Dental Insurance
OU offers you a choice of two plans depending on the level of coverage you and your family may need: the Delta Basic Plan and the Delta Alternative Plan. Both plans cover preventive, basic, and major services, but they differ in how they pay for covered services. Under each plan, you can visit any licensed dentist.
Delta Dental Highlights
- Large network coverage in the Delta Dental Premier Network.
- Orthodontia is covered up to $1500 lifetime maximum per individual participant (children and adults). This applies to orthodontia work occurring after January 1, 2009.
- Most implants can now be covered under either plan and are subject to the deductible and the annual maximum benefit payment that applies to the specific class of covered dental services. Due to the complexity of implant coverage, it is advised that implant coverage be discussed between your dental provider and Delta Dental.
Delta Dental Networks
Delta Dental's benefits in both the Basic and Alternative plans are available for both in-network and out-of-network dental providers. Both plans use the same networks which are described below.
If you see a dental provider in the Delta PPO network, the discounts to you are greatest, though the network is smaller. The Delta Premier network contains most dental providers in Oklahoma. Services from dental providers in the Premier network are not as discounted as those from the PPO network. The major benefit of using the Delta Premier Network instead of non-participating dental providers is that providers in the Premier Network have agreed not to balance-bill you. This means they will not charge you the difference between what Delta Dental pays them and what they normally might charge. See 'Plan Highlights' in the sidebar for more details. Find out if your dental provider is in the network.
|
|
