Dental Select Coinsurance Plus includes a 50% orthodontic benefit for children aged 18 and additional coverage on Basic services. Plus you’ll enjoy shorter waiting periods and lower annual deductibles as compared to the standard Coinsurance Plan. Deductibles apply to all services.

Short Waiting Periods

Our shortest waiting periods available on coinsurance plans. Receive all basic benefits on effective policy date and comprehensive coverage within 15 months.

Vision Coverage

All members are also covered by the EyeMed Discount Vision plan included at no cost, offering discounts at top vision retailers nationwide.

Low Annual Deductible

Our lowest annual deductibles at $50 per individual and/or $150 for a family.

Orthodontics

Kids need braces? Orthodontic coverage is available for children 18 and under.

More Savings

Additional discounts are available on teeth bleaching and cosmetic services.

Plan Highlights

  • Get access to care nationwide when you enroll on our Platinum network
  • 100% coverage for preventive services available on day one
  • Access to our Dental Select mobile ID card app
  • Add coverage for any legally qualified dependents

Plan Summary

In-Network

Out-of-Network

Preventive
Includes cleanings (2 per calendar year), exams, fluoride (14 & under) & x-rays
In-Network
100%
Out-of-Network
100% of Fee Schedule
Basic
Includes fillings & oral surgery
In-Network
80%
Out-of-Network
80% of Fee Schedule
Basic Waiting Period
In-Network
6 Months
Out-of-Network
6 Months
Major
Includes crowns, bridges, periodontics, endodontics & dentures
In-Network
50% of Fee Schedule
Out-of-Network
50% of Fee Schedule
Deductible
Per calendar year. Applies to all services.
In-Network
$50 / $150 per person / per family
Out-of-Network
$50 / $150 per person / per family
Major Waiting Period
In-Network
15 Months
Out-of-Network
15 Months
Maximum Benefit
Per member, per calendar year. Applies to services excluding orthodontics.
In-Network
$1,000 of which $500 per calendar year can be used for Major Services
Out-of-Network
$1,000 of which $500 per calendar year can be used for Major Services
Orthodontics
Children 18 and under
In-Network
50% Insured
Out-of-Network
50% Insured
Orthodontic Maximum
Children 18 and under
In-Network
$500 per year $1000 lifetime maximum
Out-of-Network
$500 per year $1000 lifetime maximum
Orthodontic Waiting Periods
In-Network
Insured: 24 Months
Out-of-Network
Insured: 24 Months

FAQ

Which networks can I use?
When is my plan effective?
Who can I include on my plan?
Does my plan include Vision?
What if I require specialist services?
Where can I find a copy of my plan brochure?
To which services does my deductible apply?

Legal

EXPENSES NOT COVERED: No benefits will be paid for expenses incurred:

In all states

  • for services related to, performed in conjunction with, or resulting from a non-covered procedure.
  • for charges in excess of the Contracted Fee Schedule or the Usual, Customary and Reasonable rate, whichever applies.
  • for any treatment program which begins prior to the date the Insured is covered under the Policy.
  • for crowns, inlays and onlays on teeth that can be restored by direct placement materials.
  • for the replacement of crowns, bridges, inlays, onlays or prosthetic appliances within 5 years from the date of last placement.
  • for any condition covered under any Workers’ Compensation Act or similar law.
  • for services applied without cost by any municipality, county or other political subdivision or for which there would be no charge in the absence of insurance.
  • for services that are applied toward the satisfaction of a Deductible, if any.
  • for services subject to a Benefit Waiting Period.
  • for charges resulting from changing from one provider to another while receiving treatment, or from receiving treatment from more than one provider for one dental procedure to the extent that the total charges billed exceed the amount incurred if one provider had performed all services.
  • for Hospital facility charges for any dental procedure, including but not limited to: emergency room charges, surgical facility charges, Hospital confinement.
  • for drugs or the dispensing of drugs.
  • for oral hygiene instruction; plaque control; acid etch; prescription or take-home fluoride; broken appointments; completion of a claim form; OSHA/sterilization fees (Occupational Safety & Health Agency); or diagnostic photographs (except for orthodontic purposes).
  • for implants (unless included in covered services); myofunctional therapy; athletic mouthguards; precision or semi-precision attachments; treatment of fractures, cysts, tumors, or lesions; maxillofacial prosthesis; orthognathic surgery; TMJ dysfunction; cleft palate; or anodontia.
  • for orthodontia, unless included within the Benefit Schedule.
  • for services to replace teeth that are missing (extracted or congenitally) prior to the Effective Date of the Policy. This limitation ends after 36 months of continuous coverage on the Policy. Abutment teeth will be reviewed for eligibility of prosthetic benefits.
  • for composite, resin, or white fillings on posterior primary teeth. Benefits will be reduced to that of an amalgam or silver filling.
  • for the replacement of a filling within 24 months of placement, unless for specific health reasons.
  • for the replacement of retainers.
  • for lab fees for higher metals or porcelain crowns, bridges, inlays, or onlays.
  • during travel or activity outside the United States.

In Texas and Utah only

  • for services and supplies not listed in the Benefit Schedule, not recognized as essential for the treatment of the condition according to accepted standards of practice or considered experimental, subject to the Right To Appeal provision contained in your Policy.
  • for cosmetic procedures, including but not limited to veneers and bleaching of teeth and procedures performed primarily for cosmetic reasons, subject to the Right To Appeal provision contained in your Policy.
  • for sealants not applied to permanent bicuspids or molars, applied at age 18 or older, applied 3 years from a previous sealant application, applied to a decayed tooth.

In all states, except Texas and Utah

  • for services and supplies not listed in the Benefit Schedule, not recognized as essential for the treatment of the condition according to accepted standards of practice or considered experimental.
  • for cosmetic procedures, including but not limited to veneers and bleaching of teeth and procedures performed primarily for cosmetic reasons.
  • for sealants not applied to permanent bicuspids or molars, applied later than the end of the month in which a child reaches age 19, applied 3 years from a previous sealant application, applied to a decayed tooth.
    This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims.

This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims.

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