- [Lisa] Hello and welcome.
My name is Lisa Eggert and I'm the Account Manager
for the MPSERS Retirement System.
Today we have some goals for this presentation.
Our goals are to provide you information
on the plan changes for 2018.
Provide you cost share information
on covered dental services.
Highlight the type of providers
that offer you the best value.
Illustrate some payment examples.
Show you how to get information about your plan,
and demonstrate the online tools.
Starting off, the changes effective January 1, 2018.
The retirement system is introducing
a $50 deductible per person.
This is an annual deductible, and it only applies
when the services are provided by dentists
that are not in the PPO network,
which means it will be applied
when you go to a Delta Dental Premier provider,
or a nonparticipating provider.
This deductible only applies to basic and major services.
As we look at the benefit on the next slide here,
you'll see how that ties into the benefit structure.
As you can see on this slide, for your coinsurance
there are two columns here
the Delta Dental PPO dentist,
and the Dental Dental Premier, or nonparticipating dentist.
And the first type of service,
you have diagnostic and preventative services.
This covers your two cleanings and exams per calendar year.
As a reminder, this is two cleanings and exams per calendar
year, so anywhere from January 1 to December 31st,
you can have two cleanings and exams.
They do not need to be a certain amount of time apart.
If you have your two...
If you have a cleaning in January and again in March,
that's your two for the year,
it gives you flexibility in scheduling those exams.
As you can see, when you go to a PPO provider,
you have a higher level of benefit,
so you have 5% coinsurance when you go to a PPO provider,
versus a 10% coinsurance when you go
to a Delta Dental Premier or nonparticipating provider.
Also, covered under this categories are X-rays.
And X-rays are covered at 5%,
or you have 5% coinsurance
when you go to a Delta Dental PPO provider.
And when you go to a Delta Dental Premier
or a nonparticipating provider,
you have a 25% coinsurance.
In the second category of service, the basic services,
you can see here that these are referred
to as restorative services.
The restorative services cover things like fillings,
crowns, periodontal services, periodontal or anything
that have to do with gum disease.
Endodontic services, which have to deal with root canals,
oral surgery, relines and repairs.
All of those are considered restorative services.
As you can see when you go to a PPO provider,
your fillings have a 20% coinsurance,
so you have a higher level of benefit
by going to a PPO provider.
When you go to a Premier or nonparticipating provider,
you have a 25% coinsurance.
All of the other services that are covered under this
for the PPO that I've mentioned earlier
are covered at a 25% coinsurance.
You can see from this grid that the deductible
is applied for the basic services in the column
when you see a Delta Dental Premier
or nonparticipating provider.
The last type of service here are the major services.
These would be considered prosthodontic services
and implants.
Prosthodontic services are anything that have to do
with fake teeth.
Bridges, dentures, partials, implants
all fall into this category.
As you can see that there's a 50% benefit coinsurance level
on this benefit for going to a PPO provider
and for Delta Dental Premier or nonparticipating provider.
You will see on the column for the Delta Dental Premier
or nonparticipating provider a 50% coverage
or coinsurance and also the deductible
is applied for the major services.
So as a recap, the deductible is applied when you go
to a Delta Dental Premier or nonparticipating provider
at the basic service and major service level.
Otherwise, when you go to a a Delta Dental PPO
or have preventative services, there is no deductible.
Just a couple of notes on this slide.
I often get asked about how much a service gets...
How much a service cost.
It depends on the area, the type of provider you go to,
those types of things.
The best to find out how much that service is gonna cost
is to have a pre-estimate done.
This pre-estimate would be submitted to Delta Dental
by your provider.
When it is submitted to Delta Dental,
we look at a variety of things.
Essentially, your dental provider will send us the claim
prior to it being completed with all of the codes
of service that are gonna be provided.
We look at the contract that you're covered under
which is the MPSERS contract.
We look at your time limitations,
there are certain services, like bridges, dentures,
crowns, implants that all have a five year time limitation.
So, for example, if I have a crown done on tooth number 10,
I can't have another crown done on tooth number 10
until five years have passed.
And then lastly, we look at your annual maximum available.
We look to see how much annual maximum you have left
for that benefit year,
and determine how that's gonna pay out.
Having this pretreatment done,
when this pretreatment is done, we will send to you
what looks like an explanation of benefits,
but it will indicate that it's a pretreatment of estimate,
so that you know how much is gonna be covered,
and whether or not that service is covered
prior to that service being done.
