Individual & Family Dental Plans
| University of North Texas AssociationSpecial rates for members of associations, banks, credit unions, non-profit organizations or school districts. |
General Information |
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| Discount Plan | Co-Pay Plan | Co-Insurance Plans | ||||
| Which networks can I use? | No non-contracted provider discounts available. Member must receive dental care from a Silver Network provider to receive discounts. | Contracted | Non-Contracted | Option 1 | Option 2 | |
| General Dentists Only. Receive a 20% discount for contracted specialists, no other benefits apply. | After deductibles and waiting periods are met, all Co-Insurance Plans pay a non-contracted provider benefit, according to the plan fee schedule. | After deductibles and waiting periods are met, all Co-Insurance Plans pay an non-contracted provider benefit, according to the plan fee schedule. | ||||
| When is my plan effective? | Discounts and care begin on the day of enrollment. | 1st day of the following month from the date we receive your enrollment. | 1st day of the following month from the date we receive your enrollment. | 1st day of the following month from the date we receive your enrollment | ||
| Who can I include on my plan? | Spouse, Children, Grandchildren, Parents and Grandparents. | Spouse and any unmarried children up to age 25. | Spouse and any unmarried children up to age 25. | Spouse and any unmarried children up to age 25. | ||
| Does my plan include Vision? | Yes. EyeMed Discount Vision is included with every dental plan. | Yes. EyeMed Discount Vision is included with every dental plan. | Yes. EyeMed Discount Vision is included with every dental plan. | Yes. EyeMed Discount Vision is included with every dental plan. | ||
| Additional inclusions for Seniors | Discount Vision and Connection Hearing are also included with all Senior plans. | Discount Vision and Connection Hearing are also included with all Senior plans. | Discount Vision and Connection Hearing are also included with all Senior plans. | Discount Vision and Connection Hearing are also included with all Senior plans. | ||
| What if I require specialist services? (You are not required to receive services from a specialist, most general dentists perform specialist services.) |
Members receive discounts on all services from contracted specialists. | Members receive a 20% discount by all contracted specialists. No waiting periods or deductibles apply to the discount. | After waiting periods and deductibles are met members receive a paid benefit for covered services provided by both general and specialist providers. | After waiting periods and deductibles are met members receive a paid benefit for covered services provided by both general and specialist providers. | ||
Levels of Coverage |
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| Discount Plan | Co-Pay Plan | Co-Insurance Plans | ||||
| Type of Plan | Fee-for-services discount plan Contracted provider discount only* | Insured Plan Contracted or Non-Contracted Providers | Insured Plan | Insured Plan Contracted or Non-Contracted Providers |
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| Preventative | Up to 90% fee reduction | 100% | Refer to Sample Payment link under Additional Information below. See the Non-Contracted Plan Payment for this plan. | 100% | 100% | |
| Basic | Up tp 60% fee reduction | Up to 70% coverage | 70% | 80% | ||
| Major | Up to 50% fee reduction | Up to 50% coverage | 50% | 50% | ||
Plan Conditions |
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| Discount Plan | Co-Pay Plan | Co-Insurance Plans | ||||
| Deductible | None | $25/$75 | $75/$225 | $50/$150 | ||
| Maximum Benefit | No Maximum | No Maximum | $1,000 (of which $500 per year can be used for Major Services) | $1,000 (of which $500 per year can be used for Major Services) | ||
| Waiting Periods Basic | None | 6 Months | 6 Months | 6 Months | ||
| Waiting Periods Major | None | 12 Months | 18 Months | 15 Months | ||
| Waiting Periods Orthodonic | None | None | None | Discount - Non Insured - 24 Months | ||
Orthodontics |
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| Discount Plan | Co-Pay Plan | Co-Insurance Plans | ||||
| Orthodontics | 20% Discount (Contacted Provider) | 20% Discount (Contacted Provider) | No Coverage | 20% Discount (Contacted Provider) | Adults - 20% Discount (contracted) Children 18 and Under - 50% insured after 20% Discount (Contracted) | |
| Orthodontic Maximum | No Maximum | No Maximum | No Maximum | $500 per year $1,000 lifetime maximum | ||
| Network Options | Silver | Gold or Platinum | Gold or Platinum | Gold or Platinum |
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Rates are for new members only. If you are currently a member, please contact Dental Select or your agent for rate details.
Additional information
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* The Discount Plan is not a dental insurance policy. This program provides discounts only from a certain network of dental providers. The member is responsible to pay for all services but will receive a discount from dental providers who are contracted on Dental Select?s Silver Network.
ACE USA is the U.S. domestic operating division of ACE Limited. Insurance products and services are provided by the U.S. insurance underwriting companies and not by the ACE Limited. This plan of insurance is underwritten by ACE American Insurance Company.
Last Updated on December 31, 2009
