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I have sold about 20 UCT dental, hearing and vision plans to my clients. I'm always being asked about dental coverage. I ended up taking out the plan myself for about $31 a month. I went to the dentist and was charged $75 for a cleaning and $44 for exam. In the first year of the policy UCT is supposed to pick up 60% of the bill. I just got my explanation of benefits from them and they paid $26.40 for the exam (the 60%) and they paid the full $75 for the cleaning.
I was happy to see that they didn't say, usual and customary charges are $30 for an exam and $55 for a cleaning. They used the amount that was actually charged and paid based on that. (Most plans don't seem to do this from what I've read). Also, I did notice in the brochure it would pay for one cleaning a year up to $75. UCT should clarify this. They will pay 100% up to $75. From the brochure, you would have thought 60% up to $75. Needless to say I was pleasantly suprised.
Does anyone know on the vision portion where they will pay up to $150 a year for eye exam or contacts/glasses if thats also covered at 100%? I assumed it was at 60% 1st year, but the wording is similar to the dental cleaning.
I'm glad I took the policy out, the premiums are pretty reasonable for the coverage you get. Just thought I'd pass on this information on if there's other agents out there offering this plan or looking for a good plan for their clients.
I was happy to see that they didn't say, usual and customary charges are $30 for an exam and $55 for a cleaning. They used the amount that was actually charged and paid based on that. (Most plans don't seem to do this from what I've read). Also, I did notice in the brochure it would pay for one cleaning a year up to $75. UCT should clarify this. They will pay 100% up to $75. From the brochure, you would have thought 60% up to $75. Needless to say I was pleasantly suprised.
Does anyone know on the vision portion where they will pay up to $150 a year for eye exam or contacts/glasses if thats also covered at 100%? I assumed it was at 60% 1st year, but the wording is similar to the dental cleaning.
I'm glad I took the policy out, the premiums are pretty reasonable for the coverage you get. Just thought I'd pass on this information on if there's other agents out there offering this plan or looking for a good plan for their clients.