Willamette University offers a PPO dental insurance plan through LifeMap. Employees on the LifeMap plan have the flexibility to receive the care they want from the provider of their choice.
Resources
- What is covered in my LifeMap Dental Plan?
- LifeMap Dental Plan Document
- Locate a LifeMap participating provider
- ADA Dental Claim Form
Maximum Allowable Charges (MAC)
The benefit reimbursement levels are the same both in-network and out-of-network, but the maximum allowable charges are different. LifeMap network dentists have agreed not to charge more than the LifeMap schedule of Maximum Allowable Charges (MAC). Therefore, you will pay only the difference between the scheduled benefit and the MAC. Out-of-network dentists, on the other hand, may charge you for the difference between the scheduled benefit and their actual fee, which may be much higher than the MAC. You will get the most from your dental benefits and pay less out-of-pocket by visiting network providers.
Pre-Treatment Estimate
It is recommended that you receive a pretreatment estimate for any dental work that you consider expensive. Simply ask your dentist to submit the information for a pre-treatment estimate to LifeMap. LifeMap will then inform you and your dentist of the exact amount your insurance will cover and the amount you will be responsible for paying.