Your provider is also receiving this communication
or this information, so that you're able to ask any
questions of your provider
before that service is being done.
All of the services that are listen on this page
are subject to your maximums.
So your annual maximum is $1,100.
This is a per calendar year maximum.
It's per person, so you, your spouse and any dependents
that you have under your plan each have their own $1,100.
Every time the plan makes a payment,
it's deducted from this $1,100.
So, for example, if you go to a provider and have a service
done, after that service or after that claim has processed,
you receive an explanation of benefits.
That explanation of benefits has information that says
plan pays a certain amount,
patient pays a certain amount.
It's the plan pay amount that is deducted from the $1,100.
Once the plan has paid a total of $1,100 on your behalf
over the year, all payments that the plan makes will stop,
you can continue to have treatment,
but you're gonna pay a 100% out-of-pocket
for that treatment.
If you max...
what we refer to as max out of your plan
and you've reached that $1,100 during the year,
no additional monies will be paid,
but every January 1, everybody starts over
with a brand new maximum,
regardless of the amount that you've used the prior year.
So each January 1, everybody starts
with the new $1,100 annual max.
This plan also has an orthodontic benefits.
And the orthodontic benefits are for dependents
up to the age of 19.
So for those of you who still have dependents
that are under the age of 19,
there is an orthodontic benefit.
It's a 50% coinsurance level
for Delta Dental PPO and Delta Dental Premier
and nonparticipating providers.
The orthodontic benefit is subject to a lifetime
maximum amount, which means that each dependent
that's covered under you plan that's under the age of 19,
has access to a $1,200 lifetime maximum
over the course of treatment for their orthodontic benefits.
And then lastly, the deductible.
This is new this year.
It applies to basic and major services provided
by dentists that are not in the PPO network,
which means the Delta Dental Premier providers
and nonparticipating providers.
This is a $50 per person deductible
and it's an annual deductible.
So once you've paid your $50 in that plan year,
you're done for that year in paying your deductible.
Another note that I wanted to list here
was with regards to your carve out...
Carve out Coordination od Benefits.
For those of you who have more than one coverage,
either you, yourself have two dental plans
that you're covered under,
or you and your spouse both have coverage of...
a dental coverage from your own employers,
the retirement system uses what's called carve out
Coordination of Benefits.
This does limit how the plan plays when it pays secondary.
There is more information on the Extranet site,
there's a flier for Coordination of Benefits
that you can check out, so that you can understand
how this carve out Coordination of Benefit works.
So we've talked about your changes for next year,
we've talked about the benefits that you have.
Really, the driving factor in how the claims process
is the provider that you choose.
So if you take all of the providers that are available,
you can put them into three categories.
They're either Delta Dental PPO,
Delta Dental Premier or nonparticipating.
You have the freedom to choose any of these dentists,
but the plan is designed to offer the maximum benefit
and the lowest out-of-pocket
when you use a Delta Dental PPO provider.
That's because, under this program,
all claims are reimbursed at the PPO approved fee.
When you go to a Delta Dental Premier provider,
or nonparticipating provider, you'll likely pay more.
Let's take a look at each of these
different types of providers.
As I mentioned previously, the Delta Dental PPO providers
have agreed to accept Delta Dental's PPO approved
amount at payment in full.
You only are gonna pay for your coinsurance portion of that.
Because the providers participate with our PPO network,
there is no balance billing.
They cannot charge you the difference between their...
our PPO approved fee and their normal fee for services,
they write that off.
In addition, they pay directly.
You're responsible for your coinsurance on the front end,
they bill Delta and we pay them directly.
The providers also agree to accept
Dental Dental's processing policies.
And these processing policies are rules and edits
that we have within our system that limited program abuses.
So, for example, they can't unbundle services
to make their claim more expensive.
They can't charge certain services within certain
periods of time, which...
Because they're essential the same service.
An example of this would be a filling.
If I have a filling done on tooth number eight,
and that filling fails within 24 months,
that provider has to redo that filling at no cost.
There's no cost to the retirement system,
and there's no cost to the member.
So when the claim comes in processes, it will say
plan pays zero, patient pays zero.
That's just an example of our processing policy
because we would expect those fillings to last
more than 24 months.
When you go to a PPO provider,
you also have the highest level of benefit.
