2014 Dental Benefits Summary

Transcription

1 2014 Dental Benefits Summary

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3 ICUBA Dental Benefit Options from HumanaDental The dental coverage is offered, so you and your family can receive the important dental care you need for good health. You can choose from three different fully insured dental plans that best fit your needs. HumanaDental offers a Dental Health Maintenance Organization (DHMO) and Preferred Provider Organization (PPO) plan. Preventive Plus and High Option PPO Plans The High Option PPO and Preventive Plus dental plans offer you the convenience to see any dentist you choose. Keep in mind that using an In-Network dentist will cost you less than one that doesn t participate in the dental network. The plans have a deductible which must be met before the plan coverage begins. That deductible is waived for preventive care such as oral examinations, x-rays and cleanings. For other services after your deductible is met, you pay a percentage of the allowed amount; and the plan pays the rest. The annual maximum benefit on the High Option PPO Plan is $2,000 per person. For the High Option PPO Plan, adult/child orthodontia pays 50% (no deductible) of the covered orthodontia services, up to a $2,000 lifetime orthodontia maximum. The High Option PPO Plan also includes four regular preventive cleanings, two preventive periodontal cleanings, availability of composite fillings and an extended annual maximum benefit which provides 30% coinsurance on preventive, basic, and major treatments after the annual maximum is met, per plan year. The annual maximum on the Preventive Plus Plan is $1,000 per person. The Preventive Plus Plan is designed for people that would like their preventive and basic services covered, but not major treatment. Remember, non-participating dentists can bill you for charges above the amount covered by your Preventive Plus Plan. To ensure you do not receive additional charges, visit a participating PPO Network dentist. Prepaid 250CS DHMO Plan You and each of your covered dependents must select and be assigned to a participating primary care dentist (PCD) who participates in the HumanaDental Prepaid/DHMO network. Should your PCD recommend that you see a participating specialist (i.e., endodontist, oral surgeon, periodontist, pediatric dentist) no referral is necessary. You may select a HumanaDental DHMO participating specialist of your choice. The 250CS copayments are applicable at either a participating general dentist or a participating specialist. Please see the schedule of benefits for a listing of procedures covered under the plan. If a planned treatment is expected to cost more than $200, it is recommended that you send a dental treatment plan in prior to beginning treatment. You and/or your dentist will be notified of the benefits payable based upon the dental treatment plan. This is a summary only, please refer to your schedule of benefits for a complete listing of covered procedures. High Option PPO Preventive Plus DHMO Prepaid 250CS Plan Year Maximum Providers $2,000 $1,000 Unlimited In Network and Out of Network Providers In Network and Out of Network Providers Network Providers/Assignment Necessary Deductible $50 Individual/$150 Family $50 Individual/$150 Family N/A Benefit/Service Preventive Services Basic Services Major Services Orthodontia Adult and/or Child Orthodontia Lifetime Maximum for Each Member In Network Out of Network In Network and Out of Network Patient Pays Assigned Network Provider 100% 80% 100% You pay a pre set copay 80% after deductible 50% after deductible 50% 50% after deductible 30% after deductible 80% after deductible You pay a pre set copay Discount Available for In Network Providers Discount Available for In Network Providers You pay a pre set copay You pay a pre set copay $2,000 N/A Unlimited

4 Manage your plan at MyHumana Use MyHumana to manage your plan, understand your benefits, and take charge of your dental health. As a Humana Dental member, you can: Find network dentists Check claims history and status View coverage details Review plan benefit details Order a replacement identification card View estimates for services Exchange secure messages with Humana Registration is simple Have your Humana Dental identification card ready and go to Humanadental.com. Click on Register, then follow the instructions. We re here to help Call for Customer Care. Humana.com GN67523HD 0813

5 What s your dental IQ? Did you know that making regular preventive visits to your dentist can help detect problems throughout your body such as heart disease, diabetes, and stroke?* Your HumanaDental plan focuses on prevention, early detection, and education. Go to MyDentalIQ.com to find out how to improve your oral health You brush your teeth and floss daily and have regular dental checkups. What more can you do to improve your dental health? Go to MyDentalIQ.com and take a free dental health assessment. You ll answer a few questions to help evaluate your family history, general health, daily routine, and eating habits. You ll receive a score that immediately rates your dental knowledge, along with a personalized action plan and tips. You can even print a copy of your plan to discuss with your dentist. * Perio.org Humana.com GN51281HD 913

