Dental & Orthodontia Plan
The Teamsters Local 320 Welfare Trust Fund is a comprehensive dental and orthodontia plan. The Plan has been run very efficiently over the years. In fact, the Plan has made benefit improvements while keeping a hold on premium costs.
The Plan offers a single premium rate whether a participant is single or has dependents.
Over the period of 2004 - 2016, the total premium increases are less than 1% annually overall.
The Plan uses Zenith American Solutions as the administrator, so our Employers simply mail the payment in and the rest is taken care of.
With a signed participation agreement with Teamsters Local 320, all employees are welcome to participate — both bargaining and non-bargaining units.
The Plan’s Trustees are concerned about its participants’ dental health. One benefit of the Plan that is different than most others is a $3,000 two-year dental maximum. That means a participant who requires extensive dental treatment can use the entire $3,000 in a single year.
In addition, the Plan’s reimbursement rates are more generous than most:
· Preventative Care - 100%
· Basic Services - 100% (typically 80%)
· Endodontics, Periodontal & Oral Surgery - 90% (typically 50-80%)
· Major restorative - 80% (typically 50%)
A separate $1,500 Orthodontia benefit payable at 100% for children from ages 8-18
All of this adds up to lower out of pocket costs for employees and their families.
If you have questions about Teamsters Local 320’s Dental Plan or you want to discuss offering the Plan to your employees, please contact Brian Aldes or Sami Gabriel at (612) 378-8700 or 1-800-637-5430
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