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Dental

Dental care is an important part of an overall preventive care strategy beyond just oral health. In fact, lack of good dental hygiene has been linked to heart attack and stroke.

We understand that everyone has different healthcare needs and budgets. So, you’ll find a similar spectrum of coverage options through Asurion Benefits Central for dental care as we offer for medical and vision coverage.

Your dental coverage options

 

BRONZE PLUS

SILVER

GOLD

PLATINUM1

Note:

  • In-network costs listed
  • Rates are lowest with in-network providers
  • In- and out-of-network deductibles and out-of-pocket maximum amounts accrue separately
  • A basic PPO (preferred provider organization)
  • Covers in- and out-of-network care
  • Does not cover major services or orthodontic care
  • A buy-up to the basic PPO
  • Covers in- and out-of-network care
  • Covers major services
  • Covers orthodontia for children up to age 19
  • An enhanced PPO
  • Covers in- and out-of-network care
  • Covers major services and orthodontia
  • A DHMO (dental health maintenance organization)
  • Covers in-network care only
  • Covers major services and orthodontia
  • Not available in certain areas

PREVENTIVE CARE

100% covered
No deductible

100% covered
No deductible

100% covered
No deductible

Varies by insurance carrier;
generally 100% covered

MINOR RESTORATIVE CARE
Includes but is not limited to:

  • Root canal
  • Gum disease
  • Oral surgery

You pay 20% (coinsurance) after deductible

You pay 20% (coinsurance) after deductible

You pay 20% (coinsurance) after deductible

Varies by insurance carrier

MAJOR RESTORATIVE CARE
Includes but is not limited to:

  • Implants
  • Dentures

Not covered

You pay 40% (coinsurance) after deductible

You pay 20% (coinsurance) after deductible

Varies by insurance carrier

ORTHODONTIC CARE2

Not covered
  • You pay 50% (coinsurance)
  • No deductible
  • Children up to age 19 only
  • You pay 50% (coinsurance)
  • No deductible

Varies by insurance carrier

YOU PAY

ANNUAL DEDUCTIBLE
(Employee only/Family)

$100 / $300

$100 / $300

$50 / $150

None

ANNUAL maximum coverage
Per person

$1,000

$1,500

$2,500

None

ORTHODONTIA LIFETIME LIMIT
Excluded from annual out-of-pocket maximum

Not covered

$1,500 per child

$2,000 per person

Varies by insurance carrier
  1. Not available in certain areas.
  2. If you switch insurance carriers, any orthodontic expenses you’ve already incurred under your current carrier will count toward your new carrier’s orthodontia lifetime maximum.

Paying for dental coverage

Your cost of coverage (“premiums”) are deducted from your paycheck before taxes are added. You can pay your deductible and coinsurance by:

  • Healthcare flexible spending account
  • Health Savings Account—only available with Silver medical option
  • Dental and vision flexible spending account—only available with Silver medical option
  • Personal debit or credit card

How to choose

What you’ll pay for coverage is just one consideration. Another important factor is whether you have kids, because kids often need braces and/or may have activity-related accidents that could require dental intervention. You also should think about genetics­—in other words, if your parent or sibling has needed dental services, there’s a good chance you also may.