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Illinois Retired Teachers Dental Insurance - PDF

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					A Dental Plan With
               You In Mind
                          An Exciting Dental Plan For Members Of The
                              Illinois Retired Teachers Association
The IRTA endorsed a group dental insurance plan,                        Advantages of Coverage
underwritten by Ameritas Life Insurance Corp.,
has been heavily negotiated for our membership                     Freedom to use your own dentist; NO
and provides many benefits for IRTA members.                       network required!
                                                                   You may choose an Ameritas Network
If you have had twelve months of continuous                        provider and save up to 20-30%
coverage, with no more than a 60 day lapse in                      Routine cleanings are covered three times
coverage, you will have first day access to all                    per calendar year (deductibles apply)
covered services. If you have, you will have first                 Exams are covered twice per calendar year
day access to preventative and basic services with                 (deductibles apply)
only a twelve month waiting period on major                        $100 Calendar Year deductible per person
services.                                                          $1,500 Calendar Year Maximum per person
                                                                   NO referral required for specialty care
                                                                   Dental Rewards - may enable your $1,500
How do I locate an Ameritas Network                                Calendar Year Maximum to grow to $2,500
Provider?                                                          Rates guaranteed until March 2011!
To locate a dentist near you in the network,                                Dental Plan Highlights
contact Ameritas at 1-888-239-3336, or online
at www.ameritasgroup.com/resources/find.asp
                                                                  Preventative Services: 100% coverage*
How do I get more information about the
                                                                        o    Oral Exams
dental benefits offered?
Call Ameritas at 1-888-239-3336 for more                                o    Prophylaxis (teeth cleanings)
information.
                     Endorsed by:                                 Basic Services: 80% coverage*
        Illinois Retired Teachers Association                           o    Fillings
                Underwritten by:                                        o    Crown & Denture Repairs
           Ameritas Life Insurance Corp.
                                                                        o    X-Rays
                    Marketed by:                                        o    General Anesthesia
        Association Member Benefits Advisors
         6034 W. Courtyard Drive, Suite 300                             o    Oral Surgery
                  Austin, TX 78730
                                                                  Major Services: 50% coverage*
                                                                        o    Endodontics (root canals)
                                                                        o    Periodontics (gum disease)
                                                                        o    Perio-cleanings
                                                                        o    Crowns Dentures
     *Reimbursement percentages are based on the usual
    and customary charges for services in your geographical              Monthly Plan Rates
         area. All services are subject to limitations and
       exclusions. The master policy is governed by the       Member                      $45.92
                          laws of Illinois.                   Member + 1                  $87.56
                                                              Member + Family             $114.29
                                                                                                          IRTA-02/09
 An Eye Care Plan                                                                         For Members of the Illinois
                                                                                          Retired Teachers Association
 With You In Mind
                                          Are you really                    Your Coverage From a VSP Doctor (co-pays apply)
                                          seeing your                Exam covered in full………...........................……..once every 12 months
     85% of all you                       best? Or are you           Prescription Glasses:
      experience is                       simply used to the         Lenses covered in full………………....…...............once every 12 months
                                                                     ► Single vision, lined bifocals, and lined trifocal lenses. In addition, you
                                          view? With good
      through your                        vision, your
                                                                        can experience significant savings on lens options such as progressive
                                                                        and transitional lenses.
          eyes                            experiences are
                                          clearer, sharper,
                                                                     ► Polycarbonate lenses for dependent children
                                                                     Frame……………………………………….................once every 24 months
                                          and brighter!
                                                                     ► Frame of your choice covered up to $120
                                                                     ► Plus, 20% off any out-of-pocket costs
  Besides helping you see better, routine eye exams                                                      -OR-
  can detect a number of serious health conditions                   Contact Lens Care……...................…….................once every 12 months
  such as glaucoma, cataracts, diabetes, even                        When you choose contacts instead of glasses, your $120.00 allowance
  cancer.                                                            applies to the cost of your contacts and the contact lens exam (fitting and
                                                                     evaluation). This exam is in addition to your vision exam to ensure proper
►Convenience for Members                                             fit of contacts. If you choose contact lenses you will be eligible for a frame
                                                                     12 months from the date the contact lenses were obtained. Current soft
                                                                     contact lens wearers may qualify for a special contact lens program that
  VSP has a network of thousands of doctors,                         includes a contact lens evaluation and initial supply of replacement lenses.
  located in rural and metropolitan areas throughout                                        Advantages of Coverage
  the nation. More than 90% of members have                          Without coverage, an exam and prescription glasses can cost around $300
  access to a VSP doctor within 10 miles of work                     or more. With VSP, you’ll save!
  and home. VSP doctors provide both eye exams                                      Your Co-Pays
  and eyewear, offering a convenient “one-stop”                      Exam………………………………………………….......……….$15.00
  solution for your eyecare needs.                                   Lenses…………………………………………………….......…..$25.00
                                                                     Contacts………………………………....…………No co-pay applies
►No ID Cards, No Claim Forms!                                                             Extra Discounts and Savings
  Easy As 1, 2, 3!
                                                                     ► Laser Vision Correction Discounts
  1. Find a VSP network doctor at:                                   ► Prescription Glasses
     www.vsp.com/go/IRTA or call 800.877.7195.                           Up to 20% savings on lens extras such as scratch resistant and
                                                                          antireflective coatings
  2. Make an appointment and tell the doctor you                         20% off additional prescription glasses and sunglasses*
     are a VSP member.
                                                                     ► Contacts*
                                                                         15% off cost of contact lens exam (fitting and evaluation)
  3. Your doctor and VSP will handle the rest.
                                                                     *Available from the same VSP doctor who provided your eye exam within
                                                                     the last 12 months.
►Visit www.vsp.com/go/IRTA                         today!                                  Your Monthly Contribution
                                                                     Member Only……………………………......…….............……………....$9.90
                                                                     Member + One……………………………….....…………............….....$17.85
  What’s important to you?                                           Family…………………………………………….....……............……….$22.60
  Do you need an evening
  appointment?      Interested                                       Dollar for dollar you get the best value from your VSP benefit when you
  in a doctor who focuses on                                         visit a VSP network doctor. If you decide not to see a VSP doctor you’ll
  sports      eyewear       or                                       receive fewer benefits and typically pay more out-of-pocket. You are
                                                                     required to pay the provider in full at the time of your appointment and
  children? Want an online
                                                                     submit a claim to VSP for partial reimbursement. If you decide to see a
  savings statement after                                            provider not in the VSP network, call us first at 800.877.7195.
  you visit a VSP doctor?
  Searching for information                                                        Out-of-Network Reimbursement Amounts:
  on conditions of the eye?                                          Exam……………………………………............……………….…Up to $45.00
  Visit their website, we think you’ll like what you                                               Lenses:
  see!                                                               Single Vision……………………………………............………...Up to $45.00
                                                                     Lined Bifocal………………………………………...…............…Up to $65.00
                                                                     Lined Trifocal………………………………………............….....Up to $85.00
  VSP guarantees service from VSP network doctors only. In
                                                                     Frame…………………………………………............…………....Up to $47.00
  the event of a conflict between this information and your
                                                                     Contacts…………………………………………….…............…Up to $105.00
  organization’s contract with VSP, the terms of the contract will
  prevail.
     IRTA Group Dental Insurance Plan Frequently Asked Questions

