Individual and Family Dental PPO Plan Coverage
- Freedom to choose any dentist
- Access to quality care at discounted fees
- Wide range of dental services
- Preventive and diagnostic coverage begins on your plan effective date
Only treatments and procedures listed and identified in the benefit schedules are covered.
Good oral health is a real quality of life issue, affecting both mental and physical wellness. UniCare Health Insurance Company of the Midwest (UniCare) offers the Individual and Family Dental PPO Plan to help keep your teeth healthy and your smile bright. The UniCare Individual and Family Dental PPO Plan gives you the option of going to any dentist you choose. Hundreds of dedicated independent professionals have contracted with UniCare to provide a wide range of dental services such as routine check-ups, cleanings, fillings, crowns and dental surgery.
The plan was designed with two goals in mind. The first and foremost is to promote good dental hygiene and preventive care, important elements in a total health care package. The second goal is to provide you with the dental care you need in a convenient, cost-conscious manner, thus providing many dental services at reduced costs.
The plan features low-cost preventive and diagnostic care, basic dental care, and a benefit schedule that can help you offset the high cost of major dental care. Please read the following information for details about how the plan works, benefit information and exclusions and limitations that apply.
How the Individual and Family Dental Plan Works
When you choose an independent contracting dentist, you will receive care at negotiated discounted rates—what we term “The UniCare Advantage.” Should you choose a noncontracting dentist, the plan still provides benefits, but your out-of-pocket expense may be greater, as the negotiated fees don’t apply to noncontracting dentists. You are responsible for any charges in excess of the stated benefit for both contracting and noncontracting dentists.
Your current dentist may be an independent contracting dentist. Before you choose a dentist, be sure to check the Provider Finder on the UniCare Web site at: www.unicare.com or call UniCare Dental Services at (888) 209-7852. It could save you money.
Calendar Year Deductible
You are responsible for a yearly $50 per person deductible, with a maximum of three deductibles ($150) per family, before your benefits for covered services are available. The calendar year deductible is waived for preventive and diagnostic services when rendered by a contracting dentist.
Calendar Year Maximum
Benefit All dental benefits are limited to a maximum $1,000 payment by UniCare for expenses incurred by each enrolled member during a calendar year. Waiting Periods Preventive and diagnostic care begins upon approval of your application. Coverage for basic care begins after six (6) continuous months and for major care after twelve (12) continuous months of coverage.
Customer Service
UniCare’s professional dedicated enrollment units are available to assist you and to answer any questions you may have about your plan. The toll-free number is listed on the dental plan identification card you will receive once your enrollment is approved.
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