Dental Plan
The Assurant Dental Plan is designed to encourage you and your covered dependents to maintain a regular program of dental care.
The Plan offers benefits through a dental PPO, Dental Health Alliance. You can choose to stay within the network or go outside the network each time you seek dental care. Visit Online Advantage at assurantemployeebenefits.com to find a dentist, view claims, download an ID card, and access tools and resources. The Dental Cost Estimator helps you anticipate the cost of care. The Ask a Dentist Service gives you access to a professional dentist who can answer any questions you have regarding upcoming dental treatment, as well as provide you with a list of covered preventive, diagnostic, basic, major and orthodontic services.
The following chart shows how the Plan shares costs with you for certain types of services and procedures. Expenses eligible for out-of-network dental care are subject to reasonable and customary limits.
|
In-Network |
Out-of-Network |
|
What the Plan pays |
|
| Coverage | ||
| Preventive and diagnostic services1 | 100% | 100% |
| Basic services | 80% | 70% |
| Major services | 50% | 40% |
| Orthodontic services1 | 50% | 50% |
|
What you pay |
|
Annual Deductible (individual/family)2 |
$50/$100 |
$75/$150 |
| Coinsurance | ||
| Preventive and diagnostic services | 0% | 0% |
| Basic services | 20% | 30% |
| Major services | 50% | 60% |
| Orthodontic services1 | 50% | 50% |
| Dental Plan Maximums (combined in- and out-of-network) | ||
| Preventive, diagnostic, basic and major services | $1,500/person per year |
|
| Orthodontic services | $1,000/person lifetime maximum | |
Temporomandibular joint disease |
$1,000/person lifetime maximum |
|
- The deductible does not apply to preventive and diagnostic care or to orthodontic services. Coverage for orthodontic services applies to both adults and children.
- If you elected coverage for any person who does not meet the Internal Revenue Code definition of a spouse or dependent, such as a domestic partner, the Company's contribution toward the cost of benefit coverage for that person will be included in your taxable income. Your employee contribution for that person must be made on an after-tax basis.
- "Family" includes Employee & Spouse/Domestic Partner, Employee & Child(ren), and Employee & Family.
Dental Plan
The Assurant Dental Plan is designed to encourage you and your covered dependents to maintain a regular program of dental care.
The Plan offers benefits through a dental PPO, Dental Health Alliance. You can choose to stay within the network or go outside the network each time you seek dental care. Visit Online Advantage at assurantemployeebenefits.com to find a dentist, view claims, download an ID card, and access tools and resources. The Dental Cost Estimator helps you anticipate the cost of care. The Ask a Dentist Service gives you access to a professional dentist who can answer any questions you have regarding upcoming dental treatment, as well as provide you with a list of covered preventive, diagnostic, basic, major and orthodontic services.
The following chart shows how the Plan shares costs with you for certain types of services and procedures. Expenses eligible for out-of-network dental care are subject to reasonable and customary limits.
|
In-Network |
Out-of-Network |
|
What the Plan pays |
|
| Coverage | ||
| Preventive and diagnostic services1 | 100% | 100% |
| Basic services | 80% | 70% |
| Major services | 50% | 40% |
| Orthodontic services1 | 50% | 50% |
|
What you pay |
|
Annual Deductible (individual/family)2 |
$50/$100 |
$75/$150 |
| Coinsurance | ||
| Preventive and diagnostic services | 0% | 0% |
| Basic services | 20% | 30% |
| Major services | 50% | 60% |
| Orthodontic services1 | 50% | 50% |
| Dental Plan Maximums (combined in- and out-of-network) | ||
| Preventive, diagnostic, basic and major services | $1,500/person per year |
|
| Orthodontic services | $1,000/person lifetime maximum | |
Temporomandibular joint disease |
$1,000/person lifetime maximum |
|
- The deductible does not apply to preventive and diagnostic care or to orthodontic services. Coverage for orthodontic services applies to both adults and children.
- "Family" includes Employee & Spouse/Domestic Partner, Employee & Child(ren), and Employee & Family.