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7 HumanaDental PPO 09 (High Option) FLORIDA ICUBA If you use IN-NETWORK provider If you use OUT-OF-NETWORK provider Plan-year deductible (excludes orthodontia services) Annual maximum (excludes orthodontia services) Preventive services Oral examinations X-rays Cleanings (four per plan year) Topical fluoride treatment (through age 14, one per plan year) Sealants (through age 14) Periodontal cleanings (two per plan year) Basic services Space maintainers (through age 14) Emergency care for pain relief Basic oral surgery services - basic extractions of erupted tooth or root Fillings (amalgam or composite) Appliances for children (through age 14) Prefabricated stainless steel crowns Composite fillings for molars Periodontics Endodontics (root canal) Major services Crowns Inlays and onlays Bridgework Dentures Denture relines and rebases Denture repair and adjustments Complex surgical extractions - surgical removal of erupted tooth, impacted tooth, and tooth roots. Orthodontia Individual $50 Family $150 Individual $50 Family $150 $2,000 After you reach the annual maximum amount, you will receive 30 percent coinsurance on preventive, basic, and major services for the rest of the plan year. (Implants and orthodontia excluded.) 100% no deductible 80% no deductible of maximum allowed fee 80% after deductible 50% after deductible of maximum allowed fee 50% after deductible 30% after deductible of maximum allowed fee Adult/child orthodontia - Plan pays 50 percent (no deductible) of the covered orthodontia services, up to: $2,000 lifetime orthodontia maximum. Non-participating dentists can bill you for charges above the amount covered by your HumanaDental plan. To ensure you do not receive additional charges, visit a participating PPO Network dentist Humana.com SGB0077A

8 Extended Annual Maximum Not every dental visit is routine. HumanaDental s Extended Annual Maximum plans give you a valuable benefit and dental coverage when it s needed. Someday you could go into your dentist s office for a routine cleaning and checkup, but you find out there s a problem. When major dental work is needed, many of us don t expect or plan for it, but putting it off might not be an option and may cause problems to worsen. As an example, Kevin, a 40-year-old employee, goes to the dentist regularly. But rather unexpectedly, his dentist tells him there s an issue. He ll need a root canal and a crown, which are likely to cost more than his annual maximum benefit. With Extended Annual Maximum, Kevin has the benefits he needs when he needs them. As a part of HumanaDental s PPO High Plan, Extended Annual Maximum takes over after a plan s annual maximum benefit is reached. It gives employees 30 percent coinsurance on preventive, basic and major services, and it makes those unexpected and costly dental procedures such as root canals and crowns easier to afford. There is no cap on dollars that may be paid, which means you can take advantage of the benefit whenever it s needed within the plan year. Kevin has the high option PPO with a $50 deductible and has met his $2,000 annual maximum. Now he needs a root canal and a crown. Kevin submits a claim for $875 for the root canal and Extended Annual Maximum picks up 30 percent of the cost, or $ When Kevin later needs a crown, Extended Annual Maximum also pays 30 percent of that cost, $240. Dental Service Cost Humana Pays A root canal A crown $875 $800 $ $240 Example is for illustration only. Actual savings may vary. Implants and orthodontia excluded.

9 HumanaDental Preventive Plus 09 (Low Option) FLORIDA ICUBA Plan-year deductible (excludes orthodontia services) Annual maximum (excludes orthodontia services) Preventive services Oral examinations X-rays Cleanings Topical fluoride treatment (through age 14, one per plan year) Sealants (through age 14) Basic services Emergency care for pain relief Basic oral surgery services - basic extractions of erupted tooth or root Fillings (amalgams, composite for anterior teeth). Discount Services Basic services Space maintainers (through age 14) Appliances for children Prefabricated stainless steel crowns Major services Crowns Inlays and onlays Bridgework Dentures Denture relines and rebases Denture repair and adjustments Complex surgical extractions - surgical removal of erupted tooth, impacted tooth, and tooth roots Periodontics (gum therapy) Endodontics (root canals) Orthodontia services Adult and child orthodontia Individual $50 $1,000 Family $ % no deductible 80% after deductible Receive a discount on these services if you see participating dentists. These services are not covered under this plan. Out-of-pocket expenses do not apply to deductible and annual maximum. Non-participating dentists can bill you for charges above the amount covered by your HumanaDental plan. To ensure you do not receive additional charges, visit a participating PPO Network dentist. If a member sees an out-of-network dentist, the coinsurance level will apply to the maximum allowable fee Humana.com SGB0077A

