Dental benefits include coverage for preventative and diagnostic treatments to help plan members and their
dependents pay for eligible dental procedures that are provided by a licensed dental professional.
Dental Plus is enhanced coverage that includes Major Services for procedures such as crowns and bridges
and, after a one year waiting period, orthodontic coverage. This waiting period is in place to prevent antiselection
of the plan.
Co-insurance for health and dental insurance refers to the portion that is paid by the insurance company.
For example, a 90% co-insurance means the insurer pays 90% and you pay 10%.
The plan year for Dental and Dental Plus is January 1st to December 31st. You have 180 days after the end of the benefit year (December 31st) to submit your claim expenses that were incurred during that benefit year.
For details on converting between Dental and Dental Plus, see your benefits booklet or contact one of our OMA Insurance Service Representatives who will be happy to help you.