Delta Dental of North Carolina

Exceptions and Reductions

Delta Dental will make no payment for the following services or supplies, unless otherwise specified in the Summary of Dental Plan Benefits, and all charges for the following services or supplies will be the responsibility of the Insured:
  1. Services or supplies for the treatment of an Occupational Injury or Sickness which are payable under the North Carolina Workers’ Compensation Act only to the extent such services or supplies are the liability of the employee, employer or workers’ compensation insurance carrier according to a final adjudication under the North Carolina Workers’ Compensation Act or an order of the North Carolina Industrial Commission approving a settlement agreement under the North Carolina Workers’ Compensation Act.  NOTE: This provision does not apply to any programs provided under Medicaid or Medicare.
  2. Services or supplies, as determined by Delta Dental, for correction of congenital or developmental malformations, cosmetic surgery, or dentistry for aesthetic reasons. This exclusion does not apply to any newborn, adopted, or foster Child who becomes covered under this Policy after the Effective Date.
  3. Cosmetic surgery or dentistry for aesthetic reasons, as determined by Delta Dental. This exclusion does not apply to any newborn, adopted, or foster Child who becomes covered under this Policy after the Effective Date.
  4. Charges for services or appliances incurred prior to the date the person became covered under this Policy.
  5. Prescription drugs (except intramuscular injectable antibiotics), premedication, medicaments/ solutions, and relative analgesia.
  6. General anesthesia and intravenous sedation, unless medically necessary.
  7. Charges for hospitalization, laboratory tests, and histopathological examinations.
  8. Charges for failure to keep a scheduled visit with the Dentist.
  9. Services or supplies, as determined by Delta Dental, for which no valid dental need can be demonstrated.
  10. Services or supplies, as determined by Delta Dental, that are investigational in nature including services or supplies required to treat complications from investigational procedures.
  11. Services or supplies, as determined by Delta Dental, which are specialized techniques.
  12. Services or supplies, as determined by Delta Dental, which are not provided in accordance with generally accepted standards of dental practice.
  13. Treatment by other than a Dentist, except for services performed by a licensed dental hygienist under the supervision of a licensed dentist or other licensed dental professional, may be covered only and solely  determined by Delta Dental.
  14. Services or supplies excluded by the policies and procedures of Delta Dental, including the Processing Policies.
  15. Services or supplies for which no charge is made, for which the patient is not legally obligated to pay, or for which no charge would be made in the absence of Delta Dental coverage.
  16. Services or supplies received due to an act of war, declared or undeclared. This exclusion does not apply to acts of terrorism.
  17. Services or supplies not within the categories of Benefits that have been selected and that are not covered under the terms of the Policy.
  18. Fluoride rinses, self-applied fluorides, or desensitizing medicaments.
  19. Preventive control programs (including oral hygiene instruction, caries susceptibility tests, dietary control, tobacco counseling, home care medicaments, etc.).
  20. Lost, missing, or stolen appliances of any type and replacement or repair of orthodontic appliances or space maintainers.
  21. Cosmetic dentistry, (except that when a Child covered from the moment of birth or placement in the adoptive or foster home requires dental care associated with congenital defects and anomalies, those defects or anomalies will be covered to the same extent an otherwise Covered Service is provided by this Policy) including repairs to facings posterior to the second bicuspid position.
  22. Veneers
  23. Prefabricated crowns used as final restorations on permanent teeth for people over age 15.
  24. Appliances, surgical procedures, and restorations for increasing vertical dimension; for altering, restoring, or maintaining occlusion; for replacing tooth structure loss resulting from attrition, abrasion, abfraction, or erosion; or for periodontal splinting. This  exception will not apply to medically necessary Orthodontic Services for individuals under age 19 as limited by the terms and conditions of the Policy.
  25. Paste-type root canal fillings on permanent teeth.
  26. Replacement, repair, relines, or adjustments of occlusal guards.
  27. Chemical curettage.
  28. Services associated with overdentures.
  29. Metal bases on removable prostheses for people age 19 and over.
  30. The replacement of teeth beyond the normal complement of teeth.
  31. Personalization or characterization of any service or appliance.
  32. Temporary crowns used for temporization during crown or bridge fabrication.
  33. Posterior bridges in conjunction with partial dentures in the same arch.
  34. Precision attachments and stress breakers.
  35. Bone replacement grafts and specialized implant surgical techniques.
  36. Radiographic/surgical implant index for people age 19 and over.
  37. Appliances, restorations, or services for the diagnosis or treatment of disturbances of the temporomandibular joint (TMJ).
