geha 2022 dental plans

GEHA 2022 dental plansThank you for your service

● 84+ years, started by Railway Mail Carriers

● 2+ million members worldwide

● One of the largest carriers in the FEDVIP

● Exclusively Federal / Postal / Annuitants / Military retirees

● Extensive nationwide network of doctors, dentists, hospitals and other providers

● GEHA starts with you

geha.com/Military

Presenter

Presentation Notes

Welcome and thank you for joining us for a review of GEHA’s 2022 dental plans. We here at GEHA are proud to serve those who have served our country and we thank you for your service. GEHA stands for Government Employees Health Association. We focus exclusively on federal and postal employees and retirees, military retirees and their families. We were founded over 84 years ago by a handful of railway mail carriers and have grown to more than 2 million members worldwide.

http://www.geha.com/Military

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• Email ON24 at [email protected]• Questions about GEHA benefits?

Email [email protected] or call 800.821.6136

Presenter

Presentation Notes

-There is a slide up right now with tips for enjoying this webinar. If you are having any technical issues, you can try refreshing your browser. If that does not work, email ON24 at [email protected]. You should be hearing me through the audio on your computer. ________ You’ll find a copy of the slides with speaker notes within the webinar condole under the If, at any time during this webinar, you experience any technical issues, first try refreshing your browser and see if that works. the sound and presenters voice should be coming through your laptop, computer or mobile device. You do not need to mute your computer during this event. If you have questions about GEHA benefits, feel free to type your question in the box below the slides and hit Submit. A GEHA Benefits Adviser, like me, will respond to your registered email within one business day.

mailto:[email protected]

mailto:[email protected]

tel://8008216136/

Agenda

1

GEHA members have extra benefits and savings

2

Eligibility for FEDVIP dental as a retired service member

3

Benefits review of High and Standard; which one is right for me?

4

Connect with GEHA; Online tools and appointment booking

5

Coverage for overage dependents

Presenter

Presentation Notes

Today we’ll take you through the extra benefits our dental members have access to, then we’ll talk about eligibility for retired service members and family. We’ll review our High and Standard dental plans and compare the two side-by-side. we’ll discuss the online resources we offer to help you choose a plan and ways to connect with us during Open Season and we’ll finish up with what options are available to overage dependents who age out of their parents’ dental plans.

Included benefits and savings with no additional premium.

Vision benefits & discounts

geha.com/Vision

Teeth whitening discount

geha.com/Whitening

Electric toothbrush discount

geha.com/Toothbrush

Hearing aid discounts

geha.com/Hearing

Medical alert system discount

geha.com/LifeAlert

Presenter

Presentation Notes

GEHA dental plan members get additional benefits beyond their dental coverage, with no additional premium. They include: -an annual vision exam for $5 or less at an EyeMed provider along with discounts on lenses and frames. -Save 30-60% off hearing aids through TruHearing -discounts on at-home teeth whitening -along with substantial discounts on a premium electronic toothbrush and replacement toothbrush heads by CariPro -and discounts on medical alert systems with Life Alert.

https://www.geha.com/savings/vision-coverage

https://www.geha.com/savings/teeth-whitening

https://www.geha.com/savings/electric-toothbrush-discount

https://www.geha.com/savings/hearing-aid-discounts

https://www.geha.com/savings/medical-alert-system

Today’s presenter

Lisa MinardiBenefits Adviser | GEHA

Schedule a private benefits session with a GEHA Benefits Adviser at geha.com/Meet

The information contained herein is for informational and educational purposes only. This information is not a substitute for professional medical advice and if you have questions regarding a medical condition, regimen or treatment you should always seek the advice of a qualified health care provider. Never disregard or delay seeking medical advice from a qualified medical professional because of information you have read herein.

Presenter

Presentation Notes

I’m Lisa Minardi, one of GEHA’s benefits advisers, here to help you choose the dental plan that best fits you and your family’s needs. You can book a benefits consultation with a GEHA benefits adviser at geha.com/Meet or scan the QR code.

https://calendly.com/gehateam/meet?month=2021-09

GEHA Standard & High dental

• No in-network deductibles• 400,000 in-network provider locations

nationwide geha.com/Find-Care• Worldwide coverage• No waiting periods, except orthodontic

treatment on Standard plan• Adult and child orthodontia

This is a brief description of services covered under the GEHA Connection Dental Federal plan. For a complete list of plan limitations and exclusions, please refer to the GEHA Connection Dental Federal Plan Brochure available online at geha.com/PlanBrochureDental.

