High Option Benefit Summary

This is a brief description of services the GEHA Connection Dental Federal Plan's High Option will cover in 2020. To compare the High Option side by side with the Standard Option, click Choose & Compare Plans.

For 2019 benefits, see Section 5 of the 2019 plan brochure (PDF).

Do NOT rely on this chart alone. All benefits are subject to the definitions, limitations and exclusions set forth in the Plan Brochure.

2020 Plan Year High Option Benefit Schedule

	Waiting Period	Calendar Year Deductible	Plan Pays
Class A*    Exams    Cleanings**    X-rays	None	None	In-network: 100% Out-of-network: Plan pays 100% of the plan allowance. Member pays any difference between the plan allowance and the billed amount.
Class B*    Fillings    Extractions    Periodontal maintenance	None	None	In-network: 80% Out-of-network: Plan pays 80% of the plan allowance. Member pays any difference between the plan allowance and the billed amount.
Class C*   Root canals   Bridges   Crowns   Dentures   Implants***   Periodontal surgery	None	None	In-network: 50% Out-of-network: Plan pays 50% of the plan allowance. Member pays any difference between the plan allowance and the billed amount.
Class D – Limited to a lifetime maximum of $3,500 per covered person   Orthodontic services (no waiting period for High Option)	None	None	In-network: 70% Out-of-network: Plan pays 70% of the plan allowance. Member pays any difference between the plan allowance and the billed amount.

New for 2020: The High Option calendar year maximum for Class A, B and C covered services is unlimited per person. A complete list of plan limitations and exclusions may be found in the Plan Brochure.

** Plans cover two cleanings per calendar year.

*** Implants are limited to $2,500 per covered person per year, included in the Calendar Year Maximum Benefit.

Pretreatment estimate – Before you receive treatment, estimate how much your care will cost. You or your provider can send in an itemized proposed treatment plan and we will send you and your dentist an explanation of how the services will be covered.

Orthodontic services – GEHA does not cover orthodontic services previously started with  another carrier, except for High Option members with orthodontics started under TRICARE.

Choosing a dentist – You have the choice of providers. However, for many services, your out-of-pocket costs may be lower when you visit in-network locations. Network providers will not bill you more than the Plan's maximum allowable charge for covered services.

Claim forms – No special claim forms are required. Just send in the itemized bill from your provider.

Limitations and exclusions – This plan has certain limits on dental coverage in order to keep plan rates affordable for you and your dependents. A complete list of plan limitations and exclusions may be found in the Plan Brochure.