Begin with the annual maximum.
The annual maximum is the most the plan will pay toward covered dental services during the plan year.
EMPLOVA BENEFITS
Dental Plans
UNDERSTANDING YOUR DENTAL COVERAGE
Think beyond the routine cleaning.
Each dental option supports preventive care, but the plans differ most when you need basic work, major services, orthodontia or out-of-network care.
3dental plan designs
Look at how services are paid.
Compare the plan-paid percentage for preventive, basic and major services—not just the deductible.
Plan for special needs.
Orthodontia and out-of-network reimbursement can make a meaningful difference for some employees and families.
DENTAL PLAN DESIGNS
Choose the right level of dental coverage.
See annual maximums, plan-paid percentages, orthodontia and out-of-network reimbursement side by side.
3dental options
BenefitAll amounts shown per plan
$1K maxDental Low 1000Dental
$2K maxDental Medium 2000Dental
$5K maxDental High 5000Dental
Annual deductible
$50/$150
$50/$150
$50/$150
Annual maximum benefit
$1,000
$2,000
$5,000
Preventive
Plan pays 100%; deductible waived
Plan pays 100%; deductible waived
Plan pays 100%; deductible waived
Basic
Plan pays 80%
Plan pays 80%
Plan pays 90%
Major
Plan pays 50%
Plan pays 50%
Plan pays 50%
Periodontics / endodontics
Major/Major
Basic/Major
Basic/Basic
Orthodontics
—
Plan pays 50%, up to $1,000 lifetime
Plan pays 50%, up to $2,000 lifetime
Out-of-network reimbursement
80th UCR
90th UCR
90th UCR
Dental Low 1000
- Annual deductible
- $50/$150
- Annual maximum benefit
- $1,000
- Preventive
- Plan pays 100%; deductible waived
- Basic
- Plan pays 80%
- Major
- Plan pays 50%
- Periodontics / endodontics
- Major/Major
- Orthodontics
- —
- Out-of-network reimbursement
- 80th UCR
Dental Medium 2000
- Annual deductible
- $50/$150
- Annual maximum benefit
- $2,000
- Preventive
- Plan pays 100%; deductible waived
- Basic
- Plan pays 80%
- Major
- Plan pays 50%
- Periodontics / endodontics
- Basic/Major
- Orthodontics
- Plan pays 50%, up to $1,000 lifetime
- Out-of-network reimbursement
- 90th UCR
Dental High 5000
- Annual deductible
- $50/$150
- Annual maximum benefit
- $5,000
- Preventive
- Plan pays 100%; deductible waived
- Basic
- Plan pays 90%
- Major
- Plan pays 50%
- Periodontics / endodontics
- Basic/Basic
- Orthodontics
- Plan pays 50%, up to $2,000 lifetime
- Out-of-network reimbursement
- 90th UCR
Table key
- D
- The deductible applies before the plan begins paying for the service.
- C
- Coinsurance applies to the service.
- D&C
- The deductible and coinsurance apply.
- AD
- The listed benefit applies after the deductible.
- OON
- Out-of-network. Costs and reimbursement may differ from in-network care.
- UCR
- Usual, customary and reasonable reimbursement methodology.
- Mdcr
- Reimbursement shown as a percentage of the Medicare rate.