High Deductible Plan

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Simplified Plan Design

After members satisfy an annual deductible, all covered services for Preventive, Basic, & Major will be paid at 80%. Pretty simple, right?

Unlimited Maximum Available

An unlimited maximum that applies to Preventive, Basic, and Major services on a per member, per calendar year basis.

Higher Deductible, Lower Premium

Save an average of 17% on monthly premiums when choosing the high deductible plan.

No Waiting Periods for Preventive & Basic Services

That’s right, no waiting periods on the services you’ll use most.

Plan Summary

In-Network

Out-of_Network

Preventive
After Deductible - Includes routine exams, cleanings (2 per year), topical fluoride, x-rays, sealants & space maintainers, composite fillings, extractions, and oral surgery
In-Network
Plan pays 80%
Out-of_Network
80% of Reasonable & Customary
Basic
After Deductible - Includes routine exams, cleanings (2 per year), topical fluoride, x-rays, sealants & space maintainers, composite fillings, extractions, and oral surgery.
In-Network
Plan pays 80%
Out-of_Network
80% of Reasonable & Customary
Major
After Deductible - Includes crowns, bridges, dentures, endodontics, periodontics, and implants (alternate benefit applies)
In-Network
Plan pays 80%
Out-of_Network
80% of Reasonable & Customary
Waiting Period - Major
In-Network
12 Months
Out-of_Network
Deductible
Applies to Preventive, Basic, & Major services
In-Network
$200 per member/ $600 per family, per calendar year.
Out-of_Network
$200 per member / $600 per family, per calendar year.
Maximum Benefit
Per member, per calendar year. Applies to Preventive, Basic, & Major services
In-Network
Unlimited
Out-of_Network
Unlimited
Orthodontics (Optional)*
Can now be quoted with 2+ enrolled. Adult + Child Ortho plans available. Children 18 and Under $1,000 Lifetime Maximum.
In-Network
Plan pays 50%
Out-of_Network
50%
Waiting Period - Orthodontic
In-Network
12 Months
Out-of_Network

FAQ

Which networks can I use?

We can provide quotes for our Platinum network.

When is my plan effective?

Most plans begin on the first of a calendar month. However, if you need a mid-month start we can accommodate that. Simply let us know your preferred effective date when you request a quote.

Who can I include on my plan?

Eligible employees and any legal dependents, age 26 and under.

Does my plan include Vision?

Yes. Contact Dental Select for one of our many Vision Plans.

Additional inclusions for Seniors

Not applicable for Employer plans.

What if I require specialist services?

Members receive a paid benefit for covered services provided by both general and specialist providers after waiting periods and deductibles are met.

Where can I find a copy of my plan brochure?
To which services does my deductible apply?

This can be customized as part of a quote.

Plan Highlights

  • Preventive, Basic and Major services paid at 80% after deducible
  • No waiting period on Preventive and Basic services.
  • Save an average of 17% on monthly premiums
  • Adult & child Orthodontic benefit options
  • Discount Vision included with every dental plan
  • Nationwide dentist network access
  • Customizable plan benefits
  • Implant benefits available

Legal

Plan Exclusions

Important Notice: This information is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the policies issued in the state in which the policy was delivered. Complete details may be found in the policies. The policy is subject to the laws of the state in which it was issued. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies, headed by Chubb, Ltd. (NYSE: CB) Insurance products and services are provided by Chubb Insurance underwriting companies and not by the parent company itself.