What is the Premier PPO Dental Insurance Low Plan?
The Companion EMI Health Premier PPO Dental Insurance Low Plan is a coinsurance plan, which means we share your costs for covered dental services and procedures. Once you've met your deductible, we'll pay a percentage of your bill.
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Plan Summary | Premier Network | Out-of-Network |
Services | ||
Preventive
Oral Exams, Cleanings, Sealants, X-rays, Fluoride
|
100% | 80% up to MAC* |
Basic
Fillings, Space Maintainers, Oral Surgery
|
60% | 50% up to MAC* |
Major
Crowns, Bridges, Prosthodontics, Endodontics, Periodontics
|
40% | 30% up to MAC* |
Orthodontics (Up to age 19*)
(Medically Necessary / Non-Medically Necessary)
|
50% / Discount Only | 50% / Not Covered |
Waiting Periods | ||
Preventive | None | |
Basic (age 19 and older) | 6 Month Waiting Period | |
Major (age 19 and older) | 18 Month Waiting Period | |
Orthodontics
(Medically Necessary / Non-Medically Necessary)
|
None / Not Applicable | |
Deductible (applies to Preventive, Basic and Major) | ||
Individual | $100 | |
Family Max | $300 | |
Maximums | ||
Major Annual Max (age 19 and older) | $500 | |
Annual Max per Person (age 19 and older) | $1,000 | |
Orthodontic Lifetime Max
(Medically Necessary / Non-Medically Necessary)
|
No Maximum / Not Applicable | |
Pediatric EHB Annual Max | No Maximum | |
Pediatric Individual EHB Out-of-Pocket Max | $375 | |
Pediatric Family EHB Out-of-Pocket Max | $750 |
Benefits illustrated are in summary only. Refer to your Dental Insurance Policy for a complete description of benefits, limitations and exclusions.
*All Services are subject to Maximum Allowable Charge (MAC). When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge (MAC). Underwritten by Companion Life Insurance Company.
**Through the last day of the month in which the Insured turns 19 years of age