10 HumanaDental Preventive Plus 09 Questions? Simply call to speak with a friendly, knowledgeable Customer Care specialist, or visit Humana.com. Feel good about choosing a HumanaDental plan Make regular dental visits a priority Regular cleanings can help manage problems throughout the body such as heart disease, diabetes, and stroke.* Your HumanaDental PPO plan focuses on prevention and early diagnosis, providing four exams and cleanings every plan year: two regular and two periodontal. * Go to MyDentalIQ.com Take a health risk assessment that immediately rates your dental health knowledge. You ll receive a personalized action plan with health tips. You can print a copy of your scorecard to discuss with your dentist at your next visit. Tips to ensure a healthy mouth Use a soft-bristled toothbrush Choose toothpaste with fluoride Brush for at least two minutes twice a day Floss daily Watch for signs of periodontal disease such as red, swollen, or tender gums Visit a dentist regularly for exams and cleanings Did you know that 74 percent of adult Americans believe an unattractive smile could hurt a person s chances for career success?* HumanaDental helps you feel good about your dental health so you can smile confidently. * American Academy of Cosmetic Dentistry Use your HumanaDental benefits Find a dentist With HumanaDental s PPO plan, you can see any dentist. You save an average of 28 percent when you visit a dentist in HumanaDental s PPO Network. To find a dentist in HumanaDental s PPO Network, log on to Humana.com or call Know what your plan covers The other side of this page provides a summary of HumanaDental benefits. Your plan certificate describes in detail your HumanaDental benefits. You can find it on MyHumana, your personal page at Humana.com or call See your dentist Your HumanaDental identification card contains all the information your dentist needs to submit your claims. Be sure to share it with the office staff when you arrive for your appointment. If you don t have your card, you can print proof of coverage at Humana.com. Learn what your plan paid After HumanaDental processes your dental claim, you will receive an explanation of benefits or claims receipt. It provides detailed information on covered dental services, amounts paid, plus any amount you may owe your dentist. You can also check the status of your claim on MyHumana at Humana.com or by calling Insured or administered by HumanaDental Insurance Company This is not a complete disclosure of plan qualifications and limitations. Your broker will provide you with specific limitations and exclusions as contained in the Regulatory and Technical Information Guide. Please review this information before applying for coverage. The amount of benefits provided depends upon the plan selected. Premiums will vary according to the selection made. Plan summary created on: 6/20/12 08:38 Policy Number: FL HD 3/08 et.al.

11 HumanaDental DHMO 250 CS Plan Use your HumanaDental benefits The HumanaDental CS Series dental plan has you covered for any circumstance. Whether you simply need quality routine dental care or unexpected dental treatment, you know what to expect with HumanaDental. No waiting periods No claims to file No annual maximums Know what your plan covers Attached is a summary of HumanaDental CS Series plan benefits which are described in detail in your certificate. You can find your certificate at HumanaDental.com or call Here s what you can expect: You have the freedom to select any participating dentist. To select a dental provider from our network, simply visit HumanaDental.com. Once there, you can also check your benefits, us and get a new or temporary ID card. If you prefer, contact us at Life without claim forms! With HumanaDental DHMO plan you pay your dentist directly, when applicable. Your primary dentist will provide all of your routine dental care and any copayment or discounted charges will be paid at the time of service. Copayments are applicable at either a participating general dentist or a participating specialist. Choose HumanaDental benefits Be healthy Good oral health means more than just an attractive smile. Research shows that oral health, preventive care and regular visits to the dentist is integral to overall health. For example, the Academy of General Dentistry says there is a link between gum disease and heart problems, and the American Academy of Periodontology says severe gum disease can increase blood sugar, increasing the risk among diabetics. The HumanaDental DHMO plan enables you to take better care of your teeth, and you ll pay less doing so. Check your dental IQ anytime Log on to MyDentalIQ.com and take the dental risk assessment that could help trim your total healthcare costs over time. Find out how you can improve your oral and overall health. The dental health risk assessment at MyDentalIQ.com takes minutes to complete, and immediately delivers a scorecard with health tips tailored to you. Questions? Check out HumanaDental.com Call anytime for the automated information line or 8 a.m. to 6 p.m. for a Customer Care specialist. GCA0AWGHH 4/13

