Piggyback Dental
INFO CENTER
$18.00per month (CCPOA Member Only)
$34.00 per month (CCPOA Family)
What’s new in Retired Piggyback?
The Trust eliminated the annual Open Enrollment for Piggyback. Now you can enroll anytime throughout the year if you want to sign up for Piggyback.
Because the Trust knows many Retired Members have young families, an orthodontic benefit has been added to the Retired program. There is a one-year wait from the time you enroll in Piggyback until you are covered for this benefit- check with the Trust for limitations.
Piggyback will pay a 50% benefit for orthodontic care with a family lifetime maximum benefit of $1,000*. To be covered, treatment must begin after the waiting period.
*$1,000 Benefit Effective January 1, 2024
Forms:
No forms required. UCD handles all claims.
Applications:
Active:
$16.00/Member • $28.00/Family
monthly
Retired: $18.00/Member • $34.00/Family monthly
What Is It?
Piggyback is a supplemental program provided by the CCPOA Benefit Trust Fund that helps to offset the out-of-pocket expenses incurred from the usage of your Dental program.
Who Can Apply?
Rank and File; Supervisor; Retired
Plan Highlights
Who’s Eligible for Piggyback?
- All actively at work, dues-paying CCPOA members and their dependents.
- All dues-paying members of CCPOA Retired Chapter and their dependents. Employees of the CCPOA or the CCPOA Benefit Trust Fund as well as their dependents.
Dental Benefit: Handled through UCD
Piggyback pays a portion of the fees your dentist charges, after benefits have been paid by your main dental insurance. The charges submitted for reimbursement must be for services specified in the Summary Program Description (SPD). Dental deductibles are not eligible for reimbursement. The maximum dental benefit per family per calendar year is $2,000.
The CCPOA BTF recommends that you request a pre-authorization for dental service when the treatment plan exceeds $300. Ask your dental office to submit a written proposed treatment plan to the CCPOA BTF for approval.
Piggyback will pay a 50% benefit for orthodontic care with a family lifetime maximum benefit of $1,000.* There is a one year waiting period for this coverage. To be covered, orthodontic treatment must start after the waiting period.
*$1,000 Benefit Effective January 1, 2024
Here is an example of how Piggyback works:
This is only an example of coverage. Example based on CCPOA Dental benefits and assumes you use a UCD Dental provider and have met your $50.00 deductible.
Gold Crown (procedure 2790) – Dentist Charges: $848
Coverage With Piggyback
UCD Dental pays 80% of allowable $848
$678.40
Piggyback pays 20%
$169.60
Total Payout
$848.00
Total Out-of-Pocket
$0.00
Coverage Without Piggyback
UCD Dental pays 80% of allowable $848
$678.40
Total Out-of-Pocket
$169.60
Pre-Authorization for Piggyback Dental
If your dental work will cost more than $300, ask your dentist to submit the anticipated treatment and charges before work is started. The pre-authorization is prepared by United Concordia, and returned to your dentist with the amount to be paid by the Program. You will receive a copy of the pre-authorization by mail.
A pre-authorization is an estimate of benefits and not a guarantee of payment.