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Schedule of Benefits
(what the dental plan will pay) - Over 400 Covered Procedures |
Sample Schedule of Benefits - How much the insurance will pay |
Economy Plan |
Value Plan |
Standard Plan |
Plan Maximum |
$750 |
$750 |
$750 |
Preventive - NO DEDUCTIBLE |
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|
|
Two evaluations
per benefit period |
$8 (each) |
$12 (each) |
$16 (each) |
Two cleanings per
benefit period (Age 14 and over) |
$20 (each) |
$30 (each) |
$40 (each) |
Two cleanings per
benefit period (Under age 14) |
$14 (each) |
$20 (each) |
$27 (each) |
One topical
fluoride treatment in conjunction with prophylaxis for children age 18 and
under per benefit period |
$8 |
$11 |
$15 |
Basic |
|
|
|
X-ray --
Complete series (including bitewings) |
$24 |
$36 |
$48 |
Bitewing x-rays (2
films) twice in a benefit period |
$9 |
$13 |
$18 |
Amalgam
restoration (silver fillings)—one surface, primary or permanent |
$21 |
$32 |
$42 |
Extraction,
erupted tooth or exposed root |
$24 |
$36 |
$48 |
Surgical removal
of tooth (completely bony) |
$50 |
$75 |
$100 |
Deep
sedation/general anesthesia |
$70 |
$105 |
$140 |
Major |
|
|
|
Maxillary partial
denture—resin base |
$150 |
$225 |
$300 |
Denture
repair—repair broken base |
$18 |
$27 |
$36 |
Endodontics—root
canal, anterior |
$80 |
$120 |
$160 |
Periodontal
scaling and root planning, limited (per quadrant). Each quadrant is
eligible for consideration once in a 2 year period |
$26 |
$39 |
$52 |
Crown—full cast
noble metal |
$112 |
$168 |
$224 |
Crown repair |
$30 |
$45 |
$60 |
Pontics—porcelain
fused to noble metal |
$112 |
$168 |
$224 |
|
Dental
Maximum Per Person, Per Calendar year at Any Dentist You Choose
ü
Economy Plan $750 per calendar year
ü
Value Plan $750 Per calendar year
ü
Standard
Plan $750 per calendar year
Dental
Deductible Per Person
ü
$50
Calendar Year-Per Person
ü
Applies to
Basic
& Major Services only
Elimination Period
ü
12 month waiting period on major procedures
Vision
Benefit at VSP Providers with No Deductible
ü
100% coverage for one routine vision exam for each insured per calendar year
ü
20% discount off a complete pair of frames and lenses
ü
15% discount off contact lens services
ü
An average discount of 10-25% off laser vision correction surgery for PRK or
LASIK at a VSP provider
ü
There are over 29,000 providers in the United States
* Please refer to
your certificate for complete details on all benefits, frequencies, and plan
limitations.
A certificate will be mailed after your enrollment form has been processed.
Limitations
Covered Expenses will not include and no benefit will be payable for
expenses incurred:
- for
Major Procedures in the first twelve months that a person is insured.
- for any
procedure except exams, cleaning and fluoride applications for the first 12
months when an insured or dependent becomes classified as a late entrant.
If an insured or dependent does not enroll within 31 days from the date the
person qualifies for the insurance or who elected to become insured again after
canceling a premium contribution agreement will be classified as a late
entrant.
- for any
treatment which is for cosmetic purposes. Facings on crowns or pontics behind the second bicuspid
are considered cosmetic.
- to
replace any prosthetic appliance, crown, inlay or onlay restoration, or fixed
partial denture within five years of the date of the last placement of these
items. However, if a replacement
is required because on an accidental bodily injury sustained while the person
is insured, it will be a Covered Expense.
- for
initial placement of any prosthetic appliance of fixed partial denture unless
such placement is needed because of the extraction of one or more natural teeth
while a person is insured.
The extraction of a third molar (wisdom tooth) will not qualify.
Any such appliance or fixed partial denture must include the replacement of the
extracted tooth or teeth.
- for any
procedure started before a person becomes insured.
- for any
procedure which began after a person’s insurance terminates; or for any
prosthetic dental appliances installed or delivered more than 90 days after a
person’s insurance terminates.
- to
replace lost or stolen appliances.
- for
appliances, restorations, or procedures to:
- alter
vertical dimension;
-
restore or maintain occlusion;
-
splint or replace tooth structure lost because of abrasion or attrition; or
- treat
disturbances of the temporomandibular joint (T.M.J.). (except in the states of Alabama,
Florida, Minnesota, Mississippi, and Washington)
- for any
procedure which is not shown on the List of Dental Procedures provided with
your Certificate of Insurance.
- for
education or training in, and supplies used for, dietary or nutritional
counseling, personal oral hygiene or dental plaque control.
- for the
completion of claim forms.
- for
orthodontic treatment.
- because
of any injury arising out of, or in the course of, work for wage or profit.
- by a
person because of a sickness for which he or she is eligible for benefits under
any Worker’s Compensation act or similar law.
- for
charges for which a person is not liable or which would not have been made had
no insurance been in force.
- for
services which are not recommended by a physician or which are not required for
necessary care and treatment.
- because
of war or any act of war, declared or not.
- by a
person if payment is not legal where the person is living when expenses are
incurred.
- for
sealants which are:
- not
applied to a permanent molar,
-
applied after attaining age 17,
-
reapplied to a molar within 3-years from the date of a previous sealant
application.
-
subgingival curettage or root planning (procedure numbers 4220 and 4341) unless
the presence of periodontal disease is confirmed by both radiographs and pocket
depth summaries of each tooth involved.
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