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Dental Coverage Benefits and Co-Payment Schedule ...
DELTACARE©
DENTAL INSURANCE COVERAGE
Individual
$97 Year
Individual + 1
Dependent $155 Year
Family
(3 or more) $225
Year
InsuranceCompany.com
an affiliate of Del Amo Insurance Services, Inc., through its' brokerage
services, can arrange dental benefits with the Delta Dental Plan Association.
We know cost is important, that's why we make dental preventive care so easy
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this... a prepaid dental plan.
You have selected the
Delta Dental©
Plan of California
administered by PMI Dental Health Plan.
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DeltaCare programs provide rigorous controls to
assure quality care. Network dentist undergo on-site quality audits.
Auditors examine office hours, number of staff members, convenience of
location, sterilization techniques, recordkeeping, opportunities available
to staff, type of equipment, continuing education, range of services
provided and the dentist's own quality assurance system. Contracted
dentists must have been in practice for at least five years and must be
able to provide 24-hour emergency service. Once accepted into the network,
the dentist's office is visited regularly by a DeltaCare representative.
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The
DeltaCare panel includes oral surgeons, endodontists, pedodontists,
periodontists and orthodontists. When a DeltaCare primary care dentist
refers a patient to a specialist, the DeltaCare program reimburses the
specialist directly for prior authorized treatment. Unlike many managed
care dental programs, DeltaCare doesn't require the primary care dentist
to pay for specialty care, a practice which encourages appropriate
referral. (The patient pays the same copayment for specialty care services
whether performed by the primary care dentist or by a referred
specialist.)
DeltaCare offers a broad
range of covered benefits:
All services are covered in
full or with patient copayments as shown in the schedule of benefits and
copayments.
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Diagnostic and preventive services,
including examinations, consultations and x-rays. Also included are
prophylaxis (cleaning), topical application of preventive solutions
and sealants (age limitations may apply) and space maintainers.
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Emergency services,
to relieve pain and infection.
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Restorative
services,
including amalgam, porcelain and plastic restorations (fillings) for
treatment of carious lesions (visible destruction of tooth surface
resulting from the process of decay). Crowns and jackets are also
covered when teeth cannot be restored with the materials mentioned
above.
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Oral surgery,
including extractions and certain other surgical procedures.
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Endodontics,
including pulpal therapy and root canal filling.
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Periodontics,
treatment of the tissue supporting the teeth.
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Fixed bridges,
covered subject to administrative policies.
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Removable
prosthetics,
including full or partial dentures.
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Orthodontic care,
for adults and/or dependent children, subject to the availability of
network orthodontists.
DeltaCare dentists receive a
predetermined amount each month for each patient enrolled with their
office. Because these dentists have already contracted to provide services
to DeltaCare patients, there are no claim forms.
Payment
must be received by PMI Delta Dental by the 15th of the month for coverage to be
effective the first day of the following month.
If your payment is not
received by the 15th day of the month, coverage will become effective the first
day of the second month. |
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DESCRIPTION OF BENEFITS AND CO-PAYMENTS |
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The benefits
shown below are performed as needed and deemed necessary by the attending
Contract Dentist subject to the limitations and exclusions of the program.
Please refer to
Schedule B for further clarification of benefits. Enrollees should
discuss all treatment options with their Contract Dentist prior to services
being rendered.
Text that appears in italics below is
specifically intended to clarify the delivery of benefits under the
DeltaCare USA program and is not to be interpreted as CDT-2007 procedure
codes, descriptors or nomenclature that are under copyright by the American
Dental Association. The American Dental Association may periodically change
CDT codes or definitions. Such updated codes, descriptors and nomenclature
may be used to describe these covered procedures in compliance with federal
legislation. |
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Procedures not listed above are not covered; however they may be available
at the Contract Dentist's "filed fees." Filed fees" means the Contract
Dentist's fees on file with Delta Dental. Questions regarding these fees
should be directed to Delta Dental's Customer Service department at (800)
422-4234. |
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SCHEDULE B - EXCLUSIONS OF BENEFITS |
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- All procedures not shown in Schedule
A, Description of Benefits and Copayments.
- Dental conditions arising out of and due
to Enrollee's employment for which Workers' Compensation is paid. Services
that are provided to you by state government or agency thereof, or are
provided without cost by any municipality, county or other subdivision,
except as provided in Section 1373(a) of the California Health and Safety
Code.
- All related fees for admission, use, or
stays in a hospital, out-patient surgery center, extended care facility,
or other similar care facility.
- Loss or theft of full or partial dentures,
space maintainers, crowns and fixed partial dentures (bridges).
- Dental expenses incurred in connection
with any dental procedures started after termination of eligibility for
coverage.
- Dental expenses incurred in connection
with any dental procedure started before the Enrollee's eligibility with
the DeltaCare USA program. Examples include: teeth prepared for crowns,
root canals in progress, orthodontics.
- Congenital malformations (e.g.
congenitally missing teeth, supernumerary teeth, enamel and dentinal
dysplasias, etc.), except for the treatment of newborn children with
congenital defects or birth abnormalities.
- Dispensing of drugs not normally supplied
in a dental facility.
- Any procedure that in the professional
opinion of the Contract Dentist or our dental consultant:
- has poor prognosis for a successful
result and reasonable longevity based on the condition of the tooth or
teeth and/or surrounding structures, or
- is inconsistent with generally accepted
standards for dentistry.
- Dental services received from any dental
facility other than the assigned Contract Dentist, including the services
of a dental specialist, unless expressly preauthorized in writing by us or
as cited under Emergency Services. To obtain written authorization, the
Enrollee should call the Customer Service department at (800) 422-4234.
- Consultations for non-covered benefits.
