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FEDERAL EMPLOYEES DENTAL
INSURANCE
WITH
OPTIONAL VISION EYE PLAN
You asked for it, the Dental Plan delivered!
FEDERAL DENTAL PLANS
SPECIAL FEATURES
&
COVERED BENEFITS
Join the ONLY Federal Dental Plans Offered to Federal Employees
that includes COVERAGE Your Existing Removable or Fixed Prosthetics (crowns,
inlays, partials, bridgework, dentures) Placed Before The Effective Date of
Coverage, From Day One!
Enroll in the ONLY Federal
Employees Dental Plans that provides Coverage for Teeth Lost or Missing
Before The Effective Date of Coverage! Including the Initial Placement of
Prosthetics
Premiums are Eligible for Tax Free
Reimbursement Using Your HSA,
HRA or LEX HCFSA
(see IRS
Pub.502 Expenses Health-Savings-Account) Dental
Plan Premiums are not eligible for reimbursement under a HCFSA.(see
HSA comparison chart)
Enroll in the
ONLY Federal Employees Dental Plans that provides Coverage If You Lose A
Tooth, that is Next To a Tooth, that was Missing or Worked on Prior to the
Effective Date, BOTH or ALL Teeth Involved are Covered, Starting the First Day
of Coverage
Freedom of Choice, Federal Employees Can USE ANY DENTIST, No
Dentist Lists or PPO Networks to Hassle With or to Verify
Participation, No Need to Ever Worry That You Are Out of Network, or have to
Change Your Family to a Different Dentist.
Four-Tier Rate Structure includes a Lower Monthly Rates for Self plus Child or
Children the Plan does not Force a Single Parent with 2 or more Children to
pay the Higher Family Rates. Dependants are also covered an extra year to age 23
instead of 22 if full-time students.
Three Plans to
Choose From, Automatic Checking Account Draft or Direct Monthly Paper Bill. You
are Not required to pay online. Federal Employees Must Apply using a Link
on THIS Website not Benefeds. You CANNOT Join This Dental Plan at
BENEFEDS.COM DENTAL Portal. ALL Federal Employees, in 39 States,
are Eligible Including Non Postal Federal Employees, Federal Retirees,
Survivor and Former Spouses, Federal Annuitants, Compensationers and TCC
Enrollees.
Participate in A
First Class Dental Insurance That Provides Benefits for Your Already Placed
Existing Dental Procedures, Has No Waiting Periods, Provides 100% Coverage
(after ded.) For Preventive Care, offers a $1,500 per Person Annual Maximums and
allows You To KEEP YOUR DENTIST.
FEDERAL EMPLOYEES DENTAL PLANS
ARE AVAILABLE TO ALL FEDERAL EMPLOYEES, NON POSTAL
FEDERAL GOVERNMENT
EMPLOYEES AND FEDERAL RETIREES.
The
provided NALC Letter Carriers Federal Dental Insurance are OPEN, to ALL
Federal Employees and Non Postal Employees are Welcome to Join the
SMILE - Federal Dental Insurance Plans. Non Postal Federal Employees
are NOT REQUIRED TO PAY Any Dues and are NOT Required to become an Associate
Member to participate in these Federal Employees Dental Plans. Any
Federal Government Employees can participate in the offered NALC SMILE -
Federal Dental Insurance.
TO: All Federal Employees:
We
are starting our Fifth year with the Fee for Service, Freedom of Choice,
Voluntary Federal Employees Dental Plans with an Optional
Vision Program, and are pleased to announce the Dental Plans Enrollment
Rates have been Reduced for New Members and remain stable for current Members.
