What does our Dental Plan Cover?

The Dental Plan is designed to encourage preventive dental care by providing benefits for certain diagnostic and preventive services without requiring you to pay a deductible or co-payment amount.

As of January 1, 2009, the Plan provides payment for limited dental services when rendered and billed by a licensed dentist. Benefit payment for covered service is fifty percent (50%) of the dentist’s usual charge (or 50% of the usual and reasonable charge for Out of Network Provider).

The balance not covered by the Plan may be submitted to UMR for reimbursement from your Health Reimbursement Account (HRA). You will be directed by UMR to supply receipts with a detailed itemized bill for dental transactions.

Dental Benefits are for Active Members and Dependents Only. Retirees are not eligible for Dental Benefits Covered Preventive Services are as follows:

• Initial and periodic oral examinations -2 per individual per calendar year
• Dental X-rays - bite-wing x-rays (limited to 4 x-rays per calendar year)
• Cleaning - 2 per individual per calendar year or two periodontic cleanings per calendar year may be substituted for two regular cleanings.