Smart Choice Dental Plans | Employee Health Benefits

Smart Choice Dental Plans- 5 to 300 Dental Indemnity Plans

Smart Choice Dental plans are fully insured by BEST LIFE and Health Insurance Company and are available for groups of 5 to 300 employees. There are four plans available: Plan A, Plan B, Plan C and Plan D. Listed below you will find four unique dental indemnity plans. A brief description of each plan is listed.You and your employees may choose any licensed dentist.

Smart Choice	Plan A	Plan B	Plan C	Plan D
Class I – Preventive Services -Dental Exams -Cleanings -Fluoride Treatments -X-rays	No deductible, no waiting periods, 100% coverage for eligible expenses	No deductible, no waiting periods, 100% coverage for eligible expenses	$25 one-time co-pay, no waiting periods, 80% coverage for eligible expenses	$25 one-time co-pay, no waiting periods, 80% coverage for eligible expenses
Class II – Basic Services -Emergency palliative treatment -Fillings-amalgam, porcelain, plastic -Extractions, anesthesia -Space maintainers -Pathology	$50 calendar year deductible 80% No waiting periods. Special feature: root canals & pulp capping covered at 80% NOT 50%	$75 calendar year deductible 80% No waiting periods	$50 calendar year deductible 80% No waiting periods. Special feature: root canals & pulp capping covered at 80% NOT 50%	$75 calendar year deductible 60% No waiting periods
Class III – Major Srevices Restorative -Prosthetics -Crowns & gold fillings, inlays, onlays, pontics and other eligible services -Periodontics	Basic deductible applies to major services, 12-month initial waiting period(1), pays 50% of eligible expenses	Basic deductible applies to major services, 12-month initial waiting period(1), pays 50% of eligible expenses	Basic deductible applies to major services, 12-month initial waiting period(1), pays 50% of eligible expenses	Basic deductible applies to major services, 12-month initial waiting period(1), pays 50% of eligible expenses
Class IV – Orthodontia -Orthodontics -For dependent children throught age 19 only	Pays up to 50% of eligible expenses, $300 per calendar year maximum per child, $1,500 maximum orthodontic benefit per child while covered under this plan, no annual deductible, 12-month waiting period applies(1)	No orthodontic coverage available	Pays up to 50% of eligible expenses, $300 per calendar year maximum per child, $1,500 maximum orthodontic benefit per child while covered under this plan, no annual deductible, 12-month waiting period applies(1)	No orthodontic coverage available
Plan Calendar Maximum Benefit	$1,500	$1,000	$2,000	$1,200
Special Supplemental Dental Accident Benefit – Covers accidental injury to sound, natural teeth	Special first dollar benefit up to $1,000	Special first dollar benefit up to $1,000	Special first dollar benefit up to $1,000	Special first dollar benefit up to $1,000
All Plans Feature	12 month initial rate guarantee No waiting periods for preventive, diagnostic and basic services.

(1) For groups with comparable dental coverage, the waiting period for major services may be waived.

All plans feature: 12 month initial rate guarantee -choice of any licensed Dentist. No waiting periods for preventative diagnostic and basic services -dental products not available in all states.