1. TRICARE Retiree Dental Program
Hello and Welcome to the TRICARE Retiree Dental Program. We at Delta Dental are honored to be able to bring you this program AND are thankful for your service to the country.
TRICARE Retiree Dental Program

2. Over 1.4 million TRDP enrollees
Introduction
TRDP established 2/1/1998
Over 1.4 million TRDP enrollees
Nearly 63 million smiles entrusted to Delta Dental
New TRDP contract 1/1/2014
Increase in annual and dental accident maximums
Increase in lifetime orthodontic maximum
A third cleaning covered for children and adults with diagnosed type 1 or type 2 diabetes
No change to Basic Program
The TRDP was established by the National Defense Authorization Act of It is a voluntary and comprehensive program. We currently cover over 1.4 million lives around the world.
We’re happy to report that the government recently awarded us a new 5-year contract which began on Jan 1, Not only did the annual maximum, dental accident maximum and lifetime orthodontic maximum increase, but a third cleaning was added for Type 1 and Type 2 diabetics, and the monthly premium went down by about 20%!
For the next few minutes we’ll be showing you how you can take advantage of this beneficial and cost-savings dental benefits program.

3. TRDP coverage is offered worldwide:
Service Area
TRDP coverage is offered worldwide:
Enhanced Program
The 50 United States & District of Columbia, Puerto Rico, Guam, U.S. Virgin Islands, American Samoa, Commonwealth of the Northern Mariana Islands, and Canada, plus coverage for emergency services overseas
Enhanced Program for those living overseas
Coverage available worldwide
One of the most convenient aspects of this program is that it travels with you. You can use this program anywhere in the U.S., Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, the Commonwealth of the Northern Mariana Islands and Canada. What’s more, if you are enrolled in the Enhanced program, you will now be able to access care for dental emergencies while traveling overseas. And, for those in the Enhanced program who reside overseas, coverage is available for all services no matter where you are.

4. Current spouses and eligible children of enrolled members
Eligibility
Members of the Uniformed Services who are entitled to retired pay, including those age 65 and over
Members of the National Guard/Reserve who are in Retired Reserve status, regardless of age
Current spouses and eligible children of enrolled members
All Uniformed Services retirees who are entitled to retired pay are eligible for the TRDP, regardless of age.
This includes Guard/Reserve retirees who are under age 60 (these folks are commonly referred to as “gray area retirees”). Unlike medical benefits and retired pay, they do not have to wait until they are 60 to sign up for dental coverage.
Current spouses and children of retired service members are also eligible. Children are eligible up to age 21 or age 23 if a full-time college student. Dependent children who are older than age 23 are also eligible if they are deemed incapacitated.
A good rule of thumb to remember is that DEERS drives eligibility.

5. Eligibility (Continued)
Unremarried surviving spouses & eligible children of deceased members who died while in retired or active duty status
Current spouses and eligible children of non-enrolled members, under limited circumstances
Medal of Honor recipients and their eligible immediate family members
Verified through the Defense Enrollment Eligibility Reporting System (DEERS)
Unremarried surviving spouses and eligible children of deceased members who died while in retired or active duty status are also eligible. The same aforementioned age requirements apply to these children.
While the general rule is that the retiree must enroll to enroll his/her family members, the following three cases, so long as they are supported with documentation, are exceptions:
a. If the retiree is eligible to receive ongoing, comprehensive dental care from the Department of Veterans Affairs;
b. If the retiree is enrolled in a dental plan, through other employment, which is not available to family members; or
c. If the retiree is unable to obtain benefits from the TRDP due to a current and enduring medical or dental condition.
Last but certainly not least, Congressional Medal of Honor recipients and their eligible family members may enroll in the TRDP.
DEERS verifies eligibility so you have to make sure your information is up to date in DEERS; otherwise, you could have your enrollment delayed.

