Dental benefits provide coverage for preventative and diagnostic treatments to help pay for eligible dental procedures that are provided by a licensed dental professional.
Enhanced dental coverage is available under OMA’s Dental Plus plan including major services for procedures such as crowns and bridges and, after a one year waiting period, orthodontic coverage for children under the age of 19.
Co-insurance for dental insurance refers to the portion that is paid by the insurance company. For example, a 50% co-insurance means the insurer pays 50% and you pay 50%.
The plan year for Dental and Dental Plus is January 1st to December 31st. Your plan will automatically renew each year. 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.