Assurant Dental Insurance

This program is sponsored by the University of North Carolina-Chapel Hill.

Assurant Dental, previously known as Fortis, is the University's dental carrier. The plan offers comprehensive coverage for preventive, basic and major services. It provides an alternative to the NCFlex dental program. Premiums are paid one month in advance of coverage and are deducted on an after-tax basis.

All permanent part-time (20-29 hours per week) and full-time (30 or more hours per week) employees can elect Assurant coverage for themselves, their spouse/domestic partner and their unmarried dependent children up to age 19 (or up to age 25 if a full-time student).

Premiums: Premiums for this plan are paid solely through employee contributions on an after-tax payroll deduction.

Coverage Option	Monthly Premiums
Employee	$36.90
Employee and Spouse (Domestic Partner)	69.00
Employee and Child(ren)	71.42
Family	103.52

Deductibles: There is a $50 per person per calendar year deductible for basic and major services and a $50 per person per calendar year deductible for orthodontics.

Annual Maximum: There is a $1,250 annual maximum benefit per covered member. There is a maximum lifetime orthodontic benefit of $1,500 per covered dependent child up to age 19.

You must enroll within 30 days of your hire date, a qualifying family status change or during annual enrollment. You may be subject to certain waiting periods if you are a late enrollee.

100% coverage for preventive services with no deductibles

80% coverage for basic services with deductible

50% coverage for major and orthodontic services with deductible

Waiting Periods

Applicants applying for insurance within 30 days of becoming eligible must wait six months for major services to be covered and 12 months for orthodontic services to be covered.

Applicants applying for insurance more than 30 days after becoming eligible will be subject to a six-month waiting period for basic services (restorative), a 12-month waiting period for basic services (non-restorative), and a 24-month waiting period for major and orthodontic services.

Check with your dental care provider to confirm whether the provider will file claims for you, or if you must file claims.

Dental claims should be mailed to:

Assurant Employee Benefits
P.O. Box 2940
Clinton, IA 52733-2940
Phone: 800-442-7742

If you have questions about the benefits offered, please contact your department's Benefit Specialist.

For benefit-related questions, please call Assurant Employee Benefits at 800-442-7742.

Benefits Services in the Office of Human Resources is responsible for reviewing and revising as needed the content of this page.

The information contained in this website is not a contract and is subject to change. It should be understood that explanations in this summary cannot alter, modify or otherwise change the controlling legal documents or general statutes in any way, nor can any right accrue by reason of any inclusion or omission of any statement in this presentation. The most current information will always be found at the benefit carriers home page. The Office of Human Resources designs these pages to be as current as possible; however, the benefit information provided herein is always subject to change.