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Voluntary Dental - Eligibility and Underwriting Requirements

Plan Requirements

Minimum group size of 51 eligible employees or at least 26 enrolled subscribers.
Employers to set up payroll deductions and submit premium on behalf of their employees.
ODS Voluntary dental plans cannot coexist with another dental plan offered by another carrier.

Eligibility

The plan requires a waiting period of the 1st of the month following 90 days of employment, unless ODS is replacing prior dental coverage.
Eligible employees and their dependents may initially enroll during annual open enrollment.
Dependents must be enrolled at the time the eligible employee initially enrolls, or at the time of a qualifying event. The eligible employee must be enrolled in the plan to add dependents to the coverage.
If coverage is dropped at any time the employee and/or dependents may not re-enroll in the plan.

Participation Requirements

ODS requires a participation level of at least 35 percent for groups with 51 or more employees or at least 26 enrolled subscribers.

Participation requirements will be credited five percent if the group complies with the following;

Executive from employer group endorses the ODS Voluntary dental program.
A memo/ brochure of the ODS Voluntary dental plan is distributed to all eligible employees.
ODS Marketing Service Representative works with employer group to schedule and conduct mandatory enrollment meetings.
All eligible employees complete an ODS enrollment/declination form.

Contribution Requirements

Employee contributions must be up to 100% of the premium.