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Enhanced Dental Coverage Proposal for 2012: Level Three Orthodontic Benefits

The proposed plan aims to introduce Level Three Orthodontic coverage for dependents up to age 19, alongside existing Level One and Two coverage options. With a combined annual maximum of $1250 per person, this change allows families to opt for Orthodontic benefits with shared co-insurance percentages. The premium adjustments ensure equitable cost distribution for single, couple, and family plans. Details include coverage breakdown for Orthodontic services over four years, ensuring comprehensive care within the annual limit. Stay informed about dental charges, coverage levels, and status changes to maximize your benefits effectively.

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Enhanced Dental Coverage Proposal for 2012: Level Three Orthodontic Benefits

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  1. Sunrise Dental Changes 2012

  2. Present Dental coverage • Level One Basic - 100% co insurance • Level Two Major and Restorative – 50% co insurance • Both levels have a combined annual maximum of $1250 per person per calendar year • that is to say coverage terminates when the combined liability for level one and two reaches $1250

  3. Proposed change • Add level three- • Orthodontic coverage for dependents up to age 19 • Advantage; allows members who are families or couples with dependent children to have Orthodontic coverage. Note; no effect to single experience or premium as are ineligible (if maximum remains the same)

  4. Premium effect • Add level 3 at a combined annual maximum of $1250.00 per person per year • Cost – Single $38.75 monthly (existing $38.75) Couple $77.75 monthly (existing $77.50) Family $104.00 monthly (existing $96.75)

  5. Examples (Note proposed plan dependent on arrangement with Orthodontist/Dentist and Patient) • Present plan (level three) • Cost of Orthodontics $6,000 • No Coverage • Proposed Plan (level three-option 1) • Cost of Orthodontics $6,000 • Coverage 50% combined annual • year one cost $2200- coverage $1100 • year two cost $2200- coverage $1100 • year three cost $800- coverage $400 • year four cost $800- coverage $400 Note : Each year can be billed, and likely will, costs of other levels

  6. Information: 2012 Dental charges • Exams, cleanings, scaling and fluoride (level one) • $250.00 to $300.00 • Root canals (level two) • $800.00 to $1000.00 • X-rays (level one) • $20.00 to $25.00 each

  7. Status Changes • Please note; • Regardless of the level of coverage under the Dental plan, one can and should keep status of dependents up to date. • Example; upon the loss or acquisition of a dependent; (spouse/child) make the change through an enrollment form, available from the board office, to amend your status. Please do this within 90 days prior to, or after, the change otherwise coverage is limited to $250.00, for that new dependent, for one year

  8. ?Questions? If you have questions from your colleagues or you want further info Please contact; The Sunrise Office; 204 268 9241 president@sunriseteachers.ca or Glen Anderson, MTS Benefits Staff Officer Direct line 831 3052 or at, ganderson@mbteach.org

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