Union Dental Corp. and your Association of Flight Attendants union
leaders have signed an agreement to provide a network of dentists utilizing
insurance supplied to you by your employer. THIS NETWORK IS NOT A SECONDARY
DENTAL INSURANCE. All dental claims are processed through the airlines’
dental insurance company.
Another example would be the UCR for a root canal (code 3330) which
is $975. The dentist in the UDC network would only charge $646. If the
dentist you select is in the PDP network of providers for your insurance
provider, then the cost of the Root Canal is even less and you will
save more. In addition to those savings, you can use the coupons in
this brochure and save even more money. When you have used your maximum
benefits in a given year, our dentists will only charge you the $646
for the crown and NOT the UCR of $925. Any procedure will be performed
at a savings to you by benefit of your union membership.
AFA Members may use any provider in any state at anytime and receive
the same benefits. This may be beneficial to extended families or dependents
away at college. Uninsured and extended family members may also take
advantage of this program, its benefits and the coupons offered because
you are an AFA member.
| ALL
UNINSURED, RETIREES, AND EXTENDED FAMILY MEMBERS |
The Union Dental network of dentists
will charge you only the fees in the Program Outline (see www.afadental.com)
for the procedures outlined because you are an AFA member or retired
member. These savings are a significant discount (sometimes more
than 25%) from Usual, Customary and Reasonable (UCR) fees charged
at their dental offices.
Click
here for the Complete Plan Outline!
(Adobe Acrobat Reader is required)
|
| DHMO SUBSCRIBERS |
Our Union Dental/Smilecare Dental offices in California and Nevada
will accept your insurance at any of their locations. Just Contact
your plan administrator and select Smilecare. |
 |
Insurance provider is United
Healthcare Services. They have a $50 deductible for employee and
$150 deductible for family. Most preventive procedures are covered
100% and all other work is 50%. |
 |
Insurance provider is Humana
Dental. They have a $25 deductible for employee and $75 deductible
for family. Preventative, Basic and Major procedures are covered
at 80%. The annual maximum is $1250 per person. Additional lifetime
Orthodontia coverage is $1,500 per person. |
 |
Benefit package insurance carrier is Dental Dental
– Hawaii Dental Service. Preventative is covered at 100% and
most other services are covered at 75%. Please refer to your Dental
Plan Summary for maximum yearly allowable amount. Orthodontia for
Flight Attendants and dependents through age 18 or 23 (full time
students) covered at 60% with a lifetime maximum of $1500. |
 |
Insurance carrier is Met
Life. There is a $50 deductible for employee and $150 deductible
for family. Most preventive procedures are covered 100% and all
other work is 50%. Annual maximum is $1,000 per person. Additional
lifetime Orthodontia coverage of $1,500 per person. |
 |
Insurance carrier is Aetna.
$25 for employee and $50 deductible for family. There is a separate
$100 deductible for orthodontia. Yearly maximum benefit $1,500 per
person. There is a $2,000 lifetime orthodontia maximum benefit.
The Plan pays 80% of covered charges for allowed procedures for
both dental and orthodontic work. |
 |
Insurance carrier is Met
Life. There is a $50 annual deductible per person. The annual maximum
benefit is $1,000 per person. Preventative services are covered
at 80%. Basic, Major and Orthodontia Services are covered at 50%.
There is an additional $1,500 Maximum Lifetime benefit per dependent
child for Orthodontia. |
 |
Insurance carrier is MetLife.
There are two levels of coverage; high option and low option.
High Option: In-network and out-of-network are essentially the same.
Both have deductibles of $50 for Preventive services and $150 for
Basic and Major services. Preventive services are covered at 100%.
Basic services are covered at 80% (70% out-of-network). Major services
are covered at 50%. Annual benefit maximum is $1,000 per person.
Orthodontia lifetime maximum is $1,000 per person.
Low Option: In-network: No deductible. Preventive services are
covered at 100%; Basic services are covered at 50%; and Major
services are covered at 30%. 35% coverage for orthodontia. $1,000
per person annual maximum. $1,000 per person lifetime maximum
for orthodontia. Out-of-network: Deductibles of $100/300 (indiv./family).
Preventive services are covered at 70%; Basic services are covered
at 40% and Major services are covered at 20%. 20% coverage for
orthodontia. $500 per person annual maximum. $500 per person lifetime
maximum. |
 |
|
 |
Benefit package insurance
carrier is Delta Dental. PPO Plan with 100% coverage of preventive
services. Most other services covered at 70% (Prosthodontics at
50%). No annual benefit maximum. Orthodontia for Flight Attendants
and dependents though age 18 or 22. Covered at 60% with a lifetime
maximum of $1,500. |
 |
Insurance carrier is United
Health Group. There is a deductible of $50/individual. The deductible
applies to all services except Preventive and Major Care. Preventive
care is paid at 100%, Basic at 80%, and Major at 50%. Calendar maximum
benefit is $2,000. Note: Orthodontia is not described in the listed
services. |
 |
Insurance carrier is First
Health Dental Guard. Mesa has two programs. One is a PPO and the
other is the Non-PPO. PPO annual deductibles are $50/individual
and $150/family. The PPO annual maximum benefit is $1,500 per individual.
The Non-PPO deductibles are$100/individual and $200/family. The
Non-PPO annual maximum benefit is $1,000 per individual. Orthodontia
dependents to age 19 years only) benefit limits are $2,000 in the
PPO and $1,500 in the Non-PPO program.
