Dental plans usually provide coverage at differing levels, based on the services provided: Tier 1 – routine preventive and diagnostic – at 100%; Tier 2 – “simple” restorations (e.g., fillings) at 80%; Tier 3 – “major” restorations (e.g., crowns) at 50%.
Most plans will have a small deductible and limit benefits to $1,000 – $1,500 per year. Some provide orthodontic coverage at 50% up to a separate defined limit.
Cost for this kind of plan? We just sold a voluntary plan (no ortho) with these monthly premiums:
- Single $30.66
- Limited Family; i.e., employee + spouse or, child (ren) $61.32
- Family $92.83.
The premiums for an employer paid plan would be a little lower. Rates are also impacted (pun intended) by the size of the network; maybe by as much as 25%!
Remember, this is a 30 Second Tip. I’ve only scratched the surface of what needs to be considered when buying a dental plan.
I’d need at least a minute!