Williams College Group Insurance Plan
Group Insurance Plan . | . Human Resources
Dental Insurance Benefit
This is a self-insured plan administered by Blue Cross Blue Shield of Massachusetts and pays for dental care provided by a Dental Blue network of dentists, and by non-network dentists in Massachusetts and out-of-state. Usually employees pay lower out-of-pocket expenses when they use Dental Blue network dentists, and higher out-of-pocket expenses when they use non-network dentists. Also, network dentists will bill Dental Blue for the patient. The patient generally will be required to file a claim for care provided by a non-network dentist.
There are maximum amounts that Dental Blue will pay for each specific dental service. The amounts are based on reasonable and customary charges by area dentists. Network dentists have agreed their charges will not exceed the Dental Blue maximums. However, depending on the service provided, payment by Dental Blue may be subject to deductibles and coinsurance. The maximum annual benefit for each covered person under this plan is $1,500. Here is a summary of covered services:
Summary of Covered Dental Services
| Preventive care (i.e. routine exams, cleanings, x-rays) |
Participant pays 0% of covered services |
| Basic Restorative Care (i.e., extractions, fillings, root canals) |
Participant pays 20% of covered services* |
| Major Restorative Care (i.e. crowns, dentures, bridges, and single tooth implants) |
Participant pays 50% of covered services* |
| Orthodontia for covered family members under age 19 |
Plan pays 100% up to lifetime maximum of $1500 per covered family member |
*Annual deductible must be met before benefit is paid: $25 per person, maximum $75 per family.
Please see the Dental Blue Plan Summary sheet for additional information and coverage limitations. Copies are available in the Benefits Office.
Dental Insurance Costs
Faculty, Administrative and Support Staff pay their share of the dental benefit by pre-tax payroll deduction. The College pays 75% of the Dental Blue full individual or family benefit; the employee pays 25%. The College reserves the right to change at any time the amount it will pay for the dental benefit.
Group Insurance Plan . | . Human Resources
