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Dental Insurance

Most dental care coverage places an emphasis on regular preventive care by covering routine and preventive costs at 100%, with no waiting period. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem. By placing an emphasis on prevention, and by covering regular teeth cleaning and check-ups, dental insurance saved Americans nearly $100 billion in dental care costs.

Dental coverage is available both to employer groups of two or more enrolled employees and for individual (self-pay) plans. Typical dental insurance provides the following coverage:

• Annual deductible = $50/person up to a maximum of $150/family
• Annual maximum benefit = $1,000/person (total amount paid by the insurance company)
• Preventive Care (e.g., routine check-up's, cleanings, x-rays, etc.) covered at 100%.
• Basic/Restorative Care (e.g., cavity treatments, fillings, etc.) covered at 80%, after the deductible, up to the annual maximum.*
• Major Dentistry Care (e.g., crowns, bridges, root canals, etc.) covered at 50%, after the deductible, up to the annual maximum.*

* For group plans without continuous coverage and for all individual plans, waiting periods or reduced benefits apply for Basic and Major services.

Make sure your dental costs are covered. Click here to complete a request for group dental coverage.

Click here for more information regarding individual/family dental coverage.