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Delta Dental Employee Carve-Out Rules
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Feb 26, 2009
Delta Dental will allow Employee class carve-outs, effective February 24, 2009, without the requirement of having the remaining employees covered under the DeltaCare USA program. Employee class carve-outs can comprise of management/non-management, union/non-union and hourly/salaried. If you encounter combinations other than these, please
contact your B&P Sales Representative.
The Delta Dental caveats of carve-outs:
- The carve-out assumes that the remaining employees will have no coverage. If they do have coverage, then the following approval process applies:
- If coverage is with Delta Dental’s PPO or PPO Plus Premier, then the carve-out is not allowed since a group cannot have multiple fee-for-service plans in place
- If coverage is with DeltaCare USA (Delta Dental’s prepaid program), then the carve-out is allowed.
- If coverage is with another carrier, then the carve-out is not allowed.
- Level 2 rating still applies for all employee class carve-out groups, regardless of the nature of their industry.
- All other program requirements, i.e. minimum enrollment, contributions, etc., will continue to apply as well.
If you have any questions, please do not hesitate to
contact your B&P Sales Representative.