Get over the overcomplicated dental plans.

Have your clients been asking for simple benefits that don’t cost them a fortune? Well, you just found the solution. Dental Select’s High Deductible Plan1 offers low premiums and transparency with our easiest plan design yet. Simple, straightforward and affordable.

The way dental should be.

Here’s how it works:

  • After members satisfy an annual deductible, all covered services for Preventive, Basic & Major will be paid at 80%.2 Pretty simple, right?
  • The deductible applies to Preventive, Basic, and Major services.
  • No waiting periods apply to Preventive or Basic services. A 12-month waiting period applies to Major services, and orthodontia if elected.
  • Save an average of 17% on monthly premiums when compared to our standard co-insurance plan.3
  • Includes our new Unlimited Maximum

 

Plan Highlights & Summary


Preventive, Basic and Major services paid at 80% after deductible.2

Save an average of 17% on monthly premiums.3


Available on Platinum and Gold networks.


No waiting period on Preventive and Basic
services.

Insured child only or adult & child orthodontic benefit available.


Discount Vision included with every dental plan.

Contracted DentistNon-Contracted Dentist
Preventive & Basic
After Deductible - Includes routine exams, cleanings (2 per year), topical fluoride, x-rays, sealants & space maintainers, composite fillings, extractions, and oral surgery.
80%* 80%
of R&C
Major
After Deductible - Includes crowns, bridges, dentures, endodontics, periodontics, and implants (alternate benefit applies).
12 Month Waiting Period
80%* 80%
of R&C
Deductible
Per member/family, per calendar year.
Applies to Preventive, Basic, & Major services.
$200/$600*
Maximum Benefit
Per member, per calendar year.
Applies to Preventive, Basic, & Major services.
UNLIMITED*
Orthodontics (Optional)*
12-month waiting periods.
Can now be quoted with 2+ enrolled. Adult + Child Ortho plans available.
50%
Children 18 and Under
$1,000 Lifetime Maximum

* Plan features marked with an asterisk can be customized upon request.

High Deductible plan currently available only in Texas and Utah.

Participation Requirements

Contributory

  • Minimum of 2 enrolled and 75% of eligible employees.

Voluntary

  • Groups of 2-20: Minimum of 2 enrolled and 25% of all eligible employees.
  • Groups of 21+: Minimum of 5 enrolled.
  • Voluntary groups which have not previously offered a dental program within the last 12 months will include waiting periods unless otherwise requested and approved.

Download Plan Brochure 


  1. 1. Dental Select’s High Deductible Plan is not a High Deductible Health Plan (HDHP) for purposes of establishing a Health Savings Account (HSA) or eligibility for an HSA.
  2. 2. In-network plan payment based on fee schedule, out-of-network plan payment based on R&C. Waiting periods may apply. Orthodontia services are covered at 50%, if orthodontia is elected. See plan summary for details.
  3. 3. The monthly premium for Dental Select’s High Deductible dental plan is 17% less, on average, across all tiers, than a standard $50/$150 deductible Dental Select dental plan with comparable benefits at 100/80/50 coinsurance levels.
  4. 4. Unlimited Maximum benefits are not available for orthodontia services, which have a $1,000 Lifetime Maximum.
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.
All plans of insurance are marketed by Dental Select, an insurance agency, and underwritten by ACE American Insurance Company, a member insurer of the Chubb Group of Companies.

 

Review additional plan details, limitations, and exclusions here.