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Eligible employees can choose from two dental options:
- Prepaid Plan
- Preferred Dental Organization (PDO)
Each year during the fall transfer period, eligible employees can enroll in or transfer between dental options.
(Note: Local education and local government members should check with their agency benefits coordinator to see if dental insurance is available.)
The Prepaid plan is administered by Assurant Employee Benefits and provides services at predetermined copay amounts from a limited network of participating dentists and specialists. There is no deductible to meet, no claims to file, no referrals, no waiting period and no annual dollar maximum. Pre-existing conditions are covered.
To receive benefits, you must select a dentist from the Prepaid Plan list and notify Assurant of your selection. You can search for participating dentists at Assurant Employee Benefits — select the DentiCare Network.
Please note: There are some areas in the state where the network dentists are not available. Be sure to carefully review the provider directory.
Preferred Dental Organization (PDO)
The PDO plan is administered by Delta Dental and allows members to choose any dentist; however, you receive maximum benefits when using a network provider. No referrals are required and you or your dentist file claims for covered services. Some services require waiting periods (e.g., orthodontia) and limitations and exclusions apply.
You pay coinsurance for many covered services and your share is based on the "maximum allowable charge" (MAC) for a given service. You will pay less out-of-pocket when seeking care from a network provider because network dentists and specialists typically agree to the allowable charge up front. Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you.
You can search for participating dentists at Delta Dental TN — select the Delta Dental PPO network.
For more detailed information, member handbooks are available on the Benefits Administration website.