Over 65 Benefits
$100 Annual Deductible
$25 Copay
$1000 Annual Maximum Benefit
- Oral Exams (100%)
- Cleanings (100%)
Preventive & Diagnostic Services
- X-Rays (80%)
- Fillings (80%)
- Simple Extractions (80%)
Basic Services
- Endodontics (50%)
- Periodontics (50%)
- Oral Surgery (50%)
- Dentures (50%)
- Crowns (50%)
- Bridges (50%)
Major Services
- 0 months on preventive services
- 6 months on basic services
- 18 months on major services
Waiting Periods
A Dental Indemnity plan is commonly known as a fee-for-service or traditional plan. If you select an Indemnity plan you’ll likely have the freedom to visit any dentist you wish. You typically will not be required to obtain referrals; however, some plans may require you to obtain preauthorization for certain procedures. Most Dental Indemnity plans require you to pay a deductible. After you have paid your deductible, Indemnity policies typically pay a percentage of "usual, customary and reasonable (UCR) rates" for covered services. For instance, the insurance company may pay 80% and you may be required to cover the remaining 20% of the UCR.