Caring for your teeth should be part of a sound health care program. Yet such basic care can cost hundreds — if not thousands — of dollars annually. Now, you can enjoy important dental protection designed specifically to meet the needs of you and your family with this economical group dental insurance plan.

As a member of IEEE in good standing, you are entitled to enroll for quality Dental Insurance at economical group rates. Your association has negotiated these economical group rates for a dental plan that includes:

• You are GUARANTEED ACCEPTANCE
• You'll pay economical group rates
• Your benefits can be paid directly to you or the dentist
• Benefits for over 155 dental services
• Freedom to choose any dentist you want
• The Plan is portable, it goes with you even if you change jobs
• Includes orthodontics for dependent children under age 19

Visit the Tell Me More tab to learn more about this plan, then enroll for coverage today.

Here’s How The Plan Works

The plan provides benefits for diagnostic and preventive care as well as most forms of specialty dental treatment. You may go to any dentist you wish.

The Schedule of Covered Benefits identifies the maximum allowable benefit you and your dependents receive when a procedure is performed. The dollar amount assigned to each procedure is the maximum you receive, not to exceed actual charges. Under this Plan, you can request to have benefits paid either directly to the dentist or you can be reimbursed for the benefit.

Members And Eligible Dependents May Enroll

You and your eligible dependents may enroll for coverage. Eligible dependents include a lawful spouse and dependent children typically under age 21 (age 25 if a full–time student). (Subject to state variations.). All persons who were previously insured for dental insurance under this plan and later voluntarily ended insurance will not be eligible to re-enroll for a period of two years following the date insurance was voluntarily ended.

Dental Plan Features

Annual Maximums
You and your covered dependents are entitled to receive up to $1,000 maximum in dental benefits each calendar year after the cash deductible is satisfied. A lifetime maximum benefit of $850 applies to orthodontic benefits for insured dependent children under age 19.

Deductibles
The calendar year deductible is $50 per insured person, up to the $150 maximum per family unit. It is applied against insurance–covered expenses, not billed charges.

Waiting Period
Preventive, Diagnostic, Restorative and Adjunctive Services are provided immediately. Endodontics and Oral Surgery have a 6–month waiting period. All other benefits have a 12–month waiting period. Once you have been enrolled under the plan for 12 consecutive months, you are eligible for benefits under Restorative–Major, Periodontics, Prosthetics–Removable and Fixed Bridge. Insured dependent children under age 19 qualify for orthodontic coverage after a 12 month waiting period.

Competitive Rates
Rates for your Insurance will not be changed unless they are changed for all insureds within your classification.

Payment Options
You are able to choose between two premium payment options, whichever one best suits your needs.

Option 1: Pay through Automatic Monthly Check Withdrawal. This saves you the time spent writing checks and remembering due dates.

Option 2: Pay through direct billing on a quarterly basis. All billing modes except annual will include a $2.00 billing fee. To avoid the fee, select Automatic Monthly Check Withdrawal as a safe and secure payment option.

Other Important Information

Effective Date
Your coverage will be effective the first day of the month following receipt of your Enrollment Form and first premium. Some services are subject to a 6 or 12 month waiting period; see "Waiting Period" section above.

When Coverage Terminates
Your dental coverage will be terminated only if you cease to be a member of your association; you fail to pay the appropriate premium when due; or the group policy is discontinued. Coverage for dependents will end if your insurance ends, dependents’ insurance ends under the group policy, the person ceases to be a dependent or premium is not paid for the dependent when due.

Certificate Of Insurance
When you become insured, you will be sent a Certificate of Insurance summarizing the provisions of the Plan under which you are insured. You will have 30 days from the date of receipt to review the Certificate of Insurance. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full.

Payment And Claims
Under the IEEE Group Insurance Dental Plan, you can request that the benefits be paid either directly to your dentist, or you can be reimbursed for the benefit. Once you are accepted into the Plan, you will have a 31–day grace period for your payment of renewal premiums.

This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106, domiciled in the state of New York with a principal place of business of 70 Pine Street New York, NY 10270. It is currently authorized to transact business in all states plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G–227,745, Form. No. G–19000. Coverage may vary or may not be available in all states.

The underwriting risks, financial and contractual obligations and support functions associated with products issued by The United States Life Insurance Company in the City of New York (United States Life) are its responsibility.

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