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SMILE
FEDERAL EMPLOYEE DENTAL INSURANCE
BENEFITS & COVERAGE
Enroll in the ONLY Federal
Employee Dental Benefit Programs that Provide COVERAGE for Your
Pre-Existing Dental Work PLACED BEFORE Your Effective Date Of The Federal
Employee OPM, FEHB, FEDVIP Dental Plans.
Enroll in the ONLY Federal
Employee Dental Benefits Program that Provides COVERAGE for Teeth Lost
or Missing BEFORE Your Effective Date Of The Federal Employee OPM, FEHB,
FEDVIP Dental Plans. If Teeth are Lost after enrolled in the Smile, Federal
Employee Dental Plan that are Adjacent to Teeth that were Missing, Lost or
Treated BEFORE your Effective Date, The Smile NALC - Federal Dental Plan
Provides Coverage for ALL Teeth Involved including the initial Placement or
Replacement of Bridgework or Dentures.
The NALC Smile - Federal Employees
Dental Health Benefits Programs are a "Freedom Of Choice", Traditional
Indemnity Dental Insurance Plan that allows Federal Employees To
USE ANY DENTIST or SPECIALIST. NO Hassling with Verifying a Dental
Office still Participates or is on a List of Dental Providers. Never Worry
about being Transferred to a Different Dentist or being "Out Of Network"
receiving Drastically Reduced Benefits. KEEP YOUR DENTIST! Establish a Long
Term Patient - Dentist Relationship and receive Quality Dental Health Care.
Four Tier Rate Structure offers
Lower Monthly Rates for Self plus Child(ren). Single Parents are not Forced
to pay the Family Premium Rates. Dependants are also covered an Extra Year,
to age 23 if full-time students.
Premiums are Eligible for Tax Free Reimbursement using
your HSA, HRA or LEX HCFSA.
).
Enroll in First Class Dental Insurance Plans! Three Plans to Choose
From. ALL Federal Employees are Eligible to participate including
Postal Employees, Non Postal Federal Employees, Federal Retirees, Spouses of
a Former Federal Employee, Deferred Annuitants, Compensationers and TCC
Enrollees.
YOU MUST USE THIS WEBSITE TO ENROLL IN THE SMILE - FEDERAL DENTAL
PLANS. YOU CANNOT ENROLL IN THE SMILE - FEDERAL DENTAL PROGRAMS AT
THE BENEFEDS WEBSITE.
FEDERAL
EMPLOYEE DENTAL VISION INSURANCE PROGRAM
ALL FEDERAL
EMPLOYEES, POSTAL & NON POSTAL FEDERAL EMPLOYEES,
FEDERAL RETIREES, ANNUITANTS, SURVIVOR ANNUITANTS
AND COMPENSATIONERS
DEFERRED
ANNUITANTS, FORMER SPOUSES AND TCC ENROLLEES ARE ELIGIBLE TO PARTICIPATE
FEDERAL DENTAL INSURANCE PLANS
ARE AVAILABLE IN 39 STATES ACROSS THE USA:
AL,
AK, AZ,
AR, CA,
CO, DE,
DC, GA,
HI, ID,
IL, IN,
IA, KS,
KY, LA,
MI, MN,
MS, MO,
MT, NE,
NV, NM,
NC, ND,
OH, OK,
OR, PA,
SC, TN,
TX, UT,
VA, WA,
WV, WI,
WY.
Federal Dental Plans Benefits - Highlights and Special Features
Be Sure to
Check-Out The Federal Employee Dental Plans Comparison Chart
!
Affordable Group Rates
A Non OPM, FEHB, FEDVIP Program
Freedom to USE ANY DENTIST
No List of Dentist to Worry About
OnLine 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% (after $50 ded.) for 2
Exams and 2 Cleaning Per Person Per 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 your Effective Date of The Dental Plan, First Day Coverage
Smile - Federal Dental will
Cover Teeth Missing or Lost Prior to The Federal Dental Plans Effective Date, a
Part of the Dental Plans Increasing Benefits provision.
NO Yearly NALC Associate
Membership Dues to Pay, to Enroll In Our Federal Dental Plans
NOT a Discount Plan, PPO,
HMO, POS, Closed Panel or DHMO Type of Dental Program
Choice of $750, $1,000 or
$1,500 Annual Maximum Benefit Pay-Out Per Covered Person Per Year. Family
Maximum Out of Pocket of Three Deductibles Per Family Per Year.Unlike the other
Federal Employee Insurance who's deductible is Per Person with No Family
Maximum.