As we saw on the screen that had the benefits listed,
there is a higher level of benefit or a lower amount
of out-of-pocket when you go to a PPO provider.
And lastly, when you go to a PPO provider, there is no
deductible for any of the services under the dental plan.
The second type of provider
is the Delta Dental Premier provider.
And this providers participate with Delta Dental,
but they do not accept the lower PPO approved amount
that each of these claims are paid at.
So the provider is allowed to charge the difference
between that PPO approved fee
and the Delta Dental Premier approved amount
that they have agreed to accept.
That's why you pay an additional amount
when you go a Delta Dental Premier provider.
Delta Dental Premier providers cannot bill you
the difference between the Delta Dental Premier approved fee
and the amount that they normally receive for services.
That would be considered balance billing,
and they are not able to balance bill you,
or they're not allowed to balance bill you
when they participate with our Delta Dental Premier network.
The providers are also paid directly here.
So you're responsible for your coinsurance portion
on the front end and then the providers bill us
and we pay them directly.
They also agree to accept the processing policies,
the same processing policies that we have
for the Delta Dental PPO network,
they've agreed to accept those, as well.
And then lastly, the deductible does apply to the basic
and the major services.
One note that I would add here has to do with the
explanation of benefits.
When you go and have a service done at a dental office
and they submit that claim for service,
we process that claim and send out to you
an explanation of benefits.
It's very important that you take a look at these statements
this explanation of benefits will show you the services
that were done, it will show you the amount that plan
is paying, and it will show you the amount that you pay.
It's very important to look at that number...
That dollar amount that you owe and make sure
that that's the amount that you're paying the provider.
If the provider is coming back to you and telling you
that you own an additional amount on something
that they didn't bill or we didn't cover,
all you need to do is call Delta Dental
and let us know that your provider is telling you
that you owe more than what the explanation of benefits is.
The amount that's on the explanation of benefits
is the amount that you should be paying for those services.
So if you have that situation, please call Delta Dental
and let them know and know we will reach out to the dental
office to work that billing situation out.
I often get asked what the difference is between
the Delta Dental PPO and the Delta Dental Premier networks.
I often get asked,
"Well, the Premier is a better network, right?
Because it sounds better, Premier is ultimately better."
The answer to that question is no.
These providers are credentialed
and licensed in the same manner.
They have to have the credentials to be able
to practice in the dental.
Delta Dental Premier is actually our original network name
that was established years ago, when we first started.
Over time and as insurance changed,
our competitors started to add these PPO networks
and PPO stands for preferred provider organization.
It's a term that's used in insurance,
and you'll see it in the medical world and dental world.
It just means a...
a group of providers that have offered additional discounts.
With that, we added a PPO network,
so that we could compete with our competitors.
So the difference that we have is we have two networks.
We have the PPO network and the Premier network.
And those work together to provide you
with access to network providers.
As I mentioned earlier, they are not different
in terms of the services that they can offer.
It ultimately comes down to the provider deciding
what level of discount
the PPO, that they're willing to offer,
the PPO providers offer a deeper discount on their fees
than the Premier.
Both offer discounts, but the PPO discounts are deeper.
So ultimately, it's the provider's choice
which network they participate with.
The last type of provide that we've talked about
is nonparticipating.
And nonparticipating are exactly that.
They don't participate with Delta Dental,
which means they don't have to listen
to anything that we say.
At the end of the day, when you go to a nonparticipating
provider, you will pay the full cost of services.
Whatever they charge for that, you'll ultimately
pay that amount.
They can balance bill you.
Under this nonparticipating, the deductible also does apply
to the basic and major services.
Another note that I wanted to add here
was that you may have to submit the claims.
Oftentimes, these nonparticipating providers
will submit the claim for you as a courtesy to you,
but when you go to a nonparticipating provider,
they usually have you pay for the full amount upfront
when you have those services done.
If they don't submit the claim for you
and you don't submit it, we don't get anything
and we can't reimburse you, so it's really important
for you to ask who's gonna submit the claim,
whether the office will submit it on your behalf
or if you need to.
The only way that we can reimburse you
is if we actually receive the claim.
So you to note, so that you can make sure
that you're getting your reimbursement when you go
to a nonparticipating provider.
When you go to a participating provider, the PPO
and the Delta Dental Premier, it's in their contract
to submit the claim, so you don't have to worry
about that with the other types of providers.
This next slide, it's just a comparison.
