Dental Plan Highlights
The city offers two dental coverage options: the Dental Health Maintenance Organization and the Dental Indemnity plans. National Pacific Dental Inc. provides DHMO coverage and Spectera Insurance Company provides indemnity coverage.
Your dental benefits in both plans will remain the same through April 2006. However, the contract for the DHMO plan requires a contribution increase of almost 8 percent, the first increase in three years. The dental indemnity plan rates will stay the same.
A dental health maintenance organization is a network of dentists like an HMO that offers a comprehensive range of dental services for fixed copayments. With the DHMO, you choose a primary care dentist who will coordinate your care and refer you to specialists as needed. You must live in the service area to enroll in the DHMO.
National Pacific Dental DHMO dental plan brochures and election/change forms can be obtained from the human resources department. The brochures include a detailed list of procedures and copayments. Choose a primary dentist from the DHMO brochure, call National Pacific Dental customer service, (713) 861-8721, and register your dentist.
Counties in the DHMO:
A dental indemnity plan is a traditional dental plan that lets you receive a comprehensive range of dental services from the provider of your choice anywhere in the United States. You pay a percentage of charges for certain dental services and file a claim for reimbursement.
To use the plan:
The chart below shows
some of the services provided under the dental
indemnity plan. For a complete list of services
provided under this plan, refer to the City
of Houston Dental Indemnity Plan brochure.
In-network Preferred Dentist Option
If you are enrolled in the dental indemnity plan, you can reduce your out-of-pocket costs by using a preferred dentist. If you receive care from a preferred dentist or a network of dental providers, you will receive a discount on your dental services and have more money in your pocket.
As you can see in the chart below, if you use a preferred dentist, you will realize a considerable savings. The more costly the dental work, such as bridges or dentures, the more savings you will realize. Also, because all fees are reduced, you will receive more services before you reach the $1,000 annual maximum benefit.
The city’s In-network Preferred Dentist Option brochure provides information about this feature as well as a list of preferred dentists in the network. Ask your department human resources liaison for a brochure.
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