6. Updating Your Information
Keep your contact information up to date
Online:
By fax:
Visit an ID card-issuing office:
More information:
Important: Visit your local ID card office (RAPIDS site) or ( to update your DEERS record to reflect your retirement date
Remember to register/update DEERS whenever there is a change in family status/address
Having outdated information can negatively affect your enrollment and eligibility for the TRICARE Retiree Dental Program. As previously mentioned, it is important that you keep your information in DEERS current. You can do this online, by fax or going to an ID card office – or RAPIDS facility – in person. Visit these web sites to obtain more information.
If you move or have a change in family status, please remember to update that information in DEERS, as well.

7. Enrollment Two convenient ways to enroll:
Online through the TRICARE Beneficiary Web Enrollment (BWE) website. Access from tricare.mil/bwe, DMDC MilConnect or trdp.org
DFAS myPay Acct, Common Access Card (CAC) or DS Logon
Print application at trdp.org and mail it to Delta Dental
Retiree submits application and premium prepayment two week before official retirement date is effective. Applications can be submitted sooner; but retiree eligibility must be shown in DEERS to accept enrollment otherwise the application may be returned.
Enroll within four months after retiring for waiver
Submit an Online Customer Service Inquiry (OCSI)
There are two ways to enroll in the TRDP: online or by mail. If enrolling online, you will be using the BWE website that can be accessed on trdp.org or from the tricare.mil websites. If you prefer to mail in an application, one can be downloaded at trdp.org.
Once we receive the retiree’s application and two month premium prepayment, we verify eligibility, process the application, and establish the appropriate method of payment of the monthly premium.
If you are about to retire or have done so in the last four months, please be aware that you have the ability to skip the 12-month waiting period for services like crowns, braces, implants and dentures. This waiver includes "gray area" retirees – those National Guard/Reserve members who retired, but will not begin receiving retirement pay until age 60. In order to get this waiver, it is important that new retirees who enroll in the TRDP submit documentation (copy of retirement orders) showing that they retired.
Learn more about enrolling in TRDP at our trdp.org website – Enroll Now page.

8. Enrollment (Continued)
Enrollment Commitment
Initial 12-month commitment
Continuing month-to-month
30-day grace period
Delta Dental processes application
Coverage begins the first day of the month following acceptance of the enrollment application and eligibility verification
Access benefits booklet online at trdp.org
Enrollment cards requested via the BWE, available in MilConnect eCorrespondence
Like the TRICARE Dental Program, there is a 12-month enrollment commitment under the TRDP. Once that is met, the retiree has the option to remain enrolled on a month-to-month basis. Retirees have a 30 day grace period from their coverage effective date to decide if they want to remain enrolled in the program. Provided that they have not used any of the benefits, new enrollees are welcome to disenroll at any time during the 30-day grace period.
It is extremely important to note that the retirees and their family members can start using the program on the 1st day of the month following enrollment. For example, if they enroll at any point in November, their coverage effective date is December 1.
Once a person enrolls, he or she is sent a welcome packet (an e-packet is also available). This packet includes an enrollment card and a Benefits Booklet. Although the enrollment card is helpful to have on hand for appointments, please note that it is not required to have services rendered. You can also view all of the program materials, including the benefits booklet, anytime at trdp.org.

9. Premiums vary by region Monthly premium ranges for 1/1/15 – 12/31/15
5 premium regions based on ZIP code
Monthly premium ranges for 1/1/15 – 12/31/15
Enhanced Program
Single: $
Two Person: $
Family (3 or more): $
TRDP premium rates are based on the zip code in which the sponsor resides. There are five premium regions. Monthly premiums for a one-person enrollment range from $ $41.31 per month, $ $81.34 for a two-person enrollment, and $ $ for a family enrollment. An important thing to remember is that if you move from one ZIP code to another your premium rate may change. To find out your specific premium rate, simply visit trdp.org or call Delta Dental toll-free and use the automated IVR system.

