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Option I - PPO/Indemnity Plan
(EP510 with Ortho) Schedule
OVERVIEW
SUMMARY OF BENEFITS
MAXIMUM BENEFITS
MAJOR RESTORATIVE LIMITATIONS
EXCLUSIONS
PREDETERMINATION
OVERVIEW
Because we specialize in dental, we can bring you benefits and service
that other companies can't match!
Quick Claims Turnaround
CompBenefits' state of the art claims center provides fast
reimbursement of your claims.
Access to Information
Our toll-free customer service number at 1-800-342-5209 has Member
Services Representatives who can provide the answers you need quickly and
thoroughly.
Total Freedom of Choice
The plan provides you with total freedom of choice by allowing you to
use any licensed
dentist for treatment. The plan reimburses a percentage of eligible
expenses based on the plan you have chosen.
Any way you add it up, CompBenefits really is the benefits company
of choice!
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SUMMARY OF BENEFITS
Partial Listing of |
In-Network |
Out-of-Network |
Covered Services |
Reimbursements |
Reimbursements |
|
 |
 |
 |
 |
Type I Diagnostic & Preventive |
100% |
100% |
|
Oral Examination (once per six months)
Prophylaxis (cleaning, once per six months)
Topical Fluoride (children under 16,once per 12 months)
X-Rays (limitations may apply)
Sealants (once per 3 years for children under age 16, for non carious
molars only)
Space Maintainers (for children under age 16) |
|
Type II Basic Services |
85% |
80% |
|
Simple Restorative (amalgam, synthetic, or composite fillings)
Emergency Palliative Treatment
Tooth Extraction
Endodontics (root canals)
Periodontics (includes treatment of diseases of the gums) |
|
Type III Major Services |
55% |
50% |
(12 month waiting period**) |
|
Major Restorative (crowns/inlays/onlays)
Bridge, Denture Repair
Prosthetics (bridges and dentures) |
|
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MAXIMUM BENEFITS
Insured Individual and Dependents
|
In-Network |
Out-of-Network |
|
Reimbursements |
Reimbursements |
|
 |
 |
 |
 |
Lifetime |
 |
Type I, II, III |
Unlimited |
Unlimited |
|
Calendar Year |
 |
Type I, II, III |
$1,000 |
$1,000 |
|
Deductible*** |
 |
Type I |
None |
None |
 |
Type II, III |
$50 |
$50 |
|
A complete description of the coverage, including limitations on
certain procedures, is found in the Schedule of Benefits and Certificate
of Group Dental Insurance.
*Coverage based on contracted fees for the Preferred Provider
Network.
**Time served on the employer's immediately preceding group dental
plan may be credited towards this plan's waiting periods, subject to
Underwriting approval.
***Maximum of 3 per family.
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MAJOR RESTORATIVE LIMITATIONS
The charges for Major Restorative services will be Covered Dental Expenses subject to the following:
- the denture or partial denture must replace a Natural Tooth extracted
while insured for Dental Benefits under this policy;
- the fixed bridge (including a resin bonded fixed bridge) must replace
a Natural Tooth extracted while insured for Dental Benefits under this
policy;
- the replacement of a partial denture, full denture, or fixed
partial denture (including a resin bonded bridge), or the addition
of teeth to a partial denture if: (a) replacement occurs at least
five years after the initial date of insertion of the current full or
partial denture or resin bonded bridge; (b) replacement occurs
at least five years after the initial date of insertion of an existing
implant or fixed bridge; (c) replacement prosthesis or the
addition of a tooth to a partial denture is required by the
necessary extraction of a Functioning Natural Tooth while
insured for Dental Benefits under this policy; or (d) replacement
is made necessary by a Covered Dental Injury to a partial
denture, full denture, or fixed partial denture (including a resin
bonded bridge) provided the replacement is completed within
12 months of the injury. Chewing injuries are not considered
Covered Dental Injuries;
- the replacement of crowns, cast restorations, inlays, onlays or
other laboratory prepared restorations if:
- replacement occurs at least five years after the initial date of
insertion; and (b) they are not serviceable and cannot be restored to
function;
- the replacement of an existing partial denture with fixed
bridgework, only if upgrading to fixed bridgework is essential to
the correction of the person's dental condition; and the
replacement of teeth up to the normal complement of 32.