How can I find out exactly what services are covered?
For more information regarding plan benefits, you may call Ameritas at 1-888-239-3336.

Can I use my current dentist?
Yes, one of the best features of this plan is that you have the freedom to use your current dentist. However,
you may also select one of Ameritas’ Network Dentists who provide services that are discounted up to 20-30%.

How does the Dental Rewards Feature Work?
This feature rewards members who care for their teeth by filing at least one claim during the plan year, but use
less than $750 of their annual benefit. Dental rewards then rolls over $250 into the next benefit period with a
maximum carry over amount of $1,000. Therefore, your $1,500 calendar year maximum has the potential to
grow to $2,500! This feature solves the “use it or lose it” benefit problem many dental insurance plans have. By
allowing you to roll over part of your unused benefit, you can accumulate higher plan maximums that could be
beneficial if major procedures are needed in the future.

Can my spouse and children be covered under the IRTA group dental plan?
Yes, your spouse and dependent children up to age 26 are eligible for coverage under your dental policy.

Can I use this plan outside of the state of Illinois?
Yes, the plan pays benefits anywhere in the United States.

Can I pay my premium(s) by check every month?
In order to provide IRTA members with the best rates and service we offer a convenient monthly bank draft
option or pension deduction.




      Follow These Easy Steps to Enroll in the IRTA Group Dental/Vision Plan
1.     Complete the Enrollment Form.
       Complete the form in its entirety. If adding dependents, include each person’s Social Security number
       and date of birth.