10. Premiums Billing Premium prepayment
Mandatory allotment from retired pay
EFT or recurring credit card required when allotment cannot be established. Forms located at trdp.org or register and log in the Consumer Toolkit
Premium prepayment
Two-month prepayment required upon enrollment
Once allotment is established, we refund any remaining prepayment premium in the third month of enrollment
TRDP premiums are collected automatically through retired pay deductions. The automatic deduction uses one of the six allotments authorized by Public Law and Premium payment via retired pay deduction is mandated by law "to the maximum extent practicable" and was not devised by Delta Dental or the DoD.
If you do not receive retired pay, you will be required to set up an Electronic Funds Transfer from your checking account.
As previously mentioned, a prepayment of two months premiums is required for enrollment. A monthly premium will be applied from the prepayment for each month of enrollment until automatic deductions or direct billing are initiated. Once a billing method is initiated, any unused portion of the prepayment will be returned to the enrollee. You can pay the two-month premium prepayment by check, money order or Visa/MasterCard/Discover.

11. It’s a simple equation:
Dollars & “Sense”
It’s a simple equation:
TRDP Avg Annual Premium $407, Get $492 in Services = Net Gain!
Average premium you pay for a year of TRDP is $407
Average cost for routine exams, x-rays and cleanings is close to $492
Pay zero for these services when you see a network dentist
TRDP coverage for basic services helps keep your money in your pocket
The average single-person premium for Enhanced TRDP coverage is currently $ per year-- less than $35 per month. For this annual cost, the Enhanced TRDP provides coverage for two routine exams, one set of x-rays, and two cleanings at 100% of the program allowable amount.
The average cost for these routine exams, x-rays and cleanings is around $492 without TRDP coverage. If you just go in and have those services done, you more than get your money back.
It is all worth it and more as you get 2 cleanings, 2 exams and an x-ray covered at 100% of the program allowable amount; then, on top of that, you’d also get $1300 per contract year for covered services, $1200 per contract year for dental accidents and $1750 lifetime for orthodontic care. As you can see, enrolling in the TRDP and using it for even just the basic services makes good Dollars and Sense.

12. Program Features Large TRDP network with dentists locations nationwide
Annual maximum
Enhanced Program: $1,300
Basic Program: $1,000
Deductible:
$50 ($150 family cap)
Dental accident coverage: $1,200
Enhanced Program only
Coordination of Benefits
The TRDP offers an expansive network of dentists. Currently, there are more than 240,000 provider locations nationwide.
The enhanced program has an annual maximum of $1,300 per benefit year. For those in the basic program they have an annual maximum of $1,000 per person. The good thing to know is that the money that the program pays out for cleanings, exams and x-rays does not count against the annual maximum. Those services are in addition to the maximum!
The deductible is $50 per person, per benefit year, with a family cap of $150 per family, per benefit year. It is important to note that the deductible doesn’t apply to some diagnostic and preventive services such as exams, bitewing x-rays and cleanings.
A benefit unique to the enhanced program is dental accident coverage. Dental accident coverage has a separate annual maximum of $1200 per person per contract year.
Most other dental plans will coordinate benefits with the TRDP. Coordination of benefits between the TRDP and your other carrier can often result in 100% payment of your dental bill.

13. Preventive & diagnostic Basic restorative
Covered Services
Preventive & diagnostic
100%
Basic restorative
80%
Endodontic, periodontic oral surgery & anesthesia
60%
The program covers most preventive and diagnostic services at 100%. In a 12-month period, the enhanced TRDP will cover 2 cleanings, 2 exams and 1 x-ray at 100% of the allowable amount. So, if you see a network provider, you won’t pay a penny for these services. (Basic covers 1 cleaning)
For those enrollees who have type 1 or type 2 diabetes, they are allowed a 3rd cleaning in the 12 month period.
Restorative services, such as fillings, are covered at 80% of the allowable amount.
Endodontic services (such as root canals), Periodontic services (such as gum surgery), Oral Surgery services (such as extractions) and General Anesthesia are covered at 60% of the allowable amount.

