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Dental Insurance
A Sensible Solution to the High Costs of Dentistry
The dental insurance is fully underwritten and insured by an A rated insurance company.
There is no reason for poor dental health. With all the advances in dental care, regular checkups and proper dental maintenance, no one should suffer from tooth decay or dental disease. By participating in the dental program, you have the opportunity to make regular checkups much easier and less costly. Everything from a simple cleaning...all the way to root-canals, crowns and even full dentures...this plan has them covered!
In addition to the Dental Insurance Plan, receive at no extra cost, Vision, Hearing, Laboratory, Diabetic and Travel benefit programs.
Make sure your dental costs is covered. The Select Dental Plan
Benefit Summary
Calendar Year Deductible: $50 per person
Annual Maximum Benefit: $1000 per person
Preventive
Procedures
Cleanings
X-Rays
Exams
Fluoride |
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Basic
Procedures
Fillings
Extractions
Oral Surgery
Periodontics
(gum disease)
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Major
Procedures
Full and partial dentures
Crowns
Inlays
Endodontics
(root canal)
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Common Questions
THE PROBLEM
The main reason people don't go to the dentist is money. It's not fear, it's not time... it's money! Going to the Dentist is so expensive that many people simply cannot afford to take care of their teeth.
THE SOLUTION
The Select Dental Plan is "Revolutionary" and here's why!
QUESTION: Can I go to ANY Dentist?
ANSWER: Yes, you can go to any dentist, however if you select a dentist in the Dental Savings Network, you will receive the services at a muchreduced rate. This means that when you file your claim, and the insurance plan pays the scheduled reimbursement amount, there will be a smaller out of pocket cost to you.
QUESTION: Do I have to wait to get major dental work done?
ANSWER: All Basic and Preventive procedures are available as soon as your plan becomes effective. There is a six months waiting period for all Major Procedures.
QUESTION: Will I know what price I will be paying?
ANSWER: Yes, always discuss your contracted rate with your dentist prior to your procedure. You will also get a list that tells you what reimbursement the insurance will pay, so you will know exactly what your out of pocket costs will be.
The Select Dental Plan is a group dental plan issued to the UASB Association. Individuals and families may join the Select Dental Plan. For Specific Benefits including Limitations and Exclusions, refer to the Certificate of Insurance. This is not outline of coverage, not an offer to purchase.
Dental Plan Coverage
The Benefits of a Scheduled Dental Plan
The following are potential advantages of a schedule plan versus a traditional indemnity plan:
- The schedule plan offers the insured the same flexibility as an indemnity plan. You are free to utilize any provider, anywhere, at any time. Unlike an indemnity plan, a schedule plan offers potential cost savings by allowing the insured the opportunity to select a participating provider. The insured will benefit from the savings of our negotiated discounts.
- The schedule plan offers the employer and the insured more premium stability than an indemnity plan. With the utilization of the payment schedule, we are better able to forecast and control costs. This cost control is passed through to you in the form of more stable premiums and renewals.
- The schedule plan empowers the insured. The insured is given a copy of the entire schedule. Armed with the amount of the payment from us, the insured is able to compare providers to see which provider will perform the necessary services most reasonably. For example, if we will pay $209.00 for a crown, the insured is free to contact any provider and compare the charges of each provider. This offers the insured the potential for even greater savings.
Service Payment Schedule
The following is a sample list of dental procedures payable under this plan. Click here to download a complete list of the procedures and service payment schedules.
CODE
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DESCRIPTION OF SERVICE
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COVERED EXPENSE
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Preventive
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0120
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Periodic Oral Evaluation (Twice in a Benefit Period).
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$19.00
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1110
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Prophylaxis - adult (Twice in a Benefit Period).
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$40.00
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1203
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Topical Fluoride (separate code) in conjunction with prophylaxis.
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$15.00
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0210
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Intraoral - complete series (including bitewings).
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$60.00
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0272
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Bitewings - two films (Twice in a Benefit Period).
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$17.00
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1510
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Fixed space maintainer, unilateral.
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$141.00
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Basic
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1351
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Sealant - per tooth
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$16.00
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2140
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Amalgam restoration - one surface, primary or permanent.
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$38.00
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7140
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Extraction, erupted tooth or exposed root (elevation and/or forceps removal).
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$42.00
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7240
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Surgical removal of tooth (completely bony).
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$158.00
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5510
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Denture repair - Repair broken base.
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$48.00
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9220
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Deep sedation/general anesthesia.
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$122.00
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Major
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5211
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Maxillary partial denture - resin base.
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$185.00
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3310
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Endodontics - root canal, anterior.
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$145.00
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4341
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Periodontal scaling and root planing, four or more teeth. Each quadrant is eligible for consideration once in a 2 year period.
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$48.00
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2792
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Crown - full cast noble metal.
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$209.00
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2980
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Crown repair.
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$40.00
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6242
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Pontics - porcelain fused to noble metal.
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$215.00
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