Benefits

Indemnity:

Standard or Enriched. Select the dentist of your choice. Benefits are payable at various coinsurance levels. A deductible is applied for services other than preventive and diagnostic. Annual maximum reimbursements are: $1,000 per person for the Standard plan and $1,500 per person for the Enriched plan. The Enriched plan also includes orthodontia.

Prepaid:

Standard or Enriched. Choose a plan dentist from a list of participating dentists and receive coverage for a variety of services.  Participating dentists are primarily in the South Florida Tri-county area.

Most preventive, diagnostic and many other services are provided at no additional cost to members. Some services have fixed co-payments.  There are no claim forms, no deductibles and no annual dollar maximum under the prepaid dental programs. The Enriched Prepaid Dental plan provides additional benefits and specialty coverage not covered under the Standard program. Services must be received by a participating provider within the plan's service area.

Is coverage guaranteed?

You are guaranteed group dental and group vision coverages as long as you enroll during Open Enrollment, during your initial eligibility period, within 45 days of a Change In Status (60 days to add newborns), or if
you are qualified under HIPAA.

Union Plan

If you are enrolled in the DCFF Fire Union-sponsored health plan, you may elect coverage through the Optix vision plan, but you cannot participate in any County-sponsored dental program.