Health Care Reform

Available Options

Certified Optimum Coverage (add-on)

Certified Optimum Coverage is a way to get the best out of your pediatric benefits.

  • Benefits
  • Causes virtually no disruption to current benefits or network
  • Limits out of pocket expenses for enrolled pediatric dependents
  • Can be added to any standalone PPO Dental plan
  • Features
  • Rider provides the highest coinsurance and lowest individual deductible combination for covered services
  • Waiting period for Medically Necessary Orthodontics is waived for groups who currently purchase Cosmetic Orthodontics

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Pediatric Smart Savings (add-on)

Pediatric Smart Savings allows groups to save on their rates by removing duplicate preventive coverage.

  • Benefits
  • Reduction in standalone dental premiums
  • Virtually no disruption to member’s current benefits or network
  • Members under the age of 19 will be covered under medical plan and standalone dental plan without being subject to medical plan deductibles and out-of-pocket maximums
  • Features
  • Members over age 19 maintain their dental benefits
  • Members under the age of 19 can receive dental services without having to satisfy a medical deductible or pay double for preventive services
  • For members under the age of 19, basic and major services will be covered under the standalone dental plan.

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