Three Different Dental Benefits
Plans to Choose From with an OPTIONAL Vision Discount Program
available for $5 per month. Vision Plan is not Required.
Be Enrolled or Not Enrolled in
ANY FEHB Federal Employees Health Benefits Insurance Program, even if
Dental is included, and You are Still Eligible to Enroll Our Federal
Dental Benefits Program.
All Federal
Government Employees Non Postal and Postal Employees are Eligible,
Including Federal Retirees, Survivor Annuitants, Compensationers, Former
Spouses, TCC Enrollees and Deferred Annuitants.
CLICK HERE FOR A FREE RATE QUOTE
ON ALL THREE OF THE FEDERAL DENTAL PLANS
ONLINE ENROLLMENT FOR IN THE SMILE - FEDERAL DENTAL PLANS IS HERE ON THIS
WEBSITE.
FEDERAL EMPLOYEES ENROLL IN THE SMILE - FEDERAL DENTAL PROGRAMS AT
BENEFEDS.COM
ciscorp2@msn.com
ELIGIBILITY
in the OPM, FEDVIP, FEHB FEDERAL EMPLOYEE HEALTH BENEFITS PROGRAMS IS
NOT REQUIRED nor are you required to participate in the Letter Carriers NALC
Federal Employees Health Benefits Program. Federal Employees are NOT
Required to pay Annual NALC Associate Membership Dues to participate in Federal
Dental and Vision Plan.If the OPM, FEDVIP, FEHB Federal Health
Benefits Program you select include a Dental Programs, you Can Still
Participate in NALC - Federal Employees Dental Insurance Programs.
Federal Dental Insurance Plans will COORDINATE BENEFITS WITH ANY OTHER
FEDERAL DENTAL INSURANCE PLAN. The Letter Carriers NALC Smile - Federal
Employees Dental and Vision Plan can be your only Federal Dental Plan Coverage,
or Coordinate Benefits with another Federal Employees Dental Plan, which
could be part of your Benefed,OPM, FEDVIP, FEHB, Federal Employees Health
Benefits Program or an OPM, FEHB, FEDVIP, Dental Program..
Our Federal Dental Insurance Programs
are an Excellent Choice For Federal Employees Located in Rural Areas
where None or Very Few Dentist Offices participate with Any of the Dental HMO's
or PPO's. Accepting Insurance and Participating at a Discounted Fee on a List of
Dentist is often misunderstood. Dental Offices are aware that PPO Dental
Insurance Plans have "Out of Network" Benefits, although the Benefits are
Drastically Reduced or for Emergency Services Only.
Federal Employee Dental Insurance Programs have an Optional Vision Plan
for $5 per month. Our Federal Dental Insurance Plans are NOT
Discount Dental Programs, Pre-Paid Capitation Plans, PPO Network Programs, Point
Of Service Programs, Closed Panel Programs or Dental H.M.O. Programs. Unique
among the Federal BENEFEDS, OPM, FEHB, FEDVIP Dental Plans, The Smile
NALC - Federal Employee Dental Insurance Programs are the ONLY "Fee for Service"
Freedom of Choice, Traditional Indemnity Dental Insurance Programs offered to
Federal Employees.
THE Smile NALC - Federal Employee
Dental Insurance Programs have NO WAITING PERIODS for Benefits and pays 100%
(after $50 ded.) for Preventive Care from the Effective Date. The Dental
Insurance Programs include an Automatic Increasing Reimbursement Percentage
Benefit on the Basic Class B and the Major Class C Services. The
Federal Employee Dental Plans Automatic Increasing Benefit Provisions, are
meant to ward off Adverse Risk Selection, or enrollees seeking to enroll in the
Dental Insurance Plans only to get the Maximum Annual Payout then Drop Out of
the Dental Insurance Programs. These type of potential members only increase
claims and raise rates. Our Federal Employee Dental Insurance Plans
reward the insured members with Increasing Benefits and Additional Covered
Services for the members Continuation in the Dental Coverage. Members are
Assured access to the Necessary Preventive Care Twice Per Year and can establish
Long Term Patient - Dentist Relationships with a Quality Dentist of their
Choice. The NALC - Federal Employees Dental Plans will pay for initial
placement of fixed bridgework or dentures for natural teeth lost or
extracted while covered under the Plan and for Any Related Teeth Adjacent,
Missing or been Treated BEFORE your Coverage Effective Date. The other
Federal OPM, FEHB, BENEFEDS, FEDVIP Federal Dental Plans offer NO Coverage. Our
Federal Employees Dental Plan provides Coverage for Repair or Replacement,
of Already Placed Dental Work. Including removable or fixed prostheses (crowns,
inlays, onlays, bridges, partilals and dentures) Placedd BEFORE your
Federal Dental Plan Effective Date. A Benefit Most Anyone would Need if Dental
Work was performed in the Past. Existing Dental Work needs to be Maintained,
Existing Dental Work can fail and need to be replaced. Supportive teeth for
Already Placed Dental Work tend to develop problems too. Face it, Dental work
doesn't last forever.
