Many plans have slashed reimbursements or are not raising them in any appreciable way, even though every individual and every business has seen significant inflation and there is no end date we know where that trend slows. Many dental practices are reducing the number of insurance companies they participate with or dropping them altogether. While most dental insurance used to be a noble institution and help for people, it seems like that is changing. If this is your situation, ask us how you can avoid the pitfalls and confusion with these plans with our Legacy Dental Plan. The utilization of these plans are often minimal, which means you could be paying much more in premiums that you will ever realize in benefit. Any benefit or eligibility cannot be determined until a claim has been received and processed.” This often means that your dental care will be delayed or even never completed before the end of your benefit year or until your plan expires. Nobody likes these kinds of surprises, but with these plans there are no guarantee of benefits and eligibility as each dental carrier will inform you and the dentist, “There is never a guarantee of benefits or eligibility. In fact, they often contain waiting periods, pre-existing condition and missing tooth clauses, frequency limitations, deductibles, exclusions, etc. These defined LIMITED dental benefit plans are not designed to cover all the cost of your dental care. ![]() It is a defined, LIMITED dental benefit, ranging from $1,000-$2,500 (national average) in annual benefits that expires at the end of the current benefit year. Dental “insurance” is not really insurance at all, at least not in the same way as a medical plan. Employees covered by a non-City group health plan can enroll in the MSC Buy-Out Waiver Program and waive City health benefits to receive an incentive payment, up to $1,000 per year.At Legacy Dental Group, we strive to offer all our patients the best dental care possible and never allow an insurance company to dictate patient care. The Flexible Spending Program allows City employees to deposit a portion of their pre-tax income into accounts maintained for certain health and dependent care expenses not covered by insurance. Young Adult Option Through Age 29 (NYS Law Chapter 240) - July 2023.Health Benefits Buy Out Waiver Application - 2023 (Return with health benefits enrollment application, marriage/birth certificates and proof of non City health coverage).September 2023 Basic Plan and Optional Rider Rate Sheet.Dependent Eligibility Required Documentation.Adding Domestic Partner to City Health Plan Coverage.NYC Health Summary of Benefits and Coverage.NYC Health Insurance Summary Plan Description.PSC-CUNY Welfare Fund Prescription Information.Reimbursement Form for Nonparticipating Vision Provider. ![]() Davis Vision Website: Click Members tab at bottom use client code 2022.PSC-CUNY Welfare Fund Optical Information.Video: Your Welfare Fund Delta Dental Benefit.Procedural Limitations (By Frequency or Age).Full-time Instructional and Non Instructional (Professor, HEO Series and ECP) PSC-CUNY Guardian Dental
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