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Group
Coverages Dental Insurance
Group
Dental Insurance provides eligible employees with coverage towards
all or a portion of their dental care. Generally, eligible employees
are those employees working at least thirty hours per week.
Group
Dental Insurance is provided on either a contributory or non-contributory
basis. A contributory plan is one that is paid partially or in full
(AKA voluntary plan) by the employee. A non-contributory plan is
paid in full by the employer. The cost for non-contributory plans
is less than contributory plans because there is usually 100% participation
when the employer is paying the premium and carriers favor that.
Participation
Requirements
Insurance
carriers usually require 100% participation in a non-contributory
plan and 75%
participation in a contributory plan.
Waiting
Periods and Coverage Levels
Dental
Benefits are divided into four sections of coverage, usually designated
as Coverage A, B, C & D or Type 1, 2, 3 & 4.
The
waiting period that needs to be satisfied before employees can receive
coverage for services varies with each type of service required
but, generally, the more expensive the procedure, the longer the
waiting period. The following is a brief description of each different
coverage type.
Coverage
A (Type 1) usually
pertains to Diagnostic and Preventative type services including
examinations, x-rays, cleanings, fluoride treatments, space maintainers
and sealants.
Coverage
B (Type 2) usually
pertains to fillings, oral surgery, endodontics, periodintics, denture
repair, emergency treatment, and similar procedures.
Coverage
C (Type 3) usually
pertains to prosthodontia type services, including bridges, partial
and complete dentures, rebase and reline, crowns, and onlays.
Coverage
D (Type 4) usually
pertains to orthodontia. Generally, this benefit is available for
children up to age 19 but adult orthodontia can usually be purchased
for an additional fee.
If
you would like to request a Group Coverage Dental Insurance quote,
please click here.
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