Dental Benefits

Dental Benefits are designed to help employees avoid or offset dental expenses that are incurred by themselves 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 dependents under the age of 19 for this benefit. Adult orthodontia coverage is available.

Benefit Schedule

Minor restorative, major restorative and orthodontic benefits often have a coinsurance to reduce cost and share the responsibility of dental health. Diagnostic, Preventative, and Minor Restorative are often reimbursed at 80%-100% up to an annual maximum of between $1,000 and $2,500. Major restorative claims are often reimbursed at 50% up to an annual maximum of $1500 – $3000. Orthodontic claims are often reimbursed at 50% up to a lifetime maximum of $1500 – $3000.