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 Summary

In-Network

Out-of-Network

Preventive
Includes cleanings (2 per year), exams, fluoride (14 & under) & x-rays
In-Network
100% of Fee Schedule
Out-of-Network
100% of Fee Schedule
Basic
Includes fillings & oral surgery
In-Network
80% of Fee Schedule
Out-of-Network
80% of Fee Schedule
Waiting Period - Basic
In-Network
6 Months
Out-of-Network
6 Months
Major
Includes crowns, bridges, periodontics, endodontics & dentures
In-Network
50%
Out-of-Network
50% of Fee Schedule
Deductible
Per effective date year. Applies to all services.
In-Network
$50 per person/ $150 per family
Out-of-Network
$50 per person/ $150 per family
Waiting Period - Major
In-Network
15 Months
Out-of-Network
15 Months
Maximum Benefit
Per member, per effective date year. Applies to services excluding orthodontics.
In-Network
$1000 of which $500 per year can be used for Major Services
Out-of-Network
$1000 of which $500 per year can be used for Major Services
Orthodontics
Children 18 and under
In-Network
50% Insured (After 20% discount in Utah & Texas)
Out-of-Network
50% Insured (After 20% discount in Utah & Texas)
Orthodontic Maximum
Children 18 and under
In-Network
$500 Pear Year $1000 lifetime maximum
Out-of-Network
$500 Pear Year $1000 lifetime maximum
Orthodontics
Adults 19+
In-Network
20% Discount Utah & Texas only. Discounts may be available in other states. Please contact your preferred provider for details.
Out-of-Network
N/A
Waiting Period - Orthodontic
In-Network
Insured: 24 Months Discount: None
Out-of-Network
Insured: 24 Months Discount: None

FAQ

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

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.

Live Chat