This plan is simple: There is only one rate, regardless of the individual's age or living area. There is no age limit or state restriction. While the premium is lower, out-of-pocket expenses can be expected to be higher than with the Traditional Dental Plan. Costs to the insured still remain reasonable, and this plan may be preferred because the benefits are fixed—dependable and not subject to price escalation.
Maximum Benefit for dental procedures performed is $1,000 per insured person per calendar year. The deductible per insured person is $50 per calendar year or $150 family maximum. This deductible is waived for preventive and diagnostic treatment, and applied against insurance-covered expenses, not billed charges.
There is no age limit for this plan. Eligible dependents include spouse and dependent children to age 19 (25 if full-time student). There are no network restrictions, so all insureds have the freedom to choose any dentist they want, and there is no waiting period for Preventive, Diagnostic, and Restorative dental services. There is a six-month waiting period for Endodontics and Oral Surgery and a 12-month waiting period on Perodontics, Major Restorative, Removable Prosthetics, and Fixed Bridge Services.
- Member = $24
- Member + Spouse = $43
- Member + Children = $43
- Member + Family = $58
Scheduled Application
