Dental Insurance for a Healthy Mouth

We have two great plan options available to you, both plans are identical with one very important variation- the network. The High Plan provides full access to any provider you choose and will provide full benefits provided your dentist charges within what 90% of dentists in your area charge (90% UCR), while the Low plan is best if you can use a network provider. Search our network.



GROUP DENTAL INSURANCE

Employees choose
one plan option 		Option 1: HIGH PPO
Monthly Premiums		 Option 2: LOW MAC
Monthly Premiums
Employee $53.57 $36.99
Employee & 1 Dependent $89.18 $61.64
Employee & 2+ Dependents $143.98 $102.30

PLAN SERVICES

In-Network Out-of-Network
Deductible $50
Period Calendar Year
Family Limit 3 per family
Waived For Preventive Preventive
Annual Maximum $5,000 Maximum for In-Network and Out-of-Network are inclusive
Claim Payment Basis Negotiated Fee Schedule Negotiated Fee Schedule (low), 90% UCR (high)
Network Dental Guard Preferred
Coinsurance - Preventive 100% 100%
  • Cleanings (once/6 mos.)
  • Fluoride Treatment (to age 19, once/6 mos.)
  • X-Rays (Bitewings only
  • Sealants (to age 16, once/36 mos.)
  • Space Maintainers/Harmful Habit Appliances
  • Oral Cancer Screenings (age 40 or older, once/24 mos.)
  • Oral Exams (once/6 mos.)
  • Oral Exams (once/6 mos.)
Coinsurance - Basic 80% 80%
  • X-Rays (Other than Bitewings) (Full-mouth series once/36 mos.)
  • Fillings
  • Simple Extractions
  • Space Maintainers/Harmful Habit Appliances
Coinsurance - Major 50% 50%
  • Bridges & Dentures
  • Endodontic Services (eg. Root Canal)
  • Implants
  • Single Crowns
  • Complex
  • Extractions
  • Repair & Maintenance of Crowns, Bridges & Dentures
  • General Anesthesia
  • Perio Maintenance Procedure (once/6 mos.)
  • Combined Cleanings/Perio Maintenance Limit (2 in a 12 consecurive months period)
  • Periodontal Services (eg Scaling and Root Planing)
  • Periodontal Surgery
  • Inlays, Onlays & Veneers
Coinsurance - Orthodontia 50% for children (Orthodontia in Progress - covered) 50% for children (Orthodontia in Progress - covered)
Orthodontia Lifetime Maximum $1,000 $1,000
Dependent Age Limits To Age 26
Waiting Periods None

View the Links Below To Learn More About Our Dental Plans

Click here to enroll in our dental plan.

Click here to fill out our group application for CCA Global Partners Dental & Vision Plans.

Guardian Dental Plan Benefit Summary





Click Here Search for a Provider

Use: PPO: DentalGuard Preferred Network

CCA Benefits by
Optima Benefits & Payroll

Mailing Address:
P.O. Box 10818
Rochester, NY 14610

Email Us:

info@optimabenefitsgroup.com

Office Hours - EST

Monday: 9:00 am - 5:00 pm
Tuesday: 9:00 am - 5:00 pm
Wednesday: 9:00 am - 5:00 pm
Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 5:00 pm
Saturday: Closed
Sunday: Closed

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PHONE: 866-839-0511

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