Do You Have Your Piggyback?
What Is It?
Piggyback is a supplemental program provided by the CCPOA Benefit Trust Fund that helps to offset the out-ofpocket expenses incurred from the usage of your Dental, Vision and Hearing Aid programs.
In short - after you submit a bill, lets say you went to the dentist, whatever charges are not covered with your normal policy go to Piggyback, which helps pay for the difference.
Dental Benefit
Piggyback pays a portion of the fees your dentist charges, after benefits have been paid by your main dental insurance. 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.
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 thirtysix (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.
Orthodontic Care Benefits
Piggyback will pay a 50% benefit for orthodontic care with a family lifetime maximum benefit of $1,000. There is a one year waiting period for this coverage. To be covered, orthodontic treatment must start after the waiting period.
Vision Care Benefit
Piggyback provides reimbursement for the following expenses: Exam co-pay and material co-pay Frame overage, up to $15 per pair, not to exceed six pairs of frames per family per calendar year Maximum vision benefit per family per calendar year is $300 For Retirees not enrolled in VSP vision plan, please refer to the Piggyback SPD for coverage allowances.
