Concordia PPO Benefit Summary - United Concordia

Concordia PPO Benefit Summary
• Members may utilize participating and/or nonparticipating providers
• Members can not be balance-billed when utilizing in-network providers
• Deductibles and maximums apply
• Claim submission is required for services provided by nonparticipating (out-of-network) providers
• Orthodontia benefits are available for dependent children only
• If you have any questions about this plan, please contact Customer Service at 1-888-638-3384
Benefit Category
In-Network
Plan Pays*
Class I—Diagnostic and Preventive (Excluded from Annual Program Maximum)
Exams
All X-Rays
Cleanings
(includes 1 additional cleaning during pregnancy)
Fluoride Treatments
Sealants
Palliative Treatment
Class II—Basic Services
Basic Restorative
Space Maintainers
Endodontics
Nonsurgical Periodontics
Repairs of Crowns, Inlays, Onlays, Bridges and Dentures
Simple Extractions
Surgical Periodontics
Complex Oral Surgery
General Anesthesia and/or IV Sedation
Class III—Major Restorative
Inlays, Onlays, Crowns
Implants
Prosthetics
Orthodontics (dependent children only)
* Plan payments, member coinsurances and deductibles are based on the maximum allowable charge.
In-Network dentists accept the maximum allowable charge as payment-in-full.
** Members utilizing out-of-network providers may be subject to balance billing by their provider.
Out-of-Network
Plan Pays**
100% 100%
70% 70%
50% 50%
Diagnostic, Active, Retention Treatment 50% 50%
Deductibles and Maximums
$50/$150 Deductible (excluding Class I – Diagnostic and Preventive services, and
Class IV – Orthodontic Services)
$1,500 Contract Maximum per Member during the period of July 1st – June 30th (excludes covered
Class I services)
$2,000 Lifetime Orthodontia Maximum for dependent children. Orthodontic coverage for
dependent children will cease at the end of the month in which the child turns 25.
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EXCLUSIONS – DPPO Plan
Schedule of Exclusions and Limitations – PPO
SCHEDULE OF EXCLUSIONS AND LIMITATIONS
Except as specifically provided in the Certificate, Schedules of Benefits or Riders to the Certificate, no coverage will be
provided for services, supplies or charges:
STMD (07/09)
1. Not specifically listed as a Covered Service on
the Schedule of Benefits and those listed as not
covered on the Schedule of Benefits.
2. Which are necessary due to patient neglect, lack
of cooperation with the treating dentist or failure
to comply with a professionally prescribed
Treatment Plan.
3. Started prior to the Member’s Effective Date or
after the Termination Date of coverage with the
Company, including, but not limited to multi-visit
procedures such as endodontics, crowns,
bridges, inlays, onlays, and dentures.
4. Services or supplies that are not deemed
generally accepted standards of dental
treatment.
5. For hospitalization costs.
6. For prescription or non-prescription drugs,
vitamins, or dietary supplements.
7. Administration of nitrous oxide, general
anesthesia and i.v. sedation, unless specifically
indicated on the Schedule of Benefits.
8. Which are Cosmetic in nature as determined by
the Company, including, but not limited to
bleaching, veneer facings, personalization or
characterization of crowns, bridges and/or
dentures.
9. Elective procedures including but not limited to
the prophylactic extraction of third molars.
10. For the following which are not included as
orthodontic benefits - retreatment of orthodontic
cases, changes in orthodontic treatment
necessitated by patient neglect, or repair of an
orthodontic appliance.
11. For congenital mouth malformations or skeletal
imbalances, including, but not limited to
treatment related to cleft lip or cleft palate,
disharmony of facial bone, or required as the
result of orthognathic surgery including
orthodontic treatment.
12. For dental implants including placement and
restoration of implants unless specifically
covered under a rider to the Certificate.
13. For oral or maxillofacial services including but
not limited to associated hospital, facility,
anesthesia, and radiographic imaging even if the
condition requiring these services involves part
of the body other than the mouth or teeth.
14. Diagnostic services and treatment of jaw joint
problems by any method unless specifically
covered under a Rider to the Certificate. These
jaw joint problems include but are not limited to
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such conditions as temporomandibular joint
disorder (TMD) and craniomandibular disorders
or other conditions of the joint linking the jaw
bone and the complex of muscles, nerves and
other tissues related to the joint.
15. For treatment of fractures and dislocations of the
jaw.
