Stand Alone Dental Insurance Plans

 

The BEST Stand Alone Dental Plans, Prime, Select and Standard are indemnity plans which means you always have freedom to choose your own dentist. Just select a licensed dentist and go. Optional vision coverage is available. This plan is for groups of 3-200 employees and fully insured by BEST LIFE and Health Insurance Company.

The plan is available in these states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, No. Dakota, Ohio, Oklahoma, Oregon, So. Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wyoming.

 

Partial List of Covered
Dental Services
PRIME Dental
SELECT Plan
STANDARD Plan
Maximum Coverage
$1,500 calendar year maximum while insured
$1,200 calendar year maximum while insured
$1,000 calendar year maximum while insured
Class I – Preventive Services

  • Dental Exams
  • Cleanings
  • Fluoride treatments for children
  • X-rays
No deductible
No waiting periods
100% coverage of eligible expenses
$25 One Timedeductible per person while covered under the plan
No waiting periods
100% coverage of eligible expenses
No deductible
No waiting periods
100% coverage of eligible expenses
Choice of any dentist
Class II – Basic Services

  • Emergency palliative treatment
  • Fillings-amalgam, porcelain, plastic
  • Extractions/Anesthesia
  • Space maintainers
  • Pathology
$50 Calendar year deductible
3 per family maximum
80% coverage of eligible expenses
No waiting periods
Special Feature on PRIME plan only: Root canals & pulp capping covered at 80% NOT 50%
$50 Calendar year deductible
3 per family maximum
80% coverage of eligible expenses
No waiting periods
$50 Calendar year deductible
3 per family maximum
80% coverage of eligible expenses
No waiting periods
Class III – Major Services Restorative

  • Prosthetics
  • Crowns & gold fillings, inlays, onlyas, pontics and other eligible services
Basic deductible applies to major services
Pays 50% of eligible expenses
12-month initial waiting period applies1
Basic deductible applies to major services
Pays 50% of eligible expenses limited to a maximum benefit of $600 per calendar year
12-month initial waiting period applies1
Basic deductible applies to major services
Pays 50% of eligible expenses
12-month initial waiting period applies
Class IV – Orthodontics

  • Orthodontics
  • For dependent children through age 20 only
Pays 50% of eligible expenses
$500 calendar year maximum child
$1,500 maximum per child while covered under the plan
No annual deductible applies
12-month waiting period applies1
Orthondontic Benefits are not available
Pays 50% of eligible expenses
$500 calendar year maximum child
$1,500 maximum per child while covered under the plan
No annual deductible applies
12-month waiting period applies1
“Children’s Good Vision”

  • Special “Children’s Good Vision” Benefit Included
Included
Not Available
Included
Special Supplemental Dental Accident Benefit
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

1 For groups of 5 or more enrolled employees with comparable prior dental coverage, the waiting period for major service may be waived. Please refer to page 5 of this brochure for details.2 Children’s Good Vision Benefit – To encourage family participation under the Stand Alone Dental Plan, the company will pay for a vision exam once every 12 months for dependent children through age 20. (PRIME and STANDARD Plans only.)

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