We've talked about...
You can see with the bullet points,
we've talked about those different bullet points
and the differences between those networks.
What I wanted to point out in this slide
is the...
The amount amount of... The number of locations
and the number of unique dentists that we have.
As I've mentioned, Delta Dental's one of the few providers
that has two contracted networks,
both the PPO and the Delta Dental Premier.
As you can see from this graphic,
there is some overlap between these.
I often get asked, or people will come up to me and ask,
"Well, when I was online
or if I was looking in a book, I noticed that a provider
was both Delta Dental PPO and Delta Dental Premier,
what does that mean?"
When a provider...
A provider can participate in both of the networks.
And when they participate in both of them,
all that's important to you
is that they're a Delta Dental PPO provider.
When that claim comes in to process,
we recognize that they have status
or participating status in the Delta Dental PPO network
and we pay that claim accordingly.
So we give you the higher level,
or you receive the higher level of discount
on that service, you get the higher level of benefit.
You don't need to ask the provider office to do anything,
and you don't need to contact us to tell us that they're PPO
we'll automatically see that they're PPO
and pay that accordingly.
Delta Dental has a variety of programs
that we offer to our clients,
and so in some cases, it makes sense for the providers
to be participating in both.
But when you see that they're in both,
it's good news for you because that means they participate
in PPO and you get that higher level of benefit.
So we've taken a look at the changes,
we've taken a look at the benefit,
and we've taken a look at the provider types.
So let's put all of this together now
and take a look at the payment example.
So we've got a couple of payment examples for you.
And this first one is a major service,
so it's in the major service category, it's a crown,
and this is with a deductible.
So you can see here, the first line there, the green line
is the Delta Dental PPO network, that PPO provider.
They charge $950 for this crown.
However, because they participate with Delta Dental,
they've agreed to accept 675 as the PPO approved fee,
which means they cannot balance bill you the difference
between the 675
and 950.
Because this is a PPO provider, there is a zero deductible.
The coinsurance on this service is 25%,
so 25% of 675 is 168.75.
And because this is a PPO provider,
there's no additional cost.
This provider has agreed to accept 675 is paid in full
for this crown.
So your out-of-pocket here is 168.75.
The next row, when you go to a Delta Dental Premier dentist,
they also charge $950,
but they've agreed to accept $898,
you can see that as the approved amount is 898,
that's the Premier approved amount.
However, if you remember earlier, I said
that all of the claims, regardless the provider
that you go to, are reimbursed at the PPO approved fee,
which means that 675 is what is being reimbursed
on this claim.
So because this is Delta Dental Premier provider,
there's a $50 deductible.
The coinsurance, the way that the deductible works
with the coinsurance, it's 25% is the coinsurance
of 625.
And 625 is 675, which is the approved amount
minus the $50 deductible, gets you to 625.
So your coinsurance here is 156.25.
Plus you have an additional cost of $223.
The $223 is the difference between 898,
which is the Premier approved fee and 675,
which is the PPO approved fee.
So your out-of-pocket with the deductible coinsurance
and additional cost is $429.25.
When you go to a nonparticipating provider,
their charge is 950.
And remember what I said earlier,
that when you go to a nonparticipating provider,
you're ultimately responsible for their full charge.
So their approved fee there is 950,
that's how much they'll receive at the end of the day.
However, 675 is still the amount that's being paid
on this claim because the retirement system says
we're gonna pay the same amount on all the claims,
regardless of the type of provider you go to.
So there is a $50 deductible here.
Your coinsurance with the deductible is the approved amount,
which is 675 minus the $50 deductible,
so that's 625, times a 25%
coinsurance, so you have 156.25 is your coinsurance portion,
and your additional cost for this provider is 275,
which is the difference between $950, which is the full
charge for this nonparticipating provider and 675,
which is the PPO approved fee,
so you pay an additional 275.
So when you add up the deductible, coinsurance
and additional cost for the nonparticipating provider,
your out-of-pocket is $481.25.
As you can see on this slide,
there was a 25% coinsurance for all of these providers,
but the type of provider you chose determined
the out-of-pocket that you paid.
When you go to a PPO provider,
you're gonna save the most money,
get the highest level of benefit,
and then the least out-of-pocket that you can receive,
you maximize your dental dollar by going to a PPO provider.
So let's take a look at another payment example.
This one is a diagnostic and preventive service,
so this would be without a deductible.
