Page 13 - United Capital EE Guide 2019-2020

DENTAL INSURANCE

TIPS FOR USING YOUR MEDICAL BENEFITS

UNDERSTAND YOUR PLAN.
Understanding your dental plan’s benefits, including how copays, deductibles, and calendar year maximum benefits work, is key
to getting the most value from your plan and avoiding surprises.

TAKE ADVANTAGE OF PREVENTIVE SERVICES OFFERED BY THE PLAN.
The least expensive way to maintain good oral health is to go to your dentist at least twice per year for an exam and cleaning.
Regular dentist visits can help prevent serious health problems such as oral diseases and cancers, and going to the dentist is more
affordable in the long run for those who are insured and take advantage of every service.

Our dental plans cover most preventive services at no charge to you. As an added bonus, on the PPO plans, the annual deductible
is waived for preventive services when using a network provider.

ASK FOR A PREDETERMINATION OF BENEFITS.
We strongly recommend you ask your dentist for a predetermination if total charges are expected to exceed $300. Predetermination
enables you and your dentist to know in advance what the payment will be for any service that may be in question.

SCHEDULE YOUR PROCEDURES TO MAKE THE MOST OF YOUR DENTAL COVERAGE.
As part of dental planning, you should consult with your dentist and, if possible, delay non-urgent procedures that would push
your out-of-pocket costs over your plan’s calendar year maximum benefit. If possible, plan your procedures in such a way that
your annual maximum renews itself in between stages.

DISCUSS ALTERNATIVE PROCEDURES WHEN NECESSARY.
By letting your dentist know that cost is an issue, he or she may be able to suggest alternative treatments that are less expensive
but just as effective.

EMPLOYEE ASSISTANCE PROGRAM

CIGNA | LIFE ASSISTANCE PROGRAM
The Employee Assistance Program (EAP) provides you and your household members with free, confidential assistance to help with
personal or professional problems that may interfere with work or family responsibilities and obligations. Services are available 24
hours a day, 7 days a week via a toll-free nationwide number. You and your household members can receive up to 3 counseling
sessions per person, per problem, per year.

ACESSING THE EAP:

Go to www.cignabehavioral.com/cgi or call (800) 538-3543 to be connected with an EAP counselor.

UNITED CAPITAL 2019-2020 13