Dental Insurance

You have the option of selecting from two dental programs, Plan 1 or Plan 2 as shown on this page. The difference on the dental plans is what is considered basic and major procedures on each plan.  You do not have to be enrolled in any other plan to enroll in one of the dental plans. Eligible dependents can participate in the dental program and would receive the same plan chosen by the employee.  

There is no reason for poor dental health. With all the advances in dental care, regular checkups and proper dental maintenance, no one should suffer from tooth decay or dental disease. By participating in one of the dental programs, you have the opportunity to make regular checkups much easier and less costly.

Coinsurance (Plan Pays)	High Plan1	Low Plan2
Preventive Procedures Basic Procedures Major Procedures	100% 80% 50%	100% 80% 50%
Deductible Amounts
Preventive Procedures Deductible waived for preventive Basic and Major Procedures Each Calendar Year Waiting period of 12 months for major services	$0 $50	$0 $50
Maximum (calendar year, per person) Preventive, Basic and Major Procedures	$1000	$1000

Both plans include access to a Network. You have the option of choosing a participating or non-participating provider and would receive the benefits shown for Plan 1 and Plan 2, whichever plan is chosen. A participating provider is a dentist who has entered into an agreement to provide services to you at a specific fee.