Benefit Programs
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Basic Life Insurance |
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$5,000 Accidental Death Basic |
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Legal Defense Fund |
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Legal Program |
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Vision |
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CCPOA Medical Plan |
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Dental |
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Accidental Death & Dismemberment |
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Combined |
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Disability Benefit Plan |
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Piggyback |
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Supplemental Term Life |
CCPOA Dental Plans
Primary Dental & Western Dental
Rank & File / Supervisor
CCPOA Rank & File are offered a "two-tiered" dental plan. Here is how it works:
Western Dental is the main provider of dental services for Bargaining Unit 6 during the first 12 months of employment.
After the first 12 months of employment, the Trust offers BU6 participants several dental service choices:
- Western Dental - A Prepaid Dental Plan.
- Primary Dental - A Traditional Indemnity Plan.
- First Dental Health - PPO & EPO network (Only for Primary Dental Members and Only in Participating Areas).
OVERVIEW
Western Dental
This prepaid dental program provides you and your dependants the services of a WD provider. Western Dental dentists are located throughout urban California.
Most basic services are covered at no cost. Many private dentists accept Western Dental, as well as Western Dental's own clinics.
CCPOA Primary Dental
When you want a choice.
Go to any dentist, or choose from a provider network to save money.
CCPOA's Primary Dental Program is an indemnity, or fee-for-service, plan and does not require you use a provider network though a provider network does exist. You may select any dentist anywhere in the world. Participants within the Primary Dental program are, however, encouraged to use CCPOA's Preferred Provider Organization Network Dentists.
The plan sets limits (usual and customary amounts) that it will pay for each type of dental treatment. You are responsible for paying any remaining balance that might be due based upon the type of dental treatment received. A premium co-payment is deducted from your monthly pay warrant.
Additionally within Primary Dental, First Dental Health is a cost saving network for Primary Dental members in certain participating areas. The Trust presently contracts 2 networks: EPO and PPO through First Dental Health.
Preferred Provider Organization. FDH providers follow a contracted fee schedule for the service they provide.
EPO Network:
Exclusive Provider Organization. The EPO program, provides the patient with a greater reduced fee for service, in this smaller, exclusive network.
First Dental Health
Additionally within Primary Dental, First Dental Health is a cost saving network for Primary Dental members in certain participating areas.
The Trust presently contracts 2 networks: EPO and PPO.
Annual Deductible is WAIVED! More than 17,500 participating dentists in California!
If you use a First Dental Health dentist, the dentist has agreed to accept First Dental Health's usual and customary fee schedule as the cap for services. This amount is usually significantly less than what a dentist would charge under a normal indemnity or fee-for-service arrangement. If you are enrolled in CCPOA's Primary Dental Program, and are using a network provider, your annual 50/150 deductible is waived.
What Does It Cost?
CCPOA BU6 Monthly Contributions:
Active Members
$35.94
Western Dental Benefits Division
1-800-992-3366
| Benefit Trust Fund Primary Dental Plan | |
| Non-Contracted Provider: | First Dental Health Providers: |
Calendar year maximum: $2000/ per person |
Calendar year maximum: $2000/per person Deductible: None Services are payable based on Contract Rate through First Dental Health EPO/PPO |
| PRIMARY DENTAL COVERAGE SCHEDULE | |
| Preventive/Diagnostic Services 100% Prophy: Twice in the calendar year (anytime) Fluoride: Under age 15, twice in a calendar year Sealants: No age limit, on permanent unrestored posterior molars only. 36-month limitation, (eff 2/2/09) Bitewing: Unlimited, unless done with Panographic or more than 10 PA’s. Panographic: Unlimited while taken alone. FMX: Once every 36 months Exams: Unlimited. First exam is payable under preventive, all subsequent exams are payable under the basic benefit with no deductible, Space Maintainers Emergency Palliative Treatment |
Singles Crowns, Inlays, Onlays & Build-ups: 80% - PREP DATE - Porcelain crowns placed on molars will be paid as a full cast crown. 5-year replacement limitation |
| Prosthodontic (Major) Services 50% - PREP DATE Initial preparation & installation of bridges Crowns attached to a bridge Initial preparation & installation of partial or complete dentures (including repairs) Prior extractions are covered - effective 1/1/02 5-year replacement limitation Congenitally missing teeth are covered |
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| Basic Services 90% Restorative Services: Composite porcelain & silver amalgam fillings. Composites on posterior teeth are reduced to the amalgam rate. Endodontic Services: Root canal Therapy Periodontal Services: Root Planning & Scaling: 24-month period. Perio charting is required. Pre-operative X-rays are necessary when pocket depths are under 4-mm. Periodontal cleanings that are in conjunction with an active periodontal disease will be limited to two cleanings per year and only for the l8-month period following treatment of the periodontal disease. Oral Surgery: Extraction of teeth & minor oral surgery General Anesthesia. if provided in conjunction with a covered oral surgery procedure & only if determined by the Administrator to be Medically Necessary |
Orthodontic Services: No age limit |
Services Not Covered |
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| Coordination of Benefits: Standard Pre-authorization is suggested over $300 Dependent children may be covered up to age 26 regardless of student status. |
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| This is not a guarantee of payment but a summary of benefits available through the CCPOA Primary Dental Plan. Benefits are subject to eligibility, terms, conditions, and limitations of the participant’s dental coverage in force at the time the services are actually rendered. Certain services are subject to review. |
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