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UCR Plans
Access Plans
Plan Features- Freedom to select any licensed dentist. Benefit incentives to use participating providers.
- Fixed member co-payments with no balance billing in-network
- Direct access to in-network specialists - no referral requirements, no additional fees
- No benefit waiting periods
- No claim forms for in-network services
- Scheduled reimbursements when seeking out-of-network services
- State-of-the-art claims center provides fast handling of customer claims and reimbursements.
What are CompBenefits' Access dental plans?
CompBenefits' Access dental plans are similar to PPO plans. Members are free to choose any licensed dentist, including those in CompBenefits' Access network. Members who select an in-network Access provider enjoy higher benefits and lower out-of-pocket costs. The plans emphasize preventive care, and most pay virtually all charges for preventive services when the member selects an in-network dentist. When using a dentist who is not part of the Access network, the plan pays a scheduled maximum amount per procedure. Office visit co-payments and plan maximums do apply.
How do the plans work?
Under our Access plan, you do not have to pre-select a primary dentist, and you can seek services from any licensed dentist. When you receive services from an in-network dentist, most preventive services are covered in-full after an office visit co-payment. Other services are available at fixed co-payments. When you receive treatment from an Access network dentist, your share of the cost will be reduced. If you elect to receive treatment from a dentist who does not participate in the Access network, you or your dentist must file a claim form in order to receive reimbursement for any services performed. Your claim will be paid based on your group's Schedule of Benefits. For out-of-network benefits, the plan will pay the lesser of the scheduled amount by procedure code, or the dentist's charges, up to the plan's annual limit for benefits. Your portion of the cost is simply the difference between the dentist's charge and the scheduled reimbursement amount.
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