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OBMSM Incentive Specialty Option

The OBM Incentive Specialty Option is a higher-priced plan with fully insured dental and vision components - in addition to an Employee Assistance Program, WorkLife services, and health discounts. Please see below for a list of some of the benefits and services that are included.

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In-Network : National Options PPO 30

Out-of-Network (UCR)*

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 lifetime maximum. 10 enrolled Covered 50%; $1000 lifetime maximum. 10 enrolled
Waiting Periods (Major Care and Orthodontia) 12 months for CT, NJ; 6 months for NY 12 months for CT, NJ; 6 months for NY
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Eye Exam (every 12 months) $20 copayment Up to a $20 reimbursement
Materials A $50 materials copayment covers lenses and frames combined or contact lenses.  
Frames (every 24 months) $70 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 $50 copayment. Up to a $20 - $40 reimbursement
Contacts (every 12 months) Selective contacts included in $50 copayment. Up to a $55 allowance

Benefits Include

  • $25,000 Employee Life Benefits
  • Health Discounts
    • A discount program offering savings of 5% to 50% on health-related products and services:
      •  Vision (eye exams, LASIK eye surgery, optical products) 5% to 50%
      •  Dental (general dental, cosmetic dentistry, orthodontia) 10% to 35%
      •  Alternative Medicine (chiropractic, massage therapy, acupuncture) 20%
      •  Wellness (fitness, smoking cessation, weight management, nutrition) 10% to 50%
      •  Long Term Care (home health care, DME, hospice) 5% to 30%
      •  Hearing (testing and hearing devices) 10% to 20%
      •  Infertility (In-vitro fertilization, reproductive endocrinology) 5% to 20%

* Out-of-network benefits are paid based on UnitedHealthcare Dental's Maximum Allowable Charge (MAC) schedule, unless Out-of-Network Reimbursement is otherwise defined.

Please note: This is a sample summary provided for informational purposes only. Coverage is subject to the terms and conditions of the Member Certificate or other applicable Member benefit information.

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