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Group Employee Dental Insurance Plan Features
* Efficient & accurate claims processing
* Claim allowance options include Usual, Customary and Reasonable; Median
Series; Scheduled; Maximum Allowable Charge
* Preventive procedures include cleanings, x-rays, exams, fluoride treatment
* Basic procedures include fillings, extractions, oral surgery, periodontics (gum
disease), endodontics (root canal)
* Major procedures include full and partial dentures, crowns, inlays
* Orthodontic benefits available on most plans
* Takeover provisions available for qualifying groups with prior dental coverage
* Coverage for space created by previous extractions available for qualifying
groups
* Maximum options range from $500 to $2,500 annually
* Deductible options available up to $250, may be waived for Preventive
* Co-insurance options include 100%-80%-50% (Preventive, Basic, Major)
* Incentive co-insurance option requires a set of three or four-step percentages
such as 70%-80%-90%-100% where insureds begin at the lowest level and work
their way up.
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