Dental

Dental coverage helps you maintain a healthy smile with preventive care, basic services, and major procedures. You can visit any licensed dentist, but you’ll save the most when you use an in-network provider who has agreed to discounted rates. Out-of-network dentists may charge more than the plan’s allowed amount, and you may be responsible for the difference. Most plans cover preventive services—such as exams, cleanings, and X-rays—at 100% when you stay in-network, making regular checkups an easy way to protect your oral health and avoid costly issues.

*This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying under the threshold amount for benefits received for that year.

Benefit Threshold: $750 – Dental benefits received for the year cannot exceed this amount

Annual Carryover Amount: $250 – Dental rewards amount is added to the following year’s maximum

Annual PPO Bonus: $150 – Additional bonus is earned if the member sees a network provider

Maximum Carryover: $1,000 – Maximum possible accumulation for dental rewards and PPO bonus combined

**The Basic services coinsurance is a progressively increasing benefit. The longer you stay on the plan, the higher your coinsurance. As long as you have at least one dental claim submitted each benefit period, you continue to advance one coinsurance level until you reach 100%. If you fail to have at least one dental claim submitted during any benefit year, you will revert back to the beginning of the coinsurance benefit. If that happens, you can progress back to higher coinsurance levels in subsequent years by submitting at least one dental claim each benefit year.