|
||||
Benefits
|
High
|
Mid
|
Basic
|
Value |
Calendar Year MaximumChoose
your level of benefits
|
$2,500
|
$2,000 |
$1,500
|
$1,500
|
| $2,000
|
$1,500 |
$1,000
|
$1,000
|
|
| $1,500
|
$1,000 |
|
|
|
| $1,000
|
|
|
||
Individual Deductible (3 per family max)Applies to Basic and Major Services |
$0, $25, $50, $75 or $100 per Calendar Year |
$0, $25, $50, $75 or $100 per Calendar Year |
$0, $25, $50, $75 or $100 per Calendar Year |
$0, $25, $50, $75 or $100 per Calendar Year |
Class I: Preventive ServicesRoutine oral exam, cleanings, fluoride treatment for children, x-rays, sealants |
100%
|
100%
|
100%
|
100% |
Class II: Basic ServicesFillings (amalgam, porcelain & plastic), anterior & posterior composites, anesthesia (general or intravenous sedation), emergency palliative treatment, space maintainers for children, pathology |
90%
|
80%
|
80% |
50% |
Class III: Major ServicesCrowns & gold fillings, inlays, onlays & pontics, implants, fixed bridges, complete & partial dentures |
60%
|
50%
|
0%
|
0% |
| Waiting Period
|
12 months, unless waived |
12 months, unless waived |
None |
None |
Periodontics/Endodontics
|
Class
II or Class III
|
Class
II or III
|
Class
II or Class III
|
Class
II or Class III
|
Class IV: Orthodontics (optional)
|
50% |
50% |
Not offered
|
Not offered |
Child Only Benefit Availability
(Children through age 18) |
$1,000 Lifetime Maximum with a $500 Calendar Year Maximum or $1,500 Lifetime with a $750 Calendar Year Maximum |
$1,000 Lifetime Maximum with a $500 Calendar Year Maximum or $1,500 Lifetime with a $750 Calendar Year Maximum |
||
| Child and Adult Benefit Availability |
$1,000 Lifetime Maximum with a $500 Calendar Year Maximum |
$1,000 Lifetime Maximum with a $500 Calendar Year Maximum |
||
Waiting Period
|
12
months, unless waived
|
|
||
Special Dental Accident BenefitCovers injury to sound, natural teeth |
Up
to $1,000 per accident
|
Up
to $1,000 per accident
|
Up
to $1,000 per Accident
|
Up
to $1,000 per Accident
|
Children's Good Vision Benefit2
|
Included with purchase of Orthodontia |
Included with purchase of Orthodontia |
Not offered |
Not offered |
Out-of-Network Reimbirsement
Level
|
Maximum Allowable Charge |
Maximum Allowable Charge |
Maximum Allowable Charge |
Maximum Allowable Charge |