  38. Non-medically necessary Orthodontic Services for Children under age 19, and any Orthodontic Services for people age 19 and over.
  39. Diagnostic photographs and cephalometric films for people age 19 and over, unless done for orthodontics and orthodontics are a Covered Service.
  40. Myofunctional therapy.
  41. Mounted case analyses.
  42. Implants for individuals age 19 and over.
  43. Any and all taxes applicable to the services.
Delta Dental will make no payment for the following services or supplies. Participating Dentists may not charge eligible people for these services supplies.  All charges from Nonparticipating Dentists for the following services or supplies will be the responsibility of the Insured:
  1. The completion of forms or submission of claims.
  2. Consultations, patient screening, or patient assessment when performed in conjunction with examinations or evaluations. 
  3. Local anesthesia.
  4. Acid etching, cement bases, cavity liners, and bases or temporary fillings.
  5. Infection control.
  6. Temporary, interim, or provisional crowns.
  7. Gingivectomy as an aid to the placement of a restoration.
  8. The correction of occlusion, when performed with prosthetics and restorations involving occlusal surfaces.
  9. Diagnostic casts, when performed in conjunction with restorative or prosthodontic procedures.
  10. Palliative treatment, when any other service is provided on the same date except X-rays and tests necessary to diagnose the emergency condition.
  11. Post-operative X-rays, when done following any completed service or procedure.
  12. Periodontal charting. 
  13. Pins and preformed posts, when done with core buildups for crowns, onlays, or inlays.
  14. A pulp cap, when done with a sedative filling or any other restoration. A sedative or temporary filling, when done with pulpal debridement for the relief of acute pain prior to conventional root canal therapy or another endodontic procedure.  The opening and drainage of a tooth or palliative treatment, when done by the same Dentist or dental office on the same day as completed root canal treatment.
  15. A pulpotomy on a permanent tooth, except on a tooth with an open apex.
  16. A therapeutic apical closure on a permanent tooth, except on a tooth where the root is not fully formed.
  17. Retreatment of a root canal by the same Dentist or dental office within two years of the original root canal treatment for individuals over the age of 19.
  18. A prophylaxis or full mouth debridement, when done on the same day as periodontal maintenance or scaling in the presence of gingival inflammation.
  19. Scaling in the presence of gingival inflammation when done on the same day as periodontal maintenance.
  20. Prophylaxis, scaling in the presence of gingival inflammation, or periodontal maintenance when done within 30 days of three or four quadrants of scaling and root planing or other periodontal treatment.
  21. Full mouth debridement when done within 30 days of scaling and root planing.
  22. An occlusal adjustment, when performed on the same day as the delivery of an occlusal guard.
  23. Reline, rebase, or any adjustment or repair within six months of the delivery of a partial denture.
  24. Tissue conditioning, when performed on the same day as the delivery of a denture or the reline or rebase of a denture.
  25. Periapical and/or bitewing X-rays, when done within seven days, a clinically unreasonable period of time of performing panoramic and/or full mouth X-rays, as determined solely by Delta Dental.
  26. Services or supplies, as determined by Delta Dental, which are not provided in accordance with generally accepted standards of dental practice.
The Benefits for the following services are limited as follows, unless otherwise specified in the Summary of Dental Plan Benefits. All charges for services and supplies that exceed these limits will be the responsibility of the Insured.  All time limitations are measured from the applicable prior dates of service in our records in any Delta Dental plan:
  1. Bitewing X-rays are payable twice per Benefit Year for individuals under age 19 and once per Benefit Year for individuals age 19 and over. 
  2. Full mouth X-rays (which include bitewing X-rays) are payable once in any five-year period.
  3. Cleanings (prophylaxes), full mouth debridement, scaling in the presence of inflammation, and periodontal maintenance are payable twice per Benefit Year.
  4. Oral exams or evaluations are payable twice per Benefit Year, regardless of the Dentist’s specialty.
  5. Preventive fluoride treatments are payable twice per Benefit Year for individuals under age 19. 
  6. Space maintainers are payable for individuals under age 19.
  7. Sealants are payable once per tooth per three-year period on unrestored permanent molars for individuals under age 19. Preventative resin restorations are payable once per tooth per three-year period on permanent teeth for a moderate to high carries risk patient.
  8. Prefabricated stainless steel crowns are payable once per tooth per five-year period for individuals under age 15.
  9. Crowns, onlays and associated procedures (such as core buildups and post substructures) are payable once in any five-year period per tooth.
