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- How do I apply for individual/family dental coverage?
- What are the rates for individual dental coverage?
- How does the dental plan work?
- How long does my dental plan stay in force?
- How does the member co-payment schedule work?
- Does Olympia offer PPO or EPO plans?
- Can I go anywhere for services?
- Do I have a deductible?
- What's my maximum?
- Do I have to pay anything?
- When and how often can I change the office to which I am assigned?
- Does my entire family need to go to the same general Dental Office?
- What percentage does the plan cover?
- Are my children or other dependents covered?
- What should I do if I need specialty care?
- My child needs braces. Where can I go?
- How do I apply for individual/family dental coverage?
Olympia is the one company in Illinois that offers stand-alone Individual and Family dental coverage. It's easy to apply. Simply complete an application (which can be downloaded from this Website) and submit it along with the annual premium to Olympia for processing. Credit cards (MasterCard or Visa), checks (payable to Olympia LHSO, Inc.) or Money Orders are accepted. Indicate the Dental Office of your choice on the application. The Dental Office has a corresponding number which must be included on the application. To locate a Dental Office, please review the provider directory on our Website.
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- What are the rates for individual/family dental coverage?
Olympia requires annual premium payments for Individual and/or Family coverage. Please click here for annual rate information.
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- How does the dental plan work?
Dental coverage is effective on the 1st day of the month following Olympia's acceptance of the application and confirmation of the payment of the premium. You will receive an I.D. card and information booklet from Olympia. Then, simply schedule an appointment with the Dental Office you selected. This Dental Office will provide you with your general dental care. If you need to see a Dental Specialist, you must obtain a referral from your general Dentist. In order to receive your dental benefits, they must be provided by a general dentist or specialist participating in the Olympia Dental Network.
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- How long does my dental plan stay in force?
Your dental plan is effective for one (1) year. It will renew for successive one-year terms thereafter unless you notify Olympia, in writing 60 days in advance, that you wish to discontinue your coverage. Olympia will notify you of the renewal cost approximately four weeks in advance of your renewal date. We assume that the payment process used in settling your most recent renewal with us is the one which will be used again. Annual premiums paid to Olympia for dental coverage are non-refundable.
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- How does the member co-payment schedule work?
Unlike most dental plans, Olympia offers dental coverage with no deductibles or co-insurance. There is no cost for routine dental care such as exams and cleanings. For minor or major restorative care a minimal co-payment may apply. For example, a one surface amalgam filling has a $18.00 co-payment under the Premium Plan 5500.
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- Does Olympia offer PPO or EPO plans?
For Individual and/or Family coverage, Olympia only offers Exclusive Provider Organization (EPO) and Discount plans. Olympia does not offer PPO plans for Individuals and/or Families.
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- Can I go anywhere for services?
No, you must use an Olympia Network Dental Office for all general and specialist dental care.
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- Do I have a deductible?
No.
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- What's my maximum?
There are no maximum amounts.
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- Do I have to pay anything?
You are responsible for the discounted fee or co-payment charges depending upon which plan you use. You can ask the Dentist for an estimate prior to having work done.
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- When and how often can I change the office to which I am assigned?
You can changes offices as often as it make sense. You must contact the Olympia office to get approval. If Olympia receives the request by the 15th, the change becomes effective on the first of the following month. If the request comes in during the second half of the month, Olympia will attempt to make the change by the first of the following month but can only guarantee that it will be done by the first of the month after that.
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- Does my entire family need to go to the same general Dental Office?
Yes. Specialist referrals will be issued on a case-by-case basis, as appropriate, through your assigned primary care Dental Office.
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- What percentage does the plan cover?
Some dental procedures are not covered by the plans, but generally you will save 50% to 100% on all covered dental care.
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- Are my children or other dependents covered?
Yes. From the age of four (4) until their 26th birthday as long as they remain single dependents can be covered. Single dependents over 26 and under 30 years of age must provide verification of their honorable discharge from the United States Armed Services approved by the Illinois Department of Veterans Affairs to remain covered.
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- What should I do if I need specialty care?
You need to go to your general Dental practitioner who will send a Specialty Referral Form to Olympia explaining the need for specialty care. Olympia will review and approve the request. You will contacted directly by the submitting Dentist when the referral form has been returned.
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- My child needs braces. Where can I go?
Orthodontic care is available, but only by an approved referral from Olympia. The Orthodontist must be in the Olympia Dental Network.
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