16. For treatment of malignancies or neoplasms.
17. Services and/or appliances that alter the vertical
dimension, including but not limited to, full mouth
rehabilitation, splinting, fillings to restore tooth
structure lost from attrition, erosion or abrasion,
appliances or any other method.
18. Replacement of lost, stolen or damaged
prosthetic or orthodontic appliances.
19. For broken appointments.
20. For house or hospital calls for dental services.
21. Replacement of existing crowns, onlays, bridges
and dentures that are or can be made
serviceable.
22. Preventive restorations in the absence of dental
disease.
23. Periodontal splinting of teeth by any method.
24. For duplicate dentures, prosthetic devices or any
other duplicative device.
25. For services determined to be furnished as a
result of a prohibited referral. “Prohibited
referral” means a referral prohibited by
Section 1-302 of the Health Occupations
Article. Prohibited referrals are referrals of a
patient to an entity in which the referring
dentist, or the dentist’s immediate family: (a)
owns a beneficial interest; or (b) has a
compensation arrangement. The dentist’s
immediate family includes the spouse, child,
child’s spouse, parent, spouse’s parent,
sibling, or sibling’s spouse of the dentist, or
that dentist in combination.
26. For which in the absence of insurance the
Member would incur no charge.
27. For plaque control programs, oral hygiene,
and dietary instructions.
28. For any condition caused by or resulting from
declared or undeclared war or act thereof, or
resulting from service in the national guard or
in the armed forces of any country or
international authority.
29. For training and/or appliance to correct or
control harmful habits, including, but not

deciduous molars and permanent first molars,
or deciduous molars and permanent first
molars that have not, or will not develop.
8. Prefabricated stainless steel crowns - one per
limited to, muscle training therapy
31. Which
tooth per
are
lifetime
not
for
Dentally
age fourteen
Necessary
years and
as
(myofunctional therapy).
younger.
determined by the Company.
30. For any claims submitted to the Company by the
9.
32.
Crown
For prosthetic
lengthening
services
- one
including
per tooth
but
per
not
lifetime.
limited
Member or on behalf of the Member in excess of
to full or partial dentures or fixed bridges, if such
twelve (12) months after the date of service.
10. Periodontal services replace maintenance one or more following teeth missing active
limited to, muscle training therapy
31. Which are not Dentally Necessary as
prior
Failure to furnish the claim within the time
periodontal to the Member's therapy eligibility – two under per twelve the Company. months in
(myofunctional therapy).
determined by the Company.
required does not invalidate or reduce a claim if
addition to routine prophylaxis.
For Group Policies issued and delivered in
30. For it any was claims not reasonably submitted to possible the Company to submit by the the
32. For prosthetic services including but not limited
11. Periodontal Maryland, this scaling exclusion and root does planing not - one apply per
Member
to
claim within or on behalf the required of the Member time, if in the excess claim of is
to full or partial dentures or fixed bridges, if such
two
furnished as soon as reasonably possible and,
prosthetic year period services per area placed of the five mouth.
twelve (12) months after the date of service.
services replace one or more teeth years missing after prior the
Failure except to in furnish the absence the claim of legal within capacity the time of the
12. to Placement Member’s the Member's Effective or eligibility replacement Date under for of services. the single Company. crowns,
required Member, does not not later invalidate than 1 or year reduce from a claim the time if
inlays, onlays, single and abutment buildups
For Group Policies issued and delivered in
it claim was not is otherwise reasonably required. possible to submit the
and post and cores, bridges, full and partial
Maryland, this exclusion does not apply to
claim within the required time, if the claim is
dentures – one within five years of their
furnished as soon as reasonably possible and,
prosthetic
placement.
services placed five years after the
except in the absence of legal capacity of the
Member’s Effective Date for services.
LIMITATIONS Member, - DPPO not later than 1 year from the time
13. Denture relining, rebasing or adjustments - are
claim is otherwise required.
included in the denture charges if provided
within six months of insertion by the same
The following services will be subject to limitations as set forth below:
dentist.
1. Full mouth x-rays – one every five years.
14. Subsequent primary posterior denture molars. relining or rebasing –
2. One set(s) of bitewing x-rays per six months
limited to one every three year(s) thereafter.
18. Root canal treatment and retreatment – one
through age thirteen, and one set(s) of
15. Surgical per tooth periodontal lifetime. procedures - one per two
bitewing x-rays per twelve months
for age
year period per area of the mouth.
19. Recementations by the same dentist who
fourteen and older.
