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Prepaid/DHMO dental insurance

Our Dental Prepaid/DHMO plans focus on maintaining oral health, prevention and controlling costs. Your employees may see a primary care dentist as often as necessary. In addition, there are no yearly maximums, no deductibles to meet and no waiting periods.

Copayments for listed procedures apply only at a participating general dentist. If a primary care dentist (PCD) decides that the employee needs to see a contracted dental specialist, no referral is necessary if that specialist is in-network.

Should an employee need to see a specialist, (i.e., endodontist, oral surgeon, periodontist, pediatric dentist), they may be referred by a participating general dentist, or they can self-refer to any participating specialist—in which case, a copayment amount will apply.

Key features

  • Fixed copays with a primary care dentist
  • Additional discounts may be available from in-network dentists
  • Employee access to MyDentalIQ.com, where they can create a customized, ongoing oral health plan with their dentist

Additional features

  • Doesn't cover services from out-of-network dentists, except for emergency care
  • No deductible or copays for many preventive dental services, such as oral examinations, X-rays, cleanings, topical fluoride treatment (up to age 16, one per calendar year), and sealants (up to age 16)
  • Set copays for other covered services, including the ones listed below
  • Office visit copayments vary by plan

This plan may include optional benefits such as:

  • Coverage for in-network specialists in addition to general dentists (“HS” plans).
  • Choice of orthodontia coverage
  • Implants

Covered services

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