Section VII: Dental Coverage

As a retiree covered by this Fund, you have the option of selecting between two different dental programs offered through Delta Dental: Delta AdapTable and DeltaCare/PMI. If you are covered by Medicare and belong to an HMO, you may select either program at no charge. Your HMO may also have a low- or no-cost dental plan available.

If you do not have Medicare or you have Medicare but are enrolled in The Union Labor Life Insurance Company program and you choose to enroll in the dental plan, you must pay for it yourself through a pension check deduction. The premiums for the two plans can change annually, so you should contact the administrative office to determine the current cost and benefits. Note: once you enroll in the dental plan you must continue for at least two years. If you disenroll in the dental plan, you will not be allowed to re-enroll at a later date, except as otherwise required by law.

Delta AdapTable
Under this program, you can use any dentist. The Plan pays benefits according to a schedule. The patient is responsible for charges which exceed the schedule. Claims are processed by Delta Dental.

DeltaCare/PMI
Under this program you must select a DeltaCare dentist and use him/her for all your non-emergency dental care. If you use a non-DeltaCare dentist without prior authorization from DeltaCare, services will not be covered except in an emergency. Under most circumstances there are no claim forms, and services are covered based on fixed participant copayments.