The Federal Dental Insurance Benefits remain unchanged. Some found the
Open Season confusing due to the new Voluntary OPM, FEHB,
BENEFEDS, FEDVIP Dental and Vision Insurance Programs. Many of
the Federal Employees were indecisive, after OPM provided the opportunity
for the Federal Employees to review and compare the OPM, FEHB, BENEFEDS,
FEDVIP Dental Plans and Vision Insurance Benefits. After The
OPM, FEHB,
BENEFEDS, FEDVIP Dental and Vision Insurance Plans were
made available we compared the Benefits to the NALC Federal Dental Insurance
and are happy to announce that our Non OPM, FEHB, BENEFEDS
FEDVIP Dental Plans and Vision Plan Benefits
and Rates are VERY COMPETITIVE. The Federal Employees are responisible for
paying the Entire Premium Cost of the
OPM, FEHB, BENEFEDS,FEDVIP Dental and Vision
Insurance Plans and we recomend that you take the time to review & compare the
results. (see
Comparison Chart of Federal Dental Insurance
) The Non, OPM, FEHB, BENEFEDS, FEDVIP Smile Dental
Insurance when compared to the OPM, FEHB, BENEFEDS, FEDVIP Dental
Insurance, The NALC Smile Federal Dental Plans have More Benefits and Coverage
such as, First Day Benefits for your existing, already Placed Dental Work. The
Smile Dental Insurance will also provide future benefits for teeth missing prior
to the effective date. The NALC has been providing voluntary dental and
vision insurance programs to its members for many, many years and
has experience with different Dental Insurance. The available NALC Non, OPM,
FEHB, FEDVIP, BENEFEDS, Dental Insurance Programs will continue to
be available and continue to offer Superior First Class Dental Benefits. The
NALC Federal Dental Insurance are the ONLY Freedom of Choice, Fee for
Service Federal Dental Plans offered to Federal Employees. The
Smile Federal Dental Plans assure its enrolled members the Freedom
to Select Any Licensed Dentist or Specialist, available in 39 States, without
the fear of ever being Out of Network and having your Dental Plans Benefits
Reduced or NO Covereage at all. In addition to Freedom of Choice, the NALC
Federal Employee Dental Plans Long Term Benefits, Plan Provisions, Time
Frequencies, Limitations and Exclusions are much more favorable then the
Benefeds Dental. The NALC Smile Federal Dental Plans include Benefits
and Coverge for Repairing and for Replacement of your Existing Prosthetic
Appliances (dentures, partials, fixed bridgework and crowns) starting on the
Policy Date of the Dental Plan. A Benefit the FEDVIP BENEFEDS
Dental Insurance Programs Do Not offer. The NALC Dental Insurance Plans
reward the Participants with Increasing Benefits and expanded coverage for the
Employees Continuation in the Dental Insurance .
Access to Quality Preventive Dental
Care paid at 100% from A Dentist or Specialist of the insureds Choice, gives
the members of the Smile, Federal Employee Dental Plans the Assurance
each Family Member will be able to make appointments and be seen to receive the
Preventative Care TWICE a year,per person, which is necessary to
maintain Excellent Dental Health, which every members' Family deserves. A key
factor to any Successful Voluntary, Employee Pays All Premium,
Dental Benefits Program. We recommend you review the Dental
Insurance Benefits closely and consider one of the NALC Smile, Federal
Employee Dental Plans with or without the Optional Vision Plan as your
Choice for a Federal Dental Plan for years to come. The Smile Dental
Plan allows its insured members to build and establish a Long Term, Patient
Dentist Relationship with a Dentist, without the worry of having to change or
transfer their family to a different Dentist because of the participation in a
PPO Network or List of Dentist. Insured Members are able to receive Specialty
Care Services from the Specialists of their Choice or the Specialists their
Dentist has a working relationship with and comfortably refers patients to.
