A standard Dental Calendar Year deductible applies and must be met before claims are paid:
Dental Calendar Year |
Deductible |
Per Individual |
$100 |
Per Family |
$300 |
The Dental Benefit is divided into four types of classes:
Dental Service |
Plan Pays |
Class I - Preventative Services |
(no deductible) plan pays 100% of covered expenses |
Class II - Basic Services |
$80% of covered expenses, after calendar year deductible |
Class III - Major Services |
80% of covered expenses, after calendar year deductible |
Class IV - Orthodontic Services |
50% of covered expenses, after calendar year deductible |
The annual maximum benefits for Class I, II, and III services combined are $1,500.
There is a lifetime benefit amount for Class IV - orthodontic services of $2,000.