- Open Enrollment
You will have an opportunity to change your additional dental options during open enrollment, effective January 1 of the following year.
To help you maintain good dental health, Nazareth College offers DentalBlue through Excellus. You may elect the dental option even if you don’t elect medical insurance through Nazareth College.
What Is My Dental Option?
NazFlex offers you the following dental options:
- DentalBlue Low Option ($1000 annual benefit/ $750 ortho)
- DentalBlue High Option ($1500 annual benefit/$1500 ortho)
Please refer to the DentalBlue brochure for a description of coverages and limitations.
If you elect a dental plan, you may choose from these coverage levels:
- Employee only - coverage just for you
- Two-person - coverage for you and one eligible family member
- Employee + Children - coverage for you and two or more children
- Family - coverage for you, your spouse and one or more dependent children
Eligible family members include:
- Your spouse or eligible domestic partner
- Your child: natural, adopted or step child, or eligible child of your domestic partner who is under age 26 and unmarried
- A handicapped child 19 or older, who became incapable of supporting himself or herself because of a physical or mental handicap before age 19 and who is dependent upon you for more than half of his or her support (special application required prior to age 19)
Making Your Dental Election
If you elect Dental Blue, you must indicate your election (low or high) in the dental category of your NazFlex Enrollment Form.
If you elect the no coverage option, you must indicate your election of no coverage in the dental category of your NazFlex Enrollment Form.
Please note your dental election is binding for the entire plan year, which is January 1 to December 31. If, however, you have a qualified "change in family status," you may change your dental election and other NazFlex elections in a manner consistent with the family status change that occurred. Here is an example:
If you elected no coverage because you had dental coverage elsewhere and you lose your coverage during the year because of a qualified event as noted in the Flexible Benefits section, you may change your election to coincide with the event for the remainder of the year.
Dental Blue provides coverage for the following services:
- Preventive services, such as oral exams, x-rays and cleanings
- Basic restorative services, such as fillings, extractions, oral surgery, endodontics, periodontics, and bone surgery
- Major restorative services such as bridges, dentures, inlays, crowns, and space maintainers
- Orthodontia (braces) benefits for children up to age 19
- Some restrictions may apply if you have been without dental insurance for more than 63 days prior to enrolling.
Predetermination of Benefits
A Predetermination of Benefits feature is available under Dental Blue. You are encouraged to use this feature for major treatment such as crowns and inlays, prosthetics, periodontics and orthodontics. By doing so you:
- Eliminate misunderstandings about what is covered before you receive treatment
- Know exactly how much the plan you choose will pay for your treatment, and
- Have the opportunity to consider alternative treatment methods.
Choosing a Dental Plan
Like making your other benefit choices, here are some considerations which may be of help in making your decision:
- Estimate what your dental expenses have been in past years. Looking at past expenses may help you to predict your dental expenses for the upcoming year.
- Weigh the cost of the plan against your estimated expenses for the future to determine if selecting dental coverage is the best option for you.
- Determine whether it is more beneficial to be covered under your spouse's or domestic partner's dental plan. Compare the benefits and cost of your spouse's or domestic partner's employer's plan to your NazFlex dental options. Would waiving dental coverage under NazFlex, and using your credits for other benefits, be more advantageous?
- Remember that you can choose to use your FSA Health Reimbursement account to lower your out-of-pocket dental care expenses by paying for them pre-tax.