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Dental Plans

Delta Dental Plan - Schedule of Benefits

In addition to the limitations and exclusions listed in this “Schedule of Benefits” section, the “General Limitations and Exclusions” section also applies.

Type A – Preventive and Diagnostic Services

  1. Preventive – prophylaxis (cleaning), topical application of fluoride, and space maintainers.
  2. Diagnostic – oral examination and X-rays to aid the dentist in planning required dental treatment.
Limitations and Exclusions on Preventive and Diagnostic Benefits

  1. Two oral exams and cleanings, to include periodontal maintenance procedures, in any 12-month period.
  2. Full mouth X-rays are covered once within 3 years, unless special need is shown.
  3. Two sets of bite-wing X-rays in a 12-month period.
  4. Topical application of fluoride for members up to 19 years of age.
  5. Adult prophylaxis for members under 14 years of age is not allowed.
  6. Space maintainers for members more than 14 years of age are not allowed.

Type B – Basic Services

  1. Oral Surgery – extractions and other surgical procedures (including pre- and postoperative care).
  2. General Anesthesia & I.V. Sedation – only when administered by a properly licensed dentist in a dental office in conjunction with covered surgery procedures or when necessary due to concurrent medical conditions.
  3. Endodontia – treatment of the dental pulp (root canal procedures).
  4. Periodontia – treatment of the gums and bones that surround the tooth.
  5. Denture Repairs – services to repair complete or partial dentures.
  6. Basic Restorations – amalgams (silver fillings), composites (white fillings) and prefabricated stainless steel crown restorations for the treatment of decay.
  7. Sealants – resin filling used to seal grooves and pits on the chewing surface of permanent molar teeth.
  8. Occlusal guards.
Limitations and Exclusions on Basic Benefits
  1. Restorative benefits are allowed once per surface in a 24-month period, regardless of the number or combinations of procedures requested or performed.
  2. Payment for root canal treatment includes charges for X-rays and temporary restorations. Root canal treatment is limited to once in a 24-month period by the same dentist or dental office.
  3. Payment for periodontal surgery shall include charges for three months postoperative care and any surgical re-entry for a three-year period. Root planing, curettage and osseous surgery are not a benefit for members under 14 years of age.
  4. The replacement, by the same dentist or dental office, of amalgam or composite restorations within 24 months is not a benefit.
  5. The replacement of a stainless steel crown on a primary tooth by the same dentist or dental office within a 24-month period of the initial placement is not a benefit.
  6. The replacement of a stainless steel crown on a permanent tooth by the same dentist or dental office within a 60-month period of the initial placement is not a benefit.
  7. Gold foil restorations are an Optional Service.
  8. Porcelain, composite, and metal inlays are Optional Services.
  9. A sealant is a benefit only on the unrestored, decay-free chewing surface of the maxillary (upper) and mandibular (lower) permanent first and second molars. Sealants are only a benefit on members under 16 years of age. Only one benefit will be allowed for each tooth within a lifetime.

Type C – Major Services

  1. Cast RestorationsCrowns and onlays are benefits for the treatment of visible decay and fractures of hard tooth structure when teeth are so badly damaged that they cannot be restored with amalgam or composite restorations.
  2. ProsthodonicsProcedures for construction of fixed bridges, partial or complete dentures and repair of fixed bridges.
  3. Complete or Partial Denture Reline – Chair side or laboratory procedure to improve the fit of the appliance to the tissue (gums).
  4. Complete or Partial Denture Rebase – Laboratory replacement of the acrylic base of the appliance.

Limitations and Exclusions on Major Benefits

  1. Replacement of crowns or cast restorations received in the previous five years is not a benefit. Payment for cast restorations shall include charges for preparations of tooth and gingiva, crown build-up, impression, temporary restoration and any re-cementation by the same dentist within a 12-month period.
  2. A cast restoration on a tooth that can be restored with an amalgam or composite restoration is not a benefit.
  3. Procedures for purely cosmetic reasons are not benefits.
  4. Porcelain, gold or veneer crowns for Children under 12 years of age are not a benefit.
  5. Replacement of any fixed bridges, or partial or complete dentures, that the member received in the previous five years is not a benefit.
  6. Payment for a complete or partial denture shall include charges for any necessary adjustment within a six-month period. Payment for a reline or rebase of a partial or complete denture is limited to once in a three-year period and includes all adjustments required for six months after delivery.
  7. Payment for standard dentures is limited to the maximum allowable fee for a standard partial or complete denture. A standard denture means a removable appliance to replace missing natural, permanent teeth. A standard denture is made by conventional means from acceptable materials. If a denture is constructed by specialized techniques and the fee is higher than the fee allowable for a standard denture, the patient is responsible for the difference.
  8. Payment for implants (artificial materials implanted into or on bone or gums) or their removal is not a benefit. However, an allowance for a standard complete or partial denture toward the cost of replacing multiple missing teeth will be made. For single tooth implants, Delta Dental will make an allowance for a crown but not for the placement of the implant.
  9. Payment for fixed bridges or cast partials for Children under 16 years of age is not a benefit.
  10. A posterior bridge where a partial denture is constructed in the same arch is not a covered benefit.
  11. Temporary partial dentures are a benefit only when upper anterior teeth are missing.

Type D – Orthodontic Services
Delta Dental will pay benefits for procedures using appliances to treat poor alignment of teeth and/or jaws. Such poor alignment must significantly interfere with function to be a benefit.

Limitations and Exclusions on Orthodontic Benefits

  1. Orthodontic benefits are limited to Eligible Dependent Children to age 24.
  2. Delta Dental shall make regular payments for orthodontic benefits.
  3. If orthodontic treatment began prior to enrolling in this plan, Delta Dental will begin benefits with the first payment due the orthodontist after the subscriber or covered Eligible Dependent becomes eligible.
  4. Benefits end with the next payment due the dentist after loss of eligibility or immediately if treatment stops.
  5. Benefits are not paid to repair or replace any orthodontic appliance received.
  6. Orthodontic benefits do not pay for extractions or other surgical procedures. However, these additional services may be covered under Preventive and Diagnostic or Basic Benefits.

Orthodontic Payment Method

  1. The initial payment (initial banding fee) made by Delta Dental for comprehensive treatment will be 33% of the total fee for treatment subject to your copayment percentage and lifetime maximum.
  2. Subsequent payments will be issued on a regular basis for continuing active orthodontic treatment. Payments will begin in the month following the appliance placement date and are subject to your copayment and lifetime maximum.