Dental Benefits: Put Your Benefits Where Your Mouth Is
Do you know how important your dental health is to your overall health? Your dentist can discover many things about your health during a dental examination. Oral examinations can detect acid reflux, cancer, signs of osteoporosis and anxiety disorders. It is also very important to monitor your dental health if you are diabetic, have asthma or take medication.
Your dentist may be able to find the first signs of a disease or illness during a routine visit. In addition, regular dental care can help you to prevent dental disease before it occurs, reducing the need for more invasive and costly treatment in the future. These are just a few reasons why it is very important to keep current with your dental health.
In 2009, Crozer-Keystone Health System paid $2.5 million in dental claims for the Basic and Enhanced dental plans, which are both administered by Delta Dental of PA. That equals approximately 20,000 claims processed by Delta Dental. While plan participants may use any dental provider, 90 percent received their care from participating providers, which reduces out-of-pocket expenses. The Choices dental plans offer two dental networks; they are Delta Dental Premier and Delta Dental PPO.
Both dental plans cover a full range of services, including two routine examinations a year. The Enhanced Dental Plan covers the full cost of eligible routine care, such as an examination, cleanings, X-rays, fluoride treatments and sealants for children, when the care is provided by a Delta Dental participating dentist. Plan participants pay the least out-of-pocket and increase their maximum annual coverage allowance from $1,500 to $1,750 when care is provided by a Delta Dental PPO provider. Both the Basic and Enhanced plans include a $1,000 per person lifetime maximum benefit for orthodontia.
Plan participants who need extensive dental work are encouraged to ask their dental provider to submit a pre-determination of benefits to Delta Dental in order to determine how much out-of-pocket expense will be incurred. If you expect to have extensive dental care or know that you will exceed the annual maximum benefit allowance, enrolling in a Medical Flexible Spending Account (FSA) during open enrollment can also help to reduce out-of-pocket expenses. A Medical FSA enables you use pre-tax dollars to pay for eligible dental, medical, vision and prescription drug expenses that are not covered under the plans or not paid in full, using a convenient AmeriHealth+ card.
“The Crozer-Keystone Choices dental plans are competitive with plans offered by other health systems and include low or no deductible, depending on the plan you elect. Crozer-Keystone Health System works very hard to provide medical, dental and vision benefits and provide the best care for our employees and their families,” says Eugene Zegar, vice president of Human Resources.
It’s easy to learn more about the dental plans or find a participating provider via the “My Health” page of www.crozerbenefits.org. You may also call Employee Benefit Services at (610) 595-6380 (or 19-6380) for additional information about dental coverage or a medical FSA.
This program supports the mission and goals of Wellness Works, which helps Crozer-Keystone employees achieve a healthy lifestyle through health promotion and disease prevention. Employees who participate in these programs may be eligible to receive credit on their Healthy Lifestyle Tracker. For more information about Wellness Works, contact Susan Winkles at (610) 595-6387 or 19-6387.