FEDERAL EMPLOYEE DENTAL AND VISION INSURANCE PROGRAM

ALL FEDERAL EMPLOYEES, POSTAL & NON POSTAL, FEDERAL RETIREES, ANNUITANTS, SURVIVOR ANNUITANTS AND COMPENSATIONERS

 DEFERRED ANNUITANTS, FORMER SPOUSES AND TCC ENROLLEES ARE ALSO ELIGIBLE TO PARTICIPATE 

 THE

FEDERAL DENTAL PLAN

Federal Employee Dental

Be Sure to Check-Out The Federal Employee Dental Plans Comparison Chart !

  Affordable Group Rates

A Non  OPM, FEHB, FEDVIP Program

Freedom to Choose Any Dentist

No List of Dentist to Worry About

On Line Internet Application and Issuance

No Waiting Periods, Coverage From the Start

$50 Calendar Year Deductible, Max. 3 per Family

No Predetermination of Benefits Required, Optional

Pays 100% for 2 Exams and 2 Cleaning Per Person Every Year

Automatic Increasing Benefits for Basic and Major Procedures

Coverage Includes the Replacement or Repair of Prosthetic Services (dentures, partials,crowns, onlay, inlay etc.) Placed Before the Effective Date of The Plan From Day One

Will Cover Missing Teeth Lost Prior to The Plan Effective Date as Part of the Plans Increasing Benefits

No Yearly Associate Membership Dues Added, To Enroll In The Plan

NOT a Discount Plan, BAR, PPO, HMO, POS, Closed Panel or DHMO Type of Program

Choice of  $750, $1,000 or $1,500 Cal. Yr. Maximum Per Covered Person And Each Covered Dependent, No Reduced Calendar Year Family Maximum

Three Different Dental Plans to Choose From with an Optional Vision Plus Discount Package for $5 per Month. Vision Plan not Required.

Be Enrolled or Not Enrolled in ANY Federal Employee Health Insurance, even if Dental is included, and You are Still Eligible to Enroll in The Dental Plan.

All Federal Government Employees and Postal Employees are Eligible, Including Federal Retirees, Survivor Annuitants, Compensationers, Former Spouses, TCC Enrollees and Deferred Annuitants.

Lower Monthly Premiums for Families. Since Orthodontic (braces) Coverage is NOT Included, This Would Increase Premiums for All Families That Join. Why be locked in and Pay for a Benefit You May Not Need, Orthodontic Options Also Have a Two Yr. Wait and a Lifetime Maximum that Can take an additional 18 to 24 Months for The Benefit to Pay Out, due to the 50% Benefit Level is Only Paid Out as Billed.

PRESS HERE FOR DENTAL PLAN RATES & ON LINE ENROLLMENT PORTAL. EMPLOYEES ENROLLING IN THE NALC DENTAL PLAN MUST ENROLL HERE AND NOT AT THE BENEFEDS PORTAL. 

  All Federal Government Employees, Postal Employees and Federal Retirees are welcome to participate in the Non OPM,  FEHB, FEDVIP Program.In addition if you are a Former Spouse,TCC Enrollees or Deferred Annuitant you are also welcome to participate in the Program. The NALC Letter Carriers Federal Employee Dental Plans are an on line enrollment open season and all federal employees that would like to enroll MUST enroll on THIS Web Site and not the BENEFEDS PORTAL SITE. You Cannot enroll in the NALC Dental Plan at The Benefeds Portal.  ELIGIBILITY in the OPM, FEHB  FEDERAL EMPLOYEE HEALTH BENEFIT PROGRAM IS NOT REQUIRED nor are you required to participate in the Letter Carriers Federal Employees NALC Health Benefits Program. Insured members enrolling are NOT Required to pay any  annual Associate Membership dues to participate in the Dental and Vision Plan. Even if the OPM FEHB Health Benefit Program you select includes Dental Coverage, you Can Still Participate in the Letter Carriers NALC Federal Employee Dental Insurance Plan. The NALC Federal Employee Dental  Plans will "COORDINATE BENEFITS WITH ANY OTHER DENTAL PLAN". The Letter Carriers NALC Federal Employee Dental and Vision Plan can stand alone and be your only dental coverage, and/or Coordinate Benefits with another Federal Employee Dental Program, which could be part of your OPM FEHB Health Benefit Program or a second OPM, FEHB, FEDVIP Dental Program of any type. Any insured Federal Employee covered under two plans, weather an insured indemnity or co-payment type of Dental Plan would realize a savings or reduced Out of Pocket expense after both Dental  Insurance Plans coordinated benefits with one another. Federal Employees insured with co-payment Dental HMO type Plans would have to use one of the providers that participate with their Dental HMO co-payment plan, in order to get the benefit of the reduced fee under that plan before submitting the remaining charges.

KEEP YOUR OWN DENTIST, NO PROVIDER LIST OR PARTICIPATING DENTIST  NETWORK   DIRECTORY TO WORRY ABOUT, OR HASSEL CHECKING TO VERIFY IF THE DENTIST STILL PARTICIPATES IN THE PLAN.

