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Dental
 
 

 

LifeMap Dental Plans motivate you and your family to get regular check-ups & cleanings.  Both the Incentive 10 Dental Plan and the Dollar-Based Dental Plan reward you for making those proactive trips to the dentist.

Incentive 10 Dental Plan

Incentive 10 Dental rewards you for receiving routine preventive care.  Each year you see the dentist for an annual exam and cleaning means greater benefits and fewer out-of-pocket expenses the next year. There is no deductible for exams & cleanings ($50 deductible for other covered services).   You can use this plan with any dentist, but save money by using a dentist in the LifeMap Network

The plan starts out with a $750 annual maximum and 80/60/30 Coinsurance (percentages the plan pays for Preventive/Restorative/Major).  After your annual exam and cleaning, the second year annual maximum increases to $1,000 and the coinsurance increases to 90/70/40.  The third year annual maximum increases to $1,250 with 100/80/50 Coinsurance, and the annual maximum reaches it's highest level at $1,500 in year four.  There's a 6-month waiting period for restorative services and a 12-month waiting period for major services.

Dollar-Based Dental Plan

 This plan is similar to the Incentive 10 Dental Plan in that it rewards you for seeing a dentist every year for an exam and cleaning but is different in that it covers almost everything and puts you in charge of your dental dollars.  You can use this plan with any dentist, but save money by using a dentist in the LifeMap Network

After an initial 6-month waiting period, the plan pays 100% of the first $150 of care (there is no deductible to meet for any service).  It then pays 80% of the next $500 of care and then 50% of remaining care until you've reached your Annual Benefit Maximum.  Like the Incentive 10 Dental plan, the annual maximum starts out at $750 and then increases each year until the fourth year where it reaches the highest annual maximum of $1,500.  The annual maximum only increases each year after your annual exam and cleaning. 

 

 

 

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