SLPC 25097 01/18 (exp. 01/20)

Keep your family healthy and smiling bright.

Dental insurance can help lower your out-of-pocket expenses so you and your family can maintain healthy smiles—and better overall health, too.

How does it work?

When you sign up for dental insurance through work, you can take advantage of group rates that are often more affordable than the rates you would face if you were to purchase insurance on your own. Coverage may also be available for your spouse and dependents, so you can keep your family healthy.

Most dental plans give you access to a Participating Provider Organization (PPO) network,1 which negotiates discounted rates with the dentists in the network for nearly every procedure covered by your dental insurance. This means that you have fewer out-of-pocket expenses when you visit an in-network dentist.

What’s covered?

Depending on your dental insurance policy, your plan can cover expenses ranging from preventive procedures such as cleanings, X-rays, and exams, to major procedures like bridges, dentures, and crowns, as well as orthodontics (braces). Your expenses may be fully or partially covered.

Dental insurance also makes use of a coinsurance (cost-sharing) arrangement. When you visit the dentist, the insurance company pays a portion of the allowable expense for a covered service, and you pay the remaining amount. Your coinsurance amount will vary based on the type of dental procedure.

The following chart shows sample coinsurance amounts for different types of dental procedures when you visit an in-network dentist:

  Insurance company may pay You pay
Cleaning 100% 0%






Coinsurance amounts and covered procedures vary by plan. Your plan may also have different coinsurance amounts for covered services if you visit an out-of-network dentist.

When choosing a dental plan, it’s important to consider the coinsurance amount for different types of procedures, your deductible, plan maximums, and using an in-network dentist.

1. Our network is made available through dentists under access arrangements with Dental Health Alliance, L.L.C.® (DHA®) and other dental PPO networks.

This dental insurance does not provide coverage for pediatric oral health services that satisfies the requirements for “minimum essential coverage” as defined by The Patient Protection and Affordable Care Act (“PPACA”).

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01. Prepaid dental products are provided and administered by SLOC under Form Series BDC-GDSA, PDC, and are provided by prepaid dental companies, affiliated with SLOC, under Form Series BDC-GDSA, UDC-CA-GA06-UDC, UDC-CA-GA06-89, FB-NJ-0281, UDC-09-GDSA-TX, PDC in certain states except New York. Prepaid dental companies are Denticare of Alabama, Inc., United Dental Care of Arizona, Inc., UDC Dental California, Inc., United Dental Care of Colorado, Inc., Union Security DentalCare of Georgia, Inc., United Dental Care of Missouri, Inc., Union Security DentalCare of New Jersey, Inc., United Dental Care of New Mexico, Inc., UDC Ohio, Inc., United Dental Care of Texas, Inc., and United Dental Care of Utah, Inc. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) under Policy Form Series 15-GP-01 and prepaid dental products are provided and administered by SLHIC under Form Series BDC-GDSA-NY. Product offerings may not be available in all states and may vary depending on state laws and regulations.