2.     Submit your payment.
       In order to provide IRTA members with the best rates and service, we offer a convenient monthly bank
       draft or pension deduction.

           Monthly Bank Draft: Enclose a check payable to AMBA for your first month's premium(s) plus the
           $20 one time enrollment fee. You must also sign the bank draft authorization on the bottom of the
           application, and include a blank check marked "Void" on the account to be drafted.

           Illinois Teachers Retirement System Pension Deduction: complete the attached pension
           deduction form and enclose a check for the $20 enrollment fee. Make checks payable to AMBA.

3.     Mail your completed application to:
       AMBA
       6034 W. Courtyard Dr., Suite 300
       Austin, TX 78730




                                                                                                       IRTA-02/09
                              IRTA Group Dental & Vision Plan
                       Complete this form to enroll in the IRTA Group Dental and/or Vision Plan.
                             Membership with IRTA is required to enroll in these plans.

Illinois Retired Teachers Association Member Information
Retired From:                                                                Retirement Date:

Member Name (Last, First)                                                    Social Security Number (required)

Mailing Address

City                               State         Zip                         Home Phone

Date of Birth                      Gender        Email Address:

Have You Had Continuous Dental                Yes      No If Yes, Carrier Name: ____________________________
Coverage for the Last 12 Months?
                                            Effective Date: ___/___/______          Termination Date: ___/___/______
Monthly Dental Coverage Only:
                         Member ($45.92)                Member + 1 ($87.56)            Family ($114.29) $ __________
Monthly Vision Coverage Only:
                         Member ($9.90)                 Member + 1 ($17.85)            Family ($22.60)       $ __________
Monthly Dental + Vision Coverage:
                         Member ($55.82)                Member + 1 ($105.41)           Family ($136.89) $ __________
Total:                      Dental Premium + Vision Premium +$20 One-Time Enrollment Fee $ __________
Eligible Dependents to be Covered
           Name                DOB                  Gender       Student       Disabled             Social Security Number
Spouse

Child

Child

Payment Method (choose one)

         Illinois Teachers Retirement System Pension Deduction (see enclosed form) $20 Enrollment fee applies.


         Convenient Monthly Bank Payment Option: Make your check payable to AMBA for your first month’s premium
         plus the $20 enrollment fee and attach a VOIDED check. Deposit slips are not acceptable.

         Authorization to honor drafts drawn by Association Member Benefits Advisors (AMBA). I hereby authorize
         you to initiate debit entries on my account. This authority is to remain in effect until revoked by me in writing and
         until AMBA receives such notice. I agree that AMBA shall be fully protected in honoring such debit. Non-payment
         of insurance premium(s) results in the forfeiture of insurance. NOTE: Bank drafts occur on the 2nd business day of
         each month.
         __________________________________________________                          _______________________________
         Your signature EXACTLY as it appears on your Bank Records                                Date


Office use only: Effective Date: _____________       ACH Date: _____________ Entered: _____________
  TRS____________              ID_____________              MA _____________               R _____________
IRTA-02/09
                              The master policy is governed by the laws of the state of Illinois.
            ILLINOIS RETIRED TEACHERS ASSOCIATION, INC.
              Teachers Retirement System Pension Deduction Form



   The Illinois Retired Teachers Association (IRTA) and Association Member Benefits Advisors
   (AMBA) are focused on providing innovative benefits and prompt courteous service.

   If you are a member of the Teachers' Retirement System, as a convenience to you, we would
   like to encourage you to have your premiums automatically deducted from your pension check
   by completing and signing the enclosed deduction form.




   Please note, if you are a member of the Public Schools Teacher Pension & Retirement System of
   Chicago, you are not eligible to have your premium deducted from your pension check.




      Monthly Payroll/Pension Deduction Authorization for the State of Illinois
Deduction for: Ameritas Life Insurance Corp.             Please type or print.
Name:
              Last                                       First                                      Middle Initial


Address:
              Street                                     City                     State             Zip code


Social Security Number:
Agency: Illinois Retired Teachers Association            Deduction Code Number: 30-0N7
Monthly Premium to be deducted: $

I hereby authorize a deduction in the amount certified as the current rate of deduction to be withheld from my pay in
accordance with the State Salary and Annuity Withholding Act.

Signature:                                                                        Date:

Office Use Only: Pay Period:                     Check Issued:                    Effective Date:

				
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