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Changing from Delta Dental to Anthem for Dental Coverage
How do I check to see if my dentist is in the Anthem-Dental Complete Network?
To see if your current dentist is in the network go to:
- Visit: https://www.anthem.com/find-care
- Select “Basic search as guest”
- Under select the type of plan or network, choose "dental plan or network"
- Under Select the state choose Indiana
- Under Select a plan/network choose "Dental Complete". Hit Continue button
- Search based on type of provider or facility, locations near you or by a provider’s name
- View our results and find out about the providers training, languages spoken, location and phone number
If you have trouble navigating the search tool, call 1-877-604-2142
What if I do not find my dentist in the search tool?
Call your dentist office and confirm whether they are in the Anthem-Dental Complete Network. This is also your opportunity to ask them if they would consider exploring joining the Anthem-Dental network.
My Dentist is not in the Anthem-Dental Complete Network. Now what?
While The Heritage Group dental plans provide adequate coverage for out-of-network services, we encourage you to find an in-network provider, when possible, to ensure you are receiving the best possible coverage available through the insurance network from a financial perspective and to avoid any additional billing that can result when going out-of-network.
However, we also encourage you to contact your dentist directly and understand how your dentist has worked with patients in similar circumstances in the past. You can ask them to have a better understanding of cost to expect to be billed for services. You can also ask them to consider joining the Anthem-Dental Complete Network. We encourage you to start these conversations sooner rather than later, so you have time to find a new provider and get in their scheduling queue.
While Anthem will be proactively reaching out to ask your dentist to join the network, we also encourage you to complete the provider nomination form linked here to begin the nomination process.
Why am I at risk for being billed directly from the dentist when using an out-of-network Dentist?
Unlike in-network dentists, out-of-network dentists may send you a bill and collect for the charge that exceeds Anthem’s Maximum Allowed Amount. You are responsible for paying the difference between the Maximum Allowed Amount and the amount charged. This amount may be significant. Choosing a Participating In-Network Dentist will likely result in lower out of pocket costs to you.
Anthem Customer Service is available to assist you in determining the Maximum Allowed Amount for a particular service from a Non-Participating Dentist. For Anthem to assist you, you will need to obtain the specific procedure code(s) from your Dentist for the services the Dentist will render. You will also need to know the Dentist’s charges to calculate your out-of-pocket responsibility. Although Customer Service can assist you with this pre-service information, the Maximum Allowed Amount for your claim will be based on the actual claim submitted by the dentist.
Will I need to present an insurance card when going to the dentist?
Yes, with Anthem you will be required to share your card at point of service. You will receive a new card in the mail from Anthem in the coming months. If you are on the medical plan, you will get a combined medical/dental card. If you take dental ONLY, you will receive an Anthem card for dental. Anthem’s cards are sent in an unmarked envelope.
Where can I find out what is covered under the new plans?
While dental plan deductibles, annual plan maximums, in-network and out-of-network cost share remain unchanged, there are a few changes with the new plans with Anthem. For a comprehensive list please refer to the Summary and Certificate Documents.
How are my current and historical orthodontia benefits impacted?
The lifetime maximum amount of 50% up to $1500 for orthodontia coverage for dependents up to age 19. If you are currently in treatment for orthodontia services and have not yet met the lifetime maximum allowed amount you will be eligible for the remaining balance under the Anthem plan. If you have already met the ortho maximum, you will not be newly eligible under the Anthem plan. For more information on specifics of orthodontia coverage view this resource.
Delta Dental Orthodontic Services
Proper tooth alignment is important not only for a beautiful smile, but also for function. When teeth are aligned, it’s easier to chew and talk. And it’s also important to correct and guide tooth and jaw development as a child grows, to ensure a healthy and functioning smile for adulthood.
What are Orthodontic Services?
Orthodontic services, often referred to as “ortho,” are services, treatment and procedures used to correct misaligned teeth. These services can include braces, retainers, and other orthodontic appliances.
Who is eligible for orthodontic services?
Dependent children up to the age of 19 are eligible.
