF recommends that you request a pre-authorization for dental service when the treatment plan exceeds $300. Ask your dental office to submit a written proposed treatment plan to the CCPOA BTF for approval.
Orthodontic Care Benefits
Piggyback will pay a 50% benefit for orthodontic care with a family lifetime maximum benefit of $500. There is a one year waiting period for this coverage. To be covered, orthodontic treatment must start after the waiting period.
Hearing Aid Benefit
Provides reimbursement to you for a portion of the charges for a hearing exam and hearing devices on a fee-for-service basis. Piggyback will reimburse fifty percent (50%) of the expenses incurred for the examination and fifty percent (50%) of the expenses incurred for the hearing device(s) once every thirty-six (36) months, with a family maximum of Five Hundred Dollars ($500.00). The hearing device(s) must be purchased within 90 days of the hearing test in order to qualify for this benefit. Battery replacement, repairs and maintenance of hearing device(s) are not covered benefits.
Who’s Eligible for Piggyback?
Here is an example of how Piggyback works
|This is only an example of coverage. Example based on Delta Dental benefits and assumes you use a Delta Dental provider and have met your deductible.|
|Dental benefit used with CCPOA Primary Dental Gold Crown (procedure 2790):|
|CCPOA allowable charge||$800.00|
|Primary Dental pays
80% of CCPOA
|Piggyback pays 20%||$160.00|