16. Sealants initially inserted - one per the crown tooth per or bridge three during year(s)
the
3. Periodic oral evaluation – two per consecutive
through first twelve age months fifteen are on included permanent in the first crown and
or
LIMITATIONS - DPPO
twelve month period.
second bridge molars.
benefit, then one per twelve months
thereafter; one per twelve months for other
The 4. following Limited services oral evaluation will be subject (problem to limitations focused) – as set forth below: 17. Pulpal therapy - through age five on primary
than the dentist who initially inserted the crown
limited to one per dentist per twelve months.
anterior teeth and through age eleven on
or bridge.
1. 5.
Full Prophylaxis
mouth x-rays –
– two
one per
every twelve
five years.
consecutive
primary posterior molars.
STMD (07/09)
20. Replacement restorations – limited to one per
2. One month set(s) period. of bitewing One (1) x-rays additional per for six Members months
18. Root twelve canal months. treatment and retreatment – one
through under the age care thirteen, of a medical and professional one set(s) during of
per tooth per lifetime.
bitewing pregnancy. x-rays per twelve months for age
21. Contiguous surface posterior restorations not
19. Recementations involving the occlusal by the surface same will dentist be payable who
6.
fourteen Fluoride
and treatment
older.
– two per consecutive
initially as one inserted surface the restoration. crown or bridge during the
3. Periodic twelve month oral evaluation period. – two per consecutive
first twelve months are included in the crown or
7.
twelve Space
month maintainers
period.
22. - only eligible for Members
bridge Posts benefit, are only then covered one per as twelve part of months a post
through age eighteen when used to maintain
thereafter; buildup. one per twelve months for other
4. Limited oral evaluation (problem focused) –
space as a result of prematurely lost
23.
than An
the Alternate
dentist Benefit
who initially Provision
inserted (ABP)
the crown
limited to one per dentist per twelve months.
will be
deciduous molars and permanent first molars,
or applied
bridge.
if a dental condition can be treated by
5. Prophylaxis or deciduous – two molars per and twelve permanent consecutive
first
20. Replacement means of restorations a professionally – limited to acceptable one per
month molars period. that have One not, (1) or additional will not develop. for Members
twelve procedure months.
which is less costly than the
under the care of a medical professional during
treatment recommended by the dentist. The
8. pregnancy.
Prefabricated stainless steel crowns - one per
21. Contiguous ABP does surface not commit posterior the member restorations the not
less
tooth per lifetime for age fourteen years and
involving costly treatment. the occlusal However, surface if will the member payable
6. Fluoride younger. treatment – two per consecutive
and
as the one dentist surface restoration.
twelve month period.
choose the more expensive
9. Crown lengthening - one per tooth per lifetime.
22. Posts treatment, are only the member covered is as responsible part of a for post
the
7. Space maintainers - only eligible for Members
additional charges beyond those allowed for
10. Periodontal maintenance following active
buildup.
through age eighteen when used to maintain
the ABP.
space periodontal as a therapy result – two of per prematurely twelve months lost
in
23. An Alternate Benefit Provision (ABP) will be
deciduous addition to molars routine and prophylaxis. permanent first molars,
applied if a dental condition can be treated by
11.
or Periodontal
deciduous scaling
molars and
and root
permanent planing - one
first
per
means of a professionally acceptable
molars two year
that period
have not, per area
or will of
not the
develop.
mouth.
procedure which is less costly than the
treatment recommended by the dentist. The
8. 12.
Prefabricated Placement or
stainless replacement
steel crowns of single
- one crowns,
per
ABP does not commit the member to the less
tooth inlays,
per onlays,
lifetime single
for age and
fourteen abutment
years buildups
and
costly treatment. However, if the member and
younger.
and post and cores, bridges, full and partial
the dentist choose the more expensive
9. Crown dentures lengthening – one - within one per five tooth years per lifetime.
of their
treatment, the member is responsible for the
placement.
additional charges beyond those allowed for
10. Periodontal maintenance following active
the ABP.
13. periodontal Denture relining, therapy rebasing – two per or twelve adjustments months - are in
STMD (07/09) addition included to routine the prophylaxis.
denture charges if provided
within six months of insertion by the same
11. Periodontal dentist. scaling and root planing - one per
two year period per area of the mouth.