Services and % coverage for PPO and Non-PPO are as follows:
| Preventive |
100% |
80% |
| Basic |
80% |
60% |
| Major |
50% |
50% |
| Orthodontic |
50% |
40% |
|
 |
Insurance carrier is United
Health Group. There is a two tier plan. Level 1 covers full time
employees after 90 days of service or part-time employees who have
2 years of service or 2000 hours. Level II benefits are available
for employees who have been covered under level I for at least 12
months. The higher benefit becomes effective the following January
1. Level I benefits include: $75 deductible for preventive services.
There is a $150 deductible for Basic, Major restorative, Prosthodontic,
and Orthodontic expenses; 100% coverage of preventive services;
70% (after deductible) for Basic services; 50% (after deductible)
for Prosthodontic services; Major restorative and Orthodontia is
NOT covered. There is a $500 calendar year maximum benefit. Level
II benefits include: $25 deductible for preventive services. There
is a $50 deductible for Basic; Major restorative, Prosthodontic,
and Orthodontic expenses. There is 100% coverage of preventive services;
80% (after deductible) for Basic services and Major restorative;
50% (after deductible) for Prosthodontic services and Orthodontia.
There is a $1000 calendar year maximum benefit. |
 |
Dental coverage is through the DeltaCare Program,
a combination pre-paid, fee for service benefit. No annual dollar
maximum except for accidental injury. Orthodontic benefits cover
24 months of active comprehensive orthodontic treatment. Please
see your certificate of coverage for complete information. |
 |
Benefit package insurance
carrier is Delta Dental. Midwest has a Gold PPO Plan and a Silver
PPO Plan with different levels of benefits and deductibles for
in and out of network.
| Gold PPO In-network |
Gold PPO Out-of-network |
| No deductibles in-network |
$50/individual and $150/family |
| deductible waived for preventive |
Not waived |
| $1,500 maximum benefit |
$1,500 maximum benefit |
| Preventive coverage 100% |
Preventive coverage 80% |
| Basic restorative services 90% |
Basic restorative services 60% |
| Major restorative services 50% |
Major restorative services 50% |
| Orthodontia 60% |
Orthodontia 60% |
| lifetime max. $2000 |
Lifetime max. $1,500 |
| |
|
| Silver PPO In-network |
Silver PPO Out-of-Network |
| $25/individual; $75/family |
$50/individual and $150/family |
| deductible waived for preventive |
Not waived |
| $1,200 maximum benefit |
$1,200 maximum benefit |
| Preventive coverage 100% |
Preventive coverage 70% |
| Basic restorative services 80% |
Basic restorative services 50% |
| Major restorative services 50% |
Major restorative services 50% |
| Orthodontia 50% |
Orthodontia 50% |
| lifetime max. $1,500 |
Lifetime max. $1,200 |
|
 |
Insurance is administered
by Delta Dental. There is a calendar year deductible of $50/individual
and $125/family. Covers two fluoride treatments (under 19 years
of age) per year; two cleanings per year; and two routine oral exams
each year. There is a $2,000 annual benefit for Class I (preventive)
covers 90%; Class II (minor restorative) 80% after deductible; &
Class III (major Restorative, including implants as long as it is
not for cosmetic reasons) 60% after deductible. There is a $2,000
lifetime benefit for Class IV (Orthodontia) 50%. |
 |
The Dental Plan for Piedmont has a $1,000 per person
annual maximum. Preventative is covered at 100% with no deductible.
Basic is covered at 85% with a $50 deductible. Major is covered
at 50% with a $50 deductible. Orthodontia is available only to dependent
children. The lifetime maximum is $1000 per child with a $50 deductible. |
 |
Insurance carrier is Anthem
BlueCross/BlueShield. There is an annual deductible of $100/person
and $300/family. Certain preventive services are not subject to
the deductible and are covered 100%. These include 2 oral examinations
per year, bite-wing x-rays, two cleaning per year, topical fluoride,
space maintenance, and emergency treatment for pain. Other services
are covered at either 85% or 60% after payment of the deductible.
Orthodontia is covered at 60% for both children and adults. There
is a lifetime maximum benefit of $1,500 per covered person. There
is a yearly maximum benefit of $1,500 per person. |
 |
Insurance carrier is Aetna.
Spirit has a DMO. The DMO schedule provides a list of services and
procedures for which a patient pays amount specified. There are
no charges for diagnostic and most preventive services. There is
a yearly deductible of $50/individual and $150/family. The deductible
applies to Basic and Major services only. Preventive services are
paid at 100%, Basic services at 80%, and Major services at 50%.
The annual maximum benefit for dental services is $1,000. Major
restorative services have a lifetime maximum of $1,000. The comprehensive
charge for orthodontia is $1,545 (both children and adults). There
are separate fees for the screening exam, diagnostic records, and
retention. |
 |
Insurance carrier is MetLife.
There is a traditional dental plan and a dental HMO (DMO). Traditional
Plan: Deductibles of $50/individual and $100/family. There is coverage
of 100/80/50 for preventive, basic, and major services; 50% coverage
for Orthodontia. The annual maximum benefit per person is $2,000.
The lifetime maximum per person is $2,000 DMO: No deductible. No
annual maximum for Aetna DMO and $2,000 for Dental Network. There
is 100% coverage for preventive and basic services; Various rates
(70-75%) and co-payments for other services, depending on plan.
|
 |
Insurance carrier is MetLife.
There is no deductibles in-network. There is a $50/individual; $100/
family deductible out-of-network. Coverage includes 100% preventative;
80% minor; 50% major. There is a yearly maximum benefit of $1,500
per person in-network; $1,000 out-of-network. There is Orthodontia
coverage in-network 50% of discounted fee; out-of-network 50% of
usual and customary charge. Not subject to annual maximum but is
subject to $2,000 lifetime maximum benefit. This $2,000 includes
network and non-network charges. |
