DENTAL PLAN:

             Eligibility
           Deductible and Co-Insurance Percentage
           Summary Plan Description
           Dental Claim Forms 
                            

Eligibility
Employees working at least 25 hours a week are eligible for the dental plan. An Employee will be covered under the Plan the first of the month following 30 days of employment.

Dependent coverage will take effect on the day that the Eligibility Requirement is met. A dependent is considered an employees' spouse or child. (See the Summary Plan Description for the definition of a dependent.)

Deductible and Co-insurance Percentage
The dental insurance includes a $50 deductible for single coverage and $150 for family coverage per calendar year.

Co-insurance varies according to the type of treatment. Preventative services are paid at 100% of R & C (reasonable & customary) charges; this includes oral exams and cleaning two times per calendar year. Basic Services are covered at 80%, after the deductible. Major Services are covered at 50%, after the deductible. Orthodontic Services are available to Dependent Child to age 19. Orthodontic Services are covered at 50% after the deductible with a lifetime maximum benefit of $1,000.

Please Note: There is no Preferred Provider Program for dentists at this time.

UMR is Palmer’s third party administrator for the Dental Plan.

Employee Contribution

The cost of coverage is deducted pre-tax from the employee’s paycheck in equal installments each pay period

PPO Plan -  Included with health care premium. 

Kaiser -      Single Plan $6.00/month        Family Plan $13.00/month