GEMSTAR DENTAL PLAN I
Has 100% Preventive coverage available immediately and orthodontic coverage after 12 months.
GemStar Voluntary Group Dental Plans reimburse for
covered dental expenses based upon the Reasonable and Customary (R&C) fees
for those covered expenses.
STATE RESTRICTIONS
| State |
Limitation |
| Connecticut |
Not Available |
| New Hampshire |
Not Available |
| New York |
Not Available |
| South Dakota |
Plan I Not Available |
| Washington |
Not Available |
Credit for Prior Time (CPT)
Credit towards
satisfaction of any [benefit year class/waiting period class] may be given
for the length of time an employee was covered under the employer’s prior
dental insurance plan, provided there is no interruption in
coverage between the prior plan and the replacement plan. The insured
applying for CPT must have been covered for the same benefit classes under
the prior plan in order to receive credit under the new plan. In other
words, if the employer’s prior plan did not provide Major or Orthodontic
class coverage and the new plan provides both, CPT may not be given for the
class not previously provided.
CPT is given individually to each
person (employee, spouse or child) covered. Any new employee and/or
dependents added on or subsequent to the group’s effective date of this
coverage, will not receive CPT. The agent has no authority to grant
CPT or to waive the waiting period provision of the Plan.
DENTAL PLAN DESCRIPTIONS (click to view the plan description)
GemStar Dental Plan l Description
GemStar Dental Plan ll Description
GemStar Dental Plan lll Description
GemStar Dental Plan Comparison Chart (compares all three side by side)
GemStar Dental Plan Guidelines and Exclusions
Terminology
Frequently Asked Questions
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