Dental Plan B Summary
Deductible: There is no deductible for Type 1 procedures. Type 2 and Type 3 procedures have a combined $100 calendar year deductible.
Maximum Benefit: The maximum dental benefit per calendar year is the most that will be paid for covered dental expenses incurred by each plan member. On Plan B, the maximum dental benefit per calendar year is $1,000 (combined in and out of network).
Allowance: This plan utilizes the 50th percentile of Usual and Customary for Type 1 procedures, which means 5 out of 10 dentists’ charges in your specific area are at or below the plan allowance for a procedure. Type 2 and Type 3 procedures are reimbursed based on a set fee, or schedule. See the full list of covered Type 2 and Type 3 procedures and their covered amounts.
Dental Rewards: By visiting the dentist annually for preventive care, you can build up your annual maximum benefit to help pay for more expensive dental procedures in the future. File at least one dental claim during the benefit year and do not exceed the annual benefit threshold of $500. Preventive procedures apply to the annual threshold. You are then rewarded the following benefit year with $250 added to your $1,000 annual maximum. The maximum amount that can be carried over is $1,000.
At least one claim must be filed each benefit year or the annual maximum is reset to $1,000, at which point you can start rebuilding your Dental Rewards. Dental Rewards carry over between the plans if you change plans in the future.
Orthodontia: Coverage for orthodontic treatment is included on all plans. See the Orthodontia section below for more details.
Vision Benefits: All employees participating in any of the group dental insurance plans will receive the vision benefit at no additional cost. You also receive discounts on LASIK procedures through an EyeMed provider. See the Vision page for more details.
Hearing Benefits: You, and your friends and family, can order a hearing test and hearing aids online through iHear. See the Hearing page for more information.
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