High Deductible Plan

Simple. Straightforward. Affordable.

Have your clients been asking for simple benefits that don’t cost them a fortune? Well, you just found the solution. Dental Select’s High Deductible Plan1 offers low premium and transparency with our easiest plan design yet. Simple, straightforward and affordable.

 

The way dental should be.

Here’s How it Works:

  • After members satisfy an annual deductible, all covered services for Preventive, Basic & Major will be paid at 80%.2Pretty simple, right?
  • The deductible applies to Preventive, Basic, and Major services.
  • No waiting periods apply to Preventive or Basic services. A 12-month waiting period applies to Major services, and orthodontia if elected.
  • Save an average of 17% on monthly premiums when compared to our standard co-insurance plan.3
  • Includes our new Unlimited Maximum4

Download a Brochure

Getting a Quote is Easy

Simply send the required information to one of our underwriting specialists at quotes@dentalselect.com. 

Plan Features:

Simplified Plan Design

After members satisfy an annual deductible, all covered services for Preventive, Basic, & Major will be paid at 80%2. Pretty simple, right?

Unlimited Maximum Included

An unlimited maximum that applies to Preventive, Basic, and Major services on a per member, per calendar year basis.

Higher Deductible, Lower Premium

Save an average of 17% on monthly premiums when choosing the high deductible plan.3

No Waiting Periods for Preventive & Basic Services

That’s right, no waiting periods on the services you’ll use most.

Plan Summary details:

  Contracted Dentist Non-Contracted Dentist
Preventive & Basic
After Deductible – Includes routine exams, cleanings (2 per year), topical fluoride, x-rays, sealants & space maintainers, composite fillings, extractions, and oral surgery.

 

80%* 80%
of R&C
Major
After Deductible – Includes crowns, bridges, dentures, endodontics, periodontics, and implants (alternate benefit applies).
12 Month Waiting Period

 

80%* 80%
of R&C
Deductible
Per member/family, per calendar year.
Applies to Preventive, Basic, & Major services.

 

$200/$600*

 

Maximum Benefit
Per member, per calendar year.
Applies to Preventive, Basic, & Major services.

 

UNLIMITED*
Orthodontics (Optional)*
12-month waiting periods.
Can now be quoted with 2+ enrolled. Adult + Child Ortho plans available.

 

50%

Children 18 and Under
$1,000 Lifetime Maximum

*Plan features marked with an asterisk can be customized upon request.

Plans are not available in all states.

Participation Requirements

 

Contributory

  • Minimum of 2 enrolled and 75% of eligible employees.

 

Voluntary

  • Groups of 2-20: Minimum of 2 enrolled and 25% of all eligible employees.
  • Groups of 21+: Minimum of 5 enrolled.
  • Voluntary groups which have not previously offered a dental program within the last 12 months will include waiting periods unless otherwise requested and approved.

FAQs:

How do out-of-network benefits pay?

The plan pays based on percent of R&C.

Are there waiting periods?

No waiting periods apply to Preventive or Basic services. A 12-month waiting period applies to Major services, and orthodontia if elected. Voluntary groups which have not previously offered a dental program within the last 12 months will include waiting periods unless otherwise requested and approved.

Are implants available?

Yes, an implant benefit option is available.

What networks are you contracted with?

National leased networks include: PPO USA, Careington, Dentemax, and Maximumcare PPO. Dental Select also owns networks with availability in Texas and Utah.

  1. Dental Select’s High Deductible Plan is not a High Deductible Plan (HDHP) for purposes of establishing a health Savings account (HAS) or eligibility for and HAS.
  2. In-network plan payment based on fee schedule, out-of-network plan payment based on R&C. Waiting periods may apply. Orthodontia services are covered at 50%, if orthodontia is elected. See plan summary for details.
  3. The monthly premium for Dental Select’s High Deductible dental plan is 17% less, on average, across all tiers, than a standard $50/$150 deductible Dental Select dental plan with comparable benefits at 100/80/50 coinsurance levels.
  4. Unlimited Maximum benefits are not available for orthodontia services, which have a $1,000 Lifetime Maximum.
This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance benefits are underwritten by ACE American Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based operating division of the Chubb group of Companies headed by Chubb Ltd. (NYSE: CB) Insurance products and services are provided by Chubb Insurance underwriting companies and not by the parent company itself.
Review additional plan details, limitations, and exclusions here