Dental

SLPC 25097 03/20 (exp. 03/22)

Keep your family healthy and smiling bright.

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

When you sign up for a dental plan 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.

We offer two types of dental plans - PPO dental plans and DHMO/prepaid dental plans.

  • PPO stands for Preferred Provider Organization. A PPO is a network of participating dentists who agree to provide services at a negotiated discount. With a PPO plan, you can see any dentist you choose, but you will receive a discount when you see a dentist within the PPO network.
  • DHMO stands for Dental Health Maintenance Organization. A DHMO or prepaid plan has a network of participating dentists who agree to accept a copayment for services covered by the plan. With a DHMO/prepaid dental plan, you know exactly what you are going to pay out of pocket when you go to the dentist, but you are required to select and be assigned to a dentist within the network. A DHMO/prepaid plan is not the same thing as a discount plan.

How does it work?

When choosing a dental plan, it’s important to understand how it works. Here are some things to know about using each of the two plans we have available.

PPO plans offer:

DHMO/prepaid plans offer:

  • Deductibles, benefit maximums and possibly waiting periods
  • No deductibles, maximums or waiting periods
  • Freedom to choose dentists both in and out of the network
  • You must select a dentist who is in the network
  • Coinsurance for covered services—this means you pay a percentage of the provider’s fee
  • Copayment schedule for covered services—this means you know costs up-front and pay at time of service
  • Some exclusions for pre-existing conditions
  • Benefits are payable for pre-existing dental conditions within the copayment schedule

What’s covered?

Depending on your dental plan, it 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.

What should you consider?

When considering one of our dental plans, consider the following:

  • A dental plan encourages routine cleanings and checkups at the dentist so you can protect your teeth for a lifetime. A healthy smile helps everyone feel more confident.
  • Just annual preventive care alone can help prevent other health issues such as heart disease and diabetes. Periodontal disease can lead to receding gums, bone damage, loss of teeth, and can increase the risk of other health problems such as heart disease and diabetes.1

1. American Academy of Periodontology http://www.perio.org/consumer/love_the_gums_you%27re_with. (accessed on 02/28/20)

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. Product offerings may not be available in all states and may vary depending on state laws and regulations.