First Class Dental Services Performed by the
Personal Dentist of Your Choice.
GOLD, SILVER or BRONZE CHOICE OF THREE DENTAL PLANS
The BRONZE
Dental Plan, one of Three Dental Plans to Choose From, is a Dental Plan designed
for Budgeting the Now High Cost of your Families Required Preventative Dental
Care, Twice Per Person Per Year. The BRONZE Dental Plan Pays 100% of your
Preventive Dental Care after a $50 Combined Deductible. Unlike the other Federal
OPM, FEDVIP, BENEFEDS, FEHB Dental Plans that Do Not offer a Family Deductible
Maximum and Deductibles are Per Person Per Year. The Maximum Combined Deductible
Out Of Pocket Charge included with all Three of the offered NALC - Federal
Dental Plans is Three Deductibles Per Family ($150) in a Calender Year. The
BRONZE Dental Plan is Great for Individuals and Families that don't foresee the
need for MAJOR Dental Services other then possibly fillings, x-rays or
oral surgery (including the extraction of wisdom teeth & Gen. Anst). The BRONZE
Dental Plan Option provides Dental Coverage for Preventive (class A) and Basic
(class B) Services at Very Affordable Monthly Rates. A Dental Insurance Program
for Individuals and Families, that don't wish to pay the Higher Premium Cost of
a Dental Insurance Plan that includes Major (class C) or (class D) Orthodontic
Services they most likely will not require. Without the Expensive Premium
Cost the BRONZE Dental Plan will Protect Members and Their Families from Future
Tooth Loss by Assuring members Access to Routine Dental Care, Twice Per Person
Per Year, from a Quality Dentist or Specialist of their Choice. Access to
Quality Routine Preventive Care, Twice Per Person Per Year is a key factor in
any successful Dental Health Maintenance Program.
The
GOLD and SILVER Dental Insurance Plan Options, as of the Effective Date Both
Dental Plans Pay 100% of your Preventive Dental Care, Twice Per Person Per Year,
after a $50 Combined Deductible. The Maximum Combined Deductible Charge is Three
Deductibles Per Family ($150) in a Calender Year. Both the GOLD and SILVER
Dental Plans 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 the Plan ;BENEFITS AUTOMATICALLY INCREASE to 40% for Basic Care Class B
and 25% for Major Class C Services. Beginning in the Twenty-Fift Month, BENEFITS
AUTOMATICALLY INCREASE AGAIN TO 60% for Basic Class B and 50% for
Major Class C Services. There is No Coverage Child Orthodontics (braces). See
Dental Plan Coverage Grid, on page four of our website for a sample policy.
CLICK HERE FOR DENTAL PLAN RATES AND THE ENROLLMENT PORTAL
FOR THE SMILE NALC FEDERAL DENTAL PLANS.
"Is Something Missing From Your Health Insurance?";
or
Feel Free To Give Us A Call or
Send Us an Email
@
ciscorp2@msn.com
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BENEFITS OFFERED BY OUR RELATED SPONSORED LINKS
The NALC
Voluntary Smile Dental Insurance Plan is a Non FEHB, OPM, FEDVIP, BENEFEDS Dental Program. The OPM, FEHB, FEDVIP, BENEFED Dental Programs are available from
links below WWW, GOV, OPM, FEDVIP, BENEFEDS DENTAL, OPM INSURE, FEHB HEALTH BENEFITS PROGRAMS are listed below. To enroll in the Smile NALC- Federal Dental Plans Use THIS Website to Enroll Not Benefeds com. Federal Employees CANNOT Enroll in the Smile- Federal Dental Plans at www Benefeds com. If you have any questions feel free to contact us.
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