Topic

MSB Employee Benefit: Dental and Vision Insurance

Dental X-ray displayed on a tablet beside a person holding a pair of eyeglasses, representing dental and vision care benefits.

As a benefit of employment, the Borough offers dental and vision insurance coverage to eligible employees and their dependents.

The document below outlines the cost differences adding dental/vision to your medical plan to. All health insurance contributions are deducted from your paycheck on a pre-tax basis.

Employee Contribution Rates

What does our dental/vision plan cover? (Plan Summary)

The Borough offers one dental and vision plan, regardless of which medical plan you choose. You can also enroll in dental and vision coverage without enrolling in a medical plan. The plan summary document below explains how your dental and vision coverage works, what percentage of services are covered, and which services are included or excluded from coverage.

Dental/Vision Plan Summary

Dental Insurance

Allied Benefit Systems Logo

What dentist can I see?

The Borough dental plan does not have a provider network. This means there are no in or out of network providers. You can see whichever dental office you would like. For information on claims, login to your Allied portal here.

Vision Insurance

VSP Vision Care Logo

What eye doctor can I see?

The Borough vision plan is through VSP and uses the VSP network for providers. To ensure you are seeing an in network provider please visit VSP.com for more information.

Dental Coverage Incentives

Your dental benefits are designed to reward preventive care! When the primary policyholder (the employee) receives regular preventive dental care each year, coverage for certain *basic dental services increases over time for all covered persons on the plan.

Covered Basic Services and Provision	Coverage
Until the end of the Calendar Year in which coverage became effective**	60%
During the first full Calendar Year	70%
During the second full Calendar Year	80%
During the third full Calendar Year	90%
During each full Calendar Year thereafter	100%

*Basic dental services include important treatments such as root canals, periodontics, gum treatments, extractions, fillings, emergency treatment for dental pain, dental implants, and repairs to crowns, bridges, and dentures.

This is not a complete list of covered services, so please review the plan document to confirm coverage details and limitations for other services.

**If you are hired mid-year and have enough time to complete both regularly recommended preventive dental appointments before the end of the year, you may qualify to move to the higher level of coverage. If you are hired too late in the year to complete both appointments, your coverage will increase after you have completed a full year of recommended preventive care while enrolled in our plan.

Keeping up with routine exams and cleanings can help catch problems early while also helping you receive a higher level of coverage when additional dental work is needed.

What if my provider doesn't bill insurance?

Providers that bill insurance are doing so as a courtesy, and not all providers offer this service. If your provider does not bill insurance directly, you may still be eligible for reimbursement. Simply submit a manual dental or vision claim form, and the plan will process the claim based on the provider's network status and your applicable benefits.

Dental Claims: Either fill out the Dental Claim Form and submit via fax/mail or visit your Allied portal to submit electronically.