The Management Benefits Fund

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Frequently Asked Questions - Dental

What type of dental program does MBF offer? View the Answer


The Fund Dental Plan offers services through a Participating Provider Organization (PPO) Option and an Out-of-Network reimbursement benefit.

How does the PPO Option work?View the Answer


Under the PPO Option, you select a panel dentist from either the Administrative Services Only (ASO), Inc. or Careington PPO directories.

Next, contact your dental provider to schedule an appointment and identify yourself as an eligible member or dependent of the Fund, and confirm that the dentist is a current PPO provider. At the time of the appointment, complete the member statement section of the claim form provided by the dentist.

Sign the claim form allowing the dentist to submit a pre-treatment estimate (when necessary) for confirmation from the Claims Administrator of the covered benefits in relation to the Plan; or, sign the form upon completion of services authorizing Fund payment directly to the dentist for services rendered. 

How much do I have to pay if I use a PPO Provider? View the Answer


MBF members are responsible for deductibles and co-insurance, depending on the services received.

How can I locate a PPO Provider? View the Answer


You can find a dentist online using the PPO directory, or you can call the Dental Claims Administrator and ask for a referral.

Use the ASO PPO directory online. To locate a dentist on the ASO website:

1) Visit
2) Click “Search Participating Dentists” referral.

How does the Out-of-Network benefit work? View the Answer


When using an Out-of-Network provider, complete the employee's portion of the claim form for Dental Expense Benefits. Use a separate form for each member of your family. Follow the instructions given on the form. Have your dentist complete the dentist's portion of the claim form.

Send the completed form to the Claims Administrator:

ASO, Inc.
P.O. Box 9005
Lynbrook, NY 11563

Download the ASO Claim Form (Use for services performed January 1, 2023 or later.)

Where do I submit any claims incurred prior to January 1, 2023? View the Answer


If your dental services were incurred prior to January 1, 2023, your provider must submit the claim directly to HealthPlex at the following address:

HealthPlex, Inc.
P.O. Box 211672
Eagan, MN 55121

Download the HealthPlex Claim Form (Use for services performed prior to January 1, 2023)

Provider Hotline: 1-888-468-2183

How much do I pay for covered services if I use an out-of-network provider? View the Answer


MBF members are responsible for deductibles and co-insurance, and any amounts in excess of the Reasonable and Customary charge allowance, as determined by the Plan.

Which option is best for me?View the Answer


Each option has its own advantages. Using the PPO Option maximizes the value you derive from this plan because you receive covered services with some or no out-of-pocket costs. The Out-of-Network benefit offers you the convenience of selecting any provider with reimbursement paid to you subject to higher deductibles and coinsurance, at a maximum allowed fee (Reasonable & Customary charge) for the service.

You are always free to select and change your Dentist at any time, participating or non-participating, without notice.

What expenses are covered under the MBF Dental Plan?View the Answer


Benefits are payable for Covered Dental Charges incurred during a benefit year while eligible for these benefits. Covered charges include, but are not limited to, routine oral exams, extractions, fillings, crowns, oral surgery, root canal therapy, dental implants and orthodontics.

Are pre-estimates of dental expenses required?View the Answer


A treatment plan indicating a dentist's suggested treatment and charges is required for major services, orthodontic treatment and prosthetic procedures including:

  • Crowns
  • Dentures
  • Bridgework
  • Partials
  • Periodontal surgery
  • Implants

Pre-treatment estimates are required for the above services in excess of $250.  Pre-treatment estimates will provide both you and your dentist with actual coverage amounts before dental work begins.

Is there a maximum limit on the benefit payable?View the Answer


Yes. The maximum amount of benefits payable for any one individual is $5,000 per Benefit Year. This limit applies to all covered services whether they are PPO or out-of-network, or a combination of both.

There is a separate lifetime maximum benefit of $6,000 payable per individual for orthodontic treatment.

*For services completed prior to January 1, 2023, the annual maximum is $4,000 and the lifetime orthodontic maximum is $4,000.

Will I lose coverage when I am no longer a member of the MBF?View the Answer


Under COBRA, you and your dependents have the right to continue coverage for a specified period from the time you are no longer a member.

If at the time you lost your membership you or your dependents were receiving covered dental treatment that was not completely finished, benefits will be paid for certain Covered Dental Charges incurred for the unfinished dental work for an extended period of three months after membership is lost.

Learn more about COBRA benefits