An Excellent Choice For Federal Employees Located where No or Very Few Dentist Offices participate or have Limited Access and can only get Emergency Care Benefits, reduceded Out of Network or No Benefits at all. Eliminate the hassle of having to check with a PPO Network and/or contacting  providers to verify if their dental office is still a member participating in the programs network. More important, eliminate any possibility of being Penalized by the Dental  Benefit Program because you are "Out of Network" and your Dental Plan pays a drastically reduced benefit, or no benefit,  and then getting Balanced Billed for the difference in the Dental Plans allowable fee plus the decreased reimbursement percentage. Eliminate this happening to you when a dental  facility informs you they Accept the Dental PPO Plan and find out the dental office will only accept the "Out of Network" benefit side of the program and not the "In Network" benefit side. These situations are embarrassing and waste a lot of time, forcing the insured to cancel the appointment upon arriving then having to reschedule with another Dentist or accept the reduced "Out of Network" benefit if seen by the dentist. Accepting insurance and Participating in the Dental Network is becoming more and more misunderstood by either the dental office or the insured member. The dental facilities are very aware that PPO Plans have "out of network" benefits, reduced coverage to the insured but the dentist is entitled to their normal fee for service. The insurance contract is between the insured member and the insurance company not the dental office and the insurance company, which leaves the insured with the responsibility of verifying the dental offices participation status and paying the difference in any  outstanding dental bill. JOIN the NALC Letter Carriers Federal Employee Dental Insurance Plan and never have to check the participation status of the Dentist or have to switch your entire family to a different Dentist Again. Enroll in a Dental Plan that allows you to establish a long term patient Dentist relationship with a Quality Dentist of your Choice. 

The NALC Letter Carriers Federal Employee Dental Plan has an optional Vision Program for those who may want a Vision Benefits. The Vision Plan is not required and is optional. The Federal Dental Plan is NOT a Discount Dental Program, Pre-Paid Capitation Plan, PPO Network, POS, Closed Panel or Dental HMO Program. Unique among the OPM, FEHB, FEDVIP Dental  Plans, The NALC Letter Carriers Indemnity Dental Program is  the only "Fee for Service" Freedom of Choice,Traditional  Indemnity Dental Plan available.

THE NALC Letter Carriers Indemnity Dental Plan Has NO WAITING PERIODS for Benefits and after the $50 deductible (max. of 3 deductibles per family.) The Dental Plan  Pays 100% for Preventive Class A Services. The Dental Plan  Includes an Automatic Increasing Reimbursement Percentage Benefit on Basic Class B and Major Class C Services. The NALC Letter Carriers Federal Employee Dental Plans, built in Automatic Increasing Benefit Provision, wards off Adverse Risk Selection, or enrollees seeking to join the Dental Plan and get the Maximum Annual Payout then Drop Out of the Program. These type of potential members only increase claims and raise rates to the current insured members, not allowing a voluntary Dental Plan to create a financial reserve in order to provide its members comprehensive benefits and stabilize  future rates. The NALC Federal Employee Dental Plan Rewards Insured Members with Increasing Benefit Reimbursement Percentages and also provides insured members with Additional Covered Services, not offered by the other Plans, for the Continuation of Coverage. Members are assured access to the Necessary Preventive Care and are able to establish Long Term patient dentist relationships with a Quality Dentist of their Choice. The NALC Federal Employees Dental Plans will pay for the initial placement of fixed bridgework or dentures for natural teeth that are lost or extracted while covered under the Plan, even if they are adjacent to teeth missing before coverage or an abutment to an existing bridge starting from the effective date, and cover the cost of the initial placement of fixed bridgework or dentures for the lost or missing teeth before the effective date of coverage. Unlike the other PPO network Dental Plans, the NALC Federal Employees Dental Plans provides coverage, as of your effective date, for your existing Dental work or all removable or fixed prostheses (crowns, inlays, onlays, bridges, partilals and dentures) placed before the effective date of the NALC Dental Plan Coverage. A benefit we all need, current existing Dental work needs to be maintained and can fail and need to be replaced, and supportive teeth can develope problems too.  

First Class Services that can be performed by the Personal Dentist of Your Choice.

