Dental Plan Options
The Riverside County Electrical Health & Welfare Plan offers a choice of two dental plans: an insured plan with Delta Dental and a prepaid plan with Delta PMI.
With the Delta Dental Preferred Option DPO, you can use any dental provider for services. This plan contains a DPO dental network option that enables you to save money by using one of the contracting dentists. The DPO is a subset of dentists who are contracted with Delta Dental.
The Delta PMI plan requires you to receive all of your dental care through PMI dentists. There are no deductibles, and you make co-payments for certain services.
The chart below compares the two plans:
| Dental |
Delta Dental Preferred Option DPO
|
|
| Network |
You may visit any provider. Your benefits may be higher when you utilize DPO-contracted providers. |
You must visit a Delta PMI dentist for all your dental services. |
| Deductible - per calendar year |
DPO provider: $50
non-DPO: $100
non-Delta Dentist: $100
(3 per family)
|
None |
| Coinsurance - Preventive Care |
100% DPO and Delta Dentists (deductible does not apply); 90% non-Delta Dentists. |
None |
| Coinsurance - Basic & Major Services
|
Basic Services: 80% DPO and Delta Dentists/ 60% non-Delta dentists.
Restorative/ Prosthodontics: 80% DPO and Delta Dentists/50% non-Delta Dentists.
|
Various co-pays |
| Maximum Benefits Paid per Calendar Year |
$2,000 per person |
No maximum |
| Orthodontia |
50% coinsurance; $1,500 lifetime maximum |
Co-pay: $1,600 - child; $1,800 - adult plus retention charge |