Overview | The dental benefit is self-funded by the Plan and is available for all active plan participants. (Coverage for self-pay participants may be different.) | |
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Pre-Certification Requirement | Pre-Certification is required by the Plan prior to dental work costing $500 or more; otherwise, benefits will not be paid for that work. To obtain Pre-Certification, your dentist must send the proposed treatment plan to the Administrative Office for approval before treatment begins. | |
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Calendar Year Deductible:
| $50 per person, 3 per family.
The $50 deductible is waived for routine prophylaxis (teeth cleaning). If you obtain two cleanings per year, your per-person deductible will be waived on all covered dental services in the following year.
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Calendar Year Maximum Benefit: | $3,000 per person | |
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Orthodontia Lifetime Maximum Benefit: | $5,000 per child | |
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Dental Service | In-Network | Out-Of-Network | |
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Prophylaxis (Cleaning):
two per calendar year1 | 90% of contract rate, no deductible | 70% of usual, customary & reasonable, no deductible | |
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Other Preventive and Diagnostic:
Fluoride Treatments, Exams, X-Rays,
Bitewings (once every six months to age 18; once
every twelve months ages 18 and over),
Panoramic/Full Mouth X-Rays (once every three years) | 90% of contract rate after deductible | 70% of usual, customary & reasonable after deductible | |
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Basic Services:
fillings, extractions, root canals, periodontal
work, oral surgery, anesthesia | 90% of contract rate after deductible | 70% of usual, customary & reasonable after deductible | |
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Major Services: crowns, dentures, fixed bridges | 90% of contract rate after deductible | 70% of usual, customary & reasonable after deductible | |
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Orthodontia (children under age 19 only) | 90% of contract rate after deductible | 70% of usual, customary & reasonable after deductible | |
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1. A third cleaning in a twelve month period may be covered if approved in advance by the Plan.
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