Regular full-time or regular part-time (75%+) appointments are eligible to enroll in one of two dental plans. Coverage becomes effective on the first of the month following the month of employment. The dental plans we offer are:
- Prepaid Plan or Assurant
- Preferred Provider Organization or Delta Dental
Transferring dental plans may be done only during Annual Transfer/Open Enrollment Period. This is the only time of the year when participants can make changes in their insurance coverage. Changes in coverage will become effective on January 1.
Prepaid Plan or Assurant
You must choose a primary care dentist from the network; however, each family member may choose a different dentist. There are some copays for dental procedures; some procedures at no charge; no claim forms to submit; pre-existing conditions are covered; no maximum benefit levels; no deductibles; 25% discount on all orthodontic services; no age or dollar maximum restrictions on orthodontics.
Preferred Provider Organization administered by Delta Dental
You may select any dentist; no referrals are required and you or your dentist will file claims for covered services. If you visit a dentist who is not a Delta Dental PPO provider but is a Delta Dental Premier provider, the amount you may be balance billed is limited. This may be an additional savings to you and your family members.
Some services require waiting periods and limitations and exclusions apply. No deductible per individual for in-network provider; $100 deductible per individual for out-of-network provider; benefits for covered services paid at the lesser of dentist charge or the scheduled amount; $1,000 annual maximum benefit per person.