geha.com/DentalGuide2022

Presenter

Presentation Notes

There are several features that both GEHA’s Standard and High dental have in common. You never have an in-network deductible; Our members have access to close to 400,000 in-network dental locations nationwide. There are no waiting periods, except orthodontic treatment on our Standard dental plan. And both options cover Adult and Child Orthodontia.

http://www.geha.com/Find-Care

https://www.geha.com/PlanBrochureDental

http://www.geha.com/DentalGuide2022

NEW: Emergency dentist virtual visit

• 24/7 virtual dental care when your dentist is not available

• One limited oral evaluation, problem focused (D0140) will be allowed per patient in a 12 consecutive month period

• Use a GEHA virtual dental visit when you:

• are having a dental emergency and do not have a dentist

• need access to a dentist after hours

• need to consult a dentist without leaving home, or while traveling

This is a brief description of the features of GEHA’s FEDVIP plans. Before making a final decision, please read the GEHA Federal brochure available at geha.com/PlanBrochureDental All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

TeleDentistry.com/geha

Presenter

Presentation Notes

New in 2022, GEHA is partnering with TeleDentistry.com to bring you emergency dentist virtual visits. Beginning in 2022, when your dentist is not available or you don’t have one yet and have a dental emergency, visit Teledentistry.com/geha to schedule a virtual dental visit. Use teledentistry.com when you need access to a dentist after hours, when you need to consult a dentist without leaving your home or while traveling.

http://www.teledentistry.com/geha

Enrollment eligibility for retired service members• Most retirees are eligible for dental coverage.

• Premiums are paid post-tax.

• Initial enrollment allowed within 31 days prior to and up to 60 days after military retirement.

• If you miss the initial enrollment window, you will have to wait until Federal Open Season to enroll; coverage would then begin January 1.

• No dual FEDVIP enrollment allowed. Cannot be enrolled in FEDVIP as a federal employee and retired service member.

Check eligibility and enroll at benefeds.com or call BENEFEDS at 877.888.3337

Presenter

Presentation Notes

Enrollment eligibility is slightly different for retired service members and dependents than they are for federal civilian employees. You can enroll within 31 days of retirement or up to 60 days after retirement. If you miss the initial enrollment window, you’ll have to wait until November to enroll during the Federal Open Enrollment period and your coverage would then start on January 1. You are NOT allowed to have double FEDVIP coverage. Meaning you cannot be enrolled as both a federal civilian employee or retiree, while also being enrolled as a retired service member. You can check your eligibility and enroll at benefeds.com or call Benefeds at 877.888.3337

http://www.benefeds.com/

tel://877.888.3337/

Eligibility for retired service members’ spouses and eligible dependents• Spouses and eligible dependents may enroll

without the sponsor having to enroll if one of three criteria apply:

• The sponsor is receiving Veterans Affairs (VA) dental services

• The sponsor has dental insurance through their employer that doesn't cover family members

• The sponsor is unable to receive dental services due to a medical or dental condition

Dependents of retired service members are eligible until age 21; full-time students are eligible until age 23.

Presenter

Presentation Notes

Enrollment eligibility is slightly different for retired service members and dependents than they are for federal civilian employees. Spouses and eligible dependents can enroll without the sponsor having to enroll if one of the three criteria listed here apply. If the sponsor receives VA dental services or if the sponsor has dental insurance through work but it doesn’t cover family members, or the sponsor is unable to receive dental benefits due to medical or dental condition. Other important difference from civilian federal eligibility is that dependents are eligible until age 21, and full-time students are eligible until age 23.

Orthodontic treatment for adults and children• Orthodontic services for dependents previously

started under the Tricare Dental Program (TDP) will be covered for ongoing Orthodontic care under GEHA’s High Dental plan only

• High dental has no waiting period for orthodontic treatment

• Standard dental has a 12-month waiting period

• GEHA High and Standard both offer adult & child orthodontia

Presenter

Presentation Notes

Normally, GEHA would not cover orthodontic services previously started with another carrier. However, dependents of retiring Tricare Dental Program enrollees who are enrolled in GEHA High Option are covered for continuing their orthodontic treatment that was started under Tricare. Something that is a little different than Tricare Dental is that many of the FEDVIP dental plans provide coverage for adult orthodontic treatment, including GEHA’s High and Standard Option.