12 HumanaDental DHMO 250 CS Plan The HumanaDental DHMO plans focus on maintaining oral health, prevention and cost-containment. A member may see a primary care dentist as often as necessary. There are no yearly maximums, no deductibles to meet and no waiting periods. CS plans copayments are applicable at either a participating general dentist or a participating specialist. Member costs listed here are for services provided by your chosen participating primary care dentist (PCD) only. As your dental professional, your PCD may decide that you need to see an contracted dental specialist. No referral is necessary to see a network specialist. Specialists services: Should you need a specialist, (i.e., endodontist, oral surgeon, periodontist, pediatric dentist), you may be referred by your participating general dentist, or you may refer yourself to any participating specialist. For CS plans, copayment amounts are applicable when treatment is performed by participating specialists. Summary of services Appointments D9310 Consultation (diagnostic service provided by dentist other than practitioner providing treatment)... $ D9430 Office visit (normal hours)... $ 5.00 D9440 Office visit (after regularly scheduled hours)... $ D9999 Emergency visit during regularly scheduled hours, by report.... $ D9999 Broken appointments (without 24 hr. notice, per 15 min) maximum $40 per broken appointment. No charge will be made due to emergencies.... $ Diagnostic D0120 Periodic oral examination... no charge D0140 Limited/comprehensive/detailed and extensive oral eval... no charge D0150 Limited/comprehensive/detailed and extensive oral eval... no charge D0160 Limited/comprehensive/detailed and extensive oral eval... no charge D0180 Comprehensive periodontal evaluation.... $ D0210 X-ray intraoral complete series including bitewings... no charge D0220 X-ray intraoral periapical, first radiographic image... no charge D0230 X-ray intraoral periapical, each additional radiographic image... no charge D0270 X-ray bitewing single radiographic image... no charge D0272 X-ray bitewings two radiographic images... no charge D0274 Bitewings four radiographic images... no charge D0330 Panoramic radiographic image... no charge D0460 Pulp vitality tests... no charge D0470 Diagnostic casts... no charge Preventive D1110 Prophylaxis adult, routine (once every 6 months)... no charge D1120 Prophylaxis child, routine (once every 6 months)... no charge D1110 Prophylaxis adult/child, (additional)... $ D1120 Prophylaxis adult/child, (additional)... $ D1206 Topical application of fluoride varnish (for child <16)... no charge D1208 Topical application of fluoride (not including prophylaxis) child (up to 16 years of age)... no charge D1330 Oral hygiene instruction... no charge D1351 Sealant-per tooth... $ D1510 Space maintainer fixed, unilateral... $ lab D1515 Space maintainer fixed, bilateral... $ lab D1520 Space maintainer removable, unilateral.. $ lab D1525 Space maintainer removable, bilateral... $ lab D1550 Recementation of space maintainer... $ Restorative D2140 Amalgam one surface, primary or permanent... $ D2150 Amalgam two surfaces, primary or permanent... $ D2160 Amalgam three surfaces, primary or permanent... $ D2161 Amalgam four or more surfaces, primary or permanent... $ D2940 Sedative filling... $ D2999 Sedative base (under fillings), by report.... no charge Resin restorative D2330 Resin based composite one surface, anterior. $ D2331 Resin based composite two surfaces, anterior.... $ D2332 Resin based composite three surfaces, anterior.... $ D2391 Resin based composite one surface, posterior... $ D2392 Resin based composite two surfaces, posterior... $ D2393 Resin based composite three surfaces, posterior... $ D2394 Resin based composite four or more surfaces, posterior... $ D2510 Inlay metallic, one surface... $ D2520 Inlay metallic, two surfaces... $ D2530 Inlay metallic, three or more surfaces... $ Crown and bridge D2740 Crown porcelain/ceramic substrate... $ lab D2750* Crown porcelain fused to high noble metal. $ D2751 Crown porcelain fused to predominantly base metal... $ GCA0AWGHH 4/13