When comparing the Federal
Employee Dental Plans keep in mind that the Dental Plans were designed
for the long run, meant to provide access to the Highest Quality Dental Care but
still maintain premium Rates and Benefit stability. The Dental Plans First 12
month Benefit for Major Class C Services is to deter whats known as, Adverse
Risk Selection, remembering the Dental Plan still has First Day Coverage and No
Waiting Periods. All Three of the Dental Plans offered provide a
100% Benefit for Preventive Care from the Start Date, after a Combined $50
Calendar Year Deductible with a Maximum charge of 3 Deductibles per Family. The
FEDVIP Benefeds Dental Plans Deductibles are Per Person and do
not have a Family Maximum. Members of the Smile, Federal Dental Insurance
can also USE ANY Quality Dental Office, Dentist or Specialists they desire to
receive dental services. There is No PPO Network or a List of participating
Dentist. Insured Members Never need to check or verify their Dentist
Participates or Still Participates with the Dental Plan. Never be Out of
Network, Never receive Reduced Benefits and Never have to Change Dentist.
PRESS HERE FOR SMILE FEDERAL DENTAL PLANS RATES and
The Enrollment Portal
All
Three, Gold, Silver and Bronze Dental Insurance Plans, from the effective date,
provide 100% for Preventive Services (after the $50 deductible, max. 3 per
family). Your Dentist is always paid their Normally Charged Fee For Service and
Not a Discounted, Reduced or Negotiated Allowable Network Fee for Preventive
Care or any other covered Dental Services. In addition, the NALC Federal
Employees Dental Insurance have NO WAITING PERIODS, and reimburse 20% for
Basic (class B) and 10% for Major (class C) in the First Twelve Months, then
Benefits Increase to 40% for Basic and 25% for Major Services, starting on the
Thirteenth Month. Benefits Increase Again to 60% for Basic and 50% for Major
Services on the Twenty Fifth Month and remain Thereafter. The Program was not
developed to fund Major Dental work which might be Needed NOW! None of the
Benefeds FEDVIP Insured PPO Dental Plans offered by FEDVIP, OPM will provide
coverage for Major Dental Services Needed NOW. The Benefeds Dental Plans Do Not
provide Benefits for Teeth Missing Prior to the Effective Date and Do Not Cover
Your Existing Dental procedures Placed before the Effective Date. None of the
PPO Insured Benefeds Dental Plans offered by FEDVIP, BENEFEDS, OPM will EVER
pay for any Teeth Lost Prior to the Effective Date, Not NOW and Not In The
Future, regardless of how long you are Insured under any of the FEDVIP, BENEFEDS
Dental Plans. All the Benefeds
FEDVIP Dental Insurance Plans offered will only Pay for Teeth you might lose
while covered under one of the FEDVIP Benefeds Dental Plans but
never any Teeth lost Prior to the effective date. Additionally, all FEDVIP
Benefeds Dental Plans will Not Provide Coverage for the Replacement or
Repair of any Dental Work Placed or installed Prior to the Benefeds >b
policy date.
The NALC Smile, Federal Dental Plan Provides Benefits for the Repair
or Replacement of Your Existing Dental work, prostheses or fixed beidgework,
crowns, inlays, dentures or partial dentures, you may currently have, and
were Placed Before the Effective Date of the Plan, Beginning on the First Day of
Coverage. Benefits under the SMILE - Federal Employee Dental Plan...if an
Insured loses or has a tooth extracted while covered under the NALC Smile Dental
Plans, the Program will provide coverage for the lost tooth and if necessary,
Waive the five year replacement ruling and Pay Benefits for a New fixed bridge,
partial or denture. The Dental Insurance will ALSO PAY Benefits if it involves
replacing a tooth you were Missing or lost Before the Effective Date. In
addition, the SMILE
FEDERAL DENTAL PLANS will pay for Teeth Missing Before the Effective Date
without losing a related tooth after 36 Months of continuous coverage under the
Plan. None of the Benefeds Dental Programs will Provide this Coverage.
Federal Employees needing a lot of
Dental work done NOW, the Dental HMO is available and the Dental HMO does not
have an Annual Maximum Benefit. Voluntary, Employee Paid, Dental Insurance
Plans, which are subject to Adverse Risk Selection by the Enrolling Employees,
or Dental Plans taking on Major Claims and incuring Maximum Annual Benefit
Payouts from the start are destine for substantial future rate
increases, slow claim payments and over managed claims.
