Which Coverage Level Is Best?
You get to choose how much coverage you need and how you want to pay for it. When you choose your coverage level, you get to pick the one with the features you want.
Your coverage level determines how much you pay out of your paycheck (premiums). It also determines how much you pay out of your pocket when you receive care (deductibles, coinsurance, copays). Make sure to take your total costs into consideration when choosing a coverage level.
Don’t let the names of the coverage levels fool you. One option isn’t better than another. The coverage levels are designed to give you choices. It’s up to you to find the one that makes sense for your situation.
Dental Coverage Level Options
Bronze | Silver | Gold |
---|
Annual deductible (individual / family) |
$100 / $300 |
$100 / $300 |
$50 / $150 |
Annual maximum (excludes orthodontia) |
$1,000 per person |
$1,500 per person |
$2,500 per person |
Orthodontia lifetime maximum1 |
Not covered |
$1,500 per child |
$2,000 per person |
Preventive care |
100% covered, no deductible |
100% covered, no deductible |
100% covered, no deductible |
Minor restorative care (e.g., root canal treatment, gum disease treatment, and oral surgery) |
You pay 20% after deductible |
You pay 20% after deductible |
You pay 20% after deductible |
Major restorative care (e.g., crowns, implants, dentures) |
Not covered |
You pay 40% after deductible |
You pay 20% after deductible |
Orthodontia |
Not covered |
You pay 50%, no deductible; children up to age 19 only |
You pay 50%, no deductible; for children and adults |
Considering Delta Dental? With most carriers, knowing that your dentist is in the network is a simple way to get the best deal when you need care. If you're considering Delta Dental, you need to take it one step further.
There are actually two Delta Dental networks—PPO and Premier. Although the benefits are the same for both, you may have to pay more if your dentist is only a part of the Premier network. You can save more by seeing a Delta Dental dentist who participates in both the PPO and Premier networks, or by using any in-network dentist if you choose another insurance carrier on the exchange.
You can check if your provider is part of either network on digital.alight.com/trc or through Your Carrier Connection.