ANSWERS TO COMMONLY ASKED QUESTIONS - Indemnity

What are usual and customary charges?

Usual and Customary Charges (UCR) are those fees normally charged by the dentist for a given service or treatment.

How much of the dental charges will the plan cover?

Payment schedules vary from plan to plan. Please check your Schedule of Benefits for more details.

How does my bill get paid?

Billing is dentist specific. The dentist may agree to file your insurance claim for you. However, if he/she does not, you may be required to pay the entire bill at the time services are rendered and will, therefore, need to submit a claim to CompBenefits for reimbursement. Again, all financial arrangements concerning payment for services rendered are strictly between you and your dentist and should be determined prior to the start of treatment.

Where should I send my claims?

Claims forms can be obtained from your Group Benefits Administrator or CompBenefits Member Services and should be sent to:

                        CompBenefits Claims
                        PO Box 4605
                        Chicago, IL 60680-4605

What is a predetermination?

The purpose of submitting a predetermination is to help you understand how your benefits will apply to your particular case.

When is a predetermination needed?

If a planned treatment is going to cost over $300, you should ask the dentist to file for predetermination of benefits before services begin. Predetermination is not necessary for emergency treatment.

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