14. Additional Covered Services*
Dental implants, cast crowns & onlays
50%
Bridges & partial/full denture
Orthodontics
*After 12 months of continuous coverage, unless enrolling within 4 months of retirement from active duty
Additional major services are covered after 12 months of continuous enrollment in the enhanced program. New retirees who enroll within 4 months after their date of retirement and MOH recipients are eligible to skip the waiting period and receive coverage for major services upon their coverage effective date.
Again, these percentages are based on allowable amounts, which is what a network provider would charge you.

15. Subject to a 12-month waiting period Not subject to annual deductible
Orthodontics*
Subject to a 12-month waiting period
Not subject to annual deductible
Separate $1,750 lifetime maximum
Coverage for both children and adults
Coverage for treatment in progress
* Enhanced Program only
Another benefit of the enhanced program is coverage for orthodontics. Orthodontics are covered at 50% of the program allowed amount after a 12-month waiting period. While many dental programs cover orthodontics only for children, the TRDP has no age limit on orthodontics coverage.
Orthodontic coverage is not subject to the annual maximum— it has a separate $1,750 lifetime maximum. It is important to note that in-process orthodontic treatment is covered. This can be a great benefit for active duty members approaching retirement. If their child has braces on at the time of their retirement, it is possible that they receive $1,750 coverage through the TDP and another $1,750 through the TRDP. To take advantage of this opportunity, new retirees would want to enroll within 4 months after their retirement date to skip the waiting period and be eligible for orthodontic benefits immediately. Ideally, one might want to enroll the month before they retire so as to avoid a lapse in coverage from the TDP to the TRDP.

16. TRDP Network Dentists
More cost savings, best value, 22% savings puts money back in your pocket
Accept the TRDP allowed fee as the maximum billing fee for covered services
Charge only the applicable estimated cost share at the time of service
Submit your claim to Delta Dental at no charge
Two cleanings, two exams and one set of bitewing x-rays in a 12-month period with no cost share. Third cleaning covered for Type I and II Diabetic patients (Enhanced Program only)
To save enrollees the most out-of-pocket money, Delta Dental offers a dentist network with over 240,000 participating dentist locations nationwide. These dentists belong to either the Delta Dental Legion or the Delta Dental PPO network. These network dentists have agreed to pre-negotiated fees and to submit all claims paperwork for you. For basic services like annual cleanings, exams and an x-ray, seeing a network provider ensures that you won’t have any cost share at all. For the more expensive and involved procedures (like crowns, partials and implants), seeing a network dentist ensures lower costs and provides you a cost-containment feature. Contrary to that, if you go to a non-network provider, there is no ceiling as to what they can charge you. We’ll still be able to pay the allowable amount, but then you are on your own for any cost shares and charges above and beyond the allowable amount.
In addition to accepting the allowed fee and submitting your claim form for you at no cost, as well as adhering to strict quality of care standards, network providers have also agreed to only ask you for your cost share upfront. So, for example, if you get a crown, you’ll only need to pay your 50% cost share upfront and the network dentist will wait for the remaining 50% from the program. If you see a non-network provider, however, he/she can ask you for all of the money upfront and then you will wait for the check from the program.

17. Finding a TRDP network dentist
TRDP Network Dentists
Finding a TRDP network dentist
Search from a large TRDP network with dentist locations nationwide via
our online dentist directory trdp.org
Call the Interactive Voice Response (IVR) system to request a list
Ask your dentist to join the network
It’s easy to find a TRDP participating network dentist. You can visit the online dentist directory available on the TRDP web site, call our Customer Service line toll-free, or simply ask your dentist if he/she participates in either the Delta Dental Legion or Delta Dental PPO network. It is always a good idea to verify with your dentist prior to treatment that he or she participates, even if they are listed in the directory to make sure records are current. If a dentist is not participating and would like to find out how to participate, he or she can obtain information on the TRDP web site or call our Customer Service department.

