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Dental
Insurance
Employees
may select from two traditional dental insurance plans: a
high option plan and a low option plan. Permanent employees
who work at least 20 hours per week for nine or more months
per year are eligible to enroll. Premiums are paid on a pre-tax
basis.
Traditional
Plans allow employees to see any dentist they choose.
They provide coverage for preventive and diagnostic services,
Basic Services and Major Services after satisfying the yearly
deductible; thereafter, benefits are paid based on a percentage
of the usual, customary, and reasonable charge. Under these
plans the Dentist may or may not file claims for you.
The
High Option covers Preventive and Diagnostic Services
at 100% of their cost with no deductible costs. Most Basic
Services are covered for 80%, and Major Services and Orthodontics
at 50% of their cost after meeting a $25 annual deductible.
The employee pays a higher monthly premium for this option.
The
Low Option covers Preventive and Diagnostic Procedures
at 100% of their cost with no deductible costs. Most Basic
Services are covered at 50% of their cost with an annual deductible
of $50. The low option offers no coverage for Major Services
or Orthodontics. Employees pay a lower monthly premium for
this option.
Please
visit NCFlex's Flexible Benefits site for additional
Dental benefits resources.
NCFlex's
Flexible Benefits Site
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