Dental

Jokake offers two dental plans through Unum. The dental plans allow you to use in-network or out-of-network benefits. If out-of-network dentists are used, you will be responsible to pay the difference between Unum's allowed amount and what the dentist may charge, also known as “balance billing.”

Dental Plan Overview

Members who take care of their teeth, but use only part of their annual maximum benefit during a benefit period are rewarded with extra benefits in future years! Carryover benefits will be accrued and stored in the insured’s carryover account to be used in the next benefit year.

Each benefit year a member must have:

One cleaning,
One regular exam, and
Total dental claims for preventive, basic and major covered procedures paid during the year below the threshold limit.
If all three criteria above are met, a portion of the annual maximum will carry over to the next year.

Other Specifications:

Each covered family member receives their own carryover benefit.
Group carryover benefit rider must be in effect for one benefit year before any members can utilize carryover benefits.
A member must be on the plan for a minimum of three months before accruing carryover benefits.
Carryover benefit may be used toward preventive, basic and major covered services only.
A member’s carryover account will be eliminated, and the accrued carryover benefits lost if the insured has a break in coverage for any length of time or any reason.

Dental

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How does the carryover benefit work?