Frequently Asked Questions

The main difference between in-network and out-of-network providers is the amount you will pay a provider for service.  When a provider partners with an insurance company (in-network), the provider agrees to a negotiated rate for services. When a provider does not partner (out-of-network) the provider is able to charge full price for their services. You may see any provider but you will get the most benefit from your insurance by visiting an in-network provider. below for further details on Delta Dental’s networks.

An annual maximum is the maximum dollar amount a benefit plan will pay toward the cost of care within a specific benefit period, usually a calendar year. 

The portion of the cost of your treatment that you are required to pay. 

A specific dollar amount that you must pay before the plan begins to cover your expenses.

This is a document you receive from your insurance carrier after you visit the provider. It is not a bill, but rather an explanation of what procedures were performed and what was covered by your plan. Though EOBs vary, they should include the provider’s fee, the portion your insurer paid and any amount you may owe (such as deductible, coinsurance or non-covered services). It should also include an update on how much of your annual maximum has been used and the amount you’ve paid toward your deductible.

A qualifying life event includes a change in marital status (marriage or divorce), the birth of a child, adoption of a child, or loss of other coverage. If you have had a qualifying life event, please contact the Benefit Support Team at (847) 247-8811.  You can enroll under a qualifying life event up to 60 days after such an event. If you miss that window, you will have to wait for the next available open enrollment period.

If you have enrollment, payment, or billing questions, please contact Benefit Partners Technology at (847) 247-8811. If you are already enrolled and have questions about claims or other benefit related information, you should contact Delta Dental customer service at (800) 323-1743, or email For questions related to Beam Dental and VSP, please contact the Beam Support Team at (800) 648-1179 or email

If you have any questions about the 401(k) plan please contact Benefit Partners Financial Group, a division of Hub International, at (847) 247-8811.

You may enroll in an Affordable Care Act compliant plan through the Marketplace or we can assist you with obtaining a short-term plan.  For more information contact Benefit Partners Technology at (847) 247-8811.