For 2010, the CSU continues to offer eligible employees two dental plan coverage types: Delta Dental PPO, an indemnity plan; Delta Care USA, a pre-paid dental health maintenance association. There will be no increase in dental premiums for the 2010 plan year. The premiums continue to be fully paid by the CSU.
Employees enrolled in either Delta Dental PPO or DeltaCare USA may visit http://www.deltadentalins.com/csu for more information.
There are no changes to the dental plan benefits in 2010. Listed below are the changes that became effective in 2009, as announced at the last open enrollment period.
Implants Available through the Delta Dental PPO Plan
Beginning January 1, 2009, implants became covered under the prosthodontic benefit level (50 percent) and are subject to the plan's prosthodontic limitation (once every five years), as well as the plan's annual maximum and deductible. As an alternative to partial and full dentures and bridges, dental implants and related procedures offer enrollees and additional choice to replace lost teeth. Implant procedures include: Surgical placement of the implant (and removal, if necessary); implant-supported prosthetics (crowns); repairs and/or re-cementation.
Employees are encouraged to obtain a pre-determination of benefits from Delta Dental to determine Delta Dental's and the employees' share of the cost(s) relating to this service. This additional benefit is not available on the DeltaCare USA plan.
Frequency of Certain Dental Services Now Based on Calendar Year Cycle
Effective January 1, 2009, benefits for cleanings, examinations and bitewing x-rays are on a calendar year frequency rather than a rolling 12-month period. This means that any time during the calendar year, Delta Dental PPO and DeltaCare USA will pay for the following diagnostic and preventative: two examinations; two cleanings; two sets of bitewing x-rays for children under age 18 or one set of bitewing x-rays for adults age 18 or over.
When the new benefit period begins on January 1, 2010, any cleanings, examinations and/or bitewing x-rays that were paid for on behalf of the employee and/or eligible dependents in 2009, will not affect the enrollee's eligibility to receive those same services in 2010. For example, if an enrollee has a cleaning provided in November, 2009, that cleaning will not count as one of the two cleanings provided under the plan in 2010, even if the enrollee's first cleaning in 2010 is less than six months from the November 2009 cleaning.
The calendar year method of determining the eligibility for these benefits has made it easier for employees to manage their dental care.