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EXCLUSIONS
Benefits will not be paid for:
- procedures which are not included in the Schedule of Benefits;
which are not medically necessary; which do not have uniform
professional endorsement; are experimental or investigational
in nature; for which the patient has no legal obligation to pay; or
for which a charge would not have been made in the absence
of insurance;
- any procedure, service, or supply which may not reasonably be
expected to successfully correct the patient's dental condition
for a period of at least three years, as determined by CompBenefits
Insurance Company;
- any chewing injury. A chewing injury means an injury which
occurs during the act of chewing or biting. The injury may be
caused by biting on a foreign object not expected to be a
normal constituent of food; by parafunctional habits, such as
chewing on eyeglass frames or pencils; or by biting down on a
suddenly dislodged or loose dental prosthesis.
- crowns, inlays, cast restorations, or other laboratory prepared
restorations on teeth which may be restored with an amalgam
or composite resin filling;
- appliances, inlays, cast restorations or other laboratory
prepared restorations used primarily for the purpose of
splinting;
- any procedure, service, supply or appliance, the sole or primary
purpose of which relates to the change or maintenance of
vertical dimension; the alteration or restoration of occlusion
including occlusal adjustment, bite registration, or bite analysis;
- pulp caps, adult fluoride treatments, athletic mouth guards;
myofunctional therapy; infection control; precision or semi- precision
attachments; denture duplication; oral hygiene instruction; separate
charges for acid etch; broken appointments; treatment of jaw fractures; orthognathic surgery;
completion of claim forms; exams required by third party;
personal supplies (e.g. water pik, toothbrush, floss holder, etc.);
or replacement of lost or stolen appliances;
- charges for travel time; transportation costs; or professional
advice given on the phone;
- procedures performed by a Dentist who is a member of Your
immediate family;
- any charges, including ancillary charges, made by a hospital,
ambulatory surgical center, or similar facility;
- charges for treatment rendered: (a) in a clinic, dental or
medical facility sponsored or maintained by the employer of any
member of Your family; or (b) by an employee of the employer
of any member of Your family;
- any procedure, service or supply required directly or indirectly
to diagnose or treat a muscular, neural, or skeletal disorder,
dysfunction, or disease of the temporomandibular joints or their
associated structures;
- charges for treatment performed outside of the United States
other than for emergency treatment. Benefits for emergency
treatment which is performed outside of the United States are
limited to a maximum of $100 (US dollars) per year;
- the care or treatment of an injury or sickness due to war or an
act of war, declared or undeclared;
- treatment for cosmetic purposes; however, if the charges are
made for the treatment of: (a) injuries sustained in an accident
which happens while the patient is insured for Dental Benefits
under this policy; or (b) congenital defects of a child born while
his or her parent is insured, they will not be excluded if they
qualify as Covered Dental Expenses. Facings on crowns or
bridge units on molar teeth will always be considered cosmetic;
- any services or supplies which do not meet the standards set
by the American Dental Association or which are not reasonably
necessary, or customarily used, for dental care;
- procedures that are a covered expense under any other
medical plan (established by the employer) which provides
group hospital, surgical, or medical benefits whether or not on
an insured basis;
- a sickness for which the patient can receive benefits under a
workers' compensation act or similar law;
- an injury that arises out of or in the course of a job or
employment for pay or profit; or
- charges to the extent that they are more than the Prevailing
Fee. If the amount of the Prevailing Fee for a service cannot be
determined due to the unusual nature of the service, CompBenefits
Insurance Company will determine the amount. CompBenefits Insurance
Company will take into account: (a) the complexity involved; (b)
the degree of professional skill required; and (c) other pertinent
factors.
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PREDETERMINATION
If Covered Dental Expenses for a procedure are expected to be more
than $300 it is recommended that you send a Dental Treatment Plan in
prior to beginning treatment, send preauthorization to:
CompBenefits
P.O. Box 8236
Chicago, IL 60680–8236
You and/or your dentist will be notified of the benefits payable based
upon the Dental Treatment Plan.
This information contains a brief description of the plan. A complete
description of the coverage, including limitations on certain procedures
is found in the Schedule of Benefits and Certificate of Group Dental
Insurance.
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