The E-Z Choice program offers group dental, group life,
long term disability, and short term disability. According to a press release,
recent enhancements to the E-Z Choice products include three comprehensive core
dental plans; increased plan maximums for short term disability; and,
three-year rate guarantees on life and disability plans. Contribution levels
can be tailored from fully employer-paid to fully employee-paid.
The E-Z Choice three core dental plans with plan maximums
set at $1,000, $1,200, and $1,500 have no deductible on Type 1 expenses; a
Maximum Carryover Benefit Account; covered oral cancer screening, implants, and
sealants; and a vision discount card. With the free vision discount card
program, employees save on procedures, glasses, and contacts when they visit
participating retail vision providers.
Once a core dental plan is selected, coverage can be
customized further with optional benefits like coverage for orthodontics;
adding PPO for access to national and regional provider networks and discounts;
and upgrading to a fully-insured vision insurance plan, the announcement said.
E-Z Choice short term disability (STD) plans can be
offered with a benefit duration of 13 or 26 weeks and maximums as high as
$1,500. A progressive approach to rehabilitation combines early intervention
through flexible claim notification, nurse case consultation, vocational
rehabilitation, Social Security assistance, and online case management.
The E-Z Choice long term disability (LTD) plan benefit is
60% to a maximum of $6,000 with the choice of a 60-day, 90-day, or 180-day
elimination period. All plans include a partial disability benefit,
rehabilitation benefit, survivor benefit, premium waiver, and a partial benefit
for pre-existing conditions.
An optional Employee Assistance Program (EAP) can be
added to any disability or group life plan.
E-Z choice customers have access to online plan
administration tools including viewing and paying bills; managing user access;
updating member information; ordering dental ID cards; viewing plan
certificates; downloading forms and administration guides; and emailing Sun
Life in a HIPAA-compliant environment. Employees can also use online tools to
find dental providers; view online explanation of benefits; estimate the cost
of dental procedures based on zip code; and learn about the link between oral
health and overall health with educational materials. Many features are
available in Spanish.