Members have two options for their dental election, the option to participate in the Quality Care Dental Plan (QCDP) or the option not to have dental coverage. Members who elect not to have dental coverage cannot change that election until the Benefit Choice Period, without exception.
Effective with the May 2014 Benefit Choice Period, non-Medicare annuitants and survivors who elect to opt out of the health coverage will continue to have dental coverage under the plan. This benefit of 'no health, keep dental' does not apply to active employees who opt out or annuitants who are not eligible for the financial incentive. Annuitants and survivors who do not want the dental coverage must mark the appropriate box on the Benefit Choice Election Form in order to drop their dental coverage. Note: Opting out of health includes the termination of vision, prescription and behavioral health coverage.
The Quality Care Dental Plan (QCDP) is administered by Delta Dental of Illinois. Plan participants enrolled in the dental plan can choose any dental provider for services; however, plan participants may pay less out-of-pocket when they receive services from a network dentist. There are two separate networks of dentists that a plan participant may utilize for dental services in addition to out-of-network providers: the Delta Dental PPOSM network and the Delta Dental PremierSM network.
The QCDP reimburses only those services listed on the Dental Schedule of Benefits. Listed services are reimbursed at a predetermined maximum scheduled amount.
Most providers will file the dental claim with Delta Dental electronically, but for those who do not, the member must complete a Delta Dental of Illinois Claim form and send to the address on the form.