Group Dental Insurance Plan
Plan Details
Plan Details
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You, your spouse and dependent children are guaranteed acceptance. Benefits provided for 155 different dental services. You have freedom to choose any dentist you want. No waiting period for specified services. Benefits can be paid directly to you or your dentist—it’s your choice. Option to add the Benefit Builder to your plan, which can give you a discounted fee for dental care. Deductible of $50/person or $150/family unit. You and your covered dependents are entitled to receive up to $1,000 each in benefits. Your coverage will be effective the first of the month following receipt. You can choose between three premium payment options, whichever one best suits your budget. Your coverage will terminate if you cease to be a member of your association. |
| Plan Details |
| You, your spouse and dependent children are guaranteed acceptance. |
| You, your lawful spouse and dependent children (typically under age 21 or age 25 if full-time student)(subject to state variations) are guaranteed acceptance—there are no long forms to complete, dental health questions to answer or exams to take. You’re already in. |
| Benefits provided for 155 different dental services. |
| This Group Dental Insurance Plan is not a discount
type plan you can get elsewhere. This plan provides comprehensive coverage
for more than 155 different dental services, including diagnostic, preventive
and specialty dental treatments. |
| You have freedom to choose any dentist you want. |
| With many employer-provided or other types of dental
plans, you’re required to use networks, preferred lists or referrals
for specialty treatment. But with this Dental Plan, you can choose to use
your own dentist. |
| No waiting period for specified services. |
| Preventive, diagnostic, restorative (except major)
and adjunctive services are all provided immediately with no waiting
periods. However, to keep your rates economical, there is a 6-month
waiting period for endodontics and oral surgery; a 12-month waiting
period for all other benefits. After 12 consecutive months of coverage,
you qualify for restorative-major, periodontics, prosthetics-removable
and fixed bridge. |
| Benefits can be paid directly to you or your dentist—it’s your choice. |
| You can choose to have your benefits paid directly to
you or to your dentist, whichever you prefer. |
| Option to add the Benefit Builder to your plan, which can give you a discounted fee for dental care. |
| This option uses a dental network and builds upon the
existing benefits you receive through this Dental Plan. Basically, it offers
you a discounted fee for dental care. If you choose to visit a provider
in the Benefit Builder Network, you will receive a discount on covered services.
This increases your out-of-pocket savings on dental costs and gives you
a second way to save. This option is not a part of the Dental Plan group policy—benefit
reimbursement is based on the discounted fee. If you have a dentist you really like who is not a member of the network, you don’t have to change dentists. You will still receive the insurance benefit provided by the group policy—and save money. However, we are pleased to provide this Benefit Builder option if you choose it. |
| Deductible of $50/person or $150/family unit. |
| For all services, there is a deductible
of $50 per insured person/$150 per family unit, per calender year. The
deductible is applied against insurance-covered expenses, not billed
charges. |
| You and your covered dependents are entitled to receive up to $1,000 each in benefits. |
| You and your covered dependents are entitled to receive
up to $1,000 each in benefits per calendar year after the cash deductible is satisfied. |
| Your coverage will be effective the first of the month following receipt. |
| Your coverage will be effective the first of the month
following receipt of your enrollment form and first premium payment. |
| You can choose between three premium payment options, whichever one best suits your budget. |
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| Economical group rates. |
| Because you’re an association member, you qualify
for members-only group rates. |
| Your coverage will terminate if you cease to be a member of your association. |
| Your coverage will terminate if you cease to be a
member of your association; you fail to pay the appropriate premium
when due; or the group policy is discontinued. Coverage for dependents
will end if your insurance ends, dependents’ insurance ends under
the group policy, the policy ceases to be a dependent or premium is
not paid for the dependent when due. All persons who were previously
insured for dental insurance under this plan and later voluntarily end
insurance will not be eligible to re-enroll for a period of two years
following the date insurance was voluntarily ended. |
| Exclusions keep your rates economical. |
| To keep your rates economical, there are some things
the plan does not cover. |
| Goes with you wherever you go—change jobs, move, etc. |
| With this Dental Plan, it goes with you wherever you
go—whether you travel, plan to move or switch jobs in the future.
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This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No.70106, domiciled in the State of New York with a principal place of business of 70 Pine Street New York, NY 10270. It is currently authorized to transact business in all states plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-233,608, Form No. G-19000. Coverage may vary or may not be available in all states.
The underwriting risks, financial and contractual obligations and support functions associated with the products issued by The Unites States Life Insurance Company in the City of New York (United States Life) are its responsibility.
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The information on this site describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. In the event of any conflict or inconsistency between the information on this site and the information contained in the underlying plan documents, the plan documents will in all respects control and govern. If any provision is not explained or only partially explained, your rights will always be determined under the provisions of the underlying plan documents. Insurance coverage and availability may differ by state. For complete plan details, please contact the Program Administrator, Marsh U.S. Consumer.
© 2010 Seabury & Smith, Inc. Marsh U.S. Consumer is a service of Seabury & Smith. PersonalPlans is a registered mark of Seabury & Smith. All rights reserved.
© 2010 Seabury & Smith, Inc. Marsh U.S. Consumer is a service of Seabury & Smith. PersonalPlans is a registered mark of Seabury & Smith. All rights reserved.