A Dental Program can complete the health benefits package you offer your employees, even if your firm is as small as 2 or as larger. The plan design below covers the most frequently used dental services, such as simple extractions, fillings, X-rays, and periodic exams.

PREVENTIVE/DIAGNOSTIC SERVICES 

• Oral exams‑initial and periodic 
• Prophylaxis, including cleaning and polishing 
• Fluoride treatments for covered persons under age 19
• Sealants to age 14 only

BASIC SERVICES

• Simple extractions                                  
• Synthetic restorations                             
• Silver amalgam fillings                           
• Palliative emergency dental services      
• General anesthesia
• Simple repair of dentures
• Surgical extractions
• Periodontic examinations
• Root canal

MAJOR SERVICES

NOTE: Coverage must be in effect for at least six months before the plan pays benefits for these services unless waived by the home office.

• Inlays and crowns
• Partial or complete dentures
• Fixed bridges

ANNUAL MAXIMUMS

The Dental program has an annual maximum up to  $2,000 in benefits for each covered person.

CHOICE OF BENEFIT LEVELS

The Dental Option Plan program pays 100 percent Preventive and Diagnostic Services, 80 percent for Basic Services, and 50 percent for Major Services.

DEDUCTIBLE

The Dental program includes a deductible. The deductible is $50 per individual for Basic and Major Services to a maximum of $150 per family.