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Know your benefits
Open enrollment period is Sept. 1 - Oct.15
The UFT Welfare Fund provides dental benefits through three types of programs: the Scheduled Benefit Plan, which provides services through our panel or a dentist of your choice; Dentcare, a no-cost dental HMO; and the Florida Dental Discount Plan for year-round Florida residents.
The plan that you are automatically enrolled in as a new UFT member is the Scheduled Benefit Plan. If you select one of the UFT’s panel dentists (called SIDS), many of the routine procedures such as cleanings are free. Panel dentists may charge a co-pay of $150 for certain high-cost procedures, such as root canals, crowns and dentures, and $200 for orthodontic appliances.
Tips if you see a dentist not on the panel
The Scheduled Benefit Plan allows you to see any dentist, but if you go to a dentist not on the panel, your out-of-pocket costs can grow. You are responsible for the difference between your dentist’s charges and the plan’s reimbursements. It’s a good idea to show your dentist a copy of the UFT’s “Schedule of Covered Dental Expenses” since it might influence how much he or she charges you. The dental forms and the fee schedule can both be downloaded at www.uftwf.org, or you can call the Welfare Fund Forms Hotline at 1-212-539-0539.
In Florida, the PPO panel (Cigna) operates in the same manner, with little or no out-of-pocket costs if you use a panel dentist. To reach the dental panelists in the New York area, call 1-866-679-SIDS or 1-516-394-9408 or visit www.uftdental.com. To reach the Florida PPO panel, call 1-800-577-0576 or visit www.uftwf.org or www.mycigna.com.
The no-cost option
Enrollment in Dentcare allows you to avoid all out-of-pocket dental expenses. Just as with a health care HMO, you select a primary dentist from Dentcare’s list of more than 350 providers in the tri-state area. That dentist will perform all necessary work or will refer you to a Dentcare specialist if deemed necessary. There are no co-pays, no claims to file, and no danger of hidden costs for covered services.
A few factors for you to consider: If you have a dental emergency while traveling, Dentcare will only reimburse you up to $50 for pain relief. You have to return home for any dental work. If you have young children, be aware that Dentcare does not offer pediatric dentists.
If your dentist happens to belong to both plans, you will save money by enrolling in Dentcare, though keep in mind that if you need serious dental work, you will need a referral to see a specialist on the Dentcare panel. If your dentist belongs to neither plan, you’ll need to decide whether continuing to see that dentist is worth the extra out-of-pocket expense.
While enrolled in the Dentcare HMO plan, dental services performed by a non-Dentcare provider are not reimbursable. If you would like specific information about this plan, please contact Dentcare directly at 1-800-468-0608 or 1-516-542-2700.