  10. Crowns or onlays are payable only for extensive loss of tooth structure due to caries and/or fracture.
  11. Individual crowns over implants are payable at the prosthodontic benefit level.
  12. For individuals under age 19, an interim partial denture is payable only for the replacement of permanent anterior teeth. For people 19 years of age or older, an interim partial denture is payable only for the replacement of permanent anterior teeth during the healing period.
  13. Prosthodontic Services reductions:
    1. One complete upper,one complete lower denture, and any impant used to support a denture are payable once in any five-year period.
    2. A removable partial denture, endosteal implant (other to support a denture) or fixed bridge is payable once in any five-year period unless the loss of additional teeth requires the construction of a new appliance.
    3. A reline or the complete replacement of denture base material is payable once in any three-year period per appliance.
    4. Implant removal is payable once in any five-year period per tooth or area.
  14. Orthodontic Services reductions, pursuant to your Summary Dental Plan of Benefits.
    1. Orthodontic Services are payable for individuals under age 19 when deemed medically necessary.
    2. If the treatment plan terminates before completion for any reason, Delta Dental’s obligation for payment ends on the last day of the month in which the patient was last treated.
    3. Upon written notification to Delta Dental and to the patient, a Dentist may terminate treatment for lack of patient interest and cooperation. In those cases, Delta Dental’s obligation for payment ends on the last day of the month in which the patient was last treated.
    4. An observation and adjustment is payable twice in a 12-month period.
  15. Delta Dental’s obligation for payment of Benefits ends on the last day of coverage unless services are completed within a 30-day period measured from the date of termination.  Delta Dental will make payment for Covered Services as long as Delta Dental receives a claim for those services within one year and 180 days from the date of service. This time period shall be suspended in the event of legal incapacity.
  16. Optional treatment: If you select a more expensive service than is customarily provided, Delta Dental may make an allowance for certain services based on the fee for the customarily provided service.  You are responsible for the difference in cost.  In all cases, Delta Dental will make the final determination regarding optional treatment and any available allowance.
  17. Listed below are services for which Delta Dental will provide an allowance for optional treatment.  Remember, you are responsible for the difference in cost for any optional treatment.
    1. Resin, porcelain fused to metal and porcelain crowns, bridge retainers, or pontics on posterior teeth – Delta Dental will pay only the applicable amount that it would pay for a full metal crown.
    2. Overdentures – Delta Dental will pay only the amount that it would pay for a conventional denture.
    3. Resin, porcelain/ceramic onlays – Delta Dental will pay only the applicable amount that it would pay for a metallic onlay.
    4. Inlays, regardless of the material used – Delta Dental will pay only the amount that it would pay for an amalgam or composite resin restoration (depending on the tooth being restored).
    5. All-porcelain/ceramic bridges – Delta Dental will pay only the applicable amount that it would pay for a conventional fixed bridge.
    6. Implant/abutment supported complete or partial dentures – Delta Dental will pay only the amount that it would pay for a conventional denture.
    7. Gold foil restorations – Delta Dental will pay only the amount that it would pay for an amalgam or composite restoration.
    8. Posterior stainless steel crowns with esthetic facings, veneers or coatings – Delta Dental will pay only the amount that it would pay for a conventional stainless steel crown.
  18. Maximum Payment:
    1. The maximum benefits payable in any one Benefit Year will be limited to the Maximum Payment stated in the Summary of Dental Plan Benefits.
    2. Delta Dental’s payment for Orthodontic Services will be limited to the annual or lifetime Maximum Payment stated in the Summary of Dental Plan Benefits.
  19. If a Deductible amount is stated in the Summary of Dental Plan Benefits, Delta Dental will not pay for any services or supplies, in whole or in part, to which the Deductible applies until the Deductible amount is met.
  20. Processing Policies may otherwise limit Delta Dental’s payment for services or supplies.
Delta Dental will make no payment for services or supplies that exceed the following reductions. However, Participating Dentists may not charge eligible people for these services or supplies when performed by the same Dentist or dental office. All charges from Nonparticipating Dentists for services that exceed these limits will be the responsibility of the Insured.  All time limitations are measured from the applicable prior dates of services in our records with any Delta Dental Plan.
  1. Core buildups and other substructures are payable only when needed to retain a crown on a tooth with excessive breakdown due to caries and/or fractures.
  2. Root planing is payable once in any two-year period.
  3. Periodontal surgery is payable once in any three-year period.
  4. A complete occlusal adjustment is payable once in any five-year period. The fee for a complete occlusal adjustment includes all adjustments that are necessary for a five-year period. A limited occlusal adjustment.
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