14. Subsequent denture relining or rebasing –
12. Placement
STMD (07/09)
limited to one or replacement every three year(s) of single thereafter. crowns,
inlays, onlays, single and abutment buildups
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15. and Surgical post and periodontal cores, procedures bridges, full - and one partial
per two

United Concordia
Rider to Schedule of Benefits and
Schedule of Exclusions and Limitations
Implantology
This Rider is effective on July 1, 2009 and is attached to and made a part of the Schedule of
Benefits and Schedule of Exclusions and Limitations.
SCHEDULE OF BENEFITS
The Company will pay implantology benefits for eligible Members for the following Covered
Services equal to 50% of the Maximum Allowable Charge.
Implantology Services
Surgical Services
D6010 surgical placement of implant body: endosteal implant
D6040 surgical placement: eposteal implant
D6050 surgical placement: transosteal implant
D6100 implant removal, by report
Supporting Structures
D6055 dental implant supported connecting bar
D6056 prefabricated abutment – includes placement
D6057 custom abutment – includes placement
Implant/Abutment Supported Removable Dentures
D6053 implant/abutment supported removable denture for completely edentulous arch
D6054 implant/abutment supported removable denture for partially edentulous arch
Implant/Abutment Supported Fixed Dentures (Hybrid Prosthesis)
D6078 implant/abutment supported fixed denture for completely edentulous arch
D6079 implant/abutment supported fixed denture for partially edentulous arch
Single Crowns, Abutment Supported
D6058 abutment supported porcelain/ceramic crown
D6059 abutment supported porcelain fused to metal crown (high noble metal)
D6060 abutment supported porcelain fused to metal crown (predominantly base metal)
D6061 abutment supported porcelain fused to metal crown (noble metal)
D6062 abutment supported cast metal crown (high noble metal)
D6063 abutment supported cast metal crown (predominantly base metal)
D6064 abutment supported cast metal crown (noble metal)
D6094 abutment supported crown – (titanium)
Single Crowns, Implant Supported
D6065 implant supported porcelain/ceramic crown
D6066 implant supported porcelain fused to metal crown (titanium, titanium alloy, high noble metal)
D6067 implant supported metal crown (titanium, titanium alloy, high noble metal)
Fixed Partial Denture, Abutment Supported
D6068 abutment supported retainer for porcelain/ceramic FPD
D6069 abutment supported retainer for porcelain fused to metal FPD (high noble metal)
D6070 abutment supported retainer for porcelain fused to metal FPD (predominantly base metal)
D6071 abutment supported retainer for porcelain fused to metal FPD (noble metal)
D6072 abutment supported retainer for cast metal FPD (high noble metal)
D6073 abutment supported retainer for cast metal FPD (predominantly base metal)
D6074 abutment supported retainer for cast metal FPD (noble metal)
D6194 abutment supported retainer crown for FPD – (titanium)
R-Implant (03/07)
Current Dental Terminology © American Dental Association.
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Fixed Partial Denture, Implant Supported
D6075 implant supported retainer for ceramic FPD
D6076 implant supported retainer for porcelain fused to metal FPD (titanium, titanium alloy, or
high noble metal)
D6077 implant supported retainer for cast metal FPD (titanium, titanium alloy, or high noble
metal)
Other Repair Procedures
D7950 osseous, osteoperiosteal, or cartilage graft of the mandible or maxilla – autogenous or
nonautogenous, by report
D7951 sinus augmentation with bone or bone substitutes
D7953 bone replacement graft for ridge preservation – per site
Deductible(s)
The annual Deductibles indicated on the Schedule of Benefits will be applied to implantology
services.
Maximum(s)
The annual Maximum indicated on the Schedule of Benefits will be applied to implantology
services.
Waiting Period(s)
No Waiting Period will be applied to implantology services.
SCHEDULE OF EXCLUSIONS AND LIMITATIONS
The Schedule of Exclusions and Limitations is amended as follows:
Exclusions
Any exclusions relating to implantology services are deleted.
The following exclusion is added to the Schedule of Exclusions and Limitations:
Limitations
Implantology services are excluded if such services replace one (1) or more teeth
missing prior to Member’s eligibility under the Group Policy.
The following limitation does not apply to the above listed implantology procedures:
An alternate benefit provision (ABP) will be applied if a covered dental condition can be
treated by means of a professionally acceptable procedure which is less costly than the
treatment recommended by the dentist.
The following limitations are added to the Schedule of Exclusions and Limitations:
Implantology services are limited to one (1) per tooth per lifetime.
Implantology services are limited to Member’s age eighteen (18) and older.
R-Implant (03/07)
Current Dental Terminology © American Dental Association.
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