New Employee Benefits Enrollment - Dow Corning
New Employee Benefits Enrollment - Dow Corning
New Employee Benefits Enrollment - Dow Corning
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DENTAL<br />
Coverage is effective on your first day of work. See Benefit <strong>Enrollment</strong> Information page for details on<br />
how to enroll for benefit coverage.<br />
After two months from your start date, if you fail to enroll in a dental plan, you will automatically be<br />
enrolled the Delta Dental Plan for <strong>Employee</strong> Only.<br />
Plan Highlights<br />
<strong>Dow</strong> <strong>Corning</strong> offers dental coverage through Delta Dental, the nation’s largest dental benefits system.<br />
The Delta Dental plan provides three levels of coverage, according to the dentist you select and the<br />
coverage level in which your dentist participates. The three levels of coverage are:<br />
� DeltaPreferred Option (DPO) – This provides the highest level of coverage. Delta Dental will<br />
pay the dentist directly (there are no claim forms to submit), based on the dentist’s submitted fee<br />
or the DPO fee schedule, whichever is less. If the Delta Dental plan amount is lower than the<br />
submitted fee, the dentist cannot charge you for the difference. You are only responsible for<br />
your co-insurance.<br />
� DeltaPremier (DP) – Compared to the DeltaPreferred Option, your coverage levels will be<br />
lower for some services, which means that your co-insurance will be higher. Delta Dental pays<br />
your participating dentist directly (there are no claim forms to submit), based on the dentist’s<br />
submitted fee or the non-DP fee schedule, whichever is less. If the Delta Dental plan amount is<br />
lower than the submitted fee, the dentist cannot charge you for the difference. You are only<br />
responsible for your co-insurance<br />
� Non-participating – You will be responsible for paying the dentist whatever he or she charges,<br />
at the time of your appointment. Your dentist may file the claim form for you. Delta Dental will<br />
send the plan-allowed reimbursement to you, based on the fee schedule for non-participating<br />
dentists. A non-participating dentist can bill you for the difference between the Delta Dental fee<br />
schedule and the dentist’s fee.<br />
You should know…<br />
� You can visit www.deltadentalmi.com to locate participating dentists in you area. Use this<br />
website no matter which state you reside in.<br />
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