Teamsters Dental Insurance Plans and Benefits Overview

The Teamsters dental insurance plans offer a range of benefits to help you take care of your teeth and gums.

Teamsters dental insurance plans cover a wide range of services, including routine cleanings, fillings, extractions, and more. These services can help prevent costly problems down the line and keep your teeth and gums healthy.

The Teamsters dental insurance plans also offer discounts on certain services, such as orthodontia and oral surgery. This can help make expensive treatments more affordable.

With a Teamsters dental insurance plan, you can get the dental care you need to maintain a healthy smile.

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Under the teamsters dental insurance plan, there is no deductible for services provided in the ITHBF FREE Clinics.

The deductibles for in-network and out-of-network services are $250 for singles and $500 for families.

For out-of-pocket expenses, the limits are $2,000 for singles and $4,000 for families in-network, and $6,000 for singles and $12,000 for families out-of-network.

Co-insurance rates are 80% in-network and 60% out-of-network for singles and families alike.

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Vision benefits for active plans are quite generous. The annual maximum benefit per adult covered person for dental benefits is $1,500, excluding orthodontic services.

For orthodontic services, the lifetime maximum benefit per covered dependent is $1,000 up to age 26. This means that once the dependent reaches age 26, they are no longer eligible for this benefit.

Crowns, fixed bridgework, gold inlays and onlays, and other related services are only covered at 60% of reasonable and customary charges. All other covered services, however, are covered at 100%.

Vision benefits also have an annual maximum benefit per adult covered person. Balance bill amounts for optical services do not accumulate to your annual Out-of-Pocket Maximum.

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The Retiree Plan Deductible and Out-of-Pocket costs are clearly outlined.

The deductible for in-network services is $250 for singles and $500 for families. Out-of-network services have a deductible of $500 for singles and $1,000 for families.

ITHBF FREE Clinics services are exempt from deductibles.

Out-of-pocket limits are also specified: $2,000 for in-network singles, $4,000 for in-network families, $6,000 for out-of-network singles, and $12,000 for out-of-network families.

Co-insurance rates are 80% for in-network services and 60% for out-of-network services for both singles and families.

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Comprehensive dental benefits are available to TeamstersCare members, including routine cleanings, X-rays, fillings, and dentures. These services can be accessed through in-house dental offices or the Blue Cross Blue Shield of Massachusetts (BCBSMA) program, Dental Blue Freedom.

Preventive dental services, such as oral examinations, charting and x-rays, cleanings, fluoride treatments, and oral hygiene instruction, are offered at no cost to members. Routine dental care services, including emergency visits, fillings, sealants, and more, require a $5 TeamsterShare payment.

The Blue Cross Blue Shield of Massachusetts (BCBSMA) program, Dental Blue Freedom, allows members to choose any dental provider, with lower out-of-pocket costs if they select a dentist in one of the Dental Blue Freedom networks. TeamstersCare has a pre-set Fee Allowance Schedule for covered dental procedures.

Here are some of the routine dental care services available with a $5 TeamsterShare payment:

To find a dentist in the Dental Blue Freedom network, go to the Blue Cross Blue Shield website, www.bcbsma.org, and select "Dental Blue PPO" for the greatest discounts or "Dental Blue" for the broadest network of dentists.

You can also schedule an emergency visit by calling the nearest TeamstersCare office during normal hours and describing the problem, its duration, and any pain, swelling, or bleeding.

If you're experiencing a dental emergency, be ready to provide a clear explanation of your issue when you call to schedule your appointment.

Finding a dentist can be a daunting task, but it doesn't have to be. To start, go to the Blue Cross Blue Shield website, www.bcbsma.org, to find a dentist in their network.

You can select "Dental Blue PPO" for the greatest discounts, or "Dental Blue" for the broadest network of dentists.

If you're facing a dental emergency, don't hesitate to call the nearest TeamstersCare office during normal hours to schedule an emergency visit.

Be prepared to describe the problem, its duration, and any pain, swelling, or bleeding when you call.

Don't worry, they'll diagnose and address the issue, and if needed, explain options for follow-up treatment at your appointment.