- Implant placement or removal, appliances
placed on or services associated with implants, including but not limited
to prophylaxis and periodontal treatment.
- Porcelain crowns, porcelain fused to metal
or resin with metal type crowns and fixed partial dentures (bridges) for
children under 16 years of age.
- Restorations placed solely due to
cosmetics, abrasions, attrition, erosion, restoring or altering vertical
dimension, congenital or developmental malformation of teeth.
- Appliances or restorations necessary to
increase vertical dimension, replace or stabilize tooth structure loss by
attrition, realignment of teeth, periodontal splinting, gnathologic
recordings, equilibration or treatment of disturbances of the
temporomandibular joint (TMJ).
- An initial treatment plan which involves
the removal and reestablishment of the occlusal contacts of 10 or more
teeth with crowns, onlays, fixed partial dentures (bridges), or any
combination of these is considered to be full mouth reconstruction under
the DeltaCare USA program. Crowns, onlays and fixed partial dentures
associated with such a treatment plan are not covered Benefits. This
exclusion does not affect any other Benefits.
- Precious metal for removable appliances,
metallic or permanent soft bases for complete dentures, porcelain denture
teeth, precision abutments for removable partials or fixed partial
dentures (overlays, implants, and appliances associated therewith) and
personalization and characterization of complete and partial dentures.
- Extraction of teeth, when teeth are
asymptomatic/non-pathologic (no signs or symptoms of pathology or
infection), including but not limited to the removal of third molars and
orthodontic extractions.
- Treatment or extraction of primary teeth
when exfoliation (normal shedding and loss) is imminent.
- Treatment or appliances that are provided
by a Dentist whose practice specializes in prosthodontic services.
- Accidental injury. Accidental injury is
defined as damage to the hard and soft tissue of the oral cavity resulting
from forces external to the mouth. Damages to the hard and soft tissues of
the oral cavity from normal masticatory (chewing) function will be covered
at the normal schedule of benefits.
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ORTHODONTIC LIMITATIONS |
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The DeltaCare
USA Program provides coverage for orthodontic treatment plans provided
through Contract Orthodontists. The cost to the Enrollee for the treatment
plan is listed in
Schedule A, Description of Benefits and Copayments and subject to the
following:
- Orthodontic treatment must be provided by
the Contract Orthodontist.
- Benefits cover 24 months of active
comprehensive orthodontic treatment. Included is the initial examination,
diagnosis, consultation, initial banding, 24 months of active treatment,
de-banding and the retention phase of treatment. The retention phase
includes the initial construction, placement and adjustment to retainers
and office visits for a maximum of two years.
- Treatment plans extending beyond 24 months
of active treatment, or 24 months of the retention phase of treatment will
be subject to a monthly office visit fee to the Enrollee not to exceed
$75.00 per month.
- Should an Enrollee's coverage be cancelled
or terminated for any reason, and at the time of cancellation or
termination be receiving any orthodontic treatment, the Enrollee and not
Delta Dental will be responsible for payment of any balance due for
treatment provided after cancellation or termination. In such a case the
Enrollee's payment shall be based the Contract Orthodontist's usual fee at
the beginning of treatment. The amount will be pro-rated over the number
of months to completion of the treatment and will be payable by the
Enrollee on such terms and conditions as are arranged between the Enrollee
and the Contract Orthodontist.
- If treatment is not required or the
Enrollee chooses not to start treatment after the diagnosis and
consultation has been completed by the Contract Orthodontist, the Enrollee
will be charged a consultation fee of $85.00 in addition to diagnostic
record fees.
- Three recementations or replacements of a
bracket/band on the same tooth or a total of five rebracketings/rebandings
on different teeth during the covered course of treatment are Benefits. If
any additional recementations or replacements of brackets/bands are
performed, the Enrollee is responsible for the cost at the Contract
Orthodontist's usual fee.
- The Copayment is payable to the Contract
Orthodontist who initiates banding in a course of orthodontic treatment.
If, after banding has been initiated, the Enrollee changes to another
Contract Orthodontist to continue orthodontic treatment, (i) the Enrollee
will not be entitled to a refund of any amounts previously paid, and (ii)
the Enrollee will be responsible for all payments, up to and including the
full Copayment, that are required by the new Contract Orthodontist for
completion of the Orthodontic treatment.
- Coverage and treatment under this Program
are conditioned on patients following the treatment plan recommended by
their Contract Orthodontist. Failure to follow the instructions of the
Contract Orthodontist can compromise the health of teeth and/or gums,
which may necessitate discontinuation of treatment. Patients who are
required to restart their orthodontic treatment because of non-compliance
with the treatment plan will be subject again to all applicable Copayments.
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ORTHODONTIC EXCLUSIONS |
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- Pre-, mid- and post-treatment records
which include cephalometric x-rays, tracings, photographs and study
models.
- Lost, stolen or broken orthodontic
appliances.
- Changes in treatment necessitated by
accident of any kind.
- Surgical procedures incidental to
orthodontic treatment.
- Myofunctional
therapy.
- Surgical procedures related to cleft
palate, micrognathia, or macrognathia.
- Treatment related to temporomandibular
joint disturbances.
- Supplemental appliances not routinely used
in typical comprehensive orthodontics.
- Restorative work caused by orthodontic
treatment.
- Phase I orthodontics, as well as activator
appliances and minor treatment for tooth guidance and/or arch expansion.
Phase I orthodontics is defined as early treatment including interceptive
orthodontia prior to the development of late mixed dentition.
- Extractions solely for the purpose of
orthodontics.
- Treatment in progress at inception of
eligibility.
- Composite bands, lingual adaptation of
orthodontic bands and other specialized or cosmetic alternatives to
standard fixed and removable orthodontic appliances.
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