Dental Insurance
Dental Insurance is designed to offer coverage for common dental care and to help protect your budget from some of the high costs of dental services.
Taking care of your teeth is an important part of your overall health. Choosing the right dental plan can cover and reduce the out of pocket expense for dental care.
This includes preventative, basic, and major dental services coverage.
- Preventive care:
- Routine cleanings
- Fluoride treatments
- Basic services:
- Fillings
- Emergency treatment for dental pain
- Extractions (Limited Coverage Available)
- Major services:
- Retainers
- Root canals
Access to an extensive dental network of more than 122,000 dentists
| Provider Plan | Delta Dental Individual Premium | Delta Dental Individual Enhanced | Mutual Dental Preferred | Mutual Dental Protection |
| Coverage | Diagnostic/Preventative: 100% Basic Services: 80% Major Services: 50% | Diagnostic/Preventative: 100% Basic Services: 50% Major Services: 50% | Diagnostic/Preventative: 100% Basic Services: 80% Major Services: 50% | Diagnostic/Preventative: 100% Basic Services: 50% Major Services: 50% |
| Deductible | $100 | $50 | $50 | $100 |
| Annual Maximum Benefit | $2000 | $1000 | $1500 | $1000 |
| Out of Network Benefits | Partial coverage for most services. | Partial coverage for most services. | Charges are paid at the 80th percentile of the average cost of service in your area. You are responsible for paying any difference to the dental provider. | The amount the plan pays is limited to the in-network discounted fee schedule. A dentist can balance-bill you for any difference. |
| Outline of Coverage | DDCT-00940 | DDCT-00902 | DNT2 (CT) | DNT5 (CT) |
These plans will cover some major services at 50% up to the annual benefit limit after the 12 month waiting period.
Examples include Crowns, Dentures, Bridges, Root Canals, Oral Surgery, and Periodontics.