18. Out-of-Network Dentists
Other Licensed Dentists: Delta Dental Premier®
You pay any difference between the allowed amount and the Delta Dental Premier® dentist’s fee on file
Non Delta Providers
Bill you their normal fees and you pay the difference
Fees are likely to be higher than TRDP allowed amount
May not submit paperwork for you
You may be responsible for full payment at the time of service
If you choose to seek treatment from a non-network dentist, the TRDP will pay the same percentage for covered services but cannot guarantee the dentist’s fees. Out-of-network dentists will bill you for their normal fees, which most likely will be more than the program allowed amount. You will be responsible to pay the difference between the dentist’s fee and the TRDP allowed amount, plus your deductible, if applicable. If you choose to select a non-network dentist, you may want to consider a Delta Dental Premier dentist. Delta Dental Premier dentists do not participate in the TRDP network, but adhere to the same quality of care standards as other Delta Dental dentists, will submit your claims paperwork for you, and won’t charge you any more than their allowed amount.
When verifying a network dentist’s status, it is important that enrollees specifically ask whether their dentist is participating in either the Delta Dental Legion or Delta Dental PPO network. Participating is different than accepting.
If your dentist is not currently participating with the TRICARE Retiree Dental Program and you’d like to nominate him or her to join the network, please let us know by contacting our customer service department at our toll free number.

19. Visit trdp.org Self Service Tools at Your Fingertips
Enroll at your convenience via online or print application
Find a TRDP Network Dentist
Learn how to save even more with the TRDP
Read program benefits booklet, newsletter, & other resources
Sign up with your to receive program newsletter/updates
Contact us at: You can submit an OCSI or Contact your regional representative
Socialize with us on:
Facebook.com/deltadentalins
Everything you need to know about TRDP is online!
As we’ve already discussed, the easiest way to enroll, find a network provider and search for your specific premium is by accessing trdp.org. There, you can also get Money Saving Tips and Strategies; Oral Health Tips; program newsletters, sign up to receive e-updates and more.

20. Your Program Information at Your Convenience
Consumer Toolkit
Your Program Information at Your Convenience
Located on the trdp.org website
Once enrolled register to use our Consumer Toolkit
View benefit breakdown, processed claims and annual maximum used to date
Go paperless and sign up for an notification when your claim is processed
Sign up EFT if you are not receiving retired pay
As a TRDP enrollee, a great tool that you’ll have right at your fingertips is the Consumer Toolkit. You can sign on to the online Consumer Toolkit® using your SSN and your date of birth to review almost every aspect of your enrollment, including enrollment status, specific benefits and coverage percentages, and the amount of your maximum and deductible that you have used to date. You can also sign up to go paperless and review your processed claims and reimbursements, account balance information and premium payment history, and even print an account statement for end-of-year tax purposes.

21. Dental Care: Your Gateway to Good Health!
Many medical conditions (incl. heart disease, diabetes, cancer) can be detected in early stages by dentists
Swollen or bleeding gums, ulcers, dry mouth, bad breath, metallic tastes – can be indicators
Dental care is prevention!
Regular dental exams and cleanings
Treat dental infections immediately
Good hygiene – brushing 2x per day for 2-3 mins; flossing daily
Healthy, nutritious diet low in sugar and starch
Cleanings for diabetics – 3x per year under Enhanced
SmileWay Wellness site
Includes a “Just for kids” section with games, health tips and more
* Connect with us on Facebook and Twitter for wellness and dental health tips!
Remember the old song “Dry Bones” that sang about the bodies connections? “The leg bone’s connected to the knee bone, the knee bone’s connected to the thigh bone” and on and on? They should have included the mouth in that song, because the mouth is the gateway to the whole body. Many medical conditions that first show up in the mouth. By getting dental check-ups and cleanings on a consistent basis, you can actually PREVENT various conditions from forming and/or spreading. If you are a Type 1 or Type 2 Diabetic, we can now cover 3 cleanings per year.
SmileWay is our wellness site offering over 100 articles on dental topics, oral health tips, content for teens and seniors, videos and other information. Take the SmileWay Challenge to review your habits, get educated about oral and physical health connections and stay informed about how to improve your overall health.
Keeping you and your family healthy is our number one mission at Delta Dental. We appreciate your service and look forward to serving you.

22. Questions?
TRDP SLIDE PRESENTATION 2/15