13 D2752* Crown porcelain fused to noble metal...$ D2790* Crown full cast high noble metal...$ D2791 Crown full cast predominantly base metal. $ D2792* Crown full cast noble metal...$ D2910 Recement inlay...$ D2920 Recement crown...$ D2929 Crown prefabricated porcelain/ceramic crown - primary tooth...$ D2930 Prefabricated stainless steel crown primary tooth...$ D2950 Core buildup, including any pins...$ D2951 Pin retention per tooth, in addition to restoration...$ D2952 Cast post and core in addition to crown...$ lab D2953 Each additional cast post same tooth...$ lab D2954 Prefabricated post and core in addition to crown. $ D2962 Labial veneer (porcelain laminate) laboratory...$ lab Prosthodontics (fixed) D6210* Pontic cast high noble metal....$ D6211 Pontic cast predominantly base metal...$ D6212* Pontic cast noble metal...$ D6240* Pontic porcelain fused to high noble metal. $ D6241 Pontic porcelain fused to predominantly base metal...$ D6242* Pontic porcelain fused to noble metal...$ D6750* Crown porcelain fused to high noble metal. $ D6751 Crown porcelain fused to predominantly base metal...$ D6752* Crown porcelain fused to noble metal....$ D6790* Crown full cast high noble metal...$ D6791 Crown full cast predominantly base metal. $ D6792* Crown full cast noble metal....$ D6930 Recement fixed partial denture (per unit)....$ Endodontics D3220 Therapeutic pulpotomy...$ D3221 Pulpal debridement, primary and permanent teeth....$ D3310 Root canal therapy anterior (excluding final restoration)...$ D3320 Root canal therapy bicuspid (excluding final restoration)...$ D3330 Root canal therapy molar (excluding final restoration)...$ D3410 Apicoectomy/periradicular surgery anterior..$ Periodontics (gum treatment) D4210 Gingivectomy/gingivoplasty per quadrant...$ D4211 Gingivectomy/gingivoplasty per tooth....$ D4260 Osseous surgery, per quadrant...$ D4261 Osseous surgery 1 to 3 teeth, per quadrant. $ D4277 Free soft tissue graft procedure (including donor site surgery) - first tooth...$ D4278 Free soft tissue graft procedure (including donor site surgery), ea add l....$ D4341 Periodontal scaling and root planing, per quadrant...$ D4342 Periodontal scaling and root planing 1 to 3 teeth per quadrant...$ D4355 Full mouth debridement to enable comprehensive evaluation and diagnosis...$ D4381 Localized delivery of chemotherapeutic agents (per tooth)...$ D4910 Periodontal maintenance...$ Prosthodontics D5110 Complete denture maxillary...$ lab D5120 Complete denture mandibular....$ lab D5130 Immediate denture maxillary...$ lab D5140 Immediate denture mandibular... $ lab D5211 Maxillary partial denture resin base... $ lab D5212 Mandibular partial denture resin base... $ lab D5213 Maxillary partial denture cast metal framework, resin denture bases... $ lab D5214 Mandibular partial denture cast metal framework, resin denture bases... $ lab D5410 Adjust complete denture maxillary... $ D5411 Adjust complete denture mandibular... $ D5421 Adjust partial denture maxillary... $ D5422 Adjust partial denture mandibular... $ Repairs to prosthetics D5510 Repair broken complete denture base.... $ lab D5520 Replace missing or broken teeth complete denture (each tooth)... $ lab D5610 Repair resin denture base.... $ lab D5630 Repair or replace broken clasp... $ lab D5640 Replace broken teeth per tooth... $ lab D5650 Add tooth to existing partial denture.... $ lab D5730 Reline complete maxillary denture (chairside). $ D5731 Reline complete mandibular denture (chairside)... $ D5740 Reline maxillary partial denture (chairside).. $ D5741 Reline mandibular partial denture (chairside). $ D5750 Reline complete maxillary denture (laboratory). $ lab D5751 Reline complete mandibular denture (laboratory)... $ lab D5760 Reline maxillary partial denture (laboratory). $ lab D5761 Reline mandibular partial denture (laboratory). $ lab D5850 Tissue conditioning maxillary... $ D5851 Tissue conditioning mandibular.... $ Extractions/oral and maxillofacial surgery D7111 Coronal remnants, deciduous tooth... $ D7140 Extraction, erupted tooth or exposed tooth. $ D7210 Surgical removal of erupted tooth... $ D7220 Removal of impacted tooth soft tissue... $ D7230 Removal of impacted tooth partially bony. $ D7240 Removal of impacted tooth completely bony. $ D7250 Surgical removal of residual tooth roots... $ D7310 Alveoloplasty in conjunction with extractions per quadrant.... $ D7311 Alveoplasty in conjunction with extractions one to three teeth or tooth spaces, per quadrant... $ D7320 Alveoloplasty not in conjunction with extractions per quadrant.... $ D7321 Alveoplasty not in conjunction with extractions one to three teeth or tooth spaces, per quadrant... $ D7510 Incision and drainage of abscess intraoral. $ Anesthesia D9215 Local anesthesia... no charge D9230 Analgesia (nitrous oxide), per 15 minutes... $ GCA0AWGHH 4/13