GEHA High dental plan geha.com/CompareDental

High• GEHA’s most comprehensive

dental coverage. • No waiting periods for

orthodontic treatment for children and adults

• Unlimited annual maximum benefit per person

How often you use your plan

Who should consider High dental?• Expecting intermediate to major

dental care in the coming year, including orthodontic care

• Have a medical condition that can affect dental health

• Looking for peace of mind that comes with comprehensive coverage

LOW AVG HIGH

Presenter

Presentation Notes

Those who are expecting major dental care or orthodontia treatment in the coming year may want to consider High dental. If you have a medical condition that can affect your dental health you too may want to consider our High plan.

http://www.geha.com/CompareDental

GEHA Standard dental plan geha.com/CompareDental

Standard

• GEHA’s lowest premium plan • Orthodontic coverage for both

children and adults with a 12-month waiting period

• $2,500 in-network annual maximum benefit per person

How often you use your plan

Who should consider Standard dental?• Maintain regular preventive visits

that benefits your overall health • Orthodontic care anticipated

in the future, but not in the coming year

• Those who want peace of mind knowing they have additional dental benefits beyond what’s included in your medical plan

LOW AVG HIGH

Presenter

Presentation Notes

If you are looking for our lowest premium plan and 100% in-network coverage for preventive visits that benefits your overall health, you may want to consider GEHA’s Standard dental.


High dental benefits geha.com/HighDental

2022 plan year HighWhat the plan pays In-network or out-of-network

Class A – BasicTwo exams, two cleanings and one X-ray per calendar year 100%

Class B – IntermediateFillings, extractions and periodontal maintenance 80%

Class C – MajorRoot canals, crowns, bridges, dentures, periodontal surgery (implants limited to $2,500 per person/year)

50%

Class D – OrthodonticsAdults and children

70%No waiting period$3,500 lifetime maximum

Calendar year maximumfor Class A, B and C services Unlimited per person


$0 annual deductible, in- an out-of-network. No waiting periods.

Presenter

Presentation Notes

Let’s take a closer look at both dental plans alone, and then side-by-side. High pays a higher percentage of your dental bills and the annual maximum is unlimited. High also pays the same level of benefits for both in- and out-of-network treatment with no deductible and has no waiting period for orthodontic treatment with a lifetime maximin per person of $3,500. Standard pays a smaller percentage of your bills and the annual maximum is $2500 per person. Looking for orthodontics without a waiting period? High is the plan for you.

http://www.geha.com/HighDental

Standard dental benefits geha.com/StandardDental

2022 plan year Standard Standard What the plan pays In-network Out-of-network

Class A – BasicTwo exams, two cleanings and one X-ray per calendar year 100% 75%

Class B – IntermediateFillings, extractions and periodontal maintenance 55% 50%

Class C – MajorRoot canals, crowns, bridges, dentures, periodontal surgery (implants limited to $2,000 per person/year in-network and $2,000 per person/year out-of-network)

35% 30%


70%12-month waiting period$2,500 lifetime maximum

70%12-month waiting period $2,000 lifetime maximum

Calendar year maximumfor Class A, B and C services $2,500 per person $2,000 per person


$0 in-network annual deductible. $25 out-of-network annual deductible per person, per year ($75 max). No waiting periods, except for orthodontics.

Presenter

Presentation Notes

Like our High dental plan, Standard dental covers in-network preventive dental at 100%. Standard pays a lower percentage of your overall dental care than our High plan does. Standard also has a one year waiting period for orthodontia and pays a lifetime maximum in-network benefit of $2,500. New for 2022, Standard has a lower level of benefits when you use out-of-network dentists. Standard dental also has an out-of-network deductible of $25 on Class B and C services for Self Only, $50 for Self Plus One and $75 for Self and Family.

http://www.geha.com/StandardDental

Compare GEHA dental plans geha.com/CompareDental


2022 plan year benefit

High What the plan paysIn or out-of-network

StandardWhat the plan paysIn-network

Standard What the plan paysout-of-network

Class A – BasicTwo exams, two cleanings and one X-ray per calendar year

100% 100% 75%

Class B – IntermediateFillings, extractions and periodontal maintenance

80% 55% 50%

Class C – MajorRoot canals, crowns, bridges, dentures, periodontal surgery

50% 35% 30%


70%No waiting period$3,500 lifetime maximum

70%12-month waiting period$2,500 lifetime maximum

70%12-month waiting period $2,000 lifetime maximum

Calendar year maximumfor Class A, B and C services Unlimited per person $2,500 per person $2,000 per person

Out-of-network deductible for Class B and C services is $0 for High, $25 Standard Self Only, $50 Standard Self Plus One and $75 Standard Self and Family.

