Benefit Program

Members have access to a wide range of benefit programs most of which can be purchased at discounted rates. Our approach is to adopt quality programs that not only address member needs but also provide value.

The following is an outline of benefits currently available. If any of these are of interest to you, contact the plan administrator at their telephone number or email address indicated or check out their web sites. You should, of course, call a RPEA Member Services Representative if you need clarification. They can be reached toll free at (800) 726-7732 or in the Albany area at (518) 869-2542.

Dental Plans

GHI “Preferred”

This is an insurance program that provides coverage for an individual member; member and spouse; or member, spouse and children.

It provides paid-in-full benefits for covered dental services with no claim form to file, after you meet the $25 calendar year deductible per person, if you use a GHI participating provider. If you prefer to use your current dentist who is not a GHI participating provider, you pay the dentist and submit a claim to GHI for reimbursement of covered expenses using the GHI Preferred fee schedule. There is a $1,500 cap on annual coverage for each person.

Special prosthetic coverage (bridges, crowns, etc.) may be available at additional cost.

Note: GHI “Preferred” members and their households are also automatically enrolled in the Eye Med Vision Care discount vision plan at no additional charge.

To obtain an informational brochure including fee schedule, rates and enrollment details, call our plan administrator, USI Affinity at (800) 487-8004 or RPEA Member Services Unit in Albany at (518) 869-2542 or (800) 726-7732.

 

CIGNA

This is a HMO dental plan with low, pre-set patient charges for visits to a nationwide network of dentists and, upon referral, dental specialists. Cigna enrollees are provided free access to Cigna’s Identity Theft Program, which covers all types of identity theft

To obtain an informational brochure including patient charges, rates and enrollment details, call our plan administrator, USI Affinity at (800) 487-8004 or RPEA Member Services Unit in Albany at (518) 869-2542 or (800) 726-7732. 

Our CIGNA Dental HMO plan does not have an annual cap or deductibles.

Dental Pay Direct

This is a low-cost discount dental program available to members and their households at a nationwide network of participating dentists. A free vision savings plan, VSP, is included with the dental plan.  Annual membership fees are: $65 member only, $115 member plus one and $145 member plus 2 or more.

Call our plan administrator for Dental Pay Direct, ProBenefits Administrators at (888)683-3682 for more information including a list of participating dentists in your area. Information about Dental Pay Direct is also available at: www.probenefitsadmin.com

 

Long-Term Care Insurance

Members receive a significant discount when purchasing long-term care insurance through our plan administrator, the National Corporate Benefits Administrators (NCBA).  Working in conjunction with New York Long Term Care Brokers, a wide range of policies with major insurance companies are available that cover skilled, short-term and custodial care in nursing homes as well as at home; in assisted living facilities and adult day care facilities.

Call our plan administrator, NCBA at (888) 376-6020 and ask for their RPEA Help Desk for more information. Our representatives at NCBA will answer your questions and provide essential information without the sales pressure often associated with long-term care insurance.

Homeowners, Renters, and Automobile Insurance

RPEA has partnered with Liberty Mutual to offer our members special discounted rates on Auto, Home and Renters Insurance.  Find out more and get a free quote from Liberty Mutual.

Find out more and get a free quote from Liberty Mutual.  New York State residents can contact Christin Zorda, 888-443-7548 Ext.51748, or Christin.Zorda@LibertyMutual.com

Members residing outside of New York State can contact Liberty Mutual at (800) 526-1547. Your call will be routed to an agent in your area for more specific information. Be sure to give them the RPEA client #7573

Liberty Mutual information is available on the Internet at www.libertymutual.com/rpea

Discounts and savings are available where state laws and regulations allow, and may vary by state.  To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

 

FamilyAssistNet™

A unique discount plan that may save you and your immediate family 10%-15% on home care costs. There are NO health or age restrictions. There is no waiting period and the annual fee is only $99.

Call our plan administrator, National Corporate Benefits Administrators (NCBA) at (888) 376-6020. Ask for their RPEA Help Desk for more information.

Medicare Supplemental Insurance

There are several plans available that secondary coverage for Medicare eligible members for hospital, medical and other services.  These plans are designed for persons who do not have any other heath insurance coverage.  Call our plan administrator, NCBA at (888) 376-6020 for more information.

Hearing Instrument Plan

Members are eligible to participate in this plan provided by “Hear in America.” By using this plan, members and their families considering the use of hearing aids can be assured of receiving an honest evaluation of their needs. If hearing instruments are needed, they will be provided by Hear in America’s associated providers at discounted prices. Access to this plan is free to RPEA members.

If you are an Empire Plan member, Hear in America coordinates with the Empire Plan. This includes no upfront payment when hearing aids are ordered.

Detailed information is available from Hear in America at (800) 286-6149 or (866) 904-0845.  Information is also available on the Internet at www.hearinamerica.com.

 

Vision Care

Spectera

This is an insured plan in which you pay an annual enrollment of $125 per person, a $25 co-pay for most frames and a $10 co-pay for an eye exam. Services are provided through Spectera, a nationwide network.

Call our plan administrator, NCBA at (888) 376-6020 and ask for their RPEA Help Desk for more information.

Information on “Spectera” including providers in your area is available on the Internet at www.spectera.com. Choose “future member” under the “provider locator.”

EyeMed Vision Care

Members of this plan and their household receive a discount on eyeglasses at participating providers from a nationwide network. There is an annual enrollment fee of $21.85.

Note: MEMBERS OF THE GHI PREFERRED DENTAL PLAN ARE AUTOMATICALLY ENROLLED IN THIS PLAN WITHOUT THE FEE.

EyeMed Vision Care providers in your area are available on the Internet at www.eyemedvisioncare.com Under “Locate a Provider”  Enter the network name which is Access and your zip code.

Call our plan administrator, USI Affinity at (800) 487-8004 for more information or to locate a provider in your area.