Including predetermination Benefit reviews only being approved for the
Reduced Alternate Treatment Plan Benefits. Many which end up as disputed claims
and leaving the insured the Balance or difference in the least exspensive method
of treatment regardless of the method actually used. Appealed claims can drag
on six to sometimes twelve months if a second appeal is pursued by an insured
which creates a lot of administration and stress. A simple crown costing $800
dollars compared to an Alternate Treatment Plan Benefit Approval for a
large four surface filling costing $100 to $175 is a major financial
difference in how much the Dental Insurance Plan will reimburse, even if the
level of reimbursement is a higher percent of 80%, 90% or even 100%. Many Dental
Offices have an Office Policy: If the Procedure is Not a Covered Benefit under
the Patients Dental Insurance Plan, then the Patient must pay the Normal Retail
Fee For Service. The Dental Office is Not required to Honor the Discounted PPO
Network Fee because the Procedure is not a Covered Benefit under the Dental
Insurance Plan.
The NALC Smile, Federal Employee Dental Insurance Plan lower percent
of reimbursement for Major services in the First Twelve Months wards
off Adverse Risk Selection and potential enrollees seeking to get the Maximum
Annual Pay-Out then Drop-Out of the Plan. These type of enrollees only increase
claims cost which will Increase Rates for everyone in the Plan. The Increasing
Benefits feature stabilizes future premium rate increases
for current members and allows the Dental Plan to build up financial reserves to
provide more Benefits, such as the Benefit for Teeth Missing Prior to the
Effective Date of the Plan coverage after 36 months. The Benefeds Dental
Insurance Plans Do Not and Never Will provide Any Benefits for Teeth Missing
Prior to the Effective Date of the Benefeds Plans, muchless Dental Work
Placed before the Benefeds Policy Date.
The NALC Smile, Federal Dental Plans are Non OPM, FEHB,
BENEFED, FEDVIP Dental Insurance and can answer YES to any Qualifying
Life Event including cancellation of the Dental Insurance Plan outside of Open
Season. Insured Members are welcome to keep the Dental Plan Coverage if they
change jobs, retire or terminate employment. This Dental Plan Enrollment Portal
and Website is updated frequently to include any information to help you compare
and understand, as well as assist you in making a choice of the Dental Insurance
Plan that will best serve your Individual and Families Dental Health needs this
Open Season. The Website will post additional useful information during the Open
Season as it becomes available, so be sure to check back with us. We hope
you find the information on the web site to be useful and helps in making your
decision on which Dental Plan to select.
THE SMILE FEDERAL EMPLOYEE DENTAL PLAN and OPTIONAL VISION PLAN
IS AVAILABLE TO ALL FEDERAL EMPLOYEES IN 39 STATES:
AL, AK, AZ, AR,
CA, CO, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NM,
NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY
2007 Open Season
for The Dental Plans begins Nov. 12th - Dec. 10th. FEDERAL EMPLOYEES MUST
ENROLL USING A LINK ON THIS WEBSITE. YOU CANNOT ENROLL IN THE SMILE DENTAL PLAN
AT THE WWW.BENEFEDS.COM DENTAL WEBSITE
ENROLLMENT PORTAL Secure Internet
On-Line Enrollment Service. The Optional Vision Plan, cost an additional $5 per
month, and is Defaulted to YES, you must change the selection to NO if not
electing this coverage.
Members without computer access can enroll via telephone
@
623-465-8992.
Click Here for On Line Dental Plan Rates and Enrollment
"Is Something Missing From Your Health Insurance?"
JOIN NOW
! SAFE & SECURELY USING THE INTERNET !
APPLICATION & ISSUANCE ON-LINE - PRESS HERE
or
Feel Free To Give Us A Call
@
602-774-1558
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