The
benefits provided by the State Dental Plan are limited as shown in the
Dental Plan Features and as follows. For the purpose of this Plan, all
time limitations are measured from the date on which those services were
last supplied under the State Dental Plan.
Benefits for oral
exams are payable only twice in a Plan year.
Benefits for prophylaxes
(cleanings) are payable only three times in a Plan year and only two
times in a Plan year for the Scientific and Engineering Unit.
Benefits for bitewing
X-rays are payable only once in a Plan year. Benefits for full mouth
X-rays (which include bitewing X-rays) are payable only once in any
five-year period, unless necessary for the diagnosis and treatment of
a specific disease or injury. A panographic X-ray (including bitewings)
is considered a full mouth X-ray and is paid as such. A panographic
film in conjunction with a full mouth X-ray is not a separate benefit
when performed by the same dentist.
Benefits for space
maintainers are payable only for dependent children until their 14th
birthday.
Benefits for topically
applied fluorides are payable only for dependent children until their
19th birthday, except where special need is shown by the attending dentist.
Benefits for cast
restorations on the same tooth, including jackets, crowns, onlays and
associated procedures, such as cores and post substructures, are payable
only once in any five-year period.
Benefits for porcelain,
porcelain substrate and cast restorations are not payable for enrolled
dependents under 12 years of age.
An occlusal guard
is payable once in a lifetime.
Prosthodontic benefit
limitations:
a)Benefits forone complete upper and one complete lower denture are payable
only oncein any five-year period for any individual.
b)Benefits for
a partial denture, fixed bridge or removable bridge for any individual
are payable only once in any five-year period unless the loss of additional
teeth requires the construction of a new appliance.
c) Benefits for
fixed bridges and removable cast partials are not payable for people
under 16 years of age.
d) Benefits for
a reline or the complete replacement of denture base material are
payable only once in any three-year period for any individual.
Optional treatment:
In all cases in which the employee or eligible dependent selects a more
expensive service than is customarily provided, the Plan will pay onlythe applicable percentage of the fee for the service if any, thatis customarily provided. The employee or eligible dependent willbe responsible for the difference in cost.
Benefits for root
planing are payable only once in any two-year period. Benefits for periodontal
surgery, including sub-gingival curettage, are payable only once in
any three-year period.
Orthodontic benefit
limitations:
a) Orthodontic benefits
are payable for enrolled dependent children until their 19th birthday,
or until their 25th birthday if they are a full-time college student.
b) If the orthodontic treatment plan is terminated before completion
of the case for any reason, the State Dental Plans obligation
will cease with payment to the date of termination.
c) Orthodontic treatment may be terminated by the dentist, with written
notification to Delta Dental and to the patient, for lack of patient
interest and cooperation. The State Dental Plans obligation for
payment of benefits in those cases ends on the last day of the month
in which the patient was last treated.
d) Any charge for the replacement or repair of an orthodontic appliance
furnished under any Delta Dental plan will not be paid by the Plan and
will be the responsibility of the patient.
When services in
progress are interrupted and completed later by another dentist, claims
will be reviewed to determine the payment under the Plan, if any, to
each dentist.
Care terminated
due to the death of an employeeor dependent will be paid in
full, to the limit of the Plans liability, for the services completed
or in progress.
Delta Dental processing
policies, which may change periodically, may limit treatment.
Maximum payment:
a) The maximum benefit payable in any Plan year (October - September)
will be limited to $1,000 for each covered person. The following services,
if approved by Delta Dental, are exempt from the annual maximum: apicoectomy/periaradicular
surgery; retrograde filling; gingivectomy or gingivoplasty; gingival
flap procedure; crown lengthening; osseous surgery and graft; pedicle
soft tissue graft procedure; free soft tissue graft procedure (including
donor site); extraction of soft tissue impaction, partial bony impaction
and complete bony impaction; surgical removal of residual roots; surgical
exposure of impacted or unerupted tooth for orthodontic reasons; surgical
exposure of impacted or unerupted tooth to aid eruption; alveoloplasty;
frenulectomy (frenectomy or frenotomy); excision of hyperplastic tissue
and excision of periocoronial gingiva.
b) Delta Dental's payment for orthodontic (Class III) benefits will
be limited to a lifetime maximum of $1,500 for each eligible person.
The amount payable
under the State Dental Plan will take into account any coverage the
employee or eligibledependent has under any other employment-connected
plan. Benefits will be coordinated to provide maximum reimbursement
for expenses covered in part under either plan. Such coordination willbe consistent with the Michigan Coordination of Benefit Act or any
other applicable Michigan law for coordination of group health insurance
benefits. This provision applies only to employment-connected plans.
Benefits available through homeowner's liability coverage or individual
non-employment connected plans will not be subject to coordination.