Presenter

Presentation Notes

Feel free to pause this slide to review High and Standard side by side. You can also use our dental compare tool at geha.com/CompareDental


Find your premium. Use your ZIP code to find rate codeFind your state and the first three digits of your ZIP code in the chart below to determine your rate code. geha.com/DentalRatesd your state and the first three digits of your ZIP code in the chart below to determine your rateState First 3 digits of ZIP code Rate

code

AL, AR, GU, IA, MS, ND, NE, PR, VI

Entire state or territory 1

ID, LA, MO, MT, NC, OK, SC, SD, TN, UT, VT

Entire state 2

DE, HI, NM, OR Entire state or territory 3

CO, DC, NH, RI Entire state 4

AK Entire state 5

AZ 850-853, 864 3

AZ Rest of state 2

CA 900-931, 933-935, 939-952, 954, 956-959

5

CA Rest of state 4

CT 064-069 5

CT Rest of state 4

FL 329-334, 349 3

FL Rest of state 2

GA 300-303, 305, 306, 311, 399 3

GA Rest of state 2

IL 600-609, 613 3

IL 620, 622 2

IL Rest of state 1

State First 3 digits of ZIP code Rate code

IN 460-462, 470, 472, 473 2

IN 463, 464 3

IN Rest of state 1

KS 660-662, 666 2

KS Rest of state 1

KY 410 2

KY Rest of state 1

MA 012 2

MA Rest of state 4

MD 205-212, 214, 216, 217 4

MD 219 3

MD Rest of the state 2

ME 039-042 4

ME Rest of state 3

MI 480-485 3

MI Rest of state 2

MN 550-555, 563 3

MN Rest of state 2

NJ 080-084 3

NJ Rest of state 5

NV 897 5

NV Rest of state 3

NY 005, 100-119, 124-126 5

NY 063 4

State First 3 digits of ZIP code Rate code

NY 127, 129-139, 144-149 1

NY Rest of state 2

OH 430-433, 437, 440-443, 446, 447, 450-455, 459

2

OH Rest of state 1

PA 172-174 4

PA 180, 181, 183 5

PA 189-196 3

PA Rest of state 1

TX 755-759, 763-769, 776-779, 783-785, 788-799, 885

1

TX 733, 786-787 3

TX Rest of state 2

VA 201, 203, 205, 220-227 4

VA Rest of state 2

WA 980-985 5

WA 986 3

WA Rest of state 4

WI 540 3

WI Rest of state 2

WV 254 4

WV Rest of state 1

WY 834 2

WY Rest of state 1

INTL All International 5

Presenter

Presentation Notes

You can also find your premium easily by visiting geha.com/DentalRates and enter your home zip code. If you are using our dental benefit guide to find your premium, you first have to determine your rate code. Find your state in the table, then the first three numbers of your zip code within that state. If you don’t see your state listed alphabetically, like Oklahoma, look for it in the upper left of the rate chart where several states are grouped together with like rate codes. Oklahoma is rate code 2 for example.

http://www.geha.com/DentalRates

Step 2: Use your rate code to find your 2022 premiumHigh - Biweekly Rate code 1* Rate code 2* Rate code 3* Rate code 4* Rate code 5*

Self Only $17.28 $19.43 $21.24 $23.73 $25.72Self Plus One $34.56 $38.85 $42.48 $47.46 $51.45Self and Family $51.85 $58.28 $63.72 $71.19 $77.17

High – Retirees monthly Rate code 1* Rate code 2* Rate code 3* Rate code 4* Rate code 5*


Standard - Biweekly Rate code 1* Rate code 2* Rate code 3* Rate code 4* Rate code 5*


Standard – Retirees monthly Rate code 1* Rate code 2* Rate code 3* Rate code 4* Rate code 5*


* Rate based on member’s primary state of residence.

Presenter

Presentation Notes

Next find your Rate code column and follow it down to the option you are interested in, High or Standard, and lastly the enrollment type and premium frequency, biweekly or monthly.

