Adult Dental Plans for Small Business

Family Dental plan

• $150 Deductible
• Diagnostic/preventive covered in full
• For basic services you pay 100% until deductible is met, then 20% of the cost (coinsurance)
• For major services that include crowns: you pay 100% until deductible is met, then 50% of the cost (coinsurance)

Includes adult dental benefits that can be combined with the required pediatric dental benefits under the medical plan.

Dental Optima plans

• $50 Deductible
• Diagnostic/preventive covered in full
• For basic services you pay 100% until deductible is met, then 20% of the cost (coinsurance)
• For major services: you pay 100% until deductible is met, then 50% of the cost (coinsurance)

Dental Optima Voluntary plan

• $50 Deductible for individuals/ $150 Deductible for a family
• Diagnostic/preventive covered in full
• For basic services you pay 100% until deductible is met, then 30% of the cost (coinsurance)
• For major services: you pay 100% until deductible is met, then 50% of the cost (coinsurance)

The Adult Dental Optima Voluntary plan, specifically for employers with 5 employees or more, provides dental coverage at little or no cost.