OBMSM Incentive Specialty Option
The OBM Incentive Specialty Option is a higher-priced plan with fully insured dental and vision components. Please see below for a list of some of the benefits and services that are included.
OBM Incentive Specialty Option dental benefit details
| Dental | In-Network : National Options PPO 30 |
Out-of-Network (UCR)1 |
|---|---|---|
| Preventive/Basic/Major Coinsurance |
100%/80%/50% | 90%/70%/50% |
| Out-of-Network Reimbursement | 85% | 85% |
| Annual Maximum | $1000 ($1500 Option) | $1000 ($1500 Option) |
| Deductible (Single/Family) | $50/$150 | $50/$150 |
| Preventive Care (teeth cleaning and x-rays) | 100% | 90% |
| Basic Care (fillings, restorations, root canals, endodontics, periodontics, oral surgery) | 80% | 70% |
| Major Care (crowns, bridges and dentures) | 50% | 50% |
| Orthodontia (optional) | Covered 50%; $1000 and $1500 lifetime maximum - minimum of five eligible | Covered 50%; $1000 and $1500 lifetime maximum - five enrolled (effective 7/1/20) |
| Waiting Periods (Major Care and Orthodontia) | 12 months for CT, NJ; 6 months for NY | 12 months for CT, NJ; 6 months for NY |
OBM Incentive Specialty Option vision benefit details
| Vision | In-Network |
Out-of-Network |
|---|---|---|
| Eye Exam (every 12 months) | $10 copayment | Up to a $20 reimbursement |
| Pediatric Eye Exam | Members 0-12 years of age will receive an additional eye exam benefit. $10 Copayment; every 12 months | Up to a $20 reimbursement |
| Materials | A $25 materials copayment covers lenses and frames combined or contact lenses. | |
| Frames (every 24 months) | $130 retail frame allowance applied to the cost of the frames, plus 30% discount off frame cost above the allowance at participating network locations. (Not all providers may offer this discount. Please contact your provider to see if they participate.) | Up to a $25 reimbursement |
| Replacement Pediatric Frames (every 24 months) | Members 0-12 years of age will receive a replacement frame benefit when the member has a prescription change. An additional $130 retail frame allowance applied to the cost of the frames, plus 30% discount off frame cost above the allowance at participating network locations. (Not all providers may offer this discount. Please contact your provider to see if they participate.) | Up to a $25 reimbursement |
| Lenses (every 12 months) | Standard lenses included in $25 copayment. | Up to a $20 - $40 reimbursement |
| Replacement Pediatric Lenses (every 12 months) | Members 0-12 years of age will receive a replacement lenses benefit when the member has a prescription change. Standard lenses included in $25 copayment. | Up to a $20 - $40 reimbursement |
| Contacts (every 12 months) | Selective contacts included in $25 copayment. | Up to a $55 allowance |
Benefits include
$25,000 Employee Life Benefits