14 Adjunctive general services D9450 Case presentation, detailed and extensive treatment planning.... no charge D9951 Occlusal adjustment limited... $ D9952 Occlusal adjustment complete... $ Orthodontics D8070 Comprehensive orthodontic treatment of the transitional/adolescent dentition; Children up to 19 years of age; Up to 24 months of routine orthodontic treatment for Class I and Class II cases Consultation... no charge Evaluation... $ Records/treatment planning... $ Orthodontic treatment... $ 1, D8080 Comprehensive orthodontic treatment of the transitional/adolescent dentition; Children up to 19 years of age; Up to 24 months of routine orthodontic treatment for Class I and Class II cases Consultation... no charge Evaluation.... $ Records/treatment planning... $ Orthodontic treatment... $ 1, D8090 Comprehensive orthodontic treatment of the adult dentition; Adult 19 years of age and over Up to 24 months of routine orthodontic treatment for Class I and Class II cases Consultation... no charge Evaluation.... $ Records/treatment planning... $ Orthodontic treatment... $ 2, D8680 Retention... $ * The above copayments do not include the additional cost of precious (high noble) and semi-precious (noble) metal. The additional cost of precious metal shall not exceed $125 per unit and $75 per unit for semi-precious metal. Note: Not all participating dentists perform all listed procedures, including amalgams. Please consult your dentist prior to treatment for availabilty of services. Unlisted procedures are available at certain participating dentists usual fee less 25%. Visit HumanaDental.com to find a participating dentist who offers the discount on non-covered services. When crown and/or bridgework exceeds six units in the same treatment plan, the patient may be charged an additional $50 per unit. If you break your appointment with your dentist without 24-hour advance notice, you will be subject to your dentist s broken appointment fee. Additional exclusions and limitations are listed along with full plan information in your certificate of benefits. Insured or administered by Humana Insurance Company, The Dental Concern, Inc., CompBenefits Dental, Inc., CompBenefits of Alabama, Inc., CompBenefits of Georgia, Inc., or CompBenefits Insurance Company. Humana.com GCA0AWGHH 4/13

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16 Relationships are built on trust. Respect for an individual s privacy goes a long way toward building trust. Humana values our relationship with you, and we take your personal privacy seriously. Humana s Notice of Privacy Practices outlines how Humana may use or disclose your personal and health information. It also tells how we protect this information. The notice provides an explanation of your rights concerning your information, including how you can access this information and how to limit access to your information. In addition, it provides instructions on how to file a privacy complaint with Humana or to exercise any of your rights regarding your information. If you d like a copy of Humana s Notice of Privacy Practices, you can request a copy by: Visiting Humana.com and clicking the Privacy Practices link at the bottom of the home page ing us at privacyoffice@humana.com Sending a written request to: Humana Privacy Office P.O. Box 1438 Louisville, KY 40202