Dental Insurance (Retiree)

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Whether you are new PEF Retiree or have been retired for awhile, there are options for your dental care. We have organized these dental plan options by your retirement status in the chart below. Find which tab applies to you, click on it and it will walk you through the dental plan description.

Membership Benefits Program is administering the PEF Retiree Dental Plan and we can assist you with any billing questions including setting up a convenient billing method: pension deduction.

 

 

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The PEF Retiree Dental Program is…

…affordable

Your PEF Retiree membership allows low group rates for dental care designed with the most coverage and minimal out-of-pocket costs.

…convenient

Pay your dental premiums through pension deduction and enjoy the freedom and time-saving convenience. Pension deduction also saves you check processing fees for dues (14% per year).

…broad access to Emblem Health (GHI) network dentists

Emblem Health (GHI) pioneered dental insurance in New York over 40 years ago and has built a network of thousands of qualified practitioners throughout the U.S. For more information, visit the Emblem Health (GHI) website for a current list of network dentists: EmblemHealth.com.

…on-demand benefit information

A personalized, online portal for instant access to claims information, benefit eligibility, network dentist listings and more.

See chart below to determine where you fit into the plan based upon your retirement date.

Download Pension Deduction Form
Download Dental Enrollment Form

Eligibility


First year in the plan: Basic Dental Service unless you enroll in the dental program within 90 days after your retirement date (and you had a dental program prior to retirement). In that case, you are eligible to select the 80% prosthetics option.

After 12 months in the plan, you are eligible to upgrade to the 80% prosthetic rider coverage.

Note 1: When your time period to upgrade to a rider option becomes available and you decline, you will no longer be eligible for either rider option.

Note 2: Dues-paying PEF Retirees are eligible to participate provided they did not previously have the plan, then leave it.

Note 3: Special COBRA offer: If you apply within 30 days of your COBRA termination, you may select the 80% prosthetics option

Note 4: Dependents covered through age 19 and dependents students covered through age 25.

 

How to contact us:


Billing: PEF Membership Benefits
1-518-785-1900, ext. 243, option 4
1-800-342-4306, ext. 243, option 4
or email

Claims: Call Emblem Health (GHI): at 1-800-624-2414. Register online at EmblemHealth.com to contact customer service via email

Retiree Membership Dues: PEF Retirees
1-518-785-1900, ext. 289
1-800-342-4306, ext. 289


 


 

COBRA1

GHI Preferred Dental Plan1
Dept of Civil Service
1-800-833-4344

During the 28 day grace period, Civil Service will automatically mail application forms. To participate in COBRA enrollment, you must apply within 60 days of retirement. Plan is offered up to the age of 65 or for 3 years, whichever is first.

Offers 100% prosthetic coverage and all basic dental services

1 Same as active employees’ dental plan.
* Dependents covered to age 19 and dependent students covered to age 25 end of year.

 

 

Choose One

GHI Direct Payment2
(Less Than 90 Days Post Retirement OR After COBRA Expires)

GHI Retiree Preferred Plan
GHI
1-800-947-0101

Member can enroll within 90 days of retirement OR following the end of COBRA coverage. You automatically receive an enrollment form when you retire OR when COBRA ends.

Offers 80% prosthetic coverage and all basic dental services

Rates:

$35.29 individual/month
$66.43 individual & spouse/month
$98.50 family/month

 

PEF Retiree Plan2

GHI Preferred Dental Plan
Administered by
PEF Membership Benefit Plan
1-800-342-4306, ext. 243

Enrollment for the basic dental benefits (only plan) is available at any time provided the retiree is a dues-paying member of the PEF Retirees.

Two Options

A) Basic Dental

Rates:
$27.71 individual/month
$49.10 2-person/month
$75.84 family/month

B) 80% prosthetics3

Rates $44.86 individual/month
$83.40 2-person/month
$131.57 family/month

1Same as active employees’ dental plan.
2Must be a member of PEF Retirees to enroll.
3Prosthetics are dental appliances such as partial bridges, dentures and crowns.
* Dependents covered to age 19 and dependent students covered to age 25 end of year.

 

 

PEF Retiree Basic Dental Plan
(This plan is offered for anyone post retirement or people looking for just basic dental)

GHI Preferred Dental Plan
Administered by
PEF Membership Benefits Plan
1-800-342-4306, ext. 243

Basic Rates

$27.71 individual/month
$49.10 2-person/month
$75.84 family/month

After 12 months of enrollment in the Basic benefit level, an upgrade to the 80% prosthetic level will be offered.

 

Rates: $44.86 individual/month
$83.40 2-person/month
$131.57 family/month

3Prosthetics are dental appliances such as partial bridges, dentures and crowns.
* Dependents covered to age 19 and dependent students covered to age 25 end of year.

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