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Introducing Delta Dental Effective 10/1/2010, Yale University will offer Graduate and Professional Students a voluntary dental insurance plan through Delta Dental Insurance Company. The Delta Dental plan is designed to help maintain good oral health – providing you and your family with the quality care you need at significant savings. Your coverage begins on the effective date and there are no limitations for pre-existing conditions. You may use any dentist under this plan, but you will maximize coverage and minimize out of pocket expense by using a Delta Dental PPO dentist. When you receive care from Delta Dental PPO network dentists, there is no co-payment for preventive and diagnostic services like exams, cleanings, and X-rays. For other basic and major services obtained through Delta Dental PPO dentists, although the plan does not pay a benefit, the dentist can charge no more than the Delta Dental PPO negotiated fee for each service. An approved 2010 fee schedule for selected procedures is attached. For services received through non-Delta Dental PPO dentists, the plan pays 80% of the maximum allowable charges for preventive and diagnostic services like exams, cleanings, and X-rays. For these services, the dentist may collect from you the difference between his or her billed fee and what the plan has allowed, as listed on the fee schedule on page 2. There is no coverage for other basic and major services received from non-Delta Dental PPO dentists, and since Delta Dental does not have a relationship with these dentists, you are responsible for the dentist’s billed fee. Advantages in using Delta Dental PPO Dentists No surprise costs – you know what your maximum out-of-pocket costs will be up front because all services received from Delta Dental PPO network dentists – including fully covered preventive and diagnostic services and discounted basic and major restorative services – are based on a fixed fee schedule. No claim forms – when you go to a Delta Dental PPO network provider, there are no claim forms for you or your family to complete. Simply provide your dentist with the information that is printed on your ID card, and make your applicable patient payment. No balance billing – Delta Dental PPO network dentists agree to accept the negotiated fee schedule amounts for covered basic and major restorative services as full payment. In-Network Coverage In-network preventive diagnostic and services are covered 100% - which means that you won’t have any additional out-of-pocket costs for those procedures identified as Type 1 on the list contained on page 2. In-network basic and major restorative services – like fillings, crowns, and root canals are available to you at discounted dental rates. We’ve negotiated discounts with our PPO providers so that you’ll have access to these services at great savings for those procedures identified as Type 2 on the list contained on page 2. Out-of-Network Coverage When performed by out-of-network dentists, the plan only provides coverage for diagnostic and preventive services identified as Type 1 on the list contained on page 2. For these services, members will be covered up to 80% of the lesser of the maximum fee allowance or the dentist’s charge. For other basic services, prosthodontic, and other services, identified as Type 2 and Type 3, respectively on page 2, there is no coverage and the plan does not offer any discount for the service when it is provided by a non-participating dentist. If you receive care from a non-participating dentist, you may be responsible for paying the dentist directly and submitting a claim form to Delta Dental so that you can be reimbursed for the covered amount for diagnostic and preventive services. About the List of Covered Services The fees listed below are in effect for 2010. Dentists’ fees are reviewed annually and may be adjusted in January. If the fees are adjusted, your share of the patient payment may increase. CT Delta Dental PPOSM Fee Schedule - Effective 1/1/10 (Selected Procedures) CODE DESCRIPTION FEE TYPE 1 – Diagnostic 0120 Periodic Oral Evaluation $36 0210 Intraoral-complete series (including bitewings) $99 0220 Intraoral periapical-single-first film $22 0272 Bitewings-two films $32 0274 Bitewings-four films $47 TYPE 1 – Preventive 1110 Adult prophylaxis $67 1203 Topical application of fluoride (prophy not included)-child $28 1351 Sealant-per tooth $41 TYPE 2 – Restorative 2140 Amalgam-one surface, primary or permanent $102 2150 Amalgam-two surface, primary or permanent $130 2330 Resin-based composite-one surface, anterior $105 2331 Resin-based composite-two surfaces, anterior $136 2332 Resin-based composite-three surfaces, anterior $174 2391 Resin-based composite-one surface posterior $119 2392 Resin-based composite-two surfaces, posterior $157 2393 Resin based composite-three surfaces, posterior $200 2750 Crown-porcelain-high noble metal $890 3330 Root canal therapy-molar $890 TYPE 2 – Periodontics 4260 Osseous surgery-4 or more teeth-per quad $808 4341 Perio scaling & root planing-4 or more teeth, per quad $190 4910 Periodontal maintenance (following therapy) $103 TYPE 3 – Prosthodontics - Removable 5213 Maxillary partial denture-cast frame work-with resin denture base $1270 5650 Add tooth to existing partial denture $146 TYPE 3 – Implant Services 6065 Implant supported porcelain/ceramic crown $1100 6069 Abutment supported retainer for porcelain fused to metal PPD (high noble metal) $1005 6010 Endosteal Implant $1716 TYPE 3 – Prosthodontics – Fixed 6750 Crown-porcelain fused to high noble metal $890 TYPE 3 – Oral Surgery 7140 Extraction, erupted tooth or exposed root $127 (elevation and/or forceps removal) 7210 Surgical removal of erupted teeth $228 7240 Removal of impacted tooth-completely bony $385 TYPE 3 – Orthodontics 8070 Comprehensive orthodontic treatment of the transitional dentition $4774 Delta Dental PPO Plan Questions and Answers Q. What is the Delta Dental PPO Plan? A. Delta Dental PPO Plan is a plan in which members benefit from financial savings when receiving care from Delta Dental PPO network dentists. When using these dentists, preventive and diagnostic services are covered at 100%. Basic and major restorative services provided by network dentists are available to Delta Dental PPO Plan members at discounted rates. Students who elect coverage must remain on the plan for one year. If coverage is cancelled for any reason, students must wait to re-enroll during the next enrollment period for the following plan year. Q. How can I find out if the dentist I use or want to use is a Delta Dental PPO dentist? A. You can find a dentist in the Delta Dental PPO network, by visiting www.deltadentalnj.com. Q. My dentist is a Delta Dental dentist, but is not on the Delta Dental PPO list. Can I still use him/her? A. Delta Dental has several other dental programs and not all Delta Dental dentists participate in all Delta Dental programs. The Delta Dental PPO Plan provides out-of-network coverage for preventive and diagnostic services only; however, the benefits are lower than the coverage we offer when members use the services of a Delta Dental PPO dentist. For this reason, we recommend that you receive your dental care from a dentist that participates in the Delta Dental PPO network. Q. Are there any Delta Dental PPO dentists that I can select to receive specialty services? A. Yes. Delta Dental PPO dentists include a panel of specialists. Should you require specialty services, you may select a specialist from the Delta Dental PPO network. Q. If I have a pre-existing dental condition, may I be covered for that condition? A. There are no exclusions or limitations for pre-existing dental conditions. If you have additional questions, please contact Delta Dental at 1-800-452-9310 or visit www.deltadentalnj.com. To find a dentist in the Delta Dental PPO network, visit www.deltadentalnj.com. There are over 200 participating dentists within a 5-mile radius of Yale University. Open Enrollment is July 2nd – September 15th Coverage is for one year beginning October 1st through September 30th. Annual Premium is $140.04 for an individual, $247.92 for member & spouse or member and 1 child, and $570.12 for a family. Payment in full is due at the time of enrollment via check made payable to Yale University. This plan is non-refundable and ALL sales are final. Delta Dental ID cards will be mailed to the address that is on the enrollment form.
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