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CS Benefits- Dental and Vision

Dental and Vision Benefits

Austin Peay State University Alumni Association

Dental Insurance:

What is dental insurance?

  • Member pays a premium

  • CS Benefits pays the provider for dental treatment based on coinsurance level

  • Freedom to visit any dentist, but greater savings are possible when using a Dentemax participating dentist

What services are covered?

  • Preventive: includes semi-annual exams and cleanings, x-rays, fluoride treatments, space maintainers and sealants.

  • Emergency palliative care

  • Basic/Major: includes fillings, extractions, oral surgery & anesthesia, endodontics (tooth pulp treatment), non surgical periodontics (gum treatment) , surgical periodontics ,repairs to bridges and dentures , inlays/onlays/crowns, dentures and bridges

  • Orthodontics: corrective treatment of dental alignment for dependents under age 19 (only on highest plan)

What are the benefit maximums?

  • Preventive, Basic and Major: choice of  $750, $1000 or $1,500 annual maximum per person (based on plan selected)
  • Orthodontics: $1,000 lifetime maximum per person (highest plan only)

What are the deductibles?

  • Preventive: $0 deductible
  • Basic and Major: $50/deductible per person, maximum of 3 per family
  • Orthodontics: $0 deductible

What are the waiting periods?

  • Preventive, Basic, and Orthodontics: no waiting period
  • Major : 12 month waiting period for new enrollees

Are there any pre-treatment authorizations required?

  • Yes, any treatment valued at $300 or more requires pre-authorization

 Vision Benefits:

What is vision insurance?

  • Member pays a monthly or biweekly premium
  • Member also pays a copayment at the time of service
  • CS Benefits pays the provider for vision services based on schedule of benefits
  • Freedom to visit any optician or ophthalmologist, but greater savings are possible when using a Davis Vision participating provider

What are the copayments?

  • Exams: high -$10 ; mid- $10; low -$20
  • Eyeglass lenses and contact lenses:  high-$10; mid- $25, low - $20
  • Other services: see benefit summary

What are the frequency limitations?

  • Exams, eyeglass lenses and contact lenses: every 12 months
  • Eyeglass frames: every 24 months

Please speak with your alumni representative for rates. 1-800-843-7752

Enrollment Form

Dental Coverage

Individual_Draft_Authorization.pdf

Member Information

Vision Benefits

Premium_By_Credit_Card.pdf