How much is covered by the plan?
Orthodontic services include a lifetime maximum benefit of $1,500 per eligible dependent. There is no deductible for orthodontic services.
Do I need a referral to visit an orthodontist?
No referral is necessary to visit an orthodontist. To find a participating Anthem orthodontist, go to www.anthem.com or call their Customer Service Department at 1-877-604-2142
How will orthodontic services be paid?
Anthem requires your dentist to submit an orthodontic treatment plan. When orthodontic treatment starts, Anthem will pay a percentage of the total fee. They will continue to make payments based on the type of treatment or until the lifetime orthodontic maximum is reached. Payments will be made quarterly.
How are my current and historical orthodontia benefits impacted?
The lifetime maximum amount of 50% up to $1500 for orthodontia coverage for dependents up to age 19. If you are currently in treatment for orthodontia services and have not yet met the lifetime maximum allowed amount you will be eligible for the remaining balance under the Anthem plan. If you have already met the ortho maximum, you will not be newly eligible under the Anthem plan. For more information on specifics of orthodontia coverage view this resource.
What if ortho treatment has already begun under a different carrier?
If your child is in the middle of an active orthodontic treatment, like having bands placed, Anthem will need you or your orthodontist to mail a copy of the original orthodontia claim to the address listed on the back of your ID card. It should include
- treatment type (procedure number)
- total fee for the treatment
- number of months treatment will take place
- the orthodontist’s signature.
The amount Anthem will pay is based on the number of months of active treatment you have left. Anthem will subtract the amount you’ve already paid, then divide what you still owe by the number of months left in the treatment.
If my child turns 19 while undergoing treatment, will my benefits continue?
Yes, if the child has been banded prior to age 19.
How can I find out what is covered under my plan?
For more information on what’s covered by the plan, please refer to the Summary of Dental Plan Benefits and Certificate. (will have this to attach later. Will need to update copy.)
Fertility and Family-Focused Benefits from Carrot
Carrot offers comprehensive, confidential and affordable reproductive health care benefits - up to a $20,000 lifetime max - including fertility, adoption and more.
What is Carrot?
Carrot is our trusted provider of fertility and other reproductive health services. New in 2023, this benefit reflects our company’s focus on family, providing financial assistance (a $20,000 lifetime maximum) for eligible care and services. These can include (but are not limited to): egg or sperm preservation, in vitro fertilization, adoption, surrogacy and donor assistance.
What is Carrot Rx?
Carrot Rx fills prescriptions and delivers supplements and vitamins that have been recommended by a provider.
This service offers:
- Savings on fertility medications, plus the ability to order prescriptions for 1–2 weeks of your cycle at a time
- Convenience of free, same-day and next-day delivery of fertility medications
- Clear instructions, educational content and personalized support.
Members may also use Carrot funds at any pharmacy.
Why would I access Carrot benefits?
With comprehensive, confidential and affordable reproductive health care benefits from Carrot, you can embark on the journey to start or expand your family in your own way, in your own time. Carrot will also reimburse travel expenses for reproductive health procedures not covered by insurance, including elective abortions, that require travel in excess of 75 miles one way.
Who is eligible for Carrot benefits?
Any benefits-eligible employee (who is covered by an employer-offered health plan [ours or spouse’s or domestic partner’s]) may receive expert assistance and services from Carrot. Covered dependents are not eligible for family-focused care and travel expense reimbursement
How do I get started?
First, get acquainted with Carrot. Review your Carrot Benefit: Plan Summary (on your Total Rewards & Benefits Portal > Benefits.) to learn about eligible care, services and support. Then, when you’re ready to start the journey and create a Carrot Plan, visit get-carrot.com/start.
What is a Carrot Plan?
Developed by your Carrot Care Team, it’s a set of personalized recommendations to help you navigate your journey.
Who is the Carrot Care Team?
Two types of experts who can support you:
- Care Navigators, who can help you make the most of your benefit (note: they cannot answer medical questions)
- Specialists, who offer education on fertility health and starting or expanding a family
Can I use Carrot without a Carrot Plan?