GOLD, SILVER or BRONZE CHOICE OF THREE DENTAL PLANS

All Three of the NALC Federal Employee Dental Plans, the Gold Plan, Silver Plan and Bronze Plan, as of the Effective Date and after a $50 calender year Deductible (Maximum Charge of Three Deductibles per Family), each covered member is Eligible for 100% Reimbursement for Two Preventive Exams and Two Teeth Cleaning Per Person Each Calender Year. MEMBERS CAN BE REIMBURSED BACK MOST, THEN PAID, IN ANNUAL PREMIUMS, PENDING FAMILY SIZE, SIMPLY  BY SEEKING ROUTINE PREVENTIVE CARE TWICE PER PERSON PER CALENDER YEAR. Most Dental Insurance Plans actuarially factor into the monthly premium the utilization or claims cost of preventative care twice per year for the insured and their dependants. The NALC Federal Employee Dental Plans assure its members Access to the required Preventative Maintenance on a twice per year basis since the insured members can Use Any Dentist or Specialists and the dental office of your choice is always paid the normal "fee for service" in exchange for providing the care. The Bronze Plan, one of the Three Plans to Choose From, is an excellent Plan for budgeting the now High Cost of the required Preventative Care. The Bronze Plan is designed for Individuals and Families that don't foresee a need for Major dental services  other then fillings, x-rays or oral surgery (wisdom teeth). The Bronze Dental Plan Option provides coverage for Preventive (class A) and Basic (class B) services Only at a Very Affordable Monthly Rate. A Dental Insurance Program designed for Healthy Individuals and Families, that don't want to afford the higher premiums for a Dental Plan that includes Major (class C) and (class D) Orthodontic services. Many of our children today due to dental education, fluorinated water and dental products don't have the tooth decay children had twenty years ago and don't need a Dental Plan to include reimbursement of Major Dental Services. Without the higher premium cost the Bronze Plan will Protect Members and their Families from Future Tooth Loss and assures members Access to Routine Dental Care from a Quality Dentist of their choice. Access to Quality Routine Preventive Care, twice per year per covered insured is a key factor in any successful dental health program. The NALC Vision Program is OPTIONAL and the insured is not required to take the optional Vision coverage.

We recommend that you look closely at the other Dental Plans benefits, limitations, exclusions and time frequency limits on benefits in the Covered Benefits Sections (see comparison of dental insurance & questions to ask yourself) when comparing the NALC Federal Employee Dental Plans to the OPM, FEHB, FEDVIP Dentalvision Programs, before making your committed one year payroll deduction to a particular plan. The Letter Carriers Federal Employee Dental Plans allow its insured members to build and establish Long Term Patient Dentist relationships with a Dentist, without the worry of having to change Dentist, and the insured members are able to receive Specialty services from the Specialists of their choice or the Specialists they are referred to. When comparing the NALC Dental Plan, with optional Vision Program, keep in mind that the program, over the long run, is designed to provide quality care and at the same time maintain premium rate stability. The Dental Plans first year benefit for Major Class C services deters Adverse Risk Selection yet the Plans have No Waiting Periods for benefits, and provide 100% benefits for Preventive Care with Unlimited Access to Any Dentist. In addition, without the expensive premium rates and with a much lower risk of extreme future premium rate increases, that can be inherit to voluntary, employee paid, Dental Insurance Plans that are subject to adverse risk selection by the enrolling members. 

Any Dental Insurance Plan that walks into Major Claims and incurs Maximum Annual Benefit payouts from the start is destine for substantial rate increases, slow claim payments and over managed recommended treatment plan approvals that will only provide benefits to the insureds for "Alternate Treatment" which in many cases end up being disputed claims and appealed. A letter writing administration process that can continue for as long as 12 months in the event a second appeal is pursued. Voluntary, employee paid, Dental Insurance Plans that suffer severe adverse risk selection by the enrolling members, due to under market premiums  and endowed benefits, will find it difficult to continue to provide the same coverage level and pay insureds claims without increasing premium rates, reducing Plan Benefits, slowing the claims payout times, only approving and paying benefits for alternate treatment, utilizing the Companies financial reserves or withdrawing the Plan from market to prevent the Plan from continued financial loss. Insurance Companies have stock holders and after being in the Dental Insurance business for almost 30 years, I've seen this happen more then once. 

Many potential insureds put a pencil to the required annual premium payments and calculate their current dental needs to determine if the out of pocket cost, including the annual cost of the Plan, will be more or less then the Fee for Service cost for Exams and Cleaning without the insurance. Pre Paid capitation Dental Plan premium rates will, in most cases, be less then the cost for exams and cleanings, when compared to the fee for service cost or going without any coverage. Why? we don't crash our car every year or destroy insured property in an effort to recapture the premiums paid to the Insurance Company. Pre Paid Dental Plans shift the risk to the Dentist and the Dental Plan is an administrative function not subject to any true risk or paying of the potential claims. This type of comparison with any kind of Dental Insurance Program does not take into consideration the potential need for other Basic or Major services that might be needed now or unexpectedly in the future for which we insure against.

The Gold and Silver Dental Insurance Plan Options, as of the Effective Date of the policy will reimburse 20% for Basic class B and 10% for Major class C Services in the first twelve months of coverage. Starting in the thirteenth month of the Plan ;BENEFITS AUTOMATICALLY INCREASE to 40% for Basic Care (class B) and 25% for Major (class C) Services. After twenty four months, BENEFITS  AUTOMATICALLY  INCREASE AGAIN 

PRESS HERE FOR DENTAL PLAN RATES AND THE ENROLLMENT PORTAL FOR THE NALC DENTAL PLAN. FEDERAL EMPLOYEES ENROLLING IN HE NALC DENTAL PLAN MUST ENROLL HERE AND NOT AT THE BENEFEDS PORTAL. YOU CANNOT ENROLL IN THE NALC DENTAL PLAN AT BENEFEDS.

"Is Something Missing From Your Health Insurance?"