Dental Plans



Similar to Group Dental plans, Individual plans are designed to help offset dental expenses that are incurred by the covered individual or their families. The benefits may include:

Diagnostic and Preventative:

    This level of service includes examinations, cleaning and X-rays.

Minor Restorative:

    Scaling, fillings, extractions, periodontics (gum disease) and endodontics (root canal) may be required.

Major Restorative:

    Crowns, inlays, bridges and dentures.

Orthodontics:

    Braces are used to align teeth. Most plans only cover dependants under the age of 19 for this benefit. Adult orthodontia coverage is available.


Benefit Schedule

Benefits often have a coinsurance to reduce cost and share the responsibility of dental health. Diagnostic, Preventative, and Minor Restorative are often reimbursed at 70%-100% up to an annual maximum of between $500 and $1,500. Major restorative claims are often reimbursed at 50% up to an annual maximum of $500 – $1000. Orthodontic claims are often reimbursed at 50% up to a lifetime maximum of $500 – $1,000.