Dental Insurance

Marsh & McLennan

About Dental

Dental insurance is a coverage that helps defray the costs of dental care. It insures against the expense of routine care, dental treatment and disease.

For full plan details, please visit your benefit website: www.mybenefitshub.com/littlefieldisd

The purpose of the Littlefield ISD Dental Plan is to provide all eligible employees and their eligible dependents financial assistance by a partial reimbursement of noninsured expenses paid to a licensed dentist. Reimbursement is made for expenses incurred while the employee or dependent is covered under the Plan. All eligible employees and dependents electing coverage must complete an enrollment form. Those employees enrolling annually by August 31st will have coverage beginning September 1st through August 31st of each year. New hires after August 21st will be eligible the first day of the month following date of employment.

Cost of the Plan

Littlefield ISD will pay the entire premium cost of the plan for each Full-time employee. Those employees electing to cover dependents will pay the following monthly charge: the new dependent is acquired. Notification of this addition must be made by completing a new enrollment form and submitting it to the Plan Administrator.

Dependent Eligibility

Eligible Dependents include your spouse and unmarried dependent children. Dependent children are to be defined as children from birth to age 26, step-children to age 26, foster children, and grandchildren. The dependent must be eligible for a deduction on the employee’s Federal Income Tax Return.

Plan Description

Littlefield ISD Dental Benefit Plan will reimburse employees for dental expenses at the rate of 80% of the first $250.00 of covered treatment and 50% of the next $1,600.00. Maximum benefit reimbursed is limited to $1,000 per plan year participant. Covered expenses will be considered for all procedures performed by or under the direction of a dentist licensed by the state in which the service is performed. Reimbursement will be based on the date the procedure is performed.

Claim Procedure

Employees electing to cover their dependents must do so on initial enrollment. Employees can enroll dependents only on the plan anniversary date after their initial enrollment. Once dependent coverage has been elected and payroll deduction authorized, coverage cannot be terminated (except on the plan anniversary date) without evidence of financial hardship or a change in dependent status (death, divorce, attainment of age 26). A newly acquired dependent may be added within 31 days of the time that

Our plan is not dental insurance, thus the claim process is simplified and reimbursement easier. Reimbursement request forms will be available. When the dentist has been paid for the service, submit the claim form along with an original paid receipt to the claims office and a reimbursement check will be returned to you. Requests for reimbursement must be made within 60 days from the time the dentist is paid.