Dental

We believe our customers should have access to the best dental care at the best pricing possible. That's why we offer the flexibility to design programs to fit a specific need.  Our dental plans cover preventive, basic, major, and orthodontia (if elected). Cost sharing and benefit limits provide an incentive to use the plan wisely.

Our high-quality plans are convenient and affordable, and can include full reimbursement for preventive care with no deductibles. We offer a variety of packaged options, as well as the flexibility to design customized solutions for larger employers.*  Employers can choose a voluntary or contributory plan.

Premium Plus	Annual Maximum up to $2,500 depending upon employer size Orthodontia for adults and children is optional Out-of-network reimbursement at 80th or 90th percentile Deductible does not apply to Preventive Preventive includes sealants and space maintainers Basic benefits include simple periodontia
Premium	Annual Maximum of $1,000 Orthodontia for child is optional Out-of-network reimbursement at 80th or 90th percentile Deductible does not apply to Preventive Preventive includes sealants and space maintainers Basic benefits include simple periodontia
Advantage	Annual Maximum of $750 Deductible applies to Preventive, Basic and Major No Orthodontia Out-of-Network reimbursement at 60th percentile Basic benefits include space maintainers and sealants
Basic	Annual Maximum of $500 Deductible does not apply to Preventive No Major benefits or Orthodontia Out-of-network reimbursement at 80th percentile Basic benefits include simple periodontia Space maintainers and sealants are not covered

*Groups with 50 lives or more may customize plans

Plan designs may vary by state.  Please click here to view more information about Dental Plans.

Rollover Benefit**

In addition, our dental plan offers a valuable feature that allows employees to carryover part of their unused annual maximum. By rolling over unused dollars, employees can increase their maximum benefit and lessen future out-of-pocket expenses.

How does the Rollover Benefit work? As long as the total benefits paid for an employee do not exceed the Threshold Amount (1/2 of calendar year maximum) in any year, he or she qualifies to "rollover" benefits up to a maximum limit.  Rollover over options include 25%, 30% and 35%.

The additional benefit that can be accumulated under the Rollover Benefit is the lesser of the annual maximum or $2,500. Under most programs, employees would be able to double their dental maximum over time.

The Rollover Benefit applies to Preventive, Basic, and Major calendar year maximum.

**Not available in IL

Please click here to view our Dental Plan Rollover Benefit details.