Supplemental Insurance Benefits
REAOC members are eligible to purchase dental and/or vision insurance through two sources, Pacific Group Agencies, Inc. and through the Orange County Employees Association (OCEA). Members are encouraged to obtain and read details on all plans before making a decision.
New retirees may also continue their present coverage through COBRA. If you need assistance with your COBRA benefit, contact Employee Benefits (the plan administrator) at (866) 325-2345 for COBRA details.
Pacific Group Agencies, Inc. provides REAOC members with a variety of supplemental benefits including dental plans and vision coverage. Additional discount and savings programs are available through Amplifon Hearing Health Care and Pacific Group Agencies’ Best Benefits Saver Plan. Other supplemental benefits available for REAOC members through Pacific Group Agencies include pet insurance, travel protection, and identity theft shield, etc.
As a member, you have access to two distinct types of dental plans, a PPO and an HMO. Both types are comprehensive and cover procedures including cleanings, X-Rays, fillings, periodontal issues, crowns, dentures, and implants. The main difference is how the plans work.
PPO Plans are popular as they allow you to use any dentist. Your dentist does not need to belong to a certain network. Specialist referrals are not needed. You are also free to switch dentists at will.
HMO Plans use a network of highly qualified dentists that are pre-screened and thoroughly evaluated prior to their acceptance in the network. You must use one of these dentists. You may not use a dentist unless they belong to the network. Specialist referrals are needed and will be provided by your primary dentist.
MES Vision Plan – this full-service Medical Eye Services (MES) PPO vision plan, you may see any provider nationwide, but if you use one of the MES network providers, you will receive the highest benefits at the lowest costs. The MES Network not only has thousands of individual providers, but it also includes many Lenscrafters, Wal-Mart, Sam’s Club, Target, Costco, and Sears locations. MES also allows members who wear contacts to save additional money to ordering the contacts online.
Please contact Pacific Group Agencies, Inc. at 800-511-9065 or www.pgagencies.com for more information or click on the link below for more detailed information.
830 N Ross St
Santa Ana, CA 92702
HMO Dental Plan – OCEA administers the DeltaCare CAM42 dental plan for REAOC members. This plan is an HMO dental plan under which you must select from a list of participating dentists. This plan provides most preventive and diagnostic services at no charge and requires co-payments to the dentist for a variety of other dental procedures. There is no deductible, calendar year maximum, or waiting periods for major services. This plan is only available within California.
VSP Vision Plan – OCEA also administers a vision plan (VSP) for REAOC members. VSP Vision Plan enables you and your eligible dependents to select a doctor from a provider list and pay nominal co-payments for vision services and materials.
Please contact OCEA at 714-835-3355 or www.oceamember.org for more information or click on the link below for more detailed information.