Initial Enrollment for Active Members: You may enroll in
Dental coverage during open enrollment. Once you have
enrolled, you will have coverage for a one-year period.
There are enrollment opportunities annually. Coverage is
only available through pension deduction. If you choose to
discontinue coverage at any point in time, you will not be
family status, such as marriage, divorce, birth or adoption
of a child, death of a dependent, or the end of existing
COBRA coverage.
There are two allowable exceptions to enroll in the NCRGEA
Dental Plan.
1. If you choose to elect COBRA at retirement, you have
10
COBRA expires.
2. If you are covered under your spouse’s employer’s
Dental Plan and your spouse retires, you are able to
enroll then or when your spouse’s COBRA coverage
expires.
Enrollment for New Members: When you become a new
coverage. If you decide not to elect coverage, you may
not enroll until the next open enrollment period. You are
subject to the same enrollment rules as described for Active
Members above.
Ongoing Enrollments: NCRGEA offers an open enrollment
every year. Members who are currently enrolled in
the NCRGEA Dental Plan may choose to continue to
have coverage, move between the high and low plan, or
discontinue coverage during this time. If you remain in the
NCRGEA Dental Plan, you will participate for another oneyear
period. Members who want to cancel coverage must
end of the calendar year.
30-day Post Open Enrollment Window: You can change
or cancel your coverage within 30 days of enrollment if The
Standard has not received and/or paid any Dental claims.
cancellation) will be denied. After this initial window, you
will remain in the NCRGEA Dental Plan for 1 year.
payable for expenses incurred:
1. for any treatment which is for cosmetic purposes,
Procedures.
2. to replace any prosthetic appliance, crown, inlay or
years of the date of the last placement of these items.
accidental bodily injury sustained while the plan
it will be a Covered Expense.
3. for initial placement of any dental prosthesis or
prosthetic crown unless such placement is needed
because of the extraction of one or more teeth while the
plan participant is covered under the dental expense
dental prosthesis or prosthetic crown must include the
replacement of the extracted tooth or teeth.
5. for any procedure begun after the participant’s
or for any prosthetic dental appliances installed or
delivered more than 90 days after the participant’s
c. splint or replace tooth structure lost because of
abrasion or attrition
Dental Procedures.
9. for orthodontic treatment
under any workmen’s compensation or similar law, or
charges for services or supplies received as a result of
any dental condition caused or contributed to by an
injury or sickness arising out of or in the course of any
11. for charges for which the plan participant is not liable
or which would not have been made had no insurance
been in force.
and treatment or are not within the generally accepted
parameters of care.
13. due to war or any act of war, declared or not.