So if you look at the green line there
with the Delta Dental PPO dentist,
they charge $90 for this cleaning.
The approved amount is $55.
There is no deductible on this,
so for a diagnostic preventative service
for PPO provider, it's a 5% coinsurance,
so 5% of 55 is 2.75.
There's no additional cost because the provider has agreed
to accept $55 as payment in full,
so you're gonna pay $2.75 out-of-pocket.
With the Delta Dental Premier provider,
they also, which is the next row,
they also charge $90.
They've agreed to accept $77,
that's their Premier approved fee.
However, all of the claims are being reimbursed at the PPO
approved fee, which is $55, so there's still no deductible
because it's a preventative service.
The coinsurance for a Premier and nonparticipating provider
is 10%, so it's 10% of $55,
which is $5.50 plus an additional cost of $22.
$22 is the difference between the Delta Dental Premier
approved fee, which is $77 and the PPO approved fee,
which is $55, so that's an additional $22,
so you pay out-of-pocket $27.50.
And the last line there, nonparticipating dentists,
they also charge $90,
and at the end of a day, you'll pay $90,
or this dental office will receive $90 for that service.
There is still no deductible
because it's a preventative service.
It's a 10% coinsurance, so 10% of $55, which is 5.50.
And there's an additional cost of $35.
35 is the difference between $90, which is the full fee
for this nonparticipating provider,
and $55, which is the PPO approved fee,
which is the amount that's being reimbursed on this claim.
So you pay an additional $35, so your total out-of-pocket
is $40.50.
In this example, you do have a higher level of benefit
when you go to a PPO provider.
But again, as you can see, the type of provider
that you choose determines the out-of-pocket
that you're going to have on each of these claims.
So now that we've talked about providers,
you may be wondering, "What type of provider am I going to?
Or how do I find a PPO provider?"
First off, what type of provider you're going to.
If you've recently gone to a dentist,
then you have an explanation of benefits.
It will tell you on the explanation of benefits
what type of provider...
What network you're...
Or which type of provider you're going to,
whether it's a PPO provider,
Delta Dental Premier provider, or nonparticipating provider.
So you can take a look there.
You can always call customer service too and ask
whether or not your provider.
The other way is to look online.
Going online is the best way to look into the network
to see who's available, whether your provider
is participating or where the participating providers are
because this is constantly changing.
We're always adding people to the network,
there are people retiring.
Or coming off of the network, so looking online
is the best way to look.
In addition, when you look online,
you can put in an address and it will do a radius search
around that address.
So when you're online and you choose find a dentist,
it will take you to this page that says Finding a Provider.
The very first thing you need to do is choose the network.
And the network that you're gonna choose is the PPO,
if you're looking for a PPO provider.
If you don't care and you wanna look
for a Delta Dental Premier provider,
you're welcome to do that, too.
But to save the most money,
choose the Delta Dental PPO option.
Under the location, you can put in your address.
That will give you the best search,
because it will tell you the providers that are
closest to your location.
You can put any address in the US here and it will give
you participating providers that are nearby.
Anywhere you are in the US, you can have services done
all you need to remember is that the claims need to be
send back to Delta Dental of Michigan for processing.
You have coverage even outside of the country,
everything outside out of the country will be considered
nonparticipating and you would have to pay that cost
of that claim upfront,
but on your return, you could send in the claim to Delta
and get reimbursement on that claim.
So you have coverage no matter where you are.
So put your address in.
Further down on the screen,
you'll see that you can
tell how far you're willing to travel.
Whether you're willing to go five miles,
it might depend, if you live in a more rural area,
you may need to go farther out
to find participating providers.
You can tell it how many results you want it to stop at,
it defaults to 50, but if you wanted to have more results,
you could do that.
In some of the areas have a higher populated
with dentists, you'll be able to find lots of dentists
within a very small radius of your location.
You'll notice there, you can put in the dentist's last name
so if you are looking for a specific dentist,
you can put that in there.
The other thing is you can always leave that blank
if you just wanna do a search
for a specific type of provider.
Under specialty, it defaults to any.
But if you're looking for a specific type of provider,
whether it's a general dentist, or periodontist,
oral surgery, endodontist,
I would suggest to change that specialty
to that type of specialty,
so it'll further filter your results that you're getting.
So, for example, if your provider says,
"I wanna send to a specialist for this root canal,"
and gives you a name, you could look on this...