Call usTalk with a helpful GEHA Benefits Adviser.877.590.4342

Compare plansEasily compare GEHA’s High and Standard dental plans.geha.com/CompareDental

Find a providerFind a dentist or see if yours is in-network.geha.com/Find-Care

Estimate costsSee if a dental service is covered and estimate how much you will pay for those services.geha.com/DentalPricing

Check rates for 2022geha.com/DentalRates

Get in touchLet us help you choose a GEHA plan that can work for you. geha.com

The information contained herein is for informational and educational purposes only. This information is not a substitute for professional medical advice and if you have questions regarding a medical condition, regimen or treatment you should always seek the advice of a qualified health care provider. Never disregard or delay seeking medical advice from a qualified medical professional because of information you have read herein.

Connect with GEHA during Open Season

Presenter

Presentation Notes

I wanted to make you aware of the virtual tools we offer to help you choose a GEHA plan, make sure to visit geha.com and use our dental plan comparison tool. You’ll also see ways to connect with GEHA benefits advisers like me. You can book an appointment, chat online, call us or watch an on-demand webinar.

tel://8002624342/


http://www.geha.com/Find-Care

http://www.geha.com/DentalPricing


www.geha.com/#getInTouch

• To enroll, visit benefeds.com or call BENEFEDS at 877.888.3337

• Coverage begins on January 1

• Already enrolled in a GEHA dental plan?

• Your enrollment will automatically renew

• If you want to change GEHA dental plan options, visit benefeds.com or call BENEFEDS at 877.888.3337

Enroll in a GEHA dental plan

Presenter

Presentation Notes

To enroll in GEHA High or Standard Dental visit benefeds.com or call Benefeds’ toll-free number. If you are enrolling or making a change during Open Season your new coverage will begin on January 1. If you are already enrolled in a GEHA dental plan, and you don’t want to change options, you don’t need to do anything, your coverage will continue automatically.

tel://877.888.3337/

http://www.benefeds.com/

tel://877.888.3337/

Connection Dental PlusStand alone dental coverage for overage dependents

• Covers 100% for in-network preventive care services.• Covers 80% for in-network fillings, extractions and periodontal maintenance• Covers 50% for in-network root canals, crowns, bridges and gum surgery.• Year-round enrollment with eligibility until age 26• Dependents of GEHA members pay lower premiums than non-GEHA members • Questions? Call 800.793.9335 or visit geha.com/CDPlus

geha.com/CDPlus

Note: Connection Dental Plus is not offered by the Office of Personnel Management (OPM) and is not part of the Federal EmployeesHealth Benefits Program (FEHBP). For information on our OPM-approved Federal Employees Dental and Vision Insurance Program (FEDVIP) dental plan, go to GEHA Connection Dental Federal® or call 877.GEHA.DEN (877.434.2336).

Presenter

Presentation Notes

Before we end today, we’d like to make you aware of our dental plans designed for dependents who may have aged out of their parents’ dental plan. With Connection Dental Plus your overage dependents can get their own comprehensive dental coverage with year-round enrollment that covers in-network preventive services at 100% along with fillings, extractions and other intermediate level care at 80%. Visit geha.com/CDPlus for more details and to enroll your overage dependents.

http://www.geha.com/CDPlus

Connection Dental DiscountStand alone dental discount plan for overage dependents

• Save 20%-60% on routine, major and specialty dental treatment.• Published fee schedules that offer cost transparency, so there won’t be any surprises.• Year-round enrollment with eligibility until age 26• Included vision discounts at VSP providers• Questions? Call 800.797.7222 or visit gehadentaldiscount.com

gehadentaldiscount.com

Note: Connection Dental Discount is not offered by the Office of Personnel Management (OPM) and is not part of the Federal Employees Health Benefits Program (FEHBP). For information on our OPM-approved Federal Employees Dental and Vision Insurance Program (FEDVIP) dental plan, go to GEHA Connection Dental Federal® or call 877.GEHA.DEN (877.434.2336).

Presenter

Presentation Notes

Another dental option for your overage dependents is Connection Dental Discount which also offers year-round enrollment. Save 20-60% on routine, major and specialty dental treatment starting at only $8.95 per month. Visit gehadentaldiscount.com to learn more and to enroll.

http://www.gehadentaldiscount.com/

GEHA has a dental plan for your needs.

Need help choosing a plan?Connect with us at geha.com

Presenter

Presentation Notes

Thank you for spending time with us today to learn about GEHA’s 2022 dental plans. Scan the QR code or visit geha.com to watch our other benefits webinars, chat online, call us or schedule an appointment with a benefits adviser.

www.geha.com/#getInTouch

geha 2022 dental plans

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