Yes. You can get to know Carrot and browse online educational resources without a Carrot Plan.
Form W-2
When will I receive my Form W-2?
Form W-2s are required to be distributed by January 31. If January 31 falls on a weekend, the following Monday is the deadline. Please wait to contact the HR Shared Services team with inquiries about paper Form W-2s until mid-February. Remember that you can download an electronic copy of your Form W-2 any time.
How can I obtain an electronic copy of my Form W-2?
You can download an electronic copy of your Form W-2 through Ceridian's website. For step-by-step instructions, log in to Employee Self-Service and click the Payroll tile then click the W-2 Reporting tile.
Why doesn’t my Form W-2 Wages and Compensation match the gross amount on my last paycheck of the year?
Not all earnings that you have been paid are taxable. Your total earnings are reduced by 401(k) contributions and certain elected benefit contributions to determine the amount that is taxable. Your Form W-2 Box 1 Wages, Tips and Other Compensation is your taxable income.
Can I use my last paycheck of the year to file my personal income taxes?
Employees should use an employer-issued Form W-2 rather than a final paycheck to complete their tax return. This will ensure that any necessary adjustments have been made and the Form W-2 will show the final taxable earnings amount.
Can I access Form W-2s from prior years?
Yes, all documents from the last seven (7) years are available through the system. Select the appropriate year from the drop-down menu to view documents available for each year.
Can I request an electronic copy of my Form W-2 be emailed to me?
No. A copy of your Form W-2 will be mailed to you or you may download an electronic copy yourself. Over the last few years, fraud has been on the rise. The Form W-2 contains personal identifiable information, such as your Social Security Number. We do not email sensitive documents that put our employee data at risk.
How can I safeguard my information once I have downloaded It?
Remember that Form W-2 contains personally identifiable information and should be protected. It is not recommended you download the form on a shared or public computer or network. Once downloaded, log out of Ceridian, close your browser, clear your browser history, and be sure to store the document in a protected area. If you must email it for any reason, be sure to password protect the document before sending. Store all personal documents safely and securely
What do I do if I have trouble downloading my Form W-2 or if it is not appearing in the system?
If you have questions or experience issues with the W-2 download process, please contact [email protected] or call 800-303-0408.
One Heritage Fund Grant
What is the ONE Heritage Fund?
It was created to help employees who are facing financial hardship immediately after a natural disaster or an unforeseen personal hardship. The ONE Heritage Fund relies primarily on individual donations from employees and support from The Heritage group to fund this program. Every contribution helps and when combined with the donations of others, can provide a taxfree grant to help a fellow employee in need when they are facing the unexpected.
Who can apply for assistance from the fund?
Applicants must be:
- Employed by The Heritage Group or its affiliates on the date of the application
- Regularly scheduled to work 10 or more hours per week: or
- On approved medical leave or an approved leave of absence for no more than one year
How large of a grant can I apply for?
The maximum amount available for each incident is $5,000 and the minimum amount that can be requested is $500
What are the criteria to qualify for a grant?
While there are many factors which determine if a grant can be made, the review process is designed to try to make each grant when possible. To meet regulations, the objective review process is complex so the simplest first step is to determine if your situation meets the most basic criteria by answering the follow questions:
- Did one of the funds events in the chart below happen to you?
- Would your application meet the following general criteria? a. Are you applying within 180 days after the Event? b. Application submissions are limited to 1 every 12 months. c. If an application is not approved, you must wait 6 months before reapplying.
- Did you have one or more of the Expenses related to the Event that’s part of the fund criteria in the chart below?
- Do you have the documentation for the Event and Expenses which provide the necessary details such as date of the expense, person responsible for bill and other details listed in the application?
- Is the event documentation within 60 days of the Application date?
- While there are some additional criteria, applications that do not meet these basic criteria cannot be approved.
The Qualified Events/Expenses Matrix below is a complete listing of Events and Expenses. The Expenses which are eligible depend on which Event occurred and the “√” indicates which expenses are associated with each Event.
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