You could go online here and look and see
if they are participating in our network.
Your provider's not required to send you to
a PPO provider, so you may wanna check what type
of participating status you're being referred to,
if you're being referred by your general dentist.
And then lastly, there's a couple more things
that you can select here for doing your search,
language or gender.
Extended hours.
You can leave all those as they are,
and then search for a dentist.
The best way to do this, I would say,
is to pull this listing up
and print it out and then just start asking
around the people that you know that you live by,
ask them who they go to, who they like,
who do they recommend and try to get a word of mouth
recommend that way, as well,
kind of tying what you're hearing
from your friends and neighbors and what you see,
who is participating in the plan.
For those of you who do not like to go online
or who do not want to...
Don't own a computer or don't like using computers,
you can always call us at Delta Dental,
call our customer service number
and ask the customer service representative
to send you a listing and they'd be happy to do that.
So if you wanna do it by going online, perfect,
you can do that,
but for those of you who don't,
you always have an option to call customer service
and they will help you with this process, as well.
Moving on here.
We do have a Consumer Toolkit, I don't know...
We've had this out for a while, so I don't know,
many of you probably are already using this.
This is something that allows you to access
to your personal information.
So because it's your personal information,
you have to validate who you are
and set up a user name and password
the very first time that you go on to this toolkit.
It allows you to see your information,
who's eligible under your...
Your subscriber information.
It allows you to confirm the address that we have.
It allows you to see the benefits,
the benefit overview that's covered under this plan.
It allows you to check how much annual maximum
you've used to date.
It will tell you how much you've used,
how much you have remaining.
All of your electronic,
or all of your explanation of benefits are available
for viewing and printing.
So if you want to tell us to stop sending you paper...
If you want us to stop sending you paper explanation
of benefits, all you need to do is provide us an email
address and sing up for electronic EOBs.
With the electronic EOB, once the claim has processed,
we will send you an email
that indicates the claim has processed and is available
for viewing on this Consumer Toolkit.
You can also have access to oral health information
on this toolkit, so this is really a great tool
that allows you to have access everything
about your dental plan, your specific dental plan
at your fingertips.
The next tool that we have is the Extranet site,
and this site has been developed with the retirement system
at the link listed here.
This gives you access to specific plan information
about the retirement system dental plan.
For example, this presentation is available
on the Extranet site.
The overview flier, the one-page document
that you may have received at a seminar,
that's available on this Extranet site.
The plan booklet that has more details about the plan,
exclusions and limitations, how to file an appeal,
definitions, who's eligible,
all of that information is in the plan booklet,
and that's also available on the Extranet site.
We try to put tools and tips
and additional tools that are available for you
on this Extranet site.
We've also placed links for the Consumer Toolkit
for the dentist directory search on this site,
so it's really...
You don't need to sign into this site,
you can go directly to it and access the documentation
because it's general information about your plan.
Another tool that we have is our smartphone apps.
So if you have an Apple phone or an Android phone,
you can go to those respective stores and download this app.
This app does allow you to verify your eligibility
and benefits.
So because it allows you to do that,
you do have to create a user name and password
for this, because it's your specific information.
You can also find a dentist using the app.
You can view your ID card,
and it does have a toothbrush timer on the app, as well.
It may be no surprise to you that your oral health
and your overall health are connected.
There are over 120 diseases that have signs and symptoms
that show up in your mouth.
By keeping your regular visits with your dental provider,
your provider may actually notice something that's happening
before you or your healthcare provider know
that something is wrong.
So it's very important to continue to brush and floss.
If you notice any changes or abnormalities in your mouth,
talk to your dentist about that,
make sure that you're keeping up on your oral health,
beucase it does, sa I mentioned earlier,
affect your overall health.
And then lastly, contacting Delta Dental.
Delta Dental, the 800 number is listed there.
We have advisors that are available
from 8:30 a.m. to 8:00 p.m. Monday through Friday.
Our call center is in Farmington Hills, Michigan.
We also have an automated system,
this is available 24 hours a day, 7 days a week.
And that automated system can provide you
access to benefits, claims, eligibility information,
and give you names of participating providers.
And then lastly, that Extranet site,
that is where all of the plan documentation is listed,
if you wanna go online and access any of that information.
Thank you for your time and attention today,
and I hope this has helped you
understand your dental plan better.
Thank you, have a great day.
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