BenefitsMagic — Escalations

Tobias G. Escalation Delta Dental PPO

Tobias G.Does our dental plan cover cosmetic orthodontics for my daughter? She's 14 and wants Invisalign.

Here's how orthodontia coverage works on your plan:

Medically necessary orthodontia is covered.Dependents are eligible up to age 19 at 50% coinsurance, up to a $2,000 lifetime maximum.Delta Dental PPO SPD - §4.2
Purely cosmetic treatment is not covered.Many Invisalign cases still qualify as medically necessary once an orthodontist evaluates them.Delta Dental PPO SPD - §4.2
Submit a pre-treatment estimate.Your orthodontist sends this to the carrier before treatment starts. It should include:
- diagnosis and treatment plan
- estimated length of treatment
- itemized cost breakdown
2026 orthodontia rider

Tobias G.How do we find out if her case counts as medically necessary? I don't want a surprise bill.

That determination is made by the carrier from the pre-treatment estimate, not by the orthodontist alone — so the estimate is what protects you from a surprise bill.

Tobias G.I'd rather have a person confirm the pre-authorization steps before we book anything. Can you send this to the benefits team?

Sent — your benefits team has the whole conversation and will reply here.

Anonymous Employee Escalation Identity withheld

AnonymousHi, I just had a baby girl last week, a few weeks early, and I need to add her to my plan. What’s the deadline, and what do I need to send in? The hospital gave us a stack of paperwork and I’m not sure which of it you need. Sorry if this is obvious, I’m running on about two hours of sleep.

Congratulations! A new child is a qualifying life event.

You have 30 days from the date of birth.Coverage is retroactive to her birth date.Eligibility policy - v4
What you'll need.Her name, date of birth, and — when available — her Social Security number.Qualifying life-event guide

AnonymousWhat if I don't have her SSN yet? It hasn't come in the mail.

You can enroll her now without it and add the SSN later.Eligibility policy - v4

AnonymousI want someone to confirm that won't hold up her coverage. Please send this over — but leave my name off it.

Sent without your name. Your benefits team sees this conversation, but not who you are.

Amanda R. Escalation Anthem Blue Cross PPO

Amanda R.Quick question — when does open enrollment close this year? I want to switch plans.

Open enrollment for the 2027 plan year is open now and closes soon, with elections effective Jan 1.2027 open enrollment

Amanda R.Before I switch I'd like someone to walk me through how the HDHP and the EPO compare to my PPO. Can you pass this along?

Sent — I've passed this to your benefits team.

Sarah M. Escalation Anthem Blue Cross PPO

Sarah M.Can I add my domestic partner to my medical coverage? We’ve lived together for three years but aren’t married, and his job’s insurance ends at the end of next month, so I’m trying to figure out the timing before he loses it. Is there paperwork we have to file first, or can I just add him in the portal?

Yes — Acme covers registered domestic partners.

Step	Deadline
Domestic partner affidavit	Within 30 days of a qualifying event
Otherwise	Wait for open enrollment

There may be a tax implication on the partner's coverage, which your benefits team can explain for your situation.Imputed-income note

Sarah M.Can you send this to them? I'd like to know what the tax piece means for my paycheck before I file the affidavit.

Sent — your benefits team will pick it up here.

Marcus T. Escalation Hinge Health

Marcus T.Is Hinge Health covered for my chronic back pain?

Yes — Hinge Health is included at no cost for members with chronic muscle and joint conditions, including back pain. It's app-based physical therapy with a personal coach.Vendor summary - Hinge Health

Marcus T.Has anyone here actually used it? I'd rather hear from a person before I sign up for something.

Adding to that — you can enroll directly at hinge.health/acme with your work email. Took my team about five minutes. Hope it helps, Marcus.

David K. Escalation WEX FSA

David K.How do I get reimbursed from my FSA?

Submit an itemized receipt through the WEX member portal or app under "File a claim." Most reimbursements process within 3–5 business days to your linked bank account.Employee Handbook - p20

David K.Can someone check I'm doing this right? I had one rejected last year and never found out why.

That's right — and keep the itemized receipt, not just the credit-card slip. Marked this resolved.